Settling into Your New Home, Neighborhood and Life

So the movers have left you awash in a sea of boxes. What’s next?

Unpacking requires just as much thought as packing. Get started with these expert unpacking tips.

Then, when you’re feeling settled inside, make your move outside by putting down new roots in the community. Here are tips for quickly becoming part of the neighborhood. Hint: Most tips include actually leaving your home and talking to new people.

Make the first move

In some places, neighbors will deliver a casserole before the moving vans leave. Oh, wait: That was in 1954. These days, everyone’s working, shuttling kids, maybe taking care of elderly parents. We just don’t have the bandwidth to think about new people in the neighborhood. So don’t wait for neighbors to make the first move. Knock on doors and introduce yourself. Have a house warming and invite the block.

Be friendly

The more open you appear and act, the more likely you are to meet new people. Sip lemonade on your porch in the evening instead of binge watching Netflix inside your home. Say hi to folks who are walking their dogs or taking an after-dinner stroll. Have a ready question that will start them talking, like, “I’m new to the area. Where’s the best dry cleaners?” Or “is there a dog park nearby?” Any subject that lets neighbors know you’re a new kid on the block and looking to engage with them.

Shop local

The best way to feel part of a neighborhood is to go where other locals go. Scout out the popular markets, pharmacies, coffee bars, burger joints and bakeries. Stop at neighborhood bars after work and sit at the bar where you’re more likely to strike up a conversation. Introduce yourself and get to know proprietors and cashiers. It’s much nicer to enter a store and hear, “Hello, Sarah!” rather than, “Can I help you, ma’am?”

Join in

As soon as you unpack the last box, become a member of community and neighborhood groups, either in person or online. It’s a great way to meet people and become involved in issues that matter to the entire area. If your neighborhood has a listserv or social network, sign up. These online chat areas are great resources for everything from pediatricians to plumbers.

Join a house of worship

No matter what your spiritual path is, houses of worship aren’t only about God. They help build communities that care and support each other. You can establish a friendship network by attending services, suppers, lectures and charitable activities the group sponsors.

Volunteer anywhere

Volunteering warms your heart, helps others, and creates friendships. If you have school-age children, volunteering to help at school is a quick way to connect with other parents. Or pick a cause that you care about: work for a candidate, stock a food bank, read stories to school kids, even hold babies in hospitals. Each activity will give you purpose, provide a valuable service, and help meet people with similar interests and hearts.

And don’t forget to…

• Contact your college alumni groups and connect with former classmates in your new area.
• Visit local parks and rec centers to help you and your family meet new friends.
• Frequent your local library, where you’ll be surrounded by other readers.

Source: zillow.com

Stretch Your Money Further With This Unique Spending Freeze

You’ve likely heard of people who do a spending freeze for a month.

One month a year, they challenge themselves to only spend a certain amount on groceries, entertainment, and other non-fixed expenses.  This amount is usually well below the amount that they usually spend, and for many people, it’s a struggle.

I’ve done a spending freeze in the past, but not for several years now as my kids are much older and unexpected expenses for kids tend to pop up with surprising regularity.

I recently heard of a variation on the spending freeze that I’m excited to try.  I think this way of doing a spending freeze can have a real impact on my budget without affecting the rest of my family, especially the older kids, too much.

the one week spending fast

the one week spending fast

The One Week Spending Freeze

For one week a month, choose one particular category in your budget, and don’t spend any money in that category for the week.

Choose A Category And Cut The Spending

So, if you normally spend $150 a week on groceries, take one week and just don’t make a trip to the grocery store.  That means you’ll be digging deep into your pantry and freezer and eating what you already have.  You may have some interesting food combos; you may have to rely on frozen veggies and fruit instead of fresh, but it’s only seven days.  Unless you have a barren pantry and freezer, you’ll survive.  You’ll eat up less desirable food that normally gets overlooked, and you’ll save yourself $150.  Over the course of a year, if you do this every month, you’ll shave $1,800 off your grocery bill.

Perhaps the next week, pick a different category.  If you choose cleaning products and you take a week hiatus, maybe you clean with something you have around the house, or maybe you learn how to make your own cleaner thanks to YouTube and some basic cleaning supplies you already have like baking soda and vinegar.

Another category ripe for a one week freeze is the eating out budget. How much could you save if you and everyone in your family just said no to eating out and fast food for one week?

