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Summer Cartwright is senior editor for Best Products and FirstFinds and is based in New York. She has written and edited for sites including Cosmo, People, InStyle, Food & Wine, Real Simple, and StyleCaster. Her interests outside of work include running, eating dessert, and playing with her two cats, Peaky and Polly. She received her master’s degree in magazine writing from New York University, and her bachelor’s degree in public affairs journalism from The Ohio State University.
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Source: bestproducts.com
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Why use an FHA loan?
FHA loans have been making homeownership more accessible for decades. Tailored to borrowers with lower credit, the FHA makes it possible to buy a house with a credit score of just 580 and only 3.5% down.
But home buyers aren’t the only ones who can benefit. For current homeowners, an FHA refinance may let you access low rates and home equity, even without great credit.
Not sure whether you’ll qualify for a mortgage? Check out the FHA program. You might be surprised.
Verify your FHA loan eligibility. Start here
In this article (Skip to…)
>Related: How to buy a house with $0 down: First-time home buyer
What is an FHA loan?
An FHA loan is a mortgage insured by the Federal Housing Administration (FHA).
FHA insurance protects mortgage lenders, allowing them to offer loans with low interest rates, easier credit requirements, and low down payments (starting at just 3.5%).
Thanks to their flexibility and low rates, FHA loans are especially popular with first-time home buyers, home shoppers with low or moderate incomes, and/or lower-credit home buyers.
But FHA financing isn’t limited to a certain type of buyer — anyone can apply.
Verify your FHA loan eligibility. Start here
How does an FHA loan work?
The first thing to know about FHA mortgages is that the Federal Housing Administration doesn’t actually lend you the money. You get an FHA mortgage loan from an FHA-approved bank or lender, just like you would any other type of home mortgage loan.
The FHA’s role is to insure these mortgages, offering lenders protection in case borrowers can’t pay their loans back. In turn, this lets mortgage lenders offer FHA loans with lower interest rates and looser standards for qualifying.
The one catch — if you want to call it that — is that you pay for the FHA insurance that protects your mortgage lender. This is called “mortgage insurance premium” or MIP for the life of the loan or until the FHA home loan is refinanced into another type of mortgage. We go over this in detail below.
Types of FHA loans
FHA loans offer various options to meet different home buying needs. These government-backed loans are designed to make homeownership more accessible, especially for those with less-than-perfect credit scores or limited savings.
Each type of FHA loan is tailored to different financial situations and home buying needs. Here’s what you can expect.
Compare FHA loan quotes from multiple lenders. Start here
FHA mortgage loan
An FHA mortgage is ideal for first-time home buyers, requiring a minimum credit score of 580 for a 3.5% down payment. Those with credit scores between 500 and 579 can still qualify for a 10% down payment. These loans are popular due to their lenient credit score requirements and low-down payment options.
FHA rate-and-term refinance
An FHA refinance loan is suited for borrowers looking to improve their loan terms or lower interest rates, especially if their credit scores have improved since obtaining their original mortgage. It offers a way to adjust loan terms to better fit current financial situations.
FHA Streamline Refinance
For current FHA loan holders, the FHA Streamline Refinance provides an efficient way to refinance with minimal documentation and underwriting. It often results in lower interest rates and can potentially reduce mortgage insurance premiums. This option is advantageous for those who want to refinance without a complicated process.
FHA cash-out refinance
An FHA cash-out refinance allows homeowners to tap into their home equity, converting it into cash. It requires a minimum credit score of 620, and borrowers must leave at least 15% equity in their home after the refinance. It’s suitable for those needing extra funds for expenses or investments.
FHA Home Equity Conversion Mortgage (HECM)
HECM is a reverse mortgage for homeowners aged 62 and older, allowing the conversion of home equity into cash. It provides financial flexibility for seniors by enabling access to their home equity without selling the home.
FHA 203(k) loan
The FHA 203(k) loan is designed for home purchases requiring renovations. It combines the cost of the home and renovation expenses into one loan. Borrowers must meet specific credit score requirements and ensure that renovations are completed within six months.
FHA Energy Efficient Mortgage
This loan type allows borrowers to include energy-efficient upgrades in their FHA loan. It’s aimed at reducing utility costs and increasing the home’s environmental friendliness, thereby potentially increasing its value.
Section 245(a) loan
The Section 245(a) program is for borrowers expecting an increase in their income. It offers a graduated payment schedule that starts low and increases over time, aligning with anticipated income growth. This loan is particularly beneficial for young professionals expecting career advancement.
Check your FHA loan eligibility. Start here
FHA loan requirements
Homeownership can be a liberating experience, especially for first-time buyers. With their flexible guidelines and government backing, FHA home loans provide a welcoming path.
Understanding FHA loan requirements can make the process much easier, opening the door to a future in your ideal home.
Check your FHA loan eligibility. Start here
To be eligible for an FHA loan, applicants must adhere to specific guidelines:
- The property must undergo a home appraisal by an FHA-approved appraiser.
- The property must serve as the applicant’s primary residence; investment properties and second homes are not eligible.
- Occupancy of the property is required within two months following the closing.
- A mandatory inspection is conducted to ensure the property meets FHA’s basic standards.
There are a few more specific conditions to qualify, such as a down payment amount, mortgage insurance, credit score, loan limits, and income requirements.
FHA loan down payment requirements
FHA loans require a minimum down payment, which varies based on credit score. For credit scores of 580 and above, a minimum down payment of 3.5% is required. Borrowers with credit scores between 500 and 579 must make a 10% down payment.
FHA mortgage insurance premiums
FHA mortgage insurance premium (MIP) is what makes the FHA program possible. Without the MIP, FHA-approved lenders would have little reason to make FHA-insured loans.
There are two kinds of MIP required for an FHA loan. One is paid as a lump sum when you close the loan, and the other is an annual premium, which becomes less expensive each year as you pay off the loan balance:
- Upfront Mortgage Insurance Premium (UFMIP) = 1.75% of the loan amount for current FHA loans and refinances
- Annual Mortgage Insurance Premium (MIP) = 0.85% of the loan amount for most FHA loans and refinances
MIP is split into monthly payments that are included in your mortgage payment. You’ll have to pay FHA insurance for the life of the loan or if you refinance into another type of mortgage loan.
The good news is that, as a homeowner or home buyer, your FHA loan’s MIP rates have dropped. Today’s FHA MIP costs are now as much as 50 basis points (0.50%) lower per year than they were in previous years.
Also, you have ways to reduce what you’ll owe in FHA MIP.
Depending on your down payment and loan term, you can reduce the length of your mortgage insurance to 11 years instead of the entire loan.
Loan term | Original down payment | MIP duration |
20, 25, 30 years | Less than 10% | Life of loan |
20, 25, 30 years | More than 10% | 11 years |
15 years or less | Less than 10% | Life of loan |
15 years or less | More than 10% | 11 years |
Or, you could refinance out of FHA MIP at a later date.
With FHA interest rates as competitive as they are today, refinancing could reduce your monthly mortgage payments and cancel your mortgage insurance premium if you have enough equity in the home.
Check your FHA loan rates. Start here
FHA loan credit score minimums
The minimum credit score requirement for an FHA loan is 500. However, a score of 580 or higher allows for a lower down payment. Credit scores directly impact loan terms and down payment amounts.
Debt-to-income ratio
FHA loans consider the borrower’s debt-to-income (DTI) ratio, a measure of monthly debt payments against monthly income. The FHA prefers a DTI ratio of no more than 43%, though exceptions can be made for higher ratios with compensating factors.
Income and employment requirements
There is no specific income threshold for FHA loans, but borrowers must demonstrate steady employment history. Verification includes pay stubs, W-2s, tax returns, and bank statements.
FHA loan limits
Loan limits for FHA loans vary by county. However, starting January 1, 2024, the new FHA loan limit will be $498,257 for a single-family home in most parts of the country. Limits increase for 2-, 3-, and 4-unit properties.
