A federal appeals court ruled in favor of the Consumer Financial Protection Bureau that brought an enforcement action against a Chicago mortgage lender, Townstone Financial, after its president made disparaging remarks about Blacks and Hispanics in a radio infomercial.
Ting Shen/Bloomberg
A federal appeals court ruled that the Consumer Financial Protection Bureau has broad authority to discourage discrimination to combat redlining, delivering a major victory to the bureau in a contentious case, CFPB v. Townstone Financial, against a Chicago mortgage lender.
A three-judge panel of the U.S. Court of Appeals for the 7th Circuit ruled that the Equal Credit Opportunity Act applies not just to credit applicants but also to prospective applicants.
The CFPB filed a redlining lawsuit against Townstone Financial in 2020 alleging that the company’s CEO Barry Sturner made disparaging remarks about Blacks on a talk-radio infomercial that discouraged minorities from applying for home loans. At issue in the case was whether Sturner had discouraged Black prospective applicants from applying for mortgage loans with Townstone, in violation of ECOA and Regulation B — which prohibits creditors from discriminating on the basis of sex, race, color, religion, national origin, age or marital status.
Congress had indicated that the law must be construed broadly to serve the purpose of ending discrimination in credit applications, the judges said.
“An analysis of the text of the ECOA as a whole makes clear that the text prohibits not only outright discrimination against applicants for credit, but also the discouragement of prospective applicants for credit,” the judges wrote in a 15-page opinion. “When the text of the ECOA is read as a whole, it is clear that Congress authorized the imposition of liability for the discouragement of prospective applicants. Regulation B’s prohibition on discouraging prospective applicants is therefore consistent with the ECOA’s text and purpose.”
The CFPB had cited as evidence of discrimination comments that Sturner made on the radio commercial in which he described a Jewel-Osco grocery store as “Jungle Jewel,” and claimed the South Side of Chicago between Friday and Monday was “hoodlum weekend.”
The CFPB had identified five instances in which Sturner and other hosts made statements that would discourage Black prospective applicants from applying for mortgage loans. In addition, the bureau alleged that from 2014 to 2017, Townstone received fewer mortgage applications from Black applicants, fewer mortgage applications for properties in neighborhoods with a high-Black population and fewer mortgage applications for properties in neighborhoods with a majority of Black residents.
Last year, the United States District Court for the Northern District of Illinois dismissed the case in the favor of Townstone by focusing on ECOA’s definition of a credit applicant. The lower court also rejected the CFPB’s argument that its enforcement and rulemaking authority allowed it to prohibit discouragement of prospective applicants. The CFPB appealed.
“The district court held that the ECOA does not authorize the imposition of liability for the discouragement of prospective applicants. We take a different view,” the judges wrote.
“The term “applicant” cannot be read in a crabbed fashion that frustrates the obvious statutorily articulated purpose of the statute,” the judges wrote. “Indeed, the ECOA’s scope of prohibition prohibits discrimination ‘with respect to any aspect of a credit transaction.’ ”
The case was reversed and remanded back to the district court.
“Discouraging applicants is the first tool in the book of redlining. A discriminatory lender may feel like using a ‘Whites Only’ sign is the best way to accomplish their goal,” said Adam Rust, director of financial services at the Consumer Federation of America. “I think it was common sense to read the law and come to this conclusion.”
The CFPB did not immediately respond to a request for comment.
The Pacific Legal Foundation, which represented Townstone, had argued that Sturner was protected under the First Amendment.
“We’re disappointed in the decision, which offered only a cursory analysis of the relevant statutes and ignored completely Townstone’s First Amendment arguments,” the public interest law firm said in a statement. “We are considering our options for further review.”
Townstone may appeal the case to the full 7th Circuit or to the Supreme Court, experts said.
New York City, often referred to as “The City That Never Sleeps,” is a place of endless possibilities. With its towering skyscrapers, vibrant neighborhoods, and a cultural scene that rivals any other city in the world, it’s no wonder that millions of people dream of calling NYC their home. However, life in this iconic metropolis comes with its own set of challenges. So whether you’re searching for a trendy loft in Brooklyn or a cozy apartment in Manhattan, you’ve come to the right place.
In this ApartmentGuide article, we’ll explore the various pros and cons of living in New York City, helping you decide if the Big Apple is the right place for you.
Fast facts about living in NYC
Population: Over 8.3 million residents
Average rent: $5,098 per month for a one-bedroom apartment
Median home sale price: $815,000
Subway stations: 472, providing extensive public transit options
Public parks: More than 1,700 green spaces for recreation and relaxation
Languages spoken: Over 800, reflecting the city’s rich cultural diversity
Annual tourists: Approximately 65 million visitors each year
Restaurants: Over 27,000, offering a wide variety of cuisines from around the world
1. Pro: NYC is a cultural and entertainment hub
New York City is a cultural mecca, offering unparalleled access to world-class theaters, museums, and music venues. Broadway shows, the Metropolitan Museum of Art, and the New York Philharmonic are just a few examples of the endless entertainment options. The city also hosts numerous cultural festivals and street fairs, celebrating everything from film and literature to food and dance. Additionally, iconic landmarks like Times Square, Central Park, and the Statue of Liberty add to the rich tapestry of experiences available.
2. Con: The housing in NYC is extremely expensive
The real estate market in NYC is notoriously expensive, with housing costs being 408% more expensive than the national average. The average rent for a one-bedroom apartment in New York, NY is $5,098 per month. The median sale price for a home in NYC is around $815k, reflecting the high cost of ownership. While outer boroughs like Brooklyn and Queens can offer slightly more affordable options, the prices are still high compared to the national average. Renters may need to consider shared living arrangements or smaller apartments to manage costs.
3. Pro: There are lots of job opportunities
New York City is an economic powerhouse with opportunities in a wide range of industries, including finance, technology, media, and fashion. Major companies such as Goldman Sachs, Google, and NBCUniversal have a significant presence here. The diverse job market means there’s potential for career growth in nearly any field.
5 of NYC’s top employers
JPMorgan Chase & Co.
Verizon Communications Inc.
Citigroup Inc.
Pfizer Inc.
Mount Sinai Health System
4. Con: High cost of living
The cost of living in New York City is 128% higher than the national average, making it one of the most expensive cities in the United States. This encompasses various daily expenses beyond housing. Transportation costs are substantial, with monthly subway passes priced at around $132, and the occasional need for taxis or rideshares adding to the expense. Groceries and dining out are also more costly compared to other parts of the country, with basic items and meals often carrying a premium price tag.
