When shopping for apartments, listings feature numerous dimensions stating how small or large the space is. Obviously, a 1,000-square-foot apartment will be larger than an 800-square-foot apartment. But if both apartments have two bedrooms, it’s hard to distinguish how much larger the 1,000-square-foot apartment is.
So, how big is 1,000 square feet? Learning how to measure for yourself and looking at some comparisons can go a long way in putting 1,000 square feet into perspective.
How to measure 1,000 square feet
To provide guidelines on standardized measurements, the American National Standards Institute oversees standards and conformity assessment activities to keep everyone on the same page. However, not everyone adheres to these standards, so it’s imperative to take your own measurements to confirm an apartment is an advertised size.
To adequately measure an apartment, condo, townhome, rental house, tiny home or other property, start by listing all the different rooms in the unit on a piece of paper. This includes all closets, hallways, utility spaces and so on.
Next, measure each room with a tape measure. Measure both the length and width of the room and then, multiply those two numbers. That’s the square footage of the room, which is noted by the correct space on the list.
If you have a room with an offset that’s not flush with the rest of the room, measure that section separately. For instance, if the kitchen has an eating nook, measure the straight lines of the kitchen, and then measure the straight lines of the eating nook to get each section’s square area.
To keep the math simple, round all measurements to the nearest half foot. For example, if the master bedroom is 12 feet by 8 feet, 7 inches, multiply 12 by 8.5 to get the square footage: 102 square feet.
After measuring all spaces in the unit, add them together for the unit’s total square footage.
Source: Rent. / Buckhead Town Homes and Gardens
What does 1,000 square feet look like?
It’s not easy to picture how much space 1,000 square feet actually is, so consider some comparisons. One example is a regulation tennis court for singles matches. This court measures 2,106 square feet, so a 1,000-square-foot apartment would sit on about one-half of the tennis court. Here are some other comparisons:
The average two-car garage is 400 square feet, so imagine two and a half two-car garages sitting side by side
On an NBA basketball court, the foul line is 19 feet from the baseline behind the basket. The court is 50 feet wide. If you measure the court size from the baseline to the foul line, it is 950 square feet.
The average size of a rectangular in-ground swimming pool is 200 square feet, so imagine five swimming pools side by side
How much can I fit into a 1,000-square-foot apartment?
Although actual layouts may vary, many 1,000-square-foot apartments often have two bedrooms, two bathrooms, a living area, a dining area and a kitchen. Within those layouts, the rooms may vary, such as a larger living and dining area and smaller bedrooms.
In some cases, the living and dining rooms could be about the same size as the bedrooms. Or, the bedrooms could be larger, with small main living spaces.
It’s likely a king bed will fit comfortably in at least one of the bedrooms. The living area likely will accommodate a sofa, a couple of chairs and two or three side tables. The dining area usually is large enough for a kitchen table and four chairs.
Given these are basic items, a 1,000-square-foot apartment also usually will accommodate accessories, such as bookshelves, TV consoles, dressers and other furnishings.
A 1,000-square-foot apartment generally accommodates a family of four or less.
The benefits of living in 1,000 square feet
When considering a 1,000-square-foot apartment, there are many benefits to choosing an apartment of this size.
You’ll have extra space for storage
In a 1,000-square-foot apartment, you could find yourself with plenty of storage space. For instance, if you plan to use the second bedroom as an office or guest room, you can use that bedroom’s closet for storage.
Plus, you can put furniture in there to use as storage, such as bookcases, chest of drawers and armoires.
You could save on utility costs
Choosing a 1,000-square-foot apartment could help keep utility costs in check. Having a smaller floor area means less work keeping it warm or cool enough, which reduces the cost of your electric bill. Fewer windows could help, as well, since you can keep curtains closed in the winter to keep warm air in and help prevent cold air from escaping during summer.
Use effective interior design to maximize space
Once you start moving into a 1,000-square-foot apartment, the rooms may start to feel smaller. But you can take steps to prevent that from happening with the right home designs.
For instance, decorating with lighter colors can reflect light and make the rooms feel bigger. If the walls are already white or a light color, just add pops of color through accessories like area rugs, throw pillows and artwork.
While you want to maximize the storage space in your apartment, don’t try to cram too many furnishings into the rooms. For example, choose a large sofa, chair and coffee table instead of several chairs, a loveseat and side tables.
Adding baskets also can help keep your apartment decluttered, so you don’t feel like your stuff is overtaking the place. Baskets are great catch-alls for books, magazines, papers and other items in the living room.
They also serve as a good storage spot for towels if you don’t have a lot of cabinets in the bathroom. Throwing toys in your child’s bedroom also can make clean-up quick and easy.
Turn 1,000 square feet into your perfect living space
For many people, 1,000 square feet may seem like a small apartment while, for others, it may seem like more than enough square footage. Regardless of your circumstances, you can make 1,000 square feet your perfect-sized property with the right furnishings and home designs in each of the rooms.
When shopping for apartments, listings feature numerous dimensions stating how small or large the space is. Obviously, a 1,000-square-foot apartment will be larger than an 800-square-foot apartment. But if both apartments have two bedrooms, it’s hard to distinguish how much larger the 1,000-square-foot apartment is.
So, how big is 1,000 square feet? Learning how to measure for yourself and looking at some comparisons can go a long way in putting 1,000 square feet into perspective.
How to measure 1,000 square feet
To provide guidelines on standardized measurements, the American National Standards Institute oversees standards and conformity assessment activities to keep everyone on the same page. However, not everyone adheres to these standards, so it’s imperative to take your own measurements to confirm an apartment is an advertised size.
To adequately measure an apartment, condo, townhome, rental house, tiny home or other property, start by listing all the different rooms in the unit on a piece of paper. This includes all closets, hallways, utility spaces and so on.
Next, measure each room with a tape measure. Measure both the length and width of the room and then, multiply those two numbers. That’s the square footage of the room, which is noted by the correct space on the list.
If you have a room with an offset that’s not flush with the rest of the room, measure that section separately. For instance, if the kitchen has an eating nook, measure the straight lines of the kitchen, and then measure the straight lines of the eating nook to get each section’s square area.
To keep the math simple, round all measurements to the nearest half foot. For example, if the master bedroom is 12 feet by 8 feet, 7 inches, multiply 12 by 8.5 to get the square footage: 102 square feet.
After measuring all spaces in the unit, add them together for the unit’s total square footage.
Source: Rent. / Buckhead Town Homes and Gardens
What does 1,000 square feet look like?
It’s not easy to picture how much space 1,000 square feet actually is, so consider some comparisons. One example is a regulation tennis court for singles matches. This court measures 2,106 square feet, so a 1,000-square-foot apartment would sit on about one-half of the tennis court. Here are some other comparisons:
The average two-car garage is 400 square feet, so imagine two and a half two-car garages sitting side by side
On an NBA basketball court, the foul line is 19 feet from the baseline behind the basket. The court is 50 feet wide. If you measure the court size from the baseline to the foul line, it is 950 square feet.
The average size of a rectangular in-ground swimming pool is 200 square feet, so imagine five swimming pools side by side
How much can I fit into a 1,000-square-foot apartment?
Although actual layouts may vary, many 1,000-square-foot apartments often have two bedrooms, two bathrooms, a living area, a dining area and a kitchen. Within those layouts, the rooms may vary, such as a larger living and dining area and smaller bedrooms.
In some cases, the living and dining rooms could be about the same size as the bedrooms. Or, the bedrooms could be larger, with small main living spaces.
It’s likely a king bed will fit comfortably in at least one of the bedrooms. The living area likely will accommodate a sofa, a couple of chairs and two or three side tables. The dining area usually is large enough for a kitchen table and four chairs.
