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Apache is functioning normally

January 28, 2024 by Brett Tams

When it comes to home design, we’ve all decorated with a trend or two that we wish we could forget (anyone remember pistachio-colored kitchens?). But we’ve also discovered trends that have turned into classic finishes that are here to stay. (Looking at you, marble!) With that said, while trends come and go, it’s always fun to forecast what’s going to be hot in the new year. And as with the “never dress in a trend from head-to-toe” fashion rule, the same applies to home decor. It’s never wise to outfit an entire house in them, but sprinkle in a trend here and there for an updated look. From embracing bold hues to incorporating textured wallpapers, 2024 looks to be a colorful year. Four designers weigh in on what you’re sure to see inside beautiful homes around Dallas this year.

Trend: Working pantries

Working pantries, like this one designed by Hayden Dendy of BRNS Design, feature prep space, storage cabinetry and a pop of pretty design.(Becca Lea Photography)

More and more, new home builds and renovations are including a spot for a working pantry, which is a larger walk-in version with storage and prep space. “Adding countertops, outlets and space to prep in pantries bring an added layer of function to the home and can help achieve a mess-free kitchen space while entertaining,” says Hayden Dendy, designer for BRNS Design, a multidisciplinary architecture and design firm.

Designer Kara Adam, owner of Kara Adam Interiors, is also urging her clients to consider adding a working pantry to their floor plans. Not only is it practical, but it’s another opportunity to have fun with design. “Pantries are no longer a closet with white shelves,” she says. “They are gorgeous and they’re functional. Design them with pretty countertops, tile and wallpaper, or paint them a fun color. They are truly treated as a room now, not just a closet. This will be budgeted into more and more of my clients’ projects.” She suggests storing appliances that take up space in the kitchen such as coffee makers, blenders and toasters. “They can also be plumbed with a sink or ice machine. Basically all of the things that are noisy or unattractive, so that your kitchen remains a pretty space,” she says.

Trend: Saturated color

Rich color is starting to saturate every room of the house, like in this bold blue dining room designed by Kara Adam.(Michael Hunter)

“This year we are going to see homeowners being more adventurous with color,” says Danielle Frazier, co-owner and principal designer of interior design studio Twilly & Fig. “When you saw the trends go towards gray and neutrals and cooler tones, people lost that richness and connection to color. They are starting to feel that void and want to be more playful with color.” Within that, Frazier notes that spaces will continue to see monochromatic use of color, particularly with moody hues. She says she’s seeing an increase in purple spaces, as well. “We just did a living room in a grayish plum that is really rich. It’s a color you don’t hear a lot about now, but you’ll start to see it more,” she says. She suggests trying Benjamin Moore’s “Hazy Lilac” as a way to introduce the trending palette. Aside from the walls, Frazier also notes that homeowners are starting to ask for colorful pieces like rugs, sofas and wallpaper as well. “I think people are willing to take a risk with color on more investment pieces than they have in the past,” she says.

Adam agrees that the neutral all-white look is starting to fade. “In 2024, few people are going to ask for that,” she says. “People want a cozier environment rich in color. Even formal spaces are looking less formal because of the rich color. It draws you in and makes a space scream ‘come hang out in here,’” she says.

Trend: Mixing and matching genres

Designer Kara Adam artfully mixes fresh, contemporary fabrics; furniture pieces with traditional lines; modern lighting; and crown molding details in this family living space.(Michael Hunter)

As the neutral palette starts to fade, so does the matchy-matchy interior that looks more like a catalogue than a personalized lived-in space. “Our clients are craving an element in their design and in their homes that have a soulfulness to them,” Frazier says. “For instance, we’ve been designing a kitchen with custom handmade tiles on the backsplash. We’re finding that people are wanting to add depth, character and personality through handmade pieces and antiques.” She suggests shopping estate sales and local antique stores for hidden gems or planning a road trip to one of Round Top’s antique show weeks for one-of-a-kind finds.

“We always encourage and push clients to embrace the unexpected,” adds Adam. “Mixing a contemporary piece with an antique will make an environment that is pleasing to the eye.”She also urges clients to purchase art, which personalizes a home even more. She suggest that her clients buy works that speaks to them, rather than what “matches” their interiors. “Your home is an expression of you,” she says. “Art is very subjective. And, it’s not just decoration anymore. It’s a statement.”

Trend: Bold bars and beverage centers

Homeowners are asking for bars and beverage centers that are stylish and functional, much like this striking blue bar designed by Danielle Frazer.(Michael Hunter)

“Bars are huge right now,” says Adam. “We have some homes with multiple bars. And much like how powder baths are the jewel box of the home, that’s how bars are going to be too. They will be extremely layered, rich in colors and accessories, and usually have unique countertops.” And thanks to the playful powder bath aesthetic that has been trending for some time, homeowners are craving more of that layered look throughout the home, which is where a bold bar comes in. “It used to be that we’d go into these beautiful, airy light homes and they’ve had this wild powder bath, but now you’re seeing that personality throughout the home,” she says.

Cheers to the new home bar: How to create a modern, multifunctional space

And on that note, Frazier is seeing an increase in beverage centers, which encompasses every drink throughout the day, from breakfast to cocktail hour. “In the past a beverage center was maybe just a coffee bar or a cocktail bar, but now people want them to be multipurposeful, a place where they can make their morning coffee or tea, make a smoothie bowl after a workout or pour a beverage after work.” Most of these areas include a beverage fridge or fridge drawers, a built-in pullout trash can, a wine fridge, a sink, and cabinets for blenders, coffee pots or tea kettles. “It depends on the person, of course, but they are designed for how they want it to function,” she says.

Trend: Cozy spaces

“The light airy home has had its moment,” says designer Kara Adam. “People now want a cozier environment rich in color.”(Michael Hunter)

Homes built in the last decade mostly feature open-concept floor plans, which usually include an open family room, kitchen and breakfast nook. But Adam is hoping to design cozier spaces in the next year. “No one wants to relax in their family room when they are sitting on the sofa and behind them is the kitchen,” she says. Dirty dishes, a pot of soup on the stove or clutter on the countertops does not create for a relaxing space. “Creating separation is good for your mental health,” she says. “You can step away from it and go back and clean it up later.” Plus, when a space is large and open, there is no breaking point for a designer to do something playful and fun on the walls or molding. “When it’s one huge space, it’s a lot harder to upholster or lacquer a wall,” she explains.

Her clients are also asking for game rooms. “We can’t do enough of them,” she says. “We are redoing spaces so that people can have a mahjong room. In our home we have a table built for mahjong, but when it’s not set up for that, we always have a puzzle out, too. Work on a puzzle for 20 minutes and it’s good for your brain and it slows things down. Then you can go back to running around or going to carpool,” she says.