Additionally, utility bills are 5% more expensive, groceries are 15% more expensive, and healthcare is 25% more expensive than the national average. While higher salaries in New York City can help offset these expenses, many residents still find it challenging to manage their finances, save money, or afford discretionary spending.
5. Pro: Public transportation
With a transit score of 89, one of the benefits of living in NYC is its extensive public transportation system. The subway and bus networks make it possible to get around without a car, which can save money on vehicle expenses. The MTA (Metropolitan Transportation Authority) operates 24/7, covering all five boroughs, with 472 subway stations and over 300 bus routes. Monthly unlimited MetroCards provide cost-effective travel options for residents.
Additionally, the city’s walkability and availability of bike-sharing programs like Citi Bike, which offers thousands of bikes across hundreds of stations, make commuting convenient for renters who might not own a vehicle.
6. Con: Crowded and noisy
New York City is known for its hustle and bustle. The constant activity can be intense, with crowded streets, busy public transportation, and noise that rarely stops. Finding peace and quiet can be challenging, especially in lively neighborhoods. The high population density means personal space can be limited, and the sounds of construction and traffic are common. For those who prefer a quieter environment, adjusting to the city’s vibrant energy might take some time.
7. Pro: Diverse neighborhoods
NYC is a melting pot of cultures, with each NYC neighborhood offering unique character and charm. From the historic streets of Harlem to the trendy vibes of Williamsburg, there’s a place for everyone. Explore the vibrant art scene in Chelsea, enjoy the bustling markets in Chinatown, or relax in the quaint cafes of the West Village. This diversity also means a variety of cuisines, festivals, and cultural experiences are available year-round, ensuring there’s always something new to discover.
8. Con: Weather extremes
New York experiences all four seasons, which means hot, humid summers and cold, snowy winters. While some enjoy the variety, others may find the weather extremes challenging to handle. Snowstorms can disrupt daily life, affecting transportation and causing school and work closures. Summer heat waves can be uncomfortable, leading to increased energy costs for cooling. The transition seasons, spring and fall, can also be unpredictable, with sudden changes in temperature and weather conditions.
9. Pro: Access to education and healthcare
The city boasts some of the best educational institutions in the world, including Columbia University and NYU. Additionally, New York has top-notch healthcare facilities, such as NewYork-Presbyterian and Mount Sinai. This access to quality education and healthcare is a significant advantage for residents. The abundance of specialized programs and advanced research centers attracts students and professionals from all over the globe.
10. Con: High taxes
New York State has some of the highest taxes in the country, including income, property, and sales taxes. The combined state and city income tax can reach up to 12.7% for high earners, and the property taxes can also be quite burdensome. Additionally, the cost of living in New York City is significantly higher than the national average, which can exacerbate the financial strain caused by these high taxes. Residents often find themselves paying more for everyday expenses, such as groceries, utilities, and transportation. For businesses, the high corporate taxes and regulatory costs can be challenging, impacting overall profitability and growth.
11. Pro: Green spaces
Despite its urban nature, NYC offers numerous green spaces where residents can escape the concrete jungle. Central Park, Prospect Park, and the High Line are popular spots for relaxation and recreation. These parks provide a much-needed respite from the city’s fast pace.
Popular NYC parks:
Bryant Park
Washington Square Park
Riverside Park
Brooklyn Bridge Park
Flushing Meadows-Corona Park
12. Con: Competitive lifestyle
The competitive nature of NYC can be a double-edged sword. While it drives innovation and excellence, it can also lead to high-stress levels. The fast-paced lifestyle and constant pressure to succeed can be exhausting for some individuals. This environment often demands long working hours and a relentless pursuit of career advancement. Balancing work and personal life can be challenging, and the high cost of living adds to the pressure to excel.
13. Pro: Iconic landmarks
Living in New York City means having iconic landmarks like the Statue of Liberty, Times Square, and the Empire State Building at your doorstep. These sites are not only great for sightseeing but also contribute to the city’s unique character and charm.
Iconic landmarks in New York City:
Brooklyn Bridge
One World Trade Center
Rockefeller Center
Central Park
The Metropolitan Museum of Art
14. Pro: Rich cultural diversity
Known for its cultural mosaic of vibrant diversity, New York City is home to people from around the world, speaking hundreds of different languages. In neighborhoods like Little Italy, Chinatown, and Harlem, residents can experience a wide array of cuisines and traditions from different cultures. This blend of backgrounds creates a unique environment where diverse perspectives and traditions thrive. Cultural institutions, festivals, and parades throughout the city highlight this diversity, from the Lunar New Year celebrations in Chinatown to the Puerto Rican Day Parade and the annual Feast of San Gennaro in Little Italy.
One of the most influential names in real estate is once again showing us how it’s done.
Influencer, motivational speaker, bestselling author, and prominent real estate investor Grant Cardone is selling his beachfront mansion in Florida for $42 million.
But throwing cash at the seasoned investor won’t do the trick.
He wants 646 Bitcoin for his one-of-a-kind house in Golden Beach, Florida — which was formerly home to fashion designer Tommy Hilfiger, who sold it to the billionaire businessman back in 2021 for $24 million.
Cardone, who founded Cardone Capital, a real estate investment firm that manages a portfolio of billions in assets, listed his Florida residence on PropyKeys, a leading blockchain-based platform for real estate transactions.
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The offering: what 646 Bitcoin will buy you in Florida
Photo credit: Elad Elkoubi / Swift Pics Photography
The Golden Beach residence sits on a 0.63-acre oceanfront lot, with its own private beachfront access and 100 feet of pristine shoreline.
Built in 2007, it features over 13,000 square feet of luxury interior space, with 7 bedrooms and 8 baths. Also on the grounds of the property, there is a heated saltwater pool and a private beach cabana.
The house has sophisticated interiors by Martyn Lawrence Bullard
Photo credit: Elad Elkoubi / Swift Pics Photography
Celebrity interior designer Martyn Lawrence Bullard — who was also one of the leading stars of Bravo’s short-lived Million Dollar Decorators — designed the interiors of the $42 million abode.
Bullard, who also decked out the homes of other celebs like Eva Mendes, Ellen Pompeo Kylie Jenner, Khloe and Kourtney Kardashian, Cher, Sharon and Ozzy Osbourne, to name just a few, is known for his broad-ranging, sophisticated yet eclectic style.
The interiors were designed to accommodate an extensive art collection
Photo credit: Elad Elkoubi / Swift Pics Photography
Bullard is the one who fitted the now-famous residence with vibrant spaces filled with patterned ceilings, walls and floors, interesting sculptures, and bright carpeting — meant to highlight the previous owners’ extensive pop art collection.