FHA loan rates
Interest rates for FHA loans are competitive and can vary based on factors such as prevailing market rates, borrower’s credit score, income, loan amount, down payment, and DTI ratio. Government backing often enables lenders to offer lower rates compared to conventional mortgages.
Compare your FHA loan rates from multiple lenders. Start here
Today’s rates for a 30-year, fixed-rate FHA loan start at % (% APR), according to The Mortgage Reports’ daily rate survey.
Thanks to their government backing, FHA loan rates are competitive even for lower-credit borrowers. But interest rates can vary a lot from one lender to the next, so be sure to shop around for your best offer.
FHA loan benefits
Check your FHA loan eligibility. Start here
1. Lower down payment: Just 3.5 %
For today’s home buyers, there are only a few mortgage options that allow for down payments of 5% or less. The FHA loan is one of them.
With an FHA mortgage, you can make a down payment as small as 3.5% of the home’s purchase price. This helps home buyers who don’t have a lot of money saved up for a down payment along with home buyers who would rather save money for moving costs, emergency funds, or other needs.
2. FHA allows 100% gift funds for the down payment and closing costs
The FHA is generous with respect to using gifts for a down payment. Very few loan programs will allow your entire down payment for a home to come from a gift. The FHA will.
Via the FHA, your entire 3.5% down payment can be a gift from parents or another family member, an employer, an approved charitable group, or a government homebuyer program.
If you’re using a down payment gift, though, you’ll need to follow the process for gifting and receiving funds.
3. FHA loans allow higher debt-to-income ratios
FHA loans also allow higher debt-to-income ratios.
Your debt-to-income ratio, or DTI, is calculated by comparing two things: your debt payments and your before-tax income.
For instance, if you earn $5,000 a month and your debt payment total is $2,000, your DTI is 40%.
Officially, FHA maximum DTIs are as follows.
- 31% of gross income for housing costs
- 43% of gross income for housing costs plus other monthly obligations like credit cards, student loans, auto loans, etc.
However, a 43% DTI is actually on the low end for most FHA borrowers. And FHA will allow DTI ratios as high as 50%. Although to get approved at such a high ratio, you’ll likely need one or more compensating factors — for instance, a great credit score, significant cash savings, or a down payment exceeding the minimum.
In any case, FHA is more lenient in this area than other mortgage loan options.
Most conventional mortgage programs — those offered by Fannie Mae and Freddie Mac — only allow debt-to-income ratios between 36% and 43%.
With down payments of less than 25%, for example, Fannie Mae lets you go to 43% DTI for FICOs of 700 or higher. But most people don’t get conventional loans with debt ratios that high.
4. FHA loans accept lower credit scores
Officially, the minimum credit scores required for FHA mortgage loans are:
- 580 or higher with a 3.5% down payment
- 500-579 with a 10% down payment
High credit scores are great if you have them. But past credit history mistakes take a while to repair.
FHA loans can help you get into a home without waiting a year or more for your good credit to reach the “excellent” level. Other loan programs are not so forgiving when it comes to your credit rating.
Fannie Mae and Freddie Mac (the agencies that set rules for conventional loans) say they accept FICOs as low as 620. But in reality, some lenders impose higher minimum credit scores.
5. FHA even permits applicants with no credit scores
What if an applicant has never had a credit account? Their credit report is, essentially, blank.
FHA borrowers with no credit scores may also qualify for a mortgage. In fact, the U.S. Department of Housing and Urban Development (HUD) prohibits FHA lenders from denying an application based solely on a borrower’s lack of credit history.
The FHA allows borrowers to build non-traditional credit as an alternative to a standard credit history. This can be a huge advantage to someone who’s never had credit scores due to a lack of borrowing or credit card usage in the past.
Borrowers can use payment histories on items such as utility bills, cell phone bills, car insurance bills, and apartment rent to build non-traditional credit.
“Not all lenders who are FHA approved offer these types of loans, so check with your loan officer individually,” cautions Meyer.
6. FHA loans can be up to $ in most of the U.S.
Most mortgage programs limit their loan sizes, and many of these limits are tied to local housing prices.
FHA mortgage limits are set by county or MSA (Metropolitan Statistical Area), and range from $ to $ for single-family homes in most parts of the country.
Limits are higher in Alaska, Hawaii, the U.S. Virgin Islands, and Guam, and also for duplexes, triplexes, and four-plexes.
7. FHA also allows extended loan sizes
As another FHA benefit, FHA loan limits can be extended where home prices are more expensive. This lets buyers finance their home using FHA even though home prices have skyrocketed in certain high-cost areas.
In Orange County, California, for example, or New York City, the FHA will insure up to $ for a mortgage on a single-family home.
For 2-unit, 3-unit and 4-unit homes, FHA loan limits are even higher — ranging up to $.
If your area’s FHA’s loan limits are too low for the property you’re buying, you’ll likely need a conventional or jumbo loan.
8. If you have an FHA loan, you can lower your rate with an FHA Streamline Refinance
Another advantage for FHA-backed homeowners is access to the FHA Streamline Refinance.
The FHA Streamline Refinance is an exclusive FHA program that offers homeowners one of the simplest, quickest, and most affordable paths to refinancing.
An FHA Streamline Refinance requires no credit score checks, no income verifications, and home appraisals are waived completely.
In addition, via the FHA Streamline Refinance, homeowners with a mortgage pre-dating June 2009 get access to reduced FHA mortgage insurance rates.
Verify your FHA loan eligibility. Start here
FHA loan disadvantages
What is the downside to an FHA loan? Among the numerous benefits of FHA loans, there are certain disadvantages that potential borrowers should be aware of. These drawbacks can impact the overall cost and flexibility of the loan.
Here are the downsides that you should know about FHA home loans.
FHA loan mortgage insurance premiums
One of the primary drawbacks of FHA loans is the mandatory mortgage insurance premiums. These include an upfront premium at closing, generally 1.75% of the loan amount, and ongoing monthly payments. This additional cost can make FHA loans more expensive over the long term
Loan limits
One notable limitation of FHA loans is the lower loan limits compared to conventional loans, which can be restrictive for higher-income buyers. The FHA mortgage limit for a one-unit property ranges from $ to $ for single-family homes in most parts of the country, which may not be sufficient in areas with higher property values.
Strict property requirements
FHA loans come with stringent property requirements. The purchased home must be the borrower’s primary residence and must meet specific safety and condition standards. This requirement can limit the types of properties that qualify for an FHA loan.
FHA loan alternatives
Alternative loans, like USDA and VA loans, offer distinct advantages, such as no down payment requirements, but come with specific eligibility criteria. Understanding these alternatives ensures you make a well-informed decision about the type of mortgage that’s right for you.
Conventional 97
The Conventional 97 program comes with a down payment requirement of just 3%. It stands out due to the absence of income limits and mandatory home buyer education, making it accessible to a broader range of homebuyers.
Check your conventional loan eligibility. Start here
HomeReady Mortgage by Fannie Mae
The HomeReady mortgage program is designed for low- to moderate-income families, allowing a home purchase with only a 3% down payment. Furthermore, this program permits the entire downpayment and closing costs to be covered by gifts or grants, offering significant financial flexibility.
Freddie Mac Home Possible
The Home Possible loan is notable for its reduced mortgage insurance costs compared to other similar programs. With a 3% down payment requirement and lower ongoing costs, Home Possible is an attractive alternative for those looking to save on mortgage insurance.
USDA loans
USDA loans, backed by the U.S. Department of Agriculture, are an attractive alternative, especially for moderate-income buyers in rural areas. They don’t require a down payment, which is a significant advantage. However, eligibility for USDA loans is restricted based on income and geographical limits, and not every property qualifies for this type of financing.
