Taking that much needed vacation while on a debt payoff journey may seem impossible, but it doesn’t have to be. By planning a vacation that suits your budget and keeps goals on track, you can transport yourself somewhere new and recharge.
It’s an approach Jasmine Gillians, a leave of absence specialist and YouTuber at the channel Jazzie RayShaune, is taking with her husband. On their second debt payoff journey, the Kansas City, Missouri-based couple is working on eliminating around $64,000 in remaining debt. Previously, they took the stricter path of staying home all the time and avoiding spending on extras. She sums it up as “miserable.”
“We both work full time and we want to be able to get a breath of fresh air, but we also wanted to be mindful that we still have debt to pay off,” she says. “We like to get out, we like to enjoy ourselves, but we just realized that we can still do that on a good budget.”
Time isn’t promised, especially when it comes to vacationing with elderly family members or if starting a new job that won’t accrue paid time off for a while. When deciding whether to travel, consider the emotional and monetary cost. Choose the option of no regrets that allows you to stay true to your debt payoff plan.
Review the budget
Revisit debit and credit card statements to know where money is going. Know your numbers, including income, expenses and debt, suggests Tiffany Grant, a North Carolina-based accredited financial counselor. Understand how much to contribute monthly to pay off debts by your deadline, and prevent setbacks by building an emergency fund.
Use this information to see if it’s also possible to start a vacation fund. If money is tight, consider whether focusing only on debt makes more sense.
“If you are not able to make your payments — and like not even the minimum payments — and you’re running in the negative every month, then you probably shouldn’t be traveling,” says Grant. “Or if you do, something that’s super low cost.”
Also consider if it’s possible to cut back in certain areas to accelerate savings. Instead of taking the strict approach from the previous debt payoff journey, Gillians found ways to trim expenses to allow for more flexibility with spending.
“Things like a date night may not be dinner and a movie, it may be movie night at home,” she says. “We were already the majority of the time working out at home, so we canceled our gym memberships.”
For added savings, Gillians says she also switched to cheaper providers for things like streaming services. With these adjustments, Gillians was able to plan a vacation to Destin, Florida, to celebrate her husband’s 50th birthday.
Make a plan
Brainstorm destinations and research potential costs for transportation, accommodations, activities, food and possibly foreign transaction fees. Also leave a cushion in that vacation budget for unforeseen expenses.
Consider these options to find savings:
Redeeming rewards. On a debt payoff journey, it’s not ideal to chase credit card rewards, but using those already earned may help defray the costs of a vacation. Rewards earned through a loyalty program may also chip away at costs. Gillians says she was able to save $40 on her trip with rewards earned through Vrbo.
Exploring free or low-cost activities at your destination. Think about ways to experience a destination on a budget. For instance, consider going on a free walking tour (many cities offer these), exploring a national park on a free day or taking in some culture with free museum admission. If your budget permits, you may also get the resort experience without the high price tag. Companies like ResortPass allow you to pay for use of a hotel’s spa, pool or gym for the day. If you’re with a large group, though, these costs can add up.
Cooking your meals. By buying groceries outside of populated tourist areas and making your own meals, whether at a hotel or vacation rental, you’ll save money versus eating at restaurants. If that’s not for you, build dining expenses into the vacation fund.
Being flexible with accommodations. Where you stay depends on your preferences and needs. Weigh a variety of options, including camp sites, hostels, vacation rentals that you can split with a group, and last-minute hotel deals. A “mystery” hotel deal through a service like Priceline or Hotwire can save on costs, but the key details of the hotel are secret until you book it. You’ll see only the price, number of stars, guest rating, limited photos, a general overview of the location and a list of amenities.
Compromising on transportation. Make travel more affordable by staying local or traveling during the off season. Websites like Going, Fare Deal Alert and The Flight Deal can alert you to cheap flights. In addition to the cost of flying or driving to your destination, factor in the price of transportation once you arrive. If it’s safe to take, public transit may provide lower costs than rideshares, taxis, rental cars or other options.
Also, consider other ways to save. “I save gift cards that I get for Christmas and birthdays,” says Gillians. For her upcoming trip, she says she used three airline gift cards to save $300 on flights.
Checking for discounts. You might qualify for discounts based on employment, a credit card or another option. If you have a AAA or warehouse club membership, for example, you may be eligible for discounts on rental cars, hotels, or tickets to sporting events and theme parks. Some credit cards also provide discounts when you use them to shop with specific merchants. If you can pay off the purchase in full and avoid derailing your debt payoff journey, this option could allow you to save on dining, hotels and more.
Have you ever wondered, “Should I move to Atlanta, GA?” From the historic streets of the Martin Luther King Jr. District to the modern vibes of the Midtown arts scene, Atlanta offers a diverse experience that’s hard to find anywhere else. Whether you’re indulging in the world-famous Georgia peach cobbler or getting lost in the vast greenery of the Atlanta BeltLine, this city has a way of enchanting its residents. In this article, we’ll dive into the pros and cons of living in Atlanta to help you figure out if this dynamic city is the right place for you. Let’s jump in.
Atlanta at a Glance
Walk Score: 48 | Bike Score: 42 | Transit Score: 44
Median Sale Price: $430,000 | Average Rent for 1-Bedroom Apartment: $1,850
Atlanta neighborhoods | Houses for rent in Atlanta | apartments for rent in Atlanta | Homes for sale in Atlanta
Pro: Thriving job market
Atlanta’s economy is booming, with a strong presence in sectors like logistics, film, and information technology. Companies like Coca-Cola, Home Depot, and Delta Air Lines offer ample employment opportunities. This diversity in industries makes Atlanta an attractive place for people looking to advance their careers. The city’s job market is a significant draw for those seeking stability and growth.
Con: Traffic congestion
One of the biggest challenges of living in Atlanta is dealing with traffic congestion. The city’s reliance on car transportation and its sprawling layout lead to heavy traffic during rush hours. Major highways like the I-285 and I-75/I-85 connector are often jam-packed, making commuting times longer than desired. This can be a daily frustration for some locals.
Pro: Rich cultural scene
Atlanta has an exciting cultural scene, with an array of museums, theaters, and music venues. The High Museum of Art and the Fox Theatre host a variety of exhibitions and performances year-round. The city’s history in the civil rights movement, explored at the National Center for Civil and Human Rights, adds depth to its cultural landscape. Atlanta’s diverse cultural offerings cater to a wide range of interests.
Con: Hot and humid summers
Summers in Atlanta can be extremely hot and humid, making outdoor activities uncomfortable during peak months. Temperatures often soar into the 90s, with high humidity levels adding to the discomfort. This climate can be a significant drawback for those who prefer milder weather or enjoy spending a lot of time outdoors during the summer.
Pro: Ample green spaces and parks
Despite its urban sprawl, Atlanta is home to numerous parks and green spaces. Piedmont Park, in the heart of Midtown, offers walking trails, sports facilities, and scenic views of the city skyline. The Atlanta BeltLine, a multi-use trail, connects neighborhoods with parks and markets. These green spaces provide residents with a much-needed escape from the urban environment.
Con: Pollen allergies
Spring in Atlanta brings a significant challenge for allergy sufferers: pollen. The city’s abundant greenery contributes to high pollen counts, affecting air quality and causing discomfort for many individuals. This can be a considerable drawback for people with severe allergies, impacting their daily life during peak seasons.
Pro: Great local sports scene
Atlanta is a sports enthusiast’s dream, home to professional teams like the Falcons (NFL), Braves (MLB), and Hawks (NBA). The city also hosts major sporting events, offering residents and visitors alike a chance to engage in the excitement. Additionally, recreational leagues and facilities for sports like soccer, tennis, and golf are abundant, providing ample opportunities for active lifestyles.
Con: Limited public transportation
While Atlanta has MARTA for public transportation, its reach is limited, making it challenging for those without cars to navigate the city efficiently. With a Transit Score of 44, the public transit system doesn’t cover all areas equally, forcing many residents to rely on cars. This limitation can be a significant inconvenience, especially for those seeking eco-friendly transportation options.
Pro: Thriving entertainment industry
Atlanta’s entertainment industry, particularly in film and television, has seen remarkable growth. The city has become a popular filming location, dubbed the “Hollywood of the South.” This boom has created jobs and brought a spotlight to the city, offering unique opportunities for locals to engage with film and television productions. Atlanta’s role in the entertainment industry adds to its dynamic and creative atmosphere.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Get ready: There’s a new home renovation show to binge.
While you might be used to seeing the Property Brothers and Gaineses on your TV, Amazon Prime Video’s latest reality TV show/docuseries, Going Home with Tyler Cameron, features former Bachelorette star Tyler Cameron (yes, that Tyler).
