Red is one of those colors you either love or you hate. The right type of fiery personality struts it with confidence or splashes it about in their home decor. That said, we are not typcially that person save a good red lipstick!. But with a tinge of orange and a hint of rust, a fresh poppy hue has us rethinking our refusal to experiment with red really hard. It’s jolting without being offensive to the eyes and it’s subtle undertones make it surprisingly sophisticated. Best part is, you just need a pop of it!
What do you red-haters say? Good, right? Those shiny, lacquered cabinets really get us going in a good way! and those bold strokes in the abstract painting just bring it home. We also can never say no to a blood orange anything and juju hats in that same audacious color perfectly offset a super neutral room.
We have to say poppy may have just become our new bold obsession!
SHOP OUR FAVORITE POPPY PIECES!
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image 1 via Interior Design // 2 via M Bakes // 3 via Haymes // 4 via Architectural Digest Espana // 5 via Bon George // 6 via Angus Fergusson
Welcome to the ultimate guide for anyone considering a move to the lively city of Chicago. Moving to Chicago can be thrilling and overwhelming, but fear not – Redfin has you covered. Whether you’re drawn to the mesmerizing skyline, the deep-dish pizza, or the rich cultural scene, you should know some crucial things before calling the Windy City your new home. From navigating the diverse neighborhoods to understanding the unpredictable weather, we’ll equip you with valuable insights to ensure a smooth transition. So, whether you’re moving into your new studio apartment in Chicago or your new house in the city, buckle up and get ready to uncover the essential tips and tricks to make your move to Chicago an unforgettable experience.
1. The cost of living is high
One of the most crucial things to know before moving to Chicago is the the high cost of living in Chicago. The expenses in Chicago can be steep. In fact, the cost of living is 19% higher than the national average. Housing costs in particular are 50% more than the national average and tend to be most expensive in desirable neighborhoods like the Loop, River North, or Lincoln Park. Additionally, everyday expenses such as groceries, transportation, and healthcare are generally pricier in the city. When planning a budget for living in Chicago, it’s essential to consider these factors. Additionally, it’s worth noting that the farther you venture outside the city, the more affordable suburbs you’ll discover.
2. There is a great sense of community in the city
From vibrant neighborhood festivals and local initiatives to a rich tapestry of cultural diversity, the city fosters a welcoming atmosphere that creates lasting connections and a shared sense of belonging.
“What sets Chicago apart is its remarkable sense of community, where people come together, support one another, and create lasting connections,” says Jodie Baudek from Essence of Life Chicago, an integrative wellness company. “If you plan to make this city your home, research and find the neighborhood that resonates with your spirit. That’s where you’ll discover your tribe, your people, and the place where you’ll truly thrive.”
3. Chicago is a food lover’s paradise
The city is renowned for its deep-dish pizza, an iconic staple that has gained worldwide recognition. However, Chicago’s food offerings extend far beyond pizza, and it’s great to know before you move to there. From neighborhood hot dog stands to Michelin-starred restaurants, the city boasts a plethora of culinary delights that cater to every palate. With its rich cultural heritage, Chicago showcases an incredible variety of international cuisines, including Italian, Mexican, Chinese, Indian, and more. The city is also known for its bustling food markets, such as the famous Chicago French Market and the revitalized Chicago Riverwalk, where visitors can savor artisanal foods and local specialties.
4. You’ll find many charming neighborhoods
Chicago neighborhoods are brimming with charm and offer a unique blend of history, culture, and community. From the vibrant and artistic Avalon Park to the picturesque and diverse South Shore, these southern neighborhoods showcase architectural gems, local eateries, and vibrant street life, making them a must-visit for anyone seeking an authentic Chicago experience.
Abbey Brown, a local soap artisan shares, “Walking, biking, and an easy commute by bus or train are how we roll here in Chicago. Once here, make your way to find creative neighborhoods with architectural delights. Each area has specialty shops, unique flavors, and experiences that will draw you in perfectly, making Chicago your home base.”
If you’re in the Beverly neighborhood, start your south-side adventure at the 99th and Wood Street stations district. First stop, fill your belly with the succulent South Side Short Rib Grilled Cheese from Afro Joes’. Next, head straight to the award-winning Five-Star Cakewalk Chicago flagship store, where baking enthusiasts can find essential supplies for mixing up delicious traditions and classes from Chef Lori to elevate your skills.
5. There are hidden gems throughout the city’s architecture
Chicago’s architecture is a stunning testament to the city’s rich history and innovative spirit. From the iconic skyscrapers of the Loop to the grandeur of Frank Lloyd Wright’s designs, Chicago’s architectural landscape is a breathtaking blend of classic elegance and bold modernity.
“Chicago is known for its architecture, but less known is that many of the historic buildings have lobbies open to the public,” says Chicago Private Tours and Productions. “This includes the restored-to-1890s Monadnock Building and the Frank Lloyd Wright-designed atrium of the Rookery Building. Inside the Chicago Athletic Association Hotel lobby, you can easily imagine the wealthy elite drinking Scotch by the fireplaces while they divide the city.”
6. Sports are a huge part of Chicago life
If you’re a sports enthusiast, Chicago is for you. The city is home to several iconic franchises, including the Chicago Cubs and the Chicago White Sox in Major League Baseball, the Chicago Bears in the National Football League, the Chicago Bulls in the National Basketball Association, and the Chicago Blackhawks in the National Hockey League. Whether you’re a baseball, football, basketball, or hockey fan, there is a Chicago team to cheer on. The city’s sports culture is deeply ingrained, and attending a game at one of the historic venues, such as Wrigley Field or Soldier Field, is an experience unlike any other.
7. Chicago is a hub for car enthusiasts
With its bustling auto scene and many automotive events, Chicago is a haven for car enthusiasts. From the annual Chicago Auto Show, showcasing the latest models and innovations, to the thriving car culture and regular meetups, the city offers an exciting haven for those passionate about all things automotive.