VA loans
VA loans are another viable alternative, particularly for U.S. military service members, veterans, and certain surviving spouses. Like USDA loans, VA loans also require no down payment. However, eligibility for VA loans is exclusive to the military community, limiting their accessibility to the general public.
FAQ: FHA loans
Yes, FHA loans offer both fixed-rate and adjustable-rate (ARM) options. A fixed-rate FHA loan provides a consistent interest rate and monthly payment for the life of the loan, ideal for those who prefer stability. An adjustable-rate FHA loan, on the other hand, has an interest rate that can change over time, typically offering lower initial rates.
FHA loans often have lower interest rates compared to many conventional loan options. This is largely due to the government backing of FHA loans, which reduces the risk for lenders. As a result, lenders are generally able to offer more competitive mortgage rates to borrowers. However, the actual interest rate you’ll receive on an FHA loan can vary based on several factors, including your credit score, loan amount, and the current market conditions. It’s always a good idea to compare rates from multiple lenders to ensure you’re getting the best deal possible for your situation.
Yes. A little-known FHA benefit is that the agency will allow a home buyer to assume the existing FHA mortgage on a home being purchased. The buyer must still qualify for the mortgage with its existing terms but, in a rising mortgage rate environment, it can be attractive to assume a home seller’s loan. Five years from now, for example, a buyer of an FHA-insured home could inherit a seller’s sub-3 percent mortgage rate. This can make it easier to sell the home in the future.
While you can’t buy a true rental property with an FHA loan, you can buy a multi-unit property — a duplex, triplex, or fourplex — live in one of the units, and rent out the others. The rent from the other units can partially, or even fully, offset your mortgage payment.
Closing costs are about the same for FHA and conventional loans with a couple of exceptions. First, the appraiser’s fee for an FHA loan tends to be about $50 higher. Also, if you choose to pay your upfront MIP in cash (instead of including this 1.75% fee in your loan amount), this one-time fee will be added to your closing costs. Additionally, the fee can be rolled into your loan amount.
Most borrowers will need a minimum credit score of 580 to get an FHA loan. However, home buyers who can put at least 10% down are eligible to qualify with a 500 score. Yet, each lender may have their own credit score minimums, separate to those established by the Federal Housing Administration.
The loan-to-value (LTV) ratio for FHA loans typically cannot exceed 96.5%, meaning you can borrow up to 96.5% of your home’s value. This high LTV ratio is part of what makes FHA loans accessible, especially for first-time homebuyers who might not have substantial savings for a down payment.
For FHA loans, the equivalent of private mortgage insurance (PMI) is the mortgage insurance premium (MIP). MIP is required for all FHA loans, regardless of the down payment or loan-to-value ratio. This insurance protects lenders from losses in case of borrower defaults and is included in both upfront and ongoing mortgage costs.
If you default on an FHA loan, the lender can initiate foreclosure proceedings. The FHA loan program, backed by the Federal Housing Administration, is designed to minimize the risk of defaults by offering more lenient qualification criteria. However, consistent failure to make mortgage payments may lead to foreclosure, impacting your credit score and homeownership status.
Today’s FHA loan rates
Now is an opportune time to consider an FHA loan, with current mortgage rates being historically competitive.
FHA loan interest rates are typically among the most competitive. To capitalize on these favorable rates, start by comparing offers from FHA-approved lenders.
Finding the most affordable loan could be just a few clicks away. Begin your journey towards homeownership today by exploring your options and discovering the best rates available for your financial situation.
Time to make a move? Let us find the right mortgage for you
Source: themortgagereports.com
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Inside: Looking for the perfect graduation gift? Check out our selection of clever ways to give money. These graduation money gift ideas are fun ways to celebrate.
Graduations signify transitions from one chapter of life to a new groundbreaking journey. This major milestone should be marked with a special gift.
In various cultures, gifting money presents the ultimate creativity, coupled with practicality. It expresses your wishes for the graduate’s prosperity and financial independence.
We have the best graduation money gift ideas just for you.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Why choose money gifts for graduates?
Graduates are on the brink of venturing into new territories, whether it’s furthering education, taking a gap year, investing in big-ticket items, or moving to kickstart a career. These steps often come along with substantial financial burdens.
A money gift, therefore, becomes a thoughtful and practical gesture.
A survey by the National Retail Federation recorded cash to be the most popular graduation gift, given by 55 percent of participants. In addition, 43% give greeting cards (often with cash inside), followed by gift cards at 32%, apparel at 14%, and electronics at 10%. 1
Hence, money gifts are not just loved by grads but also cherished by friends and family, making them a comprehensive gifting solution.
Fun and Creative Money Gifts for Graduates
Money Lei
Creating a money lei as a gift for a graduate is a fun and creative way to give cash. To make the lei, start by folding one-dollar bills in a fan shape, then thread them onto a necklace made of string or yarn.
You can add ribbons, faux flowers, or even banknotes of higher denominations to make it even more special. Learn how to make a money lei from this mom.
Money Chain
A fun and inventive way to present cash as a graduation gift is to create a paper chain out of dollar bills. This concept not only represents an inventive method to gift money, but it also adds a decorative touch to the graduate’s celebration.
You can assemble the chain using dollar bills and a stapler, turning it into a creative money necklace. To make it even more special, include a rosette made out of a larger denomination bill like $20 or $50 with the inscription “Congratulations Grad!”
Get detailed instructions on making a money chain.
DIY Graduation Money Cake
Graduations warrant celebration with a cake. How about centering the stage with a splendid DIY graduation money cake? It’s not just a delicious mouthful but also a delightful sight!
This visually humorous and surprisingly straightforward project involves rolling your dollar bills in a circular shape to resemble cake layers. Topped with a mini graduation hat and a congratulatory note, it’s sure to bring smiles for its sheer creativity and attractive bounty.
Better than a diaper cake, and perhaps more loved than a real cake, a money cake makes a clever centerpiece and a graduation gift. Use our inventive DIY money cake ideas to draw inspiration from to build a money masterpiece. Add a personal touch by incorporating your graduate’s favorite colors, stickers, or little decorative items that reflect their personality or interests.
Secret Brain Teaser Puzzle Box Magic Money Holders
Adding a creative twist to your monetary gift can make it even more memorable too. Spiraling money into a puzzle box, the recipient must solve the puzzle to claim their cash – this adds an element of excitement and challenge. You can choose a puzzle that suits the graduate’s interest, making this fun idea even more personal and thoughtful.
Secret compartments that hold hidden treasure. The recipient must learn how to crack the puzzle to open the secret box.
Graduation Cap Mason Jar with Money Diplomas
This graduation money jar by Must Have Mom not only serves as an impressive cash gift but, courtesy of the graduation cap, neatly doubles as a party decoration too. Handmade with love, filled with cash, and resonating with the graduation spirit – what’s not to like?
Fill the Mason jar with rolled-up bills, each ingeniously crafted to resemble mini diplomas. Secure these ‘diplomas’ with bright ribbons for color pop. Add some coins to represent the small steps it took to achieve this big milestone. Top it up with a mini graduation cap, which you can easily craft with black cardstock and an adorable tassel.
And the best part? It might even inspire your graduate to save!
Pizza Box Filled with Cash
Who doesn’t love pizza? Break up the monotonous way of handing over cash in a dull envelope by presenting it in a faux pizza box. Yes – you read that right! The pizza box filled with cash is an ingenious idea that adds a mix of humor, surprise, and cash!
Craft a pizza out of money bills, each piece folded and clipped like a pizza slice. Etsy and Simplistically Living suggest adding red paper circles with quarters on top for that real pepperoni look.
Learn how to make a pizza is the dough gift.
Graduation Money Box Gift Pull
The graduation money box gift pull bears a unique resemblance to a Kleenex box, offering a creative way to gift money to graduates.
