“Until he got all rich and fancy so that he no longer understands the common person’s plight.
Stash probably doesn’t even practice any of these money-saving things he preaches any more!”
When I read things like this, I can’t help but laugh. Because on the one hand, when you put a bunch of personal life details online like this, being misunderstood is just part of the package. But on the other hand, if the critics could peek in and see our real lives – not just mine but those of all the Mustachians – they would have to give up their conspiracy theories and accept the fact that this stuff just works.
Because really, not much has changed when it comes to the basics. Like many MMM readers over the past twelve years, my total wealth level has increased pretty regularly. But also like many of us, I haven’t felt the need to change very much about my spending because I was doing my best to live an enjoyable life in the first place.
How have so many people found such great success? I think we Mustachians have something that’s a bit more rare and special than standard financial advice, which is what makes it work so well:
Standard Advice: Slash your spending and make sacrifices until you reach a certain savings percentage, and beyond that it doesn’t matter, it’s all personal choice. More income? Great, that means you don’t have to sacrifice as much! FatFIRE for everyone!
Mustachianism: Cultivate a love of efficiency, creativity, self awareness, and self improvement. Use this knowledge to improve your life in all ways, including those which help you live better even as your monthly expense rate drops over time.
So what does this mean in practice?
Well, I’ll give you some examples from my own present-day life. Things I do because I happen to enjoy them, which also happen to save a lot of money. Some of these are normal, some are silly and may end up in some future gossip magazine hit piece, but all of them happen to work for me, so the critics can be damned.
As I list each item, I’ll include an estimate of how much the activity saves me per decade, because you should always think at least in terms of decades.
To make that calculation yourself, just use the “rule of 172” – take a monthly expense and multiply it by 172 to estimate how much it would compound into over ten years, if invested.
1) Fixing my own House (and everybody else’s too)
Construction projects from recent years, at home and around the state.
I’m a big believer in self-sufficiency, and working to build up the skills to manage the most important parts of your own life without depending on too many things (or people) that are outside of your control. In other words, one giant recipe for a happy life is simply to Become a Producer of the Things You Most Enjoy Consuming.
And in my case, I happen to love houses. I like living in beautiful, functional spaces and sharing them with friends. But most houses are ugly and poorly designed when you buy them, so I realized that I also love solving problems and redesigning old buildings to become new again. I enjoy this process so much that I spend most of my free time doing it – on both my own properties and the homes of friends.
And I love teaching other people to gain power over their own houses too. It’s amazing how great people feel as they lose their fear and dependence on outside contractors, and gain the ability to fix and maintain things with their own two hands.
Savings: An average of $20,000 per year = $287,000 per decade
2) Craigslist and Community
Members of our coworking space, swapping valuable free stuff every day.
You know what’s great? Having so much money that you can buy whatever you want – high quality things which get delivered to your front door the very next day.
You know what’s even better? Not buying some of those new things, and instead finding ways to share, repurpose and buy equally high quality items from other people who don’t need them any more. All while building up your own community and creating new friendships in the process.
Craigslist, Facebook Marketplace, and even NextDoor all have Buy Nothing groups for most areas. In the MMM-HQ community, we run a Discord server with about 200 local people, who chat around the clock on a wide range of subjects. They help each other with major projects in one channel called #diyhowto, and give away and sell things on #forsale and #buynothing.
Although our private Discord group is my favorite, I also use Craigslist regularly, and probably save (and earn) a few thousand every year thanks to the habit:
Savings: About $42,000 per decade
3) Bikes over Cars
Sure glad I’m not stuck in a Jeep on these off-road trails!
We all know that Mr. Money Mustache’s biggest contribution to personal finance is to insist that bike transportation is the best way to get around. And I still feel this way. As we learned in The True Cost of Commuting, cars cost at least 50 cents per mile to operate, while bikes are much cheaper, mainly due to reduced depreciation and maintenance costs (which are even bigger than the gas savings).
I do still use bikes (or walking) for at least 95% of my local trips these days, but because I live in the center of a small city, my life is pretty local. So this still only adds up to about 2000 miles per year, a savings of “only” $14,000 per decade.
But when you choose active transportation, there’s much more to the picture than just cutting your car expenses. You’re changing everything about your physical and mental health picture for the better, which brings us to the next point of…
4) Muscle over Motor
Digging out the crappy old window wells to build a bigger terraced garden.
Although I’m no competitive athlete, whenever I see an option to make my body work a bit harder, I usually take it. Stairs instead of elevators, running the golf course instead of using a golf cart, moving my own furniture and appliances instead of calling a mover, shoveling snow and raking leaves instead of using a machine.
When I face a decision like this, I simply ask myself the question:
“Well, Mustache. Do you want MORE health and fitness, or LESS?”
Putting it in that context makes the answer obvious. Every bit helps, because when it comes to your body, the rule is pretty much use it or lose it.
But how much money does this save? There’s no real way to calculate it exactly, but I like to think of it this way: The US average health care spending is about $13,000 per person per year. My lifetime costs due to illness or medication so far have been just about zero, plus I know I’ve had more energy and greater productivity due to being healthy. Let’s just put it very conservatively and set the estimated savings and benefits at $10k per year which means
Estimated Savings: $140,000 per decade.
5) Saving Energy by Running my home like a Glamping Retreat
Outdoor cooking, showering, laundry and even a homemade gym? Why not?!
Here’s where things get a bit silly, but my level of joy is actually at its greatest.
My personality type is probably a weird combination of an engineer, a carpenter, an artsy hippie, and a mad scientist. Oh, and a devoted homebody too. Because of this, my favorite activity most days is to just run around my house taking care of things and trying new little experiments and improvements.
Sometimes I’ll cut a few big holes on on the South side of the house and install sliding doors and big windows to allow nice sunbeams and passive solar energy to get into my house and give me free heat in the winters. Other times it’s just smaller things to save energy and live more at at one with the seasons of my area:
optimizing the use of air conditioning by running fans at night and building heat tolerance during the days (we set the A/C to only kick on at about 80F)
Enjoying most of my showers outside, with free hot water from the 100 foot garden hose that happens to be coiled in a sunny spot
Cooling myself and get free energy boosts by jumping in the “cold plunge”, which is simply an unheated hot tub I have set up in my back yard
Doing most of my cooking and dining outdoors with an induction cooktop, gas grill, espresso machine, and mini convection toaster oven deal that I keep set up outside during the warmer months of the year
Drying 99% of my loads of laundry out on the line instead of using the clothes dryer
I even charge my car with a little off-grid array of solar panels set up in the driveway (from Craisglist, of course!), which gives me free electricity for driving without going through the permit-hell hassle of a full grid-tied system in my city’s currently solar unfriendly environment.
Even taken all together, these things are pretty small – the average combined gas and electric bill for my area is about $250 per month, while my usage adds up to about $75. So while we’re only saving about $30,000 per decade for what sounds like a lot of work to most people, I consider this to be the biggest win because I enjoy living in “MMM’s Energy Efficiency Playground” so much.
6) Local Living over Constant Travel
This little lake right behind my house is a great daily “vacation” which allows me to savor home life more and travel a bit less.
“Hey, we’re having a big back yard pool party next weekend to celebrate Amy’s graduation from kindergarten, can you make it?”
“OH NOOOO!!! We will be off in at Disneyland that whole week! We planned the trip months ago, I wish we could make it!
As I type this in the height of the summer season, I really feel this effect at its fullest: almost all of my friends are off on trips, and my guest suite here at home is almost constantly full. People are traveling a lot, and many of them sound like they wish they could spend a few more of their precious summer weeks and weekends at home.
I’ll let you in on a little secret: you can! The trick is saying, “no thanks” more often to plans that involve you being away, and “yes please” to things that let you stay at home. The benefits are numerous:
You nurture your local friendships more and meet new people who live nearby
You spend way less money on plane tickets, hotels, restaurants gasoline, and car repairs
Your levels of health and fitness can go way up because you aren’t missing workouts and spending hours sitting in plane and car and bus seats. And you can better control your meals – more salads with grilled salmon, less McDonald’s and Pizza Hut
You sleep better
And you have more time to take care of projects around your house where you learn more skills which compound for life
Estimated Savings: Even if you replace just two weeks of travel for a family of four, with equivalent time at home you might save $5,000 per year in direct costs and a further $5,000 per year in incidental benefits like the health and local friendships. This would work out to a shocking $143,000 per decade of wealth increase!
Of course, travel is generally a good thing for broadening the life experience of you and your kids. It’s worth spending on, lavishly at times. But the key is to balance it out and be discerning, keeping the most enriching trips and pruning a few off the bottom of the list. And remembering that home time is valuable and healthy too.
And Whoa! We’ve already built up a huge list and I feel like I was just getting started.
Cutting a friend’s hair at a group event: entertainment, education and free haircut in one!
Taken all together, we’ve already detailed things that compound to $656,000 every decade, which already more than double the median wealth that most American seniors have as they cruise nervously into their retirement years – after over 40 years of work!
And now that I’ve been writing this blog for over ten years myself, I can safely say that over $656,000 of even my most recent worth increases are directly attributable to these simple habits. The same ones many of us have been enjoying and preaching about all along, both before and after our retirement dates.
If money is in genuinely short supply, you could go a lot further than the examples in this article. And indeed, there’s a lot more laid out in this blog or the MMM Boot Camp email series.
But one of the points of Mustachianism is that you usually don’t have to try all that hard. Just tweaking your lifestyle to be slightly less ridiculous and more efficient than average is usually all it takes.
—
In the comments: what are your quirks and frugal indulgences? The things you do now to save money, or things you still do even after it’s no longer about the money? I often wonder how widespread this frugality-just-for-fun is. But since we Humans are a naturally curious and problem solving species in our natural state, I suspect there are many more of us out there.
The Moana Surfrider, A Westin Resort & Spa is an icon in Waikiki, a beachfront neighborhood in Honolulu popular amongst tourists. In fact, it was the first hotel in Waikiki Beach. Walking through the lobby of the hotel, which first opened its doors in 1901, feels like stepping into a bygone era. Much of the elegant architecture remains — and of course, so do the ocean views.
The sprawling courtyard, shaded by a massive, 100-year-old banyan tree, is a delightful spot for an afternoon mai tai as you soak up the Hawaiian sunshine. And the Moana Surfrider breakfast — held on a wraparound porch overlooking the water — is divine.
(Photo by Sally French)
But here’s the thing — anyone can visit the bar or restaurant, whether they’re a hotel guest or not. So do the rooms make it worth staying at the hotel? Or, would you be better off staying at another hotel on an Oahu vacation and simply popping over to the Moana Surfrider for a meal or drink?
Here’s our review of the Moana Surfrider, A Westin Resort & Spa:
The Moana Surfrider location
The Moana Surfrider’s beachfront location is top-notch. It offers direct access to Waikiki Beach, steps away from the ocean.
(Photo by Sally French)
The opposite side of the hotel lines Kalakaua Avenue, which is Honolulu’s main shopping street. The prime location means it’s bustling with people, both outside the hotel and on the beach.
Speaking of cars, though, you might not want a rental car in Honolulu given this hotel’s central location, proximity to public transportation and expensive parking rates. The Moana Surfrider parking fee is $65 daily for valet, which is the only option.
There’s also no free airport shuttle sadly, so you’ll have to book a shuttle or rideshare if you forgo a rental car.
Moana Surfrider rooms
(Photo by Sally French)
Moana Surfrider rooms with an ocean view are exceptional; the best rooms offer a panorama that includes both the ocean and Diamond Head, which is a volcanic tuff cone that now stands out as one of the most iconic natural landmarks on Oahu. However, these rooms tend to cost about $200 or more per night as an upcharge for the view.
(Photo by Sally French)
Aside from the view, the rooms are somewhat forgettable and a bit dated. Here’s a look at a Tower room with a king bed and Diamond Head vista:
(Photo by Sally French)
Beds are comfy, but nothing to rave about.
(Photo by Sally French)
The in-room coffee maker is a nice touch.
(Photo by Sally French)
Bathrooms typically feature a tub, though it’s not an oversized tub you’d necessarily want to soak in for a long time.
Rooms also have amenities including a mini fridge and hair dryer.
Key amenities at the Moana Surfrider
The Moana Surfrider charges a $42 daily resort fee, but there are a fair amount of amenities that potentially make the resort fee feel more worth it.
(Photo by Sally French)
The Moana Surfrider pool offers ocean views.
(Photo by Sally French)
The gym is good, but not amazing. Its low ceilings feel a bit cramped, but the cardio machines that face Kalakaua Avenue offer a nice view. There are dumbbells, weight machines and other small pieces of strength equipment like plyometric boxes.
Other, employee-led activities or classes vary by day but include yoga, hula dancing, lei making, a historical hotel tour and a traditional sunrise ceremony.
The resort fee also covers a few extras like a complimentary shopping tote bag and GoPro camera rental.
