Located in the scenic foothills of North Carolina, Hickory is a beautiful place to settle down. For anyone considering a move to this area of North Carolina, Hickory combines affordability with Southern hospitality, making it appealing to a range of people at different stages in life. That said, like any city, Hickory has its own set of advantages and challenges. Below, we’ll break down 13 of the top pros and cons of living in Hickory to help you make the best decision for you.
Hickory at a glance
Walk Score: 28 | Bike Score: 26 Median Sale Price: $319,500 Houses for rent in Hickory | Apartments for rent in Hickory | Homes for sale in Hickory
1. Pro: Affordable cost of living
Hickory has a notably lower cost of living compared to other cities in North Carolina. Housing is especially affordable, with median home prices well below the national average, making it a great place to stretch your budget.
2. Con: Limited public transportation
One downside of living in Hickory is the lack of robust public transportation. Most residents rely on personal vehicles for commuting, which can be an issue if you don’t like getting behind the wheel on a daily basis.
3. Pro: Thriving manufacturing industry
Hickory is a hub for the furniture and manufacturing industries, offering plenty of job opportunities in these industries. The city has a long history in furniture production, and large employers like CommScope and Corning create a steady demand for skilled workers.
4. Con: Fewer options for nightlife
If you’re looking for a lively nightlife scene, Hickory may miss the mark. While there are a few local bars and restaurants that offer evening entertainment, options are relatively sparse compared to larger cities.
5. Pro: Surrounded by scenery
Hickory is surrounded by beautiful natural scenery, including Lake Hickory and the Blue Ridge Mountains. Outdoorsy types can enjoy hiking, boating, and fishing within close proximity to the city, making it a perfect spot for nature lovers.
6. Con: Hot, humid summers
Summers in Hickory can be uncomfortably hot and humid, especially if you’re not a fan of high temperatures. The humid climate may feel especially overwhelming during July and August, particularly for those who prefer milder conditions.
7. Pro: Strong educational institutions
Hickory is home to several well-regarded schools like Lenoir-Rhyne University, making it one of the top North Carolina college towns. The city’s focus on education provides ample opportunities for students and families looking to settle down in a place that prioritizes continuing education.
8. Con: Limited dining options
While Hickory has some fantastic local Southern cuisine, the variety of restaurants offering international flavors is limited. You might find yourself traveling to nearby cities for more eclectic dining experiences.
9. Pro: Close-knit community atmosphere
There’s a strong sense of community in Hickory where neighbors know each other, and people often gather for local events. This tight-knit atmosphere is ideal for those seeking a slower, more personable way of life.
10. Con: Slower economic development in some areas
While Hickory has seen growth in certain industries, others haven’t experienced the same level of development. The economy can feel stagnant in areas outside of manufacturing, leading to fewer job opportunities for people in other fields.
11. Pro: Easy access to larger cities
Hickory is conveniently located near major highways, making it easy to take day trips to larger North Carolina cities, like Charlotte, Asheville, or Winston-Salem. You get the benefits of small-town living while still being close to bigger cities with more options.
12. Con: Fewer entertainment venues
Though Hickory does have a few cultural venues like the Hickory Museum of Art and a community theater, the selection of entertainment options can feel underwhelming. Residents often venture out of town for bigger concerts, shows, or events.
13. Pro: Minimal traffic and easy commuting
Compared to larger cities, traffic in Hickory is minimal, making commuting around town quick and easy. This is a great benefit for people who want to avoid long drives or heavy congestion.
A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.
It’s now possible to activate all 5% category credit cards for the fourth quarter of 2024, 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, 2024. Store purchases can usually be done until the last minute while online purchases should be given a buffer zone since the charge typically posts on the shipping date.
Chase Freedom – Paypal, Pet, McDonald’s
Activation Link / FAQ / Sample Stores & Exclusions / Our original post
With the Chase Freedom and Freedom Flex cards, activate to earn 5% back this quarter on up to $1,500 in spend at Paypal, McDonald’s, Pet Shops and Vet Services, Select Charities.
PayPal – Super useful category. Remember that you can use Paypal to pay taxes; give charity; pay at millions of businesses like Walmart.com, Bestbuy.com etc; and even possibly pay in-store at some locations. It’s been mentioned the possibility of using Paypal at CVS stores to get 7x on the Freedom Flex card since that card also earns 2x extra points at Drugstores. It should also be possible to send money to a friend using the Family & Friends option for a 2.9% fee.
McDonald’s – this should be 7x on the Freedom Flex card since that card always gets 2x bonus points at Restaurants
Pet Shops and Vet Services
Select Charities
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 at Amazon.com and Target.
Target and Target.com – not very useful for those who have REDcard which always earns 5%. Could be useful for buying Target gift cards since those do not earn 5% on the REDcard, but will earn 5% with Discover in Q4. Target usually runs a 10% off deal on their gift cards during the Q4 holiday season.
Amazon.com – also not too useful for those with the Amazon Prime 5% card
Activate to earn 5% Cashback Bonus at Amazon.com and Target from 10/1/24 (or the date on which you activate 5%, whichever is later) through 12/31/24, 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 and Amazon Fresh. Purchases made online and in-store with Whole Foods Market are not included in the promotion. 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. Target and the Bullseye Design are registered trademarks of Target Brands, Inc. Listed merchants are in no way sponsoring or affiliated with this program.
Tip: Login, then click this link to see you how far along the $1,500 you are.
Citi Dividend – Restaurants, Citi Travel
Landing Page | Our Original Post
With your Dividend card, activate to earn 5% back this quarter at Restaurants and on Citi Travel. 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, you can save the entire amount for a different quarter, or you can use part up each quarter.
Restaurants – always a useful category
Citi Travel – hotels, car rentals, and attractions (excluding air travel) booked through the Citi Travel site at CitiTravel.com or by calling 1-833-737-1288
U.S. 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.
U.S. Bank Shopper – Select your Categories
Our Original Post
The U.S. Bank Shopper Cash Rewards comes with a $95 annual fee and offers 6% cashback on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Options include Amazon, Apple, Best Buy, Home Depot, Lowe’s, Walmart, Target, and many more. You must enroll each quarter for two retailers.
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, 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. (apparently no longer the case)
Langley FCU – Walmart/Target, Grocery, Department
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: Target & Walmart, Groceries, Department Stores.
Vantage West [AZ] – Select your Category
the 5% program is ending on October 1st.
Landing Page | Our Original Post
Safe Credit Union [CA] – Various
Landing Page | Our Original Post
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:
Perhaps the idea of home ownership sounds appealing, but the thought of all the maintenance involved — inside and out — doesn’t sound so great. Dealing with snow removal or tending to your lawn might be the last thing you want to add to your already full plate.
If that resonates, buying a home that has a homeowners association, or HOA, might be the right move. Whether you’re shopping for a condo or a 3-bedroom house in a new development, an HOA could be a valuable thing. These organizations, funded by dues, take care of many of those maintenance responsibilities, run shared facilities (like a pool), and create guidelines (and enforce them) for the community of homeowners.
That said, interacting with an HOA and following its guidelines may not be for everyone. Read on to learn:
• What is an HOA, or homeowners association
• How do HOAs work
• How much are HOA dues
• What are the pros and cons of HOAs
• How will HOA fees impact your costs as a homeowner
What Is an HOA (Homeowners Association)?
An HOA is typically a non-profit volunteer group that manages aspects of homeownership in certain planned unit developments (PUDs), condos, and other housing communities. The HOA collects fees from each member of the community and uses them to handle maintenance duties and amenities. These may include:
• Landscaping and maintenance of walkways and the like
• Pest control
• Maintenance and utilities of shared spaces, such as lounges and pool areas
• Garbage pickup
• Parking
• Security
Another answer to “What is an HOA?” should mention that these associations typically make enforceable rules about the look and feel of the community. There may be guidelines about, say, the size of pets one may own, or the color schemes permissible for a townhome’s exterior. The existence of an HOA will be an important consideration when you are shopping for a place to live and HOA fees need to be built into a homebuyer’s financial plan, just like home loan payments.
Recommended: Condo vs. Townhouse: 9 Major Differences
How Does an HOA Work?
HOAs can be staffed in different ways. They can be run by people owning property within its boundaries, run by a board of directors, or through a similar arrangement, with board designees elected to oversee and enforce HOA rules.
Many HOAs are incorporated, which makes them subject to the laws of the state and may require them to file annual reports with the corporation commission, in order to remain in good standing.
People who purchase properties within an HOA jurisdiction become members of that organization, and they must abide by the rules contained within that organization’s bylaws and Declaration of Covenants, Conditions, and Restrictions (CC&Rs).
HOA rules, fees and restrictions vary. Some bylaws and CC&Rs are strict, while others are looser, typically focusing on how residents must keep properties maintained according to stated specifications. In a planned unit subdivision of single-family homes, for example, rules may include what types of landscaping are permitted, or exterior colors of paint, what kinds of fencing is allowed, and more.
They can include usage rules for common property, such as a pool, and typically outline penalties for rule violations, ranging from forcing a homeowner to comply to fees and, sometimes, litigation.
How Common Are HOAs?
Here are some recent statistics that will help you get an idea of how common HOAs currently are in the U.S.:
• Approximately 75.5 million Americans live in HOAs, cooperatives, or condominium units.
• 30% of all U.S. homeowners live in HOA communities.
• 28.2 million housing units in America are part of HOA communities.
As you see, HOAs are quite popular.
What Is an HOA Fee?
Now that you know a bit about what is a homeowners association, let’s look at those fees they charge. People who buy property in an HOA-governed condo or community usually must pay dues — also known as HOA fees — typically due monthly. These fees help to maintain common areas of buildings, such as lobbies and patios, and perhaps community clubhouses. These fees can cover maintenance on elevators or swimming pools, if applicable, or could be used for landscaping expenses, and so forth. Additional special assessments may be charged for major repairs, such as roof repairs.
