Back in late 2023, we got in the car with the Federal Reserve with the promise of a trip to our favorite place: the land of lower interest rates. In 2024, we keep asking “are we there yet?” The more we ask, the farther we seem to be from the destination.
This trip began with all the best intentions. Softer inflation and cooler economic data led the Fed to expect an opportunity to cut rates several times in 2024. The Fed communicated as much in mid-December. Markets took things a step further with futures contracts pricing in 6 cuts by the end of the year. “6 rate cuts” was a refrain that echoed throughout the mortgage and housing industries. Suddenly, too many people were risking disappointment by not understanding the HIGHLY conditional logic behind the 6 cut mantra.
It wasn’t necessarily a mistake for the market to get so far ahead of the Fed’s official outlook. After all, the Fed has a history of cutting rates MUCH faster than its projections suggest. But the decision would ultimately be dependent on continued progress on inflation, and more economic cooling.
With the release of this week’s inflation data, we now have two consecutive months that raise serious objections to the notion that the Fed will be able to cut any time soon.
This is a chart of the core Consumer Price Index (CPI) in year over year terms. This is the inflation metric that the Fed wants to see at 2% and they’ve been clear in saying they can cut rates if they’re confident that we’ll get there. It shows clear, substantial progress toward that goal:
The following chart shows the same thing, but now in more granular month-over-month terms. This allows us to better assess progress toward the 2% annual goal. It shows the past range that’s been consistent with that annual goal, but more importantly, it shows inflation moving up and out of that range last month. This week’s report maintained the same “too high” level.
The news wasn’t quite as bad from the week’s other key inflation report, but it certainly didn’t help. The Producer Price Index (PPI), which measures wholesale inflation, has also now seen the highest two consecutive months since inflation first began to calm down in 2022.
While PPI doesn’t usually move markets as much as CPI, and while the results were arguably not as troubling, it actually caused a bigger jump in rates because it added insult to CPI’s injury. It also happened to be flanked by upbeat labor market data. The following chart shows ongoing jobless claims, which had recently crested 1.9 million for only the second time since hitting long term lows.
On the road to lower rates, this week’s economic reports are tantamount to the driver actually making good on the threat to “turn this car around!” Here’s how rates reacted, as seen in terms of 10yr Treasury yields (highly correlated with mortgage rates in terms of day to day movement).
And here’s the context going back to the initial rate rally in November and December:
The trajectory for mortgage rates is substantially similar as seen in the chart below, at least if you’re looking at the blue line. The orange line shows Freddie Mac’s weekly rate survey which was badly tricked by the timing of rate movement over the past two weeks in conjunction with its laggy methodology. Specifically, it’s a 5 day average ending on Wednesday. As such, if the previous week sees decent improvement on Thursday and Friday, and the new week doesn’t see most of its deterioration until Thursday and Friday, the most recent mark will move down instead of up. This is exactly what happened during this cycle.
Looking ahead, next week’s obvious focus is Wednesday’s Fed Announcement. To be sure, there is no chance of a rate cut at this meeting. Instead, markets will focus intently on the Fed’s updated rate projections. These only come out 4 times a year, so this will be the first update since December 13th and it will provide valuable insight as to how the past 2 months of higher inflation readings have affected the Fed’s rate outlook.
For a short while this morning, it looked as if bonds would break up and over the recent 4.32+ ceiling in 10yr yields, but trading calmed down and trended sideways in a narrow range for the rest of the day. It was a calm conclusion to what has otherwise been the most damaging week since October. But don’t let the calm fool you. It’s likely to be calm before the storm considering next week brings a new Fed dot plot for the first time since December 13th.
Import Prices
0.3 vs 0.3 ‘cast, 0.8 prev
NY Fed Manufacturing
-20.9 vs -7 f’cast, -2.4 prev
Industrial Production
0.1 vs 0.0 f’cast, -0.5 prev
Consumer Sentiment
76.5 vs 76.9 f’cast, 76.9 prev
10:18 AM
Modestly stronger overnight, but weaker during domestic hours. 10yr up 2bps at 4.312. MBS down 9 ticks (.28).
12:38 PM
Modest push back after hitting lows around 10am. MBS now down only 6 ticks (.19) and 10yr up only 1bp at 4.3.
02:26 PM
Sideways at barely weaker levels. MBS down 7 ticks (.22) and 10yr up 1.2bps at 4.304
04:41 PM
Same levels as previous update. Same sideways drift.
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Our surroundings hold significant sway over our mood and well-being, often shaping our experiences more than we realize. The activities we engage in within these walls mold our emotional state, productivity, and overall perspective. So, if you find yourself feeling low without a clear cause, your home may be to blame.
No matter if you call Des Moines, IA, Boise, ID, or any place in between home, with spring on the horizon, there’s no better time to implement simple yet transformative changes within our living spaces. To help set the stage to boost happiness and cultivate a sense of fulfillment that extends beyond the confines of our homes, here are 20 ways to boost happiness at home this spring.
Uplift your mood with plants and flowers
Incorporating elements of nature indoors is a simple yet rejuvenating method to revitalize your living space and elevate your mood. Beyond enhancing visual charm, this natural infusion instills a feeling of energy, rejuvenation, and joy, fostering a renewed sense of vitality within your home.
1. Refresh your space with blooming branches
Spring is the best season for bringing fresh elements into your home, and according to florist Jill Mason of Portland-based plant shop Starflower Passion, blooming branches are her top recommendation. “I adore seasonal blooming branches like dogwood, forsythia, cherry, and quince, with quince being my favorite. Just five to 10 stems in your favorite vase can transform your space with modern simplicity. These branches last for weeks, offering lasting beauty. For another stunning option, consider tulips. With 10 to 30 stems, they bring drama and changing shapes that captivate.”
2. Breathe life into your home with locally grown flowers
“Contact local flower farmers for 100% locally grown blooms; many offer fantastic subscriptions and CSA programs for a variety of stunning arrangements every week,” suggests Lynsea Coy, owner of Coy & Co., a sustainable florist in Portland, OR. “Avoid using floral foam or flowers treated with harmful chemicals like dyes, paints, bleaches, or preservatives, as they are detrimental to the environment and your health. The best way to keep your space alive is to pay tribute to the land you’re occupying by celebrating those that honor and steward it carefully and sustainably.”
3. Create a lush indoor oasis
“Group a few houseplants together in well-lit spaces of your home to create a lush green vibe,” says Hailey Dekle, owner of plant shop Cactus + Co. on Camano Island, WA. “For darker spaces, consider adding greenery that is tolerant of less light like snake plants, ZZ plants, pothos, and aglaonema varieties. We recommend adding at least one plant that blooms in the spring like an Easter cactus, jasmine, or hoya.”
Dekle goes on to share, “As your plants grow, you’ll be able to take cuttings to propagate and add more greenery throughout your space. Repurpose your empty baskets or containers and then check your local plant shop for planters, baskets, and macrame to style your plants.”
4. Choose a variety of plants to add visual interest
Marian Packer, owner of Packer Plant Company, a plant nursery in Klamath Falls, OR, offers insights for the ideal plant placements to enhance visual appeal within your home.
“Snake plants are extremely low-maintenance and look beautiful sitting in a corner in a basket,” shares Packer. “Pothos are a great choice for the top of a cabinet or shelf where the vines can drape down. A peperomia is a pet-safe plant for higher-traffic areas like side tables or entryways. Don’t be afraid to experiment with different varieties of plants until you find exactly what you like.”
5. Start with beginner-friendly plants
For beginners, experimenting with different plants and learning their care needs gradually builds confidence and expertise in nurturing indoor greenery.
“If you’re new to house plants, varieties like philodendron or pothos are great starters, as they thrive with minimal attention and can enhance any room’s ambiance,” explains Cameron Perrin of Shop Pothos, offering house plants delivered to your door. “Plant stands offer a great way to showcase some natural beauty but we also recommend hanging planters or shelves to add a vertical dimension to your space. Incorporating house plants into your home or office does more than just enhance its aesthetic appeal; it also improves air quality, making your home feel fresher and more inviting.”
Elevate your interior design with a touch of springtime freshness
Infuse your space with vibrant energy and rejuvenation to create a more uplifting and inspiring atmosphere. Incorporating elements like bright colors, floral patterns, and natural accents can evoke feelings of joy and renewal, enhancing your overall sense of happiness and well-being within your home.
6. Opt for pastels of vibrant spring hues
Ria Urs, Principal Lead Designer at Interiors By Ria, a luxury interior design firm in Addison, TX, emphasizes the importance of infusing your home with the freshness of the outdoors as spring approaches.
“A simple yet impactful tip is to incorporate greenery and floral arrangements that bring the vibrancy of spring indoors, instantly uplifting any room’s mood,” says Urs. “Swap out those heavy, dark textiles like changing thick, dark-colored winter drapes to sheer, light curtains that let in more sunlight, replacing heavy wool throw blankets with light cotton or linen options in pastel or vibrant spring hues, and switching out dark, dense area rugs with lighter, brighter, or even floral-patterned rugs to add a fresh pop of color and texture to your living spaces.”
7. Choose thoughtful design choices
Life coach Michele Attias discusses how spring presents an ideal moment for mindful rejuvenation of your living space. “Ask yourself, ‘How can I create more happiness in my home?’ Consider rearranging furniture in one room to embrace a fresh layout, pushing the boundaries of comfort and authenticity.
Attias also recommends delving deeper by asking, “‘What is my goal here, and what do I want to open up to in the spring season?’ Embrace the spirit of renewal by designating a wellness area in your home, adorned with plush cushions, a journal, framed inspirational quotes, and scented candles – your sanctuary to connect, meditate and reflect at the end of a busy day.”
8. Consider your surroundings for your home’s interior
“When refreshing your space, think about what’s going on outside and let that inform what you bring into your spaces,” Says Amanda Arcone, owner and designer at New England Home & Interiors. “For a nature-filled environment, maintain serenity by avoiding busy colors and patterns. In urban areas, opt for contemporary elements like glass, bold colors, and interesting lines and curves. In mountainous regions, complement the landscape with nature-inspired hues, such as blues, browns, and whites. Near water, blues, greens, and soft grays are all wonderful palettes. Pay attention to light direction and color preference, aiming to create a mood that fosters peace and joy in your home.”
9. Focus on soft whites and natural elements to create a serene and airy space
Home staging company Gema Designs recommends the following blend of soft hues and natural textures for a sense of tranquility and freshness in your home, perfectly capturing the essence of spring.
“Paint colors such as ‘White Dove’ by Benjamin Moore for walls can instantly brighten a room, while accents in ‘Black Iron’ by Sherwin Williams add depth and contrast,” says Gema Designs. Adding touches of ‘Cottage Grove’ by Magnolia Paint introduces a subtle, earthy tone, complementing the natural beauty of wood finishes and indoor plants. This blend of soft hues and natural textures brings a sense of tranquility and freshness to your home, perfectly capturing the essence of spring.”
10. Less is more when decorating
Heather Krout, interior stylist and decorator of Home with Heather advocates for the art of un-decorating.
“Falling into the common decorating mistake of overcrowding with numerous small items is easy, especially with beloved bunnies and tiny accessories,” says Krout. “However, the key lies in the art of un-decorating, where simplifying reigns supreme. As spring arrives, it’s the ideal time to clear away extra clutter and begin anew. Start by adding one larger scale item as a focal point, introducing a touch of greenery in a vase, and incorporating just one small accessory decor item.”
11. Bring spring indoors with colors, patterns, and florals
Bringing the essence of spring indoors is effortlessly achieved by infusing your décor with its vibrant colors, lively patterns, and delicate florals.
“I like to update my pillows with seasonal colors and patterns, often opting for nature-inspired hues like blues and greens, occasionally adding floral motifs for extra charm,” shares Cristina Lehman, founder and principal designer of C. Lehman Home. “I also enjoy incorporating fresh flowers or greenery from my backyard or the local grocery store to infuse the house with organic vibrancy and color.”
12. Brighten your home with clean windows and greenery
“Before it’s warm enough to start living an indoor-outdoor lifestyle, bring the spring air and light inside your home by giving your windows, screens, and window coverings a good cleaning,” advises principal and CEO Anne Michaelsen Yahn. “Enhance your indoor space with an indoor garden featuring a diverse selection of houseplants. Opt for at least three containers of varying sizes in coordinating colors, each filled with your favorite greenery selections.”
13. Freshen up with decor and accents
“Revitalize your space by thoroughly cleaning and decluttering, removing any items that are no longer essential. This will immediately create a brighter and more spacious atmosphere,” shares Francine Park, owner and designer at interior design studio in Seattle, WA, Freshen Design.