Moana Lani Spa, a Heavenly Spa by Westin
(Photo by Sally French)
There’s one key amenity that’s not included in the resort fee: Moana Lani Spa. As is usually the case with resort spas, services like facials and massages come at an additional cost. The Moana Surfrider spa is unique in that it’s Waikiki’s only oceanfront spa.
Moana Surfrider restaurants
The Moana Surfrider has one main restaurant serving breakfast, dinner and afternoon tea. There’s also a beach bar, a cafe, a coffee shop and a cocktail lounge.
Dining on the wraparound porch
For a fancier meal, head to the Moana Surfrider’s wraparound porch facing the water. That porch moonlights as a few different restaurants, depending on the time of day.
Veranda at the Moana for breakfast
In the morning, it’s called the Veranda at the Moana. You can choose to dine either buffet-style or order a la carte. Menu items embrace Hawaiian flavors, including the hearty loco moco (a Hawaiian dish of rice, hamburger patty, gravy and egg) and the mango pancakes served with lilikoi curd (lilikoi is the Hawaiian word for passion fruit).
(Photo by Sally French)
If you are committed to dining here, it can make sense to upgrade to the buffet, which offers one of the best brunches in Waikiki. It costs about $10 more than ordering entrees individually, but it entails an all-you-can-eat version of many items on the a la carte menu. Rather than decide between mochiko (local rice flour) waffles, Moana pancakes or an omelet, you might just try it all.
(Photo by Sally French)
Moana Surfrider afternoon tea
After breakfast, the space turns into the site for afternoon tea. Prices for Moana Surfrider tea start at $73 per adult and $37 per child. There, you’ll sip on island flavors like Hawaiian coconut or passion orange guava tea. Treats include tropical sorbet.
Beachhouse at the Moana
At night, that same wraparound porch becomes Beachhouse at the Moana. The white tablecloth restaurant serves fancy fare including steak and seafood.
Other standout dining at the Moana Surfrider
(Photo by Sally French)
The Beach Bar at Moana Surfrider: For casual dining with a stellar atmosphere, consider The Beach Bar. Menu items include poke, burgers and salad. The big draw is the live entertainment — typically ukulele — performed under the famous Moana Surfrider banyan tree.
(Photo by Sally French)
Vintage 1901: For drinks indoors, Vintage 1901 is one of the most charming bars in Waikiki. It’s primarily a wine bar, though other drinks include cocktails with local liquors. Located in the lobby, the bar stands out for its live piano music.
(Photo by Sally French)
Honolulu Coffee: The Moana Surfrider also hosts an outpost of Honolulu Coffee, which is a local coffee chain. Be aware that the lines can get long.
Who is the Moana Surfrider best for?
Travelers who want the best location: If you prioritize being within walking distance of major attractions, restaurants and shopping, then the Moana Surfrider is one of the best hotels in Waikiki. Direct access to Waikiki Beach is convenient, and the beachfront pool is delightful if you’d rather swim in a pool than the ocean.
(Photo by Sally French)
People who appreciate a historic property with charm: Known as the “First Lady of Waikiki,” the property is the first hotel on Waikiki Beach. The property goes a long way to acknowledge its history, including a museum on the second floor plus biweekly historic tours.
Who should skip the Moana Surfrider?
People who prioritize value over the view: Moana Surfrider rooms are impressive primarily because of the views, but you only get a view if you’re willing to splurge. If you’re the kind of person who ends up booking the cheapest available room, you’re better off booking a room without a view at a different hotel.
(Photo by Sally French)
Those travelers might be better off at properties like the Sheraton Princess Kaiulani, which is also a Marriott Bonvoy property. Though it’s not waterfront, that hotel is located just across the street from the Moana Surfrider, providing tourists a similarly central location (albeit a walk across the street to get to the water). Prices vary by night, but NerdWallet found some examples where the Sheraton Princess Kaiulani was going for nearly 50% less on the same night than the Moana Surfrider across the street.
Travelers seeking peace and calm: The lobby, wraparound porch and outdoor space under the banyan tree draw tourists who aren’t staying at the Moana Surfrider, which means the lobby and porch might be packed with a lot more than just hotel guests. If you’re seeking a quiet getaway, you might find the Moana Surfrider overwhelming.
(Photo by Sally French)
Booking the Moana Surfrider
(Photo by Sally French)
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An efficiency apartment is a single room unit that includes the living room, bedroom, dining area, and kitchen. You might be thinking, “How can anyone live in such a compact space?” However, in expensive and large cities renting a smaller space, like an efficiency apartment or a studio, becomes a practical solution.
If you’re relocating to any of these urban centers and searching for an apartment in San Francisco, a rental in New York City, or a studio in Miami, you might frequently come across efficiency listings. These compact living spaces offer a more affordable way to live in prime locations without sacrificing access to city amenities.
What do efficiency apartments look like?
An efficiency apartment typically features a single, compact space that combines the living area, sleeping area, and kitchenette into one room, usually ranging from 300 to 500 square feet. The kitchenette often has a small refrigerator, a microwave, and a minimal cooking area, but not a full stove or oven. The bathroom is usually separate, but everything else is contained within one multifunctional room. The layout is designed to maximize the use of space, often with built-in storage solutions and minimalistic furnishings to keep the area functional and uncluttered.
What is the difference between a studio apartment and an efficiency apartment?
The main difference between a studio apartment and an efficiency apartment is size and layout. Studio apartments are generally larger, featuring an open-concept space that combines the living room, bedroom, and often a full kitchen. In contrast, efficiency apartments are smaller and more compact, usually incorporating a kitchenette to maximize space.
Despite these differences, both types of apartments share similarities in their open-plan design, which combines the living, sleeping, and kitchen areas into one single room. Both are designed to provide a functional living space in a smaller footprint, often appealing to individuals or couples looking for affordable, efficient housing options.
Are efficiency apartments cheaper than studio apartments?
While efficiency apartments are generally less expensive than studio apartments due to their smaller size, the actual cost depends on the location, with downtown areas typically being pricier. Factors like luxury amenities and features can also affect the price. Efficiency apartments are often the more affordable option for those wanting to live in lively areas, especially if you can reduce car-related expenses by walking, biking, or using public transit. Additionally, their smaller size means lower utility costs and less spending on furniture and décor.
Is an efficiency apartment right for you? Pros and cons
Depending on your life situation, an efficiency apartment might be the best option to afford a neighborhood that’s otherwise too pricey for a regular apartment. It’s also ideal for a single person who doesn’t have many possessions or need a lot of space.
Pros of renting an efficiency apartment
Affordable: Efficiency apartments are generally less expensive than larger units, making them a budget-friendly option.
Easy to clean and maintain: The smaller size means less space to clean and maintain, saving time and effort.
Access to apartment amenities (pool, gym, etc.): Many efficiency apartments are part of larger complexes that offer access to amenities like pools, gyms, and communal areas.
Cons of renting an efficiency apartment
Very limited space: The compact size means you have very little room to move around or store items.
No privacy for guests: Hosting guests can be challenging due to the lack of separate rooms and private areas.
Kitchen smells in sleeping/living areas: Cooking smells can easily spread to the sleeping and living areas due to the open layout.
Lack of storage: Limited space often means insufficient storage for personal belongings.
Efficiency apartment FAQs
Where can you find an efficiency apartment?
Most efficiency apartments can be found in cities where unit sizes tend to be smaller, such as New York or San Francisco. However, there are apartment complexes across the country that also offer efficiency apartments as an affordable option for renters.
To find an efficiency apartment on ApartmentGuide, Redfin, or Rent.com, search for keywords like “studio” or “efficiency apartment,” or set the max bedroom/bed and bath filter to studio. When renting an efficiency apartment, consider factors such as location, rent price, included utilities, available amenities, and the overall layout to ensure it meets your needs.
What appliances do efficiency apartments have?
An efficiency apartment typically includes a small refrigerator, a microwave, and a compact cooking area, often with a two-burner stove or hot plate, but rarely a full oven.
How can you make an efficiency apartment look bigger?
To make your efficiency apartment look bigger, start by visualizing the space. Use light-colored paint and hang curtains to make the room appear taller. Divide the area into sections with furniture placement and hang mirrors to create the illusion of more space. Utilize natural light and hidden storage options like under-the-bed storage. Vertical stripes on walls can also make the room feel taller.
How can you cook in an efficiency apartment?
In an efficiency apartment, cook using compact appliances like a toaster oven or Instant Pot. Utilize a two-burner hot plate or portable cooktop, and maximize counter space with foldable or wall-mounted surfaces. Use vertical storage solutions for kitchen essentials, plan simple one-pot meals, and consider meal prepping to save time and space.
What is the best way to handle cooking smells in an efficiency apartment?
To handle cooking smells in an efficiency apartment, open windows for ventilation, and consider using air purifiers or scented candles.
Can two people comfortably live in an efficiency apartment?
While two people can live in an efficiency apartment, it can be challenging due to limited space; it’s best suited for individuals or couples who don’t require much room or privacy.
What storage solutions work best in an efficiency apartment?
The best storage solutions for an efficiency apartment include vertical storage like shelves, under-bed storage containers, and multifunctional furniture with built-in storage options.
Are pets allowed in efficiency apartments?
Pets may be allowed in efficiency apartments, but this depends on the specific rental policies of the building or landlord; always check pet policies before renting.
Are efficiency apartments available in furnished options?
Yes, some efficiency apartments come furnished, providing essential furniture like a bed, table, and seating, which can be a convenient option for renters.
How do you soundproof an efficiency apartment?
To soundproof an efficiency apartment, consider the apartment’s location within the building, use heavy curtains or rugs to dampen noise, install weather stripping on doors and windows, and add soundproof panels or foam to walls.
Holland America Line’s current fleet includes 11 ships, which are mostly midsize. They visit all seven continents, with stops in the Caribbean, Tahiti, the Mediterranean, Antarctica and more. Its Alaska presence is especially strong, and Holland America claims it has visited Glacier Bay National Park more than any other cruise operator.
Holland America’s parent company is Carnival Cruise Line, which acquired Holland America in 1989. But while Carnival touts offerings like the “first roller coaster at sea” on its flagship brand, Holland America is for folks with — let’s call it — more refined tastes.
Here’s your guide to Holland America, including amenities, costs and how you might save money on your next sailing.
Is a Holland America cruise right for you?
Many ships feature a library. (Photo by Sally French)
Here are some types of people best suited for Holland America:
Travelers ready for relaxation rather than partying
Though open to travelers of any age (infants must be at least six months old to embark on most cruises), Holland America caters to the mature set.
Unlike Disney Cruises or Royal Caribbean ships, which are laden with waterslides, flashy designs and high-energy shows, Holland America is more subdued. Its most lively entertainment includes a casino, trivia nights and live music. Children or adult travelers seeking maximum stimulation might be less enthused.
But relaxed cruisers seeking peace might find it here.
Cruisers who prefer a ship that’s not too big yet not too small
The salon. (Photo by Sally French)
Every Holland America ship has a gym, portrait studio, sports courts, a spa, salon and multiple pools. On a short three-night cruise, you could eat three meals a day at a different restaurant and never hit them all. The largest ship has 10 restaurants, not including snack spots like the café and gelato shop.
Still, Holland America ships are relatively small. While Royal Caribbean’s behemoth Icon of the Seas ship has more than two dozen restaurants and a capacity for 5,610 guests, Holland America’s largest ship, Rotterdam, accommodates 2,668 guests.
Holland America destinations
Holland America covers almost 100 countries or territories and more than 470 ports, including stops in the Amazon and Antarctica.
For its 2025-26 cruise season, Holland America will operate in 11 countries in Asia alone. The primary focus is Japan, where it will dock in 24 ports around the country.
Mexico and Panama Canal cruises are also big. The 2025-26 cruise season adds a new stop at the port of Acajutla, El Salvador, on most Panama sailings. Meanwhile, two ships will offer Mexico itineraries with stops including Cabo San Lucas and Puerto Vallarta.
(Photo courtesy of Holland America)
The 2025-26 season brings an iconic Pacific Northwest itinerary that hasn’t been offered in decades. Dubbed the “Great Bear Rainforest,” the seven-day itinerary departs from Seattle and includes stops in Ketchikan, Alaska. Expect to see whales, eagles and potentially bears.
Holland America ships
Here’s a breakdown of all 11 Holland America ships, sorted by largest to smallest guest capacity:
Staterooms
Suites feature whirlpool bathtubs. (Photo by Sally French)
The smallest, two-guest rooms are about 143 square feet, though suites are easily double that. The smallest suite, the Vista Suite, ranges from 260-356 square feet. For maximum space (and service), book the Pinnacle Suite, which fills roughly 1,290 square feet. High-end suites include frills like whirlpool bathtubs, vanities, dressing rooms, decks and floor-to-ceiling windows.
Holland America also caters to solo travelers by offering single-person staterooms that are as small as 127 square feet.
Whether you choose a lavish suite or an inside stateroom, expect fairly upscale accommodations.
