2015 Oscar-esque Affordable Dresses

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We really loved the dresses we saw on the red carpet last night from the Oscars. More often than not, we tune into the Oscars just to see who is dressed to impress! It is so awesome to see the beautiful looks, but let's face it, not all of us can afford these super expensive looks. We rounded up our favorite looks from last night and have found dresses that are similar in style but at an affordable price. Shop the looks above, below!

1) Jamie Chung in Yanina Couture.

• Affordable Designer Look-Alike-Dress: Sherri Hill Cap Sleeve Lace & Chiffon Gown

2) Margot Robbie in Saint Laurent.

• Affordable Designer Look-Alike-Dress: Faith_Custom_Made

3) Zendaya in Vivienne Westwood

• Affordable Designer Look-Alike-Dress: Briday Dress

4) Dakota Johnson in Saint Laurent.

• Affordable Designer Look-Alike-Dress: Macy's

5) Rosamund Pike in Givenchy

• Affordable Designer Look-Alike-Dress: Sherri Hill: Style 11170

6) Chrissy Teigen in Zuhair Murad

• Affordable Designer Look-Alike-Dress: Ali Express

What were your favorite dress looks from the Oscars? Share with us below!

Spring Cleaning Tips

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We cannot believe how quickly Spring is approaching which means one thing: SPRING CLEANING! Spring cleaning is the perfect time to almost start over. Whether mentally or physically, Spring cleaning will get you into a renewed, fresh mindset. For us, our biggest task is cleaning out our closets. Getting rid of clothes is not easy so we have some tips to help you let go.

1. Ask yourself: Will I wear this in the next six months? If the answer is "No!" then LET IT GO!
2. If you absolutely can't let your items go, do an experiment to see if you really make use out of every item. Simply buy tags, date them, and tie them to your clothes. Every time you wear an item, update the date. By the end of the year, if your clothes are still tagged with the beginning date, then it's time to give those clothes away.
3. Have a clothing swap party! Gather your friends and pull out your clothes that you are iffy about keeping. Buy some food and drinks and make a party out of your friend's shopping your closet.
4. To make more room in your closet, separate your clothes by seasons. Store clothes from the season you're not currently in underneath your bed (Target has some great storage bins!). Out of sight, out of mind, out of the way!
5. Sell your clothes! If you issue is how much money you've invested in your clothes, then put them up for sale. Consignment shops like Buffalo Exchange will be your best bet. Either that, or take advantage of the app, Offer Up! where you can put your clothes on sale and people can negotiate the price with you.  

Good luck and happy spring cleaning!

Secret Beauty Products For Your Face

As we get older, it's becoming more and more important to us to keep our faces looking clean and rejuvenated. While makeup is a great way to mask fine lines and blemishes, the better way to make your skin look flawless is to invest in your SKIN. Skincare is something we have been exploring a lot and Co Founder Sakura has taken a huge liking to the skin care product called Nerium. Nerium has just about everything from a day time moisturizer to a night time moisturizer to even a stretch mark cream. Sakura loves how Nerium reduces the look of her pores and freshens up her face. Karen is loving Celtrixa to treat stretch marks. After just a few months, she can visibly see a reduction in the look of her stretch marks which has been great for her as she prepares for bathing suit season which is around the corner! Karen doesn't recommend buying Celtrixa via their subscription, but rather, just buying it via Amazon.com. We have recently been introduced to some other new products from TSS Reader, Stephanie. Stephanie shared her love for Lush products and considers her skin to be a combo of oily and dry. Her go-to Lush products include: Lush Dark Angels Cleanser,  Lush Imperialis Moisturizer, and Lush Full of Grace Serum. Outside of these products, Stephanie recommends Raw African Black Soap sold by Plant Guru on Amazon (ABS is how it's often abbreviated). Raw African Black Soap is imported from Ghana and is great to use on your face at night as part of your nightly face regimen. Stephanie has seen a tremendous improvement in her skin since using the above products.

The Secret Foods To Help Your Hair Grow Faster

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1. Sweet potatoes  2. Yellow Bell Peppers  3. Salmon  4. Avocados

Stock up those foods in your refrigerator and watch your hair grow! One of our favorite Instagram accounts, @Shredz, enlightened us on these important foods to help your hair grow that we just had to share. Shredz puts it all into perspective:

Eat Salmon twice a week. The Vitamin D, protein, and omega-3 fatty acids will contribute to long healthy locks and a hydrated, nourished scalp.