“Update your beddings, decorative pillow covers, curtains, and lampshades with lighter fabrics and colors to infuse the room with a fresh spring vibe. Consider adding a whimsical and colorful polyester area rug to add personality to the space. Bring the outdoors in by incorporating fresh flowers, and consider swapping out a large artwork for a statement moss wall art to embrace the season’s natural elements. Finally, add small Easter decorative items to further enhance the festive ambiance.”
Create a space made for prioritizing inner peace and happiness
Your home should be the space you can escape to amidst the hustle and bustle of daily life. By curating an environment tailored to promote emotional well-being, you invite moments of serenity and contentment into your home.
13. Designate a corner for meditation
“Spring is the perfect time to create or refresh an area in your home dedicated to meditation, a calm down corner (for both grown-ups and kids), or a peaceful respite,” shares stress and anxiety coach Sandra Woznicki. “Even a quiet corner with a few cozy cushions, soft lighting, a small plant, and perhaps some soothing aromatherapy or inspiring artwork can serve as an inviting sanctuary. Cultivating such a space not only makes intentional relaxation more appealing but can also condition your nervous system to relax instinctively upon entering.”
Adding to this perspective, mindfulness coaches Jen and Katie, founders of Awareness of Mind, emphasize the importance of carving out time for meditation. “While many of us aspire to meditate regularly, the busyness of life often gets in the way. By designating a specific area in your home for meditation — whether it’s a corner or a dedicated spot on the sofa — you create a tangible invitation to practice mindfulness daily. Enhance the ambiance with inspirational quotes, calming sounds, and greenery to encourage moments of stillness and connection with your breath.”
15. Embrace the practice of sauca
“Sauca, a fundamental principle in yoga, emphasizes purity, cleanliness, and tidiness in both body and mind,” explains yoga instructor, Christine Chen. “By clearing clutter, eliminating toxins, and shedding bad habits, we pave the way for a healthier, clearer, and more awakened life. This principle extends beyond the self to our living spaces. By purifying our homes through decluttering and thorough cleaning, we create an environment conducive to spiritual practice. Recognizing and addressing habits that contribute to an untidy home can ultimately transform our living spaces to create a dedicated space for spiritual practice – it’s life-changing.”
16. Simplify your space
“Often, our environment is a reflection of the state of our mind so ensuring that we are making time to simplify and create order in our space, we can positively impact our mental health,” states Onnie Michalsky, MA, LCPC Life Coach at Moms Without Capes.
“A cluttered room may contribute to feelings of stress, where we lack a sense of control and put our mind into overdrive. Start small by focusing on a single drawer or filling one small box with items to donate. As you make even the slightest progress, be sure to savor how it feels to let go of that which no longer serves you and know that you are engaging in self-care as you rid yourself of excess stuff, improving your home and your mind.”
17. Create an energy flow for new opportunities
“Clearing clutter from your home initiates a flow of energy, paving the way for new opportunities,” explains Shannon Shine, founder of Shine Time Studios and Wellness. “Take small steps each day to redirect energy to different areas, avoiding the pressure of an overnight transformation. Embrace the gradual renewal of spring by focusing on refreshing one corner at a time, allowing space for relaxation and a stress-free approach. Remember, the process may unfold continuously, symbolizing the evolving journey towards embracing your renewed self.”
Declutter and deep clean for a brighter home
Clearing out clutter and giving your home a deep clean not only creates a brighter, more spacious environment but also lifts your mood and energizes your space.
18. The 3 magic questions to ask yourself
“The first step to revitalizing your wardrobe involves decluttering, which can feel daunting at times,” shares Lili Henry Stylist based in San Francisco, CA. “When assisting clients with wardrobe edits, I introduce three essential questions: Does it fit? If not, it goes. Is it worn out? If yes, it’s out. When was the last time you wore it? If over a year ago, it’s time to bid farewell. By the end of this process, we pinpoint missing pieces to avoid unnecessary purchases and conduct a color analysis to determine their best-suited hues, ensuring they shine in their wardrobe selections.”
21. Start with your entryway
“Begin by refreshing your entryway: replace heavy winter coats with lighter jackets, introduce a colorful doormat, and designate areas for sunglasses and umbrellas,” advises Heather Aiello, founder of The Organized You. “Taking on one zone at a time allows for a smooth and manageable shift, bringing the revitalizing essence of the season into your home.”
19. Conquer the clutter in your closet
“Spring is the perfect time to overhaul your wardrobe but it can be tricky to know where to begin,” acknowledges Jennifer Jones Styling. “Begin by evaluating each item in your wardrobe, assessing how it aligns with your preferences, confidence level, color palette, body shape, and lifestyle. If any pieces fall short of these criteria, consider donating them or selling them to make room for items you truly love. Additionally, take into account the seasonality of each piece; if it’s not suitable for spring and summer, set it aside for future use. This approach ensures that revisiting your wardrobe feels like uncovering a fresh collection when the time is right.”
20. Utilize the hanger hack
Kristi Brooks Pennington, a stylist based in San Diego, CA, and Los Angeles, CA, shares a clever closet decluttering tip. “Align all your hangers in the same direction. Each time you wear an item, rotate the hanger. If a hanger remains unchanged for 12 months, it’s a sign you’re not wearing that piece and it’s ready for donation.”
The ultimate home reset this spring: Final thoughts
By incorporating these strategies to elevate our living spaces, from decluttering and simplifying to infusing nature and prioritizing wellness, we set the stage for a season of joy, contentment, and renewal. Here’s to a spring filled with happiness, harmony, and endless possibilities.
As the world awakens from its winter slumber and the air fills with a sense of renewal, there’s no better time to embark on the ultimate spring reset for your home. And with this sense of renewal comes an energetic craving to tidy up our homes and welcome the spring season. After a long winter season, where’s the best place to begin refreshing the home?
From decluttering and organizing to deep cleaning rituals and nature-inspired decor, this ApartmentGuide article is your guide for tips and techniques for crafting a sanctuary for the spring season ahead. Whether you live in an apartment in Des Moines, IA or a rental home in Portland, OR, and are looking to incorporate fresh florals, declutter your space, or embrace a new color palette, we’ve got you covered.
Step 1: Get a fresh start by decluttering and organizing
Decluttering your home is not just about tidying up; it’s about creating a sense of space, clarity, and peace within your home. By eliminating excess belongings, you can reduce stress, increase productivity, and improve overall well-being. Start by breaking down decluttering tasks into manageable chunks, focusing on one area at a time to avoid overwhelm. Sort items into categories such as keep, donate, sell, or discard, and be ruthless in your decision-making process. Ask yourself if each item serves a purpose or brings joy, and if not, let it go.
Organizing also plays a vital role in maintaining a functional living space, promoting efficiency, clarity, and well-being. Assess your needs, devise a plan, and utilize storage solutions to categorize items effectively. Regularly declutter and reassess to maintain efficiency.
Seek permission and compromise
If you live with one or more people, it’s important to seek permission and compromise when decluttering. Professional organizer Nassim Secci of The Happy Space Co. emphasizes, “Overcoming the hurdle can be challenging, especially when a spouse is hesitant to let go. Start by gaining permission to organize items without discarding any initially, ensuring they consent to any discarding. The act of categorizing and rearranging possessions can often spark a positive shift, and even without discarding, an organized space can bring a sense of order and freshness to your home.”
Store winter gear
With spring on its way and summer just around the corner, Sarit Weiss, founder of Neat and Orderly home organizing company, recommends walking through the house collecting all winter accessories, gear, and clothing. “Place them in clearly labeled bins or using transparent bins for easy visibility, and find a place to store them for the season. Think under beds, on a high shelf in a closet, or consider investing in a small storage unit if necessary. With this system, you’ll free up space for the current season’s essentials. Bring the beach chairs, summer accessories, and sports equipment to the front of your closets or mudroom for easy access.”
Aim for progress, not perfection
“Spring heralds abundance, possibility, new life, and growth — a sense of everything falling into place,” shares holistic life coach, Carmen Ohling. “This spring, our aim is progress, not perfection, recognizing the link between mental clutter and physical disorder. Clean out your sock and underwear drawer, discarding stained, hole-ridden, or overly stretched items.
Select one task from the list—organize the kitchen utensil drawer, back half of the clothes closet, desk drawer, makeup bag and skincare drawer, or junk drawer — completing it fully. Often, we hoard due to scarcity mentality or comfort in the past. Assess each item’s alignment with your present self; if unused in six months, discard. Embrace Marie Kondo’s principle: If it doesn’t spark joy, let it go.”
Step 2: Tidy up your living space
Deep cleaning your home not only restores a sense of freshness but also promotes a healthier living environment. Prioritize areas that accumulate dust and grime, such as baseboards, ceiling fans, and vents. Use a microfiber cloth and all-purpose cleaner to wipe down surfaces, paying attention to neglected spots like light switches and doorknobs. Don’t forget to vacuum carpets and upholstery thoroughly, and mop hard floors with a disinfectant solution. Finally, tackle overlooked areas like behind appliances, inside cabinets, and beneath furniture to ensure a thorough cleaning.
When it comes to refreshing your space for the spring season, lifestyle blogger Kimberly Samantha from Brunch and Gloss advises, “Edit, edit, edit.” According to Samantha, “Right after the holiday season, spring cleaning is the best time to go through what you have and make a whole household edit. Everything should have a home; if something doesn’t have a home, then chances are you don’t need it. Take time to organize your space in a way that’s functional and achievable for your lifestyle.”
Step 3: Refresh your wardrobe
Refreshing your wardrobe in spring is a chance to not only update your style with fresh colors and patterns but also clean out your closet and maximize your space.
Practice the one in, one out rule
“Consider adopting the ‘one in, one out’ rule,” suggests personal stylist Beth Divine, MA, AICI-CIC based in Indianapolis, IN. “For every new item you bring into your wardrobe, donate one to a charitable organization. Embrace a new trend by trying out sling-back shoes, particularly in trendy styles like two-tone spectators or vibrant colors like blue, pink, or green. You might be surprised by how often you reach for them. Or, add a pair of straight, dark rinse or cream color jeans to your wardrobe that’s easy to pair with anything. Finally, work with a professional to learn your best colors; build your wardrobe or clean out your closet.”
Shop your closet
“Take inventory, mix and match pieces, and integrate items from your winter wardrobe for new outfits, saving money and keeping your closet clutter-free,” explains certified wardrobe stylist Lisa Samsom of Vermont Wardrobe Styling. “Be sure to use a steamer to remove wrinkles and freshen up clothing after bringing them out of storage. Explore your winter wardrobe for burgundy, a hot spring color, and pair it with tans and creams. Create a ‘most wanted list for winter’ to guide future purchases and prevent unnecessary buys. Embrace pre-loved items at thrift stores and vintage shops. To declutter effectively, adopt an ‘outfit mindset’ by assessing each item’s versatility and styling potential, helping you differentiate between essential pieces and unnecessary clutter.”
Add a splash of color or pattern
“Embrace the spring season by incorporating pastel shades and floral prints into your outfits, which can easily be mixed and matched with neutral pieces you already own,” shares Nancy Queen, wardrobe stylist at Shopping on Champagne. “Consider layering lightweight fabrics to navigate the unpredictable spring weather stylishly. This approach not only refreshes your look but also allows you to experiment with different combinations without a complete wardrobe overhaul.”
Step 4: Integrate spring into your interior design
Bring a refreshing burst of color into your home, infusing spaces with the vibrant energy of the season. By incorporating spring decor elements like light pastel colors, natural textures, and floral accents, you can create an uplifting and rejuvenating atmosphere within the home.
Evoke the essence of spring
“As we transition into the warm embrace of spring, the longer days and pleasant, soft sunlight often inspire us to change,” shares Debora Interiors, a virtual interior design service and 3D renderings to create customized designs. “Evoke the bloom of nature into your home by introducing floral touches and soft pastels through fabrics, wall tapestries, décor, and wall paint. Opt for lightweight, natural fabrics such as cotton and linen for your textiles to allow your space to breathe and let the warm sunlight in. Fresh, colorful flowers will be your best friend as they are the finishing touch to any inviting home.”
“I love infusing my living space with lighter colors and vibrant energy,” says Gretchen Reese, lifestyle blogger at Monochrome Minimalist. “Whether it’s introducing a fresh pillow cover or a lighter throw, placing a new plant by the window, or indulging in a scent that evokes the essence of the changing season, each touch revitalizes my space, breathing new life into it for the springtime.”
Embrace the power of simplicity
Melissa Vera, blogger at Adventures of Frugal Mom says, “Clear away winter remnants, opt for lighter and brighter hues, and strategically place mirrors to amplify natural light. Introduce floral accents, be it through fresh blooms or botanical-themed decor, for an instant burst of springtime charm. Embrace a minimalist approach, allowing your space to breathe and embody the refreshing essence of the season.”
