Best of Frank: The Tragedy of Impulse Saving

[I'm off this week, enjoying the waning days of summer and catching up on a few things I promised to finish before September. In the meantime, please enjoy this example of that great American summer tradition, reruns. This post originally ran March 25, 2009.]


As any reader of this blog knows, I enjoy nothing more than tweaking the nose of personal finance conventional wisdom. Well, joy of joys, yesterday’s New York Times had an article, in the science section no less, that spits in Reading_glasses Cropconventional wisdom’s face, knees it in the groin and then kicks it as it rolls on the ground.

The piece discussed the work of Ran Kivetz and Anat Keinan, two professors of marketing from Columbia and Harvard Business Schools respectively. (Marketing professor is, incidentally, the same line of work as the authors of The Millionaire Next Door.)  They have discovered a new malady to avoid: saver’s remorse.  It’s just what it sounds like: that sad feeling you get with money in your pocket that you could have spent in some enjoyable way but, in a moment of weakness, chose to save.

This is just so awesome.

The sober professors don’t call it saver’s remorse.  I think John Tierney, The Times’ science guy, came up with that.  They use the term hyperopia, literally excessive farsightedness.  Sufferers of hyperopia “deprive themselves of indulgence and instead overly focus on acquiring and consuming utilitarian necessities, acting responsibly, and doing ‘the right thing.’” (K&K 2006 p.274)

Saver’s remorse (hyperopia) is the logical counterpart to buyer’s remorse (myopia).  Just as you might grow to regret that impulse purchase over time, the research shows that a person can grow to regret not grabbing immediate gratification.  Kivetz and Keinan asked college students right after winter vacation if they wished that they had spent more time studying or partying over the break.  Studying won.  Then they asked them the same question about the break the year before, and regrets about not studying more and not partying more were tied.  And when the researchers asked a group of alums back on campus for their 40th reunion, regrets about not partying enough won in a landslide.

Like most good social science research, once you read this it suddenly seems awfully obvious.  I’m only about halfway to my 40th, but in hindsight I really wish I had adjusted the beer/grades ratio in college more in favor of beer.  And there’s the old adage, with some truth to it, that nobody on their deathbed ever wished they had spent more time at the office.

It turns out that at some level we know we can be irrational in a hyperopia way and so sometimes act irrationally to counteract it.  In a paper that Kivetz wrote with Itamar Simonson of Stanford, test subjects were asked to choose between two possible raffle prizes, for example $100 cash or a romantic dinner for two costing $90.  Even though a winner of the money could just buy the dinner and pocket $10, many (about 24%) chose the dinner option anyway.  Why?  Because they knew that if they got the money they would just save it and then regret not going to the restaurant later on.

This research makes me grin from ear to ear. (Seriously, I think I may have pulled a muscle.  I guess I should have warmed up first.  I’m a little out of practice.)  Just about all personal finance advice, from Suze Orman and Dave Ramsey down to the most obscure frugality blog, takes as a given that spending myopia, the tendency to buy too much stuff for immediate enjoyment rather than save, is inherent to the human condition.  Not so.

Don’t get me wrong, I’m not saying that myopia isn’t common, or even that it isn’t more common than hyperopia.  I bet somewhere there is a study where way more than 24% of people chose, for example, a savings bond worth $90 over $100 in cash as a possible raffle prize. David Bach has sold millions of books that basically explain how to make exactly that sort of irrational choice, so there must be a lot of myopics out there.

But they are not everybody, and possibly not even the majority.  (There must exist a third group, the 20/20s, who don’t systematically regret either spending or saving later on.)  Myopics are much higher profile than hyperopics, and are much more likely to seek help, because spending myopia has the obvious result of financial distress.  Spending hyperopia, on the other hand, results only in wistful old people.


  • By Rob Bennett, August 28, 2009 @ 9:40 am

    This post is right on, in my view.

    There is nothing inherently good about saving anymore than there is anything inherently good about spending. The goal should be to spend when spending offers the superior value proposition and to save when saving offers the superior value proposition.

    Most people today spend too much. That’s because of the influence of marketing campaigns. But those who are involved in the frugality movement often save too much. They are being influenced by a different sort of marketing, an anti-spending marketing.


  • By Neil, August 28, 2009 @ 3:13 pm

    Hmmm…it’s not that I disagree that sometimes spending offers better value than saving, but the analogy between spending money and spending less time studying in university…seems iffy. The great thing about saving is that if you regret saving the money, you can still go out and spend it. It’s not a missed opportunity, just delayed.