Previously home to fashion mogul Tommy Hilfiger
Photo credit: Elad Elkoubi / Swift Pics Photography
Cardone bought the house from fashion designer Tommy Hilfiger and his wife, Dee Ocleppo, who had been trying for years to land a buyer for their Golden Beach house. They had listed it for as much as $27.5 million, before the 10x Rule author took it off their hands in 2021 for $24 million.
Bold interiors, artsy decor & sophisticated touches hint at its famous past owner
Photo credit: Elad Elkoubi / Swift Pics Photography
While under Hilfiger’s ownership, the Florida mansion graced the cover of many interior design magazines, and was heavily featured in the media — Architectural Digest included.
And it’s easy to see why. Even after the Cardones toned down the interiors slightly with modern upgrades, the house still features dramatic interior touches that include a black marble staircase, chevron-patterned marble floors in the dining room, and reflective ceilings, to name just a few.
It underwent extensive renovations in the past three years
Photo credit: Elad Elkoubi / Swift Pics Photography
Grant and Elena Cardone invested heavily in updating the 2007-built mansion.
Since they purchased it back in 2021, the couple has meticulously renovated the property, replacing some of the finishes (like the patterned walls and floors) designer Martyn Lawrence Bullard added for the Hilfigers, and replacing them with designer choices that can appeal to a wider demographic of potential buyers.
The outdoor areas have been spruced up the most
Most recently, in 2023, the two have been hard at work updating the property’s outdoor areas, including renovating the pool deck and bar/grill area and upgrading the landscaping. They’ve also added new ocean-side windows and doors.
Photo credit: Elad Elkoubi / Swift Pics PhotographyPhoto credit: Elad Elkoubi / Swift Pics PhotographyPhoto credit: Elad Elkoubi / Swift Pics Photography
There’s also a charming beach cabana
Impressive as the main house might be, it’s not the only structure on the property. There’s also a charming beach cabana that neighbors the heated saltwater pool.
See also: Larry Ellison’s house, the $173M Gemini Mansion in Florida
Photo credit: Elad Elkoubi / Swift Pics Photography
Cardone is embracing blockchain technology
“We are all in on blockchain revolutionizing real estate! We are leveraging top-tier technology to make transactions seamless and unstoppable,” Cardone said in a statement, providing insight into his decision to list the property via blockchain, as opposed to more traditional platforms.
“This is the future of real estate, and we’re leading the charge,” the Sell or Be Sold author stated.
Photo credit: Elad Elkoubi / Swift Pics Photography
The platform he chose to list his property
As one of the most prominent figures in real estate, Cardone could have partnered with practically any platform. But he went with Propy, a Silicon Valley-based proptech company that’s happy to partner with the seasoned investor:
“It is a privilege to us to be the platform of choice for high-end property sales that we offer to our community of HNWI investors and crypto buyers,” said Natalia Karayaneva, CEO of Propy. “The inclusion of Cardone’s listing in BTC and USD on Propy, minted with our latest privacy deed feature, highlights our leadership in the intersection of real estate and crypto.”
Photo credit: Elad Elkoubi / Swift Pics Photography
Also publicly listed with his wife as the listing agent
The Golden Beach house is also up on the MLS, with Zillow and other property websites showing the billionaire’s wife as the agent attached to the listing.
Photo credit: Elad Elkoubi / Swift Pics Photography
An eXp Realty agent, Elena Cardone got her real estate license just a few years ago, per her LinkedIn profile, but has already been making a splash on the Miami real estate scene. An older LinkedIn post shows that Elena and her team had over $840 million in sales volume in 2022 alone.
Rumor has it he’s also selling his Malibu Beach abode
Photo credit: Elad Elkoubi / Swift Pics Photography
Over on the other Coast, Cardone owns a $40 million “Castle on the Sand” in Malibu, California a 6-bedroom, 10-bathroom beachfront residence that might have a similar fate to his Florida abode.
The Undercover Billionaire star paid a whopping $40 million for the house back in 2022, which sits in the pricey Carbon Beach area of Malibu, also known as Billionaire’s Beach.
He reportedly wants $65M for that one — preferably in Bitcoin
Photo credit: Elad Elkoubi / Swift Pics Photography
Several news outlets, including the New York Post, have reported that Cardone has been quietly looking to offload his Carbon Beach house for an even more ambitious asking: $65 million, also accepting payments in Bitcoin.
That mansion isn’t being floated on the open market though, and is likely being offered as a pocket listing that only vetted buyers can access.
Who is Grant Cardone?
Photo credit: Elad Elkoubi / Swift Pics Photography
One of the biggest influencers, authors, and speakers in the real estate space, Grant Cardone has made a name for himself as a serial entrepreneur and financial guru. He’s the founder of Cardone Enterprises, Cardone Capital, Cardone Training Technologies, The 10X Movement, and The 10X Growth Conference — one of the world’s largest business & entrepreneur conferences.
He also famously authored several best-selling books, including The 10X Rule, Be Obsessed Or Be Average, Sell Or Be Sold, and Millionaire Booklet, as well as several bestselling business programs.
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IMARC Group has recently released a new research study titled “In Vitro Diagnostics Market: Global Industry Trends, Share, Size, Growth, Opportunity and Forecast 2024-2032”, offers a detailed analysis of the market drivers, segmentation, growth opportunities, trends, and competitive landscape to understand the current and future market scenarios.
The global home decor market size reached US$ 749.0 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 1,087.5 Billion by 2032, exhibiting a growth rate (CAGR) of 4.1% during 2024-2032. The market is experiencing stable growth driven by the increasing focus on health and wellness, rising preferences for personalized and aesthetically pleasing interior designs, and integration of smart technology in decor products to provide enhanced experiences to individuals.
Global Home Decor Market Trends:
The rising influence of current fashion and design trends in home decor is positively impacting the market growth. Along with this, the burgeoning integration of augmented reality (AR) and virtual reality (VR) in the shopping process to enhance the shopping experience by allowing consumers to visualize products in their own spaces before purchase is acting as a growth-inducing factor. Apart from this, the increasing awareness of wellness, boosting the use of biophilic design principles that integrate natural elements into indoor spaces to enhance mental and emotional well-being, is creating a positive outlook for the market growth.
