Tennessee is a state filled with rich history, vibrant music, and stunning natural beauty. Living in Tennessee offers a unique blend of cultural experiences and outdoor adventures. Whether you’re looking to rent in Nashville or searching for an apartment in Memphis, you’ll find that this state has something for everyone. Here are some fun facts about Tennessee that highlight its fascinating characteristics.
1. The Great Smoky Mountains are the most visited national park in the U.S.
The Great Smoky Mountains National Park attracts over 12 million visitors annually. It boasts more visitors than the Grand Canyon, Yellowstone, or Yosemite. The park spans over 500,000 acres across Tennessee and North Carolina. With diverse wildlife, it offers more than 800 miles of trails.
2. Tennessee is the birthplace of country music
The roots of country music run deep in Tennessee, especially in Nashville. The city is home to the Grand Ole Opry, the longest-running radio broadcast in U.S. history. Many legendary artists, including Johnny Cash and Dolly Parton, started their careers here. Today, Nashville is known as “Music City” for its top-notch music scene.
3. Graceland is one of the most visited homes in America
Elvis Presley’s Graceland in Memphis attracts over 650,000 visitors each year. Fans from around the world come to see the King of Rock ‘n’ Roll’s home. The mansion includes Elvis’ famous Jungle Room and his extensive car collection. Graceland has been a museum since 1982, offering tours of Elvis’ life and legacy.
4. Tennessee has more caves than any other state
With over 10,000 documented caves, Tennessee is a spelunker’s paradise. Many of these caves are open to the public for tours and exploration. The Cumberland Plateau region has the highest concentration of caves in the state. Tennessee’s caves feature stunning formations like stalactites and underground waterfalls.
5. The state is a major producer of whiskey
Tennessee whiskey is famous worldwide, with Jack Daniel’s being the most iconic brand. The state has strict regulations that define what qualifies as Tennessee whiskey. Distillers must use a charcoal-filtering process known as the Lincoln County Process. This gives Tennessee whiskey its distinctive smooth flavor.
6. Tennessee is home to the largest freshwater aquarium in the world
The Tennessee Aquarium in Chattanooga spans two buildings and houses over 12,000 animals. It includes a diverse range of exhibits, from river ecosystems to ocean habitats. The River Journey building focuses on freshwater species, while the Ocean Journey showcases marine life. Visitors can see everything from alligators to penguins.
7. The state was the last to secede and the first to rejoin the Union
During the Civil War, Tennessee had a unique position as a border state. It was the last state to secede from the Union in 1861. However, Tennessee was the first to rejoin the Union in 1866 after the war ended. Today, numerous Civil War sites and monuments can be found throughout Tennessee.
8. The Hermitage is one of the most well-preserved presidential homes
The Hermitage, located near Nashville, was the home of President Andrew Jackson. It is now a museum that offers a glimpse into the life of the seventh U.S. president. The mansion and its grounds have been meticulously preserved, with many original furnishings. Visitors can explore the house, gardens, and Jackson’s tomb.
9. A Tennessee town shares its name with a popular candy company
The town of Sweetwater, TN, shares its name with a well-known candy company. Although not directly related to the candy, the town has embraced the sweet connection. Sweetwater is known for its charming downtown and historic architecture. The town also hosts an annual festival called the Sweetwater Sweet Corn Festival.
10. The state has its own official state dance
The official state dance of Tennessee is the square dance. This traditional dance form has deep roots in the state’s rural communities. Square dancing is often accompanied by lively country music. Many schools in Tennessee teach square dancing as part of their physical education curriculum.
11. The Lost Sea is the largest underground lake in the U.S.
Located in Craighead Caverns, the Lost Sea covers over four acres. It is part of a vast cave system that has been explored for centuries. Visitors can take boat tours on the crystal-clear waters of the lake. The Lost Sea is recognized as a National Natural Landmark. It’s a unique and fascinating natural wonder in Tennessee.
12. Tennessee is famous for its hot chicken
Nashville hot chicken is a spicy fried chicken dish that has become a culinary icon. The dish originated in Nashville and has gained popularity nationwide. Hot chicken is known for its fiery heat, achieved by coating the chicken in a spicy paste. Many restaurants in Nashville specialize in hot chicken, each with its own twist. The dish has inspired festivals, cook-offs, and even a dedicated Hot Chicken Week.
13. The state is home to one of the longest pedestrian bridges in the country
The Walnut Street Bridge in Chattanooga spans the Tennessee River. It is one of the the longest pedestrian-only bridges in the U.S., stretching 2,376 feet. The bridge was built in 1891 and was later converted into a pedestrian bridge in the 1990s. It offers stunning views of the river and the surrounding city. The bridge is a popular spot for walking, jogging, and community events.
14. Tennessee has a thriving film industry
Nashville, Memphis, and other parts of Tennessee have become popular filming locations. The state offers a diverse range of landscapes, from urban settings to rural countryside. Many movies and TV shows, including “The Green Mile” and “Nashville,” were filmed here. Tennessee provides tax incentives to attract filmmakers to the state. The film industry contributes significantly to the local economy.
15. The state is known for its vibrant fall foliage
Tennessee’s fall season is a spectacle of stunning colors. The Great Smoky Mountains and other regions are popular destinations for leaf-peeping. The state’s diverse tree species create a stunning display of red, orange, and yellow leaves. Many people visit Tennessee in the fall to experience the scenic beauty.
The other day I noticed that mortgage rates were being advertised at some really low levels.
Many quotes in the mortgage rate table on my own site were in the mid-5s.
That got me curious how low rates could be with a really favorable loan scenario, such as a 760+ FICO, 20% down home purchase, owner-occupied, single-family residence.
So I headed over to Zillow’s Mortgage Marketplace to see what I could come up with.
Knowing that VA loan rates are typically the lowest, I threw that in too and lo and behold, saw 30-year fixed rates that began with a “4.”
I threw the screenshot up on Twitter and simply said, “Guys, it’s not a mortgage rate story anymore.”
What Did I Mean?
The tweet got a good amount of traction, likely because of those very low 4.875% 30-year fixed rate quotes in the screenshot.
And some felt it was deceiving to post rates like that, which might not be reflective of the entire borrower universe at the moment.
After all, not everyone has a 760 FICO score or the ability to put down 20%, nor might they be eligible for a VA loan.
I also threw in two discount points, since most of the low rates advertised today require the borrower to pay some money at closing in order to obtain a “below-market” rate.
In reality, you can put nothing down on a VA loan and get the same pricing since there aren’t mortgage pricing adjustments on such loans. The same goes for having a lower FICO score.
So the loan scenario wasn’t as crazy hard to qualify for as it first appeared. And when I re-ran the scenario today you could actually get a rate of 4.75% with just one discount point.
But that wasn’t even the point I was trying to make. It wasn’t about a 4.875% rate vs. 4.75% rate, or a 5.25% rate. Or any specific rate at all.
It was that the high mortgage rate story we’ve been fixated on for the past two hours is over.
The housing market today is no longer being driven by the high rate story. We exhausted it, first being caught off guard by how quickly rates increased in early 2022.
Then wondering how high they might go, if they’d hit a new 21st century high (they didn’t!).
That was followed by pondering when they’d begin to fall again (they peaked last October and have dropped quite a bit since then).
And so it’s not about rates anymore.
If It’s Not Rates, What Is It Now?
That brings me to my point. The housing market is now at a crossroads where high mortgage rates are no longer the focus.
Most prospective home buyers today will see that mortgage rates have come down significantly.
The 30-year fixed was basically averaging 8% just before last Halloween, and today is closer to 6.25%.
As I illustrated with some mortgage rate shopping, it’s also possible to bring down that rate to the high 4% range, or the very low 5s, even for conforming loans backed by Fannie and Freddie.
This means anyone who has been pondering a home purchase during the past couple years is no longer obsessed with rates.
Instead, they’re likely considering other factors, such as home prices, the cost of insurance, their job stability, the wider economy, and even the election.
If they were looking at homes when rates were closer to 8%, they’re surely still looking with rates approaching 5% (they could be there soon without all the perfect FICO scores and discount points).
But if they’re no longer looking to buy, or they’re having doubts, it’s not because of high mortgage rates anymore. Those are no longer to blame.
Perhaps now they’re worried that asking prices are too high and could fall. Maybe they’re concerned that the economy is on shaky ground and a recession is coming.
After all, there’s an expectation that the Fed is going to cut its own fed funds rate 200 basis points over the next year.
That doesn’t exactly exude consumer confidence.
We Finally Get to Find Out!
What I’m most excited about now that high mortgage rates are old news is that we finally get to “find out.”
By that, I mean we get to see how this housing market performs in a period of slowing economic growth, with Fed rate cuts and a possible recession on the table.
Remember, the Fed wouldn’t be cutting rates if they weren’t worried about rising unemployment and a softening economy.
In other words, we’re going to see what this housing market is really made of. As I’ve said many times before, there’s no inverse relationship between mortgage rates and home prices.
One does not go up if the other goes down. And vice versa. We already saw home prices continue to rise as mortgage rates jumped from 3% to 8%.
So is it possible that both mortgage rates and home prices could fall in tandem? Sure. Granted nominal home price declines aren’t common to begin with.
But we’re finally going to put it to the test. And I’m looking forward to it.
(photo: Brittany Stevens)
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Considering a move to Alaska? Known for its breathtaking landscapes and vast wilderness, life in the Last Frontier is unlike anywhere else in the U.S. From the allure of the Northern Lights in Fairbanks to the challenges of long, dark winters in Anchorage, Alaska is full of adventure and solitude. Whether you’re drawn to the rugged outdoor lifestyle or close-knit communities in towns like Sitka, here are the pros and cons to help you decide if Alaska is a good place to live.
Is Alaska a good place to live?
The cities in Alaska, though few in number, each have their own distinct vibe. Anchorage, the largest city, is a hub of activity, offering a mix of urban amenities and easy access to outdoor adventures. It’s a place where you can enjoy local coffee shops and craft breweries in the morning and be hiking a mountain by afternoon. Fairbanks, known for its stunning Northern Lights, has a more laid-back, frontier feel, with a strong connection to the arts and a thriving local music scene. The state capital, Juneau, nestled between towering mountains and the sea, is perfect for those who want remote living.