Yellow bell peppers contain 5.5 times more Vitamin C than oranges which is great news for your hair because the antioxidant properties of Vitamin C strengthen hair follicles and prevent hair damage and breakage.

Sweet potatoes are packed with beta carotene, which is a precursor to Vitamin A, a nutrient known to promote hair growth and a healthy scalp.

Avocados can be eaten to gain the benefits of its healthy fats, but it can also be applied to your hair and scalp to stimulate collagen and elastic production. Apply to skin and hair for about ten minutes before thoroughly rinsing.

The Simplest Way For Whiter Teeth

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Do you want pearly whites but can't afford to professionally get your teeth whitened? Well, look no further than your closest grocery store. When you get there, pick up some baking soda! Baking soda is an age-old teeth whitening remedy that is under-utilized since white strips and teeth whitening kits have stolen the show. But, don't sleep on the baking soda method. Simply dip your toothbrush in baking soda then scrub away on your teeth. Stay committed and watch a significant improvement in the color of your teeth. Extra tip: The more saliva you accumulate the better off your teeth will be. According to WebMD, saliva neutralizes the acid that causes tooth decay. If you're going to be at the grocery store picking up baking soda, you might as well also pick up some celery, apples, pears, and carrots as they trigger saliva which helps to wash away food debris on your teeth.

Good luck!

6 Modern Myths About Love {United Healthcare}

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We always love reading up on important health tips from our favorite healthcare providers, that we were glad to have stumbled across this article that United Healthcare wrote regarding modern myths about love. Love is special, but often times we fall victim to false love. Read United Healthcare's perspective on modern myths about love and leave a comment below with your thoughts!

6 Modern Myths About Love
How much do you know about matters of the heart?
Zing! With a well-aimed arrow, Cupid can fill your heart with passion. That's how the ancient myth goes.

We may not believe that. But plenty of modern myths about love miss the mark too. Here are six you've probably heard.

Myth No. 1: I have to be in a romantic relationship to be happy.

The real deal: Just one can be fun! Single people can and do live full, happy lives. Their secret? They fill their hearts with what brings them joy and satisfaction — family, friends, meaningful work, hobbies, fitness, etc.

Myth No. 2: All you need is love.

The real deal: Love alone can't conquer all. In relationships that last, loving couples know it's also important to:
Respect one another
Communicate well, positively and honestly
Resolve conflicts in a healthy way
Offer support, comfort and praise
Laugh and be playful together

Myth No. 3: I can change things I don't like about someone.

The real deal: The only person you can change is you! Try to appreciate someone for who he or she is — not your vision of perfection. That doesn't mean you can't share concerns or wishes. But do so as positively as possible — and realize that accepting your sweetheart's quirks and habits is a powerful way to show your love.

Myth No. 4: Possessiveness is a sign of passionate love.

The real deal: It's actually a red flag. If one partner is controlling or jealous — for example, doesn't want the other to spend time with friends or family — it's not a healthy situation.

Myth No. 5: If it's right, it will be love at first sight.

The real deal: You might be attracted to a person instantly. But lasting love is based on knowing someone on a deeper level. And that takes time. You need to share many different experiences — from romantic candlelit dinners to frustrating flat tires — to know if a relationship can go the distance.

Myth No. 6: Romance can't last.

The real deal: Even when life is busy — with kids, work, chores and bills — love can thrive. Sweet gestures, hugs, hand-holding, stolen moments and regular date nights can all help keep your bond satisfying and special.

Gifts For Your Pet

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When we heard via the National Retail Federation that over $815 million dollars are spent on Valentine's Day gifts for pets we could kind of believe it because well, who doesn't like to spoil their pet(s)?! Pets are so easy to please that the possibilities are endless when it comes to the perfect Valentine's Day gift for them. They say the best way to a man's heart is through their stomach; the same applies to animals! Greenies is a nice treat for your dog, shaped like a toothbrush it fights tartar while being a tasty treat. Other great gifts include:

-A bed
-Booties for dogs, claw protectors for cats
-Kong (for dogs)
-Hanging mouse for cats
-A cozy blanket

What will you be buying your pet for Valentine's Day? We want to hear more suggestions so share with us below!