Display one-of-a-kind items that have a deep connection to your roots
Erica Shepard, NCIDQ, IIDA, LEED AP ID+C, Owner + Principal Designer at Shepard Design Studio, explains that a home should have a timeless foundation that can seamlessly adapt to the evolving trends while allowing a canvas for personal expression.
“Think bold accent walls, statement furniture, or playful accessories that can thoughtfully incorporate meaningful pieces. This could mean uncovering treasures from your closet or storage spaces – cherished family heirlooms could take center stage on your gallery wall or you could feature vintage furniture pieces awaiting to be refreshed. Your local frame shop or services like Framebridge are great DIY resources for displaying beloved objects or nostalgic photos in your home,” suggests Shephard.
Bring nature in
Our homes offer us the perfect excuse to embrace the changing season. According to Heather Calder, owner of Heather Interior Design, you can refresh your space with something as simple as a new paint color to freshen and liven up the space.
“Try something new and be bold,” suggests Calder. “Adorn your front door with a welcoming floral wreath and infuse the air with the scent of spring using candles. Incorporating nature into our living spaces offers countless benefits.”
Infuse your space with cheer
“With spring’s arrival, now is the ideal time for a home refresh,” states Cemre Yurdakul, interior designer and property stylist at Cinnamon & Vanilla Interior Design. “Consider replacing those heavy winter blankets with light and airy throws in vibrant spring hues like sunny yellows or soft pastels. Incorporating a few potted plants or fresh flowers can infuse your home with the rejuvenating essence of spring. Let’s aim to create living spaces that radiate the brightness and cheerfulness of the season itself.”
Step 5: Brighten up your space with flowers
By incorporating flowers, you can instantly add a vibrant burst of color and a delightful fragrance, lifting spirits and bringing a touch of nature indoors.
Use blooming branches for a touch of spring
“Cutting branches from trees and shrubs in the early spring is an easy way to bring some drama into your home,” shares Megan, owner of Field Floral Studio, a fine art florist in Portland, ME. “Given fresh water and warmth, bare branches will start to leaf out or flower depending on which variety you choose. Cut each branch on a slant, place it in a large vase, and watch the magic unfold.”
Portland, OR-based flower delivery By the Bunch Floral Alchemy also recommends decorating with branches. Celebrate spring by bringing blooming branches indoors — dogwood, quince, forsythia, tulip, star magnolia, cherry, and plum blossom create stunning displays. The trick with these is to cut them early as soon as the buds start to show, splitting stems for better water absorption, and be sure to change the water every couple of days to get them to last longer. The warm interior temperatures will speed up their blooming process, and depending on how early you cut them, you might get as much as a week or two out of them. Local flower farms typically offer CSA subscriptions for seasonal blooms, with some providing delivery. Consider researching nearby options to support local.”
Choose seasonal and local blooms first
“Choose seasonal and local blooms first,” advises Bianca Sparta, owner of Colibri Flowers in Portland, OR. “This ensures that your flowers are as fresh as possible and will give you the longest vase life. Flowers should spark joy so choose and arrange however pleases you the most.”
Step 6: Incorporate principles of personal growth
This spring, prioritize fostering a nurturing environment that supports individual development and well-being. By surrounding oneself with reminders of personal goals, affirmations, and inspirational quotes, one can cultivate a mindset of growth and self-improvement in their daily life.
Focus on what you desire to maintain
“Your environment can support you in creating your ideal habits and routines,” explains Jessica Malone, life coach at Nacho Average Fro. “First, before you declutter, identify how you want to use the space, then identify what items can assist you. For example, if you want to spend more time journaling, consider where to place your journal and what additional items you need to support that habit.
Once you’ve selected the space, remove the items currently in that place and ask yourself ‘Do any of these items support my desired habits and routines?’ Whatever does not support you should be let go. After you’ve dedicated space to the things that support the life you desire, you’ll build new habits with ease.”
Create a space where you feel like you belong
Life coach Nisha Mody shares, “Spring is a great time to plant seeds for new growth within ourselves and in our environments. I love to think of ways to resource myself in different environments, and I encourage my clients to do the same. Resourcing ourselves is about finding something we can attune to that makes our bodies feel safe and like we belong. In terms of living spaces, this can mean having a photo of a loved one near a workspace, putting a plant near a window to witness its growth, or thinking of color palettes that soothe your body and soul.”
Establish tech-free zones in your home
“By designating specific areas as tech-free, you can create a space that fosters mindfulness, clarity, creativity, and real connections,” explains Abbey Sangmeister, life coach and therapist at Evolving Whole in New Jersey and Philadelphia, PA. “Make this a space you will want to go to; one with great lighting, candles, plants, and a journal in that area. Keep journal prompts, affirmations, or a card deck in the area to help you focus on personal growth, especially if you are feeling stuck with prompts. Personally, I am not a minimalist, so I like having trinkets, photos, art, and little reminders from travels and challenges I’ve accomplished surrounding me.”
Unlock motivation with the fresh start effect
Aileen Axtmayer, career coach at Aspire with Aileen based out of Boston, MA, discusses the ‘fresh start effect.’ “Our brains are more inclined to take action when they perceive the start of a new time period, such as the onset of a new year or season. With the arrival of spring, a new season commences, providing an opportune moment to refresh our environments and reinvigorate our pursuit of goals.”
Step 7: Focus on your emotional well-being with meditation
Meditation cultivates inner calm, resilience, and a greater sense of clarity amid life’s challenges. Integrating meditation into your life this spring can foster a harmonious environment conducive to self-reflection, renewal, and embracing the transformative energy of the season.
Create a dedicated space
“It’s true you can meditate anywhere; however, creating a dedicated space for meditation can help you support and maintain your practice,” says Claire E. Parsons, lawyer, meditation teacher, author, and founder of the Brilliant Legal Mind blog. “First, consider what kind of energy best supports your practice. Do you need calm and quiet, a cozy container, or light and space? Next, identify a small space that suits these needs and fits functionally with your lifestyle. Then, simply add supportive elements, including cushions, a bench, blankets, candles, and any decorative or spiritual items, and your space is ready for sitting in comfort.”
Lauren Schuivens, founder and CEO of Samavira Meditation, meditation training that helps you adapt traditional techniques to how your mind works best, explains that the area you choose to dedicate to your practice can be as simple as a corner in your room. “Add cozy seating, plants, soft lighting, and soothing colors. Personalize it with items like candles and crystals to enhance relaxation. Having a dedicated meditation space not only allows you to rejuvenate and find inner peace amidst the changing seasons, but can also help you drop into your practice more easily and deeply as your body begins to associate the space with a sense of tranquility.”
Invite tranquility and renewal in
Brennan, founder of meditation company Mindkee, dedicated to helping you relax and breathe, weighs in on this topic. “Elevate your ambiance by incorporating a cozy meditation pillow or cushion, gently nudging you towards moments of mindful reprieve. Infuse the air with calming aromas from incense or scented candles, or enliven the space with air-purifying plants for a serene atmosphere.
Surround yourself with imagery that inspires peace and positivity, whether it’s pictures of sages or loved ones who bring solace to your spirit. Above all, commit to a daily meditation practice to foster mental well-being and embrace the transformative power of consistent mindfulness in your life. Stay blessed, stay positive, and don’t forget to relax and breathe because your mind is key.”
Step 8: Bring the outdoors in with plants
Plants not only add aesthetic beauty but also enhance indoor air quality and boost mood and productivity. Incorporating greenery into your living space connects you with nature, fostering a sense of tranquility amid the changing season.
Begin fertilizing in early spring
Plant nursery Potted in Portland says spring is the perfect time to have a plant check-in. “We suggest starting spring plant care with fertilizing in March and assessing the soil to see if it needs a refresh or repotting. Prune away unwanted growth and remove any crispy or discolored leaves. Don’t forget, with increased sunlight, watering needs will likely increase as well.”
Consider your space and lifestyle
Tailored houseplant subscription service Plant in the Box, recommends plant parents to think about placement, care needs, and aesthetics to refresh their home. “Consider aloe vera or snake plants for bright sunlit spots. Fill slightly shaded or indirectly lit areas with philodendrons and ferns. If you lead a busy lifestyle or travel frequently, low-maintenance options like spider plants or pothos are ideal, requiring less frequent care. For aesthetics, decide if you prefer a plant that grows large, like the monstera, to fill a space, or something more compact, like a peace lily, to enhance your home’s look and feel.”
Mix textures and heights
“Opt for a mix of textures and heights when styling houseplants – consider combining trailing vines with tall, sculptural plants for a dynamic effect,” suggests Cultivated Creations, offering a unique collection of plants and local art in Baltimore, MD. “To boost your plant care routine, consider repurposing kitchen waste into homemade fertilizer using banana peels. Simply place banana peels in a mason jar, cover them with water, and let them soak for a week. After removing the peels, use the nutrient-rich water to nourish your plants, providing them with natural and beneficial hydration.”
Perfect picks for beginners
Mishele Freeman, founder of Emerald & Ivy Plant Boutique in San Diego, CA recommends a few beginner-friendly plants. “Golden pothos, ZZ plants, dracaenas, and snake plants are great beginner plants because they can tolerate any level of light, don’t need to be watered often, and are overall very low maintenance. These plants also have a neutral look to them, so pairing any of these with a fun pot (or even neutral, if that’s your aesthetic) makes it so easy to adapt them into your lifestyle. Keeping a pot neutral when paired with a more fun, detailed plant helps those intricacies stand out, and vice versa.”
Step 9: Find spring-inspired recipes that embody freshness
Spring brings an abundance of fresh produce, making it the perfect time to incorporate vibrant and nutritious recipes into your diet. From crisp salads bursting with seasonal greens and colorful vegetables to light and refreshing fruit-based desserts, there’s no shortage of delicious options to enjoy.
Embrace green foods
Monique Costello, functional medicine wellness coach and chef at Happy Eats Healthy weighs in on this topic. “As spring arrives, our bodies naturally crave fresh, light, and nutritious foods, signaling a desire to cleanse after the heavier winter fare. Incorporate greens generously by adding them to pasta sauces and soups, blending them into dressings, crafting wraps with leafy greens, or pulsing veggies into rice. For added nutritional benefits, consider topping dishes with sprouts, which boast a nutrient density 10 to 30 times higher than their mature counterparts.”
Eat your fruits and veggies
Salads are ideal for springtime as they incorporate fresh, seasonal produce, providing a light and refreshing option in warmer weather while offering a nutritious and satisfying meal. A great way to get your fruits and veggies in all at once is by simply combining the two.
Nina Cherie Franklin, recipe blogger at That Salad Lady recommends a berry spinach salad. “It’s a quick, delightful fusion of spring’s finest – fresh strawberries, blueberries and spinach, ready in under 15 minutes. Creamy avocado adds richness and heart-healthy fats, capturing the essence of spring with its fresh, buttery taste. Tossed in a homemade strawberry vinaigrette crafted from apple cider vinegar, extra-virgin olive oil, and honey, this salad strikes a perfect balance between sweet and savory flavors. This bowl is bursting with fresh flavors, textures, and nutritional goodness.”
Refreshing your home this spring
By decluttering, organizing, and infusing your space with the vibrant energy of the season, you can create a home that truly embodies the essence of spring. Whether it’s adding touches of greenery, embracing light and airy decor, or simply opening your windows to let in the fresh air, every small change can make a big difference.
As you breathe new life into your surroundings, embrace the beauty of simplicity, the joy of fresh beginnings, and the promise of growth as you embark on this transformative journey. Here’s to a season of growth, positivity, and endless possibilities in your beautifully refreshed space.
With sand, sun and sea stretching an impressive 825 miles across the state, Florida is the clear choice for visitors who want to enjoy some time at the beach. In fact, about a third of all travelers will head to at least one of the state’s beaches while visiting.
Beaches can be found along the state’s Panhandle in the north, the Gulf of Mexico in the west and the Atlantic Ocean on its east coast. And don’t forget the dozens of islands that make up the Florida Keys along the state’s southern end.
While it may be impossible to definitively tell you what the best beach in Florida is, here are several contenders for the top spot.
Florida beaches overview
Depending on where you go in Florida, you could end up swimming in one of two bodies of water. The beaches in the Panhandle and down the west side of the state border the Gulf of Mexico, while those on the eastern side of the state sit on the Atlantic Ocean.
What’s the difference? If you’re an early riser and want to watch the sun rise over the water, choose a beach on the Atlantic side, where you’ll find large waves and golden-brown sand. If you prefer catching a vibrant sunset instead, head to the Gulf, where the sand is often whiter and waves are smaller.
It’s warm enough to swim everywhere in Florida between April and October. The further south you go, the warmer the water is in the winter.
During the summer, the Gulf is warmer than the Atlantic. Its waters can reach 90 degrees Fahrenheit or warmer — sometimes the water is even warmer than the air. Meanwhile, the waters of the Atlantic usually remain in the 80s. For some perspective, most people will be comfortable swimming when the water is about 75-80 degrees.
