Uncommon Knowledge
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The move was risky. And I don’t regret it one bit.
For all my decorating life, decades, I thought animal prints were for other people. Although I coveted the exotic look of a leopard-print throw or a tiger-striped rug, I lacked the courage to put one in my home.
That was then.
I now have two zebra-striped chairs in my living room. With the blessing of a designer I trust, I tapped the animal within. Now I wonder what took me so long.
My odyssey began a few months ago when I looked at my adjoining dining and living rooms and decided they looked tired. I wanted to update them, make them come alive, but I couldn’t afford to start over.
So, I called Christopher Grubb, a notable designer based in Los Angeles whom I’ve known for years, and asked for a consult. I would do all the legwork, if he could just tell me what to keep, get rid of, add and revamp. We agreed I would keep the traditional dining table, but replace the stodgy tapestry dining side chairs, which I’ve had for nearly 30 years, with more modern ones.
We would also keep the two dining room armchairs but reupholster them in a more contemporary fabric and move them into the living room. I’m loving this plan.
I gathered nine fabric swatches to test drive. I sent photos of all nine to Grubb. Then, before he could answer, I narrowed the selection down to six and sent him a picture of the finalists. Among the three fabrics I’d eliminated was a bold zebra print I grabbed on a whim but ruled out. (It’s for other people.)
“What happened to the zebra?” Grubb asked.
“Oh, it seemed a little, well, wild.”
Marni Jameson: To combine colors at home with confidence cue the color wheel
“It would look fantastic on those chairs,” he said. “And paint the wood glossy lacquer black.”
Designers take risks where the rest of us fear to tread.
My little heart turned a somersault. “Really?” That permission felt like the time my Dad let me drive our family’s red Dodge Charger by myself.
Next day, the tired tapestry armchairs along with seven yards of zebra fabric and I were exuberantly off to the upholsterer, who took one look at the project, raised his eyebrows and said: “That will be fun.”
When the chairs came back, I sent Grubb a photo.
“Dang! Those look great!”
I had to agree.
“You just created art chairs,” he said. “You turned them into not just useful pieces of furniture, but pieces of art.”
Many homeowners have furniture pieces that would look great flipped, he added, they just don’t see it. “They have heavy Mediterranean furniture that they are trying to bust out of to make their homes more contemporary, but don’t think the pieces belong going forward. Then we give it a twist. Maybe we paint a humdrum brown end table robin’s egg blue and turn it into a fun and functional accessory.”
If they’re worried they will “ruin” the piece, he says, “You don’t like it anymore as it is, so what’s to lose?”
“I’m a big fan of doing what you did,” said Dean Stills, co-owner of Stills Upholstery in Longwood. “I love to see people repurpose old furniture to make it fit their homes today by recovering it with more-modern fabric and changing the finish. It’s so much better than taking it to the curb.”
Grubb encourages anyone who wants to take a risk with their décor to go for it, but to bounce it off a designer first. “Most people know what they like, they just don’t know how to get there. We can help them add the wow factor.”
He encourages DIY decorators to work with designers like I did. “Do the legwork, then hire a designer to consult for an hour or two,” he said. “People don’t take risks, so we walk through room after room of beige and grey.”
None of us wants to be that person.
If you’d like to add some pizzazz to your home, here are some risky moves Grubb and Stills suggest you consider.
Marni Jameson is the author of seven books including the newly released Rightsize Today to Create Your Best Life Tomorrow, What to Do With Everything You Own to Leave the Legacy You Want, and Downsizing the Family Home. You may reach her at [email protected].
Source: orlandosentinel.com
As Indian summers invite us to stay indoors and enjoy our surroundings, homes become havens of warmth and holiday vibes. With the days getting longer and temperatures rising, it’s the perfect time to infuse your space with summer decor ideas. Whether you’re longing for a tropical getaway or a serene retreat, summer-inspired designs offer limitless opportunities to revitalise your home. Experiment with vibrant colour palettes and incorporate light, airy materials to capture the essence of the season. Whether you opt for subtle changes in one corner or a bold transformation of the entire room, embrace the spirit of summer and create a refreshing sanctuary within your home. (Also read: Summer interior design trends 2024: 7 tips for infusing coastal vibes into your home décor )
Interior Designer Punam Kalra Creative Director of I’m the Centre for Applied Arts shared with HT Lifestyle seven summer decor ideas that will make your home feel cool and fresh.
The brute of the summer sun calls for an escape—you can have that by creating your own bubble with singular, statement furniture pieces that tie the space together. Choose settees over sectional sofas, chandeliers over pendant lights, pedestal tables over side tables and closets over racks, to create a close-knit ball of comfort.
The home-bound times may take us away from nature—say otherwise by throwing hints of raw nature in the interior elements. Bring a tactile memory with rough cuts of the stones in the wall, veins of the live wood in the tables, grains of the ceramic in the accessories or a fresh whiff of organic dyes in the tapestries that reminisce the outdoor scenes.
The hushed, lighter tones can easily make the sun-bathed spaces look deserted—make them livelier with energized hues of neutral and pastel colours that keep up with the quietude of the season, without being overwhelming. Bring in a peach upholstered chaise, zest cocktail table, mint green console or an ice blue canvas to refresh the aesthetic with a mood unique to the colour.
The still summer air needs a space that it can breathe through—try stripping the space off the décor layers and keep things light. Get your hands on linen, cotton, chambray and more that are easy on everything from the upholstery to the drapery. You can keep things simple with solid sheer cotton or talk about exclusivity with dyed and block-printed patterns that are authentic and sustainable at the same time.
Handcrafted styles speak for the things that are both near and afar—something that is a local craft but seen only in a far-off summer retreat. Take a detour and bring them back to your space like a cocooning rattan armchair, basketed jute planters, caged bamboo pendants, looped hemp rugs and more that let you relive your holiday memories whilst cooling your space down with the restorative character of nature-based materials.
A regular home can be an ode to the vacation home when the elements make their way into the interior. While you can think big like setting up a cabana in your backyard—try to start small by adding a hammock to your deck or a patio furniture set to your porch. Recreate a nautical style statement with blue-white stripes in upholstery, shell studded embellishments in the tables or weather wood planks in the wall décor, to give something that you can indulge in, all day every day.
An indoor ambience gets fresh both by look and feel, when the greens are a part of it. You can sound exotic with tropical ferns and florals or keep things simple and practical with peace lilies, spider plants, and English ivies, among others. You can also house succulents like aloe vera, jade, cactus and more that stand the heat and come out as aesthetic greens, ideal for low-maintenance contemporary homes.
Source: hindustantimes.com
From the lush greenery of its forests to the towering peaks of the Cascade Range and the serene waters of the Puget Sound, Washington offers a plethora of scenic wonders to its residents. Home to bustling urban centers like Seattle and Tacoma, as well as charming smaller communities, Washington presents a spectrum of lifestyles to suit a variety of preferences. However, like any area, living in Washington comes with its own set of advantages and disadvantages. In this ApartmentGuide article, we will explore the pros and cons of living in Washington.
Population | 8,000,000 |
Avg. studio rent | $1,489 per month |
Avg. one-bedroom rent | $1,790 per month |
Avg. two-bedroom rent | $2,017 per month |
Most affordable cities to rent in Washington | Pullman, Yakima, Cheney |
Most walkable cities in Washington | Seattle, Tacoma, Lynnwood |
Washington is a food lovers’ paradise, with a diverse culinary scene that celebrates locally sourced ingredients and international flavors. From farm-to-table restaurants in the fertile valleys of eastern Washington to seafood markets along the Pacific coast, the state offers a tantalizing array of dining options to satisfy every palate. If you’re in the Seattle area, you’ll have to try the iconic Seattle Dog, a hot dog topped with cream cheese.
