Colorado Springs is one of the most breathtakingly beautiful places in the country — if not the world. It’s no wonder, then, that so many people want to call this great city home. In fact, nearly 4,000 people moved to Colorado Springs in 2021 alone, an upward trend the city has experienced since 2019.
But it’s not just the beauty of nature (hello, Pikes Peak!) that brings tourists and new residents alike to the area each year. Colorado Springs provides a relaxed atmosphere, a strong sense of community, clean air and exquisite dining and entertainment opportunities. Colorado Springs — and the state of Colorado itself — are also well-known for being extremely health conscious.
If these qualities appeal to you, then you should definitely consider finding an apartment for rent in Colorado Springs. And that leads us to another perk of living in this awesome city — affordable housing. While the overall cost of living is around 3.4 percent above average, rental prices are dropping (by nearly 25 percent in the past year). It’s the perfect time to start looking for an apartment here, but where should you live in Colorado Springs?
Where to live in Colorado Springs, CO
This city has numerous neighborhoods that would fit the needs of many new residents. But what neighborhood is right for you? We want to make the choice of where to live in Colorado Springs easy, so you can take out our interactive quiz to find your ideal neighborhood!
Who’s coming with you?
Which one neighborhood characteristic can you not live without?
What’s your idea of quality downtime?
Which of these best describes your current life stage?
Your personal style could be best described as:
Which of the following is most important to you in choosing an apartment?
Where to Live in Colorado Springs
Downtown
Downtown Colorado Springs is unlike most larger neighborhoods. You won’t find looming skyscrapers that impede your view of the natural beauty of the area. The downtown area is ideal for people who like to live close to work or like more hustle than the suburbs can provide. If you’re a single, young professional or you and your partner want to walk to great restaurants and entertainment, this is the neighborhood for you. During the winter months, park officials of nearby Acacia Park set up an ice-skating rink with loudspeakers that play holiday music. You’ll feel like you’re in a Hallmark Christmas movie. And while there’s a strong sense of history in this neighborhood, there are urban developments and renovation projects that add to the neighborhood’s appeal.
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Briargate
Image Source: Crowne at Briargate
This neighborhood is part of one of the best school districts in the county. The schools, the quiet of the suburbs and the fun outdoor activities make it a wonderful place to raise your little ones. Briargate is also home to many military families due to its proximity to Peterson Air Force Base. But it’s not all about the kids. There’s something here for every member of the family, including the fun outdoor activities like those available at John Venezia Park. You can picnic, play soccer or go hiking. There are also several great shopping centers, as well.
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Old Colorado City
Image Source: 1315 W. Colorado Ave
Situated on the west side of Colorado Springs is one of the oldest, most charming parts of the city. Developers built Old Colorado City in the mid-1800s and in many areas, you can’t tell that anything has changed since then. Homes on the historic registry line the streets. The nearby Ghost Town Museum takes you back in time to the Wild West. Many families live in, and businesses operate out of, old Victorian homes, giving this neighborhood even more charm. High-scale shopping, entertainment and dining are nearby, as Downtown Colorado Springs is less than three miles away.
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Pikes Peak Park
Pikes Peak Park is ideal for people who love the great outdoors and animals. There are multiple parks and green spaces for families and their pets to play, including Van Diest Park and the Leon Young Youth Sports Complex. The neighborhood itself is large and sprawling. While you can find some modern apartment complexes in the area, you’ll also find a high number of single-family homes. Residents here appreciate the gorgeous views of Pikes Peak and Cheyenne Mountain, as well as the mature trees that add to the beauty of the neighborhood.
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Norwood
Image Source: 3919 Diamond Ridge View
This small, mountain town has plenty of wide-open spaces to roam around and explore. Some of the outdoor fun includes fishing, hunting, biking, hiking and skiing. Residents here say one of the main things they appreciate about Norwood — aside from the natural beauty, of course — is their neighbors. Norwood is home to some of the nicest people you’ll ever meet. Norwood is a small neighborhood with a grocery store, bank, gas station, a medical and dental clinic and some churches. But there are also some great dining opportunities, as well. For example, Norwood residents are over the moon about I-Cool Thai Ice Cream Shop, Edelweiss German Restaurant, Bada Japanese Restaurant and Frankly Coffee.
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Broadmoor
Image Source: 17 Alsace Way
Broadmoor has plenty of opportunities for hiking and biking, whether you just love spending time in the great outdoors or you’re looking for fresh ways to stay in shape. This neighborhood is also home to The Broadmoor, a resort and hotel that’s one of the largest and most luxurious in the state. It has 10 restaurants and numerous shops on-site. The Broadmoor has been the temporary resting place of celebrities over the decades, too. The building, which is over 100 years old, is truly a sight to behold, making this a top tourist destination.
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Northgate
Image Source: 1352 Lookout Springs Dr
Northgate is about 14 miles away from Downtown Colorado Springs, but the commute is much faster and easier due to the close proximity to the interstate. The neighborhood boasts movie theaters, great restaurants and plenty of green spaces. You’ll find some great shopping centers, as well. Several brewpubs, cafés and international restaurants feed the residents of Northgate, too. Like Briargate, the upscale neighborhood of Northgate is within the bounds of one of the top school districts in the county, making it a great place to raise your kids.
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Ivywild
Image Source: Elevate Apartments
Ivywild, a neighborhood in the southern part of Colorado Springs, is one of the city’s oldest working-class communities. The suburban neighborhood is primarily single-family homes and medium-sized apartment complexes. Since 2011, developers have started renovating older buildings and plan to renovate and build new structures until at least 2036. Ivywild has a fun, quirky personality. The Principal’s Office is an artisan coffee and cocktail bar located in an old school. You’ll also find multiple pubs, cafés and shops, including the Oak Whiskey House.
Find Apartments in Ivywild
Rebecca Green is a content editor and writer for RentPath. She enjoys interior design, dogs and can tell you where to find the best pizza in Brooklyn. You can see some of her other published work on Apartment Guide.
Situated on the Pacific Ocean coastline, San Diego is a dream destination for beach lovers and outdoor enthusiasts alike. With a year-round Mediterranean climate, visitors and residents can expect pleasant weather to accompany them on the various adventures the city has to offer. From museums and zoos to beaches and parks, San Diego’s diverse attractions cater to a wide range of interests.
Whether you’re exploring the historic Gaslamp Quarter, catching a Padres game at Petco Park or simply soaking up the sun at La Jolla Cove, San Diego’s unique charm extends far beyond its average salary figures, making it a place where quality of life and experiences are truly priceless.
Choosing where to live, is a little bit more of a complicated decision beyond interests and entertainment opportunities. With the average salary of San Diego sitting around $69,288, it prompts us to break down the cost of living in San Diego and what you can truly afford should you choose to live in this vacation-esque city.
Rent
Rent prices in San Diego range from $2,358 for a studio apartment to $3,765 for a two-bedroom apartment, making the median monthly rent around $3,061. 30% of your income should be allocated for housing, money-saving experts recommend. Our rent calculator, after inputting the salary of $100,000, determined affordable rent to be around $2,500, applying the savings tip.
Transportation
A huge consideration when determining where to live is transportation. Whether you’re commuting to work or venturing out into the social scene, it’s important to know the best ways to get around. The San Diego Metropolitan Transit System provides bus and trolley services across San Diego County and will run you an annual total of $864.
Food
Residents of San Diego aren’t short on food options. This city’s cuisine offerings range from authentic Mexican eats all the way to delicious pizza in Little Italy, with food trucks and farmers markets in between.
Groceries, for an average San Diego family, costs $6,264 annually but most families mix dining in with dining out. The average spend on dining out for a family in San Diego is $4,299 rounding out the total average spent on food $10,563.
Entertainment
Entertainment and other activities are vast in this beach city. Between concerts, beach days, sporting events and social activity hotspots, your free time opportunities are boundless.
On average, visitors and residents spend $48 a day on various activities. Goods and services in San Diego cost 10 percent more than the national average, but are absolutely worth the investment for personal and social growth.
Everything else
“America’s Finest City” has great offerings where spending and prioritizing are flexible to fit your budget with a $100,000 salary. However, the cost of life is a little less flexible if you’re right around the average salary in San Diego, which is again, just below $70,000 per year.
Keep in mind healthcare, taxes and other personalized costs you have to budget for. Sales tax in San Diego is 7.75 percent and the average healthcare costs are 7.2 percent above the national average. Making sure to remember these costs and tacked-on spending is important for saving.
San Diego job market at a glance
San Diego’s largest industries include tourism, technology, healthcare and military, with the U.S. Navy and Marine Corps holding the spot of the area’s largest employer. The job market has scored a 6.7/10 on U.S. News’s job market index, meaning it’s a healthy job market especially when compared to other cities of its size.
The other end of the job market spectrum is understanding the unemployment numbers. San Diego’s unemployment rate has risen a small bit over the last year with it currently sitting at 3.9% where it was at 3.4% last year. The U.S. unemployment rate is 3.8% meaning San Diego sits right alongside the national rate.
Settle down in San Diego
While it’s true that San Diego offers a vibrant lifestyle with numerous amenities, the cost of living can quickly diminish your income. To make the most of a $100,000 salary (or less) in this beautiful coastal city, individuals and families need to budget wisely, prioritize their spending and consider alternative strategies like investing and prioritizing what’s important.
If you’re looking to thrive in San Diego and strike the right balance between financial stability and enjoying all that this unique city has to offer, start and end your search with our list of apartments for rent.
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
VA disability pay rates in 2023 range between $165.92 to $4,295.92 a month. The Department of Veterans Affairs (VA) publishes the rates annually. The severity of the disability and family circumstances can affect the rate. A claim takes 104.1 days on average to complete
.