Holland America food
Larger ships have a dozen or more eateries. Some restaurants operate on every ship, such as Canaletto (a casual Italian restaurant) and Lido Market (which serves meals in an all-you-can-eat, cafeteria-style setting).
All you can eat
Meals at The Dining Room are included with your cruise fare — a rare exception for fine dining restaurants on Holland America. (Photo by Sally French)
Most casual restaurants are complimentary and all-you-can-eat, included in your cruise fare.
While most restaurants cost extra, the exception is The Dining Room. Its multicourse dinners feature rotating, elevated menu items (such as lamb loin). As part of a partnership with Masaharu Morimoto, The Dining Room serves dishes similar to those in Morimoto’s restaurants.
No matter your cabin class, 24-hour room service is complimentary, delivering items such as salads and sandwiches.
With beverages, the free stuff is generally limited to the basics like water, tea and coffee. Sodas, specialty coffees, mocktails and alcohol cost extra.
What food costs extra?
Aside from The Dining Room, waiter-service restaurants cost extra. Some operate an à la carte model, such as Nami Sushi. There, entrees cost about $15, while sushi rolls run about $5 each.
Others charge fixed prices. For example, dinner at Pinnacle Grill, a steakhouse, costs an additional $46 per person. Certain items also have an additional charge (caviar costs an extra $50).
Though the additional charges might be annoying, they can be considered a deal relative to dining at a steakhouse on land.
In addition to fancy restaurants, some casual dining options (including the cafés and gelato shop) incur an extra fee.
🤓Nerdy Tip
For free ice cream, head to Lido Market, where you can DIY dessert at the ice cream station.
Holland America drink packages
On Holland America, you’ll need to purchase a drink package to sip from these soda machines. (Photo by Sally French)
For beverages beyond the basics, buy them individually or through a drink package.
The soda-only package entails unlimited fountain drinks for $8 per person, per day.
The Quench package costs $17.95 per person, per day and includes sodas, premium coffee (like lattes), juice, mocktails and bottled water. It’s technically not unlimited, but there’s plenty to go around with a 15-drink daily limit.
For packages with alcohol, you’ll owe at least $55 per person, per day (premium spirits cost more). Again, there’s a 15-drink daily cap.
Is the food any good?
Food quality varies. Lido Market is your run-of-the-mill buffet but other restaurants are generally excellent (just note the surcharge).
For example, dinner at Canaletto costs $25 extra per person and includes pasta and gelato — both made fresh on board.
Holland America also has some food options from famous chefs. The first Morimoto By Sea opened aboard the Nieuw Amsterdam, bringing the award-winning restaurant chain to sea.
A spread of items served at a Morimoto pop-up restaurant on the Koningsdam. (Photo by Sally French)
Holland America activities
The art gallery on the Koningsdam. (Photo by Sally French)
Holland America activities are pretty tame, such as live music and wine tasting.
A music venue. (Photo by Sally French)
Every ship features World Stage, a theater hosting entertainment like expert lecturer talks and dance performances. Ships also have at least one lounge or club, such as Rolling Stone Rock Room or B.B. King’s Blues Club.
A shuffleboard court on the Koningsdam. (Photo by Sally French)
Every ship has a casino, spa, fitness center and outdoor sport courts, including pickleball courts. After all, Holland America is the exclusive cruise line partner of the Professional Pickleball Association.
Holland America Kids Club
Most cruises offer a kids club with crafts, video games and scavenger hunts.
Kid-friendly offerings are extremely limited (especially compared with competitors like Royal Caribbean and Disney Cruise Line) so don’t expect many kids onboard. Many cruisers consider the lack of kids one of Holland America’s best features.
Which Holland America ship is best?
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Because amenities are so similar on every ship, it’s hard to pick one best ship. But here are some factors to consider:
If you want the most options: Rotterdam is the largest (and has the most restaurants).
If you want the newest ship: The Rotterdam is also the newest ship, which first set sail in 2021. Newer ships often (though not always) mean better layouts and up-to-date fixtures.
If you prioritize smaller ships: Volendam and Zaandam are the smallest.
If you want to live on a ship: Two ships, Volendam and Zuiderdam, carry out the Grand Voyages and World Cruises, which sail around the world for months. Zuiderdam is slightly larger than Volendam — offering more guest rooms and entertainment venues.
The Crow’s Nest offers a lounge for relaxing and panoramic views. (Photo by Sally French)
Holland America: How much does it cost?
According to a NerdWallet analysis of more than 100 Holland America cruise itineraries through 2024, the average seven-night, inside stateroom starts at $646 per person. That figure assumes double occupancy (so a couple sharing a room would owe about $1,300), but doesn’t account for extra fees, including taxes and gratuities, or optional add-ons like beverages or Wi-Fi.
Suites can easily cost double that (or far more). For example, the average Vista Suite (the lowest class of suites), averaged $1,322 per person for a seven-night trip. The fanciest of the suites, the Neptune Suite, averaged $2,766 per person.
An inside stateroom on the Koningsdam. (Photo by Sally French)
Prices can also vary widely by region. Here were the average prices per person for seven-night journeys (assuming inside staterooms with double occupancy), broken down by major regions:
California coast: $349.
Alaska: $413.
Caribbean: $609.
Mediterranean: $909.
Northern Europe: $972.
Other costs
The dessert spread at the Morimoto pop-up restaurant on the Koningsdam. (Photo by Sally French)
That’s the base fare, but anticipate other expenses, including:
Taxes, fees and port expenses: Holland America passes on fees and taxes imposed by governments or port operators. Expect a few hundred dollars added to your base rate.
Gratuity/tip: An automatic $17 ‘Crew Appreciation’ charge is added per stateroom guest, per day. For guests in suites, it’s $19. Though automatically added, you can adjust the figure upon settling your bill at checkout.
Service charge: Add-ons like beverages, speciality meals and spa services incur an 18% service charge.
Ability to choose your stateroom: For those who want to sleep closest to the best deck on a cruise ship, there’s an additional fee to select your specific stateroom, though prices vary by cruise.
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Some activities: Certain activities incur extra costs, such as spa treatments.
Shore excursions: Upon docking, you’re free to exit the ship and roam around on your own, but Holland America sells curated shore excursions, too, that easily cost more than $100 per person. Prices vary by excursion. In Maui, you can tour a pineapple plantation for $190, while a behind-the-scenes tour of the Maui Ocean Center costs $560. Although you can book excursions through third parties, beware. Benefits of booking through Holland America include early departure and a guaranteed return.
Wi-Fi: Wi-Fi starts at roughly $22 per day depending on cruise length. More robust Wi-Fi (such as streaming capabilities) costs more than $30 per day.
Specialty dining and drinks: Specialty restaurants — as well as most beverages beyond basics such as coffee, tea and water — cost extra.
Is the Have It All premium cruise package worth it?
For the latter three items — shore excursions, Wi-Fi, speciality dining and drinks — the Have It All premium cruise package may be worth it.
Packages vary depending on the cruise length. Here’s what’s included:
NerdWallet analyzed dozens of Holland America cruise fares. On average, here’s how much money you would save, depending on the cruise length:
In every data point in NerdWallet’s analysis, the Have It All package ended up cheaper than buying all of those things a la carte. But consider what you really need. If you only drink one alcoholic beverage per day, the $55 beverage package probably isn’t worth it.
How to save on a Holland America cruise
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Cruise last-minute: The Last Minute Cruise Deals page lists discounted sailings within the next 60-90 days. However, don’t overlook other costs such as potentially-expensive, last-minute airfare.
Scout out promotions: Holland America’s general deals page is the spot for Black Friday cruise deals or other seasonal promotions.
Refer a friend: Holland America regularly runs a referral program where you might get a cruise credit if your friend enters your name in the referral form.
Become an AARP member: AARP members can earn up to $200 in stateroom credits. Actual amounts depend on room type and cruise length. Considering AARP membership costs $16 annually (and potentially less if you commit to more than one year), joining pays for itself based on the cruise credit alone.
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Should you purchase travel insurance for a Holland America cruise?
Holland America sells a cancellation protection plan, which allows you to cancel your cruise for any reason. It’s called the Holland America Line Cancellation Protection Plan (CPP). Unlike traditional insurance plans that require proof (e.g., a doctor’s note confirming illness) or have tons of fine print around reasons the insurer doesn’t have to pay out, CPP is convenient because it lets you cancel for truly any reason.
Plans start at $79, but can run higher depending on coverage and trip length.
The cheapest plan, Standard, requires you cancel at least 24 hours before departure. The Platinum Plan lets you cancel any time up to departure. Neither gets you a full refund though. The Standard Plan refunds up to 80% of your total cost, and Platinum refunds up to 90%.
The Platinum Plan also covers potential costs such as emergency medical and dental care, coverage for lost or delayed bags and trip delay insurance.
Is the Holland America credit card worth it?
The Holland America Line Rewards Visa® Card has a $0 annual fee, so it’s hard to knock it. It earns 2 points per $1 spent on Holland America purchases and 1 point per $1 spent everywhere else. There are also no foreign transaction fees.
Top travel cards
Chase Sapphire Reserve®
on Chase’s website
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Bank of America® Premium Rewards® credit card
on Bank of America’s website
Citi Strata Premier℠ Card
Annual fee
Rewards earn rate
• 10 points per $1 on Chase Dining, hotel stays and car rentals purchased through Chase.
• 5 points per $1 on air travel purchased through Chase.
• 3 points per $1 on other travel and dining not booked with Chase.
• 1 point per $1 on other purchases.
• 5 points per $1 on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
• 3 points per $1 on eligible travel purchases and mobile wallet spending on Apple Pay, Google Pay and Samsung Pay.
• 1 point per $1 on all other purchases.
• 1.5 points per $1 spent.
• 10 ThankYou® points per $1 spent on hotels, car rentals and attractions booked through the Citi Travel site.
• 3 points per $1 on air travel and other hotel purchases.
• 3 points per $1 on supermarkets.
• 3 points per $1 on gas stations and EV charging stations.
• 3 points per $1 on restaurants.
• 1 point per $1 on all other purchases.
Travel credit benefit
$325 annual credit.
$100 in airline incidental statement credits.
This card does not offer a travel credit benefit.
Still not sure?
Is cruising with Holland America worth it?
The casino. (Photo by Sally French)
Holland America offers a traditional and elegant cruise experience. The emphasis on high-quality dining makes it good for foodies — just note that the best restaurants cost extra. Crowds are mature, which is a pro or a con depending on the level of entertainment, nightlife and energy you seek.
Families or people seeking high stimulation and constant entertainment should skip it. Additionally, budget travelers might find the additional charges aggravating (though additional charges are common across pretty much any cruise line).
In short, cruisers who value sophisticated service, delicious food, and exploration may love Holland America.
Looking for second job ideas to increase your income? You’re not alone. Many people look for side gigs to help pay bills, save for big purchases, or simply have extra spending money. Finding the right second job and making extra income can make a big difference in your financial life. With so many options available,…
Looking for second job ideas to increase your income? You’re not alone. Many people look for side gigs to help pay bills, save for big purchases, or simply have extra spending money.
Finding the right second job and making extra income can make a big difference in your financial life. With so many options available, there’s likely something that fits your skills and schedule. Whether you want a job you can do from home or one that gets you out and about, there’s a side job out there for you.
For me, I was able to find a second job and it completely changed my life. In fact, it’s how I paid off my $40,000 in student loans in just 7 months. Making extra money also helped me to stop living paycheck to paycheck and to save more money!
Best Second Job Ideas
Below are the best second job ideas:
1. Blogger
Blogging used to be my side hustle and it is now my full-time job where I have earned over $5,000,000 over the years.
I started Making Sense of Cents just as a hobby, and it eventually turned into my second job. I didn’t know that blogs could make money or that it could become my full-time job. I didn’t even understand what a blog was or how it worked.
Starting a blog can be a great way to earn extra income. You can write about topics you are passionate about, such as travel, food, or personal finance. The best part is that you have the freedom to work on your blog whenever you have free time.
For me, it was a great second job because I could work on my blog before I went to my day job, during my lunch break, after I got home from work, and on the weekends. You get to make your own schedule, so that is a huge plus!
You can learn more about how to begin in my free How To Start a Blog Course here.
Here’s a quick outline of what you will learn:
Day 1: Reasons you should start a blog
Day 2: How to choose what to blog about
Day 3: How to create your blog (you’ll learn how to start a blog on WordPress)
Day 4: How to make money blogging
Day 5: My tips for making passive income from blogging
Day 6: How to grow your traffic and followers
Day 7: Extra blogging tips to help you be successful
2. Proofreader
Being a proofreader is a great second job idea. It’s perfect if you love reading and have a good eye for catching mistakes. You get to find errors in spelling, grammar, and punctuation.
You can work from home as a proofreader. Many companies and websites offer remote proofreading jobs. Some popular platforms include Upwork, FlexJobs, and Scribendi.