Some studies suggest that average HOA fees range from $200 to $400 per month, although they can be as low as $50 and as high as $2,500 or more. It depends on the HOA complex, where it is, what amenities the project maintains, and sometimes on how the individual HOA is managed.
What’s most important when shopping for a new home is that you are clear about what fees would be assessed on your individual unit and whether that fits your budget.
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
When Considering an HOA Property
When considering whether or not to buy a property within a homeowners association, it makes sense to understand what you’d be committing to if you bought this property.
To get an understanding of how the organization operates, you can ask the board of directors if you could read minutes from meetings — if you have a real estate agent, they should be able to help you access records. This may give you a good overview of any challenges the organization is facing, and insights into how solutions are brainstormed and implemented.
Questions to investigate can include:
• What are the HOA fees each month? What do they cover?
• If the fees seem low, does it appear as though enough funds are collected to maintain general areas? What about meeting rooms, the gym, pool area, and so forth?
• If the HOA fees are higher than expected, do they seem excessive for what you’d get in return?
• Are homeowners also being charged special assessments to cover other costs? If so, how often and what are they?
• How many units are not paying their HOA fees? What are the consequences for that? Are penalties being imposed?
• If certain units don’t pay their HOA fees, can these unpaid costs be imposed upon other owners to make up the difference?
• If desired, will you be allowed to sublet your unit? Over what term and with what restrictions?
• Are you allowed to have a pet? If so, what restrictions exist? Ask to read a copy of the CC&Rs which is recorded public information.
• Does pending litigation exist against the HOA? If so, of what type? Does it involve, say, damage to one unit, or does it affect the entire organization?
If you have friends or family members who are part of this HOA, consider asking them what they like about living there, and what they don’t. If you have a friend or family member who owns housing under a different HOA, chat with them as well. Their insights can be valuable in regards to what questions to ask and issues to explore before buying.
You can also review the bylaws, which usually share voting rights of members, budget and assessment rules, meeting requirements, and so forth. Check to see what actions can be taken without a member vote — if they include raising assessments or creating rules, this could have an impact on your buying decision.
Recommended: Mortgage Servicing: Everything You Need to Know
Pros vs Cons of HOAs
There are several benefits of buying a property that’s part of an HOA. Consider these upsides:
• Guidelines to help maintain the look of the community, settle issues, and create harmony among residents.
• Enhanced quality of life and property values.
• Maintenance services so homeowners don’t need to do the work themselves or hire freelance help.
That said, there are also possible drawbacks to being part of an HOA. These can include:
• The cost of the HOAs fees can be prohibitively expensive, and the possibility of assessments can be financially challenging.
• Potentially restrictive guidelines that inhibit your freedom over your property (that is, you may not be allowed to have a certain kind of pet or put in solar panels).
• Those who run the HOA may be volunteers vs. skilled real estate professionals, which could lead to inefficiencies.
Can You Afford to Buy into an HOA?
When shopping for a new home or condo, one key consideration is how much you can afford for a house — with the true cost being more than just principal, interest, and homeowners insurance. If you are considering properties that have HOA charges, it’s vital to factor those in to make sure your budget is manageable.
You’ll need a down payment on the home. There are also property taxes, insurance, closing costs (which can run from 3% to 5% of the home’s cost, paid by the buyer and/or seller according to the contract). And there are expenses other than closing costs such as moving expenses, furniture costs, and more that should be considered as you grapple with how much you can afford.
Plus, you might want to have an emergency fund established for unexpected expenses, whether unanticipated housing repairs, or medical expenses, or something else entirely.
To help you figure out that affordable house payment number, you could check out our mortgage calculator.
Recommended: What Credit Score Is Needed to Buy a House?
What to Know About Mortgages and HOAs
There’s one more wrinkle to the topic of what is a homeowners association and should you buy into one: the impact it may have on securing your mortgage.
When you buy a property that is part of an HOA, you may need additional documentation for your lender. If your bid is accepted, the lender will likely request a homeowners association certification, called an HOA cert for short. This document provides your lender with a snapshot of how the HOA is being run, and may provide information such as:
• How old the project is
• Whether a condominium development was converted from an apartment building or specifically built as condo units
• How many units exist in the project
• How many units are occupied
• How many occupied units are owner occupied and how many are rented to someone else
• How much HOA fees are
• The amount of insurance on the project
If this information is requested, it will likely be reviewed to confirm that this property meets the lender’s loan eligibility guidelines. Because guidelines can vary from lender to lender and loan program to loan program, it makes sense to check with your lender of choice as soon as possible to determine if this financial institution considers your condo to be eligible for financing.
The HOA cert may also be obtained by the escrow/title company and provided to your lender, along with the relevant CC&Rs. This provides insight into any property restrictions and other aspects that may affect a home’s lendability and marketability.
Recommended: Home Loan vs. Mortgage: What You Should Know
The Takeaway
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
Why do HOAs exist?
Homeowners associations exist to manage and maintain common areas, to enforce community rules, and to collect and manage the finances used for community upkeep. Many people who participate in HOAs expect the association to help enhance their property values.
How much are HOA fees?
HOA fees vary widely based on the amenities offered by the development but most people can expect to pay at least $200 to $300 per month.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Buying a house is a major step, and planning to purchase a home can be a lot of fun. You get to figure out where you’d hang your favorite artwork, plant a vegetable garden, put the PlayStation — and maybe contemplate taking on some DIY projects yourself.
But there’s another, more nuts-and-bolts aspect to your pursuit of the American Dream: how to budget for a house. Most people in the U.S. are homeowners, with the latest Census data revealing that 65.6% had attained this status in the second quarter of 2024. So that’s a good indicator that buying your own home is within reach.
Doing so will likely require you to be smart about your finances, both as you save and then take on the responsibility of owning a home. To help you be successful in this pursuit, read on for the intel you need, such as:
• How do I know how much house I can afford?
• What are the costs/fees to consider?
• What will my ongoing costs be?
• How can I budget for a house?
Up-front Expenses
First, consider how much you would have to fork over if you find that perfect center-hall Colonial or loft-style condo. Once an offer on a new home is accepted, there are certain costs the buyer needs to pay right off the bat and, in most cases, out of their own pocket. These are called up-front expenses. Here are a few to prepare for as you consider how to budget for a house:
Down Payment
You may have heard of the traditional 20% down payment guideline, which helps you avoid paying private mortgage insurance (PMI) on applicable loan programs. Additionally, a higher down payment can sometimes result in better mortgage loan terms (such as a lower interest rate) which may translate into lower monthly mortgage payments.
Yep, it’s a lot of money to try to save, but if you can swing it, in the long run, applying a 20% down payment will likely save you from paying thousands of dollars in additional mortgage interest over the life of the loan. Can’t pull together that big a chunk of change? Look into your options for a mortgage lender with lower or no down payment. Some options:
• The minimum down payment for a first-time homebuyer on a conventional loan can be as low as 3%. You may also need a certain credit score of, say, 620, to qualify for this kind of mortgage.
• An FHA government loan that is open to everyone typically requires a down payment of at least 3.5%.
• Veteran VA loans or government USDA loans may allow eligible borrowers to finance up to 100% of their home’s cost. In other words, no down payment is required.
It’s worth noting that, regardless of the size of your down payment, buying may still significantly reduce your overall monthly expenses, compared to your current rent and real-estate market conditions.
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3% to 5% Closing Costs
You can likely expect to pay an estimated 3% to 5% of your home price for closing costs, and should save accordingly. For example, if you buy a home that costs $300,000, you may be required to pay between $9,000 and $15,000 in closing costs.
Worth noting: Some costs are fixed and not tied to the price. In these cases, the percentage can be higher for the lower range and lower for the higher purchase price range.
What exactly comprises closing costs? This can be bank charges like origination fees and any points you may have purchased to buy down your interest rate. There are also costs like the appraisal fee, a title search, and others.
Keep in mind that there are alternatives to paying the closing costs out-of-pocket, such as requesting a seller credit, requesting a lender credit, or tapping an applicable down payment assistance program. These can help you minimize this expense.
Moving Costs
Don’t forget when budgeting for buying a house that you will need funds to actually move in. Unless you’re lucky enough to have a generous pal with a van, you are probably going to have to hire a moving company when it’s time to get settled in your new home. The average cost of moving the contents of a three-bedroom home 1,000 miles is $4,800 according to research by U.S. News & World Report.
These costs can vary widely, of course. If you are moving with just a bedroom’s worth of furniture versus a whole house, your price tag will be lower. It’s wise to comparison-shop for moving companies and factor this expense into your own budgeting for a home move.
If you are moving for work reasons, check with your company to see if it offers a relocation package to help cover some or all of the moving costs.
New Furniture and Appliances
Your new house may not have the same dimensions and style of your old house. That could mean that you need to buy new furniture and appliances. When budgeting for buying a house, you might want to talk to friends or relatives who have moved recently and inquire about unexpected expenses as well. For example, it’s not uncommon when you move to have to purchase such items as new locks, shower rods, and window treatments. These can add up quickly.
You might want to start a savings account for these types of purchases — some of them may be unexpected and costlier than you imagined.
Recommended: First-Time Homebuyer Guide
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
Ongoing Expenses
Now that you’ve figured out the details related to the actual purchase, consider the expenses that will accrue once you are a homeowner. This is a very important step when budgeting for buying a house. These recurring charges are a vital part of the calculations of how much home you can afford.
Monthly Charges
First, consider how much you’ll be spending every month on your monthly mortgage payment and related costs. PITIA (principal, interest, property taxes, homeowners insurance, and other assessments) is an acronym describing all the components of a mortgage payment. Here’s how it breaks down:
• P: The principal is the “meat” of the monthly payment amount — paying down the principal will reduce the loan balance.
• I: Interest is what you are charged for borrowing the money.
