Save more, spend smarter, and make your money go further
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Agreeing on a single set of goals as a couple can be challenging. While it’s possible that you’ve managed to settle down with someone that happens to be your exact money twin, what’s more likely is that you and your partner will have different money philosophies. As you work towards building your life together, you’ll have to learn how to mesh those differing viewpoints so that you can create joint financial and life goals. These tips will help you do just that.
Commit to Complete Financial Honesty
If you want to create financial goals that work for you both as a couple, you are going to have to be completely honest with each other about money. That means talking about your current financial situation, like how much money you make and how much debt you have. Even if you plan to manage your finances separately, your financial state will have an effect on each other’s lives. It’s better to be honest from the beginning than to have to deal with unexpected surprises later on.
It also means being honest about lifestyle goals and preferences like whether you want to have kids, where you want to live, and how often you like to go on vacation. Your partner should know what a good life looks like to you and vice versa. That way you start to have an idea of what you both want and why you want it.
If you aren’t used to having these kinds of raw conversations about money, it might be uncomfortable at first. But the more #RealMoneyTalk convos you have with your partner, the easier it will get.
Be Prepared to Compromise
If you have a partner, chances are you are already used to doing this, like whose parents’ house to visit for Thanksgiving each year. Deciding on joint financial goals as a couple works the same way. As much as we all wish that we could fit in all of our financial goals in one shot and never have to choose, the reality is that we have to prioritize. There will always be limits to what we can feasibly accomplish financially especially in the short term.
You and your partner will likely have some differing ideas of how you want to spend your money or how quickly you want to accomplish your goals. Even something as simple as where you want to live can be a source of disagreement that you will have to work through. The key here is to be open to modifying your original expectations so that you can fit in the things that matter the most to both of you.
Outline Your Life Goals as Individuals and as a Couple
Taking the time to figure out what you both want as a couple and what you want as individuals helps give both of you perspective. Before you get together to agree on your joint financial goals, you should each take some time separately to write down your goals beforehand. Each of you should make a list of your own personal goals and the goals that you are hoping to accomplish as a couple. The more inclusive the list is, the better. You can always cull the list later.
Using your two lists as a starting point, get together and start talking through your goals. Do you have any goals in common? Are there goals on there that surprised you? This exercise is a great way to learn some new things about your partner that you might not have known about.
Remember that while you’re only working on financial goals, you’ll want to consider things that may not seem like a financial goal. Many of the things that we think of as bucket list items or life goals, like climbing Kilimanjaro or cruising in retirement, are actually financial goals in disguise. It will cost money to actually make them happen. So be sure to include the not so obvious financial goals in your discussion.
If you find that you and your partner are worlds apart, don’t fret. Figuring out where you both stand is just the beginning. You can always choose to compromise later. Financial goals change over time and the key is to keep them growing and changing together.
Decide Which Goals Are Most Important to You
Once you have a comprehensive list of goals that you’re both working from, it’s time to start prioritizing. That means you are going to each have to rank which goals matter the most to you and which matter the least. You’ll also want to consider the urgency of the goals and how long it will take to accomplish them.
Prioritizing your goals make it easier to decide which ones to focus on first. It also makes compromising a lot easier because you can choose what is most important to you and what you are willing to give up in order to have it.
Starting from a place of wanting to fit in as many of each other’s top priorities as possible will make it that much easier to decide on your joint financial goals. And if you aren’t able to fit in some of your high priority goals right at the beginning, it gives you both something to work towards as a couple.
Use Real Numbers to Define Your Goals Where Possible
As you work through deciding which financial goals you want to focus on, take some time to estimate exactly how much those goals are going to cost. It’s really easy to get carried away with goals and underestimate how much money or time it will take the accomplish them.
Taking the time to attach a real number to your financial goals makes for more realistic goals.
Use those real numbers in your actual budget to see how your financial goals will affect your day to day lives. A goal that seemed reasonable in theory could turn out to be unbearable in practice because of how it affects the rest of your life. If you set both of your expectations in advance, it will make it a lot easier to stick with your financial goals.
Have Regular Check-Ins to Make Sure You Are On Track
Deciding which goals you want to prioritize as a couple and fitting them into your budget is just the beginning. As time goes on, you might want to add new goals in or you might find that one or both of you don’t actually want the things that you thought you wanted when you initially set your financial goals. That’s okay. People change and goals change too.
Having regular check-ins with each other about your goals will help you adjust your goals as you go so that they continue to reflect your financial goals as a couple.
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Christmas is a time filled with joy and wonder. It’s the best season of the year to celebrate all that life has given us.
I wanted to share 93 things you can do on Christmas Day, from spending quality time with your family over a cozy fire in your fireplace or at an outdoor party, playing games around the house (even if it means taking turns), making food for others during holiday celebrations, going outside for walks during snowfall so we stay active and healthy this winter, and even taking a day off from work to do something relaxing.
Are you looking for a list of activities to do on Christmas Day that is fun?
Don’t worry, I got your back. Here is my list of over 90 ideas so you can spend the day with friends and family in style!
To be honest, this is my list of favorite things to do on Christmas Day.
If you need ideas, then start here…
What to do on Christmas day?
There are a variety of things you can do on Christmas day to make the most of the holiday.
You have to decide how you want to spend the day.
We will cover ideas with family, in the kitchen, with kids, at home, and just for you!
Quick Christmas Things to Do
You could help your loved ones decorate the yard with some inflatables– there are plenty of options available, from classic characters like Santa and snowmen to silly options like dinosaurs and unicorns.
If you’re feeling adventurous, you could even head out for a hike in the morning- nothing beats fresh air and stunning views in winter.
Once you’ve worked up an appetite, why not prepare a festive feast? There are plenty of recipes online that will let you show off your culinary skills. Or if cooking isn’t really your fancy, take advantage of convenient delivery services and enjoy Christmas dinner without having to lift a finger.
Once everyone’s bellies are full, it’s time for some fun (or a nap)!
Get the family together for some party Christmas games or put on a movie marathon. Whatever you choose to do, make sure to savor every moment spent with your loved ones- after all, Christmas only comes once a year!
What are some traditions people have on Christmas day?
There are many different family Christmas traditions that people partake in.
Some common traditions include:
Counting down to Christmas
Doing crafts on December 25th
Exchanging gifts.
These traditions are often passed down from generation to generation and are a lot of fun for both children and adults.
Another popular tradition is saying “Merry Christmas” to one another. This usually happens when family members gather together to celebrate the holiday.
Families come from all over to spend time with each other on Christmas day, and the joyous atmosphere is something that can’t be replicated any other time of year.
What do people typically eat on Christmas day?
Christmas is a time when many people come together to celebrate. While the exact traditions may vary, there are some acts that remain the same. For example, many people will eat turkey, mashed potatoes, and cookies on Christmas day (source).
If you’re looking to give back to your local community this Christmas, consider donating to your local food bank. Many food banks are able to help those in need during the holiday season and beyond.
Things to Do on Christmas Day with Family
Every year in December, the holiday season brings a rush of family time.
Christmas is a day that you can spend with your family, and there are plenty of things for the whole family to enjoy on this special day.
Here are some activities to enjoy with your loved ones on Christmas Day that you might not have thought about:
1. Spend time with family and friends. This is probably the best part of Christmas day! Enjoying good company is what makes this holiday special.
2. Karaoke Time. If you have a talent (or not) for singing, take turns with your family and friends by caroling the Christmas classics..
3. Watch Christmas Movies. Pick one of the many Christmas-themed movies that are on TV or streaming online to get into the spirit of Christmas. Watch classic holiday films like “It’s a Wonderful Life” or “A Christmas Story.”
4. Game Night. There are a lot of fun and interactive ways to keep you entertained this holiday season, including board games and card games! Start a family competition with bragging rights for the whole year!
5. Eat Christmas Snacks. What is Christmas without the traditional treats? Enjoy some of your favorite holiday foods, like cookies and candy canes.
6. Christmas crafts. There are a lot of fun DIY projects you could do this year to celebrate the holiday season, like making decorations or ornaments.
7. Host a Christmas party. If you’re hosting a Christmas party this year, make sure to get into the spirit of the holiday event by decorating your house and putting up a Christmas tree!
8. Refine Your Christmas traditions. There are some fun family traditions you can do this year, like baking cookies or watching classic holiday movies. Pick a handful of activities you want to do each year.
9. Prepare Christmas dinner. The Christmas meal is a big part of the holiday tradition, and there are lots of different foods you can make for your family this year — from ham and turkey to yummy desserts!
10. Make cookies. If you want to make Christmas cookies, now is the time to start thinking about what kind of treats you’d like to make. You can use a recipe, or you can make up your own recipe.
11. Video Chat with Your Family. Time to say hello to your family that you don’t get to see in person. Get on Zoom, Whatsapp, or Facetime with your family, even if they’re not in the same country.
12. Have a Family Meeting. What are some matters you can do as a family to help you focus on the true meaning of Christmas? Write them down and discuss how you can incorporate these into your holiday.
13. Puzzle. At my aunt’s house, there was always a puzzle on the table. Family members would stop and put a puzzle piece together while chatting and laughing.
14. Stream the Nutcracker Performance. Do you have a favorite performance of The Nutcracker? Be sure to watch it on Christmas day, even if it’s just for an hour or so.
15. Make Gingerbread Cookies. If you want to do something really special for someone, try making gingerbread cookies! Bake up a batch of gingerbread cookies with your family.
16. Craft a Gingerbread House. Cut out gingerbread men, stars, and snowflakes from construction paper or cardstock, then use them to decorate a gingerbread house. You don’t have to use the traditional kit with frosting.
17. Listen to Christmas Music. There’s nothing like listening to some holiday music while you’re baking cookies or hanging out with family and friends on Christmas Day.
18. Play the Game “Secret Santa.” If you’re hosting a holiday party this year, why not play the game “Secret Santa”? Everyone brings an inexpensive gift to the party, and then one person is chosen to be Secret Santa. Everyone draws a number, and the person with #1 picks out a gift from Secret Santa’s pile to open. Then everyone else has to figure out who their Secret Santa is by guessing which person brought them their gift.
19. Ugly Sweater Contest. You might even want to combine it with a white elephant gift exchange!
20. Christmas Scavenger Hunt Game. This is a fun activity for the whole family. Have each person do some research about Christmas traditions from around the world, and then come up with an item to bring back that symbolizes one of those countries. Or press the easy button and pick a ready-to-go Christmas scavenger hunt game.
More Things to Do on Christmas Day at Home
Christmas is a time for family get-togethers and relaxing with loved ones. Whether you celebrate Christmas or not, it’s still a fun day to have some activities that are holiday-oriented.
As the saying goes, “The home is where the heart is.” Here is a list of more fun things to do on Christmas Day at home.
21. Read a Christmas book. Pick up JK Rowling’s latest, The Christmas Pig.
22. Write Letters to Open on Milestone Christmases. Write a letter to your future self on Christmas day, putting any sort of advice you give to yourself as well as predictions you have. Pick milestone years. For example, when you celebrate Christmas with your baby, when your kids leave for college, or even the first Christmas without a parent.
23. Create a “Christmas Bucket List.” What are some undertakings that you want to experience in your life? Create lists for everything. For example, family trips in which everyone gets to pick the destination, a Christmas wedding, or even watching your children give their first speech.