You might proofread books, articles, or even student papers. The work can be flexible, letting you choose when to work. This makes it easy to fit into a busy schedule.
Proofreaders can earn a decent amount of money. Some jobs pay by the hour, while others pay by the project. According to some sources, full-time proofreaders can make around $50,000 per year. Even if you don’t work full-time, you can still make a good side income.
I personally have a proofreader for my blog, and I know many others who have proofreaders for their businesses as well. It’s a very much-needed and in-demand job.
You can learn more at How To Start A Proofreading Business And Make $4,000+ Monthly.
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
3. Take online surveys
Taking online surveys can be a simple way to earn extra money in your spare time. Companies want to know what you think about their products, services, or marketing campaigns.
Many websites offer paid surveys. You can sign up for these sites and start taking surveys right away. Each survey usually takes a few minutes to complete.
You might earn anywhere from $0.50 to $5 per survey, depending on the length and complexity.
The survey companies I recommend signing up for include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
Pinecone Research
Online surveys can be done from anywhere with an internet connection, making it easy to fit around your other commitments. Just remember, while this can add up over time, you will not make a full-time income from just taking surveys.
I have taken many, many surveys over the years, and what I like about them is that you can do them on your own schedule – in the mornings, during your lunch break, before you go to bed – whenever. There is no strict schedule and they are super easy to do.
4. Dog walker or pet sitter
Becoming a dog walker or pet sitter is a great way to make extra money. You can set your own schedule and enjoy spending time with furry friends. Plus, many people need reliable pet care (I have personally found it hard to find a good dog sitter in the past, so I personally know that there is a lot of demand for this second job!), so there are plenty of opportunities.
Using dog walking apps like Rover, you can easily find clients. These platforms connect you with pet owners in your area. Depending on how much time you invest, you could potentially earn between $400 and $1,000 a month.
When I have had dog sitters in the past, I was paying around $100 a day for my two dogs to be watched in the person’s home. So, a 10-day trip earned the person $1,000.
Taking care of animals can also be very rewarding. You get to exercise while walking dogs and enjoy the company of pets. It’s a job that keeps you active and can be a lot of fun if you love animals.
No special skills are needed, but being responsible and loving pets is important. You must be punctual and trustworthy since pet owners rely on you to take care of their animals.
My mother-in-law as well as my sister are both dog walkers and pet sitters and enjoy what they do.
5. Virtual assistant
Being a virtual assistant is a great second job idea. You can help businesses and professionals with tasks like managing emails, scheduling appointments, and handling social media. This role tends to have flexible hours, making it easier to fit into your schedule.
One of my first side jobs was working as a virtual assistant. It was a fun and flexible way to earn extra money. There are many kinds of virtual assistant jobs. The money I made helped me pay off my student loans quickly, stop living paycheck to paycheck, and become my own boss. I think it’s a great way to make money, whether you want a part-time or full-time job.
Starting as a virtual assistant can be easy. Websites like Upwork, FlexJobs, and Indeed have listings for virtual assistant jobs. You just have to set up a profile and start applying. For me, I also let my friends and those in my industry know that I was growing my virtual assistant business, and that helped me find jobs as well.
A virtual assistant’s tasks can include:
Managing social media accounts
Scheduling travel and appointments
Managing email inboxes
Organizing events
Communicating with clients
Ordering supplies
Managing calendars
Handling logistics
Coordinating Zoom calls
Moderating online forums
Running personal errands
Answering customer service questions
Performing data entry
Managing websites
Creating presentations
Sending invoices
Now, one virtual assistant most likely won’t do all of these tasks – it simply depends on what the company or person is looking for.
Learn more at Best Ways To Find Virtual Assistant Jobs.
6. Graphic designer
You can make extra money as a graphic designer, and this can be a good second job idea if you want to work from home. A graphic designer is what you think – they design different kinds of graphics.
One way is to create design templates. These can be for websites, social media, or even printable designs. You can sell these templates online and get paid each time someone buys them.
Another option is freelance work. You can sell services like logo design, branding, or social media graphics, and you can find clients on sites like Upwork or Fiverr.
7. Social media manager
Social media managers handle different social media platforms for businesses.
Your job can include creating content, posting updates, and responding to followers. You might also need to analyze data to see what posts are doing well and which ones are not.
They work for one company or multiple clients. It’s important to have good communication skills and a creative mindset. Some social media managers also do graphic design or video editing for their social media posts.
Being a social media manager can be fun and flexible. You can usually work from home and set your own hours. This control and flexibility make it an excellent job for people looking to earn extra income on their own terms.
For me, I have been a social media manager in the past as a second job. It was great as a flexible side hustle!
8. Online tutor
If you enjoy teaching and have a strong understanding of a subject, you can try finding online tutoring jobs. Online tutoring lets you share your skills and help students from anywhere, and you can tutor kids in math, science, and reading, or even help them prepare for tests like the SAT or ACT.
Platforms like Wyzant and Tutor.com connect you with students looking for help. You create a profile, list your skills, and set your rates. Most tutors charge between $30 and $60 per hour. Teaching English as a second language is also a popular option. Many companies need English tutors to teach students abroad.
Online tutoring is flexible because you can choose your own hours and work from home. This makes it easy to fit around your teaching job or other responsibilities. Some tutors even make up to $1000 a week by dedicating just a few hours each day.
9. Bookkeeper
Becoming a bookkeeper is a great second job, and it can typically be done from home.
Bookkeepers keep track of financial records for businesses. This could include recording transactions, managing payroll, and preparing financial reports.
You don’t need a special certification to become a bookkeeper, making it easier to start.
The best part is that you can do this job from anywhere with just a laptop and some software. This flexibility means you can work from home or even when you’re traveling.
Since bookkeeping services are always in demand, you can find clients easily. This can be a very profitable side hustle. Some bookkeepers even charge $60 an hour or more.
Learn more at How To Find Online Bookkeeping Jobs.
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
10. Freelance writer
Working as a freelance writer is a great way to make extra money.
Freelance writers are self-employed and work for magazines, blogs, websites, companies, and more. A lot of what you read online today is written by a freelance writer.
I have been a freelance writer for many years, and I really enjoy it. I have written for many different websites and companies, and I make good money doing so.
You can write from home, at your own pace, and choose projects that interest you. Many companies need blog posts, articles, web content, and social media posts.
11. Photography
Getting paid to take pictures is a popular second job idea.
What’s great is that there are many ways to get paid for photography, such as:
Stock photos – Stock image websites are popular places for photographers to sell their pictures. These sites let customers buy royalty-free photos for personal or business use. Websites, TV shows, books, social media accounts, and more use stock photos all the time. Some popular stock photo websites are Shutterstock, iStock by Getty Images, Adobe Stock, and Dreamstime.
Portraits and event photos – As a photographer, you can focus on taking portraits and event photos. This area is in high demand, especially for weddings, elopements, birthdays, and corporate events.
Post pictures on Instagram or Facebook – Social media platforms like Instagram are great for sharing your pictures and gaining followers. Many people make a full-time income from their Instagram accounts. They do this through sponsored partnerships with companies, affiliate marketing, and selling their own products.
12. Personal trainer
Becoming a personal trainer is a great second job idea. You can help people get in shape while earning extra money.
You can work at a gym or do private sessions at clients’ homes. Some trainers also provide online coaching, which gives you more flexibility.
Personal trainers sometimes create workout plans tailored to each client’s needs. They might also give advice on nutrition, and this way, they can help clients with both exercise and diet for better results.
Personal training can be done part-time, which makes it a good fit if you have another job. Many people want training in the mornings, evenings, or weekends.
13. Etsy seller
Starting an Etsy shop can be a fun and rewarding second job. If you enjoy crafting or creating handmade items, this might be perfect for you. Etsy is a popular online marketplace where you can sell unique products.
There are many things you can sell on Etsy, such as:
Etsy can be a great way to turn your hobbies into extra income.
You can learn more at How To Sell On Etsy Successfully: A Beginner’s Guide.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
14. Babysitter
Babysitting is a great way to earn extra money. You can choose your own hours, making it easy to fit it around your main job or school.
Parents always need trustworthy people to watch their kids, and they might need help for an evening out or during the day if they work long hours.
As a babysitter, you can earn around $15 to $25+ per hour, depending on your experience and location. Some families might even pay more if you have special skills, like CPR training or if you are watching multiple children.
You can find babysitting jobs through local community boards, babysitting apps, or word of mouth. Sometimes, friends or family might also need help.
15. Delivery driver
A delivery driver job is one of the most popular side hustle ideas. You don’t need a lot of experience to get started, and all you need is a vehicle and a driver’s license. Many services, like DoorDash, Uber Eats, and Instacart, let you choose your own hours. This flexibility is perfect if you have a busy schedule.
You can deliver different items depending on the service you work for. Some companies focus on food delivery, while others may deliver groceries or packages.
The pay can vary based on where you live and how much you work. Some drivers make around $15 to $25 per hour including tips.
16. Bartender
Bartending is a flexible and fun second job. You can work at bars, restaurants, or special events like weddings.
Some bartender jobs don’t require a lot of experience. You usually have to start as a barback, helping with stocking and cleaning, then learn to make drinks. Then, you may be able to move up and find a part-time job as a bartender.
17. Transcriptionist
Being a transcriptionist can be a great second job. Transcriptionists listen to audio recordings and type out what they hear. It’s a simple job and doesn’t require a lot of training.
You can do this job from home and all you need is a computer and good internet. This makes it a flexible option where you can work on transcriptions during your free time or on weekends.
There are usually some requirements. Many places want you to type fast and accurately. For others, you might need to pass a background check or transcription tests.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
18. Rent your extra space
Do you have an extra room, basement, or garage? Renting out your extra space can be a great way to earn some extra cash each month passively.
You can list your spare room on websites like Airbnb or Vrbo if it’s a room or apartment.
If you have a garage or storage space, you can rent it out for storage. Websites like Neighbor allow people to find storage options nearby.
Before you start, check local laws and regulations. Some areas have rules about renting out space, so it’s important to be informed.
19. Handyperson
Being a handyperson can be a great way to make extra money. You can help people fix things around their homes, such as fixing leaky faucets, repairing doors, or assembling furniture.
You don’t need fancy tools for many jobs, just a good set of basic tools.
Many people need small repairs done but don’t have the skills or time. That’s where you come in. You can find clients through local ads, word of mouth, or online platforms like Taskrabbit.
Working as a handyperson has flexibility too and you can choose jobs that fit your schedule.
20. Rideshare driver
Apps like Uber and Lyft allow you to drive people around and get paid for it.
One of the best parts about driving for rideshare apps is the flexibility. You can set your own hours and work whenever you want.
Most rideshare companies have an easy sign-up process. They usually require a background check, a valid driver’s license, and a car that meets their standards. Once approved, you can start accepting rides and earning money.
The earnings vary depending on your location, the time of day, and how many hours you drive. Some drivers make a nice side income by working during peak hours when rates are higher.
21. Restaurant server
Being a restaurant server can be a great way to earn extra money and is popular for evening second jobs. Many restaurants have flexible hours, which is perfect if you need to juggle another job or school.
Servers often get tips, so your income can vary day to day. Some nights are busier and can bring in more money.
22. Clean houses
Cleaning houses is a good way to earn extra money with a second job. You can work on the weekends or after your regular job.
Plus, you can choose your clients and set your own hours.
To get started, all you need are basic cleaning supplies. You can sell your services to friends and family first. Word-of-mouth is powerful, and you might get more clients through recommendations.
23. Write book reviews
If you enjoy reading and sharing your thoughts about books, you can earn money by writing book reviews. Authors and publishers value your honest opinions because they help other readers decide what to read next. Readers also enjoy reading these reviews, making it helpful for everyone involved.
Here are some websites where you can earn money by writing book reviews:
OnlineBookClub.org – They provide free books at first. After your first review, you can earn cash for each review you write, typically between $5 and $60.
Kirkus Media – They look for reviewers for both English and Spanish books, especially for the Kirkus Indie section. Reviews are around 350 words and due two weeks after the book assignment. They cover all genres, with over 10,000 books reviewed annually.
Upwork – Create a profile and set yourself up as a book reviewer. This freelance platform allows you to set your own rates, with book reviewing rates ranging from $15 to $75 per hour.
The US Review of Books – They hire freelance writers for 250- to 300-word reviews that go beyond summary to provide insights into the book. Applicants need to submit a resume, writing samples, and references.
Reedsy Discovery – Review books before they are published and earn through tips from readers, typically ranging from $1 to $5 per review. It’s a way to influence which books gain popularity early on.
Other opportunities – Websites like Booklist (pays $15 per review, focused on short reviews for libraries), BookBrowse, Women’s Review of Books, and Publishers Weekly also pay for book reviews and are actively looking for new reviewers.
You can learn more at 16 Best Ways To Get Paid To Read Books.
24. Mow lawns
Mowing lawns can be a great second job. It’s simple, flexible, and very profitable.
