In AD PRO’s monthly Having a Moment column, AD senior design editor Hannah Martin reports as a weathervane for fads big and small, documenting the patterns and home decor trends she’s clocked in the pages of AD and beyond. Here, enjoy a look back at 2023’s most defining moments.
From nostalgic styles making a comeback to innovative responses to how we live today, there were many stand-out moments in the world of interior design this year. Reviewing them retrospectively, the selections sum up the past year’s tentpole memories—from the design fair debuts we’re still thinking about to the interiors that will inspire well into the new year. Before diving into the design forecasts and color predictions for 2024, take a minute to reflect on the home decor trends that ruled interiors this year.
Forget the subtlety of travertine (last year’s surface du jour) or the always-in elegance of snow-white Carrara. This year was all about an eye-popping specimen—strong veining, unusual colors, and (for the ultra-daring) perhaps a graphic mix of both. Surfaces need not blend into the background; they can say something too. Let’s call it personality marble—that essential dose of pattern that can make any interior pop. Take, for instance, the freestanding onyx bar Roman and Williams turned into a showstopping moment in Gwyneth Paltrow’s Montecito living room, or the all-over marble bathroom of Tinder founder Sean Rad and his wife, Lizzie Grover Rad, conjured by designer Jane Hallworth. Consider it a new kind of conversation piece for the home.
Jaxx Red Marble Side Table
“With a rise in midcentury-modern home remodels and an increased nostalgia for retro furnishings, we’re seeing more customers favoring color,” says Alyssa Wilterdink, senior marketing manager at Kohler, which relaunched a duo of vintage hues for its plumbing fixtures in honor of the American manufacturer’s 150th anniversary this year. Designers are indeed leaning in: Virginia Tupker recently ordered custom colored Water Monopoly sinks in pale pink and blue for a family home in Connecticut; color fiend Frances Merrill installed a cobalt blue sink in the powder room of a Cape Ann, Massachusetts, home; and designer Oliver M. Furth opted for a vintage pink toilet from Kohler for artist Mary Wetherford’s midcentury-modern abode in LA.
Lookin’ Good Shower Set
This year, we witnessed a surge in designers adding color, pattern, and artistic flair to their projects with hand-painted tile. “I’ll tile just about anything,” says interior designer Jessica Jubelirer, who applied the treatment to the hearth, the bathrooms, the baseboards, and, most memorably, inset in the closet doors in a lakeside Wisconsin family home. Meanwhile, in a historic Connecticut family home designed by Virginia Tupker, Delft and Portuguese tiles create a sort of wainscoting in the entryway and bathrooms, as well as fireplace surrounds. In the kitchen of that project, hand-painted tile adds a splash of pattern (drawn from a William Morris motif) as a backsplash. Practical and durable with an artisan flair, hand-painted tile adds visual interest wherever needed. Adds Jubilerer: “Kitchens, bathrooms, and fireplaces can all benefit from its practicality and beauty.”
São Dinis 88 Portuguese Tile
This spring’s design fair circuit hinted at a return to the industrial minimalism, high-tech style of the ’70s and ’80s—an industrial revolution of the interior, if you will. In April we returned from Milan with notes about a minimalism resurgence, with a particular emphasis on industrial materials. Knoll had reissued some of high-tech star Joe D’Urso’s super-adaptable and sleek low tables from the ’80s. Ledongil Workshop’s experimental lighting and furnishings, on display at Ordet gallery, felt like an elevated take on track lighting. And at Drop City, designer Daisuke Yamamoto showcased a collection of clean-lined chairs made of the most frequently trashed construction material: lightweight gauge steel. Indeed, industrial materials and minimalist silhouettes were the protagonists of this year’s debuts.
Hector Small Dome Clip Light
“We’re blowing the dust off moire,” says Raffaele Fabrizio, creative director of Dedar, while showing off the Italian fabric house’s newly expanded Amoir Libre textile. Cue the ripple effect. As of late, a handful of brands and interior designers have redirected their gaze to the historic textile that oozes opulence, repackaging it for today’s quiet luxury. Interior designer Sophie Ashby, who recently wrapped a dressing room in a pale pink Dedar moire, praises the home decor trend for its ability to expand space: “When used in the right way it can really enhance a space, enveloping the interior with tactility whilst also subtly playing with light to make smaller spaces—such as dressing rooms or hidden nooks—appear larger.”
Quadratic Rug in Burgundy by Objects of Common Interest for CC-Tapis
Before there was photography, botanists—or anyone wishing to document flora—created detailed illustrations, known as botanical studies, intended to convey the plant’s physical appearance and other qualities. Unsurprisingly, such botanical studies have long been used to decorate. Lately, the botanical studies trend—a longtime hallmark of traditional, even preppy interiors—is blooming anew. In Lauren Dupont’s Connecticut home, designed by Stephen Sills, a pair of antique botanical prints purchased at auction hang in her dressing room, and in her Palm Beach kitchen, Aerin Lauder mounted a grid of floral prints in the service pantry. Sure, there’s nothing innately groundbreaking about florals when it comes to home decor trends, but perhaps that’s just what gives them eternal life.
Nasturtium Wall Tray
In the bedroom, gone are the piles of decorative pillows and fussy, overstuffed duvets. Back is a simple coverlet that is perfectly happy not to take center stage. You know this super-simple look: a flat coverlet is laid across the bed, folded down a little at the top, and then back over a pair of standard pillows. “It always felt a bit traditional and almost religious,” says Colin King, the stylist and longtime AD contributor, who favors the minimalist bed. “It’s clean and tidy, simple but elegant. It gives the room the feeling you want your bedroom to have—serenity.” The back-to-basics look has been spotted in a restored Brooklyn Heights apartment by Augusta Hoffman, John Legend and Chrissy Teigen’s California bedroom designed by Jake Arnold, and Andre Mellone’s Manhattan sleeping quarters too.
Repose Heavyweight Bedcover
In Germany and Austria between 1815 and 1850, when the Napoleonic wars had ended and a burgeoning middle class emerged, a new style of furniture was created to suit their needs: streamlined versions of more opulent Empire furniture, characterized by strong lines, warm local woods, and simplified shapes—though, notably, not totally stripped of ornament. Biedermeier furniture, as it would later be named, has regained appeal in contemporary interiors for its chameleon qualities. It brings a calculated hit of classicism to a cool, minimalist interior, but it can deliver streamlined modernity to one that is layered and super decorated. These days, says Campbell-Rey’s Charlotte Rey, it’s all about the mix: “It is important to not be afraid to mix them with color and other periods. Perhaps you place a Memphis Milano lamp on top of a Biedermeier sideboard? Being too respectful can make it feel overly polite.”
This Valentines Day, if you want to skip the restaurant dinner date or a movie and call your partner over to your home, make sure that you also get the ambience right in addition to having his or her favourite dishes on the menu. A few quick touches can effortlessly lend your space a romantic touch. Here’s what to do…
Nothing says it better than hearts and balloons, so the first thing is to place a lot of heart-shaped balloons in red, white and pink, around.
2. Light up some candles to bring about that magical ambience, too.
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3. How about having a LOVE décor word cut-out for the wall that says it all?
4. Add to the whole comfy vibe with red cushions and throws or just have a single red cushion with a white heart accent on it.
5. You can also hang up a photo peg garland with pictures of your favourite memories together.
6. Place a pretty heart wreath on the centre table as well as little vases with roses or your favourite blooms.
7. Set a beautiful dining table with pink doilies and place a plate of heart-shaped cookies and cupcakes on that.
8. Scents have their own lure, so create a lovely atmosphere with fragrances you love – either using a room spray or diffuser.