🤓Nerdy Tip
Many Florida beaches have areas where pets can run off-leash, but make sure to check the specific regulations of the beach you’re visiting before you bring your pet.
Some beaches have lifeguards on duty as well as amenities like bathrooms and snack shacks, while others are more rustic without much in the way of services.
Best beaches to visit in Florida
1. South Beach
With its Art Deco architecture, hip restaurants and bars, and lots of nightlife, Miami’s two-mile long South Beach is the place to see and be seen. Visitors and locals alike also come here to enjoy Lummus Park, a beachside spot featuring playgrounds, walking trails, a fitness area and plenty of popular events.
2. Hollywood Beach
Hollywood Beach, a family-friendly spot just south of Fort Lauderdale, has clean beaches and a pedestrian promenade, known as the Broadwalk, that features restaurants, shopping and hotels.
If the kids tire of sandcastles and waves, they can visit Charnow Park with its playgrounds and interactive fountain. It’s a good mix of old-Florida charm and modern amenities.
3. Daytona Beach
Farther north on the Atlantic coast, Daytona Beach comes with hard-packed sand and a gentle slope leading to the water — ideal for learning to surf. Here, you’ll find 23 miles of coastline along with plenty of hotels, shops and restaurants.
It’s also one of the few places you can actually drive on the beach — very slowly and tide permitting — for $20 a day per vehicle.
4. Panama City Beach
Up in the Panhandle is Panama City Beach, known for its 27 miles of emerald green waters and sugar sand. Those who fish or dive love the area because of the many artificial reefs just offshore. Plus, the water is some of the clearest in the state.
Many of the beaches face west, meaning the sun sets directly over the water, making for spectacular views.
5. Destin
The Destin and Fort Walton Beach areas are called the Emerald Coast for a reason: The water off the 24-mile stretch of beach is often a vibrant green. Beyond the usual beach attractions of wharfs and piers, Crab Island is a big draw. Not actually an island but a raised sandbar, it’s a place where boaters can hang out, enjoy camaraderie and take advantage of a floating bar in the middle of it all.
6. Clearwater Beach
Farther south along the Gulf coast, near Tampa Bay, is Clearwater Beach. Over the years, it’s been named by many as the top beach in the country. The beach sits on a barrier island and touts 35 miles of sand along with hotels, restaurants and activities including an aquarium and alligator sanctuary.
Visitors can also visit Pier 60, a 1,080-foot fishing pier that hosts a nightly sunset festival.
The best beaches in Florida state parks
Many of Florida’s beaches are located in state parks. They cover 100 miles of coastline across the state, but are usually more undeveloped. Some are home to both nesting sea turtles and shorebirds. The state parks also participate in sand dune and reef conservation efforts to protect the areas from storms, filter out pollutants and serve as fish nurseries.
7. Dr. Julian G. Bruce St. George Island State Park
Located on a barrier island in the Panhandle just south of Tallahassee, St. George Island State Park is a great spot for laid-back beach goers and nature lovers.
It was named the top beach in the country in 2023 by coastal expert Stephen Leatherman (“Dr. Beach”), who releases a well-known annual U.S. beach ranking. The state park’s beach won accolades due to its nine miles of undeveloped beaches, natural beauty and clear water.
8. Fort Zachary Taylor Historic State Park
Fort Zachary Taylor Historic State Park is on the southern end of Key West, where the Atlantic Ocean and Gulf of Mexico meet. In addition to swimming, snorkeling and fishing, visitors can tour Fort Taylor, a national historic monument that played roles in both the Civil and Spanish-American wars.
9. Honeymoon Island and Caladesi Island State Parks
Located near Dunedin just north of St. Petersburg, both Honeymoon Island State Park and Caladesi Island State Park consistently top the list of Florida’s best beaches.
While Caladesi Island is only accessible by boat, nearby Honeymoon Island’s four miles of beach can be reached by car. It’s also where you can catch the ferry to Caladesi Island.
Other good Florida beach options
In case you still haven’t found the perfect destination for your dream beach vacation, here are a handful of other beaches around the state that may hit the spot.
10. Siesta Key
Located on the Gulf coast about halfway down the state is Siesta Key. The eight-mile island is connected by bridge to Sarasota and has plenty of shopping, dining and sports options. It’s loved by visitors because of its clear and calm water, powdery white sand and outdoor recreation opportunities like parasailing and volleyball.
11. Space Coast beaches
The 72 miles of shoreline along the Atlantic Ocean near Cape Canaveral is called the Space Coast. As some of the closest beaches to Orlando, they’re a great choice for travelers wanting to combine a beach trip with some of Florida’s famous theme parks.
The most popular beach in the area is Cocoa Beach. Home to Ron Jon Surf Shop, the world’s largest surfing store, it’s a great place to ride the waves and meet fellow surfers. If surfing isn’t your thing, you can try other activities like kayaking, deep sea fishing and kiteboarding.
And visitors of all ages can enjoy a visit to the nearby Kennedy Space Center. If you time your visit to the Space Coast right, you might even be treated to a rocket launch.
12. Fort Myers beaches
Before Hurricane Ian slammed into Fort Myers Beach and nearby Sanibel and Captiva Islands in September 2022, the area consistently found itself at the top of many lists of Florida’s best beaches.
As businesses continue to rebuild, there’s still plenty of sand and sun for those willing to come. Shell collectors should head to Sanibel or Captiva Islands, where these ocean treasures can be had in spades thanks to the region’s ocean currents and coastline orientation.
13. Jacksonville beaches
Some of the northernmost beaches on Florida’s Atlantic coast are in the Jacksonville area and include St. Augustine and Ponte Vedra. Dubbed the Historic Coast, there are 42 miles of beachfront to explore, including at Fort Matanzas National Monument, which was built in 1742 by the Spanish military to defend the area.
Driving on the sand is allowed in designated areas along St. Augustine Beach for a fee. And if you need a break from the water, Ponte Vedra Beach offers many world-renowned golf courses.
Florida beaches recapped
If you’re in the mood for a beach vacation, heading to Florida is a great option. With hundreds of miles of coastline spanning two bodies of water, it would take years — if not a lifetime — to explore it all.
Whether you want to combine your beach trip with a visit to Walt Disney World and the Kennedy Space Center, or you prefer the low-key vibes of a state park, Florida has you covered.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
When you ask people about their favorite season, few will likely say winter. However, there’s an undeniable sense of calm that comes with this period of hibernation, regardless if you live in a house in chilly Minneapolis, MN, or an apartment in Miami, FL. Even more unique is the feeling you get when the first warm breezes of spring arrive but winter still holds us in its mysteries.
In this article, Apartment Guide interviews expert candlemakers and sellers to find the scents that evoke both the coziness and moodiness of winter while also celebrating the promise of spring. We promise it will make scents as you keep reading!
Find harmony between dark and light
As the long, dark nights of winter shift to brighter days, the best winter-spring candle scents merge the moodiness of winter and the breeziness of spring. Try to find a candle that balances both vibes seamlessly.
“During this seasonal shift, I find that incorporating fresh citrus notes into my space provides a revitalizing touch reminiscent of the upcoming spring while still holding on to the cozy warmth of winter,” states Tianna Dean of Hummingbird Candle Company. “Blends of lemongrass, lime, and lemon top notes evoke a refreshing burst of citrus, symbolizing the awakening of spring, while the underlying notes of jasmine, black currant, and patchouli add a touch of warmth reminiscent of the lingering winter.”
Add a touch of aquatic fragrance
The pool is still closed, and you might not be ready to plan your beachside vacation quite yet. However, aquatic notes transport you to the relaxed feeling of lounging by the water.
“As the seasons shift, our my favorite transitional scent is our spring candle scent that evokes Oklahoma during a thunderstorm,” says Rico Smith of 46th State Candle. “With refreshing notes of eucalyptus, spearmint, and sea salt, it captures the invigorating essence of spring rain while still offering a hint of winter’s crispness, making it the perfect choice for transitioning between winter and spring seasons.”
Similarly, Jennifer Smyth of Modern Zen Candle Company notes: “Fragrances like sea salt and orchid orchestrate a coastal symphony, harmonizing sea salt’s crispness, jasmine’s soft touch, and tonka bean’s warmth — nature’s transition from chilly winds to the gentle caress of spring. For even more beachy vibes, bamboo and coconut whisk you away to a tranquil paradise with bamboo’s freshness, coconut milk’s creaminess, and pineapple’s sweetness—a scent that embodies a springtime escape.”
Opt for solar fragrances
AURA Candle Bar owner Linda Pendry suggests solar fragrances, or scent profiles evocative of tropical blooms. “Solar fragrances are top of mind as spring break plans interrupt the cold winter months with fragrances such as sea breeze, citrus facets of neroli or even the floral notes of olive blossom. Warmer base notes such as exotic agarwood, sensual driftwood, or smokey cedar lend themselves to grounding the fragrance as we all patiently await the longer days ahead as springtime unfolds.”
Try a combination of floral and woody notes
“I love burning candles that have a woody and floral scent with a hint of spice during the transition from winter to spring,” shares Reis Chester, founder of REISFIELDS NYC. “My go-to choice has a masterfully crafted blend of soft woody guaiac wood, fresh French roses, geranium, and violets. It is finally topped off with a subtle hint of black pepper and clove. Giving you the warmth of winter with the freshness of spring.”
“Our favorite scent for the transition months between winter and spring is a blend of dahlia and sandalwood,” says Nicola Hines of Candlish. “It reminds us of a lush wooded flower field in the spring and has a sophisticated and luxurious aroma that will uplift your mood. The comforting scent of slightly sweet base note sandalwood blends harmoniously with warm amber, light lemon zest, sultry jasmine, and yellow dahlia petals which gives off well-balanced and soft floral notes that are earthy and intriguing.”
Earthy and fresh scents win the season
From the crisp aroma of freshly cut pine to the grounding scent of damp earth after rainfall, earthy and fresh scents reign supreme this season.
“Most will gravitate to a floral-scented candle this time of year, but I’d recommend something with notes like white sage and lavender to cleanse the space of ghosts and emotional winter baggage,” says Jesse Regis of Virgins on Fire Candle Co.
Similarly, Kylie Antolini of Wildwood Candle Company recommends combining the freshness of earthy scents with the brightness of citrus to evoke a wooded meadow filled with flowers.
She says, “My favorite scents for transitioning out of winter into spring have a mix of grounding, earthy floral notes and brightness — for example, one of our candles has blended notes of ylang-ylang (grounding, floral), orange blossom (bright, floral), green fig (ripeness, rebirth, bright, green), and lavender (grounding, floral). It’s not only a wonderful year-round scent, but particularly wonderful coming out of winter, as our noses have missed smelling fragrant flowers in the sunshine.”
Or, as Wes at Milwaukee Candle Company says, “As winter surrenders to spring, lose yourself in the harmonious fusion of brightening citrus and comforting woodsy scents. The invigorating notes of blood orange signify nature’s awakening, while a deep, rich mahogany evokes the cozy embrace of winter. This blend effortlessly bridges the gap between winter hibernation and the blooming warmth of spring, creating a sensory experience that captures the essence of both seasons in perfect harmony.”
And if you want the earthy freshness that instantly reminds you of a luxurious spa, white tea takes the cake. Kianna Cornelia of Cornelia Home states, “Our favorite scent for the transition months between winter and spring is white tea. This aromatherapy fragrance promotes wellness and calmness, allowing you to enjoy a tranquil spa-like experience anywhere in your home.”
Find comfort with a sweeter fragrance
Though often thought of as solely winter candle scents, sweeter notes go with any season – so check in with your mood instead of the thermometer outside when it comes to finding a signature scent for March. And if we’re being honest – who isn’t in the mood for dessert, no matter the season?
According to Nose Best Candles, you can’t go wrong with gourmand scents, which are typically dessert-like scents like vanilla, almond, sugar and caramel. “When in doubt, go gourmand! The weather is so unpredictable during this time. So instead of trying to match the weather outside, find comfort in something like a snickerdoodle or banana nut bread. This will make your home smell like a 5-star bakery that you’ll never want to leave.”
Erika Whitus of Southern Charm Candle also chimed in: “When the holidays have passed, and we are in the cozy moments spent indoors waiting for the vibrant lively atmosphere of spring, our favorite scents are ones that combine elements of the fresh, sweet aroma of fruit with the warmth and comfort of a fresh-baked dessert. Juicy ripe strawberries, zesty lemons, or tropical bananas provide a refreshing burst of energy like spring itself whereas the comforting aroma of vanilla provides a grounding effect of waiting for your mom’s favorite recipes.”
Marry winter and spring with a musky scent
Fuse the essence of winter and spring with a musky scent, bridging the gap between the crisp chill of snow-covered landscapes and the burgeoning warmth of blooming flowers.