• T: Taxes refer to your property taxes.
• I: This “I” refers to insurance. This includes both your homeowners and mortgage insurance, if applicable.
• A: The other assessments refer to things that may be applicable to the home you purchase such as homeowners association dues, flood or earthquake insurance, and more.
HOA Dues
HOA stands for homeowners association. These dues usually apply to a condo, co-op, or property owned in a planned community.
The charge is usually monthly (but it could also be charged quarterly or annually), and it typically goes to maintaining the community (landscaping, garbage collection, repairs, and upgrades).
Before purchasing a property with HOA dues, it can be important to ask the Homeowners Association for a complete HOA questionnaire. With this in hand, you can view how healthy the association is, whether there is any outstanding litigation due to structural or other issues, etc. These could mean increased costs down the road.
Maintenance and Lawn Care
Your budgeting probably won’t stop once you’ve moved and settled into your new home. Expenses will likely continue to knock on your door — landscaping, roof repair, and water heater replacement are just a few items that might require ongoing financial consideration.
You may want to budget for 1% to 4% of the cost of your home in maintenance each year to pay for these expenses. However, deferred maintenance costs may require more funding, depending on the age, quality of construction, where you live, and more.
Pest Control, Security, Utilities
The cost of electricity, gas, water, and internet services differ from market to market. This is also true with pest control, and services that help ensure your home is secure and safe. You could find yourself paying more (or even less) for these services in your new home.
How Much House Can You Afford Quiz
Planning Ahead
So now that you understand the costs associated with homeownership, whether they are one-time or ongoing, you can get to work on how to budget for a house.
Ideally, you want to cover the homebuying costs and then be able to afford your monthly carrying costs without racking up debt. The standard advice is that your monthly housing expenses should account for up to 28% of your monthly pre-tax income. Given how expensive some housing markets can be, it’s not uncommon to find people spending more than that right now.
Here, some advice on figuring out what you can afford.
Target Mortgage Costs
Do your research on the different types of mortgage loan programs. Determine what your price range is given the current interest rates. Find the programs that may best suit you, so you’ll feel confident you can bid and afford a home once you have your down payment saved. Don’t forget to factor in those other PITIA expenses mentioned above as you think about your own monthly income and cash outflow when you’re a homeowner.
Build a Budget
Once you have these costs calculated, you can then start budgeting for buying a house. You’ll want to accumulate your down payment, while taking care of current bills and other financial obligations, of course.
• Create a line item budget. You’ll want to note how much money you have coming in and how much goes out toward your needs (housing, food, medical expenses, debt repayment). Then you’ll see what’s left for your wants (think travel, dining out, clothes, entertainment) and start saving it, whether for your future home or retirement.
Don’t skimp, though, on establishing an emergency fund. In a pinch, these funds can keep you from using your credit card and running up even more debt.
• Assess where you can save more. To ramp up your savings for your house, look for ways to economize. Could you drop a subscription or two to streaming channels, or perhaps eat out less often?
Also see what you can do to avoid high-interest credit card debt, which can take a bite out of anyone’s budget. You might want to take advantage of a zero-interest balance transfer credit card offer, or investigate whether a lower-interest personal loan could help you pay off your debt and save money.
• Use automatic transfers. Help yourself hit your savings goals by automating payday transfers from checking to savings. That way, you won’t see the cash in your account and be tempted to spend more.
• Bring in more moolah. If the numbers aren’t adding up to bring your homebuying plans within reach fast enough, consider using windfalls (a tax refund, a bonus at work, a birthday gift of cash from a relative) to plump up your savings. Also think about ways to bring in more income, whether by asking for a raise or pursuing a side hustle.
The Takeaway
Budgeting for buying a house requires thinking about both short-term costs, such as a down payment, closing costs, and moving expenses, as well as long-term costs such as homeowner’s insurance and maintenance expenses. It’s wise to look at both before you pursue a mortgage preapproval or make an offer on a home.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
How much money should you save before buying a house?
If possible, you should save enough money for a down payment on a house in the price range you’re thinking about. But you don’t need to make a 20% down payment — many homebuyers put down less, and some government programs will allow you to buy with no down payment at all. You’ll also want to have closing costs on hand (3% to 6% of the home’s price). And it’s wise to always have an emergency fund in case of an unexpected setback.
How much do I need to earn to afford a house?
How much you need to earn to afford a house depends on the housing market you’re looking in and the area’s overall cost of living. The national average salary is $63,795 and at that salary you may be able to afford a home priced at $180,000. Use a home affordability calculator to explore the numbers for your specific situation.
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SoFi Mortgages Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
Chicago may be famous for its eye-catching skyline and iconic deep-dish pizza, but the city’s true charm lies off the tourist path. Whether you’re an adventurer, a crafty soul, a foodie, or simply looking to relax, there’s plenty of unique things to do in Chicago, IL..
Whether you’re in the market to buy a home in the city, have your eyes on an apartment, or looking to rent a house in the area, you’ll soon find there’s plenty of unique things to do in Chicago. First-time visitors, new residents, and lifelong locals alike will discover hidden gems that make you fall in love with the Windy City.
1. Unleash your creativity
Chicago is renowned for its rich artistic heritage and vibrant art scene. Whether you’re looking to enrich your skills or just enjoy a creative escape, the city offers endless possibilities to foster your creativity.
Express your artistic skills
If you’re looking to enhance your art skills or indulge in a creative escape, head to The Paintbrush, a beloved art studio nestled in Lincoln Park where they offer art classes and events for kids as well as their After Dark adults program which has featured events like “Art and Wine Night” or “Sip and Slime.”
Try your hand at street art
Always admired street art and wish you could try it yourself? Head to The Studio W.I.P in Uptown, where you can dive into the world of street art through their hands-on Spray Paint workshops. If you prefer to appreciate the art from afar, join a Chicago street art tour and explore the vibrant murals around the city. Gabby at The Studio W.I.P shares, “the perfect way to end your night is with some prime hole-in-the-wall pizza at Gigio’s Pizzeria.” Here, you can expect to satisfy your taste buds with classic and satisfying traditional pizzas.
Experiment with different mediums
Not an artistic person yourself but have a little one who wants to explore their creativity? Easel Art Studio, located in Ravenswood and Bucktown, offers all avenues of art including classes like Food Art, Printmaking, and Portfolio Lab. Each class is focused and led by talented instructors who ignite every child’s imagination and encourage artistic freedom.
2. Serving sports beyond the stadium
Chicago is a city that lives and breathes sports, but the action isn’t limited to just watching from the stands. For those eager to get in on the excitement, the city offers hands-on experiences that go beyond the ordinary, catering to both adrenaline seekers and casual enthusiasts.
Hit the slopes year-round
Check out Snowlike Studio, the only indoor ski and snowboard spot in the area. Located in Schaumburg, IL, this unique venue offers a chance to hit the slopes year-round, whether you’re a beginner or a pro, young or old.
Photo courtesy of Snowlike Studio
Eat, drink, and swing
For an unforgettable game night, head to The Barn Hockey Bar and savor a chef-driven menu with friends, sip on ice-cold beverages, and enjoy nonstop fun in a lively atmosphere. Need a break from the action? Swing by the “Gilmore Room” in the back, featuring two state-of-the-art golf simulators for some friendly competition between periods.
The pregame before the game
Start your pre-game adventure just a short walk away from the ballpark at Café Tola on Southport. You can enjoy Chicago’s best empanadas and horchata lattes in a vibrant setting that gets you ready for the exciting game ahead. This beloved café provides the perfect on-the-go snack before you make your way to Wrigleyville for a Cubs game.
3. Take your taste buds on an adventure
Chicago’s food culture is a colorful tapestry of flavors and experiences. The city blends diverse culinary traditions with local innovation, offering a dynamic array of dining options that cater to every palate and occasion.
Sip and savor with friends
Located in two Chicago locations, get a feel for the cool industrial energy at Fulton Market or the history charm meets modern artistic vibe at Logan Square when visiting Federales Bars for a bite to eat. “If you’re new to the city, you have to try Federales,” Tonia Rudny at Feed Media shares, “both locations offer tasty margaritas, handmade taquitos, Chicago’s best guacamole, and 15+ creative tacos. Plus, monthly specials, a great happy hour, and a weekend brunch you can’t sleep on.”
If a sports game and live music is more your speed, head to Joe’s Bar on Weed St. This six-time Academy of Country Music Award winner for Nightclub of the Year, has been the go-to place for both local and touring country acts for 27 years. Not only is it a music hotspot, Joe’s is also one of the city’s largest sports bars, featuring alumni and fan clubs for teams like the Carolina Panthers and the Pittsburgh Steelers.
Photo courtesy of Federales Bar
Experience global flavors
Satisfy your craving for a European vacation at Cafe Cremerie, where the flavors and ambiance of Europe come to life. This charming spot invites you to indulge in exquisite sweets, savory bites, rich, smooth coffee, and a curated selection of wines—all set within a warm, inviting atmosphere that transports you straight to the heart of Europe, no passport required.
Continue your global culinary journey at ROOH, one of Chicago’s top modern Indian restaurants. Known for blending authentic flavors with unexpected local ingredients, ROOH offers a dining experience that’s both innovative and true to its roots. Don’t miss their new tasting menu, crafted in collaboration with a Michelin-starred chef from the Netherlands, for a promising fusion of international tastes.
For a touch of Ireland without leaving the city, get up early on the weekend for a rugby or Premier League match at Mrs. Murphy’s. Enjoy a full Irish breakfast at this imported Irish bar, complete with an authentic pub experience. If you’re not into pints or whiskey, join the lively music session, sign the kids up for Irish music lessons, or pick up imported Irish chocolates, biscuits, and sausages from the shop.