You can start with not a lot of money too. For example, if you already have a lawn mower, you’re ready to go, and you can start by seeing if anyone in your neighborhood needs their lawn mowed.
Pricing your services depends on the size of the lawn and the complexity of the job. Some lawns might be easy and quick, others might take more time. Many people charge between $40 and $50+ per lawn.
Frequently Asked Questions
When looking for second job ideas, it’s important to find something that fits your schedule and goals. Here are answers to some common questions about picking the best side gig and managing two jobs.
What is the best 2nd job to have?
The best second job depends on your interests and skills. Some popular side hustle ideas include blogging, proofreading, taking online surveys, dog walking or pet sitting, and being a virtual assistant. These jobs have flexibility and can often be done from home.
What are some good jobs I can do at night after my day job?
Jobs you can do at night include customer service representative, security guard, bartender, or freelance work like writing and graphic design. These jobs usually have evening shifts or can be done remotely, fitting in well with a daytime schedule.
What are some good second jobs at night from home?
If you want to learn how to make extra income while working full-time, then my favorite way is to find good second jobs that you can work at night from home. This way, you don’t have a commute and it won’t interfere with your day job. Some good evening jobs from home include blogging, taking surveys, proofreading, bookkeeping, writing book reviews, and transcribing.
How can I make an extra $1000 a month?
To make an extra $1000 a month, you may want to try freelance writing, virtual assistant work, or becoming a part-time tutor. These jobs can pay well and offer flexible hours, allowing you to work around your primary job.
How can I make an extra $2000 a month?
Earning an extra $2000 a month may require a higher-paying side gig. Options include freelance web development, consulting, or starting a small business like dropshipping. These jobs can have higher earnings but may require more specialized skills or time investment.
How to get a second job with a 9-5?
You can get a second job with a nine-to-five by looking for evening or weekend positions and looking for jobs with flexible hours such as bartending, retail cashier, or working as a rideshare driver. Online jobs like tutoring or freelancing can also have nice flexibility to work after your main job.
What is the highest paying side hustle?
The highest-paying side hustles can include freelancing in tech fields like software development, graphic design, or consulting. Real estate investment, if you have the money to start investing, can also be very high paying.
Do you get taxed more if you have two jobs?
Having two jobs can put you in a higher tax bracket, meaning you might pay more in taxes. It’s important to understand how this affects your overall earnings. I recommend talking with a tax professional to talk about your tax situation and to make sure that you aren’t overpaying (or underpaying!).
How will my employer know if I have a second job?
Your employer may know if you have a second job if it affects your primary job performance or if you disclose it. Some employers also run social media checks to see if they can learn anything about you that may hurt their business. You may want to check your employment contract if you are worried, as some employers may have clauses about working multiple jobs.
Is having two jobs worth it?
Having two jobs can be worth it if you need extra income for savings, paying off debt, or reaching financial goals. It requires good time management and can be tiring, but many find the financial benefits to be rewarding. For me, I found having more than one job well worth it because it allowed me to pay off my student loan debt quickly, save more money, and pursue my passions.
Second Job Ideas – Summary
I hope you enjoyed this article on the best second job ideas.
As you can see, there are many popular second job ideas that may interest you. From online jobs like blogging, proofreading, and bookkeeping to in-person jobs like personal training, delivery, restaurant jobs, and more, there are many ways to make extra money so that you can reach your goals.
If you need a second job while working full-time, you are not alone. Many people are in your shoes. I recommend finding something that best fits your schedule and is at least somewhat flexible so that you aren’t making yourself too tired.
For me, I have had many side jobs. One thing that has always helped me is to make sure that it would fit with my day job and be flexible – because my day job did come first. Plus, I didn’t want to waste more time than I would need to by commuting back and forth or doing things that weren’t needed.
A budget is an important tool to help you balance your income and your spending, keep your savings on track, and help you avoid debt. But like many good things, it sometimes goes off the rails. A person might start a budget with the best of intentions but then find it hard to stick to it. Or they might encounter an emergency expense and have a hard time getting back in the groove.
Learn what the common pitfalls are and how to avoid common budgeting mistakes to help your financial life thrive.
10 Budgeting Mistakes to Avoid
Here are 10 of the most common budget mistakes people make. Get familiar with them as a way to steer clear of them.
1. Not Having a Budget
Some people make the budget error of…not having a budget at all. Maybe it seems too hard, too time-consuming, or too boring; you’d rather be watching a hot new streaming series or playing with your dog.
Nevertheless, if you don’t create and follow a budget, you’re missing out on major benefits:
• You may not save enough in your bank account for your future
• You may feel stressed about reaching your long-term goals
• You might spend beyond your means, which could land you in debt and strain on your financial resources.
Recommended: Common Financial Mistakes First-Time Parents Make
2. Not Tracking Spending
Tracking your spending can be one of the more tedious tasks required for budgeting, but it’s also an incredible, truth-revealing tool. How else would you know when you are above or below your limits? You risk blowing past your limit by overspending in some categories, meaning you’ll have less (or none) for other categories. For example, overspend on eating out, and you might have less to put toward your retirement savings. Fortunately, there are an array of expense-tracking apps (many are free) that can help simplify this process.
3. Not Having Emergency Savings
The general recommendation is to save three to six months’ worth of expenses in a dedicated emergency fund. This is money you can draw on in case of emergency medical expenses and car repairs, for instance. It also provides a cash cushion should you lose your job, giving you time to get back on your feet without going into debt.
Not having an emergency fund can torpedo your budget, requiring you to draw money from other categories to cover unexpected expenses, or requiring you to take on debt.
If you don’t have a rainy day fund yet, it may be wise to set up automatic deductions monthly. Even as little as $25 can begin building a buffer. Keep your emergency cash in a separate savings account so you aren’t tempted to touch it. And if you need to dip into the account, be sure to budget additional savings until you are able to replenish it.
4. Not Considering Cheaper Alternatives
Budgeting doesn’t necessarily mean giving things up. Sometimes it can mean looking for cheaper alternatives. For example, you could swap out a pricey gym membership for one at a more budget-friendly place instead. Instead of renewing the same car insurance you’ve always had, you could shop around online for a better deal. You might even call your credit card issuer to request a lower interest rate or try to negotiate a medical bill. All of these options can free up cash in your budget that can go toward meeting other goals.
5. Thinking That You Can’t Have Fun While on a Budget
One of the reasons people don’t budget is it can feel like a real slog and a buzzkill. They assume that in order to budget successfully, they have to give up doing things they like. However, that’s not necessarily true. While a budget ensures that your necessary expenses are taken care of first, it can also provide discretionary funds that can be used however you want, from going to see a movie to booking a weekend getaway.
You may also consider making budgeting more fun by rewarding yourself when you meet certain goals. For example, you may want to treat yourself when you pay off a credit card. Just be sure you’ve already earmarked funds to pay for your reward.
6. Saving for Too Many Things Simultaneously
Another budgeting mistake involves trying to save for too many things at once. In this situation, it’s easy to stretch yourself thin. You might start to feel like you’re spinning your wheels and are unable to follow your budget.
A solution can be to narrow your focus. To prioritize your savings, first consider wants versus needs. For example, you may want to drill down on a single need, like building an emergency savings fund, rather than upgrading your mobile phone (which is a want, after all). Once your need is taken care of, then you can consider allocating funds for a want. Delaying gratification a bit can be a valuable tool when successfully managing your money.
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7. Not Adjusting Varying Expenses Every Month
Some expenses, like rent and utility bills, are relatively fixed. Others, like how much you spend on groceries can vary from month to month. If you don’t compensate for that fluctuation, you may be making a budget mistake.
If you notice you are suddenly spending more each month in a certain category, be sure to adjust your budget accordingly, or look for ways to cut back on spending in that category. To protect yourself in times of high inflation, it can be especially important to monitor this. Your food, gas, and heating expenses may well run high for a while.
8. Not Taking Into Account One-Time Expenses
One-time expenses can be real budget busters if you don’t plan for them ahead of time. Estimate the cost of the expense, and spread out your savings over a couple of months.
For example, if you plan to attend a wedding that will cost $800, you could start saving $200 a month four months in advance so you don’t end up footing the bill all at once. Or let’s say you know you’ll be needing a set of new tires soon; start stashing away cash in advance so you don’t get hit with a major bill that sends your budget spiraling. Another category many budgeters overlook is gifts; birthday and holiday presents can add up, so remember to set aside funds to afford them without a hiccup.
9. Having an Unrealistic Budget
It’s easy to be optimistic and have the best intentions when you create your budget, but make sure it’s something you can realistically stick to. Otherwise, you may have a budget mistake on your hands.
You may be overly optimistic, for instance, if you allocate 20% of your take-home pay toward one goal. If you oversave in one area, like for a downpayment on a home, for example, it may mean that you could incur credit card debt in order to buy necessities like groceries. Be honest with yourself about how much you spend and how much you can save.
10. Having the Wrong Budget Method for You
There is no one-size-fits all budgeting strategy. As we mentioned above, there are a number of different budgeting strategies you can use to help you build and stick to your budget. The best one is the one that works for you. Just because a budget strategy sounds good when you first learn about it or your best friend swears by it doesn’t mean it will work for you. It’s a budgeting error to cling to a system that isn’t working. If the technique you are using isn’t right for you, acknowledge that, and try something else.
The Takeaway
Now you know what is a common mistake made in budgeting; 10 of them, in fact. By avoiding these pitfalls, you give yourself a better chance of sticking to your budget, saving money in your bank account, and meeting your financial goals. What’s more, you’re far less likely to be derailed by debt, and interest payments that could eat into your ability to save and manage your money.
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FAQ
What are some pitfalls of budgeting?
Budgeting pitfalls that can derail your financial goals include failing to have a budget, not tracking your expenses, forgetting to account for varying monthly expenses, and not building up an emergency fund.
What is improper budgeting?
Improper budgeting can occur if your budget is incomplete, if it’s overly ambitious (not recognizing how much you actually spend, for instance), or if you don’t update it with new sources of income or expenses, you’re not budgeting correctly.
Why do people fail in budgeting?
A budget may fail for a variety of reasons, such as trying to achieve too ambitious a goal or too many goals at once; not tracking your expenses; and sticking with a budgeting strategy that doesn’t fit your needs. If the latter is the case, try multiple strategies to find the one that suits you best.
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Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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After you purchase a new home, there are many things to budget for, including moving costs, new furniture, and ongoing expenses such as your mortgage. Although it may seem like many of the significant expenditures are out of the way once you close on a property, there are additional costs that can add up.
To avoid financial surprises, it’s wise to jot down and budget for all of the extra expenses you will encounter when you move into your new place. To help you organize your finances, here are the things to budget for after buying a house.
Moving-Out Expenses to Budget for
Before you take up residence in your new home, you must move all of your things. Even if you pack and move all your belongings yourself, you’ll still have to spend on things like boxes, packing materials, and a truck. And if you use movers, it will cost you even more.
Recommended: The Ultimate Moving Checklist
Moving Your Belongings
There are three main options for moving your belongings:
• Renting a truck and doing it yourself. It’s more cost efficient than using professional movers, but DIY moving yourself still adds up. You’ll have to pay for the truck rental fee, gas, and damage protection. If you’re moving across the country, you may also have to factor in the costs of shipping some of your items. Even though you can enlist your friends and family to help you do the heavy lifting, the cost of moving yourself can still be significant, and it’s a lot of work.
• Hiring movers. If you decide to use professional movers, it’s wise to shop around to find the best price. Here’s why: For moves under 100 miles away, the national average cost of moving is $1,400, and it ranges from $800 to $2,500. If you’re moving long distance, the average cost can be as high as $2,200 to $5,700. To cut costs, you can do your own packing, which may save you money.
• Moving your things in a storage container. Another option is to use a hauling container — you load your things in it, and the container company moves it to your new location. This usually costs between $500 and $5,000, depending on the distance and how much stuff you’re moving. Long-distance moves will usually cost more than local ones.
Moving Supplies
If you decide to go the DIY moving route, you will need to buy boxes, bubble wrap, labels, and tape. And you likely have more items to wrap and box up than you think, which requires even more supplies.
Cleaning Supplies
You’ll probably want to clean your current property before you move out, and you’ll definitely want to clean the new place when you move in. That means buying mops, sponges, cleaning solutions, and paper towels. You may also want to get the carpets cleaned or hire a professional house cleaner if the place needs a deep cleaning.
10 Common Expenses After Buying a Home
Once the move is done, there are other expenses you’ll need to account for as you settle into your new abode. Here are a few things to budget for after buying a home.
Furniture and Appliances
You’ll likely bring some furniture and decor from your old place, but you’ll probably want to purchase some new things as well. For example, if the appliances are outdated, you might want to upgrade to new ones. And you may have more rooms to furnish, which requires additional furniture.
Consider opening a savings account for the new items you want to purchase. It can also help pay for any unexpected costs, such as having to replace a hot water heater that breaks.