“For automotive enthusiasts, you’ll be pleased to know that Chicago offers a thriving car culture,” shares Matt Farnsworth from Vintage Ltd., a men’s motorsport apparel company. “You’ll find numerous car clubs, auto shows, and events throughout the year, including the renowned Chicago Auto Show held annually at McCormick Place. Additionally, this year’s NASCAR race will be held in downtown Chicago, providing an exciting opportunity for racing fans to experience the thrill of high-speed action in the city’s heart.”
8. You’ll find the city full of robust history and culture
Chicago’s rich history, from trading post to innovative industry hub, contributes to its robust and captivating legacy. Renowned architecture, world-class museums, thriving music and theater scenes—all contribute to the vibrant cultural legacy of the city.
The Firehouse Dream, a local space for BIPOC creatives, shares, “As a community-centered organization, the robust history and culture is important to know before moving to Chicago. As a diverse city, it provides various cultural experiences through food, art, and community-led projects that bring awareness to each neighborhood, like Humboldt Park, Bronzeville, Chinatown, and more. Consider how you can use food, music, and activities to learn more about all the beautiful culture here.”
9. The weather can be hard to adjust to
The weather in Chicago is famously unpredictable, with rapid changes that can occur within hours. Chicago’s weather demands preparedness year-round as residents and visitors face sudden temperature drops, snowstorms, heatwaves, and thunderstorms.
When you’re ready to beat the summer heat or take a break from the bitter cold, take a sweet retreat at Sat Nam Yoga. Located just 10 minutes west of the hustle and bustle of the lake and shopping district, this quiet oasis provides a perfect escape. Check out a yoga class or sound bath to take a rest at this popular Chicago healing sanctuary.
10. There are various housing options available
Chicago offers diverse housing options to suit different preferences and budgets. From high-rise apartments in the downtown area to charming brownstones in historic neighborhoods like Lincoln Park and Lake View, there are options for everyone in Chicago. Suburban areas surrounding the city provide spacious single-family homes and townhouses, ideal for families or those seeking a quieter lifestyle. Moreover, the city has witnessed a rise in contemporary and upscale apartment complexes, offering amenities like concierge services.
11. Plenty of efficient public transportation can be found
Chicago boasts a robust and efficient public transportation system that caters to the needs of its residents. The city’s trains, buses, and options for commuters create a reliable transportation network covering neighborhoods and suburbs conveniently. The iconic ‘L’ train system, operated by the Chicago Transit Authority (CTA), serves as the backbone of the city’s public transit, connecting downtown with various corners of the metropolis. Commuters can easily navigate the city using color-coded train lines, which provide quick and affordable transportation. Apart from the train system, an extensive bus network covers nearly all city areas, providing flexible options. The Metra rail system provides reliable service for those commuting from the suburbs, connecting downtown Chicago with the surrounding areas.
12. There are plenty of parks and beautiful viewpoints
With stunning parks and captivating viewpoints, the Windy City provides residents and visitors a picturesque escape from urban bustle. The city is renowned for its expansive lakefront, boasting a series of interconnected parks along Lake Michigan. Millennium Park’s iconic Cloud Gate sculpture, known as “The Bean,” and Grant Park’s serene Buckingham Fountain offer endless opportunities. The Lincoln Park and Garfield Park Conservatories display breathtaking botanicals, while the Chicago Riverwalk offers a scenic pathway with gardens. With its abundance of green spaces, iconic landmarks, and breathtaking viewpoints, Chicago has a lot to offer.
Now before you go running for the hills, let me just preface that I too was VERY skeptical of this color at first. I mean, the name itself sure isn’t doing the color any favors…Burnt…Orange? Sounds downright repulsive.
BUT with that being said, I challenge you to set aside your judgement for just a moment and allow me to make a case for this under-appreciated color. Sure, in fairness, perhaps burnt orange will never be “the new black” but it’s certainly worthy of some serious attention.
See? Not bad, huh? It gives off a 60’s Mod-vibe without feeling too dated or retro. Plus, when it’s in flowy lightweight fabric form it looks ultra-elegant and contemporary. Even when incorporated as a statement color into decor, it offers a healthy dose of character and an inviting sense of warmth.
Are you convinced? What are your thoughts on the color?
Image 1 via Nanushka // 2 via JCrew // 3 via Dust Jacket Attic // 4 via The D Pages // 5 via Blueberry Modern // 6 via Nordic Design
Yesterday we talked fall fashion. Today we have a moody fall mood board for your. While we may have a few more weeks to enjoy our typical Bay Area Indian Summer, we’re ready to stash the rosé for another day and uncork deep moody merlots. We’re also ready to say goodbye to bright summer colors and surround ourselves in dark classic colorways. And what’s more classic than black and white? From interior design to photgraphy, fashion or plating food, we will always die over this dynamic duo!
Some may think of black & white as a restricting palette with which to work, but as you can see above, the possibilities are in fact endless – the inspiration limitless. Black and white combinations are confident and dramatic, elegant and restrained all rolled into one. This pairing will never do you wrong!
Looking to add this bold and classic combo to your life? We’re loving these pieces! SHOP HERE
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image 1 via // 2 via FIGTNY // 3 via // 4 via // 5 via // 6 via // 7 via // 8 via // 9 via
Editor’s note: This is a recurring post, regularly updated with new information.
American Express, Capital One, Chase and Citi are four of the major players in the travel credit card space. As such, these issuers offer their own travel portals, where users can earn and redeem their points and miles for flights, hotels, car rentals and more.
These issuers also incentivize their cardholders to use the bank’s own portal, done by offering bonus points on bookings.
For instance, with the Capital One Venture X Rewards Credit Card, you’ll earn 10 miles per dollar on hotel and car rentals and 5 miles per dollar on flights — but only when booked through the Capital One Travel portal. Purchases made outside the portal earn 2 miles per dollar.
Likewise, with the Chase Sapphire Preferred Card, you’ll earn 5 points per dollar on all travel booked through the Ultimate Rewards portal. Otherwise, you earn 2 points per dollar on those travel purchases.
Given the lucrative earning potential that booking through these portals presents, it begs the question: Is it worth your time to use them rather than booking directly?