The state’s thriving economy has led to rapid population growth and soaring housing costs, particularly in urban areas. For example, the median home sale price in Seattle is $845,000 and the average rent for a one-bedroom apartment is $2,175. This affordability crisis can make it challenging for many residents moving to popular metros in Washington.
Washington boasts stunning landscapes, including lush forests like the Hoh Rain Forest, majestic mountains like Mt. Rainier, and picturesque coastlines. The state’s abundance of outdoor recreational opportunities, such as hiking, skiing, and kayaking, make it a paradise for nature enthusiasts.
Traffic congestion in larger cities of Washington, such as Seattle and Tacoma, can be a significant challenge for commuters, with congested highways and crowded streets leading to long commute times and frustration. For instance, Interstate 5, which runs through Seattle, is notorious for its heavy traffic during peak hours, causing delays for drivers traveling to and from the city center. Additionally, major thoroughfares like Interstate 405 and State Route 520 often experience congestion, particularly during rush hour, impacting the efficiency of transportation networks in the region.
Washington’s commitment to environmental consciousness is exemplified by initiatives such as the Clean Energy Transformation Act, which aims to transition the state to 100% clean electricity by 2045, reducing reliance on fossil fuels and mitigating climate change impacts. Additionally, the state’s extensive network of public parks and protected wilderness areas, including Olympic National Park and Mount Rainier National Park, underscores its dedication to preserving natural habitats and biodiversity for future generations to enjoy.
Washington grapples with seasonal affective disorder (SAD) due to its long, gloomy winters especially in the western region characterized by overcast skies and limited sunlight. Residents often combat the effects of SAD by investing in light therapy devices, seeking out indoor activities, or even planning vacations to sunnier destinations during the winter months. Despite these coping strategies, the prevalence of SAD in western Washington can pose a significant challenge to residents’ mental health and overall well-being, detracting from the quality of life in the region.
Washington offers a vibrant cultural scene with a diverse range of entertainment events throughout the year. Seattle’s renowned music festivals like Bumbershoot and Capitol Hill Block Party draw crowds with live performances spanning various genres. Additionally, annual events such as the Washington State Fair in Puyallup showcase the state’s rich cultural heritage and provide entertainment for residents and visitors alike.
Washington faces natural disaster risks, particularly in seismically active areas such as the Cascadia Subduction Zone, where the potential for major earthquakes and tsunamis exists. Additionally, the state is home to active volcanoes like Mount Rainier and Mount St. Helens, which pose hazards such as volcanic eruptions and lahars.
Access to outdoor recreation in Washington is unparalleled, with the state offering a diverse array of natural landscapes and outdoor activities. From hiking in the Enchantments to kayaking around the San Juan Islands, residents have abundant opportunities to explore the great outdoors. Additionally, iconic destinations such as La Push and Mount Rainier National Park provide world-class hiking trails, camping spots, and scenic vistas, attracting outdoor enthusiasts from near and far.
High tourism in Washington can pose challenges for residents, leading to overcrowding, traffic congestion, and environmental degradation. For example, iconic attractions like Pike Place Market in Seattle and Mt. Rainier often experience large crowds of visitors, impacting local businesses and residents’ quality of life. Additionally, increased tourism can contribute to rising costs of living and housing prices in popular tourist destinations, making it more difficult for residents to afford housing and maintain a sense of community.
Washington’s islands offer residents a tranquil escape and unique coastal living experience. From the serene landscapes of the San Juan Islands to the rustic charm of Whidbey Island, these idyllic destinations provide opportunities for relaxation, outdoor recreation, and close-knit community living. Residents enjoy breathtaking views of the Puget Sound, abundant wildlife sightings, and a slower pace of life that embodies the essence of Pacific Northwest island living.
Parking in urban settings in Washington, such as Seattle, is often limited and expensive, with high demand for parking spaces and restricted street parking. Residents may face challenges finding parking near their homes or workplaces, leading to frustration and inconvenience. Additionally, the scarcity of parking options can result in longer commute times and increased reliance on alternative transportation methods, impacting residents’ overall mobility and quality of life.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
Source: apartmentguide.com
Pittsburgh holds a distinct place in the heart of America. Once the backbone of the nation’s steel industry, today it’s a center for technology, education, and healthcare. The city’s resilience and ability to reinvent itself are evident in Pittsburgh’s many thriving neighborhoods, cutting-edge universities, and well-supported arts scene.
Pittsburgh’s footprint, defined by the confluence of the Allegheny, Monongahela, and Ohio rivers, provides a scenic backdrop to a city that’s as friendly as it is hardworking.
Whether you’re a diehard sports fan, a classically trained artist, or simply someone looking for the perfect place in Pittsburgh, there’s no doubt that Steel City has something for everyone.
The Duquesne and Monongahela Inclines offer a unique way to view Pittsburgh’s picturesque skyline and its river confluences. These historic funicular railways provide not just a practical mode of transportation but also a step back in time. Riding the incline is a beloved tradition for many, especially during sunset. The top stations serve as gateways to the stunning houses in the Mount Washington neighborhood, where fine dining and quaint shops await.
The Pittsburgh Steelers, an NFL team with a nearly psychotically passionate fan base, are integral to the city’s identity. Known for their impressive six Super Bowl championships, the Steelers have a legacy of success and resilience. Game days transform the city into a sea of black and gold, as fans from all over the state gather to support their team. The camaraderie and spirit felt in the stadium or local bars during games underscore Pittsburgh’s community-oriented nature, making Steelers games an unforgettable experience for everyone lucky enough to be there.
The Andy Warhol Museum, dedicated to the Pittsburgh-born pop art icon, is a must-visit. As one of the most comprehensive single-artist museums in the world, it houses an extensive collection of Warhol’s artworks, including paintings, drawings, prints, and sculptures. The museum also offers a glimpse into Warhol’s life, showcasing his personal belongings and a vast archive of documents related to his career.
Pittsburgh has emerged as a nucleus for technology and innovation, drawing talent and investment from around the globe. The city’s transformation from steel to silicon is propelled by world-renowned institutions like Carnegie Mellon University and the University of Pittsburgh, which collaborate with tech giants and startups alike. This surprising tech scene has fostered developments in robotics, artificial intelligence, and health tech, contributing to Pittsburgh’s reputation as a city that looks to the future while still honoring its industrial roots.
The Carnegie Museums of Pittsburgh encompass a collection of four museums. Each offers a world-class experience in its field, from the extensive dinosaur exhibits at the Natural History Museum to the vast art collections at the Carnegie Museum of Art. These institutions reflect the city’s commitment to education and accessibility in the arts and sciences, providing enriching experiences for visitors of all ages.
A culinary icon of Pittsburgh, Primanti Bros. is a hearty creation that embodies the city’s no-nonsense attitude toward food. Originally designed to be a complete meal for truckers on the go, this sandwich stacks grilled meat, coleslaw, tomatoes, and French fries between two slices of Italian bread. Eating a Primanti Bros. sandwich is a rite of passage for visitors, offering a taste of Pittsburgh’s creativity and its history as a blue-collar town.
The confluence of the Allegheny, Monongahela, and Ohio Rivers is central to Pittsburgh’s identity and development. This strategic geographical feature has shaped the city’s history, from its early days as a frontier fort to its rise as an industrial powerhouse. Today, the rivers are a focal point for recreation, hosting activities like kayaking, fishing, and scenic riverboat tours. The Three Rivers also set the stage for the city’s many bridges, adding to Pittsburgh’s unique skyline and architectural beauty.