The eight-episode series, which all air on April 18, documents Tyler’s journey as he builds his construction and renovation company in his hometown of Jupiter, Florida, after losing his mother. Viewers will see him remodeling everything from his aunt and uncle’s multi-million dollar property to a short-term rental and his late mother’s home. And as you might have guessed, there will also be a few cameos in the mix; former Bachelor Nation stars Matt James, Rachael Kirkconnell and Jason Tartick. The real kicker? Hannah Brown, the bachelorette who turned down Tyler’s proposal, will also make an appearance.
Tyler recently sat down with Good Housekeeping to discuss how to make the renovation process go smoothly and where homeowners should splurge and save. Plus, he reveals some of the home design trends he’s loving right now.
Courtesy of Prime
Tyler Cameron gets a hand from former Bachelor Nation star, Jason Tartick.
Good Housekeeping: What surprises most people about renovating a home?
Tyler Cameron: A lot of our clients have a hard time when we’re ripping things out and tearing things apart. They don’t see how it’s all going to come together, so you really need a forward-thinking mind. You have to be able to see what’s not there. When we’re putting in those finishing touches, arranging all the furniture, that’s where the fun and the magic happens.
GH:Is there one tip to ensure the whole process goes smoothly?
TC:When you’re going to renovate your place, it’s best to live in it for a little while. Feel how you’re going to use the space, so you can really plan it out correctly. If you have a real plan, sticking to it will help protect your budget. It won’t make it as scary or dreadful.
Michael SeRine/Prime Video
Tyler Cameron’s construction and renovation company, Image One, is based in Jupiter, Florida.
GH:When it comes to a renovation, what spaces should one splurge and save on?
TC: Splurge on the spaces you’re going to spend the most time in. For me, it’s the primary bedroom and bathroom. But when it comes to a home’s resale value, people always say go with the bathrooms, kitchens and closets.
I’m also a big believer that if you’re going to live in this space for a long time, you need to build out a little quiet place — your own getaway. In my home, for instance, I opened up the back wall of a room, installed French doors and built a deck that’s going to have a sauna, a cold plunge and couches for lounging. We all need that place in our home to just take a breath, get away and recharge.
GH: Are there certain projects homeowners can consider tackling without the help of a professional?
TC: Find some type of wainscoting or paneling that can make a huge difference in a room and make it feel customized. It may take you a few times to figure out the 45-degree cuts, but you start moving pretty fast once you do. You don’t really need to hire a professional to do it and paint it. However, when it comes to moving electrical stuff or plumbing, hire a pro. You don’t want to wake up to flooding or anything like that. It’s not fun. I’ve been there, done that.
GH: What design trends are resonating with people right now?
TC:We’re getting past light colors and grays. People are going for darker, moodier shades. They’re going bold with color and taking chances, which is fun.
Inside: Learn how to save money quickly, even on a tight budget. Get practical tips for how to save money fast on a low income. Simple savings ideas to implement today.
Saving money on a tight budget can feel like a high mountain to conquer, especially when you’re trying to do it fast.
Many people earn just enough to cover their essential costs, leaving little room for savings. However, with the right strategies, saving money fast on a low income doesn’t have to be a pipe dream.
This is something I started when we decided to pay off debt. Then, we choose to continue saving that money and investing it.
By understanding the flow of your money – where it’s coming from and where it’s going – you can make informed decisions that maximize your savings potential.
By prioritizing your spending and forecasting future expenses, budgeting can reduce the stress of financial uncertainty and introduce a sense of control and confidence in your money management skills. Thus, leading to you starting to save.
What is the best way to save money on a low income?
On a low income, the best way to save money is to thoroughly understand your expenses and prioritize your needs over wants.
In addition, by planning and tracking your finances meticulously, you can identify where each penny is going. Thus, allowing you to analyze your expenses. Once you have a clear picture of these, start looking for areas to trim down.
Remember, saving money is about being proactive and consistent. These small but steady steps can build up over time to help you save money fast, even on a low income.
How to Save Money on A Fast Income
1. Start with Clear Priorities
Before you can decide where to cut costs or how to allocate your funds, you need to know what’s most important to you.
What is your why for doing what you need to do? Is it building an emergency fund, saving for a down payment on a home, or maybe preparing for retirement?
Whatever your goals, outline them clearly. This is how you will save money.
2. Budgeting effectively to manage finances
To budget effectively on a low income, it all starts with a cold, hard look at your numbers.
Begin by listing all sources of income – that’s your foundation.
From each paycheck or income stream, subtract your non-negotiable expenses such as rent, utilities, transportation, and debt payments. What you have left is your discretionary income.
Then, it’s time to categorize and prioritize. Group your expenses into necessities and nice-to-haves. If your essentials consume most of your income, you’ll need to scrutinize the nice-to-haves list.
Every dollar saved from unnecessary splurges is a dollar that can be put towards your savings.
Use budgeting apps or tools to keep a real-time record of your spending. These can help you stay disciplined and provide a visual reminder of your progress.
3. Track and Slash Unnecessary Expenses
Now, you must meticulously and ruthlessly cut out the non-essentials.
Identify patterns and spot the recurrent, unnecessary expenses that are draining your funds.
Do you subscribe to multiple streaming platforms?
Are you forking out cash for a gym membership you barely use?
Are those daily specialty coffee drinks adding up?
It’s time to slash these expenditures.
Cutting these expenses is like giving yourself a raise.
4. Lower Housing Expenses Without Compromising Comfort
Living in smaller, more affordable housing to decrease rent or mortgage might be exactly what you need.
Opting for a smaller, more affordable space is a practical approach to significantly lower your rent or mortgage payments. When you choose to live in a compact setting, not only do you reduce the square footage costs, but often, utility and maintenance expenses decrease as well due to the reduced size of the living area.
If you are renting, try to negotiate your rent or lease terms with your landlord – they might be willing to offer a discount to keep a reliable tenant, or you may be able to agree on lower rent for a longer lease commitment.
If you’re a homeowner, explore the possibility of refinancing your mortgage to take advantage of lower interest rates. Alternatively, consider renting out a room or a portion of your living space, as the additional income can offset your mortgage or maintenance costs.
5. Save Money on Utilities with Simple Home Adjustments
Saving money on utilities might sound challenging, but you can often achieve substantial savings with a few strategic home adjustments. Let’s explore some cost-effective strategies and modifications you can make to your living space that could help reduce your bills.
Energy Efficient Appliances: Swapping out older appliances for Energy Star-rated ones leads to significant reductions in electricity use and water consumption.
Smart Thermostats: Installing a smart thermostat allows you to programmatically control your heating and cooling based on your schedule and preferences, potentially saving you a bundle on your energy bills.
LED Lighting: Switch to LED bulbs, which are more energy-efficient than traditional incandescent ones and have a longer lifespan, saving you on replacement costs as well as your electric bill.
Insulation Upgrades: Proper insulation keeps your home warm in the winter and cool in the summer, reducing the need for excessive heating or air conditioning.
Water-Saving Fixtures: Low-flow showerheads and faucet aerators reduce water usage, preserving this precious resource and lowering your water bill.
Not only do these simple home adjustments lead to savings on your utility bills, but they also contribute to a more environmentally friendly lifestyle.
6. Cooking at home instead of eating out
Cooking at home instead of dining out is an excellent way to save money, especially on a low income. When you eat at a restaurant, you’re not just paying for the food; you’re also covering the cost of service, ambiance, and the establishment’s overhead.
Plan a balance between meal prepped home-cooked meals and the occasional dinner out to keep your budget in check while still enjoying life’s little pleasures. Here are some frugal meals to get you started.
Remember, you don’t have to eliminate eating out entirely.
7. Canceling unused subscriptions and memberships
Stop draining money on services you don’t actively use. It’s surprisingly easy to forget about these auto-renewing expenses, so taking the time to audit your subscriptions can reveal opportunities for savings.
Recently, we tracked over $100 a month in my mother-in-law’s unused subscriptions and membership!
As such, it’s important to periodically evaluate your subscriptions and memberships to ensure they are still serving your interests and goals. If not, give yourself permission to cancel and save that money for something that offers tangible benefits in return.
8. Buying quality items that last longer
Investing in quality items that last longer is a strategic way to save money over time. While the initial cost may be higher, durable products can prevent the cycle of frequent replacements, ultimately contributing to long-term savings and less waste.
Remember, not every purchase necessitates the highest quality option. Examine which items you frequently use and can benefit from in the long run. For instance, driving a Toyota or buying higher quality shoes.
Once you’ve identified these, invest in quality for those and enjoy the satisfaction of a purchase that lasts.
9. Optimize Grocery Shopping
To optimize grocery shopping and manage your food budget effectively, start by thoroughly checking your current pantry supplies and making a precise shopping list to deter impulse purchases.
Utilize coupons and enroll in local store loyalty programs for exclusive discounts.
Embrace meal planning to avoid unnecessary spending.
Consider incorporating meatless meals, as this can contribute to consistent savings over time due to the typically higher cost of meat compared to vegetables and other plant-based options.
Plan meals around these cheap foods when you are broke.