Fine dining lovers
For an approachable fine-dining experience, Boka is a must-visit Michelin-starred restaurant located in the heart of Lincoln Park. With a stunning main dining room, a cozy patio, and a bar serving delicious handcrafted cocktails, Boka offers an elevated yet welcoming atmosphere that makes every visit special.
4. Feel the buzz of live entertainment
If you’re in need of a good laugh, KOVAL Comedy at Chicago Comedy Works delivers both top-notch stand-up and specialty cocktails. Each show features some of Chicago’s best comedians, and to make it even better, all proceeds benefit a local nonprofit partner for the night. Whether you’re rounding up friends or flying solo, it’s the perfect way to enjoy an evening of laughter and support the community.
5. Discover local treasures
Chicago is a shopper’s dream for finding unique and eclectic items. With its rich vintage scene, the city offers a range of opportunities to discover distinctive pieces, from rare antiques and one-of-a-kind home decor to hidden literary gems.
Time travel through vintage finds
For a rotating shopping adventure, check out the Vintage House Chicago pop-up, perfect for all your thrifting needs. Popping up twice a month at different city locations, Vintage House features a mix of vintage and handmade vendors, offering everything from 1920s pieces to Y2K styles.
If home decor for your new home is what you’re after, look no further than Vintage Grind House. Located in Chicago’s Irving Park area, explore one of the largest collections of truly eclectic vintage furniture including chairs, sofas, lighting, art and one-of-a-kind knick-knacks. Be prepared to spend hours browsing through turn of the century antiques, mid century modern, post modern, contemporary furnishings and everything in between.
Photo courtesy of Media Meade (@oppungo) | Vintage House Chicago
For the bookworms
For an intimate literary escape, visit Tangible Books at 3326 S. Halsted. This cozy shop caters to Chicago’s literati and book lovers, with owner Bob always on hand to chat and help you discover your next great read. Don’t miss their periodic events, like the poetry readings and open mic nights hosted by Vittorio Carli every first Saturday of the month. Plus, if you’re looking to declutter your bookshelves, Tangible Books offers a convenient way to recycle your reads.
6. Explore Chicago from every angle
Taste the history
While you’re exploring Chicago’s diverse neighborhoods and soaking in the local culture, taking a Chicago Foodways Tour is another great step to deepen your connection with the city. The tours highlight the stories of Chicago’s immigrant communities and the delicious cuisines they’ve brought with them, from the hidden gems of Andersonville to the vibrant flavors of Uptown and Lincoln Square. It’s a perfect way to experience the city’s global culinary landscape while learning about the people who shape Chicago’s cultural fabric.
Uncover the dark secrets
Dig into the dark side of Chicago’s history with the thrilling Gangsters and Ghosts Tour. This unique experience blends history and mystery as you walk through the same streets once ruled by notorious mobsters like Al Capone. Expert guides will share chilling stories of power, crime, and the supernatural while you visit haunted landmarks that vividly bring Chicago’s dark past to life.
7. Set sail
To truly experience life in Chicago, take it in from the other side of Lake Shore Drive with KnockOut Charters. Whether you’re cruising to Soldier Field for a Bears game, enjoying a sunset cruise after dinner on the river, exploring the skyline on a private architecture tour, or relaxing in the playpen with your friends, taking a ride on the water offers a unique and unforgettable way to explore the city.
Unique things to do in Chicago, IL: Final thoughts
Chicago is a city that thrives on its diversity, offering an array of experiences that go beyond the typical tourist stops. Whether you’re just in the beginning phases of thinking about moving to Chicago or you’re a lifelong resident, there’s something for everyone. you’re exploring local art scenes, trying new sports, indulging in the city’s culinary offerings, or unearthing vintage treasures, there’s always something unexpected to discover.
Do you want to know how to save for a baby in 9 months? Having a baby is exciting and joyful, but it also brings new costs. Getting your finances ready in the months before your baby arrives can make things easier. Saving for a baby in just nine months is possible if you plan…
Do you want to know how to save for a baby in 9 months?
Having a baby is exciting and joyful, but it also brings new costs. Getting your finances ready in the months before your baby arrives can make things easier. Saving for a baby in just nine months is possible if you plan and budget well.
To get ready for these changes, you might need to change how you spend money now and save up for future costs. It’s a good time to think about where you can save and how to use your money wisely for your growing family.
Best Ways To Save for a Baby in 9 Months
Below is how to save for a baby in nine months.
1. Set a budget
The very first thing you should do if you want to learn how to save for a baby in nine months is look at your budget.
Setting a budget involves taking a good look at your current finances and figuring out how much money you’ll need to save for baby-related expenses. This will help you plan and avoid any big financial surprises.
First, you need to know where your money is going. Track all your income and spending for a month or two. Include everything like rent, groceries, utilities, health insurance, life insurance policy, and entertainment. Also, don’t forget about annual or longer-term expenses, like possibly a car insurance payment that only comes up every six months or a property tax bill.
Use a spreadsheet or budgeting app to list all your expenses. And, break down your spending into categories like housing, food, transport, and bills.
Next, review your financial statements, such as bank accounts, credit cards, and any loans. Note any areas where you might be able to cut costs. For example, can you dine out less or cancel unused subscriptions? Can you negotiate any of your bills or shop around to get a better rate?
Finally, total up your monthly income and compare this with your total expenses. This will help you see if you need to make changes to save for baby expenses.
You can learn more at How To Create A Budget That Works.
2. Calculate baby-related expenses
Now, let’s figure out how much money you’ll need for the baby. As everyone knows, having a baby can be expensive!
You can start by listing one-time larger expenses for things like a crib, stroller, and car seat. Then, there are many smaller expenses, like blankets, changing table, diaper bag, swing, rocking chair, dresser, crib mattress, and more (you don’t need everything on this list, though).
Next, think about monthly expenses such as diapers, formula, and baby clothes. And, if you plan on breastfeeding, don’t forget that there may be higher costs with that as well (many people think that breastfeeding is free, but that’s not always the case). Even if you are breastfeeding, you may have costs related to creams, pads, a breast pump, a lactation consultant, and more.
Medical costs can also add up quickly, so you will want to check what your insurance covers for prenatal and postnatal care. You will want to think about what you may have to pay out-of-pocket when/if you go to the hospital for labor, any midwives you may use, and more.
You may also want to think about childcare costs, whether it’s daycare, a nanny, or a babysitter.
Don’t forget to include potential changes in income, especially if you or your partner plan to take time off work.
And then, there are bigger-picture expenses that you may eventually want to start thinking about as well, such as college savings and starting a college fund.
Remember to adjust your budget as needed. Babies grow fast, so your spending will change. Be flexible, and update your budget to meet your baby’s needs.
3. Cut unnecessary expenses
If you need to find more money in your budget and stretch your paycheck, then I recommend looking at your current spending and finding areas where you can cut back. Every dollar saved can go toward your new baby.
Here are some ideas:
Skip eating out frequently. Cooking at home saves a lot of money. Plus, you can make extra portions for leftovers.
Evaluate your subscriptions. Do you need all those streaming services? Cancel the ones you use the least.
Stop buying expensive coffee every day. Brew your coffee at home instead. It’s much cheaper and can be just as tasty (plus, it saves you valuable time).
Limit buying new clothes. See if you can make do with what you already have or shop at thrift stores.
Avoid impulsive buys. Always make a shopping list and stick to it. This helps you avoid buying items you don’t need.
Cut down on travel costs. Save on gas by combining errands into one trip and using public transportation when possible.
Reduce utility bills. Simple actions like turning off lights and unplugging devices can lower your electricity costs.
Look for deals and coupons for groceries and household items. Many stores offer discounts that can help you save a lot.
Now, of course, not everyone will want to do everything on the list. You may want to just try one or two, or you may decide to do them all. It is personal and it all depends on how much money you want or need to save.
Every little bit helps. By cutting unnecessary expenses, you’ll free up money that can go toward preparing for your baby’s arrival.
4. Meal plan and bulk cook
One smart way to save money and reduce stress is by meal planning and bulk cooking freezer meals before your baby is born.
This strategy allows you to prepare meals in advance and freeze them, so you’ll have ready-to-eat options when you’re too busy with the baby to cook.
By buying ingredients in bulk and preparing meals ahead of time, you can save a significant amount on groceries, avoid the temptation of takeout, and make sure you’re eating well during those hectic early days of parenthood.
Plus, having meals ready to go in the freezer means one less thing to worry about as you adjust to life with a newborn.
Some easy meals that you can make ahead include:
Lasagna – A classic dish that freezes well. You can make a big batch, portion it out, and freeze it. When you’re ready to eat, just pop it in the oven.
Stir-fry – Cook chicken and your favorite vegetables with a simple sauce. Freeze in portions and serve over rice or noodles.
Chili – A hearty and versatile meal that’s easy to freeze. Make a large pot, and freeze it in individual portions. It’s perfect for quick lunches or dinners.
Casseroles – Dishes like shepherd’s pie or chicken and rice casseroles are ideal for freezing. They can be made in bulk and heated up in the oven.
Soups and stews – These are some of the easiest meals to freeze. Options like vegetable soup, beef stew, or chicken noodle soup can be made in large batches and stored in the freezer for later use.
Burritos – Assemble burritos with fillings like beans, rice, chicken, or beef. Wrap them individually and freeze. They’re great for quick, handheld meals.
Meatballs – Cook and freeze meatballs in marinara sauce. They can be served with pasta, in a sub, or as a quick protein-packed snack.
Quiche – A versatile dish that can be filled with various vegetables, meats, and cheeses. Bake, cool, and freeze for a quick breakfast, lunch, or dinner.
These meals are easy to prepare in large quantities, freeze well, and can be reheated with minimal effort – perfect for those busy days after the baby arrives.
I really wish I would have done this before I had my daughter. I think it would have been a lifesaver! I have a friend who recently had a get-together (during her pregnancy) with all of her friends and they spent all day prepping meals for her. I thought this was a wonderful idea and so sweet.