PNC Park is celebrated as one of the most beautiful baseball stadiums in the United States, offering stunning views of the Pittsburgh skyline. Home to the Pittsburgh Pirates, the park is known for its intimate setting, with the game’s action feeling closer than ever. The park’s design cleverly incorporates Pittsburgh’s history and architectural heritage. Visiting here is a home run for baseball fans and architecture aficionados alike.
Pittsburgh’s Cultural District is a testament to the city’s thriving arts scene, with an impressive amount of theaters, galleries, and performance spaces. This area buzzes with activity, hosting Broadway shows, ballet performances, jazz concerts, and much more.
The Pittsburgh Zoo & PPG Aquarium is home to over 4,000 animals representing 475 species, including many endangered, the zoo is committed to conservation and animal welfare. The unique combination of a zoo and aquarium in one location allows guests to explore the wonders of both land and sea with ease in a family-friendly setting.
Inside: Explore financial independence: Unveil why a debt-free life could be your path to riches, with practical strategies for lasting wealth without owing. Perfect for millennials or those new to managing money.
In an era where financial burdens weigh heavily on so many, adopting a lifestyle of debt-free living emerges as the modern epitome of wealth.
I’ve come to understand that true affluence isn’t just measured by the amount of dollars in your bank account, but by the freedom from the chains of debt. It’s not just about strict budgeting or cutting corners; it’s about the elevated sense of security and control that comes from owing nothing to anyone.
Encountering the peace of mind that accompanies a debt-free life has indeed propelled our financial well-being and moved us closer to our FI number.
But, the question for today, is being debt free the new rich, and the secret to true wealth. Let’s dig into that answer.
In the past, wealth was often measured by the accumulation of material possessions and the perceived status they conferred.
Today, however, there’s a growing recognition that true affluence lies in financial freedom. Redefining wealth to include the absence of debt reflects a holistic understanding of prosperity in today’s economy.
The question “Is being debt-free the new rich?” is more relevant than ever in a society enmeshed with credit and consumption.
Being debt-free signals a shift from traditional wealth, defined by material possessions, to a contemporary form of richness—one where financial stability and peace of mind take precedence.
Yes, being debt free will lead to increased wealth over time.
Many hinge their perceptions of wealth on income and assets without considering the crippling effects of debt. Being rich traditionally meant having substantial financial resources, but without considering debt, this view is incomplete.
Many individuals labor under misconceptions about living a debt-free life, believing it to be a goal that’s out of reach or mired in unrealistic sacrifices.
Let’s dispel these myths and highlight how a debt-free life is not only achievable but also a liberating choice that defies conventional financial norms.
Many people believe a credit card is essential for building credit and making daily purchases. However, if you are unable to repay that credit card bill at the end of the month, then you shouldn’t use one.
Credit cards are helpful especially if you benefit from the credit card rewards. Many millionaires used the cash envelope system to get where they are at.
The notion that college is unaffordable without borrowing is widespread, yet there are numerous alternatives to student loans for funding education.
Learn how to get paid to go to school with scholarships, grants, work-study programs, and attending community college first. These are all viable strategies to pursue higher education without incurring massive debt.
Car payments are often accepted as a normal part of finance management, but it’s a myth that you’ll always have one. This one still makes me cringe – car payments are not considered normal.
By saving up and purchasing a reliable used vehicle, many can avoid the cycle of car loans, and even if a loan is necessary, paying it off quickly can relieve you from years of ongoing payments.
Contrary to the belief that leveraging debt is how wealthy individuals build their empires, many successful people use debt strategically, if at all.
It’s possible to accumulate wealth through saving, investing wisely, and living within one’s means, all without relying on debt. Building wealth debt-free is slower but more stable and reduces the risks associated with borrowing.
Plus it increases the debt-to-income ratio.
Paying off debt utilizing strategies such as the debt snowball or avalanche method instead of waiting is crucial for several reasons.
Both approaches provide structured plans that create discipline, making it less overwhelming to tackle debt systematically. Paying off debts faster with these methods typically reduces the total interest paid over time, leading to significant savings.
Moreover, the quicker you become debt-free, the sooner you can redirect your income toward building wealth, saving for the future, or investing in opportunities. Finally, the psychological boost from witnessing debts disappear can be incredibly motivating, improving your financial confidence and relieving stress associated with high levels of debt.
Paying off debt can sometimes seem counterintuitive, especially if you’re making more on your money through investments or savings compared to the interest on your debt. While from a purely mathematical standpoint, it may make financial sense to keep the debt and grow your investments, the freedom from being debt-free transcends numbers.
However, the psychological benefits of not owing money—such as reduced stress, increased mental well-being, and the peace of mind that comes with financial security—often outweigh the potential financial gains from investing.
Debt can feel like a burden, and removing this can lead to a clearer mindset, freeing up mental energy and resources to focus on other aspects of life.
Overcoming “I am broke” mindset to achieve debt freedom often requires a substantial shift in both behavior and perspective.
It involves breaking the cycle of living paycheck to paycheck and resisting instant gratification by prioritizing financial goals over immediate desires. Replacing impulsive spending habits with disciplined budgeting and intentional saving can be a challenging, yet empowering transition.
This transformation not only demands goal-setting but also a deep understanding that possessions do not measure true wealth but by financial security and the freedom it brings.
Debt often acts as a chain that restricts monetary mobility.
Carrying debt means committing future earnings to past expenses, limiting the ability to invest in opportunities or save for unforeseen events.
True financial freedom can only be found when these chains are broken, unlocking the full potential to use your income to shape the life you desire. This is what you will learn here at Money Bliss.
Achieving a debt-free life involves setting clear, attainable goals, exercising self-restraint to avoid unnecessary expenditures, and creating a focused plan of action to eliminate existing debts.
By embracing contentment and understanding that happiness isn’t tied to material possessions, one can redirect funds towards paying off debts, paving the way for a life with greater financial independence and security.
Embarking on the journey to debt freedom begins with a clear assessment of your financial landscape. It’s essential to compile a comprehensive list of your debts, noting balances, interest rates, and minimum payments.
Armed with this information, constructing a tailored payoff plan becomes your blueprint to financial liberation. Taking this active step forward is where the climb back to solvency begins.
Social pressures and lifestyle inflation are formidable obstacles in the pursuit of debt freedom.
The urge to spend is often magnified by the fear of missing out (FOMO) and the desire to match others’ spending habits (aka Joneses). Overcoming these cultural norms is critical for individuals determined to maintain financial health and resist the lure of indebtedness.
Budgeting is the roadmap to tracking and controlling your spending while saving ensuring you’re prepared for the future. Consider it carving a path to financial freedom.
Earning more, whether through advancement in your current role or side hustles, accelerates debt repayment. Balancing these pillars is key – spend wisely, save diligently, and earn aggressively to break the chains of debt.
A growing number of individuals are embracing minimalism, finding richness in life’s experiences over the accumulation of goods.
This paradigm shift from materialism to non-materialism spotlights the value of simplicity and intentional living. It’s a conscious choice to prioritize quality over quantity, creating space for financial freedom and personal growth.
Once debt is cleared, saving and investing become the twin engines driving the journey toward sustainable wealth. This is the #1 overlooked thing I see too often.
The idea of investing in stocks is overwhelming to too many; thus, you are doing nothing with your money.
A savings account offers a cushion against life’s uncertainties, while investments can grow your wealth exponentially over time. By harnessing the power of compound interest and diversification, you’re not just avoiding financial pitfalls but actively building your monetary legacy.
Achieving debt freedom often requires sacrifices that can test your resolve in the short term. I can attest to this over and over. But, then I see progress on my journey and I’m grateful.