Trend: Textured and printed wallpaper

Patterns, textures and fabrics are big in wall coverings this year. Brian Yates, principal designer with Yates Desygn, covered this bedroom in Ever Atelier x Yates Desygn “In-Site” patterned wallpaper.(Michael Wiltbank)

Wallpaper has been trending for some years now, and it’s still holding strong in 2024, especially selections that boast texture, bold patterns and fabric. “In 2023, we launched our first wallpaper collection with Ever Atelier, Ever X Yates, and it led us to experiment with wall coverings in new ways. For example, new construction ceilings are typically much taller nowadays, and implementing wallpaper can help weigh it down and feel more proportional,” says Bryan Yates, principal designer of Yates Desygn. “In addition, we are currently framing three panels of a de Gournay print to work as a 9-foot-by-9-foot piece of art and create a more significant moment in a client’s dining space rather than using traditional panels as a series.”

Adam notes that adding the right wallpaper to a space helps to evoke a mood, too. “People are wanting texture as opposed to a super flat, quiet space. For instance, when you’re having a dinner party in a dining room covered in cool silk wallpaper, it makes people want to stay. We want our clients to have dinner parties that go on all night,” she says.

Source: dallasnews.com

Apache is functioning normally

January 27, 2024 by Brett Tams

“OMG I missed it. I should’ve bought two years ago.”

“Am I too late? Are all the good deals gone?”

“Look at how much cheaper it used to be. I’m priced out now.”

“Isn’t my best bet to wait for a crash?”

Oh my dear friend.

Those sound like remarks made today … right?

Well, they’re not.

Those are the remarks I heard in 2015, even everyone was lamenting how much real estate prices had climbed, relative to 2012.

“Damn I should’ve bought back then! It’s too late now. Everything’s expensive again. I’ll just wait for prices to come down.”

I know, that seems silly in hindsight.

But put yourself in the shoes of an aspiring real estate investor in the year 2015. They had been thinking about buying a rental property for a year or two. But they hadn’t. And while they sat on the sidelines, prices skyrocketed.

The chart above covers January 2010 to December 2015.

In 2015, this was a prospective investors’ experience of the last 5 years. They saw home prices dip slightly from 2010 to 2012, and it scared them — “maybe there will be another crash!!” — so they sat on the sidelines.

Then the market boomed from 2012 to 2015, and by the end of that three-year period, they were kicking themselves to “waiting too long.”

“It’s too late!!!!!”

“The good deals are gone!!”

With the Great Recession in such recent memory, they comforted themselves with the idea that they could just kick back and wait for the next housing crash.

Nearly nine years later, they’re still waiting. And missing out on gains.

Here’s what the market did from January 2016 through May 2023:

Up, up, up, up, up.

Sliiiight dip for a few months in late 2022. Then up again.

The people who lamented that they’d “waited too long” and “it’s too late” psyched themselves out. They sidelined themselves. They missed those returns.

You see, pessimists get to make excuses. Pessimists get to validate themselves.

Pessimists get to be right.

Optimists get to be rich.

“The irony is that by trying to avoid the price, investors end up paying double,” Morgan Housel writes in his book, The Psychology of Money.

In that passage, he’s discussing stock investing, but the principle applies to real estate as well. Those who lament that real estate is too expensive, relative to its previous values, are the same people who eagerly buy an index fund without complaining that it, too, is substantially more expensive than it was a few years ago.

I’ve never heard anyone say: “VTSAX is 50 percent more expensive than it was five years ago! It’s too late to buy. The good deals are gone. I’ll wait for the next crash.”

Yet they’ll say that about real estate.

Sure, people might debate whether the stock market is overvalued. But if you’re a long-term investor, you dollar-cost average into the market.

You understand that a share of VTSAX will cost significantly more today than it did five years ago, because, well, assets appreciate over the long-term. That’s the point.

Ideally, real estate investors would be best-off viewing their properties through the same lens through which an index fund investor views their holdings.

Sometimes you’ll buy high. Other times, you might hold through a decline. But over the long-term, based on historic trends, both asset classes (real estate and index funds) significantly rise in value.

Yet often, would-be real estate investors seem to forget historical trends.

When the topic turns to rental properties, many would-be investors sideline themselves because they’re convinced that “I’m too late” and “the good deals are gone.”

Sure, you can’t blindfold yourself, throw a dart at a list of houses, and find one with an amazing cap rate, like you could in 2012.

Sure, you have to actually, erm, what’s that word … WORK.

Good deals are available for those willing to find them.

Back in 2015, I often heard people lament that they were “too late” because real estate prices had risen so much in the past three years. “I should’ve invested in 2012! The run-up has already happened. I’m too late. I’ll wait for the next crash.”

Nearly nine years later, they’re still waiting.

The question is: are you going to be one of those people who says “it’s too late! the good deals are gone!” and then sit on the sidelines for the next 30+ years? Or are you going to train and compete?

If you choose to leave the sidelines and get into the game —

The first step is to understand: It’s not too late.

The prices that existed five years ago are irrelevant.

The only question that matters: “Is this a good deal today?”

It’s easy to substantiate the belief that you’ve missed out on all the good returns — you can see how much home prices have appreciated over the past three years. You can see all the capital appreciation you could have had, if only you’d gotten started sooner.

Just like if you’d bought a ton of index funds in 2018. Or better yet, March 2009.

Assets appreciate.

Sometimes there’s volatility, and they drop a little bit. But historically, in the U.S., major asset classes — including stocks and real estate — have always risen over time.

We seem to have accepted this reality in the world of stock investing. We don’t reflexively lament *not* buying more index funds at 2012 prices.

We might occasionally joke about it — “awww man I shoulda bought Amazon in 1997!” — but we know that when we buy a stock, we’ve evaluating today’s fundamentals. Past is prologue.

When we evaluate stocks, we ask: “Is this stock a wise purchase at today’s price?” But we forget to ask this question when we’re dealing with a tangible asset class like real estate.

Real estate often fills people with fear:

It’s a single six-figure transaction; a larger dollar amount than an index fund.
You borrow money to get into the deal; leverage increases risk.
You assume you can’t dollar-cost average into real estate, like you can with stocks. (In reality, many rental investors *do* dollar-cost average into real estate by investing in one property per year, or one property every-other-year … some type of periodic pace.)

Real estate’s tangibility also makes it an inherently emotionally-charged asset class. We can touch it, smell it, see it, hear its creaks and noises.

And when emotions are involved, we rationalize rather than reason.

“Assuming that something ugly will stay ugly is an easy forecast to make,” Housel writes. “And it’s persuasive, because it doesn’t require imagining the world changing.”

Pessimism is tempting, but it’s also limiting — and its intellectually lazy.