Alaska’s cultural scene is deeply influenced by Indigenous traditions, with frequent opportunities to experience Native Alaskan art, dance, and storytelling. The weather, however, is as diverse as the state itself. In Anchorage, winters are cold but manageable, with temperatures often hovering around freezing, while summers are mild and pleasantly warm. Fairbanks faces more extreme conditions, with frigid winters dropping to -40°F, balanced by surprisingly hot summers reaching the 80s.
Alaska state overview
Population
733,391
Biggest cities in Alaska
Anchorage, Fairbanks, Juneau
Average rent in Anchorage
$1,420
Average rent in Fairbanks
$1,100
Average rent in Juneau
$1,825
1. Pro: There is stunning natural beauty throughout the state
Alaska is home to some of the most breathtaking landscapes in the world. From Denali, the tallest peak in North America, to the fjords and glaciers of Kenai Fjords National Park, the natural scenery is unparalleled. Hiking, kayaking, and wildlife viewing are daily activities for residents, making the outdoors an integral part of life. Whether you’re on the coast or in the interior, the state’s unspoiled wilderness offers endless exploration.
2. Con: The winters are harsh here
Alaska’s winters are long, cold, and challenging, especially in the interior regions. Temperatures in places like Fairbanks can drop to -40°F, and snowfall can last well into the spring. The lack of daylight during winter months can also take a toll, with some areas experiencing only a few hours of sunlight each day. Residents must prepare their home for the winter, invest in heavy-duty winter gear, and strategize to manage the extreme conditions.
Insider tip: Many locals recommend using block heaters for your car to prevent the engine from freezing overnight. Invest in blackout curtains—not only to block out summer’s 24-hour daylight but also to keep warmth inside during the winter.
3. Pro: The Northern Lights are visible here
One of the most magical experiences in Alaska is witnessing the Northern Lights, or aurora borealis. Fairbanks is one of the best places in the world to view this natural phenomenon, with the lights visible on clear nights from September through April. Many residents and visitors make it a point to chase the auroras, using apps and forecasts to predict the best times for viewing. The vibrant colors dancing across the night sky make enduring Alaska’s harsh winters worth it for many.
Insider tip: Visit the Chena Hot Springs near Fairbanks, where you can soak in warm waters while watching the Northern Lights overhead—an unforgettable way to experience Alaska’s natural beauty.
4. Con: The cost of living is very high
Due to its remoteness, many goods have to be shipped into Alaska, driving up the cost of essentials like groceries and fuel. In rural areas, prices can be even higher, with simple items costing double what they might in the lower 48 states. In fact, the cost of living in Anchorage is 25% higher than the national average. Utilities, especially heating, are also more expensive due to the harsh climate. Even in bigger cities like Juneau, the rent is expensive with the one-bedroom apartment averaging $1,825 per month.
5. Pro: Beautiful wildlife fill the state
Alaska is home to an incredible array of wildlife, from grizzly bears and moose to whales and bald eagles. For nature lovers, the opportunity to see these animals in their natural habitat is a major pro to living in Alaska. Many residents encounter wildlife daily, whether spotting moose on their way to work or watching salmon runs during the summer. Wildlife viewing tours, fishing expeditions, and safaris are popular activities.
Insider scoop: Head to Katmai National Park in July to witness the famous bear-salmon feeding frenzy—truly an unforgettable sight.
6. Con: Midnight sun could be a downside
In the summer, parts of Alaska experience the “midnight sun,” where daylight lasts for nearly 24 hours. While some enjoy the extended daylight for outdoor activities, it can disrupt sleep schedules and lead to fatigue. Blackout curtains become a necessity, and many residents struggle with adjusting to the endless sunlight. This unique phenomenon can be overwhelming, especially for newcomers unaccustomed to the extreme light cycles.
7. Pro: There are no state income tax
One of the financial perks of living in Alaska is the absence of state income tax. This allows residents to keep more of their earnings, which can help offset the high cost of living. Additionally, most areas in Alaska also have no sales tax, including Anchorage and Fairbanks, making it an attractive option for those looking to maximize their take-home pay. These tax advantages are a major pro for individuals seeking financial benefits in their relocation.
8. Con: Isolation is common in Alaska
Alaska’s vast size and limited infrastructure can make many communities feel isolated. Some towns are accessible only by plane or boat such as Kodiak and Dutch Harbor. This isolation can lead to challenges in accessing goods, services, and healthcare. Even in larger cities like Anchorage, residents can feel disconnected from the rest of the country due to the long travel times and cost of flights.
9. Pro: Enjoy the Alaska Permanent Fund Dividend
Residents of Alaska benefit from the Alaska Permanent Fund Dividend (PFD), an annual payment distributed to Alaskans from state oil revenues. The amount varies each year but can provide a significant financial boost to residents. Many people use the PFD for expenses like heating bills, travel, or savings. This dividend is unique to Alaska and is a rewarding incentive for those who call the state home.
10. Con: Limited entertainment options
Alaska’s remote location and smaller population can mean fewer entertainment options compared to other states. While Anchorage offers some nightlife, theaters, and cultural events, rural areas have limited access to entertainment. Shopping malls, cinemas, and restaurants can be scarce, and residents often have to travel long distances for major events or attractions.
Insider tip: Many Alaskans create their own fun by embracing outdoor activities like hiking, fishing, and snowmobiling. In smaller towns, community events such as potlucks, local festivals, and game nights are popular ways to socialize.
Earning an MBA, or a Masters of Business Administration, degree can increase your salary, teach you specialized skills, and provide you with new career opportunities. But getting your MBA is expensive, with an average cost of $62,600 for a two-year program vs. $59,684 for a master’s degree in general. A degree from a top-tier school can be considerably more, with tuition and living expenses totaling $200,000 for the program.
Just how big of an MBA pay increase you’ll get in return depends on a number of factors, including the school you attend, the field you’re in, and your previous work experience. Here’s what to know about an MBA salary increase and how much you might expect to receive.
Value of an MBA Degree
An MBA degree can make you more marketable to employers, which can in turn help you land a better job and a higher salary, research shows. And while earning your degree can come with a hefty price tag, taking out MBA loans is one option to help you pay for it.
The median starting salary of recent MBA graduates in the U.S. is $120,000, according to the 2024 Corporate Recruiters Survey from the Graduate Management Admission Council (GMAC). That’s significantly more than the $69,320 starting salary of grads with a bachelor’s degree. Knowing how much you might earn could help you determine if an MBA is worth it.
An MBA can also help you advance in your career. The majority of employers in the GMAC survey said that MBA grads typically perform better and move up the ladder faster than other employees. That places them in high demand in the workplace. One-third of employers from across the globe reported that they plan to hire more MBA graduates in 2024 than they did in 2023.
Average Salary Increase with an MBA
Overall, MBA grads reported a median salary increase of 33% after earning their degree, according to the GMAC’s most recent Enrolled Students Report. Full-time MBA students had a 42% increase in salary, while those who worked and studied for their MBA at the same time said their salary increased by 29%.
However, the amount your salary might increase once you have an MBA depends on the field you’re in. Here’s a closer look.
Salary By Industry and Job Function
The following industries tend to pay well for those who have earned an MBA, making them some of the best jobs for MBA graduates.
Finance
Many MBA grads pursue a career in finance, and it can be lucrative. The average salary for an individual with an MBA in finance is $145,257, but the amount can be as much as $195,000, and that’s not counting possible commissions and bonuses.
Technology
Another hot field for those with an MBA is technology, especially as AI becomes more prevalent. The average salary for MBA grads in tech is about $118,000 a year. However, your MBA salary increase could run higher still and may even include a signing bonus.
Consulting
Those who work as consultants and have their MBA average about $83,797 annually, but the base pay can be as much as $117,000. A consultant’s salary may go up dramatically within a few years, especially if they work at a big firm.
Healthcare
Healthcare management is a popular job for MBA graduates. The average earnings are $88,000 per year, although it’s not uncommon for those in healthcare management to bring home a six-figure salary.
Marketing
After graduating with an MBA in marketing, your annual earnings will be approximately $130,721 on average, and they could be as much as $165,000. That’s well above the average marketing salary for those without a degree, which is $81,330.
Business
The salary for a business analyst with an MBA is $104,629 a year, although it can be as much as $128,000.
Accounting
If you earn an MBA in accounting, you could earn an average starting salary of $126,598. Your pay could even be as high as $166,000.
Factors Influencing MBA Salary Potential
In addition to the field you choose to work in, how much you’ll earn after getting your degree is influenced by such things as the MBA program you choose and your previous work history and salary.
These are the three major factors that can affect MBA salary potential.
School Reputation and Rankings
Although it’s likely to be pricier, going to a top-rated school to get your MBA can pay off in multiple ways. These schools tend to have robust networking programs and employer recruitment opportunities. Some colleges may help prospective graduates find internships and jobs. Also, grads from top 10 schools tend to earn more than those who attend other programs.
Before applying to an MBA program, do your research to see where recent alumni have ended up and which companies have recruitment relationships with the school. For instance, certain coveted employers might always attend a particular school’s job fairs. If a university has connections to companies you might be interested in working at, you may want to apply to their MBA program.
Specialization and Concentration
Every MBA program offers different classes, internships, and hands-on opportunities, and it’s important to look for ones tailored to your goals and career path. Choose a program with specialized concentrations in the field you’re most interested in. For instance, some MBA programs specialize in healthcare while others focus on finance.
If you’re currently in a field that you want to pivot out of — moving from marketing to consulting, say — an MBA could help with career change without going back to an entry-level job.
Work Experience and Performance
The more work experience you have, the more likely you are to score a higher salary once you get an MBA. This is especially true if that experience is relevant to the area of study you’re pursuing. Most people going for their MBA have about five years of experience on the job. And some MBA programs require students to have a certain number of years of work experience before they apply.
Your work performance is also a key factor in what you might earn after you obtain your degree. As mentioned above, employers in the GMAC survey found that MBA grads tended to be better performers on the job. High achievers are more likely to command a higher salary.
Maximizing Your MBA Salary Prospects
In addition to choosing the right MBA program, there are other steps you can take to land a good job and a higher salary when you graduate. Here are a few strategies that can help you get ahead.
• Take advantage of networking opportunities. Get to know your fellow classmates and connect with teachers and faculty members. Go to school gatherings, job fairs, and networking events. Find people who are in the field you’re in, and get to know them.Then make a point to stay in touch with the contacts you make. These people can be valuable resources over the course of your career.