24. Eat Christmas Cookies. Bake some sugar cookies and spread a bunch of frosting over them to make them look like Christmas trees.
25. Christmas Movie Marathon. Watch all of the Christmas movies!
26. Listen to Christmas songs. You could listen to some of your favorite Christmas songs while hanging out with friends and family. you’re decorating the tree or wrapping presents.
27. Shop Online for What You Didn’t Get. Buying a gift for your future self is a bit of an existential dilemma: what do you want to have? Truly people didn’t listen to what do I want from Christmas.
28. Send Christmas cards. If you’re going to be sending out Christmas cards this year, now is the time to start thinking about who you want to send them to! Better late than never!
29. Host a Party. Plan an open house for Christmas, and invite friends and neighbors to enjoy food, games, and gifts together.
30. Book Reservations. Those experience gift ideas need to be booked and put on the calendar.
Things to Do on Christmas Day In the Kitchen & Food to Eat
As Christmas Day approaches, now is a great time of the year to start planning what you plan to eat, make and bake in the kitchen. Whether you like cooking or not, there is something for everyone on this list from the kitchen to the backyard.
The Christmas season is a time to celebrate with family and friends. And food brings people together.
So, here are some fun activities you can bake on Christmas Day:
31. Make Christmas Star Bread. This is one of the traditions in our house. Please note, that you need to start this a day in advance. Here is our favorite Christmas star bread recipe.
32. Christmas Morning Brunch. This is a Sunday tradition in our house, but for Christmas, we have the favorite egg casserole prepared in advance for no work needed during opening gift time! Always cooked and ready to be enjoyed once everyone is done opening presents.
33. Bake and Decorate Christmas Cookies. My friend, Haley, over at If You Give a Blonde a Kitchen, always has great cookie ideas. And they are delicious!!
34. Cook a Fancy Meal. Let’s be honest… You more than likely don’t have the extra time to spend time in the kitchen and try a new recipe you have been wanting to try! Christmas is the perfect day to spend time cooking to your heart’s content.
35. Plan a Themed Christmas Dinner. Say bye-bye to classic turkey, ham, and beef! Each year choose a new theme for dinner. Here are some of our favorite themed ideas: Italian, Mexican, Indian, Chinese, Mediterranean, or Costa Rican Casado. Even football favorite appetizers! Every seven years there is guaranteed to be football on.
36. Mix a Christmas Cocktail. Enjoy being by a nice fire and enjoy watching the snowflakes fall. It sounds perfect, right?
37. S’mores by the Fire. Who says, campfires and summer are the only time for smores. Grab the sweet supplies, jackets, and blankets, and nestle around a firepit.
38. Serve Cake for Dinner. Serve your family a big slice of cake for dinner instead of turkey or ham. Can you see their faces of amazement!?!?
39. Make a Christmas Tree Out of Fruit and Vegetables. This is a fun activity for kids of all ages.
40. Cook Frozen Pizza. This doesn’t happen often, but it is always well received by my crowd. Pizza for the win!
Things to Do on Christmas Day with Kids
Christmas Day is a time for family, and often children are the ones who make it so memorable.
To help you find something fun to do with your children on Christmas day we have compiled an extensive list of activities that you and the kids can do together.
41. Open Christmas Gifts. Yes, this is what kids look forward to the most each Christmas. In fact, here are $10 gifts approved by my own kids.
42. Play in the snow. Throw a snowball, build a snowman, or make snow angels. Kids NEED to get outside and burn off their energy.
43. Play hide-n-seek outside. No snow? Don’t worry. Start a game of hide-n-seek outside. The last one to be found picks the next activity.
44. Candy Cane Hunt. First of all, you need a lot of candy canes and some good hiding places. Make sure you count all of the candy canes before to make sure you find them all!
45. Make Christmas Tree Ornaments. This project is perfect for the kids in your life! I love how easy they are to make and that they can be decorated however you choose.
46. Decorate Windows with Paper Snowflakes. This is one of the best activities for kids to improve their motor skills. How many can you make? And what size snowflakes? This is a great project for kids! They can make them any size they want and hang them on the tree or around the house.
47. Visit Local Attractions. Every city may have something cool on Christmas Day that is open. Check out Living on the Cheap for your closest city for local attractions.
48. Art4Kidz Hub. Seriously, they have some of the best videos on how to draw! Hours of entertainment. Plus their artwork can turn into thank you cards!
49. Make Kid Christmas crafts. This is a fun way to do something different from presents. Spend quality time making various crafts. Just make sure to buy the craft supplies in advance!
50. Play kid-approved board games. Time for a family game night or afternoon. Invite friends and family over for a game of Uno, Connect Four, or Apples to Apples! Even Scrabble or Monopoly- so many fun options!
List of Crafty Things to Do on Christmas Day
Christmas is one of the most exciting and fun holidays to be a part of. But everyone loves it when they get something in return for all their hard work, right?
So, spend the day doing the craft projects you always want to do!
Here are some great ways to give your friends and family something special.
51. Photo Book. Photo Books are a great way to preserve memories for special occasions. Plus, they can be shared with other people so everyone is able to see the good times! You can create a printable photo book or a digital photo book.
52. Make Christmas Ornaments. Christmas is the best time of year to wear new ornaments! You can make some really fun and unique ornaments using recycled materials, like bottle caps.
53. Make Christmas Headbands. These are so adorable for little kids and adults alike! They can be made in any colors you choose.
54. Decorate Homemade Gift Bags. Gift bags are a great way to personalize your gifts and make them look extra special!
55. Make A Holiday Recipe Book. Create a recipe book for all of your holiday dinner favorites. You can include the recipes for stuffing, mashed potatoes, green beans, and any other dishes that you love to cook during the holidays. Here is the digital recipe book organizer I use.
56. Create a Card Christmas Tree. Arrange photos and Christmas cards to make a Christmas tree on the wall. Even wrapping paper can be reused to “build” your tree.
57. Make New Year’s Cards. Seriously, it is SO stressful trying to get Christmas cards out in advance. So, let’s start sending New Year’s cards instead.
58. Make a Christmas Tree skirt. This one has been on my list forever. So, I decided to dedicate time on Christmas to finally complete my project.
59. Put Together A Memory Box. This is easy, but thoughtful idea that you can give as a gift to your family. You can fill the box with photos, recipes, and other special items that you have collected over time.
60. Make Salt Dough Ornaments. This is a fun and easy project. I love how they look on the tree, too!
Outdoor City Attractions to Do on Christmas Day
Open the door and enjoy the weather. Whether you go for a walk, play in the snow, or go for a drive, getting some fresh air is always a good idea.
On Christmas Day, many attractions and businesses are closed. So, opt for open parks and space for your wintery fun!
You can even pair the outing with these National Park gifts.
Snow is here, but it doesn’t have to be all about snow. Take advantage of the winter weather and get outside for some fun activities!
61. Run a Christmas 5k. Running has become a prominent form of health and fitness activity in recent years. Have fun during a fast-paced run (or walk) by taking on a Christmas 5k. Challenge your friends and family to join you!
62. Take an ice-skating lesson. If you’ve never tried ice skating before, this is a great way to dip your toes in.
63. Go sledding! You may not have the equipment for traditional snow tubing, but taking a trip down a hill is just as much fun.
64. Go ice fishing! If you don’t want to go too far, make your own pond in the backyard.
65. Play in the snow. This can lead to hours of fun! Don’t dread the snow because you have to shovel it. Think of ways to build a snow fort, throw snowballs or just play around.
66. Play tennis, golf, or pickleball. Not every year will there be snow on the ground. On those sunny days, pick up your racket or golf clubs and get a game or two in.
67. Go cross-country skiing. Time to get some exercise and burn calories. Cross-country skiing is a great way to get outside and hit your fitness goals.
68. Watch a movie in the snow. How fun does that sound? Thanks to technology you can snuggle up while watching a Christmas classic. Make sure to buy a projector ahead of time!
69. Ride roller coasters. Sounds thrilling, right?!?! But check to see if they are open first.
70. Drive Around to See Christmas Lights. A simple and classic activity to do on Christmas day. Go around and find the best light display!
Things to Do on Christmas Day to Refresh Your Soul
Do you often get bored of the same old ideas on Christmas Day? The answer to that question is probably a resounding “yes” if your answer has been anything like mine.
Here is a compiled list of relaxing Christmas Day activities for people who are looking to enjoy their day while rejuvenating their souls.
71. Relax and take it easy. There’s no need to stress out about anything – just relax and enjoy yourself!
72. Enjoy a LuxuriousHotBath. Time to destress from the hustle and bustle of the season. Grab some must-have bath essentials to make your experience more spa-like.
73. Treat Yourself. What is one intention you’ve always wanted to do? Buy it for yourself or give yourself the gift of time and allow yourself to enjoy that experience.
74. Escape on a Christmas Vacation. Do you always want to try something new for Christmas? Let’s make this year the best one yet and plan that special Christmas trip!
75. Take a walk in nature. Enjoy the sun and soak up some Vitamin D!
76. At Home Manicure/Pedicure Experience. While it’s not the same as being pampered in the salon, there are many at-home manicure and pedicure sets, that you can use all year round.
77. Personalized Playlist. Spend time finding new songs that revitalize your mind.
78. Stay in Christmas Pajamas. Even better plan matching PJs for the whole family!
79. Spend time cuddling on the couch. A dream come true for a busy mom or dad!
80. Make a List. Make a list of activities to do or places to go that are not centered around Christmas. Focus on items that you are grateful or blessed to have in your life. This will help you avoid the “Xmas” overload and keep you focused on what is really important.
81. Attend a Christmas Eve Service. What is one church in your area that you’ve never visited? Take the opportunity to attend a service on Christmas Eve.
Ways to Show Generosity on Christmas
Giving is always better than receiving.
Christmas is a time of giving, but it can be difficult to know how much you should give.
This doesn’t mean that Christmas has to be all about presents or expensive gifts for your loved ones, but you can still show your gratitude with small acts of kindness. Here are some ways to do that:
82. Volunteer at a Homeless Shelter. This is a great way to serve and be appreciative of what you have been blessed with. Find your nearest homeless shelter and volunteer to serve a meal, or help set up cots for a cold night. Maybe set fundraising parties to help gather monetary donations.
83. Take a Meal to Someone. Many people don’t want to cook on Christmas because they are by themselves or unable to spend hours in the kitchen anymore. Bless them with a cooked meal and your decorated Christmas cookies.
84. Write Thank You Notes. We all know this needs to be done. So, practice writing thank-yous before you start playing and using the gift you received.
85. St. Nick’s Giveaway Day. St Nicholas was known for giving out toys to all the children. Pay it forward by passing along toys, clothes, or other furnishings you don’t need anymore.
86. Be a Santa. Adopt a family for Christmas and provide gifts, food, or other items that they would enjoy.
87. Random Acts of Kindness. Write a list of ways you can bless people with random acts of kindness. Small actions go a long way toward making someone’s day, especially around the holidays.
88. Serve Others. Visit a nursing home or assisted living facility. Bring them cookies, sing Christmas carols with them, read to them and spend time with people who may not have the opportunity to see you on another day.
89. Pray for Others. What is one way to pray on this day that would make someone else’s life better?
Things to Do on Christmas Day for Adults
Christmas is an exciting time of the year, but it can also be a very stressful holiday due to work and family commitments.
There are many different activities that adults can enjoy on Christmas day.