This fun and interactive gift involves attaching money bills end-to-end using transparent tape and then neatly rolling them into a tissue box such that the top bill resembles a tissue ready to be pulled. Decorate the box to give it a celebratory touch, and as the graduate pulls out what they think is a tissue, they’d be pleasantly surprised to find a continuous roll of money instead.
Money Shirt and Tie Origami
The art of origami takes to gifting, adding a personal touch to the otherwise cliched act of gifting cash. Enter the money shirt and tie origami – a creative, fun, and super unique graduation gift.
This cleverly folded shirt and tie ensemble is made from a dollar bill. An epitome of the exciting transition from lecture halls to corporate corridors, it resonates with the graduate stepping into professional life. The stitched proverb “Clothes make the man” truly shines out here, for this crisp white money shirt is undoubtedly a charming symbol of maturity and real-world readiness. Add a quarter or a dime to resemble a metallic tie-pin.
For an in-depth tutorial on how to fold a dollar bill into a shirt and tie, you can look up directions here.
Unique Money Gift Presentation Ideas
Money Tree: An Ever-Growing Investment
In line with the adage, “Money doesn’t grow on trees,” we introduce you to a tongue-in-cheek yet highly symbolic take on this phrase. The Money Tree! (yep, I love to prove my dad wrong!)
This is a creative and innovative way of presenting cash as a gift. It’s also a symbolic nod towards the idea of financial growth and prosperity for the graduate, subtly wishing them monetary abundance throughout their journey.
Fortune Cookie Money Gift
Looking for a fun and quirky way to present money to the graduates on their big day? How about incorporating a little Asian flair and a dash of fun with a Fortune Cookie Money gift? This surprising and unique concept makes for a perfect impression!
The money fortune cookie idea, courtesy of The Paper Mama, is an attractive alternative to age-old gifting methods. Fold your money bills into the shape of fortune cookies and slip them inside a takeaway Chinese box for the ultimate presentation.
Elevate this gift by including a heartfelt note or some thoughtful advice inside each fortune cookie, just like the actual fortune cookies come with hidden messages. Each ‘cookie’ is also a symbol of luck and prosperity.
Zip-Open Money Holder
A Zip-Open Money Holder serves as a stylish and functional way for men to handle their cash, making it a perfect gift for graduates, birthdays, or festive occasions. The design allows for secure storage, and the feature of easily displaying cash by unzipping adds a hint of excitement to the gift-giving process.
With a myriad of styles ranging from minimalist to flashy, you can match the recipient’s personality perfectly.
Emergency Cash Inside Picture Frame: A Lifesaver Graduation Gift Idea
Imagine a rustic shadow box or a sleek modern frame housing a neat arrangement of cash bills under the caption “In Case of Emergency Break the Glass.”
Add a personal touch by including a caring note like “If you ever need help, I’ll be there for you.” This not only gives the impression of a safety net but also reassures them of your ongoing support.
It’s unconventional cash gifting, fun, practical, and literally, their savior ‘in case of emergency’.
Money Balloons to Life You Off Financially!
A truly unique and memorable way to gift money to graduates is to tuck it inside balloons, creating surprising cash confetti.
This sneaky method not only redefines the act of gift-giving, but also adds a fun and exciting element, as the receiver pops the balloon to discover their monetary gift within.
Check out how to make money balloons.
Handmade Money Surprise Bath Bomb
Time for a lovely bath with a hidden surprise! A fantastic way to hide money especially for teen girls!
This unique gift idea of bath bombs also is made with all natural and vegan skin care products. Perfect for small budgets!
Digital-age Money Gifting Methods
Transforming a Venmo Payment into Special Graduation Gift
Building upon this digital-age trend, Venmo introduced the “gift wrap” option, which transforms your usual cash transaction into an endearing cash gift. The payment comes with a short but heartfelt animated GIF intro, which makes the receipt of money all the more special for the recipient.
While Venmo currently does not offer graduation-specific designs, you may utilize the “Just Because” message. Personalize it in your own words, making it relevant to the graduation context. Conveying your wishes and love instantly uplifts the otherwise mechanical act of transferring money.
This digital-age money gift version is ideal if you’re miles apart on your loved one’s Big Day. Despite the physical distance, with Venmo and other such apps, you’re just a few clicks away from blessing the grad with your love, congratulations, and of course, monetary gift.
Money Tree with Gift Cards
A money tree spruced up with various gift cards is an innovative and exciting way to offer a present. This method is not just creative but offers a tangible and enjoyable surprise that surely excites the recipient.
Don’t miss out on purchasing a mix of gift cards from different retailers, topping the whole experience up with a variety of potential shopping sprees. This thoughtful gesture is sure to be appreciated and remember to add a personal touch for an unforgettable gift.
Gift Card in a Congratulations or Graduation Style Gift Box
For a unique and crafty gift presentation, consider placing your gift card inside a mini graduation cap box. This personalized touch not only adds an element of surprise but also highlights the sentimentality of the occasion.
DIY Money Gifts with Step-by-step Instructions
What a sweet Idea!
A unique and sweet way to gift money is by using a glass jar filled with a person’s favorite sweets or candies. Start by choosing a sturdy glass jar, and flood it with your recipient’s beloved candy.
The trick lies in tucking some cash amongst the treats, creating a delightful surprise for the recipient. You can even add a personal touch and a festive aura by attaching a note or decorating the jar appropriate to the occasion, be it graduation, birthday, or holiday.
Learn how to add an element of surprise to your money gift with a glass jar and sweets/candy,
McDonald’s Money French Fries Gift Idea
Everyone loves McDonald’s fries, but have you ever thought of gifting them in money form? The McDonald’s Money French Fries gift idea brings a unique blend of humor and surprise to your graduation gifting game.
This quirky idea involves emptying a McDonald’s french fry container and refilling it with neatly folded bills that mimic yummy fries. This arrangement can be topped off with a note adding to the humor such as, “Did Ronald McDonald ever tell you to keep the change?” or “Want cash fries with that?”
This fun-filled concept comes from Making Memories with your Kids , adding a light-hearted spin to the routine money gifting. Graduates would appreciate this unusual fusion of their fav fast-food chain and a monetary jump-start.
Money Flowers: An Elegant Cash Bouquet
Redefining flower gifting, meet the impressive Money bouquet, an intelligent amalgamation of art, appeal, and worth sure to impress any graduate.
Make the graduation day extra special by gifting your grad a bouquet of flowers with a twist. This project only requires folding skills and a little creativity. Gently roll your money bills to build the cake, then purchase your grad’s favorite flowers.
Plus you can buy the money bill holder on Etsy to make this project easier.
Pre-DIY Money Bouquet
Everyone loves to receive a bouquet of roses! This money gift idea is hidden within the gift. Very attractive present.
This Bouquet is sure to wow for any occasion!
Money Crayons – To Remind Them How Far they Have Come
Consider the charm of hiding money in crayons, an ingenious nod to the recipient’s childhood.
This unique gift idea not only brings back the delightful memory of days spent drawing and coloring with wax sticks, but it also symbolizes the progress the graduate has made, transitioning from using crayons as a child to earning money as an adult.
Learn how to make money crayons.
Investment in Their Future
Express your confidence in the graduate’s future and support their goals with an investment gift. A 529 college savings plan or an investment account is an excellent idea that not only shows your trust in the graduate but also your commitment to their future.
Many grads don’t know how to invest in stocks. So, this may be a great chance to teach them.
It’s not just about money but also a testament to your confidence in them and their dreams. An investment in their future is an invaluable graduation gift that is sure to be appreciated. It’s symbolic, purposeful, and plays a significant part in sculpting their future.
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Indulge in a Money Cake
Lights! Camera! Cake? Hold that thought because we’re going to redefine the whole cake cutting tradition at graduation parties in a fun and profitable way.