Whether it’s forgoing a luxury purchase, downsizing your living space, or choosing a staycation over a lavish holiday, these decisions contribute to a greater financial objective. Embracing necessary sacrifices paves the road to long-term gain and a richer future, free from financial constraints.
Living debt-free opens doors to financial opportunities previously blocked by loan repayments and high interest rates. You are focused on improving your liquid net worth.
This status can be leveraged for growth by increasing investments, acquiring assets, or starting a business without the drag of debt. It’s about transforming newfound liquidity into channels that foster wealth expansion and provide long-term financial security.
The tales of debt freedom resonate with hope and inspiration.
Imagine the relief of one less bill in the mailbox or the pride in finally owning your car outright. These personal anecdotes serve as powerful testaments to the life-altering impact of paying off debt.
Each story underscores a unique journey of dedication, strategy, and eventual liberation that changes lives fundamentally.
Debt freedom not only transforms individual lives but also sends ripples through families and across generations.
Free from financial burdens, parents can invest in better education for their children, save for their own retirement, and instill the value of living within one’s means. Creating a new family legacy.
Clearing up this confusion underscores the significance of being debt-free as a true indication of financial health and prosperity.
Embracing a debt-free life is not merely about financial stability—it’s about the profound sense of freedom and the joy that comes with it.
Being free from debt is your ticket to robust retirement savings, potentially leading to an earlier and more comfortable retirement.
The ultimate luxury lies in this liberty; the contentment from knowing you live within your means, free from the shackles of debt. Achieving this might require discipline, setting clear goals, and a commitment to self-restraint, but the payoff is unparalleled.
If this vision inspires you, why not start that journey to financial independence today? Each step, no matter how small, moves you closer to realizing your dreams without the weight of debt steering your course.
Now, the time is for you to become the next millionaire with no money.
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Source: moneybliss.org
The Summit Club is undoubtedly the epicenter of luxury living in Las Vegas.
Located just 15 minutes from the Strip, this exclusive neighborhood and golf community is spread across more than 600 acres of stunning desert landscape and features a Tom Fazio-designed golf course, unique wellness and recreation programs, and 260 luxurious residences.
Celine Dion sold a house here for $30 million last year, setting a new local real estate record and making a killer profit in the process.
The singer reportedly paid $9.2 million for her then-freshly-built Las Vegas manse back in 2017, heavily renovated the place in the years since, then tripled her initial investment by selling it in an off-market transaction for $30 million.
Actor Mark Wahlberg bought himself a $14.5 million bungalow in The Summit Club (which he has since sold) while waiting for his mansion to be built on a separate 2.5-acre lot in the same community, which he purchased for $15.6 million.
Now, a recently built property that landed on the market in mid-2023 just scored a nearly $20 million sale — and it’s as impressive as you’d expect.
The modern, minimalist abode at 11051 Witchcraft Court was designed and built by renowned luxury homebuilder, Blue Heron, and is nestled on a premium corner homesite with unparalleled views of the golf course, mountains, and the world-famous Las Vegas Strip.
“This architectural gem spans an impressive 9,827 square feet which includes the attached five-bedroom casita with private entrance,” said Lillie Shines of Coldwell Banker Premier Realty Global Luxury with whom the property was exclusively listed.
“We are ecstatic to confirm the sale of this remarkable property, which has truly set a new standard for luxury living in Las Vegas,” Shines adds.
“This sale marks a significant milestone in 2024, showcasing the enduring allure of premium properties within golf and lifestyle communities like The Summit Club.“
Originally listed at $23.5 million, the 2022-built luxury residence offers 9 bedrooms and 9 baths, and is lined with expansive pocket sliders to create an indoor-outdoor living experience.
“The sophisticated, single-story design of the main house features retractable glass walls which open to create a seamless indoor/outdoor living experience that beautifully incorporates the home’s captivating exteriors and natural surroundings,” Shines added.
The gourmet chef’s kitchen, equipped with top-of-line appliances, an oversized quartz island with waterfall edges, and custom white cabinetry, is the hub of the home and makes it easy to access all the other areas, including the flex room, secondary bedrooms, pool area, elevator to the deck, gym, or even the attached casita.
“The temperature-controlled wine wall is a centerpiece of the designer kitchen promising to elevate every celebration to new heights,” said Shines. “There’s also an elevator to easily serve your guests on the rooftop deck.”
The primary bedroom features a private sitting area with direct access to its own spa. The primary bathroom too comes with a luxury spa vibe, boasting an “outdoor oasis with dual showers”, per the listing.
Not to be outdone, the casita on the property stands as a private two-story retreat, complete with 5 bedrooms, 4 bathrooms, and a separate 2-car garage.
The first floor of the casita features a gathering room with a kitchen and a primary suite, while the second floor offers 4 bedrooms and 2 bathrooms.
Originally intended to be a multi-generational space, there are endless possibilities on how to maximize this unique area.
Heading outside, we find a resort-style backyard with not one, but TWO zero-edge pools, and plenty of outdoor amenities that add to its appeal. This includes a spa, an outdoor kitchen equipped with a pizza oven, and a bar.
And just in case the future owners need even more space for entertaining, they can take the party to the roof, where a stylish rooftop deck with a bar offers jaw-dropping views of the Las Vegas strip and city lights.
Listing agent Lillie Shines has witnessed the complete transformation of this property as she has been working with the home’s sellers since 2019 when they first selected this parcel of land at The Summit Club.
From its inception, Shines was integral in both the transaction and coordinating the design of the custom build as her sellers had to communicate with her from overseas while international travel was halted during the pandemic.
And we’re happy to see that her efforts were rewarded with a successful sale closed at the beginning of March. The final sale price was $19.7 million.
“The sale of 11051 Witchcraft Court underscores the timeless appeal of luxury properties that offer both opulence and functionality,” remarked Bob Hamrick, Chairman and CEO of Coldwell Banker Premier Realty.
“We are proud to have facilitated the transaction of such an extraordinary property, setting a new benchmark for excellence in Las Vegas real estate.”
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Source: fancypantshomes.com
The real estate landscape in the United States is on the brink of significant transformation following the National Association of Realtors’ (NAR) announcement of a sweeping nationwide settlement. The landmark $418 million agreement aims to dismantle long standing industry practices accused of artificially inflating agent commissions, potentially reshaping the way Americans buy and sell homes … [Read more…]
Our surroundings hold significant sway over our mood and well-being, often shaping our experiences more than we realize. The activities we engage in within these walls mold our emotional state, productivity, and overall perspective. So, if you find yourself feeling low without a clear cause, your home may be to blame.
No matter if you call Des Moines, IA, Boise, ID, or any place in between home, with spring on the horizon, there’s no better time to implement simple yet transformative changes within our living spaces. To help set the stage to boost happiness and cultivate a sense of fulfillment that extends beyond the confines of our homes, here are 20 ways to boost happiness at home this spring.
Incorporating elements of nature indoors is a simple yet rejuvenating method to revitalize your living space and elevate your mood. Beyond enhancing visual charm, this natural infusion instills a feeling of energy, rejuvenation, and joy, fostering a renewed sense of vitality within your home.
Spring is the best season for bringing fresh elements into your home, and according to florist Jill Mason of Portland-based plant shop Starflower Passion, blooming branches are her top recommendation. “I adore seasonal blooming branches like dogwood, forsythia, cherry, and quince, with quince being my favorite. Just five to 10 stems in your favorite vase can transform your space with modern simplicity. These branches last for weeks, offering lasting beauty. For another stunning option, consider tulips. With 10 to 30 stems, they bring drama and changing shapes that captivate.”