It keeps you broke and uncreative.

Optimism, by contrast, keeps you asking “how can I?” — it keeps you solving problems, rather than lamenting them.

“How can I find properties with a solid cap rate and good cash flow located within a two-hour drive?”
“How can I improve my skills as a negotiator?”
“How can I analyze and cross-compare across multiple markets?”
“How can I save for a downpayment?”
“How can I get approved for a mortgage if I’m self-employed / if I don’t earn much?”

Ask “How can I?” rather than lamenting “I can’t because …” and you’ll find your world switch.

And if you want answers to the above questions, you’ll find them in Your First Rental Property, our flagship course.

— Paula

Source: affordanything.com

Apache is functioning normally

January 27, 2024 by Brett Tams

Inside: Escape the cycle of being broke with insightful tactics. Learn to invest, save smartly, spot financial traps, and build secure money habits today.

You are desperate right now. You want to know why I am broke.

I get it. This is a situation I have been in before and just recently when I lost my main source of income.

The feelings of you can’t afford anything may send you down a steep spiral of depression.

So, how do we escape?

Here are the tips I used before and plan to use again.

Top Reasons for Why I am Broke

#1 – The Mindset Traps That Keep You Broke

A mindset that cultivates a sense of scarcity rather than abundance can be a massive roadblock to financial prosperity. When you’re shackled by thoughts like “I am always broke,” you unwittingly set the stage for a self-fulfilling prophecy.

The mental narrative that convinces you wealth is unattainable can keep you trapped in a loop of missed opportunities and poor financial decisions.

You may inadvertently sabotage your potential to earn more, save, or invest wisely by clinging to a defeatist paradigm.

Fixing a broken mindset is about shifting from a state of helplessness to one of deliberate, empowering action.
It starts with self-awareness and is further built through intentional positive affirmations and financial education.

Overcome By: Remember, the mind is powerful—it can be your greatest ally or your most formidable adversary. Change your money mindset.

#2 – Living Beyond Your Means: A Fast Track to Empty Pockets

Living beyond your means is akin to constantly filling a sieve with water, hoping it will someday retain more than it loses—a surefire way to financial drought. It’s a lifestyle where your outflow far exceeds your inflow, and every paycheck evaporates into the ether of consumerism.

With the advent of credit cards and buy-now-pay-later schemes, the temptation to spend money we don’t have has never been greater.

The façade of affluence conceals the grim reality of financial instability.

Acknowledging this trap is step one. Living within one’s means doesn’t imply sacrificing joy or reverting to asceticism; it’s about striking a harmonious balance between the lifestyle you desire and the one you can sensibly afford.

Overcome By: Making choices aligned with your financial reality, finding contentment in simplicity, and prioritizing financial health over transient pleasures.

#3 – Chronic Debt: Borrowing from Tomorrow for Today

Chronic debt is a pervasive issue, ensnaring individuals in a vicious cycle of borrowing today and worrying about repayment tomorrow. This pattern often stems from an urgency to fulfill immediate desires or needs without adequate financial resources.

Alarmingly, the trend of increasing consumer debt signals a culture obsessed with instant gratification as consumer debt is $16.84 trillion in Q2 2023, according to Experian.¹

Being in debt should not be normal.

The onus of breaking free from chronic debt lies in reevaluating your relationship with money. It means slowing down the urge to splurge, meticulously planning for future financial obligations, and carving a path towards debt repayment.

Overcome By: Find the discipline to not only stop accumulating debt but also to aggressively tackle existing debts through methods like debt snowball or debt avalanche strategies.

#4 – You Haven’t Learned to Plan and Budget for a Brighter Tomorrow

The lack of a strategic financial plan and a detailed budget is tantamount to navigating unknown terrain without a map. Without these critical tools, your finances are left to chance rather than choice, leaving you vulnerable to the whims of circumstance.

Budgeting is perhaps the most fundamental step toward taking ownership of your financial future. It gives you a clear snapshot of where your money is going, which is essential for making informed spending decisions.

However, many avoid the budgeting process, perceiving it as restrictive or complex. The truth is that budgeting liberates you from the anxiety that comes with uncertainty. It empowers you to align your spending with your financial goals and to find a balance between today’s necessities and tomorrow’s aspirations.

Overcome By: Choose a budgeting method whether it be the zero-based budget, the 50/30/20 rule, or the envelope system, the key is to find a method that resonates with your lifestyle and stick to it.

#5 – No Emergency Fund to Weather Financial Storms

An emergency fund is an essential bulwark against the financial tempests life invariably hurls your way. Without it, a single unforeseen event—a job loss, a medical emergency, or an urgent car repair—can capsize an already precarious financial ship. The lack of an emergency cushion extends an open invitation to debt and financial strain.

The data tells a stark tale:

A statement from the Consumer Financial Protection Bureau highlights that nearly a quarter of consumers (24%) don’t have an emergency savings account.²
Additionally, 39% have less than a month’s worth of income saved for emergencies, setting the stage for potential financial disaster.²

This precarious situation has become more pronounced with the increasing cost of living and high inflation rates witnessed in 2021-2023.

Overcome By: Structured, automatic savings transfers to facilitate the gradual growth of your emergency fund without it feeling like a financial blow. The goal is to build a reservoir robust enough to cover several months of living expenses, providing a comfortable buffer that can help you bounce back from setbacks without the need to borrow money at high-interest rates or liquidate precious assets at inopportune times.

#6 – Lack of Understanding of The Power of Investing

Understanding the power of investing is key to grasping the potential of a seed. A seed, given the right conditions, can grow into a flourishing tree. Similarly, investing allows your finances to grow beyond the confines of stagnant savings.

Yet, many people fail to harness this power due to a lack of understanding or fear of the unknown. This was me for many years until I decided to learn to trade stocks.

A common misconception surrounding investing is that it’s solely the playground for the rich or financially savvy. This myth steers many away from multiplying their wealth via investments, leaving them to rely solely on their primary source of income. Moreover, a lack of understanding often leads to panic during market volatility, resulting in ill-timed decisions to buy high and sell low—contrary to sound investment strategies.

Overcome By: Invest money consistently into a low-cost mutual fund or ETF that tracks the overall S&P. Then, continue your investing education on how to invest in stocks.

#7 – Wasteful Spending Habits

Wasteful spending habits are the quiet thieves of financial security. They nibble away at your earnings, leaving you wondering where your money has gone at the end of each month. This pattern often goes unnoticed, as it’s usually composed of small, seemingly insignificant purchases that accumulate over time.

The danger of wasteful spending is its subtlety.

It’s the daily coffee on the way to work, the meal out because cooking feels like too much of an effort, or the impulse buys during the sale season.
Individually, these do not seem like considerable expenses, but together, they can consume a substantial portion of your budget.