I recommend reading 15 Delicious, Easy Freezer Meals For New Moms & Dads to see more ideas.
5. Use cash back apps
Cash back apps can be a great way to save money. These apps give you a percentage of your spending back in cash or rewards.
My favorite cash back apps are:
Fetch Rewards – This is my absolute favorite cash back app, and you can get points back on ANY grocery store receipt, and then eventually turn your points into gift cards.
Swagbucks – This is a rewards site that will give you cash back as well as help you make some extra money online.
Rakuten – This is my favorite cash back site for when shopping online as almost every store is listed on this website.
Upside – This app is a great way to get cash back on your gas purchases.
Honey – This app is great for online shopping and coupon codes.
Cashback apps can make a difference. Every little bit adds up when you are preparing for a baby.
6. Buy secondhand baby gear
One of the best ways to save money when preparing for a baby is to buy secondhand baby gear. Babies grow quickly and tend to use items for only a short time. This means you can find gently used gear at a fraction of the cost.
And, you can often find high-quality brands that are built to last when shopping secondhand! Baby strollers, cribs, and high chairs are usually available in good condition if you shop around. Make sure you inspect these items carefully for any damage or missing parts.
Shopping for used baby clothes can also save you a lot of money. Babies outgrow clothes so fast that you can often find barely worn outfits at thrift stores or online marketplaces.
You can find secondhand baby items at places like thrift stores, online marketplaces, and even through friends and family.
Some of the most popular ways to find used baby gear include:
Once Upon a Child
Goodwill
Salvation Army
Poshmark
Facebook Marketplace
Buy Nothing groups on Facebook
Local parent groups on Facebook – I’m a part of a local mom group in my area, and moms are always giving away free things, such as strollers, clothes, diapers, and more.
7. Find ways to make extra money
There are many ways to make money while preparing for a baby.
Here are some ideas:
Freelancing – You can freelance in areas like writing, graphic design, proofreading, or social media management.
Selling unused items – Go through your home and sell items you no longer need, like clothes, electronics, or furniture. Platforms like eBay, Poshmark, and Facebook Marketplace make it easy to sell your items locally or online.
Taking online surveys – Answer online surveys through platforms like Swagbucks, Survey Junkie, or Branded Surveys. While not a huge income, surveys can help you make some extra cash or gift cards that can be used for baby-related expenses.
Providing babysitting or pet sitting services – If you have experience with kids or pets, you may want to babysit or pet sit. Websites like Care.com, local Facebook groups, and Rover can help you find clients.
Starting a side hustle – You may want to try starting a small side business, like selling printables on Etsy, blogging (this is what I do so that I can work from home!), or bookkeeping. A side hustle can grow into a steady source of income over time.
You can learn more at 16 Best Jobs for Pregnant Women.
8. Find cheap or free diapers
Diapers can be one of the biggest expenses for a new parent. Buying them on sale or even finding them for free is a smart way to save money.
Some ways to get free or cheap diapers include:
Ask in a Buy Nothing group on Facebook – Join local groups where people give away items they no longer need, including diapers.
Join rewards programs – Sign up for programs like Pampers Club or Huggies Rewards to earn points that can be redeemed for free diapers.
Sign up for diaper coupons – Register on diaper brand websites to receive coupons and promotions via email.
Check online marketplaces – Look for free diapers on Craigslist, Facebook Marketplace, and Freecycle.
Visit local diaper banks – Access free diapers through local community organizations or diaper banks.
Apply for government assistance – Explore programs like TANF that may offer diaper allowances.
Use the National Diaper Bank Network – Find a nearby diaper bank through this network’s resources.
Reach out to nonprofit playgroups – Connect with local playgroups that provide free diapers to families in need.
Add diapers to your registry – Include diapers on your baby registry or create a diaper fund for your baby shower.
Use cloth diapers – Save money by using reusable cloth diapers instead of disposable diapers.
I recommend reading How To Get Free Diapers: Free Diaper Boxes, Samples, Coupons to learn more.
9. Build an emergency fund
An emergency fund is a savings account for unexpected expenses. This might include medical bills, car repairs, or sudden job loss.
This is something that I highly recommend having because it will help to lessen your stress level a little bit once the baby comes. This money gives you peace of mind when life throws you a curveball.
I recommend that you aim to save enough to cover 3 to 6 months of living expenses. But, you should definitely start small if you need to. Setting aside $1,000 is a good first goal. Even a little cushion can prevent you from going into debt.
Then, save what you can each month. Even small amounts add up over time, and this makes your emergency fund grow slowly and steadily. If you get a tax refund, use it to increase your emergency fund. Extra money can help you reach your goal faster.
And, keep your emergency fund in a separate savings account. It should be easy to access but not too easy to spend.
I personally use Marcus by Goldman Sachs for my emergency fund as they have a very high rate. You can get up to 4.40% at the time of this writing through a referral link bonus. According to this high-yield savings account calculator, if you have $10,000 saved, you could earn $440 with a high-yield savings account in a year. Whereas with normal banks, your earnings would only be $46. That’s a big difference!
Building an emergency fund takes time, so be patient. Consistency is key and I recommend that you keep contributing whenever you can.
Frequently Asked Questions
Saving for a baby can be tough, but it’s doable with the right plan. Here are some common questions and helpful tips to guide you as you get your finances ready for your new family member.
What are the top ways to save money for my baby’s first year?
To save money for your baby’s first year, I recommend that you find ways to cut unnecessary expenses wherever you can. Try meal planning and bulk cooking to save on food, use cash back apps to get some money back on purchases, and find ways to make extra money.
How much to save for baby’s first year?
Deciding how much to save for your baby’s first year is hard. You can expect to spend on things like diapers, formula (or breastfeeding items), and baby gear. Diapers and wipes might cost around $50 to $100 per month. Formula can add another $100 to $150 each month. Also, include costs for clothes, toys, and medical bills.
What to do if not financially ready for a baby but pregnant?
If you are not financially ready for a baby, but you are currently pregnant, there are things that you can do. I recommend that you reach out to community resources or government assistance programs for help as many areas give free or low-cost baby supplies. You can also ask friends and family for hand-me-downs. Start saving whatever you can now; even small amounts help.
Is 9 months enough time to prepare for a baby?
Yes, nine months can be enough time to prepare for a baby. Start by making a plan and budget right away. Cut back on unnecessary spending, use this time to save as much as you can, and look for deals on baby items.
How expensive is having a baby?
Having a baby can be expensive. The first year alone can cost several thousand dollars. Baby gear, diapers, formula, and medical bills add up quickly. Planning, budgeting, and finding ways to save can make these costs more manageable.
How To Save for a Baby in 9 Months – Summary
I hope you enjoyed this article on how to save for a baby in nine months.
Getting ready financially for a baby in nine months might feel like a lot, but with some planning, it can be doable.
By making a budget, cutting out extra spending, and thinking ahead about baby costs, you can save a good amount of money before your baby comes. You can save even more by planning meals, cooking in bulk, using cash back apps, and buying used baby items.
Every bit of savings helps, and by starting now, you’ll be more prepared to welcome your baby without worrying about money.
What do you think are the best ways to save for a baby in 9 months?
Situated in the heart of Montana, Billings is a beautiful city brimming with rich history, stunning landscapes, and a quirky charm that’s distinctively its own. While many newcomers might first think of what Montana is more commonly known for, this gateway to the Yellowstone region is bursting with unique adventures waiting to be discovered.
Whether you’re browsing for apartments in Billings, checking out homes for sale, or seeking a rental property, you’re in for a delightful experience. If you’re ready to dig deeper and discover unique things to do in Billings, MT, read on to explore the enchanting side of the city and find out what makes Billings a good place to live.
1. Explore by paddleboard
Paddleboarding on the Yellowstone River in Billings offers a serene and scenic escape from the city’s hustle and bustle. Gliding over the gentle currents, you’ll enjoy stunning views of the surrounding landscapes and the chance to spot local wildlife.
Jenny Dow, Area Director at Fellowship of Christian Athletes, shares, “We love to take paddleboards down the Yellowstone River from Duck Creek Access to Blue Creek. The water is great a couple of weeks after the peak in early June and can get slower and shallower as the summer progresses.”
For both seasoned paddlers and beginners, this peaceful adventure provides a perfect way to connect with nature and soak in the beauty of Montana.
2. Hunt for thrifted treasure
Going thrifting in Billings is a delightful adventure for those seeking unique and vintage treasures. The city’s thrift stores offer a diverse array of items, from retro clothing to charming home décor, each with its own story to tell. As you sift through racks and shelves, you might uncover secrets and one-of-a-kind finds that add character to your collection.
One spot that is a must-stop is 406 Consignary, where their popup consignment brings in crowds from all over the state. After refining their thrifting technique, the shop offers boutique and name-brand items up to 50-70% off the retail price. With thousands of clothing pieces to choose from, there’s sure to be something for everyone.
3. Experience vintage cinema
Catching a film at a historic movie theater in Billings is like stepping back in time, where classic charm meets cinematic nostalgia. Art House Billings, located at the vintage Babcock Theatre, and Art House Cinema & Pub screen a diverse mix of films, from the latest releases to unforgettable classics. Sit back with a cold beer in hand and fully relax as you let the ambiance of the vintage theater enhance your experience.
4. Move and groove
Whether you’re looking to learn how to country swing or line dance, diving into the dancehall culture is a great way to experience a unique thing to do in Billings. Taking lessons is a fun way to enjoy both fitness and a true understanding of life in the West. Treasure State Country Entertainment is a hotspot for beginners and seasoned dancers alike where they can find a supportive environment to learn and improve their skills. The lively atmosphere captures the spirit of Montana, blending the excitement of dance with the charm of the region. Plus, it’s a great way to meet new people and immerse yourself in the local traditions.