Take a look at entertainment.  Maybe you have a subscription to Hulu, Netflix, Amazon.  What if you just put those subscriptions on hold for one week?  Instead of paying for movies and television shows, try a new approach.  Rent DVDs from the library instead or only watch shows on the Internet that you can get for free.  Watch people on YouTube.  There are plenty of free viewing options.  This may be one category that, after going without for a week, you find is not so difficult to pause your online subscriptions for a month to save $20 to $40.

One Week Spending Freeze – Realistic And Less Painful

The nice thing about these one-week challenges is that they are completely doable.

You’re only fasting from spending in ONE category for ONE week.

Doing this for seven days requires a lot less will power than trying to do it for a month.  And because it’s so much easier, you’re much more likely to succeed and do these challenges more often.

You Decide How Challenging You Want The Month To Be

With the one week spending freeze you decide how challenging you want the month to be.

Maybe you’ll only have one spending freeze in one category for one week a month, or maybe you’ll choose one category a week to have a spending freeze every week.

The first week of the month you’ll have a cleaning products spending freeze, the second week a grocery spending freeze, the third week an eating out spending freeze, and the fourth week an entertainment spending freeze.  Either way you choose, you’ll be saving yourself money, and that can really add up over the course of a month.

Have you had a spending freeze?  If so, do you try to save money on all variable accounts, or do you try to choose one category as I’m suggesting here?  Have you had success with your spending freeze?

Source: biblemoneymatters.com

20 Things We Did to Pay off $78K of Student Loan Debt

This post may contain affiliate links. Please read my disclosure for more information.

My husband Travis and I paid off $78,000 of debt in less than two years.

We paid off $53,000 alone in ONE YEAR!

Today I’m sharing 20 ways you can change things up, save money, etc, for how to pay off student loans faster… and what I would change if I had a do-over.

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How to Pay off Student Loan Debt

Let’s start with some baseline facts. Throughout our debt payoff, our combined income was roughly $88K meaning we lived off $35K and put 60% of our income towards loans.

While we put $53K toward debt the first year we only put $25 toward it the second. That’s because we also bought a house around six months before we became debt-free. It’s not the order I’d recommend doing things but we were forced out of our rental and decided we’d rather put off our debt-free scream a few months than wait another year to buy.

Now for the hard truth: It was really easy signing for these loans but it was not easy paying them off.

Over $12,000 of my personal income alone was from side jobs and I (no lie) contracted shingles early on in the process from how stressed I was about the task at hand.

What’s also true, aside from the discipline it took to turn down trips to Disney and dinners out, is that I had a great year. I had fun, went out, and we even took a vacation. Even though sometimes I felt deprived in the moment, looking back I wasn’t deprived at all. Every “no” made me a stronger person.

There are countless stories on the Internet about how people paid off massive amounts of debt in short amounts of time and they mostly say the same thing. So I wanted to give you something a little different and tell you what I think are the 20 most important things we did to tackle this big problem as quickly as possible.

1. Determine Your “Why”

This is the first and most important step we took. We decided we want to travel and buy a home big enough to foster children (one of my side jobs was at a foster group home.) Every time it got hard I reminded myself of why we’re doing this and it influenced every financial decision I made. You’re gonna need this one to succeed.

2. Have Clarity

You can’t finish a race if the route’s not laid out. The next thing we did was take inventory of our debt, savings, income, recurring bills, etc. to have a clear picture of our financial situation. Some couples don’t combine their finances, for us it was necessary to be transparent with each other since his earned income would be paying off my loans and vice versa.

3. Make a Budget

You’re gonna need a specialized budget. It’s 100% necessary to have a written budget before every month begins. We do ours in EveryDollar, it’s the easiest user interface I’ve worked with. We’ve never made a perfect budget, we’re always tweaking throughout the month but we always spend less than we bring in. We’re able to meet and exceed our loan payment every month because of the budget.

4. Change How You Shop

I traded Publix for Aldi, Target for Walmart, and the mall for Goodwill. Some changes were better than others (LOVE Aldi, hate Walmart) but it’s all for the sake of saving money.