• Apply for internships. Many MBA schools offer internship programs, and they typically expect students to take advantage of them if possible. An internship can give you real-world experience and also connect you to key contacts who may be able to help you find a job when the time comes.
• Seek out alumni. Make a list of the companies you’re interested in working for, and then search out any alumni of your school who work there. Ask to meet with them for coffee or an informational interview. Solicit their career advice. If you make a solid connection, they may keep you in mind for future job openings.
Choosing the Right MBA Program
It’s important to find an MBA program that fits your interests and goals. Look for programs that offer concentrations in the areas and fields you want to pursue. Then review the curriculum and the courses offered to make sure they appeal to you.
In addition, learn where graduates of the MBA program have ended up. What companies do they work for and what kinds of jobs do they have? You might even reach out to ask how they felt about the program and if they would recommend it.
Location
Where the school is located is also a prime consideration. If you’re working and going to school at the same time, you’ll need to find a program in your area. You could also explore top online MBA programs if you want to take advantage of a particular school’s offerings when you’re unable to attend it in person. These programs tend to cost $10,000 less than in-person ones, but you may miss out on networking opportunities.
If you’re a full-time student and you have the opportunity to move to attend school, you could choose an MBA program near the area where you hope to work. For instance, if you’d like to be employed in Silicon Valley, a school nearby might be a good choice for you. It may be easier to get an internship there as well as a job after graduation.
Cost
Of course, the cost of an MBA program is likely to be one of the most important factors in your decision. Beyond the tuition, find out the true cost of getting an MBA at any school you’re interested in. This includes living expenses, books, transportation, and so on.
How to Pay for Your MBA
There are a number of ways to pay for your MBA, such as scholarships, grants, and student loans. You may want to consider both federal and private student loans. Federal loans include Federal Direct PLUS loans for graduate students from the Department of Education. The maximum amount you can borrow with these loans is the cost of attendance, which is determined by the school minus any other financial aid you may have, and the loan’s interest rate is fixed.
Private student loans may have fixed or variable rates, and the MBA loan rates you might qualify for depend on your credit history, among other factors. These loans are offered by banks, credit unions, and online lenders. Be aware, though, that with private student loans, you will not have access to the same federal protections and programs you would with federal loans, including income-driven repayment plans. Also, if you refinance federal student loans with a private loan, you could pay more interest over the life of the loan, depending on its rate and term length.
Recommended: Scholarship Search Tool
The Takeaway
Earning an MBA may help you fulfill your career dreams and earn a higher salary. Research shows that the degree can increase your salary by about 33%, depending on such variables as the school you attend and the field you work in. But getting an MBA can be costly, averaging more than $60,000 for a two-year program, up to $200,000 for top-tier schools. So you’ll want to weigh the pros and cons.
If you decide that earning an MBA makes sense for you, there are ways to help cover the costs and develop a solid budget. You can explore all options, including scholarships, grants, and federal and private student loans, as well as refinancing your existing loans.
Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.
With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.
FAQ
What is the average starting salary with an MBA?
The median starting salary with an MBA is $120,000, according to the Graduate Management Admission Council’s 2024 Corporate Recruiters Survey. That’s far higher than the $69,320 starting salary of graduates with a bachelor’s degree.
Is an online MBA worth the investment?
Whether an online MBA program is worth the investment depends on the program you choose and what you hope to get out of it. Online programs offer greater flexibility and are typically less expensive than in-school programs. According to one estimate, online MBA programs tend to cost about $10,000 less. However, with an online program, you may not have access to all possible networking opportunities or the opportunity to speak with professors face to face. You may also feel less connected to the school and the overall experience.
How long does it take to recoup MBA program costs?
How long it takes to recoup MBA program costs is different for everyone, depending on the price of the program and the salary increase they enjoy after earning their degree. According to the Graduate Management Admission Council, it takes grads of two-year full-time MBA programs about three and a half years of working to recoup the cost. Those who enroll in online MBA programs recoup the cost in about two and a half years of work.
Photo credit: iStock/Xavier Lorenzo
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Are you looking for the best side hustles for moms? Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier. Whether…
Are you looking for the best side hustles for moms?
Being a mom is a full-time job, but that doesn’t mean you can’t make extra money on the side if you need to. Balancing work and family life can be tough, but finding a side hustle that fits your schedule can make it easier.
Whether you need to make money to pay the bills, if you’re looking to save for a vacation, or if you simply want to save more money, there are many side hustles that may fit what you’re looking for.
I am a mom and I have done many of the side jobs listed below. Some can be part-time, others full-time, so there is probably something on the list below that can work for you.
Best Side Hustles for Moms
Below are the best side hustles for moms.
1. Blogging
Blogging is a great way for moms to make money from home. It is what I personally do so that I can work from home and spend more time with my daughter.
For me, blogging lets me travel whenever I want, work on my own schedule, make good money, write about topics I enjoy, and I really love having a blogging business.
I started Making Sense of Cents in 2011, and since then, I’ve made over $5,000,000 from my blog. When I began, I had no idea it would turn out to be one of the best jobs for stay-at-home moms. Now, I am extremely grateful for this – and it all started as a side hustle!
One way to earn money with a blog (and this is my favorite way) is through affiliate marketing. This means you recommend products and get paid when someone buys through your link. It’s like earning a commission for sharing products you use and enjoy.
Another way to make money is by placing ads on your blog. As your blog gets more visitors, you can earn money from the ads.
Writing sponsored posts is another option. Companies pay you to write about their products or services (it’s a good idea to choose products that you believe in and that fit your blog’s theme).
Blogging takes time and effort, but it can be very rewarding. You get to be creative, connect with others, and make money doing something you love.
You can learn more about how to begin in my free How To Start a Blog Course here.
2. Sell printables
Selling printables on Etsy can be a great side hustle for moms. You can make extra money by creating and selling digital items like planners, calendars, and worksheets.
All you need is a computer and some design software, and you can work on it at your own pace and from the comfort of your home.
You don’t have to spend any money to start selling printables either.
This is a great way to make money from home because you only need to create one digital file for each product, and you can sell it as many times as you want. You don’t have to print or ship anything. Instead, you create the digital file, and the customer downloads it and handles the rest after buying it from you.
You can learn more at How I Make Money Selling Printables On Etsy.
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.
3. Proofreading
Proofreading is a great way to make some extra money from home. If you have an eye for detail, you can get paid to spot errors in text.
You don’t need a special degree to start proofreading. Many online companies hire beginners and this means you can get started without lots of experience. Plus, you can build up your skills and portfolio as you go.
The pay can vary. Some proofreaders earn $1,000 a month, while others make six-figure incomes. It depends on how much you work and your experience level. You can do this full-time or just as a part-time gig.
I know several proofreaders (who are moms) who started proofreading as a side hustle, and now it’s their full-time job. So, you can spend as little or as much time as you want growing this job.
You can learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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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.
4. Bookkeeping
Bookkeeping is a great side hustle for moms. It’s flexible and can be done from home.
Bookkeepers keep track of financial records for businesses. This includes recording transactions and balancing accounts.
Before you pass this by because you think you’re not qualified, you might be surprised to know that you don’t need to be an accountant or have any experience. Becoming a virtual bookkeeper is something you can learn from home.
You can learn more at How To Find Online Bookkeeping Jobs.
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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
5. Print-on-demand
Print-on-demand is a great side hustle for moms.
You can create your own designs and sell them on items like T-shirts, coffee mugs, and tote bags. Websites like Etsy make it easy to set up your own shop.
There’s no need to buy supplies or handle shipping. The print-on-demand company (like Printify) takes care of that for you. This means you can focus on being creative and taking care of your family.
Many moms find this side hustle to be simple and rewarding. You can work on it during nap times or after the kids go to bed. If you love designing, this can be a perfect fit for you.
You can learn more at How I Make $1,500 Monthly With My Print-On-Demand Business.
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This freebie will teach you about print-on-demand as well as give you a list of 17 hot-selling products you can sell via print on demand.
6. Run a dog treat bakery
Starting a dog treat bakery can be a fun and profitable side hustle. You can begin this business right from your kitchen so it’s perfect for moms looking to make some extra money.
This side job can be very flexible. You can choose to keep it small and earn $500 to $1,000 a month. Or, if you have more time, you can scale it up and make even more.
You can learn more at How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
Plus, you can sign up for this free training workshop that teaches you the small business plan for starting your own pet bakery.
7. Online survey taker
If you’re a mom looking to make some extra money from home, taking online surveys could be a side hustle.
Companies pay for your opinions on their products or services, which helps them improve and stay competitive. This side hustle is flexible, allowing you to fit it around your busy schedule, whether during nap times or after the kids go to bed.
No, you will not get rich taking surveys (this is not a lucrative side hustle, but it is very flexible!), but you may be able to earn around $50 to $100 per month by answering several surveys each week.
Surveys are almost always done online, and you’ll usually be answering multiple-choice questions or typing in quick answers about your daily life, like where you last shopped. To get started, you can sign up for several survey sites.
Some popular survey sites include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
IncomeFindr
User Interviews
While some surveys pay just a few cents, others can pay up to $20 or more, depending on how detailed and complex they are. This makes it a convenient way for moms to earn a little extra income in their spare time.
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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
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Once you complete five surveys, you’ve earned $5, which you can cash out using the payout options offered by the site (such as PayPal cash and free Amazon gift cards).
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Prime Opinion is a survey website that helps people to earn extra money by sharing their opinions at home. It’s a simple survey site to use: you share your thoughts, and they pay you for them.
8. Virtual assistant
A virtual assistant (VA) can do many tasks from home and this is a popular side hustle idea for moms. They may manage emails, set up appointments, create social media posts, handle customer service, and more. Many small businesses need help with these jobs.
Becoming a VA doesn’t require a lot of training. You just need good organizational skills and a reliable internet connection.
A big advantage of being a VA is flexibility. You can set your own hours and work when it’s best for you, so this makes it a perfect side hustle for busy moms.
You can learn more at Best Ways To Find Virtual Assistant Jobs.
9. Social media manager
Being a social media manager is a great side hustle for moms.
Many businesses need help with their social media accounts because they don’t have the time to keep up with posting and replying to messages, or they simply don’t have the expertise.
Tasks might include creating posts, scheduling them, and interacting with followers. Social media managers might also run ads and analyze their performance.
It’s a flexible job you can do from home, making it perfect for busy moms.
10. Affiliate marketing
Affiliate marketing is a great way for moms to make extra money.