Given these are basic items, a 1,000-square-foot apartment also usually will accommodate accessories, such as bookshelves, TV consoles, dressers and other furnishings.
A 1,000-square-foot apartment generally accommodates a family of four or less.
The benefits of living in 1,000 square feet
When considering a 1,000-square-foot apartment, there are many benefits to choosing an apartment of this size.
You’ll have extra space for storage
In a 1,000-square-foot apartment, you could find yourself with plenty of storage space. For instance, if you plan to use the second bedroom as an office or guest room, you can use that bedroom’s closet for storage.
Plus, you can put furniture in there to use as storage, such as bookcases, chest of drawers and armoires.
You could save on utility costs
Choosing a 1,000-square-foot apartment could help keep utility costs in check. Having a smaller floor area means less work keeping it warm or cool enough, which reduces the cost of your electric bill. Fewer windows could help, as well, since you can keep curtains closed in the winter to keep warm air in and help prevent cold air from escaping during summer.
Use effective interior design to maximize space
Once you start moving into a 1,000-square-foot apartment, the rooms may start to feel smaller. But you can take steps to prevent that from happening with the right home designs.
For instance, decorating with lighter colors can reflect light and make the rooms feel bigger. If the walls are already white or a light color, just add pops of color through accessories like area rugs, throw pillows and artwork.
While you want to maximize the storage space in your apartment, don’t try to cram too many furnishings into the rooms. For example, choose a large sofa, chair and coffee table instead of several chairs, a loveseat and side tables.
Adding baskets also can help keep your apartment decluttered, so you don’t feel like your stuff is overtaking the place. Baskets are great catch-alls for books, magazines, papers and other items in the living room.
They also serve as a good storage spot for towels if you don’t have a lot of cabinets in the bathroom. Throwing toys in your child’s bedroom also can make clean-up quick and easy.
Turn 1,000 square feet into your perfect living space
For many people, 1,000 square feet may seem like a small apartment while, for others, it may seem like more than enough square footage. Regardless of your circumstances, you can make 1,000 square feet your perfect-sized property with the right furnishings and home designs in each of the rooms.
Do you ever wish you knew the secrets to attract wealth because your 9 to 5 isn’t paying the bills very well? You’re not alone! Today, we’ll talk about the 11 secret life hacks that rich people are doing to make gaining wealth easier.
We’ve compiled the best answers from Reddit, so you don’t have to do it yourself. Read this blog and shift your mindset with these lessons from the wealthy.
1. Organize Everything
If you’re familiar with Marie Kondo, she specifically emphasizes that organizing and decluttering will have a huge impact our lives. It turns out that’s one of the life hacks of truly rich people.
One person said, “Allow me to ramble passionately about a hack of small consequence. Something I noticed about all the rich people’s houses is they have storage containers everywhere. The pantry isn’t piles of groceries shoved inside, it’s all in tidy bins, often matching, sometimes labeled. Their closets have shelves and drawers, not a single pole to hang items. Under their sinks are multiple bins and containers, sometimes on a pullout shelf/drawer. Their spices are ALL on racks, not just the few that fit in a singular rack with the rest piled on top or haphazardly in an adjacent cabinet.
“Their jewelry is organized like a utensil drawer and not shoved in a single box. There are trays or giant bowls by every entry door to toss your mail and keys instead of cluttering every flat surface. Imagine how much calmer your brain would be if you didn’t have to hunt through what feels like a disorganized garage sale everywhere you turn. You don’t have to bend over to rife through objects, you can bring a bin to you.
“I’m just a povvo, but I started ramping up my organizational game and it’s made a subtle but impactful difference in my daily life. Started with matching-sized Amazon boxes in the pantry and Dollar Tree fabric collapsible boxes for toiletries under the sinks and the closet floors, and built up from there. I’ve been slowly converting all my bathroom and kitchen shelves to pull-out drawers (this one is expensive).”
2. Buying in Bulk
This life hack may not be applicable to every body because, in order to save a lot of money on purchases, particularly groceries, you must have the money to shell out first.
One user shared, “Rich people can afford to save money on purchases if they want. I guess if you are rich and don’t care about saving $ it doesn’t apply to you, but it’s definitely a big benefit if you’re a frugal rich person. If that makes sense. A small tiny example. Most would categorize me as wealthy. I buy high-end groceries but aim to do it for as cheap as possible. When our Whole Foods has a sale on our favorite frozen pizzas, normally $12.99 and on sale for $7.99, I buy 10 of them and load up my deep freezer. The fact that I was able to save $50 is only possible because 1) I have enough money to shell out $80 for the upfront cost on the pizzas, and 2) I have a deep freezer to store it in. Neither of those things would be possible without money.”
3. Semi-Permanent Cosmetics
Beauty, in whatever form, is expensive—and only the rich don’t think twice about spending such a huge amount on beautifying themselves or their surroundings.
“…I think a lot of beauty at that level is faked, just like the lawns are faked. Spray tans, teeth caps, really expensive hair extensions and plugs, professional makeup, tailoring, even surgery, etc. etc. I was shocked when I learned about caps for teeth. I didn’t even know that was a thing. Feels like a total cheat code. Can even avoid the expense and discomfort of braces. There are a lot of beauty ‘hacks’ that are not accessible unless you have $$$,” someone shared.
4. Hacking Expensive Purchases
One person commented, “I’ve worked for a rich family and learned a couple hacks. Everyone else is correct. They just hire things out. If you’re genuinely curious, then I’ll share two things I learned in my job that are specific to the wealthy lifestyle. First, moths love real cashmere so you have to keep cedar in your closets to keep them away from eating your sweaters. Second, if you are flying private and only medium-wealthy not truly a fan of throwing money down the drain unnecessarily, it is actually more affordable to ship your luggage via UPS than pay for the additional fuel it will take to carry it in the plane with you.”
Another one shared, “I knew a lady who was, let’s just say she was in a different tax bracket. She and her late husband never took a road trip. They flew everywhere. He was a pilot, and they owned their own plane. They would fly somewhere, and if she ran out of clean clothes, she would just buy more. She’d ship her dirty clothes back home, and the maid would have everything dry-cleaned by the time the lady got back. I can’t imagine how many clothes this lady had. Or maybe she donated them on a regular basis?”
5. Networking
We’re familiar with networking, but it really is one of the life hacks that truly rich people are doing. They leverage the people they know who are also rich and powerful, and that’s what makes them too.
One person shared, “Networking. Powerful people have a large network of connections to get what they want. If you aren’t going out of your way to build ties with people who have things you want like wealth or power, the alternative is working very hard and hoping you get noticed—which doesn’t work most of the time because, unfortunately, the meritocracy is a lie. Learn to meet people and maintain professional connections, not just friendships. And no modesty, that’s a killer.”
The second person replied, “The best network—Politicians, Thieves, Police, Money Laundering—Mafia. Exist all around.”
6. Know What’s Worth Your Time
“When you are good at what you do to make money, you hire pros to do things that you need and get them properly done. That’s classic economics of the division of labor. You focus on what you do well and make more money. That’s the opposite of downward spiral. The concrete example is that I unblock my toilets and fix leaks. I also change my engine oil. Because it’s cheaper for me to do it. If my pay rate is higher than the pros, if course I’ll hire someone. That saves me money,” one person said.
“Sure… but I kind of hate how many people try to apply this to a typical salary worker. No one is gonna pay me to work overtime on a Saturday at my hourly rate (and I don’t want to), and it’s easier to work on a house project for a few hours than find a 2nd job. Many people point to your example, but they either don’t have time for projects cause they work 60 hours a week or prefer to use their disposable income and do something else with their free time. They are not financial wizards, they just make other choices based on circumstances, and that is fine,” argued another commenter.
