Open a BMO Harris Premier™ Account online and get a $500 cash bonus when you have a total of at least $7,500 in qualifying direct deposits within the first 90 days of account opening. Expires 9/15. Conditions Apply.
Decision fatigue is a real thing for folks in the market for a new rewards credit card. If you’re tired of evaluating the ins and outs of credit card rewards programs, there’s no shame in settling for a simple, easy-to-understand alternative.
The SoFi Credit Card is just such an alternative. And it doesn’t require much in the way of settling. It earns a flat 2% cash back on most eligible purchases and 3% back on select travel purchases — plenty generous for a no-annual-fee credit card.
The SoFi Credit Card can’t be everything to everyone, of course. Before you apply, make sure it has all the features and benefits you expect from a rewards credit card.
What Is the SoFi Credit Card?
The SoFi Credit Card is a cash-back credit card with no annual fee. It earns 2% cash back on most eligible purchases and 3% cash back on eligible purchases through SoFi Travel, which uses Expedia’s booking engine.
The SoFi Credit Card is somewhat unusual in that it doesn’t require applicants to have a U.S.-based bank account to qualify. If you’re approved for the card and don’t have a bank account, you can make payments through the SoFi app. You don’t need to use any other SoFi products to qualify for the SoFi Credit Card.
The SoFi Credit Card has some benefits beyond its rewards program, including up to $1,000 in cell phone insurance and monthly credits against eligible Lyft purchases.
What Sets the SoFi Credit Card Apart?
The SoFi Credit Card stands out from comparable cash-back credit cards for a few reasons:
Up to 3% back on eligible travel purchases. You earn unlimited 3% cash back when you book travel through SoFi Travel, which uses Expedia’s travel booking platform. Travel purchases not booked through SoFi Travel earn unlimited 2% back.
Up to $1,000 in cell phone protection. This cell phone protection plan is more generous than most credit cards’, which top out at $600 to $800 per claim.
No bank account needed to qualify. You can qualify for this card without a bank account, though you still need the SoFi app to make payments.
No sign-up bonus. One notable drawback of the SoFi Credit Card is its lack of a sign-up bonus for new cardholders. This could change in the future, but it’s an issue as of now.
Key Features of the SoFi Credit Card
The SoFi Credit Card has a straightforward rewards program and some notable benefits beyond it. Take a few minutes to familiarize yourself with its features before moving ahead with your application.
Earning Rewards
Most eligible purchases earn unlimited 2% cash back. There’s just one exception: Travel purchases made through the SoFi Travel platform earn unlimited 3% cash back.
Redeeming Rewards
You can redeem your accumulated cash-back rewards for:
Cash deposited into a linked external bank account or a SoFi checking account
Investments (including stocks and exchange-traded funds) purchased through SoFi’s investing platform
Payments on eligible SoFi loans
Statement credits against prior SoFi Credit Card purchases
Redemptions for cash, investments, and loan payments are worth $0.01 per cash-back point. Statement credit redemptions are worth only $0.005 per point, so they’re best avoided.
Cell Phone Protection
This card comes with a complimentary cell phone protection plan that reimburses you up to $1,000 per claim. A deductible and annual claim limits may apply.
Other Benefits
This card comes with some other potentially valuable benefits, including:
Up to $5 in monthly credits against eligible Lyft purchases
A complimentary annual membership to Shoprunner, which offers free two-day shipping on eligible online purchases
A complimentary three-month subscription to DoorDash DashPass, which offers a $0 delivery fee on qualifying orders and other perks
Important Fees
The SoFi Credit Card has no annual fee or foreign transaction fee. Other fees may apply, including for balance transfers and cash advance transactions.
Credit Required
This card requires good to excellent credit. You’re unlikely to qualify with a credit score significantly below 700 on the FICO scale.
Pros & Cons
These are the most notable upsides and downsides of the SoFi Credit Card.
No annual fee
Up to 3% cash back on eligible purchases
Up to $1,000 in cell phone protection per claim
No external bank account needed to qualify
No sign-up bonus
No 0% intro APR offer
Few benefits beyond the rewards program
Pros
The SoFi Credit Card is a low-cost, relatively high-reward credit card with some potentially valuable benefits.
No annual fee. This card has no annual fee. You won’t pay anything out of pocket to keep it active, even if you rarely use it.
2% cash back on most eligible purchases. This card earns a flat, unlimited 2% back on most eligible purchases. That makes it an above-average credit card for everyday spending.
Up to 3% back on select travel purchases. You earn 3% cash back when you book travel through SoFi Travel, an online travel portal powered by Expedia. There’s no limit to how much you can earn on eligible purchases.
Unusually generous cell phone protection. This card’s cell phone protection plan covers more than the average credit card’s. It tops out at $1,000 per claim, against $600 to $800 elsewhere.
Credits against Lyft purchases and other potentially valuable perks. You get $5 off Lyft purchases each month, plus a free annual membership to Shoprunner, which could save you a bunch on shipping if you buy a lot online from participating merchants. The three-month complimentary DoorDash DashPass benefit is appealing if you regularly order delivery.
No foreign transaction fee. This card has no foreign transaction fee, so it’s useful if and when you travel abroad or make purchases with overseas merchants.
No bank account needed to qualify. You don’t need a bank account to qualify for the SoFi Credit Card. You can make payments through the SoFi app instead.
Cons
The SoFi Credit Card lacks the more generous features common to top cash-back and travel rewards credit cards.
No way to earn more than 3% cash back. There’s no way to earn cash back at a rate higher than 3% with this card. Some competing cash-back cards offer 5%, 8%, even 10% cash-back tiers.
No sign-up bonus. The SoFi Credit Card has no sign-up bonus. This is a notable drawback for new cardholders eager to start earning rewards.
No 0% intro APR offer. Unlike many competing credit cards, the SoFi Credit Card has no introductory interest-free period. This is a drawback if you need to pay down high-interest balances accrued on another card or you’re planning to make a big purchase that you’d rather not pay off all at once.
Limited travel perks. The SoFi Credit Card has little in the way of travel perks, such as discounts or rewards at participating hotels and airport lounge access.
How the SoFi Credit Card Stacks Up
The SoFi Credit Card is similar to numerous other cash-back credit cards that earn 2% back on most or all eligible purchases. Before you apply, see how it compares against another popular option: the Wells Fargo Active Cash Card.
SoFi Credit Card
Wells Fargo Active Cash
Sign-Up Bonus
No
Yes
2% Cash Back
Eligible purchases except SoFi Travel
All eligible purchases
3% Cash Back
SoFi Travel purchases
None
Annual Fee
$0
$0
0% Intro APR
No
Yes, 15 months on purchases and balance transfers
The SoFi Credit Card is the clear winner if you travel regularly thanks to its 3% cash-back rate on SoFi Travel purchases. But Wells Fargo Active Cash is a better choice if you’re seeking a sign-up bonus or 0% intro APR offer as a new cardholder.
Final Word
The SoFi Credit Card is a straightforward cash-back credit card that’s easy even for credit card novices to understand and use effectively. And that’s a good thing if you’re tired of comparing the minutiae of credit card rewards programs — or don’t want to start doing that in the first place.
Then again, the SoFi Credit Card has some important missing elements. It has no sign-up bonus or 0% intro APR offer, and it lacks some of its peers’ more generous travel perks. It’s not a bad card by any means, but you can do better if you’re willing to shop around.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
The Verdict
Our rating
SoFi Credit Card
The SoFi Credit Card is a straightforward cash-back card that earns 2% back on most purchases and 3% back on eligible travel purchases. With no annual fee and potentially valuable perks beyond its rewards program, it easily pays for itself. But the missing sign-up bonus and 0% intro APR offer lessen its appeal.
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Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he’s not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.
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.
I have recently become fascinated by the idea of Billionaire Morning Routines.
The premise is that if you want to be successful in life, then you must wake up at an early hour and dedicate time or energy towards your goals. I am still not sure how this translates into a morning routine for me, but what I do know is:
You don’t need much money to become wealthy.
Your mindset can drastically change the trajectory of your day and life.
Sometimes it can feel like the odds are stacked against you. But there’s always hope.
Personally, I have found success by following this simple morning routine that will help get me through each day and set my path for success.
Successful millionaires have certain habits that can help you be more productive each and every day! While not everyone aspires to be a millionaire, these habits can still be useful for anyone looking to increase their productivity levels.
In this post, we are going to dig into billionaire morning routines and look at some millionaire morning routines as well.
Is a cup of strong coffee enough? Or do you need to layer some more key habits of billionaires on top?
So, if you’re looking for some tips on how to be more productive, following in the footsteps of some successful millionaires is a great place to start!
Remember these are the people making 10 figures…
What is a Billionaire Morning Routine?