The veterans disability compensation programs gives qualifying veterans a tax-free monthly payment to help them financially
. The program supports veterans who were disabled or had a condition that was made worse during military service.
Here’s how veterans disability payments are calculated, how to determine how much you might receive in benefits and how to apply for VA disability.
How are VA disability compensation rates calculated?
The VA calculates a veteran’s disability payment by considering three factors:
The severity of the veteran’s disability.
The number and types of dependents the veteran has.
Whether a family member qualifies for Aid and Attendance benefits.
VA disability payments start with a base rate, which rises with the severity of the disability and the types of dependents
. The VA then adds extra money to the base rate if the person’s spouse qualifies for Aid and Attendance benefits, or if the veteran has multiple dependent children.
Severity of the disability
The VA assigns a disability rating to a veteran after reviewing evidence submitted as part of the benefits application or from military records. The VA requires applicants who don’t have enough medical evidence to support their claims to have a compensation and pension exam — sometimes referred to as a C&P
. This exam confirms that a disability is related to military service.
Disability ratings are assigned as percentages. Specifically, disability ratings rise in 10% increments up to 100% (fully disabled). The percentage represents how much the disability decreases the veteran’s overall health and ability to function.
🤓Nerdy Tip
Veterans who have more than one qualifying disability get a combined disability rating. This rating is not as simple as adding the disability percentages together. For example if a veteran has one disability rated at 50% and a second disability rated at 30%, the combined rating is not 80%. The VA determines a combined disability rating, which it then uses to calculate the monthly payment.
Number and types of dependents
The VA adjusts disability rates for veterans who are financially responsible for a spouse, children or parents in any combination. The VA requires proof of their financial dependency.
A spouse is anyone you have legally married, including someone of the same sex as you. The VA recognizes common-law marriages as well
.
To claim a child as a dependent for VA disability, the child can be biological, adopted or a step-child. Dependent children must be one of the following:
Under 18 years old.
18 to 23 years old but unmarried and enrolled full-time as a student.
Deemed permanently disabled before turning 18.
Aid and attendance status
Certain family members of qualifying veterans are eligible for Aid and Attendance if they:
Require assistance to perform daily care activities such as bathing, preparing food and taking medication.
Live in a nursing home because of physical or mental incapacity.
Are bedridden.
Have 5/200 visual acuity or less in both eyes with glasses or contacts.
Have a concentric contraction of vision to 5 degrees or less.
Aid and Attendance is available for the:
Spouse of a living veteran.
Surviving spouse of a deceased veteran.
Permanently disabled children over age 18 who became disabled before turning 18.
Surviving parents that already receive Parent’s Dependency and Indemnity Compensation.
If a veteran’s family member qualifies, the VA tacks on an additional amount to their monthly payment.
2023 Veterans Disability Rates
Veteran disability rates are paid monthly. Because they follow the cost-of-living allowances Social Security applies to its benefits, every time Social Security benefits are recalculated to account for inflation, veteran disability rates change as well. This means that veteran disability pay rates can differ from year to year.
There are two categories of veteran disability pay rates: those for unmarried veterans and those for married veterans. Within each category, the combinations of disability rating and different types and number of dependents determine a veteran’s monthly payment. Because married veterans receive higher rates than unmarried veterans, it is important to double-check that you are looking at the correct table when looking up your rate.
VA disability rates for unmarried veterans
VA disability rates for married veterans
Additional amounts
Veterans with spouses who qualify for Aid and Attendance benefits, and veterans with more than one dependent child get additional funds each month.
Extra funds for spousal Aid and Attendance
Extra funds for additional dependent children
Examples of calculating monthly VA disability payments
Some monthly payment calculations will be more complicated than others, especially those where a veteran has several dependents. The three example scenarios below are calculated using the amounts in the tables above.
Example 1: Unmarried veteran with dependent children and a dependent parent
John has a disability rate of 40% and is unmarried. He has shared custody of three children, and his dad lives with him. Two of his children are under 18, and one child is over 18. His disability payment is calculated as follows:
Base rate: $849.86
Additional child under 18: $40.00
Additional child over 18: $129.00
Total: $1,018.86
John’s base rate is for a veteran who has one child and one parent as a dependent but no spouse. Because one child is included in the base rate, he can only claim the additional amounts for two children. The two children have different rates because one is under 18 and the other is over 18. No additional amount is provided for his dad, because he is included in the base rate.
Example 2: Married veteran with one child
Leanne has a disability rate of 80%. She is married with one child under 18. Her husband does not qualify for Aid and Attendance.
Base rate: $2,212.15
Total: $2,212.15
Leanne’s rate is only her base rate without additional amounts, because her husband and child are included in the base rate.
Example 3: Married veteran with spouse who needs daily assistance
Sarah has a disability rating of 30%. Her wife requires medical aid to help with daily activities when Sarah is not at home, which qualifies her for Aid and Attendance. Her wife has one child under 18 from a previous marriage.
Base rate: $612.05
Aid and Attendance: $56.00
Total: $668.05
Sarah’s base rate includes her wife and her step-daughter. Because her wife qualifies for Aid and Attendance, Sarah receives an additional amount that is also based on her disability rating of 30%.
How to apply for VA disability compensation
If you believe you are eligible for veteran’s disability pay, you’ll need to file a claim for Veterans Affairs to review. Here are the steps to apply.
Decide on an application method. You can submit your application online, by mail, in person at a VA office or with the help of an accredited representative. If you are submitting your claim by mail, you’ll need to download VA Form 21-526EZ and fill it out. Regardless of which method you use, you’ll need to submit supporting documentation. If you need help filing the application and supporting evidence, you can call your regional VA office to ask for assistance.
Gather documentation to support your application. This can include medical records from VA or private doctors and hospitals, as well as statements from people who are familiar with your disability. You do not have to submit your supporting documentation with your claim; however, the VA says that sending in all of your documents together with your application can help them work through the process more quickly.
Submit documentation.Once you have all of your documentation together, submit it with your application to complete your claim. If you filed an Intent to File form or submitted your claim without evidence, gather the documentation and submit it to support your claim.
🤓Nerdy Tip
If you do not have all of your documentation together but want to file a claim, use an Intent to File form instead. The date on which you file the claim becomes your effective date and is still active as long as you complete your claim within 365 days of the effective date. You might qualify for backpay.
Frequently asked questions
How long does it take to complete a claim for veteran’s disability?
The VA says that the average time to complete a claim is 104.1 days as of July 2023, which is about three and a half months.
Am I guaranteed veterans disability if I was injured during military service?
No, every claim for VA disability must be reviewed and supported with medical documentation.
Through our consumption of modern media over the years, we’ve had a picture of urban and suburban life painted for us. We’ve witnessed Carrie Bradshaw run through the busy streets of New York City, growing her career and attending social events. We’ve also watched The Simpsons, living as a family in Springfield, with the youngest kids going to school and enjoying the neighborhood life.
While drastically different in plot and purpose, shows like these have influenced the way we view urban vs. suburban vs. rural life. When it comes time to actually decide where to move and which type of area suits your lifestyle, it’s tricky to navigate through your own influences and opinions. We’ve broken down 11 tale-tell signs, saying and truths that can help you navigate the difference and work through your own natural biases about urban vs. suburban living.
Urban, by definition
Urban areas, also known as cities or metropolitan areas, are densely populated regions characterized by high human activity and development. Urban areas are typically the centers of economic, cultural and social activities.
They are also known for their higher population densities, taller buildings, extensive public transportation systems and greater access to amenities. They offer a wide range of job opportunities and cultural attractions, making them hubs of economic and social life.
City examples:
Suburban, by definition
Suburban areas are typically located on the outskirts of larger cities or urban centers. These areas often have lower population densities compared to urban areas, with a greater emphasis on single-family homes, larger yards and local green spaces. Suburbs are known for their relatively quiet and less crowded environment compared to urban centers. People who live in the suburbs often commute to work in the nearby city.
Suburb examples of the above cities:
Urban vs. suburban: 11 giveaways that will tell the difference
Suburban and urban life are very different. And there are some over-arching themes, traits and signs related to each that amplify just how different these areas are. Think you’ll be able to tell the difference? Try to guess what kind of area the person in these scenarios lives in.
1. You can’t remember the last time you had to use your car.
Answer:Urban. One of the benefits of city living is the walkability and access to alternative transportation options. People living in urban areas often rely on railways, trains, cabs, bikes, Ubers and walking shoes to get where they need to go in their day-to-day lives. Cars are unnecessary in these areas and some city residents don’t even own cars.
2. Local businesses are within walking distance to your place.
Answer: Urban, again. Between bodegas, family-owned coffee shops and thrift shops, local businesses are on almost every corner in city areas. The convenience provided by the walkability to all of these types of businesses is a huge draw for potential city residents.
3. You’ve driven an hour or more to a play, but you have the movie theater right around the corner.
Answer: Suburban. Suburban areas, while they may not have a wide variety of entertainment options, typically have chain stores, a handful of local shops, movie theatres, restaurants and parks. To experience larger excursions, like a play or concert, you most likely will have to commute to the nearest city.
4. It’s almost too quiet when you go to sleep at night.
Answer: Suburban. A huge difference between suburbia and urban areas is the noise. Suburban areas wind down as the sun sets, creating a quiet atmosphere for sleep. The most noise suburban residents hear is the buzz of cicadas or weather-related sounds.
5. Getting late-night food a routine staple.
Answer:Urban. Cities notoriously never sleep. Bodegas, food trucks and convenience stores stay open late to specifically cater to this mindset. Whether you’re craving a snack while watching a movie or worked late and need to grab dinner, urban areas ensure your snack venture is quick and easy.