Lips

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With it being the month of love it's only fitting that we have an obsession with lips, right? This month is the perfect time to pucker up, we mean STOCK UP on all things lips. Alice + Olivia have the trendiest lip-tastic sweater out called the Smiley Stace intarsia cotton-blend sweater.  Pair it with black jeans, oversized black sunglasses and cute ballet slippers and you will have the cutest ensemble as you go about your fabulous day. Don't let just your lips do all the talking! Grab the cutest lip-shaped phone case from Stella McCartney at Nordies (Nordstrom) to dress up your iPhone 5. Keep your accessories looking feminine and cute with fun lip-shaped charm keychains like the one from our all time favorite designer, Diane Von Furstenberg. 

Lips are bold and make a statement so don't be afraid to show them off in all ways possible!

Rediscover Your Love Language

Have you heard of the 5 Love Languages? A couple of years ago we came across the '5 Love Languages' and it really helped us evaluate the way we were communicating in our relationships. The 5 Love Languages helped our significant others understand us while at the same time we understood their "love language". So, you might be thinking, what is a "love language"? The 5 Love Languages profile gives you a thorough analysis of your emotional communication preference. It will single out your primary love language, what it means, and how you can use it to connect and deepen your relationships with others. You can take it whether you're single or in a relationship. Love languages include: Words of Affirmation, Quality Time, Acts of Service, Physical Touch, and Receiving Gifts. Peep a quick snapshot of Co Founder, Karen's Love Language Profile:   

12	Words of Affirmation
7	Quality Time
6	Acts of Service
3	Physical Touch
2	Receiving Gifts

When you take the analysis, you will see 30 paired statements. From there, you will select the statement that best defines what is most meaningful to you in your relationships with others. Both statements may or may not sound like they fit your situation, but they just ask that you choose the statement that captures the essence of what is most meaningful to you, the majority of the time. Allow 10 to 15 minutes to complete the profile. Take it when you are relaxed, and try not to rush through it. 

Rediscover your love language in time for Valentine’s Day!

Gifts For Him

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Yesterday, we shared a 'Gifts For Her' guide for all of our fellas, so today we are sharing a Valentine's Day 'Gifts For Him' guide for all you ladies (and gents) looking for a gift for your significant other. It's the little things that count with men we have found. Letting a guy know how proud you are to have someone like them in your life is a wonderful exchange of love. But, if you want to treat your man to a gift to show your love then shop our gift guide for him above! With men, it's all about simplicity and practicality. A trendy and sleek sunglasses or watch is never a bad thing as they can never have too many of those. Personalization is always a nice way to show a little extra care and creativity in a gift, which is why we absolutely loved the personalized Moscow Mule Mug from Nordies (Nordstrom)! See something missing from our list? Send us a comment below with your favorites.

Happy shopping for him!

Gifts For Her

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We love the month of love! Such a special time to let the ones you love know how much they mean to you. Whether it's a beautiful heartfelt card, a box of chocolates, a bouquet of flowers, or a special gift from the heart, there are endless ways to show your Valentine how much they mean to you. Today's post is for the fellas looking for some guidance on special things they can gift to their mother or significant other. Shop our suggestions and let us know what we should add to our list by leaving us a comment below!

Rent the Runway: Valentine's Day Edition

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Get a head start on some fabulous dress options to wear for Valentine's Day! Whether you're having a Galentine's Day or celebrating with your significant other, you MUST dress for the occasion. Dressing for the occasion means a glam outfit to make everyone turns head! Rent the Runway is so great at offering "turn head" outfits, especially dresses, that we pulled some of our favorite looks from their site just for you. Check them out and let us know if we are missing some great dresses. Be sure to rent two options so you don't freak out if your first choice doesn't work out.

We want to see your Rent the Runway looks on Valentine's Day so be sure to hashtag #RTRxoTSS

Best Mascara On a Budget

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There is nothing more convenient than buying something cheap yet the quality isn't! For us women, makeup costs can add up in a blink of an eye. Most of the time when you want the best type of makeup, it's typically sold at a pretty high price. Well, if there is one piece of makeup that can brighten up your face, it's mascara so we compiled a list of some awesome mascara that you can snag on a budget. Click the links above to see some of our favorites!

Do you have the secret to the cheapest, best mascara out there? Then, leave a comment or email us at secret@thesororitysecrets.com!