Another user added, “Yeah, not every minute of my day is monetize-able. Someone once said Bill Gates is so rich that he loses money if he stops to pick up a penny in the street. No, he doesn’t. He didn’t cease to earn money for doing it. Rich people hire others to change their oil because it gives them back time for leisure.”
7. Buy Quality the First Time
One person said, “I was taught to always buy the best of anything I can the first time so I don’t waste my time, money, or efforts on junk. That bled over into everything. Relationships. Experiences. It becomes a mindset and lifestyle. I think that’s what you’re seeing when you look at that neighborhood.”
Another one replied, “This right here. If you want to buy a new piece of furniture, TV, car, etc… Buy nice things and buy quality. It’ll last for years and years. Also, pay cash. Don’t bother financing it. That’s just more wasted money.”
Another user quipped, “Buy once, cry once.”
8. Weigh your Options
“Not really a hack but spending dollars so they count. If there’s a gym that’s $50 a month but is 20 mins away and they’ll only go once a week, and there’s one 2 mins away that’s $200 but they’ll go every day, spend the extra money. The $50 option is a waste. This can be applied in many circumstances,” one person shared.
9. Elegant Appearance
One person shared their experience while working with truly rich people, “A few things I’ve noticed when working for wealthy people. They look rich even in casual clothes because they get everything tailored, even simple white shirts and jeans so they look expensive even when they aren’t.
“A lot of accessories like shoes, bags and jewelry are custom made which can be a better option if you’re going to spend a lot on designer brands anyway, and they will be unique. They don’t just go to the gym, they have a personal trainer who focuses on that toned without being too muscular look, so they look naturally hot without trying.
“Getting blow dry right before an event makes you look polished. I worked for a woman who never washed her own hair, and she always looked amazing. I saw people spend a lot of money on wardrobe staples like jackets and classics, but they would only buy high street seasonal pieces to keep them in style.
“They sell designer pieces to concession stores after wearing them a few times and basically get 50-80% of the cost back depending on the designer. Having lunch at a Michelin-star restaraunt can be slightly more affordable than dinner but you still get the experience. Having drinks at the restaurant bar so you can be ‘seen’ and mingle but don’t have to buy dinner. Going to clubs and events on weekdays means you are more likely to get in, get a table/ticket and it can be less expensive.”
10. Excellent “Talkers”
One person shared, “When I was doing my first startup I saw ‘new money’ people. In school I saw ‘old money’ people. There are all types of rich people and these types have their own ways. They do live in the same areas though. They recognize each other by their watch, type of clothes and behavior. And you can see if they are new rich, old rich, dem or rep by these things too. Their kids go to an endless amount of extracurricular activities. Here it is hockey and tennis, sometimes baseball. The parents do it so their kids build their network (I mean 5year olds).
“Rich people have some skills, but the main skill is talking. They are great at talking. It used to put me off. So and so became the director of yadayada. Why? The only thing he can do is talk. And that is precisely the point. They don’t get so stressed. They just talk for a living. Everything comes from their network. People like listening to their stories. But they cannot do anything of value other than talking. They hire people for that. Duh. Don’t be apologetic. Don’t do stuff worth 10$ an hour if you can make more. Do lots of self-care. And be a professional talker. Listen to people, look at their behavior and clothing, and copy that in your own way.”
Someone added, “I agree with this comment but will extend it further. You call it ‘just talking’ to anyone that will listen, but what they really are doing is ‘selling.’ They are selling their latest ideas, pitches, schemes, problems, solutions, whatever, etc. And their audience (other rich people) love to talk too, so the audience then adds on to those ideas, sometimes with money or introductions to other people with money. And it snowballs because of the network effect.”
11. Etiquette and Mannerisms
“You have a lot of time for personal maintenance and improvement if you don’t have to worry about cooking dinner or doing laundry. Some things, like good etiquette, are made very important from a very young age (hence the napkin folding, knowing what course to use which fork, how to properly address folks in a formal setting, etc) it’s a social code that helps identify who is and who isn’t,” one person stated.
Another one added in agreement, “Exactly. It’s very subtle and says a great deal.”
Source: Reddit.
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Kate Mazariegos has spent most of her life thrifting and antiquing. Using her talents to find unique pieces to work in clients’ spaces, Mazariegos is opening a brick-and-mortar location this weekend.
Located at 318 St. Elizabeth Street, Kate & Waverly Home will include second-hand items that Mazariegos has curated for those who might feel overwhelmed in a “typical” thrift store.
“When I walk into a typical thrift or second-hand store, I get excited. It is like a treasure trove of possibilities,” she said. “But several friends have let me know, over the years, that not everyone feels that way.
Using her design eye, Mazariegos will have products styled on shelves and furniture in a more minimal way so shoppers can see how it might look in their homes.
Her passion for thrifting began with her mother, who she said had an eye for spotting beautiful and unique items that could be used in the decor. Often these items were found in local thrift stores and at garage sales.
“I learned a lot during those years spent with her going from place to place and finding ‘treasures,’” Mazariegos said. “Even before I believed in it, people would tell me I should open up a place to sell antiques and other unique items that I find.”
Mazariegos has studied famous designers but is largely self-taught. She learned not only by accompanying her mother but also through her father, who is a carpenter.
“From birth, I was surrounded by major home remodel projects and helping my mom pick out wallpaper, paint colors, and tiles,” she said. “And I’ll admit, I poked fun at her constant rearranging of furniture and styling of shelves and end tables.”
She also helped her dad when he needed another hand.
“I loved it all, and I still do,” she said.
Mazariegos enjoys this community and wants to develop and move forward small businesses. She has created coworking spaces in the two back rooms of Kate & Waverly Home, where people who work from home or creative people who need space can work when needed – either collaboratively or alone to focus.
“I have several other ideas on how to utilize the space in a way that brings in and builds up a community that I am excited to implement in the next year,” she said.
Kate & Waveryly Home will have unique offerings in terms of style and format, even though she knows there are other thrift stores in the area.
“I also think of the world, as a whole, is in desperate need of more stores that spotlight second-hand items,” she said.
While the focus is on second-hand, antique, and vintage home decor, she also has racks of curated second-hand clothing and accessories. She has collaborated with Madison Jones of Blue House Fragrances and created a custom fragrance for the shop, which will be available as a candle and linen and room spray.
“The candle is made of a glass that can be recycled, reused as a drinking glass, or returned to the store and cleaned and used for another candle,” she said. “The lid is made of cork, which is compostable. And the linen spray bottles are also glass that can be recycled, or can be returned to the store and reused as well.”
Mazariegos is also working with local craftsmen and artists creating pieces she will share on social media.
Kate & Waverly Home opens Saturday. To honor the family dog they recently lost, 10% of sales on Saturday will go to The Humane Society where they adopted Maggie. Drawings and giveaways will also happen throughout the day.
Mazariegos is active on social media and tries to share information daily. The design business is @kateandwaverly and the storefront is @kateandwaverlyhome. The website is kateandwaverlyinteriors.com. Products in the store will not be available online, but Mazariegos said that could change.
Store hours will be 11 a.m. to 5 p.m. Thursday through Saturday, but appointments can also be made. She will be in her office at the store daily.
On a street corner near our house is a store called The Dig, which advertises “most clothes $3 – $4 – $5”. Many of these are items of the latest fashions, which have been rejected for whatever reason. Clean and organized, the store also has dressing rooms, something many thrift stores lack. I used to mock Kris for going to The Dig. It looked like a dive. Then I joined her for a trip a couple of weeks ago — now I’m a convert.