6. Traffic sounds are almost white noise to you.
Answer:While this seems like it could be both, it’s urban. Suburban areas often involve residents commuting to work, meaning sitting in traffic. However, urban areas have traffic noises 24/7, creating a constant background hum of city life.
7. Waze is your most used app.
Answer:Suburban. As touched on before, suburban residents often commute to the nearest city for their jobs every day. This means calculating traffic, taking less congested routes and anticipating fluctuating commute times. Waze, a popular navigation app, is perfect for planning around traffic and getting where you need to go, in as little time as possible.
8. You’re genuinely surprised when you hear a car horn honk, and it’s usually followed by an apology wave.
Answer:Suburban, for sure. City life is absolutely more fast-paced than suburban life. This can influence tempers and patience levels whereas in a slower-paced suburban atmosphere, there’s less rush, more patience and certainly less defensive driving. Meaning suburban residents have little reason to ever use their car horns.
9. Boutique shops are a bit out of reach, but you can count the strip malls within a 5-minute commute to your house.
Answer: You guessed it, suburban. Suburban areas have access to amenities though these are typically chain stores with a few boutiques sprinkled in. Due to the ability to place large businesses that take up more square footage, like strip and outlet malls, residents of suburban areas are sure to find themselves shopping at such stores.
10. You ride the elevator with the same people and have never said more than a few words, if any.
Answer:Urban. We’re all familiar with the term “southern hospitality” and while suburban areas aren’t always southern, they’re friendlier. The fast-paced atmosphere of urban areas doesn’t lend itself to too many unplanned conversations, as people always have places to go and things to do.
11. You can Tetris almost anything in your place.
Answer: Urban, yet again. The packed nature of cities means less square footage in your apartment or rental property. This causes residents to get creative and perfect the practice of playing Tetris with their belongings, furniture and everything else in between.
Urban vs. suburban: not exactly a battle
Both of these lifestyles have a lot to offer their residents, it boils down to personal preference and priorities. Remember, no moving decision you ever make is permanent and it’s worth it to experience what both areas have to offer to truly appreciate the diversity of lifestyles and opportunities available.
Exploring both urban and suburban living can provide insights and enrich your life in unexpected ways. Still in the market for that perfect place, in suburbia or the city? Start and end your search with our list of apartments for rent.
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
When it comes to finding the ideal place to put down roots, West Virginia is a state that often flies under the radar. Offering a singular blend of natural beauty, thriving local economies and rich cultural tapestries make the towns and cities featured below fantastic places to live in West Virginia.
Whether you’re a young professional chasing career opportunities, a family seeking quality education and safe neighborhoods or retirees looking for a peaceful retreat, the Mountain State has something for everyone. Let’s embark on a journey to uncover the unique qualities that make each town below stand out as one of the best places to live in West Virginia.
Population: 29,219
Average age: 24.2
Median household income: $36,991
Average commute time: 23.6 minutes
Walk score: 59
Studio average rent: $442
One-bedroom average rent: $750
Two-bedroom average rent: $742
Morgantown offers a harmonious blend of college-town energy and Appalachian tranquility. Home to West Virginia University, the town hums with a youthful vibe that infuses everything from its trendy coffee shops to its bustling arts scene. The university acts as a hub, drawing in world-class performances, sporting events and academic conferences. At the same time, its healthcare and biotech industries offer solid employment opportunities, making it a stable place to plant roots and raise a family.
Outdoor enthusiasts will never have a dull weekend here. Morgantown is just a stone’s throw away from the Cheat River, offering a playground for kayakers, anglers and hikers. Morgantown is also famous for its Personal Rapid Transit (PRT) system — an eco-friendly public transportation marvel — that whisks residents and students around town with futuristic flair. Affordable housing options, highly rated schools and an array of eateries serving everything from Appalachian comfort food to global cuisines make Morgantown an appealing choice for people of all ages and backgrounds.
Population: 48,018
Average age: 42.1
Median household income: $54,101
Average commute time: 17.1 minutes
Walk score: 33
Studio average rent: $549
One-bedroom average rent: $725
Two-bedroom average rent: $784
As the capital city, Charleston secures its spot as one of the best places to live in West Virginia through a compelling mix of political gravitas and natural beauty. It’s where marbled government buildings stand just a short walk from artisan boutiques and casual eateries. The Charleston Coliseum and Convention Center serves as the heartbeat of entertainment in the city, hosting concerts, sporting events and even the annual state dance festival. Job opportunities are abundant here, particularly in healthcare, education and government, making it a prime location for career-driven individuals and families alike.
Even if you’re not into politics or live shows, Charleston knows how to keep its residents engaged. The Kanawha River snakes through the city, providing a waterway for boating or a scenic backdrop for an afternoon jog. An appealing blend of modern amenities and a serene Appalachian setting make Charleston an irresistible place to call home.
Population: 46,025
Average age: 35.6
Median household income: $33,012
Average commute time: 17.9 minutes
Walk score: 49
Studio average rent: $690
One-bedroom average rent: $750
Two-bedroom average rent: $1,050
Huntington presents an engaging mix of academic excellence and industrial strength. This riverside town is home to Marshall University, an institution that contributes not just educated graduates, but also a youthful energy that permeates the city. You’ll find eclectic shops, buzzing cafes and a range of art galleries, thanks to this infusion of student spirit. Huntington is also a working town with deep roots in manufacturing and healthcare, providing diverse employment prospects for its residents.
Ritter Park is a community favorite, with trails for runners, gardens for botany enthusiasts and playgrounds for the little ones. The Ohio River provides an inviting setting for a variety of water activities, from fishing to boating. On the food front, Huntington surprises with a diverse menu of options that defy its small-town status, offering everything from classic American fare to sushi bars. Top-notch schools and community-centered events like the annual ChiliFest round out Huntington’s appeal as a hometown with both heart and hustle.
Population: 26,568
Average age: 43.9
Median household income: $43,483
Average commute time: 18.9 minutes
Walk score: 37
Studio average rent: $620
One-bedroom average rent: $745
Two-bedroom average rent: $910
Wheeling stakes its claim as one of the best places to live in West Virginia by elegantly blending its rich history with a dynamic present. As a gateway to the West in the early days of America, this city has a storied past visible in its Victorian architecture and historic sites like the Capitol Theatre, a 1928-built venue that still hosts shows today.
When it comes to recreation, Wheeling doesn’t skimp. The Ohio River offers ample opportunities for boating, fishing and scenic picnics. The Wheeling Heritage Trails system provides miles of well-maintained paths for bikers, runners and anyone looking to enjoy the outdoors. On weekends, residents flock to the Wheeling Artisan Center to shop for local crafts or head to Centre Market to enjoy quality food with a side of live music. With its strong sense of community, excellent school system and plentiful entertainment options, Wheeling is the sort of place that wins you over and convinces you to stay for the long haul.
Population: 9,257
Average age: 45.2
Median household income: $87,936
Average commute time: 16.9 minutes
Studio average rent: $610
One-bedroom average rent: $620
Two-bedroom average rent: $740
Bridgeport doesn’t just make the list, it shines brightly as one of the best places to live in West Virginia, thanks to its top-rated schools, booming economy and family-friendly atmosphere. This growing city is a hub for the aerospace and healthcare industries, drawing in professionals and families with its promise of well-paying jobs and a high standard of living. Those eager to ascend the corporate ladder will find companies like Pratt & Whitney and United Hospital Center offering a plethora of career opportunities.
Beyond its corporate and educational accolades, Bridgeport is a town that knows how to kick back and enjoy life. Options for recreation abound, from golf courses that would delight even a PGA pro, to the sprawling Bridgeport City Park with its sports fields, hiking trails and summer concert series. Add to this the appealing mix of dining options — everything from old-school Italian joints to modern farm-to-table experiences — and you’ve got a city that satisfies every palate. Combining a robust economy with a laid-back lifestyle, Bridgeport truly offers the best of both worlds.
Population: 18,209
Average age: 34.2
Median household income: $47,618
Average commute time: 24.1 minutes
Walk score: 40
Studio average rent: $830
One-bedroom average rent: $840
Two-bedroom average rent: $1,050
If you’re looking for small-town charm with big-city conveniences, Fairmont effortlessly earns its spot as one of the best places to live in West Virginia. Fairmont is a hub for technology and education, serving as the home for Fairmont State University, which not only educates but enriches the community through cultural and sporting events. Job seekers will find a range of opportunities in healthcare, education and technology. But Fairmont doesn’t lean solely on its academic and economic credentials; it also has a thriving arts scene, featuring galleries, theatres and even a symphony orchestra.
Fairmont sits along the Tygart Valley River, providing ample opportunities for fishing, kayaking and enjoying serene waterfront views. The local parks are generously dotted with playgrounds, skate areas and baseball fields, ensuring that families have ample space to spread out and play. Foodies can explore an array of culinary delights, from mouth-watering pepperoni rolls right from the Fairmont bakery where they first came to life — The Country Club Bakery — to upscale dining experiences. Coupled with affordable housing and a strong sense of community, Fairmont proves that you can indeed have it all.
Population: 1,494
Average age: 21.2
Median household income: $53,125
Average commute time: 17.2 minutes
Studio average rent: $830
One-bedroom average rent: $840
Two-bedroom average rent: $1,375
Anchored by Shepherd University, Shepherdstown easily ranks as one of the best places to live in West Virginia. As the oldest town in the state, it exudes a sense of timelessness through its cobblestone streets and centuries-old brick buildings. However, the presence of the university injects a youthful energy that manifests in trendy boutiques, indie bookstores and a surprisingly strong arts scene. From live music festivals to theater performances, the town’s cultural calendar is perpetually filled, offering an intellectual and artistic smorgasbord for locals and visitors alike.