While getting out of debt we committed to not paying full price for anything. I sit in my car or stand in line looking for coupons before I make a purchase. Here are some of the ways I save on full-priced items

  • Groupon and LivingSocial for deals on activities.
  • Shopping through Rakuten when making any purchases online will get you cash-back from virtually any retailer. (I never get a Groupon without getting Rakuten cash back!)
  • Use Blink to save on prescriptions.
  • EyeBuyDirect to save on prescription eyewear.
  • Energy saving methods like buying low-flow showerheads to reduce our utility bill or using wind power through Arcadia (it doesn’t save me money but it’s better for the environment!
  • Sites like Restaurant.com for dining deals.
  • ThredUp for nice secondhand clothing at steep discounts from retail.
  • I take advantage of free trials at gyms.
  • Apps like ibotta to save at grocery stores and other big box retailers.

5. Pick Up Extra Jobs

There are only so many things you can cut out of your life but there’s virtually no limit to the amount of money you can bring in. We started with hourly side jobs and since starting this blog I’ve had opportunities to freelance that have given me much more flexibility with my time.

You have to start somewhere and I am convinced bringing in extra income is the key to paying off large amounts of debt fast. If you can’t work any extra then negotiate a raise or find a higher paying job. This is that vital of a step.

I’ve laid out some 21 ways to make extra money and if you’re interested in blogging you can start here or check out my post about how to start and monetize a blog in any niche.

6. Drive Old Cars

We both drive Toyota Corollas and will drive them until we need something bigger. IMO, you don’t deserve a new car if you’re in debt, you don’t even deserve a nice used car. I don’t care how shiny it is.

You need something to get you back and forth from your 2 jobs and when you can pay cash for an upgrade then you deserve whatever you can afford.

7. Buy Used or Find Free

I don’t buy new clothes anymore and half of our furniture we got for free next to dumpsters and repainted. New doesn’t always mean better. We’ve saved a lot of money this year by not falling into that trap.

8. Meal Plan

I’m so passionate about this I wrote a book on it.

Meal planning is essential to saving money on food. I worked in restaurants during college and they did inventory every week and planned specials around it to minimize food waste and save money. So I do the same in my kitchen. I plan meals around what I have and the grocery budget has become the one section I never exceed because of it.

If you need help:

  • Making a simple DIY meal plan
  • Buying less and saving money at the grocery store
  • Preparing food once you plan it
  • And reducing the food waste in your house

Then check out my book Meal Planning on a Budget (It’s available on Amazon!)

If you’re bad at doing stuff like this or don’t have a lot of time, Cook Smarts is the meal planning I recommend. It’s the best value out there and I always say work smarter, not harder.

9. Celebrate Milestones!

Every time we pay off a loan or hit a milestone we have a little celebration. It’s usually dinner out (using Groupon or Restaurant.com) or a glass of whiskey and a movie on Netflix. If you have big loans that don’t have little milestones, make your own. $3K and $5K increments are a good start.

10. Sell Stuff

We didn’t have any big things to sell but we got a few nice appliances from our wedding so we sold the old stuff and made enough for gas for the month. We regularly sell clothes at Plato’s Closet and random stuff on OfferUp or Facebook Marketplace.

11. Find Cheap Housing

We own our house now but living in something small and cheap was clutch while we were paying off debt. You get smaller utility bills and have less room to buy “stuff” for. We live in a growing city in a pretty nice neighborhood and I’ve kept no secret that we paid $800 for a 1/1 in a duplex.

As the housing market rises so do rent prices so you have to get creative while looking. My husband went for runs in different neighborhoods and found it on one of those. It wasn’t listed. We also negotiated adding water & sewage into the rent.

12. Stop Eating Out Alone

We still eat out, even when we don’t have a gift card, but we stopped grabbing food out of laziness. I used to get tacos every Wednesday after work (not on Tuesday? Gasp.) and grits on Saturday before I went in.

For millennials, eating out is part of our culture, it unites us, but these taco and grits trips weren’t bringing me closer to anything but my fork. So now I only eat out if it’s with friends or my husband.

13. Visualize

We had a 4 ft paper thermometer on our wall (next to our thermostat, lol) that we fill in after we’ve made our loan payment for the month. I used to just watch numbers get smaller in all my accounts but with this corny visualization trick, It’s been fun to see that red bar go up and the white space above it get smaller and smaller.

I made a free printable debt thermometer for you here if you want to try it!