To curtail this financial leak begins with recognizing and acknowledging these habits. Tracking every penny spent can be an eye-opening experience, illustrating just how quickly the ‘little things’ can add up. With this awareness, one can then consciously decide where to cut back.

Overcome By: Adopting a minimalist approach, where value and purpose become the benchmarks for every expense, can help combat wasteful spending. Questions like, “Do I really need this?” or “Will this purchase add value to my life?” can serve as useful filters. Take up a no spend challenge to see your mindless consumption.

#8 – Fail to Recognize the Patterns That Lead to a Near-Empty Wallet

Failing to recognize the patterns that deplete your wallet is akin to ignoring the signs of a leaking roof until it caves in—it’s a disaster in the making. Often, it isn’t one significant financial blunder, but rather a series of small, recurring missteps that lead to the near-empty wallet syndrome.

For instance, routinely underestimating monthly expenses can lead to a perpetual state of surprise when the bills pile up.
Similarly, neglecting to keep tabs on bank account balances may result in overdraft fees that, over time, take a sizable bite out of your funds.
Disregarding the accumulative effects of late payment charges or routinely paying only the minimum on credit card balances can exacerbate financial distress.

Overcome By: To reverse this trend, one must become a detective in their own financial mystery. Start by scrutinizing bank statements and tracking expenses. Look for patterns, like repeated late-night online shopping sprees or habitual dining out, which contribute to the thinning of your wallet. Use budgeting apps or spreadsheets to flag these patterns visually, making it easier to identify and amend them.

#9 – How Fear and Denial Contribute to Ongoing Money Issues

Fear comes in several forms: fear of failure, fear of taking risks, and even fear of facing the truth about one’s financial situation. It can immobilize individuals, preventing them from making necessary financial changes or taking action that could otherwise mitigate or reverse money woes.

For instance, the fear of losing money might dissuade one from investing in potentially lucrative opportunities, leaving them stuck in the low-yield safety of a savings account.

Further, there’s the psychological phenomenon of denial—a defense mechanism that numbs the pain of reality. When faced with mounting debt or budgetary failure, denial kicks in, allowing individuals to live as if the problem doesn’t exist. Unfortunately, ignoring overdue notices or dodging calls from creditors doesn’t make debts disappear.

Denial only deepens the financial hole, often leading to larger, more complex problems.

Overcome By: To confront these challenges, it’s crucial to adopt a stance of brutal honesty with oneself. This means acknowledging fears and confronting financial shortcomings head-on. Professional help, such as financial counselors or advisors, can provide support and guidance to navigate these tricky emotional waters.

#10 – No Clear Financial Goals and Plans

The absence of clear financial goals and plans is like embarking on a voyage without a destination. It not only leads to aimless wandering but also ensures that you miss out on the focus and motivation that well-defined objectives provide.

When you lack clarity on what you’re saving for or what you wish to achieve, there is little impetus to resist the temptations of immediate gratification or to weather the short-term sacrifices that long-term gains often require.

Setting clear and measurable financial goals lays the groundwork for creating effective plans to reach them.

Overcome By: To break this cycle, begin by reflecting on what you value most and where you would like to be financially in the future. Whether it’s achieving debt freedom, owning a home, funding education, or planning for retirement, having specific goals in mind will define the purpose of your financial activities. Craft a plan that outlines the steps needed to accomplish them.

#11 – Laziness is your Game

When you approach your finances with a laissez-faire attitude, it’s akin to ignoring the health of a garden; without regular attention and effort, it’s bound to wither. Financial laziness can manifest in various ways, from failing to review bank statements and ignoring budgeting to neglecting opportunities to cut costs or boost income.

Each act of omission is a step closer to the financial doldrums.

Procrastination or avoidance might seem less painful at the moment, but they ultimately compound the problem. Contrary to what some might think, simple acts of financial diligence, such as cash management or regularly doing household chores, do not require Herculean effort.

Moreover, they set a foundation for sound financial habits that thwart needless spending.

Overcome By: Schedule time for financial management much like an important meeting.

#12 – Keeping up with Others is Breaking Your Bank

The urge to keep up with others—often termed the ‘Keeping up with the Joneses’ or ‘Keeping up with the Kardashians’ phenomenon—is a profound pressure that exerts an invisible, yet powerful, force on financial habits. This social comparison can lead to an insidious form of competition, one that disregards personal financial realities in favor of an illusory social standing.

It’s an impulse driven by comparison, where the benchmark of success is set not by personal satisfaction, but by the possessions and lifestyles of others.

The decision to upgrade to a luxury car, splurge on designer clothes, or redo a perfectly functional kitchen stems not from need, but from a desire to project an image that matches or surpasses those in your social sphere.

Financial guru Dave Ramsey encapsulates this philosophy with his common saying, “Live like no one else will now, so in the future, you can live like no one else can.” This means making money moves that are right for you, not those dictated by social pressures, which can sometimes involve humbler living now for a wealthier future.

Overcome By: Breaking free from the shackles of this social competition requires introspection and a bold reaffirmation of personal values. Adjusting focus towards personal financial goals and aspirations, rather than mirroring others’ spending decisions, is key.

#13 – Need Help Differentiating Needs from Wants

The blurring line between needs and wants is a common financial pitfall that can lead individuals deeper into the morass of money woes.

Needs are essentials, the non-negotiable items necessary for survival—food, shelter, healthcare, and basic utilities.
Wants, on the other hand, include anything that is not vital for basic survival but enhances comfort and enjoyment of life.

The difficulty in distinguishing between the two often stems from habituation. What starts as a luxury, like eating out at restaurants, getting a high-end smartphone, or subscribing to multiple streaming services, can quickly become perceived as essential. This is particularly difficult in a consumer-driven society, where advertising and social media constantly inflate our perception of what we ‘need’ to lead a fulfilling life.

The result? A budget that’s stretched thin on non-essentials, leaving little room for savings or investment.

Overcome By: Regularly reassess expenses and ask the hard questions about whether a purchase is genuinely essential or merely a desire dressed up as a need.

#14 – You Don’t Make Enough Money to Cover Your Expenses

When your income doesn’t cover expenses, the strain can be relentless. This financial imbalance is often the stark root of the “I am broke” refrain. In such cases, every dollar becomes precious, and the financial breathing room feels nonexistent.

The reason is straightforward: if what comes in is less than what goes out, deficits and debt are the inevitable outcomes.

Addressing this challenge requires a two-pronged approach—increasing income and/or reducing expenses. For many, reducing expenses is the immediate reflex, and while it’s an essential strategy, there’s only so much you can save, but no limit to how much you can earn.