A Billionaire Morning Routine is a set of habits that wealthy individuals use to start their day in order to increase their chances of success. This usually involves waking up early, exercising, eating a healthy breakfast, and spending time on personal development.
These routines are a set of designated activities that can help you stay on track. A millionaire or billionaire morning routine helps you organize your day from the moment you wake up until the time you leave for work. The difference between what you’re doing and a millionaire morning routine is the way you manage your time.
Every day is different for billionaires, but their morning routine should always be prioritized by their lifestyle needs first.
A billionaire morning routine should focus on managing your time in a way that allows for consistency with priorities of lifestyle needs and productivity goals.
Why is a Millionaires Morning Routine or even a Billionaires Important?
The reason a Millionaire’s Morning Routine is important is that it sets the tone for the rest of the day. If you start your day by working on your goals and taking care of yourself, you’re more likely to have a successful day.
Don’t you want to maximize your time and get the most out of your day?
These are the key benefits of following a billionaires morning routine:
Stay focused on the important tasks at hand each morning.
Help you better prioritize your time in the morning and throughout your day.
Increase your productivity all day long.
Reduce the stress you feel each morning.
Boost your energy levels throughout the day.
In addition, a millionaire or billionaire’s lifestyle is associated with a number of benefits, including increased happiness, improved focus, and more time to accomplish goals.
There are many reasons why having a billionaires morning routine, or even a millionaires morning routine, is so important.
A millionaire morning routine is empowering because it gives you control over your life–and who doesn’t want that?
Billionaire Morning Routines
There are a lot of different opinions on how to achieve success in life, but one thing is for sure: you have to get up early if you want to be a millionaire.
You have heard the saying, “the early bird gets the worm.”
They use these routines to set themselves up for success and make the most of their time. Plus there are a few key things that all millionaire morning routines have in common.
This allows them to get centered and focus on what they want to achieve.
The billionaires’ morning routines are a good place to start when trying to improve your own routine.
Billionaire morning routines are the first place to start when trying to change your daily habits for the better. These practices provide a foundation that you can build off of as you work towards reaching your goals.
#1 – Wake up early
Wake up early to get more done in the morning.
Go to bed at a reasonable time so you can sleep well and be refreshed for the day.
Here are some tips to make waking up easier:
Have a wind-down process before bedtime.
Switch off screens an hour or two before you plan to go to bed so you sleep easily when the sun rises at 5 am.
Wake up five minutes earlier than you do now and work your way up until you wake up an hour earlier.
Waking up early is a simple change that anyone can make!
To get up early, go to bed earlier. The key to getting up early is going to bed early and having a wind-down routine so you sleep easily when you get into bed.
#2 – Meditate
Meditation can aid in concentration, creativity and reduce stress.
There are a variety of ways to meditate, including sitting quietly and focusing on your breathing.
When it comes to improving productivity, many people think that meditation is a waste of time. However, this could not be further from the truth.
In fact, there are a number of reasons why you should meditate every day:
Lowers your stress levels
Helps you focus
Improves creativity
Provides answers to unexpected problems
Helps make decision making easier
Keeps you less distracted throughout the day.
The hardest part of meditation is getting started, but it’s worth it if you have the discipline to stick with it for even 5 minutes a day or do some other form of relaxation therapy before falling asleep at night.
It doesn’t matter how long you do it, as long as you’re getting the benefits from it.
#3 – Glass of Water
Drinking water in the morning can improve general health and well-being.
Celebrities including Kim Kardashian, Beyoncé, and Cameron Diaz have touted the benefits of drinking water regularly.
Water is essential for life. In fact, our body is composed of about 60% water. We lose water every day through sweating, breathing, and urination, so it’s important to replenish our fluid intake. Drinking a glass of water in the morning can reduce calorie intake and improve mental performance.
Drinking water in the morning can help you stay alert, make you more energetic, and provide the necessary fuel for your brain. It’s important to drink water first thing in the morning because it hydrates quickly and fuels your body. Drinking water is also a great way to hydrate for a long day of work or play later on that day.
#4 – Exercise
The wealthiest people in the world begin their days with some exercise. They choose to perform this activity in the morning so that it doesn’t get forgotten among all their other daily responsibilities.
Richard Branson, a British billionaire, exercises every morning without fail.
Exercising boosts your confidence, has positive effects on your mood, and helps them focus throughout the day.
The key is to find a way to incorporate exercise into your routine each day. Find an exercise that works for you and stick with it.
Wake up early and exercise. Exercise is a great way to start your day off on the right foot. It gets your blood flowing and helps you wake up mentally and physically. Plus, it’s a great way to get in some extra fitness goals for the day!
#6 – Read a book
Reading can boost cognitive activity in the brain. This means that you’ll be more alert and prepared for whatever challenges the day throws your way!
Also, reading before bed can help calm the mind and prepare the body for sleep.
# 7 – Eat a healthy breakfast
Many successful people have made breakfast a key part of their morning routine.
Starting your day off with a filling meal can help you stay focused, give you more energy, and help you concentrate on the work you need to accomplish later in the day.
Breakfast is the most important meal of the day, and it’s especially important to eat a healthy breakfast. Eating breakfast helps your body and mind function at their best. It can give you energy for the day ahead, help you focus, and provide necessary nutrients for your brain.
There are many different types of healthy breakfasts that you can try. Some people like to have eggs, others prefer yogurt or granola. Kelly Ripa has coffee, yogurt, and granola as a breakfast routine; Barack Obama has eggs, potatoes, and wheat toast. Reese Witherspoon’s go-to green smoothie recipe has been her breakfast routine for the last nine years. Idris Elba keeps it simple with toast during his morning routine.
No matter what you choose to eat for breakfast, make sure you drink plenty of water as well.
On the flip side of the coin is fasting during breakfast and maybe even lunch.
#8 – Plan your day the night before
Plan out your day ahead of time. One of the best ways to ensure that you make the most of your time is by planning out your day ahead of time. This will help keep you organized and focused on what’s important.
Determining when during the day is the best time to tackle your toughest jobs can help reduce stress and increase performance.
Journal your thoughts, plan your day, and focus on what you want in life.
Goals don’t happen unless they are written down and acted upon.
One way to make sure you start your day off on the right foot is by planning your day the night before. This way, you can wake up knowing what you need to do and have a plan in place for how you’re going to get it done.
Reflecting in the evening about what you want for yourself can help solidify your intentions and give them power by writing them down for review each day.
#9 – Plan the day ahead
Others prefer to plan their day in the morning.
Getting out of bed and putting your best foot forward EVERY SINGLE DAY is important for having a successful morning routine.
By planning out your tasks, you will be better prepared to face any challenges that come your way during the day.
To help with this, try creating a morning routine that fosters a healthy mind, body, and spirit. This will get you ready to operate at peak performance.
In order to be successful, you have to know your schedule so you can plan time blocks for specific activities. There are only so many hours in a day – you must make sure they are well spent.
#10 – Create your routine
Creating a routine for your morning will help you accomplish more with your time, starting your day off on the right foot, and it will also give you a chance to start your day off with joy before any hustle or stress begins.
Some of the benefits of a millionaire morning routine include stress-free, accomplished things, and increased levels of happiness.
However, remember that the Millionaire Morning Routine is not the only one out there! You can start your day by hitting the ground running but don’t copy and paste a billionaire’s exact routine. Billionaires set their days apart with goals, so try our goal-setting worksheet to get a head start!
There are many factors to consider when deciding if a millionaire morning routine is for you, such as the goals you want to achieve and your schedule.
However, you need to create a routine that works for you. Below, you will see some samples from billionaires, but at the end of the day, it has to work for you.
When you have something to look forward to at the beginning of each day, it helps reduce stress and makes you happier. It’s also a way to get your day started on the right foot.
What time does the average billionaire wake up?
There is no average billionaire wake up time because there is no average billionaire.
However, it is well known that most millionaires and top executives wake up early in the morning. Some may be up by 4 am while others start their days between 6-7 am.
This gives them plenty of time to get ready for their day and start working on their goals.
Waking up early is a great way to start your day. You have more time to get things done, and you’re less likely to be stressed out. In addition, it’s a good opportunity to meditate and clear your mind before getting started on your work.
Billionaire Morning Routine Examples
There’s no one right way to have a successful morning routine, but many millionaires and billionaires have habits that they credit with helping them achieve their goals.
Others include setting priorities for the day and planning ahead.
There are many different morning routines that billionaires follow in order to achieve success. Some of these routines include waking up early, exercising, and reading. Others involve spending time with family and friends or networking.
No matter what a billionaire’s routine may be… the most important thing is that they stick to it and make sure they are taking steps each day to move closer to their goals.