In this guide, we put these four travel portals to the test when booking flights. We compared price, ease of use, redemption value and other metrics.
Methodology
For this analysis, we limited our research to flights and didn’t include hotels, rental cars or other travel. That’s because we generally recommend that you avoid booking hotels through a third party since you likely won’t receive elite-status benefits (if you have any) or earn elite-qualifying stay credits.
If you’re not concerned with earning hotel elite status or are booking an independent hotel, then booking your stay through a travel portal could be advantageous for you.
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It’s also worth noting that you can get elite-like perks at hotels, even without elite status, by booking with these programs: Amex’s Fine Hotels + Resorts, Amex’s The Hotel Collection, Capital One’s Premier Collection, Chase’s Luxury Hotel & Resort Collection, Citi’s Hotel Collection and Citi’s Luxury Hotel Collection.
With flights, you may be able to “double-dip” your earnings: You can usually earn bonus points on bookings through your card issuer’s portal and earn airline and elite-qualifying miles just as you would by booking directly through the airline. That said, here are the features we examined in each portal:
Results: Do you get comprehensive results when searching through the portal?
Price: How do the prices compare to booking directly with an airline versus through a portal?
Ease of use: Is navigating the portal easy for a user? What unique features or benefits do users get from using this portal?
Redemption value: Is it worth redeeming your points and miles for travel through a portal?
With these four factors in mind, here’s how the individual issuers’ travel portals stack up.
American Express Travel portal
Any American Express card that earns Membership Rewards points grants access to the Amex Travel portal. Depending on your specific card, you may earn bonus points for booking through the portal.
The Platinum Card® from American Express, for instance, earns 5 points per dollar on flights booked directly with airlines or through Amex Travel (on up to $500,000 of these purchases annually, then 1 point per dollar) and 5 points per dollar on prepaid hotel bookings made through Amex Travel. The American Express® Gold Card, meanwhile, earns 3 points per dollar on flights booked directly with airlines or through Amex Travel.
You can search for flights, hotels, flight and hotel packages, rental cars and cruises on the Amex portal.
Related: Everything you need to know about Amex Travel
Capital One travel portal
The Capital One travel portal offers a fresh interface powered by the travel tech app Hopper and is accessible with most credit cards earning Capital One miles or cash back.
Bonus earnings are available, depending on which card you have. Using the Capital One Venture X Rewards Credit Card to book flights in the portal provides 5 miles per dollar; flights booked elsewhere earn 2 miles per dollar.
Currently, you can only book flights, hotels and rental cars through the portal. The portal also houses the Premier Collection for luxury hotels. However, this is only accessible if you have the Venture X or its counterpart, the Capital One Venture X Business card.
The information for the Venture X Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: How to use the Capital One travel portal — now with more cards and new rewards
Chase Ultimate Rewards travel portal
Chase’s Ultimate Rewards travel portal was powered by Expedia for many years, but the issuer migrated to cxLoyalty in 2021.
You can access the portal with your Ultimate Rewards-earning credit card, including popular options like the Chase Sapphire Reserve, the Chase Sapphire Preferred or the Chase Freedom Unlimited. Cardholders can book flights, hotels, cars, activities and cruises on the Chase travel portal.
Related: Why are some flights more expensive through the Chase travel portal?
Citi travel portal
The overhauled Citi travel portal launched in March 2023 after months of delays. It’s powered by Rocket Travel by Agoda, part of the Booking.com family.
You can access the portal with any credit card earning ThankYou points, and several cards earn bonus points on bookings in the portal. Unfortunately, flights aren’t included in these bonus offerings.
With Citi’s new portal, you can book flights, hotels, rental cars and attractions of numerous types. The portal also offers two hotel programs: Hotel Collection and Luxury Collection.
Related: Ultimate guide to the Citi travel portal
Booking flights
I looked at a variety of round-trip routes with the same dates (roughly six months from now) and gathered the following prices:
Itinerary
Booked directly
Amex Travel
Capital One Travel
Chase travel
Citi Travel
New York (JFK) to Los Angeles (LAX) in economy with Delta Air Lines.
$533.
$541.
$540.
$523.
$540.
Tampa (TPA) to Bozeman (BZN) in economy with American Airlines.
$786.
$786.
$786.
$786.
$786.
Baltimore (BWI) to Las Vegas (LAS) in economy with Delta Air Lines.
$720.
$720.
$720.
$720.
$720.
Miami (MIA) to Boston (BOS) in economy with JetBlue.
$418.
$418.
$338.
$418.
$412.
Chicago (ORD) to Milan (MXP) in economy with United Airlines.
$902.
$902.
$902.
$772.
$732.
Nashville (BNA) to Bogotá, Colombia (BOG) in economy with American Airlines.
$535.
$535.
$535.
$535.
$415.
Toronto (YYZ) to Seoul (ICN) in economy with Air Canada.
$1,079.
$1,952.
$1,880.
$ 2,581.
$1,952.
New York (JFK) to Los Angeles (LAX) in Delta One.
$2,798.
$2,600.
$2,798.
$2,798.
Not available.
Newark (EWR) to London (LHR) in business with British Airways.
$3,272.
$3,272.
$3,300.
$3,300.
$3,300.
San Francisco (SFO) to Singapore (SIN) in business with Singapore Airlines.
$8,351.
$7,285.
$8,521.
$9,386.
$8,521.
Price
All of the travel portals generally fared well when it came to searching economy flights versus booking directly. However, there were a few major caveats worth noting.
Southwest Airlines is not bookable on any of the portals, and tickets for low-cost airlines like Spirit Airlines and Frontier are typically more expensive on the Chase and Capital One travel portals than booking directly. Amex Travel didn’t display any Spirit Airways or Frontier Airlines flights.
When it came to international flights, all of the bank portals struggled at times to match prices or give comparable results versus booking directly. For a deeper dive on some of these routes and flight prices, we did a broader comparison across 20 flights in this guide.
As a general word of advice, domestic flights should yield the same results and price, but it gets tricky when searching for international fares. Your best bet would be to compare the prices and only use a portal when the prices are identical.