Mortgage Payments
As a homeowner, every month you will making a mortgage payment that typically includes:
• The principal portion of the payment. This is the percentage of your mortgage that reduces your payment over the life of the loan. The more you pay toward principal, the less you will have to pay in interest.
• The interest. This is the amount you pay to borrow funds from the bank or lender to purchase your home.
If you are using an escrow account to pay your mortgage, other things may be included in your payment, such as your property taxes, insurance, and private mortgage insurance. This guide to reading your mortgage statement can help you understand all the costs involved in your mortgage payment.
Property Taxes
Property taxes are the taxes you pay on your home. In many cases, these taxes are the second most significant expense after your mortgage. Property taxes are based on the value of your home, which is typically governed by your state. The county you live in collects and calculates the sum due. Usually, property tax calculations are done every year, so the amount you owe may fluctuate annually.
Homeowners Insurance
Homeowners insurance helps protect your home from damage or destruction caused by events like a fire, wind storm, or vandalism. It can also protect you from lawsuits or property damages you are liable for. If someone slips and falls on your sidewalk, for instance, homeowners insurance will pay for the injured person’s medical bills and the legal costs if they decide to sue you.
The cost you pay for this coverage will vary by the type and amount of coverage you select.
Private Mortgage Insurance (PMI)
For borrowers who can’t afford a down payment that’s 20% of the mortgage value, lenders usually require private mortgage insurance (PMI). This type of coverage is designed to protect the lender if you default on your mortgage payments.
PMI can cost as much as a few hundred dollars per month, depending on the sum you borrow.
HOA Dues
This is a Homeowner’s Association fee, which goes toward the upkeep of property in a planned community, co-op, or condo. The amount can range from a couple of hundred dollars a year to more than $2,000, depending on the amenities you’re paying for (like a pool and landscaping). You typically pay HOA fees monthly, quarterly, or annually.
Utilities
Your utility payments include water, gas, electric, trash, and sewer fees. Some bills like water and electricity are based on the amount you use every month, so monitoring your electric and water usage, like taking short showers and turning lights off, can help lower your cost. Other payments, such as your trash or recycling, might be a fixed amount.
Lawn Care
Maintaining the curb appeal of your home requires landscape services and lawn care. If you choose to mow your own lawn, you may need to factor in the purchase of a mower, which can cost about $1,068 on average. If you hire a lawn service to cut your grass, you may pay $25 to $50 a week.
Pest Control
Pests, such as ants, ticks, rodents, or mice, can wreak havoc on your home and your family’s health. For these reasons, many homeowners hire a pest control company to prevent the infestation of pests around their homes. The company’s initial visit may cost between $150 to $300, then $45 to $75 for every follow-up.
Home Improvement Costs
As a homeowner, there are likely things you want to change about your house. From painting the walls to a complete kitchen renovation, transforming your property can add to the cost of owning a home. According to the HomeAdvisor 2023 State of Home Spending Report, homeowners spend an average of $9,542 on home improvement each year.
Additionally, as the features of your home age, you will need to replace and repair them accordingly.
Common Mistakes After Buying a Home
One of the most common mistakes people make when buying a home is spending more than they can afford. For instance, you may forget to factor in utilities, lawn care, HOA fees, costs of upkeep, and other hidden expenses that come with owning a home. It’s crucial to do your research to determine extra costs and add them up before you move forward with purchasing a property.
Another mistake new homeowners make is taking on too many DIY projects. TV shows can make home renovations look easy. However, many of these projects require professionals who know what they are doing. Attempting a home improvement project could cost you more to fix than hiring a pro in the first place. In fact, about 80% of homeowners that attempt their own renovation projects make mistakes — some of them serious.
Unless you can afford an expert, you may want to rethink purchasing a home that requires a lot of renovation.
The 50/30/20 Rule
For help planning your budget as a homeowner, you can use the 50/30/20 rule, which breaks your budget into three categories:
• 50% goes to to needs
• 30% goes to wants
• 20% goes to to savings
That means you’ll be budgeting 50% of your income to go toward necessities such as housing costs, grocery bills, and car payments. Then 30% will go toward things you want, such as entertainment (movies, concerts), vacations, new clothes, and dining out. The remaining 20% goes towards saving for the future or financial goals such as home improvement projects.
Using a 50/30/20 budget rule is simple and easy. It allows you to see where your money is going and helps you save.
Recommended: How to Track Home Improvement Costs
Lifestyle Tradeoffs in Order to Budget
With so many things to budget for after buying a home, you may need to cut back on spending. Start by looking at your discretionary spending and think about where you can trim back. For example, instead of eating out regularly, you can cook more meals at home. Or perhaps you can put your gym membership on hold and do at-home workouts for a while to stay in shape physically and financially.
Recommended: How to Budget in 5 Steps
The Takeaway
After you buy a house, there are many expenses you may not have accounted for, such as the cost of hiring movers; buying furniture; and getting your new place painted, cleaned, and ready to move into. Making a budget is vital to keep you on track financially, so you can enjoy your new home.
Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.
See exactly how your money comes and goes at a glance.
FAQ
How much money should you have leftover after buying a house?
After buying a home, the amount you have left will vary depending on your financial situation. However, it’s a good idea to have at least three to six months of living expenses in reserve. That way, in case of an emergency, you can stay afloat financially.
Is it worth putting more than 20% down?
Putting more than 20% down on your home can help lower your monthly mortgage payment and interest because you’ll be borrowing less money. It also gives you more equity in your home from the beginning. But make sure you can afford to pay more than 20% in order not to stretch beyond your budget.
What’s the 50-30-20 budget rule?
The 50/30/20 rule means that you budget 50% of your expenses for needs (housing, groceries, loan payments), 30% for wants (entertainment, eating out, shopping), and 20% toward savings goals (retirement, renovations, new furniture).
Photo credit: iStock/ArtMarie
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Income verification documents, which are typically requested when you’re applying to rent a home or apartment, are documents that prove you have a job and are earning an income.
A landlord requests these documents to ensure that you’re earning enough to cover your rent payments each month. The income verification paperwork requested may vary from landlord to landlord, and the documents may also differ, depending on your specific career situation. The landlord is simply doing their due diligence to make sure you can afford the rental.
Table of Contents
Key Points
• Income verification documents are required by landlords to confirm a potential tenant’s ability to pay rent.
• Common documents include pay stubs, tax returns or W2 forms, and bank statements.
• For self-employed individuals, 1099 forms or personal tax returns may be necessary.
• Additional proof like a letter from an employer can also be used to verify income.
• These documents help ensure that the rent does not exceed a reasonable portion of the tenant’s income.
How to Show Proof of Income to Rent an Apartment
There are a number of ways that prospective renters can show proof of income to a prospective landlord or property management company. The types of documents you need to produce will likely depend on the specific request from the landlord.
Generally, there are a few standard income verification documents that landlords and property managers are looking for:
• Pay stubs
• Tax returns or W2 forms
• Bank statements
• A letter from your employer
Typically, a landlord will request two forms of income verification. Often, your pay stubs and tax forms will suffice as proof of income. But in some cases, you may need to submit several months’ worth of bank statements. You might even need to ask your employer to write you a letter to assure the landlord that you have a job and do have income.
How to Show Proof of Income if You’re Self-Employed
If you’re self-employed, the process can be more complicated. You may need to submit 1099 tax forms or your personal tax returns showing regular and steady income going back a couple of years. Depending on the nature of your self-employment, you may have business tax returns, such as a Schedule C if you own and run a small business, that you can use to verify your income.
You can also use bank statements from your business bank account to show a landlord that you have income. The documents required will likely be similar to those you need when applying for self-employed personal loans. Ask the landlord what will work best for them so you will know exactly what documents you should present.
How to Show Proof of Income for Side Hustles
You may have a side hustle — perhaps you make and sell crafts online, for instance — and that’s similar to owning a small business. And you should be reporting the income you make from your side hustle to the IRS on your tax return. By presenting your tax return to a landlord, you can prove that you’re making side hustle income.
If you’re working for a ridesharing app or food delivery service, the company should be sending you a tax statement with your annual earnings so that you can report them on your tax return. You can always show a copy of that tax statement to a prospective landlord.
Why Proof of Income is Important
Proving your income is important when you rent an apartment — or apply for credit, for that matter — because it shows that you have money coming in every month, and are able to fulfill your financial obligations. In other words, it shows the property owner that you can make your rent payments.
Recommended: What Is The Difference Between Transunion and Equifax?
Understanding Rent-to-Income Ratio
Along with proving your income, you need to make sure that your rent is not eating up too much of your paycheck. That’s where the “rent-to-income ratio” comes into play. It calculates the percentage of your total income that you’re spending on rent.
The general rule of thumb is that you shouldn’t spend more than 30% of your gross monthly income on housing costs. Depending on where you live, those costs may be a higher or lower percentage of your income, but try to aim for around 30%. An online money tracker can help you keep tabs on your spending.
To figure out your rent-to-income ratio, divide your total annual earnings by 12, which gives you your monthly earnings, and multiply that number by 0.3 (or 30%). The result is how much you can afford to spend on rent per month.
Annual earnings ÷ 12 x 0.3 = How much you can afford to pay for rent
For example, let’s say you earn $50,000 a year. Divide that number by 12 and multiply it by 0.3 and you get $1,250. That’s what you should aim to spend on rent each month. Depending on where you live, you may need to spend more, but that figure gives you a ballpark of where you should be in order to have enough money to pay for your other expenses and hopefully, contribute to your savings as well.
How to Best Prepare to Pay Rent
When you are approved by a landlord to rent an apartment, you’ll need to plan and prepare to pay your rent on time and in full every month.
That means having your finances in order. First, you should have a checking account set up. Typically, you’ll pay your landlord by check or through an online portal and either way, you’ll need a bank account in order to do this. You may be surprised to learn that more than 6% of U.S. households (or more than 14 million people) don’t have a bank account. Fortunately, it’s easy to open a bank account if you don’t have one.
Next, make sure that you’re properly budgeting for your rental expenses. You want to make sure that you have enough money in your account to cover the rent when your landlord cashes your check. A budget planner app can help.
There are other expenses that can go along with renting an apartment or home that you may need to pay. Here are a few you should be aware of:
• Utility bills
• Renters insurance
• Parking, maintenance, and fees for amenities such as a gym or pool
Finally, know the terms of your lease. It’s common for rent to go up once a lease expires, which you may discover when you go to re-sign or renegotiate the rent. Unfortunately, renting is not like a fixed-rate mortgage when you have a monthly rate locked in. So don’t be surprised if the costs of staying in your apartment go up after your lease expires.
The Takeaway
Income verification documents offer proof to a landlord or property management company that you have enough money coming in every month to pay the cost of an apartment or home rental. Typically, pay stubs, tax returns, and bank statements are the only forms of documentation you need. However, if you are a small business owner, you may be required to produce additional documents. The good news: Once you are approved to rent, you can start the process of moving in.
Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.
SoFi helps you stay on top of your finances.
FAQ
Can you rent an apartment with no income?
It is possible to rent an apartment with no income, though it likely will be quite difficult. In this instance, having a high credit score can help, because it shows you have a track record of paying your expenses. A healthy savings account can also be useful to prove you have money in the bank.
Can proof of income for an apartment be faked?
It is possible to fake proof of income for an apartment by using online tools to create fake pay stubs and other documents. This constitutes fraud and is illegal, but it does happen.
Is proof of income different for a student?
Yes, it can be, yes. If a student has no income because they are studying full-time, they may need to get a co-signer like a parent or guarantor in order to secure a lease.
Photo credit: iStock/Anna Kim
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Inside: Here are fun things to do with no money. You don’t have to spend money to enjoy yourself! Plus you save money!
Having fun doesn’t have to cost a fortune! You can have a good time without spending a dime.
But, that is the trap, we find ourselves in. We believe that in order to have fun, you must spend money.
However, we are going to debunk that myth.
It is possible to have fun without spending money. This is something my family does ALL-THE-TIME. There are plenty of places to go when you have no money. There is so much available in our society to explore that you never get bored or run out of ideas. And your wallet and bank account will thank you!
If you are looking for fun things to do when hanging out with friends or fun things to do with kids, your boyfriend, girlfriend, mom, spouse, or anyone in your life, this list is for you!
You will find plenty of activities to do at home, at night, or near you.
Plus the best part… we have tons of memories and experiences from these no money activities ideas!
Today, you will get a glimpse into how you can live differently with your money. Show you fun things to do when you’re broke. Maybe you’re not broke, but choosing to live a frugal lifestyle like us. Either way, you will save money along the way that you can use for something else.
It doesn’t matter if you make $15 an hour or have a 6 figure salary, these tips are for you!
We have found plenty of things to do without spending money.
Today, you are going to learn fun stuff to do that doesn’t cost money.
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.
What Can You Do Without Money?
Honestly, a whole lot.