But Shepherdstown isn’t just for the intellectually curious or artistically inclined; it also serves up a treasure trove of outdoor adventures. Situated along the Potomac River, kayaking and fishing are practically local pastimes. For outdoorsy types, the C&O Canal National Historical Park provides ample hiking and biking trails to explore. With its low crime rate, strong sense of community and high standard of living, Shepherdstown checks all the boxes for anyone looking for a charming yet modern place to call home.
Population: 3,868
Average age: 48.6
Median household income: $37,875
Average commute time: 15.0 minutes
Walk score: 73
Studio average rent: $630
One-bedroom average rent: $900
If you’re a fan of the arts and outdoor beauty, Lewisburg secures its spot as one of the best places to live in West Virginia. This quaint town in the Greenbrier Valley isn’t just a postcard-perfect scene; it’s a thriving cultural hub with a robust calendar of events, ranging from live theater at the Greenbrier Valley Theatre to the annual Lewisburg Literary Festival. Once named the “Coolest Small Town in America”, it’s a place where artists find inspiration, bringing visitors from all over to experience its unique creative ambiance. The town also has excellent schools and healthcare services, making it an ideal place for families and retirees alike.
When the curtain falls and the paint dries, Lewisburg offers a wealth of outdoor adventures to keep you active. Whether you’re an angler tossing lines into the Greenbrier River or a hiker eager to explore the surrounding Appalachian Mountains, there’s something for everyone. With an inviting mix of culture, convenience and the great outdoors, Lewisburg proves you can have sophistication and nature all in one stellar package.
Population: 18,835
Average age: 38.5
Median household income: $45,901
Average commute time: 28.8 minutes
Walk score: 45
Studio average rent: $775
One-bedroom average rent: $682
Two-bedroom average rent: $1,877
Martinsburg holds its own as one of the best places to live in West Virginia, particularly for those seeking a blend of small-town charm and big-city amenities. Conveniently located along the MARC commuter rail line, it offers easy access to Washington, D.C., making it a perfect base for professionals craving a peaceful retreat without losing the pulse of the city. Job prospects are abundant in healthcare and manufacturing, but the commuting option opens the doors to countless additional opportunities in the nation’s capital.
The nearby Shenandoah and Potomac Rivers are a paradise for fishing, kayaking or lazy scenic floats. For land-based fun, hiking trails offer miles of woodland exploration. Families enjoy quality time at the local parks, where weekend soccer games and barbecues are common scenes. Shopping centers and farmers markets offer everything from fresh produce to artisanal crafts, making errands more of a pleasure than a chore in the Eastern Panhandle of West Virginia.
Population: 29,403
Average age: 41.8
Median household income: $38,960
Average commute time: 20.5 minutes
Walk score: 46
Studio average rent: $625
One-bedroom average rent: $700
Two-bedroom average rent: $780
Straddling the banks of the Ohio River, Parkersburg defies expectations and proudly stands as one of the best places to live in West Virginia. This city refuses to be boxed into stereotypes, offering a captivating blend of industrial ingenuity and natural beauty. Parkersburg serves as a regional center for the petrochemical industry, providing robust job opportunities, while also boasting an array of museums, historical landmarks and even a wildlife refuge for bald eagles. You get the sense that this city is all about balance, serving as a stable foundation for working professionals, families and everyone in between.
The Ohio River supports boating and fishing, while Parkersburg City Park has a zoo, skate park and swimming pool to keep the entire family entertained. For the culturally inclined, the Smoot Theatre showcases local talent and brings in performances that you’d typically expect in much larger cities.
Downtown features an intriguing mix of antique stores, specialty shops and restaurants that offer everything from farm-fresh West Virginia produce to international delicacies. With low housing costs, excellent schools and a quality healthcare system, Parkersburg presents a compelling argument for anyone seeking an enriched life without the big-city chaos.
There’s a West Virginia apartment waiting for you
As we’ve seen, there’s a wealth of options when it comes to the best places to live in West Virginia. Each town and city offers a unique set of advantages, whether it’s the career opportunities in bustling economic hubs, the familial warmth in close-knit communities or the serene natural landscapes that offer a break from the frenetic pace of modern life.
West Virginia proves that the quest for a balanced life doesn’t require a compromise between economic stability and a high quality of life. The state serves as a microcosm of what’s possible when communities invest in education, infrastructure and cultural enrichment, making any of these towns not just a place to live, but a place to thrive.
Every item on this page was chosen by a Town & Country editor. We may earn commission on some of the items you choose to buy.
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T&C Favorite
Brooklinen Luxury Sateen 4 Piece Sheet Set
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T&C Favorite
Brooklinen Luxury Sateen 4 Piece Sheet Set
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Linen Upgrade
Cozy Earth Light Grey Waffle Bath Towel Bundle
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Linen Upgrade
Cozy Earth Light Grey Waffle Bath Towel Bundle
This bundle of waffle towels has Oprah’s stamp of approval—so right off the bat you know how good they are. Made of a cotton and bamboo blend, these elevated towels are lightweight yet ultra-absorbent and supremely soft against the skin. T&C‘s Roxanne Adamiyatt is also a fan, noting that the hand towels “don’t get drenched and matted” and “haven’t warped or lost their shape” after several washes.
More: Oprah’s Favorite Things You Can Buy on Amazon Right Now
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Crystal Glassware
Lenox Tuscany Classics 4-piece Bordeaux Glass Set
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Crystal Glassware
Lenox Tuscany Classics 4-piece Bordeaux Glass Set
Now 28% Off
Help them raise a glass to their new home with this elegant crystal set from Lenox’s Tuscany Collection. The glasses are made of high-quality non-leaded European crystal (that also happen to be dishwasher safe!) and also available as champagne flutes, martini glasses, beer glasses, and more.
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Sleek Food Containers
Caraway Glass Food Storage Set
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Sleek Food Containers
Caraway Glass Food Storage Set
Give them a reason to finally toss all those food containers with missing lids! Featuring non-stick ceramic coated glass bodies, this food container set keeps leftovers fresh and organized while also looking great in the fridge. Better still, the larger containers are microwave, oven, refrigerator, and freezer safe.
As someone who’s recently moved, I can vouch for how game-changing these food containers are. Heating up leftovers in the oven is a cinch and I love how it’s also sold with a storage set that keeps my kitchen cabinets neat and tidy when not in use.
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Cutlery Essentials
Material Knife Trio + Stand (Almost Black/White Ash)
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Cutlery Essentials
Material Knife Trio + Stand (Almost Black/White Ash)
A good set of knives can make or break a cooking experience and this Material trio is beyond. The blades are crafted with three layers of Japanese stainless steel and high carbon, making them a breeze to chop and slice with. It also comes with a smart magnetic block that holds up to eight knives.
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Charging Catchall Station
Courant Catch:3
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Charging Catchall Station
Courant Catch:3
This is more than just a sleek catchall tray that keeps your tabletops organized and mess-free. It’s also a charger to ensure your phone never runs out of juice. Game-changing.
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Chic Coffee Table Book
Assouline Publishing Amalfi Coast
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Chic Coffee Table Book
Assouline Publishing Amalfi Coast
A travel-inspired coffee table book by luxury publisher Assouline will be a welcome addition to any stack. We love this Amalfi-themed one, but you have the option to choose from a variety of destinations, including Aspen, Mykonos, and St. Tropez.
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Sentimental Gift
Vienrose Large Photo Album
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Sentimental Gift
Vienrose Large Photo Album
Now 22% Off
It’s there, at their new home where they’ll be making new memories. Why not help them document all the good times with a good ole fashioned scrapbook that they can look back at for years to come?
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Elegant Aromatherapy
Vitruvi Stone Diffuser
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Elegant Aromatherapy
Vitruvi Stone Diffuser
Help them make their new digs more inviting with a refined essential oil diffuser that doubles as a stylish decor accent.
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Luxe Home Cleaner
Caldrea Multi-Surface Countertop Spray Cleaner
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Luxe Home Cleaner
Caldrea Multi-Surface Countertop Spray Cleaner
Let’s face it: Doing home chores is anything but glamorous. But when you wash up with Caldrea’s plant-based products featuring their latest Orange Blossom fragrance? It makes the task oh-so-more enjoyable—and leaves the kitchen sparkling with fresh-scented finish.
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Cozy Throw
BOURINA Throw Blanket
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Cozy Throw
BOURINA Throw Blanket
Now 20% Off
A cuddly blanket to wrap yourself in while reading or watching TV on the sofa? Now who wouldn’t appreciate that as a housewarming gift?
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Kitchen Do-It-All
Le Creuset Enameled Cast Iron Signature Round Dutch Oven
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Kitchen Do-It-All
Le Creuset Enameled Cast Iron Signature Round Dutch Oven
Now 20% Off
Everyone needs a Le Creuset dutch oven in their kitchen. There I said it. This do-it-all cast iron pot can cook everything from the heartiest of stews and soups to beautifully braised meats and warm, fluffy sourdough loaves. And the fact that it comes in an endless array of hues? Well that makes the Le Creuset infinitely more gift-worthy.
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State-of-the-Art Coffee Machine
Nespresso Vertuo Lattissima by De’Longhi
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State-of-the-Art Coffee Machine
Nespresso Vertuo Lattissima by De’Longhi
If you’re looking to splurge, the newest Nespresso machine brews one mean cup of a joe at a tap of a button. It can make a wide variety of your favorite coffees, ranging from cappuccinos and lattes to iced coffees and cold brews in six different sizes, but the pièce de résistance? It’s tricked out with an integrated milk frother that makes the foamiest, melt-in-your-mouth beverages. That’s enough reason to add to cart!