  • By Mr. Not the Jet Set, August 29, 2009 @ 12:12 am

    Saver’s remorse? This is ridiculous. Neil is right – if you somehow saved more than you should have, it is very rare that the opportunity to spend it is gone.

    I mean, it’s a nice theory and all, but I think you’re going to have a hard time backing it up with people actually regretting saving.

  • By kitty, August 30, 2009 @ 4:42 pm

    I am with Rob Bennett here. I’ve been in a situations in which I choose not to spend money – mostly on vacations – and then regretted it. Usually it happened in places where I don’t plan to go back to for a while e.g. on a trip to Spain several years ago or last year in Rome. I don’t spend money on something I like, then in another town I change my mind start looking for it and cannot find anything similar.

    Another time when one might regret not having spent money is when you get old or if you find out you are ill. So you no longer have energy to do some of the things you haven’t done in the past, but you do have all the money you saved. Except for you may be too weak to enjoy it or just don’t have much time left to live.

  • By Roger, August 30, 2009 @ 8:29 pm

    I can definitely see situations where spending too little money can lead to regrets, particularly when you’re young. There’s a difference between spending on material goods and spending on experiences. For the former, you’re likely to have little regrets; few people look back during retirement and lament that they didn’t buy a bigger television.

    However, if you’re missing out on good, interesting experiences in order to save money, you’re more likely to regret it later. Cutting back on your socializing to save money can leave you with regrets that it’s too late to fix.

    Take the socializing example that Frank cited; not partying during college could save you a great deal of money, but you wouldn’t have any stories out of the deal. Yes, you could spend the money you save later in life, but it’s not the same to go out partying when you reach forty. Sometimes, experiences you miss out on really are gone.

  • By reason first, August 31, 2009 @ 2:01 pm

    “…those who are involved in the frugality movement often save too much. They are being influenced by a different sort of marketing, an anti-spending marketing.”

    Support, please.

    I’ve noticed that your replies often say:

    “In a sense it’s true and in another it’s not…” and then go on for several paragraphs, without really making an effective argument for either proposition.

    While I laud evaluating all sides of an argument, there ought to at least *be* an argument, one based on substance, and not just an apparent unstoppable impulse to post on any and every subject, even when the responder really has nothing new to add to the dialog.

  • By Alexandra, August 31, 2009 @ 3:21 pm

    I had savers remorse last year. I saved a wack of cash to use when I was on maternity leave last year. By the end of my maternity leave, I had hardly used any of my savings up. I ended up going back to work wishing I had spent more time hiring babysitters and going out for dinner with my husband, rather than sitting at home with a crying baby!

  • By ElizabethG, August 31, 2009 @ 8:01 pm

    I had written about a similar topic, looking at whether the pressure coming from the frugal movement meant people were forgoing purchases and experiences that would have been genuinely helpful and enjoyable. In particular, what concerns me is the guilt factor that people have in spending if they can afford it:

    Has Frugal Advice Gone Too Far?

  • By Rob Bennett, September 1, 2009 @ 6:56 am

    While I laud evaluating all sides of an argument, there ought to at least *be* an argument….

    I am the person who discovered the errors in the studies that financial planners use to tell us how to structure our retirement plans. John Greaney is the author of one of the studies that is in error. He has organized a group of Goon posters who follow me around from blog to blog putting up posts of this sort. I oppose this harassment and have argued that blog owners should take action when obviously insincere individuals engage in this sort of behavior.

    For any who have doubts as to whether there really are humans who would engage in such low behavior, here is a link to the discussion board owned by Greaney that he uses to organize these attacks on the Personal Finance Blogophere:


  • By kgiFozzjaq, April 10, 2013 @ 12:17 am

    Wholesale Cheap 1:1 replica louis vuitton Handbags / Bags / Purses from china Online Outlet for Sale krfysx

    Wholesale Cheap 1:1 replica louis vuitton Handbags / Bags / Purses from china Online Outlet for Sale

  • By, November 3, 2020 @ 6:33 am
    I read this piece of writing fully concerning the comparison of most recent and previous
    technologies, it’s amazing article.

  • By, May 20, 2022 @ 8:10 pm

    National common 12 month savings by new clients surveyed
    who switched and saved with Progressive in between June 2020 and May 2021.

  • By, June 3, 2022 @ 11:04 pm

    The National Conference of Insurance Legislators additionally
    works to harmonize the different state laws.