Ky Candle Company has a cashmere-blend scent, which is the perfect concoction to take you from winter to spring, according to owner, Sheena Bromagen. “It has warm, earthy notes of saffron and amber paired with the light floral fragrances of lily of the valley and violets. It’s rich and soft, calming and warm – a perfect scent all year!”
Or, as Tanisha Burke from Malaysian Lights puts it, “I have found the most favored scents between winter, and spring is something fresh and clean. My bestseller boasts notes of ozone, soothing musk, fresh flowers, and light coconut with a sandalwood base. The second scent that is found to be very popular between these seasons has plenty of cinnamon and vanilla. The cinnamon spice notes combined with rich, warm vanilla is a customer favorite.”
Experiment with olive
Pull out the olive scents if you want to try something refreshing and unique for the transition season. It offers an earthy balance of mellowness and warmth that lends itself to both winter and spring.
“Olive is my favorite fragrance for transitioning into spring!” says Clara Bailey from MacBailey Candle Co. “It is a complex fragrance that has a base of musk and vanilla, which bring in the cozy feelings of winter. The warm earthy middle notes add texture, while the top notes of orange and lemon bring in the fresh and clean notes of spring.”
Glenda from Palmetto Scent Studio recommends this right-now-ready scent, too: “As you prepare to transition your home from winter to spring, it’s important to take inspiration from the feelings we experience during this time of rejuvenation. Everyone’s anticipating the fresh, fragrant breezes to come, but there is still a slight chill in the air. Consider a scent that blends soft and cozy scents like cashmere with light, botanical notes like the sophisticated tea olive. These blends will help set a tone of anticipation as we await spring buds to emerge.”
Wow with deep, wood-forward notes
Whether you picture a large bonfire on a chilly night or a slow-burning fireplace in a cozy den, wood scents add to any winter scene. But did you know woody scents also transitioned well into warmer weather?
Alex at Kindred Homestead Supply notes how woody scents might evoke the season’s turn. “In this transitional period between winter and spring, the earthy blend of smokey oak, tobacco leaf, and a subtle touch of vanilla provides a comforting and enveloping atmosphere in our living spaces. These scents serve as a warm embrace, encouraging us to appreciate the restorative quiet of winter, while we eagerly look forward to the rejuvenation spring brings.”
Another expert adds her thoughts about this scent profile. “For us, it’s all about the blend of earthy, woodsy scents with a pop of floral freshness,” says Diane Mendoza of Never Alone Candles. “Think the floral vibrancy of lavender mixed with the earthy depth of oakmoss. It’s the perfect scent combo for transitioning from the cozy, reflective winter to the fresh, hopeful vibes of spring — like a breath of fresh air for your living space.”
Spring forward with flowers and citrus
Of course, you can skip the woody, spicy or sweet notes in your winter candle scents if you’ve been long-awaiting spring. We encourage you to go ahead and embrace every warm breeze – while lighting candles in scents that speed the next season along.
According to an owner at Gratus Candles,” Our favorite transitional scents from winter to spring would have to be a mixture of earthy, citrus and floral! This is because while our senses are use to those traditional winter fragrances filled with spices, earthy, and sweet notes, transitioning to fragrances that embody the warmer weather, such as: citrus and floral, while keeping true to those earth notes, will bring a familiarity to your visitors while easing them into the welcoming spring scents of the new season!
Caitlin Wheeler of Old North Candle Company explains this perfectly. “Our favorite way to transition from winter to spring scents is to focus on light, fruity blends. It feels too early to commit to floral scents, but most of the winter scents feel a bit heavy for this time of year. Fragrance notes of mint and chamomile are comforting on those lingering cold days, while mandarin and basil notes brighten up the scent to welcome in those airy, spring mornings.”
This sentiment seems to be echoed by other candle entrepreneurs, too. “Citrus and delicate floral fragrances are ideal for the season, as they offer a light, refreshing touch and harmonize beautifully when paired together,” posits Neosha Franklin, Owner & Candle artisan of Serene Nights Candle Co. “Our premier fragrance pick for the transition from winter to spring boasts a delightful fusion of citrus pear, cherry, and deep musk, creating an enchanting aroma perfectly suited for this season.”
In a similar vein, Two Chicks Candles’ owners Cassandra and Latoya Cargile chime in with their own poetic advice. “As we tiptoe into the whimsical realm of spring, let’s embrace the dance of melting snow and rejuvenating rain showers with aquatic delights like sea salt, ocean breeze, and the ethereal fragrance of exotic lotus flowers, elegant water lilies and delicate orchids — nature’s symphony of renewal.
These scents aren’t just whispers on the wind; they’re soul-cleansing reminders that winter’s grasp is fading, making way for spring’s gentle embrace. Embark on an aromatic journey where each inhale is a celebration of renewal and the enchanting allure of changing seasons. A blend of sea salt, lush green leaves, amber and freesia perfectly captures this transition.”
Despite the release of economic data that sounds like it should matter to markets (mainly “GDP”), the bonds that drive interest rates had a remarkably calm day on Wednesday. This is the latest in a series of mostly remarkably calm days for just over two weeks now.
The timing makes sense. The most recent CPI report (the Consumer Price Index) was released just over two weeks ago and it send rates significantly higher. Indeed, yesterday’s average conventional 30yr fixed rate matched its highest level in roughly 3 months yesterday, thus making today’s microscopic improvement a rather hollow victory.
As for GDP, it’s no surprise to see markets look past that data. Not only is it too broad to deliver the most needed cues, it also happens to be quite stale. After all, today’s GDP release is still looking back to Oct-Dec, 2023. That will STILL be the case when it comes out next month. In other words, it’s the biggest, most stale report card on the US economy. The investors who are making the trades that move interest rates are infinitely more focused on things like the big jobs report out next Friday or CPI the following week.
The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:
Learn how to utilize a tax advantaged 529 plan to help your or a friend’s children save for future education expenses.
This Week in Your Money: What are the risks of purchasing a home without an inspection? How can you plan for major expenses when healthcare providers can’t tell you how much their services will cost? Hosts Sean Pyles and Sara Rathner share their hot takes on unexpected financial challenges, with tips and tricks on handling surprise expenses, understanding the importance of home inspections, and dealing with healthcare industry inefficiencies.
Today’s Money Question: What are the benefits of a 529 college savings plan? Can you contribute to a friend’s 529 plan to support their child’s future? NerdWallet writer Elizabeth Ayoola joins Sean and Sara to discuss the essentials of 529 college savings plans. They discuss the types of educational expenses covered, the tax benefits associated with 529 plans, and the flexibility of choosing different state plans. They also answer a listener’s question about how to approach the sensitive topic of financial gifts for education with parents, sharing methods for contributing to a loved one’s 529 plan without overstepping boundaries. Then, they discuss the implications of the Secure Act 2.0 on 529 plans, methods for estimating necessary savings for a child’s education, and tactful ways to discuss educational contributions with parents.
Check out this episode on your favorite podcast platform, including:
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Episode transcript
This transcript was generated from podcast audio by an AI tool.
Sara Rathner:
Hey Sean, has money ever made you mad?
Sean Pyles:
Yeah, it has, especially when I get a bill that I don’t expect to pay but have to anyway. So yeah, why?
Sara Rathner:
Yeah. Yeah, those surprise major expenses are a huge pain. I just had to replace my washing machine because the fun never stops in my house.
In this episode, we are going to let off a little steam about what makes us mad in the world of money.
Sean Pyles:
Welcome to NerdWallet’s Smart Money Podcast. Our job today is to help you be smarter with your money, one money question at a time. I’m Sean Pyles.
Sara Rathner:
And I’m Sara Rathner.
So listener, this show is all about you and your money questions. So, whatever financial decision you’re pondering, whatever’s making you mad about your money, let us know.
Sean Pyles:
Leave a voicemail or text the Nerd hotline at 901-730-6373. That’s 901-730-NERD. Or you can email your questions to podcast@nerdwallet com.
Sara Rathner:
In this episode, Sean and I answer a listener’s question about contributing to 529 accounts for your loved ones. But first, we’re going to yell into the void in our semi-regular Money Hot Takes segment.
Sean Pyles:
So here’s how this works. Sara and I just rail against whatever we feel like in the world of money. And let’s put, say, 100 seconds on the clock. That’s what? A second for every penny in a dollar. I don’t know, it’s just an arbitrary number really.
Sara Rathner:
That works for me. It’s a nice round number.
Sean Pyles:
All right, Sara, are you ready?
Sara Rathner:
Sean Pyles:
I’m starting my timer. Go.
Sara Rathner:
All right. I hate the trend where home buyers feel pressure to completely waive getting a home inspection before buying a property. That’s different from the type of waiver where you’ll still do the inspection, but then you’re assuming the cost of anything you find. It’s when you just do without the inspection entirely.
I live in a block of houses that are like 107 years old, and two houses on my block sold with waived inspections where the buyers had to put tens of thousands of dollars unexpectedly into problems in their house that they didn’t know about. I just had a neighbor text me asking for a roofer because the first time it rained since she moved in her house, it started raining on the inside of her house, which means that the seller just lived with that for however long before selling the house and passing the problem onto somebody else.
So especially if you’re a first-time home buyer, if you are going to drain your savings to buy your house, and then you’re not going to have much money left for repairs, be really careful about this. And as a society, can we just make inspections mandatory? That’s more consumer-friendly, honestly. People need to know what they’re getting into, and frankly, people should feel pressure to keep their houses well maintained before sale. There I said it.
Sean Pyles:
You’ve got 40 more seconds if you want to keep on railing.
Sara Rathner:
Oh man, I do? Well, if you haven’t bought a home yet, what’s nice about getting an inspector involved is they’ll look at all the major systems of the house, the appliances, the roof, all sorts of stuff, the electrical, the plumbing, and they will tell you the lifespan of some of those major things like a furnace or a boiler, your roof, your HVAC system. And even if something is going to go in the next year or two, at least you have this laundry list of things and when they’ll probably need to be replaced, and you can begin to budget for those replacements.
Sean Pyles:
Okay, that’s 100 seconds.
Sara Rathner:
Boom. All right, Sean, you got any reaction?
Sean Pyles:
Well, I totally feel that, because buying a house without knowing what’s wrong with it is very risky financially. Buying a house can be financially risky in and of itself, depending on how expensive the home is. But imagine getting into the house, it’s your first day, you’re super happy to be a homeowner, and then you realize, oh, it’s raining inside the house, or the crawl space is infested with termites. You don’t know what you’re getting into if you don’t have an inspection. And even if it may make you a more competitive buyer, it isn’t worth it, in my opinion, to get yourself into something like that because you just don’t understand the risks you could be taking on. And I’m all about mitigating risks as much as possible.
Sara Rathner:
All right, Sean, I have had my turn, and now it is your turn. I have set my timer for 100 seconds. And go.
Sean Pyles:
Okay. Today I am mad about industries that are designed to extract money from us while making our lives miserable or at least really frustrating. And I have one, maybe two, examples depending on how far 100 seconds takes me.
First step is healthcare. Americans spend far more on healthcare than other wealthy nations. Nearly 18% of our GDP in 2021 went to healthcare. And what are we getting for it? An incompetent extractive industry that exploits nearly everyone that engages with it. Among wealthy nations, the US has the highest rates of infant and maternal mortality and excess deaths, not to mention the daily indignities that come with trying to access healthcare.
I have a recent example that is a microcosm of these larger issues. I recently got a bill in the mail for some regular lab work, and the thing is, I have these labs done every few months, and they’re always covered by my insurance. But this time I got a surprise bill for nearly $200, and I’d already had an expensive month with some car repairs, and I was not excited about the prospect of an additional $200 to cover. So I called my doctor, and they said, “Oh yeah, the company that does the lab work just messed up. Oops, just disregard the bill.”
So if I hadn’t called my doctor, I would have been on the hook for this bill. This was a relatively small bill as far as medical bills go, and it was fairly easy for me to clear up. I’m obviously very fortunate in this case, but for so many people, especially those with chronic illnesses or complex medical conditions, the onslaught of navigating insurance, verifying that you’re being billed correctly and then somehow coming up with the money to cover bill after bill is just totally exhausting and can make achieving financial goals nearly impossible.
So why am I going on and on about things that we already know too much about?
Sara Rathner:
Just so you know, you’re over time.
Sean Pyles:
Oh, God. I’m going to keep going. I’m almost done.
Sara Rathner:
Keep going, Sean. Let’s do this.
Sean Pyles:
All right. I am going on and on about this because I think it’s important to remind people that it does not have to be this way. We are in an election year, people, so I don’t know, let’s try to do something about it.
Okay, Sara, how many seconds was that?
Sara Rathner:
Oh, well I stopped timing it the second it hit the clock, so that might’ve been just an extra 10 seconds, honestly.