14. Give

Seems a little counter-intuitive doesn’t it? We could be making an extra $500 payment on our loan, shave a month or two off our total repayment. Only 67% of households give to charity & religious organizations.

It’s over half but Americans still get a D in social justice. It’s important to me to give what we can now so in the future giving more will be a natural progression.

15. Chill Out

Where all my Type A brothers and sisters at!? Let me hear you say “Ahhh. Omg. This is too much. I’m freaking out…” I used to live somewhere on that level.

It’s gotten a lot better since my Shingles outbreak (at the ripe age of 26) but I still have to remind myself to just go with the flow. Whatever happens, will happen and it’ll all work out in the end.

16. Unfollow Your Friends on Social Media

Confession: I unfollowed two of my best friends on Instagram and I didn’t tell them. I love them but they’re always traveling to cool places, eating great food, buying new stuff, and I just couldn’t handle it.

In no way has it affected our relationship (it’s probably improved it) and I can scroll a little safer now.

Also Read: Why Unfollowing my Friends Helped my Finances

17. No-Spend Challenges

I’ve done a few no-spend challenges and they’ve all taught me more about my spending habits. I still bought groceries and went out to eat but I didn’t buy any personal non-necessities. The beauty of a no-spend challenge is that it can look different for everyone and you’re guaranteed to save money for as long as you do it.

If you want to learn how to do a no-spend challenge that transforms your habits and causes you to spend more intentionally you can check out my other book on Amazon, The No-Spend Challenge Guide. (#shamelessplugs)

18. Check Your Bills

Whenever it’s time to renew or we see an ad for a good offer (on something we already pay for) we call to negotiate a better deal. It’s unfortunate that companies take advantage of their customers like they do but that’s how it is and it’s on us to keep our necessities affordable.

19. Ditch Cable

We never signed up so this one is a no-brainer. I don’t care how much you love sports or how many kids you need to keep occupied. There are cheaper, if not free, ways to do it than cable. Try Fire TV Stick or Roku to fill your cable sized void.

Our friend knows our budget is tight while paying off debt so she let us use her Netflix account for free. You never know, maybe one of your friends will do the same while you’re getting your finances together.  And football isn’t going anywhere.

20. Stop Investing

I wouldn’t stop for more than a year or two but it motivated us to go that much faster. I know we missed out on future compound interest but the fire it lit under us helped pay way less in interest.

And now we max out a 401k, two Roth IRA’s, and an HSA. Which is way more effective than just $50 or $100 a month toward these accounts.

If you want to pay off your loans fast, then pile on the money you would be investing to your loan. And remember it’s not forever.

You Can Pay off Student Loan Debt!

So what would I do differently? I would’ve chilled out a little more but that’s really it. I’m proud of how flexible we were able to be and still stay motivated to get the job done so quickly. But there are still things I missed out on that I wish I would’ve spent the money and done.

Whew! That’s a lot, right? Don’t expect to start all these at the same time. We worked up to doing all these things. Start with the first four and work your way down, you’ll be surprised at how naturally they all come over time.

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<img data-attachment-id="3993" data-permalink="https://www.modernfrugality.com/20-things-pay-off-53k-student-loan-debt/20-things-we-did-to-pay-off-78k-2/" data-orig-file="https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/06/20-things-we-did-to-pay-off-78k.jpg?fit=1000%2C1500&ssl=1" data-orig-size="1000,1500" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"" data-image-title="The tips and trick a couple used to pay off $53,000 in student loan debt in 1 year." data-image-description="

Are you tired of drowning in your student loan debt? Here are 20 tips and tricks one couple used to pay off $53,000 in student loans in 1 year. #payoffdebtquickly #Payingoffstudentloans #howtogetoutofdebtfast #studentloantips #payingoffstudentloans

” data-medium-file=”https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/06/20-things-we-did-to-pay-off-78k.jpg?fit=200%2C300&ssl=1″ data-large-file=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-1.jpg” loading=”lazy” data-pin-description=”Are you tired of drowning in your student loan debt? Here are 20 tips and tricks one couple used to pay off $53,000 in student loans in 1 year. #payoffdebtquickly #Payingoffstudentloans #howtogetoutofdebtfast #studentloantips #payingoffstudentloans” data-pin-title=”The tips and trick a couple used to pay off $53,000 in student loan debt in 1 year.” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-1.jpg” alt class=”wp-image-3993″ width=”265″ height=”398″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-6.jpg 1000w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/06/20-things-we-did-to-pay-off-78k.jpg?resize=200%2C300&ssl=1 200w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/06/20-things-we-did-to-pay-off-78k.jpg?resize=400%2C600&ssl=1 400w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/06/20-things-we-did-to-pay-off-78k.jpg?resize=768%2C1152&ssl=1 768w” sizes=”(max-width: 265px) 100vw, 265px”>