Ease of use
The Amex portal is my favorite for a comprehensible search experience, fast load times for results and the simplicity of parsing through the various options.
On the other hand, the Capital One portal offers one of the most visually appealing interfaces, with color-coded dates to indicate the lowest prices in a calendar view — plus price drop protection. However, the Capital One portal did not provide as many options as its competitors on some searches. It also yielded higher prices for international routes, but I’m hopeful that the issuer will continue to make improvements in the future.
Based on millions of data points from Hopper, Capital One is supposed to let you know if this is the best time to book via its price watch prediction feature.
To standardize the offerings across various airlines, Capital One also provides detailed insights into what flyers can expect from their chosen fare class. With the rise of “basic economy” fares, it’s not always clear what amenities are included in your ticket and what you’ll have to pay for as extras.
Capital One does an excellent job of explaining in-depth features such as seat pitch, aircraft type, and food and beverage options on board.
Speaking of basic economy, it’s worth noting Amex Travel rarely (if ever) displays these fares. If you’re looking for basic economy, you should use another portal.
Citi’s new portal does a good job of offering a broad range of results in economy and offering upgrades on the payment page. And being able to book flights plus other travel elements in one transaction is great. However, searching directly for business-class fares is tricky on this portal.
Finally, the Chase portal has seen vast improvements since fully migrating toward its cxLoyalty interface. Previously, when Chase was powered by Expedia, users complained about slow load times and much higher prices than those offered directly by the airlines. Some of those issues seem to have been resolved.
While the Ultimate Rewards portal could use some work in cleaning up the interface, the overall user experience is much better than before. That said, it’s also the portal with the highest frequency of price divergence from booking directly — sometimes higher and sometimes lower.
Redemption value
This is not a criterion we used for evaluating these bank travel portals for this particular article. The value of your points or miles can depend on which particular rewards card you carry. Still, it is worth remembering if you intend to use your credit card’s travel portal to earn or redeem points and miles.
Your credit card points or miles are typically worth 1 cent each for flights in your respective travel portal. That’s the case with Amex cards that earn Membership Rewards points and Capital One credit cards. Even with the Capital One’s premium card (the Venture X), your points are only worth 1 cent each when redeemed for travel through the Capital One portal. The same applies to credit cards earning Citi ThankYou points.
On the other hand, Chase’s credit cardholders are incentivized to use the Ultimate Rewards portal via a higher redemption value. With the Chase Sapphire Reserve, your points are worth 1.5 cents each toward travel bookings, while the Chase Sapphire Preferred and Ink Business Preferred Credit Card fetch 1.25 cents per point in value.
While not as consistent of a program, American Express offers “Insider Fares,” allowing cardholders to redeem their points for a better value than 1 cent apiece on select domestic and international itineraries. However, these can be quite specific.
Select Amex business credit cardholders can also leverage the Pay with Points benefit to get a 25% to 50% points rebate when booking select airfare through Amex Travel — yet another incentive to book through the portal.
Due to all these card-specific circumstances, we didn’t make redemption values a main criterion for judging these portals for booking flights. Rather, we focused on each portal’s user interface and the availability of competitive fares — as those two factors will probably be the determinants as to whether travelers end up using them.
Related: Why I love the Amex Business Platinum’s Pay With Points perk
Bottom line
Credit card issuers have improved their travel portals over the years, but they’re still far from perfect. While there isn’t a clear winner for the best travel portal, each has unique features and incentives for its cardholders.
If you decide to book a flight through your issuer’s travel portal, be sure to compare that price against booking directly with the airline to get the best deal possible. And don’t forget that you may want to book directly anyway to avoid any headaches down the road. If you need to change or cancel your airfare, booking with a third party can complicate matters when plans change.
Inside: This guide provides tips on frugal home must haves, so you can save money and live responsibly, while also enjoying a healthy environment and good health.
Are you looking for ways to save money and still have a clean and organized home?
If so, you are in the right place. In this blog post, I am going to share with you frugal home must haves that will help you save money.
But before we get started, let me ask you a question:
Do you ever feel like your home is a never-ending cycle of cleaning and organizing? That you use products that are for one use only and know there are better products out there.
If so, you are not alone. Most people feel this way at some point in their lives.
The good news is that there are ways to save money and start to incorporate bits and pieces of a frugal lifestyle into your life.
So, without further ado, here are 19 frugal home must-haves to help you save money:
What is frugality?
Frugality is the practice of being very intentional with your spending, prioritizing the things that matter the most to you, and cutting back on spending in other areas.
It doesn’t necessarily mean sacrificing your favorite brand of cereal, living without napkins, or giving up on adventurous vacations. Instead, frugality is about making smart money choices and learning to live below your means.
It is not the same as being cheap, which involves saving money at the expense of others.
Rather, being frugal means being economical with your money, making it stretch further so you can do more with less.
Frugal living is a journey, not a destination, and it starts with creating a budget that you can live with and looking for ways to save money.
What are the most frugal must-haves for a home?
The most important frugal must haves for you are those that save you money and time.
As such, what you value the most will differ from me. However, there are some basic underlying frugal items that every house needs. So, we will cover those bloew.
More importantly, more individuals are looking to become frugal green to save the environment as well as money.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
best frugal home must-haves for saving money
Home is where the heart is, and we want our homes to be clean, organized, and comfortable without spending a fortune.
However, sometimes it can be tough to keep up with everything – especially on a budget.
Here are 19 frugal home must-haves that will help you save money and make your life easier!
1. Microfiber Cloths
Microfiber cloths are a frugal home must-have for saving money. Yep, I drive my mother-in-law crazy because I do not use paper towels.
They are cost-effective as compared to disposable cleaning supplies and can be used for various cleaning tasks around the house. They are more effective than cotton cloths as they rarely leave smears and dry as they wipe.
Plus, microfiber cloths can be color-coded for different cleaning tasks. To ensure their effectiveness and longevity, microfiber cloths should be washed separately from other laundry and should not be washed with fabric softeners or bleach.