With this side hustle, you promote products or services online. When someone buys through your link, you earn a commission.
You can get started by choosing products you like and trust. This makes it easier to talk about them. People will feel your enthusiasm and trust your recommendations.
Many moms start with their own blogs. You can write about things you know and enjoy. Topics like parenting, cooking, or fashion are good choices. You can add affiliate links in your blog posts where they fit naturally.
Social media is another place to use affiliate marketing. Sharing links on Instagram, Facebook, or Pinterest can reach a lot of people.
Affiliate marketing is flexible. You can do it at your own pace and schedule, so this is perfect if you have kids and need to work around their needs.
For me, I love affiliate marketing and I think it’s one of the best ways to make money online. I especially like how I can do work up front and make money years down the line from older blog posts. So, it is kind of like a form of semi-passive income.
If you want to learn more about affiliate marketing, I recommend signing up for Affiliate Marketing Tips For Bloggers – Free eBook.
11. Online tutoring
Online tutoring is a great side hustle for moms. You can teach different subjects from your own home and this flexible job allows you to set your own hours.
If you love math, science, or another subject, there are students looking for help. You don’t need to be a certified teacher, but having a good grasp of the subject is important.
Online tutoring also pays well. Average rates can range from $10 to $30 per hour, depending on the subject and your experience.
12. Pet sitting and dog walking
If you love animals, pet sitting and dog walking could be the perfect side hustle for you.
Pet sitting is when you look after a pet while the owner is away. This could mean feeding, playing with, and sometimes even staying overnight with the pet.
Dog walking is a bit different. You take dogs for walks, making sure they get exercise and fresh air.
Both of these jobs are flexible. You can take on as many or as few clients as you want. This makes it easy to balance with other responsibilities.
My husband’s mother is a dog walker and pet sitter on Rover (the popular dog walking app), and it always seems like she loves this side hustle. She really likes dogs, so it looks like fun to me.
You can learn more at 7 Best Dog Walking Apps To Make Extra Money.
13. Sell handmade crafts
Selling handmade crafts is a fun and creative way to make money as a mom. You can use your skills to create unique items that people love.
There are many types of crafts you can sell. Items like handmade jewelry, painted mason jars, or knit blankets can be very popular. If you’re good at sewing, you can make and sell upcycled clothing or custom pieces.
Selling classes or workshops is another option. If you’re skilled at a particular craft (like knitting), teaching others can be a rewarding side hustle.
You can learn more at 16 Best Things To Sell On Etsy To Make Money.
14. Transcribing
Transcribing is a great side hustle for moms working from home. This is where you transcribe audio files into text for clients.
To start, you only need a computer and good listening skills. Some companies hire beginners, so you don’t need experience.
The pay can vary. Some jobs pay per audio minute, while others pay per audio hour. Usually, though, you can make around $10 to $20 per hour.
Platforms like Rev, Scribie, and CrowdSurfWork are good places to begin.
Transcribing can be done at any time of day, making it flexible for moms. This makes it easy to fit around your family’s schedule.
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.
15. Photography
Photography can be a great side hustle for moms, and I personally know a few photographers who have very successful photography careers and are also mothers!
This is something you can learn, such as by shadowing another photographer or by taking classes in person or online. As you get better, you can sell your services to others. Portrait photography is a popular choice, such as with taking photos of families, kids, or even pets.
Event photography is another option. Birthdays, weddings, and parties usually need a photographer.
You can also sell your photos online. Websites like Shutterstock or Etsy allow you to earn money from your images. This way, you can work from home and on your own time.
You can learn more at 18 Ways To Get Paid To Take Pictures.
16. Clean homes
Cleaning homes can be a good side hustle if you enjoy tidying up. Many people need help keeping their houses clean but don’t have the time to do it themselves.
You can set your own hours, making it easy to fit into your daily schedule. You can start by selling your cleaning services to friends and family. Once you get some experience, you can expand your client base.
You don’t need much to start. Basic cleaning supplies and a positive attitude can go a long way. You can also charge by the hour or by the job, whichever works best for you and your clients.
I know several mothers who clean homes in their free time, and they like how they can find homes to clean that fit into their schedule (so, it can be flexible!).
17. Baby equipment rental
Renting out baby equipment can be a great way for moms to make extra cash. Many mothers likely already have a bunch of different baby items at home, so they can make money with them when they are not being used.
Platforms like BabyQuip help connect you with families who need baby gear when they travel. You can rent out items such as strollers, cribs, car seats, and even toys.
You earn money based on how often your items are rented. The more popular the equipment and the busier the travel season, the more you could earn.
Some top providers make over $10,000 a month by renting out baby gear (at this level, they are definitely buying things with the sole purpose of renting them out, though, and not just renting out things they have just laying around their homes).
18. Book author
As a mom, becoming a book author can be a great side hustle. You get to share your stories or knowledge while working from home.
You can write about anything that interests you. Whether it’s a children’s book, a novel, or a guide on something you know a lot about, there’s a place for your work. You could even write romance novels!
Income from book sales can vary. New authors might see $0 to $500 a month, while experienced authors can make between $1,000 and $10,000 per month.
Writing a book does take time and effort. You might need to write during nap times, after the kids go to bed, or when they are in school.
19. Real estate agent
Becoming a real estate agent can be a great side gig for moms. You get to help people buy, sell, or rent properties. You can set your own hours, which is perfect for balancing work and family time. Plus, the more properties you sell, the more money you can make.
You can start part-time and grow your business as you gain experience. Real estate agents usually earn commissions, so your income can vary. It’s possible to earn a lot if you work hard and build good relationships with your clients.
20. Travel agent
Being a travel agent from home is a great side hustle for moms. You help people plan their trips, find the best deals, and book their vacations.
It’s ideal for moms who love to travel and know how to find great deals. If you have experience planning trips, this can be a rewarding way to earn money.
21. Freelance writing
Freelance writing is a great side hustle for moms, and I think it’s one of the most realistic jobs for stay-at-home moms. It lets you work from home on your own schedule, so if you love to write, this could be a perfect fit.
You can write many things like blog posts, articles, or website content. The pay can start from around $50 per article but can go up to over $1,000. As you gain more experience, you might earn even more.
One big advantage of becoming a freelance writer is the flexibility. You can work when your kids are napping or busy with activities. This makes freelance writing great for busy moms.
You don’t need a lot to start either, which is nice. A computer and internet connection are enough.
I have been a freelance writer for years, and I think it’s a great way to make money as a mom.
You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).
Time Management Tips for Moms
As you may have noticed above, there are a lot of different side hustles for moms.
But, how can you fit them into your already busy schedule?
I get it. Being a mom is hard work, and you may feel scattered already.
Managing time can be tough for moms who have a lot to handle. Here are some simple tips to help you stay organized and use your time wisely.
Creating a schedule
I recommend that you start by creating a weekly schedule. Write down everything you need to do, like work, family time, and personal tasks. You may want to use a planner or a digital app to keep it all organized.
Then, allocate specific times for your side hustle. It could be during your child’s nap time or after they’ve gone to bed. Consistency helps in sticking to your plan.
Don’t forget to schedule some “me time.” Whether it’s reading a book or going for a walk, taking breaks can help you recharge.
Review your schedule at the end of each week. Adjust what didn’t work and keep improving. This way, you’ll find a rhythm that suits you best.
Balancing work and family
Balancing work and family is important. I recommend that you set clear boundaries between work time and family time. Let your family know when you’ll be working on your side hustle so they can respect that time.
You may want to find activities for your children that don’t need constant supervision. This can give you pockets of time to focus on your tasks.
Another way is to prioritize tasks based on importance. Use to-do lists to keep track of what needs to get done. Tasks with tight deadlines should come first. For me, I have a constant to-do list on my phone, and I find that helps me remember everything as well as prioritize everything that I have going on.
To balance work and family, you will want to remember to have family activities. Movie nights or game days can strengthen family bonds and make up for the time you are working. Quality time with family is just as important as work.
Time management is about finding balance and being flexible. What works for one mom might not work for another, so keep adjusting until you find what works best for you.
Frequently Asked Questions
Below are answers to common questions about side hustles for moms.
How can moms make money on the side?
There are many ways for moms to make money on the side, such as starting a blog, selling handmade crafts, selling printables on Etsy, proofreading, bookkeeping, freelance writing, tutoring, dog walking, photography, and more.
What are some flexible ways for moms to earn money at home?
There are many ways for moms to earn money from home. They could start a bookkeeping business, sell online courses, start a blog, transcribe, or even work with print-on-demand services to sell custom-designed items.
Can you list creative side jobs for stay-at-home moms?
Some creative side jobs for moms include blogging, making and selling printables, baking (and selling) dog treats, graphic design, voice-over work, and starting a YouTube channel.
How do working moms find time for side jobs?
Working moms can find time for side jobs by finding small pockets of time during the day, like when the kids are napping or after they go to bed. Using a planner can help organize your time and set achievable goals to keep on track.
What’s the easiest side hustle for moms with no previous experience?
Taking online surveys or becoming a virtual assistant are great options for moms with no prior experience. These jobs are easy to start and require little to no training.
How can a stay-at-home mom make $2,000 a month?
To make $2,000 a month, a mom could sell multiple services like bookkeeping, proofreading, or selling a range of products such as printables and crafts. Combining several side hustles can help you reach this goal. Or, you could focus on a single side job and spend more time on it.
How can a SAHM be financially independent?
A mom can definitely become financially independent. This is possible by diversifying their income streams. They can sell products online, sell freelance services (like writing or bookkeeping), or even invest some time into building a successful blog or YouTube channel.
How To Find Side Hustles for Moms – Summary
I hope you enjoyed this article on the best side hustles for moms.
Finding the right side hustle can make a big difference for moms who want to earn extra money while still focusing on their families.
Many of the side hustles for moms above have a lot of flexibility, the chance to work from home, and the opportunity to do what you love.
Whether you start a blog, sell handmade crafts, or become a virtual assistant, there’s a side hustle that can fit into your busy life.
What do you think are the best side hustles for moms?
If you’re thinking about purchasing a property, you’ve likely sifted through available home loan options to determine what’s best.
There are lots of loan types of choose from, including conventional loans (those not backed by the government) and government-backed loans, such as FHA, USDA, and VA loans.
While each have their pros and cons, there is one hidden danger to taking out an FHA loan, especially if you’re buying a home as opposed to refinancing an existing loan.