By shopping smartly, you have the power to drastically lower your monthly food bill. Just remember, the key is preparation and discipline.
10. Repairing items instead of replacing them
Repairing items instead of replacing them can be a significant money-saving tactic, especially when budgets are tight. It’s often more cost-effective to fix a piece of furniture, mend a garment, or troubleshoot an appliance than it is to buy new one.
Consider the condition and value of each item before deciding to repair it. If the cost of repair approaches the price of a new item, or if it’s beyond your skill set, researching community resources or seeking professional help may be a wise choice.
11. Practicing the 30-day rule for non-essential purchases
Putting the brakes on impulsive buying can significantly boost your savings, and practicing the 30-day rule is a tried-and-true method to control those urges.
Before you make any non-essential purchase, wait 30 days.
If after a month you still feel the purchase is necessary or meaningful, then consider buying it.
Remember that the goal isn’t to deny yourself enjoyment but to ensure that each purchase is considered and valued. This conscious approach can lead to more satisfaction with the items you do choose to buy and a healthier bank balance.
12. Skip the Car Loan
Opting out of a car loan and finding alternative modes of transportation, such as cycling, walking, or using public transportation, can lead to significant financial savings.
Without a car payment, individuals can redirect the funds that would have gone towards monthly installments, insurance, and maintenance into their savings account.
This strategy can be particularly impactful for those with a goal in mind or working with a low income, as every dollar saved moves them closer to financial stability. Furthermore, the elimination of auto loan interest charges and potential debt can provide a more secure financial footing and peace of mind.
13. Using public transportation or carpooling to reduce fuel costs
Utilizing public transportation or carpooling can be significant in reducing fuel costs, particularly when you’re committed to saving money on a low income. These alternatives to solo driving not only save on fuel but also on parking fees, and wear and tear on your vehicle.
Another option is embracing car-sharing services, especially if you find that you don’t require a car on a daily basis. Services like Turo and Getaround offer the flexibility of having a car when you need one without the constant financial responsibility associated with ownership.
Remember, it’s all about what suits your lifestyle and frequency of need. By assessing how often you need a vehicle and comparing it with the total costs of ownership, car-sharing could be an excellent way to save money.
14. Selling unused or unwanted items for extra cash
Selling unused or unwanted items is a fantastic way to declutter your space and earn extra cash. You might be surprised how much money you can make by letting go of things you no longer use or need. From clothes you’ve outgrown to homeware that’s gathering dust, each item sold can inch you closer to your savings goal.
Take advantage of this opportunity; a thorough home audit could reveal a treasure trove of sellable items right under your nose. Not only does this increase your income, but it also helps you consider future purchases more carefully.
15. Taking advantage of free entertainment and community events
Leveraging free entertainment and community events is a delightfully frugal way to enjoy yourself without breaking the bank. From concerts and exhibitions to workshops and meet-ups, there’s often a wealth of activities that won’t cost you a penny.
In fact, here at Money Bliss, I have the most popular list of things to do with no money.
With a little creativity and resourcefulness, you can uncover a variety of enjoyable and inexpensive things to do.
16. Automating savings to ensure consistent contributions
Automating your savings is a hassle-free way to ensure you consistently contribute to your financial goals.
By setting up an automatic transfer from your checking account to a savings account, you’re essentially paying your future self first.
This ‘set and forget’ approach helps grow your wealth with minimal effort.
17. Negotiating bills and asking for better rates
Many service providers are open to negotiating prices if it means retaining a customer. Whether it’s your cable package, insurance, or even a credit card interest rate, it’s worth having the conversation.
Remember, the worst they can say is no. But often, companies will offer helpful options when they realize you are considering alternatives due to cost concerns.
One phone call could save you $1000 a year – just like when I decreased my cable bill!
18. Evaluating insurance policies for potential savings
When evaluating insurance policies, it’s critical to regularly assess your coverage needs and shop around for the best rates. Comparing policies from different providers annually can reveal opportunities for lowering premiums or finding more suitable coverage.
Utilize online tools and independent insurance agents to ensure a comprehensive review of available options.
Remember to inquire about bundling policies, as this can often lead to significant savings while consolidating your insurance needs effectively.
19. Meal Planning and Prep: Strategies to Reduce Food Waste
By allocating some time each week to plan your meals, you can ensure that you only buy what you need, thereby minimizing waste and cost.
Learning to meal plan starts with looking at a calendar and a local sales flyer to find the low cost deals.
By creating a weekly plan and incorporating budget-friendly recipes, you can not only eat healthier but also avoid the costlier option of dining out.
20. Forgo single use items
By choosing reusable items over single-use ones, you cut down on waste and habitual spending on disposables. This is also known as frugal green.
For instance, investing in a reusable water bottle, rather than buying single use water bottles.
By integrating sustainable products into your life, you also promote a culture of conservation and mindfulness, inspiring others to make eco-friendly choices.
21. Shopping for groceries with a list to avoid impulse buys
This is key! Especially when shopping with kids or a significant other!
Shopping for groceries with a list is a golden rule to avoid impulse buys, which can quickly derail your budget. By planning your purchases beforehand, you stick to the essentials and resist the temptation of sale items that aren’t on your list or don’t fit your meal plan.
Bonus Tip: Remember to always shop on a full stomach – hitting the grocery store hungry is a surefire way to end up with impulse purchases that aren’t on your list!
22. Buying generic brands instead of name brands
Opting for generic brands rather than name brands is a straightforward and effective way to save money on everything from groceries to over-the-counter medications. These products are often of similar quality and effectiveness but come at a significantly lower cost.
By making the switch to generics, especially for regularly used items, the aggregate savings can be substantial over time.
23. Making bulk purchases for commonly used items to save on cost-per-unit
When you buy in larger quantities, the cost per unit typically decreases, leading to savings that add up over time. Bulk buying works best for non-perishable goods or products you use consistently.
Make a point of buying non-perishable items or products with a long shelf life in bulk to avoid waste and ensure that you truly save money with each bulk purchase.
Just make sure you are going to use it!
24. Cutting costs on personal care by DIY methods
DIY methods for personal care are not just a trend – they’re a practical and often healthier alternative to store-bought products. By creating your own beauty and personal care items, you can significantly trim costs and take control of what goes on and into your body.
Even if you’re not the crafty type, consider starting small with something like a DIY sugar scrub or homemade toothpaste. This is something I did over ten years ago. You might discover a new hobby that enhances both your well-being and your budget.
25. Regular maintenance of vehicles and appliances to prevent costly repairs
Keeping on top of maintenance schedules helps prevent major breakdowns that can lead to expensive repairs down the line.
By making regular maintenance a non-negotiable part of your routine, you protect your investments and save yourself from future financial headaches.
I keep a list in my digital to do list, so I never lose track.
26. Shopping at thrift stores, garage sales, or second-hand websites
Shopping at thrift stores, garage sales, or second-hand websites is an excellent way to acquire items at a fraction of the retail cost. Not only are you being financially savvy, but you’re also participating in the circular economy, reducing waste, and often supporting charitable causes.
Shopping second-hand first is not just about saving money—it’s a lifestyle choice. With patience and persistence, it’s amazing what quality items you can find without impacting your wallet heavily.
27. Learning basic sewing to repair clothes
Mastering the basics of sewing to mend your clothes is a skill that pays off in multiple ways. You save money by extending the life of your garments, reducing waste, and developing a practical capability that can come in handy in various situations.
Honestly, sewing a piece of clothes is a very simple thing. Something that must be learned by the younger generations.
Consider setting aside some time to learn sewing basics via online tutorials, community classes, or even from a friend or family member—it’s a practical step toward financial savings and sustainable living.
28. Utilizing coupons and discounts for shopping
Using coupons and discounts strategically can lead to significant savings on your shopping bills. With a little planning and some savvy shopping techniques, you can ensure you never pay full price for essentials and other purchases.
Remember to only use coupons for items you were already planning to purchase; otherwise, you’re not saving money, you’re just spending less on something extra.
29. Consolidating debt to reduce interest rates
Debt consolidation can be a strategic financial move to lower your overall interest rates and simplify your monthly payments. By combining your debts into one loan with a lower interest rate, you can streamline your bills and potentially save significant amounts of money over time.
Make sure to shop around for the best debt consolidation options and read the fine print. The goal is to find a consolidation plan that truly puts you on a faster track to being debt-free without any hidden costs.
30. Tackle High-Interest Debts First to Free Up More Cash
Addressing high-interest debts is paramount in optimizing your financial strategy. Such debts, often from credit cards or payday loans, can spiral out of control if not managed promptly due to their compound interest rates, which can quickly exceed the original amounts borrowed.
This is known as the debt avalanche.
By zeroing in on high-cost debts, you ensure your income is spent more effectively and not wasted on steep interest fees, accelerating your path to financial freedom.