“Contact local flower farmers for 100% locally grown blooms; many offer fantastic subscriptions and CSA programs for a variety of stunning arrangements every week,” suggests Lynsea Coy, owner of Coy & Co., a sustainable florist in Portland, OR. “Avoid using floral foam or flowers treated with harmful chemicals like dyes, paints, bleaches, or preservatives, as they are detrimental to the environment and your health. The best way to keep your space alive is to pay tribute to the land you’re occupying by celebrating those that honor and steward it carefully and sustainably.”
“Group a few houseplants together in well-lit spaces of your home to create a lush green vibe,” says Hailey Dekle, owner of plant shop Cactus + Co. on Camano Island, WA. “For darker spaces, consider adding greenery that is tolerant of less light like snake plants, ZZ plants, pothos, and aglaonema varieties. We recommend adding at least one plant that blooms in the spring like an Easter cactus, jasmine, or hoya.”
Dekle goes on to share, “As your plants grow, you’ll be able to take cuttings to propagate and add more greenery throughout your space. Repurpose your empty baskets or containers and then check your local plant shop for planters, baskets, and macrame to style your plants.”
Marian Packer, owner of Packer Plant Company, a plant nursery in Klamath Falls, OR, offers insights for the ideal plant placements to enhance visual appeal within your home.
“Snake plants are extremely low-maintenance and look beautiful sitting in a corner in a basket,” shares Packer. “Pothos are a great choice for the top of a cabinet or shelf where the vines can drape down. A peperomia is a pet-safe plant for higher-traffic areas like side tables or entryways. Don’t be afraid to experiment with different varieties of plants until you find exactly what you like.”
For beginners, experimenting with different plants and learning their care needs gradually builds confidence and expertise in nurturing indoor greenery.
“If you’re new to house plants, varieties like philodendron or pothos are great starters, as they thrive with minimal attention and can enhance any room’s ambiance,” explains Cameron Perrin of Shop Pothos, offering house plants delivered to your door. “Plant stands offer a great way to showcase some natural beauty but we also recommend hanging planters or shelves to add a vertical dimension to your space. Incorporating house plants into your home or office does more than just enhance its aesthetic appeal; it also improves air quality, making your home feel fresher and more inviting.”
Infuse your space with vibrant energy and rejuvenation to create a more uplifting and inspiring atmosphere. Incorporating elements like bright colors, floral patterns, and natural accents can evoke feelings of joy and renewal, enhancing your overall sense of happiness and well-being within your home.
Ria Urs, Principal Lead Designer at Interiors By Ria, a luxury interior design firm in Addison, TX, emphasizes the importance of infusing your home with the freshness of the outdoors as spring approaches.
“A simple yet impactful tip is to incorporate greenery and floral arrangements that bring the vibrancy of spring indoors, instantly uplifting any room’s mood,” says Urs. “Swap out those heavy, dark textiles like changing thick, dark-colored winter drapes to sheer, light curtains that let in more sunlight, replacing heavy wool throw blankets with light cotton or linen options in pastel or vibrant spring hues, and switching out dark, dense area rugs with lighter, brighter, or even floral-patterned rugs to add a fresh pop of color and texture to your living spaces.”
Life coach Michele Attias discusses how spring presents an ideal moment for mindful rejuvenation of your living space. “Ask yourself, ‘How can I create more happiness in my home?’ Consider rearranging furniture in one room to embrace a fresh layout, pushing the boundaries of comfort and authenticity.
Attias also recommends delving deeper by asking, “‘What is my goal here, and what do I want to open up to in the spring season?’ Embrace the spirit of renewal by designating a wellness area in your home, adorned with plush cushions, a journal, framed inspirational quotes, and scented candles – your sanctuary to connect, meditate and reflect at the end of a busy day.”
“When refreshing your space, think about what’s going on outside and let that inform what you bring into your spaces,” Says Amanda Arcone, owner and designer at New England Home & Interiors. “For a nature-filled environment, maintain serenity by avoiding busy colors and patterns. In urban areas, opt for contemporary elements like glass, bold colors, and interesting lines and curves. In mountainous regions, complement the landscape with nature-inspired hues, such as blues, browns, and whites. Near water, blues, greens, and soft grays are all wonderful palettes. Pay attention to light direction and color preference, aiming to create a mood that fosters peace and joy in your home.”
Home staging company Gema Designs recommends the following blend of soft hues and natural textures for a sense of tranquility and freshness in your home, perfectly capturing the essence of spring.
“Paint colors such as ‘White Dove’ by Benjamin Moore for walls can instantly brighten a room, while accents in ‘Black Iron’ by Sherwin Williams add depth and contrast,” says Gema Designs. Adding touches of ‘Cottage Grove’ by Magnolia Paint introduces a subtle, earthy tone, complementing the natural beauty of wood finishes and indoor plants. This blend of soft hues and natural textures brings a sense of tranquility and freshness to your home, perfectly capturing the essence of spring.”
Heather Krout, interior stylist and decorator of Home with Heather advocates for the art of un-decorating.
“Falling into the common decorating mistake of overcrowding with numerous small items is easy, especially with beloved bunnies and tiny accessories,” says Krout. “However, the key lies in the art of un-decorating, where simplifying reigns supreme. As spring arrives, it’s the ideal time to clear away extra clutter and begin anew. Start by adding one larger scale item as a focal point, introducing a touch of greenery in a vase, and incorporating just one small accessory decor item.”
Bringing the essence of spring indoors is effortlessly achieved by infusing your décor with its vibrant colors, lively patterns, and delicate florals.
“I like to update my pillows with seasonal colors and patterns, often opting for nature-inspired hues like blues and greens, occasionally adding floral motifs for extra charm,” shares Cristina Lehman, founder and principal designer of C. Lehman Home. “I also enjoy incorporating fresh flowers or greenery from my backyard or the local grocery store to infuse the house with organic vibrancy and color.”
“Before it’s warm enough to start living an indoor-outdoor lifestyle, bring the spring air and light inside your home by giving your windows, screens, and window coverings a good cleaning,” advises principal and CEO Anne Michaelsen Yahn. “Enhance your indoor space with an indoor garden featuring a diverse selection of houseplants. Opt for at least three containers of varying sizes in coordinating colors, each filled with your favorite greenery selections.”
“Revitalize your space by thoroughly cleaning and decluttering, removing any items that are no longer essential. This will immediately create a brighter and more spacious atmosphere,” shares Francine Park, owner and designer at interior design studio in Seattle, WA, Freshen Design.
“Update your beddings, decorative pillow covers, curtains, and lampshades with lighter fabrics and colors to infuse the room with a fresh spring vibe. Consider adding a whimsical and colorful polyester area rug to add personality to the space. Bring the outdoors in by incorporating fresh flowers, and consider swapping out a large artwork for a statement moss wall art to embrace the season’s natural elements. Finally, add small Easter decorative items to further enhance the festive ambiance.”
Your home should be the space you can escape to amidst the hustle and bustle of daily life. By curating an environment tailored to promote emotional well-being, you invite moments of serenity and contentment into your home.
“Spring is the perfect time to create or refresh an area in your home dedicated to meditation, a calm down corner (for both grown-ups and kids), or a peaceful respite,” shares stress and anxiety coach Sandra Woznicki. “Even a quiet corner with a few cozy cushions, soft lighting, a small plant, and perhaps some soothing aromatherapy or inspiring artwork can serve as an inviting sanctuary. Cultivating such a space not only makes intentional relaxation more appealing but can also condition your nervous system to relax instinctively upon entering.”