Sean Pyles:
Okay. It’s hard to fit so much into such a small amount of time.
Sara Rathner:
You know what? Your rage is such that it cannot be fit into a tiny container and that is valid. It’s okay to let the rage out and give it some more space.
I agree with you. What’s annoying is, for example, this past year I had a baby, and that is expensive to the tune for me of $7,000 out of pocket after insurance. Hi. $7,000 is a lot of money, people.
And what was annoying about that, and this is something for anybody who maybe is facing a planned medical procedure like a surgery or childbirth or anything like that, or who takes medication for chronic illnesses, I tried to call the billing department at the hospital to talk to my insurance company to say, “Can you at least give me an idea of how much money I will be out?” I knew going into it that I would be having a C-section. So I could say, “I’m having a C-section, that means I have to work with an anesthesiologist, which is an extra expense. Can you tell me ballpark, even if you’re off by a grand, how much should I budget for this?” And everyone’s like, “We don’t know.” Shrug emoji.
Then the bills just fly in for months and you think you’re done. So you’re like, “Okay, we’re done paying for the hospital bill. Now we can put our money into other stuff.” And then you get another bill for like, $1,100.
Sean Pyles:
And you have to question, was this billed correctly? Was it coded correctly? You don’t know. And it just flies in the face of all the things that we try to talk about in the personal finance space, which is around anticipating big expenses, budgeting for it, saving up for it if you can. It’s impossible when you don’t know what you’re going to be paying.
Sara Rathner:
Right, and if you’re facing surgery, what, are you just going to not have anesthesia to save money? Do not recommend.
Sean Pyles:
That is not a money-saving tip that we would recommend. No.
Sara Rathner:
No, that’s a place where you should spend good money, get good and numb.
But really it is an extra expense. And that’s so, so frustrating because you are not only out a lot of money, but you’re feeling kind of vulnerable because you’ve just gone through some medical stuff, even if it’s just blood work or something, and you want to take good care of your health, and it’s sometimes financially impossible to do that.
Sean Pyles:
Yeah. Not to mention completely demoralizing.
Sara Rathner:
Yeah, and some people just don’t go to the doctor because of the cost, or the dentist. And then years later, they’re faced with really serious health issues because they’ve been neglecting their health because of the cost.
Sean Pyles:
Yeah. I don’t know, it’s really tough in this space to talk about medical expenses because at NerdWallet and in the personal finance realm, we try to give actionable advice, and a lot of the time the advice is reactive. If you get a medical bill, you do have to ensure that it’s coded correctly. Maybe try to work out a payment plan with your medical office if you can’t cover the bill in one go. But it’s so hard to be proactive like you were just describing and understand what you’re going to have to pay if you want a routine procedure like blood work or something more significant like having a baby, makes me want to yell into the void all day every day.
Sara Rathner:
Yeah. Well, we took more than 100 seconds about this. If you have a body, then this is something that affects you, and it is really hard to deal with those extra unexpected costs.
Sean Pyles:
All right, so that is what we are mad about this week, listener. I know there’s a lot to be mad about in the world of money, so do not keep it in. Let us hear what you’re mad about, and we might just share it on a future episode.
You can text your Money Hot Take to us or leave a voicemail on the Nerd hotline at 901-730-6373. That’s 901-730-NERD. Or you can email it to podcast@nerdwallet com.
Sara Rathner:
All right, I don’t know about you, but my heart rate is starting to come down from all of that. Ooh, deep breaths, everyone. This episode’s money question is up next. So calm down too and stay with us.
Sean Pyles:
This episode’s money question comes from Lauren, who wrote us an email. Here it is.
“Hi nerdy Nerds. I’m not a parent. I’m never going to be a parent. Because of that, I have made it part of my financial plan to contribute to the 529 plans of kids around me. Because I don’t have nieces and nephews, I’m contributing toward the savings of my friend’s three-year-old. How much needs to go into a 529 starting at age two or three to cover a four-year private college?”
“I got the details on this kid’s 529 plan from his dad and started contributing about $100 a month. We didn’t talk about it. I intend to keep chipping in until the kid is done getting formal education 20 to 25 years from now. How do I talk to the parents? I want to understand if I’m helping enough without becoming privy to their private financial details. I also don’t want to make it seem like I have any vote whatsoever in how the kid charts an educational path. How do I broach this with the parents?”
Sara Rathner:
To help us answer this listener’s question, on this episode of the podcast, we are joined by NerdWallet writer Elizabeth Ayoola. Welcome.
Elizabeth Ayoola:
Hello, and hi.
Sean Pyles:
Elizabeth, so good to have you on.
So let’s start by setting some groundwork. Can you please describe what a 529 college savings plan is, how they work, and why they’re such a big deal?
Elizabeth Ayoola:
A 529 plan is a huge deal indeed to me anyway. I wish I had one when I went to college because I was left with a huge bill. But anyways.
529s are tax advantaged college savings plans, and they allow people to save and invest money for education expenses. So, with that said, the money gets to grow, and it gets to compound, which can mean beneficiaries have a nice education pot to pull from when they need the money. And for those who don’t know what compounding is, it’s essentially when your interest earns interest.
Sara Rathner:
It’s the eighth wonder of the world.
Elizabeth Ayoola:
Sara Rathner:
So you mentioned education expenses and that’s what the purpose of this account is, but what kinds of education expenses can you use a 529 to fund?
Elizabeth Ayoola:
Funds in a 529 account can be used to cover a vast range of qualified expenses, and that can range from tuition to computers and education related equipment. The expenses can also be used to pay for education needs of your beneficiaries. And the good thing that I like is that the beneficiaries can be in anywhere from kindergarten through grade 12. So that said, it’s not only for college students.
Sean Pyles:
Right, that is a really good point because people hear about 529 accounts, and they think they may be specifically for people going through a traditional four-year education, but people can also use the funds in the 529 college savings plan to cover things like trade schools too. So it really isn’t only for that traditional four-year higher education route.
Sara Rathner:
So earlier you mentioned that 529s are tax advantaged accounts. Can you talk a little bit about the tax treatment of them, and what should people know when they’re considering opening a 529?
Elizabeth Ayoola:
Well, one thing that I personally like about these accounts that some people don’t know also is that some states offer a tax deduction if you contribute to their plan. And when I say their plan, I mean the state that you live in. But there is no federal tax deduction for a 529 contribution. So it’s only at a state level. The tax deduction is usually capped. So no, you can’t just deduct your entire contribution. The deduction amount varies from state to state. So it’s best that you check in your state what the amount may be, if they offer it.
And a little bit off-topic, but I also like that the IRS doesn’t set a cap on your contributions to a 529 account, although some states do set a limit.
Sean Pyles:
And I’ll call out two other tax benefits of 529 college savings plans. The first is that investment growth in this account is tax-free, and second, distribution for qualified expenses like tuition or books are also tax-free.
Elizabeth, another important thing to know about 529 college savings plans is that each state has their own, and you don’t have to choose the 529 plan from the state that you live in. And this can all get a little bit confusing because there are so many states to choose from. So, at a high level, can you outline the main differences between a 529 from one state to the next, and how would someone go about choosing which state’s 529 plan to use?
Elizabeth Ayoola:
One of the major differences that people should know and a reason that people may cheat on their state’s 529 plan is lower fees. I personally have a 529 from a different state than my current home state for that very reason. So people should consider shopping around and comparing fees before opening an account. Ultimately, the goal should be to do some math and see whether the deductions and the credits that you’re going to get in the state that you live in are worth more than the lower fees that you could get in another state in the long term.
Also, note that you can open multiple 529 accounts. I have multiple 529 accounts. I recently opened a second one in my home state, Florida, because my son was awarded a grant and it could be transferred to a 529 account, but the catch was it had to be a Florida 529 plan.
Sara Rathner:
So 529s have some flexibility, which we talked about before, not just for four-year educations, but also for trade schools and for K to 12 expenses as well. And interestingly enough, 529s were just made even more flexible. Can you talk about recent changes around the ability to roll 529 funds into a Roth IRA, and what that means for folks who maybe aren’t considering going to college?
Elizabeth Ayoola:
The Secure Act 2.0 was recently passed, and if I can be honest, that’s what motivated me to open up my first 529 account, and I just opened it last year. I was always on the fence and only saved money in a brokerage account because I was afraid of what would happen if my son decided not to go to college in 15 years. He’s six, by the way.
I decided to get off the fence when the Secure Act 2.0 made it possible for people to roll at least a portion of the unused funds into a Roth account. However, you do have to wait until 15 years after you’ve opened the 529 account before you can roll those funds over. And you can also only roll up to a certain limit starting in 2024. It may be ideal to read the IRS’s rules, they have a lot of fine print around the conversion or speak to a finance professional about it.
I think Roths are also awesome because they aren’t subject to required minimum distributions and withdrawals. They’re also tax-free when you meet certain requirements like waiting until 59-1/2, amongst other rules.
Sara Rathner:
All right, well thank you for that great summary of the tax rules surrounding this new change. We just want to let you all know that we are not investing or tax professionals, and if you have any specific questions to your own situation, definitely consult a professional who can give you guidance.
Now let’s turn to the fun stuff. The math, Sean. I know that you are in the midst of your certified financial planner coursework. I have slogged through that myself. It is a lot. It is a lot of math.
Sean Pyles:
Sara Rathner:
And now that you know how to do it, I’m sure you’re eager to show off your chops. So are there any insights you can share that will help our listener figure out how much they need to save every month or every year to help their friends reach their savings goals?
Sean Pyles:
As a matter of fact, yes. And you’re right, I have been waiting for an opportunity to show off what I’ve been learning about because often I’m just doing calculations in silence and this is a time for me to be loud and proud about hitting buttons on a calculator. So let’s do it.
I’ll spare you and our listeners the specifics of the calculation, but I plugged the listener’s situation into a time value of money calculation and got a rough estimate for how much they will need to save.
Sara Rathner:
All right, drum roll. What’s the number?
Sean Pyles:
For our listener to meet the savings goal that they outlined in their question, remember, they want to save for four years of education at a private college starting now-ish and saving until the kid finishes school. They would need to save around $8,000 per year. Obviously, that’s a lot of money to contribute to a 529 account, no less for a kid who isn’t your own. And this is why 529s are often just part of the picture when it comes to paying for college, which usually includes some combination of scholarships, grants and loans and generous gifts from family friends.
Sara Rathner:
That is definitely more than a hundy a month.
Sean Pyles:
Yeah, that’s for sure.
All right, so all of that math out of the way, I want to talk about the other part of our listener’s question. They seem to be concerned about how much they should contribute and also how to talk about this with their friends. I am not a parent, so I would love to hear from both of you who are parents, how you would approach the situation if you had such a generous friend. Would you welcome the money, or say get out of my business? Or if you are going to accept this money, if you want to have this conversation with your friend, how would you want them to communicate that with you?
Elizabeth Ayoola:
Honestly, I would welcome the money, especially because I’m a single mama. So as a matter of fact, my friends always contribute to my son’s savings account in London for his birthdays or holidays and I really, really appreciate it. It can be a better gift to me than toys that stab me in the foot within a few days.
Sean Pyles:
Elizabeth Ayoola:
I would also appreciate a friend asking me what my savings goals are, so they know how to support that goal. However, I do think, for the sake of boundaries, I would like my friend to ask me my comfort level with the topic before they dive in and start trying to give advice.
I think it’s also important to note that not everyone is comfortable discussing money or financial goals. But with that said, here’s an example of maybe how somebody could say it. So you may say, “Hey, I want to help you reach John’s college savings goal. Are you comfortable discussing that target number you have in mind, and can you tell me how I can support that?” Or another option could be you saying, “Hey, would you like to do the math yourself and then let me know how I can support that goal?” So those are just a couple of options.
Sara Rathner:
Yeah, I mean, I’m not going to look a gift horse in the mouth. College is expensive now, and it’s only going to become even more expensive in the future. Even in-state tuition, where I live in Virginia, is often over $20,000 a year. That used to be the economical way to get a four-year degree, and now it’s also very, very expensive. So what’s it going to be like by the time my kid’s in college? I don’t know. A lot.
Sean Pyles:
I think we can confidently say more money.
Sara Rathner:
Confidently, we can say a whole lot more money.
I would want my friends to decide for themselves what they feel comfortable giving, because I don’t feel comfortable telling another person how they should allot their money because they have other competing financial goals and obligations. And I never want to tell another person what they can do with their money unless they specifically ask me to tell them what to do with their money, which nobody ever asks me.
Sean Pyles:
And you also don’t want to give the impression that your friends can’t look after their own family’s finances, right? That’s a bit of the awkwardness underlying the question, is you want to help someone that you care about and this child that you’re seeing grow up in the world, but you don’t want to impose your will upon them. It seems like our listener is being very thoughtful about that. And you don’t want to make it seem like you think they aren’t doing enough.