Why make a cake when you can make a money cake? It’s an eye-catching centerpiece, a conversation starter, a whole lot of fun, and a cash gift all in one. Inspirations turn dollar bills spiral into a multi-tier cake, complete with a graduation hat on top and maybe even whipped cream at the edges.
“Bake your success,” or let’s say, “Stack your success,” by creating a money cake for your graduate. So, let your creativity flow and gift a homemade cake that’s literally a slice of liquid net worth!
Money Cake Pull Out Kit
Don’t want to make a real cake? Then, opt for the easy solution with a money cake pull out kit! Perfect surprise for graduates with the most versatile and widely-appreciated gift of them all: cash?
We know how you can do it in style: the amazing money cake dispenser, an incredible accessory that you will use on endless occasions.
This complete cash dispenser set includes the special box, cake topper, 1 plastic roll with 50 connected pockets, and printed instructions.
FAQs About Money Gift Ideas For Graduation
Which Creative Ways to Give Graduation Money Gifts is your Favorite?
Graduation is a momentous occasion and deserves a unique token of appreciation and celebration. Money gift ideas for graduation give you plenty of innovative ways to express your well-wishes, support, and belief in the successful road ahead for the graduate.
Whether it’s a Money Cake, Emergency Cash Inside Picture Frame, a McDonald’s Money French Fries, a Money Rosettes bouquet, or a Venmo payment with a personal message, you’re sure to leave a lasting impression.
Each of these ideas adds a fun and creative spin to the traditional act of gifting money.
Regardless of the amount, it is the thoughtfulness and creativity that will be remembered most by the graduate. I still remember ways I received money that was given unusually.
So, which is your favorite, and what novel money gift would you create for your loved one’s graduation?
Make sure to include these financial adults for young adults as wise wisdom.
Source
- National Retail Federation. “Graduation spending to reach $5.2 billion with cash and greeting cards as most popular gifts.” https://nrf.com/media-center/press-releases/graduation-spending-reach-52-billion-cash-and-greeting-cards-most. Accessed December 20, 2023.
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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Inside: Looking for a creative and easy way to give money as a gift? Look no further than these Money Gift Boxes! These boxes are perfect for any occasion and can be customized to make the gift even more special.
Gone are the days of simply slipping cash into a card; let’s welcome the creative and memorable gesture of a money gift box!
A money gift box, usually filled with crisp euro or dollar bills, presents a unique, exciting, and personalized way to gift money!
Why settle for boring when you can enchant the lucky recipient with this delightful surprise?
Gifting cash doesn’t have to be impersonal or dreary.
A money gift box makes the act of giving money much more thoughtful and engaging, as it shows that you have gone the extra mile to make your gift special.
The beauty of this idea is that it can be customized to fit various occasions – birthdays, weddings, graduation, or even business events.
No matter the occasion or recipient, a money gift box is not just a gift, it’s an experience that lasts even beyond the moment the box is opened.
Choose to make your gift memorable with one of these curated money gift box ideas.
What is a Money Gift Box?
A Money Gift Box is a unique and creative way of giving money as a gift where cash, often in the form of dollar bills assembled and neatly packaged within a gift box.
These boxes are popular gifts for occasions such as weddings, Christmas, birthdays, and other celebratory events where monetary giving is customary.
Money gift ideas are a hot idea and these are unique ways to wrap your cash gifts in an enticing box, creating a true element of surprise or maybe even a puzzle!
How can I surprise my money as a gift?
Coming up with innovative ways to gift money can transform an otherwise simple and predictable present into a surprise packed with joy and excitement.
One fantastic method is the money gift box — it’s unique, elegant, and speaks volumes about your creative prowess.
The money pull box is not just an exciting twist on traditional greeting cards or money envelopes, but it also allows for personalized notes and heartfelt messages, turning a practical gift into something far more special and sentimental.
This ingenious idea is not only an impactful way to give cash but also easy to accomplish.
Remember, it’s the thought, creativity, and effort that transform money—often perceived as a last-minute and impersonal gift—into something unique, intimate, and forever memorable.
Turn that element of surprise up a notch with the money gift box!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Why Choose a Money Gift Box?
1. You can give money in a creative way.
2. The gift can be customized according to the occasion.
3. Money is a versatile gift that can fit any budget.
4. The gift is easy to make.
5. Money can be given in many different forms, including coins, dollar bills, and more.
6. The gift can be given in various ways, such as in a card box, on a birthday cake, or in an envelope.
7. The gift can be personalized with decorations and other additions.
8. Money can be given in a memorable way.
9. The gift can be given in a way that is relevant to the event.
10. Money can be given in a way that is safe and secure.
How do you put money in a gift box?
Putting money in a gift box can be a delightful surprise for the recipient. One commonly fun method is to tape dollar bills or Euro notes end to end and roll them up tightly – even easier to use the money dispenser bag.
The rolled-up notes are then placed inside the box, with one end fed through a slit in the box and attached to a tab labeled “pull”. This allows the recipient to unravel a long coiled string of money, adding an element of surprise to the gift.
The type, amount, and currency of money can be chosen based on the occasion, whether it’s for a wedding, graduation, or birthday.
Learn how much to give for high school graduation.
Money Gift Box Ideas
Jazz up your gift-giving game with a delightful surprise: a money gift box!
This innovative yet straightforward gift is perfect for any occasion, and we bet the recipient will love it.
Perfect for anyone you value, from family to friends. It’s an excellent gift for celebrations like birthdays, weddings, graduation, or even anniversaries. Perfect small gift ideas!
We curated the best money gift boxes available and picked our favorites, which we can’t wait to share with you!
Money Box for Cash Gift Pull
Imagine surprising your loved ones with a unique, fun-filled cash gift – the Money Box for Cash Gift Pull! Not your traditional presents, this creative and thrilling gift idea redefines the joy of giving.
Tug at the end, and imagine their thrill as they unfold a continuous string of dollar bills.
This money pull box adds excitement, charm, and a touch of suspense to your gift-giving occasions. It combines love, beauty, and utility, making gifting cash a delightful experience.
Expert Tip: Personalize with heartfelt written notes and be generous with the denomination of bills for a more memorable surprise.
Green Money Machine Cash Dispenser
Ditch the mundane envelopes for gifting cash and add a fun twist with the Green Money Machine Cash Dispenser. It is a gift box that turns your cash gifts into an exciting surprise, adding a layer of anticipation to your presents.
We all want a money machine, right? Sounds like a rack of money to me!
The Green Money Machine Cash Dispenser guarantees a gift-giving experience that’s both exciting and memorable.
To use it, just attach the pull-tab to the first bill and thread it through the slot on the top of the Money Machine. The card stock box is lightweight making it hassle-free to carry or send through mail.
Made in the USA, this money dispenser doesn’t include cash, providing you the flexibility to fill it with your choice of cash amount.
Pink Cash Heart Money Pull Box
Looking for a creative way to gift money? Meet the Pink Cash Pull Box – a unique money gift box designed to add a memorable twist to your gifting moments.
This DIY money pull kit allows you to roll your cash, hide it under the box filler, and insert other surprises like flowers or a gift card. Watch as your loved ones delight in pulling out a cascade of money and gifts – an unforgettable moment!
This versatile gift box features an automatic on/off string light that illuminates when the box is opened, providing an enchanting reveal. It’s suitable for multiple occasions such as Valentine’s Day, Mother’s Day, birthdays, or anniversaries, making it a thoughtful gift idea for your wife, husband, mother, father, or grandma.
Imagine your loved one opening this in anticipation of a small gift, only to continue pulling out surprise after surprise, ending with birthday money – a gift that perfectly blends sentiment with practicality.
Black Money Box Cash Pull
Surprise your loved ones in a uniquely thrilling way with Ribbonbonbox’s Black Money Box Cash Pull, a luxurious and unforgettable gift experience.
The black box is elegantly designed, highlighted by beautiful red soap roses and a built-in LED light for an additional extraordinary effect.