90. Cook a Traditional Meal. One popular option is cooking a traditional Christmas meal. This can be a great way to learn about other cultures and traditions.
91. Ice Skating. There is no shortage of places to go ice skating on Christmas Day.
92. Ugly Sweater Time. Wearing an ugly sweater is always a festive tradition, and it can be especially fun on Christmas Day when everyone else is dressed up too. Just make sure you’re prepared for people to make fun of your outfit!
93. Be Alone. Some people prefer to spend Christmas day alone, either because they don’t have any family nearby or because they simply want some time to themselves. There are plenty of activities that can be done by oneself without requiring any specific skills or knowledge. For example, reading a good book, watching a movie, or taking a walk in the park are all enjoyable ways to spend the day.
Honestly, as an adult, you can choose any of the above activities that would be a perfect way to celebrate Christmas day.
What are some unique or interesting ways to celebrate Christmas day?
There are many unique ways to celebrate Christmas.
Honestly, it comes down to your preferred traditions. This is something you will find over the years about how you want to spend the day.
One popular way is to place an elf in your child’s bedroom to monitor their behavior! Another fun tradition is singing carols or skating on the ice. If you’re looking for something a bit more unique, consider driving down a festive pathway or reconnecting with old friends over dinner.
No matter how you choose to celebrate, make sure to enjoy yourself and have some fun!
More tips for making the most of Christmas day
Christmas is a time for family, friends, and fun.
Christmas day can be a lot of fun, but it’s important to make the most of it!
The best tips for making the most of Christmas day include spending time with your family and having a good time.
Here are some important tips to keep in mind when celebrating.
Tip #1 – Watch for Stressors
Make sure to take a break from the “seasonal grind” and forget to enjoy the holidays yourself.
Before Christmas day arrives, make a list of the stressors you tend to experience on this joyous holiday. Make a conscious decision to avoid the stressors as much as possible. If you cannot completely avoid one of them, then limit your time and plan for decompress time afterward.
Tip #2 – Spend Quality Time with Family
Christmas is a time of celebration and family gatherings.
However, you must make sure you are spending quality time with your loved ones can make the holiday much more enjoyable.
This may be easy or difficult depending on your family situation. Yes, spending time with your family and friends during the holidays is important- especially for kids! Just make sure you can look back and enjoy the day.
Tip #3 – Get Outdoors
On Christmas Day, go outside and enjoy all the fitness opportunities that a cold day has to offer.
Many people stay inside their buildings and homes for the holidays, but outdoor time is actually beneficial. The colder the weather, the better, because when your body is cold even a small outing helps release some of the heat that has been gathering in your body.
Getting outside will help you stay away from any possible triggers, too!
Tip #4 – Spend Less Money
It’s Christmas, the most wonderful time of the year.
Christmas is often a heavy financial burden for many individuals who are required to buy gifts and arrange an evening meal for loved ones.
All the extra expense can sap people of the energy and life they relish in the rest of the year, hence leading to depression which leads to a number of other health complications.
So, plan your Christmas budget ahead of time, so you can walk away happy.
Tip #5 – Remember the True Reason for Christmas
Christmas Day is one day of the year that is meant to be enjoyed and celebrated.
Yet, we tend to forget the true reason for the season – the birth of Jesus Christ.
While we are called to celebrate in community, keep the real reason at the center of your get-togethers with family and friends, and enjoy some of the traditional festivities.
What activities are open on Christmas day?
First of all, before you go, check online or call to see if the business is open.
Typically, you can find convenience stores, gas stations, movie theaters, and some restaurants open on Christmas.
Also, many local attractions may be open as they are focused on the activities they can provide.
Just be prepared for possible long wait times and always be sure to tip well.
Best Holiday Memories for the Season
Ultimately, those are the fun things to do on Christmas day are activities to experience.
Christmas is a time of joys and festivities, giving gifts to friends and family, and decorating your home with Christmas lights or greenery. But the best day always comes when it’s over!
Just remember…
Have Fun!
Remember that Christmas is a time to enjoy and celebrate the birth of Jesus Christ. It is not just about shopping, eating, and being with family.
Relax! Take a break from your hectic schedule and enjoy the priceless gifts you have been given.
Find More: 101 Fun Things To Do With No Money
Know someone else that needs this, too? Then, please share!!
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Yotta is a financial technology app backed by Evolve Bank & Trust, member FDIC. It includes a checking account with debit card, a savings account with multiple goal-based subaccounts, and a secured credit card with no interest or fees. It also has social features, including a product roadmap that incorporates user feedback into new features and capabilities.
Unlike most traditional checking and savings accounts, Yotta’s deposit accounts don’t earn interest or rewards on balances. Instead, everyday financial activities like debit card transactions and paycheck deposits earn opportunities to win cash prizes.
Actual winnings vary, but Yotta claims the average user can earn an amount equivalent to 2.70% annual interest (APY). Yotta draws prizes daily with a maximum potential daily prize of $1 million (though this is extremely rare).
What Sets Yotta Apart?
Yotta does things differently from most financial apps. It really stands out from the competition for:
Prizes on balances and transactions rather than interest or points. Yotta’s most unusual feature is its prized-based rewards program. Debit card purchases, paycheck deposits, and other activities earn you prize entries or instant cash rewards, but there’s no way to say for sure how much you’ll earn until those entries or rewards hit your account.
Social features like the Yotta Roadmap and prize pools. Yotta is more social than the typical fintech app, and certainly more so than traditional banks. Yotta Roadmap is a standout feature that gives users a peek into Yotta’s future plans and takes user feedback. Prize pools allow groups of users to pool prize entries and share the winnings, increasing their chances of winning (and overall winnings).
Secured credit card with no interest or fees. Yotta offers a secured credit card with no annual fee or interest charges. It’s secured by your Yotta account balance and uses that balance to pay off charges automatically each month. In other words, it’s a low-risk, low-cost way to build credit.
Is Yotta Legit?
Yes, Yotta is legitimate. You can safely hold as much as $250,000 in your Yotta account because Yotta offers banking services through Evolve Bank & Trust, an FDIC member institution with full FDIC insurance coverage.
You can also count on Yotta to pay out promised prizes. Yotta’s website is thick with testimonials from real users who’ve won real money through the app. While your overall odds of doubling your purchase or paycheck value are quite low, and the average return on Yotta balances is actually a bit lower than the top high-yield savings accounts, Yotta isn’t a scam.
Key Features of Yotta
Yotta works differently than a regular old checking or savings account. To make sure it suits your needs, take a few minutes to understand how its features and capabilities fit together.
Yotta Debit Card
Yotta comes with a Mastercard debit card accepted wherever other Mastercard products are. You can use this card to withdraw cash with no surcharge at about 55,000 ATMs in Yotta’s network.
Early Direct Deposit
If your employer or benefits provider qualifies, and most do, you can get your direct deposit up to two days early with Yotta. So if you normally get paid on Friday, you get your money on Wednesday.
Yotta Credit Card
Yotta offers a secured credit card that can help you build credit over time with responsible use. It’s secured by your account balance, which is also the maximum credit limit. To increase your credit limit, just deposit more cash into your Yotta account.
Unlike most credit cards, the Yotta card charges no interest or fees. At the end of each statement cycle, Yotta automatically pays off your card balance out of your cash balance, so there’s no risk of a late payment.
Yotta Boxes (Cash-Back Rewards)
Yotta’s answer to cash-back rewards is the Yotta Box.
Every time you make a debit or credit card purchase or receive a direct deposit, you get a box with a pre-assigned amount of cash in it. You don’t know the amount until it’s in your account.
Each box can have as much as 100% of the transaction or deposit amount in it — or nothing at all. Yotta isn’t totally transparent about how it sets box amounts, but it does provide app-wide data for the past 30 days.
According to the most recent figures available (as of early May 2023), about half of all debit and credit card transactions earned some amount of cash back. About 1% earned the full transaction amount, meaning the transaction cost nothing out of pocket. About 0.3% of direct deposits earned the full deposit amount, effectively doubling the winners’ paychecks.
Yotta Tickets (Prize Drawing Entries)
Tickets are the second way Yotta rewards users. Each ticket is a separate entry into Yotta’s daily prize drawing, which doles out prizes worth up to $1 million to multiple recipients.
Most winners earn far less — a few dollars at a time — but some earn hundreds, thousands, or even tens of thousands. Yotta keeps a running winners list with testimonials from actual big-money winners.
You get tickets for simple financial activities you already do regularly:
Making debit or credit card transactions
Receiving a direct deposit
Paying bills from your Yotta account
Making a one-time or recurring savings deposit
Like the contents of each Yotta Box, the number of tickets you receive for these actions varies seemingly at random. For example, you can earn up to twice the dollar value of debit and credit card transactions in tickets, but the average is lower — about 1.15 times the transaction value, according to Yotta. On a $100 purchase, that’s 115 tickets.
Prize Pools
Yotta’s prize pools feature lets users band together to combine their tickets ahead of each daily drawing. Each pool member’s prize share is proportional to the number of tickets they allocate to the pool. You can customize your allocation as you wish — reserving some tickets for yourself and the rest for the pool, or contributing them all to the pool.
Yotta allows public and private pools. Private pools are limited only to authorized participants, like members of your immediate family or a work group. Public pools are open to anyone with a unique invite code that any member is free to share.
Savings Buckets
Yotta offers savings subaccounts called buckets. You can set up as many as you wish, each with its own goal or purpose but all with the same basic features.
Transfer funds from your Yotta spending account or a linked external bank account to an individual bucket
Split inbound transfers between as many buckets as you wish
Transfer funds between buckets
Set up recurring transfers into one or more buckets
Lock individual buckets to prevent withdrawals before you reach your goal
Mobile Features
When it first came out, Yotta was only available as a mobile app, and the experience is still better on a mobile device. Notable mobile features include mobile check deposit and peer-to-peer payments using Yotta Pay.
Yotta Roadmap
The Yotta Roadmap is a social feature that takes feedback from users, incorporates that feedback into new Yotta features (or not), and provides a look ahead at new or updated Yotta capabilities. Yotta doesn’t incorporate every user suggestion it receives or provide total visibility into its operations, but it’s still far more transparent than your standard fintech app or bank account.
Advantages
Yotta is mobile-friendly and fun to use, and it offers multiple ways to earn valuable prizes for everyday financial activities.
No maintenance fee and only a token minimum balance. Yotta has no monthly maintenance fee. The only catch is that you need to keep at least $5 in your account, otherwise Yotta reserves the right to close it. That should be no sweat for most users.
Potential to win truly valuable prizes. Yotta offers the possibility, if not the guarantee, of earning far more in prizes and random cash back than you would with a traditional rewards credit card or savings account. The daily prize jackpot is $1 million, though most winners receive a small fraction of that.
Prize pools boost winning odds. Just like pooling cash to buy lottery tickets with friends, family, or colleagues, Yotta’s prize pools increase members’ odds of winning something in each drawing. Even if you don’t win, it makes the experience more fun.
Partial transparency around prizes and winners. Yotta’s ticket allocations, box amounts, and prize drawing process are proprietary. Ordinary users have no visibility into them. But to its credit, Yotta does keep a running list of prize winners, ticket allocations, and box amounts. This builds confidence and ensures you have at least some idea of what you’re getting into.
Users have a say in Yotta’s future plans. The Yotta Roadmap is another social feature that gives users the sense that they have a stake in Yotta’s future. Even if you have no big ideas for Yotta, seeing its future (and already executed) plans mapped out is super-useful (though not all are guaranteed to come to fruition).