Adding to this perspective, mindfulness coaches Jen and Katie, founders of Awareness of Mind, emphasize the importance of carving out time for meditation. “While many of us aspire to meditate regularly, the busyness of life often gets in the way. By designating a specific area in your home for meditation — whether it’s a corner or a dedicated spot on the sofa — you create a tangible invitation to practice mindfulness daily. Enhance the ambiance with inspirational quotes, calming sounds, and greenery to encourage moments of stillness and connection with your breath.”
“Sauca, a fundamental principle in yoga, emphasizes purity, cleanliness, and tidiness in both body and mind,” explains yoga instructor, Christine Chen. “By clearing clutter, eliminating toxins, and shedding bad habits, we pave the way for a healthier, clearer, and more awakened life. This principle extends beyond the self to our living spaces. By purifying our homes through decluttering and thorough cleaning, we create an environment conducive to spiritual practice. Recognizing and addressing habits that contribute to an untidy home can ultimately transform our living spaces to create a dedicated space for spiritual practice – it’s life-changing.”
“Often, our environment is a reflection of the state of our mind so ensuring that we are making time to simplify and create order in our space, we can positively impact our mental health,” states Onnie Michalsky, MA, LCPC Life Coach at Moms Without Capes.
“A cluttered room may contribute to feelings of stress, where we lack a sense of control and put our mind into overdrive. Start small by focusing on a single drawer or filling one small box with items to donate. As you make even the slightest progress, be sure to savor how it feels to let go of that which no longer serves you and know that you are engaging in self-care as you rid yourself of excess stuff, improving your home and your mind.”
“Clearing clutter from your home initiates a flow of energy, paving the way for new opportunities,” explains Shannon Shine, founder of Shine Time Studios and Wellness. “Take small steps each day to redirect energy to different areas, avoiding the pressure of an overnight transformation. Embrace the gradual renewal of spring by focusing on refreshing one corner at a time, allowing space for relaxation and a stress-free approach. Remember, the process may unfold continuously, symbolizing the evolving journey towards embracing your renewed self.”
Clearing out clutter and giving your home a deep clean not only creates a brighter, more spacious environment but also lifts your mood and energizes your space.
“The first step to revitalizing your wardrobe involves decluttering, which can feel daunting at times,” shares Lili Henry Stylist based in San Francisco, CA. “When assisting clients with wardrobe edits, I introduce three essential questions: Does it fit? If not, it goes. Is it worn out? If yes, it’s out. When was the last time you wore it? If over a year ago, it’s time to bid farewell. By the end of this process, we pinpoint missing pieces to avoid unnecessary purchases and conduct a color analysis to determine their best-suited hues, ensuring they shine in their wardrobe selections.”
“Begin by refreshing your entryway: replace heavy winter coats with lighter jackets, introduce a colorful doormat, and designate areas for sunglasses and umbrellas,” advises Heather Aiello, founder of The Organized You. “Taking on one zone at a time allows for a smooth and manageable shift, bringing the revitalizing essence of the season into your home.”
“Spring is the perfect time to overhaul your wardrobe but it can be tricky to know where to begin,” acknowledges Jennifer Jones Styling. “Begin by evaluating each item in your wardrobe, assessing how it aligns with your preferences, confidence level, color palette, body shape, and lifestyle. If any pieces fall short of these criteria, consider donating them or selling them to make room for items you truly love. Additionally, take into account the seasonality of each piece; if it’s not suitable for spring and summer, set it aside for future use. This approach ensures that revisiting your wardrobe feels like uncovering a fresh collection when the time is right.”
Kristi Brooks Pennington, a stylist based in San Diego, CA, and Los Angeles, CA, shares a clever closet decluttering tip. “Align all your hangers in the same direction. Each time you wear an item, rotate the hanger. If a hanger remains unchanged for 12 months, it’s a sign you’re not wearing that piece and it’s ready for donation.”
By incorporating these strategies to elevate our living spaces, from decluttering and simplifying to infusing nature and prioritizing wellness, we set the stage for a season of joy, contentment, and renewal. Here’s to a spring filled with happiness, harmony, and endless possibilities.
Source: apartmentguide.com
A dog owner has come up with an ingenious way to make an essential piece of dog care equipment blend into her home decor, and in half a day.
Anja recognized the necessity for a crate to give Cookie the Australian Labradoodle her own safe space. But the pet owner, who lives in Belgium with her husband and their dog, was dissatisfied with the crate’s appearance in her living room.
“I hated the ‘black cage’ in our living room, but Cookie really needs this as it is her own safe space to rest, ever since she was a puppy. So, my husband came up with the idea to cover it up,” she told Newsweek.
And with a bit of time and some DIY skills, the owners managed to upcycle the imposing item of dog equipment into a stylish piece of furniture.
Dog crates serve multiple purposes, giving dogs a secure environment for rest, training, and transportation. However, they have been subject to controversy, with critics raising concerns about prolonged confinement and potential misuse. Despite that, many dogs, like Cookie, find their crate to be a place of comfort.
Earlier this month a Shih-Poo called Cheddar melted hearts with the way he took himself back to his crate when he was done socializing.
Anja’s project involved using strips of birch plywood, attaching it to the edges of the crate, to give it a chic Scandi-style appearance alongside the couple’s couch.
“We don’t really know [the cost] actually since we used a lot of materials we already had,” Anja said, but she added that the entire transformation only took around 12 hours.
“It really blends in now; it doesn’t bother me anymore. And it’s a fun and not-so-difficult project to do yourself,” Anja said, encouraging others to give the dog crate DIY a try.
The couple aren’t the first owners to do custom DIY for their pet, like the Montana-based dog owner who made a custom tennis-ball catapult for his dog Olive to play fetch with. Some dogs have even been caught on camera helping out their humans with a bit of DIY.
Anja shared the project on her Instagram page @cookie_the_doodle_ where people have been left impressed with the idea.
“Looks so nice!” said one user. “Amazingly beautiful.”
While another viewer wrote: “Ooh it does match better in the interior.”
“Omg how did you do this?” said another. “Our crate is such an eye sore in our living room I would love to do that.”
Do you have impressive and inspiring DIY projects you’d like to share? We’re looking for the most creative and ingenious ones! Send them in to [email protected] and they could be featured on our site.
Newsweek is committed to challenging conventional wisdom and finding connections in the search for common ground.
Newsweek is committed to challenging conventional wisdom and finding connections in the search for common ground.
Source: newsweek.com
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:
Discover how to revamp your finances with a 30-day money cleanse that aligns your spending with joy and personal values.
How can you set a budget that aligns with your goals?
How can you optimize your spending to reduce waste?
NerdWallet’s Kim Palmer talks to Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse, to help you understand how small changes can make a significant impact on your financial health. They begin with a discussion of the financial cleanse, with tips and tricks on aligning spending with personal values, creating lasting habits in 30 days by using a method that has saved others an average of $950 over 30 days — without feeling deprived.
They also discuss money management tactics that include keeping a money journal, practicing visualization and having money parties. They discuss the benefits of recording feelings associated with each purchase, indulging in simple low-cost activities that bring happiness and aligning spending with personal values for a more satisfying approach to personal finance.
Check out this episode on your favorite podcast platform, including:
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This transcript was generated from podcast audio by an AI tool.
Sean Pyles:
Welcome to NerdWallet’s Smart Money Podcast. I’m Sean Pyles.
Kim Palmer:
And I’m Kim Palmer.
Sean Pyles:
On Smart Money, we’re all about answering your money questions big and small, ambitious and easy. This episode we’re taking on an especially ambitious question, how can you transform your finances in 30 days? And Kim is here in her role as the host of our regular book club series to guide you through this conversation. So Kim, who are you talking with?