Nestled in the heart of wine country, Santa Rosa, CA is a charming city with a unique blend of natural beauty and urban amenities. From exploring the stunning vineyards and wineries to hiking in the nearby redwood forests, there’s no shortage of outdoor activities to enjoy. The vibrant downtown area offers a diverse culinary scene, art galleries, and boutique shops, making it a perfect place for foodies and art enthusiasts.
Whether you’re searching for apartments in Santa Rosa, homes for sale, or are already a local, this Redfin article will be your guide. Here is Redfin’s list of the top 10 things to do in Santa Rosa, for both newcomers and long-time locals alike.
1. Visit Safari West
Safari West is a 400-acre wildlife preserve located in Santa Rosa. Visitors can embark on a safari adventure and see over 900 animals from 90 different species, including giraffes, rhinos, and cheetahs. It’s a unique opportunity to experience an African safari right in the heart of California.
2. Explore the Charles M. Schulz Museum and Research Center
The Charles M. Schulz Museum and Research Center is dedicated to the life and work of the creator of the Peanuts comic strip. Visitors can view original Peanuts artwork, learn about the history of the comic strip, and even try their hand at drawing their favorite characters. It’s a must-visit for fans of Charlie Brown and the gang.
3. Enjoy a day at Spring Lake Regional Park
Spring Lake Regional Park offers a variety of outdoor activities, including hiking, fishing, and picnicking. Visitors can also rent kayaks, canoes, and paddleboards to explore the lake. With beautiful scenery and plenty of recreational opportunities, it’s a great place to spend a day outdoors.
4. Visit the Luther Burbank Home and Gardens
Luther Burbank was a renowned horticulturist, and his former home and gardens are now a historic landmark. Visitors can tour the house and explore the beautifully landscaped gardens, which feature a wide variety of plant species. It’s a peaceful and educational attraction for nature lovers.
5. Sample local wines at Russian River Valley Vineyards
Santa Rosa is located in the heart of the Russian River Valley wine region, known for its world-class wineries. Visitors can take a wine tasting tour and sample a variety of local wines, including pinot noir and chardonnay. It’s a great way to experience the region’s wine culture.
6. Explore the Railroad Square Historic District
The Railroad Square Historic District is a charming area filled with shops, restaurants, and historic buildings. Visitors can stroll through the streets and admire the architecture, or stop in at one of the many unique boutiques and eateries. It’s a great place to soak up the city’s history and culture.
7. Take a hot air balloon ride over wine country
Santa Rosa’s proximity to wine country makes it the perfect place to take a hot air balloon ride. Visitors can soar above the vineyards and enjoy breathtaking views of the rolling hills and valleys. It’s a memorable way to experience the beauty of the region.
8. Visit the Pacific Coast Air Museum
The Pacific Coast Air Museum is dedicated to preserving and showcasing vintage aircraft. Visitors can explore the museum’s collection of planes and learn about the history of aviation in the region. It’s a fascinating attraction for aviation enthusiasts of all ages.
9. Attend the Luther Burbank Rose Parade and Festival
The Luther Burbank Rose Parade and Festival is an annual event that celebrates the city’s horticultural heritage. Visitors can enjoy a colorful parade featuring floats adorned with beautiful roses, as well as live music, food vendors, and activities. It’s a fun and festive experience for the whole community.
10. Explore the Sonoma County Museum
The Sonoma County Museum showcases the art, history, and culture of the region. Visitors can view a variety of exhibits, including contemporary art, historical artifacts, and interactive displays. It’s a great way to learn about the diverse heritage of Santa Rosa and its surrounding areas.
Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Tim Maxwell
Contributor
Tim Maxwell is a freelance personal finance writer with over two decades of media experience. His work has been published in Bankrate, CBS News, Experian and other outlets. Tim is passionate about financial literacy and empowering people to take control of their finances. When he’s not writing or geeking out over his budget, he enjoys creating memories with his family in the Sierra Nevada mountains.
Chicago, with its vibrant culture and dynamic cityscape, offers a lot, but living in such an urban hub can be costly. Wondering about rental prices in Chicago? On average, studios go for $1,572 per month, one-bedrooms at $1,907 and two-bedrooms at $2,558. If these prices are beyond your budget, don’t worry.
If you’re in search of a more pocket-friendly option that still keeps you within reach of Chicago’s energy, you’re in the right place! We’re thrilled to present to you 10 of the most cost-effective suburbs surrounding Chicago. These areas range from serene, small-town atmospheres to bustling, vibrant communities, offering a diverse array of living experiences. Read on to find your potential new, affordable home in one of these affordable Chicago suburbs.
Average rent for a studio: $1,450
Average rent for a one-bedroom: $950
Average rent for a two-bedroom: $1,400
Distance from Chicago: 17 miles
Apartments for rent in Oak Lawn
Leading our list of affordable ‘burbs in Chicago is Oak Lawn, a suburb boasting affordability and proximity, only 17 miles southwest of Chicago. It offers substantial savings, especially with one-bedroom apartments. Oak Lawn is not just about affordability; it’s a community rich in recreational activities and cultural events. The Oak Lawn Park District hosts numerous community events and sports leagues, while Wolfe Wildlife Park provides nature trails and birdwatching opportunities. The downtown area is a hub of activity with its eclectic mix of local eateries, boutiques and seasonal farmer’s markets, reflecting the suburb’s unique charm.
Average rent for a studio: $890
Average rent for a one-bedroom: $1,005
Average rent for a two-bedroom: $1,195
Distance from Chicago: 45 miles
Apartments for rent in Joliet
Joliet, a suburb with a robust historical background, is our next top pick. About 45 miles southwest of Chicago, it offers rents significantly lower than the city’s. Joliet is not just budget-friendly; it’s rich in history and culture. The Old Joliet Prison, now a museum, offers a unique glimpse into the past, and the Rialto Square Theatre, known for its stunning architecture, presents a range of performances. Joliet also boasts the Harrah’s Joliet Casino for entertainment and a bustling downtown area with an array of dining and shopping options.
Average rent for a studio: $922
Average rent for a one-bedroom: $1,162
Average rent for a two-bedroom: $2,142
Distance from Chicago: 10 miles
Apartments for rent in Oak Park
Just 10 miles west of Chicago, Oak Park combines affordability with cultural richness. This suburb is renowned for its architectural heritage, particularly the Frank Lloyd Wright Home and Studio and the Ernest Hemingway Birthplace Museum. Oak Park’s charm extends to its vibrant arts scene, with galleries and theaters and its commitment to green spaces, as seen in the expansive Oak Park Conservatory. The suburb’s bustling downtown area offers a diverse range of dining, shopping and entertainment options, making it an attractive place for those who appreciate both history and modern conveniences.
Average rent for a studio: $2,022
Average rent for a one-bedroom: $1,375
Average rent for a two-bedroom: $1,450
Distance from Chicago: 15 miles
Apartments for rent in Skokie
Skokie, located 15 miles north of Chicago, is an affordable option that doesn’t skimp on amenities. This suburb is known for its cultural diversity and community-focused events. The Emily Oaks Nature Center offers an oasis for nature enthusiasts, while the Skokie Northshore Sculpture Park showcases impressive outdoor art. Skokie’s vibrant downtown area features a range of shopping and dining options, and its renowned school system makes it a great choice for families.