2. Drying Rack
Owning a drying rack can be a smart investment for those looking to save money and energy in the long run. There are many types of drying racks available, from outdoor rotary clotheslines to indoor airers.
Personally, we use our drying rack ALL.THE.TIME!
Plus, using a drying rack is an eco-friendly alternative to using a dryer, which can reduce your carbon footprint and help you live a more sustainable lifestyle.
This is the drying rack we personally own and love.
3. Instant Pot or Crock Pot
Move over crockpot, the Instant Pot is the hottest trend to stay! I’ll admit I was hesitant about owning an instant pot, but have decided it was well worth the investment for our frugal home.
An instant pot is a frugal must-have for any home looking to save money while still enjoying delicious meals. It is perfect for busy people who want to come home to a warm meal without the hassle of cooking.
Instant pots are not just about cooking one meal; they are perfect for batch-cooking frugal meals. This allows you to cook multiple meals in one go, freezing the extra for another day.
You can also use cheaper cuts of meat and tenderize them in the instant pot. Some examples of meals that can be made in a crock pot include soups, stews, chilis, and even whole chicken for homemade stock.
An instant pot is an efficient and cost-effective way to enjoy home-cooked meals without breaking the bank.
Here is the instant pot / air fryer combe we personally own.
4. Reusable Grocery Bags
Many states, including ours, now charge 10 cents per bag when checking out at any store!
By bringing your own bags, you can avoid the extra fees charged for plastic bags at many stores.
Additionally, reusable bags are sturdier and can hold more items, reducing the need for multiple bags.
Switching to reusable bags also helps reduce plastic waste, which is harmful to the environment. So, invest in some reusable bags and make a positive impact on your wallet and the planet.
5. Beeswax Wraps
Beeswax wraps are a fantastic frugal and eco-friendly alternative to plastic wraps.
Made from organic cotton and covered in beeswax, they are versatile and come in various sizes. They can replace both cling film and foil, lasting for a long time as long as they are not washed in hot water or put in the microwave.
These wraps can save money in the long run as they are reusable and can be used for a variety of purposes, from wrapping bread to covering bowls.
To care for them, wash them in cool soapy water and avoid hot water or the microwave. With beeswax wraps, you can be frugal and eco-friendly at the same time!
6. Charging Stations To Reduce Energy
Standby losses refer to the energy consumed by electronic devices even when they are turned off but still plugged in. For instance, a TV on standby mode, a phone charger left plugged in, or a coffee maker are all examples of appliances that contribute to standby losses.
These losses can significantly impact your energy bill and add up over time.
However, there are practical ways to reduce standby losses and save money.
Use an energy-efficient power strip to plug in multiple devices and switch them off in one go.
Invest in a “smart” power strip that automatically turns off devices when they are not in use.
By taking these steps, you can reduce standby losses and save money on your energy bills.
7. Glass Jars
Glass jars are incredibly versatile and can be used for storing everything.
Using glass jars is also cost-effective since they can be reused over and over again.
With their airtight seals, they are perfect for storing food items, and their clear glass makes it easy to see what’s inside. They are also great for organizing small items like pens, hair bands, and cut flowers.
Overall, using glass jars is an easy way to save money while keeping your home clean and organized.
8. Hot Tea Maker Electric Glass Kettle
This is the updated version of the traditional teapot due to its durability, versatility, and cost-effectiveness.
It can be used to make a large amount of tea at once, making it perfect for entertaining guests or for daily use.
Additionally, it is a one-time investment that can last for years, which saves money in the long run.
Also, by using loose tea leaves instead of tea bags, you can also save money and reduce waste.
9. Coffee Pot
If you’re a coffee lover, you know how quickly buying coffee on a daily basis can add up and become a significant expense.
However, there is a simple solution to this problem – investing in a coffee pot you love.
By brewing your coffee at home, you can save several dollars each week, which can add up to a considerable amount over time.
Moreover, if you’re someone who enjoys lattes, there are coffee pots available that can make lattes at home. This means that you don’t have to spend a fortune on lattes from coffee shops or cafes.
With a good coffee maker, you can enjoy the great taste of coffee at home while saving money.
If you invest in a single-use coffee maker, then make sure you are using reusable K-cups.
10. Laundry Bags
Seriously, this was the greatest idea I found out from a baseball mom. Never worry about mixing up clothes between family members again!
By using laundry bags, you prevent clothes from getting lost or mixed up in the wash, and can also help prolong the life of delicate fabrics.
To care for your laundry bags, simply toss them in the washing machine with your laundry and air dry.
11. Baking Soda
Baking soda is a frugal home must-have that can be used for cleaning and organizing your home in many ways.
It is a multipurpose cleaner and deodorizer that can be used to clean surfaces, carpets, laundry, even fruits and vegetables.
By mixing baking soda with water, you can create a paste that can be used to clean almost everything. It can also be used to deodorize your refrigerator, carpets, and shoes. Additionally, you can sprinkle baking soda on your mattress and vacuum it up to remove odors.
Overall, baking soda is a versatile and inexpensive household item that can help you keep your home clean and fresh.
12. Vinegar
Vinegar is an incredibly versatile and cost-effective must-have for any frugal home. It can be used for cleaning and organizing in a variety of ways.
Vinegar is effective in removing stains, cleaning surfaces, and freshening up the home. It is also safe to use around children and pets, making it a great alternative to harsh chemical cleaners.
For cleaning surfaces, vinegar can be mixed with water and used to clean windows, mirrors, and countertops. It can also be used to remove stains from carpets and clothing. In addition, vinegar can be used to freshen up the home by adding a few drops to a diffuser or spraying it in the air.
To incorporate vinegar into daily cleaning routines, it can be added to a spray bottle with water and used to clean surfaces as needed. It can also be used as a natural fabric softener in the laundry by adding a cup to the rinse cycle.
When using vinegar, it should not be used on certain surfaces such as marble or granite as it can cause damage.
13. Reusable Water Bottles
Using reusable water bottles is an important step towards a more frugal and eco-friendly lifestyle.
It can save money by eliminating the need to buy single-use plastic water bottles, and it also helps reduce waste and pollution.