<img data-attachment-id="2438" data-permalink="https://www.modernfrugality.com/20-things-pay-off-53k-student-loan-debt/1-22/" data-orig-file="https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2017/01/1-1.png?fit=735%2C1102&ssl=1" data-orig-size="735,1102" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"" data-image-title="20 Tips to Help you Kick Your Student Loans to the Curb for Good" data-image-description="

Are you ready to pay off your student loans and be done with them? Here are 20 things a couple did to pay off their massive student loan debt in 2 years. #studentloantips #moneysavingtips #howtogetoutofdebt #gettingoutofdebt #howtogetoutofdebtfast

” data-medium-file=”https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2017/01/1-1.png?fit=200%2C300&ssl=1″ data-large-file=”https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2017/01/1-1.png?fit=400%2C600&ssl=1″ loading=”lazy” data-pin-description=”Are you tired of drowning in your student loan debt? Here are 20 tips and tricks one couple used to pay off $53,000 in student loans in 1 year. #payoffdebtquickly #Payingoffstudentloans #howtogetoutofdebtfast #studentloantips #payingoffstudentloans” data-pin-title=”The tips and trick a couple used to pay off $53,000 in student loan debt in 1 year.” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt.png” alt=”We paid off $78K of debt in 23 months by doing these things.” class=”wp-image-2438″ width=”238″ height=”357″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-1.png 400w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2017/01/1-1.png?resize=200%2C300&ssl=1 200w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2017/01/1-1.png?w=735&ssl=1 735w” sizes=”(max-width: 238px) 100vw, 238px” data-recalc-dims=”1″>

<img data-attachment-id="4245" data-permalink="https://www.modernfrugality.com/20-things-pay-off-53k-student-loan-debt/20-tips-to-help-you-kick-your-student-loans-to-the-curb-for-good/" data-orig-file="https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/20-tips-to-help-you-kick-your-student-loans-to-the-curb-for-good.jpg?fit=1000%2C1500&ssl=1" data-orig-size="1000,1500" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"" data-image-title="20 Tips to Help you Kick Your Student Loans to the Curb for Good" data-image-description="

Are you ready to pay off your student loans and be done with them? Here are 20 things a couple did to pay off their massive student loan debt in 2 years. #studentloantips #moneysavingtips #howtogetoutofdebt #gettingoutofdebt #howtogetoutofdebtfast

” data-medium-file=”https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/20-tips-to-help-you-kick-your-student-loans-to-the-curb-for-good.jpg?fit=200%2C300&ssl=1″ data-large-file=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-2.jpg” loading=”lazy” data-pin-description=”Are you tired of drowning in your student loan debt? Here are 20 tips and tricks one couple used to pay off $53,000 in student loans in 1 year. #payoffdebtquickly #Payingoffstudentloans #howtogetoutofdebtfast #studentloantips #payingoffstudentloans” data-pin-title=”The tips and trick a couple used to pay off $53,000 in student loan debt in 1 year.” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-2.jpg” alt class=”wp-image-4245″ width=”312″ height=”468″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-7.jpg 1000w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/20-tips-to-help-you-kick-your-student-loans-to-the-curb-for-good.jpg?resize=200%2C300&ssl=1 200w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/20-tips-to-help-you-kick-your-student-loans-to-the-curb-for-good.jpg?resize=400%2C600&ssl=1 400w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/20-tips-to-help-you-kick-your-student-loans-to-the-curb-for-good.jpg?resize=768%2C1152&ssl=1 768w” sizes=”(max-width: 312px) 100vw, 312px”>

<img data-attachment-id="4284" data-permalink="https://www.modernfrugality.com/how-to-find-what-you-value-to-make-smarter-spending-decisions/mf-the-secret-to-paying-off-debt-fast-78k-in-2-years/" data-orig-file="https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-The-Secret-to-Paying-off-Debt-Fast-78k-in-2-Years.jpg?fit=700%2C1350&ssl=1" data-orig-size="700,1350" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"" data-image-title="The Secret to Paying off Debt Fast!- $78k in 2 Years!" data-image-description="