Mobile-first approach. Yotta is a mobile-first platform. Its mobile app came out before its desktop version, and it still looks better on a small screen. That’s good news for anyone who does some or all of their banking on the go.
Secured credit card can build credit at lower cost and risk. With no interest or fees and an automatic payment process, Yotta’s secured credit card is legitimately innovative — and consumer-friendly. If your credit needs work, it’s a good place to start.
Disadvantages
Yotta has a few important disadvantages, some of which might not be obvious to would-be applicants.
Lower yields than the top savings accounts. Yotta says its average annual savings reward works out to 2.70% APY. Basically, this is what you can expect to earn, combined, from Yotta prizes and instant cash. While better than the big banks, it’s not up to par with current yields on the best high-yield savings accounts.
Earnings aren’t predictable. Because they’re random prizes and cash rewards, Yotta account earnings aren’t as predictable as fixed interest or rewards rates. There’s no reliable way to calculate your monthly earnings in advance, as is the case with a traditional bank account or credit card.
Not all debit card and credit card purchases earn rewards. Another downside to Yotta’s rewards structure is that about half of all debit and credit card purchases earn no rewards at all. If you use your account only occasionally, you could go days or weeks without earning any cash or prizes.
How Yotta Stacks Up
Yotta is markedly different from traditional bank accounts and even most new fintech apps, but it still competes against them. Before you open an account, see how it compares to another popular mobile money management platform: Current.
Yotta
Current
Balance Requirement
$5 minimum
None
Monthly Fee
$0
$0
Yield
2.70% on average, but highly variable
4.00% APY on eligible balances
Spending Rewards
Variable, based on prize entries and instant cash
Up to 7x rewards on debit card purchases
Early Direct Deposit
Yes
Yes
Credit Card
Yes
No
Deposit Insurance
Yes, up to $250,000
Yes, up to $250,000
Final Word
Not all bank accounts are the same, but it can feel that way sometimes. That makes choosing your next bank account — or mobile money management app — a more difficult, overwhelming prospect.
Yotta is different. There’s no mistaking it for a traditional bank account, and its unusual prize-based rewards structure sets it apart from fintech apps that are otherwise quite innovative. If you’re looking for a truly novel banking experience that’s social, fun, and rewarding, it should be on your short list.
Then again, the same features that make Yotta so fun and interesting can also negatively impact your experience with it. It’s impossible to predict how much your balance or spending earns from month to month, and even by Yotta’s calculation, the expected annual return is lower than the best savings accounts. If you value predictability over serendipity, Yotta might not be right for you.
The Verdict
Our rating
Minimum Balance/Deposit: $5
Maximum Balance: None
Monthly Fee: $0
Rewards: Varies based on prize entries
Yield: 2.70% APY on average
Additional Benefits: Early direct deposit, mobile check deposit, secured credit card
Banking Services By: Evolve Bank & Trust, member FDIC
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he’s not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.
When it comes to the best places to live in America, it’s more than just civic pride that earns a place a spot on the list. U.S. News & World Report recently published their list of the 100 best places to live in the USA, analyzing elements such as value, desirability, a strong job market and a high quality of life. If you’re looking for your next location and want to pick from the cream of the crop, check out some of these cities as your next potential target.
The Top 10 Best Places to Live According to US News & World Report
#1: Austin, TX
Love music? Crave more culture than you can shake a stick at? Then Austin, TX is the place for you. According to the study, about 50 people move to Austin every day. Cited as “Live Music Capital of the World” and home to two of the country’s biggest music, film and media festivals with Austin City Limits and South By Southwest, it’s no surprise it’s a hot destination for many renters. Find apartments in Austin, TX
#2: Denver, CO
Known as the “Mile High City” due to its towering 5,280 feet above sea level elevation, Denver has recently shed its image of a wild west mountain town for a more cosmopolitan image. Though it’s undeniable that it is a perfect location for snow sports enthusiasts, Denver’s progressive attitude towards the legalization of recreational marijuana and its related industries has certainly seen a hike in the city’s desirability. Not a nature lover or fitness nut? There’s an emerging arts and brewing scene here that can’t be overlooked. Find apartments in Denver, CO
#3: San Jose, CA
Do you know the way to San Jose? Though the famous lyrics may not know how to get there, it would appear that renters across the country do. Nicknamed the capital of Silicon Valley, it’s little wonder that this California stalwart is huge for those in tech. It’s not all business, though — San Jose is also great for hiking, camping and enjoying the great outdoors. Bonus: San Jose has over 300 sunny days a year, so feeling those mid-winter blues will be a thing of the past. Find apartments in San Jose, CA
#4: Washington, DC
It’s more than politics that drive people to move to the nation’s captial, and everyone from foodies to culture vultures can find a neighborhood that suits them perfectly. DC is home to a terrifically extensive public transportation system, so getting around without a car is easy. Additionally, the city is full of public parks, meaning you can still have fun in the great outdoors without losing the heartbeat of an urban environment. Find apartments in Washington, DC
#5: Fayetteville, AR
Arkansas? Really? You bet. Full of good old-fashioned southern hospitality and currently feeling an economic boom, Fayetteville attracts those that crave a friendly, family-type atmosphere. Its close proximity to the Ozarks makes it a destination for lovers of the outdoors, and the city speaks to those who love the arts and local food movements. Find apartments to rent in Fayetteville, AR
#6: Seattle, WA
Surrounded by beautiful landscapes and home to a hip, urban environment, there’s a lot more to Seattle than just grunge and coffee. The people here personify “laid back,” making it a hot spot for start-ups and tech firms of all sorts. Despite the hills, bike commuting is popular, and there’s an extensive bus system that runs throughout the downtown area. And no — it doesn’t rain all the time. In fact, New York City actually gets more rain annually. Find apartments in Seattle, WA
#7: Raleigh & Durham, NC
Part of the North Carolina Triangle, this area is pulling in about 80 new residents a day. Affordable rents and shorter commute times add up to a great quality of life factor in Raleigh-Durham which has attracted a younger population to the metro area. Kick back with one of the many local microbrews and enjoy the growing arts and music scene. With a lower cost of living than the national average, you’ll be able to afford the fun. Find apartments in Raleigh, NC Find apartments in Durham, NC
#8: Boston, MA
Drenched with history and flooded with culture, there’s a lot to love about Boston. Home to world-class educational institutions, hospitals, eclectic music and arts scene and one of the nation’s oldest ballparks, the people of Boston are a diverse bunch. Everyone from recent college grads all the way to retirees love the city, and each neighborhood offers up something different. Though considered expensive comparatively to the national average, it’s money well spent for a city like this. Find apartments in Boston, MA
#9: Des Moines, IA
“Is this heaven? No, it’s Iowa” as the famous line from Field of Dreams said — and Des Moines is no exception. This midwest gem may not sound like a must move destination, but it’s got it where it counts. Despite its population of 600,000, Des Moines has a neighborly feel making it a popular place to raise young families. With rents and cost of living below the national average, it’s worth consideration as a great place to live in America’s crossroads. Find apartments in Des Moines, IA
#10: Salt Lake City, UT
Though Salt Lake City has devout roots in religion and Mormon faith, this city definitely changes with the times. Lovers of the great outdoors revel in the close proximity to five national parks and a few excellent ski resorts, while those with more urban leanings find fun in the city’s sports teams and many downtown entertainment options. Cost of living is fairly inexpensive compared to the national average, and with more apartments and condos being built availability is high. Find apartments in Salt Lake City, UT
To read more about US News & World Report’s methodology, click here.
Are any of these cities on your moving bucket list? Do you agree with the report? Let us know what you think below!
If you’re looking for inspiration for a timeless holiday table, look no further. I am completely inspired by snowy white tablescapes at the moment – it’s the perfect way to create a modern, clean Christmas look.
This ditch the kitsch idea has me ready to say buh-bye to all of my superfluous tableware. The stacks of random decorative dishes are getting a little out of control after all. There is no need for a collection of antique china, or a massive set of holiday-specific stuff to set a celebratory scene. You can in fact, festive up the essentials – white dishes, classic flatware and timeless linens. All you need to add is a touch of greenery, white tapers and some personal touches to make them all feel seasonal.
Replicating this look is easy thanks to the new home brand SNOWE. They can be your one stop shop for the quality pieces you know you should have invested in by now. Everything is designed with a minimalist sensibility and eliminates the paralysis of too much choice when it comes to stocking essentials. SNOWE’s founders, Rachel Cohen and Andres Modak totally get it. Upon graduating from business school and moving back to NYC to set up their apartment, they realized that the world of home decor was overwhelming and cluttered. In response they got the idea to design and create the must-haves. As they explain:
“One night we’re throwing a dinner party. The next, we’re eating cereal on the couch. And through it all, we want to be surrounded by quality and thoughtful design that’s also attainable. And that’s why we created SNOWE: to bring people everywhere home essentials made from the best materials in the world, thoughtfully designed to be used over and over, for every moment and milestone.”
SNOWE’s dinnerware comes in timeless white (white dishes are known to make food look more appetizing) and made of the highest quality Limoges porcelain – it’s known to be super durable. Glassware is all made in Italy. I’m obsessed with the Essential Glass. There’s something about drinking wine out of a more utilitarian, stemless glass that makes it feel modern. Kind of European. I’m into it. Also, this dine and serve starter set is particularly tailor-made for a house-warming or wedding present. It’s kind of making me want to ditch all of my current stuff and restock my kitchen. SNOWE also offers bath goods and bedding that are all simple and streamlined by design — and available in sets — but a serious step up in quality then you get in places like giant blue box stores that shall not be named.
But back to your holiday table. If you need to build out your set of stemware to host a party of more than four, or make sure you have proper linens in your arsenal (because everyone should), there is no better time to ensure you – or your friends – are ready to play host. I’ve got my eye on this set of grey carafes and essential, use-for-anything-you’re-drinking, glasses. They’d add a bit of texture to a holiday table without being overwhelming. Whether you are looking for a hostess gift or need to up your own tabletop game, you will definitely find what you need with SNOWE.As they say themselves, SNOWE is meant to offer “everything you need and nothing you don’t.” I’ve selected my favorite picks from SNOWE for all the dinner-party throwers out there. These would be the perfect pieces to give to others or grab to get you through the entertaining season looking like you have your s*** together.
GET THE LOOK:1 serving bowls / 2 linen cocktail napkins / 3 rinse & repeat and staycation candles / 4 wine glasses / 5 carafe and glassware set / 6 4-piece table setting / 7 hostess set / 8 champagne bucket
And to help whet your dinner party-throwing appetite, SNOWE is also offering Apartment 34 readers 15% OFF all orders with code Apt34xSnowe. This offer is valid until December 11 @ 11:59 PM EST. To start your shopping CLICK HERE.
image 1 photography & tabletop design by homey oh my / image 2 unknown
This post is in partnership with SNOWE. all thoughts are 100% my own. thanks for supporting collaborations we’re excited about and that keep apartment 34’s doors open.
For anyone who’s dreamed of having their own little private pool with infinity views out over the ocean, the Waldorf Astoria Los Cabos Pedregal delivers — and for the points and miles enthusiasts among us, award nights can be surprisingly accessible.
Not every piece of this rugged paradise is perfect, though my recent stay came pretty close. Here’s a closer look at the Waldorf Astoria Los Cabos Pedregal.
