Based in Los Angeles, Ritika has lived her entire life in some of the most expensive areas of the United States. Instead of giving in to high costs of living, she has developed effective budgeting strategies to help her get the most out of her money, whether she's shopping for basic necessities or giving in to her ultimate guilty pleasure - shopping for clothes.

Ritika believes that effective money management involves patience, impulse-resistance, educated decision-making and open dialogue with retailers.

Even though she has spent most of her life on a student budget, she manages to save for retirement, travel all over the world, avoid debt and (literally) shop until she drops.

Ritika works for Coupon Mountain's content and social media department and enjoys sharing her shopping and savings strategies with her readers. She holds a Bachelor of Arts degree from Claremont McKenna College and is pursuing her master's degree in demographic and social analysis at the University of California at Irvine.

Her professional experiences have been featured in The Wall Street Journal, a business communications textbook and several published research reports.