Average rent for a studio: $1,260
Average rent for a one-bedroom: $1,400
Average rent for a two-bedroom: $1,980
Distance from Chicago: 40 miles
Apartments for rent in Aurora
Aurora, about 40 miles west of Chicago, is known for its lively urban atmosphere combined with more affordable living costs. Home to the Oakhurst Forest Preserve and the historic Paramount Theatre, Aurora offers a range of outdoor and cultural activities. The city’s downtown area is a mix of historic and contemporary, with various shopping, dining and nightlife options. Aurora also hosts several festivals and community events throughout the year, reflecting its vibrant community spirit.
Average rent for a one-bedroom: $1,533
Average rent for a two-bedroom: $1,844
Distance from Chicago: 30 miles
Apartments for rent in Arlington Heights
Arlington Heights, 30 miles from Chicago, offers a blend of suburban tranquility and urban amenities. Its downtown area is a bustling hub with a variety of shops, restaurants and entertainment options. The suburb also features multiple parks and recreational facilities, making it an attractive place for outdoor enthusiasts and families.
Average rent for a studio: $1,433
Average rent for a one-bedroom: $1,573
Average rent for a two-bedroom: $1,900
Distance from from Chicago: 33 miles
Apartments for rent in Schaumburg
Schaumburg, situated 33 miles northwest of Chicago, is a suburban haven balancing a slightly longer commute with affordable living. It’s home to the Spring Valley Nature Center & Heritage Farm and the sprawling Woodfield Mall, one of the largest shopping destinations in the region. Schaumburg also boasts a variety of dining and entertainment options and is known for its well-developed park district and community services.
Average rent for a studio: $1,836
Average rent for a one-bedroom: $1,600
Average rent for a two-bedroom: $1,902
Distance from Chicago: 20 miles
Apartments for rent in Des Plaines
Des Plaines, a suburb known for its affordability and proximity to Chicago, offers a blend of urban and suburban living. The Des Plaines Theatre provides entertainment options, while the downtown area is filled with shops and eateries. Outdoor enthusiasts will enjoy Prairie Lakes Park, offering scenic beauty and recreational activities.
Average rent for a studio: $1,207
Average rent for a one-bedroom: $1,652
Average rent for a two-bedroom: $2,300
Distance from Chicago: 15 miles
Apartments for rent in Evanston
Evanston, just 15 miles from Chicago, offers a relaxed lifestyle with plenty of activities, making it an easy pick among the best affordable Chicago suburbs. Known for the Northwestern University campus, this suburb has a college-town feel with historic architecture and events. The Evanston Art Center and The Lakefill, with its stunning skyline views, are highlights, making Evanston an ideal suburb for those seeking a mix of culture and tranquility.
Average rent for a studio: $2,020
Average rent for a one-bedroom: $1,820
Average rent for a two-bedroom: $2,311
Distance from Chicago: 35 miles
Apartments for rent in Naperville
Naperville, a dynamic suburb 35 miles west of Chicago, is known for its vibrant community and scenic beauty. The Naperville Riverwalk and the Naper Settlement are popular attractions. The city boasts a lively downtown area with shops, restaurants and cultural venues, making it a sought-after location for those who desire a mix of suburban charm and urban amenities.
Discover your ideal home in these affordable Chicago suburbs
These suburbs offer more than just affordability; they are communities rich in culture, history and amenities, providing an enhanced quality of life. From quaint streets to bustling local businesses and peaceful parks, there’s a perfect fit for everyone – families, professionals, and retirees alike. These suburbs don’t just ease your wallet; they enrich your life, fostering close-knit communities where lasting friendships and memories are made. Here, the spirit of Chicago is alive in a more accessible, affordable form, where the true value of a city is reflected in its people and the warmth of the community they create.
Thinking of transitioning from renting to owning? Explore our guide to the most affordable Chicago suburbs for homebuyers.
Methodology: Affordability is based on whether a suburb’s one and two-bedroom rent was less than Chicago and under 45 miles from downtown Chicago. Average rental data from Chicago rental market trends on October 26, 2023. Population data sourced from the United States Census Bureau.
The Federal Reserve left interest rates alone for the fourth consecutive meeting and acknowledged the progress it’s made at defeating red-hot inflation — but stopped short of indicating that rate cuts are around the corner as the economy’s strength continues to surprise.
The Federal Open Market Committee’s (FOMC) decision points to the likelihood that the Fed will not lift its key benchmark borrowing rate any higher than its current target range: 5.25-5.5 percent. That’s still, however, a level that hasn’t been seen since 2001, translating to significant gains on the prices consumers pay to borrow money. Mortgage rates, home equity lines of credit (HELOCs) and auto loans are the highest in more than a decade, Bankrate data shows.
An improving inflation picture is giving policymakers room to slow their fastest rate-hiking regime since the 1980s. The Fed officially targets a 2 percent annual rate, and prices rose 2.6 percent from a year ago as of December, according to their preferred gauge from the Department of Commerce. It marks a major improvement in a historically short period of time. Just last January, prices rose at a 5.5 percent annual rate, while inflation also peaked at 7.1 percent in June 2022.
The slowdown is also more pronounced than Fed officials expected. Last March, officials thought inflation would finish 2023 at a 3.3 percent annual rate, their projections show.
The FOMC “judges that the risks to achieving its employment and inflation goals are moving into better balance,” officials wrote in their post-meeting statement. “The committee does not expect it will be appropriate to reduce the target range until it has gained greater confidence that inflation is moving sustainably toward 2 percent.”
But officials aren’t yet ready to declare “mission accomplished” in their inflation fight. Defying theory, higher interest rates and slowing inflation haven’t slammed the brakes on economic growth. In the final two quarters of 2023, the U.S. economy expanded at the fastest pace since 2021. Unemployment has remained at a historically low level below 4 percent for the longest stretch of time since the 1960s, and job openings are still more plentiful than at any point before the pandemic.
It creates a difficult conundrum for U.S. central bankers, who are expected to soon start debating the proper timing for lowering interest rates. Officials don’t just attempt to keep prices stable but also aim to achieve maximum employment in the U.S. economy. Keeping interest rates too high for too long could risk damaging Americans’ job prospects — and the more inflation slows, the more restrictive their rate benchmark becomes.
But haunted by memories of the U.S. central bank pulling back too soon and reigning more inflation in the 1970s, Fed officials don’t want to risk giving the economy more juice that could make its war on inflation more pronounced and painful.
Officials aren’t appearing to be in any rush to cut interest rates. As of December, policymakers were expecting to cut interest rates three times this year. Investors, however, think the slowdown in inflation can pave the way for a much more aggressive series of rate cuts. Investors are currently pricing in six quarter-point, or 1.5 percentage points, worth of cuts for 2024, CME Group’s FedWatch tool shows.
The Fed has a more powerful influence over consumers’ wallets than any other policymaker in Washington. Just as the Fed’s rate acts as a lever on the key interest rates throughout Americans’ financial lives, it also influences how much consumers earn on their savings accounts and certificates of deposit (CDs). The highest yields in over a decade are also slowly starting to pull back, now that it looks like the Fed is done raising interest rates.
“Inflation has come down faster than anticipated, but whether or not this can be sustained is central to the Fed’s decision about when to begin cutting interest rates,” says Greg McBride, CFA, Bankrate chief financial analyst. “The Fed is certainly pushing back on the notion of a March interest rate cut, dashing investors’ hopes again, but keeping options open and remaining non-committal as a central bank does.”