I buy most of my clothing at one of two places: Costco or the local thrift shops. It makes me wince to pay more than $20 for a piece of clothing. (Unless it’s something top quality, like a Filson jacket, in which case I’ll gladly pay $150.) Costco has styles I like, but the selection is limited, and the prices are three times those at thrift stores. Thrift stores have a huge selection, but the garments are often flawed. And to find anything good, you have to sort through tons of junk.
Used clothing stores like The Dig are a compromise. The prices are better than at Costco. The selection isn’t as wide as you might find at a thrift store, but the quality is generally better. Here are some tips about shopping for second-hand clothes. (Kris gave a lot of help with these.)
Set a budget. This is difficult at first — you don’t know how much things cost. But eventually you’ll be able to tell yourself, “I’m going spend $20 today”. It becomes a game to see how much you can buy for $20.
Discard your prejudices. Some people consider thrift stores and used clothing shops nasty dirty places. Some are. Most aren’t. Explore your neighborhood. Find a shop or two that you like, and you’ll be hooked. (My mother-in-law was nonplused when we shopped for used clothes on our San Francisco vacation, but even she became excited when she found a new pair of her favorite Birkenstocks — in her size! — for just $8.)
Go with a friend. It’s good to have a second opinion. Your friend may have an eye for what looks good on you — and vice versa.
Try things on. Sizes vary widely between manufacturers and even by eras. (Today’s clothes have looser fits.) But go in knowing your general size and measurements. Note that some places don’t have dressing rooms, so it’s smart to wear a modest thin layer in case you need to strip down in the aisle.
Examine each item thoroughly. It sucks to get home to find your new shirt has a hole in the pocket. Or that the slacks you thought were a steal actually have a broken zipper.
Check washing instructions. You don’t want to pay $3 for a silk blouse if you’ll never dry-clean it.
Use the tags as a guide to find quality brands you like, but don’t limit yourself. Sometimes a brand you’ve never heard of can yield a favorite piece of clothing.
Think layers. Maybe that shirt with a stain on the sleeve has a great collar for wearing under a sweater. For $3, you can afford to buy a single-purpose shirt.
Use thrift stores as a way to diversify your wardrobe. Buy colors and styles on which you normally wouldn’t spend much. Wear the new clothes a few times to see how you like them, and to gauge the reaction of others.
Used clothing stores are great for certain accessories. Why pay $30 for a new belt in a department store when you can get a better belt in your size for just $2? I like to shop at second-hand stores for hats. (Nice hats.)
Look for clothes new with tags. Sometimes unsold department store inventory finds its way to used clothing stores and thrift shops. You’ll generally pay more for these items, but not much.
If you won’t wear it, don’t buy it. You don’t save money buying a $3 shirt if it just sits in your closet for two years.
Wash clothes when you get them home.
Watch for sales. Used clothing stores (and thrift stores) run periodic specials. Our favorite local store just ran a half-off sale. The local thrift stores often have specials on certain items.
If you go to the same store often, ask when they rotate stock. Stores get new shipments regularly. Most also have extra stock in storage. If you become familiar with the owners, you might even ask them to keep an eye out for particular items.
If buying used clothes becomes a habit, institute a “one in-one out policy”. Every time you bring home something new, get rid of something old. (Give it away, take it to a thrift store, or save it for a garage sale.)
Have fun! Buying used clothing can save you money. It’s also a fun way to kill a Saturday afternoon. At $3 an item, you can afford to be adventurous sometimes.
Used clothes shopping isn’t just for women. Men can find some fantastic deals, too. I hate to shop for clothes in department stores, but I love the adventure of buying used clothes. Don’t dismiss the idea out of hand. Good second-hand stores aren’t smelly, dirty, or scary — they’re just great places to find bargain clothing.
Welcome to the ultimate guide on converting a carport to a garage. Whether you reside in the vibrant city of Nashville, TN, and dream of transforming your carport into a garage with a guest living area, or you just bought a house in the quaint and charming city of San Marcos, CA, where you envision creating a mini bar and recreational living space, this Redfin article provides a comprehensive list of all the major considerations you should to take into account before you begin your project.
Converting a carport into a functional and versatile space is not only a trending home feature that adds value to your home but also opens up a world of exciting possibilities. In this article, we’ll provide you with a comprehensive checklist to consider before starting on your carport conversion project, along with fresh and innovative ideas that will inspire and elevate your project to new heights.
Carport garage conversion checklist
1. Check your local building codes, HOA regulations, and permits
Before starting on a carport garage conversion, it’s crucial to familiarize yourself with the specific building codes and regulations in your area. Local building codes determine the minimum standards for construction, safety, and design, ensuring that the garage conversion meets essential requirements. Additionally, if your property falls under a Homeowners Association (HOA), their rules and guidelines may impose restrictions or design criteria for garage conversion.
Ensure compliance with both the local authorities and the HOA to avoid potential legal issues or costly alterations down the line. Furthermore, obtain all necessary permits before beginning your project as these documents ensure that the project is reviewed and approved by the appropriate authorities and that it adheres to safety and zoning standards.
2. Determine your budget and financing options
Creating a comprehensive budget is a crucial step before starting any carport garage conversion project. Carefully assess the scope of your project, including materials, labor, permits, and any additional features or amenities you plan to incorporate. Factor in unexpected expenses to allow for flexibility during the project. If your budget exceeds your available funds, explore financing options such as home equity loans, personal loans, or lines of credit. Make sure to choose a financing solution with favorable terms and interest rates that align with your financial capabilities.
3. Hire a professional for a structural assessment
Converting a carport into a garage involves altering the existing structure, and it’s vital to ensure its stable and durable. Engage a qualified and experienced professional, such as a structural engineer or contractor, to conduct a thorough assessment of the carport’s foundation, framework, and load-bearing capacity. They will identify any potential weaknesses or areas that require reinforcement to support the additional weight of walls, roofing, and other modifications. The structural assessment provides crucial insights that guide the design and construction phase, ensuring that your new garage is safe and built to last.
Relying on professional expertise during this stage minimizes the risk of structural issues and potential hazards in the future. Before commencing any home improvement project, make sure to ask contractors questions to ensure their qualifications, experience, and adherence to local regulations and building codes. This proactive approach will help you select the right professional for the job and provide peace of mind throughout the conversion process.
4. Plan the design and layout of your garage
Careful planning of the design and layout is essential for creating a functional and aesthetically pleasing garage. Consider the number of vehicles you want to accommodate, as well as any additional storage needs or utility areas, such as a workbench Think about the placement of windows and doors to ensure sufficient natural light and easy access. If you intend to use the garage for multiple purposes, create designated zones to optimize space. Sketch out your ideas and explore various design options to find the one that best suits your needs and complements the overall architecture of your home.
5. Select the appropriate building materials
Choosing the right building materials is vital for the structural integrity, durability, and appearance of your garage. Select materials that align with your design preferences and work best for your local climate. For example, if your area experiences harsh weather conditions, opt for materials that offer superior weather resistance. Consider the type of walls, like wood or concrete blocks, and the types of roofing materials, like asphalt shingles or metal that will suit your needs and budget. High-quality materials may require a higher upfront cost but can save you money in the long run by reducing maintenance and repair expenses.
6. Plan for ventilation and climate control
Proper ventilation and climate control are essential to maintain a comfortable and safe environment within the garage. Adequate ventilation prevents the buildup of moisture and fumes, which can lead to mold growth and unpleasant odors. Install vents or exhaust fans to promote airflow and improve air quality. Additionally, consider insulation to regulate temperature extremes, keeping the garage cooler in summer and warmer in winter. If you plan to use the garage for activities that generate heat, such as a workshop or home gym, consider incorporating heating and cooling systems to ensure a pleasant workspace year-round. Efficient ventilation and climate control contribute to the longevity of the garage and protect any valuable items stored inside.