The basics
The resort, part of the Hilton Honors portfolio, is located on the southern tip of Baja California Sur in Cabo San Lucas, Mexico. It first opened in 2009 and was rebranded to a Waldorf in 2019; it’s one of just 34 Waldorf Astoria properties worldwide.
Other things to know at a glance:
Standard check-out time: Noon (later for Hilton elites if available).
Cancellation policy: Varies from as little as 14 days out during the off season to 90 days out during peak times.
Room types: Starting with standard rooms up to larger casitas and multi-bedroom private villas. There are 115 rooms and suites in total on the property.
Transportation: Los Cabos Airport (SJD) serves several hubs on all the major U.S. carriers. The hotel is about a 40-minute drive or cab ride away (Uber isn’t allowed to do pickups). If you’re adventurous and packed very light, the slow but comfortable Ruta del Desierto bus from the airport’s domestic terminal can get you as far as Puerto Paraiso mall, a mile from the resort, for $5. On the other end of the cost spectrum, private transport can be arranged with the hotel.
Parking: Complimentary valet parking.
Location: Along the southernmost stretch of beach in town, a 15-minute walk from the tourist center.
This property stands out even among other luxury properties in Los Cabos because every unit, from the standard rooms on up, comes with its own (small) heated pool. We’ll have plenty more on those pools below.
Booking with points
Paid rates all-in start at just over $1,200 a night for a standard room, but at high season those rates can more than double.
Awards start at 120,000 points per night for a base room, in which case your redemption would be worth no worse than 1 cent per point and easily north of 2 cents per point at peak periods.
As with many things in award travel, fortune favors those with the flexibility to drop everything and go. When I booked this with points in mid-March, every single day for the rest of the month was available at low-level award pricing:
What’s more, Hilton elites get every fifth night free when booking five or more consecutive standard award nights, which can effectively reduce the per-night rate to 96,000 points.
Watch out, though: Rates can jump to over 1 million points per night based on demand.
At last check, no 120,000-point dates remained for the winter 2023-24 travel season. If that’s when you want to go, watch award availability like a hawk, as it seems to come in waves.
🤓Nerdy Tip
American Express Membership Rewards transfer to Hilton Honors points at a 1:2 rate, meaning 60,000 AmEx points could theoretically cover a night here. If you prize luxury hotels over fancy flights, it’s a decent value.
The base room for award bookings is a Pacific View King. In my recent stay and a prior stay in 2021, the Hilton Honors Gold status conferred from holding the Hilton Honors American Express Surpass® Card ($95 annual fee; terms apply) scored me a double upgrade to an Ocean View Deluxe room. It’s the same size as the base room with a full, unobstructed ocean view.
Around the resort
Design and layout
Cabo itself is situated in a landscape where desert, mountains and sea all seem to collide, and the resort’s design blends well with its surroundings.
In fact, you actually have to go through a little mountain — via a chandelier-lit tunnel — to get to the resort from town.
I arrived on foot, passing through a security checkpoint before getting whisked through the short tunnel on a golf cart. Once on the other side, I arrived at the open-air check-in lobby, where I was greeted with a welcome margarita.
While standard check-in time is 3 p.m., I arrived at noon, which gave me some time to explore the grounds before the desk texted me around 1 p.m. to tell me my room was ready.
Beyond the lobby, the resort sprawls out over 24 beachfront acres along and up the base of the mountainside.
Most common areas are grouped on two-tiered levels; it only took me a few pleasant minutes to walk from one end of the resort to another.
The tiered design assures that every unit has a view of some kind, although some views are better than others.
Generally speaking, the higher on the property you go, the more expansive the view — but the more you’ll see between you and the ocean.
In terms of privacy, it can vary wildly. The outdoor spaces of some of the casitas around the pool are quite exposed, as are the lower levels of some of the larger buildings. I wrote ahead to request a more private room and was happy with what I wound up with.
Although the resort’s design can feel somewhat spare from the outside, the small details stand out once indoors.
Food and beverage
The property features four restaurants ranging from fancy to poolside casual, along with three bars and a coffee shop.
As a Hilton Honors Gold member, I could enjoy the $34 continental breakfast buffet for free at Don Manuel’s, which is open for all meals of the day but serves breakfast starting at 7 a.m.
Continental breakfast included granola, fruit, cereal, coffee, freshly squeezed juice and a selection of pastries.
For an upcharge of $13 (including taxes) I upgraded to the Mexican breakfast, which included made-to-order huevos rancheros, chilaquiles, omelets and a rotating daily special, among other hot items.
For the sheer selection alone, it’s more than worth the price to upgrade, especially since you’re allowed to sample as many items as you’d like.
Everything I tried was good, but the most memorable items I had were the crackling, delicious buffet pastries and a spiced hot chocolate.
The highly regarded (and priced to match) El Farallon is open for dinner from 5 p.m. to 11 p.m. I didn’t partake during my short stay, although if I carried the Hilton Honors American Express Aspire Card ($450 annual fee), this would be a solid way to use up much of the $250 annual Hilton resort credit that comes with the card. The cliffside location looked stunning.
Meanwhile, a recent addition to the resort’s bar offerings is Agave Study at Peacock Alley, which offers mezcal and tequila tastings paired with local bites.
Down on the beach you’ll find a separate champagne bar with swings for chairs, a fun place to spend a few minutes even if you’re not indulging.
Additionally, the resort offers cooking and cocktail-making classes for a fee.
Pools and hot tubs
The hotel features two main pools, one for adults and one for all ages. Each was consistently busy during my stay; these photos are generally from early in the day.
Both pools are designed with an infinity-style setup overlooking the long beach, which is shared with a few other hotels but felt secluded otherwise, given that it’s essentially cut off from the town proper.
The adults-only pool boasts a shaded swim-up bar, while the family pool features a built-in hot tub.
Just see an attendant and they’ll set you up at an available lounger with umbrella shade as desired. Sunscreen is available at both pools, too.
Poolside service was prompt and friendly, with several small water bottles delivered in a bucket of ice as soon as I got settled. (That said, I far preferred spending time in my own little balcony pool, where it’s a lot easier to imagine you’re the only one at the resort.)
Staff occasionally comes around with free popsicle treats, which is a nice touch.
Farther up from the beach are a small circular kids pool, suitable for splashing around, and a pool reserved for spa guests with small waterfalls built in.
🤓Nerdy Tip
As with most beaches around Cabo San Lucas, the ocean here isn’t really suitable for casual swimming due to waves that crash like thunder, plus an immediate, steep drop-off into deep water. For a more peaceful wave experience, take a short ride to busy Playa el Medano or a longer trek to gorgeous, less touristy Playa Palmilla.
Other amenities and extras
Elsewhere at the resort, you’ll find:
The aforementioned spa, with a full complement of paid treatments.
A kids club, which offers “family movie nights, curated programming, scavenger hunts, Spanish classes [and] cooking adventures,” the resort says.
A business center (basically just one room with a computer) and meeting facilities.
A well-appointed fitness center with yoga and a variety of other classes available.
A gift shop.
Two tennis courts.
Additionally, you’ll receive an email before arrival outlining the various paid excursions the resort is happy to set up for you, including land and sea activities.
In the room
Once my room was ready, I was escorted over and given a full tour by the agent who had checked me in. My unit was on the third of four floors of Building 1, beachside on the edge of the property next to El Farallon.
Previously, I’d stayed in Building 3, higher up near the lobby. The views were excellent in both cases, but I preferred Building 1 because there was no visual distraction between me and the beach/ocean.
The star of the show was the infinity ocean-view balcony and plunge pool, which is roughly 12 feet long by 4 feet across. It’s 3 feet deep with a full-length step-down that can seat at least 4 comfortably.
While nobody would confuse this for a full-size pool, you can paddle around and even do mini-laps if you desire. Or you can sit, stretch your legs, soak for hours, and (in season) scan the horizon for whales — your choice.
The only whales I spotted were a couple of cruise ships as they meandered past, alas.
The plunge pool got good morning sun but was shaded for most of the day, which I actually appreciated. It’s kept at a comfortably warm temperature (between 80 and 84 degrees year-round, the resort says) and felt nice even on mild 65-degree nights.
The balcony features slanted privacy slats on the side making it easy to see out while shielding others from seeing in. There’s plenty of comfy seating, although I wouldn’t have minded a full-size lounger in lieu of one of the two small sitting couches.
In terms of outside noise: I didn’t hear much of anything while in my room (score one for the soundproofing), but on the balcony, it’s pretty much impossible not to hear others nearby enjoying their outdoor space. If you’re anywhere near a main pool, you’ll likely hear that during the day, too, but it’s nothing a good pair of earbuds can’t cancel out. At night, all I could hear with my balcony open was the sound of crashing waves.
The room was a cozy 856 square feet, which included a knob-controlled fireplace and an oh-so-comfy king bed. (The square footage includes the outdoor space, too.)
The open bathroom boasted a rain-water shower and a large soaking tub with a loofah and what looked like honey but was actually bubble bath solution. It also had a mini seating area that functions as a visual buffer as much as anything else.
Toiletries come in the form of pump-style bottles meant to carry over from guest to guest, a slight letdown to those who like to take home leftover samples of fancier stuff than we’d otherwise use day-to-day.
Rooms include complimentary mini-bars stocked with water and soft drinks. (Did I get in touch in advance to request a fridge full of zero-calorie Coke products? Maybe…)
🤓Nerdy Tip
Tap water in Mexico isn’t safe to drink, but the staff will bring you as much water as you need upon request for free. As far as room service dining goes, that’s available too, but for an extra cost.
Also in my room, and complimentary for all guests, was a 200 mL bottle of Clase Azul Reposado tequila (a roughly $40 value and equivalent to four or five shots) with a ramekin of warm nuts, along with some apples. The tequila bottle is yours to take home and makes for a nice keepsake of your stay.
Every unit on property, from standard rooms to stand-alone villas, also includes the following:
A Nespresso machine.
Plush bathrobes for use during your stay.
A set of binoculars, useful for whale-watching.
A nice toiletry bag that was stocked (rather sparsely, in my case) with mouthwash, shoe shine, a sewing kit and a shower cap. The bag is yours to keep.
A beach bag, also yours to keep.
Free Wi-Fi, which was reliable all over the property (at least for basic internet browsing).
An afternoon snack of warm tortilla chips served with outstanding guacamole and pico de gallo, plus a pair of Corona beers, available from 4 p.m. to 6 p.m. and delivered upon request. (The hotel has a chat feature in the Hilton app that makes this or any other request seamless.) On both of my stays the resort accommodated my request for margaritas rather than beers.
A safe to lock your valuables.
An evening turndown service is offered in addition to morning housekeeping, but allow a wide time window for both. When asked at check-in when I’d prefer my turndown I said 8 p.m., but it wasn’t done yet when I returned to my room a little before 9. By then, I was ready to fall asleep to the crashing waves and texted the front desk to (nicely) say never mind.
🤓Nerdy Tip
I initially thought I’d have to unplug a lamp by the bed to charge my phone, but upon looking more closely, I found that the night tables have a well-camouflaged set of plugs and USB outlets on the sides adjacent to the bed.
Larger suites and stand-alone villas might include such extras as a fire pit, a larger private pool, beach hammocks, a full kitchen or even a dedicated butler.