Easy Super Bowl Recipe

Co Founder, Karen, is a Seahawks' fan so of course she cannot wait for the Super Bowl! Like her and probably many other fans, she will be hosting a Super Bowl party. No Super Bowl party is complete with out food, drinks, friends, and football. But, the most important would be the food! Whether you decide to order pizza, KFC, or grill some hotdogs and hamburgers, it is always good to have variety. One of our favorite items to make the most amazing dishes is a crock pot. Slow cookers can make the most amazing dishes from meatballs, to tasty dips, to rice and beans and much more. Target is one of the best places to get a variety of crock pots. To help you with a Super Bowl crock pot recipe, Boulder Organic, has shared with us a special recipe they've suggested that is the perfect dish. Check out all the details below and get excited for Sunday's Football Showdown!

Boulder Organic's Souper Easy Super Bowl Pulled Pork 

Ingredients

• About 2 lbs of pork shoulder
• 1 tub of Boulder! Organic Green Chile Corn Chowder
• 1/2 teaspoon salt (if desired)

Cooking Instructions

• Place the pork shoulder, 1 tub of Boulder! Organic Green Chile Chowder, and 1/2 teaspoon of salt (optional) into your crockpot. Leave in the crock pot for 6-8 hours.
• After 6-8 hours, pull the pork apart with a fork and eat as desired!

Suggestions on how to eat the pulled pork:

• Place on a bun and eat as a sandwich
• Use as a side with mashed potatoes and beans

You won't be disappointed with the tasty results!

5 Staple Pieces Every Girl Should Own

dress | necklace | jeans | tee | booties

There is nothing more comforting than gravitating toward that staple piece in your closet. You know, that one go-to item that you know will totally wrap your whole outfit together because it just has that affect. Staple pieces are a breath of fresh air in a wardrobe malfunction or crisis. We have really been loving finding ways to integrate our favorite staple pieces with other pieces in our closets to form multiple different looks.

Our first staple piece are booties! Wow, talk about a pair of shoes that can be worn for just about any occasion. Dress them up with black tights and a cute skirt or dress them down with jeans and a fresh top. Speaking of jeans, basic boyfriend jeans are our second staple piece. Denim of any kind is such an easy starting point for just about any outfit look you're trying to pull off. Boyfriend jeans are comfortable and we usually go through many outfits with them throughout a given week. Every girl needs a little black dress hanging in her closet for those random nights out in the town, making it our third staple piece. A black dress is safe but still flirty and dressy depending on the type of jewelry you rock with it. When it comes to jewelry, a dainty necklace is the perfect touch to just about any outfit which is why it's our fourth staple piece. Katie Dean Jewelry is still our number one favorite shop for all things dainty like this super cute wishbone necklace or this leaf necklace. If there's one thing that goes with everything, it has to be a basic v-neck tee!  You can dress it up or down however you want and it's also the comfiest thing ever!

What are your staple pieces in your wardrobe? Share with us below in the comments!

A Girl's Guide To Living With a Guy

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At some point in your life or relationship you might find yourself living with a guy. It's definitely a big adjustment since living on your own means you've taken advantage of all of your living space for all of your stuff. Living with another person, male or not, means making some sacrifices. We decided to come up with a list of things you can do to make living with a guy a little bit easier.

1. Clean out your closet. It's time to donate half of your wardrobe, girlfriend! We know, we know, having the same shirt in 10 different colors is so necessary, but not if it means that it will take up more space in the closet that you'll be sharing with the boy moving in. Consider this an act of charity as you can send your clothes in as a donation and attempt to write it off in your taxes. Guys need closet space too.
2. Put things in storage. If you have storage or can afford to pay for storage monthly, free up space by putting your big items that you don't need immediate access to into a storage unit. This will make parting with your things easier because instead of throwing the items away or donating them, you're putting them into a different space. This portable closet is also great for you to have in your storage for clothes and shoes that you don't need access to for a third or half of the year!
3. Buy shelving at Target or IKEA. Target and IKEA have great accessories to help you keep your things organized separately. Consider shelving, shoe racks, and drawers that can allow for great separation of each person's items. One shelf can be your stuff, the other his. Here is a link to one of our favorite bathroom shelves from Target: Home Bathroom Space Saver. Here is another link to great fabric storage cubes you can use for separating your stuff on shelves: Fabric Cubes. 
4. Consider neutral color shades. We don't know many men willing to live in a pink themed bathroom or with a pink and leopard living room theme (haha) so consider neutral shades in those common areas. Again, Target is the best place to find some earthy and neutral tones for just about any home accessory. 
5. Practice patience. When he leaves the toilet seat cover up--be patient. If you find pee on the toilet seat--be patient. If he squeezes toothpaste from the middle of the toothpaste bottle (don't you hate when people do that?!)--be patient. Bottom line is, change and adapting to people's preferences takes time. Just consider that you have spent x amount of years evolving into who you are and they have spent x amount of time evolving into who they are. When you both come together, there are going to be many things you'll have to compromise to make living together effective.