Or perhaps they’re more of drip-filter-coffee-kind-of-person? This retro style machine prepares up to 10 cups of equally as delicious rich brews in its glass carafe. And just look how damn chic the body is! Who wouldn’t want that on their countertop?
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Heated Coffee Mug
Ember Temperature Control Smart Mug 2
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Heated Coffee Mug
Ember Temperature Control Smart Mug 2
Now 18% Off
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On-Theme Candle
Homesick New Home Scented Candle
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On-Theme Candle
Homesick New Home Scented Candle
Now 33% Off
Nothing says “welcome home” like a candle made for a new home! So what exactly are the notes that make up this “new home” scent? No, it’s not fresh paint; it’s a blend of jasmine, cedarwood, lime, sandalwood, oakmoss, and musk that fills any room with the most pleasantly clean aroma.
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Indoor Fireplace
colsen Tabletop Ethanol Fireplace
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Indoor Fireplace
colsen Tabletop Ethanol Fireplace
Now 60% Off
If they don’t have already have a fireplace, give them the next best thing: a portable tabletop fireplace that will add instant warmth and ambience to their new home.
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Personal Blender
NutriBullet Blender
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Personal Blender
NutriBullet Blender
Now 14% Off
A compact blender is the perfect kitchen appliance gift for the loved one who’s just moved into an apartment. Space-saving and easy-to-use, the NutriBullet can whip up smoothies, sauces, salad dressings, and more in a jiffy.
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For the Lawn
Rachio 3: 8 Zone Smart Sprinkler Controller
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For the Lawn
Rachio 3: 8 Zone Smart Sprinkler Controller
Now 28% Off
For the new homeowners with a yard, this smart sprinkler system takes the guesswork out of watering your plants and greenery by allowing you to set automated schedules straight from your phone. Also cool: The patented weather intelligence feature that saves water by automatically skipping unnecessary watering.
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Elevated Coasters
Folkulture Beaded Coasters
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Elevated Coasters
Folkulture Beaded Coasters
Now 20% Off
These beaded evil-eye coasters are cute to look at and will actually make them want to use coasters.
Sophie Dweck is the associate shopping editor for Town & Country, where she covers beauty, fashion, home and décor, and more.
It’s now possible to activate all 5% category credit cards for the fourth quarter of 2023, including the Chase Freedom, Chase Freedom Flex, Discover IT, Citi Dividend, US Bank Cash+ and some smaller cards. In this post we’ll provide the activation link for each card and links to track your spend, along with strategies to help increase spend in these categories.
Dates: October 1st – December 31, 2023. Store purchases can usually be done until the last minute while online purchases should be given a buffer zone of a day or two.
Activation Link / FAQ / Sample Stores & Exclusions / Our original post
With the Freedom and Freedom Flex cards, activate to earn 5% back this quarter on up to $1,500 in spend at PayPal, Wholesale Clubs, and at Select Charities.
Paypal – Should work for any purchase with Paypal payment. This is always a easy and useful category given that many/most online retailers accept Paypal, e.g. Walmart, Target, Best Buy, etc.
I sometimes pay my taxes with a credit card via Paypal to trigger this category, read more about paying taxes with a credit card in this post.
Some people might find it worthwhile to swallow the 2.9% Paypal fee and max out this category by paying family or friends with their Freedom card. Just note the fine print technically excludes this: “Person-to-Person (P2P) transactions made with your Chase Freedom card on PayPal may be prohibited or not eligible for 5%.”
You can also do your year-end charitable giving with Paypal payments on many charities, or to almost any charity with Paypal Giving Fund.
Readers note that if you use the Freedom Flex via Paypal at Dining or Drugstores you’ll end up getting 7x due to the extra 2x bonus the card has on those categories.
Wholesale Clubs – Should work for Costco, Sam’s Club, BJs, and similar.
Bear in mind, Costco in-club only accepts Visa cards; online you can use Mastercard as well, and you can even order Costco Cash cards for use in-club. Also note, gas at Costco will not work to earn the 5x; the workaround is to buy Costco Cash cards in-club and use those to purchase gas.
You can buy Sam’s Club gift cards at the club or online which can then be used at Walmart or Walmart.com or Walmart gas. (Or you can buy Walmart e-gift cards from Paypal Digital Gifts which also earns 5x as part of the Paypal category.)
Some wholesale clubs sell third-party gift cards or even Visa gift cards.
Exclusions: “Gas, fuel, wholesale specialty service purchases such as travel, insurance, cell phone and home improvement will not qualify in this category. Mastercard not accepted at Costco warehouses or at gas stations.”
Select Charities – includes: American Red Cross, Equal Justice Initiatives, Feeding America, Habitat for Humanity, International Medical Corps, International Rescue Committee, Leadership Conference Education Fund, NAACP Legal Defense and Educational Fund, National Urban League, Thurgood Marshall College Fund, United Negro College Fund, UNICEF USA, United Way, World Central Kitchen GLSEN, Out and Equal, Sage.
Tip: Click this link (login required) to check how far you are along the $1,500.
Discover – Amazon, Target
Activation Link / Our original post
With your Discover card, activate to earn 5% back this quarter on up to $1,500 in purchases on Amazon.com and at Target.
Amazon.com
Target – Not very useful for someone who already has the 5% Target REDcard. It can still be useful for buying Target gift cards at Target which do not earn 5% on the Target REDcard.
Activate to earn 5% Cashback Bonus at Amazon.com and Target from 10/1/23 (or the date on which you activate 5%, whichever is later) through 12/31/23, on up to $1,500 in purchases. Amazon.com purchases include those made through the Amazon.com checkout, like digital downloads, Amazon Fresh orders, Amazon Local Deals, Amazon Prime subscriptions, and items sold by third party merchants through Amazon.com’s marketplace. This also includes purchases in-store at Amazon Go. Amazon, the Amazon.com logo, the smile logo and all related marks are trademarks of Amazon.com, Inc. or its affiliates. Target purchases include those made in store at Target, Target.com, or through the Target app. Purchases from individual merchants and stand-alone stores within physical Target locations may not be eligible for this promotion. Purchases made online or through the Target app from Target affiliates, individual merchants or stand-alone stores may not be eligible for this promotion, including, but not limited to, targetoptical.com and targetphoto.com.
Tip: Login, then click this link to see you how far along the $1,500 you are.
Citi Dividend – Add Me
Landing Page | Our Original Post
With your Dividend card, activate to earn 5% back this quarter at ADD ME. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter or you can save the entire amount for a different quarter, or you can use part up each quarter.
US Bank Cash+/Elan – Select your Categories
Activation link | Merchant List | Our Original Post
U.S. Bank Cash+ and Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter. Keep in mind that Car Rentals was recently replaced with TV, Internet, and Streaming Services.
Here are the current options:
TV, Internet, and Streaming Services
Home utilities
Select clothing stores
Cell phone providers
Electronic Stores
Gyms/Fitness
Fast food
Ground Transportation
Sporting goods
Department Stores
Furniture Stores
Movie theaters
Tip: Login here, then scroll down and click on the red “View Your Cash+ History” button.
Bank of America Customized Cash Rewards
Our Original Post
The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.
Gas and EV charging stations (default category)
Online Shopping; this category also includes cable, streaming, internet, and phone plan
Dining
Travel
Drug Stores
Home Improvement/Furnishings
This category is especially lucrative for those who have Preferred Rewards status with Bank of America which can get you 5.25% back on one of these categories at the higher relationship level.
Lots of useful categories here. Important note: the Cash Rewards card also offers 2% back at grocery stores and wholesale clubs up to $2,500 per quarter, and that $2,500 limit combines with the Category Selection limit. After spending $2,500, you’ll earn 1% back on everything.
Other Cards with 5% Category
Nusenda FCU – Retail, Online, Restaurants
Landing Page | Our Original Post
Earn 5% this quarter on up to $1,500 in purchases on Retail Stores, Online Retail Purchases, Restaurants.
This is on top of the regular 1% for a total earn of 6% back.
Abound CU – Amazon
Landing page | Our Original Post
Abound Credit Union Visa Platinum card offers 5% on up to $2,000 on Amazon purchases.
Langley FCU – Grocery, Streaming, Cable, Department Stores
Landing Page | Our Original Post
Langley Federal Credit Union offers 5% back each month in one selected category, on up to $100 cash back total ($2,000 spend).
The category options at time of this writing: Streaming, Cable & Internet services, Grocery, Department Stores.
Vantage West [AZ] – Select your Category
Landing Page | Our Original Post
Get 5x points on the category of your choice, up to $1,500 per quarter. Eligible categories:
Safe Credit Union Cash Rewards Visa card offers 5% this quarter on your choice of one category each quarter (with no apparent limit). This quarter the categories are:
Known as the Village of Plainfield, Plainfield, IL, is a thriving community that offers a perfect blend of small-town charm and modern amenities. Nestled in the scenic beauty of the Prairie State, Plainfield boasts a rich history, a welcoming atmosphere, and plenty to do around town. From endless outdoor recreation opportunities to the city’s love of art, you’re sure to find something to love.
But what is Plainfield, IL, known for? If you’re looking at homes for sale in Plainfield or are just curious about what the city has to offer, this Redfin guide has everything you need to know. To give you a taste, read on for 10things to love about Plainfield.
1. Historic downtown
Plainfield’s historic downtown is a true gem that is listed on the National Register of Historic Places. Upgraded in 2009, the city center is a pedestrian-focused haven lined with vintage storefronts, trees, and small-town charm. Visitors and residents alike can explore boutique shops, antique stores, and art galleries. Local cafes and restaurants offer delicious fare, and the area often hosts community events, including farmers’ markets, parades, and live music performances from local bands.
2. Parks and recreation
Plainfield takes pride in its abundant green spaces. With over 80 parks and miles of trails, residents have ample opportunities for outdoor activities.