Overcome By: Focus on making more money. This could mean asking for a raise, seeking better-paying job opportunities, pursuing a side hustle, making money online, or acquiring new skills that offer higher income potential.

Long-Term Solutions to Build a Secure Financial Future

Building a secure financial future is an aspirational goal for many, but achieving it requires a strategic approach characterized by foresight, discipline, and an understanding of personal finance.

Becoming financially independent doesn’t happen by magic chance; it’s the result of deliberate actions taken with consistency over time.

Here are the foundational blocks for constructing a sturdy financial edifice:

Invest in Financial Literacy: Knowledge is power, and this is especially true in the realm of finance. Educate yourself about budgeting, investing, insurance, taxes, and retirement planning. Reliable resources include books, online courses, podcasts, and workshops.
Set Clear Financial Goals: Define what financial success looks like for you, whether it’s being debt-free, owning a home, or achieving financial independence. Detailed goals provide direction and motivation for your financial plan.
Create a Robust Budget: A flexible budget isn’t a one-time exercise but a living document that should evolve with your financial situation. It should reflect your income, fixed and variable expenses, and financial goals.
Establish an Emergency Fund: This is the bedrock of financial security. Aim to save three to six months’ worth of living expenses to protect yourself from unforeseen circumstances without falling into debt.
Pay Off Debt: High-interest debt is a major impediment to financial growth. Utilize strategies like the debt snowball or avalanche methods to tackle debts efficiently. Once you’re debt-free, avoid accumulating new debt.
Diversify Income Streams: Relying on a single source of income is a risk. Look for opportunities to create additional streams of income, such as side businesses, freelance work, or passive income from investments.
Invest Wisely: Make your money work for you through smart investments. Consider diversified portfolios, retirement accounts, and tax-efficient investment strategies to grow your wealth over time.
Plan for Retirement: The future is closer than you think. Contribute regularly to retirement accounts like 401(k)s or IRAs. Take advantage of employer match programs if available, as they’re essentially free money.
Protect Yourself with Insurance: Ensure you have adequate insurance coverage for health, life, property, and potential liabilities. This helps to guard against catastrophic financial losses.

Breaking the Cycle of Being Broke

Just like becoming broke is often a gradual process—a few uncalculated loans, hasty investments, and numerous credit card swipes. Suddenly, financial stability seems like a far-off dream.

The same goes for breaking the cycle of being broke. It is about moving from living paycheck to paycheck with no savings, drowning in debt, and making questionable spending decisions to become financially stable.

Even though our society may see being broke as normal, it is possible to embrace financial prudence to defy such norms. It’s time to delve into the reasons behind the perpetuation of brokeness and unveil practical steps toward lasting financial freedom.

What do I do if I’m broke?

Finding yourself in a financial predicament where the end of your money arrives before your next paycheck is a stress-inducing scenario.

When faced with the stark reality of being broke, here’s a step-by-step guide to help you navigate through and set the stage for a more stable financial future:

Assess Your Situation: Take stock of all your available assets and resources. This includes checking account balances, any savings, and items you could potentially sell for quick cash. Understanding what you have can help you gauge your immediate next steps.
Prioritize Your Expenses: Sort your expenses by urgency and necessity. Essentials like rent, utilities, and groceries come first. Non-essentials or discretionary spending should be paused or significantly reduced until your financial situation improves.
Reduce Costs Immediately: Eliminate any non-essential expenses. Cancel or suspend subscriptions, memberships, or services that are not vital. Consider cheaper alternatives for necessary expenses, and utilize community resources, such as food pantries, if needed.
Negotiate with Creditors: If you’re struggling to pay your bills, proactively reach out to creditors to discuss payment options. Many are willing to work with you on a revised payment plan to avoid defaults.
Seek Additional Income Sources: Consider taking on a side job, selling unused items, freelancing, or offering your skills for short-term gigs. Even small amounts of additional income can make a significant difference when you’re broke.
Consider Assistance Programs: Look into local, state, and federal assistance programs. You may be eligible for temporary aid to help with food, housing, or utility bills.
Borrow with Caution: If borrowing is unavoidable, be cautious and choose the most cost-effective options such as loans from family or friends, a personal loan with a low-interest rate, or a hardship withdrawal from your retirement account (as a last resort).

Remember, being broke can happen to anyone, so there’s no shame in it.

The key is to take swift, decisive action to mitigate the immediate crisis while also planning longer-term strategies to prevent recurrence. By addressing the issue head-on and adjusting your financial habits, you can initiate the journey from being broke to becoming financially buoyant.

FAQ: Navigating Away from Being Broke

Finding yourself consistently broke at the end of each month is an indicator that there’s a disconnect between your income and your spending habits.

It’s often the result of several factors or behaviors that, when combined, result in a cycle of financial scarcity. Here are common reasons why this might be happening:

No Budget or Poor Budgeting
Overspending
Impulse Purchases
Lack of Emergency Savings
Failure to Track Expenses
Living paycheck to paycheck
High Debt Payments

Remember, understanding why you’re broke at the end of the month is the first step towards financial stability.

Saving money when funds seem stretched to their limit is a challenge that requires creative strategy and discipline. Even with a tight budget, there are ways to eke out savings without significantly impacting your day-to-day life.

If saving a significant amount seems daunting, start by saving your change. Physically save coins or use apps that round up your purchases to the nearest dollar and save the difference. Check out my mini savings challenges.

Saving money when it seems there’s barely enough to cover the bills begins with a commitment to take whatever steps are necessary, however small they may initially seem. Every dollar saved is a step towards financial resilience and a buffer against future financial challenges.

Investing can be a powerful tool for building wealth over the long term, and it’s often considered a key component of achieving financial stability. However, for those who are currently struggling to make ends meet, the decision to invest should be approached with caution.

Investing typically involves committing money with the expectation of achieving a future financial return. It has the potential to outpace inflation and increase your wealth due to the power of compound interest. Nevertheless, it often carries the risk of losing the invested capital, a risk that those in financial distress may not be in the position to take.

Feeling Broke without Money – Time to Make A Change

Feeling broke is a stressful and demoralizing experience, but it’s also a clarion call for change. It signals that your financial health needs attention and that your money management strategies may require a significant overhaul.

However, the situation is not without hope; with determination and the right approach, it’s possible to transform your financial landscape.

The journey away from the precipice of being broke begins with honesty, introspection, and a willingness to adapt. It’s about confronting uncomfortable truths, devising a clear plan, and taking decisive action. From crafting and adhering to a precise budget, cutting unnecessary expenses, to seeking additional income streams—all these steps are essential in the path to financial stability.

Remember, feeling broke isn’t a permanent state. Mindset is everything.

It’s a challenge to be met, an opportunity for growth, and a chance to steer the course of your financial ship towards calmer and more abundant waters. Your future self will thank you for the changes you implement today, so take that first step now.

