At this point many of us have been wearing the same rotation of clothes for 8 weeks.

With summer coming up, most of us would be heading out to our neighborhood thrift shops to stock up on new gear for the warmer months. But with the economy at a stand still, chances are vintage thrift stores are going to be some of the last places to open up shop. Luckily, there remain hundreds of online thrift stores that can scratch this itch. Sure, shipping may be slightly delayed, and there is nothing like the instant satisfaction of buying new digs in house, but beggars can't be choosers right now. Here are some of the best online thrift stores.

Depop

Depop

PIG magazine creator Simon Beckerman bred this buying and selling app for Gen Z-ers to help them discover unique clothes. The homepage is easy to navigate, and it's super easy to meet sellers or become a seller yourself. With a highly detailed search system, Depop offers a slew of new and used clothing and a variety of affordable prices. Not to mention, every purchase is covered with buyers insurance.

Treasures of NYC

Treasures of NYC

This NYC-based retailer is for those with a distinctive vintage flair. Specializing in curated luxury vintage, Treasures of NYC is made for the obscenely fashionable. With a heavy focus on high-end accessories, like sunglasses, jewelry and vintage caps, the app is constantly updated with new incoming pieces. Follow their Instagram page to help keep up on Treasure's abundance, because it can get a bit overwhelming.

ThredUp

ThredUp

Curated mostly for girls, ThredUp is a little more for sellers then buyers, but in turn can still be insanely rewarding. The website lists specific items it's looking for, and users send in items that match ThredUp's description. If the qualifications are met, the items are accepted for re-sale and ThredUp pays the sender in cash or store credit. The store credit is really excellent at offering great discounts of ThredUp's stuff. Also, to promote sustainable shopping, ThredUp launched ReMade to help incentivize shoppers to resell. If you purchase an item, and choose to resell your item, then you're guaranteed 40 percent of what you paid for it.

ASOS Marketplace

ASOS Marketplace

ASOS is already a highly-esteemed brand. Known for its great prices and fast shipping, the brand has actually also had a steady selection second-hand clothes. ASOS has a hand-picked team of fashion pros that recommend season trends for vintage connoisseurs, with all brand names at affordable prices.

Etsy

Etsy

Etsy has been and remains one of the best sites out there for vintage shopping. The Cali-based site offers a wide range of eclectic goods that include statement handbags, earrings and plenty of clothing. Etsy products sell out fast though, so be sure to grab something when you see it!

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What do you do when financial hardship hits and you can't make your monthly mortgage payments? This is a question on many homeowner's minds as nearly 17.8 million Americans are reportedly unemployed during the coronavirus pandemic.

When homeowners face financial hardship, such as the loss of a job, they often look to obtain a forbearance agreement from their lender. A forbearance happens when your lender grants you a temporary pause or reduction in monthly payments on your mortgage. Forbearance is not the same as payment forgiveness, in that you still have to pay the entire amount back by an agreed-upon time.

Mortgage lending institutions differ on their mortgage relief policies and qualifications; however, the Coronavirus Aid, Relief, and Economic Security (CARES) Act were signed into law in late March of this year to protect government-backed mortgages.

Federally backed mortgages include:

  • Fannie Mae
  • Freddie Mac
  • The Federal Housing Administration (FHA)
  • The US Department of Veteran Affairs (VA)
  • The US Department of Agriculture (USDA)

Under the CARES Act, homeowners with a federally backed loan who either directly or indirectly suffer financial hardship due to coronavirus automatically qualify for mortgage forbearance.

Even if your mortgage is not secured by one of these agencies, you still can call and see if you qualify, as many lenders will still offer the option in order to avoid foreclosures.

Under the CARES act, homeowners can claim mortgage forbearance due to financial hardship from COVID-19 for up to 12 months without requiring any documentation or verification. During the forbearance period, mortgage lenders cannot charge late fees or penalties.

Additionally, as long as your mortgage is current at the time you claim forbearance, the lender is required to keep reporting your mortgage as paid current throughout the entire period.

At the end of the forbearance, the CARES act protects consumers from having to make a lump sum payment. Instead, you will be given a repayment plan from your provider. Since repayment options vary, it's important you ask your provider about all of your repayment options.

Possible Repayment Options:

You may be eligible for a loan modification at the end of your forbearance. With modification, the mortgage terms are changed in order to add payments that were missed during the forbearance onto the end of the loan, extending the term.

Another option that may work for some is a reduced payment option. This allows you to keep paying monthly payments at a reduced amount. The amount missed is usually added back into the monthly payments at the end of the forbearance.

For example:

Regular payment: $1000 per month

Reduced payment: $500 per month

Payment after forbearance period: $1500 (until caught up)

Balloon payments, or lump sum payments at the end of the forbearance, are prohibited under the CARES Act. However, mortgage lenders may require homeowners who are not protected under the CARES Act to make a balloon payment at the end, so again it is best to check first with your provider.

Mortgage forbearance should only be considered in true financial hardship. In other words, just because of the pandemic, you should not take a forbearance on your mortgage if you can still afford your payments. Likewise, if you are able to start making payments before the forbearance period is up, it's best to do so as soon as possible.

The Next Steps:

Before you get in touch with your mortgage servicer, save time by gathering as much documentation about the mortgage as you can. Also, be ready to list your income and monthly expenses. Due to an influx in calls, financial institutions are experiencing extremely long wait times right now, and having your information at the ready will help.

Have questions ready to ask. Here are some questions you should be asking:

  • What fees are associated with the forbearance?
  • What are all the repayment options available to you at the end of the forbearance?
  • Will you be charged interest during the forbearance period?

If your forbearance is approved, make sure to keep all documentation pertaining to it. Make sure to cancel any automatic payments to the mortgage during the forbearance period, and keep tabs on your credit report to make sure your lender doesn't report the loan as unpaid.


For more information on forbearance, contact your lender and discuss your options. If you need more assistance with understanding your options, you can contact a local agent for the housing counseling agency, or call their hotline at 1-800-569-4287.