5. Discover retro finds for your home
Shopping at vintage stores is often a treasure hunt for unique and charming finds that reflect the area’s rich history. These shops offer an eclectic mix of retro clothing, classic home decor, and one-of-a-kind antiques, making each visit an adventure.
Kassi Strong, a local small business advisor, suggests, “If you’re new to Billings, I recommend taking a walk through the various vintage stores downtown including Yesteryears, Marketplace 3301, Montana Vintage Clothing, and Studio Ernie. You’re sure to find an amazing piece of furniture for your new home or a hat to warm up in the cold Billings winters. There are also a few rotating vintage shows, such as The Prairie Sisters Vintage Market, that bring amazing vintage and handmade vendors to town a few times each year.”
So, grab your wallet and friends and set aside a day to immerse yourself in the charming vintage scene of Billings.
6. Sleigh the day away
Taking a cozy sleigh ride at 320 Guest Ranch offers a charming glimpse into Billings’ winter beauty, with snow-covered landscapes and crisp, fresh air. As the sleigh glides through the serene surroundings, the rhythmic jingle of the bells and the gentle clip-clop of the horse’s hooves create a soothing atmosphere. It’s a perfect way to experience the region’s picturesque scenery and enjoy a peaceful, nostalgic adventure.
After taking in the scenic view, warm up with hot cocoa by the fire and unwind in rustic, comfortable accommodations that make you feel right at home.
7. Unwind with coffee culture
Visiting a coffee shop provides a cozy retreat from the everyday hustle, where you can savor expertly brewed coffee and enjoy a welcoming atmosphere. Many downtown spots offer unique blends and artisanal pastries, perfect for a relaxing morning or a productive afternoon.
One spot that locals love is Poly’s Place Coffee, an old gas station turned retro coffeehouse that features delicious casseroles and pastries. From Rocky Mountain College students to neighbors chatting on the patios, Poly’s Place Coffee strives to “Brew Happiness…One Cup at a Time.”
Sheena Ernst, owner and chef at The Wild Table, a nearby private chef and cooking class company, shares her favorite coffee shop, “I would check out Black Dog Coffee in Roots Garden Center. Not only can you grab one of the best cups of coffee in town, which also happens to be brewed from local beans, but you can take your cup of coffee to any corner of the garden nursery to enjoy.”
8. Tap into a brewery
The lively atmosphere of a brewery is hard to beat when it comes to finding unique things to do in Billings. Savoring freshly crafted beers, paired with delicious snacks, enhances the experience.
Carter’s Brewing is a craft brewer that produces world-class ales and lagers true to style with locally sourced ingredients. With 24 delicious beers on tap that range from malty to hoppy, the taproom also features two patios, so you can sip your brew in the Montana sun.
Whether you’re a beer enthusiast or just looking to enjoy an engaging social setting, a brew pub visit provides a flavorful and laid-back outing.
9. Swing for the ballpark
Attending a Billings Mustangs baseball game offers a lively and eventful day, where the excitement of America’s pastime meets a close-knit community atmosphere. The ballpark buzzes with energy at every game as fans cheer for the Billings Mustangs, enjoy classic ballpark snacks, and soak up the local spirit.
“The Mustangs have been a staple of Billings since 1948 and many major league stars have passed through on their way to the Majors,” says Dave Heller, President & CEO of management company, Main Street Baseball. “Be sure to check out the ‘Stang Burger and the play area for the kids.”
Heading to a Billings Mustangs game is a “grand slam” of an outing, where every inning hits a home run with fun and excitement.
10. Wander through art
Exploring ArtWalk Downtown Billings invites you to immerse yourself in a dynamic display of creativity, as galleries and artists showcase their latest works. Since 1994, ArtWalk Downtown Billings has curated an event for locals and visitors to meander through that includes opportunities to make art, activities, live street theater, and more.
As you stroll from one exhibit to the next, you might stumble upon new favorites and even get the chance to chat with the artists themselves. Exploring the curated art of Billings’ urban scene offers a special way to dive into and appreciate the rich artistic landscape of the city.
11. Kick back in a bar
In Montana, slipping into a laid-back bar feels like stepping into a cozy, rustic retreat where time slows down. With the relaxed ambiance, it makes it easy to unwind and savor the simple pleasures of the great outdoors.
“As long-time bartenders, we appreciate the value in good food, beverages, and customer service. As business owners who work from home, we also appreciate the establishments that offer a relaxed, mid-afternoon, vibe where we can get work done. This is why we love Bin 119,” states Amber Child-Mathews, co-owner of The Tin Tavern.
“This restaurant and wine bar has been a food and beverage staple in the Billings community, and they recently revamped their menu and concept. This establishment is a must for new Billings residents and visitors.”
Unique things to do in Billings, MT: Final thoughts
Billings is an incredible spot to discover unique things to do that extend far beyond the ordinary. As the largest city in Montana, Billings invites you to explore and uncover its many layers, from its hidden cultural treasures and quirky attractions to its breathtaking natural wonders and local culinary delights. If you’re thinking about becoming a new resident, be sure to embrace the adventure and let this vibrant city surprise and inspire you.
Joanna Gaines has become a household name in the world of interior design, thanks to her warm, inviting style that perfectly blends modern farmhouse charm with timeless elegance. Known for her keen eye for detail, Joanna’s approach to home decor is all about creating spaces that feel cozy, functional, and beautifully personalized.
Whether you’re a longtime fan or new to her style, this Rent. guide details inspired decor ideas to bring a touch of Joanna Gaines magic to your home whether you’re looking at homes for sale in Waco, Texas, thinking about renting a home in Dallas, or looking for your first apartment in Austin, TX.
Rising in the design and DIY world
Joanna Gaines’ journey to design stardom began in Waco, Texas, where she and her husband, Chip Gaines, started their business, Magnolia Market, in 2003. Initially a communications major at Baylor University, Joanna discovered her passion for design while working at her father’s tire shop and experimenting with home renovations.
Her big break came in 2013 when HGTV cast the couple in Fixer Upper. The show became a hit, showcasing Joanna’s creative vision and Chip’s construction skills as they transformed neglected properties into beautiful homes. Joanna’s approachable “modern farmhouse” style — featuring shiplap, neutral palettes, and natural elements — quickly resonated with viewers, redefining home decor for a broad audience. As Fixer Upper grew in popularity, so did the Magnolia brand, expanding into home decor lines, a magazine, best-selling books, and the Magnolia Network.
Gaines’ influence on design today
“Joanna Gaines and the Fixer Upper series crafted our view of interior decorating and helped shape our work at Wachusett Woodworks,” Elizabeth with Wachusett Woodworks emphasizes. “Shaker-style cabinetry cleans up a space and is versatile in a modern farmhouse or a sleek city apartment! We enjoy bringing this look into our clients’ homes through built-ins, stand-alone cabinets, and furniture.”
“Joanna Gaines has had a huge influence on the design world, particularly by helping to popularize the “modern farmhouse” design aesthetic. Featuring strong primary colors on the exterior (think: black, white, navy, etc.), cozy front porches surrounded by magnolia trees, and a warm, inviting feel on the inside: this modern farmhouse movement has extended way beyond Texas, to nearly every state in the country,” explains lifestyle and travel blogger Noelle Bertram. “With a neutral color palette on the inside, Joanna’s design aesthetic also works for French country and more traditional homes. But perhaps her strongest design signature? She always adds a personal touch to the home: whether it’s having the family’s favorite quote engraved on a wall, or framing cherished photos and placing them in a special nook. There’s always something personal for each specific family.”
Joanna Gaines’ influence has become a transformative force in both business and design, making home renovation and decor accessible and relatable. Through the Magnolia brand, she has built a lifestyle empire that includes retail, media, and publishing, inspiring a new generation of designers and entrepreneurs.
Making your home a Magnolia masterpiece
Gaines’ blend of creativity and business acumen has fueled trends like farmhouse-inspired interiors and the rise of DIY home projects, solidifying her status as a trailblazer in the design world. Follow these expert tips to replicate the look, style, and feel that makes Magnolia Home so comforting and classic.
Disclaimer: For those living in rental properties or apartments, please ensure that any significant changes to your living space are approved by your landlord and do not violate your lease agreement. Always check with your property management before making alterations to avoid any potential issues.
1. Embrace a neutral, natural palette
One of the hallmarks of Joanna Gaines’ design style is the use of a neutral color palette to make rooms look bigger and brighter. Shades of white, cream, beige, and soft grays create a calm and soothing foundation. This doesn’t mean the space has to be devoid of color; rather, it sets the stage for subtle pops of accent colors and textures through accessories like throw pillows, rugs, light fixtures, or artwork.
“Joanna Gaines’ design style truly feels like a warm embrace,” Danish with Arhcova Visuals details. “To capture her signature charm, try incorporating reclaimed wood and vintage-inspired pieces that bring a touch of history and comfort to your space. Stick to neutral tones and mix in natural textures like linen and jute to create that cozy, Magnolia Home vibe. Statement lighting and thoughtfully chosen décor can also make your home feel both inviting and stylish.”
2. Mix old and new elements
Joanna is a master at blending old and new elements to create spaces that feel lived-in and full of character. “Joanna Gaines finds a way to beautifully blend materials with the look of classic charm and current trends. One of her kitchen designs featured a Spanish-style floor tile and a modern light fixture with a high-end marble countertop, and it all worked together seamlessly,” shares Kaylin Harris, Interior Coordinator with Affinity Homes LLC.
“She consistently creates spaces that evoke relaxed sophistication. We love her ability to take a modern, sleek-looking console table and pair it with a vintage-looking lamp and a rustic vase filled with faux olive leaf stems to create a beautiful design ensemble. She makes interior design look effortless and intentional at the same time.“ This intentional mix of styles adds depth and interest to your home while telling a unique story, making your home unforgettable and one-of-a-kind.