31. Choose the Right High-Yield Savings Account for Your Emergency Fund
Selecting the right high-yield savings account for your emergency fund is an essential move for growing your savings. High-yield accounts offer interest rates significantly higher than standard accounts, ensuring your emergency fund doesn’t stagnate and keeps pace with inflation as much as possible.
This is one of the bank accounts you need.
32. Implement The Envelope System
The Envelope System is a budgeting method that involves physically dividing your cash into envelopes for different spending categories.
Utilizing the cash envelope system promotes disciplined spending by providing a tangible limit on various expense categories, ensuring you stay within your pre-determined budget and facilitating more intentional money management.
This method also offers immediate visual feedback on spending patterns, which can lead to better financial habits and incremental savings as any leftover cash from each envelope can be added directly to a savings fund, making the act of saving more rewarding and motivating.
33. Using cash -back envelopes to track spending
The use of cash-back envelopes takes the traditional envelope budgeting system a step further by rewarding yourself with savings.
Whenever you spend less than the allocated amount in a budget category, you place the cash difference into a “cash-back” envelope, which can be used for saving or investing.
Adopting the cash-back envelope strategy can provide a rewarding twist to budgeting, making it a fun challenge to spend less and save more.
Boost Your Income: Creative Side Hustles and Opportunities
Boosting your income can provide substantial financial relief, particularly when you’ve maximized your ability to cut costs and still find your expenses stretching your budget thin.
Generating extra income, be it through a side hustle or achieving a raise enhances your ability to save and invest.
With additional streams of revenue, you gain more financial flexibility to achieve goals like paying off debt faster, saving for a significant purchase, or building an emergency fund.
Finding a side hustle or part-time job for additional income
Exploring a side hustle or part-time job is a proven way to supplement your income. In today’s gig economy, there are numerous opportunities for flexible work that can be customized to fit your skills and schedule.
A side hustle can not only pad your wallet but also provide an outlet for creativity and passion, possibly even offering a new career trajectory down the line.
Explore Gig Work and Passive Income Streams
Exploring gig work and passive income streams can accelerate your savings efforts, especially when your regular income isn’t enough to reach your financial goals. These alternative income ideas often provide the flexibility to work on your terms and build up earnings over time.
These revenue channels provide a proactive approach to increasing your disposable income. Researching and choosing the best options for your skills and financial situation can help you build a sound extra income strategy.
Take Advantage of Bank Bonuses and Credit Card Bonuses
Banks often offer attractive incentives to new customers, and high-interest savings accounts can grow your deposits at a faster rate than traditional accounts. The same is true for credit card issuers offering big bonuses.
Taking time to research the best offers and account terms can net you a nice bonus and put your money to work earning more money.
Learn How to Invest Your Money
Learning how to invest your money is paramount to building wealth over time. While it can seem intimidating at first, understanding the basics of investing can enable you to take advantage of compounding interest and market growth to increase your savings exponentially.
Start small, stay disciplined, and continually educate yourself as you grow your investment portfolio. Over time, your investments can become a significant source of wealth and financial security.
Learn how to invest in stocks for beginners.
FAQs: Navigating the Path to Low-Income Savings Success
Saving money when your income barely covers your fixed expenses requires a strategic approach. Begin by scrutinizing your budget to cut any non-essential costs.
Look for ways to reduce your fixed monthly expenses, like negotiating bills or refinancing loans.
Every small change can contribute to your savings, so focus on making incremental adjustments that together can enhance your financial situation.
Even when funds are tight, saving money is possible by making small but impactful changes.
Prioritize reviewing your expenses and identifying areas to cut back, such as non-essential subscriptions or eating out.
Round up loose change or small amounts from your daily transactions into savings.
Seek free entertainment options and consider generating additional income through side hustles or selling items you no longer need.
Each penny saved is a step towards your financial cushion.
Setting Realistic Savings Goals and Celebrating Milestones
Setting realistic savings goals is a key to financial success, particularly when managing a low income.
Determine what you can feasibly save without overstretching your budget. Whether it’s $5 or $50 per week, every bit helps.
Celebrating your achievements, no matter how small, can inspire continued discipline and dedication towards your financial objectives.
Being realistic and flexible with your budget will help you manage your finances more efficiently, ensuring that you set aside money for future growth, even when funds are tight.
This is a great step towards habits of financially stable people!
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
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.
Set against the vast desert landscape of Arizona, the city of Mesa embodies the essence of Southwestern living. As the third-largest city in the state, Mesa boasts a unique blend of rich cultural heritage, outdoor adventure, and modern amenities. From its historic downtown district to the breathtaking vistas of the nearby Superstition Mountains, Mesa offers residents a lifestyle that seamlessly intertwines tradition with innovation. With over 300 days of sunshine each year it’s no wonder people find themselves asking, “Should I move to Mesa?” In this article, we’ll discuss the pros and cons of living in this city to help you decide if it’s the right place for you. Let’s get started.
Mesa at a Glance
Walk Score: 38 | Bike Score: 60 | Transit Score: 27
Median Sale Price: $458,500 | Average Rent for 1-Bedroom Apartment: $1,300
Mesa neighborhoods | Houses for rent in Mesa | apartments for rent in Mesa | Homes for sale in Mesa
Pro: Plenty of outdoor activities
Mesa is a paradise for those who love the outdoors. With its proximity to the Tonto National Forest and the Superstition Mountains, locals have easy access to hiking, mountain biking, and camping. The city’s parks, such as Red Mountain Park, offer ample green spaces for picnics, sports, and leisure activities. The Salt River provides opportunities for tubing and kayaking, making Mesa a great place for adventure seekers and nature lovers.
Con: Summer heat
One of the biggest challenges of living in Mesa is the intense summer heat, with temperatures often soaring above 100 degrees Fahrenheit. This extreme weather can limit outdoor activities during the hottest months, from June to September. Residents must rely heavily on air conditioning, leading to higher electricity bills. The heat also can also pose health risk for some individuals.
Pro: Exciting cultural attractions
Mesa boasts a vibrant cultural scene unique to the city. The Mesa Arts Center is a hub for arts and entertainment, offering theater productions, concerts, and art exhibitions. The Arizona Museum of Natural History and the i.d.e.a. Museum is a popular place to visit for those interested in science and creativity. These cultural institutions enrich the community, providing educational and leisure activities for all ages.
Con: Public transportation limitations
While Mesa offers some public transportation options, including buses and a light rail that connects to Phoenix, the system’s coverage is limited. With a Transit Score of 27, it can be challenging for those without a car to navigate the city efficiently. The reliance on personal vehicles contributes to traffic congestion and can be a barrier for residents seeking eco-friendly transportation options or those who prefer not to drive.
Pro: Economic growth
Mesa has been experiencing significant economic growth, attracting businesses and job seekers alike. The city’s strategic location in the Phoenix metropolitan area, coupled with a supportive business environment, has led to the development of key industries, including aerospace, healthcare, and technology. This growth provides locals with diverse employment opportunities and contributes to the local economy.
Con: Air quality concerns
Due to its location in the Valley of the Sun and the presence of industrial activities, Mesa sometimes faces air quality issues. Dust storms, known locally as “haboobs,” along with high ozone levels, can affect those with respiratory conditions. The city’s air quality can be a concern, particularly during the summer months when pollutants tend to accumulate.
Pro: Proximity to other cities
Mesa’s location in the Phoenix metropolitan area offers the advantage of being close to other cities, including Phoenix, Scottsdale, and Tempe. This proximity allows people to easily access the amenities, job opportunities, and entertainment options available in these neighboring cities. Whether for work or leisure, Mesa’s central location provides the best of both worlds—suburban comfort with urban convenience.
Con: Summer water usage restrictions
Due to the desert climate and the need for water conservation, Mesa sometimes implements water usage restrictions, especially during the hot summer months. These restrictions can affect activities such as watering lawns or filling swimming pools. While necessary for sustainability, these measures can be inconvenient for residents and require adjustments to daily routines.
Pro: Good biking infrastructure
With a Bike Score of 60, Mesa has a network of bike-friendly routes, trails, and amenities that make cycling a convenient mode of transportation and recreation for residents. For example, the Mesa Canal Path follows the historic Arizona Canal and provides cyclists with scenic views of the city. Additionally, Mesa features dedicated bike lanes and shared pathways along major roads and streets, enhancing safety and accessibility for cyclists.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Along the scenic shores of the Chesapeake Bay, Maryland offers a captivating blend of vibrant urban centers and picturesque landscapes. From the bustling streets of Baltimore, with its historic charm and lively cultural scene, to the quaint waterfront town of Annapolis, steeped in colonial heritage and nautical tradition, this state has a lot to offer its residents. However, living in Maryland comes with its challenges. In this ApartmentGuide article, we’ll dive into the pros and cons of living in Maryland giving you a clear picture of what to expect.