Sara Rathner:
Right, or you think their kids should go to a four-year private university because that’s what you value, but maybe the parents have other values that they want to impart upon their child as the kid grows up, and then the kid will go off and do their own thing as a young adult.
In my case, we have a 529 for our son. We have family members who’ve contributed money. They’ve just written checks to us, and then we deposit it into our account that is tied to our 529 and then deposit the money into the 529.
Ultimately, when you contribute, you do go through the account owners, and that’s oftentimes parent or guardians. You are going to have to communicate with them because they’re ultimately the gatekeeper of that account. They are the owners, and then the child is the beneficiary.
Sean Pyles:
That actually brings up something that I wanted to talk about, which is who would own this account? The listener could in theory open up a 529 account on their own for this kid. But long-term, it’s probably going to be easier if the parents are the owners of the account, because that way when the kid is eventually ready to go to college or trade school or what have you, the parent can be the one managing those distributions.
Personally, I know as a friend, as much as I love my friends and my friends’ kids, I don’t want to have to manage that down the road. So that’s something else that they should think about when they’re talking about this with their friends.
Sara Rathner:
I definitely agree with talking to the parents and ultimately contributing to an account that the parents or guardians are in charge of.
Sean Pyles:
Well, Elizabeth, do you have any final thoughts around 529s and helping your friend’s kids afford college?
Elizabeth Ayoola:
I think we have given some very juicy tips here and only two more things come to mind, which is one, while it’s noble to contribute to your friend’s kids or loved one’s kids’ 529 account, please take advantage of any state income tax deductions that you might be eligible for. The rules around this can be muddy. And I know the original listener who asked this question lives in a different state than where he’s contributing, but sometimes you’re able to get a deduction depending on the state that you live in. So if you can get money back, I mean, why not?
My second thing that I’ll say is that if your loved one doesn’t have a number in mind, guide them to a college savings calculator or run the numbers together over coffee if they’re open to doing that.
Sean Pyles:
Great. Well, thank you so much for coming on and talking with us.
Elizabeth Ayoola:
I loved it. Thank you for having me.
Sean Pyles:
And that is all we have for this episode. If you have a money question of your own, turn to the Nerds and call or text us your question at 901-730-6373. That’s 901-730-NERD. You can also email us at [email protected].
Visit nerdwallet.com/podcast for more info on this episode. And remember to follow, rate, and review us wherever you’re getting this podcast.
Sara Rathner:
This episode was produced by Sean Pyles and myself. Kevin Berry and Tess Vigeland helped with editing. Sara Brink mixed our audio. And a big thank you to NerdWallet’s editors for all of their help.
And here’s our brief disclaimer:
We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.
Sean Pyles:
And with that said, until next time, turn to the Nerds.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
Zombie debt is a broad term that refers to past debts that are still affecting you. An example of zombie debt is a three-year-old loan that should be paid off.
The term “zombie debt” refers to a past debt that shouldn’t affect you anymore yet continues to appear on your credit report. Dealing with zombie debt can be extremely complicated as debt collectors may repeatedly contact you about an account that belonged to you years ago.
Much like the characters in a post-apocalyptic story, it’s possible to overcome zombie debt with the right know-how. This guide will teach you how to deal with debt collectors and educate you on the laws relating to outstanding debt. We’ll also arm you with tools like Credit.com’s free credit report card to stave off the next wave of debt-related threats.
Key Takeaways:
Zombie debt arises based on collection agencies.
It may be possible to settle zombie debt with your original creditor.
The Fair Debt Collection Practices Act (FDCPA) helps protect you from harassment.
How Does Zombie Debt Work?
Collection activities are the most common causes of a zombie debt outbreak. Here’s a step-by-step breakdown of how a buried debt might rise from the grave:
You default on a loan, which means that you have unpaid debt.
The original lender or collection agency fails to collect within the statute of limitations.
The unpaid debt falls off your credit report after a certain amount of time.
A separate collection agency purchases your unpaid debt and tries to collect it.
That collection agency may report the debt as owed to the three major credit reporting agencies (Equifax®, Experian®, and TransUnion®). This prompts the debt to reappear on your credit report as zombie debt.
How Do I Get Rid of Zombie Debt?
Learning how and why you have zombie debt is the first step to effectively protecting yourself. When devising your zombie debt survival plan, you should also know your .
Debts Past the Statute of Limitations
The law is on your side in cases where a debt collector tries to revive a debt that’s past the statute of limitations. Credit dispute letters can help you challenge a debt with a collector—legally, they must halt collection activity until they provide documented proof that the debt is legal and still collectible.
In some cases, zombie debt collectors may be aggressive in their pursuit of payment. The Fair Debt Collection Practices Act (FDCPA) prevents creditors from harassing you, so consult an attorney if you believe anyone is infringing on your rights.
Remember that one of your Fair Credit Reporting Act (FCRA) rights is to have an accurate credit report. If a collection agency reports a dead debt, you may be able to dispute it.
When Judgments Revive Debts
If a judge rules that the creditor can renew the debt, it could be collectible for years. In some cases, they could hold you liable for decades.
There are a few options for dealing with this type of zombie debt. First, contact the creditor that originally secured the judgment. Work directly with them and not a secondary collection agency.
If the debt is still owed, try to negotiate a settlement. The debt is old now, and they may accept a partial payment of the balance and agree to list the collection as paid. Once that occurs, no one else can continue to take action to collect the money from you.
If you can’t afford to settle the debt or you’re dealing with several collection accounts or judgments, you might consider bankruptcy.
While you’re under the protection of bankruptcy, no creditor covered by the petition can take any action to collect from you. Once the bankruptcy is finalized, the debts are considered settled and paid off.
Protect Yourself From Zombie Debt With Credit.com
An encounter with zombie debt might be spooky, but it’s important to stay calm. Our guide outlined several ways to deal with this unexpected threat, but monitoring your credit can help you stave off future attacks.
Credit.com’s ExtraCredit® service helps you track activity on your credit report and address errors or other surprises if they arise. ExtraCredit can also protect you from bad actors on the internet and alert you if anyone attempts to steal your identity.
Looking for the best summer jobs for teachers? Teachers, just like students, really enjoy the summer break. It’s a great time for them to relax and feel refreshed. But, this break can also be a chance for teachers to make extra money and even start a new business. I know many, many teachers who have…
Looking for the best summer jobs for teachers?
Teachers, just like students, really enjoy the summer break. It’s a great time for them to relax and feel refreshed. But, this break can also be a chance for teachers to make extra money and even start a new business.
I know many, many teachers who have side hustles in the summer. From part-time gigs to full-time summer businesses, there are many side jobs for teachers that you may want to try out.
Best Summer Jobs for Teachers
There are many summer jobs for teachers listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:
Flexible way to freelance – Proofreading
Side job for teachers from home – Blogging
How to make passive income as a teacher – Sell printables
Work as much or as little as you want – Flea market flipping
Creative job idea – Dog treat baker
Side job for teachers in summer – Grocery shopper
Camp counselor – If you love the outdoors, being a camp educator can be both rewarding and enjoyable, combining teaching with adventure activities.
Summer school teacher – Many schools have summer classes where you can continue teaching.
1. Teach summer school
One clear way for teachers to earn extra money in the summer is by teaching summer school.
It’s a good way to use your teaching abilities and make some additional income. The best part is that summer school happens during your summer break (big surprise, right?!), so it fits well with your schedule when you’re already off from regular school.
To start, check with your local school districts. A lot of them have summer school programs, and they usually share job opportunities on their websites or local education job boards.
2. Sell educational printables
Selling educational printables is a way for teachers to earn extra money. It’s especially good for those who want to make passive income as a teacher.
Your materials, like worksheets, lesson plans, and activities, are helpful to other teachers and parents looking for high-quality educational content.
Some places to sell your educational printables include:
Teachers Pay Teachers(TPT) – This is a popular site where millions of teachers buy and sell original educational resources.
Etsy – This site is known for handmade items, but also is a great place for selling educational materials and printables.
Educational printables include things like math problems, vocabulary cards, and science experiments. They’re useful for different grades, age groups, and learning goals, making it simple to improve regular teaching or homeschooling. You can share these resources online or print them for in-person classes too.
Recommended reading: How I Make $400,000 Per Year Selling Educational Printables.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
3. Flip used items for resale
Trying your hand at flipping items from flea markets and thrift shops can be a fun and money-making summer job for you as a teacher.
Flippers are people who find items at flea markets, yard sales, and thrift stores that are priced lower than their actual value. They then sell these items for a profit.
The summer is a great time to do this because there are typically a lot of yard sales, flea markets, and people just in general decluttering more (so you may find more things that people are giving away), where you can find items to resell.
Some items that you can buy and resell include clothing, antique furniture, collectible toys, sports equipment, electronics, rare books, jewelry, and more.
10
This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
4. Tutor
During the summer, your teaching skills are still needed. Tutoring can be a flexible and fulfilling summer job that lets you work with students one-on-one either online or in person.
You may be able to tutor on subjects like math, foreign language, science, and more. You also may be tutoring kids, teenagers, or even adults.
To begin, you can look for tutoring jobs on online tutoring sites like Tutor.com. You can also sell in-person local tutoring sessions by reaching out to tutoring companies nearby or advertising your services on social media or in local Facebook parent groups for your area.
5. Camp counselor
Becoming a camp counselor could be a rewarding experience for you in the summer. In this job, you’d guide groups of children through indoor and outdoor activities, as well as educational programs at summer camps.
Your daily tasks would include keeping campers safe, organizing games, and giving both educational and emotional support.
Summer camps come in different types, ranging from general adventure camps to specialized ones focusing on sports, arts, or science.
6. Freelance bookkeeping gigs
If you like numbers and you’re a teacher, online bookkeeping can be a way to spend your summer.
A bookkeeper is someone who assists in managing and tracking the financial aspects of a business. They usually keep records of sales, track expenses, and generate financial reports.
People with virtual bookkeeping jobs work from home, handling their responsibilities remotely. Virtual bookkeeping is a great choice for remote work as all tasks can be completed online or with computer software, eliminating the need to go into an office physically.
Recommended reading: How To Find Online Bookkeeping Jobs
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
7. Swim instructor
If you’re a teacher who loves the water, becoming a swim instructor for the summer could be the perfect seasonal job for you. Your educational background gives you the ability to communicate and manage classes, which are important skills for teaching swimming.
To find swim instructor jobs:
Look on websites like Craigslist or Facebook for listings, including summer-specific roles.
Check out local community centers, pools, and summer camps.
Networking can help, so let friends and professional contacts know you’re looking.
Another job similar to this would be to become a lifeguard at a local pool.
8. Tour guide for local attractions
As a teacher, your ability to tell stories and lead can be very useful for a summer job as a tour guide. Your skill in explaining things well makes you a great choice to share history and local stories with visitors.
Check out jobs at museums, historical places, or become an ambassador for your city by guiding people to discover hidden treasures.
9. Pet care jobs
If you’re a teacher who loves animals, you may want to look into summer jobs in pet care, like being a dog walker or pet sitter. Your caring skills can easily transition to taking good care of furry friends while students are on break.
Rover is a website that connects pet owners with pet sitters and dog walkers. You can choose to do this job on weekends throughout the year or only open your schedule during the summer months – it’s your choice.
Starting on Rover is simple – you create a profile sharing your experience with pets and the services you can offer, such as dog walking, pet sitting, and house sitting.
After that, customers will send you requests, and you can discuss pricing. Rover handles the payment process, and you’ll get paid directly into your account.
Recommended reading: 7 Best Dog Walking Apps To Make Extra Money
10. Test prep instructor
As a teacher, your knowledge of academic subjects is very helpful, especially in the summer. Becoming a test prep instructor can be a great chance to help students in getting ready for their exams and earn extra money.
Test prep instructor jobs include subjects like math and English, and they cater to different education levels, from elementary school to college.
11. Sell your lesson plans
Teachers Pay Teachers (TPT) is a website made just for educators to buy and sell educational items, and it’s a well-liked side hustle for teachers. If you’ve created lesson plans, worksheets, or other teaching tools for your class, you can share them on TPT and make some extra income.
The school year may be over for you, but that doesn’t mean that you can’t create and sell lesson plans – these are bought year-round!
You can sell:
Lesson plans and unit studies
Worksheets and printable activities
PowerPoint presentations and interactive notebooks
Posters, charts, and visual aids
On Teachers Pay Teachers, the typical teacher can earn around an extra $300 to $500. However, some teachers make hundreds of thousands of dollars extra each year.
12. Coach a school sport
If you love sports and you’re a teacher, coaching a school sport during the summer might be a great match for your skills and interests.