>>>It’s time to make a change—because you deserve the peace of mind that comes with financial security.

Source

Experian. “Experian Study: U.S. Consumer Debt Reaches $16.84 Trillion in Q2 2023.” https://www.experian.com/blogs/ask-experian/research/consumer-debt-study/. Accessed January 25, 2024.
Consumer Financial Protection Bureau. “Emergency Savings and Financial Security.” https://files.consumerfinance.gov/f/documents/cfpb_mem_emergency-savings-financial-security_report_2022-3.pdf. Accessed January 25, 2024.

Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Source: moneybliss.org

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January 26, 2024 by Brett Tams

Renting in Seattle? Discover the most affordable Seattle suburbs to live in 2024.

With the Space Needle soaring, Olympic Mountain looming and a buzzing city coming to life, there are more than a few reasons to settle down in Seattle. If you’re new to the city you may be wondering, how much does rent cost in Seattle? The average monthly rent prices are $1,422 for a studio, $2,145 for a one-bedroom unit and $2,991 for a two-bedroom unit. However, these prices may not fit your budget.

If you’re looking for a more affordable alternative in the Emerald City, you’re in the right place. Below, we’ll explore 12 of the most affordable Seattle suburbs, where you can still enjoy the Pacific Northwest charm without breaking the bank. From scenic landscapes to tight-knit communities, these economical enclaves are budget-friendly ways to enjoy the stunning beauty of the Puget Sound region.

Average rent for a one-bedroom: $1,450

Average rent for a two-bedroom: $2,218

Distance from Seattle: 17 miles

Apartments for rent in Des Moines

Claiming the first place on our list of affordable Seattle suburbs is Des Moines. Only about 17 miles south of Seattle, you’re just a short distance from the city center. You’ll also save close to $700 monthly on rent if you’re planning to lease a one-bedroom apartment.

There are plenty of things to do in Des Moines. For example, you can explore Saltwater State Park along the shores of Puget Sound or spend the afternoon checking out the sea life at MaST Center Aquarium.

Average rent for a studio: $1,275

Average rent for a one-bedroom: $1,522

Average rent for a two-bedroom: $1,765

Distance from Seattle: 11 miles

Apartments for rent in Tukwila

Just 11 miles south of Seattle is our second suburb, Tukwila. The area is home to about 21,600 residents. The average rents are also much less than in Seattle. For example, a one-bedroom unit in Tukwila costs $1,522 compared to $2,145 in Seattle.

Tukwila is home to the Museum of Flight, an expansive museum with over 175 aircraft and plenty of displays, giving you plenty to explore. You can also visit the sprawling Southcenter Mall, which houses plenty of options for shopping, dining and killing a few hours in the middle of the day.

Average rent for a studio: $1,699

Average rent for a one-bedroom: $1,560

Average rent for a two-bedroom: $1,845

Distance from Seattle: 20 miles

Apartments for rent in Kent

As a renter searching for affordability, you might want to consider Kent. It’s a fantastic suburb located about 20 miles south of Seattle. The average rent for a one-bedroom unit is about $600 less than in Seattle.

In Kent, you can easily explore the scenic Green River Natural Resources Area, which has walking and biking trails that are perfect for enjoying the picturesque riverbanks. Kent is also home to the ShoWare Center, a popular venue for hockey games, concerts and more.

Average rent for a studio: $1,595

Average rent for a one-bedroom: $1,604

Average rent for a two-bedroom: $1,600

Distance from Seattle: 28 miles

Apartments for rent in Auburn

A bit farther from Seattle you’ll find Auburn, which is around 28 miles to the south. Auburn is an affordable suburban alternative to much of the surrounding area. The slightly longer commute might be a trade-off worth considering as the average rent is considerably less.

There’s plenty to do in Auburn, like exploring Game Farm Wilderness Park, where you can camp and explore the trails. You can also check out Emerald Downs, a great racing track to kick back and watch the ponies fly.

Average rent for a studio: $1,215

Average rent for a one-bedroom: $1,621

Average rent for a two-bedroom: $1,913

Distance from Seattle: 24 miles

Apartments for rent in Federal Way

About 24 miles away from downtown Seattle is Federal Way, another great suburb for renters to consider. Home to 99,000 residents, Federal Way is an excellent option for renters looking for a less busy city – and more affordable rent prices.

Federal Way supports a range of activities, including the Pacific Bonsai Museum, where you can admire a stunning collection of bonsai trees from around the world. You can explore Dash Point State Park, where you’ll find a beach, hiking trails and waterfront views. The city is also home to the Wild Waves Theme & Water Park, which provides thrilling rides and water slides, perfect for a family day in the heat of the summer.

Average rent for a studio: $1,950

Average rent for a one-bedroom: $1,651

Average rent for a two-bedroom: $1,852

Distance from Seattle: 30 miles

Apartments for rent in Everett

Securing the sixth spot on our list, Everett is a familiar Seattle suburb. This area is home to roughly 110,800 residents, making it feel much more city-like than many of the other towns featured in this article.

Everett is home to the Boeing Future of Flight Aviation Center, where you can take tours and learn about the aviation industry’s history and innovation. For outdoorsy types, Jetty Island, a sandy beach destination perfect for kiteboarding and kicking back by the beautiful Puget Sound, is a must-see.

Average rent for a one-bedroom: $1,722

Average rent for a two-bedroom: $2,250

Distance from from Seattle: 15 miles

Apartments for rent in Mountlake Terrace

Claiming the seventh spot on our list of renter-friendly Seattle suburbs is Mountlake Terrace. It’s only about 15 miles north of downtown, making it a great option for daily commuters.

While a smaller city, there is plenty to do in Mountlake Terrace. You can take a quick trip to the serene Ballinger Park, full of walking trails, a lake, picnicking and more. For a taste of local culture, you can visit Mountlake Terrace Pavilion, which hosts a ton of events and activities throughout the year.

Average rent for a studio: $1,672

Average rent for a one-bedroom: $1,930

Average rent for a two-bedroom: $2,119

Distance from Seattle: 12 miles

Apartments for rent in Burien

If you’re a longtime Seattle resident, then you probably know about Burien. In Burien, one-bedroom units generally rent for $1,930 and two-bedroom units are available for around $2,119, providing considerable savings compared to Seattle.

If you’re wondering what to do in Burien, you can explore Seahurst Park, which has gorgeous tidepools and scenic waterfront views. Burien’s bustling downtown area offers a stellar food scene with lots of restaurants, making it a great destination for foodies looking to expand and refine their palettes.