These billionaires have different workdays, but all follow a similar daily routine to keep their minds and bodies in check.
Elon Musk Morning Routine
Elon Musk is a well-known entrepreneur and investor. He is the founder, CEO, and CTO of SpaceX, co-founder of Tesla Motors, and chairman of SolarCity. He also has a keen interest in artificial intelligence.
First of all, sleep for Musk is minimal with him going to bed around 1 am and back working by 7 am.
Musk has a routine that includes 5 minute blocks. In each block, he does one thing that is important to him. This could be making calls, sending emails, or working on a project. By doing this, he is able to focus on one task at a time and avoid distractions.
Musk’s routine also includes planning out how long it will take him to complete tasks throughout the day so that he can be sure not to waste time on tasks that are unnecessary or take too much time. This prevents him from feeling rushed and allows him to focus on the most important tasks. He makes a solid plan for his day in order to prioritize what he needs to accomplish – even though it may not go as he planned.
Kylie Jenner Morning Routine
Jenner wakes up early which is credited to her mom as setting an example for rising early. This self-made billionaire is not sleeping in at all, especially with her daughter.
The most intensive part of her morning routine is getting herself glammed up for the day. She will not eat breakfast without her makeup on. Workouts? She is known to work out 1-2 times a day depending on her schedule.
Finally, she eats breakfast and starts working on her business.
Waking up early and exercising sets the tone for the rest of her day and allows her to get things done efficiently.
Jack Dorsey Morning Routine
Jack Dorsey is the founder of Twitter and Square. He has a very unique morning routine that some people might find inspiring.
He wakes up at 5:00 am and spends his early hours on personal care.
First, Dorsey starts off by taking an ice bath to shock his system. This supposedly boosts mental confidence, which is necessary for running two major tech companies.
After the ice bath, he spends 60 minutes meditating in silence. This prepares him for his five-mile walk or jog to work. He skips breakfast, which many people find controversial.
He wraps up his day by journaling and reflecting on what went well and what could be improved.
Warren Buffet Morning Routine
Let’s be honest… many people look at Warren Buffet for inspiration and guidance. He is a wealth of knowledge that has lived throughout many of the toughest points in our nation’s history.
Billionaire Warren Buffet reportedly wakes up at 6:45 am and drinks a can of Coke. Then, he heads to the local McDonald’s for breakfast.
Very opposite of what most people would assume. But this morning routine has served Buffet well for years.
Warren gets down to business. He explains that most days, he just sits in his office and reads finance-related materials all day – specifically related to company financials, market materials, financial journals, and investor reports.
After leaving the office, Buffet goes home and might pick up fast food from time to time, but typically eats at home later in the day. A little reading before bed around 10 pm.
Oprah Winfrey Morning Routine
Oprah Winfrey is a famous American talk show host and actress. She wakes up at around 8:00 AM every day, brushes her teeth, lets the dogs out, and then starts her morning routine.
She places importance on reading at least five cards from her 365 Gathered Truths box each morning. More than likely she started with saying any of these money affirmations before she found her fame.
Oprah has a routine that includes a couple of hours spent on spiritual exercises, followed by an hour of low-impact strength-training program. She also spends time with her family and friends before finally starting work in the afternoon.
Jeff Bezos Morning Routine
Jeff Bezos has a very strict daily routine that he follows. He wakes up early (somewhere between 5:00 am -6:30 am) and begins by reading the news. After that, he spends time with family, eats breakfast, and does various activities that are not work-related.
His first business meeting starts at 10 am normally working on Amazon business matters. He has business meetings and visits fulfillment centers in the afternoon, but avoids important decisions late due to fatigue.
Sleep is important to this entrepreneur and goes to bed earlier than most.
What is the most successful morning routine?
The most successful morning routine for many people includes a mix of habits that help them start their day off on the right foot. This may include waking up early, drinking a glass of water, eating a healthy breakfast, and spending some time in prayer or meditation.
In order to be successful, it’s important to have a morning routine that incorporates good habits.
If you struggle with habits, then I highly recommend you read the book Atomic Habits. These habits are easy to incorporate into your own life and will help you accomplish more tasks and live like a billionaire.
How long does the 1 billion dollar morning routine take?
The 1 billion dollar morning routine was created by Jim Kwik, a YouTube creator.
It takes at least one hour to work through his 1 billion dollar morning routine.
Here are the key principles for Jim Kwik’s 1 billion dollar routine (source):
Recall your dreams
Make your bead
Drink water and take supplements
Focus on breathing
Meditate for 15-20 minutes
Move the body for 1-2 minutes
Take a cold shower
Enjoy a cup of tea
Journal
Create 3 lists: to-do list, to-be list, and to-feel list
Read for 20-30 minutes
Make a brain smoothie
Participate in brain training.
Start with the most difficult (and important) task
Self-care, self-love, and setting a vision and direction for the day are essential components of this routine. And don’t forget about hydration! A glass of water is a great way to start your day off on the right foot.
Journaling is another important part of this routine. It allows you to check-in with yourself about your stressors and how to navigate them. Consider implementing a few of these steps into your routine to see how they make you feel.
The 1 billion dollar morning routine may not be feasible for everyone, but some of the steps included are still worth considering (particularly the one about having a plan). Or moving some of the activities to other parts of the day.
What are the habits of a billionaire life?
In order to achieve success in life, it is important to emulate the habits of a billionaire. This may seem daunting at first, but if you take a closer look at what these individuals do on a daily basis, you will find that many of their habits are actually quite attainable.
For example, many billionaires are avid readers and they make sure to read something every day. They also have a strong focus on personal finance and know how to manage their money well. Additionally, they understand the importance of taking care of themselves both physically and mentally. All of these habits are important for anyone looking to achieve success in life!
These types of people are the opposite of I don’t want to work anymore.
What will your productive morning routines look like?
There’s no “right” way to have a productive morning routine – as long as you’re committed to it and conforms to the same principles.
For example, many successful people have different routines but they all commit to following them. This may include things like personal commitment, engagement, team building, and productive motion.
It’s also key to be flexible with your routine so that you can adjust when necessary. For instance, if something comes up or there’s a change in your schedule, you’ll be able to adapt without too much trouble.
The important thing is that you make time for the things that are important to you and that help you achieve your goals.
This might include exercise, breakfast preparation, or “mindful living.”
Whatever it is, make sure it works for you and that you’re actually going to stick with it!
What will go on your Billionaire Morning Routine List?
Most morning routines of millionaires and billionaires weren’t created overnight; they’re crafted over time. Same with buying their mansion.
So don’t worry if you don’t get everything right the first time around–just keep working at it and you’ll see results soon enough!
Get out of bed and put your best foot forward EVERY. SINGLE. DAY.
Each person’s journey to greatness will be unique, but by following the examples set by these successful individuals, you’ll be on your way to achieving anything you want!
Having a millionaire morning routine means that you start your day stress-free. It also helps you achieve your goals. The benefits of the millionaire morning routine vary depending on the schedule and personality of each individual.
But, in general, incorporating a project into your morning routine can help you feel more in control of your life, boost energy levels throughout the day, and make healthier choices.
In fact, check out these millionaire quotes.
The habits of successful millionaires can be applied to any area of your life for increased success.
Finding your own productive morning routine is better than leaving your luck up to left hand itching.
Know someone else that needs this, too? Then, please share!!
Save more, spend smarter, and make your money go further
Are there items in your home that haven’t been touched in years?
If so, you’re not alone! Sometimes, things seem great in theory (especially when you see them at 2 AM on an infomercial).
But when they actually make it into your home, they become official dust collectors.
Watch out for these 7 tempting items – they’re famously not worth it!
Home Fitness Equipment
Average Cost: at least $30 (probably more!)
Pumping iron at home sounds great in theory (who wants to deal with a gym?) but when it comes down to it, many of us ignore the thigh master and treadmill that’s taking up space.
In fact, Consumer Reports found that nearly 40 percent of people used their home exercise machines far less than they had planned.
Instead of spending cash on at-home equipment, consider using a free app like Sworkit or Fitocracy.
That way, you can skip the pricey home equipment and the gym membership.
Banana Slicers
Average Cost: $10
We admit that this kitchen gadget looks cool, but let’s be real – how often do you really need to slice bananas?
We’re guessing probably not enough to justify a $10 fancy slicer.
Instead, use a knife! It’ll get the job done.
Note: Banana slicers aren’t the only kitchen gadget you should never buy.
Baby Wipe Warmer
Average Cost: $25
When you’re a first-time parent, the number of things you need to buy for a baby can be overwhelming, and it’s tough to know what’s really necessary.
We’re here to simplify life (at least a little bit): skip the baby wipe warmer.
Instead, warm a cold baby wipe in between your palms before you use it.