Request to Get the Sample Report: https://www.imarcgroup.com/home-decorative-materials-market/requestsample
Factors Affecting the Growth of the Home Decor Industry:
Changing Consumer Lifestyle and Preferences:
The changing consumer lifestyle as societal norms, economic conditions, and cultural shifts evolve, is one of the major factors boosting the market growth. Moreover, the rising adoption of remote work and flexible schedules, leading to increased demand for home office setups and ergonomic furniture is acting as a growth-inducing factor. Additionally, the growing preference for functional and aesthetically pleasing decor solutions that complement the home workspaces is fueling the market growth. Furthermore, the rising urbanization and compact living spaces, boosting the demand for multifunctional and space-saving furniture and decor, is contributing to the market growth.
Rapid Technological Advancements:
The rapid technological advancements and innovation that drive continuous evolution, thereby influencing product design, manufacturing processes, distribution channels, and consumer experiences, is enhancing the market growth. in line with this, the burgeoning integration of the Internet of Things (IoT) devices and smart home systems that revolutionize the way consumers interact with their living spaces, is propelling the market growth. Smart lighting systems, automated window treatments, and voice-controlled assistants enhance convenience and functionality while contributing to energy efficiency and environmental sustainability. Furthermore, the rising advancements in manufacturing technologies such as three-dimensional (3D) printing and automated production processes that enable greater design flexibility and customization in home decor products, is catalyzing the market growth.
Growing Focus on Environmental Sustainability and Ethical Consumerism:
The increasing awareness of environmental issues, coupled with a growing preference for ethically sourced and sustainable products, is positively impacting the market growth. in line with this, the heightened mindfulness among consumers of the environmental impact of their purchases, prompting them to seek home decor products made from renewable resources, recycled materials, and non-toxic substances, is acting as a growth-inducing factor. Moreover, the rising adoption of ethical sourcing and fair-trade practices as these have become important considerations for consumers when choosing home decor items, is promoting the market growth. Furthermore, the rising preference among consumers who are looking for home decor items that are durable, repairable, and recyclable at the end of their use, is providing a thrust to the market growth.
Key Companies:
Ashley Furniture Industries Inc. Duresta Upholstery Ltd. Forbo Holding AG Hanssem Co. Ltd. Herman Miller Inc. Inter IKEA Systems B.V. Kimball International Inc. (HNI Corporation) Koninklijke Philips N.V. Mannington Mills Inc. Mohawk Industries Inc. Samson Holding Ltd. Shaw Industries Group Inc. (Berkshire Hathaway Inc.) Sophia Home Springs Window Fashions Suofeiya Home Collection Co. Ltd.
Home Decor Market Report Segmentation:
By Product Type:
Home Furniture Home Textiles Flooring Wall Decor Lighting Others
Home furniture represents the largest segment by product type due to the increasing demand for functional and stylish furniture pieces that cater to diverse consumer preferences and lifestyles.
By Distribution Channel:
Home Decor Stores Supermarkets and Hypermarkets Online Store Gift Shops Others
Home decor stores account for the majority of the market share because they offer a wide range of curated decor items, personalized shopping experiences, and expert advice.
Regional Insights:
North America Europe Asia Pacific Middle East and Africa Latin America
North America leads the market owing to factors such as high disposable income levels, a strong housing market, and a culture that values interior design and home improvement.
Speak to An Analyst: https://www.imarcgroup.com/request?type=report&id=1122&flag=C
Key Highlights of the Report:
Market Performance (2018-2023) Market Outlook (2024-2032) Market Trends Market Drivers and Success Factors Impact of COVID-19 Value Chain Analysis Comprehensive mapping of the competitive landscape
If you need specific information that is not currently within the scope of the report, we will provide it to you as a part of the customization.
IMARC Group is a leading market research company that offers management strategy and market research worldwide. We partner with clients in all sectors and regions to identify their highest-value opportunities, address their most critical challenges, and transform their businesses.
IMARC’s information products include major market, scientific, economic and technological developments for business leaders in pharmaceutical, industrial, and high technology organizations. Market forecasts and industry analysis for biotechnology, advanced materials, pharmaceuticals, food and beverage, travel and tourism, nanotechnology and novel processing methods are at the top of the company’s expertise.
Looking for a low-stress job that pays well? This list has you covered. These 10 jobs offer good pay without the stress of a typical 9-5. Perfect for those seeking flexible hours or needing low-stress work for health reasons. Find a job that fits your lifestyle and start enjoying a better work-life balance.
Massage Therapist
Image Credit: Pixelshot.
A massage therapist helps people relax by working on their soft tissues and joints. They need to know anatomy and medical procedures and often work in calm places like spas or clinics. This job is low-stress and pays well and is easy to get training..
Electrician
Image Credit: Kadmy from Getty Images Pro.
An electrician is a skilled worker who only needs a few years of training. After an apprenticeship, they can work with electrical tools and circuits. This job pays well and doesn’t require many qualifications.
Librarian
Image Credit: Adamkaz from Getty Images Signature.
Librarians help people find information and manage collections. They work in a calm environment and often have time to read. This job is low-stress and pays well, making it a great choice for those who love books.
To learn more: 50+ Best Low Stress Jobs After Retirement
Dental Hygienist
Image Credit: Piksel from Getty Images.
A dental hygienist cleans teeth and teaches patients about oral hygiene. With a two-year degree and state licensure, this low-stress job offers a good work-life balance and pays well.
Virtual Assistant
Image Credit: Chee Gin Tan from Getty Images Signature.
A virtual assistant provides remote administrative, creative, or technical help. Working from home, they avoid office politics and can enjoy a flexible schedule. Very popular for stay-at-home moms.
To learn more: 14 Best Virtual Assistant Jobs with No Experience Required
Makeup Artist
Image Credit: Drazen Lovric from Getty Images Signature.
A makeup artist enhances clients’ appearances with cosmetics. They work in salons or as freelancers in the beauty, fashion, and entertainment industries. Basic communication skills are needed, but no formal education is required. Just style!
To learn more: Best Online and Side Hustles for College Students: Ideas for Fast Money
Plumber
Image Credit: Pixelshot.
A plumber installs and repairs pipes and fixtures, ensuring water flows where needed. With apprenticeship training, plumbers can enjoy a well-paying job without a degree.
Photographer
Image Credit: Alliance Images.
A photographer captures moments and memories. Good skills in composition, lighting, and timing are essential. Training in art and design helps, but a degree is not needed. This job has good demand and many niches to seek.
To learn more: 25 Best Jobs for Moms With No Degree: Balancing Family and Career
Solar Photovoltaic Installer
Image Credit: Zstockphotos.
Solar photovoltaic installers set up solar panels on buildings. They need to understand electrical wiring and troubleshooting. Due to a labor shortage, this job pays well and is low-stress if you like climbing on roofs.