  • By, June 12, 2022 @ 8:04 am

    When choosing a policy, you will need to perceive how insurance works.

  • By, July 8, 2022 @ 5:21 pm

    They can be insured with the third-party bike insurance plan as it’s a compulsory cowl.

  • By, July 16, 2022 @ 6:54 am

    For Life Insurance insurance policies, the free-look
    interval is of usually 15 days from the date of receiving coverage paperwork.

  • By, July 16, 2022 @ 11:18 pm

    The plan also provides a survival profit to the assured
    if he/she survives the policy time period.

  • By, July 20, 2022 @ 11:56 am

    Under Section 80C of the Income Tax Act, premiums paid towards a life insurance
    coverage qualify for a deduction up to Rs. 1.5 Lakh.

  • By, July 22, 2022 @ 1:03 pm

    Life insurance premiums are the periodical quantity that you pay for the life cowl
    provided beneath the life insurance policy.

  • By, August 2, 2022 @ 11:01 pm

    Certain insurance merchandise and practices have been described as rent-seeking by critics.

  • By, August 17, 2022 @ 11:20 pm

    These companies often have particular expertise that the insurance firms don’t

  • By, August 22, 2022 @ 10:42 am

    Yes, we’re an insurance firm, however discover out what makes us
    stand out.

  • By, August 29, 2022 @ 6:02 pm

    Life insurance is an insurance cowl which offers a sum assured
    to the household of the assured in the occasion of
    sudden dying.

  • By, August 30, 2022 @ 4:09 am

    A tied agent, working exclusively with one insurer, represents the insurance firm
    from whom the policyholder buys .

  • By, September 11, 2022 @ 8:25 am

    All-risk insurance is an insurance that covers
    a wide range of incidents and perils, besides these famous within the coverage.

  • By, September 13, 2022 @ 5:05 pm

    Rather than these entities independently self-insure and threat
    chapter from a big judgment or catastrophic loss, such governmental entities type a danger pool.

  • By, October 10, 2022 @ 6:06 am

    She is a graduate of Bryn Mawr College (A.B., history) and has an MFA in creative nonfiction from Bennington College.

  • By emergency dentist tuscaloosa, March 10, 2023 @ 8:39 am

    Nicely expressed really. !how to write good essays in college essay writer best cv writing services

  • By tuscaloosa emergency dentist, March 10, 2023 @ 11:23 am

    This is a great tip especially to those new to the blogosphere. Short but very accurate informationÖ Appreciate your sharing this one. A must read article!

  • By Lawn Mower Repair, March 10, 2023 @ 4:33 pm

    Hey, thanks for the post.Thanks Again. Want more.

  • By TedheemE, March 10, 2023 @ 5:09 pm

    paroxetine 200 mg

  • By DavidBax, March 10, 2023 @ 7:33 pm

    suhagra 50 online

  • By Small Engine Ignition System, March 10, 2023 @ 11:18 pm

    Very neat blog article.Really thank you! Really Cool.

  • By Samuelreuck, March 11, 2023 @ 6:14 am

    cozaar 20 mg

  • By you can try here, March 11, 2023 @ 10:46 am

    After checking out a number of the blog articles on your web page, I seriously like your way of blogging. I book-marked it to my bookmark website list and will be checking back in the near future. Please visit my website as well and tell me what you think.

  • By Andreasenk, March 11, 2023 @ 11:09 am

    Здравствуйте товарищи!
    Есть такой интересный сайт для заказа бурения скважин на воду. Бурение скважин в Минске – полный комплекс качественных и разумных по цене услуг. Мы бурим любые виды скважин.У нас доступная ценовая политика, рассрочка на услуги и оборудование.Заказывайте скважину для воды – получите доступ к экологически чистой природной воде по самым выгодным в Минске ценам! Итак, вам нужна собственная скважина и вы решаете самостоятельно обеспечивать себя чистой водой — на своем загородном участке или на промышленном объекте в Минской области. Поздравляем с первым шагом. Но до того как мы приступим к бурению вашей скважины, вам предстоит сделать еще один выбор — решить, какая скважина у вас будет. Выбрать предстоит из двух вариантов: шнековая (до 35-40м) или артезианская (от 40м). Артезианская скважина бурится роторным способом. Этот способ бурения дороже уже по той причине, что сама скважина глубже. Цены на прохождение одного погонного метра при бурении артезианской или фильтровой скважины существенно не отличаются, однако за счет глубины конечная цена на роторное бурение выше.