Your baby’s bum will stay warm, and you’ll have one less baby-thing to buy!
But listen, if you want to splurge on the wipe warmer to avoid any potential extra tears/stress/middle of the night soothing sessions, we totally get it.
Dog Bed
Average Cost: $50 – $80 (depending on the size of your dog)
Don’t get us wrong, we think every dog deserves a comfy place to sleep, but there are a lot of ways to make a dog bed without going to the store.
(And Spot will enjoy them just as much.)
Try making your own dog bed with pillows and old blankets or towels. Not only can you control how soft the bed will be, you’ll save some cash.
Tip: If you’re skeptical about the aesthetics of pillows and blankets, consider putting the makeshift bed in a suitcase.
Wine Stopper
Average Cost: $10 – $15 (and up!)
Someone once said that popping a cork is one of the few sounds in the world that brings true joy to the listener, but we don’t think it’s necessary to plug that bottle back up with a fancy-schmancy wine stopper.
Instead, just use a cork. Once a cork is back in the bottle, it does a great job preserving your wine.
If you want something a little more attractive, make your own stopper with leftover corks.
We love this geode version made by Emily at Cupcakes and Cashmere.
Alarm Clock
Average Cost: $20 (and up!)
Waking up in the morning can be tough, and an alarm can save the day if you’re prone to oversleep. But, you don’t need to buy a separate item just to wake you up.
Just use your cellphone! You don’t even need a smartphone to set an alarm – flip phones have an alarm built in, too.
DVD Player
Average Cost: $35 (plus the cost of renting DVDs…one at a time)
Do you remember when DVD players were luxury items that cost $100 or more?
Yeah, that’s because they were useful. Now, there are a slew of other ways to get your Leonardo DiCaprio fix.
Like Netflix!
You can get a membership to Netflix for $7.99 a month and have endless entertainment streamed directly to a computer, tablet or other device (like an Apple TV, PlayStation or Xbox). BrightNest is a free site that provides tools and tips to homeowners to help them save money, get organized and keep their homes in great shape. Sign up for a free BrightNest account today!
Save more, spend smarter, and make your money go further
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In my previous post, a few commenters brought up the issue of market timing, generally taking me to task for appearing to advocate it. Market timing is a topic of much discussion, primarily in the world of stock investing. With this post, I hope to explain the issue and show how it applies to you, even if you never invest in a stock or mutual fund.
What is market timing?
The oldest investing advice in the book is “buy low and sell high.” Market timing is an attempt to do just that: Sell when the market is high; buy when it’s low. Obvious, right?
Obvious, though, is not the same as easy, because market timing, in essence, entails predicting whether the market will keep going the way it’s going, or make a turn, up or down, which is easier said than done.
Let’s say you wake up one morning, and this is the picture you see of a stock you’ve owned for about five years. (The chart is real, drawn from Yahoo Finance, but the name of the stock, and the dates, have purposely been blanked out, because most people’s first instinct will be to draw on historical knowledge to guess the outcome.)
Sell… or hold?
The stock has doubled in value in the five years you’ve held it. Hey, double is high, right? So should you sell today?
Answer: You don’t know. You don’t know if double is high enough or if you should hold the stock in hopes of more gains. Thousands of investors bought Microsoft at $1x, and felt good when they sold for $2x, only to see it go to $10x after they sold. On the other hand, many held AOL at $2x, hoping for $10x, only to see it drop to less than $1x.
The dilemma
Here’s the central dilemma underlying each and every investment decision you will ever make:
Investing is all about the future.
Nobody knows the future.
Every investing post, book or article you read, every hyperventilating-Jim-Cramer show you watch, every debate among investors revolves around that two-fold dilemma. All of us are trying to figure out how to obtain the best future outcome without knowing what that future holds. Some look to history to provide clues to the future, some look at rules or formulas which they presume determine future performance, and some use both. Those all may work some of the time, but there’s no such thing as a perfect predictor of the performance of any investment.
So there you are. You wake up in the morning, you don’t know what’s going to happen in the future, but you have to make a decision on whether or not to sell your lovely stock which has doubled in the past five years.
This might come as a revelation to you, but no matter whether you mean to or not, you are making that decision every day. Not making a decision is making the “hold” decision. Going to the Bahamas for a vacation and not looking at the stock is making a decision: Hold.
The exercise
So… back to the previous chart, what would you do? Before reading further, take the time to come to an answer.
Now, let’s expand the chart and see what happened. The dot on the line shows the point at which we cut it off in the chart above.
Hindsight 1: Should have held
The price of the stock kept rising. With the benefit of hindsight, the best decision would have been to continue holding. It almost doubled again in the three years following.
And then you wake up one morning to see it begin to dip, losing about 10 percent of its value (as you can see at the tail end of the chart).
Should you sell now since it is “high” or hold for even more gain? (As before, come to an answer before proceeding.)
Below is what actually happened. (Again, the dot represents the previous cut-off point.)
Hindsight 2: Should have held (again)
The stock, after that drop which might have spooked you, continued to climb almost 50 percent from the dip, and almost 30 percent from that peak just before the dot… in just 18 months.
Now you wake up on that morning at the end of the chart and see the stock climbing steeply. You have to ask yourself yet again: Sell or hold?
What would you do at this point? It’s been almost 10 years that this stock has risen, and it’s about five times the value at the beginning.
Can you see that timing the market is not easy? It’s like signing your name with your other hand — it sounds simple, but that doesn’t mean it’s easy to pull off. (In case you were telling yourself this is an individual stock, the market is easier to predict, well, this actually was the market. The chart is for the S&P 500 during the ’90s; this would be the chart you’d be following if you held an index fund. The price fell off a cliff right after the last chart ended.)
You can’t escape it. Timing the market is not easy.
It gets worse. You have to do this every single day. You never know if things are going to change that day, so you can’t take any days off. This particular chart covers almost 10 years. With about 250 trading days a year, you’d have had to do this 2,500 times, day after agonizing day, week after week, year after year. That doesn’t count the “worry days” — weekends and the other days the market is closed when you worry that you should have sold at the last opportunity you had. And that’s just for a single stock or index.
Conclusion
You get the picture. Even if you think you can make good predictions or you have a good formula, if you wanted to time the market with this stock (or index) you would have had to come up with 2,500 “hold” decisions in a row, and not a single “sell.” Think you could do that? Think anybody could do that?
Timing the market accurately, no matter what anybody says, is next to impossible. Forget the theory and all those academic studies. Timing the market is a daily exercise, and that is a strenuous affair. The odds are so against you, it’s even worse than gambling. There are a few reasons why it’s so hard:
The future is impossible to predict.
The human brain is not wired to make 2,500 “hold” decisions in a row without fatigue, fear, or some other form of indecision setting in, creating a “sell” decision. The “sell” decision, then, ends up not being a market-timing decision, but a human-brain-inadequacy decision.
Nobody has identified exactly which variables turn the market, up or down. After the fact, it’s easy to reconstruct the cause of a turn, but those reconstructed reasons can’t be turned into a rule or program to predict the next turn.
Some people have attempted to create computer programs that won’t suffer from mental fatigue or fear, but the other two problems above make even that hard to pull off. Warren Buffett says he can’t time the market and so he, with as much humility as he can muster, recommends you don’t try it either.
This doesn’t stop many investors from timing the market, either directly or through the mutual funds they own (outright or through their 401(k) plans). The Investment Company Institute (ICI), a trade group for mutual fund managers, tracks the inflow and outflow of monies to mutual funds. They report that the biggest outflows from equity funds happen after a major market drop. The biggest inflows happen at times when the market is rising. In other words, millions buy high and sell low, and do it consistently every time the market surges.
Why? When the market goes up, the natural tendency for the human brain is to predict that it will continue rising. If the market drops, the same brain tendency is to predict continued dropping. The expectation for the future, then, is a continuation of the past. No turns, in other words.
Your options
There are various strategies people follow to deal with the dilemma of not knowing what the future holds. None of them are perfect, and consequently they all attract their share of critics. Warren Buffett’s strategy is called “buy and hold.” He buys with the view that he will never need to sell. He does time the market for his purchases, though. The classic example is his purchase of most of his Wells Fargo stock when the market whacked the price of that stock down to something like a P/E of around 5, if I recall correctly. So, I guess his strategy is “buy low, sell never.”
If you dig deeper into the market timing issue, it seems most questions focus on the “sell high” part of it. Most stocks, when the market plunges, recover their losses and grow further once the market recovers. Therefore, there’s little to gain if you try and sell high because it’s so difficult to pick the right spot to sell (as you can see in the example above). Buying low is a lot easier, because if the stock is reasonably priced, it can weather a temporary drop in price much better than one with a premium (high P/E) price.