The Fed’s rate decision: What it means for you
Savers
Even if the Fed cuts interest rates this year, the wins for savers aren’t yet over. Barring a major economic catastrophe, Fed officials are unlikely to reverse course and cut borrowing costs back to near-zero. Translation: Rates will stay higher for longer, meaning historic payouts on consumers’ savings accounts are bound to remain.
Don’t be surprised, however, if yields drift lower over the coming months. On many of the products Bankrate tracks, they already have. Last October, the top-yielding 5-year CD hit 4.85 percent annual percentage yield (APY). Today, it’s paying 4.6 percent. Even high-yield savings accounts — offering consumers an APY roughly nine times higher than the national average — have edged lower to 5.35 percent from 5.4 percent.
Consumers who can afford to tie up some of their cash — or retirees who want to add another no-risk, fixed-income investment to their portfolio — aren’t gaining any ground by waiting to lock in a CD. But if you’re primarily saving for emergencies, lower rates shouldn’t deter you from shopping around for an account with the best rate.
Keeping just $1,000 in a high-yield savings account offering 5 percent APY would give you $50 in interest. Stashing away $10,000, meanwhile, can earn a saver an extra $500 in a year.
Borrowers
If you don’t have an emergency fund, it’s an exceptionally costly era to have to turn to credit cards to fund an unexpected expense. Credit card rates have been hovering at the highest levels on record since September, most recently hitting 20.74 percent, Bankrate data shows. They could retreat when the Fed begins to cut interest rates but not enough to make high-cost debt less of a headache. Even when the Fed’s benchmark was at a record low, rates were holding above 16 percent annual percentage rate (APR).
The good news for credit card borrowers: The economy avoiding a recession means issuers are unlikely to pull back on the 0-percent introductory offers on balance transfer cards. If you’re looking to chip away at credit card debt, you can currently find a card that won’t charge you any interest for as long as 21 months, helping your debt repayments go even further. Be sure to calculate the fees associated with transferring that balance to a credit card and have a debt repayment game plan. A $10,000 balance with a 21-month no-interest offer would still require that consumers dedicate about $471 a month to eliminate that debt on time before their interest charges surge again.
Consumers with fixed-rate loans locked in before the Fed began raising interest rates have been protected from the Fed’s rapid rate hikes, but you can’t always time the market. If you’re going to have to finance a big ticket purchase in the near future, be sure to compare offers from multiple lenders before locking in a loan.
To set yourself up for lenders’ best offers, bolster your credit score by paying your bills on time and utilizing less than 30 percent of your available credit.
If you borrowed money after the Fed began raising interest rates and your credit score has improved, you might be able to refinance into a lower, fixed-rate loan.
Homebuyers
It’s not as affordable to finance a home as it was in the aftermath of the coronavirus pandemic, but it’s certainly getting cheaper than it was last fall. After surging above 8 percent in October for the first time since 2000, the 30-year fixed-rate mortgage has now fallen more than a percentage point, touching 6.93 percent as of Jan. 24, Bankrate data shows.
The difference might not seem like much, but for buyers simultaneously facing the dilemma of low inventory and high prices, the pullback creates more breathing room in homeowners’ budgets. The drop in mortgage rates since last fall translates to more than $4,000 in savings a year, Bankate’s mortgage calculator shows.
More improvement could be on the horizon. McBride predicts that the 30-year fixed-rate mortgage will fall to 5.75 percent by the end of the year, according to his 2024 interest rate forecast.
Central to housing affordability, however, are low inventory and high prices. Home prices in November snapped a nine-month streak of gains in S&P CoreLogic’s Case-Shiller Home Price Index, suggesting that home price appreciation might be losing some momentum. But housing is still more expensive than it was before the pandemic, with prices up 46 percent since February 2020, S&P CoreLogic’s data also shows.
The housing market has been especially troubling for first-time buyers. The typical age of a first-time buyer hit 35, near the oldest levels on record, according to National Association of Realtors data from November.
If you’re deciding to wait out a difficult market, you can still take steps that set you up for homeownership in the future. Work on growing your income, paying down your debts, bolstering your credit score and saving for a down payment, so you’re better prepared when the time does come.
Investors
No one is happier about the prospect of lower rates than investors. The S&P 500 and the Dow Jones Industrial Average have broken six fresh record highs so far in 2024.
But investors’ hopes can be dashed in an instant. The Fed looks unlikely to cut interest rates as aggressively as investors are expecting. Meanwhile, continued good news for the U.S. economy could quickly start to make markets jittery if it threatens the U.S. central bank’s plans to reduce borrowing costs.
The long-term investor, however, shouldn’t pay attention to those fears. Stay the course with your retirement savings, and keep a diversified portfolio. The temporary pain of high rates is meant to provide the long-term gain of slow and stable inflation — a positive for economic growth and company earnings in the long run.
Fed wants ‘greater evidence’ that its raised interest rates enough to cool inflation
In a pointed admission, Fed Chair Jerome Powell said discussions at the Fed’s latest rate-setting meeting lead him to believe that it’s unlikely the Fed will cut interest rates at its next meeting in March — though whether that proves reality “remains to be seen,” he said.
Officials aren’t so worried about inflation accelerating, though they’d be prepared to raise borrowing costs again if it did, Powell said. Rather, the greater risk is that inflation stays stuck in a holding pattern above 2 percent.
Between now and the March meeting, the Fed will have two more inflation and jobs reports from the Bureau of Labor Statistics, as well as another look at its preferred gauge from the Commerce Department.
“It’s not that we’re looking for better data, but a continuation of the good data we’ve been seeing,” Powell said at the post-meeting press conference, referring to what the Fed would need to see to feel confident enough about cutting rates. You’ve had six good months, very good months, but what’s really going to shake out here when we look back?”
Will the Fed still cut rates in 2024?
Rate cuts, however, haven’t been taken off the table. Powell said that “almost” all officials think slowing inflation will clear the path for them to cut borrowing costs sometime this year.
Investors are now starting to turn to the May or June meetings as the timing for the Fed’s first rate cut, CME Group’s data shows. A month ago, investors said the odds of rate cuts beginning in March were nearly 73 percent.
One takeaway that investors appreciated: Powell said the Fed doesn’t view a resilient economy as a problem, so long as inflation continues simultaneously cooling. Powell has previously indicated that officials believe they need to see “below-trend growth” to bring inflation down. His new comments suggest the Fed would still be willing to cut rates in a strong economy — different from previous cycles, when the Fed has aggressively slashed borrowing costs to save the economy from a recession.
Stocks soared to their highest of the trading day on the statement, though they quickly erased those gains once Powell took a March cut off the table.
“We want to see strong growth; we want to see a strong labor market,” Powell said. “We’re not looking for a weaker labor market. We’re looking for inflation to continue coming down, as it has been over the past six months.”
But the job isn’t over. Healing supply chains aren’t fueling disinflation as much as they once were — and the next mile of bringing inflation back down might rest within the labor market. A fresh look at companies’ compensation costs showed that wages rose 4.3 percent from a year ago in the fourth quarter of 2023, a major slowdown from the 5.7 percent rate in the second quarter of 2022 but more robust than at any point before the pandemic. The data signals that employers’ demands for workers are still outstripping supply, and elevated wage gains could put more pressure on the stickier side of inflation: services.