  • By Rodneybiz, March 11, 2023 @ 11:35 am

    cost of erythromycin

  • By hho carbon cleaner, March 11, 2023 @ 4:38 pm

    Hey, thanks for the post.

  • By Download Mp3 Libianca People, March 11, 2023 @ 7:44 pm

    Very nice article. I definitely appreciate this website. Stick with it!

  • By heating contractor Brookhaven PA, March 12, 2023 @ 9:07 am

    Thanks-a-mundo for the article post.Really looking forward to read more. Fantastic.

  • By solar power, March 12, 2023 @ 4:11 pm

    Im obliged for the article.Thanks Again. Cool.

  • By Davissment, March 12, 2023 @ 11:16 pm

    amitriptyline uk

  • By anthony natale Marlton New Jersey LinkedIn, March 13, 2023 @ 7:12 am

    Very good article post.Much thanks again. Fantastic.

  • By JaneheemE, March 13, 2023 @ 7:14 am

    metformin 600 mg

  • By AmyheemE, March 13, 2023 @ 7:41 am

    ampicillin 200 mg

  • By MarvinNub, March 13, 2023 @ 12:14 pm

    albendazole uk

  • By anthony natale toms river n.j., March 13, 2023 @ 12:42 pm

    Im obliged for the post.Much thanks again.

  • By BooheemE, March 13, 2023 @ 1:42 pm

    diclofenac gel usa

  • By New Jersey, March 13, 2023 @ 5:42 pm

    Enjoyed every bit of your blog. Great.

  • By bankers life and casualty michael mendes, March 13, 2023 @ 6:36 pm

    Thank you ever so for you blog article.Really looking forward to read more. Great.

  • By, March 13, 2023 @ 11:40 pm

    What’s Happening i’m new to this, I stumbled upon this I’ve discovered It positively useful and it has aided me out loads. I’m hoping to give a contribution & help other customers like its helped me. Good job.

  • By click here, March 14, 2023 @ 1:24 am

    wow, awesome blog.Much thanks again. Fantastic.

  • By muebles para tv modernos, March 14, 2023 @ 3:27 am

    Thanks on your marvelous posting! I truly enjoyed reading it, you are a great author. I will always bookmark your blog and will eventually come back later on. I want to encourage continue your great job, have a nice day!

  • By this website, March 14, 2023 @ 9:09 am

    You stated this to write the introduction of an essay essays writing service top 10 dissertation writing services

  • By corel magaletta, March 14, 2023 @ 9:31 am

    Wow, great article post.Really looking forward to read more. Really Cool.

  • By NickheemE, March 14, 2023 @ 1:30 pm

    atenolol 25mg pill

  • By Phan mem quan tri nhan su, March 14, 2023 @ 2:26 pm

    Excellent blog you have here.. It’s hard to find quality writing like yours nowadays. I seriously appreciate individuals like you! Take care!!

  • By auto connector, March 14, 2023 @ 3:28 pm

    I think this is a real great article post.Really thank you! Really Great.

  • By auto detailing grodzisk mazowiecki, March 14, 2023 @ 10:32 pm

    Very neat post. Fantastic.

  • By chelsea flower show tickets, March 15, 2023 @ 3:13 am

    Normally I don’t read article on blogs, however I wish to say that this write-up very compelled me to take a look at and do it! Your writing style has been surprised me. Thanks, very great article.

  • By important link, March 15, 2023 @ 3:58 am

    Way cool! Some extremely valid points! I appreciate you penning this article and the rest of the site is very good.

  • By slot gacor 899cash hari ini pragmatic play, March 15, 2023 @ 4:15 am

    I think this is a real great article. Much obliged.

  • By imtoken下载, March 15, 2023 @ 7:27 am

    Im obliged for the article.Really thank you! Want more.

  • By, March 15, 2023 @ 7:54 am

    Piece of writing writing is also a excitement,if you be familiar with afterward you can write otherwise it is difficultto write.

  • By, March 15, 2023 @ 10:36 am

    hi!,I love your writing very much! share we communicate more approximately your article on AOL? I need an expert in this house to resolve my problem. May be that is you! Taking a look ahead to see you.

  • By 먹튀커뮤니티, March 15, 2023 @ 1:37 pm

    Thanks a lot for the blog post.Really looking forward to read more.

  • By click here, March 15, 2023 @ 6:42 pm

    I will immediately snatch your rss as I can’t to find your e-mail subscription link ornewsletter service. Do you’ve any? Kindly let me understand in order that I may justsubscribe. Thanks.