However, you need cash to buy low, and where do you get that cash? Mr. Buffett always has a few billion clinking around in his pockets, but for you and me I that’s not quite so easy. Selling high is the tempting answer, but it’s impractical, as we saw in the exercise above.
With that in mind, you can either be brave and try and time the market, or you can follow Mr. Buffett. You will hear critics spout things like “buy and hold are dead”; but the key question to ask is if their strategy can succeed for as long, and as consistently, as that of Mr. Warren Buffett. His track record speaks for itself.
Nestled in the heart of Florida’s beautiful Panhandle, Tallahassee offers a captivating blend of Southern charm, vibrant culture, and endless opportunities. This dynamic capital city is more than just a seat of government; it’s a place captivated by enchanting canopy roads, mouthwatering Southern cuisine, and the energy of college football. With its lush green landscapes, rich historical heritage, and thriving arts scene, Tallahassee paints a picture of a city that embraces its residents with open arms. However, living there has its disadvantages, including severe weather, limited public transportation, and a small airport.
So Whether you’re looking for Tallahassee apartments or are searching for homes for sale, this Redfin article is a great resource. It covers ten pros and cons of living in Tallahassee, helping you determine if this city is right for you.
Pros of living in Tallahassee
1. Affordable cost of living
This charming city offers an inviting atmosphere that won’t break the bank. Tallahassee shines as a beacon of affordability, offering a reasonable cost of living, from housing to daily expenses. Imagine a place where your hard-earned dollars stretch further, allowing you to enjoy a comfortable lifestyle; you’ll find that here.
The median sale price in Tallahassee is $250,000, well below the national average of $400,378. You’ll even notice how rent prices are just as affordable. The average rent for a two-bedroom apartment is $1,197, making it an excellent destination for those on a budget. With reasonable housing prices, budget-friendly dining options, and cost-effective entertainment opportunities, Tallahassee invites you to savor life’s pleasures without sacrificing your financial peace of mind.
2. Rich cultural heritage and diverse arts scene
Tallahassee’s historical roots are deeply entwined with Native American, Spanish, and African-American influences, all contributing to a unique cultural blend that’s palpable in its architecture, food, music, and community festivals. Delve into the past as you wander through the historic districts in Tallahassee, such as Frenchtown and Smokey Hollow. There, you’ll notice heritage resonating through art, music, and storytelling. After, immerse yourself in the captivating world of the arts at the vibrant Railroad Square Art Park, where galleries, studios, and creative spaces showcase diverse artistic expressions.
3. Abundance of natural beauty and outdoor recreational opportunities
Tallahassee, a true haven for nature enthusiasts, awaits your arrival with its awe-inspiring natural beauty and thrilling outdoor adventures. Prepare to be enchanted by the city’s picturesque landscapes, where sprawling oak trees create beautiful canopies along scenic roads. Explore the wonders of Maclay Gardens State Park, where vibrant flowers and tranquil lakes beckon you to take strolls or embark on invigorating hikes. And imagine the thrill of kayaking down the pristine waters of Wakulla Springs, encountering graceful manatees and abundant bird species along the way. Tallahassee has something to love, whether you seek serenity in a peaceful park, the thrill of an adrenaline-pumping adventure, or simply the opportunity to connect with nature’s beauty.
4. Plenty of sunshine throughout the year
The Sunshine State’s hidden gem, Tallahassee, basks in the warm embrace of abundant sunshine throughout the year. With its enviable climate, this city radiates a cheerful and uplifting energy that invigorates residents and visitors. Imagine waking up to sunny skies and golden rays, a daily dose of natural positivity that fills your soul. Whether you’re strolling through the picturesque parks, basking in the glow of a vibrant sunset, or engaging in outdoor activities, Tallahassee’s year-round sunshine offers endless opportunities to soak up its invigorating warmth.
5. Numerous festivals, events, and entertainment options
Prepare to be swept away by a whirlwind of cultural celebrations that unite the community and ignite the spirit of joy in Tallahassee. Join in the revelry of the Tallahassee Downtown Market, where local artisans showcase their talents and offer a treasure trove of unique crafts and delicious treats. You’ll also find the lively Tallahassee Food Truck Festival, a culinary extravaganza where tantalizing aromas and delectable flavors take center stage. For sports enthusiasts, the Tallahassee Marathon and Springtime Tallahassee Parade offer opportunities to cheer on athletes and revel in the city’s vibrant spirit. No matter the time of year, Tallahassee’s calendar is brimming with festivals, events, and entertainment options.
Cons of living in Tallahassee
1. Limited public transportation options
The city’s public transit system primarily relies on buses, with a network that may not be as extensive as in larger metropolitan areas. The transit score for Tallahassee is 30 which falls into the car-dependent range, and while efforts have been made to improve transportation accessibility, it’s important to note that the system may have limitations in terms of coverage and frequency. This means that owning a car or relying on alternative modes of transportation becomes necessary for many residents to navigate the city efficiently.
2. Occasional impact from hurricanes and tropical storms
Given that Tallahassee is located in the central region of Florida, it occasionally experiences the impact of hurricanes and tropical storms. While the city is well-prepared to handle such weather events, it’s essential to be aware of the potential risks and take necessary precautions. Tallahassee’s location may occasionally face strong winds, heavy rainfall, and temporary disruptions to daily life.
3. Hot and humid summers
During the summer, residents and visitors can expect the temperatures to exceed 90 degrees Fahrenheit. As temperatures rise and humidity levels soar, the summer heat can become intense and uncomfortable. The high levels of humidity can make outdoor activities challenging and can lead to feelings of fatigue and discomfort. Staying hydrated and seeking shade become essential during this time. Additionally, the hot and humid weather may limit particular outdoor pursuits and make it less enjoyable to spend time outdoors.
4. The small airport can be limiting
Tallahassee’s airport facility, while serving the city and its surrounding areas, is relatively small compared to major international airports. This can be seen as a con to living in Tallahassee, particularly for those who frequently travel long distances or require a wide range of flight options. The smaller airport size may result in limited direct flights and fewer airlines operating in the area, leading to higher airfare costs and potential inconveniences when planning trips. Additionally, connecting flights may be necessary for reaching certain destinations, which can add travel time and possible complications.
5. High annual precipitation
Tallahassee experiences relatively high annual precipitation, which can be seen as a con for some individuals considering living in the area. In fact, Tallahassee is ranked position 9 of the rainiest cities based on the average annual precipitation total. The city receives ample rainfall throughout the year, contributing to the lush greenery and vibrant landscapes that characterize the region. However, the higher precipitation levels may present challenges such as increased humidity, occasional flooding in low-lying areas, and the need for adequate drainage systems. Additionally, heavy rainfall can impact outdoor activities and limit the availability of certain recreational opportunities. Though rain enhances the city’s natural beauty and adds to its splendor, it’s crucial to anticipate the potential inconveniences caused by higher annual precipitation.
Is Tallahassee a good place to live? Final thoughts
When deciding whether or not to make Tallahassee your home, it is crucial to approach it with thoughtfulness. Consider your preferences and priorities, while recognizing the benefits and occasional obstacles that come with embracing this remarkable city.
A trip to India to visit relatives was at the top of my family’s travel wish list during the pandemic.
When we were finally ready and able to travel, it seemed as if the whole world had already returned to the skies with great enthusiasm, with airline ticket prices shooting up accordingly.
Since this would be our first visit to India after almost five years, we’d committed to going regardless of any obstacle thrown our way.
Planning a trip from the U.S. to Delhi of almost 30 hours in duration and with two young kids, age 8 and 14, is no easy feat.
After carefully considering all the factors like price, flight schedule and routes, booking a flight with a long layover — seven hours — appeared to be our best option.
Why we chose a long layover
Before choosing our travel dates, we considered many factors, like ticket prices, number of stops, school break, paid time off from work, holiday travel chaos and the potential for winter storms. We also had the additional complication of needing to book our tickets in groups of two because my husband and high schooler had to return home sooner.
While it may seem strange, the flights we selected, with a long airport layover, were a calculated choice. We wanted to ensure that we wouldn’t have to sprint to make our connecting flight — not so easy with a whole family and lots of luggage.
After much deliberation, I reserved tickets from Hartsfield-Jackson Atlanta International Airport (ATL) to Delhi Indira Gandhi International Airport (DEL) with a seven-hour layover at London’s Heathrow Airport (LHR).
As our travel dates approached, my anxiety about keeping everyone sane for seven hours at Heathrow Airport increased. I started Googling and asking advice from TPG’s large team of travel experts and frequent flyers, but my family’s 30-hour-long itinerary with two kids was certainly not the norm.
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A common theme among my colleagues was that I should spend the layover in a lounge at LHR. Since I don’t yet have a credit card with airport lounge benefits and I didn’t want to sign up for a credit card just for lounge perks, that wasn’t really an option. In light of this experience, that decision may change soon.