Renting in Maryland snapshot
1. Pro: Rich historical sites
Maryland has a wealth of rich historical sites that offer residents a fascinating glimpse into the past. From the colonial-era streets of Annapolis to the Civil War battlefields of Antietam, history buffs can immerse themselves in the state’s diverse heritage. These landmarks along with historical sites provide insight into Maryland’s significant role in shaping American history.
2. Con: High cost of living
Maryland’s high cost of living, especially in cities like Bethesda and Columbia, poses a challenge for many residents. Housing costs, including rent and property prices, are notably steep, making it difficult to afford adequate accommodation. In fact, the median sale price in Bethesda is $1,123,750 where rent for a one-bedroom apartment is $2,522. Additionally, expenses for everyday necessities such as groceries, healthcare, and transportation tend to be higher compared to national averages, impacting residents’ overall quality of life and financial well-being.
3. Pro: Access to quality education
Maryland offers residents access to quality education through its esteemed institutions and strong public school system. Universities like Johns Hopkins and the University of Maryland rank among the nation’s top academic institutions, providing students with world-class education and research opportunities.
4. Con: Traffic congestion
Maryland’s major urban centers, particularly the Baltimore-Washington metropolitan area, grapple with significant traffic congestion. Daily commutes are often plagued by long delays and gridlock on highways and major thoroughfares.
5. Pro: Outdoor recreation
From the sandy beaches of Ocean City to the rolling hills of the Appalachian Mountains in Western Maryland, the state’s varied terrain caters to outdoor enthusiasts of all kinds. Residents can explore scenic hiking trails in places like Patapsco Valley State Park, kayak along the tranquil waters of the Chesapeake Bay, or enjoy birdwatching in the marshes of Blackwater National Wildlife Refuge on the Eastern Shore.
6. Con: Weather variability
Maryland’s weather is characterized by variability, with residents experiencing a range of climatic conditions throughout the year. Winters can be cold and snowy, while summers are hot and humid, with occasional heatwaves. Additionally, the state is prone to severe weather events such as thunderstorms, hurricanes, and nor’easters, which can disrupt daily life and pose risks to property and safety.
7. Pro: Delicious seafood
Maryland’s proximity to the Chesapeake Bay and the Atlantic Ocean ensures a bounty of delicious seafood for residents to enjoy. The state is renowned for its blue crabs, prized for their sweet and succulent meat, which are a staple of Maryland cuisine. Residents can indulge in iconic dishes like crab cakes, steamed crabs, and Maryland crab soup at local seafood restaurants and crab shacks throughout the state.
8. Con: High pollen levels
Maryland’s diverse environment and seasonal changes contribute to high pollen levels, triggering allergies for many residents. Springtime brings pollen from trees like oak, maple, and birch, while summer and fall see increased pollen from grasses and weeds.
9. Pro: Proximity to major cities
Maryland’s strategic location along the East Coast provides residents with easy access to major cities like Washington D.C. and Philadelphia. Commuters can take advantage of commuter rail services like MARC and Amtrak to travel to urban centers for work or leisure. This proximity to major cities also offers cultural amenities, entertainment options, and job opportunities for Maryland residents.
10. Con: High humidity
Maryland’s humid subtropical climate brings high humidity levels, especially during the summer months, creating uncomfortable conditions for residents. Coastal areas like Annapolis and Ocean City experience muggy air and oppressive humidity, making outdoor activities challenging. The combination of heat and humidity can lead to discomfort, dehydration, and heat-related illnesses.
11. Pro: Sports culture
12. Con: Property taxes
Maryland’s high property taxes are largely influenced by the state’s higher housing costs, especially in affluent areas like Bethesda and Potomac. The demand for housing in these regions drives up property values, resulting in higher assessed values and subsequently higher property tax bills for homeowners. These additional costs should be considered when jumping from renting to homeownership.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
The “Big Apple,” New York City is home to world-famous attractions, like the Empire State Building, iconic brownstones and historic buildings, like Radio City Music Hall, five distinct boroughs, and plenty of hidden gems. It’s no wonder the city also has some of the most famous neighborhoods – and expensive ones at that.
If you’re looking to rent an apartment in New York, you’ll find that the average rent for a one-bedroom apartment is quite high. For example, the average rent for a one-bedroom apartment is nearly $4,770 a month.
But if you’re looking to experience New York from the lap of luxury, you may be wondering what the most expensive neighborhoods are. ApartmentGuide has gathered a list of the most expensive New York neighborhoods to rent an apartment in this year.
12 Expensive Neighborhoods in NYC
From the trendy Greenwich Village to the historic Brooklyn Heights, there are plenty of amazing New York neighborhoods to choose from. Whether you’re looking for a luxurious apartment or wondering where to rent an apartment, we’ve got you covered.
1. Greenwich Village 2. SoHo 3. Sutton Place 4. West Village 5. Midtown East 6. NoMad 7. Downtown Manhattan 8. Tribeca 9. Chelsea 10. Lincoln Square 11. Brooklyn Heights 12. Hell’s Kitchen
Let’s jump in and see what these neighborhoods have to offer.
1. Greenwich Village
Average 1-bedroom rent: $6,295 Apartments for rent in Greenwich Village
Greenwich Village is the most expensive neighborhood in New York, with the average rent for a one-bedroom unit is $6,295. Despite the price tag, there are plenty of reasons why this neighborhood draws residents. Greenwich Village is near attractions like Washington Square Park and the High Line, making it a prime location to explore the city. The area also has views of the cityscape, so apartment views can be stunning. If you’re looking for a taste of the neighborhood, there are a variety of local restaurants to explore, like Magnolia Bakery, John’s of Bleecker Street, and Cafe Cluny. There are plenty of subway stations in Greenwich Village, like West 4 St. – Washington Square, so it’s easy to check out the city.
2. SoHo
Average 1-bedroom rent: $5,900 Apartments for rent in SoHo
SoHo is a bustling area that’s south of Greenwich Village. This beautiful neighborhood is near lots of attractions, like the Leslie-Lohman Museum of Art and the Drawing Center. SoHo is well-known for its green spaces like Vesuvio Playground and the charming shops and cafes along Broadway. The average rent for one-bedroom apartments is $5,900, which is about $1,200 above the city’s average, making it a pricier neighborhood. However, SoHo’s charm and amenities may be worth it. SoHo is also one of the most expensive neighborhoods in New York to buy a home.
3. Sutton Place
Average 1-bedroom rent: $5,576 Apartments for rent in Sutton Place
With an average one-bedroom rent of $5,576, Sutton Place is the third most expensive neighborhood in New York. This neighborhood has plenty of historic homes in styles like Beaux-Arts and Art Deco, as well as properties with picturesque views of Roosevelt Island. Sutton Place is also near the FDR Drive, making it a convenient location for commuters. And if you’re looking for a relaxing afternoon, you can spend it at Sutton Place Park.
4. West Village
Average 1-bedroom rent: $5,525 Apartments for rent in West Village
The West Village is the next most expensive neighborhood in New York. This neighborhood is known for its central location near the Whitney Museum of American Art and Pier 51 at Hudson River Park. One of New York’s oldest neighborhoods, it’s no wonder that this is a popular area. West Village has a lot of shops and restaurants, like Dante West Village, Perry St., and Malaparte.
5. Midtown East
Average 1-bedroom rent: $5,506 Apartments for rent in Midtown East
Midtown East is a stellar neighborhood if you want to live close to iconic attractions. While more expensive, the perks of living in Midtown East may help offset the costs. For example, you can explore New York, as Midtown East is near several subway routes. You can also walk to attractions like the Chrysler Building, Grand Central Terminal, St. Patrick’s Cathedral, and 5th Avenue. The views in Midtown East are also gorgeous as you can see the cityscape and the Rockefeller Center.
6. NoMad
Average 1-bedroom rent: $5,400 Apartments for rent in NoMad
Next up is NoMad, the sixth most expensive neighborhood in New York. NoMad is full of history and charm with tree-lined streets, historic buildings, and museums. This area also has plenty of parks, restaurants, and attractions, so you’ll have lots to explore. Make sure to enjoy the outdoors at Madison Square Park or grab a meal at one of the neighborhood restaurants like Scarpetta or KazuNori: The Original Hand Roll Bar. It’s no wonder the monthly rents are above New York’s average in this NYC neighborhood.
7. Downtown Manhattan
Average 1-bedroom rent: $5,197 Apartments for rent in Downtown Manhattan
Downtown Manhattan is the next neighborhood on our list. This neighborhood encompasses plenty of smaller areas, including some of the most affordable neighborhoods in New York. From the Battery and Washington Square Park to Wall Street and The Woolworth Building, there are many reasons that make this area so expensive. There are plenty of subway stops in the area, making it easy to get around the city.
8. Tribeca
Average 1-bedroom rent: $5,184 Apartments for rent in Tribeca
Tribeca takes the eighth spot on our list of most expensive neighborhoods in New York. The average rent for a one-bedroom unit is roughly $400 more than the city’s average. Tribeca is a great option to consider if you’re looking to be near the Hudson River. It’s home to plenty of attractions, like Washington Market Park, the Woolworth Building, and the Ghostbusters Headquarters. You can also enjoy walking around the charming cobblestone streets and take in the historic architecture.