Do you want to figure out how to FINALLY pay off your debt? Here is the secret to paying off debt fast. #payingoffdebtfast #payingoffdebtquickly #howtopayoffdebtfast #howtopayoffdebtquickly #studentloantips #moneytipsformillennials #moneyhacks #debthacks #gettingoutofdebt #howtogetoutofdebt #payingoffstudentloans, howtogetoutofdebtfast

” data-medium-file=”https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-The-Secret-to-Paying-off-Debt-Fast-78k-in-2-Years.jpg?fit=156%2C300&ssl=1″ data-large-file=”https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-The-Secret-to-Paying-off-Debt-Fast-78k-in-2-Years.jpg?fit=311%2C600&ssl=1″ loading=”lazy” data-pin-title=”The Secret to Paying off Debt Fast!- $78k in 2 Years!” data-pin-description=”Do you want to figure out how to FINALLY pay off your debt? Here is the secret to paying off debt fast. #payingoffdebtfast #payingoffdebtquickly #howtopayoffdebtfast #howtopayoffdebtquickly #studentloantips #moneytipsformillennials #moneyhacks #debthacks #gettingoutofdebt #howtogetoutofdebt #payingoffstudentloans, howtogetoutofdebtfast” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-3.jpg” alt class=”wp-image-4284″ width=”251″ height=”484″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/20-things-we-did-to-pay-off-78k-of-student-loan-debt-8.jpg 311w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-The-Secret-to-Paying-off-Debt-Fast-78k-in-2-Years.jpg?resize=156%2C300&ssl=1 156w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-The-Secret-to-Paying-off-Debt-Fast-78k-in-2-Years.jpg?w=700&ssl=1 700w” sizes=”(max-width: 251px) 100vw, 251px” data-recalc-dims=”1″>

Jen Smith is a personal finance expert, founder of Modern Frugality and co-host of the Frugal Friends Podcast. Her work has been featured in the Wall Street Journal, Lifehacker, Money Magazine, U.S. News and World Report, Business Insider, and more. She’s passionate about helping people gain control of their spending.

Source: modernfrugality.com

Everything We Know about Trevor Noah’s Apartment — the New Set of the Daily Show

As Trevor Noah returns to his late night post this week, with a new format filmed in the safety of his own couch, we’re grateful that he’s found a way to come back to our screens and keep us informed on what’s going on in the world.

After last week’s three episodes of what’s now called The Daily Social Distancing Show saw great ratings on TV, and each episode drew in more than 3 million YouTube views in the first 24 hours, Trevor Noah and his team will now adopt the new format for all of their upcoming shows.

This follows similar moves by late night show hosts Jimmy Kimmel, Stephen Colbert, or Jimmy Fallon, who have all started recording segments from their homes last. And we couldn’t be more grateful to have back the relief of our nightly humor sessions, with a double dose of staying informed.

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And as our favorite show hosts invite us into their own homes, we can’t help but want to see past what the camera is willing to show us. Luckily, in some cases, we can. Or at least in the case of Trevor Noah, whose Hell’s Kitchen apartment was heavily mediatized when he bought it back in 2017.

Three years ago, Trevor paid $10 million for a never-lived-in-before 3,596-square-foot penthouse in Hell’s Kitchen — which was initially listed for $12,995,000. It comes with 3 bedrooms, 3 full and 2 1/2 bathrooms, and a generous terrace with killer NYC skyline views.

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Trevor Noah’s apartment. Image credit: CityRealty

Now, past the sofa and bookshelf behind the sofa, both pictured on the show as Trevor’s current setup, we don’t know how the comedian decorated or partitioned the space. But since we covered the purchase when Trevor got the apartment, we can show you the listing photos that probably first attracted Trevor to the place, and give you a sense of what the new Daily Show ‘set’ looks like in real life.