Long-haul flights can be especially difficult when traveling with youngsters, but there are many tips and tricks out there to make the journey easier.
Planning ahead and having plenty of activities and snacks on hand will help keep little ones entertained. Some of our favorite travel games include word puzzles, sudoku, coloring books and printable maps.
Perhaps the most important thing, however, is to organize your hand luggage so that all your kid-friendly paraphernalia is easy to access when you are transiting through a busy terminal — choosing the right carry-on can often make all the difference.
Departure-day chaos
Our flight departure coincided with the first day of the major holiday travel period last December, which meant more traffic on the roads and longer lines at the airport — not to mention a fair number of passengers with frayed nerves.
We decided to leave the house earlier than we would normally during non-peak travel periods to give ourselves a nice buffer. While it did extend our itinerary by another hour, it was totally worth it.
It wasn’t just the long security lines that complicated our airport experience. Between the four of us, we were lugging around three carry-ons and four backpacks. By the time we had removed all our electronic devices, chargers, shoes and jackets and placed them in separate trays, we now had nine trays of gear that we needed to keep track of and repack. It was chaotic, for sure! If there was ever a time that I understood why so many of my co-workers at TPG have either TSA PreCheck or Clear, that was it. Lesson learned.
This security process was even more complex at LHR, where electronic items need to be placed in separate trays and 100-millimeter liquids must be placed in transparent, sealable bags no more than 8 by 8 inches. This resulted in even more trays than we had at ATL.
After going through security, we were finally ready to relax and grab a bite to eat.
Related: Why you should get TSA PreCheck and Clear — and how you can save on both
The long layover begins
The moment that I’d been planning for (and worrying about) for so many days had finally arrived.
After a smooth flight, we landed at LHR Terminal 3 midmorning. Thanks to travel fatigue (from days of packing, organizing and luggage handling) and an almost perfectly timed night flight, we had all been able to sleep periodically during the flight, so we weren’t feeling any major jet lag just yet.
11:10 am
From the time it took to deplane and then sort, collect and repack our 10 trays at the security check, plus make a couple of restroom visits, almost 90 minutes had flown by.
With holiday travel in full swing, we then spent almost 15 minutes searching for enough open seats to accommodate my family and our bags.
Once my family had settled in, I promptly ditched them to take a walk around the terminal (that is my way of stretching my legs after a long flight) and grab a coffee and cookie from the trendy EL&N London outpost that had been recommended by a co-worker. This cute all-pink cafe was certainly a treat for tired eyes.
12:30 pm
After exploring a little, I headed back to my family. We set a 20-minute timer to disconnect the kids from their devices while I took them for a walk around the airport so they could pick a restaurant for lunch.
I was able to sneak in a food scavenger hunt for my 8-year-old and a shopping scavenger hunt for my 14-year-old, which led them inside some of the stores in the terminal where they could also peruse some British novelties.
Shopping was not the end game, but letting them each buy one or two little things as souvenirs added a dose of excitement and kept the kids engaged for another chunk of time.
Despite Heathrow being the second-busiest airport in the world, I was surprised to find that Terminal 3 felt quite small, which made it easier to navigate, especially when you are 15 hours into a very long journey.
If you are looking for a long, lingering lunch at Heathrow’s T3, your options are quite limited. We finally chose a restaurant named Spuntino for its diverse menu that we knew would cater to everyone’s taste.
3:45 pm
We’d been so focused on our activities and enjoying lunch that we didn’t notice that a little over four hours had passed.
We secured a long seat with enough room to relax, either by stretching our legs on our luggage or leaning our heads on each other’s shoulders. It was the perfect time to just enjoy reading and relaxing together, and another hour quickly passed by.
My youngest child has no interest in or patience for drawing, but his elder brother sometimes manages to motivate him. At this particular moment, that skill was key.
When I’d checked everything off my list, offline drawing videos were a savior. Even though exhaustion was kicking in at this point, both boys became completely focused upon creating their artworks.
Finally, around 5:10 p.m., we regrouped and headed toward the gate to board our 6 p.m. flight.
My husband and I exchanged a smile of relief that we’d managed to get through our seven-hour layover, relatively stress-free, and shared memorable moments together in the process.
What worked and what didn’t
Kind of worked
Scavenger hunts are a great way to make airport layovers entertaining for kids. As I was traveling with a teenager and an 8-year-old, the same ideas wouldn’t work for both kids, so I downloaded different options like a food hunt and an airport hunt for airline companies and aircraft.
While you can find these printable sheets easily on Google, I found that it’s more fun and effective to customize them to your child’s interests or your setting.
I added London-themed information: fish and chips and Dutch baby pancakes for the food hunt, and airline names like Qantas and Royal Jordanian and aircraft types like Airbus A380 and Boeing 787 for the airport hunt (this information is available on the Heathrow Airport Guide website).
The scavenger hunt idea worked wonders with the younger one, the food hunt was fun for the teenager, and locating aircraft sparked an interest in aviation.
Worked
Since my eldest son likes to draw, he helped me download some drawing lessons for himself and his younger brother. Another great tip is to add some shiny new art supplies to their bag, too.
If your kids aren’t artistically inclined, you could instead try sudoku, word puzzles, travel puzzles or card games. These options have always worked for us, both on flights and during road trips. With younger kids, the parent needs to be an active participant, but fortunately, I really enjoy playing these puzzles with them.
The food scavenger hunt was a hit. Although food items on the scavenger list were generic, they found some fun treats to enjoy both in the terminal and during the next flight. My 8-year-old was super excited to see fish and chips (from the scavenger hunt list) on the restaurant menu at lunch, and it became his instant choice.
We also bought a souvenir and some chocolates.
1 of 2
BHAWNA KHOWAL/THE POINTS GUY
Definitely worked
How could I not add a device or a gaming console to my list? Of course, I had to. No packing list is complete without versatile, quick-fix technology.
We also saved some offline games and downloaded some e-books. Since we decided not to pay for Wi-Fi on the plane, our screen time was inherently limited. Most kids will at some point become bored of playing the same offline games, which will force them to rest, read or switch to another off-screen activity.
Bottom line
Searching for and planning out activities in advance helped to ensure that our long layover was as enjoyable as possible.
While I do not regret not paying for lounge access for this particular long layover, that’s not to say that I wouldn’t consider it for my next trip.
Lounge access is no doubt a boon if your family likes to savor a nice buffet and relax and recline. But it’s not worth it if all your 8-year-old wants to do is eat KFC. (Yes, this happened on our return journey when it was just the two of us.)
Strategies that work for grown-ups or business travelers might not work for families with kids who like to roam, crave fast food at 4 a.m. and won’t appreciate that free glass of wine for mom.
Had I not prepared or planned anything, I would have wound up watching my kids on their screens the whole time, and ultimately losing my patience.
In the end, a happy child exploring, being creative and playing around with a carry-on at the airport says, “You did all right!”
Fed up with your makeshift workspace on the dining room table? Or maybe that corner desk isn’t sparking joy or productivity like it used to? Whether you’ve just bought a home in Sarasota, FL, and are designing your first home office from a clean slate, or you’ve been working in the same office since the early days of the pandemic after moving to Katy, TX, and never truly made it your own, now is the perfect time to make a change. If your home office is due for an upgrade, you’re in the right place.
We’ve gathered insider advice from experts to help you create a space that isn’t just about function—it’s about comfort and personal style too. Get ready to take notes on this Redfin article as we delve into color theory, ergonomics, strategic placement, and even the art of decluttering. These expert-approved tips and tricks will guide you in designing a home office that’s not just practical but also a space you’ll love to work in. So, let’s roll up our sleeves and start creating your dream workspace.
1. Revamp your home workspace by reflecting on past experiences
“Think back to workspaces you’ve either worked in or visited in person and use them as a planning tool,” recommends The Order Expert. “What did you find unappealing about the layout, surroundings, environment, lighting, or furniture? Once you’ve identified these characteristics, you can flip things around to your personal tastes and preferences. For instance, if you find cool lighting too harsh, you may want to choose warm lighting in your home office.”
2. Practical tips and accessories that will help you master the art of focus
“A visible sign to let your housemates know you are in the focus zone or doing deep work is crucial. Use a door hanger to indicate that you can’t be interrupted,” recommends Marcey Rader. “Remember, you can’t be in focus mode all day. Take down the sign when you’re doing lighter work.
Standing signifies ‘work,’ while sitting suggests ‘leisure.’ Invest in a standing desk and alternate between sitting and standing throughout the day to prevent glute amnesia and optimize your focus. An essential accessory for standing is an anti-fatigue mat.