7. Determine if you need utility connections
Evaluate whether your garage conversion requires utility connections such as electricity, water, or gas. If you plan to use the garage as a workshop, laundry room, or home office, electrical outlets are essential to power tools and appliances. If you need water for a utility sink or bathroom, ensure the plumbing connections are feasible. Consider the potential cost of extending utilities to the garage and consult with professionals to understand the best approach for connecting utilities safely and efficiently.
8. Explore your garage door options
Selecting the right garage door is crucial for convenience, security, and aesthetics. Assess various garage door types, such as overhead roll-up doors, sectional doors, or swing-out doors, each offering different benefits. Also, consider the material of the garage door, such as steel, wood, or aluminum, based on your preferences and budget. Automatic garage door openers with remote controls provide added convenience and security. Choose a garage door that complements the architectural style of your home and meets your functional requirements.
9. Plan for lighting
Proper lighting is essential for a functional and safe garage. Assess the lighting needs based on the garage’s intended use. Overhead lighting provides general illumination, while task lighting is necessary for work areas. Consider LED lighting for its energy efficiency and long lifespan. If you want to maximize natural light, strategically place windows or skylights to enhance brightness during the day. Motion-activated lights around the garage’s exterior can also serve as security measures, deterring potential intruders.
10. Consider security measures
Garages often store valuable items like vehicles, tools, and equipment, making security a top priority. Install sturdy locks on all doors, including entry doors and any connecting doors to the house. Consider an alarm system to protect against theft and unauthorized access. Security cameras provide surveillance, allowing you to monitor activities around the garage. Motion sensor lights outside the garage act as a deterrent and enhance visibility during nighttime. Additionally, if you have windows in the garage, consider adding window locks for added security. By incorporating these security measures, you can safeguard your belongings and ensure peace of mind.
Carport conversion garage ideas
A garage is more than just a space to store cars, it can be a versatile extension of your home. Once you have converted your carport into a functional area, it’s time to consider a garage makeover that will elevate its potential even further. Explore exciting ideas such as transforming your garage into a dedicated home gym, a productive home office, or a fun-filled playroom.
For DIY enthusiasts, a well-organized workshop area can become a dream come true. Alternatively, create a cozy pet area to ensure your furry companions have a safe and comfortable space. With these creative garage makeover ideas, your garage will become a dynamic and multi-functional space that enhances your lifestyle and adds value to your home.
Workshop space
Converting your home garage into a workshop area is a dream come true for DIY enthusiasts and hobbyists. Start by installing a sturdy workbench with ample storage for tools and materials. Organize your tools on peg boards or wall-mounted tool racks for easy access. Adequate lighting is crucial for precision work, so consider adding task lighting above the workbench and general overhead lighting for the entire space. Enhance functionality by incorporating built-in shelves and cabinets for storing supplies. Insulate the garage to regulate temperature and make it a comfortable workspace year-round. With a dedicated workshop in your garage, you’ll have the ideal environment to unleash your creativity and complete various projects with ease.
Playroom
Converting your garage into a versatile playroom creates a dedicated space for recreational activities and entertainment for all members of the household. Start by creating a blank canvas with neutral colors to suit various interests and age groups. Consider adding soft and comfortable flooring for activities like yoga, board games, or simply lounging around. Install ample storage solutions such as shelves, bins, or cabinets to keep toys, games, and recreational equipment organized and easily accessible. Incorporate versatile furniture like bean bags, floor cushions, and modular seating to accommodate different play activities.
Add a chalkboard or whiteboard wall for creative expression and interactive fun. Integrate a variety of entertainment options, such as a TV, gaming consoles, or a projector for movie nights and virtual adventures. By creating a multifunctional playroom in your garage, you’ll have a space where everyone can unwind, have fun, and spend quality time together.
Home office
Converting your garage into a home office allows you to create a productive workspace away from distractions inside the house. Start by insulating the garage to ensure a comfortable and quiet environment. Consider adding windows or skylights to bring in natural light and create a pleasant working atmosphere. Install a sturdy desk and ergonomic chair for comfortable hours of work. Organize the office with shelves, filing cabinets, and storage solutions for a clutter-free space. Set up a reliable internet connection to stay connected and productive. If necessary, add heating and cooling systems to maintain a comfortable temperature. Personalize your home office with artwork, plants, and decor to create a motivating and inspiring workspace that enhances your productivity and creativity.
Home gym
Transforming your garage into a home gym provides the ultimate convenience for fitness enthusiasts. Clear out clutter and install rubber or foam flooring to create a safe and comfortable workout area. Incorporate wall-mounted mirrors to check your form and enhance the sense of space. Install proper ventilation or fans to keep the air fresh during intense workouts. Organize your gym equipment with wall-mounted racks or freestanding storage systems. Consider adding a sound system to keep you motivated during exercise sessions. With a home gym in your converted garage, you can exercise at any time without the hassle of traveling to a commercial gym, ensuring a more consistent and effective fitness routine.
Pet play area
Transforming your garage into a pet play area provides a safe and comfortable space for your furry companions. Clear out the garage and create a cozy environment with pet-friendly flooring, such as rubber mats or pet-safe carpeting. Designate specific areas for your pets to rest, play, and eat, and consider adding built-in pet beds or kennels. Install proper ventilation to maintain a fresh and odor-free atmosphere. Set up storage for pet supplies and accessories, including food, toys, and grooming tools. Ensure the garage is secure with pet-friendly doors and windows, allowing your pets to enjoy the outdoors safely. By converting your garage into a pet area, you offer a dedicated space where your pets can feel at home and be well-cared for.
Home bar and entertainment area
Converting your garage into a stylish home bar and entertainment area provides an ideal space for hosting gatherings and unwinding with friends and family. Install a functional bar counter with seating, complete with a sink and storage for drinkware and beverages. Consider adding a mini-fridge, ice maker, and wine cooler for easy access to refreshments. Set up a media area with a large-screen TV, sound system, and comfortable seating for movie nights and sports events. Enhance the ambiance with mood lighting, such as pendant lights or LED strips. Add decorative elements like wall art, mirrors, and shelving to showcase your spirits collection and add character to the space. With a well-designed home bar and entertainment area, your garage will become the go-to spot for fun and relaxation.
Laundry room
Transforming your garage into a laundry room not only significantly enhances your home’s functionality but also provides the added benefit of maintaining a clean and organized garage space. Install a utility sink for handwashing and soaking clothes, and set up space for your washing machine and dryer. Add ample counter space for folding and organizing laundry. Integrate built-in cabinets or shelves for storage of laundry supplies, cleaning products, and household essentials. Consider a drying rack or designated hanging space to air-dry clothes. Ensure the garage is well-ventilated for humidity control and maintain a pleasant atmosphere while doing laundry. By transforming your garage into a laundry room, you can streamline your laundry routine and keep your living spaces tidy and clutter-free.
Art and music studio
Transforming your garage into a versatile music and art studio at home provides an inspiring and creative space for artistic expression and musical pursuits. Start by creating a well-lit environment with ample natural light and adjustable artificial lighting to cater to various art and music needs. Install soundproofing materials like acoustic panels or foam to minimize sound leakage and ensure optimal acoustics for musical instruments. Consider adding storage solutions like shelves, drawers, and cabinets to organize art supplies, paints, brushes, and musical equipment.