Helping to prevent the booming job market from contributing to more inflation last year, 2.8 million workers entered the labor force in 2023, Labor Department data shows. An aging population calls into question just how much longer those gains can last. A separate report from the Congressional Budget Office released on Jan. 18 showed that forecasters in Washington project the population will grow just 0.6 percent a year on average between 2024 and 2034.
The Fed has risks on both sides. Just as cutting rates too soon could spur more inflation, the Fed could also put its soft landing in jeopardy if it ends up leaving borrowing costs too high for too long.
“This is transitory disinflation,” says Brent Schutte, chief investment officer at Northwestern Mutual Wealth Management, harkening back to the phrase that Fed officials initially used to describe the post-pandemic price burst. “How do you land an economy that is as big as ours, at exactly the point where supply and demand meet? They always desire a soft landing. It’s just hard to achieve one.”
For many, the dream of homeownership is deeply rooted in the desire for financial security and the promise of a sound investment. While the potential for building equity is undoubtedly a compelling reason to own a home, it’s essential to recognize that the benefits extend far beyond the realm of monetary gains.
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Stability and Emotional Anchoring
Homeownership provides a unique sense of stability that goes beyond counting dollars and cents. Knowing that you have a place to call your own fosters a sense of emotional anchoring. Unlike the uncertainty of renting, where one might need to uproot at a moment’s notice, homeownership allows individuals and families to establish deep roots, creating a stable environment for personal growth and lasting memories.
A Canvas for Personal Expression
Owning a home is like owning a canvas on which you can paint the story of your life. The ability to personalize your living space, from choosing paint colors to creating a garden oasis, allows for a level of self-expression that is often restricted in rental properties. This personal touch transforms a mere dwelling into a reflection of your identity, making your house truly feel like a home.
Community Connection
Homeownership often goes hand-in-hand with a sense of community. Unlike rental situations, homeowners tend to invest in the long-term health and vibrancy of their neighborhoods. Engaging in local events, participating in community initiatives, and building relationships with neighbors contribute to a rich community life. This sense of belonging goes beyond the walls of your home, creating a network of support and shared experiences.
Generational Legacy
A home can become a cherished family legacy, passing down through generations. Owning a home allows families to create a connection to their past and provide a stable foundation for future generations. The memories created within the walls of a family home become a part of its legacy, carrying the stories and traditions of the family forward.
Sense of Accomplishment and Pride
Achieving homeownership is a significant life milestone that brings with it a profound sense of accomplishment and pride. The journey from envisioning a home to holding the keys represents hard work, dedication, and financial responsibility. Your new home is filled with a sense of pride and positivity as a result of this accomplishment.
True wealth in the homeownership journey is found not only in the equity acquired but also in the priceless moments, treasured memories, and feelings of community that turn a property into a home for life.
When you set out on the path of homeownership, keep in mind that the true worth of a house is not only in the equity it creates but also in the depth to which it enriches the chapters of your life.
Are you looking for a home to call your own?Give us a call today!One of the experienced real estate agents at Zoocasa is happy to help you along your exciting home-buying journey!
In 2024, the world of design is evolving — the 2023 design trends that once seemed evergreen are proving themselves out of fashion fast. Designers are leading a creative revolution, saying goodbye to certain decor trends that have been around for too long. Let’s explore the shifts and innovations that will redefine our living spaces this year.
The saturation of grays, greiges and beiges
The subdued palette that dominated 2023 is now experiencing a sense of saturation. While these neutrals are timeless, their overuse, especially within the realm of minimalism, has rendered them somewhat uninspiring. Consider infusing vitality into your color scheme with bold and saturated hues. Also, explore the rich spectrum of nature-inspired tones to breathe life into your living spaces. Jewel tones also contrast beautifully against most gray wall colors and add more personality.
Checkered pattern play and chevron prints have a checkered past
The once-revitalizing checkered pattern in home decor has become a victim of its own popularity. We have to say the same for the once-popular chevron print that found its way onto rugs, walls and decor items, too. Instead of continuing with this trend, opt for textural fabrics like natural linen. This shift provides a refreshing departure from the ubiquitous checkered aesthetic while maintaining a touch of vintage charm.
Overly coordinated decor
The meticulous coordination of every element in a space, a hallmark of 2023, is now on the wane. Beyond the significant investment of time and money, overly coordinated decor tends to create impersonal and somewhat sterile living environments. Embrace maximalism, which encourages an eclectic and personalized approach. It injects warmth and character, transforming spaces into inviting havens. While we can’t really say that minimalism itself is out, the aesthetic’s leaning toward over-coordination is.
Saying sayonara to impersonal spaces
Hiding personal touches within homes, a trend of 2023, is giving way to a more authentic and open expression of individuality. In 2024, the focus is on showcasing personal style, memories and uniqueness through decor. Consider creating a gallery wall that tells your story with pride. This departure from impersonal spaces contributes to a more emotionally resonant and visually captivating living environment.
Overestimating our green thumb
While plants undoubtedly enhance interiors, the misconception of universal gardening expertise can lead to the neglect of these green companions. Instead of overestimating our green thumbs, we recommend taking an honest assessment of how much plant care you can handle. Start small with low-maintenance plants like succulents, gradually incorporating them into your decor for a harmonious and vibrant atmosphere.
Style over comfort
The dominance of style over comfort in 2023 is evolving. The realization that a truly inviting living space should prioritize comfort and functionality is gaining traction. Investing in multifunctional furniture is a key shift, ensuring that pieces look good while enhancing the overall living experience. This move towards comfort signifies a departure from purely aesthetic-driven choices.
Choosing trendy over timeless
The inclination to chase trends is losing ground to a preference for timeless design elements, such as the transitional design style. The recognition that trendy pieces can quickly make a space feel outdated and impersonal is driving a shift towards enduring choices. Embrace mid-century modern design, sustainable pieces and neutral rugs for a timeless and enduring aesthetic.
Is gold gaudy in 2024?
Gold, as a timeless element, remains in vogue, but the gaudy and flashy manifestations are making way for more subdued and sophisticated design choices. The desire for a balanced and refined atmosphere has prompted a departure from the excessive use of brassy gold pieces everywhere — instead choosing a more burnished gold look. Opt for timeless and versatile gold accents that contribute to an elegant and harmonious living space.
Image source: ELLE Decor
Embracing bold statements of 2024
As we bid farewell to our once-beloved 2023 design trends, there’s a resounding call to embrace designs that have a striking impact. Vibrant color choices, daring patterns and eye-catching focal points are becoming central to creating memorable aesthetics.
This movement invites individuals to step into the role of interior designers, breaking free from the mundane and infusing spaces with a daring, expressive approach. The power of bold statements is set to elevate our living spaces and leave a lasting impression in the unfolding narrative of 2024.
Make a new statement with a new apartment
If you’re still on the quest for a new living space, explore the available apartments and homes for rent. It’s an opportunity to infuse your creative touch and turn your dream rental into a personalized haven.
In the ever-evolving world of design, trends come and go, shaping the aesthetic landscape of our living spaces. As we step into the new year, designers find themselves at the forefront of a creative revolution, ready to bid farewell to certain decor trends and colors that have adorned homes for too long. We’re delving into the dynamic realm of interior design, exploring the shifts, evolutions and innovative styles that are set to redefine our living spaces in this year.
Join us on a journey through the anticipated transformations as designers eagerly embrace the wave of change, bidding adieu to familiar motifs to make room for fresh and inspiring design aesthetics.