Consider getting a whiteboard to list your top priorities for the day. Opt for a double-sided rolling whiteboard that you can easily move around and put away, or use whiteboard decals cut to size without leaving holes in your wall.”
3. Incorporate color to enhance mood and productivity
“When it comes to designing a home office to boost your productivity, use color as a tool to set the atmosphere for your ideal workday,” suggests Simplish. “Colors are coded with unconscious messages and have a proven impact on your mood, indirectly influencing your actions throughout the day.”
“Color theory and the strategic use of color play a crucial role in creating an environment that fosters focus and enhances productivity. For example, cool blues and greens can promote a sense of calmness and concentration, while pops of energizing colors like yellow or red can stimulate creativity and motivation,” says Sims & Co Interior Design. “By harnessing the power of color, we can customize a home office to provide personalized inspiration.”
4. Avoid built-in desks in your home office setup
“Avoid built-in desks as they are often difficult to modify and can be ergonomically unsound,” urges Dr. Scott Leaderman from Ergonomics Doc. “This is especially important when sharing a desk with someone, as even a slight difference in height can significantly impact ergonomics and comfort. Consulting an ergonomic specialist to help find the perfect desk is an excellent way to ensure your workstation is comfortable and efficient.”
5. Add in some personalized art and photos
“Enhance the ambiance with art and meaningful photos on the walls. Adding splashes of color throughout the room can create an inviting atmosphere. Opt for artwork that incorporates colors other than blue and white, as the goal is to surround yourself with hues that differ from the blue tones emitted by computer screens,” recommends Dr. Leaderman.
6. Make your home office set up in a strategic location
“Location matters. Choose a quiet area of your home with minimal distractions for your home office. Ideally, the space should have ample natural light, good ventilation, and most importantly, avoid placing your desk facing East or West. Direct sunlight while working can intensify eye fatigue,” says Dr. Leaderman.
7. Embrace minimalism in your desk setup
“Our desks often succumb to clutter, which studies reveal increases cortisol (the stress hormone) and hampers focus. Thus, a minimalist desk proves highly effective. A minimalist desk consists of essentials: computer, monitor, keyboard, mouse, notepad, writing utensils, and a beverage,” says Alexis Haselberger, a personal coach for time management, productivity and stress-reduction.
“While other desk items may be necessary, keeping them in drawers, cabinets, or boxes promotes better concentration, ultimately saving time in the long run. Moreover, when envisioning an ideal home workspace, incorporating multiple seating areas adds variety and boosts productivity. Assigning different tasks to different areas adds a refreshing change of scenery. While a desk serves well for most work, having a cozy couch or soft chair offers a pleasant alternative. For instance, I find my creativity flourishes on a couch, whereas I revert to my desk when I require multiple monitors.”
8. Strive for a balance between aesthetics appeal and functional efficiency
“In my dream workspace, I would have a clean-lined, spacious desk with impeccable wire management. Wires hanging off my desk would be the last thing I want to see in this serene setting. My office must feature two chairs positioned in the front and back of the desk to accommodate guests. A snappy leather swivel chair on casters becomes a necessity for easy mobility and quick access to my file drawers,” shares Sarasota Chic Interiors.
“In addition to the desk, a complementary credenza equipped with file drawers and storage for photo albums adds to the functionality and aesthetics of the space. To display accessories and showcase my collection of books, a free-floating tall bookcase with LED lighting becomes a focal point. A plush area rug with accent colors would grace the floor, providing a soft surface for my bare feet while ensuring it remains thin enough for effortless movement of my swivel caster chair.
To enhance the ambiance, I envision large-scale wall art on one side and a decent-sized TV on another, serving both as an entertainment source and a multipurpose monitor. Recognizing the importance of lighting, I recommend incorporating an LED desk light for focused illumination and a stylish chandelier that not only adds visual appeal but also provides extra brightness.
In terms of accessories, consider adding a leather pencil holder, a desk blotter, a paperweight, a magnifier with a letter opener, and lastly, Alexa to play your favorite tunes, adding a touch of convenience and personalization to your home office experience.”
9. Incorporate relaxing elements into your home office design
“The foremost consideration in designing your home workspace is to ensure it reflects your unique personality and exudes a sense of relaxation. Since you are the sole occupant of this space, it should be a comforting and inviting extension of yourself,” recommends Zachary Luke Designs.
“Opting for light-colored walls, positioning your desk to face the window, and placing a cozy rug beneath your feet are excellent choices, in my opinion. Complete the ambiance by adorning the walls with art, as gazing at blank walls all day is hardly inspiring. Embrace the opportunity to personalize your space, making it a true reflection of your identity and an environment that encourages productivity and enjoyment.”
10. Eliminate distraction and clutter
“Good design starts with removing all that does not support it. Both productivity and comfort in your home office stem from the elimination of distractions and excess,” says SJ Sallinger Designs. “Begin by discarding unnecessary paperwork and disposing of old electronics. Let go of furniture and items that occupy valuable space without contributing to your success.”
Save more, spend smarter, and make your money go further
It’s “National Splurge Day!” People who normally live modestly are encouraged to relax their boundaries and indulge in things they normally forgo. Yes, it’s one of those arbitrary holidays that someone just made up, but it’s actually a good excuse to address the topic of splurging.
I know what you’re thinking. “What the heck, Mint? You’re the place I come to for help with saving money.”
Hear me out. During the last few years I have learned that building money into my budget for little (and occasionally big) indulgences is a healthy way of keeping myself on track with my saving. It’s one good way to battle “frugal fatigue” and prevent myself from making foolish purchases on the days I’m sick of worrying about every penny all the time.
The occasional splurge approach works not only with money, but with other things we deny ourselves. My favorite splurge is taking a couple extra hours in my day for a spa pedicure, and ending with a donut. That’s indulging in time, money, and calories all in one! But a splurge might look very different to you.
Maybe there is really no room in your budget for a splurge today, but you can start preparing by putting some money aside for one in the future. If you do have some wiggle room, here are some suggestions for responsible splurging.
Fix what’s broken
Do you hate your clanky, energy-inefficient refrigerator/washing machine/dishwasher? Do you keep saying to your spouse “We really need to replace our pathetic window screens/beat-up mailbox/chipped paint job?” Are you putting off that car repair that will eventually make the difference between having a working car and taking the bus? Pick even one of these and take care of it. You’ll feel a whole lot better.
Invest in yourself
Check out local deal offers like Groupon or Living Social for discounts on gyms, art studio events, or tuition for extended learning centers. While the cost might be a splurge, the new physical fitness, artistic ability, or knowledge you gain from these classes will stay with you and increase your quality of life.
Buy some time
A very busy friend of mine likes to say that “throwing money at a problem” isn’t always a bad idea. Have a TaskRabbit or virtual assistant take care of your errands or data entry and use the saved time to do something for yourself. Pay a babysitter and go out with friends or significant other, whom you never see because you’re working and taking care of other people. Save time on meal planning by paying someone else to do the thinking for you.
Start the process
Take a bite out of a bigger splurge by setting some money aside toward the vacation that will satisfy your wanderlust or recharge you. Or finally pursue that elective medical procedure that could make your life easier: laser eye surgery, physical therapy for your aching back, even braces. Do you have a health savings account sitting around with a balance because everyone in your family is healthy? First, count your lucky stars, and then look into using your balance toward a procedure. If it’s a Flexible Spending Account, you have to spend the money by year end or you lose it, so you might as well use it for good, right?
Buy some happiness
I know that going to the movies with my kids makes all of us happy, but I almost never do it because the cost can be $40 for three tickets alone! We only go to the movies a few times a year, but when we do, the experience is fun and special. I go all out: the kids can choose any snack and drink, and we try to get to the theater early so they get their pick of seats.
What makes you happy? I hope you find a way to splurge on yourself, if not today, then when it works for your finances. It’ll make budgeting that much more rewarding.
Kim Tracy Prince is a Los Angeles-based writer who has a husband and two little boys. She often dreams of splurging on a nap and a margarita, not necessarily in that order.
Save more, spend smarter, and make your money go further
Have you ever misplaced your car keys inside an Old Navy bag stuffed with bras you couldn’t bear to have smooshed so you packed them with oranges that went rotten before you found them—the keys, that is. Well, and the oranges. We’re not even going to talk about the bras.
MOVING MAKES YOU CRAZY FOR A REASON.
Even if you move because you’ve found a situation you prefer over your old one, you are not exempt from the crazy.
It’s just a matter of which type you are.
The Procrastinator
Checklist, shmecklist. You spend 90% of your time on a problem that’s 10% of what’s important. On deadline, you pull all-nighters like a dentist pulls teeth—which leaves holes in your sanity.