In competitive markets where there are multiple bidders vying for the same property, the financing you choose matters.
Sellers want assurances that you can actually close your loan, and that could make or break your offer.
Home Sellers Care What Type of Mortgage You Use
Over the past decade, home buying has been very competitive. It’s been a seller’s market for as long as I can remember.
In fact, even when the housing market bottomed in 2012-2013, it was still difficult to find a property.
While short sales and foreclosures were prevalent then, inventory was still relatively scarce and many savvy buyers entered the fray quickly to scoop up bargains.
Over the years, it has only gotten worse, thanks in part to underbuilding since the mortgage crisis, and also due to record low mortgage rates.
That combination of limited inventory and low mortgage rates propelled home buyer demand to new heights.
And the fact that millions were entering the prime home buying age (of 34 years old) didn’t help either.
Long story short, you’ll often face other bidders when making an offer on a home. And one of the things sellers look at when evaluating offers is financing.
How will you be able to afford the property. Will you pay with cash? Probably not, but know that cash is king and will make your offer stand out above the rest.
A close second might be putting 20% down on the home purchase because it shows you’ve got a lot of skin in the game and assets in the bank.
It also provides wiggle-room should the appraisal come in low, allowing you to retool the loan amount as necessary.
Further down the pecking order are FHA loans, which allow borrowers to come in with just a 3.5% down payment and FICO score as low as 580.
While that’s great for borrowers in need of flexible underwriting guidelines, sellers might not be as keen. After all, they need the loan to fund to sell the property!
FHA Loans Have a Negative Stigma
That brings me to a new report from the Consumer Federation of America (CFA), which “highlights the stigmatization of FHA loans,” especially in competitive housing markets.
The graph above shows how FHA lending was popular when banks were risk-averse post-crisis, but fell off once conditions improved, possibly because such buyers were outbid by those using conventional financing.
In addition, they found that FHA lending is less common in more affluent communities or those that are predominantly white.
This means minority individuals may be relegated to less desirable neighborhoods, where seller’s agents are more familiar and willing to work with borrowers who need FHA loans to qualify.
The result is the unintended effect of “perpetuating socio-economic and racial segregation” in the housing market.
There are a couple main issues that drive this negative perception of FHA loans, per the CFA.
One is that the FHA includes a mandatory inspection as part of the appraisal process to establish minimum property requirements.
While it’s not necessarily an intensive inspection, it does require the property being financed by an FHA loan be “safe, sound, and secure.”
So things like access to clean drinking water and working appliances, and no hazards like lead-based paint or overhead power lines.
Some of these items might wind up being a nuisance for the seller, who must now either repair/resolve the issue or work out an arrangement with the buyer. The CFA notes that sellers aren’t “financially liable to make all repairs.”
But nonetheless, it can present an unnecessary roadblock and put a deal in jeopardy, especially if the buyer is already lacking funds.
That brings us to the second issue, which is that real estate agents have a “perceived stigma about FHA mortgages and their buyers.”
Some look at it like a loan program for less qualified applicants, or a government program (which it is) riddled with bureaucracy or inefficiencies.
In turn, it becomes a sort of self-fulfilling prophecy where such applicants might be avoided and then only bid on homes in less desirable areas.
These areas then see a high concentration of FHA loans as a result, and such loans become further stigmatized because agents in the “good areas” don’t deal with them.
If they are to make their way into a desirable neighborhood and/or home, they might find that they need to “overbid” to get their offer accepted.
What’s the Solution to Make FHA Loans Less Discriminatory?
The CFA came up with four policy recommendations to level the playing field for FHA loans, which they argue have helped millions purchase a home.
They believe more states and cities should pass “source of income” or “source of financing” anti- discrimination statutes, which make it illegal to refuse to rent/sell/lease based on income used.
Originally intended to protect renters using things like subsidized Section 8 vouchers, it could apply to home buyers using government-insured mortgages.
For example, preventing anti-FHA language in an MLS listing or real estate advertisement.
The next step is to “simplify FHA inspection criteria” to reduce potential hurdles for home buyers.
Another measure would be for real estate agent trade groups to dispel myths related to FHA loans and educate them on how to better work with FHA buyers.
Lastly, they argue that Congress/HUD should increase funding for Fair Housing Centers to investigate FHA home buying trends.
And if necessary, bring cases against offending real estate agents, lenders, brokers, etc. that perpetuate “financing discrimination.”
While I’m not opposed to their findings or their solutions, the bottom line is sellers will still gravitate towards the most creditworthy buyers.
Their agents will likely reinforce this as well when looking at multiple offers. As noted, the cash buyer will always be king. Then the 20% down buyer, assuming they have at least decent credit.
Unfortunately, the lowest rung tends to be the FHA buyer, who can get approved with a 580 FICO score and 3.5% down.
Conversely, a conventional loan buyer using a loan backed by Fannie Mae or Freddie Mac needs a 620 FICO score. And there are fewer hoops to jump through in terms of a mandatory inspection being part of the appraisal.
So in practice, while FHA buyers shouldn’t be discriminated against, they will still be lowest in the pecking order when a seller evaluates offers, all else equal.
Perhaps some of the proposed solutions will help, but if sellers and their agents look at the loan like an underwriter would, and see a lower credit score combined with little money down, they might be less inclined to accept the offer.
And that’s not necessarily a bad approach or discriminatory. It’s weighing the options and determining which buyer has the best approval odds, which gets the home sold.
Make Yourself a Better Borrower Before You Apply for a Mortgage
While there are no doubt issues that need to be addressed and resolved in the lending space, there are some actionable things you can do on your own.
Often, FHA loans are used because the borrower doesn’t qualify for conventional financing.
And sometimes this is due to a low credit score, as the chart above shows even high-income earners often wind up with FHA loans.
So something prospective home buyers can do is work on their credit before they apply for a home loan to ensure their three scores are all 620+.
At the same time, they can better educate themselves on their options so they’ll know if they’re eligible for a conforming loan before speaking to a lender.
Or they can outright ask the loan officer or mortgage broker if they qualify for a loan backed by Fannie Mae or Freddie Mac. And if not, why not?
If you get your ducks in a row early on, you’ll have more lending options at your disposal and be less impacted by any stigma attached to a given financing type.
You may even score a lower mortgage rate and get your offer accepted by the home seller in the process!
Read on: Conventional vs. FHA Pros and Cons
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Ensuring your home is safe and comfortable for your pet involves more than just providing food and water. A truly pet-friendly home requires thoughtful planning and adjustments to create an environment where your pet can thrive. Whether you are looking at homes for sale in Seattle, already renting an apartment in Boston, or moving to a rental house in Little Rock, here’s a comprehensive guide to pet-proofing your home, covering everything from furniture choices fit for your established dog to safety measures and grooming practices for your new kitten.
The basics: creating space for your pet
First and foremost, your pet needs a space to call their own. “To make your home more pet-friendly, it’s essential to create a safe and comfortable environment for your furry friend. Start by using pet-friendly furniture and flooring that can withstand wear and tear,” shared the team at Purrfect Grooming.
One tip for ensuring that your pet is comfortable is to designate specific areas for your pet in your home. Vânia Boto from 4EveryPet suggests that you “provide a comfortable and secure environment for your pet to relax in, such as a cozy bed, a place to hide when they feel insecure, fresh water, and safe toys. For cats, add scratching areas where they can have fun.” Regular maintenance of your pets’ areas will promote cleanliness and comfort.
Invest in flooring and furniture for a pet-friendly home
Choosing the right materials when furnishing and designing your home can have great benefits for maintaining its integrity when you have pets. “Invest in pet-friendly furniture and flooring that can withstand scratches and stains, such as leather or microfiber couches and tile or laminate floors,” suggests Michael Darville from Burns Court Veterinary Care.
Klarice from Georgia Carpet Industries provided great insights on the best flooring options for pet parents:
“When choosing pet-friendly flooring, it’s essential to consider three key factors: maintenance, durability, and sound absorption. If you’re looking for carpet, Shaw Pet Perfect Plus Collection excels in sound absorption and is easy to maintain, making it a top choice.
If you’re looking for hard surface flooring there are two options depending on your budget and needs: Mohawk RevWood Premiere Laminate stands out for its durability and ease of cleaning and COREtec Soft Step Luxury Vinyl Collection combines all three elements — ease of maintenance, durability and sound absorption.”
Choosing the right flooring can prevent unnecessary wear and tear and is a great solution to aid in creating a pet-friendly home.
Don’t overlook pet-safe decor
Caleb Kidwell, owner of Pet Care for the Palm Beaches, chimed in with some additional tips for pet-safe decor for your home: “Swap out low-hanging drapes for cordless blinds to prevent potential accidents, and consider installing scratch-resistant flooring and stain-resistant fabrics for furniture, which not only protect your home but also reduce the stress of constant cleaning.”
Outfitting your home with pet-safety in mind can be challenging, however Dr. Sarah Wooten suggests that you “Get down on all fours and view your home from your pet’s point of view – you will see the world from a different perspective that may allow you to see hazards that you would otherwise miss.” Furniture and floors aren’t the only things to keep in mind when making your home pet-friendly, be sure to take note of the above advice when renovating and decorating your home for your pets safety!
Photo of Charles in Louie de Coton cooling sun shirt courtesy of Louie de Coton, shares some tips on how to choose the proper apparel for your furry friend:
“Puppies and small breeds: Puppies and smaller dog breeds often need extra warmth, especially in cooler climates. Sweaters and cozy jackets can help maintain their body temperature. Louie de Coton provides high-quality, soft, chemical-free clothing with body temperature regulators that are perfect for keeping your new pet comfortable during chilly days. Their sweaters and jackets are made from gentle, hypoallergenic materials that are both stylish and functional.
Protection from the elements: New pets, particularly those with short coats or sensitive skin, may benefit from raincoats or waterproof clothing to stay dry during walks in the rain. Louie de Coton’s raincoats are designed with both practicality and fashion in mind. They feature waterproof and windproof fabrics and comfortable fits to protect your pet from getting soaked, while still looking chic.”
Prioritize maintaining a safe environment
Pets are inquisitive creatures that can often find their noses sniffing in places that they shouldn’t be, so it’s important to keep this in mind when making a pet-friendly home. Josh Nolasco from Honest Renovations shared his thoughts on how to best create a hazard-free space for your pet: “Hide or secure electrical cords to prevent chewing, consider using cord protectors or cable management products. Also, using trash cans with secure lids or placing them in cabinets can help prevent pets from rummaging through them.”