To learn more: 43 Best Side Hustles for Men to Make Money
Radiologic Technologist
Image Credit: SimpleFoto.
Radiologic technologists use imaging techniques like X-rays and MRIs to help diagnose and treat diseases. They work closely with doctors and need good communication skills. An associate’s degree is required.
Find More Low Stress Jobs that Pay Well
Image Credit: Drazen Zigic from Getty Images.
Discover more low-stress jobs that pay well without needing a degree. These jobs offer minimal stress and plenty of growth opportunities, making them great choices for a new career.
To learn more: Best 30 Low-Stress Jobs That Pay Well Without a Degree
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Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
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5
A Chrome Coffee Maker
Alessi 9090 Espresso Maker
Bring a bit of design history to your morning routine with this deluxe coffee pot, which was featured in the MOMA upon its creation in 1978.
6
A Charming Vessel
Creative Co-Op Terracotta Urn
Now 24% Off
For a rustic touch, skip bright florals in favor of some pampas grass and dried eucalyptus. This whitewashed pot is wide enough to hold a large arrangement.
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7
A Gilded Accent
Kate and Laurel Arendahl Arch Mirror
Now 35% Off
Enhance your entryway—or at the very least, your outfit selfies—with an ornate mirror that looks like an antique treasure.
8
A Sink Set
Aesop Resurrection Aromatique Duo
When it comes to little luxuries, upgrading your hand wash is one of the easiest ways to make the everyday feel special. We love this nourishing, citrusy duo from Aesop, which comes with both hand soap and hand balm.
9
A Soft Throw Blanket
State Cashmere Reversible Blanket
No matter which way you use it, this reversible cashmere throw is oh-so chic and soft.
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10
A Multifunctional Stool
LETESA Velvet Ottoman
Available in 16 colors and shapes, this soft ottoman is the ultimate versatile find. Not only is it a striking piece of decor, but it also doubles as extra seating when needed.
11
Striped Serving Board
Bloomingville Marble Board
Take your charcuterie spread to the next level with this striped marble board. Even when empty, it’ll look great atop your kitchen counter or coffee table.
12
Earthy Linens
Eight Owls Linen Napkins
Forego the tablecloth at your next soiree: Olive-colored linen napkins offer a pared-back alternative with a Mediterranean-inspired edge.
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13
Modular Seating
Jennifer Taylor Home Marcel Bubble Arm Chair
Now 26% Off
No space for a sprawling sectional? Make do with a set of oversized arm chairs that are just as plush.
14
A Sculptural Side Table
Christopher Knight Home Jerod Accent Table
A geometric statement piece with a twist, this end table has a wood-painted finish but is actually made of concrete for extra durability.
15
A Brassy Centerpiece
Creative Co-Op Metal Candelabra
Whether used as the focal point of a lush tablescape or to add height to a mantel vignette, you can’t go wrong with an antique brass candelabra.
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16
Detailed Barware
NOVICA Hand-Blown Water Glasses
You’ve stocked your bar cart with high-end mezcal and endless bottles of Ghia; now, make sure your glassware is up to par with a set of hand-blown tumblers.
Elly Leavitt is a fashion and luxury commerce editor at Hearst covering fashion, design, and more across multiple brands. You can probably find her in line at Trader Joe’s. You will never find her at SoulCycle.
We may earn revenue from the products available on this page and participate in affiliate programs. Learn More ›
Home design trends in any year contradict themselves. For 2023, designers said it was the year of organic materials and muted greens, while other designers were painting walls black for dark academia bedrooms—complete with crows. Trends come and go, but we can use them to inspire ourselves and create our idea of a happy place. No matter how different we all may be, there’s a design trend for each of us—even if it includes crows.
When home decorating, the goal is to find colors and elements that you like and that support the look you want to achieve, and then give them a try. The trick comes in finding a way to try 2024 trends without making major changes that you’re not ready to live with for the long haul. From the many, many trend lists we’ve looked at this year, we’ve chosen styles and elements that run the gamut from bold to understated, and modern to traditional. Whether you’re a moody crow lover or a modern farmhouse diehard, you’ll find something in this year’s trends to up-level your look.
1. Quiet Luxury
Designer: ANA Interiors. Photographer: Ana Cummings
If you’ve scrolled your feeds looking for home design ideas recently, you’ve seen #quietluxury trending. This understated approach to posh emphasizes quality and craftsmanship over flash and bling. Paring down decor, keeping clutter at a minimum, confining colors to muted neutrals, and adding quiet luxury ingredients are meant to inspire calm. The centerpiece of a quiet luxury living space is the cloud couch, a white sofa with a puffy seat and back pillows stuffed with goose down.
“Quiet luxury is here to stay,” says Morgan Olsen, Thumbtack’s home and design expert. “Homeowners are done with loud luxury trendy pieces and are being very intentional with their spending. 2024 will be about craftsmanship over big brands and labels, as homeowners look for reclaimed materials and quality furniture.”
That means buying pieces that last decades rather than the 3 or 4 years of mass-produced furniture. “But who said you have to get the cloud couch?” asks Olsen. Instead, find secondhand furniture by quality makers and reupholster it. Or pare down your wall art and knickknacks, then add goose-down throw pillows and a luxurious throw like this State Cashmere Striped Throw Blanket to your existing neutral sofa.
2. Healthy Habits
Designer: Kelley Design Group.
Builder: CKN Capital Group.
Photographer: Cate Black Photography
Bringing wellness closer to home is no longer a luxury but an essential for many people, especially for exercise and spa experiences. “Homeowners will continue to turn their homes into wellness retreats, prioritizing features that have health benefits,” says Olsen.
According to the 2024 Houzz U.S. Emerging Summer Trends Report, with cold plunge pool, indoor sauna, and backyard sauna all rising in search frequency in the first quarter of the year, compared with Q1 2023. At-home exercise has evolved from a stationary bicycle, with searches for bocce court, bowling alley, and game room all higher than last year. Mentions of pickleball courts on Zillow are up 64 percent over last year. People are looking for homes with private courts and nearby public courts. Pickleball in the driveway, anyone?
In addition to saunas, Amanda Pendleton, Zillow home trends expert, lists spa bathrooms and red-light therapy rooms among the features home buyers are using to complement wellness routines. While replacing a bathtub with a walk-in spa shower is a trend for remodeling projects, you can spend far less and create a spa bath at home with simple switches. Create a relaxing atmosphere by focusing on all five senses. Replace the counter clutter with a flower arrangement or basket of fluffy towels. Choose soft textures in muted colors and a comfy bath pillow, like this Luxurious Cork Bath Pillow by LIVTUUshop at Etsy. Add the soothing scent of essential oils and a source of meditative sound. Don’t forget a glass of cucumber water.