Coaching a school sport is a great option within your own school district, as many schools need help with their sports teams. You can try coaching sports like soccer, basketball, volleyball, and track and field. Additionally, there are opportunities with after-school clubs such as yearbook, chess, choir, and more that can be a teacher’s side hustle.
13. Run a dog bakery
Beginning a dog bakery can be an enjoyable side job for teachers who adore both dogs and baking. By creating treats for dogs such as cupcakes, cookies, cakes, and more, you can earn an additional $500 to $1,000, or even more, each month.
Recommended reading: How I Make $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
14. Sell handmade goods on Etsy
Etsy is a popular online marketplace that connects makers and shoppers looking for unique handmade goods. If you’re a teacher with a creative side, this could be a great site for you to showcase and sell your crafts during the summer months.
Some examples of what you can sell on Etsy that are related to school include:
Educational games and activities
Educational materials like lesson planners and printable worksheets
Handcrafted classroom decorations or educational games
Personalized items such as bookmarks, nameplates, or tote bags
But, you don’t have to only sell teaching-related items. You can sell many other things such as furniture, clothing, jewelry, soap, home decor, and more.
15. Work at a restaurant
Many teachers work part-time or full-time at a restaurant during the summer as servers, hosts, bartenders, and kitchen staff.
Working in restaurants can fit teachers well since they have flexible hours that can match your open summer schedule, and you can leave the job easily once school resumes in the fall.
I know many, many people who have done this, and I would say this is one of the top summer jobs for teachers.
16. Proofread
As a teacher, you likely excel at proofreading and can easily catch mistakes. Using these skills, proofreading can be a fantastic side job. By proofreading, you can help authors, website owners, students, and others in their writing while earning extra income.
Even the best writers can overlook errors in grammar, punctuation, and spelling. That’s why having a proofreader can be helpful for nearly everyone.
You can usually set your own hours, which is perfect for the irregular schedules you might have.
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
17. House sit
House sitting is a good option for teachers looking to make extra income during the summer months because a lot of people take vacations in the summer. As a house sitter, you are typically responsible for maintaining someone’s home while they are away. This can include watering plants, collecting mail, and making sure the house remains secure.
People hire house sitters to make sure their homes aren’t left empty, as a visible presence can discourage potential thefts.
To begin house sitting, you can join house-sitting websites to find gigs in your area or ask for referrals from friends and family. Starting with people you know for house-sitting and then using their references can expand your job search.
18. Blog
Blogging can be an enjoyable way for you, as a teacher, to earn extra money from home. Many teachers run blogs, and it makes sense – you can blog when you have free time, without sticking to a strict schedule.
To start your blog, first, pick a topic you’re passionate about, maybe something related to your teaching field or a hobby you enjoy. There are plenty of different niche ideas such as personal finance, travel, food, home, pets, and so much more.
You can earn money as a blogger through ways like:
Affiliate marketing – Share links to products or services related to your blog topic and earn a commission for sales made through your referral links.
Advertising – Add display ads or sponsored posts on your blog.
Courses and ebooks – Create courses or ebooks in your expertise area and sell them through your blog.
Learn more at How To Start A Blog FREE Course.
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
19. Freelance writing
If you’re looking for remote summer jobs for teachers, then becoming a freelance writer can be a great option.
Freelance writers create content for blogs, websites, magazines, newspapers, advertising companies, and more. You can find writing jobs on platforms like Upwork and Fiverr. Also, you can find clients independently by reaching out to websites you are interested in writing for.
I have been a freelance writer for years, and it all started as a side hustle. This is a great side hustle because you can choose to work as much or as little as you want, such as if you are only looking to do freelance writing in the summer months when you are not teaching at a school.
Recommended reading: 14 Places To Find Beginner Freelance Writing Jobs
20. Transcribe
An online transcriptionist’s role involves listening to video or audio files and typing out the content they hear. Various types of transcriptionists exist, including legal, general, and medical transcriptionists.
This job demands solid typing and listening skills, and the flexibility to work from home on your schedule. Transcriptionists typically earn an average of $15 to $30 per hour.
This is another great side hustle because you can choose to work as much or as little as you want, such as if you are only looking to make extra money during the summer months.
I recommend signing up for FREE Workshop: Is a Career in Transcription Right for You? You’ll learn how to get started as a transcriptionist, how you can find transcription work, and more.
Recommended reading: 18 Best Beginner Online Transcription Jobs To Make $2,000 Monthly
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
21. Rent out an unused room in your home
If you have a spare room in your house, you might want to try renting it out over the summer. Platforms such as Airbnb or Vrbo make it easy for you.
I have rented out rooms to others in the past, and it has been a great way to make extra money. If you live in a touristy area, this could even be a gig that you only do in the summers and earn enough to cover your bills or at least pay for some of them.
22. Rent your garage space
If you have available storage space like a garage, driveway, closet, basement, or attic, you might consider renting it out to make extra money. This can be a profitable side hustle without requiring much of your spare time.
Neighbor is a platform where you can list your extra space for rent and potentially earn up to $15,000 per year.
This is a gig that may take up more than just your summer because typically people may store their stuff more long-term. But, you may find some people who only need to store things a few months at a time or perhaps you can also try to turn this into a year-round side hustle.
Recommended reading: Neighbor Review: Make Money Renting Your Storage Space
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You can use this website to list your unused space for rent and make up to $15,000 per year by doing so. With Neighbor, you can rent out your garage, driveway, basement, parking lot, shed, warehouse, carport, attic, street parking, or even a closet.
23. Teach English as a second language
If you’re a teacher looking for a seasonal opportunity, teaching English as a second language (ESL) during the summer can be a rewarding experience.
Many institutions are looking to hire for ESL teaching jobs, ranging from local schools to international language camps and online platforms. Here’s how you can get started and what you might expect:
Typically, ESL teachers need a bachelor’s degree and a teaching credential like TEFL (teaching English as a foreign language) certification. Some positions abroad might have additional requirements.
24. Answer online surveys
If you’re looking for a flexible way to earn extra cash during the summer, answering online surveys could be a great fit. Companies are always in search of genuine feedback to improve their products or services, and your opinions are valuable.
Now, this won’t be a full-time job, but you share your thoughts and can make extra money or free gift cards on your own schedule.
The survey companies I recommend are:
Swagbucks
User Interviews – These are the highest paying surveys with the average being around $60 for an hour of your time.
Branded Surveys
American Consumer Opinion
Pinecone Research
PrizeRebel
InboxDollars
Recommended reading: 18 Best Paid Survey Sites To Make $100+ Per Month
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User Interviews pays very well for market research studies and these are some of the highest paying online surveys, with each paying $50 to $100 or more. The average pays over $60.
25. Mystery shop
Companies hire mystery shoppers to gain insights into their customers’ experiences. They seek genuine opinions on products, feedback on customer treatment, evaluations of phone call interactions, and more. Mystery shoppers play a key role in providing valuable feedback to companies.
This is a great summer side hustle for teachers because you can simply pick up mystery shopping jobs when you need them. So, it’s completely okay and normal to only accept jobs during the summer.
Here’s what mystery shoppers do:
Visit businesses anonymously.
Complete specific tasks, such as purchasing a product or asking questions.
Record your observations.
Provide a detailed report on your experience.
I have done many secret shopping jobs over the years, and I often got mystery shops that provided me with $100 to cover a free dinner.
Recommended reading: How To Become A Mystery Shopper
26. Find gigs on Craigslist
Craigslist can be a goldmine for finding great summer jobs for teachers. It’s a site where individuals and businesses post quick jobs to make extra money.
You can find these gigs by going to the Craigslist website for your city or area. Right on the home page, you’ll spot a section labeled “Gigs.” This is where short-term job offers are posted, ranging from labor-intensive tasks to more skill-specific roles.
Here are some jobs I have found in the past on Craigslist:
Moving boxes to a new house
Deep cleaning a home
Putting together new furniture out of a box
Taking down a shed in a backyard
Handyman
Movie extra
Event parking help
27. Deliver groceries with Instacart
If you’re a teacher looking for flexible summer jobs for teachers, try delivering groceries with Instacart.
Grocery delivery services, like Instacart, are in demand as more people prefer having someone else do their grocery shopping.
Becoming a personal grocery shopper with services like Instacart can earn you an average of $15 to $20 per hour for delivering groceries. You’re paid per order, and you get to keep 100% of your tips. The flexibility allows teachers to choose their schedules, working in the evenings, on weekends, or even exclusively during the summer.
Recommended reading: Instacart Shopper Review: How much do Instacart Shoppers earn?
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Instacart is a popular website for people looking to earn extra money shopping for and delivering groceries. Instacart gives you the option to turn your free time into a chance to make some extra money.
28. Real estate agent
If you’re a teacher looking for a productive way to spend your summer months, you may consider becoming a real estate agent.
Some teachers work as real estate agents alongside their full-time teaching jobs. This is possible because you can list and sell homes during weekends, breaks, evenings, and over the summer.
However, selling homes may have some challenges, as clients may occasionally require your full attention during the day, and you might be occupied with teaching. This is something to consider before getting into real estate as a side job.
29. Virtual assistant
If you’re a teacher looking for a flexible summer job that pays well, becoming a virtual assistant (VA) could be a perfect fit. As a VA, you can use your organizational skills and attention to detail to help businesses and entrepreneurs from the comfort of your home.
Some examples of what a VA does include:
Email management – Keep inboxes organized and respond to emails on behalf of your clients.
Scheduling – Manage calendars, arrange meetings, and send reminders.
File organization – Keep digital files in order using online tools like Google Drive or Dropbox.
Recommended reading: Best Ways To Find Virtual Assistant Jobs
30. Drive for Uber or Lyft
Driving for Uber or Lyft can give you a flexible way to earn money during your summer break.
You get to set your own hours and work as much or as little as you desire, meaning you can align this job with your summer plans.
31. Library assistant
As a teacher, your skills are a natural fit for a summer position as a library assistant. Libraries often seek additional staff during the summer months, providing a great opportunity for you to engage in a role that supports literacy and learning in a calm environment.
Your job may include doing things such as:
Organizing books – Keeping the library orderly and materials easy to access
Circulation desk duties – Checking books in and out for people
Helping library users – Helping visitors find books and resources, and answering inquiries
You can simply contact libraries near you to see if they are hiring.
32. Driver’s ed teacher
Teaching driving lessons to teenagers and adults is a popular side hustle for teachers. If you’re interested, you can check if the high school near you needs a teacher for this subject. Alternatively, reach out to a local driving school to inquire about potential teaching opportunities.
Driving instructors make around $20 an hour more or less, depending on where you live.
Back when I was in high school, I actually took my driver’s ed course at my high school in the summer. It was an easy summer credit, and I also got a discount on my car insurance. One of the teachers taught this course and it seemed fairly easy (other than having to deal with a bunch of us high school students over the summer who were wanting to learn how to drive, ha!).
33. Babysitting
Babysitting can be a side job for teachers, and depending on your location, you might earn around $15 to $25 per hour. Parents tend to prefer hiring teachers as babysitters due to their extensive experience with children.
Becoming a babysitter can be a great way to make extra money in the summer as well, as you can choose to sign up for babysitting jobs that are only during this time.
Plus, many families need extra help during the summer because school is not in session, but the parents still have to work. That is where you come in!
Another job similar to this would be elderly companion care.
Frequently Asked Questions
Below are answers to common questions about finding summer jobs for teachers.
Do teachers still make money during the summer?
Yes, many teachers do receive income during the summer, especially if their annual salary is distributed over 12 months. However, if you’re paid only for the months you work, looking for summer employment can supplement your income during this period. Not all teachers have summer gigs, but those who want to make income in addition to their teacher salaries may try to find something in the summer.
What is the best summer job for a teacher?
The best summer job for a teacher often capitalizes on their skill set. Positions like tutoring, educational program coordination, or teaching summer school are highly relevant options. Teachers might also consider roles in curriculum development or educational content creation.
What jobs exist for substitute teachers looking for summer employment?
Substitute teachers can find summer jobs in other educational roles, such as tutoring, mentoring, or working in summer camps. Many community centers and educational institutions also look for qualified professionals to lead summer workshops or help with childcare programs.
What are some summer jobs for teachers from home?
Teachers looking for summer jobs from home can find opportunities such as online tutoring or virtual summer school teaching. Other side gig ideas include writing content for websites, blogging, transcribing, and more.
Best Summer Jobs for Teachers – Summary
I hope you enjoyed this article on the best summer jobs for teachers.
As you can see, there are many ways to make extra money over your summer vacation.
Teachers have lots of options during the summer. They can stick with education by teaching summer school or tutoring. Or, they can try something new like being a camp counselor or giving local tours.
Teachers who like trying out new things might sell educational printables, sell things for profit, or sell services like pet care or freelance writing.
What do you think are the best jobs for teachers in the summer?