Tori Levitt, Chief Kindness Officer & Concierge at Doolittle’s Doghouse notes that “Providing a safe haven for the family pet is as critical as proper nutrition, daily exercise, mental stimulation and affection. Some tips for keeping them safe include: removing toxic plants, both indoors and out, and storing medications and cleaning products in high cabinets. Small objects can be choking hazards, especially those with batteries (like remote controls), and non-toxic cleaners are best for floors and surfaces pets are in close contact with. For pet parents looking to expand their knowledge on the best ways to care for their pets, the American Animal Hospital Association (AAHA) has great resources to explore.”
The team at DoggyLoveandMore also weighed in with their thoughts on this topic, as well as sharing some best practices for getting a new puppy acquainted with things outside of their new home: “Bringing a new fur baby home is so exciting but also overwhelming. Our top tips for new pet parents are to puppy proof your home by making sure kitchen cabinet doors are always closed, and placing plastic bags or anything they could choke on out of reach.”
Some other best practices include creating “designated spaces for your fur baby to eat, sleep, and play, which will help them to feel more comfortable & secure in their new home. Be sure to keep any potentially harmful items out of reach. Lastly, consider using baby gates to restrict access to certain areas, and pay close attention to household plants as some can be toxic to pets,” shared Bryten Hanson from Revive HQ. Zach from Romingo is also a proponent of using baby gates, adding that they help “prevent your pet from chewing on valuable furniture and support potty training. During the first few weeks, it’s important to limit your pup’s access to the entire home until they begin to learn the rules.”
Exercise consistency and patience
While bringing a new pet home is an exciting time for us humans, sometimes the adjustment period for your new buddy can be stressful. Being patient and exercising consistency are important for the long-term health and happiness of your pet. See the tips from our experts below to understand more:
Consistency is key: “When raising a puppy, consistency is key. While their cuteness can make it tempting to bend the rules, sticking to a routine helps your pup understand expectations and feel secure. Whether it’s meal times, potty training, or obedience commands, being consistent ensures your puppy develops good habits and grows into a well-behaved adult dog,” shares Siyen from Co Pet Parent.
Be patient: Jennifer from Unleashed with Love notes that “Bringing a new pet home is a lot like waiting for the mailman — patience is a must! While it might be familiar territory for you, it’s a whole new world for your furry friend. Set up a cozy, designated area where your pet can retreat to feel safe and secure. As little space and patience now will help build a tail-wagging, lifelong bond.”
Maintain your pet’s health through regular grooming
Another prudent tip is to ensure that your pet is on a grooming schedule. Sarah Hayden from Mobile Pet Shine details some important things to know about the benefits of keeping a tight grooming schedule for your fur baby: “Denver’s premier grooming service, Mobile Pet Shine, recommends setting your pets up on a grooming schedule. Regular bathing and brushing removes dirt, debris, and dead hair to prevent matting and reduce the likelihood of skin infections. Not only does routine grooming help keep your dogs and cats feeling their best, but it keeps your home clean as well. Pet hair and dander can cause air quality issues that affect your family’s health, along with clogging HVAC filters that impede your system’s efficiency.”
Grooming needs may vary depending on your pet and what they require. When determining a grooming schedule, there are variables to consider to make certain that you are providing your pet with optimal care. “Is your cat an indoor buddy, outdoor adventurer, or both? An outdoor cat will require baths more frequently,” notes Barbara Nyke from Barara Nyke Interiors & Design.
Barbara also shared that “The fur length of a longhaired cat requires more maintenance. My Betty, no longer prancing about on earth, was a gorgeous Maine Coon and needed regular brushing to prevent matting. Persian cats do as well.” Lastly, some conditions like skin problems, ticks and fleas may require additional grooming practices like bathing. However Barbara warns that bathing a cat may be more of a challenge than you are prepared to take on: “Personally, I only recommend bathing a cat if you have nerves of steel and you’re wearing body armor!!!”
In addition to maintaining the cleanliness of your home, ensuring that your pet is groomed is also crucial to your pets health. Our amazing experts at Purrfect Grooming, a prime resource for those local to the Florida area, recommend “Regular grooming, such as bathing and brushing, which helps maintain your pet’s hygiene and reduces shedding, keeping your home cleaner,” with Michael Darville from Burns Court Veterinary Care adding that “Grooming and bathing are essential to maintain your pet’s health and reduce shedding, but be cautious with over bathing, as it can dry out their skin. Lastly, avoiding using products with harsh chemicals or strong scents is crucial. This mindful approach to pet care protects your pet’s sensitive systems and shows your commitment to their well being.”
It’s not all about the fur. Trim their nails, too
When thinking about grooming your pet, don’t overlook the importance of keeping their nails trimmed, both for the health of your pet and your home. “If you have hardwood floors, rugs or nice couches, one of the best ways to keep them from getting damaged by your pups is to consistently trim their nails.
Long nails can scratch your floors, and they also make it easier for your pup to slide and get injured on slick surfaces. Dogs’ nails have a vein in them, so it’s important to keep them trimmed on a regular basis to make it easier to keep them short. The longer they grow, the harder they are to trim. If you’re uncomfortable trimming your own nails, check out your local groom shop like Paws ‘n’ Rec – your furry family member will love their s’paw day,” suggests Madison Velez from Paws ‘n’ Rec.
Avoid strong scents
As mentioned above, avoiding strong scents around your home is in your dog’s best interest. A dog’s nose is incredibly sensitive, with approximately 220 million olfactory receptors in their noses, compared to around 5 million in humans.
“When bringing a new dog home for the first time, it’s important to sniff out certain products to keep things safe and comfy. Strong-scented cleaning products can make your dog’s sensitive nose do backflips (and not the fun kind). Stick to pet-safe, unscented, or lightly scented cleaners to avoid turning your home into a nose-wrinkling zone,” notes Jennifer from Unleashed with Love.
Choose the right food
Choosing a nutritionally balanced food is imperative to ensuring the long-term health of your pet. With so many options on the market, making this decision can be a tough one. Luckily, pet expert Melinda Meltzer from Stay and Play Pet Sitting shared some tips to aid in picking the proper food for your pet: “The right food is imperative. Choosing the food that is complete nutritionally and offers all the vitamins – A, C, and E – that was formulated by a holistic vet is a sure fire way to reduce vet visits and the cost of being a pet parent.
With so many options on the market, it can be confusing on which is best for your pet-friendly home. A pet food without fillers, corn, or artificial colors is a great start. But changing food can cause stomach upset and a mess to clean up. So I recommend Life’s Abundance pet food, supplements and treats. The company has been around for over 20 years and never had a recall. As a pet care professional, with a good conscience and my expertise, I highly recommend it”
Positive reinforcement through toys and treats
Making sure that your pet stays entertained and amused will go a long way in creating a pet-friendly home. But don’t worry, great toys can be provided with a very modest investment on your part:
“You don’t have to break the bank to keep your new dog entertained — sometimes the best toys come from everyday items! Toilet paper rolls can be transformed into fun, DIY toys that will have your pup wagging with joy. Simply stuff them with treats or use them for a game of fetch, and watch as your dog enjoys a budget-friendly playtime. Creativity and a little bit of resourcefulness can turn simple items into hours of tail-wagging fun!” notes Jennifer from Unleashed with Love.
For cats, provide “Standard carpet covered posts with no levels, or multiple levels with scratching posts,” suggests Barbara Nyke from Barara Nyke Interiors & Design. She also shared that for an economical alternative, you can “make your own using twine wrapped around a post nailed down to a 12 x 12 covered plyboard. My Bullitt loves his recycled cardboard scratching board. When it’s all scratched out, it goes into the blue bin!”
Photo of Boone courtesy of Tara Lynn & Co.
To be sure that your pet is as satisfied as possible, tailor your toy and treat selections specifically to fit your pet. Tara Lynn, pet photographer at Tara Lynn and Co., advises to “Make sure you have age-appropriate toys and chew sticks or treats available. Puppies naturally love to chew as they lose their puppy teeth and older dogs can get bored. Having dog-specific chews available will encourage them to leave your shoes and furniture intact. For cats, a scratching post is a must to help them sharpen their claws without ruining your furniture.”
It’s no secret that pets love a good snack, healthy treats are a great source of pleasure and amusement for your furry friend. Melissa, owner of Dough ReMia has great advice for treating your pup:
“My words of advice for pet-proofing your home would be to make sure you stock up on healthy dog treats! I would make sure you have a designated area to keep your dog treats so that you are always prepared to reward their good behavior! As well, I would recommend that you store your dog treats in a cool, dry, safe place to maintain freshness. When you move into your new home, gradually offer dog treats to help your pup get acclimated more easily. This will help your dog feel more relaxed and have less stress/anxiety in their new environment. BONE Appetit!”
All in all, maintaining your pets health and well-being with engaging toys and tasty treats is a great practice!
Exercise your pet to keep them fit and fab
In the vein of keeping your pet adequately entertained, ensuring that they take part in a lot of exercise is a great way to fulfill both their mental and physical needs. Madison Velez shared additional information on the importance of keeping your dog tired. “A tired dog is a happy and less destructive dog. Many behavioral issues that impact our homes are the result of dogs with pent up energy. Coming home to a chewed up couch or new pair of shoes can often be avoided with longer walks, training sessions, or a few days a week at your local doggy daycare like Paws ‘n’ Rec, where dogs go to chase their dreams, not their tails.”
There are many ways to ensure that your pet gets adequate exercise, one of which is a walk around your neighborhood. Though we might not like doing it, one non-negotiable aspect of walking your dog is picking up their waste. Beth from the dooloop shares best practices for handling this challenging part of walking your dog:
“Making your dog a welcome addition to the neighborhood is all about training and responsibly dealing with their poop out on walks! Having a dooloop bag poop holder shows your neighbors that you’re taking care of your dog’s poo and maintaining leash control. The harsh truth is that there are many lazy reasons that people don’t scoop. Don’t be that person, it’s bad for the environment, neighborliness, and will make your beloved dog less welcome. Spread peace, not poo!”
The dooloop is a hands-free bag holder designed to keep your hands free of poop when out walking your furry companion, and is a great way to responsibly handle your dog’s waste on a walk.