Set up designated areas for artwork creation, musical instrument practice, and recording projects. Personalize the studio with artwork, musical memorabilia, and decor that reflect your unique style and inspirations. With a dedicated art and music studio in your garage, you’ll have a sanctuary to explore your creative passions and immerse yourself fully in the world of art and music.
Guest room
Converting your garage into a cozy and welcoming guest room is a fantastic way to provide a welcoming space for visiting friends and family. Begin by decluttering and insulating the garage to create a comfortable environment. Install proper lighting and ventilation to ensure a pleasant stay for your guests. Consider adding a comfortable bed, storage solutions, and decor that make the guest room feel like a home away from home. Personalize the space with thoughtful touches to make your guests feel special and cared for during their stay.
However, before proceeding with the conversion, be sure to check with your local authorities about Accessory Dwelling Units (ADUs) regulations, as these may apply to the guest room conversion depending on your area’s zoning laws and building codes. Taking these factors into consideration will help you create a delightful and compliant guest room for your loved ones.
Depending on budget and location, you must select an apartment with less square footage than you dreamed. How small is too small? What about a 200-square-feet apartment?
Micro-apartments are becoming more popular as rents go back up in major urban spots like New York City. It might be all you need if you hate clutter and love a minimalist aesthetic. You can make it work as a single person or a couple.
But how big is 200 square feet, really?
How to calculate 200 square feet
When you’re touring the apartment complex, the leasing agent will let you know the square footage of every unit you see. But, what if the community isn’t as formal, you’re looking into a smaller complex or a garage apartment?
Knowing how to measure the square footage of your future home is incredibly helpful. Here’s how to do it.
You’ll need a pencil, paper, your phone’s calculator and a long tape measure (100-foot or more)
Start with the first room in the apartment. Look at the room’s shape — is it a rectangle, triangle, trapezoid or another shape? This will help record the dimensions of the room.
Use the tape measure and measure the width and length of the room in inches, rounding up to the nearest inch (or feet if your tape measure has it). You want whole numbers for this.
If you measured inches, divide each number by 12 to convert it to feet.
Use this square footage calculator to input the width and length of the room in feet. You’ll get the square footage of the room you’re in. Do this in every apartment room and add the square footage together at the end of all rooms.
Can you live in 200 square feet?
You’ve seen the headlines, “Can you believe this person lives in 200 square feet?” How big is 200 square feet, really? For example, a 400-square-feet apartment is about the size of a standard two-car garage. At the same time, a school bus equals a 300-square-feet apartment.
The best way to visualize 200 square feet is to think about a one-car garage with an average-sized car with little room on the sides. It will be a small studio that you’ll have to furnish strategically and keep low on clutter.
This studio floor plan from Nora Apartments in Seattle, WA, is an example of what an apartment close to 200 square feet looks like.
Source: Rent./Nora Apartments
Tips for living in 200 square feet
You don’t have to sacrifice your style or your sanity to live in 200 square feet.
Go monochrome
Paint can take you very far in a small space. A cool bright white from floor to ceiling and cohesive finishes will instantly make the space look bigger. Choose a neutral color palette that you’ll carry from your furniture to your linens and accessories to create a calm space.
Too much color can quickly overwhelm the senses in a 200-square-foot apartment. For example, keep your bedding crisp white with subtle stripes if you need a pattern. It will open up the space and make it look more together.
Have a place for everything
Having a place for everything means no clutter. Decide what you need to display and what doesn’t in each room and put it away.
If you need more small space storage, go vertical with shelves above the couch, the toilet or your desk. It will clear the floor and make the space look bigger. Get clever with your space usage. Use baskets or the inside of your oven for your pots when not in use.
Embrace dual-purpose furniture
Can a desk function as a work spot and your nightstand? How are you using your closet for clothes and homewares?
Have a big suitcase? Use it to store your blankets and bedsheets when not in use. Maximize your space by using the space under your sofa, bed and coffee table to store, display and organize any of your things.
Understand your layout
Understanding a small apartment’s main paths and overall layout will help determine the main spaces to decorate and prioritize. It’s not enjoyable to keep tripping over something because it’s not in the right place.
Identify the paths you take the most to the kitchen, bathroom and bed to mark them off-limits when buying furniture. This will quickly bring a little peace to the chaos and make your apartment look more put-together.
Clean windows
This seems small, but keeping your windows clean will bring more natural light into the space and make it seem brighter. Place a mirror nearby to reflect all that good light to other spots in your small apartment.
Only use thin, light-colored curtains to maximize the light for those windows.
Make your 200-square-foot apartment mighty
It all comes down to your lifestyle — 200 square feet is more than enough for someone with a minimalist personality that doesn’t need too much. Just because you are going minimal, it doesn’t mean you can’t make that apartment a home.
You can make this small apartment beyond cozy while being intentional about what you bring into it. Don’t get too stuck in the “how big is 200 square feet” and more in the potential for you.
A freelance writer based out of the Atlanta area, Alia has penned articles during her decade+ career for such sites as HowStuffWorks, TLC, Animal Planet, Zillow and many more. Her favorite things to write about include fitness, nutrition, travel, healthcare and general lifestyle topics. A graduate of the University of Georgia, Alia’s an avid Dawg, but she also loves reading, sewing, eating all things chocolate and playing sports with her husband, three boys and beloved border collie, Flash.
Reader robblat asked about rain barrels: Are they useful? How much do they cost? Where do you get one? My wife just installed a rain barrel last year, so I asked her to explain how they work.
For my birthday last year, I asked my parents for a rain barrel. After doing some research online, I went to our local nursery and paid $100 for a complete barrel set up. While it will mean a small savings on our future water bills, the upfront cost is really too high to justify it from a purely financial standpoint. Instead, I wanted to collect rainwater for several other reasons.
Collecting a Renewable Resource For Our Own Use
Rainwater belongs to everyone, right? But for the most part, we are dependent on a vast infrastructure to collect, purify and deliver this most basic of life’s requirements to our doors (er, faucets). I like the idea of harnessing a bit of that rain before it makes it through the whole human system. My plants don’t need chlorinated water, anyway! Plus, anecdotal evidence on gardening websites suggests that plants do better with lukewarm rainwater than cold tap water.
Minimal Money Savings
If you are serious about reducing your irrigation water use from the municipal water supply (and thus your bills), you can rig up a system of multiple rain barrels. One or more is attached to the house’s downspout; the rest of the barrels are linked to the first ones to collect their overflow when it’s really raining.
Get this: if you have 1,000 square feet of roof surface area, then one inch of rainfall will produce over 600 gallons of rainwater. How big is your roof? I have my rain barrel hooked up to our detached garage (an old carriage house), and its roof is about 300 square feet. If you cut that in half (I’m only getting the rain from half the roof) and do the math, my 60-gallon rain barrel will be filled by just two-thirds of an inch of rainfall. In Oregon, that’s easy! The overflow drains through a tube that I have draped under the boxwood hedge, or I could collect it in a secondary container.
Convenience
Our 3/5-acre lot has a grand total of one outside spigot, right by the house. Watering the far reaches of the gardens (vegetable, fruit, and flower) requires lugging hoses across the lawn and around trees. With the rain barrel at the garage, I can easily fill a watering can or bucket for the flower beds for some quick spot watering. While the gravity-fed flow of the rain barrel isn’t typically enough pressure to power a sprinkler, it would be enough for a short soaker hose. A rain barrel by the patio would be ideal for watering potted flowers and container plants near the house.
A Few More Considerations
Rain barrels come in many sizes and designs. Some are made to be pretty; others, not so much. Some are made from recycled or reused materials. A few have a flat side so they can sit flush against the wall, or have built-in storage for hoses and such. There’s plenty to choose from, but this is a bulky item, so avoid shipping costs and find a local store that stocks them. You may think a big plastic barrel isn’t your idea of garden décor, but what’s more fashionable than not wasting water?