When choosing a reusable water bottle, look for one with a filter to ensure fresh water anytime, anywhere.
Opt for bottles made from durable and non-toxic materials such as stainless steel or glass.
Keeping a reusable water bottle also promotes healthy hydration habits.
14. A Large Freezer
A large freezer in your home is a frugal must-have for many reasons.
Not only does it provide money-saving opportunities by allowing you to stockpile food on a budget and freeze extra portions from batch cooking, but it also helps you take advantage of great deals you find at the store.
With a well-stocked freezer, you can shop your stock first and freeze nearly everything you buy for later use.
Additionally, having a large freezer can help you save on your electricity bill by allowing you to fill it up to two-thirds capacity, which makes it more efficient.
Also, you may want to purchase this freezer lock to make sure it stays closed.
15. Reusable Food Storage Containers
Using reusable food storage containers like BPA-free plastic or glass containers is an effective way to reduce waste and promote eco-friendly living.
BPA-free plastic containers are ideal for those who have limited space for storage and prefer lightweight and durable containers. They are freezer, microwave, and steamer safe, making them perfect for storing and reheating various types of food.
On the other hand, glass containers are an excellent alternative to plastic containers. They are incredibly environmentally friendly and can be reused over and over again, making them an indispensable tool in your quest for simple and frugal home living.
Since they are also reusable, saving you money in the long run. You only need a few of them for your daily use.
16. Reusable Food Bags
Reusable food bags are a great way to reduce your carbon footprint and be more eco-friendly in your daily life. These bags are made from BPA-free materials and are designed to be used over and over again, making them a great alternative to single-use plastic bags.
Here are the benefits of reusable food bags:
Versatile and can be used for a variety of purposes as they are freezer, microwave, and steamer safe, making them perfect for storing, heating, and cooking food.
Perfect for packing lunches and snacks, as they are lightweight and easy to carry.
Durable and long-lasting.
Ability to use them again and again, reducing the amount of waste that you produce.
Unlike plastic bags, which can easily tear or break, these bags are made from sturdy materials that can withstand daily use.
While the initial cost of these bags may be higher than that of plastic bags, they will pay for themselves over time as you won’t have to keep buying new bags. Plus, they are often sold in sets, so you can get multiple bags for a lower price.
17. Basic Toolkit for DIY Projects
A basic toolkit can be a valuable asset for homeowners as it can come in handy for simple home repairs and save money on professional services.
With the right tools and some DIY know-how, you can tackle many basic home repairs and maintenance tasks yourself, without having to hire a professional.
DIY tutorials are available online, and many of them are free. You can also attend community classes or evening courses at local colleges to learn DIY skills.
Also, you can look at sharing tools with neighbors or friends can help you save money and build a sense of community.
18. Storage Organization
Oh my goodness, there is no way I could manage without serious storage organization for our small house.
Thankfully, there are plenty of storage organization options to make sure you use optimal space in every single corner of your house.
Here are some of my favorite storage organization tricks:
19. Rotary Clothes Line
Owning a rotary clothesline is a must-have for frugal homeowners.
Not only is it a one-time cost that lasts for years, but it also helps save money on electricity bills as line drying reduces creases and eliminates the need for a dryer.
Additionally, a rotary clothesline takes up less space than a bulky dryer or indoor drying rack.
By using a rotary clothesline, you can enjoy the benefits of fresh, sun-dried laundry while saving money and space. It’s a win-win situation for both your wallet and your home.
20. Essential Oils
Essential oils can be used in a variety of ways, including for homemade beauty and cleaning products. For example, adding 15 drops of peppermint essential oil to a cup of baking soda can create a refreshing and invigorating scrub.
Essential oils can also be added to homemade shampoo and body wash recipes to provide a pleasant scent and potential therapeutic benefits. Some popular essential oils for these purposes include rosemary, lavender, and peppermint.
In addition to beauty and cleaning products, essential oils can also be used for aromatherapy purposes. Simply adding a few drops of essential oil to a diffuser or inhaling the scent directly can provide benefits such as stress relief and relaxation.
It’s important to note that essential oils should always be used with caution and according to their recommended guidelines, as they can be potent and may cause adverse reactions if not used correctly.
21. Rain Collector
Using a rain collector to water your vegetable garden is a great way to be eco-friendly and frugal at the same time.
This method can help you save money on your water bill and reduce your carbon footprint.
Rain collectors can be purchased for as little as $50 and provide a regular supply of free water throughout the year.
To use a rain collector for your vegetable garden, set it up in a location that is convenient for you to access and close to your garden. When it rains, the water will collect in the butt and be ready for use when you need it. You can use a watering can or attach a hose to the butt for easy watering.
Rainwater is especially good for watering vegetables because it is free of chemicals and additives that may be present in tap water.
22. Countertop Composter
A countertop composter is a great addition to a frugal home. It is a small, portable compost bin that can be kept on your kitchen counter, making it easy to compost food scraps and other organic waste.
By composting your food scraps, you can reduce the amount of waste that goes into landfills, which is not only good for the environment but also saves you money on garbage bags and waste disposal fees.
Countertop composters are available in various sizes and styles, so you can choose one that fits your needs and budget.
Some countertop composters are made of stainless steel or ceramic and have a sleek, modern look that blends in with your kitchen decor.
Others are made of plastic and have a more utilitarian design.
In addition to reducing waste and saving money, composting also produces nutrient-rich soil that can be used to fertilize your garden or houseplants. This can save you money on buying fertilizers and improve the health and productivity of your plants.
23. Knife Set
Having a good knife set is essential in a frugal home because it saves money in the long run. Yes, I have proof of this as I replace my 15-year-old knife under warranty.
Investing in an affordable yet durable set can be achieved by choosing stainless steel or high-carbon steel, which are both rust-resistant and long-lasting.
When choosing a set, consider the number of pieces you need and the type of knives required for your cooking needs.
To make your tools last longer, hand wash and dry them immediately after use, avoid using abrasive cleaners, and store them in a knife block or a drawer with dividers to prevent damage.
But, to be honest, these are the knife set I own and I put them in the dishwasher all the time.