Crafted with a durable wooden board and acrylic lid, it’s designed for longevity, ensuring the surprise doesn’t fade with time.
Optimized for everyone — from life partners and best friends to parents and grandparents — it’s a compelling choice for all occasions, from birthdays to anniversaries.
Expert Tip: Add in different types of bills while filling the box, for an extra element of fun when your loved one pulls out the cash!
ThinkMax Money Maze Puzzle Box
If you’re searching for the perfect gift that’s both exciting and wallet-friendly, the ThinkMax Money Maze Puzzle Box is an excellent choice. This unique gift combines the thrill of a puzzle with the sweet success of a hidden reward, making it an unforgettable present.
- The puzzle box offers a fun and challenging way to gift money or small items. Just slide the ball to the top and push the latch to open the box.
- It’s ideal for teen boys, girls, and co-workers, thanks to its modern design and eye-catching colors. In fact, these are inexpensive gifs for coworkers.
- But it’s more than just a gimmick – the money maze puzzle box also fosters the development of motor skills, enhances spatial awareness, and strengthens logical thinking.
To make it even more memorable, consider adding a custom message or inserting a specially chosen gift into the box.
Remember, with a touch of creativity, the ThinkMax Money Maze Puzzle Box can be transformed into the greatest gift of all seasons.
Money Puzzle Box for Cash – Solve the Puzzle
Looking for a fun way to give money gifts in care packages for college students? Let me introduce you to the Money Puzzle Box!
This unique gift box adds a thrilling twist to gift-giving by turning it into a captivating adventure. As one of the best money gift box ideas, it’s not just a box, it’s a rewarding 3x3x3 maze puzzle that stores your precious present inside.
This is a clever cash holder and brain-busting puzzle in one.
Plus gives a delightful challenge to your recipient, improving their spatial awareness, motor skills, and concentration.
3D Escape Game Money Box
Imagine surprising your loved ones with a unique, puzzle-solving gift box experience. How, you ask?
Let me walk you through the marvel of 3D Escape Game Money Box.
- Start by acquiring the wooden puzzle escape room game, which doubles up as an impressive gift box.
- Upon unboxing, navigate through its various compartments designed to pose stimulating mental challenges.
- Once you unravel all the mysteries, find the hidden compartment which is perfect for concealing an assortment of gifts such as jewelry, money, or even a personalized note.
Undoubtedly, this 2-in-1 gift idea holds more than meets the eye. It’s not just about the physical treasure hidden inside, but the thrilling adventure in unlocking it.
Happy Birthday Day Money Box for Cash
A happy birthday money box filled with cash makes for a unique and exciting gift.
This creative alternative to placing money in a pull-out fashion offers a colorful and festive way to surprise the birthday person.
The process is simple: dollar bills are taped end to end, rolled up, and placed in a specially designed box. The recipient then pulls a long string of money out of the box, resulting in plenty of smiles and happy surprises.
Above all, the exhilaration of pulling out a roll of cash is an unparalleled experience that makes it the best gift for friends or family who appreciate fun and creativity.
Wooden Secret Puzzle Box
The Wooden Secret Puzzle Box is an innovative and entertaining way to gift money or small presents. With an additional double lock, it creates a mentally stimulating challenge for the recipient, promoting problem-solving skills and increasing brain fitness.
This wooden keepsake box is not just a puzzle, it’s an experience.
The excitement of unlocking the secret compartment to reveal the gift inside surpasses the typical present, providing hours of entertainment. These boxes aren’t just for adults, children can also enjoy the challenge.
The process to unlock the loot requires some effort but is ultimately rewarding. Tilting the box and navigating the slider right, you’ll hit the lock— rewarding patience and logic with the much-desired gift.
Perfect to add to Easter basket ideas for girls.
Confetti Exploding Gift Box
Experience the thrill of giving and receiving with the Confetti Exploding Gift Box – it’s not just a gift; it’s a party in a box!
Imagine the surprise and laughter as the box explodes with confetti, making for a truly unforgettable gift-opening moment.
This isn’t your typical ribbon-tied gift; the box is beautifully crafted in Europe with premium quality materials, ensuring not just a surprise but also a touch of class. It’s perfect for everyone – children, adults, or even your colleagues celebrating their work anniversary.
Think about it… who wouldn’t love their face sprinkling down with confetti! This gift guarantees not just an explosion of colorful bits but, more importantly, an explosion of emotions.
Remember, this isn’t just for the recipient; bystanders will be delighted too, making your gift the talk of the party!
Brain Teaser Wooden Box with Hidden Cash
Introducing the Brain Teaser Wooden Box, an enthralling blend of puzzles, secret stash, and premium craftsmanship. This mysterious box is a fun, engaging, and stylish way to gift cash or other valuables.
Imagine the thrill of gifting a treasure chest that doubles as a mental workout. Crafted from high-quality wood, its intricate design and precise construction make it an impressive gift. Whether it’s for men, women, or puzzle enthusiasts, they will appreciate the challenge and craftsmanship.
- What’s in the box? That’s part of the mystery, making it an intriguing conversation starter.
- It’s more than just a puzzle; it’s a secure place to hide valuables or surprise someone with a cash gift.
- With its versatility, it can also serve as a chic jewelry box or desk decor.
The journey of unlocking this box is half the fun! Whether you’re playing Santa or looking for a unique anniversary gift or boys Easter basket, the Brain Teaser Wooden Box is your exciting solution.
Secret Puzzle Box
Discover a whole new world of excitement and intrigue with the Secret Puzzle Box – an innovative way to gift money or valuable cards. Delight in the thrill of solving a complex mystery as you explore this extraordinary gift box.
Its design combines the addictive challenge of a brain teaser with the thrill of a treasure hunt. It’s perfect for adults who relish intellectually stimulating experiences.
You can safely conceal valuable possessions such as cash, jewelry, or gift cards in its lockable compartments. Nothing like sparking curiosity by keeping your gift under wraps!
Constructed with high-quality wood, it boasts an intricate design that showcases exquisite craftsmanship. Apart from being a captivating puzzle, it doubles as a unique jewelry box and conversation starter.
Cake Money Box Transparent Bags
Most of the money gift boxes come with transparent bags to load up your cash in.
However, you may need extra. These are perfect if you decide to make a DIY money gift box as well.
Why is it one of the best? Well, here are some compelling features:
- The bag has a size of 3.1 x 7.5 inches, an ideal and manageable size to tuck in your cash gift.
- It’s constructed from high-quality cellophane plastic; lightweight, reusable, and practically invincible against breaks or deformations.
- High transparency ensures your gift is perfectly visible, adding to the anticipation and excitement.
- The self-adhesive design simplifies packaging and saves you time.
- Plus, it possesses excellent vapor-blocking properties, safeguarding your gift from dust and bugs.
Best for occasions like birthday parties, weddings, and family gatherings, this revolutionary gift idea will surely create unforgettable memories.
Expert Tip: You can use these bags not just for money, but also to include small treasured items or personalized notes to make your gift extra special.
How to make a money dispenser box?
All it requires is taping dollar bills end to end in a long string, rolling them, and neatly placing them inside a beautifully designed box. Add a final touch by attaching a “pull” tab to the end bill, and voila – you’ve created a delightful and unexpected gift.
Sounds easy, right? Well, it is. It just takes some practice like these money cake ideas.
Consider using this idea for occasions like birthdays, weddings, or graduation celebrations. After all, who doesn’t love the sight of cascading cash pulled from an exquisitely crafted box?
Step 1: Choose a Money Gift Box
Opt for a box with a festive allure for birthdays or celebratory events.
The box size and shape determine how much money it can hold and how smoothly it dispenses.
The design showcases your creativity and speaks volumes about the occasion.
Remember, it’s not just a gift, it’s an experience. If you want to surprise a friend, pick a box that pops with colors.
Your chosen money gift box sets the stage; make it count!