  • By 먹튀커뮤니티, March 15, 2023 @ 8:35 pm

    Thanks again for the blog.Much thanks again. Really Cool.

  • By cua nhua composite, March 16, 2023 @ 1:39 am

    Well I really liked studying it. This post provided by you is very helpful for proper planning.

  • By french open tickets, March 16, 2023 @ 12:03 pm

    I savor, cause I discovered just what I used to behaving a look for. You’ve ended my four day lengthy hunt! God Bless you man. Have a great day.Bye

  • By AlanheemE, March 16, 2023 @ 1:58 pm

    advair 500 mcg

  • By chordtela komang, March 16, 2023 @ 6:02 pm

    Hi there! This blog post could not be written much better! Going through this post reminds me of my previous roommate! He continually kept preaching about this. I’ll forward this article to him. Pretty sure he will have a great read. Thanks for sharing!

  • By straatwerk klinkers, March 16, 2023 @ 8:53 pm

    Muchos Gracias for your blog article.Really thank you! Fantastic.

  • By Elliot Walton, March 16, 2023 @ 8:57 pm

    hydroxychloroquine and covid hydroxychloroquine for covid 19

  • By Experienced videographers and video makers in Malaysia for travelogue and video production, March 17, 2023 @ 3:50 am

    Hi there! I could have sworn I’ve been to this blog before but after checking through some of the post I realized it’s new to me. Anyways, I’m definitely happy I found it and I’ll be bookmarking and checking back frequently!

  • By CurtisQuosy, March 17, 2023 @ 4:34 am

    clonidine rosacea

  • By byadgi chilli powder, March 17, 2023 @ 6:33 am

    I really liked your post. Fantastic.

  • By free mp3 download, March 17, 2023 @ 7:54 am

    Hi, There’s no doubt that your web site may be having internet browser compatibility problems. When I look at your website in Safari, it looks fine but when opening in Internet Explorer, it’s got some overlapping issues. I merely wanted to give you a quick heads up! Other than that, fantastic blog!

  • By rajasthan family tour package, March 17, 2023 @ 10:14 am

    Major thanks for the blog.Really looking forward to read more. Keep writing.

  • By tents for disaster relief, March 17, 2023 @ 12:52 pm

    Really plenty of beneficial information!writing essays for college help dissertation write my paragraph for me

  • By vintage wedding car rental, March 17, 2023 @ 1:23 pm

    This is one awesome post.Thanks Again. Really Great.

  • By CurtisQuosy, March 17, 2023 @ 1:31 pm

    order vermox

  • By 2 nights 3 days package from bangalore, March 17, 2023 @ 5:09 pm

    Thanks for sharing, this is a fantastic blog article.Much thanks again. Fantastic.

  • By Luci Burke, March 17, 2023 @ 6:08 pm

    Howdy! I could have sworn I’ve been to this blog before but after browsing throughsome of the post I realized it’s new to me. Nonetheless,I’m definitely delighted I found it and I’ll be bookmarking and checking back frequently!

  • By best coaching in ranchi, March 17, 2023 @ 8:45 pm

    Thank you for your blog article.Much thanks again. Really Great.

  • By Pascoe Alexander, March 17, 2023 @ 11:36 pm

    Aw, this was an extremely nice post. Finding the time and actual effort to generate a good articleÖ but what can I sayÖ I hesitate a lot and don’t manage to get nearly anything done.

  • By car for rent in coimbatore, March 18, 2023 @ 4:53 am

    Im thankful for the article post.Really looking forward to read more. Fantastic.

  • By KimheemE, March 18, 2023 @ 5:33 am

    biaxin 39564

  • By self drive cars in coimbatore, March 18, 2023 @ 7:41 am

    Very neat article post.Really thank you! Fantastic.

  • By self drive car rental chennai, March 18, 2023 @ 10:42 am

    Muchos Gracias for your post.Really thank you! Really Cool.

  • By exercise equipment for home, March 18, 2023 @ 1:28 pm

    I loved your blog article. Want more.

  • By download lagu lesti insan biasa, March 18, 2023 @ 6:12 pm

    An interesting discussion is worth comment. I do believe that you should write more about this issue, it might not be a taboo subject but generally folks don’t talk about these subjects. To the next! Many thanks.

  • By KiaheemE, March 18, 2023 @ 7:46 pm

    cost of allopurinol

  • By national institute of fashion technology, March 18, 2023 @ 8:40 pm

    A big thank you for your blog article.Really thank you! Awesome.