The most popular park is Settler’s Park, which features a splash pad for kids, picnic areas, trails, and hosts numerous community events throughout the year, including concerts and outdoor movies. Commissioners Park, Van Horn Woods, and Four Seasons Park are other hotspots that host ice rinks, sports fields, forests, and large open spaces for relaxation.
The city is also home to numerous nature preserves, such as the Prairie Bluff Reserve, which is home to over 3 miles of trails for cycling, skiing, and more. Other preserves include the Rock Run Preserve, Eaton Preserve, and Riverview Farmstead Preserve, which all serve important roles in protecting local biodiversity.
3. Lake Renwick Preserve
The largest and most famous natural landmark in the Plainfield area is the Lake Renwick Preserve, which is part of the Lily Cache Creek preservation system. This scenic gem features a 200 acre lake with structures designed to provide nesting homes for birds. The preserve is home to the largest protected nesting location of herons in Illinois, although public viewing is limited during nesting season. Additionally, cycling and fishing are only allowed in certain areas.
There are three ways to access the preserve: through Copley Nature Park, Heron rookery Nature Preserve, or Turtle Lake. Unfortunately, only a few hundred feet from the preserve is a sand and gravel mine, which may impact the local wildlife.
4. The DuPage River
The DuPage River runs through Plainfield, offering picturesque riverfront areas for relaxation and recreation. Fishing, kayaking, and serene waterfront walks are just a few ways to enjoy the natural beauty of the river. The city also recently adopted a Riverfront Master Plan, which aims to further highlight the DuPage River with overlooks, improved shoreline management, and recreation space.
There are numerous trails that follow the river and connect different parks around the city. For example, the 30+ mile Dupage River Trail follows the river through most of Plainfield before heading north to Naperville and south to Shorewood. The trail connects Mather Woods, Renwick Park, Settlers’ Park, and Eaton Preserve. Other trails around the city also follow the river, although they may be disconnected.
5. Historical landmarks
Plainfield boasts a rich history, and several historical landmarks showcase its past. The Naper Settlement offers a glimpse into the region’s history, while the historic Barber House serves as a testament to the town’s architectural heritage. Additionally, the area is home to a historic gas station, a Civil War enlistment center, and an opera house that was originally a church and town hall.
6. Lewis University
Founded in 1932 just 20 miles outside of Plainfield, Lewis University has a rich history of academic excellence and community engagement. Inspired by its Catholic and Lasallian heritage, the university is known for its diverse range of undergraduate and graduate programs, covering fields such as business, aviation, religion, education, healthcare, and the arts.
One of the standout features of Lewis University is its commitment to innovation and technology. The university’s aviation program, for example, is renowned for its state-of-the-art flight simulation facilities and providing students with hands-on experience in aeronautics. The university offers undergraduate and graduate programs, including air traffic control management, aviation maintenance, and unmanned aircraft systems.
The Plainfield Historic Preservation Commission recently created a self-guided walking tour that showcases the area’s history and highlights local architecture and businesses. The tour includes 53 historic properties around the town.
7. Annual events
The town comes alive with a variety of annual festivals and events year-round. Yearly favorites include the seasonal Farmers Market, Irish Parade, Harvest 5k, and Homecoming Parade, which celebrates the new school year and welcoming alumni back to the area. Holiday celebrations are also popular in Plainfield, such as Spooktacular and The Heart of Christmas.
No matter who you are or what you celebrate, you’re sure to find a community event to help you feel at home.
8. Proximity to Chicago
Plainfield’s proximity to Chicago is one of its standout features. Located just 35 miles southwest of downtown Chicago, Plainfield offers residents the best of both worlds – a serene suburban lifestyle with easy access to the vibrant Windy City.
While it’s easiest to drive from Plainfield to Chicago, taking just over an hour, the city does offer two bus routes on weekdays. However, public transportation is minimal in Plainfield, so plan on driving a car.
9. Plainfield tornado of 1990
A devastating F5 tornado struck Plainfield on August 28, 1990, the strongest August tornado in US history and one of the strongest of all time. It remains as one of the most memorable events in the village’s history and led to significant rebuilding and growth in the community.
10. Community spirit
Community spirit is at the heart of what makes Plainfield, IL, a special place to live. Residents actively volunteer at libraries, parks, animal sheltered, and food banks, creating a sense of togetherness. Neighborhood associations also organize events, and local businesses support the town and contribute to its historic roots. Strong community engagement, welcoming neighbors, and ample public services helps make Plainfield a welcoming town open to everyone.
What is Plainfield, IL, known for? Final thoughts
Plainfield, IL, is more than just a suburban town; it’s a thriving community with a rich history, excellent schools, and a strong sense of unity among its residents. From a charming downtown to natural beauty and diverse amenities, Plainfield offers something for people from all walks of life. And, with a convenient location near just an hour outside Chicago, it’s no wonder that Plainfield is a growing city beloved by locals.
So, if you’re considering living in Plainfield and want to buy a home or rent an apartment, you’re sure to find something to love.
Are you looking to learn how to find a free car? Cars are expensive. There’s no doubt about that. Is it possible to get free cars? Getting a free car may sound too good to be true, but it’s possible for people who meet certain requirements, which we will talk about below. In this article,…
Are you looking to learn how to find a free car?
Cars are expensive.
There’s no doubt about that.
Is it possible to get free cars?
Getting a free car may sound too good to be true, but it’s possible for people who meet certain requirements, which we will talk about below. In this article, I’ll show you how to get a free car through different ways, from charity donations to assistance programs, and more.
I understand that there are so many people who would benefit from a more affordable transportation option. After all, a car can be essential to landing a job, getting to work, helping you pick up and drop off your children at childcare (so that you can work!), getting groceries, and so much more.
Low-income families, single parents, individuals with disabilities, veterans and their families, and so many others may particularly benefit from getting free vehicles to improve their quality of life.
Whether it’s making it easier to get to work, taking the kids to school and childcare, or simply attending important appointments, acquiring a free car can have a significant impact on your daily life.
Related content:
Why do free cars exist?
Free cars exist to help people who need transportation.
There are many organizations whose sole purpose is to help you get a free car because they know how much it can change a person’s life.
Below are some organizations that may help you find a free car:
Nonprofit Organizations— Some nonprofit organizations give away cars for free to those who need one. They work with local partners and households and accept donations of old cars and used cars, which are then fixed up and given to those who need them. These organizations usually target specific groups of people, such as low-income families, working families, single parents, military families, or disabled individuals, who may find it hard to afford a car on their own.
Churches and Private Charities— Churches and private charities may offer car help in your community as well. They usually work on a smaller scale, providing help to local residents experiencing hardships and may just give out a free car here and there. These organizations often rely on donations from members of the community and local businesses, and they require applicants to demonstrate a genuine need for a vehicle. You may need to contact local churches and charities directly to learn more about how to get a car for free.
People donate their used cars all the time. Their reasons may be either because they have no use for the car, they want to avoid the hassle of selling a car, for tax breaks, or they want to help others.
Who can benefit from free cars?
There are many people who can benefit from a free car, such as:
Low-income families— If your family is struggling with money and you are finding it hard to afford your bills, you might be eligible to receive a free car if you can show your need to an organization.
Single mothers and single parents — Single moms and parents need transportation so that they can get to work and also be able to bring their children to childcare. Not having a car can make this much more difficult.
Domestic violence victims — Having reliable transportation can be important for the safety and well-being of domestic violence victims. Some organizations have experience providing a free car in this situation and understand the need for privacy.
Disabled individuals — If you have a disability, you might be eligible to receive a free car to help you get around and be more independent.
Veterans and military families — Veterans and military families can also benefit from free car programs. There are organizations dedicated to providing assistance to those with a military background, to repay them for their service and sacrifices.
Victims of natural disasters — If you have experienced loss from a natural disaster, then you may benefit from many charitable free car organizations.
Of course, there are many more people who could benefit from finding affordable transportation as well. This is not a full list of those who might need a free vehicle.
Now, you do want to be cautious with getting a free car. If you are receiving government assistance, such as housing assistance, welfare, or food stamps, then accepting a free car may be considered income and it can affect your benefits. This is something that you will definitely want to think about as you do not want to lose these benefits.
How To Get A Free Car
There are organizations that help you get a car when you need a free vehicle. And there are other ways to find a free car as well. Below are some of the options that you may want to look into:
1. 1-800-Charity Cars
1-800-Charity Cars (also known as Free Charity Cars) is a nonprofit organization that provides free vehicles to eligible people, including domestic violence victims, the medically needy, victims of natural disasters, veterans and military families, and families transitioning from public assistance to work. It was the first charity of its kind in the nation.
This is the original free charity cars organization and they have given away over $70,000,000 in cars (over 9,000 cars) nationwide since they started the organization in 1996.
To apply, you will need to meet their eligibility criteria and submit an application on their website. Some of their eligibility requirements include being over the age of 18, being a resident of the U.S., having a valid driver’s license, being at or below 200% of the Federal Poverty Level, and having a genuine need for a vehicle.
This is a good place to start if you need a free car and you’re wondering where can I get a donated car for free.
2. Vehicles for Change
Vehicles for Change was started in 1999 and has given out over 7,500 cars to low-income families for little to no cost.
This organization helps residents in the states of Maryland and Northern Virginia. Cars are repaired and restored by people seeking workforce training as auto mechanics.
Donated vehicles are provided to families in need who meet their eligibility requirements. Eligible applicants must have a verifiable job offer or be working at least 30 hours per week, have no DUIs, and have a valid driver’s license to begin the application process.