You can certainly make your own if you are handy and have a source for a large food-grade barrel. It must be food grade so you aren’t having plastics leach into the water that you’re using to water your carrots. And be sure to have a screen to close it off. This will prevent mosquitoes from breeding in the barrel and keep leaves, mischievous animals, and small meteorites out.
Like any irrigation supply dependent on rainfall, sometimes you’ll have too much and sometimes not enough. July, August and September are pretty dry here (I kid you not), so my barrel did run dry last summer. But it doesn’t take much rain to fill it back up. I tend to do most of my flower garden-watering in the spring when I’ve just planted seeds and seedlings and they’re not fully established yet. The rain barrel is perfect for those dry, beautiful 75-degree days between our Spring rainstorms.
Watch the overflow location: you may need to extend the overflow hose to prevent drainage near your home’s foundation. Portland actually gives residents a one-time credit if the house gutters are disconnected from the storm sewer system. Rain barrels have been popping up like wild flowers in certain neighborhoods!
Today rain barrels — maybe in a decade or two, solar panels so we can go off the grid?
Amanda recently sent J.D. an e-mail looking for advice about gift-giving:
My husband and I have made huge lifestyle changes since our son was born with congenital heart disease four years ago. He’s had five open-heart-surgeries, and we’ve had some killer medical bills. My husband stays home with both of our kids to help prevent Liam from getting sick too often, so we’ve gone down to one income, one car, basic cable, and a really aggressive budget.
One of our worst budget breakers however is gifts. I have eleven nieces and nephews, two kids, etc. At Christmas we’ve convinced both sides to just do a name exchange and then we only have to buy for two nieces/nephews on either side, which helps and we’ve just outright stopped exchanging gifts with our brothers & sisters, but there are still our parents, his grandparents, kids of friends who have birthday parties, and graduations, weddings, and baby showers!
We actually do plan most of these things into discretionary spending since we know when people have birthdays, but it’s always those gotchas like weddings and new babies (and we didn’t pre-think graduations with this year’s planning).
Could you offer any advice on fitting generosity and gift giving into a frugal budget? No one wants to be a grinch, but it really adds up some months. Sometimes, it’s half of our discretionary spending just to get small gifts (we only spend $10-15/kid!).
Ah, Amanda, I hear you! Gifts can be a budgeter’s downfall! Many of us readily accept our own sacrifices in the name of being frugal, but don’t want to seem “cheap” when it comes to giving gifts to others. I’ve struggled with both sides of this issue.
One side of me likes choosing and giving gifts, likes having those gifts appreciated, likes receiving gifts in return. But the other side opposes the commercialism and expectations that accompany holidays and occasions. Too often, hastily-purchased gifts can seem like a substitute for the spare time and energy we don’t have to make a gift meaningful. These gifts can be merely an obligation, which is no fun for either giver or recipient.
For big family gift-oriented occasions like Christmas (Hanukkah, Kwanzaa, etc), you must have “The Talk”. In some families, money is a difficult subject, but your options are either to continue spending more than you want on presents, or to mystify everyone when you cut them off cold turkey. A good way to start is to explain your budget goals, as in, “We’re starting to save for the kids’ education funds,” “…to buy a house,” “to be able to afford to live on one salary,” “pay off the credit cards” or something like that — just make sure you’re being honest.
Whatever you do, don’t insist that everyone stop giving gifts to you (or your kids). You have the right to stop giving gifts, but for many people, being generous with presents is a true pleasure and you should avoid depriving them of that pleasure. It may seem wrong to accept without giving, but you can give back in other ways. Of course, your relatives and friends may be relieved at the prospect of the never-ending gift-exchange ending — maybe they were just too shy to bring it up.
If you don’t want to stop all gifts, here are some ideas to cut costs.
Draw names. As Amanda does, this can allow you to focus on one or two recipients instead of the whole clan. There are various arrangements. Some families write their name and a gift suggestion or two on a slip of paper. In some systems, adults pick an adult and each kid gives to a kid (with adult help as needed). Or, if everyone is gathering together, each person can bring one gift (marked as adult or child) and you can do a sort of “Yankee swap” exchange where unwrapped presents can be stolen or traded until everyone ends up with someone.
Be creative. On J.D.’s side of the family, we have been doing $5 gifts for several years. Everyone (7 adults, 4 kids) buys a $5 (or under) gift for everyone else. (This was my sister-in-law’s idea.) J.D.’s mother asked to be excepted — she loves piling gifts on everyone and exercises her grandmotherly rights to do so. The $5 limit has forced us to be bargain hunters and the results are often both surprising and hilarious. We found a practically new set of drafting pens for a brother’s gift: $80 new, marked as $10 at a garage sale but we bargained it down to five!
Emphasize the experience. Some people have more time than money. If you fit in that category, you can use it to your advantage for all sorts of occasions. Do friends have a new baby? Deliver dinner to the new parents, then stay to hold the baby while they eat the meal. Clean up afterwards, of course. Nieces and nephews? For that special occasion, invite them to join your family for camping, a hike, miniature golf — whatever your family does for fun. You’ll all get to know each other better, too. Parents and grandparents often would rather have you spend time than money on them, as well. Invite them over for brunch, or go feed the ducks at the park, or hear a free concert together.
Don’t turn your nose up at used. Aren’t we silly Americans! We talk about how great recycling is but we want everything we get to be new, new, new! It’s all about mindset. For kids’ toys, as long as they’re in safe condition, the fact that they’re “pre-owned” means little to a child — unless non-stop commercialism has already gotten to them! J.D. and I found two wooden sleds set out for the trash pickup in a ritzy neighborhood. After swallowing our hesitation, we grabbed them. With a cleaning and a few minor repairs, they were good to go — and looked great under the Christmas tree. Keep your eyes open all year for bargains, or arrange a toy exchange or toy hand-me-down system with friends and neighbors. Get to know people’s tastes and decorating styles so you can choose gifts they will appreciate.
Kids love the dollar store. I know, I know — everything’s made in foreign countries by underpaid workers. But seriously, if you are spending more than $3 for a kid’s birthday party gift, you need to visit a dollar store. The kids I know are fascinated by dollar store stuff until age 6 or 7. The parents may turn up their noses, but what kid wouldn’t love growing giant lizards or sharks (600% growth — just soak ’em in water!), red-white-and-blue glow necklaces, or a hundred fuzzy animal stickers?
Agree that gifts are only for the kids. Not having kids myself, I wouldn’t vote for this option, but I know many families like it. I think a better choice if you’re going to do this is to have adults buy small gifts for the kids ($5-10), and let kids make homemade gifts for the adults. I think this gets kids to think about giving as well as receiving.
Use homemade gifts. I’m a big fan for using the homemade gift for most every occasion. Special birthdays get a bouquet of garden flowers in a mason jar. Or, I take the time to write a sincere note in a beautiful card. If someone’s a fan of sweets, I’ll whip up a batch of cookies. If the season’s right, I might present them with fresh berries or a holly and cedar swag. The cost for all these gifts is minimal, but the gesture is still meaningful.
Mass produce. Last year, English Major offered a great tip about gift-giving ideas. You can save lots of dough by the assembly line approach. Pick a gift that will be appropriate for your list of recipients and buy craft items, ingredients, or components in bulk. Before you start, figure out how many gifts you’ll need and the cost per assembled gift. Check the figures against your budget. To maximize this idea, choose an idea that still allows for some personalization, say in the color or style of gift.