Beyond the resort
If you’re staying longer than a couple days, it’s well worth budgeting some time to get to know the Cape region, preferably by car.
CentralCabo San Lucas(just outside the resort) exudes an overtly touristy party vibe that might not be for everyone. Large cruise ships dock here often, and strolling the pedestrian zone that encircles the marina is a great way to feel like you’re back in the States.
That said, if it’s endless shopping you’re after, check it out — just try to time your visits to avoid those midday cruise crowds. You can walk through the tunnel into town or request a golf cart to take you as far as the outer security gate, from which the marina is a 5-minute walk.
San Jose del Cabo, closer to the airport, is San Lucas’ more sedate, artsy counterpart. The strollable streets of its compact central core radiate from Plaza Mijares, a large car-free public square. A pleasant walk (or bike ride, along separated green lanes) southward along the estuary and then westward alongside the beach resorts is a pleasant way to pass a couple of hours.
If you like San Jose, you’ll likely love Todos Santos, an even more charming, artsier outpost about an hour north of San Lucas. Even farther afield, La Paz is known for its pretty colonial downtown. The largely unspoiled East Capeis also worth exploring, but you’ll want a 4×4 to access many of its jewels.
When to go
Cabo San Lucas has a dry, relatively mild season from roughly December through March. The rest of the year is warm to hot, with rains mostly confined to August through October. Hurricanes are a factor to consider; for instance, Hurricane Kay brought heavy rains as it passed just west of Cabo in September 2022.
For me, the sweet spot for visiting Cabo is between mid-November and New Year’s, when the ocean is still warm enough for comfortable swimming (at wave-free beaches) but the air temperature isn’t sweltering and rain chances are minimal.
The bottom line
When this property became bookable with Hilton points it was an instant darling in the world of award travel, and for good reason.
It’s more than just that warm pool of your own, where hours can easily slip away gazing out at the ocean with a pleasant margarita buzz.
It’s also the gracious service that’s there when you need it but never hovers, delivered with a palpable sense of pride that makes it easy to forgive a few relatively minor lapses.
Given that the base rate for many standard-issue Hilton properties these days is 40,000 points per night, it’s easy to wonder how much longer this oasis can be enjoyed for just triple that amount. Soak it up while you can.
This stay was independently reviewed and paid in full by the writer.
All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.
(Top photo by Brad Walters)
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By Peter Anderson35 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited May 6, 2019.
Christmas time is one of the most joyous times of the year at our house, but if you’re not careful it can also be one of the most expensive times of year. If you’re trying to cut down on spending, like we are at our house, it can become a challenge to find creative gifts to give.
Today I thought I would try to put together a list of ideas for some good frugal gifts that you can give this Christmas. (The frugality of the gifts vary from gift to gift, but I’ve linked some possibilities on Amazon. You can probably find some cheaper ways to put these things together yourself if you try.)
Check out the newly expanded list: 100 Frugal Christmas Gifts
50 Frugal Gifts
Baked goods: I don’t know any guy who wouldn’t love to get a box full of cookies, banana bread and pastries! (Hint: not good for someone on a diet)
If you’ve got an old laptop, make a frugal digital picture frame out of it!: At 14-15″ it’ll be bigger than most you buy at the stores, and cheaper since you’ll be using old parts!
Personalized Calendars: Most photo processing places will have these personalized calendars you can buy, or pick up pre-made ones in Target’s dollar bins. Get photos of you and the person you’re giving the gift to in each season, and place them in the appropriate month/season of the year!
Themed gift baskets: Give a themed gift basket. For example, a movie night theme basket with microwave popcorn, a movie or two, and some cheapo popcorn buckets from Target dollar bin.
Custom t-shirts: Create your own custom t-shirt for a family member on Cafepress. It’s cheaper than you might think!
Scrapbooks: Make a scrapbook for a close friend showng moments you’ve shared together. My wife did this for a friend’s wedding. Very meaningful.
Donation to a local charity: Give to a local charity in someone’s name. Make sure it’s a charity that they would actually give to.
Handmade Christmas ornaments: make personalized Christmas ornaments for your friends and family!
Board Games: buy a board game, a gift that gets the family together and keeps on giving all year long! Even better, if you can find some board games at garage sales or on ebay, create a themed game night gift basket (see above)!
Family history DVD: Put together a family history DVD with photos, writtten family histories, video and anything else you can think of.
Framed family picture: Take a picture at a family event, frame it, and give it as a gift!
Coupon Books: Make a personalized coupon book with such favorite coupons as “back rub”, “dinner” or “clean the house”.
Make a blanket: make a nice fleece blanket. Instructions here.
Make some custom painted wine glasses: Make some custom painted wine glasses, and then give them along with a bottle of wine. Instructions here.
Give a magazine subscription: My brother loves reading National Geographic and the Economist. We gave him subscriptions as a gift.
Romantic evening gift set: Candles and fake flower petals! Cheap and fun!
Keeping warm gift set: Give a gift set of hat, scarf and gloves. Add long underwear as well if you wish!
Leatherbound journal: buy a nice leatherbound journal at your local Borders or Barnes and Noble. They make for a nice gift. Add a nice pen if you want to pay a little more.
Craft Kit: Put together a crafting kit with things like markers, glitter, scissors, clay, crayons, glue, paper, etc.
Photo Collage: If you’re handy with Photoshop or another image editing software, create a photo collage/montage, print it out and frame it! Or if you don’t have Photoshop, print separate pictures and create a collage.
Movie Tickets: Buy a pair of movie passes or a movie gift card for someone to go see a movie. Not as cheap as it used to be :).
Buy a single stock: Buy a family member a single stock to get them started, and give them a copy of a finance book like Dave Ramsey’s Total Money Makeover (although you may want to stress that you’re giving it because it has helped you. People can get touchy about money related gifts)
Flannel Sheets and PJs: Buy a keeping comfy gift pack with flannel sheets and pajamas!
Coffee Lovers Gift Pack: Buy some gourmet coffee and a personalized coffee cup for the coffee lover on your list.
Set of soaps, towels and soap dish: Put together a nice matching set of hand towel and soap dish, and then give some handmade soaps.
Big breakfast gift pack: Put together a gift pack with pancake mix, batter dispenser, syrup and pancake mix-ins.
Puzzle day: Give a gift pack of a puzzle and snacks to eat while you do the puzzle!
BBQ Kit: Get some BBQ sauce from local source, and add it to a nice BBQ Utensil kit.
Basket of spices and seasonings: Put together a basket of seasonings and spices from a local spice or grocery store. Make sure to get a good mix for cooking, BBQs, etc.
Netflix subscription: Pay for someone to have netflix for a couple of months. If they have a connected device, they can even stream movies!
Deck of cards and book of card games: Buy a cheap pack of cards, and a book listing the rules of different card games. Good for hours of fun!
Cheap keychain digital picture viewer: Buy someone a cheap digital picture viewer keychain (around $20?) and fill it with pictures.
Bath time gift pack: Buy a nice wash clothe, some bath oils/beads and even some lotions at your local bath store.
Mix tape: Make a mix CD from Itunes with some of the person’s favorite music on it.
Botanicals: buy a nice low maintenance plant to brighten up their day, along with a small watering can.
Make a recipe box: If you’re good with wood, make a nice recipe box, and fill it with blank recipe cards.
An appreciation book: Get a nice journal, and write in it to the person about how much you appreciate them, things you love about them, shared moments and experiences and general encouragement. Even add a few photos.
Book gift pack: Find some books on your own shelf that you’ve already read, and put together a gift pack of books
Chocolate attack!: Put together a gift pack with all kinds of chocolate. Hot chocolate, chocolate bars, truffles, etc.
Car wash kit: Put together a kit for washing the car. Can include things like sponge, tire brush, bug remover, car soap, etc.
Regifted items: Did you get a 2nd crock pot last Christmas that you haven’t used? Give it away this Christmas (to someone other than who you received it from)
“That’s a spicy meatball” gift pack: Give them a nice italian dinner with a pasta bowl, pasta, strainer, fancy olive oil, pasta utensils and even some sauce.
Give your service: Good at cooking? Offer to come over and cook a gourment meal. Are you a designer? Offer your design services for free. Good with computers? Offer free tech support. You get the idea.
Wine and cheese gift pack: Buy a variety of specialty cheeses, crackers and a bottle of wine. Put it together and you have one gourment evening!
Picnic pack: Put together a picnic pack with a blanket, a basket, some cheap utensils and plates.
Sewing Kit & lessons: put together all the sewing essentials (thread, needles, pins, etc) and then give the person lessons on how to sew.
Gardening gift pack: Buy the person gardening gloves, gardening tools and some seeds. Put them all in a small bucket or waterging can.
Handmade jewelry: Make a handmade necklace or bracelet at a local bead or craft store. Give it as a meaningful gift.
Music lover’s delight: give an itunes gift card, along with a book about their favorite artist or band
Beer afficionado gift pack: Give a beer mug, snacks and gift card from a local brew pub.
A Birdhouse: Give your loved one of these bluebird houses so they can relax on the porch and watch the colorful avians.
Now that I’ve given you some ideas for some frugal Christmas gifts, why don’t you give us your own ideas! Leave a comment with your idea for a good frugal Christmas gift below!
More Ideas
50 ideas not enough? Here’s some more ideas for a frugal Christmas!
Everyone always wants their house to be pulled together for the holidays. I’m no different. But since I can’t make couches or rugs magically ship faster, I’m making progress wherever I can. Case in point: Our laundry room! I’d neglected to actually design the space before we moved into our new house. But now that the room is all dressed up nice, I can actually smile while doing my chores!
You may have caught the before pic of the space in this post. But in case you missed here it is again.
It was essentially nothing more than a tiny box with a giant washer & dryer in it! When it came to actually designing this space, I focused on 3 main goals.
Make it Functional: In the rush of the move, I didn’t put thought into the laundry room. I knew I wanted a front loading washer dryer for their easy loadability and capacity. But I got mine and just plopped them in there. I didn’t spend anytime thinking about how to optimize space, storage or really make the room work.
Add Storage: Now that I’m mom, I’m dealing with every kind of laundry dilemma under the sun. So the amount of stain boosters, whiteners and laundry pre-treaters have exploded. I needed to create space in our laundry room so there would be room for it all.
Make it Really Really Good Looking: Utility spaces can look just as good as any other room in the house. A few design tricks can make even highly functional spaces chic.
And if I do say so myself, I think I was able to achieve all three of my goals – though I’ll let you be the final judge.
Let’s talk function first. I selected the LG SideKick for my laundry room. I adore them, but they are a pretty big washer and dryer. They both sit on pedestals making them nice and tall. They are also rather deep. We nestled them into the wall as much as possible, but the room is relatively narrow. To get the storage I was craving, I had a custom shelf built that just fits over the two units. That shelf allows me to have everything I use daily – detergent and boosters like Clorox Control Bleach Packs at arms reach. I like that I don’t have to open any cupboards or move things in and out. Everything is right at my finger tips.
I was also able to capitalize on storage built into the LG Twinwash washer/dryer system itself. For one thing, the washer pedestal actually conceals an additional washer! That lets me do a quick small load, wash delicates or soak stained items in my favorite pre-treaters without needing an additional tub or bucket. Winning! The dryer pedestal is actually a storage drawer. That’s where I house all my laundry secret weapons like Clorox 2 Stain Remover, Clorox 2 Darks and Denim, Oxi Max Radiant White and the like. I love that it keeps all the packaged goods tucked away where I don’t have to stare at any labels. Again, winning!