24. Streaming Stick
If you haven’t upgraded to a smart TV yet, I understand you are frugal. Then, you need to invest in a streaming stick.
This simple device can help you lower your costs spent on cable while still streaming your favorite shows on Paramount, Hulu or YouTube.
Nowadays, you can expect to spend less than $50.
25. Soda Maker
This may seem like a splurge, but we, frugal people need a way to treat ourselves.
Having your own soda maker can be a great way to save money in the long run. While it may seem like an expensive investment at first, the cost of making your own soda (or seltzer) at home is significantly lower than constantly purchasing soda (or seltzer) from the store.
In fact, making soda at home can cost as little as 25 cents per liter, compared to the average cost of $1.50 per liter for store-bought soda.
Another cost-saving benefit of having your own soda maker is that you can control the ingredients. You can choose to make your soda with natural sweeteners like honey or stevia, rather than high fructose corn syrup, which is commonly found in store-bought soda. This not only saves you money in the long run, but it can also be a healthier option.
What are some good tips for living frugally?
Living frugally can be a great way to save money and achieve financial goals.
Here are some practical tips for living frugally that you can implement in your daily life:
Meal planning and home cooking can save money on food expenses. Brown bagging or oven lunch boxing your lunch is also a great way to save money. Learn how to be frugal with food.
Wash your laundry in cold water and use natural homemade cleaners to save on household expenses.
Create a budget that you can live with and look for areas where you can cut back on expenses. Pack your own lunch and cut back on entertainment costs.
Travel frugally by traveling during the off-season and cutting down on eating out. Opt for a place with a kitchen so you can make some of your own meals and purchase discounted airline tickets or fares.
Have fun for free by doing activities such as going to the park, having a picnic, or having a bonfire. There are so many things to do with no money.
Try out a few frugal living tips at a time to find out which works best for you and don’t forget to access free courses and worksheets to help with your frugal living journey.
Remember, frugal living doesn’t have to be a sacrifice and can actually help you fully enjoy what you care about in life.
Start taking small steps towards a more frugal lifestyle and see how it can positively impact your finances.
FAQ
There are many frugal home hacks that can help you save money and keep your home clean and organized.
Some practical and actionable tips include meal planning, home cooking, brown bagging your lunch, washing your laundry in cold water, and using natural homemade cleaners.
Before calling a handyman, consult YouTube to learn how to fix a leaky faucet or remodel your bathroom.
Examining your monthly bills for ways to save on electricity, water, cable, and even your cell phone can also help you save money.
By implementing these frugal hacks, you can make every penny and dollar count and stretch your budget further.
I always tell people to shop their own house first. Just because you don’t know where something is doesn’t mean you should go out and buy a new item.
Look around and see how you can reuse items.
Before heading out to the grocery store, look at your own pantry and freezer to see what you can use first.
Give these tips a try and see how much you can save!
Essential appliances and gadgets for a frugal, clean, and organized home include:
Which Frugal Home Ideas Will You Implement?
With a little bit of planning and effort, you can live frugally and still have a beautiful home.
One of the key points of frugality is buying quality items less often.
Too many times, people associate being frugal with cheap.
Being frugal means you are intentional with your spending on household items and prioritizing the things that matter most.
Plus, using frugal methods can be better for the environment and your health.
So what are you waiting for? Go out and buy some of these must-haves today!
Know someone else that needs this, too? Then, please share!!
Seemingly overnight, the internet is awash with news regarding a “new,” unfair tax on mortgage borrowers with higher credit scores. Some have gone so far as to suggest that someone could intentionally lower their credit score in order to get a better deal.
Before you stop paying your bills in the hope of cashing in, let’s separate fact from fiction. First and most importantly, you will absolutely NOT get a better deal on a mortgage rate if your credit score is lower, even if your nephew just texted you a screenshot of a news headline saying “620 FICO SCORE GETS A 1.75% FEE DISCOUNT” and “740 FICO SCORE PAYS 1% FEE.”
So why would your nephew make such a claim?
This all has to do with changes to Loan Level Price Adjustments (LLPAs) imposed by Fannie Mae and Freddie Mac (the “agencies”), the two entities that guaranty a vast majority of new mortgages. LLPAs are based on loan features such as your credit score and the loan-to-value ratio among other things. They’ve been changed several times over the years and a fairly substantial change was announced in January of this year.
Wait… This news is from JANUARY?! Why are people talking about it now?
Yes, in fact, we already told you about it. People are confused because they don’t understand how “delivery dates” work when it comes to Fannie and Freddie. Changes that impact fees and guidelines are almost always implemented based on the date the loan in question is “delivered” to Fannie/Freddie. “Delivery,” in this context, typically occurs a matter of weeks AFTER the loan is closed, although it can be more than a month.
Now consider that a closed loan has often been quoted and locked for more than 3 weeks–call it a month to be safe. Since these changes go into effect on loans delivered on or after May 1st, 2023, lenders began to implement them weeks ago. Many lenders implemented them months ago–especially for loans that are locked for longer periods of time.
So low credit borrowers are already getting a discount while high credit borrowers pay more?
Not exactly, and this is where the confusion comes in. Also, from here on out, please note that there is no opinion offered here as to whether this is good/bad/etc. The only goal is to clear up confusion and offer facts.
The fact of matter is that LLPAs are indeed changing in a way that improves costs for those with lower credit scores and increases costs for those with higher credit scores (in many cases, anyway). But people are confusing the CHANGE for the ACTUAL cost.
So a low credit borrower isn’t paying less than a high credit borrower? The gap between what they pay is just smaller than it was?
YES! Again, all value judgements and political commentary aside, the change amounts to a tweak of an existing fee structure in favor of those with lower credit scores and at the expense of those with higher credit scores, but there’s no scenario where someone with lower credit will have a lower fee. In other words, don’t go skipping those credit card payments in the hopes of getting a lower rate.
How about some color-coded charts/tables?