Average rent for a studio: $1,894

Average rent for a one-bedroom: $1,974

Average rent for a two-bedroom: $2,200

Distance from Seattle: 18 miles

Apartments for rent in Edmonds

Edmonds is home to about 42,700 people and is just a bit over 17 miles north of downtown Seattle. Located along Puget Sound, living in Edmonds means you’re never far from the water and the many activities that come with it. You can explore Edmonds Beach and Brackett’s Landing North, or simply enjoy stunning sunset views over Puget Sound.

The town is also known for its strong arts community, with plenty of art galleries and the Edmonds Center for the Arts, providing a variety of events for artsy folks to enjoy.

Average rent for a studio: $1,710

Average rent for a one-bedroom: $2,000

Average rent for a two-bedroom: $2,620

Distance from Seattle: 14 miles

Apartments for rent in SeaTac

Ranking 10th on our list of affordable Seattle suburbs for apartment hunters is SeaTac. This suburb has a population of 30,700 and is roughly 14 miles south of Seattle.

SeaTac is most well-known as home to the SeaTac International Airport, but there’s plenty to do on an afternoon or weekend. You can explore Angle Lake Park, which boasts a scenic lake stocked for fishing and ideal for boating, making it a great spot for nature lovers of all persuasions. The city also provides convenient access to the Light Rail, allowing making trips into downtown Seattle a breeze.

Average rent for a studio: $1,877

Average rent for a one-bedroom: $2,039

Average rent for a two-bedroom: $2,662

Distance from Seattle: 20 miles

Apartments for rent in Bothell

Bothell is the 11th suburb on our list. You’ll find Bothell about 20 miles northeast of Seattle. Commute times can vary depending on bus routes and traffic, but you’ll still save significantly on rent costs.

Bothell is home to beautiful Bothell Landing Park, a picturesque spot along the Sammamish River with walking trails, a historical museum and a tranquil setting for soaking up the Seattle sun. Beyond that, the McMenamins Anderson School, a historic schoolhouse turned into a unique entertainment complex, offers dining, bars, a movie theater and a pool, making it a great spot to start or end a night on the town.

Average rent for a one-bedroom: $2,050

Average rent for a two-bedroom: $1,915

Distance from Seattle: 7 miles

Apartments for rent in Mercer Island

Taking the 12th and final spot on our list of renter-friendly, affordable Seattle suburbs is Mercer Island. Primarily known for its luxurious homes, its rental prices are surprisingly more budget-friendly than one might expect. On average, you’ll save about $100 a month renting a one-bedroom unit or about $1,000 for a two-bedroom unit. It’s also commuter-friendly, as Mercer Island is a mere 7 miles from Seattle’s city center.

The area is surrounded by the shimmering waters of Lake Washington, offering opportunities for boating, swimming and lakeside relaxation at Luther Burbank Park. The town is also known for its scenic parks and large green spaces, making it an ideal area for renters seeking a peaceful escape from city life without fully cutting the tether to urban conveniences and entertainment.

Remember, if you’re looking to hop over from renter to buyer, make sure to also check out the most affordable Seattle suburbs to buy a home.

Methodology

Affordability is based on whether a suburb’s one and two-bedroom rent was less than Seattle and under 30 miles from downtown Seattle. Average rental data from Seattle rental market trends on October 26, 2023. Population data sourced from the United States Census Bureau.

Source: rent.com

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January 24, 2024 by Brett Tams

See what makes Cincinnati such a sweet spot to call home.

Welcome to Cincinnati, a hidden gem in the heartland of America. This article will act as your guide to understanding and enjoying everything that makes Cincinnati such a unique and enjoyable place to call home.

Whether you’re drawn by the allure of its historical significance, the plentiful employment opportunities, the many entertainment options or the outdoor splendor and downright delicious local dishes, Cincy has something for everyone. But what is Cincinnati known for, beyond the stereotypes? Let’s embark on a journey through the streets of this charming city, exploring the very essence of what makes Cincinnati, well, Cincinnati.

History

Situated on the banks of the Ohio River, the origins of Cincinnati trace back to 1788, making it one of the earliest settlements in the Midwest. Named after the Society of the Cincinnati, an organization honoring George Washington, the city initially flourished as a port town. The 19th century saw Cincinnati’s golden era, where it emerged as a center for commerce and industry, largely thanks to the Ohio and Erie canals.

As the 20th century dawned, Cincinnati continued to evolve, adapting to the changing times with remarkable resilience. Its architectural legend, seen in landmarks like the John A. Roebling Suspension Bridge, is a testament to its historical significance. In terms of innovation, Cincinnati was the birthplace of professional baseball with the Cincinnati Red Stockings in 1869, and later, the home of the first professional team, the Reds.

Cincy is also home to a ton of stellar educational institutions and a strong economy, anchored by sectors like healthcare, education and consumer goods. Today, Cincinnati is known for a lot. Above all, it’s a city where the past is not just remembered but celebrated and where a bowl of chili isn’t just a bowl of chili, it’s a plate of spaghetti too.

Employment

Beloved for its hard-working people and scenic riverfrontage, Cincinnati is equally notable for its employment opportunities. The healthcare industry is particularly strong, with major employers like Cincinnati Children’s Hospital Medical Center and UC Health leading the charge. These institutions are top healthcare providers and significant contributors to research and innovation in the medical field.

Education, another cornerstone of Cincinnati’s economy, is championed by esteemed institutions like the University of Cincinnati and Xavier University. These colleges are also major employers in the city, both fueling the intellectual and economic vitality of the region.

Cincinnati is also proud to host the headquarters of Procter & Gamble, a global giant in household and personal care products. This presence cements the city’s reputation as a hub for consumer goods innovation and business acumen.

Five of the largest employers in Cincinnati

The job scene in Cincy is also enriched by a burgeoning startup community, fueled by supportive initiatives like Cintrifuse and The Brandery, making the city a fertile ground for entrepreneurs and innovators. This blend of established corporations and emerging businesses creates a unique employment environment, where traditional industry expertise meets cutting-edge innovation, and everyone has an opportunity to snag a seat at the table.

The city’s strategic location along the Ohio River has historically made it a center for trade and logistics, a legacy that continues today with plenty of opportunities in transportation and warehousing. The diversity of Cincinnati’s employment opportunities, coupled with its commitment to innovation and growth, makes it an ideal place for career development and personal growth.

What is Cincinnati known for, in terms of entertainment?

Cincinnati offers more than a few entertainment options that cater to all interests. At the heart of its entertainment scene is the historic Over-the-Rhine district, a rejuvenated area where 19th-century architecture meets modern-day life. This district, famous for its beautifully restored buildings and lively streets, is home to Findlay Market, Ohio’s oldest continuously operated public market.