Among the most attractive features in Trevor Noah’s apartment: an 29-foot-long open living room that connects to an eat-in kitchen (with polished concrete countertops and designer fixtures), 2 guest bedrooms with en-suite bathrooms; and a sun-flooded den with a soaring 14-foot ceiling. Better yet, look for yourself:

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Trevor Noah’s apartment. Image credit: CityRealty
trevor-noah-apartment-kitchen
Trevor Noah’s apartment. Image credit: CityRealty

Don’t miss: Take a Tour of Tom Brady’s Custom-Built Home in Brookline, Massachusetts

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Trevor Noah’s apartment. Image credit: CityRealty

Trevor’s building: the Stella Tower

Trevor Noah’s penthouse is located in the Stella Tower, a gorgeous building that combines the best of pre-war architecture with modern, stylish NYC living. Designed in 1927 by pre-eminent Art Deco architect Ralph Walker — who named it after his wife — Stella Tower was converted into condos in 2014 by JDS Development Group and Property Markets Group in partnership with Starwood Capital Group.

Stella Tower’s ornamentation, handcrafted brick facade, entryway, terrazzo lobby floor, and remarkable crown have been carefully restored to reflect the brilliance of Ralph Walker’s masterpieces.

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Trevor Noah’s apartment. Image credit: CityRealty

Now home to 51 upscale units, the pre-war building features a fitness center, a residents’ lounge with pantry and bar, and outdoor garden and lounge. Too bad those all sound like amenities Trevor won’t get to enjoy anytime soon.


More celebrity homes

Stephen Colbert’s House in New Jersey is the New Set of The Late Show
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Who Would Have Thought that Jason Statham is a House Flipper? Here’s One of His Latest Projects

Source: fancypantshomes.com

Modern Cabin Vibes in Upstate New York

After recently taking my first excursion to a snow-covered Lake Tahoe, I was reminded of how much I  love the look of a wintery cabin – when done well. Case in point, Scribner’s Lodge in the Catskills. Once a kitschy 1960’s motor inn, the space has been completely reimagined into a alpine-inspired cool kids hangout.

Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34

A modern cabin looks relies on the simplest of elements. Pine. Whitewashed walls. Strong injections of black. But there’s nothing overly complicated. Utilitarian comforts are all you need, but there’s also no need to sacrifice style.

Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34

While we probably can’t live this simply all the time, it’s such a relief – a breath of fresh mountain air- when we do for even a few days. As I make my way through the Marie Kondo show on Netflix, I’m going to being taking a good look at what is absolutely necessary to have around.

Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34Modern Cabin Vibes in Upstate New York on apartment 34

So while your inbox may be inundated by brands who want you to think spring has arrived two months early, I say escape to a cozy cabin while you can still can. I’m making my reservation right now.

For more design inspiration, CLICK HERE.

images via nicole franzen, colin king, remodelista, and north, the cuff

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Source: apartment34.com

Is Marie Kondo Killing Collecting?

How many of you are watching the new Marie Kondo show on Netflix? All of you? I suspected. Me too. And while I’m frantically trying to teach myself the Konmari folding method and I’m definitely motivated to purge every room in the house – I’m also curious, is all this minimizing going to kill the art of collecting?

Is Marie Kondo Killing Collecting? on apartment 34Is Marie Kondo Killing Collecting? on apartment 34

While I’m all for minimalism, there is something so compelling about a well curated collection. Now as a kid, I collected cows and anything in a sunflower motif. I’m thrilled I was able to let those collections go by the wayside a long time ago. But ceramics. Glassware. Vases. When artfully collected and displayed a mass of like objects can add such personality to a home.

While I fully agree we should consume less, buy less, what about pursuing personal passions? Sometimes blue glass just speaks to you and you need every piece you see.There’s also something to be said for simply indulging an irrational love. Be it vintage French porcelain. Or all things black. Charcoal drawings. Antique books. Whatever your vice might be, I would argue that there isn’t harm and actually amazing design value in hoarding with abandon. Ok, maybe not hoarding but you know what I mean.

So if you have a a type of objet that sparks joy no matter if you have one, or 1,000 I say keep going. Collect those things that make you smile every time you look at them – and be sure to share that love with everyone who walks in your house.

Is Marie Kondo Killing Collecting? on apartment 34Is Marie Kondo Killing Collecting? on apartment 34Is Marie Kondo Killing Collecting? on apartment 34Is Marie Kondo Killing Collecting? on apartment 34Is Marie Kondo Killing Collecting? on apartment 34Is Marie Kondo Killing Collecting? on apartment 34

For more examples of amazing collections, check out my Display & Storage Pinterest board HERE.