3. Hidden Spaces
Courtesy of Ruhl | Jahnes Architects.
Photographer: Nat Rea
Nothing beats a cozy reading nook, according to the 2024 Houzz U.S. Emerging Summer Trends Report. Searches for library walls, reading corners, and book nooks have all gone up this year. Secret spaces have long been a favorite for people who enjoy a bit of whimsy at home, along with out-of-sight storage. The Houzz Emerging Winter Trends Report, released at the end of 2023, shows that cloaked additions are gaining popularity. Searches for trapdoors are up by 350 percent, and searches for kitchens with hidden pantries rose by 250 percent. Say goodbye to the wet bar in the living room and hello to a secret speakeasy bar and lounge, or a wine bar and cellar under the stairs, both searched more often in 2023.
If you’re not ready to tear down any walls or excavate the closet under the stairs, create nooks and hidden spaces with a few easy changes. Give more privacy to a window seat by hanging curtains outside the front of the seat rather than against the window. Hide the entrance to a closet with this Door Mural of Antique Bookshelves by Recallart at Etsy. In the kitchen, create a secret pantry by adding vertical wood panels on and around the pantry door. For renters, this Abyssaly Wood Slat Peel-and-Stick Wallpaper at Amazon is removable; homeowners who want a more permanent solution without the hassle of cutting wood can try the Set of 4 PVC Wall Paneling pieces at Wayfair that mount with adhesive.
4. Blues and Greens
Courtesy of Brittany Lyons Interiors.
Photographer: Mike Healey Photography
Green is the most popular color this year for home design. No, wait, it’s blue. Blue is the most popular color this year for interiors. Designers differ on this one, but most agree that shades of blue and green are taking center stage in the home. Mitchell Parker, senior editor at Houzz, says blue provides a calming influence.
Sage and gray-green also are on the rise, according to the Houzz winter report. A barely-there sage functions as a neutral on kitchen cabinets, and a darker gray-green provides contrast to warm neutrals. In true blue fashion, however, several paint companies have chosen a shade of blue as their 2024 color of the year.
Add contrast to neutral furniture and flooring with blue or green items you already own, gathering throw pillows and blankets, table runners, vases, decorative containers, and framed prints from other rooms. Add a blue or green ribbon trim to curtains or the base of a fabric sofa without a sewing machine by using HeatnBond Hem Iron-On Adhesive at Amazon; seal the trim with a flat iron (used for hair styling) in places you can’t fit onto an ironing board. For a classic look, we like this M&J Trimming Greek Key Fabric Ribbon in denim blue and sage options.
5. The Return of Creams
Courtesy of kate roos design.
Photography: Andrea Rugg Photography Andrea Rugg Photography
While many new homes are still coated in gray from floor to ceiling, the trend is moving away from this cool palette and back to warmer colors like cream, tan, and brown. Stark white walls are too harsh for this year’s earthy color schemes. Parker says beiges, creamy off-whites, and rich browns are the focus for a warm, welcoming space.
If you like the look of an all-neutral, off-white room, add textures and patterns, as well as a variety of tones, to create a more layered look, says Parker. The Graham Leather/Suede Lumbar Rectangular Pillow Cover and Insert at Wayfair has a removable cover to swap for a machine-washable option when needed. Swapping accessories has a big impact, especially if you clear the clutter first. We like this Handmade Wood Table Vase, an organic take on the popular ceramic styles, and the Magalia Wood Tray that brings both functionality and latticework texture.
6. Whole Wall Art
Photo: iStock
If you want an abundance of colorful expression in your home design, those cream walls act as a blank canvas perfect for art and pattern. Bold floral wallpaper or a hand-painted mural are both big this year. Zillow’s 2024 home trend report shows that many homeowners are into eclectic, maximalist interiors. Murals in homes for sale are showing up 18 percent more often than last year. The good news is you can learn how to paint a mural even if you’re not an artist, with a bit of painter’s tape and imagination.
Wallpaper also comes in mural patterns, including the peel-and-stick variety beloved by renters and frequent redecorators everywhere. Modern botanicals, landscape vistas, and stripes are trending patterns this year. Guest baths are often the place to start, since the design will make a big impact in a small space without costing a lot of time or money. Murals like this Chinoiserie Watercolor Peacock Wallpaper by FabbWallDecor, can be subtle while bringing interest to a neutral palette. Or make a big impact with this Removable Abstract Wall Art Wallpaper by ONDECORstore, both at Etsy.
7. Handmade Touches
Photo: Zillow
This year, embrace handmade pieces that show the inevitable imperfections of craft. Artisans are impacting today’s trends with handmade tiles, hand-thrown serving dishes, and hand-painted murals. Pendleton points to Murano glass chandeliers as an example of the handmade and bespoke features popping up in today’s homes. The colorful light fixtures are featured 58 percent more often in searches on Zillow, despite the sometimes hefty price tag. If this Ares Murano Glass Chandelier at $1,675 is out of budget, support an Etsy artist with this Handmade Dusty Pink Peony Pendant by FloralsBySERRO.
Handmade items make your home unique and add a personalized touch to any room. The 2023 Houzz U.S. Bathroom Trends report showed that 62 percent of renovating homeowners are choosing a custom or semi-custom vanity. Repurpose a piece of vintage furniture and make your own vanity, or add painted details to an existing model.
8. Brutalism
Photo: Zillow
Even if industrial design isn’t your style, the return of brutalism can be a welcome change in today’s homes. Brutalist design uses materials like raw concrete, brick, steel, and bronze. You’ll see organic shapes with raw edges and unpolished surfaces, as well as a streamlined design for functionality. Pendleton says Zillow has seen a 452 percent increase in the number of homes for sale that mention brutalist design.
“The return of brutalism is the most surprising rising trend of 2024, particularly after the hygge movement where homeowners embraced cozy comfort over hard surfaces,” she says. “The hallmarks of brutalist design—raw, organic, and unfinished materials—are already showing up in furnishings, lighting, and accessories. When juxtaposed with overstuffed sofas, curved armchairs, and plush high-pile rugs, brutalist architectural elements can add visual interest and much-needed contrast to a space,” says Pendleton.
Some trends stick around for years. Most people are hanging onto their outdoor kitchens and fire pits. Others come and go, like inflatable furniture. No one is missing that squeaky stuff. As interior design trends have bent back toward the traditional and eclectic, designers are emphasizing a focus on timeless style that doesn’t look dated from year to year.