9. Chelsea
Average 1-bedroom rent: $5,155 Apartments for rent in Chelsea
A well-loved New York neighborhood, Chelsea is the next area. Chelsea is home to the Chelsea Market, Madison Square Garden and the High Line, meaning there’s plenty to do throughout the week. You’ll find there are countless historic buildings in Chelsea, like The Joyce Theater, so make sure to explore the area’s charm. If you need to commute to work, there are lots of options as the 7th Avenue subway station is nearby.
10. Lincoln Square
Average 1-bedroom rent: $5,004 Apartments for rent in Lincoln Square
The tenth most expensive neighborhood in New York is Lincoln Square. This area has a vibrant feeling with its popular restaurants and quirky shops. You can find parks like Central Park and Riverside Park, perfect for enjoying a sunny day in New York. Lincoln Square is also home to the Lincoln Center for the Performing Arts, providing residents with lots of opportunities to enjoy their neighborhood.
11. Brooklyn Heights
Average 1-bedroom rent: $4,987 Apartments for rent in Brooklyn Heights
Number 11 on our list is Brooklyn Heights. This neighborhood is located south of Manhattan in the Brooklyn borough. It’s a fantastic area if you’re looking for a neighborhood with charming streets. You can find plenty of cozy cafes and lively restaurants along Atlantic Avenue, such as Chez Moi and Table 87. Brooklyn Heights is also close to parks like Brooklyn Bridge Park and the Brooklyn Heights Promenade, offering stunning views of Manhattan.
12. Hell’s Kitchen
Average 1-bedroom rent: $4,986 Apartments for rent in Hell’s Kitchen
Taking the 12th and final spot on our list of most expensive neighborhoods in New York is Hell’s Kitchen. This famous neighborhood is located in between Lincoln Square and Chelsea. The average rent for a one-bedroom apartment is $4,986, compared to the city’s average of $4,770. Hell’s Kitchen’s expensive rent may be offset by its famous attractions like the Intrepid Sea, Air & Space Museum, Birdland Jazz Club, Terminal 5, and the Hudson River Park. The convenience of these activities might be worth it to move to the neighborhood.
Methodology: Whether a neighborhood has an average 1-bedroom rent price over the city’s average. Average rental data from Rent.com in March 2024.
It’s time to nurture nature with an eco-friendly home life.
In our fast-paced modern world, where technology reigns supreme and convenience is king, it’s easy to lose touch with the natural rhythms of the earth. But as we become increasingly aware of the impact of our actions on the environment, many of us are turning towards eco-friendly living not just for the planet’s sake, but for our own well-being too. Let’s explore how adopting a more sustainable lifestyle can not only benefit the environment but also improve our sleep and energy levels.
Exploring the connection: Sleep, energy, and the eco-friendly home
Sleep is a fundamental aspect of our health and well-being, yet many of us struggle to get enough quality rest each night. Likewise, low energy levels have become a common complaint in our caffeine-fueled society. But what does this have to do with the environment?
The answer lies in the intricate connection between our bodies and the world around us. Our sleep-wake cycle, also known as the circadian rhythm, is regulated by environmental cues such as light and temperature. When we disrupt these natural cues with artificial lights, electronic devices, and erratic schedules, we throw our circadian rhythm out of balance, leading to sleep disturbances and fatigue.
Furthermore, our energy levels are closely tied to our overall health and vitality, which in turn are influenced by the air we breathe, the food we eat, and the products we use. By prioritizing eco-friendly practices, we not only reduce our carbon footprint but also create a healthier environment for ourselves to thrive in.
Sustainable sleep practices
One of the first steps towards enhancing sleep and energy levels is to create a sleep-friendly environment. This means optimizing our surroundings to promote relaxation and restfulness. Here are some eco-friendly home tips to transform your bedroom into a sanctuary for sleep:
Natural materials: James Higgins, founder of Ethical Bedding, shares material matters. “Mindful purchasing and consumption means researching the companies you buy from,” Higgins notes. “Always choose organic (and plastic-free) wherever possible even if this means spending more. Spending a little more on higher quality products that are built to last will pay off in the long run.” Following Higgins’s advice and choosing organic bedding made from materials such as cotton, bamboo, eucalyptus, silk, or linen, which are not only gentle on the environment but also breathable and comfortable for sleep.
Chemical-free products: Avoid harsh chemicals and synthetic fragrances in your bedroom cleaning products and personal care items. Opt for natural alternatives to reduce exposure to harmful toxins that can disrupt sleep.
Mindful lighting: Embrace natural light during the day and minimize artificial light exposure at night, especially blue light from screens, which can interfere with melatonin production and disrupt sleep patterns.
Indoor plants: Incorporate indoor plants into your bedroom decor to improve air quality and create a calming atmosphere. Plants such as lavender, jasmine, and snake plants are known for their sleep-promoting properties.
Energy-efficient appliances: Invest in energy-efficient appliances and electronics to reduce energy consumption and minimize environmental impact. Hsin, with Nanani World, recommends this especially when it comes to lighting. “Switching to LED lighting from conventional incandescent bulbs can reduce energy consumption. LED bulbs last longer and are essential for lowering carbon emissions, which promotes environmental sustainability,” Hsin shares. Specifically, red LED lighting can enhance sleep quality and promote a quicker falling-asleep process, studies have found.
Disconnect from screens: Power down electronic devices at least an hour before bedtime to allow your mind to unwind and prepare for sleep. Sharon Bonner with Bright Ideas Event Agency shares her biggest wind-down tips. “No screen time 90 minutes before sleep and when sleeping, put devices in a Faraday bag to remove potential distraction,” Bonner shares.
Energize your day with sustainable living
Beyond improving sleep quality, adopting an eco-friendly lifestyle can also boost your energy levels and overall well-being. Here are some ways to energize your day while reducing your environmental impact:
Consider a plant-based diet: Incorporate more plant-based foods into your diet, such as fruits, vegetables, whole grains, and legumes. Plant-based diets are not only environmentally sustainable but also rich in nutrients that can increase energy levels and support overall health.Caroline James, with Envirolineblog.com, shares how to further make the most out of your meals. “Sometimes people think that being eco-friendly is more expensive. However, one of my favorite sustainable tips is to plan your meals and write a shopping list at the same time,” James explains. “Something as simple as writing a shopping list helps reduce food waste by assessing what you already have rather than impulse buying. Planning your meals also saves you money when you don’t overbuy and inevitably throw food away.”
Stay hydrated: Drink plenty of water throughout the day to stay hydrated and maintain optimal energy levels. Invest in a reusable water bottle to reduce plastic waste and minimize your carbon footprint.
Re-read labels: A lot of household products are toxic and can negatively affect our health. Rachel Lincoln Sarnoff, former journalist and founder of Mommy Greenest, explains the dangers of certain household items. “When it comes to air freshening and candles (and cleaners, for that matter), avoid artificial fragrances, which can contain hundreds of chemical ingredients including phthalates linked to hormone disruption,” Sarnoff warns. “Unless a label lists the components of what scents the product — such as essential oils—then the word “fragrance” probably means it’s artificial.”Another household item to reconsider is non-stick pans. “[Non-stick pans] are coated with PFOAs that can be harmful to human health,” Sarnoff explains. “If you can’t afford to overhaul your set, start with those that are scratched, which are more likely to leach these toxic chemicals into your food, and replace pans with metal versions that don’t have a non-stick coating. You can have the pans sand-blasted down to a stainless steel base and either continue to use or recycle them.”
Get moving outdoors: Take advantage of the natural world around you by engaging in outdoor activities such as hiking, cycling, or gardening. Spending time in nature can reduce stress, increase energy levels, and foster a deeper connection to the environment.
Reduce, reuse, and recycle: Practice the three R’s of sustainability — reduce, reuse, and recycle — to minimize waste and conserve valuable resources. Valinda, founder of Green and Happy Mom, explains that opting for what you already own is the most eco-friendly choice. “Why buy a stainless steel bottle if your trusty plastic one still serves its purpose? The same principle applies to food containers, bags, and more. When considering a new purchase, explore secondhand options first, ” Valinda concludes. “Not only does this reduce the demand for new resources, but it also helps you save some money.” Emma Reed suggests finding reusable alternatives first and investing in them. “Whether that be reusable wipes for the home, a reusable coffee cup you can take out with you, reusable nappies/diapers for your baby, or beeswax wraps instead of clingfilm, there are many doable and handy options, Reed shares. “On top of being more environmentally friendly, they are also much kinder to your wallet too – it’s a win-win.”