The design elements of the room are where the form and function really come together. I started by installing beautiful Erica Tanov wallpaper to create a dramatic feature wall at the back of the room. I’m in love with the gold foil. It’s the perfect backdrop for my storage system. I worked with local organizing guru Bliss Haus to design a beautiful laundry storage set up. Everything is decanted into glass jars for a clean, uniform look. There are even jars to collect dryer lint and lost socks! The custom print labels are so cool. It really took the room to the next level. A modern white and wood metal Japanese basket holds spray bottles and scented room spray. Because sometimes laundry rooms just get funky.
I used jars with wooden lids from the Jenni Kayne to mix in a modern touch. To add even more texture, I added a vintage Moroccan dhurrie from St Frank to the floor. The golden tones warm up the room and tie in with the Erica Tanov wallpaper’s golden hue. My favorite design idea in the space might have to be the Meghan Shimek weaving I found at local San Francisco boutique The Podolls. I needed something to conceal our electric panel. The wall hanging does the job perfectly. A fiddle leaf fig and white textured planter from Flora Grubb adds life and a pop of rich color.
All these elements come together to create my dream laundry room. I can do loads and loads while loving my surroundings. One more room down. Many more to go!
Check out our entire archive of house updates and all the rooms completed to date HERE.
For more of my favorite house tours, CLICK HERE.
original photography for Apartment 34 by aubrie pick
This content was created is in partnership with Clorox.
Kanye West vs. Taylor Swift, Jimmy Kimmel, the CEO of Zappos and the entire world…
These are some of the best throwdowns in history! Well, at least to me. 🙂
Since I’m a financial planner and blogger, I don’t usually get many opportunities to throwdown.
That is until today….. Introducing The Grow Your Dough Showdown.
Boom!
Look how serious I am about this (Warning: the following picture may be scary to young children):
If you haven’t guessed it yet, investing is kinda my thing. I love investing and equally love encouraging others to invest for themselves.
The purpose for this throwdown is the following four reasons
Show you how easy it is to get started investing
Show you the plethora of online options available
Show you different strategies that you can try
Erase any doubts that you can’t do this on your own. Because you can.
Sound like fun?
The Players
There are a ton of online platforms that exist nowadays that you can invest with. In fact, a quick Google search for “online brokers” yielded over 62 million results.
Yowzers!
I don’t have time to use all of them (I wish!), so I had to weed it down to the 7 that I thought would be the most interesting and applicable to all of you.
Wanting a diverse selection I’m including a few traditional online brokers (like TD Ameritrade, Ally Invest), a few unique ones (Prosper).
Note: Motif announced it will be shutting down on May 2020 and transferring to Folio Investments. In turn, Folio announced it will be discountinuing their services on July 31, 2021. You can now sign up through Interactive Brokers as part of the final transition.
Related:
Here’s a brief rundown of each online platform:
TD Ameritrade
TD Ameritrade is another strong contender, and I’m excited to try out their platform myself. They’ve got 125 brick-and-mortar locations, but again the idea here is to be able to open and manage your account from the house. (In your pajamas. Eating cookies in bed. No excuses.)
They also brag about how you can open a Roth IRA in 15 minutes or less. And y’all know how I feel about Roth IRAs.
The company charges $0 per stock and ETF trade which is in line with where we want to be. (The $49.99 mutual fund trades are a no-no in my book, so I’ll stay away from these in this account.)
Even better? No minimum deposit is required to open an account and there are zero account maintenance fees.
TradeKing
If I had to pick two words to describe Ally Invest it would be… low… cost. Seriously low costs.
The company recently merged with Zecco, another online discount brokerage firm, in order to fight some of the bigger names listed here. Both companies made a name for themselves by driving costs down as low as possible. They actually kind of remind me of Southwest Airlines or JetBlue with their crazy low prices that undercut the competition.
In short, TradeKing offers stock and ETF trades for just $4.95. That’s 50% lower than TD Ameritrade. If I were going to trade a lot this is the brokerage I’d pick in order to keep my costs down.
Lending Club
This is where we start getting into some alternative investment ideas. We leave behind the relatively safe and understood realm of stocks, bonds, ETFs and mutual funds and enter the personal loan marketplace.
With Lending Club (and Prosper, below) you aren’t investing in ownership of a company. Instead you are buying ownership of a loan issued to a borrower through the website in what is called peer-to-peer lending.
Borrowers use the site to do one of my favorite things ever: pay off high interest debts like credit cards. They’ll get a loan for 11% and pay off debts at 22% which is what I call a major win.
Then those wonderful investors like you and me get to enjoy the interest from that loan.
Diversification is key here, but I’ll be sharing some strategies on how to minimize risk and maximize returns with Lending Club.
Prosper
Prosper was the first peer-to-peer lending website to really take off. Lending Club has given them a run for their money, and I kind of feel like Prosper has taken a bit of a reputation hit.
So I’ll open an account with both P2P websites with the exact same starting capital amount and the same investing principals, and we’ll see where everything turns out.
Motif
Motif Investing has a completely different take on investing. Instead of investing in mutual funds, ETFs, or individual stocks the company lets you invest in something called motifs.
Motif investing is a grouping of up to 30 stocks based around a macro economic idea. The company looks for macro trends like “people are fixing their homes” and then asks the question of which companies would benefit. The answer to that is home supply stores, home furniture stores, and the like.
They then seek out companies that fit that mold and weight them differently after doing an analysis on the firms. So you might end up with 25% with Home Depot, 1% with Pier One, and 7% in Bed Bath and Beyond.
That’s a motif.
A motif can be up to 30 stocks, and what’s even better is you can add and subtract from the motif to give you a completely customized investment. It’s like building your own personal ETF.
Once you have a motif or build one yourself you can trade in and out of that motif for a $9.95 trade cost. Instead of having to invest in each individual company and tailor your trades toward the allocation you want, you can instead just invest and trade in one motif.
The ability to create what is essentially my own ETF fascinates me, so I’m going to give this a try, too.
Note: On April 17, 2020, Motif announced the platform would be shutting down and passing over to Folio Investments on May 20th. In turn, Folio Investments announced in December of 2020 that it too, will be shutting its own doors around July 2021, after which it will transfer all accounts to Interactive Brokers.
Betterment
Betterment believes that investing is too complicated. Figuring out what asset allocation is, how and when to rebalance a portfolio, or just understanding which mutual fund to select can be overwhelming especially when you first start out.
Betterment Investing does away with that and instead offers you two investment buckets and a turn dial of risk. One bucket is index ETFs of stocks, the other is index ETFs of bonds. The risk dial let’s you determine what kind of a split you want between these two investments: 50/50, 75/25, or some other combination in between.
In short it is simple and really easy to get started with.
Tracking Progress
To make it easy to track the performance we’re using Personal Capital to track each outfit.
How It’s Going to Work
I’m funding each account with $1,000. Starting January 1st (or the 1st day the market opens), I’m going to invest the money using various strategies. We’ll then provide ongoing updates so you can see how I’m doing.
To make this more fun, I’ve solicited my wife to join me on this. Here’s how it’s going to breakdown:
TD Ameritrade: I’m going to pick some stock so you can see how awful awesome my stock picking isn’t is. Remember this is the same guy that lost $5,000 on a penny stock.
Ally Invest: Picking some blue chip dividend stocks and letting them ride
Motif: Selecting a “motiff” that I believe is a good one. I’m not even sure what Motiff means so this should be interesting.
Prosper: Going with the most aggressive portfolio with both. May the best P2P lender win!
Those are the online players that I’ll be utilizing for the year long experiment. We’ll be using the S&P500 as a relative benchmark. Timing wise this experiment might be the worse since we’re fluttering with all time highs in the market. To address that…..
A quick disclaimer: as a financial planner I need to say that investing should always be considered a long term strategy. This throwdown is meant to be both fun and education in nature. This throwdown is not and should not be treated as investment advice. Please see the bottom of the post for a more in depth disclaimer.
The Throwdown Just Got Serious
In true throwdown fashion, this wouldn’t be fun unless I had some other people throwdown with me, would it?
I’ve recruited some of my personal blogger friends to join in on the action with me. They have all agreed to open an account with a online broker of their choosing.
They will then begin investing the first day of the trading year and then write a post on why they invested the way they did.
They will also report back with performance results on how their $1,000 portfolio is doing.
The crew joining me for the ride:
We have some good diversity with the crew so I’m pumped to get this going.
Wanna Join?
If you’re interested in throwing down with you, you still have time. Here’s the rules that we have:
Open a new broker account of your choosing and deposit $1,000.
On January 1st (anytime around the 1st), you invest anyway you want (stocks, ETF’s, mutual funds, whatever). No margin allowed.
You can buy/sell as much as you want.
You cannot add any more than the original $1,000.
Write a blog post that publicly shares what you bought.
Track your return and report back to me so I can keep track of everyone that’s taking part.
Just contact me and I’ll get you added to the list.
Next Steps
At the beginning of the year, I’ll be publishing a mega post that outlines everything I’ve bought with each account. I’ll have screenshots showing you everything.
In fact, this will be probably be the most in depth post I’ve ever completed on the blog and I can’t wait!
Staty tuned…..
P.S.
In case I didn’t make this clear above: INVESTING SHOULD ALWAYS BE A LONG TERM STRATEGY.
Hope you caught that. 😉
****
Disclaimer:
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly. Content posted by third parties on this site is screened in order to protect clients’ privacy and comply with regulatory requirements. Content containing sensitive personal information, inappropriate language, information about specific investments, misleading information, information about other companies or websites, or information related to litigation will be removed. Content posted by third-parties on this site remains the responsibility of the party posting the content and is not adopted or endorsed by GoodFinancialCents.com or Alliance Wealth Management, LLC. Any opinions or statements posted by third parties are their own and may not be representative of the experience of others and are not indicative of future performance or success. Third party content on this site does not reflect the views of GoodFinancialCents.com and have not been reviewed by the principal owner, Jeff Rose, as to accuracy or completeness.
I am a huge believer in setting goals to help myself achieve more in life and in business. I love to make big real estate goals that are tough to achieve because I know they will help me accomplish more. Because I set really big goals, I do not always accomplish everything I set out too, but that is okay. I know I am still farther ahead not accomplishing big goals than I would be accomplishing small and easy goals. 2015 was a good year, but not as good as I hoped. I ran into many roadblocks (some of the same as 2014), but I also had many successes. Even though things did not go exactly as I planned, I had a great year, I have big plans for the future and I am going to challenge myself even more in 2016.
My goal articles for other years
Why do I like big real estate goals?
Before I get into exactly what happened and did not happen in 2015, I want to discuss goals. I overlooked goals when I was younger and it was a huge mistake. I thought goals were a waste of time and I never even tried to set any meaningful goals. When my career and life really started to turn around was when I accidentally set some goals as a real estate agent. I wrote out a very detailed plan on how many houses I would have to sell to make what I thought was decent money back in 2005. I gave that plan to my dad, who I was working with at the time to show him how unfair my commission split was. He didn’t change the split I was getting, but I did end up selling that many houses a couple of years later. When I wrote that plan, I thought it was an incredibly ridiculous number (100 houses a year). I know I would not have sold that many houses as a real estate agent if I had not written out that plan, even if it was by accident.