Photo of the cavalier sisters sporting Louie de Coton courtesy of @coco_thecavie
Check out these additional suggestions from Fay Anderson on the best ways to keep your pet safe when walking: “Visibility is key for safety during evening or early morning walks. Reflective clothing or accessories can help ensure your pet is seen by others. Louie de Coton offers products with reflective properties that enhance visibility during low-light conditions. Their apparel and accessories are designed to be functional while maintaining the brand’s signature stylish look. Whether your pet needs protection from the elements, comfort for sensitive skin, or simply wants to look their best, Louie de Coton provides high-quality options that cater to every need.
Don’t turn a blind eye to socialization and training
Key aspects of owning a pet are adequate socialization and training. Ensuring that your dog is comfortable interacting with other humans and pets, especially when they are outside of the safe environment that you’ve built for this at home, will go a long way in contributing to your pets well-being. Below the team at DoggyLoveandMore share insight on some proven ways to socialize your pet:
“We recommend slowly introducing your pup to neighbors, other dogs and parks. Some pups and rescues love those things right away but others take time to build up their confidence. Let your pup test the waters at their own pace and before you know it, they’ll be leading you around the neighborhood instead of the other way around!”
Socialization and training go hand in hand when you are focused on welcoming a new pet for your home. Take heed of these important tips from Pet Parent Playbook when training your pet:
“Potty Training Basics: Start potty training right away! Take your puppy outside often, especially after meals and playtime. When they go potty outside, reward them with praise and treats.
Crate Training: Crate training can help with house training and give your pup a safe space. Introduce the crate slowly with positive reinforcement and never use it as a punishment.
Schedule and Routine: Set a regular schedule for feeding, playtime, and potty breaks. This will help your puppy feel secure and know what to expect.”
Utilize technology for a pet-friendly home
While caring for a pet can be incredibly fulfilling for pet parents, it most definitely comes with unique challenges. Fortunately, technology in this day and age makes this task easier than it ever has been in the past. “To truly pet-proof your home, think beyond the basics. Invest in smart technology like pet cameras to keep an eye on your furry friend even when you’re away. suggests Caleb Kidwell from Pet Care for the Palm Beaches.
Jennifer from Unleashed with Love also recommends pet cameras, noting that “For pet owners who find themselves missing their new furry friend when they’re away, interactive pet cameras are a game-changer. Not only can you check in on your pet’s adorable antics, but these cameras also help ensure they’re not turning your home into their own personal chew toy amusement park. With a quick glance, you can enjoy seeing those wagging tails and mischievous glances without the worry of a little canine chaos! One of our personal favorites is Furbo — it lets you toss treats and chat with your pups even when you’re not home!”
Cameras are not the only pet technology that can make your life easier when making a pet-friendly home; appliances like specialized vacuum cleaners and automatic feeders are other handy appliances to have around: “Regular grooming and bathing will help keep your pet comfortable and your home free from excess fur, but also investing in a high-quality vacuum specifically designed to handle pet hair will ensure your floors stay clean and fur-free! We also advise that you be cautious and keep any chocolate chip cookies out of reach!” shares Laurie Harris, founder of Maliko.
Barbara Nyke from Barara Nyke Interiors & Design also recommends investing in a feeder. “Automatic pet feeders are purrfect for both cat and dog kibble and come with a range of awesome features such as a variety of styles, different price points, and a common type are machines that dispense specified amounts of food- while other styles use multiple slots that you fill with food. In addition, some feeders can be programmed for several feedings per day. These feeders may have cameras, two-way audio, and other smart features! If an automatic pet feeder sounds like the perfect addition to your pet routine, we’d love to help you find the best fit.”
If you need some extra assistance maintaining the health of your pet, smart technology has many viable options to consider!
Create the perfect outdoor space for your pet
While making the interior of your home fit for habitation by your pet is of utmost importance, don’t forget to make necessary adjustments to any outdoor spaces that your dog may have access to. Steve from Fetch the Sun advises that “If you plan to have your dog spend a significant amount of time in your yard, ensure that they have access to adequate shade and water. Also, create a spot where they can lie down comfortably.
Consider building or purchasing a doghouse and keep their water bowl filled with clean, cool water. Always keep an eye on the weather if you plan on keeping your dog outside for extended periods; dogs can overheat easily, and colder temperatures can be dangerous for your pup.” Steve also warns to mitigate dangers in your outdoor space, sharing the following tips to keep your pet safe:
“Store chemicals away from areas your dog can access. These include, but are not limited to, pesticides, rat poison, weed killers, hot tub/pool chemicals, etc…
Remove toxic plants. Many types of lilies, daffodils, berries, and decorative flowers are dangerous for dogs to ingest.
If you live in an area where there is dangerous wildlife (coyotes, snakes, racoons, etc…), ensure you are taking steps to keep them out of your yard.
Clean up sharp tools and garden items when not in use.
Fill in holes.
Cover any outdoor wiring.”
Take measures to make travel and moving pet-friendly
Pets become accustomed to their surroundings and routines, and disruptions can cause them stress and unhappiness. Unfortunately, maintaining a completely stress-free environment is not possible at all times, so when events like travel and moving arise, do your best to make the changes as seamless as possible. “Moving is a very stressful time and pets feel your emotions. When you are stressed, they feel it. Try to keep your pets bed, and food in the same place until it is time to pack them up. Pack up your pets’ things last.” advises Rebeca Hennie from Dog Gone Taxi.
Rebeca also has you covered with suggestions to keep your pet as happy as possible during travel: “If flying with a pet – purchase a travel kennel 2-3 weeks in advance. Put your pets bedding inside so it knows this is a safe place. When it is time for the actual pet move day [this can be a different date than your move day] stay calm and don’t get too excited or emotional.
If you show that you are high on emotions, your pet will think something is wrong and that the kennel is not a safe place. If you are moving overseas, we recommend using a professional IPATA pet shipper like Dog Gone Taxi. By following these pet-proofing tips, you can create a safer, more comfortable environment for your pet.” Take some of the stress out of travel and moving with your pet by using the above tips and tricks!
Making a pet-friendly home: in a nutshell
Setting up a pet-friendly home is an essential step in creating a safe and welcoming environment for your furry friends. As is spelled out above by our knowledgeable experts, by incorporating the right furniture, flooring, and safety measures, you ensure that your pet’s space is both comfortable and secure. Take initiative to ensure that regular grooming and careful management of potential hazards are a part of your pet care routine, and embrace smart technology to aid in maintaining a well-organized space. With these strategies, you’ll be well on your way to making your home a happy haven for your beloved pets.
New Mexico is a state filled with rich culture, stunning landscapes, and fascinating history. Whether you’re looking to rent in Albuquerque or searching for an apartment in Santa Fe, living in New Mexico offers a unique experience. Here are 15 fun facts about New Mexico that highlight why it’s such an intriguing place to call home.
1. New Mexico has the oldest capital city in the United States
Santa Fe, established in 1610, holds the title of the oldest state capital in the country. The city’s rich history reflects a blend of Native American, Spanish, and Mexican cultures. Locals can explore centuries-old architecture and vibrant art scenes. Whether you stroll through historic plazas or visit renowned museums, Santa Fe offers a glimpse into the past.
2. New Mexico has more PhDs per capita than any other state
New Mexico’s rich academic environment attracts highly educated professionals. With Los Alamos National Laboratory and Sandia National Laboratories in the state, research opportunities abound. This concentration of knowledge fosters innovation and contributes to the state’s economy. New Mexico is filled with highly educated communities. The state’s commitment to education makes it a great place for lifelong learners.
3. New Mexico’s state question is “Red or Green?”
New Mexicans take their chile seriously. The unofficial state question, “Red or Green?” refers to the preferred type of chile sauce. Whether you choose red, green, or Christmas (both), the chile adds a distinctive flavor to New Mexican cuisine. You’ll find this question in restaurants across the state.
4. White Sands National Park is made of gypsum crystals
White Sands National Park features vast dunes of white gypsum sand. This unique environment covers 275 square miles in southern New Mexico. Gypsum rarely forms sand because it dissolves in water, but White Sands remains dry. The park offers activities like sand sledding and sunset watching. White Sands is truly a one-of-a-kind environment..
5. The world’s first atomic bomb was tested in New Mexico
The Trinity Test, conducted on July 16, 1945 west of Tularosa, NM, marked a significant moment in history. The test took place at the White Sands Proving Ground, now known as White Sands Missile Range. This event ushered in the Atomic Age. The site remains a symbol of scientific achievement and controversy.
6. Roswell is famous for its alleged UFO incident
Roswell, NM gained international attention after a mysterious object crashed near the town in 1947. The incident sparked widespread speculation about UFOs and extraterrestrial life. Today, Roswell embraces its UFO heritage with museums, festivals, and themed attractions. The city attracts tourists and UFO enthusiasts from all over the world.
7. New Mexico has 19 Native American pueblos
The state is home to 19 distinct pueblos, each with its own culture and traditions. These communities contribute significantly to New Mexico’s cultural identity. Many pueblos welcome visitors during feast days and cultural events. These celebrations provide a glimpse into centuries-old traditions.
8. The Rio Grande runs through the entire length of New Mexico
The Rio Grande is one of North America’s longest rivers. It runs 1,885 miles from Colorado to the Gulf of Mexico. In New Mexico, the river serves as a vital water source and recreational area. Popular activities include rafting, fishing, and hiking along its banks. The Rio Grande also forms part of the U.S.-Mexico border.
9. The state’s official nickname is “The Land of Enchantment”
New Mexico earned its nickname for its stunning landscapes and unique cultural blend. From deserts to mountains, the state’s natural beauty is unmatched. The nickname reflects the state’s ability to captivate both locals and visitors, and living in New Mexico means being surrounded by this enchanting environment daily.
10. Taos Pueblo is a UNESCO World Heritage Site
Taos Pueblo is one of the oldest continuously inhabited communities in the United States. The adobe buildings have stood for over 1,000 years. The pueblo’s residents maintain traditional ways of life, preserving their culture. Visitors can tour the site and learn about its rich history.
11. New Mexico has the largest hot air balloon festival in the world
The Albuquerque International Balloon Fiesta draws hundreds of hot air balloons every year. The event started in 1972 with just 13 balloons. Today, it’s a major attraction, featuring mass ascensions, nighttime glow events, and competitions. The festival takes place every October and attracts visitors from all over the globe. Watching the sky fill with colorful balloons is an unforgettable experience.