For music and theater enthusiasts, the Cincinnati Music Hall, an iconic venue known for its stunning architecture and world-class acoustics, puts on performances from the Cincinnati Symphony Orchestra, the Cincinnati Opera and a ton of other arts events. The city also prides itself on hosting the Cincinnati Art Museum and the Contemporary Arts Center, both renowned for their impressive collections and exhibitions.

Five of the best live performance venues in Cincinnati

For those seeking thrills and family fun, Cincinnati has options. The city is home to the famous Kings Island amusement park, just a short drive away, offering roller coasters and entertainment for all ages. Sports fans can enjoy the excitement at the Great American Ball Park, home of the Cincinnati Reds, America’s oldest professional baseball team, or catch a game at the Paul Brown Stadium, where the Cincinnati Bengals bring the big plays and the hard hits.

The Cincinnati Zoo & Botanical Garden, one of the oldest zoos in the United States, provides a captivating and educational experience for nature lovers. With its unique blend of historical allure and contemporary charm, Cincinnati’s entertainment scene offers a memorable experience that encapsulates the city’s spirit of innovation and tradition.

Outside

Celebrated for its striking riverfront and lush green spaces, Cincinnati offers a ton of things for outdoorsy types to do on a sunny day in the city. The crown jewel of Cincinnati’s outdoor portfolio is Smale Riverfront Park, a scenic expanse along the banks of the Ohio River, providing spectacular views and a variety of recreational activities. Another not-to-be-missed outdoor escape is the Cincinnati Nature Center, with miles of walking trails through picturesque forests and meadows, ideal for bird watching, hiking or simply soaking up the Cincy sunshine.

Five scenic state parks near Cincinnati

For the more adventurous spirits, the city’s proximity to the Ohio River opens up a world of water-based activities. Kayaking and paddle boating along the river provide a unique perspective of the city’s skyline, while also offering a peaceful retreat on the water. Little Miami Scenic Trail, a favorite among runners and bikers, provides a pathway through some of the most beautiful parts of Ohio.

Devou Park, situated in neighboring Covington, Kentucky, is still easily accessible from Cincinnati, and features breathtaking views of the city skyline, along with extensive trails and a challenging golf course. During the winter months, the nearby Perfect North Slopes resort in Lawrenceburg, Indiana, caters to skiers and snowboarders, offering snowy thrills just a short drive from the city.

Food

Cincinnati’s food scene is a delightful exploration of flavors and cultures that range from upscale to breakfast at the bar in a family-owned diner. A quintessential Cincinnati experience is tasting the city’s famous chili, uniquely served over spaghetti and topped with a mountain of shredded cheese – a dish that has become synonymous with the city’s soul.

Cincy also prides itself on its German heritage, evident in its love for sausages and goetta, a local breakfast specialty. Cincinnati also celebrates its brewing history, with a thriving craft beer scene that includes traditional breweries and trendy taprooms, each offering a distinct taste of the city’s rich brewing heritage.

Five of the best restaurants in Cincinnati

Helmed by creative chefs, Cincinnati is quickly transforming into a city that is a bonafide hub for gastronomic excellence. From fancy dining to cozy cafes, the variety caters to all palates. The Over-the-Rhine district buzzes with eclectic eateries and hip hangouts, providing a perfect blend of old-world charm and modern comfort.

Seasonal food festivals, like the Taste of Cincinnati and Oktoberfest Zinzinnati, offer opportunities to savor a range of dishes and celebrate the city at its finest. With a blend of historic flavors and contemporary flair, Cincinnati’s food scene offers a unique and memorable experience that is integral to the city’s identity.

See yourself in Cincinnati

After this brief exploration of one of the Midwest’s brightest stars, it’s easy to see that Cincinnati is not just a city; it’s a living, breathing entity full of history, innovation and community. Its robust employment landscape, coupled with its many entertainment options and outdoor activities, makes it a place of endless possibilities.

Whether you’re a resident discovering hidden gems or a visitor experiencing the city’s majesty for the first time, Cincinnati is a journey full of discovery and delight. From the rolling Ohio River to the bustling streets of Over-the-Rhine, every corner of Cincinnati tells a story, inviting you to be a part of its ongoing narrative. The only question now is, where will you settle down in the city?

Source: rent.com

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January 23, 2024 by Brett Tams

Surround yourself with tasteful touches of golf and the essence of the game.

COURTESY

Welcome to GOLF’s 2023 edition of the Best of Everything, where we’re providing you with, well…the best of everything! In this case — the best golf wall art and home decor of 2023!

Check out GOLF’s picks for the best golf home décor of 2023, which includes art from One Kings Lane, Ballpark Prints, Lie + Loft, Evan Schiller Photography and more.

Keep scrolling to see this collection of art to adorn your walls with all things golf. Find perfect gifts for a golfer you love, or deck your office with golf-themed décor.

Keep scrolling for some of the very best home decor we saw in 2023 that you can add to walls, coffee tables or desks.

If you love these must-have pieces of golf art, check for additional size, frame and canvas options by clicking the “buy now” button below.

All of our market picks are independently selected and curated by the editorial team.
If you buy a linked product,
GOLF.COM may earn a fee. Pricing may vary.

An official Licensee of the St. Andrews Links, this is a trusted source for genuine licensed course artwork. These pieces of golf artwork are available in a variety of options. You may choose from metal or canvas as well as framed or unframed. The sizes and options for frames are nearly endless.

Buy just the print or unframed canvas, or choose from multiple frame options in various sizes.

The golfer wall hook like the one below is the perfect extra sprinkle of golf into interior decor. Shop more quality home decor below.

These painting prints are just too cute! Swinging birdies and meerkats … I mean … how adorable is that? These prints are available in framed canvases, framed prints, canvas prints and rolled prints.

These prints come in four sizes. You’ll also have the choice between no frame, a natural frame, a black frame or a white frame.

Enjoy hand-signed, framed or digital signature prints in two size options. You’ll also have the choice in no frame or 4 wooden frame colors.

Consider these deals! Buy 2 PRINTS, use code BUNDLE10 for 10% off… or buy 3 or more PRINTS, use code BUNDLE20 for 20% off.

Source: golf.com

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January 22, 2024 by Brett Tams

A sprawling 26.72-acre property nestled along the serene banks of the Wicomico River in Eden, Maryland has recently landed on the market — with a bang.

Listed at $2,690,000, it’s currently the priciest home listed for sale in the entire Wicomico County, surpassed only by a Delmar, MD empty lot (spanning over 40 acres) that’s looking to fetch $3.9 million.

Whitney Elliott with the Salisbury office of Coldwell Banker Realty in the Mid-Atlantic holds the listing.

The expansive Eden, MD property is anchored by an 8,252-square-foot estate that blends traditional charm with modern luxury and offers a rare opportunity to own a piece of riverside paradise — complete with a two-story observatory.