There are so many free activities available today. You just need to put on a different perspective than the urge to spend money. These no money activities will keep your hard-earned cash in your hands and then you can use it towards your money goal. That is a win! Actually a HUGE WIN!
The question is… are you willing to try something new? In this case, something new would be a money free weekend or maybe a no spend month.
There are so many free fun things to do available to us, but we opt to spend money because that is the natural societal habit. Whatever your reason for finding fun things to do that don’t cost money, you are in the right place.
We are going to cover an extensive list of things to do instead of spending money.
This will make your no spend challenge easier or just a desire to save more money to reach your money goals.
Without further ado, let’s cover the 101 plus things to do that don’t cost money.
Fun Things to Do With No Money
We are going to dive into plenty of things to do instead of spending money. This list might surprise you with how many things to do for free.
For the frugal green person, this is exactly what they want to do.
You will find specific ideas for fun things to do with friends, over here.
1. Call a Friend: Back in the day, we spent many hours on the phone just talking with our friends. (Hint: like hours on end talking). Pick up the phone and call your friends. I am pretty sure you will come up with another fun thing to do next.
2. Bucket List: This is a must-have for everyone! Do you have a bucket list of things you want to do? Use timeframes to help create your list – one month, one year, three years, five years, 10 years, 20 years. Or in your lifetime? Don’t be worried if some of these ideas on your bucket list cost money. That will be figured out later. It doesn’t cost any money to make your bucket list.
3. Head to your Local Library: This is the best way to begin a frugal lifestyle. Libraries are jam-packed with free things – books, music, videos, games, or events. Plus you can find options for physical items as well as digital versions. Many libraries now have maker spaces, interaction labs, and kid play areas. These STEM spaces are available to further your creativity and not to spend money on equipment. Check to see if your library offers 3D printing!
4. Volunteer Usher. This is a great tip for Money Bliss reader, Elizabeth and one many of my friends did recently. By volunteering your time, you are able to check out the hottest concert or play for free. The key is your availability and finding the right contacts.
5. Explore Like a Tourist: Have you explored your own city the way you would if you were traveling? More than likely not. There are so many no money activities available. Just grab a tourist guide and start exploring.
6. Geocaching: Join in on the world’s largest scavenger hunt. It is easy to participate and a free activity. The goal is to catch hidden caches using GPS coordinates. All you need is a smartphone or a GPS device to participate. Time to find your next treasure!
7. Volunteer: Have you a passion? Then, find a local charity where you can volunteer. There are plenty of great organizations that are always looking for additional help to reach and help
8. Games: This is a favorite in our house. Each Sunday, you can find us playing games. Whether a card game, dominos, or board game, the options are endless. This is a class thing to do with friends and family. One of our favorites is Taco vs Burrito!
9. Get Outside: We are blessed to live in such unique and beautiful areas. Yet, we barely manage to step foot outside. As a family, this is one of the best ways we save money. It probably tops my list of the best frugal living tips. The world is full of free things to do for free and explore!
10 Start a Club: Remember your favorite after-school club from elementary school? What was your favorite part about it? More than likely, it was about connecting with your friends with the same interests and spending time together. The same concept is the same as adults. Dedicated time to hang out with your friends with the same interests. There are plenty of clubs that you can start. Here are some ideas: reading club, sewing club, cooking club, fishing club, mom and tots club, etc.
11. Explore the Outdoors: Fresh air is amazing for our bodies. Plus our world is filled with no money activities to do. Get outside, explore, and see your surroundings in a fresh perspective. You don’t need a ton of fancy equipment that comes to mind when wanting to explore nature. Just head outside and follow where your feet take you.
12. We Got No Money Party: When you are looking for places to hang out with friends, look no further than your own place. Gather some friends and have them over for the night. The only ground rule is they can only bring food and drinks from their house. Same goes for games and other fun activities.
13. Teach Others about your Hobby: What is your passion? Teach others about your favorite hobby. Who knows… maybe you can turn it into a side hustle and earn extra cash.
14. Scavenger Hunt: Kids love scavenger hunts and guess what… inside every adult is someone who loves a good scavenger hunt. Plenty of free scavenger hunt ideas with a little Google search.
15. People Watch: This is probably one of my favorite money-free activities to do when bored especially at IKEA. Just head to any local place and people-watch. Many times it is better than TV sitcoms. Grab a friend and you can create stories to attach to those you are observing.
16. Puzzles: When is the last time you have taken on a puzzle? Research shows it is one of the best things we can do to slow aging and diseases like Alzheimer’s. More than likely, you don’t have an extra puzzle lying around. Ask to borrow some from friends. Also, you can get ones for free on Next-door or Buy Nothing Facebook groups.
17. Host a Vision Board Party: This is a trending activity right now! There is no better time to manifest your dreams and goals than with your favorite people. Plus you can create a better life for yourself. Learn how to host a vision board party today!
18. Museums and Zoos: Many of the smaller museums and zoos are free entry. To check out the major museums and zoos, check their website to see when they offer free days. Most local cities are required to offer many free days in order to get funding from the city. Another way to get free admission is with your credit card, business affiliation, or college affiliation.
19. Free Tours: These are places to go when you have no money, especially in a big city. The options are endless on the types of businesses in the area. Some free tours include the U.S. Mint, candy factories, capital building, parks, brewery tours, etc. The list can be endless when finding free tours.
20. Apple Classes: Want to learn how to use your phone and be more productive? Need to cap your kid’s time on their devices? Want to learn how to take better pictures with your iPhone? You can do that in one of the many classes. Look for classes near you.
21. Pinterest Party: Let’s face it… We pin a lot of things that we want to do. Recipes we want to cook. Desserts to book. Crafts to make. Skills to learn. Time to brush off those Pinterest boards and find something to do.
22. Movie Marathon: Time to sit back and enjoy all of your favorite movies! If you don’t already have cable or Netflix, then you can still do this without spending money. Start a free Paramount+ trial (just make sure to cancel it), head to the local library, or swap movies with friends.
23. Learn a New Skill: Another productive way to use your spare time is learning a new skill. With learning, the options are endless. With the library and YouTube, it is easy to learn new skills without paying for lessons. The new skill I want to learn is how to play the drums. What is the new skill you want to learn?
24. Local Events Calendar: Hello free activities! Every city will offer some local activities throughout the year. Just mark your calendar. These events are perfect for hanging out with friends and for local fun.
25. Go for a Walk or Run: This is the ultimate no money activity. Grab your shoes and head outside to clear your head. The fresh air will do wonders and doesn’t cost a thing. Maybe this is the time to challenge yourself for that 5K or half marathon?
26. Go for a Bike Ride: For those who own a bike, it would be time to dust it off and go for a bike ride. This is a great way to exercise without a gym membership. Plus, if you are a spender on the way home from work, then look at commuting on your bike to avoid temptations. Personally, I enjoyed cycling so much that it made sense to upgrade my road bike. There may be a small cost to maintaining a cycling lifestyle, but it brings hours of exercise and I am too tired to do anything later.
27. Go Hiking: Find a local hiking trail. Before you go, make sure you have water and some sunscreen.
28. Make a Meal: The caveat is you can only use ingredients that you have currently in your house. No running to the store and spending money. Create a meal from what you have available.
29. Go on a Picnic: This is a favorite in our house! Change up your lunch or dinner by eating in a different location. Load uptake food, choose a spot, and go! You can go on foot, on bike, or take a little trip by car. Either way, you have to eat!
30. Write a Letter: When was the last time you wrote a letter? Not an email, text, or social media post. An actual letter that can be given to someone or mailed for a tiny price. Another great idea is to write a letter to someone to open at a future date. Some examples include: to your kids on their 16th birthday or when they get married.
31. Swap Items: This is one of the best ways to not spend money and get something in return!! Go shopping through someone else’s stuff and swap. You can create a host a swap party for items like clothing, toys, games, kitchen supplies, home decor, books, tools, etc. One person’s trash is another person’s treasure. This is something that you can do in person or online.
32. Birdwatch: Never been bird-watching? Then, grab a bird-watching book from your local library to make sure you can tell the birds apart and learn a few new facts.
33. Pick up a Book: What do you prefer – fiction or nonfiction? There are plenty of books to keep you entertained for hours. Also, you could ask a friend to read the same book and then plan a time to discuss it. If your local library doesn’t offer what you are looking for, then start a free trial of Kindle Unlimited.
34. Check Out a Local Gym: Almost all gyms want people to check out their place. Many will offer a free class or up to a free week. Try out a new spin class, yoga class, pilates class, or CrossFit. There are so many gyms popping up on every block that this can keep you busy and fit for a couple of months.
35. Photography: We all know that we have one of the best cameras at our disposal, but do you use the camera in your phone to the best of its ability? You can fiddle around with it, check out some YouTube channels, or head to the Apple store for a free class.
36. Photo Shoot: I stopped buying professional pictures of my kids a long time ago. There wasn’t a point in spending the extra money because as a parent I seriously have taken thousands (if not hundreds of thousands) pictures of them. And we have saved tons of money over the years, especially on sports and team photos.
37. Slideshows: Now, that we have tons of photos… what should we do with them? Turn them into a slideshow or some other digital way to view your photos.
38. Nature Walks: These types of walks have a purpose. To explore and realize the nature around you. Typically, in our house, the goal is to find 10 different types of objects (smooth, rough, prickly, big, small, etc.) or look for something with the same characteristics (like various rocks). The list of types of nature walks you can come up with is endless.
39. Go Sightseeing: There are so many beautiful places to look at in our cities. You can head up to the mountains, the beach, or even urban areas. You can plenty of things to do around here. Don’t forget your camera!!
40. Clean Your House: Really? Does this have to go on the list of ways to spend weekends with no spending money?!?! But, what a great way to spend your time especially when bored. Plus you will have something to show for your elbow grease and hard work.
41. Projects You Put Off: Raise your hand if you can think of a project or two (or ten) that you have put off. When you don’t want to spend money, it is a great time to dust off that list and dig in.
42. Make a Budget: If you are broke or struggling with no money, then it is time for a budget. A budget isn’t meant to be constricting. It is designed to help you spend money the way you want to. Manage your money ahead of time. Learn how to make a budget.
43. Take Surveys for Money: Have spare time, then make some extra money by taking surveys. One of the easiest things to do and not spend money. The best surveys to do include:
44. Declutter: This is one of my favorite things to do, but also one of the hardest. Why? I realize all of the money I spend on wasteful items that we don’t even use in the house. Many were impulse purchases or out of boredom. Then, it is hard for me to declutter and get rid of the items because of wasted money. However, living with less stuff means more meaningful time on things that matter.
45. Dive into Basement Storage: You could be doing one of two things. Cleaning out the basement area and getting rid of the unnecessary stuff burdening your life. Or pull out some of your favorite treasures and find a way to use them.
46. Clear Out Garage: This one makes me cringe, too! A great way to make productive use of your time on a no spend day is to clean out the garage. Clean out the unnecessary items and organize what is left. That way you can find a screwdriver the first time you look.
47. Neighborhood Cleanup: Since we are in the cleaning mood, let’s spread out to your local neighborhood. This is a great activity to do with a group of friends. With just a trash bag, you can leave a beautiful area for many to enjoy.
48. Redecorate a Room: What is more fun than a refreshed space? This is easy to do when changing out seasonal decor. Or just move the furniture around to create a whole new look. We did that with our dining room table direction and people would always think we did something massive!
49. Take a Nap: Who doesn’t want a nap (except for that young child who needs a nap)? Take care of yourself and take a step back from the busyness of life. Nap time is a special treat. Plus you can’t spend money when you are sleeping!
50. Video Gamer Competition: You can get free games through your library or with a free trial on Twitch. Just make sure to grab a friend to join you for a little bit of people socialization.
51. Playgrounds: Something that is easy things to do around here is found right in your neighborhood. Head to the local playground and run around crazy after your kids. Play tag and you will wish you had all of the energy they do! Change things up and find a new playground to check out.
52. Dump Debt: I always felt broke when I was in debt. If I spent money, I felt guilty about it. Figure out your debt free date and learn how to pay off debt faster. Use an app called Tally to help you overcome your debt.
53. Play Chess: This is a classic game that everyone should learn how to play. Plus it is one of the best free no no-money activities. Many cities have full-size chess pieces in local parks that make playing that much more fun!
54. Watch a Documentary: This is spare time well spent. A documentary will open your eyes to various views and perspectives. This is a productive use of your time.
55. Dance Party: This is always a hit, especially with kids. You don’t need to worry about where to go when you have no money. You can bring the party to you! There are so many free ways to listen to tunes and no money is spent for moving your body.
56. Delete Unused Apps: Take a few moments and delete any unused apps off your phone. This will help improve phone efficiency.
57. Art Supplies: Gather up all of the art supplies and see what type of creations you can make with stuff that you already have. Double bonus if you create some gifts, too! This is a great idea of things to do with friends! Here are things to draw when bored.
58. Cancel Unused Subscriptions: When you are broke, you need things to do, then look at what you spend money on but don’t use. This is a great money-saving tip! Use a service like Trim or Paribus to help you.
59. Daydream Life Without Debt: Okay, one of the top reasons people are broke is because of debt. We were in that situation too. I would always daydream about life without debt. And then it happened! Read more about our story on why we became debt free. Now, you can start to daydream about life without debt, too!
60. Listen to Podcasts: This is a great way to increase your knowledge around a certain subject or topic. Find your favorite podcast.
61. Post Skills & Make Money: Do you have a specialized skill or service that you can offer? You can post your skills and services on NextDoor, TaskRabbit, or Fiverr. It could be something as simple as shoveling walks or raking leaves. This is great if you want to double $10k quickly.
62. Make Extra Money: One of the best things to do instead of spending money is to be making money. There are plenty of ways to keep you entertained and not bored. Check out this list 20 Genius Ways on How to Make Money Fast. This cannot be stressed enough!
63. Feed the Ducks: Okay, well today, you aren’t allowed to feed the ducks. But, they are interesting creatures to watch and keep you entertained. But, this is somewhere to go when you have no money.
64. Memory Lane: Let’s take a stroll down memory lane. Pull out old photo books, find your keepsake box, and scroll to the of your pictures and videos. Grab some Kleenex and take a walk down memory lane.
65. Visit a Nursing Home: Looking where to go when you have no money? Then, look no further than the closest nursing home. Their residents are always looking for people to interact with. After striking up a conversation or two, you will walk away with golden nuggets of life lessons and a chance to learn from your mistakes.
66. Meal Plan: This one is a productive use of time plus will save you money over the next week. Use this money saving tip and learn how to meal plan like a pro.
67. Mediation: We are constantly on the go. When was the last time, you were just still? Take time and meditate. Start with mindfulness meditation. This is when you learn to pay attention to your breath as it goes in and out. Clear your mind.
68. Try a Budgeting App: This is a great time to stop living paycheck to paycheck and truly figure out where you spend money. Here are some great budgeting apps:
69. Set Goals: When you are asking yourself, “How can I spend weekends with no money?” Start by setting goals. Without an idea of where you go in life, you will be just bobbing along from one thing to another. Get help on making money goals.
70. Bake: More than likely, you probably have all of the baking necessities on hand. Try a new recipe or make an old favorite. Grab a friend or family member to make it more fun! Have too many cookies? Take them to a fire station or a nursing home.
71. Open Houses: In the market for a house, looking to remodel, or just want to redecorate, then check out open houses for ideas and inspiration. There are hundreds each week and a great way to spend weekends with no money. To add more fun, create a persona and a story on why you are looking at houses.
72. Watch a Sunrise: What better way to experience the wonderful beauty of nature! Find a spot to watch a sunrise and soak up the morning rays. Maybe even combine it with a short hike.
73. Watch a Sunset: The sunsets are us can be magical and absolutely colorful. There are so many spots to watch a sunset. Plus no two sunsets will be the same. Maybe even back a picnic.
74. Time Capsule: Make yourself a time capsule to be opened on a big birthday or in a big life year.
75. Craw Dad Fishing: Calling all dads (and maybe moms)! Head to a local creek with some sticks and hot dogs as bait. This is probably my kid’s favorite summertime activity.
76. Build a Fort: This is the only reason I keep so many blankets on hand. Kids can spend hours on end creating a fort with blankets. Pull in the chairs and start building. This will also include STEM learning because it is a science to get blankets to stay up on the fort without caving in.
77. Camp in Your Fort: Yay! Spend the night in your fort and pretend you are camping. This is a great stay-at-home idea for young kids.
78. Play in the Snow:I will admit it is snowing while I type this. All you need to do is head outside and find plenty of things to do without spending money. You can make snow angels, have a snowball fight, color the snow funny colors, catch snowflakes on your tongue, or shovel for extra money.
79. Built an Igloo Fort: This takes me back to feeling like a kid (at least until the soreness kicks in). Building a fort out of snow is so much fun! You can quickly spend hours outside and have a blast. Then, have fort wars!
80. Visit a Farmer’s Market: Learn what fruits and vegetables are local to your area. This is one of my favorite activities especially in small towns.
81. Learn a Foreign Language: With so many cool apps and websites, you can teach yourself how to speak a foreign language. Maybe you just need to brush up on those high school classes. Then, you can volunteer at a local community center to practice!
82. Find a Pet to Love: Head to your local animal shelter and love some pets that need to be rescued. This is a great way to not spend money and help the community. Maybe donate extra blankets to help out the rescue.
83. Figure Out Your Net Worth: This one hasn’t been popular with many of my readers. But, your net worth has to start somewhere (even if it is negative). However, we have been working to increase our liquid net worth this past year. If your goal is to become a millionaire next store, you have to start somewhere.
84. Dress Rehearsal. This one may be harder to find, but an awesome idea if you can. Some venues will allow people to attend their dress rehearsals for big shows. You won’t have the same experience as the real show. At the end of the show, you will save lots of money and may be asked to provide feedback.
85. Sound Checks: Is your favorite bank headed to town and you can’t afford to go? Then, go a couple of hours before the start of the concert and keep your fingers crossed they are doing sound checks. This works really well for outdoor concert venues. I have a cousin who has become a pro at this!
86. Get on a Realtor’s Mailing List: Realtors are always marketing their services and vying for attention. Many realtors will send out mailers with local activities that you can explore for free. Others may invite you to special events that are really fun and totally free for you!
87. Minute to Win It: Play this game against the clock which will have you laughing for hours. Most of the minute to win it games are with items you can find all throughout your house. This one is a winner to hang out with friends, kids, or families!
88. Find Grand Openings: This is where to go when you have no money. Search for grand openings in your local area. Many times you will walk away with freebies and other goodies! Plus more than likely you will have a story to share about your experience.
89. Free Exercise Routines: No need for a gym anymore! You can download apps for plenty of workouts to keep you fit and healthy. Scroll YouTube for yoga classes. If your goal is to lose weight, then try Healthywage and get paid for losing weight.
90. The Bad Gift Exchange: Plan a party with friends and tell everyone to bring the worst gift they got from the previous holiday. Hold a funny white elephant exchange and laugh at what people spend money on.
91. Free Class at Community Colleges: Check out your local community college for the free classes they are offering. You should be pleasantly surprised at how many free classes you can take.
92. Free Classes at Stores: Hitting up stores may seem backward on where to go when you have no money. However, many stores offer free classes or projects. The goal for stores is to get you in the store in hopes that you will buy one or two things while you are there. Resist the urge to buy something and go for the free projects. Stores I know that offer free classes, projects, and crafts: Ikea, Home Depot, Lowe’s, Joann’s, Michaels, and smaller mall stores.
93. Favorite Recipes List: Too many times we forget some of our favorite recipes and they go un-made for months. Create your go-to recipes that everyone in your family loves. This will make your meal planning much easier and faster. Even better… convert your recipes to a digital file.
94. Research your Genealogy: If you want to know more about your family history, then you can spend hours learning more on the various genealogy websites. Even better, call the family historian to learn more about your heritage.
95. Fly a Kite: Don’t worry about having to buy a kite in order to have fun! Get creative and make your own. This is something my kids have figured out how to do on their own with store grocery bags and string.
96. Invite Your Kid’s Friends Over: Kids always want time to hang out with friends. They can always find something to do with their friends. Then, you can get some quiet time. You don’t need to spend any money for everyone to have fun. It is a win-win situation.
97. Get Your Personal Finances in Order: This is one of the most important things to do. Yet, it always slips to the bottom of your list. Learn how to organize your personal finances and make sure your wills are up to date.
98. Make a To-Do List: There is no better time to power through your to-do list. It is a great idea to not spend money and be productive. You may have to DIY projects or save money to finish them another day. But, you can tackle the hard stuff.
99. Last Text Message: Scroll all the way to the bottom of your text message list and find that friend you haven’t talked to in a long time. Invite them over and have a conversation.
100. Free Apps: There are so many free apps available. You can learn a new skill, play a game, organize your life, sharpen your brain, and connect with friends. The options are endless on this one!
101. Local Festivals or Events: Once again, there are so many free activities. Check out your local area for weekend activities. Bonus hint: pack your own food and snacks so you aren’t tempted to spend money with the food vendors.
102. Camp in Your Backyard: You don’t need to drive anywhere to camp. My kids love setting up the tent to camp right here at home. The tent gets more use and the bathrooms are mighty convenient.
103. Check Newspapers. From Money Bliss reader, Elizabeth recommends checking the local newspaper as they list out all of the local events in the community. Her money saving tip is to use the library’s copy for free. Also, the online digital version may have the same info.
104. Free Trials: When you are looking for things to do for free and that don’t cost money, then look no further for free trials. The options are endless because people want to try out their product. At a bike event, I was able to do a free trial for a road bike. It was a great way to check out what I liked and not spend any money.
Ideas for possible free trials:
Just make sure to cancel before the trial ends!!
105. Count Your Blessing: Too many times we take for granted everything that we have. Take the time a start writing a list of everything you are grateful for. These blessings have enriched your life. Find ways to enrich someone’s life.
The popular book of coupons is now a downloadable app!
The Entertainment® Book and Digital Membership offer 2-for-1 and up to 50% off discounts, all conveniently accessed on our mobile app, online or in the book.
Great way to save money on local restaurants, activities, hotels, adventures, and more!
Groupon’s top deals updated daily.
Discover and save on thousands of great deals at nearby restaurants, spas, things to do, and more.
The popular book of coupons is now a downloadable app!
The Entertainment® Book and Digital Membership offer 2-for-1 and up to 50% off discounts, all conveniently accessed on our mobile app, online or in the book.
Great way to save money on local restaurants, activities, hotels, adventures, and more!
Groupon’s top deals updated daily.
Discover and save on thousands of great deals at nearby restaurants, spas, things to do, and more.
How do you have fun without spending money?
Now, we have covered an extensive list of things to do with no money. Hopefully, you have learned that you don’t need to spend money to have fun.
You can enjoy your time and not spend money. You can be productive when bored.
You will always have an answer to what do you do for fun!
There are so many ideas to help you through your no spend days.
That should be a smile on your face (and your bank account).
You can figure out what should I do today.
The less money you spend each day the more money you can save for one of our money saving challenges. That is one of the best things you can do for your finances.
Don’t Miss… 90+ Fun Things to Do on Christmas Day
What are your favorite places to go with friends when you have no money? If I missed one of them, please tell me in the comments.
Know someone else that needs this, too? Then, please share!!
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.
Eligible Chase cardholders can get rewarded this summer for fueling their vehicles, seeking fun away from home, and finding a silver screen to shield them from the heat.
From July 1 to Sept. 30, 2024, Chase Freedom Flex℠ cardholders can earn 5% cash back on up to $1,500 in combined quarterly spending at the following merchants (activation required; 1% back on all other non-bonus-category spending):
Gas stations and electric vehicle charging.
Select live entertainment.
Movie theaters.
Gas stations, EV charging and select live entertainment are repeat categories from the Q3 2023 bonus calendar. Movie theaters are an addition this year, and were previously excluded from the select live entertainment category.
Chase Freedom® and Chase Freedom Flex℠ bonus rewards categories for 2024
Q1 (Jan. 1-March 31)
Grocery stores.
Fitness clubs and gym memberships.
Self-care and spa services.
Q2 (April 1-June 30)
Select hotel bookings.*
Restaurants.
Amazon.com.
Q3 (July 1-Sept. 30)
Gas stations and EV charging.
Select live entertainment.
Movie theaters.
Q4 (Oct. 1-Dec. 31)
TBD (In 2023: PayPal; wholesale clubs; select charities).
*Includes bookings made directly with the hotel and prepaid bookings through Chase’s travel portal.
The select live entertainment category includes most things you’d buy tickets for, including sporting events, zoos and aquariums, concerts, theaters, museums, amusement parks, circuses and carnivals. You’ll also earn bonus rewards at eligible ticketing agencies. However, exclusions include bowling alleys, horse racing tracks, casinos, dance halls, clubs, and any purchases through a hotel or concierge or as part of a travel package.
Merchants excluded from the gas stations category include truck stops, boat marinas, oil and propane distributors, and home heating companies. You also won’t earn bonus rewards on home-charging equipment for your EV.
🤓Nerdy Tip
Although the original Chase Freedom® card is no longer accepting applications, existing cardholders still earn 5% cash back based on the same bonus calendar and terms for the Chase Freedom Flex℠.
Beyond the rotating quarterly categories, Chase Freedom Flex cardholders can earn an uncapped 5% cash back on travel booked through Chase; 3% back on drugstores and dining; and 1% back on all other purchases. New cardholders also qualify for the following signup bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
🤓Nerdy Tip
The Chase Freedom Flex℠ is a World Elite Mastercard and offers additional benefits, including cell phone protection and perks such as offers with Lyft, Fandango and Shoprunner, among others.
Information related to the Chase Freedom® has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.