Good luck!!

Sisters Succeeding: Cami Fannin

We love hearing about sorority girls succeeding and hearing about the wonderful things Cami Fannin from TCU is doing is no different. Cami Fannin is an Alpha Delta Pi at TCU and this past summer she decided to create her own service project, "Just Makes Cents". Check out the Facebook page here: https://www.facebook.com/JustMakesCentsservice

Cami's service project came to life on January 7th, 2015 and she has been fundraising to raise money through coins to donate to an underprivileged community of girls. There they will learn to count, save and spend their money wisely. This is an education service project focused on combating poverty and encouraging girl power and independence.

Cami feels that her efforts through the "Just Makes Cents" mission is a great way to encourage other Greek women to follow their dreams and help others at the same time. We couldn't agree more!

Are you or a sorority sister you know succeeding? Submit their story and high resolution pictures to secret@thesororitysecrets.com for a possible feature.

3 Ways To Let a Guy Know You're Interested

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While we are incredibly old-fashioned when it comes to dating, we acknowledge our part as women when it comes to letting a guy know you're interested. We believe that you should let a guy lead, but in order for a guy to make any moves you've got to first make it clear that you are available. Below are three ways to let a guy know you're interested:

1. Make Eye Contact. Picture yourself in a crowded bar, club, or social scene and you spot a guy you're crushing on. He locks eyes with you but you quickly turn your head or looking away. That is the universal sign for NOT INTERESTED. Don't make that mistake if you're interested, rather, make eye contact for longer than 3 seconds. More likely than that, he will come over.
2. If He Doesn't Ask For Your Number, Offer Your Number. If you end the night or day clearly liking each other and having things in common, then what's the harm in giving up the digits? Sometimes a guy can be shy about asking for your number in an effort not to be too forward. If that ever happens, show him that you're interested by casually offering to exchange numbers to talk some more. Let your ego go!
3. If He Calls Or Texts You, Answer The First Time. Playing hard to get when you really like someone is pretty childish. Don't waste time playing games. We all know you're super giddy and excited when you get that first call or text from your crush. Don't be slow to answer. It just slows down the great opportunity of possibly getting to know someone really great for you.

What are some tips you have for letting a guy know you're interested? Share with us in the comments below!

How to Preserve Your Smartphone's Battery

Oh the dreaded red zone warning. Meaning, your lifeline, your support system, your connection to the world aka Facebook, Twitter, Instagram, and Pinterest, are about to get cut off unless you recharge your battery! Every phone whether it's an iOS or Android has its issues with battery life, but there are ways to preserve and stretch your battery. Here are some ways we have learned to keep our batteries green for a little longer:

1. Invest in a Mophie . Having a Mophie has been life changing for Karen since she is constantly on her phone. Karen got her hands on the Mophie and it keeps her phone charging way past when her actual iPhone dies. The Mophie is a battery pack that you slide onto your phone and it charges your phone from its own charge. Seriously UH-MAZING!
2. Put Your Phone On Airplane Mode. 
3. Lower the Brightness Of Your Screen. Your phone uses a lot of battery life keeping the screen bright, therefore, lowering the brightness will preserve the battery life more.
4. Use Wifi. It uses less power than a cellular connection
5. Close Inactive Apps. If you're not using an app but have it open, it is running your battery. Make a conscious effort to close out of apps after you're done using it.
6. Update Your Phone. Whenever there are new updates for your phone, pay attention to whether or not it will help with battery life. When it comes to the iPhone, according to the Apple site iOS 8 is designed to be the most battery-efficient iOS ever. It gives you more precise ways to manage your device’s battery life because you can see the proportion of your battery used by each app (unless the device is charging). To view your usage, go to Settings > General > Usage > Battery Usage.