Step 2: Prepare the Money Roll
You’re onto a fun-filled step of crafting your own money dispenser box, and preparing the money roll!
This part is crucial, so follow closely.
- First, gather your dollar bills. Getting new dollar bills may be a challenge, so make sure you ask your bank first.
- Next, neatly insert the dollar bills in the transparency bags. Also, include a few memorable notes.
- Then, tape the bills end-to-end or use the small sticky dots. Ensure to connect the bills seamlessly and cleanly to maintain the charm of the constant pull.
- Once you’ve crafted a nice lengthy string of bills, begin rolling. Start from one end and maintain a tight, steady roll until it looks like a small, compact money bundle.
A quick expert tip here – if the roll seems loose or flimsy, don’t worry. Tightening it up as you go often helps achieve compactness.
Congratulations, you’re one step closer to creating an absolute hit of a gift!
Remember, the joy is in both the making and the giving! Keep up the great work, and let’s dive into the next step soon.
Step 3: Make the Boxes
This is where you incorporate the money into the box, effectively transforming it into a thrilling dispenser.
Insert your tightly wrapped roll of money into the gift box. Make sure you leave the pull the money out.
Next, you can add trinkets or other mementos to the box if you prefer.
Make sure to securely tape it, ensuring that it’s attached beautifully and strongly.
Step 4: Give Out the Boxes
Now for the fun part! Give your money gift box to the recipient or recipients.
As your friend unwraps the seemingly ordinary gift, the initial confusion transitions into pure delight as they pull out a long string of dollar bills from the box. Their bemused smile and surprised laughter truly makes the effort worthwhile.
Remember, it’s not just the monetary value of this gift that matters, but the joyful surprise and the shared happiness it brings.
Get creative with your gift-giving and make each celebration truly memorable.
Money Puzzle Gift Boxes for Cash
One of the MOST popular gifts!
This maze puzzle cube is a unique cash holder. Perfect for kids and adults, it’s a thrilling puzzle box and money maze.
Get yours now and turn gifting into an adventure!
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Which Money Boxes for Gifts are your Favorite?
In conclusion, these money gift boxes are more than just vessels – they’re tangible expressions of generosity, thoughtfulness, and affection. They instill in the recipients a sense of appreciation and an overwhelming feeling of being valued.
Plus, who doesn’t like a little surprising twist with their monetary gift?
Start shopping now for these amazing money gift boxes to make your gifting experience memorable and cherished.
After all, the best gifts are not only about what you give but also how you give them. Perfect ideas for gifts for kids who have everything!
With money gift boxes, you can add that extra personal touch, making your gift more special and memorable.
Filled with surprise and delight, these money gift boxes are sure to impress and leave a lasting imprint.
So why wait? Begin your money gift box shopping now and lavish your loved ones with a gift they’ll truly cherish!
Embrace gifting in style with a money gift box! Plus these may work perfectly for a no gift Christmas!
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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I bet you didn’t know that Home Depot isn’t just for hammers and nails — it’s also stocked with beautiful decorative items, from fancy candles to luxe linens. As a designer, I often source from the retailer, because it carries everything from key pieces of furniture to blissful bedding. Below I’ve collected just a smattering of the deals still on offer in the Home Depot 2023 Black Friday sale.
Save an orange bucket’s worth of dough with this sale, and freshen up your home. But don’t wait too long — these Home Depot extended Black Friday deals are going faster than your famous sweet potato pie did on Thanksgiving.
Home Depot
Channel hygge this winter — the art of being comfortable — with a sherpa-lined throw in cozy plaid. Save 50% on this holiday-worthy option, and snuggle up under the weight of the standard throw-sized charmer. Looks great on a chair or at the edge of your bed. Machine washable for easy cleaning.
$18 at Home Depot
Home Depot
You can never have enough storage, and large woven baskets are a charming way to keep tidy. This set includes two, so you can use them in the foyer for extra shoes, the living room for throw blankets or the bathroom for rolled-up towels. Save nearly 60% on these open-weave organic looking winners.
$50 at Home Depot
Home Depot
Score a 60% discount on lanterns so versatile, you’ll want them everywhere in the house. Designed for use with flameless candles, this set will serve you year-round. Add a welcoming touch to an entryway, some ambiance to the living room or dress them up for the holidays with fresh greens and ribbon. The set comes in varying heights of 15 and 18.75 inches tall.
$72 at Home Depot
Home Depot
A tray goes a long way as an essential multi-tasker in your home. Use it to serve up cocktails or as a reliable surface to rest your drink on your coffee table ottoman. This beauty, in a natural wood grain walnut finish, is finished with brass handles lending it elegance. Add some decor, like a live plant or trio of accessories. Get creative— it’s as functional as it is attractive.
$66 at Home Depot
Home Depot
Mirrors are a designer’s trick of the trade to catch the light and make a room appear larger. This beauty is available in different sizes for just the right fit. Hang it over your dresser in the bedroom, above a console in your entry or use it as your bathroom vanity mirror. Save 55%.
$90 at Home Depot
Home Depot
When my clients don’t have a green thumb, are worried about pests or have a second home, I recommend a faux plant to give a room a natural vibe that springs to life. At 6 feet, this palm makes a statement, filling your space with fresh greens without the worry. Save more than 40% on this lush palm with bamboo-like stems and you’ll bring a taste of the tropics indoors.
$70 at Home Depot
Home Depot
A pouf or small ottoman is a great addition to any room. It provides extra seating in a pinch, or a great place to put your feet up. Light enough to move where you need them, this knit version is just the texture for winter. I’m drawn to this pretty blush color, but check out the variety of shades, from bold to neutral. Get 25% off — I’d grab two.
$50 at Home Depot
Home Depot
I’m charmed by this pair of decorative vases, in 6 and 8 inch heights, that are the perfect objét to add to your bookcases, entry console or dining centerpiece. Natural pottery such as this adds warmth to the room with a hand-cast feel, and the speckled glaze finish is earthy and pleasing to the eye. Not waterproof, these are meant for dried flowers or add a topiary ball to the top. Though I think their shape and texture is attractive enough to stand alone. Enjoy 20% off.
$26 at Home Depot
Home Depot
Good design should inspire all the senses, so don’t forget to add a scent to the air. This candle by Root is literally rooted in its passion for bees, creating a natural beeswax-blended candle. Aromas abound, but I’ve featured the Winter Balsam scent to evoke the season with its combination of Canadian fir needle and green citrus. With a natural fiber wick, you can feel good about gifting this made-in-the-USA candle. Save 20%.
$21 at Home Depot
Home Depot
Score a 45% discount on a new set of sheets and level up your bedding. These luxurious cotton sateen sheets are wrinkle-resistant with a silky finish. OEKO-TEX certified for safety, the fitted sheet works with mattresses anywhere from 8 in. to 20 in. using patented Flexi Fit technology.
$49 at Home Depot
Home Depot
Don’t forget the bathroom. This 45%-off deal is a great opportunity to refresh your bath linens for less. Available in a bevy of colors, the set includes bath and hand towels, plus washcloths. The 100% Hygro Cotton gets softer and fluffier the more you wash.
$66 at Home Depot
Home Depot
Do you have something in your yard you’d prefer not to look at — like a rough fence around an air conditioning unit? These artificial hedges can cover up an eyesore with ease. You’ll get 12 tiles, each 20 inches by 20 inches, that will cover a total of 33 square feet.
$60 at Home Depot
Your Black Friday Shopping Guide: See all of Yahoo’s Black Friday coverage here. Follow Engadget for Black Friday tech deals. Learn about Black Friday trends on In the Know. Hear from Autoblog’s experts on the best Black Friday deals for your car, garage and home, and find Black Friday sales to shop on AOL, handpicked just for you.