3. Layer textures for warmth and comfort
To make a room feel warm and inviting, Joanna often layers a variety of textures. “One of the key elements of Joanna Gaines’ design style that I love to incorporate is her use of warm, cozy items that make a space feel inviting and lived-in,” shares Rachel Teodoro, content creator at RachelTeodoro.com. “You don’t have to splurge to achieve that signature Gaines look — think about adding budget-friendly touches like soft throw blankets, textured pillows, or rustic wood accents. Don’t forget to shop at thrift stores for some of the best decor pieces. These small additions can instantly warm up a room and create that welcoming vibe we all crave without breaking the bank. “
4. Lean into the modern farmhouse style
Joanna is often regarded as the queen of modern farmhouse, a legacy that provides a perfect starting point for anyone beginning their interior design journey. “To achieve modern farmhouse home designs inspired by the fabulous Joanna Gaines, try and keep the elements simple,” Amanda Yates with Life Just Right recommends. “Blend neutral colors like soothing greens, shades of ivory and white, with touches of wood and black. This can even be done on a budget by thrifting. Print Pinterest boards and hunt for similar items and then spruce them up with spray paint and other easy touches. Create a table display by combining a few unique items with some greenery for a cozy collection.”
5. Focus on functional spaces
Joanna’s designs are not just about aesthetics — they’re also about practicality. She emphasizes creating spaces that are functional and cater to the needs of those living there. “I’m not a designer but I get to photograph all kinds of interiors. Something that has always drawn me to Joanna Gaines’ style is the way that she creates leading lines in her vignettes while also creating enough movement to keep your eye interested,” shares photographer and videographer, Jordan Brittley. “She does a fantastic job of working with her environment to bring in natural light that highlights the design pieces which create dreamy spaces!”
By focusing on the intention and purpose behind every item, Joanna ensures spaces that are not only beautiful but also make the most of every square inch, blending form with function effortlessly.
6. Use shiplap creatively
If there’s one feature Joanna Gaines is famous for, it’s shiplap. This simple wood paneling adds texture and interest to the walls, creating a rustic yet refined retro look. “Joanna Gaines’ design style emphasizes a balance of rustic charm and modern elegance, often incorporating shiplap, neutral color palettes, and natural materials like wood and stone,” explains Scott Bland, President of Jim Bland Construction. “She excels at creating warm, inviting spaces by mixing vintage finds with clean, contemporary lines. As a custom home builder, we can enhance this look by focusing on open floor plans, large windows for natural light, and thoughtful, personalized touches that reflect the homeowner’s personality while maintaining a cohesive, timeless aesthetic.”
7. Accessorize with thoughtful details
As Scott Bland emphasized above, Joanna often uses thoughtful details to make a house feel like a home. “Whatever style you choose, being strategic with your color selection and photography choices can make the space feel cohesive and polished as well as personal,” shares photographer Katelyn Kasper with Kasper Creations.
“For instance, if the room is neutral in tone then add photos with natural tones and light colors on the wall instead of something with clashing, bold colors. If your space has pops of bright color, then have fun with matching bright colors in your displayed photographs. You can take this a step further with the location and outfit choices in your photos (Western wear for a more rustic room, garden setting with light-toned clothes for a modern farmhouse feel, etc.). Your displayed photos add personality and highlight what you love, but they can also strengthen your design style.
Joanna’s designs are never overly styled; instead, they reflect the personalities of those who live there, so don’t be afraid to add your personal brand.
8. Add a farmhouse sink for a timeless touch
Nothing says Joanna Gaines quite like a farmhouse sink. This classic, deep sink is both functional and stylish, making it a standout feature in any kitchen. “Joanna Gaines often features farmhouse sinks in her kitchen designs to evoke a sense of timeless charm and functionality,” Monique Peters with Annie & Oak emphasizes. “These apron-front sinks, with their deep basins and wide, exposed fronts, not only serve as a practical focal point but also embody the cozy, welcoming atmosphere that defines her modern farmhouse style. By pairing farmhouse sinks with natural materials like wood or stone countertops, Joanna seamlessly blends vintage appeal with contemporary functionality, creating kitchens that are both beautiful and highly usable.”
9. Prioritize comfort above all
At the heart of Joanna Gaines’ design philosophy is the idea that a home should be comfortable and lived in. Choose furniture that invites you to sit and stay awhile, such as plush sofas and chairs with deep cushions, then layer in soft throws and ample pillows to create spaces that feel cozy and inviting. Remember, comfort doesn’t have to mean sacrificing style — look for pieces that are both functional and aesthetically pleasing.
Bringing Joanna Gaines’ vision to your home
Joanna Gaines’ design style is beloved for its ability to make any space feel like home. By incorporating these inspired decor ideas, you can create a warm, inviting environment that reflects your style while embracing the best of Joanna’s signature aesthetic. Whether you’re going for a full home makeover or just a few simple updates, these tips will help you bring a touch of that Joanna Gaines magic to your own space.
Are you looking for the best fall side hustles? Fall is a great season to start thinking about ways to make some extra money. With cooler weather and cozy vibes, it’s a great time to find new ways to make money. If you need extra cash for holiday shopping or want to save more, there…
Are you looking for the best fall side hustles?
Fall is a great season to start thinking about ways to make some extra money. With cooler weather and cozy vibes, it’s a great time to find new ways to make money. If you need extra cash for holiday shopping or want to save more, there are many side jobs that are perfect for the fall season.
Many of these jobs can be done from home or in your local area. The best part is, you don’t need a lot of experience or money to start. There are many ways to use your skills and free time to make cash.
Best Fall Side Hustles
Below are the best fall side hustles.
1. Work at a pumpkin patch
Working at a pumpkin patch is a fun way to make some extra money in the fall. Pumpkin patches usually hire seasonal workers, which means the job won’t last too long. It’s perfect if you’re looking for something short-term.
You could help customers pick out their perfect pumpkin, help in setting up displays, and ring up customers.
It’s usually busy on weekends, so you might have a lot of customers to help.
Check your local farms or community centers for job openings. They tend to start hiring before the season begins.
2. Participate in paid online surveys
Taking paid online surveys is a great way to make extra cash without much effort. You can do it from home, on your phone, or whenever you have free time. Companies need your opinions to improve their products and services, so they’re willing to pay for your feedback.
Paid online surveys can be a fun and easy side hustle. While you won’t get rich from them, they can definitely help you make a bit of extra spending money. Plus, they fit into your schedule whenever you have some spare time.
The survey companies I recommend signing up for include:
Survey Junkie
Prime Opinion
Swagbucks
Branded Surveys
American Consumer Opinion
Five Surveys
PrizeRebel
InboxDollars
I’ve done lots of surveys over the years, and what I like about them is that you can do them whenever you want – in the morning, at lunchtime, or before bed. You don’t need to follow a strict schedule, and they’re really easy to do.
3. Sell crafts on Etsy
If you love creating things, selling crafts on Etsy is a great fall side hustle. Many people go to Etsy to find handmade items that are unique and special. I shop on Etsy all the time and it’s because I know that I can find one-of-a-kind gifts on the site.
Fall is a perfect time to sell your crafts, and you can think about making items like wreaths, pumpkin decorations, or knitted scarves. People love decorating their homes for the season.
You can also try making Thanksgiving table decor or fall-themed wall art. These items are very popular and can sell quickly.
4. Work at an apple orchard
Working at an apple orchard can be a fun and rewarding side hustle in the fall.
Many orchards need extra help during the harvest season, which usually runs from late summer to early winter. You can find jobs picking apples, helping customers, or even working at a cider mill.
Most orchards pay by the hour or by the bushel, so you can earn a decent amount of money depending on how many hours you work or how fast you pick.
Check with local orchards or look online for job openings. Some places may have flexible hours, which is perfect if you’re balancing other commitments.
5. Dog walking or pet sitting
Dog walking is a fun way to earn extra money, especially in the fall. The weather is cooler, and both you and the dogs will enjoy the fresh air. Many people need dog walkers because they are busy or unable to walk their pets. This makes it a great side hustle for animal lovers.
You can make good money walking dogs, typically around $15 to $30+ per hour.
There are apps like Rover that connect you with pet owners who need help. Signing up is usually quick and easy, and I personally know dog walkers on Rover who make extra money (my mother-in-law as well as my sister!).
6. Tutoring kids
Tutoring kids can be a terrific fall side hustle. If you are good at teaching, it’s a great way to earn extra money. Many parents look for tutors for subjects like math, science, or reading.
Tutoring isn’t just for older kids. Younger children also need help with basic skills. And don’t forget, you can tutor in fun subjects too, like arts and crafts.
Tutoring pays well. Some tutors earn around $25 to $35 an hour, depending on the subject and their experience.
7. Rent a room on Airbnb
Renting a room on Airbnb is a popular side hustle in the fall. If you have an extra room, you can list it on Airbnb for travelers to book.
Of course, to start, you’ll want to check if short-term rentals are allowed in your area. Some cities have rules about this, so you don’t want to get in trouble for breaking any laws.
Then, you’ll want to get your room ready (make it comfortable with fresh sheets, towels, and clean up the area), take good pictures to display on Airbnb, and set a fair price.
8. Freelance writing
Freelance writing is a great fall side hustle from home. You get to write for different clients, which means your work can include articles, blog posts, website content, and more.
One of the top benefits of freelance writing is flexibility. You can work from home, a cafe, or anywhere you’re comfortable. This makes it easy to fit freelance writing into your fall schedule, whether you have other commitments or just want more control over your time.
Freelance writers can get paid per word or per project. Beginners might start at lower rates, but experienced writers can make good money. For example, writing a 1,000-word article might earn you $50 to $350 depending on your skill and the client.
9. Coach a fall school sport
Coaching a school sport in the fall is a great side hustle. You can share your love for the game while earning extra cash. Schools often look for experienced players to lead their teams.
This job usually happens after school, so it won’t clash with a regular nine-to-five job. You could coach sports like soccer, football, or cross-country.