Just speak up. At my workplace, the envelope is constantly being passed for one event or another. The loss of a parent, a new baby, a retirement, etc. The flowers or gifts purchased with the collected cash may very well be much appreciated. But if your budget prevents you from chipping in, instead write a heartfelt note or tell the person face-to-face. A verbal expression of sympathy or support may be just what they need.
Shrug it off. Unfortunately, some people are all about the goods. If the people in your life aren’t going to appreciate or adjust to your frugal mindset, you have a choice to make. Keep spending to keep up with the Joneses, or go your own way and hold your head high. Find ways to show you care that don’t just involve handing over your debit card. Give when you can; give what you want to.
The side benefit of implementing any of these ideas is that it moves the whole concept of giving gifts back to thoughtfulness, effort, and individual creativity, rather than the focus on prices and packaging. Think of it as one small chink in the great wall of marketing and consumerism!
These are just some thoughts on the topic to get the discussion rolling. I’m sure there are scores of creative solutions out there.
This is a guest-post from Tim Ellis, author of Seattle Bubble, a blog and forum dedicated to discussing real estate market conditions in the Seattle area.
“If you rent, you’re throwing away your money.” “Owning your own home is a forced savings plan.” “Home ownership is an excellent path to build wealth.”
You’ve probably heard statements like these plenty of times. On television, radio, the internet, and in casual conversation. Such sentiments are common in any discussion that involves home-buying and personal finances. It’s common knowledge that buying a home is a better financial move than renting. After all, you’re building equity instead of throwing away your money, right? Well, maybe not quite… Rather than assuming the “common knowledge” on this subject is accurate, let’s take a look for ourselves at some of the financial differences between renting and home-buying.
A Real-World Example
For the purpose of comparing renting to owning in this article, I’ll be using real-world data gathered from my area (northeast of Seattle). Although most first-time buyers tend to move from renting an apartment to buying a larger, stand-alone house, as much as I can I will compare apples to apples.
For rent, I located a 3-bed, 2.5-bath, 1,840 sqft house with an attached 2-car garage, on 0.2 acres. Monthly price: $1,495.
For purchase I found a 3-bed, 2.5-bath, 1,850 sqft house with an attached 2-car garage, on 0.22 acres. Price: $424,950.
The two homes are located within two miles of each other in similar neighborhoods, and neither is located on a busy road. We’ll assume that our hypothetical homebuyer is a married couple with $85,000 in the bank to make a 20% down payment. To calculate mortgage payments we will use a recent 30-year fixed interest rate of 6.25%.
Let’s look at how the monthly costs break down (approximately) for our hypothetical potential first-time homebuyer:
Renting
Buying
Rent/Mortgage:
$1,495
$2,093
Insurance:
$20
$163
Property Tax:
–
$407
Tax Savings*:
–
($327)
Maintenance:
–
$354
Total:
$1,515
$2,690
*: (less standard deduction)
Right off the bat, you see that simply trading straight across from renting to owning results in a 78% more expensive monthly bill. That’s not exactly chump change. With even a slight upgrade from renting to buying (which most first-time buyers are prone to do), you can easily see how the total monthly costs would be more than double.
“If You Rent, You’re Throwing Away Your Money.”
Common knowledge says that despite today’s large premium, buying a home is a “good investment”. Hey, at least you’re not “throwing away” your money, right? True, the renter in our scenario spends $1,515 every month that they will never see again. I wouldn’t exactly say it has been “thrown away” any more than money spent on any other good or service is “thrown away,” but granted, there is zero financial return on that money.
However, when you take a look at the breakdown of the homebuyer’s monthly expenses, a large amount is money that will never return, either. Insurance, property tax (less tax savings), and maintenance, add up to $517 every month that is being “thrown away.” Even worse is the amount spent on mortgage interest. Consider how much of a mortgage payment is applied toward loan interest throughout the life of a 30-year fixed loan:
Years
% toward interest
0-5
~80%
6-10
~70%
11-15
~60%
16-20
~50%
21-25
~35%
26-30
~10%
In the first five years, approximately 80% of the mortgage payment goes toward interest. That’s an additional $1,674, for a total of $2,191 being “thrown away” every single month by the homebuyer for the first five years. Ouch! In fact, not until the homebuyer has been paying down the mortgage for over 20 years will the amount they are “throwing away” be less than the renter.
“Owning Your Own Home is a Forced Savings Plan.”
As you can see above, if home buying is like a savings plan, it’s probably the worst savings plan on Earth. Would you voluntarily sign up for a savings plan where well over half of the money you deposit in the first 20 years simply vanishes, and from which you can only withdraw money by relocating and paying a 6-9% fee (not on the amount you have “saved” mind you, but on the total sale price of the home)? Of course not. That doesn’t sound anything like a savings plan.
If our potential homebuyer has that $85,000 saved up for a down payment and deposits it along with just half of the monthly savings over buying ($578 per month) into an account at 8% interest, the balance will be nearly $300,000 in just 10 years. That’s a liquid investment, that can be used for whatever you want, no relocation required. Buying a home is not a savings plan. Actually saving money every month is a savings plan.
“Home Ownership is an Excellent Path to Build Wealth.”
If your goal is to build wealth, you will be much better off investing your money in the stock market than buying a home. While both stocks and housing are cyclical markets, long-term historic trends show that housing appreciates at a rate barely above inflation, while stocks tend to return an inflation-adjusted 7-10%. In our hypothetical scenario, a renter who invested in the stock market with the $85,000 down payment plus the monthly difference between the $1,515 rent and the $2,690 home-buying costs would be over $500,000 better off after 30 years than the homebuyer, assuming 4% average appreciation.
An important thing to consider is that home prices in the United States are just now beginning to correct from an enormous unprecedented run-up in recent years. Despite what those in the business of selling real estate may insist, the correction in housing is still in the early stages. Four percent is most likely overly optimistic for most areas in the next 5-10 years. The only thing we know for sure is that double-digit gains are gone and won’t be coming back any time soon.
Also keep in mind — I mentioned it above but it bears repeating — in order to cash in on any “wealth” you build through your home you will need to sell that home and move. No, “extracting equity” does not count, since that simply results in a larger debt. Debt is not equal to Wealth.
Conclusion
For most people buying a home will result in their largest monthly bill (by far), and because they believe that it will bring them wealth or that they are “throwing away their money” if they rent, they often take on a much larger home debt than a prudent budget would allow. It is a real shame when people are driven to get into the housing market because of misplaced notions of imagined financial benefits. Of course, everyone’s circumstances are different, and for some (particularly those that live away from the coasts) the numbers may actually work out in favor of buying.
Don’t misunderstand me here. I am not saying that no one should buy a home, or that my example scenario is a golden standard of truth for all. Don’t take my word for it. Run the numbers for yourself, check out other articles (a small collection is listed below), and do what works for you. I highly recommend the great graphical calculator from The New York Times for comparing the financial aspects of renting and buying. Many people will consider all of the consequences — financial, emotional, etc. — and conclude that buying a home is the best decision. Just don’t trick yourself into thinking it’s a good financial decision if it’s not.
I myself intend to buy a house some day. However when that day comes, I will be buying a house because I want a nice, “permanent” place to live where I’m the boss, not because I think it will help me get me rich.
Additional Resources
Wall Street Journal: Your Home Isn’t the Nest Egg That You May Think It Is New York Times: A Word of Advice During a Housing Slump: Rent New York Times: Is it better to buy or rent? (graphical calculator) The Motley Fool: The Worst Investment Ever SmartMoney.com: Renting Makes More Financial Sense Than Homeownership CNN Money: Stocks vs. Real Estate Priced Out Forever: Renting vs. Purchasing