How we find and select deals: Our deal-hunting team of award-winning writers and editors are seasoned experts in their fields (tech, style, home, beauty), many with 20+ years of experience. This team works diligently to bring you the best sales, deals and price drops. Our unbiased experts maintain strict editorial integrity: We only feature items we believe will save you money. Here’s more on how we select deals for our Black Friday and Cyber Monday coverage.
Source: yahoo.com
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The idea of re-gifting things you’ve received over the years is often met with criticism. But if you’re looking for ways to save money during the holiday season, certain items are OK to re-gift.
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Before re-gifting anything, though, it’s important to understand that there’s a certain etiquette involved with it. For example, the items you re-gift should either be brand new or easily pass as being new. You should also avoid giving the same gift to the original gifter or to someone who might tell them what they received. And, ideally, you’ll want to choose something that suits the recipient and isn’t just something you want to get rid of.
By doing these things, nobody can call you “cheap” or “lazy” when they receive the item. And if you do it right, you might even be able to re-gift items without anyone ever knowing.
With that in mind, here are the top items that are completely OK to re-gift, according to etiquette experts.
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Home Decor or Holiday Decorations
Many households have an assortment of home decor items that they either never or rarely use. Sometimes, these items are passed down as family heirlooms. Other times, they were originally gifts that simply didn’t match the recipient’s preferences. Whatever the case, if you have certain home decor items or holiday decorations, you might be able to re-gift them for someone else looking to save money.
“In addition to being lovely re-gifts, decorative things like festive candles, exquisite ornaments, or sophisticated home décor pieces are equally delightful,” said Danial Adams, the CMO of Still Water Wellness. Many of these items can be easily incorporated into anyone’s home, too.
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Kitchen Supplies
If you have duplicates of small kitchen appliances or supplies, you might be able to cut costs and re-gift them as well. From dish sets to cookware to blenders, these items can be both practical and the perfect addition to someone else’s home.
“Small kitchen gadgets like coffee makers or blenders can often be regifted, especially if they are in excellent condition. These items are practical and can find new homes without any issues,” said Alexander Havkin, regional sales and project manager of Ecoline Windows.
Other options include small kitchen gadgets, high-quality cookware, utensils, nonstick pans, and stainless steel knives. To ensure proper etiquette, make sure everything is in good condition. If possible, use the original packaging as well.
“Never regift items that are outdated,” advised Katherine Melton at Nexofly. “Items that are not current or show signs of wear can easily be identified as regifts.” Certain older items might also fail to meet current safety standards.
Home Security Gadgets
If you’ve got home security items that you don’t use, such as a specialized doorbell or outdoor camera, you might want to consider re-gifting them. You can even re-gift books related to home security if desired.
“If you received a duplicate or an upgrade of a security device that’s still in its original packaging, it can be a great gift for someone looking to enhance their home security,” said Eugene Klimaszewski, the president of Mammoth Security Inc.
Don’t try to re-gift a home security system that’s already been programmed for your unique home layout, though. This and other personalized security options might not work properly for the next person.
Alcohol
Alcohol isn’t high on everyone’s wish list, but it’s a very common gift to receive — especially under celebratory circumstances. The good news is that, if you’ve got a couple of bottles at home that you’re never going to drink, you might have someone in your social circle who’d like them. Plus, alcohol is generally easy to repackage.
“Bottles of alcohol are always great gifts to give, as well as re-gift,” said Troy Portillo, Director of Operations of Studypool. “You might’ve been given a bottle of wine from a well-meaning friend and you know you don’t like that particular label. It’s perfectly fine to re-gift it to someone else.”
On the other hand, if the bottle was personalized in some way, you might be stuck with it.
Pet Supplies
Next up on the list of items that are OK to re-gift are certain pet supplies, toys, and treats.
“Gently used or new pet toys can be re-gifted, as long as they are in excellent condition and your recipient has a furry friend,” said Mollie Newton, the founder of PetMeTwice. “Similarly, unopened pet treats or food can be re-gifted if they haven’t reached their expiration date. Just ensure that the recipient’s pet doesn’t have any allergies or dietary restrictions.”
Certain pet supplies should not be re-gifted, however. This includes medications and supplements that are specific to your pet. It also includes used grooming products such as pet combs or open bottles of pet shampoo.
Winter Clothing
Winter apparel can make for a great gift, especially if it’s never been used and still has its original tag. Clothing items that are OK to re-gift include scarves, gloves, and hats.
Just be aware that certain sizes, colors, patterns, and even fabrics might not work with everyone’s tastes. Before gifting or re-gifting clothing, make sure you know the recipient’s preferences.
Tools
If you’ve received tools that are just cluttering up your space or gathering dust in a closet or garage, you might want to consider re-gifting them the next time you’re celebrating a holiday or a birthday.
“Tool kits, equipped with essential tools for household repairs or DIY projects, make practical and thoughtful gifts,” said Steve Chan, the team lead at Repairs. Your recipient can then use these tools for their own home improvement projects or related tasks.
Scented Candles and Perfumes
Last but not least, etiquette experts say that scented candles and perfumes that have never been used are OK to re-gift. The same goes for diffusers and essential oils.
“As long as the scents are appealing and unused, these items can be regifted if you know the recipient’s taste,” said Matthew Carlson, the founder of Parent Presents.
More From GOBankingRates
This article originally appeared on GOBankingRates.com: Shop in Your Own Home This Holiday Season: 8 Items That Are OK To Re-gift, According to Etiquette Experts
Source: finance.yahoo.com
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Instead of giving the typical toys, video games, and clothes this holiday season, have you considered giving shares of the companies that make the products?
While toys might break, and batteries can run out, stocks may help the gift receiver take a first step in getting their money right. Plus, you don’t have to brave the crowds during holiday shopping!
For 2023, the annual gift tax exclusion is $17,000 per person ($34,000 per married couple).
The Gift That Keeps on Giving
You can simply buy an actual stock certificate to gift it. Some financial institutions allow you to create a custodial account to transfer or buy stocks into. SoFi does not offer gifting of stock at this time.
Learn more about how to budget better this holiday season with SoFi’s Holiday Spending Guide.
Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
Communication of SoFi Wealth LLC an SEC Registered Investment Advisor
SoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.
Source: sofi.com
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Most Curated is a monthly series in which one editor, team member or friend of Livingetc will share the top 15 items on their current wish list.
I don’t know if it’s the abundance of tinsel and velvet ribbons I’m seeing all over social media this holiday season, but I’ve never felt more in tune with decorative trends than I have this year. In a season built on tradition, things are bound to feel redundant: décor, food, and even gifts. But this year, I’m inspired by all the creativity I’m seeing, so I’m pushing myself to color outside the lines when it comes to home décor and gifting. What you’ll find below is a curation of items that sparked joy for me while I was online shopping this month. For a personalized gift, you have to shop the monogrammed frames below. For holiday meal prep, this Jenni Kayne x Staub collab is just perfection. And if you’ve got a dinner party invitation, I suggest showing up with the Flamingo Estate Garden box as a gift for the host. Keep scrolling to shop these cool finds and even more favorites below.
Free People Retro Stirrer
Laetitia Rouget Viens on se Casse Ceramic Serving Platter
Le Labo Candle Discovery Set
Leif Blue Windowpane Ceramic Dish
Bettina Ceramica Gigli Jug
Piglet in Bed Botanical Green Gingham Linen Tablecloth
Anthropologie Ramona Wine Glasses
Jenni Kayne x Staub Round Cocotte
Assouline Barbie Book
Free People Mini Oaxaca Candle
Anthropologie Woven Cozy Throw Blanket
Anthropologie Nelda Egg Crate
Anthropologie Scarlet Monogram Frame
Flamingo Estate The Garden Tour Set
Heather Taylor Home Stripe Velvet Bow Crackers
It wouldn’t be a 2023 holiday roundup without a velvet bow. These poppers are such a fun tradition for any dinner party.
Source: livingetc.com