Kim Palmer:
I’m speaking with Ashley Feinstein Gerstley, author of The 30-Day Money Cleanse, which is the focus of our conversation today. Feinstein Gerstley is also the founder of The Fiscal Femme, which offers online money courses, and she’s also a certified financial planner and a financial coach.
Sean Pyles:
Sounds great. Well, I will let you take things from here.
Kim Palmer:
Ashley, welcome to Smart Money.
Ashley Feinstein Gerstley:
Thank you. Thank you so much for having me.
Kim Palmer:
So Ashley, let’s start with what is a financial cleanse? Does it involve lemons and vinegar?
Ashley Feinstein Gerstley:
You’d think, right? You’d think that it would have some interesting food items as well, but it is about letting go of the things that don’t bring value to our lives and realigning and rethinking how we spend our money so it can be more conscious and intentional.
Kim Palmer:
What do you like about the financial cleanse concept? Because I think you’re right, we usually apply that to food. So what is it you like about applying that to money?
Ashley Feinstein Gerstley:
Originally when I created the program, it was actually created after a food cleanse in the same format because I think food and money are very similar. They are both emotionally charged. There’s so much more to them than just the numbers. And that’s what I was seeing over and over with clients is that sometimes we don’t have the education and we aren’t sure what we should be doing, but then even once we know what we should be doing, oftentimes we’re not doing it and that’s where our money mindset came in. And so The Money Cleanse definitely helps us shift that and put together that plan over the course of the 30 days.
Kim Palmer:
And what is it about 30 days? Why did you choose that versus a week or six months?
Ashley Feinstein Gerstley:
30 days gives us enough time where it’s that first week when we do something, we can feel really excited and have a lot of momentum. And then in maybe week two, week three is where it can get challenging and where we might end up giving up. And so I think a lot of the transformation in The Money Cleanse happens in those two and three weeks. And also there’s just a perfect amount of content to cover over the course of four weeks because we don’t want to take on too much. We all have a lot going on. We have jobs and social lives, but there’s a lot to cover. So if we are able to break that down into more bite-sized weekly chunks, I thought that was a really great format for The Money Cleanse. And even though it is called a cleanse, the idea is at the end you have a new lifestyle that lives on far long after the cleanse.
Kim Palmer:
We’re definitely going to get into all of those details in a minute, but first I wanted to ask you what you learned personally the first time you applied this to yourself. How did it go and what did you learn from it or change?
Ashley Feinstein Gerstley:
A lot of the concepts were concepts that I applied to my own life as I was learning and not in any given order, but what I found is that working with people across different goals and income levels, I was saying a lot of the same things over and over again and a lot of the lessons that I learned and provided me with a lot of transformation worked really well in this money cleanse format where we first focus on ourselves and then also on the environment around us. I think a lot of times we think of our own money lives, but so much of our lives are interacting with our family, our friends, our coworkers, and so how does that work with our finances as well?
Kim Palmer:
The numbers you share in the book I thought were pretty shocking. You say that according to your research, the average participant saved $950 over 30 days, and that is more than 20% of their pretax income on average. That’s amazing. Where are these savings coming from?
Ashley Feinstein Gerstley:
Honestly, a lot of it is just from intentionality. The coolest part about that stat to me, I was very thrilled always at the end of The Money Cleanse program. I ran it live for five years before turning it into a book, I would ask people at the end about their results and really understand what their income is and how that savings kept going. I think a large portion of that savings was happening month after month after The Money Cleanse, but I think the best part was that they mostly didn’t feel deprived and that it wasn’t like, “Oh, I’m staying home and eating canned beans every night in order to save that $950.” It was a lot of shifts and a lot of things that actually didn’t feel bad to them, which makes something that you’re able to keep going and keep consistent.
Kim Palmer:
Yeah, I think that goes back to what you were mentioning before in that you don’t want to just do this for 30 days, but it’s about setting up some new habits and some things that really stick with you.
Ashley Feinstein Gerstley:
Yes, exactly.
Kim Palmer:
So who would benefit most from doing a 30-day financial cleanse? Is there anyone who doesn’t need it, like Elon Musk?
Ashley Feinstein Gerstley:
Honestly, I’ve found that most of us will benefit from a money cleanse. I’d say the more you don’t want to do it, the more you probably will benefit. One of the exercises we do is keep a money journal, much like a food journal, where you just write down everything that you spend and earn. And I found that the people who dread doing that the most, have the most to gain from actually taking a look.
So I’d say I really think it’s something that most of us will benefit from regardless of our income, because what I found with working with clients across income ranges is you really can’t out earn it. We might think, “Oh, if I just make more money, I’ll finally start saving the way I’d like to.” And then you get the raise, get the promotion, this happened to me over and over again and next thing I know at the end of the month, I’m not saving a lot more than I was before. So I think we might imagine that doubling our salary or getting the raise will actually be the fix that we need, but then somehow our expenses tend to creep up, and that’s where The Money Cleanse can come in.
Kim Palmer:
I know like you said, it varies based on each person, but are there some common things you notice people cutting back on to find those savings? For example, for me, I know when I really focus on it and I short term stop myself from spending, it’s all about those recurring purchases on Amazon, for example, that are so easy to buy quickly. Are there some examples of expenses that people did find relatively easy to cut and really stick with it?
Ashley Feinstein Gerstley:
I would say some common offenders, definitely technology has made it so much easier to spend money and that just keeps getting easier and easier. So I would say Lyfts and Ubers were a shocker to a lot of people. Takeout. UberEats now is one that people complain about a lot. Any daily habits, if you’re grabbing lunch every day with your coworkers or a snack or smoothies. And also just the grocery store in general, which with prices where they are, it’s really hard to decrease spending there, but it is something you can strategize with and try.
Kim Palmer:
Yes, what you’re saying makes a lot of sense. Let’s get into the nitty-gritty a little bit for someone who really wants to try this and get started. When you talk about beginning your 30-day money cleanse, you suggest signing an agreement with yourself and you are acknowledging it’ll be hard, but you’re going to make it a priority. Can you explain why that can help?
Ashley Feinstein Gerstley:
I think often when we start something, and I mentioned this earlier, we can have a lot of energy around it, be excited around it, but I find just going through and thinking through what this commitment actually is, how much time I want to dedicate to it, it’s just a different level of commitment and promise to ourselves. And so along the way, any way that I can, have people feel more accountable or more dedicated to their money cleanse, I want to do it.
The other thing which you’ll notice throughout the book is that over and over again, I am allowing people to make mistakes, to forget to keep their money journal, to feel like they’re completely fallen off the wagon because that’s what happens to all of us. And I’ve noticed that we tend to want to do The Money Cleanse when it’s a week where we have no plans and we’re not going to be spending a lot of money, but it’s actually really great to do it when your life looks typical. Maybe it could be during the holidays when it’s extra challenging or you have a lot of plans with your friends, because that forces us to create a cleanse that works with our life as it actually is, not this time where you can just stay home and cook dinner every night.
Kim Palmer:
You also write about practicing visualization and how that can help people stay on track. How does that work? What does that look like exactly?
Ashley Feinstein Gerstley:
There’s some very cool research about how our mind works when we see things and believe that they are true and can visualize them. I also find a prompt that’s so helpful is to think about someone, let’s say if my goal is to save X number of dollars or to feel a lot more peace of mind with my money, I think there can be very objective goals, but then also more feelings based like, “This is how I want to feel and interact with my money” and thinking about, “Okay, if I were that person, what decisions would they be making?” It allows us to try it on and it also puts our brain to work making that reality happen and reconcile it.
Kim Palmer:
You have already mentioned money journals a few times. I want to understand that better. So what does your money journal look like? Does it help to have everything written out? Is it like any other journal?