I thought you’d never ask. Let’s start with the changes that have everyone so upset. The following tables shows the DIFFERENCES in LLPAs before and after the change. RED = rising costs. GREEN = falling costs.++
If you only saw this chart, you could be forgiven for thinking someone with a 640 credit score was paying less than someone with a 740, but again, these are just the changes.
Now let’s look at a table with OUTRIGHT LLPAs for the same matrix of credit scores and loan-to-value ratios. This is the NEW structure, after the implementation of the change.
As you can now plainly see, if you have a score of 640, you’ll be paying significantly more than if you had a 740. Using an 80% loan-to-value ratio as an example, your LLPA at 640 is 2.25% versus 0.875% for a 740 score. That’s a difference of 1.375%, or just over $4000 on a $300k mortgage. This is almost HALF the previous difference, and that’s certainly a big change.
Yes, it’s a big change, so why is the government doing this to people with higher credit?!
Fannie and Freddie technically have a “mission” to promote affordable home ownership. Here is the statement on the topic by their regulator, the FHFA: FHFA Announces Updates to the Enterprises’ Single-Family Pricing Framework.
Note in the first two tables that there is more of an improvement for the lower FICO rows on PURCHASES (i.e. home ownership vs refis).
Any other misconstrued news I need to know about?
Yes, actually. While not as viral as the LLPA stuff, there has been a fair amount of press on a new 40yr FHA mortgage. THERE IS NO NEW 40yr FHA LOAN! Lenders who collect payments on FHA loans have a new option to offer loan modifications with terms of 40 years to borrowers who are unable to pay their existing FHA loans.
Don’t you usually talk about financial markets in these newsletters?
Indeed! But since we’ve taken a fair amount of space on more interesting stuff above, we can keep the market recap fairly short. Rates moved higher to start the week as economic data was strong on Monday morning. There were several other examples of reactions to economic data at home and abroad as the week continued, but all of them played out in a sideways range that continues to wait on the first two weeks of May for the most relevant input.
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Apartment hunting can be a real hassle. Newspaper listings don’t give you enough information, apartment guide magazines are almost always out of date, and driving around town looking for “For Rent” signs wastes time and gas.
Apartment search engines aim to make finding a new apartment easier by showing listings from multiple sites in a single, easy-to-read format. Some sites hit the mark, while others miss it by miles.
As a renter, here’s how I rank apartment rental sites from best to worst:
PadMapper
PadMapper is the one site I’ve had the most success with because you can customize your search results in nearly every way imaginable. The basic search goes by price, number of bedrooms, and type. The expanded search lets you enter in your own keyword or look for pet-friendly spots. But the best feature of PadMapper is the super-secret setting (seriously), which is a blue bar called “Show Super-Secret Advanced Features.” With this setting, you get a crime map, walk score, neighborhood layout, and mass transit map for each listing.
MyApartmentMap
If you’re looking for a specific type of rental, MyApartmentMap is the site to search. It sorts results by pets allowed, military housing, college apartments, or affordable housing. You can also refine your search within each option, such as, choosing cats, small dogs, or large dogs under the “pets allowed” subsection. The listings themselves are the easiest to browse of all the sites. Each listing has a photo and the rent price clearly marked.
HotPads
If you’re an organizational nut like me, you’ll love the interactive map on HotPads. Each apartment listing appears on the map as a color-coded “hotspot.” Clicking a hotspot pulls up the listing, and from there you can hide the apartment or add it to your favorites. Hiding a listing removes the hotspot, while adding to your favorites puts a star on the map. After sorting all the listings, you’re left with one easy map showing you which apartments you want to look at.
RentLinx
RentLinx does have some cool search features. You can look for income-based, Section 8-approved, handicapped-accessible, and smoke-free rentals. The site was harder to navigate than the others, and even after sorting by most recent listing, all of the ads I saw were a year or two old.
MyNewPlace
MyNewPlace is pretty bare-bones. The site does have some advanced search features that will let you sort by rent price or show you pet-friendly apartments, but the available listings are sparse. My ZIP code only showed 27 listings, whereas PadMapper, MyApartmentMap, and HotPads showed hundreds. After searching, the site required I give my email before I could view any of the listings. The signup sheet had a disclaimer that basically promises to spam my email with advertisements from the site. It adds, “Generally, you may not opt-out of these communications.”
Rentals.com
In my area, Rentals.com mainly listed sponsored ads from corporate apartment complexes with a few private rentals mixed in. While the site listed tons of complexes, the listings themselves weren’t all that comprehensive. None of the ads had floor plans, the photos included were mostly of the complex, and the pricing usually said “Varies.”
RentCompare
RentCompare was a navigational nightmare. The site’s two search options, sort by ZIP code or sort by city name, both came back with errors no matter how many different combinations I tried. When I finally got a search to work, the site required me to sign up before I could see the listings. Sign-up took four separate tries with four separate errors. In the end, I was able to see a few listings with some decent information, but the site wasn’t worth the hassle.
While I tried to cover most of the popular sites, there’s no shortage of others out there. Do you have a favorite site I didn’t mention, or one to avoid?
“The Best and Worst Apartment Rental Sites” was provided by MoneyTalksNews.
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I’m kicking off my first gift guide of the season with the design lover in mind. Self-serving perhaps? I call it strategic. I’m feeling a fresh, refined color palette for the holidays. Instead of decking your halls with the standard red and green, what if you tried a mix of white, gold and touches of warm gray instead?
The look is sophisticated, luxurious and refined. Using lots of white helps spaces feel open and airy – rather than overstuffed and cluttered. Touches of gold feel celebratory and festive. And warm gray tones add a bit of gravitas without being harsh.
I recently scoured Horchow and discovered a treasure trove of goodies at crazy good deals. The site features home decor, tableware, even gifts from some of my favorite lines, like Aerin, Palacek and of course Neiman Marcus (they’re part of the Neiman Marcus family of brands.) Starting tomorrow, you can save up to 40% off during their Finders Savers event.
I’d be thrilled if Santa put any of these pieces in his cart for me!
This post is in collaboration with Horchow. All thoughts and opinions are 100% my own. thanks for supporting partnerships I’m excited about and that have kept our doors open.