2023 design trends we’re happy to leave behind
This year has introduced numerous exciting decor ideas to the design realm, yet amidst the innovative concepts, some interior design trends seem overdone. While it’s crucial to honor individual style preferences, there’s a sense of anticipation for a fresh wave of inspiration in the coming year. Embracing your favorite decor pieces is encouraged, but for those eager for a change or seeking new home design ideas, here’s a selection of trends that might benefit from taking a step back.
1. Gray, greige and beige tones
The muted greys and beiges that dominated 2023 design trends now feel overplayed. While these neutrals will never necessarily go out of style, they’re used too much especially due to the large influence of minimalism.
These tones lack personality and can result in a space that feels uninspired and monotonous. Instead of defaulting to the safety of muted greys and beiges, consider injecting some life into your color palette. Experiment with bolder hues or explore the vast spectrum of nature-inspired tones.
Trend to try instead: Bold hues and saturated colors.
2. Checkered pattern play
This year, the checkered pattern in home decor has become somewhat overdone, largely due to the influence of social media influencers who fervently promoted its use. While the pattern itself exudes cool retro vibes, its widespread presence in design circles has created a feeling of saturation. The once-refreshing nod to vintage aesthetics has now reached a point where the checkered pattern has a chequered past.
Trend to try instead: Textural fabrics over patterned ones like natural linen.
3. Overly coordinated decor
The 2023 trend of overly coordinated decor is on the way out, and for good reasons. The meticulous matching of every element in a space, from furniture to accessories, not only demands a significant investment of both money and time but also tends to make homes feel somewhat impersonal. The pursuit of perfection in coordination often results in spaces that lack warmth and character found in a more eclectic and personalized approach.
Trend to try instead: Maximalism.
4. Impersonal spaces
Speaking of impersonal spaces, hiding personal decor should be left to the old 2023 design trends. In the evolving world of interior decor, the idea of hiding personal touches within a home is becoming passé. Instead, there’s a rising inclination toward showcasing personal style, memories and individuality through decor. As we embrace the transition into 2024, the mantra is to let your space reflect your personality openly and tell your story with pride and authenticity.
Trend to try instead: Embracing eclectic and personal decor, like a gallery wall.
5. Overestimating our green thumb
Plants elevate rooms to the next level, bringing color and vibrancy that transforms the atmosphere effortlessly. Natural materials also tend to work well with plants in the interior design world, making plants a fun element to design around. While plants undeniably enhance the appeal of interiors, the misconception that everyone possesses expert-level gardening skills can lead to the neglect of these green companions.
Instead of letting overconfidence overshadow the joy of incorporating plants into your decor, we recommend a more mindful approach to their care and placement. Starting small and adding on is the best way to incorporate plants into decor in the year ahead.
Trend to try instead: Succulents and other low-maintenance plants.
6. Style over comfortability
Will 2024 be the year we finally prioritize comfort and practicality over style when it comes to furniture? The 2023 design trends favoring style over comfort have overstayed their welcome, and there’s a growing realization that a truly inviting and functional living space should prioritize comfortability. Investing in pieces that not only look good but also provide a cozy and functional experience can transform the way we interact with our living environments.
Opposing trend we love: Multifunctional furniture.
7. Choosing trendy over timeless
It’s time to rethink the whole trendy versus timeless design trend. Last year, we saw a ton of trendy pieces taking over interior design trends, like curvy and rounded furniture, sculptural ceramic vases and knot and arch pieces.
But here’s the problem – being too enamored with what’s ‘in’ can make your space feel outdated and impersonal. Acrylic plastic furniture might be modern, but it’s not immune to becoming yesterday’s news. Leave chasing the latest trends behind and focus on picking pieces that feel timeless and can stand the test of time.
Timeless trends we love: mid-century modern design, sustainable design pieces and neutral rugs.
8. Gaudy gold
Before you clutch your gold-set pearls, understand that gold itself will never truly be out of style. The flashy nature of gaudy gold furnishings tends to clash with the timeless, contemporary trend of clean lines and simple elegance.
People are now gravitating towards timeless and versatile pieces that contribute to a balanced and harmonious living space, which doesn’t involve the overuse of gaudy gold. The desire for a more relaxed and refined atmosphere has led to the decline of gold in favor of more subdued and sophisticated design choices.
Think boldly in 2024
We can’t talk about 2023 design trends we want to see retired without touching on an aesthetic we hope to see carried into the new year. Our favorite design trend from last year, which we’re rooting for in the new year, is the emphasis on bold statements. Whether it’s vibrant color choices, daring patterns or eye-catching focal points, the idea of making a statement in design has added a refreshing dynamic to spaces.
Big statements inject personality, spark conversations and create memorable aesthetics. From statement furniture pieces to accent walls that demand attention, this movement invites us to become an interior designer ourselves, break free from the mundane and embrace a more daring, expressive approach to design. Let’s continue celebrating the power of bold statements to elevate our living spaces and make a lasting impression in 2024.
Still in search of the perfect place to turn into your design haven? Browse available apartments and homes for rent to put your creative touch on your dream rental.
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
Looking for under the table jobs? When you’re looking for ways to earn extra cash, under the table jobs can be a route to take. These jobs typically pay with cash only. These can be part-time jobs, side hustles, or even a full-time career. Now, with under the table jobs, the person paying you is…
Looking for under the table jobs?
When you’re looking for ways to earn extra cash, under the table jobs can be a route to take. These jobs typically pay with cash only.
These can be part-time jobs, side hustles, or even a full-time career.
Now, with under the table jobs, the person paying you is not paying taxes. But, you still should pay taxes, as it is the law in the U.S.
Key Takeaways
Under the table jobs are a flexible way to earn cash without formal employment.
You can tap into many different job fields, from childcare to handyman services, to make extra money.
If a person pays you in cash, it’s still important to report that income to the IRS. If you don’t, it could be tax evasion, which is illegal.
Best Under the Table Jobs
If you’re looking for ways to earn cash, there are plenty of jobs that you can do under the table.
Some popular options include:
As a handyman, you can fix things around a house, like replacing a bathroom mirror or broken doors. If you’re good with tools and fixing things, this can be a great way to make some money.
If you like sharing what you know, tutoring might be a good side gig for you. You can help kids with their schoolwork or even teach music if you play an instrument.
Babysitting is a classic way to earn cash. You watch kids while their parents are away and might even help them with homework.
Love being outside? Try landscaping or mowing lawns. You can make yards look nice and make good money.
For those who love animals, dog walking or pet sitting are fun ways to make money. Spend time with pets, take them for walks, and make sure they’re fed.
Continue reading below to see the full list and learn more about under the table jobs.
1. Reseller
Resellers buy items and sell them for a higher price to make a profit.
You can find things at low prices from garage sales, thrift stores, or online clearance deals. Then, you sell them in places like eBay, Facebook Marketplace, Craigslist, or even to friends and family.
You can sell things like clothes, electronics, toys, and books that people want. It’s usually a good idea to choose items you know a lot about because it makes it easier for you to know a good deal when you see one.
I personally have many friends who are resellers, and I was a reseller in the past as well (before I started blogging full-time!). It can be a great way to make cash income.
Whether you’re looking to make just a little extra cash or if you want a full-time job, this is a good option to look into.
I recommend watching the free webinar Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days to learn how to make money by flipping items.
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
2. Childcare
A popular cash job is babysitting. Most moms and dads need good babysitters, and they’re happy to pay a fair amount for someone to watch their kids while they go out for the evening.
Babysitters make a good income these days – typically around $20 per hour.