10. Photography sessions
Fall is a beautiful time for photography. The changing leaves and glowing sunsets make perfect backdrops. If you enjoy taking photos, you can turn this hobby into a side hustle. Families, couples, and even pet owners love to capture memories with autumn colors.
I know many people who take family photo sessions in the fall, and I am actually trying to get one booked right now. The fall is a very popular time for photos, especially because many people use these pictures for holiday cards that they send out.
You can offer short, themed photo sessions. These are called mini-sessions and can last between 20 to 45 minutes. They are popular because they don’t take much time but still capture great moments (and are affordable for families).
You can promote your mini-sessions on social media or through local community boards. Show examples of your past work to attract clients, and even having a few props like pumpkins or cozy blankets can make your sessions even more special.
Recommended reading: 18 Ways To Get Paid To Take Pictures
11. Halloween costume shop
Starting around September, everyone starts thinking about Halloween. And, that includes costume shops!
These typically start popping up and usually last from around September to early November, so that means they need temporary workers.
They need workers to ring people up, stock the shelves, decorate, and more.
12. Virtual assistant
Being a virtual assistant is a fun and flexible way to make money. You can work from home, set your own hours, and choose who you want to work for. This side hustle can fit around your schedule, whether you want part-time work or a full-time job.
Virtual assistants manage social media, schedule appointments, handle emails, or do data entry. Basically, they help with any tasks that someone doesn’t have time to do themselves. This job is very important for keeping businesses running smoothly.
The pay for virtual assistants can be really good. Beginners usually start at around $15 to $20 per hour. With experience, you can make more, even reaching $50,000 a year or more. The more skills you have, the more you can earn.
I was a virtual assistant for several years, and it was a great side hustle. I learned many things by working for small businesses, and it was a great and flexible side hustle.
13. Social media management
Social media managers help businesses or influencers run their social media accounts, such as Instagram, Facebook, TikTok, or their YouTube channel. This includes creating posts, responding to comments, and analyzing engagement.
You don’t need a degree to do this job. Being good at social media and having some creativity can be enough. Small businesses usually need help, especially during busy holiday seasons.
14. Rake leaves
Raking leaves is a great way to earn extra cash in the fall. Many people don’t have the time or energy to do it themselves, especially if they have big yards or a lot of leaves.
You don’t need a lot to get started either with this side hustle idea. A good rake and sturdy bags are pretty much the essentials. You might also want gloves to protect your hands. Working in your neighborhood can be a smart move since you won’t have to travel far.
Timing is important and many homeowners want their yards cleared before the first snowfall. Letting people know early in the season can help you get clients (such as by posting flyers or making social media posts).
15. Become a rideshare driver
Driving for rideshare services like Uber or Lyft can be a great way to earn extra money. With this gig, you can choose your own hours and work as much or as little as you need, such as only during the fall months.
The pay can vary. Earnings might depend on your location, demand for rides, and tips from passengers. Some drivers also earn bonuses for completing a certain number of rides in a set time.
16. Gutter cleaning
Gutter cleaning is a great side hustle idea in the fall. With leaves falling, many homeowners need help keeping their gutters clear. Clean gutters prevent water damage to homes.
You don’t need much to start. A good ladder and some basic tools are usually enough, especially in the beginning.
17. Babysit
Babysitting is a great way to make extra income, especially in the fall when parents are busy with school routines and holiday planning. You can earn good money while working flexible hours that fit your schedule.
By babysitting, you can enjoy a flexible side hustle that fits around other responsibilities or activities you may have.
18. List your storage space
Do you have extra space in your garage or attic? You can make money by renting it out to others who need storage!
Many people look for storage solutions in the fall. They need space for their summer items like RVs, boats, and outdoor furniture, as an example. Listing your storage space can help them and put extra cash in your pocket.
You can use websites like Neighbor or Craigslist to list your space. These platforms make it easy to connect with people in need of storage.
19. Mystery shopping
Mystery shopping is a fun way to earn some extra cash and get free stuff. Here, you act like a regular customer while secretly noting down details about your experience. Companies hire mystery shoppers to check how well their services work.
You’ll find tasks like visiting restaurants, checking out stores, or making phone calls. Payment methods can be cash, gift cards, or reimbursements. Most shoppers earn about $10 to $50 per assignment.
One great company to start with is BestMark. They have lots of jobs like shopping at clothing stores or dining at restaurants. This is the secret shopping website that I have used many times in the past, so I know that they are real.
20. Firewood delivery
Firewood delivery can be a great way to make extra money in the fall. As the weather cools down, more people start needing firewood to keep warm.
Having a truck or trailer is important for transporting the wood. You can charge extra for delivery, making your service even more profitable.
Now, this isn’t an easy job. Loading and unloading firewood as well as chopping it is hard work. But, it can give you a way to make extra income in the fall.
21. Haunted house
One of the most fun fall side hustles is to find a job at a haunted house. Haunted houses usually start popping up in September, and many times they are in desperate need of workers.
Working at a haunted house can be really fun, and there are lots of different jobs you can do!
Some people work as actors, wearing scary costumes and makeup to scare visitors. Others work as guides, leading guests through the haunted house and keeping everyone safe. Makeup artists create spooky looks for the actors. Some people set up sound effects, lights, and special effects to make the haunted house scarier. There are also jobs for handling tickets, marketing, and other tasks to keep the haunted house running smoothly.
I have several friends who love working at haunted houses, and they’ve been doing it for years.
22. Seasonal decor installation
As the leaves change colors, many people want to decorate their homes for fall. If you have a good eye for design, you can make money by helping them set up seasonal decorations – this can include Halloween decorations and even installing holiday lights on a house for Christmas.
People are often busy preparing for holidays, so your service can save them time and effort. You can charge by the hour or by the project.
Frequently Asked Questions
Finding a fall side hustle can be easy and fun. From working at pumpkin patches to selling crafts online, there’s something for everyone. Here are some commonly asked questions about fall side hustles.
What are some easy side jobs to do from home during the fall season?
Taking online surveys is a simple way to make extra money. You can also sell crafts on Etsy. If you have a skill like graphic design or writing, freelancing can be a good option too.
Can you list outdoor activities that can earn money in the cold months?
Working at a pumpkin patch or an apple orchard can be enjoyable and help you make extra income. Dog walking is another great idea. These activities allow you to spend time outside while earning some extra cash.
What strategies can help a landscaper keep earning in the winter?
Landscapers can provide snow removal services, such as to homes and businesses. Another option is providing outdoor holiday decoration services. These strategies can help keep the income flowing even when it’s cold.
How can I make an extra $2000 a month?
Combining several side hustles can help you reach your goal of making $2,000 per month. You can take online surveys, sell crafts on Etsy, and work part-time at places like pumpkin patches or apple orchards. Diversifying your efforts makes it easier to hit your target income.
Best Fall Side Hustles – Summary
I hope you enjoyed this article on the best fall side hustles.
There are many ways to make money in the fall, such as working at a pumpkin patch or haunted house, answering online surveys, dog walking, tutoring, freelancing, and more.
Making extra money is great, and it can help you save for the holidays, stop living paycheck to paycheck, pay off your debt just a little more quickly, and more.
What do you think are the best side hustles in the fall?
Downsizing, whether it refers to moving to a smaller home, reducing your possessions, or simplifying your lifestyle, can offer a range of benefits. Whether your reason for downsizing is retirement, empty nesters, looking to save money, or finding you just want a more minimalist lifestyle, here is what downsizing can offer you.
More Money
Larger homes are typically more costly. For one, mortgage rates and energy expenses are usually higher.. However, there’s another reason why larger homes are typically more costly. We are driven to fill them with extra stuff like additional furnishings and trinkets.
It’s natural that when we see empty space in our house we want to fill it, but by. reducing the size of your house, you can also reduce the amount of stuff you own and buy. However, this isn’t the case for all homeowners. Having a smaller home might assist you in avoiding overcharging, overspending, and over-purchasing for your enormous house. There simply isn’t space for extras in a smaller house!
Environmental Impact
Reducing the size of your house is a green decision. Generally speaking, smaller dwellings use less energy, which lowers their carbon footprint. A smaller home’s construction and upkeep also typically have less of an impact on the environment. Decluttering and lowering the amount of belongings are also parts of the downsizing process, which over time can result in less material waste and a more fulfilling and environmentally responsible way of life.
Less Upkeep
Taking care of your house for the majority of your life becomes second nature. Because of this, it is simple to forget how much time you spend on your house, from gutter cleaning to grass mowing. You may be surprised by how much time you save in your schedule when you downsize to a smaller, more manageable place.
Additionally, going out of town requires a lot of planning for many people. Who will mow the grass, collect the mail, and ensure your home is secure? Many opt to downsize to a smaller, more manageable area, such as a charming townhouse, a renovated apartment, or a room that may be distinctively yours without being overly cluttered.
Accessibility
It can get a little more difficult to get around as we age. In the long run, moving from a big, four-story house to a ground-level bungalow may be easier on the knees. Additionally, if you decide to downsize at age 50, be sure to consider what you might require in thirty years. It makes sense to spend money on a bed, bathroom, and laundry area on the main floor.
Clutter Doesn’t Accumulate
When you simply do not have the room for extra things, they can’t come into your home. You will have to think hard about buying new pieces of furniture, excess decor items, and even new clothes since storage will be limited. A minimalist lifestyle isn’t for everyone, but having to declutter your home can be beneficial.
Downsizing Debt
Although this may not apply to every homeowner, downsizing into a smaller lifestyle can assist in addressing debt or an excessively large budget. A smaller house usually translates into a more affordable monthly payment and increased opportunities for a contented retirement.
Are you looking to enter the real estate market this fall? Give us a call today! One of the experienced agents at Zoocasa will be more than happy to help you through the exciting home-buying process!
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