Parker says modern homes are showing brick, clay tiles, rustic wood, and other materials that signify a legacy rather than a fad. To get a timeless look that works for your space, create meaning through your belongings. A quality collection of original artwork from your travels will never go out of style, nor will vintage area rugs. Antiques are a good bet too because they add contrast to modern accessories.
White bedding, pleated curtains, and anything with stripes serve as foundational textiles you can build upon as trends change. Truly timeless style is about quality and meaning, so make space in your home for what matters most.
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.
The thrill of Christmas is right around the corner.
This is the year you made a fresh decision to start living by a budget. You have been diligent in tracking your spending and set limits designed to help them save more and spend less.
You are desperate for a debt free Christmas because you can’t afford anything more.
I like to shop for Christmas throughout the year. But, not every year can I find steeply discounted gifts for everyone on my list. That is when I have to get serious and start using my Christmas budget worksheet.
However, a Christmas budget template will keep you on track and enjoying a merry holiday season.
You can get fancy and put your Christmas list in Excel spreadsheet or google sheets. Or you can print off a copy and write the old-fashion way. Completely personal preference and either one will get the job done.
This year, you are more determined than ever to make sure you stick to your Christmas budget and be debt free for the holidays.
And that starts with a Christmas budget template.
Why Use a Christmas Budget Template?
Just like with any advantages of budgeting, you want to make a plan for your money.
Then, you won’t be caught overspending and you can avoid the debt hangover in January.
If you want to keep your money goals, then you need to diligent in each of the holiday buying decisions you make.
Did you know most millionaires use a budget?
Now, you have a choice. Do you want a debt free Christmas by using some simple Christmas budget worksheet?
Before we drive into all of the fun and cute Christmas budget templates, you need to learn the critical areas to avoid and make sure you don’t blow your holiday budget.
Christmas Budget Categories
Christmas is a time of celebration, giving, and joy.
However, there are many expenses that come with the holiday season.
The most obvious expense to think about is probably gifts for friends and family members.
If you’re planning on buying a present for someone who’s hard to buy for, make sure they know what it is before purchasing it!
Another important factor in your Christmas budget plan should be your own personal spending habits – do not put all of your money into one category!
~ HUGE TIP ~ List your Christmas spending priorities, with #1 being the HIGHEST priority probably gifts.
Gifts
Christmas gifts are a lot more expensive this year, so you’ll want to be sure to have an idea of what people may need.
Make a list early on of who you’re buying for and try not to get carried away with the amount of money you spend.
You can also give homemade presents that are cheaper and more meaningful than store-bought ones.
Holiday Fun & Entertainment
Holiday fun and entertainment should be budgeted for.
Christmas plays and concerts, donuts and hot chocolate on Christmas Eve, visiting Santa are all things that can be budgeted to help make the holidays more enjoyable.
These activities tend to make you go over budget at Christmas because it is too hard to say no. So, set aside money for holiday fun and entertainment.
Holiday Food
Some of the budget categories to consider if you’re planning a Christmas dinner include appetizers, holiday food, and dessert.
And don’t forget the #1 priority of the gingerbread house!
Everyone entertains and hosts with their own style. Just make sure to budget for holiday food.
Planning for Holiday Decorations
If you want to get a head start on your holiday decorations, try buying them the week after Christmas. This is the best time to buy because you can find great deals and there are fewer out-of-stock items in stores.
Here are some tips for getting more affordable holiday decorations:
Make your own decorations!
Swap ornaments with friends!
Buy pre-made decorations from Amazon
Shop at thrift shops
Put up three strands of lights instead of one
Look through clearance racks
Ask in Buy Nothing groups
Planning to Send Christmas Cards
The cost of sending Christmas cards is getting more and more expensive. Most families plan to spend over $100 on this alone.
Here are ideas to cut down on the cost:
Take family pictures yourself for no cost
Trim your Christmas card list
Find a cheaper place to have Christmas cards made
Save on prints and stamps if you’re planning to email pictures.
Budgeting for Hosting Christmas Party
Hosting may include drinks, appetizers, main courses, desserts, prizes for games, party favors, and gifts.
Pitching in by bringing a side dish, dessert, or their favorite beverage. All are great ideas to help lower your cost.
Tips on saving when going to a party
While we all love to show off, you can easily find ways to save money.
Pick a dish to share that is budget-friendly and still a hit (beans based dishes and casseroles are cheap to make).
For gifts, look at re-gifting before buying new ones. No one else will know that you never used that gift before.
Budgeting for Holiday Travel
Planning ahead for holiday travel can help you avoid unnecessary costs.
Make sure to set aside enough money for lodging, car rentals, and airfare so that your budget will be on track all season long.
If you cannot afford to travel this year, then don’t stretch yourself.
Other Christmas expenses
Holiday expenses can add up, so it’s important to budget for them. Here are six tips on how to have a more adorable holiday season:
– Field trips: going out in the city with family and friends after dark is one of the most fun parts of Christmas!
– Gift wrapping: this is an investment that will pay off in the long run. It’ll give you time to be creative, and you’ll end up with beautiful gifts at the end of it!
– Photos with Santa: maybe not everyone has a photo session during Christmas, but if someone does need a quick photo op, snapping a picture outside somewhere might be worth it.
– Keep Track of Previous Year’s Expenses: Your family is likely to have holiday expenses that vary. So, write them down to include in next year’s Christmas budget.
How To Not Blow Your Budget This Christmas
Maybe you are weary of actually making a Christmas budget because you have struggled with your budgeting process before. Don’t worry, you are completely normal and will get the hang of how to budget.
More often than not, new budget-conscious families create ambitious financial plans with lofty goals of paying off debt. They split their family income up into budgeting categories and were doing just great. That is until the holiday season came along.
That is when you realized you weren’t as diligent as you thought about setting aside Christmas money into a sinking fund. The agreed-upon gift budget categories from earlier in the years just won’t cut it.
That is where a Christmas budget worksheet becomes so helpful!
You must make decisions about your holiday plans. What did you want more? Expensive Christmas gifts with a ballooned credit card balance or a Christmas you can truly afford?
Now, let’s dive into some simple secrets to keeping a budget during the holidays.
1. Post-Christmas Situation
Before you start spending Christmas money, you need a clear vision of your priorities.
Remind yourself and your entire family about the reasons you had for getting on a budget in the first place. During our journey to becoming debt free, we were completely honest with our kids that we had greater priorities than spending money on the small stuff.
Once the excitement of Christmas passes, do you want to have regrets or a little more money in the bank?
2. Prioritize your Christmas List
Our Christmas budget worksheet will help to make this step much easier.