3. Good News Garage
Good News Garage is a car donation program to look into if you’re trying to find a free car. They provide refurbished free cars for low-income families that meet their eligibility requirements. They give out around 200 cars to families in need each year and have provided around 5,500 cars since starting in 1996.
This organization is available for those in need who live in the New England area of Massachusetts, Vermont, and New Hampshire.
Good News Garage also has a transportation program. If you need to get to a job or get your children to childcare, then their program Ready To Go may be able to help you with this as well.
4. Online Car Donation
OnlineCarDonation.org is another platform that donates refurbished vehicles to needy individuals and families.
Online Car Donation gives free cars to people such as those with physical challenges, families living in homeless shelters, military families, and more.
You can apply by filling out their application form on their website and providing the required documents to prove your eligibility.
After you submit your application for a free car, if you are chosen, you will be contacted within 30 days. If you do not hear back within that time frame, their website says you can apply again as applications are only valid for 30 days.
5. With Causes Charitable Network
The WithCauses.org Network helps individuals and families in need by providing resources and assistance, which includes help getting a free car. The eligibility requirements may vary, so visit their website to find out if you qualify and how to apply.
6. Salvation Army free car program
The Salvation Army offers a free car program for eligible candidates.
They mainly focus on helping domestic violence victims, families in dire financial situations, and the homeless. Visit your local Salvation Army branch to inquire about their car donation program and how to apply.
7. Cars 4 Heroes
Cars4Heroes donates free cars to first responders, military veterans, and their families who are in need of transportation.
Cars 4 Heroes was started in 1996, and the organization currently gives away over 300 cars a year in the Kansas City, Kansas, metro area.
You can fill out their application form on their website and provide the required documentation to be considered for a free car.
8. Local church
Your local churches or other religious institutions may have programs that provide free vehicles to families that need help getting a car.
You may want to contact your nearby churches to find out if they have any car donation programs and how to apply or if they have eligibility requirements. They may know someone that they can connect you with to help you get a free car.
9. Check Facebook Marketplace and Craigslist
Many people often give away their cars or sell them at low prices on platforms like Facebook Marketplace and Craigslist.
If I was wondering about free cars near me, then I’d browse through these websites regularly to find out if anything is available. The search can be customized by entering your budget and location to see if anything suitable turns up.
10. Find a job that gives you a free car
There are jobs that may give you a free car as well, in case none of the above options works for you.
Some job positions that may come with a company car include sales representatives, district managers, or regional directors who spend a lot of time traveling between different offices.
To start your search for jobs that give you a car to take home, you can look for job postings with phrases like “company car provided” or “full-time vehicle provided.” Job websites such as Indeed, LinkedIn, and Glassdoor make it simpler to find such job listings by using specific keywords, so you may try searching for those. I did a quick search and was able to pull up jobs easily by typing those phrases into the keyword search bar.
Some employers might offer a car allowance instead of providing a free car. In this case, you would receive a monthly stipend to use toward your vehicle expenses. This would offset some of your car expenses, such as monthly payments or maintenance.
Also, if you know someone who currently has a company car, you can try asking them for tips and advice. They might even refer you to open positions at their workplace, and this can help you get a job with a free car as well.
11. Look for a free dealer donation
Dealer donations are a little more difficult of an option, as car dealers are in the business of making money, not giving away all of their cars that make them that money.
But, it doesn’t hurt to try if you have the time to write a letter and reach out to a car dealership.
To obtain a car dealer donation of a free used car, you’ll want to start by seeing what local dealerships are in your area. You can research their involvement in charitable activities to see if they even give out free cars (maybe do a simple search of the dealership’s name plus the term “free car” or something like that), as this will show you that they are open to the idea of donating a vehicle to those in need of a free car.
Once you have a list of local dealers to reach out to, there are ways to get a free car from a dealership. You can write a letter talking about your situation and reasons for requesting a donated car. You should talk about your struggles and the positive impact the donation will have on your life (such as, what a donated car will help you do).
When writing your letter for a free dealer donation, here are some things to think about:
Write the letter to the dealership’s owner or general manager, as they will likely have the authority to approve a car donation or be able to talk to someone who does have that authority.
Explain your situation fully and provide the specific reasons why you need a car.
Talk about how a car donation would improve your life and allow you to overcome challenges or achieve goals.
Provide information on any relevant programs or resources, such as a community organization or nonprofit, that may support your request for a free car.
After you have written your letter, submit it to the dealership. You may do this by sending it to the physical mailing address of the person, their email address, or perhaps even handing your letter to them in person.
Here are answers to common questions you may have about finding a free car:
What are other transportation options if I can’t find a free car?
There may be a long waiting period if you are applying for a donated car. If you are not able to find a free vehicle, then you may need to look into other options to get around town. Here are some ideas on how to get around if you don’t have a car of your own:
Public Transportation— If you live in a place with public transportation, then this option is something to look into. One great thing about public transportation is that you won’t have to pay to maintain a vehicle or repair anything. Of course, public transportation sometimes takes longer and may not be widely available to you (unfortunately, there are many towns in the U.S. that do not have great public transportation options), and that is something to think about. Also, more and more cities offer public transportation at no charge. You may have to apply for a special card to get this free service, or it may be available to everyone. It’s worth asking around about because it can save you hundreds of dollars a month.
Carpooling — Carpooling is an option to think about if you are unable to find a free car, especially for people who live in areas with limited public transportation. Car owners may be looking for riders so that the expense of ownership is offset a bit. You’ll need to share the cost of expenses, such as gas, tolls, parking, and wear and tear. You may be able to share rides with coworkers, friends, or neighbors. To save money, you could offer to trade babysitting, gardening, or home repairs for the ride. Also, check out carpooling apps that apply to your local area.
Rideshare Services — Now, rideshare most likely won’t be the most affordable option, but sometimes you don’t have a choice. Rideshare services, such as Uber and Lyft, may be able to get you to where you need to go if you don’t have any other options. To save money, use an app that compares rideshare companies and finds you the cheapest price. And, as far as your work commute, it’s good to know that some companies offer rideshare services as a benefit to their employees and will pay for the full cost or part of it.
How can I find free cars given away near me?
Yes, you can find free cars given away near you. There are many local organizations that may be able to help you out. You can research the various charity programs in your area and see if you meet their eligibility requirements for a free car.
Many charities, such as Charity Cars, provide free vehicles to people in need. These organizations often target specific groups of people, like veterans or victims of domestic violence.
Next, reach out to local branches of organizations like the Salvation Army or Goodwill Industries. These organizations may also auction off donated cars at affordable prices. Reach out to your nearest branch to learn more about available vehicles and to find out if they hold any auctions.
Another option is Online Car Donation, which aims to provide free cars to as many people in need as possible. Fill out their application to see if a reliable used car is available for you. They also offer trucks, vans, and sometimes even modified vehicles for individuals with disabilities.
Remember to be patient but also to keep trying, as it can sometimes take time to find the right opportunity for a free car. And, many times your application is only good for 30 days, so keep in mind that you may have to submit it over and over again.
Is Free Charity Cars legit?
Yes, Free Charity Cars is a legitimate organization that connects eligible people with free vehicles. They have high ratings and many endorsements.
How to get a car if you can’t get a free one?
If you’re not able to get a free car, you do have some other options, such as learning how to get a cheap car and learning the best way to get a car loan with a low interest rate.
Here are my tips for finding a cheap car:
Shop around for cars that are affordable to you: Many organizations offering a free car may also give you the option of purchasing a refurbished vehicle from them at a much lower cost than elsewhere. Otherwise, check out your local dealerships, online car-selling platforms, and even Craigslist to find the best deals on reliable cars in your area. Don’t limit yourself to just one site; shop around and be patient until you find a car that fits your budget.
Buy a used car: Buying a used car rather than a brand new one can save you money. Pre-owned vehicles tend to be more affordable and can still offer reliable transportation.
Negotiate for the best price: Don’t be afraid to negotiate the price of the car with the car seller or dealership. They may be able to lower the price, especially if you can show them that similar cars are around for cheaper prices elsewhere.
Check your credit score: Before applying for a car loan, make sure that you know your credit score. A better credit score increases your chances of getting a lower interest rate on your car loan. If you can, I recommend you take the steps to improve your credit score (even while searching for a free car) in case you need to apply for a car loan.
You can learn more about building up your credit score at Everything You Need To Know About How To Build Credit.
Shop around for car loans: Just as you should shop around for the best car deal, you should do the same for car loans. Different lenders may offer different interest rates and loan terms.
Choose a shorter loan term: While a shorter car loan term means higher monthly payments, you’ll pay less in interest overall, making the car less expensive over the years.
There are plenty of options for finding cars that may not be entirely free but are still affordable to you.
Related content: Save Money With These Top Tips For Buying A Car
How To Get A Free Car — Summary
I hope you enjoyed today’s article on how to get a free car.
If you need a car but cannot afford one, there are several ways to possibly get a free car. Many programs and organizations exist to help people get a free car, especially if you belong to certain categories, such as low-income families, veterans, domestic violence victims, or those transitioning from public assistance.
Remember, you do want to be cautious with getting a free car as well. If you are receiving government assistance, such as housing assistance, welfare, or food stamps, then accepting a free car may be considered income, and it can affect your benefits.
To find free cars near you, it’s important to explore local nonprofit organizations, as well as community centers, churches, or social services agencies that may have information about free car programs or resources in your area. Some jobs come with a company car that you can take home.
Here are some potential resources to assist you in getting a free car:
Local nonprofit organizations
Online car donation websites
Community centers and churches
Social services agencies
Remember that just because you meet the eligibility requirements for a free car and apply for one, it does not mean that you will succeed. There are many people who would like to receive a free vehicle as well. However, you can increase your chances of getting a free car if you can show that you have a need and you have a story to share (since people personally review the applications to see who needs the car the most).