For more design ideas, CLICK HERE.

And I’m curious – do you collect and display things? If so, what??

images 1, 2, 4, 10 nicole franzen / 3 tess neustadt / 5 apt34 / 6 pinterest / 7 tumblr / 8 sfgirlbybay / 9 architectural digest / 11 pinterest

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Source: apartment34.com

Queen Frontman Adam Lambert Sells Hollywood Hills Home for $2.92 Million

Adam Lambert, American Idol alum and current lead singer for legendary rock band Queen, has long been looking to part ways with his Hollywood Hills digs.

The singer recently re-listed his three-bedroom, 3,049-square-foot home nestled above the Sunset Strip for $3.35 million, after a failed previous attempt at selling the contemporary home. The house was first listed for sale back in 2017 for $3.995 million, with different representation.

But it wasn’t until The Agency’s Emil Hartoonian and Nicholas Siegfried took charge of the listing that the right buyer came in sight and Adam Lambert’s house finally sold for $2.92 million.

Granted, that’s $430,000 less than Lambert was asking — and $75k shy of what he paid for the home six years ago — but it’s worth noting that the artist has long moved on (he bough a $6.5 million house in a neighboring area back in 2018). But that doesn’t mean we won’t take a moment to soak in his former home’s beauty, and bid it a proper farewell.

adam lambert's house in hollywood hills
Adam Lambert’s house in Hollywood Hills. Image credit: The Agency

From the outside, Lambert’s house oozes rock star coolness. The architecture of the Los Angeles home is reminiscent of Frank Lloyd Wright’s clean-cut lines and geometric details. Most of the living spaces inside offer views of the outdoor swimming pool, and light flows in through massive, floor-to-ceiling windows throughout the house. 

The 1947-built house looks fresh and modern, but it also has a timeless vibe. The main level houses a light-filled, spacious living room, perfect for entertaining guests, and it features a sliding glass wall connecting it to the outdoor pool area. 

inside adam lambert's house in hollywood hills
Adam Lambert’s house in Hollywood Hills. Image credit: The Agency

The lower level also houses a fab designer kitchen featuring a massive kitchen island, marble finishes, high-end appliances, and an intimate breakfast setting. The kitchen also offers views of the poolside area. 

adam lambert's house in hollywood hills
Adam Lambert’s house in Hollywood Hills. Image credit: The Agency
adam lambert's house in hollywood hills
Adam Lambert’s house in Hollywood Hills. Image credit: The Agency

Upstairs, the master bedroom offers stunning views of the city lights and the glamorous Hollywood Hills. The suite also incorporates a gorgeous walk-in closet, a master spa, as well as a private terrace overlooking the pool. 

Adam Lambert’s former home also includes an additional suite that comes with its own private entrance. This room could be used as a private studio, a home office, a gym or even a home theater. 

adam lambert's house in hollywood hills
Adam Lambert’s house in Hollywood Hills. Image credit: The Agency

The private gated estate is also perfect for entertaining guests or just relaxing after a long day. The poolside lounge area offers complete privacy, right in the heart of Los Angeles, incorporating comfy couches and offering views of the house and the Hollywood Hills. 

Adam Lambert’s house in Hollywood Hills. Image credit: The Agency

According to the Los Angeles Times, Lambert won’t be moving far, as he paid $6.5 million back in 2018 for a bigger home just a mile away, in Hollywood Hills West.

Adam Lambert first rose to fame in 2009 after finishing as runner-up on the eighth season of American Idol. Since then, he has sold over 3 million albums and 5 million singles worldwide, with his second studio album, Trespassing, released in 2012, premiering at number one on the U.S. Billboard 200 — making Lambert the first openly gay artist to top the charts. He followed that success with the release of his third album, The Original High, in 2015.

On top of his successful solo career, Lambert has been collaborating — and going on several worldwide tours — with legendary rock band Queen as lead vocalist for Queen + Adam Lambert. A recent Netflix documentary called The Show Must Go On: the Queen + Adam Lambert story chronicled how Adam Lambert took over from the legendary Freddie Mercury as the frontman for the rock group.

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Tour Dakota Johnson’s House in Hollywood, which She Calls ‘Her Anchor’
10 Major Celebrities — and Celebrity Couples — Who Call Beverly Hills Home

Source: fancypantshomes.com