Eco-friendly home: Other ways to cultivate a green oasis
Incorporating eco-friendly practices into every aspect of your home life can have a significant impact on both the environment and your well-being. Here are some overarching green living tips to help you reduce your carbon footprint and create a more sustainable living space:
Simple swaps: Jennifer Young with What’s Good suggests starting with swaps that impact your health first. “For example, your skin is your largest organ and absorbs 70% of what it comes in contact with — your feet absorb 100%! This means the first change is laundry, like clothing, sheets, and towels. Ditch the big plastic bottle laundry detergent and start using concentrated laundry strips or powders,” Young shares. “Both are plastic- and liquid-free which hugely reduces fossil fuel consumption. Plus, there are no synthetic fragrances, dyes, or other harmful chemicals that might interrupt your endocrine system or aggravate your skin. You can further protect your health and save energy by using dryer balls instead of dryer sheets or fabric softener.”Yalu Xu, with Momo Lifestyle, echoes this sentiment that embracing eco-friendly living starts with reevaluating household essentials. “There’s room for sustainability in unexpected areas, like bath mats. Traditional fabric bath mats require weekly washes, using over 2,000 liters of water each year, ” Yalu Xu shares.
“An innovative alternative is a product like Drytomita bath mat. Made from diatomaceous earth, these mats not only absorb and evaporate water quickly but also maintain their cleanliness and functionality like new for years, with simple sandpaper maintenance. It’s a testament to how sustainable choices can seamlessly integrate into, and enhance our daily lives.”Another simple swap, shared by Lamar with BRoadout is opting for reusable alternatives like cotton and choosing sustainable materials like bamboo. “Cotton and bamboo are both sustainable choices and both hold a pivotal role as one of our primary raw materials, featured in a wide array of products, Lamar explains. “Choosing sustainable cotton items for your home, like tents and chairs, or bamboo items like tables, is a thoughtful way to care for your loved ones and the environment.” Lastly, Alyssa Bolaños, founder and CEO of Oh-Eco.com, reminds us not to feel pressure to make all the swaps at once. “My number one tip for living more sustainably is to use what you have, then, get what you need – just the sustainable version,” Bolaños states. “As you run out of your household cleaners or items, swap them for a more sustainable version on your next shopping trip. So instead of a plastic toothbrush, switch to bamboo. Or instead of saran wrap, maybe reusable bowl covers or beeswax wraps. You don’t have to change everything overnight.”
Consider air purifying measures: Jen Stout, co-founder of Healthier Homes, explains the importance of air purifying measures. “Adding a portable air filtration system with UV/ion purification in your living and bedroom areas is well worth the investment,” Stout exclaims. “Something many don’t think about either is paint – look for paints that seal the surface and are zero VOC, to add beauty and color to your space, while keeping the air condition pristine.” Houseplants can also help filter toxins, add oxygen to the air, and contribute to healthy sleep.
Energy efficiency: Ecoclicky support team encourages homeowners to consider renewable energy sources. “Install solar panels to harness solar energy, reducing reliance on non-renewable power sources,” the team shares. “For those unable to install panels, choosing energy providers that offer green energy plans can be a great alternative.” The team also advises upgrading to energy-efficient appliances and LED lighting. “This cuts down on electricity usage along with remembering to unplug devices when not in use,” the Ecoclicky team notes.
By incorporating these overall green living tips into your home, you can create a more eco-friendly environment that benefits both your health and the planet.
Simplifying conserving and preserving the earth
As we reflect on our relationship with the planet, let’s remember that our actions not only shape the world around us but also impact our health and well-being. By embracing eco-friendly living practices, we can enhance our sleep and energy levels while safeguarding the environment for future generations. So, let’s commit to treading lightly on the earth and nurturing a sustainable lifestyle that benefits both ourselves and the planet we call home.
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
Long Beach, California is a coastal gem known for its waterfront attractions, diverse communities, and a rich blend of urban and beach lifestyles. This city stands out with its unique blend of a laid-back beach vibe and a bustling urban environment. Whether you’re kayaking through the canals of Naples or enjoying a concert in the park, Long Beach provides an unparalleled quality of life that’s hard to find elsewhere. In this article, we’ll dive into the pros and cons of living in Long Beach to help you answer the question, “Should I move to Long Beach?” Let’s dive in.
Long Beach at a Glance
Walk Score: 73 | Bike Score: 70 | Transit Score: 49
Median Sale Price: $842,500 | Average Rent for 1-Bedroom Apartment: $2,192
Long Beach neighborhoods | Houses for rent in Long Beach | apartments for rent in Long Beach | Homes for sale in Long Beach
Pro: Beachfront living
Long Beach offers the quintessential Southern California beachfront living experience. With miles of sandy beaches and a scenic waterfront, residents enjoy a variety of outdoor activities including volleyball, sailing, and paddleboarding. The city’s beach paths are perfect for biking or a leisurely stroll, offering stunning views of the Pacific Ocean. This access to beachfront amenities not only promotes a healthy lifestyle but also provides a daily escape from the urban hustle and bustle.
Con: Traffic congestion
Like many Southern California cities, Long Beach struggles with traffic congestion. Major thoroughfares such as the 405 and 710 freeways often experience heavy traffic, especially during rush hours. This can make commuting a challenge for residents and can detract from the city’s otherwise laid-back vibe. The congestion also contributes to longer travel times, making it difficult to navigate the city quickly and efficiently.
Pro: Excellent arts scene
Long Beach boasts a thriving arts scene that is both diverse and accessible. From the renowned Long Beach Museum of Art to the smaller galleries scattered throughout the East Village Arts District, there’s always something new and exciting to explore. The city also hosts numerous arts events throughout the year, including the Long Beach Art Walk, which showcases local artists and performers. This lively arts culture not only enriches the community but also attracts visitors from all over, adding to the city’s dynamic atmosphere.
Con: High cost of living
The cost of living in Long Beach is notably high, even by California standards. In fact, the cost of living in Long Beach is 50% higher than the national average. Housing prices have been on the rise, making it challenging for many to afford a home in their desired neighborhood. Rent prices are also above the national average, putting financial strain on residents. While the city offers a high quality of life, the elevated cost of living can be a significant hurdle for some individuals.
Pro: Diverse culinary scene
Long Beach’s culinary scene is as diverse as its population, offering a wide range of dining options that cater to all tastes and budgets. From authentic Mexican and Southeast Asian cuisines to innovative farm-to-table restaurants, the city is a foodie’s paradise. The presence of food festivals, such as the Long Beach Seafood Festival, highlights the city’s love for good food and community gatherings.
Con: Poor air quality
Due to its location and industrial activities, Long Beach faces challenges with air quality. The proximity to the Port of Long Beach, one of the busiest seaports in the world, contributes to higher levels of air pollution. This could affect residents’ health, particularly those with respiratory conditions. Efforts are being made to improve the situation, but air quality remains a concern for those living in and around the city.
Pro: Waterfront attractions
Long Beach’s waterfront is one of its most attractive features, offering a plethora of activities and sights. The Queen Mary, a historic ocean liner turned hotel and museum, anchors a vibrant waterfront scene that includes the Aquarium of the Pacific and Shoreline Village. These attractions not only provide unique experiences, but also contribute to the city’s economy. The waterfront is a focal point for leisure and entertainment, making it a cherished part of Long Beach.
Con: Limited parking
Finding parking in Long Beach can be a frustrating experience, especially in downtown and popular beachfront areas. Limited parking spaces and high parking fees can deter residents and visitors from exploring certain parts of the city. This issue is particularly acute during events or peak tourist seasons, when demand for parking far exceeds supply.
Pro: Exciting community events and festivals
Long Beach’s calendar is packed with community events and festivals that cater to a wide range of interests. From the Long Beach Grand Prix, an exciting street race that draws crowds from all over, to the Belmont Shore Christmas Parade, there’s always something happening. These events not only provide entertainment but also foster a strong sense of community among locals. They are a testament to the city’s dynamic culture and its residents’ active engagement in community life.
Con: Seasonal crowds
Long Beach’s popularity as a tourist destination means that it can get crowded, especially during the summer and holiday seasons. Beaches, attractions, and restaurants can become overrun with visitors, which can detract from the enjoyment of the city for its residents. While tourism is an important economic driver, managing the influx of visitors to ensure a quality experience for both tourists and residents alike is an ongoing challenge for the city.
Pro: Beautiful green spaces and parks
Despite its urban environment, Long Beach is home to numerous parks and green spaces that provide locals with a much-needed respite from city life. El Dorado Park, with its vast open spaces, lakes, and sporting facilities, is a favorite among outdoor enthusiasts. The city’s commitment to maintaining and expanding its green spaces is evident in its parks, community gardens, and initiatives like the Long Beach Greenbelt.
Con: Noise pollution
With its bustling port, airport, and urban density, Long Beach can be a noisy place to live. Residents in certain areas, especially those near the airport or industrial zones, may experience higher levels of noise pollution. This can a drawback for those seeking a quieter, more serene environment. While the city has noise ordinances in place, mitigating noise pollution remains a challenge.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Savvy frequent flyers know that having an arsenal of tools at their disposal when planning travel or while on the road is key to a stress-free experience. ExpertFlyer is a website that offers an array of tools and information that can help travel run smoothly, from finding available award seats to flight tracking and seat maps.