If you think it might be tough to earn money this way, don’t worry – it’s possible. Just posting a simple message on your Facebook page could connect you with someone who needs a babysitter.
Note: I recommend making sure you check with your city or state before you begin. Also, make sure that your home is safe (if you watch children in your own home) and that you are CPR certified.
Recommended reading: 29 Best Stay At Home Jobs
3. Home and yard maintenance
When you’re looking for a way to make some extra money, you can do home and yard maintenance jobs. These are tasks people don’t have time to do themselves (or they simply don’t like to do!).
For example, if you like being outdoors, landscaping work might be perfect for you. Jobs in this area include lawn mowing, trimming hedges, and planting flowers.
If you prefer working indoors, you might focus on home maintenance tasks instead. Tasks like house cleaning or helping to organize a garage are commonly needed.
These jobs usually pay in cash at the end of the day or after the job is done. Usually, the homeowner pays you in cash before you go home.
4. Pet groomer
Pet groomers clean pets so that they look nice and healthy (and everyone needs a regular bath!). If you like pets, then you may enjoy being a pet groomer.
Pet groomers can sometimes get paid in cash, especially when you run your own business. I have seen many pet grooming businesses that operate out of a trailer that the person pulls behind their vehicle. They go straight to the person’s home, wash their dog in their mobile dog cleaning trailer, and then collect the cash payment once they are done.
Your work will include brushing and cutting fur, trimming nails, giving baths, and maybe even brushing the pet’s teeth. You make sure pets are clean, comfortable, and looking good. Sometimes, pet owners might also ask you to style their pets’ fur in a special way as well (such as by pinning back fur out of the dog’s eyes).
5. Pet sitter
Working as a pet sitter can be a simple and enjoyable way to earn extra cash.
As a pet sitter, your job is to keep an eye on someone’s pet while they are away. This can include feeding, walking, and playing with the pet to make sure it’s happy and healthy. You may need to stay overnight at the pet owner’s home or the pet may stay with you (it simply depends on what you and the pet owner agree on).
You can find pet sitting jobs on Rover. I have personally used this site countless times to find a pet sitter for my dogs.
Another under the table job similar to this is becoming a house sitter. House sitters watch homes while the owner is away and this can be a great side hustle. I talk more about this in a section further below.
6. House cleaning
When you’re looking for work that’s paid directly in cash, without formal paperwork, you might want to start with house cleaning.
So, what does a house cleaner include? Well, you’ll do things like dusting, vacuuming floors, and cleaning bathrooms. Sometimes, you’ll wash dishes or do laundry. If the house has pets, you might need to clean up after them too. Some house cleaners may even specialize in areas like extensive deep cleans that may take a whole day or even many days (or weeks!).
House cleaners earn between $25 to $50+ an hour for cleaning for others.
To get paid in cash means that you’ll typically work for yourself and get paid once you are done with cleaning for the day or after a week or two.
Getting this kind of business going isn’t costly because you probably already have the cleaning supplies you need (like a mop and vacuum). You can let people know about your services on Facebook, tell your friends and family, or create an account on Care’s website.
7. Dog walker
Dog walkers are exactly that – they walk dogs to make money.
You can find these jobs posted on platforms like Rover or just by posting something on your personal Facebook page advertising your dog walking service.
As a dog walker, your job is to take dogs for their daily walks while their owners are busy. This may be a walk that is around 30 minutes to one hour each time, but it all depends on what you have agreed on with the owner.
Walking pets can earn you about $15 to $25 or even more for each walk per animal.
8. Snow removal
If you’re good with a snow shovel or snowblower, snow removal might be a great job for you. This work can pay cash, making it a common under the table job.
When it snows, many people need help clearing their driveways and sidewalks. Some jobs are for one-time events, while others might need you all winter right after it snows to keep their driveways and sidewalks safe for people to walk or drive on.
You can find snow removal jobs by asking your neighbors or local businesses. Sometimes people put up signs along the roads in neighborhoods or ads online looking for help when there’s a big snowstorm.
People usually pay right after you’re done with the work.
9. Makeup artist
If you enjoy using makeup and know all the latest beauty trends, being a makeup artist can be a fun way to earn money.
It’s a job where you can be creative and help people look their best for events like weddings or photo shoots.
As a makeup artist, you’ll work with different tools like brushes, sponges, and a palette of colors. Your job will be to apply makeup on clients’ faces. You could work with all sorts of people, from friends and family to clients in your area.
10. House sitting
When you house sit, you’re taking care of someone else’s home while they’re away. This could be at a house near where you already live or maybe you fly to a fun vacation destination and watch their house there.
It’s your job to make sure everything stays safe and clean and that nothing happens to the home (such as a frozen water pipe bursts).
You might need to pick up the mail, water plants, or feed pets. Sometimes, people will ask you to stay overnight to make sure the house does not stay empty.
11. Sell at farmers markets
If you’re looking to make some cash, you can start selling at a local farmers market.
Some things that you can sell include fresh produce, homemade goodies, jewelry, unique crafts, or even baking cakes are great items. You’ll want to make sure your product and booth stand out, as there will be a lot of booths around you.
Shoppers at farmers markets typically pay in cash, so you can get paid quickly!
Note: To sell at a farmers market, you might need to get a permit. You can start by checking with your county health department and the United States Department of Agriculture (USDA) for rules. Every place has different laws, so it’s important to understand what applies to your situation.
12. Have a garage sale
Having a garage sale is a way to earn some extra cash, and you don’t need special skills to get started. Look around your home for things you no longer use or need, and these could be clothes, toys, books, or even bigger pieces like furniture.
Items sold at garage sales typically don’t sell for a ton of money, but it can be a great way to declutter while getting paid cash.
Weekends, especially Saturday mornings, are prime times for yard sales. Make sure to check your local weather forecast as a sunny day can lead to more foot traffic. Once you have your date, gather all the items you plan to sell.
Then, you’ll want to organize your items by category. For example, put all the kitchen items on one table and all the books on another. Price everything clearly – you might use colored stickers for pricing – to avoid confusion.
You can advertise your garage sale a few days before. You can do this by posting on social media (such as by sharing it in local Facebook groups), community bulletin boards, or local classified websites. Signs around your neighborhood can also help draw attention to your sale.
During the sale, you’ll want to have change ready for customers who pay with cash, and you’ll probably want to have a calculator handy if you’re not comfortable doing math in your head.
13. Tutoring
If you’re knowledgeable in a subject, tutoring can be a good job for you. This is a job where you help others, like kids or even adults, to understand things better.
As a tutor, you work one-on-one or with small groups to teach things like math, reading, specialty exams, or even foreign languages.
Harder subjects usually pay more than easier subjects, and you may be able to earn $25 or more per hour as a tutor. You may get paid after each tutoring session. Or, if you are a regular tutor for a person, it may be weekly or even monthly – it depends on the agreement that you have with the person you are tutoring.
14. Painter
As a painter, your job is to paint walls, buildings, and other surfaces.
Your job responsibilities may include preparing surfaces by cleaning and scraping, mixing paint to get the right color, and applying paint with brushes, rollers, or sprayers.
Back when we were selling our first house, we hired a solo painter to come in and paint all the walls. This is a job that you may be able to find as well.
15. Handyman
If you’re good with tools and fixing things around the house, you might think about working as a handyman.
This job involves fixing leaky faucets, patching holes in walls, or putting together furniture. People tend to need help with these small jobs and look for someone who can do them without too much fuss.