  • By slot gacor, March 19, 2023 @ 9:01 am

    Thanks so much for the article.Really looking forward to read more. Will read on…

  • By Williamphege, March 19, 2023 @ 9:52 am

    atenolol drug

  • By MarvinNub, March 19, 2023 @ 11:22 am

    atenolol 12.5 mg

  • By collarless shirt, March 19, 2023 @ 12:21 pm

    Say, you got a nice blog article.Really looking forward to read more. Great.

  • By white dhoti kurta, March 19, 2023 @ 5:41 pm

    Wow, great article.Thanks Again. Really Cool.

  • By, March 19, 2023 @ 6:46 pm

    Hey there! I’m at work browsing your blog from my new iphone 4!Just wanted to say I love reading through your blog and look forward to all your posts!Keep up the outstanding work!

  • By rhino viagra, March 19, 2023 @ 8:38 pm

    I value the post.Really thank you!

  • By Liza Bentley, March 19, 2023 @ 10:50 pm

    Great post. I was checking constantly this blog andI’m impressed! Very useful information particularly the last part :) I care for such info a lot. I was seeking this particularinformation for a long time. Thank you and best of luck.

  • By Riccap, March 20, 2023 @ 5:16 am

    zofran canadian pharmacy

  • By MiaheemE, March 20, 2023 @ 6:19 am

    tadacip 60 mg

  • By bounce house rentals, March 20, 2023 @ 7:51 am

    At this time it looks like BlogEngine is the best blogging platform out there right now. (from what I’ve read) Is that what you are using on your blog?

  • By weight loss meal delivery, March 20, 2023 @ 9:28 am

    Thank you ever so for you blog.Thanks Again. Want more.

  • By tubidy, March 20, 2023 @ 10:02 am

    Howdy! This post couldn’t be written any better! Going through this article reminds me of my previous roommate! He continually kept preaching about this. I will send this post to him. Fairly certain he will have a great read. I appreciate you for sharing!

  • By keto meal delivery, March 20, 2023 @ 11:00 am

    texas poker- World’s Top Online Casinos, new user welfare register bonus 66₱, daily Betting Rebate 2. fast withdraw, good bonus, variety of games, World brand is trustworthy. Slot games, Card games , Live Casino, Animals(Cockfight games), fishing.

  • By JoeheemE, March 20, 2023 @ 11:19 am

    singulair 10mg otc

  • By japan work visa malaysia, March 20, 2023 @ 11:58 am

    Hello i am kavin, its my first occasion to commenting anywhere, when i read this piece of writing i thought icould also create comment due to this sensible post.

  • By skandagiri forest permission, March 20, 2023 @ 1:00 pm

    Thanks for sharing, this is a fantastic blog post.Really looking forward to read more.

  • By ZakheemE, March 20, 2023 @ 1:32 pm

    baclofen tabs 10mg

  • By modern kitchen interior designers in hyderabad, March 20, 2023 @ 4:41 pm

    Thank you for your post.Really thank you! Really Cool.

  • By visit website, March 20, 2023 @ 7:00 pm

    I value the blog post.Thanks Again. Keep writing.

  • By self drive car hire in coimbatore, March 20, 2023 @ 7:37 pm

    Thanks-a-mundo for the blog post.Thanks Again. Great.

  • By, March 20, 2023 @ 11:01 pm

    I enjoy what you guys are up too. This kind of clever workand reporting! Keep up the great works guys I’ve included youguys to my blogroll.

  • By SamheemE, March 21, 2023 @ 12:13 am

    how much is medrol

  • By furniture online india, March 21, 2023 @ 4:40 am

    Thank you for your blog.Really looking forward to read more.

  • By Davissment, March 21, 2023 @ 10:16 am

    lioresal online

  • By buy pte voucher australia, March 21, 2023 @ 10:27 am

    Appreciate you sharing, great blog.Really thank you! Really Cool.

  • By Melville Dean, March 21, 2023 @ 10:57 am

    Hi, yes this paragraph is really fastidious and I have learned lot of things from it on the topic of blogging. thanks.

  • By Doreen Barnett, March 21, 2023 @ 12:18 pm

    My brother suggested I might like this blog. He was entirely right.This post actually made my day. You cann’t imagine just how much timeI had spent for this information! Thanks!

  • By visit, March 21, 2023 @ 2:11 pm

    Appreciate you sharing, great article. Cool.

Other Links to this Post

RSS feed for comments on this post. TrackBack URI

Leave a comment

WordPress Themes