Start making a complete gift shopping list. Think of everyone on your list. Next, review it and prioritize the list according to your relationship with that person. Just like with personal finances, take care of immediate family first. Then, decide if you have enough in your Christmas budget for extended family, friends, neighbors, and co-workers.
Start at the bottom and eliminate any names that absolutely don’t need to be there. If you want to spend more money, then assign a portion of your budget to each of the remaining names.
It is okay to keep the gift-giving to those you are closest too! Your friends may be relieved they don’t need to reciprocate too!
3. Become Creative with Gift Giving
The first rule of thumb… gifts don’t have to be materialistic items.
You can become creative and don’t need to make 101 DIY Pinterest perfect gifts.
Think outside the box.
Experiences can make some of the best gifts ever! Find gifts that are experiences. Plus you get to spend some quality time together.
4. Stop Trying to Keep up With the Joneses’
The surest path to a blown budget is to start comparing what you’re doing with what someone else is doing. Remember, they’ll likely be crying come January.
You are going after a debt free Christmas.
One of the most slippery slopes when it comes to personal finances is trying to cover up your situation and keep the appearance of a lavish life. This lifestyle creep will destroy your values and the things you care the most about.
Make this Christmas simple and something you can afford and treasure for many years to come!
Related reading: How to Spend ZERO at Christmas in a Materialistic Society
5. Know When to Stop Shopping
If you are a thrifty person, then you probably start shopping for gifts year-round.
Those are great ways to be frugal and find terrific gifts for a fraction of the price.
However, you must be able to stop buying and put blinders on for the cheap things to pick up.
If you have spent your entire holiday budget before Thanksgiving and know you are a smart cookie to get it all out of the way, you must be able to avoid more shopping. Those Christmas sales will be tempting, but don’t get in the trap of thinking I can spend just a little bit more can’t I?
Bonus Rule – No impulse buying
Honestly, impulse buying will ruin your budget throughout the year. Around the holidays, it will become more pronounced because you want to make the season magical.
If someone gives you an unexpected gift, it doesn’t mean you have to run out and buy them something as well. A simple Thank you note will suffice.
One of the best money rules is to wait 24 hours before you buy it. The same applies to Christmas.
Free Christmas Budget Template
Here is your free Christmas Budget template.
It is very easy to use. More importantly, it will help you to make sure everything is accounted for.
Get your PDF copy of the Christmas budget worksheet by subscribing to our email list and gaining access to our FREE printables area.
Christmas budget spreadsheet google sheets
For those who want to save everything electronically, then here you go.
This Christmas budget spreadsheet google sheets can be edited to suit your style. Plus you will be able to take your spending year to year!
In our free printables area, you can download all of our budget spreadsheet version that works for you – Excel, Google Sheets, or Pages.
Time to Make Your Christmas gift template
Throughout this post, we have given you the framework to make sure you have a debt free Christmas. Now, it is time to put everything together.
Download your gift template and Christmas budget from the email form below.
Take time and reflect on what gifts you want to give. More importantly, make sure it is a Christmas that you can afford.
By keeping your goals in mind, you can survive the holidays within your budget (and maybe even under).
Enjoy our Christmas Budget Template!
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
For the past decade or so, it seems gold and brass have been the metals of the moment in the interior design world, closely aligned to the fashion cycle that’s placed them at the forefront. But the tides could be turning. With 2000s fashion having a full-circle moment, so are the cool steely tones of the early aughts and late ‘90s, paving the way for a prominent silver home decor trend.
“Silver and gold like to fight for the spotlight every year, and this year, silver has won,” says Bethany Struble, lead designer at Totum Home. She explains that this recent victory is a direct correlation to runway shows of recent seasons — think the silver brooch trends that dominated the Fall/Winter 2024 runways of Miu Miu, Chanel, and Tory Burch and the silver statement necklaces and earrings seen at Prabal Gurung and Carolina Herrera, respectively — that now has consumers embracing the shimmering silver tones.
Although silver may have once been associated with wealth and status, Struble says, this time around, it feels a bit more casual and approachable compared to gold (especially if you lean toward shiny finishes) and this modern take on the metal has more of a laidback edge to it.
“I think it connotes something futuristic,” says Alex Bass, an interior designer, art curator, and founder of Salon 21, a fine art and interior design studio, drawing comparison to the decor of the Space Race era of 1950s and 1960s, which had a silver-clad, futuristic look.
Embracing this trend is all about incorporating subtle accents that can elevate your space through their shimmering finish. From accent lighting to shelving, here’s how Bass and Struble say to embrace the classic metal.
How To Decorate With Silver Pieces
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Small Touches
When trying new trends, it always helps to start small. Bass says one of the best ways to dip into silver aesthetics is to add small touches here and there, whether it be through barware, picture frames, planters, or even accent lighting. “I love adding a silver table lamp to a space — it creates a visual interest without being too much,” Bass notes.
Add Dimension Through Shelving
“Silver is also reflective, so it’s a fun way to add dimension to a space,” Bass explains. To up the ante on dimension while still keeping things subtle, she recommends adding silver etageres to your space or using similar-looking items like side tables or even serving trays as decor items.
Mirrors
Accent mirrors automatically have a silver touch to them, so they’re an easy way to add this cool metallic tone to your space. Bass says to take this a step further and choose mirrors with silver frames. “Having a silver border makes it more decorative,” she explains, noting that mirrors also help a space appear larger. You can also incorporate more metallic tones in your wall art through framing. (And, if you do go for a silver frame, be sure to include a silver picture light to elevate the finished piece.)
Cabinet Knobs & Drawer Pulls
Your cabinets and dresser drawers are another easy way to lean into a trend. To add more silver tones to your space, Struble recommends swapping out your cabinet knobs and drawer pulls for the cool-toned metallic.
Mixing Metals
Decorating with silver doesn’t mean you need to swap out all of your gold and brass accents. Instead, finding a balance between the various tones can be chic — just like it is with your jewelry.
“Mixing metals is easier than you might think,” says Struble. Since silver has a more neutral tone, it’s easy to pair with most other metal finishes, and you don’t have to think too hard to create a balance — not just in metallics but in your overall decor look. “Silver and gold together open up a lot of opportunity to style with warm and cool tones in the same space,” Struble explains.
When decorating with mixed metals, Bass recommends finding pieces that you love and that fit the same aesthetic to ensure they pair together seamlessly, even if they have different tones. And, if you want to embrace the current style without it feeling too trendy, she says to look for vintage brass and silver pieces at antique malls and thrift stores for a more timeless look that will never go out of style.