What tips & tricks do you have for saving your smartphone's battery life? Share with us in the comments below!

How To Get Your Finances In Check

There is nothing worse than all of sudden feeling like you have no idea where your money has gone. We have definitely had moments of being irresponsible with our money, but there is really no excuse when there are great ways to keep your finances in check. Northwestern Mutual has provided us with solid financial tips that we wanted to share their recent guide on sticking true to your New Year's Financial goals. Check it out below!

6 TIPS FOR MAKING FINANCIAL RESOLUTIONS THAT LAST

For many, the New Year signifies a fresh start, a time to think about personal and financial goals and the “new” commitments you plan to make. Yet, for all the initial enthusiasm, keeping yourself motivated, committed and moving toward the accomplishment of those goals is often tough.

If you’re tired of setting goals and making resolutions that quickly fade, consider these tips to help you stay focused on the future:

1. Learn from the past. Think about the goals you set in the past. Before you put these “to bed,” reflect on what worked and what didn’t—and why.
2. Set clear goals. Most people tend to set financial goals that are more about money than about things that motivate them emotionally. Yet goals that are tied to what you truly value are often easier to achieve than goals that are simply tied to money. For example, setting aside 10 percent of your monthly pay isn’t nearly as powerful a motivator as setting a goal to save $10,000 so that you can take your family on a vacation next December. Part of what gives this goal its power is that it’s SMART—in other words, it is Specific, Measurable, Attainable, Relevant and has a Timeline.
   As you define your goals for 2015, prioritize what is important and what you can realistically achieve. Be sure to set a time frame for reaching your goals, and figure out whom you might need to help you get there. Then review your goals periodically to make sure you stay on track.
3. Create a financial to-do list. The New Year may be an ideal time for recommitting yourself to getting financially fit. A financial to-do list can provide important action steps that can help you get your finances in order and keep them that way. Some of these include:

• Giving your portfolio a regular check up to make sure your mix of investments accurately reflects your goals, time frame and risk tolerance. 
• Taking full advantage of your employer’s retirement plan (if you’re not doing this already). 
• Tracking your spending to see where your money is going. 
• Calculating your net worth so that you understand where you stand financially. 
• Checking your credit profile to ensure it accurately represents your creditworthiness and to protect yourself from identity theft. 
• Creating a legacy for future generations and/or charitable organizations that reflect your values.

4. Create a financial not-to-do list. As crucial as a financial to-do list is to your long-term financial security, creating a not-to-do list is equally important. That’s because a not-to-do list can help you avoid some of the mistakes that may be keeping you from making the most of your money. For example, do not:

• Try to time the market. No one knows for certain which way the market will head next. Instead, be strategic and thoughtful about your investment decisions. 
• Make investing decisions in isolation. Rather, consider how each may impact your overall financial goals. 
• Delay saving for retirement. The sooner you get started, the greater the impact time and compounding may have on your ability to build financial security for the future. 
• Tap your retirement savings unless in an emergency. Taking money from your account is like borrowing from your future to pay for your present needs. 
• Ignore the important role risk plays in your portfolio’s ability to grow over time. 
• Minimize the impact of inflation on your money’s future buying power. 
• Set it and forget it. Review your investments periodically to make sure they’re performing as expected. If they’re not, be ready to make changes as needed.

5. Assess your current situation. Over time, your personal and financial situation is likely to change. Consider how this may impact your goals, risk tolerance and time frame, as well as your investment and insurance planning.
6. Update your estate planning documents. Make sure you have a properly drafted and signed advance health care directive and durable financial and health care power of attorney so that someone you trust can make health and/or financial decisions in the event you become incapacitated. Check to see that your will (and any trust) accurately reflect your wishes and that the beneficiaries on your retirement accounts and life insurance policies are up to date. Consider working with an estate attorney to review and update any documents necessary to ensure your goals are met with minimal delay and expense.

Don’t feel pressured to make resolutions because you feel you should. Instead, open yourself to the possibility that setting concrete financial goals can be the start of some truly positive changes in your life. For help, contact your financial representative.

Remember, the clearer your goals are, the more confident and motivated you’ll be to take the right financial steps in 2015 and beyond. Best to you in the New Year, and happy goal setting!