Here’s an overview of what you can expect when using ExpertFlyer and what’s available to those who purchase the full premium access version.
What is ExpertFlyer?
ExpertFlyer is a website with free, paid and premium paid subscriptions that allows travelers to search for frequent flyer award and upgrade space, determine how full flights are, track flight status and delays, review seat maps, and check visa and travel requirements for various destinations.
It can also help travelers to:
Check flight status, timetables and on-time information.
Review seat maps for all types of aircraft.
Create and save alerts for specific flights, seats, schedules or aircraft changes.
Save search queries for future use.
The site relies on global distribution systems (these are what travel advisors, websites like Google Flights and Kayak and airline reservations systems use) to provide data — although some airlines block ExpertFlyer from accessing it.
Finding availability for frequent flyer awards and upgrades
While ExpertFlyer doesn’t have access to every airline’s award space, it does show availability for awards and upgrades made available by that airline’s own award program. These same awards are not always made available to partner programs, but it is helpful to know in case you want to transfer points from other credit card or hotel loyalty programs.
Many elite status members receive upgrade certificates they can use, and while some airlines list upgrade availability on their website, ExpertFlyer can be used for those that don’t.
Currently, ExpertFlyer provides access to the following airlines for award and/or upgrade space. Note that some of these airlines display award space for one cabin only, like economy class.
Available airlines:
Aegean Airlines.
Aer Lingus.
Air Canada.
Air Europa.
Air France.
Air Malta.
Air Mauritius.
Air New Zealand.
Air Serbia.
Air Seychelles.
Air Tahiti Nui.
Alaska Airlines.
American Airlines.
British Airways.
Canadian North.
China Southern Airlines.
CSA Czech Airlines.
Hainan Airlines.
Hawaiian Airlines.
JetBlue Airways.
Kenya Airways.
Korean Air.
Kuwait Airways.
Martinair.
Philippine Airlines.
Shanghai Airlines.
Turkish Airlines.
Xiamen Air.
How to search for award and upgrade availability on ExpertFlyer
Using the search engine is simple. Select the airline you want to search, your dates of travel and departure and destination airports. The drop down menu will show you the availability that the website can access for that carrier.
The results show availability for each selected category, with the ability to check multiple flight and date options. Armed with this information, you can then contact the airline directly to make an award booking or try to redeem miles online.
In the above example on a search for a KLM flight from New York-John F. Kennedy to Amsterdam, you can use Delta SkyMiles or Air France/KLM FlyingBlue points to book a business or economy award seat on these flights. You could also use a Delta Global Upgrade certificate on the first two options.
If the search comes up with no results, you can click the exclamation point icon to set an alert to notify you if space becomes available. Just remember that KLM (like other airlines) may make certain award space available to its members, but not to partner carriers. So you’ll want to check the frequent flyer program’s website to determine the exact cost in miles.
Understanding the nuances of each fare class code can be helpful, but often, clicking the small question mark symbol next to a code (like in the KLM example above) will help explain what that availability means.
If you want more details, there’s a fare class guide for many airlines on ExpertFlyer. The below example shows the class codes for different American Airlines fares. Other reference guides available on ExpertFlyer include codes for airports, airlines, meals and aircraft equipment.
If you’re making a connection, you’ll want to consider how you search. Looking segment by segment may not reveal the same award or upgrade availability as searching from origin to destination point.
Each airline is different in this practice, which is referred to as “married segments.” For example, an award flight may be available from New York to Amsterdam and from Amsterdam to Madrid, but not from New York to Madrid (even on the same airlines).
Flight availability
If you want to see how full your flight is, the airline’s own seat map isn’t always a reliable resource. This is because not everyone selects seats in advance or wants to pay for one. Using ExpertFlyer can tell you if the flight is full or still has seats for sale.
You simply enter the flight information you are searching for (departure and arrival city plus flight date). The results will pull up all the flights on all airlines that appear in ExpertFlyer’s database, like the example below.
There are numerous fare buckets for each flight representing different fares and restrictions. If you see a zero after a fare type, this means it’s sold out. In the above example, a search for flights from New York-John F. Kennedy to Amsterdam shows the different fares for sale. Most fares are still available (translation: these flights are not completely full).
In the case of the last flight above (Delta 48), there are only four seats left in business class for sale (J refers to full-fare business class). If you see zeros across the board, the flight is full. It may even be oversold, and if you want to try and volunteer your seat for compensation, get to the gate early. You may get rewarded for changing to another flight.
This information can also be helpful if you have a delayed or canceled flight and want to search for availability on an alternative flight. Checking this information in real time can help immensely, especially if there are only a few seats left up for grabs.
Flight schedules
If you’re looking to see which flights are available between a given city pair, from a particular airport or to a particular airport on any given day, ExpertFlyer can provide this information. You can also see how many flights operate between two city pairs on any day.
Below is an example of the flights departing Piedmont Triad airport in North Carolina on the morning of Oct. 21 within the first hour of the day. This information can help you determine which flight options are available.
It can also be helpful to see if a particular airline flies to your destination and if you can use miles on your preferred carrier.
To narrow the search results, you can filter to display only the airlines you want (and also leave out codeshare flights).
Flight status
If you’re curious about the flight status of your trip, ExpertFlyer can provide timely updates. For example, if there’s a delay, you can often find information about the reason for the delay (not all airlines are transparent about this information). The site also gives estimated departure times.
In the above example, a flight from Chicago-O’Hare to Eagle Vail airport in Colorado was delayed just over two hours due to aircraft maintenance. In the “Comments” section, you can see the plane left the gate at 12:11 p.m. (out), took off at 12:22 p.m. (off) and arrived at 1:51 p.m. (in).
🤓Nerdy Tip
This level of detail can be very helpful if gate agents aren’t forthcoming with information or you’re picking up someone from the airport.
Another helpful benefit is seeing real-time TSA security checkpoint times for the departure airport. The example below shares real-time checkpoint information for Atlanta airport.
Flight details
Similarly, you can learn more about a particular flight such as aircraft type, total distance flown and if there’s meal service on board.
When you click on the letter B under the first flight in the example, it indicates that first class receives breakfast. The V next to it means food for sale.
Seat map and seat alerts
The ExpertFlyer seatmap is updated in real time as it reflects the global distribution system. The map is a good resource for knowing which seats are available, for sale, blocked or open to assign.
If you’re standing at the gate and wondering if there are any empty seats you can move to at the last minute, you’ll be able to determine this using the seat map tool.
In the above example of a Delta flight, there are eight seats available to assign in the premium cabin. If you prefer to reserve one of the previously assigned seats, you can set an alert to receive an email if it becomes available.
This can be especially helpful for full flights where you want seats together with a companion or want a particular seat.
Fare and travel information
The fare information section provides details on the fare rules for each of the different fares available on a particular flight. This is the same information that airlines or travel advisors use when providing details on cancellation or change policies and other restrictions on a ticket.
The travel information section allows you to look up what visa, passport or travel requirements are in place for visiting or transiting through particular countries.
The example below shows instructions for passengers departing the U.S. and traveling to Algeria via France. It explains that you will need a passport with a minimum of six months validity from the arrival date as well as a visa. Visas on arrival are only available for travelers to specific destinations within the country, along with certain restrictions.
As visa requirements can change quite often, this is a useful tool for frequent international travelers.
You can also find details on historical wait times for security or how often a particular flight is delayed. The minimum connection time tool also indicates how much time you should allow between particular flights in each airport. This can come in handy if you’re booking separate reservations (instead of booking all your flights in one ticket) to save money.
How much does ExpertFlyer cost?
ExpertFlyer has a pricing model with three tiers.
Free and a la carte. There’s a free membership that includes access to ExpertFlyer seat maps and the ability to set alerts for preferred seat changes. One alert at a time is allowed for free, with additional seat alerts available for $0.99 each.
Basic tier. A basic membership costs $4.99 per month and allows 250 monthly searches for awards along with access to Expert Flyer seat maps, seat alerts, flight schedules and travel information.
Premium tier. The highest-level membership costs $99.99 annually or $9.99 per month. This service provides access to all of the site’s functionality mentioned above, including unlimited search queries. It also adds extra benefits such as mobile access and the ability to create alerts for aircraft changes or flight availability. You can also do flexible date searches for as many as three days before or after a particular travel date.
Is ExpertFlyer worth it?
If you travel frequently, ExpertFlyer is a useful tool to have. Being in control of your travel reservations, especially when there are disruptions or you’re looking to use miles and upgrades on the best flights, means that ExpertFlyer can be a frequent flyer’s best friend. That said, if you only travel a few times a year, the free or basic version may be a better option.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for: