When decorating your space, you don’t have to sacrifice convenience for style. Machine-washable rugs are here to prove just that.
With various materials, patterns and sizes to choose from, you can easily find one that suits your taste, fits your room and is life-proof. Whether you need a rug for a bustling living room or a cozy bedroom, these rugs add a touch of flair and save you the hassle of difficult cleaning.
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A great living room decorating tip is selecting a statement piece to decorate around. This can be any piece of furniture, a rug or canvas art that breaks apart the neutrality of other decor pieces while bringing out your unique style.
The VK Living Vintage Rug will not only make your living room vibrant but is sure to withstand the wear and tear of kids, pets and accidental messes. Available in other colors and sizes, this rug perfectly balances durability with style options for your personal taste.
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In minimalist design, each element in the space must be meticulously considered for its individual merit and its relation to the whole design. When it comes to breaking up the monotony, geometric patterns are a must to incorporate in the space.
This washable rug from nuLOOM is neutral while visually interesting. No need to worry about pet stains: You can throw this rug into a regular cold wash cycle to return it back to its original, polished state.
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Cooking is a labor of love. Some dishes take longer than others and some are messier than others. In these instances, it’s helpful to have a comfy rug to stand on that can handle a few splatters of food.
The solution for your kitchen is LEEVAN’s Washable Kitchen Rugs. Available in five stylish colors, this rug is the perfect partner for your kitchen when it comes to practicality and finesse.
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Barbiecore has taken over the design world following the release and reception of the Barbie movie. Incorporating pink into your decor can feel overwhelming since pink is a vibrant statement color. A great place to start is smaller pieces like placemats and art canvases to ease your way into the pink color scheme.
Try the Wonnitar Modern Ombre Small Rug as a bath placemat or small bedside runner. This washable pink accent rug is sure to withstand wear while turning your room or bathroom into a Barbie-themed haven.
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Whether you’re channeling your inner coastal grandmother or actually living shoreside, decorating with the beach in mind is enjoyable. In your decor search, it’s important to consider a rug that can withstand the temperament and changes in the weather alongside life’s everyday messes as well.
The Tritard Coastal Sea Turtles Area Rug is sure to keep relaxation at the forefront of your mind with its combination of durability and cuteness. Also available in other beachy patterns and sizes, this stain-resistant rug is perfect indoors or outdoors.
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Loving the pets in your life is easy, it’s the clean-up that’s hard. The messes of a pet are unpredictable and it’s important, as a pet owner, to buy pieces that can withstand the wear and tear caused by our beloved animals.
The Ophanie Machine Washable Rug is not only soft and comfy but is machine washable, perfect for unpredictable but inevitable accidents. Additionally, this rug comes in six color options and is slip-resistant, adding to its durability and pet-friendly repertoire.
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There are some rooms that don’t have a specific shape or purpose, leaving the window of creativity wide open. A unique room, like a sunroom, sitting room or office even, calls for a unique rug.
This HEBE Boho Round Area Rug is the perfect addition to your undefined room. Whether you’re reading a book or working on a project, this washable rug under your feet is sure to provide comfort and happiness through its distinctive bohemian flair.
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The one room that requires the most color and vibrancy is arguably the kiddo’s room. This space should inspire creativity, enhance moods and reflect a child-like fun feel through decor. What makes decorating a kid’s space difficult is making sure the furniture and finishings are stain-resistant or easily washable.
The child-proof Lahome Pink Carpet is perfect for brightening up a room while offering peace of mind. The washable rug is available in other colors and is a parent’s functional favorite.
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An often-forgotten decor item is a runner rug. Runner rugs lay in slimmer aisleways and hallways, standing as a focal point where other furniture may not fit. These runners, while slender, tend to be attention-grabbing.
This stunning YOUFORTONG Runner Rug is perfect for your doorway. It’s guaranteed to leave a lasting impression on guests as they enter the home and as they say their goodbyes. While it’s sure to collect quite a bit of tread due to its placement, it’s machine washable and durable.
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Spooky season is upon us and for those who love to lean into the festive spirit, themed decorations are an absolute must. Since holidays like Halloween come once a year, it’s important the decorations are washable after sitting in storage until their time to shine rolls around.
This funky Estmy Spider Web Halloween Rug is the perfect festive piece to get into the spooky spirit. Also nonslip, this rug is sure to stay put through Halloween stories and fireside tales.
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Maximalism happily lives on the opposite end of the design spectrum from minimalism. In all its colorful and fun-pattered glory, maximalism leans into taking things to the max. Mix-matched patterns and vibrant color schemes fill the rooms of those brave enough to tread into the funky design territory.
Revival Rugs Gambit rug is eclectic and sure to bring spice to any maximalist room. Washable and cushioned means comfort and durability among the carefully curated maximalism madness.
Live smarter, not harder
Washable rugs are a blessing among the chaos that comes with everyday life. Between pet stains, kid wear and accidents, it’s nice to know a quick toss in the wash can return your beloved statement piece back to its original state. Make an investment that’s sure to keep you and your wallet happy.
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
Well, it looks as if a foreclosure moratorium has made its way to the Sunshine state, though it’s not as cut and dry as similar proposals.
The program is voluntary, and relies on the member institutions of the Florida Bankers Association and the Florida Credit Union League to hold off on foreclosures and foreclosure sales for 45 days on primary residences.
At this point, it’s too early to tell who will be onboard, but it’s likely to get good support considering all the related action by larger lenders and individual states nationwide over the past few weeks.
Last week, ING Direct offered to suspend foreclosures until March, following similar action by Chase, Citi, and a number of other large mortgage lenders.
Fannie Mae and Freddie Mac have also put the freeze on foreclosures through the holidays, which should allow about 16,000 families to stay in their homes, at least in the short term.
Florida is one of the hardest hit states in terms of foreclosure activity, ranking third in rate of foreclosure (1 in every 157 homes) and second in number of foreclosure filings (54,324 in October), just behind California.
Default filings have plummeted in California thanks to a new piece of legislation that makes if more difficult for lenders to foreclose on borrowers.
The new law, SB 1137, requires lenders to spend more time and effort on making contact with at-risk borrowers before serving foreclosure papers.
It still remains to be seen whether any of these initiatives will have a lasting and meaningful impact, though a low mortgage-rate environment coupled with a bit of extra time could allow some to get into more affordable mortgages.
Inside: Are you wondering how many weeks are in a school year? This guide will help you answer the ultimate question by state. Plus uncover the number of school days or hours.
Ever had that feeling where your kids seem to always be either in school or at home?
This is a common dilemma many parents and guardians scratch their heads over.
Knowing how many weeks there are in the typical school year not only solves this puzzle but also helps with planning vacations, prioritizing extracurricular activities, and ensuring they don’t miss out on crucial academic days.
The number of school days in a public school year varies significantly by state and even within specific school districts, reflecting the unique approaches and needs of each educational jurisdiction.
This variability results in a range of calendar structures, from standard to modified school weeks, which can impact educational planning and execution.
Understanding this variation in the number of school days is paramount for parents in structuring their work weeks in a year, ensuring that all the fun happens and the kids learn the necessary material.
How Many Weeks in a School Year?
On average, a school year generally includes about 36. However, this can slightly vary depending on your location and the type of school.
For instance, in the United States, a typical school year comprises 180 school days, translating to approximately 36 weeks. This is how many weeks in the academic year.
This calculation includes the school-going days only, excluding weekends and holidays.
When you include no school days from holidays, winter, or spring break, the total number of weeks grows to about 40 weeks.
How many school days are in a year?
The number of school days in a year typically spans from 160 to 180 days, based on the education system in the United States.
This accounts for roughly 36 weeks of schooling.
Thus, allowing plenty of time to enjoy one of these summer jobs for teachers.
Required School Days by State
Did you know that across the United States, each state has a unique number of minimum school days in a year? Yeah, it varies!
In addition, the requirements are set by different groups by the state Department of Education or the local school district.
While Colorado mandates the fewest minimum school days in comparison to other U.S. states, at 160 days, the state still maintains a very similar standard for the minimum required hours of instruction per academic year. Despite the reduced number of days, it does not necessarily indicate less teaching time. This may be why teachers in Colorado are the lowest paid.
Some states like Delaware, Missouri, or Texas only require certain instruction hours, instead of days.
This illustrates that even within differing frameworks, states strive to provide a balanced amount of educational exposure to their students.
As you will see this is way under the number of working days in a year.
Here is the number of student contact days required by each state:
State
State Minimum School Days in Year
Alabama
180 days
Alaska
180 days
Arizona
180 days
Arkansas
178 days
California
180 days
Colorado
160 days
Connecticut
180 days
Delaware
Hours requirement only
District of Columbia
180 days
Florida
180 days
Georgia
180 days
Hawaii
180 days
Idaho
School districts decide on days
Illinois
185 days
Indiana
180 days
Iowa
180 days
Kansas
School districts decide on days
Kentucky
170 days
Louisiana
177 days
Maine
180 days
Maryland
180 days
Massachusetts
180 days
Michigan
180 days
Minnesota
165 days (grades 1 to 11)
Mississippi
180 days
Missouri
Hours requirement only
Montana
School districts decide on days
Nebraska
Hours requirement only
Nevada
180 days
New Hampshire
180 days
New Jersey
180 days
New Mexico
Hours requirement only
New York
180 days
North Carolina
185 days
North Dakota
Hours requirement only
Ohio
School districts decide on days
Oklahoma
180 days
Oregon
Hours requirement only
Pennsylvania
180 days
Rhode Island
180 days
South Carolina
180 days
South Dakota
School districts decide days
Tennessee
180 days
Texas
Hours requirement only
Utah
180 days
Vermont
175 days
Virginia
180 days
Washington
180 days
West Virginia
180 days
Wisconsin
Hours requirement only
Wyoming
175 days
Source: National Center for Education Statistics
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.
Factors that Influence the Length of the School Year
Knowing how long your school year is can help you plan academically and personally.
But, the question remains will these students be prepared for the number of working hours in a year?
Here are some factors that can influence the duration of a school year:
Legal Requirements:
Every state in the U.S. establishes legal requirements that mandate the minimum amount of instructional days or school hours per year, ensuring that students have a sufficient baseline of educational exposure.
These mandates vary from state to state, with common baselines being around 180 days or varying hours depending on the grade level.
Such requirements can range from 425 hours for Kindergarten in some states to 990 hours for grades 6-12 in others. Exceptions and specific inclusions or exclusions (like recess, lunch, passing periods, etc.) to these instructional times differ among every state, offering districts some flexibility in meeting the standards.
State or City regulations:
State or regional regulations significantly impact the length of the school year depending on climatic, cultural, or other region-specific conditions.
Notably, in areas where the climate includes inclement weather, schools may have longer breaks during winter months to accommodate these conditions.
Also, cultural holidays specific to an area may also necessitate a shift in the school calendar.
School district policies:
School district policies, like budget constraints and teacher contracts, have a crucial role in shaping the length of the school year.
For instance, collective bargaining agreements or contractual obligations could stipulate the length of the academic year, which can differ markedly across various regions.
Similarly, budgetary limitations might lead to reductions or extensions in the number of school weeks, according to the resources available.
Therefore, these policy elements are pivotal in determining the structure and flexibility of the school calendar, directly influencing curriculum planning and the educational opportunities provided to students.
Parental and community expectations:
The effect of parental and community expectations on school calendars can not be underestimated. They undoubtedly play a critical role in shaping the length and structure of the school year.
Parents and the larger community may have certain expectations or preferences that influence when and how long schools are in session. These preferences can significantly shape the academic calendar.
One primary factor is family schedules and routines. Some parents might prefer longer school weeks with shorter breaks scattered throughout the year. This format may align more closely with standard work schedules, minimizing the need for additional childcare arrangements.
On the other hand, some parents might prefer longer breaks, particularly in the summer, to accommodate yearly family vacations. This preference is quite common in many communities where summer holidays are seen as a traditional break for travel and family outings.
School calendars can also be adapted based on parent and community feedback. For example, if a significant number of parents express concerns about children having too much idle time during long breaks, schools might shorten breaks and add more instructional days.
Additional non-instructional days
The overall length of a school year is not entirely determined by the instructional days, but also by these additional non-instructional days.
With more days dedicated to professional development, teachers can enhance their teaching strategies and methodologies, resulting in improved student outcomes. Parent-teacher conferences form another essential component of these additional days, providing a vital platform for communication on students’ progress.
Both these elements contribute to the augmentation of the academic year, extending beyond the set instructional days.
How to Make the Most of the School Year
Making the most of your school year is not just crucial for academic success, but also for your overall well-being.
Here’s how you can do it.
Prioritize time and tasks. Make a list of weekly assignments. Prioritize by deadline and significance, ensuring each task has sufficient time allocated.
Understand your school year structure. This aids in schedule planning, goal setting, and study time allocation.
Create achievable goals. Break them down into manageable tasks and track progress regularly.
Keep track of assignments, due dates, study materials. Use a digital calendar or school planner to stay organized.
Shed light on the opportunity to get ahead. This may be in the form of summer sessions, allowing you to catch up on coursework, and possibly graduate early.
Familiarize yourself with your school’s academic calendar. Make sure to keep note of key dates and deadlines.
Remember, a longer school year equals more opportunities for enrichment activities. So dig into the chances!
FAQ
Yes, there are typically around 36 weeks in a school year, but this can vary.
This calculation is based on the US where most districts require about 180 days of schooling, which roughly translates to 36 weeks. However, this figure may fluctuate between states, districts, and the type of school.
Typically, there aren’t exactly 40 weeks in a school year. On average, based on the U.S educational system, the school year is about 36 weeks.
However, when including breaks and holidays, the total climbs to around 40-42 weeks.
For instance, in the UK, the school year totals 39 weeks.
In Australia, you’d typically have 38.5 weeks of school in a year, broken down into four terms. Each term lasts roughly 10 weeks, but the exact length can vary slightly depending on the state or territory.
Australian kids are in school for roughly 200 days of the year.
School Days and School Weeks – Are You Happy with What is Happening?
Are you satisfied with the average 36 week school year for your child?
While every state sets its requirements, ensuring that your little scholar gets the right quantity and quality of education.
Based on the research, American students receive fewer amount of instructional time compared to their international counterparts, including countries renowned for educational achievements like South Korea, Japan, and Finland.
This suggests that American students may not be getting substantial educational exposure.
However, the adequacy of education isn’t solely determined by the amount of time spent in school. It’s also dependent on other factors like the curriculum content, the emphasis on particular subjects, and the usage of standardized assessments. It’s important to note that these components can differ significantly among countries, leading to differences in the quality and focus of education.
As a parent, knowing this helps you plan what is best for your children as well as the vacations!
It’s your turn to reflect, engage, and make the most of this information.
Know someone else that needs this, too? Then, please share!!
Inside: Looking to celebrate Christmas on a budget? This guide has you covered with creative and affordable ways to do just that.
Are you stressed out about how to afford a fabulous Christmas on your budget? Worry not.
This festive season isn’t about how much cash you fork out, it’s about creating lasting memories and spreading joy.
Why let financial woes dampen the joyous yuletide spirit when you can celebrate a charming Christmas on a budget?
Remember, it’s your money, your decisions, and your rules – no guilt trips or social pressures should force you into spending Christmas in debt.
Today you will learn:
Determine your Christmas budget: Figure out what’s a comfortable amount for you to spend and stick to it religiously.
Be creative with gift giving: Homemade presents or heartfelt letters can be more valuable than pricey items.
Find simple ways to save money: Use these money saving tips to enjoy a festive holiday season.
This holiday season, celebrate responsibly, within your means, for a Christmas that’s merry, bright, and totally guilt-free!
Why Celebrate Christmas on a Budget?
Embracing a budget-friendly Christmas can prove to be not only a smart choice but one filled with warmth, delight, and genuine joy.
Enjoy valuable family bonding time with exciting games and shared activities. Volunteer work, a day of holiday baking, or a simple drive-through Christmas lights sightseeing trip can leave a lasting impression. Look through this Christmas bucket list.
Opt for economical, yet thoughtful gifts or stick to fun gift exchange rules, such as the “four gift rule” for your kids. Remember, it’s the sentiment behind the gift that matters the most.
In essence, an economical holiday season needn’t be a dull affair, rather it’s an opportunity to make it more heartfelt and unforgettable.
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 to buy for Christmas on a tight budget?
Yes, friend, you can buy meaningful Christmas gifts while sticking to a budget.
In fact, the thought behind a gift is often what makes it special, not the price tag.
A few ideas include homemade gifts, gift cards, subscriptions, and second-hand items. With a little creativity, you can find the perfect present for everyone on your list without spending a fortune.
Below you will find plenty of great gift guides for Christmas that won’t break the bank.
Benefits of a Budget Christmas
1. Allows you to plan ahead and stay on track 2. Prevents overspending 3. Buy gifts that are within your budget 4. Focus on quality over quantity 5. Ensures that everyone gets a gift 6. Helps you avoid debt during the holidays 7. Prevents you from feeling stressed out about money during the holidays 8. Be creative and come up with unique gifts 9. Save for next year’s holiday budget 10. Stay connected to the spirit of the holidays
Savings with Christmas on a Budget
From homemade Christmas decorations to unique gift ideas, it’s possible to create magical moments that’ll last a lifetime without a hefty price tag.
Embrace the true spirit of Christmas – love, family, and togetherness, rather than commercialism, and read on to discover how.
Learn the simple ways to celebrate the festive season without breaking the bank with our creative and budget-friendly Christmas ideas.
1. Think about a No Gift Christmas
Having a No Gift Christmas is a creative and budget-saving alternative to traditional holiday festivities, especially suitable if funds are tight. Why not consider it?
Here are some benefits:
You can alleviate the holiday stress often associated with spending on gifts.
It fosters the idea of Christmas as a season of togetherness, not just gift-giving.
It offers the potential for unique and memorable experiences, like volunteering or creating fun traditions with your loved ones.
Remember, having a memorable Christmas doesn’t have to cost much, or anything at all Learn more about a no gift Christmas.
2. Make Your Own Gifts
DIY Christmas gifts are your perfect solution. They not only save pennies but are laced with your love and creativity.
Start by exploring plenty of creative gift ideas available for free online. Need help? Look for “homemade gifts for Christmas” and you’ll be surprised.
Compile a list of possible gifts from homemade candles to personalized coupon books, keeping the recipient’s likes in mind.
Remember, your efforts will reflect in your gift. So, unleash your creativity and let the magic begin.
3. Borrow Instead of Buy
Borrowing instead of buying is a clever way to have a festive holiday while keeping things budget-friendly. This concept is simple: swap decorations, games, or even gifts with friends, neighbors, or family
Discuss your idea with your circle and organize swapping parties to exchange items.
The key is to creatively engage and make it a fun, budget-conscious activity. After all, Christmas is about sharing and caring!
Remember, return borrowed items in their original condition to maintain trust.
4. Attend Free Events
The Christmas season doesn’t have to be a strain on your wallet. Attending free community events can provide fun and festive celebrations:
To find these events, check your local newspaper or community websites. Be sure to:
Take advantage of free refreshments, but also bring your own to share.
Consider hosting a potluck dinner before or after community events.
Attending free events supports your local community.
Remember, Christmas is about togetherness, not extravagant spending.
5. Make Your Own Decorations
To create a festive atmosphere this season, you could repurpose items around your house or make your own decorations.
Choose a color theme and gather items in those shades, then place them together on a mantel or coffee table to create a coordinated layout.
For a natural touch, clip pine needles, branches, or herbs from your garden, and enhance them with glitter.
Additional budget-friendly options include taking advantage of sales and discounts at thrift stores or crafting handmade decorations such as ribbons from fabric strips or Christmas cookie ornaments.
6. Keep Track of Your Christmas Expenses
Just like throughout the year, budgeting is critical to your financial success.
Nothing changes with Christmas, it is crucial to track and budget your holiday expenses. Jot down every potential cost – from the Christmas tree, and food, to holiday décor.
Be thoughtful about what you really need and opt for items you can use for years.
This is one of the cash envelope categories I recommend saving for. To effectively manage your expenses, assign specific dollar amounts to each item on the list, ensuring you stay within your budget.
Enjoy guilt-free spending and effortless saving with a friendly, flexible method for managing your finances.
Start Your Free Trial.
7. Share the Spirit
Embracing frugality during the holiday season can not only help you save money, but can also create memorable experiences and meaningful connections.
Small gestures, such as sending heartwarming physical letters to loved ones instead of emails, can still convey thoughtfulness and spur the holiday spirit.
By centering your holidays around family activities and endeavors, like homemade ornaments or a scavenger hunt with small gifts, the focus shifts from materialism to fellowship and unity.
Find more frugal Christmas ideas.
8. Check Out Bargain Stores
Bargain stores provide the perfect solution for savvy holiday shoppers looking to save money without compromising on quality or variety. Not only can you find unique, quirky gifts, but you can also keep a lid on your spending while doing so.
Stores like consignment shops or websites such as Craigslist often have high-quality used toys that are nearly new if you’re willing to look carefully.
Another option is to look at discount retailers like TJMaxx as they often host sales during the holiday season, making it even easier for you to save money while hunting for the perfect gifts.
9. Save Money Throughout the Year
Automating your savings for the Christmas season can be a practical and efficient strategy. The 100 envelope challenge is perfect for this!
By setting aside just $50 each month, you could accumulate up to $600 by December, providing a decent budget for your holiday expenses. This method can ease the financial stress during the holiday season, letting you enjoy the festivities without worrying about overspending.
Consider setting up automatic transfers to a high-interest savings account. This ensures your Christmas funds grow without your intervention.
Lastly, try a no-spend month where you only cover essential bills, giving your savings a significant boost.
10. Start a Side Hustle for More Money to Spend
Engaging in side hustles throughout the year can help you significantly cover your holiday expenses.
By delivering food, completing microtasks, selling gently used items, or shoveling snow, you create extra earnings that can go directly into your Christmas fund.
For instance, extra income from a seasonal retail job could help finance gift-purchasing without straining your usual budget.
This strategy not only prevents potential post-holiday debt but also allows you to enjoy the season without financial stress.
In fact, more people are interested in how to make money online for beginners.
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!
This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own business from scratch.
11. Shop Online Instead of Going to the Mall
Shopping online for your Christmas gifts can seriously ease your holiday stress, and potentially save you money.
Let’s explore why skipping the mall and clicking your way to a merry Christmas might be your best bet this year:
No dealing with holiday crowds or cranky shoppers.
Enjoy sales and deals without leaving your home.
Track prices over time to grab the best deals.
Use Rakuten to save even more money on purchases.
For smart online shopping, prepare a list of gifts before diving in. Take advantage of the “wish list” option on platforms to curate items of choice and make sure you first glance over deal sites before making purchases.
12. Have a Christmas Potluck
Host a festive potluck! Invite friends and family, asking each to bring their favorite dish.
Here are some tips for a successful event:
Get organized and ask guests to bring specific types of food. This prevents duplicate dishes and ensures a balanced meal.
Introduce a fun element. Try a cookie swap or a silly game like “Guess the Cookie.”
Keep decor simple. A large vase filled with greenery and baubles can effectively replace a pricey Christmas tree.
Remember simplicity is key in food and decor. Costly ingredients and complicated recipes aren’t prerequisites for a memorable Christmas.
Remember, the holiday is about togetherness, not extravagance!
13. Make Your Own Cookies
There’s a unique pleasure derived from making your own cookies during the holiday season instead of buying them. More so, the cookies you’ve invested your time and creativity into can double as thoughtful, homemade gifts, adding another level of sentiment.
Apart from being a cost-effective option, it brings an opportunity to bond with friends and family during cookie exchange or decorating gatherings.
Making your personally crafted cookies also gives you control over ingredients catering to specific dietary needs or preference
Indeed, making your own cookies adds value that surpasses the mere cost savings, it infuses the holiday season with warmth, joy, and a sense of shared experience.
14. Cross Off Activities from your Christmas Bucket List
Having a joyful Christmas doesn’t necessarily mean overspending. In fact, integrating cost-effective activities into your holiday routine can make the season more meaningful and fun.
This Christmas Bucket list post offers an extensive and diverse list of creative ideas for budget-friendly Christmas shopping, gifting, and celebrating.
Additionally, downloading the free printables and a Christmas Budget Template will make the process even more manageable and fun.
15. Have a No-Gift Party
A no-gift Christmas party is an affordable and fun holiday celebration where attendees do not exchange gifts. It’s a great option for those looking to save money and still enjoy the festive season.
Here are steps to make it happen:
Step 1: Decide on the party type, either a simple gathering or a potluck dinner.
Step 2: Inform guests about the no-gift policy in advance.
Step 3: Organize exciting, cost-effective activities such as a game night.
Step 4: Engage guests with games for a joyful event.
Expert Tip: Conversation and laughter are your best tools.
16. Make a Christmas Memory Book
Creating a Christmas memory book is an affordable and engaging way to celebrate the holiday season, especially when you’re on a tight budget.
To start, you can utilize items already at your disposal in your house such as old photos, greeting cards, and crafts.
Spend some time penning down heartfelt messages and your favorite holiday memories associated with each picture or craft. Embellish the pages with affordable decorating materials like glitter, stickers, or color pens.
Not only does this create a personalized touch, but it also serves as a nostalgic keepsake that can be cherished for years to come.
Tip: Digitize your memory book by creating an electronic version. This can also help preserve the original items.
17. Spend Time With Loved Ones
Celebrating Christmas on a budget doesn’t mean skipping on the fun.
It’s about cherishing time spent with loved ones, harnessing creativity, and making priceless memories that last a lifetime.
Here are some cost-effective activities you can embrace this festive season:
Share stories of memorable Christmas experiences.
Organize virtual celebrations with extended family and friends.
Create your own family-themed board game.
Bake Christmas cookies or make a popcorn Christmas tree.
Stream a Christmas church service.
If snow is around, engage in snow play.
Dance to classic Christmas music.
Put together an annual family calendar.
Participate in one of these Christmas Challenges!
Remember, it’s not about what’s under the tree that matters, but rather, who’s around it.
18. Stash Christmas presents all year
Do what I do! Begin addressing the issue of holiday budgeting by stashing Christmas presents all year round.
This is a smart and stress-reducing move!
Find deals throughout the year rather than spending lavishly in December. Hang on to items like discounted gifts in your secret gift closet!
As you build an inventory of diverse items, you will be ready for birthdays or sudden party invites – you’re always prepared!
Just be careful to stop shopping when your list is fulfilled to avoid overspending.
19. Write a Christmas Gift List
Creating a Christmas gift list can be an effective way to manage your holiday spending. This helps you understand the overall picture of your holiday expenditure.
Start by writing down the names of every person for whom you consider buying a gift.
Then, determine how much you’re willing and able to spend on each individual. This helps you understand the overall picture of your holiday expenditure.
Take time to brainstorm potential gift ideas within your decided budget for each person. This process can be even easier and more informative if you’re able to reference a gift list from previous years.
Ultimately, the goal is to ensure that your total intended spending is reasonable and manageable for your personal financial situation.
Remember, you may not need to buy gifts for everyone on your list – some individuals might appreciate homemade or free gifts just as much.
20. Choose Great holiday things to do for less
Set aside the societal notion of linking the joy of holidays to copious spending, and welcome small, inexpensive, yet heartfelt gestures.
Adopting a mindset that finds value in low-cost or even free activities, especially during the holiday season, can not only alleviate financial pressure but also create cherished memories.
Instead of focusing on extravagance and materialistic desires, turning attention to experiences and emotional bonding can revolutionize the celebration!
You can always find things to do on Christmas Day.
21. Think Outside the Box With Gifts
Finding affordable gifts doesn’t mean you have to sacrifice quality or thoughtfulness.
By utilizing a gift guide such as the 4 gift rule – something they want, need, to wear, or read – you can ensure a well-rounded and meaningful set of gifts for each child.
Alternately, consulting lists of inexpensive yet creative suggestions like those curated by Money Bliss can help you find unique presents that won’t break the bank. These affordable finds range from books, gadgets, to personal care items, and home accessories.
Regardless of budget, the key to successful gift-giving lies in understanding the recipient’s needs and interests.
22. Consider Re-Gifting
Re-gifting is a practical, budget-friendly, and environmentally-friendly way to celebrate Christmas. It allows unused or unwanted items another chance to be appreciated and might save you some cash too.
Here are some regifting tips:
Ensure the gift is in good condition, unwanted but quality, and not linked back to its original giver.
Consider the preferences of the new recipient, ensuring the gift suits them.
Completely re-wrap the gift to give it a fresh appearance.
Some may debate the etiquette of re-gifting but remember, it’s more about the thought and less about where the gift originated.
Making smart choices can ensure a successful and fun re-gifting experience this festive season.
23. Use Gift Cards or Cash App to Stay on Budget
Purchase a prepaid gift card from your favorite store to ensure you’re limiting your spending to a specific amount and preventing the temptation of overspending.
If you’re planning to shop from a range of places, opt for a Mastercard of Visa prepaid card. While there may be an activation fee, it’s ultimately going to be less than what you’d potentially overspend.
Another great option is using the Cash App card and learn where you can load your Cash App card.
Also, you can use budget tracker apps like YNAB or Simplifi. These can help you meticulously keep track of your spending and stay within your budget.
Remember, the key is to stick to a budget and avoid falling prey to impulsive purchases. Using gift cards or these budgeting apps makes it easier to limit and monitor your expenses.
24. Use Money Gift Ideas Wisely
Money gift ideas can be an excellent alternative to traditional presents, especially when budgeting is a critical aspect.
Too many times, money gift ideas are overlooked as impersonal, but a money gift box or money cake will definitely surprise the recipient.
This will guarantee you will stay within your target budget by using money gift ideas.
For larger families, a gift exchange with a set price limit can keep costs manageable.
25. Donate to Charity Or Volunteer
Volunteering at a charity is a meaningful way to give back during the holiday season that doesn’t put a strain on your budget.
Instead of buying more items a person may not need, you’re investing time, money, and energy in causes they care about. Although this doesn’t require a financial commitment, it’s a generous gift full of sentiments.
Furthermore, donating money to a charity in someone’s name is a thoughtful and effective way to honor someone who already has everything they need. It allows the recipient to feel the joy of giving, yet remains a budget-friendly option for the giver.
If you’re keen on frugal yet meaningful ways to celebrate Christmas, how about considering charitable donations? It’s a splendid alternative to traditional gift-giving – not hard on your wallet, plus it makes a difference!
Most people know it is hard enough to buy gifts for the woman you who has everything or kids who have everything.
How to Make a Christmas Budget
A lot of joy and goodwill is associated with the holiday season; however, it also brings with it the challenge of managing finances meticulously to avoid slipping deep into credit card debt.
One of the effective ways to keep your finances under control during this festive time is by creating an efficient Christmas budget.
In the following sections, we will delve in detail into the simple process of creating a feasible Christmas budget that you can adhere to.
Step 1: Decide What You Want to Spend on Christmas
Determining how much to spend at Christmas depends on your individual budget and financial situation.
On a general basis, most people will overspend at Christmas in order they don’t look broke or not generous.
However, that thought process is backward if you are trying to reach your financial goals. You need to decide on how much you want to spend at Christmas time.
That is why these consumable gifts tend to be popular.
Expert Tip: Avoid surpassing your Christmas budget to prevent feeling the pinch of holiday debt later on. Stick to your allocations and plan things out in advance.
Step 2: Make a List of Christmas Gifts
Creating a list is essential for budget-friendly and stress-free Christmas shopping.
This prevents you from forgetting someone important by intuitively documenting all the people you intend to get gifts for. Also, allows for the clear allocation of your total Christmas budget, preventing overspending on some individuals and under-spending on others.
If you aim to economize, consider the 4-gift rule: something they want, something they need, something to wear, and something to read. This method provides thoughtful gifts for children while maintaining a manageable budget.
More importantly, a well-planned list significantly reduces the time spent shopping and aids in buying gifts early before the holiday rush begins.
Expert Tip: Don’t forget to consider items like stocking stuffers, last-minute gifts, or teacher’s gifts, and the cost of extra food for holiday gatherings.
Step 3: Prioritize Your Spending
Prioritizing where to spend money relative to your financial goals is crucial to achieving long-term financial stability and health. It ensures that your money is allocated effectively, giving priority to necessities and matters that directly support your objectives.
This practice can also prevent unnecessary expenditures and helps in averting serious overspending, especially during high-spending periods like the Christmas season.
Thus, you will need to prioritize your Christmas budget before the festive season. It helps prevent overspending and keeps you debt-free.
Step 4: Limit Your Christmas Spending
First, it is important to abandon the notion of a “perfect Christmas” and focus on enjoying the holiday within your budget.
You can even educate your family members about the concept of holiday budgeting and involve them in your planning process.
Consider proposing less expensive alternatives to traditional gift-giving within your extended family such as handmade or recycled gifts, or conducting a white elephant exchange with budget-friendly novelty items.
Don’t overlook smaller gifting costs that can accumulate, like Christmas stockings – instead fill them with practical, affordable items that your family needs.
Save money on wrapping supplies by using items readily available at home like newspaper or butcher paper and involve the kids in a fun, cost-saving activity by having them create homemade gift tags.
Remember, sticking to your budget doesn’t mean letting go of the Christmas spirit. It’s about celebrating responsibly and starting the New Year without financial stress.
Step 5: Ignore Sales and Keep it Simple
Sales, sales, sales – the deal is too good to pass up!
Here are key ways to overcome this common dilemma.
Resist impulsive purchases compelled by sales, and stick strictly to your shopping list.
Pause before purchasing an item not on your list, consider the necessity.
Keep emotions in check, they run our shopping decisions.
Conquer emotional spending, stay true to your budget.
Discourage additional spending once your list is fulfilled and the budget exhausted.
Remember that it’s better to focus on affordable presents rather than seeking the perfect, but expensive, gift.
Step 6: Shop for Christmas Gifts Early
Start early. Begin watching for sales on items from your Christmas gift list way before the season’s rush.
Begin monitoring for sales early, especially during holidays that precede Christmas, to stretch your budget further.
Make use of Black Friday and Cyber Monday. They provide excellent opportunities to snag deals on your gifts.
Expert Tip: Remember to stick to your list. If it isn’t on your list, pass it up. It’s challenging but keeps your budget in check.
Step 7: Reuse and Recycle Holiday Decorations
Start by taking stock of items in your house. Don’t limit yourself to traditional decorations—choose a color theme and scan your home for items that fit and can be repurposed.
Use the resources outdoors. Pine branches, pine cones, mistletoe, and holly can be fashioned into decorations from nature’s catalog.
Even consider trading decorations with friends or family. This can bring a new look to your home without the need for new purchases.
Get creative with items from dollar stores that can be combined to appear high-end and save costs.
How to buy gifts for Christmas on a budget?
Maintaining a budget doesn’t mean you can’t enjoy giving gifts this Christmas.
Use these gift guides to help you out:
Remember, the joy is in the giving, not in the cost of the gift.
Time to Create Your Holiday Budget and Make it Memorable
Regardless of your financial situation and the extent of your holiday plans, this guide will help you maintain financial stability while fully embracing the Christmas spirit.
By setting aside a prescribed sum for your holiday expenses, you’re able to enjoy the season without the stress of unexpected expenditures or financial shocks after the holiday haze has cleared.
Celebrating Christmas on a budget doesn’t mean skipping the fun or the warmth.
With just a dash of creativity and thoughtful planning, you can make the yuletide season enjoyable and meaningful without breaking the bank.
Use the festive tips provided and start planning your budget-friendly Christmas now. Remember, the true essence of Christmas isn’t in extravagant spending—it’s about love, joy, and spending quality time with those who really matter to you.
Don’t forget to access a free printable worksheet for your customized holiday budget.
Know someone else that needs this, too? Then, please share!!
Disney has a massive global footprint across its theme parks, films and merchandise. And it doesn’t stop there. Among its many offerings is the Disney Cruise Line, whose fleet of five ships sails all over the world.
Family-friendly but with adults-only areas, Disney cruises offer some of the most comprehensive cruise options around. Let’s break down everything there is to know about the Disney Cruise Line, including pricing, destinations and its loyalty program.
About Disney Cruise Line cruises
You can always expect some magic from Disney, and there is no exception when sailing on Disney Cruise Line. Although its fleet is small, it offers a high-end, family-friendly experience for guests. Here’s a quick overview of Disney Cruise Line’s key features.
Cabin types: Disney Cruise Line offers all the usual cabin types, including inside, oceanview, verandah and concierge-level rooms. Disney Cruise Line’s cabins are larger than average and designed for families, with split bathrooms and privacy curtains. Their largest rooms can accommodate up to seven guests.
Main U.S. routes: Disney has several departure points from within the United States, including options from San Diego, New York City, Miami, and Galveston, Texas. However, its most frequent departures are fromPort Canaveral in Brevard County, Florida, to the Bahamas and the Caribbean or from Vancouver, British Columbia to Alaska.
Loyalty program: Disney Cruise Line offers the Castaway Club to repeat guests. It has four membership levels — Silver, Gold, Platinum and Pearl. The first level is earned by completing a single cruise.
Disney Cruise Line destinations
Although Disney currently operates only five ships, the cruise line still manages to cover most of the world. Here are the locations you can currently sail on a Disney cruise:
Disney cruise destinations
Australia.
Caribbean.
New Zealand.
Pacific Coast.
Panama Canal.
South Pacific.
Transatlantic.
Cruises are available in a variety of lengths, from three nights up to 15 nights.
Disney Cruise Line prices
Disney cruises tend to be more expensive than the average cruise. Currently, for example, the cheapest cruise departing from Port Canaveral is a three-night trip to the Bahamas, which costs $1,958 for two guests.
And you’ll pay more to take a “special occasion” Disney cruise. The same three-night Bahamas cruise sailing during Disney’s Silver Anniversary at Sea starts at $2,345 for two guests.
When it comes to timing, standard logic applies. The high season will cost more, especially during holidays and the summer break.
The cheapest rate we found — the previously-mentioned $1,958 — is for a cruise in late January, a time when those with school-aged children might have trouble getting away. Meanwhile, the most expensive period for this cruise takes place over the Christmas holiday and rings in at $3,737 for an inside stateroom.
For all destinations, if you’d like to save money, avoid peak periods and search all available dates to find the lowest rates. This is true even on less popular cruises, such as those sailing up to Alaska.
The cheapest cost for two guests to Alaska from Vancouver is $2,983 in mid-September, while the same cruise will cost you $4,607 if you sail over the Fourth of July holiday.
🤓Nerdy Tip
One-way positioning cruises — that is, those that end in a different location from where they started — are often much cheaper per night than standard round-trip cruises.
What’s included
Disney cruises are more inclusive than most cruises. You don’t, for example, need to pay extra for soft drinks on a Disney cruise like you would on Norwegian Cruise Line. You’re also entitled to complimentary room service 24/7, unlike on Virgin Voyages, where you’ll be charged a $5 fee for each delivery.
Here are more inclusions you can expect.
Live, high-quality entertainment.
Large staterooms (designed for parties of up to three guests).
Disney’s private island, Castaway Cay (on most Bahamas and Caribbean cruises).
Upscale restaurants, quick-service dining, poolside snacks and room service.
Adults-only lounges and pool areas.
Waterslides (on some ships).
Disney Cruise Line loyalty program: Castaway Club
Disney isn’t known for its loyalty programs. For example, there is no frequent traveler program associated with staying at one of its resorts or frequenting its parks. However, Disney Cruise Line rewards repeat customers with various benefits, including a complimentary specialty dinner, free photo downloads and an exclusive terminal check-in area.
Castaway Club levels
The Castaway Club levels are Silver, Gold, Platinum and Pearl.
Silver
How to earn: Sail on one cruise.
Best benefits: Book cruises one day before the general public, online activity planning 90 days before sailing, check in 33 days early, exclusive terminal check-in.
Gold
How to earn: Sail on five to nine cruises.
Best benefits: Book cruises two days before the general public, online activity planning 105 days before sailing, check in 35 days early, onboard reception, special discounts.
Platinum
How to earn: Sail on 10 to 24 cruises.
Best benefits: Book cruises three days before the general public, online activity planning 120 days before sailing, check in 38 days early, complimentary specialty dinner.
Pearl
How to earn: Sail on 25+ cruises.
Best benefits: Book cruises four days before the general public, online activity planning 123 days before sailing, check in 40 days early, complimentary unlimited digital photo package.
What is the best Disney Cruise Line ship?
The Disney Wish is the newest Disney Cruise Line ship and certainly its best. It just launched in the summer of 2022. Among its many amenities, guests can find the first-ever Disney attraction at sea. It’s a 760-foot water slide filled with show scenes, lighting, music and more that touches down into a lazy river.
The Disney Wish also has dedicated areas themed for “Frozen,” the Marvel Universe and “Star Wars.”
In addition, the Disney Wish has all the regular amenities you’d expect on a Disney cruise, including live entertainment, pools and spacious staterooms.
Frequently asked questions
Does Disney Cruise Line have free Wi-Fi?
Disney Cruise Line does not offer free Wi-Fi. Instead, it has three levels of packages from which to choose:
Stay Connected: $10 per day for the entire cruise or $12 per day for a 24-hour period.
Basic Surf: $20 per day for the entire cruise or $24 per day for a 24-hour period.
Premium Surf: $30 per day for the entire cruise or $36 per day for a 24-hour period.
These packages are available on the Disney Wish, Disney Magic, Disney Fantasy and Disney Dream. The Disney Wonder still operates on the old data-usage Wi-Fi packages.
Is Disney Cruise Line all-inclusive?
Most of your daily expenses, including your food and non-alcoholic beverages, are included when sailing on a Disney cruise. However, if you’d like specialty drinks or alcohol, you’ll need to pay extra. Gratuities are not included, and Disney Cruise Line’s recommended tip is a minimum of $14.50 per guest, per night.
How much is the Disney Cruise Line drink package?
Disney Cruise Line doesn’t offer the standard drink package other cruise lines offer. Drink packages allow you to pay a flat-rate price and drink as much alcohol as you’d like.
Instead, you’ll either pay per drink or purchase bundled quantities onboard. It’s also possible to purchase a specialty beer mug at the pub onboard, which can then be refilled across the ship. Much like Disney’s popcorn buckets, your beer mugs entitle you to cheaper refills on all your beer.
Does Disney Cruise Line require COVID-19 vaccine or test?
In the past, Disney Cruise Line required that you be vaccinated or tested for COVID-19 before sailing, but this is no longer the case. Guests departing from the United States are not required to do either, though the cruise line highly encourages you to get vaccinated before sailing.
(Top photo courtesy of Disney Cruise Line)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Small spaces can often be challenging to navigate when it comes to organizing. You may find yourself staring at a sea of clutter amongst table tops and floor and drawer space. But don’t let that overwhelm you.
Whether in a smaller bungalow in Los Angeles or a studio apartment in Brooklyn, New York, this Redfin article unveils expert tips for effectively maximizing space in a small house. From no-lid containers to helping you organize vertically, let’s explore creative strategies that not only optimize space but also elevate the aesthetics and practicality of living in a small home.
1. Remove non-essentials
Before moving forward in your conquest of buying organizers, hooks, or other items to help maximize space in a small house, Daphne Valcin, Executive Coach, Consultant, and Corporate Trainer with Daphne Valcin Coaching, Inc. recommends removing non-essentials from cluttered areas. Not only is this going to offer a fresh slate to incorporate other organization methods into your home, but it will also help support your mental well-being.
Valcin says, “Recycling, scanning, or distributing extra items that take up too much space around areas such as a desk can create the mental space needed for greater productivity.”
2. Repurpose everyday items
If you’ve found items that are hard to part with, you could repurpose them into something useful (such as a storage object). Chris Szetela, Owner of Maid VIP, recommends embracing the “art of repurposing” and offers examples of transforming neglected items into something with a greater purpose.
He shares how, “an older ladder can be turned into a stylish bookshelf, or transform old mason jars into hanging bathroom organizers.” If you’re a fan of DIY projects, repurposing items adds an element of creativity and individuality to your space.
3. Implement a labeling strategy
Whether you repurposed items such as mason jars into storage containers or have purchased boxes to neatly store items, adding labels to these items can help you quickly and efficiently find what you’re looking for.
Francisco Ramirez with Ramirez Carpet Cleaning shares how labeling can benefit kitchen shelves and children’s playrooms. Ramirez adds to elevate your closet space, you can add labels such as “workout gear” to “formal wear,” making your life easier to navigate
4. Add shelves or hanging organizers to walls
When organizing, we often think “eye-level” and forget what’s above us (generally empty white walls). Leveraging vertical space can help you organize by utilizing longer, narrower segments of your home.
Ashley Rapp with Hello! Staging and Organizing suggests, “installing shelves or hanging organizers on walls to make use of unused vertical space.” Adding how vertical storage, “can be beneficial in small rooms and closets.”
5. Roll your clothes, don’t fold
While “folding clothes” is much more ingrained, it isn’t the only way to store your clothes and may not always be the most effective way. This is especially true when maximizing space in a small house.
Tatiana Vorobiova, Marketing Associate at Catherine’s Cleaning, shares how, “rolling clothes is suitable for anyone looking to maximize drawer space while maintaining visibility of all items.” She adds that rolling clothes suit those with limited drawer space, frequent travelers, and people who prefer a visual overview of their clothing options.
6. Maximize bathroom draw storage
If you live in a small home, you likely don’t have much extra storage space in your bathroom. And for those with multistep skincare routines, you may be in search of somewhere to store your products. Rather than having cluttered countertops, Tanya Lacourse with Violet Marsh Interiors shares how drawers are essential.
Organizing bathroom drawers with no-lid containers that house your products can help effectively find what you’re searching for. Consider having containers for AM products, PM products, make-up, and miscellaneous skincare or hair care products. Lastly, Lacourse adds that if you’re remodeling a bathroom, you’ll want to consider the vanities to have layers of drawers where space is not sparse.
7. Create a drop zone near your door or entryway
In the pursuit of optimizing space within a small house, the entryway often holds untapped potential. Transform this transitional area into a practical drop zone to effectively manage everyday essentials and prevent clutter from spreading throughout your home.
Betsy Buckley, Director of Business Operations for Coppery Sky Design and Remodeling, shares how carving out a niche in a hallway that feels like a natural drop zone with built-ins for everyday items that struggle to find a home can help with organization. From shoe bins to coat hooks, find relief knowing even the dirtier things will have a home.
8.Embrace vertical storage solutions in your kitchen
Kitchens are the heart of a home—where holidays are spent and memories are made. However, from pots and pans to an assortment of utensils, a kitchen can become one of the most cluttered places in a home – especially if you don’t have much space to begin with.
Barbara Metzel with Professional Organizing Plus shares how you can place items such as utensils or spices on hanging racks, magnetic spice containers on walls, or within pantries. Additionally, you’ll want to create pull-out pantries to easily store dry goods and continue the trend of maximizing vertical space.
While mortgage delinquencies inevitably continue to rise, foreclosure starts in relation to those figures have fallen, according to the FHFA September Foreclosure Prevention Report released today.
The report, which covers Fannie Mae and Freddie Mac’s 30.7 million residential mortgages, revealed that loans 60+ days delinquent (including those in BK and foreclosure) increased to 2.21 percent of the total portfolio as of the end of the third quarter.
That figure is up from 1.46 percent as of the end of the first quarter and 1.73 percent as of June 30.
Despite the rise in borrowers falling behind on their mortgage payments, foreclosure starts as a percent of loans 60+ days delinquent fell from 8.29 percent in the first quarter to 7.12 percent in the third quarter.
And loans for which foreclosure was completed stabilized at 2.55 percent between the second and third quarter after rising from 2.41 percent in the first quarter.
Fannie Mae’s Homesaver Advance Making Numbers Look Pretty?
However, loan modifications completed fell from 15,372 in the second quarter to just 13,450 in the third quarter, though loans reinstated via Fannie’s Homesaver Advance program skyrocketed, and accounted for 45 percent of all loss mitigation activity.
But it’s unclear whether an unsecured personal loan extended to an ailing borrower to temporarily cure a first lien loan will be enough to head off foreclosures over the long haul.
The number of more favorable (grain of salt) loan modifications completed in the third quarter have actually fallen from both the first and second quarter, and averaged just over 4,000 a month in the latest quarter.
Meanwhile, completed foreclosure sales averaged more than 15,500 a month in the third quarter, up about 5,000 per month from earlier this year.
So unless Homesaver Advance sees some serious long-term success, these seemingly optimistic numbers are nothing more than a false calm before a very real storm.
And the numbers look to get even more muddled thanks to the foreclosure moratorium imposed by the pair over the holidays.
In the heart of Florida’s Gulf Coast, Tampa is a city that embraces its history, celebrates culture, and exudes a unique charm that captures the essence of the Sunshine State From its pristine beaches with crystal-clear waters to its rich history and modern vibrancy, Tampa, FL, offers experiences that cater to residents and visitors alike. No matter what you like, there’s a lot to love about living in Tampa.
But what is Tampa known for? If you’re looking at homes for sale in Tampa or are just curious about what the city has to offer, this Redfin guide has everything you need to know. To give you a taste of what the area has to offer, read on for 10unique things to love about Tampa, FL.
1. Pristine beaches
Tampa Bay’s beaches are a treasure trove of natural beauty. Clearwater Beach, with its sugar-white sands and warm, clear water, offers a haven for beachgoers, swimmers, and water sports enthusiasts. Just south of Clearwater is St. Pete Beach, which has retro beachfront bars and panoramic sunsets. Lastly, Caladesi Island State Park, accessible by ferry, is a secluded paradise.
2. Historic Ybor City
One of Tampa’s greatest treasures is the neighborhood of Ybor City. Founded in the 1880s, this National Historic Landmark has a charm that echoes through its brick-lined streets and cigar factories turned boutiques, restaurants, and galleries. The area also pays homage to its multicultural heritage, blending Cuban, Italian, and Spanish influences. If you’re looking for a deeper look into the neighborhood, visit the Ybor City Museum State Park for guided tours that delve into its past.
3. Lively arts scene
Tampa’s arts scene is famous for its creativity, innovation, and cultural diversity. From world-class museums to street art festivals, the city’s commitment to developing the arts makes it a cultural hotspot that will leave a lasting impression. If you’re in the area or are considering moving to Tampa, you’re sure to find something to love.
Consider visiting the Florida Museum of Photographic Arts for exhibits that explore the human experience. Or if you’re in the mood for world-class performances, the David A. Straz, Jr. Center for the Performing Arts is in the place to be. No matter where you go in Tampa, you’ll find the best that art has to offer.
4. Unique museums
Tampa’s museums offer a window into various aspects of its history and culture, from ancient to more modern and eclectic. The most well known is the Tampa Museum of Art, which showcases an impressive collection of modern and contemporary artworks. The Henry B. Plant Museum, on the other hand, reveals the opulence of the Gilded Age. And for younger folks, the Glazer Children’s Museum inspires creativity and learning through interactive exhibits designed for young minds.
5. Events, parades, and festivals
Tampa is home to dozens of events, parades, and festivals year-round that celebrate holidays, historic events, and more.
Perhaps the largest event is the Gasparilla Pirate Fest, which takes place every year at the end of January. This is a revered Tampa tradition that embraces the mythical pirate Gaspar. Kicking off with a mock pirate invasion and flotilla, the festival boasts parades, live music,and street parties.
Other annual events include Oktoberfest Tampa, Santa Fest and Christmas Parade, and the Water Lantern Festival.
6. Thriving sports scene
Tampa Bay loves its sports teams, and has some of the best venues around. The Raymond James Stadium, home to the Tampa Bay Buccaneers, becomes a battleground for football enthusiasts. The Amalie Arena, home to the Tampa Bay Lightning, transforms into a haven for hockey fans. Baseball lovers flock to Tropicana Field to cheer on the Tampa Bay Rays.
There are also plenty of bars around the city to enjoy games with friends. Riveters is a favorite for locals on game day, and Prime Time Sports Grill offers over 65 TVs for optimal viewing.
7. Tampa Riverwalk
Tampa is known for its beautiful scenery and ocean views. The Tampa Riverwalk allows you to see the grandeur of the area while immersing yourself in local nature. The walk weaves a scenic pathway along the Hillsborough River through downtown, connecting notable landmarks such as the History Center, Fort Brooke Park, and the Curtis Hixon Waterfront Park. The walk’s picturesque vistas and charming ambiance make it a beloved spot for both locals and tourists.
8. The Florida Aquarium
The Florida Aquarium is a captivating aquatic wonderland. Its immersive exhibits showcase diverse marine ecosystems, from the Wetlands Trail to the Coral Reef Gallery. Interactive experiences, like swimming with sharks or touching stingrays, allow visitors to connect with marine life while promoting conservation awareness.
9. Culinary delights
Tampa’s culinary scene is a fusion of flavors that mirrors its cultural diversity. Sample fresh, native-inspired dishes at establishments like Ulele, or dive into the city’s Cuban heritage with the iconic Cuban sandwich at local spots like The Columbia Restaurant. And if you’re in the mood for fine dining, visit SiX Tampa or Oak and Ola.
10. Beautiful parks and preserves
Tampa’s commitment to preserving green spaces is evident in its parks, zoos, and nature preserves. The Lowry Park Zoo offers unique experiences, showcasing animals from around the world in naturalistic habitats. Lettuce Lake Park and Cypress Point Park provide serene retreats, with boardwalks, trails, and wildlife viewing opportunities.
For longer trips and adventures, consider visiting Alafia River State Park, Honeymoon Island State Park, or Fort De Soto Park. There are dozens of world-renowned parks and wildlife refuges within just a few hours of Tampa, so you’ll never run out of places to visit.
What is Tampa known for? Final thoughts
From the allure of Tampa Bay’s beaches to the vibrant heart of Ybor City, Tampa offers diverse experiences that cater to everyone. Whether you’re seeking cultural enrichment, outdoor adventures, or a taste of history, Tampa is the place for you.
“Combined with our capital, it will make us one of the best-capitalized players in the marketplace,” Garg told MPA in an interview via Zoom. “It will allow us to continue to double down on ‘one day mortgage’ which has become our flagship product, greater access to capital and something we’re really excited about being able … [Read more…]
Mortgage rates only kept climbing in the last week. Buyers in this real estate market notice these affordability changes, and so we can see in the data fewer home purchase offers, slightly climbing unsold inventory, and slightly more price reductions for the homes that are on the market. This is the same pattern as we talked about last week. The first half of the year had surprisingly resilient sales, but that is slowing again. Mortgage rates are at their highest level in 20 years because the economy just keeps reporting strong data. And every uptick in mortgage rates leads to a downtick in the number of home buyers in the market.
Rising rates make more inventory. So how much inventory will we add this fall? Well as of now, these slowing signals are subtle. This housing market is much different from last year at this time. Last year, rates climbed dramatically and so did inventory. Now rates are inching up, and so is inventory. If mortgage rates jump to say 8%, that’s when we’d see big changes in inventory and home prices. Keep watching these numbers here.
Inventory
Inventory of unsold homes on the market is ticking up. It now doesn’t look like next week will be the peak of inventory for the season. It looks like inventory will keep climbing into September. There are now 495,000 single-family homes unsold active on the market. Inventory rose by just under 1% again this week.
This inventory climb at the end of August is not unusual. It’s not a rapid rise, but it also doesn’t appear to be leveling off. Inventory often peaks the last week of August, the fall has fewer sellers and it keeps shrinking through the holidays. Now because mortgage rates have been notably climbing for the last several weeks, we also expect inventory to keep climbing into September as fewer buyers make offers on the existing inventory.
There are 10% fewer homes on the market now than last year at this time. Last year inventory spiked from March through July with spiking mortgage rates. Then it leveled off a bit. So this week inventory lost ground on last year. The inventory gain week to week was more than it was last year at this time. That’s the first time this happened in many months. Last week there were 10.5% fewer homes on the market, this week that’s only 10% fewer. This is one of the subtle signals that higher mortgage rates have slowed this year’s home buyers again.
To understand the future of housing inventory in this country remember the Altos Rule. The Altos rule says that the more available inventory of homes to buy is the result of higher mortgage rates. If rates climb, so does inventory. If rates fall, inventory will fall.
There are 365,000 single-family homes in contract now. That’s up a fraction from last week and 10% fewer than last year at this time. New pending sales of single-family homes going into contract this week came in at 63,000 vs 70,000 last year. In this chart, the height of each bar is the total number of homes in contract that week. The light red portion of the bar represents those newly in contract. The sales rate has slowed since rates did their latest jump of over 7%. In fact, I’d expect the NAR headlines to keep falling on the pending sales measure as well. We could see the sales rate tick down to four million annually on their seasonally adjusted annual rate in the next couple of months.
I’m looking forward to the time when the real-time data starts to grow and the sales rates look more bullish than the headlines, but that’s not happening yet. As we watch the new pending home sales data each week, the next trend we’ll be looking for is how quickly the new pending sales rate shrinks this autumn. See in the chart how the light red portion of each bar shrank so quickly last fall. We had some recovery in the first half of this year. We started the year with 30% fewer homes in contract.
That gap narrowed to just 10% fewer. But we’ve been unable to get closer than that. The market was accelerating this spring, but it is not doing so now. I suppose these negative swings are the other side of the coin for what I’ve called a soft landing in housing. Housing demand cratered, but home prices didn’t crash. Home prices declined in July and September last year, and recovered a bit in the first half of this year. Now demand is softening again and that will keep home prices from appreciating much from here.
American homebuyers are very sensitive to mortgage interest rates. And while higher mortgage rates have hurt affordability for so many, it’s really the change in rates that spur changes in demand. Early this year we had more home buyers than sellers, even with rates in the six-percent range. When rates jump to 7.2% that’s when we see the demand data react accordingly. So it’s not the absolute level, it’s the change in rates that we should be paying attention to.
Price
And we can see it in the home price reduction data too. Price reductions are about to inch above 2018 and 2019 again. 35.5% of the homes on the market have had price reductions. Price cuts always tick up late in the summer, and this year’s seasonal increase is speeding up just a bit with the recent higher mortgage rates. Each week we have slightly fewer buyers, making slightly fewer offers, so slightly more sellers cut their asking prices.
Watching this price reduction curve has been so valuable lately. So insightful. In this chart, each line is a year. You can see last year’s light red line started climbing in March. That told us the pandemic frenzy was over. In September last year, price reductions spiked again with mortgage rates. This year, the dark red curve showed us how rapidly the market was recovering. That told us there was a floor on how far home prices could fall. It really highlights how effective this stat is for understanding the future of home sales prices. Right now 35.5% of the homes on the market have had a price cut.
This is a totally normal level. It is rising, not rising fast, it’s not a strong signal, but it is rising faster than in recent years for August. That tells us that sellers are seeing fewer buyers than they anticipated. This buyer slowdown means any home price appreciation we’ve had year over year is weakening and may be in jeopardy.
Tracking price reductions on the listed homes on the market is really insightful at the local level too. Right now we can see for example that Austin Texas has the most price reductions of any big market and that seems to be climbing. You can use the Altos data to understand local differences which are so important right now.
The median price of single-family homes right now across the country is $449,900. That’s basically unchanged from last week and from last year. Prices tend to cluster around the big round numbers, in this case, $450,000, with a big group priced just under that for search purposes. So home prices are at this $450,000 plateau for a while. That’s the dark red line on this chart. See at the far right end the little plateau. Home sales prices in the future are falling because we can see the ask prices are very stable. Much more stable than they were last year at this time.
The median price of the newly listed cohort this week is $399,000 again that’s also unchanged from last week. That’s the light red line on this chart. The price of the newly listed homes is 1.3% higher than last year at this time. This is when homes go on the market, the sellers and the listing agents know where the demand is, where the buyers are and they price accordingly. So the price of the new listings is an excellent leading indicator of where home sales prices will be out in the future.
We’re in this tricky space looking at year over year home price changes now. Last year the market was slowing so quickly that the comparisons now to last year start to look easier. Prices were falling last year with frozen demand. This year the market is slowing gradually. You can expect that the annual home price appreciation would continue to improve even though the momentum is a bit negative right now. It looks like we’ll end 2023 with home prices up a few percent over where 2022 ended.
And when we look at the price trends for the homes going into contract, we can see the earliest proxy for the sales which will actually close and get recorded in September and October. You can see that the last several weeks have put a little downward pressure on what home buyers are willing to pay. See how the dark red line was above last year for a few months and then in recent weeks, the dark red line is compressing closer to the light red line. That’s sales prices giving up their annual gains with higher mortgage rates.
The median price of the homes that went into contract this week is $378,000. That’s up a tick from last week and over last year, but you can see in the chart the dark red line is drifting lower. Now, the sales comparison gets a lot easier in September when we had that big rate spike in 2022. So assuming we don’t have another mortgage rate spike, the annual price appreciation will continue to improve. On the other hand, if we see 8% mortgage rates, there’s no reason to believe that home prices can’t gap down again like they did last year.
Again this is a very clear reaction to the latest surge in mortgage rates. We have fewer buyers and those buyers are willing to pay just a little bit less. The opposite is true too. If rates were to drift lower, you can expect more buyers, less inventory, fewer price cuts and higher prices in data measures like this one the price of the newly pending sales each week. The data is very clear right now.