Ashley Feinstein Gerstley:
I think the more challenging it sounds to you, the simpler I would recommend keeping it. So the simplest form is the item and the amount. And it can be if you are someone who loves writing things, I have the worst handwriting, but when I’m thinking or trying to brainstorm, I love writing by hand. So if you have a journal you’d like to keep it that way, definitely write it out by hand. But you can also keep it on notes in your phone and use an app. As long as you’re manually entering it in, that part is really important for registering the expense. You can get more fancy with it, more creative. If you want to take note of how you felt before an expense or how you felt after, that can also be really helpful. But I think at a minimum, just the item and the amount is great.
Kim Palmer:
Oh, okay. That’s so interesting. So you would write down every single thing that you spend. And then I like your add-ons as saying how it made you feel. I think I would go that route because I love keeping a detailed journal. So you can say how it made you feel and then does that help inform your future spending decisions?
Ashley Feinstein Gerstley:
I think it does because what happens is you reflect and realize on any expenses that do not feel good afterward, you might notice a common feeling beforehand. So something that happened with a bunch of people who’ve taken the money cleanse is they’ve noticed when they needed a break from work, they would leave the office and go on a walk. They needed that break. They were craving some kind of R&R after working really hard on something, but that might lead to a purchase that they didn’t feel great about. Maybe it was window shopping, then they ran in and bought something they didn’t even know they needed, but now they needed, or they used that time to grab lunch and they didn’t really even enjoy the $16 salad that they were getting. I think noticing how you’re feeling before, especially if how you’re feeling after is opposite or a feeling that you would like less of could be really beneficial and helpful information.
Kim Palmer:
One of my favorite tools that you talk about is focusing on frugal joys. And you include a list of things that sound so appealing, but they’re also free or very inexpensive, things like having a picnic, calling an old friend or taking a free online class. How can focusing on those frugal joys help?
Ashley Feinstein Gerstley:
I’m such a fan of frugal joys too, and while I list out a hundred of them, there really are limitless frugal joys. What actually brings us joy can be very different for each of us. So something that I love doing, someone else might say that sounds horrible. But that’s kind of the fun of it, is testing them out and see where we can add joy in our lives. They’re a great tool. If you want to trade out some joys that cost money for some free or inexpensive ones, that’s great for creating room in a budget. Or if you just want to add joy to your life, you can just start working in those frugal joys. Starting with just trying to find a couple a week I think is great, but if you can incorporate some frugal joys and focus on that joy and really relish in it, that’s a practice that is great for money and just life in general.
Kim Palmer:
You also talk about really thinking hard about your values and what’s important to you, the trade-offs that you are willing to make. For example, maybe you would give up buying that expensive coffee every day if it meant you could go on a big vacation at the end of the year instead. So how do you recommend thinking through your values and what trade-offs make sense for you?
Ashley Feinstein Gerstley:
This was something that really opened my eyes because I often thought of our spending as, “Oh, this is what people do.” I never thought of it as a real opportunity cost. Every time we spend a dollar, we are losing the opportunity to spend it in a different way or to save it. And so in a lot of cases, people are rearranging their spending. They’re not even changing a behavior in order to save. They can be changing a behavior in order to spend it in a different way that will actually bring them more joy.
It’s kind of a bummer at first to realize we can only use or spend our dollar one time, but then it’s also very liberating and creates a sense of intention with how we use our money. And I find that when we look at our spending, and this is something that I recommend doing in any budget, in The Money Cleanse, is looking at each expense in terms of how much you spend on it each year that can allow you to say, “Okay, if I brought my lunch to work, which can feel like a hassle, or sometimes people are going into the office less, maybe both times they go in bringing lunch instead of getting it out or doing it one time instead of doing takeout twice, how much does that save me per year? And is there anything else I’d rather do with the money?”
In The Money Cleanse, we think about the things that bring us the most joy that cost money, and we look at each of our expenses in terms of those things. So for me, especially when I started this money journey and was doing these exercises, I really thought I couldn’t afford to take a trip, but when I added up those daily habits, it was clear that I could if I made some changes, and that was really motivating to me. And it could also be money that you put towards a goal as well, not necessarily other spending. So I find it to be a really powerful exercise to decide what is worth it to us. And the cool part is that there’s no right or wrong answer. Something might be just worth it to you and you decide to keep it and it might not be, but now at least truly which item you want to be spending your money on.
Kim Palmer:
It’s so amazing how quickly those small expenses add up when you look at the whole year, like you said. I think that is such a powerful way to think about it.
Ashley Feinstein Gerstley:
It gives you the true number that you’re working with instead of, “Oh, this thing could never add up to that,” or “I can’t afford to do that.” And also thinking of it in terms of other things like it could be a monthly massage that just felt so out of reach but now feels, “Oh, if I just did this, I could get that.” Or the trip or savings or paying down a credit card, whatever it is.
Kim Palmer:
Let’s talk about how to stick with it after the 30 days. So say someone applied these tools and had a great 30 days and just wants to make sure to extend that. How can we keep it going?
Ashley Feinstein Gerstley:
My favorite financial habit is having money parties. Money parties are time we set aside every month or even every week depending on what you prefer to show our money some love. The main things that I’d recommend doing in your money party is definitely look at how your spending and earning looked for the last period. If it was a week, if it was a month, checking in on any goals, checking in on any guidelines from your money cleanse that you’re trying to continue to live by and what challenges came up. And if they did, instead of punishing ourselves, think “Interesting. What other strategies can I use to stick with them?” And I call them parties for a reason. I think we can make them fun and something that we look forward to.
I have a really fun money party playlist that I’m happy to share, but it’s basically songs that pump me up about money and I get in my PJ’s, I get a cup of tea and I reward myself after, then I’m done with my money party. So there are ways to make it a time that we look forward to and just to set up that calendar reminder so that it’s not something that we put off for months and months.
Kim Palmer:
Yes. I’m so glad you brought up the money parties. And let’s just explain to people what money parties are exactly, because it’s not necessarily… You’re not inviting a ton of people over, right? It can just be with yourself.
Ashley Feinstein Gerstley:
Yes. I would say most money parties are with yourself. If you have a long-term partner, if you’re part of a family, you can definitely bring them in on it. They don’t have to be there the whole time, but the more we’re on the same page with partners and families, the better. I’ve had people do them with friends as well, even digitally. I used to run digital money parties where we would do them all together online. But then you can go out with your friends after. You can go on a date night after. But generally it’s great to do them on your own as well.
Kim Palmer:
That sounds perfect. Well, thank you, Ashley. Any final thoughts to share to leave people with?
Ashley Feinstein Gerstley:
I think the overall thought I’d leave everyone with is that the whole idea of The Money Cleanse is that small shifts and small changes and little steps that feel manageable and accessible can make a huge difference and we can make big progress over time. So it doesn’t have to be hard. It can be fun and you can do it.
Kim Palmer:
Thank you. That is a great message to end on. Ashley Feinstein Gerstley, thank you so much for joining us today.
Ashley Feinstein Gerstley:
Thank you so much for having me and for this great conversation.
Kim Palmer:
That is all we have for this episode. To share your thoughts on talking about finances with your family, shoot us an email at [email protected].
Sean Pyles:
Visit nerdwallet.com/podcast for more info on this episode. And remember to subscribe, rate and review us wherever you’re getting this podcast.
Kim Palmer:
This episode was produced by Sean Pyles and myself. Tess Vigeland helped with the editing. Sara Brink mixed our audio. And a big thank you to the folks on the NerdWallet copy desk for all of their help.
Sean Pyles:
And here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.
Kim Palmer:
And with that said, until next time, turn to the Nerds.
Source: nerdwallet.com