You can find handyman jobs on websites like Craigslist or by asking friends and family if they know anyone who needs help.
With the same house I mentioned in the previous section, we also hired a handyman to renovate our bathroom as well as do around 10 other smaller things around our house too. We actually found him through a family friend, and he did so much work for us. It was great!
16. Dance instructor
Being a dance instructor can be a fulfilling under the table job in some cases. You could work with students of all ages, teaching them how to dance or different dance styles.
Of course, you will want to make sure that you are a skilled dancer, as this is not a job that anyone can do.
So, do you have experience in styles like ballet, hip-hop, or salsa? Or something else?
You can start by giving classes in your community or looking for local studios in need of instructors.
17. Auto mechanic
Working as an auto mechanic could be a great under the table job for you, and there are always people who need work done on their cars.
You’ll typically charge less than if a person would be going to a car dealership or a car mechanic business. People would usually be looking to hire a cash-pay mechanic if they were wanting to save some money.
As a mechanic, you make sure cars are running smoothly. Your job might include changing oil, replacing brakes, and making sure the engine is in top shape. Of course, you need to know what you are doing, as people are trusting their expensive cars and their lives with the repairs and updates that you do.
Working like this usually means you have to find your own customers. Good places to start are local ads or online platforms like Craigslist (start by looking under the “gig” section).
18. Photographer
Becoming a photographer can be a fun way for you to earn money if you are good with photography.
As a photographer, you can decide to work as an independent contractor, which means you are your own boss. This might involve getting paid in cash or a check for your services.
The different types of photography you can get into include:
Portrait photography – You might take photos of people and families, capturing special moments. Families like to have memories of their loved ones, and they’re willing to pay you for this service.
Event photography – This includes taking photographs at events like weddings or birthday parties. People like to remember these big events and may hire you to make sure they have great photos to look back on.
Commercial photography – This is for businesses that need photos of their products, services, real estate, and more.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
19. Sell firewood
Selling firewood can be a way to make money, especially if you live in an area where wood is used for heating or camping. Homeowners in colder places are always buying wood for their wood burning fireplaces and stoves, so this can be a good way to make some extra money by selling truckloads of wood.
First, you need to get firewood. If you have trees on your land, you might be able to cut your own wood.
After you have wood to sell, think about how you will sell it. You can sell wood online on websites where people buy and sell things in your community. You can also have a place at your house where people come to buy wood from you.
If you don’t have trees of your own, look for jobs where you can gather wood. Some people will even pay you to take away old trees or wood piles they don’t want.
Note: I recommend that you always keep in mind to follow the rules about selling wood where you live. Some places have rules about moving firewood to stop bugs and diseases from spreading to other trees.
20. Junk hauler
Being a junk hauler might be a great fit for you if you don’t mind a bit of heavy lifting. People tend to hire junk haulers when they have big, heavy things that they want to get rid of after all.
As a junk hauler, you get to help people clear out unwanted items from their homes or businesses. These items could be anything from old furniture to broken appliances.
Your job will mostly involve picking up and removing junk. You’ll need to have a reliable vehicle, maybe a truck or a van, that can carry all the items. Sometimes, you’ll be recycling things or taking them to a landfill.
You can find junk hauling gigs on websites or by signing up with companies that look for contractors. These could be one-time jobs or regular work, perfect if you’re looking for a side hustle or even to grow your own junk removal business.
You’ll generally get paid after you complete a job and since it’s often under the table, payment is usually in cash. This means you get paid directly, with no checks or direct deposits.
We personally had to call a junk hauler when we had several pieces of rotten wood that we needed thrown away – it was several hundred pounds and extremely messy – not something that we wanted to mess with and we also wanted it gone right away. That same day, a junk hauler came by and took it for $125. We paid him cash and he took it to the dump for us. It was so convenient for us and good business for him.
21. Rent out a spare room
If you have an empty room at your place, you might want to think about renting it out. This can be a good way to make some money on the side without a lot of work.
I have had several roommates over the years. We would rent out our spare room to long-term renters and people that we personally knew (such as friends and my sister).
To find a roommate and make money from renting your place, you can tell people about it in different ways. You can share it on your own Facebook page, post an ad on websites like Craigslist, make a rental listing on Airbnb, and try other methods.
Frequently Asked Questions
When you’re looking into jobs that pay cash, also known as under the table jobs, you might have a lot of questions.
What are under the table jobs?
Under the table jobs are ways you can earn money that’s usually paid in cash and not recorded officially by an employer. This means no tax forms are involved and no taxes are taken out of your pay right away (but you should still pay them!).
Is under the table work legal?
Okay, this is a great question to ask. After all, this is a whole article on how to find under the table jobs. So, does that mean these types of jobs are legal?
Well, working under the table can be tricky when it comes to the law. Your employer might pay you in cash without giving you a contract. While it might seem straightforward, not reporting this cash income to the IRS is considered tax evasion. Earning cash itself isn’t illegal, but failing to report it on your taxes can lead to problems.
What are the positives of working for cash?
When you get paid under the table, you get to keep all the money you earn immediately. This kind of setup is nice for jobs like babysitting or doing yard work, and you don’t have to wait for a paycheck. But, remember, you still have to pay taxes! So, the main positive is that you are paid cash right away, instead of having to wait a couple of weeks.
What are possible risks of working under the table? Is it OK to get paid under the table? Can an employee get in trouble for working under the table?
Working under the table can be risky. If the IRS finds out you’re not reporting your income, both you and your employer could face penalties. Also, you won’t have official records of your income, which can make it tricky if you need to show how much you earn for things like loans or renting a place to live.
What jobs can be paid under the table?
You can find jobs like babysitting, pet sitting, house cleaning, or gardening that pay under the table. These jobs usually pay cash because they are informal and may not involve paperwork. There are many other jobs that I didn’t even get into in the list above, such as becoming a personal assistant (doing things like grocery shopping and setting up appointments), personal trainer, graphic designer (making logos and more), and so on.
How do I find under the table jobs? How can you find local jobs that pay in cash?
To find these jobs, you can start by asking friends or neighbors if they need help with anything. You can also look at community bulletin boards or online classifieds for local job opportunities.
How do I ask for payment under the table?
If you’re looking for cash payment for a job, be honest and up front with your employer. Tell them you prefer cash payment, but realize that it’s usually smaller gigs that will pay cash and not more regular job opportunities. Keep in mind, though, that all income should still be reported for tax purposes.
How can you find jobs that pay under the table on Craigslist?
On Craigslist, you can filter your job search by using keywords like “cash pay” or “under the table.”
Under the Table Jobs – Summary
I hope you enjoyed this article on how to find the best under the table jobs.
Getting paid cash right after you complete a job is nice – you don’t have to worry about waiting for a payment and you can pay your bills right away.
There are many ways to find under the table jobs, such as by asking people that you know or by looking at gig/job websites in your area.
Now, there are pros and cons to being paid under the table. Being paid under the table means you get cash quickly. However, there are risks like missing out on legal protections and benefits, and if not reported, it might lead to tax evasion consequences.
So, when working under the table, it’s important to keep track of how much money you make. After all, you’re responsible for your own records and taxes, even if you’re paid in cash.
So, you do still need to pay taxes on the income that you make.
When you work under the table, you’re often working part-time or full-time but without the usual job benefits. If you’re planning ahead, think about how these jobs might affect your career later on. Eventually, it may be a good idea to find a job with more regular benefits where you pay taxes straight out of your income.
What do you think are the best under the table jobs?