Settling credit card debt is a potential option when you have many missed payments over several months. If a credit card issuer or collection agency suspects they won’t get paid at all, they might be willing to accept less money than you owe. It’s typically a last resort to be explored after you’ve considered other debt-payoff options.
“Whether or not you can settle depends on each creditor; no two banks have the same collection process or settling parameters,” says Leslie Tayne, founder and managing director at Tayne Law Group. “The outcome can depend on many factors, including the creditor’s policies, the debt amount, the individual’s credit history, and the ability to negotiate effectively.”
Here’s what you need to know about how to settle credit card debt.
🤓Nerdy Tip
Note that settling credit card debt is different from — and riskier than — simply negotiating the cost of existing debt, such as attempting to get fees waived or APRs lowered.
Pathways for credit card debt settlement
There are different options for settling the debt on your credit cards. You can try the do-it-yourself method or have an attorney or company settle debt on your behalf. Regardless, there is no guarantee that the company that owns the debt will be willing to settle. Be wary of anyone offering debt settlement services who promises these results. Many people in their desperation to settle debt are left vulnerable to scams by debt relief companies or other sources. Before hiring anyone to settle debt on your behalf, research their background, history and track record.
Do it yourself
When deciding whether to settle debt on your own or hire someone to negotiate on your behalf, it’s worth considering the pros and cons for both. Hiring someone can cost more, but settling debt on your own can be a risk. The law can come into play, and if you don’t know what to look for, you could dig yourself deeper into debt and spend more money down the line to fix those mistakes. Consider your options and what is best for your situation.
Hire an attorney experienced with debt settlements
An attorney who specializes in debt settlement can help you consider factors like federal and state laws, statutes of limitations for debt, time-barred debts, whether you’re judgment-proof or have a lien due to other debts, credit reporting, and tax outcomes, among other things. They may also understand how certain creditors or collections agencies work and the kind of offers they are willing to accept.
It can be difficult to wrap your head around attorney costs when you’re already struggling to meet payments. It might be possible to find an attorney who offers reduced costs through a legal aid office, but they can be in high demand. Costs for a private attorney may vary based on the type of work involved. They may charge a flat fee per creditor, a percentage of the debt eliminated, or an hourly rate. Attorneys are in theory held to ethical standards, but some have been known to not charge fairly. When hiring an attorney, it’s in your best interest to do an online search for consumer reviews, consumer complaints, actions taken by the Consumer Financial Protection Bureau (CFPB), and the attorney’s standing with the state bar.
Hire a debt relief company
A debt settlement or relief company is an option, but it can come with risks and steep costs. These companies generally charge excessive fees and rarely deliver on the promised results, leaving you worse off financially, according to the CFPB’s website. You’re typically required to stop paying your balances and instead put that money into a savings account. As a result, you’ll incur late fees, penalty interest rates and potentially other charges. Pricey service fees may also apply for the debt and the savings account, which can be counterproductive if those costs cancel out the value of any balances settled. Some creditors may also refuse to work with certain debt relief companies.
🤓Nerdy Tip
If you choose to work with a debt settlement company, the CFPB’s website suggests contacting your state attorney general or a local consumer protection agency to see whether the company has any consumer complaints on file. Some states also require debt settlement companies to be licensed. You can verify if a company is licensed through your state’s regulator or attorney general.
How to determine if settlement is right for you
If your credit has already taken a hit because of missed payments for six months or longer, debt settlement is an option to consider, according to Tayne, but it’s not without drawbacks. Beyond the credit repercussions of missed payments, this option can leave a lasting mark.
“On a credit report, a settled account is identified as being ‘settled for less than the full balance,’” said Margaret Poe, head of consumer credit education at TransUnion credit bureau, in an email. “The settled account will remain on a credit report for seven years from the date of first delinquency, as with other derogatory remarks on a credit report.”
Even if you are able to settle debt, the journey toward that agreement may be packed with pitfalls. You should prepare to receive calls from your creditor or a debt collector as payments become past due. The costs will also keep spiraling as interest and fees continue to accrue. And, as you’re missing payments, it’s possible to get sued by the creditor or collection agency.
It’s a big risk to take when there’s no guarantee that you can settle debt.
How to negotiate a credit card debt settlement yourself
Negotiating a credit card debt settlement isn’t a one-size-fits-all approach, so the following steps may not work for everyone, and they don’t factor in other possible debts. You’ll need certain financial resources to settle debt. If you’re having trouble covering essentials like housing and food, consider bankruptcy as a potential option.
1. Consult an expert
Before trying to negotiate yourself, it may be in your best interest to consult an expert early in the process. An expert may alert you to blind spots. You don’t have to hire an expert or a company for the long term if the costs are overwhelming, but at the very least you can understand if you should go at it alone or consider other options like a debt management program.
You can get an initial consultation with an attorney or a certified credit counselor. The latter will be more affordable, but credit counselors aren’t very involved in the settlement process. What they can help with is exploring your options and helping you gain an understanding of whether a do-it-yourself approach is a good idea.
“We can obviously help with the budgeting process and thinking about, you know, other possible ramifications,” says Thomas Nitzsche, senior director of media and brand at Money Management International, a nonprofit credit counseling agency. “If a debt management program is not viable, the counselor is going to tell you that you really need to seek legal advice.”
An attorney will be more familiar with the settlement process. Unless you hire an attorney to represent you, though, that person can only offer general advice that may not be specific to your situation. Regardless, both experts are skilled at negotiating credit card debt, so it’s wise to at least consult one.
2. Figure out whom and how much you owe
Understanding who owns your debt is crucial. You can get some of that information in your free credit report from annualcreditreport.com, according to Tayne. But the report may not account for all of your debt in some cases. Judgments or liens don’t always show up on a credit report. You can go to your county recorder’s office to get information about potential judgments or liens and use online directories to find statutes of limitations by state, she says.
These are the kinds of steps an expert can potentially help you plan or consider before starting the settlement process on your own, hence why we recommend the consultation step above first.
3. Know your budget
By giving your finances an in-depth look, you can see how much money is truly available to negotiate a settlement. Review your budget and statements to explore the possibility of eliminating unnecessary purchases like lapsed free trials or others. Also look for opportunities to swap products or services for less costly alternatives.
In your review, you’ll also need to assess the highest and lowest amount you can afford to pay in a settlement. Consider whether it’s best to negotiate several payments or a lump sum.
The range should allow you to still prioritize essentials like rent, utilities, transportation, gas, food and anything else you may need. Ideally, you can negotiate for an amount that gives your budget room to breathe. Leave a buffer for potential emergencies and tax-related costs that may apply on debts forgiven over $600. Depending on your circumstances, it may be possible to get the tax costs waived, Tayne says.
4. Get organized
Once you know who owns your debt, look up contact numbers for those companies and write them down. You should also make a list of the debts, the amounts outstanding, and the range you can afford to pay back.
Here are some of the documents you may need:
Your budget and range for settlement.
Your credit report.
Documents concerning judgments or liens.
A script of what you’re planning to say.
A list of questions if a settlement agreement is proposed.
Practicing what you’re going to say will also help you be more confident in the actual negotiation process. Don’t step outside the parameters of what you can afford, and don’t negotiate out of fear — even if the person on the other end of the call seems intimidating.
In case you are able to get a settlement agreement, it helps to have a list of follow-up questions. For instance, you may want clarity on the following:
When, if at all, can you get the agreement in writing?
How will the settled debt appear on your credit report?
What happens if you don’t honor the terms of the agreement?
Will you be taxed on the amount settled?
Will you get a 1099-C for the settlement, and if so, when?
5. Make the call
Once you’ve done your prep work, you’re ready to make the call to the creditor or debt collection company. Before dialing, here are some best practices to consider:
To prevent unwanted surprises, don’t provide your bank account information upfront to the company that owns the debt. Wait until you have a signed agreement.
Write down the names of people you speak to and the time you spoke to them.
Write down the numbers of departments before accepting a transferred call.
Make as many calls as it takes to get through to the right person.
Start negotiations at the lowest offer possible (i.e., even if you can afford to pay 60%, start at 20%).
Once you’re ready to dial, ask to speak with an employee who can negotiate your debt. Start by asking, “I would like to settle my outstanding credit card debt. Can we discuss any options that you offer?” If you’re asked why you can’t pay it off, avoid revealing too much information, to prevent it from potentially being used against you in the settlement process.
“What consumers tend to do is just dump on the creditor tons of information that impacts and impedes the settlement process,” Tayne says. “Somebody who is an attorney understands how to filter certain information in order to appropriately negotiate in the client’s best interest.”
Once you share that you’re struggling to meet payments, the account may be closed if it’s still with the original creditor.
🤓Nerdy Tip
Don’t be afraid to ask for more time to think about a settlement offer. Ask for the direct number so that you can pick up where you left off. Don’t agree to any terms or offers that are unclear or out of budget. Ask for clarification or a breakdown of costs, if needed.
6. Get the agreement in writing
Request the agreement in writing and carefully review it before signing to ensure it includes the terms you agreed to. You might be under the impression that you’ve settled debt, but it may not be the case until you get all of the necessary details in writing.
The agreement should include the name and number of the account settled, the name of the creditor, the date, and the terms depending on whether you’ll have different payment deadlines or make a lump-sum payment, according to Tayne. You can also feel free to request that credit reporting details be included and anything else that might be relevant or useful to document.
Don’t make any payments or share any bank account details until the agreement is finalized.
7. Honor the settlement agreement
It’s important to meet the terms of the new agreement. Failure to do so can result in a lawsuit and fewer opportunities to negotiate in the future, Tayne says. To avoid further complications, be sure to pay off any tax-related costs that result from the debt settled.