I started to make good money and I realized I wanted to make even more. So I started reading every book I could on goal setting, self-improvement and even “how to get rich”. I even took Jack Canfield coaching, which helped my career tremendously. Along the way, I learned a lot about myself, about habits I needed to have to be successful and how to continuously improve. Many people with life would get easier and are looking forward to a time when they can relax. I learned that challenges are fun, and solving problems is fun. Being bored with no challenges and an easy ride is not fun. I love Jim Rohn’s quote:
“Don’t wish life were easier, wish you were better.”
I started to realize I was in control of my life. If things weren’t going how I wanted them to go, I could change things by changing the way I did things. That may remind you of the saying:
“The definition of insanity is doing the same thing over and over again, but expecting different results.”
Honestly, this saying is one of my biggest pet peeves. First off, many people attribute this saying to Albert Einstein, but there is no record of him ever saying it. Second if this were true, 95 percent of the population would be insane. Sometimes doing the same thing over and over does change the results, if you do the same thing better and better every time you do it. While I think the saying sends a good message about trying new things if something is not working, it still bugs me that it is used so much and wrongly quoted to Eisenstein.
Making big goals is one reason I have accomplished so much. One of my biggest goals is to buy 100 rental properties by 2023. When I first starting buying rental properties I thought a good goal would be to buy 30 properties. I based this goal on my trend of buying 3 properties a year and thought I could continue that trend for ten years. After learning about goals and how to best use them, I knew I had to make my goal bigger. If I knew I could achieve my goal without changing much, I knew my goal was too small. I changed my goal to purchase 100 properties in the next ten years. That goal would challenge me to make more money, find new ways to buy properties or discover other ways to get more properties than I thought I could. While I am a little behind on my plan to reach 100 rentals, I am much farther ahead than my original goal to buy 30 houses.
What were my rental property, fix and flips, team and blog goals for 2015?
2015 rental property goals?
At the end of 2014, I wrote a goal article about what I had accomplished in 2014 and my goals for 2015. Below you will find the goals I set for 2015 and comments on how I did.
I want to get back on track buying as many rental properties as I can. I am going to flip fewer homes, which will give me more capital to buy rentals. I am also refining my direct marketing campaign, which should bring me more deals (I will have an upcoming article to discuss my direct marketing). I want to buy at least seven rentals in 2015 and that should put me closer to my goals of 100 rentals by 2023.
I only bought five rentals in 2015, which was less than my goal, but more than I bought in 2014. However, I am thinking about turning a couple of my flips into rentals, which would put me at my goal. I have one flip that I intended to sell quickly unless the tenants wanted to stay. The home was rented for $1,100 a month and I bought it for about $100,000. The tenants wanted to stay and we just upped their rent to $1,300 a month and they still want to stay. I have not done any work to the property and I think I may try to sell it as-is for $150,000 as with the tenants in place or I might keep it as a rental. My hesitation about keeping it as a rental is the location is a little different from most of my rentals.
I have another flip that I may turn into a rental as well because it is in a great location and could have a basement apartment. If I decide to make those properties rentals I would have met my 2015 goals. In fact, I may have surpassed them if you look at units because both of the new rentals would be 2 unit properties and one of the five other rentals I bought in 2015 was a 2 unit property as well.
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2015 fix and flip goals?
For 2015 I am not going to be as ambitious on my flipping goals. My goal for 2015 is to flip 10 houses and wholesale 5 to 10 more. I have 8 flips right now so reaching ten should not be a problem, but I might sell a couple I have now as wholesale deals. If anyone is interested in some Northern Colorado deals, let me know! There are a number of reasons I don’t want to flip 15 houses in 2015.
It takes too much babysitting of contractors and I would need to add at least a couple more.
It takes a lot of capital to fund all those flips and the repairs. I think all the flipping made it harder to buy rentals.
I can still buy as many properties, but instead of flip them myself, I could wholesale the properties.
In 2015 I will flip 9 houses. This is less than the ten I wanted to flip and I should have flipped many more. The biggest problem was I could not get houses fixed fast enough. I even hired a project manager full-time to get things done faster and it has not changed anything. I love flipping houses and I have realized that I am addicted to buying houses. I did wholesale two properties in 2015, which was nice. On both deals, I made close to $20,000 without doing any work at all. I would still be open to wholesaling more properties if the opportunity arises, but those were unique properties. One was in a very small town that was perfect to wholesale because it was 45 minutes away from me and the other was a college rental that needed a ton of work.
2015 real estate team goals?
For 2015 I want my team to sell 200 houses, which is a big pullback from my previous goal. REOs and HUDs are even harder to find in 2015 than in 2014, which will decrease our sales. However, the new team members and training we implement should increase the number of sales from the other agents. I also want to add a couple more agents and my goal is to have every agent on my team make $100,000 a year.
In 2015 we did add two new agents and almost added a couple more to our team. They have just gotten started, but are doing awesome so far. One of my agents that was hired in 2014 made well over $100,000 in his first year, which was awesome. We did not sell 200 houses, we sold 127. That is way below my goal, but our market keeps going crazy. Prices have increased and even though we sold fewer homes, the value of the homes was much higher. HUD homes and REO properties have decreased even more and the sales have shifted from me to my team, which is exactly what I wanted.
2015 goals for InvestFourMore?
For InvestFourMore I want to increase traffic, increase my relationships with other investors and blogs and continue to improve my investing strategies by learning as much as possible. Here are some specific goals:
300,000 views a month by the end of 2015
Implement a new real estate agent success system
Borrow private money through the blog in 2015
Improve or create a new forum for InvestFourMore
InvestFourMore has done awesome and I have the most fun working on it than I do anything else. I did not hit 300,000 views, but I am very close! I have a new source for private money, that was from the blog. I knew the investor before I started the blog, but he approached me about lending money after reading about my business on the site. I created the new forum and it has been a success as well. I also created a new Facebook Group, which has been very successful and you are all welcome to join. I did many more things with the blog, including starting a high-level mentor program (email me if interested: [email protected]).
2015 personal goals for 2015?
I don’t have any big goals for 2015 as far as car buying. I would love to buy an Aston Martin V8 or Lamborghini Countach at some point, but I don’t plan on doing it in 2015. I have personal income goals and a few more that I will keep private. I can’t share everything!
The year was a good one personally and I did not buy any more cars. I did meet a lot of great people and I started a new blog about cars: Howdidyouaffordthatcar.com. I have not had time to do too much with the site yet, but I plan to work on it little by little. I didn’t reach many of my personal goals for income, but I achieved many others I did set.
What are my new goals for 2016?
As you can see, I did not achieve many of my goals for 2016. That may seem like a disappointment, but it is actually a good thing. If I had achieved everything, that would mean I set my goals too low and did not challenge myself enough. I also know there is a lot of room for improvement! Below are my new goals and some things I plan to do to achieve them.
2016 rental property goals?
For 2016 I want to buy 10 more rentals! Yes, that is a huge number, but I think I can do it. Here are a couple of things I am going to change to reach that goal:
I am working on refinancing 8 of my rentals into long-term 30 year fixed rate loans. I am using some national portfolio lenders. I will pay a little higher rate, but have my loans locked in and get $300,000 in cashback. My properties will still cash flow and I will be able to buy many more rentals with that money that cash flow as well.
I am thinking about investing in other markets. I bought a turn-key property in Ohio in 2015, but for future rental property purchases, I want to buy below market value. In order to do that in another market, it will take a lot of work. My reason for switching markets is the huge appreciation we have seen here. It is getting harder and harder to find great cash flow.
I am looking for a new local portfolio lender. My portfolio lender is getting tougher and tougher to work with now that I have hit a certain dollar amount of loans with them. That is one reason I am considering refinancing 8 of my properties with another lender. I would also love to find a lender who does not have a seasoning period, which would allow me to refinance properties faster and get some of my investment back.
fix and flip goals for 2016?
For 2016 I want to flip 20 houses! Yes, this is another huge goal for the new year. This will double the amount of homes I flipped in 2015, but I think it is possible as well. It will be tougher if I decide to keep two of my current flips as rentals. Here is why I think I can make this happen:
I have ten flips going right now. I will get these ten flips sold in the first half of the year. I have two more flips under contract, which would leave me with 12 flips. I only have to buy 8 more, get them repaired and sold before 2016 is over.
I think I can buy and repair that many homes in the next year because I am changing my repair process again. I had a vision in place for 2015, which has not happened. However, I am going to make it happen in 2016 and that may take some big changes in the way repairs are handled.
I may look into more financing options with my flips. I already have a new private money lender who has made the process much easier. While he charges more than my portfolio lender does on my flips, I can close in a couple of days. I may look into adding more private money lenders as well.
real estate team goals for 2016?
For 2016 I want to hire another really good agent. I do not want to hire too many agents, because we don’t have space for many more! I also want to focus on getting leads for our team through our website FergusonGreeley.com. I think we have some great agents in place, we need to get them trained and performing as well as possible, before adding more. Again I want to sell 200 houses in 2016, this goal may seem too high, but one of these years I will get there! How will I meet these goals?
Focus on organic leads through our website, utilizing everything I have learned from InvestFourMore.
Use Facebook to generate leads and sales for our team (we already do this and have had great results).
Weekly training meetings and great support for our agents (we already do this as well).
Flipping more houses will generate more leads and opportunities for our agents.
blog goals for 2016?
For 2016 I want to keep increasing traffic and the number of people I help buy investment properties or make more money as an agent. Here are some goals:
500,000 views a month by the end of 2016. As a site gets bigger and bigger the traffic increase slow down. I still want to grow the site, but I also want to focus on helping people more than getting the biggest audience possible.
Focus on a few core things. With a blog or website, you can get sucked into 1,000 different activities that take a ton of time. I started a podcast in 2015, which has been awesome and should be a core activity, I think my coaching products should be a core activity and writing articles.
I want to write a really awesome book. I have written five eBooks that can be downloaded as a PDF or read as a Kindle eBook. I think the books are good, but I want to write an awesome book. I have already started writing an extremely in-depth book on rental properties that will be available as an eBook and a physical book that can be ordered and delivered to your door. I want this book to be the best rental property book available. I am also working on a book that I am co-writing with J Scott.
personal goals for 2016?
I don’t disclose what I make or how much I want to make on the blog because I try to keep at least a few things private! I do have personal income goals, business goals, and many other personal goals. Here are some long-term goals I added to my bucket list. I don’t have dates yet for when I want to accomplish these, but I am working on that.
Buy an old plantation and fix it up. I love old houses and old mansions. At some point in my life, I would love to buy an old plantation house and fix it up.
Start a used car dealership. I have already looked into starting a car dealership so that I can buy more exotic cars. I love cars and my dream job would be to buy awesome cars all day long, selling them is tougher for me. I met some really cool people this last year, including some guys who started a car dealership.
I want to buy a 1980’s Aston Martin V-8 in 2016. Prices on these cars are going up and I want to buy one before they skyrocket as my Diablo has.
Conclusion
Over the last year, I have learned a lot, changed the ways I do business and had a lot of fun. I think I can improve things immensely in 2016. One reason I think I can improve things is because of my personal habits and routines. I learned many things over the years about success and once you reach some level of success it is easy to slack off. I did slack off on my daily routines, goal reviews and personal improvement over the last year. I have made a huge effort to get those habits back on track in the last three months. I am really excited to get things started in 2016 and see what happens!