If this is you, try:
Setting aside chocolate chips or Andes mints—something small to be used as a daily reward. Be sure to reward yourself often. Studies show positive encouragement—even from yourself—is the surest way to motivate. Try writing down each task you accomplished, creating the opposite of a to-do list. It’s a GOT-DONE list.
Organize your time by postponing work in a strong area until you take a baby-step in a weak area. For example, say you’ve packed the den, but can’t face the phone calls needed to book your moving day personnel. Don’t allow yourself to pack the garage until you at least get the truck reserved. Use a simple printable checklist for moving.
Be aware of time passing. Procrastinators enjoy focusing on tasks deeply, until time “stands still.” Um, except that three hours just slipped by. Set timers. Have a daily countdown until The Big Day.
Dude, you’re a procrastinator. Factor that in to your estimates of how long each task will take. It’s okay. It’s part of loving yourself the way you are.
The Pack Rat
In our early 20’s, my husband and I moved from a studio apartment to a duplex, and I thought my storage problems were over. Wrong. When we later moved into a small home, I thought the same thing. Wrong again. The storage space was not the problem. We were the problem. If we have 120 linear feet of shelf space, we acquire 180’s-worth of things within seconds of entering the door.
If you buy stuff routinely (you do) but don’t get rid of stuff routinely (semi-annually at least), you have a hoarding problem. Owning too much overloads your working memory, kills your processing-speed, and basically makes you batty. Here’s the low-down:
Moving forces you to face your clutter. This is good! It may seem overwhelming, but items entered the house little by little and they leave the same way. Try visiting a blog with home organization tips.
If possible, don’t pack yet. Instead, start in one room and sort items into:
Trash
Give-away
Critical items (items you need daily, like shoes and toiletries)
Short-term storage (items that can stay packed during the moving process, like books)
Long-term storage (items already considered storage, like Christmas decorations)
As you sort, think like a retail store does. We all know time is money, but stores know space is money, too. Customers demand a navigable space where products are accessible. Before a store can stock more items, it must purchase more shelf-space, and that means paying a higher lease at a bigger store. The same is true for your new home. The cost of your home per square foot is hundreds of dollars. It dwarfs the replacement cost of a pair of lacrosse shoes you haven’t worn since middle school.
When sorting is complete, remove trash and give-away items from your home.
Gather critical items together.
Pack short-term storage into boxes.
Spend a few hundred dollars buying matching plastic storage bins for all long-term storage items. They act as moving boxes and keep you organized once you’ve moved in. Double bonus.
The Crisis-Mover
Sudden moves brought on by death, divorce, eviction, job loss, or other negative events can create a genuine crisis. If you find yourself in this camp:
Breathe. Life happens.
Assemble help.
Ask for specific favors. You may balk at asking a neighbor to watch your kids day and night for a week, but being proactive about getting your family into a stable situation helps everyone. Don’t wait for the situation to deteriorate further.
The more people you assemble to help, the less you fatigue any one person. Look to churches and youth service groups. Put out calls on social media.
If you are able to, provide treats or food to volunteers. And say thank you!
Ditch doing things “right” and get through the move.
Schedule a moving truck and assemble volunteers.
Throw away obvious garbage and pack everything else. You’ll go through it later.
On moving day, have boxes and/or large, sturdy garbage sacks for volunteers to use in moving you. Lack of container-space is the bane of sudden moves.
Once in your new place, use check a list like this one to get after those stray to-do items, such as switching your utilities and forwarding your mail.
The move is over, and it’s time to take steps to ensure you’re able to stay on your feet. Give back to your friends and family where possible. It’s empowering to be on the other side of giving. And you could use some bold moves after your crisis-move!
The Stress Case
You are a list-maker. You list-make in the shower and during family meals and in bed at 4 a.m. and at 5 a.m. and at 6 a.m. and you know you’re less than a minute from a panic attack at all moments and STOP AND READ THE STEPS ALREADY.
Get proper rest. Put the list aside in time to unwind for the night. Try meditation.
Pay attention to your emotional and mental health. Make a check box for daily happiness, setting aside at least a half an hour. Try to focus on social things, like playing with your toddler or meeting a friend for lunch.
Use a robust checklist for moving that does much of your thinking for you.
Plan to experience failure. Will you forget something during the move? Absolutely. Something really, really important? YES! Okay, maybe not, but even if you do, you’re capable. You can fix these problems—and fixing them is much less effort than you would spend stressing about every what-if.
So . . . which crazy do YOU need to conquer? No matter what it is, don’t forget the final step of every moving-day checklist: make sure to enjoy your new home! To save money while you buy or sell homes, visit our Buy Any Home page or sign up to sell with Homie today.
Now that Tarek and Heather El Moussa have joined forces in holy matrimony and in the business of flipping homes and in starring on their own show, “The Flipping El Moussas,” we figured it was only a matter of time before they took the next step that all reality star couples take.
Can you guess? They’ve embarked on selling their own line of home decor.
Pretty much all big-name reality TV stars hawk their own products, of course. Chip and JoannaGaines peddle home accessories galore at Magnolia and Target. Property brothers Drew and Jonathan Scott launched a furniture line at Living Spaces. Dave and Jenny Marrs of “Fixer to Fabulous” have a slew of outdoor wares at Walmart. Even Tarek’s ex-wife, Christina Hall, has her own bracelet line. In short, the list of celebrity-endorsed products is nearly endless.
So it stands to reason that the El Moussas would also enter into the fray. Yet while I was excited to check out their offerings, I have to admit I was somewhat underwhelmed.
Is Tarek and Heather El Moussa’s home decor line a flop?
Home by Tarek & Heather currently offers only four products: two candles priced at $38, one candle priced at a jaw-dropping $249, and a dispenser of hand soap for $16.
All “smell lovely,” says Heather in a promotional video.
Apparently, these four products are just the start, with more to come—at least according to the second episode of their show, when Tarek and Heather were celebrating the arrival of some samples. They are not only sniffing candle scents, but also plumping pillows and nuzzling what looked like whisper-soft throws.
Tarek describes their new line: “In all of our flips, we’re going to put in candles, we’re going to do floor mats, rugs, maybe blankets, like homey stuff. Like comfy rugs and pillows.”
“So when people walk in, they know it’s a home by Heather and Tarek—er, Tarek and Heather. Sorry,” Heather says with a laugh.
I’m sure I wasn’t the only one who immediately wanted one of those throws. Given my anticipation, I was sorely disappointed to scour their website with nary a throw in sight—just four freaking products, one of them a $249 candle.
Could they have been overly eager to get to market, or just painfully naive about marketing home products? Tarek is known for selling homes, but selling home decor is a whole different game.
To find out what they might have been thinking, I reached out to consummate branding and marketing expert Klint Briney, founder and CEO of BRANDed Management. His company has worked with celebs, including Ed Sheeran, LeAnn Rimes, Mariah Carey, and Mark Cuban among others.
I asked him why the El Moussas launched so few products right out of the gate—shouldn’t they have waited until they had more to offer? Briney thinks not.
“By entering the saturated market of celebrity brands and home goods, a more risk-averse approach would be to initiate a small launch to test the market,” Briney says.
In other words, less is initially more when it comes to these lines.
“They chose two hero products that are both gender-neutral, accessibly-priced, and shelf-stable,” Briney continues. “In a time when most Americans struggle with decision fatigue, fewer offerings can often initiate higher conversion rates, as they are not bombarding the consumer with too many choices.”
I heard that. When I do a search on Amazon for one specific product and get 20 pages of results, I am usually overwhelmed by the choices and hold off on my purchase.
Tarek and Heather’s products haven’t been picked up yet by big-box stores like Target and Walmart, where their contemporaries have a presence? Is that a bad sign?
Not really, according to Briney.
“It appears they are taking a more targeted and narrow approach upon launch, as it is critical for them to ‘win their own backyard’ before employing a more large-scale, blanketed rollout,” Briney continues. “Their items are strategically branded Newport Beach and Los Angeles, the two markets they work and reside in. This sort of data is great presentation material when meeting with mainstream retailers, which often leads to better terms.”
In other words, you start out small and targeted, prove your work in a niche area, then your business offers a lot more value to a big-box store.
“They can learn a lot by the recent acquisition of Aussie brand Aesop,” Briney adds. This producer of skin, hair, and body care products was recently “acquired by Loreal for $2.5 billion, the largest in company history.”
If they’re lucky, Tarek and Heather, after starting with a few candles and some hand soap, could end up with a billion-dollar deal with a major international corporation.
“In an era of cancel culture and the fast rise and fall of most celebrity careers, the fact that Tarek has had a show in production over 10 years, along with reinventing himself after a high-profile divorce, shows his marketplace viability,” Briney concludes.
Forget the throws. Maybe instead I should buy stock in the El Moussa company.