12. Georgia O’Keeffe found inspiration in New Mexico
Famed artist Georgia O’Keeffe called New Mexico home for many years. The state’s landscapes heavily influenced her work. Her paintings of deserts, mountains, and flowers capture the essence of New Mexico’s beauty. Today, you can visit the Georgia O’Keeffe Museum in Santa Fe. Her legacy remains a significant part of New Mexico’s artistic heritage.
13. The state has more cows than people
New Mexico’s rural areas are home to many cattle ranches. The state’s low population density means cows often outnumber people. Ranching is a significant part of New Mexico’s economy and culture.
14. Carlsbad Caverns contains over 119 caves
Carlsbad Caverns National Park, located west of Malaga, NM, is famous for its underground limestone caves. The park’s most popular cave, the Big Room, is over 4,000 feet long. Locals can explore the caves on guided or self-guided tours. The caverns offer stunning views of stalactites, stalagmites, and other formations.
15. New Mexico has three UNESCO World Heritage Sites
In addition to Taos Pueblo, and Carlsbad Caverns, New Mexico boasts an additional UNESCO World Heritage Site: Chaco Culture National Historic Park, which includes a number of culturally significant sites that Chacoans used for ceremonies, trade, and politics. These sites represent the state’s rich history and natural wonders.
A new paper from Yale professor Kelly Shue argues that consumers mistakenly wait to take out mortgages and other long-term loans when the Fed is expected to cut rates.
Their confusion seems to be related to conflating short-term and long-term rates, which don’t necessarily move in tandem.
In fact, short-term rate moves are typically already baked in to long-term rates, meaning there’s no need to wait until the cut is official for an even lower interest rate.
The savings of short-term rate cuts should already be reflected in the interest rate of a long-term loan such as a 30-year fixed mortgage.
Despite this, home buyers and even professional forecasters tend to get this wrong according to the research.
Short-Term Rates vs. Long-Term Rates
Consumers have long misunderstood the relationship between the Fed and mortgage rates.
Many incorrectly believe that the Fed directly controls mortgage rates. So when the Fed announces a rate cut, prospective home buyers expect mortgage rates to come down as well.
For example, the Fed is widely expected to lower its fed funds rate by 25 (or maybe 50 basis points) at its September 18th meeting.
When this takes place, there will be a slew of articles written about how “mortgage rates fall” and the like.
Some may even assume that the 30-year fixed fell by the same amount, whether it’s 0.25% or .50%.
So if the 30-year fixed was 6.50% the day before the meeting, a hypothetical home buyer might think the going rate is 6.25% or even 6% the next day.
In all likelihood, they’ll probably be disappointed if and when they speak to their loan officer or mortgage broker.
Chances are mortgage rates won’t budge much at all. And perhaps worse, they could actually rise after the Fed announces a rate cut!
This all has to do with short-term and long-term rates, with the fed funds rate a short-term rate and the 30-year fixed a long-term rate.
While they can impact one another, there isn’t a direct correlation. This is why you don’t hear mortgage rate experts telling you to use the fed funds rate to track mortgage rates.
Instead, the 10-year bond yield is a good way to track mortgage rates, since historically they have a very strong correlation.
Simply put, they are both long-term rates and function fairly similarly because many home loans are paid off in a decade or so despite being offered a full 30 years .
Should You Wait for the Fed to Cut Rates Before Refinancing (or Buying a Home)?
That brings us to consumer behavior surrounding rate cuts and hikes. Before we talk about rate cuts, which are finally on the table, let’s talk about rate hikes.
When the Fed is expected to hike rates, people tend to rush out and lock their loan before rates go up even more.
The researchers, which include Professor Shue, Richard Townsend, and Chen Wang, argue that this too is “a mistake.”
They note that knowing “that the Fed plans to gradually increase short rates does not mean that long rates will gradually increase in tandem.”
Conversely, they say “the long rate jumps immediately in response to such an announcement,” meaning there isn’t a rush to lock your rate before the Fed acts.
Now when we flip the script and consider a rate cut, the same logic applies. If you’re waiting to buy a home or refinance your mortgage due to an impending rate cut, it might be a mistake.
The Fed rate cuts are mostly telegraphed in advance and known to market participants. So there won’t be a big surprise on the day of the announcement that leads to a significant improvement.
At least not with regard to the rate cut announcement itself. This is why mortgage rates often defy logic on the day Fed announcements take place.
Sometimes the Fed raises its rate and mortgage rates fall. And sometimes the opposite happens.
And again, this is due to the disparity between short-term and long-term rates.
What About Long-Term Monetary Policy?
While I agree with the researchers on the point of short-term rate cuts already being baked in to longer-term rates like 30-year mortgages, there’s one other thing to consider.
The expected long-term monetary policy of the Fed. If they are just beginning to cut short-term rates, there is a chance long-term rates continue to improve over time.
I know, the researchers already debunked this with their talk about gradually increasing rates, saying people “fail to recognize that the current long rate already reflects future expected changes in short rates.”
And at the moment, the consensus is for the Fed to cut rates 200 basis points or more over the next year, per CME.
By the September 17th, 2025 meeting, the fed funds rate could be in a range of 3% to 3.25%, down from 5.25% to 5.50% currently.
Sure, you could argue that this too is somewhat baked in to long-term rates at the moment, but there’s still a degree of uncertainty.
If and when the Fed does actually begin cutting rates, instead of merely hinting at it, we could see longer-term rates trickle down further.
Of course, that will depend on economic data and things like inflation and unemployment, which will only reveal themselves over time.
But if you look at the rate tightening cycle, which involved 11 Fed rate hikes between early 2022 and mid-2023, you’d see that mortgage rates kept getting worse and worse.
Granted that too was driven by the underlying economic data, namely out-of-control inflation.
Still, the 30-year fixed surged from roughly 3% in early 2022 to around 8% during that span of time. So those who did go out and lock their rate ASAP were rewarded.
Even someone who chose to take out a 30-year fixed in March 2022 was able to snag a ~3% rate versus a rate of nearly 6% by as early as June of that same year.
In other words, what the Fed has already indicated might be baked in to rates today, but what we’ve yet to find out could push rates even lower as time goes on.
There’s no guarantee mortgage rates will continue to decrease from here, but it’s decently likely if economic data continues to come in cold.
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Delaware, often referred to as “The First State,” is a mix of small-town charm, historical significance, and coastal beauty. With its tax-friendly environment, proximity to major metropolitan areas, and miles of pristine beaches, Delaware provides a unique lifestyle. Whether you’re looking at homes for sale in Wilmington, considering renting a home in Newark, or touring apartments for rent in Dover, here’s what you need to know before moving to Delaware.
Delaware at a glance
Delaware’s coastal living and historical richness, makes it a standout among the Mid-Atlantic states. Wilmington, with its vibrant arts scene and a growing economy driven by major corporations, offers a dynamic urban experience. Meanwhile, Dover, the state’s capital, preserves its historical charm with well-maintained colonial-era sites. The state’s eastern shores, including Rehoboth Beach and Bethany Beach, are famous for their sandy beaches, boardwalks, and seasonal festivals that draw visitors from across the region.
The cost of living in Delaware varies, with the northern part of the state, especially around Wilmington, being more expensive, while southern areas like Sussex County offer more affordable places to live. Delaware’s lack of sales tax is a major draw, especially for those who enjoy shopping. The small size of the state ensures that whether you’re interested in a beachside lifestyle, suburban comfort, or a bustling city environment, everything is within easy reach.
1. There’s no sales tax here
Delaware is one of the few states in the U.S. without a sales tax, which means that whether you’re buying a new TV or just doing your weekly grocery shopping, you won’t pay any extra at the register. This lack of sales tax makes Delaware a popular shopping destination for residents and visitors from nearby states. The savings can add up, especially for big-ticket items like electronics and appliances.
If you’re planning a move to Delaware, it’s important to weigh the pros and cons so you’ll know what to expect.
2. Beaches are a big deal
Delaware’s coastline is a significant attraction, with popular spots like Rehoboth Beach, Bethany Beach, and Lewes drawing both locals and tourists year-round. The beaches are known for their lively atmosphere, clean sands, and boardwalks filled with shops, restaurants, and entertainment. During the summer, these areas come alive with events such as the Rehoboth Beach Jazz Festival and outdoor concerts.
Insider scoop: To avoid the heavy summer traffic on Route 1, learn the backroads, which not only save time but also offer scenic views of Delaware’s coastal landscapes.
3. Delaware is close to major cities
Delaware’s strategic location on the East Coast puts residents within easy reach of several major metropolitan areas. Wilmington, the state’s largest city, is just a 30-minute drive from Philadelphia, and both Baltimore and Washington, D.C., are about two hours away. This proximity allows for convenient day trips, commuting options, and access to the cultural and professional opportunities these cities offer. Whether you’re looking to catch a Broadway show, visit a world-class museum, or attend a professional sports event, you’ll find that living in Delaware provides easy access.
4. Small town feel, big city access
Living in Delaware balances a lifestyle between the charm of small-town life and the conveniences of big-city access. Communities like Newark and Dover have a friendly, close-knit atmosphere where neighbors know each other, and local businesses thrive. Yet, you’re never too far from the excitement and opportunities of larger cities like Philadelphia and Baltimore. This combination makes Delaware appealing to those who want a quieter lifestyle without sacrificing the amenities and employment opportunities found in larger urban centers.
5. The state has a mild climate
Delaware enjoys a relatively mild climate, experiencing all four seasons without the extreme weather conditions found in many other parts of the country. Winters are generally moderate, with temperatures averaging between 30°F and 45°F, and occasional snow. Summers are warm, with temperatures typically ranging from 70°F to 85°F, but rarely reaching excessively hot levels. The state’s coastal location helps to temper the climate, making for pleasant springs and falls, where temperatures often hover between 50°F and 70°F—perfect for outdoor activities. This mild weather means residents can enjoy Delaware’s parks, beaches, and outdoor events year-round.
6. The cost of living varies by region
The cost of living in Delaware varies significantly across different regions. Wilmington, the state’s largest city, has a median home sale price of around $258,558 and a median rent for a one-bedroom apartment at $1,929. In contrast, Dover, the state capital, offers a more expensive lifestyle with a median home sale price of about $287,995 but a more affordable rental rate of $1,380. Beach towns like Rehoboth Beach, known for their seasonal appeal, have higher prices, where housing is about 21% higher than in Dover, illustrating the regional cost variations within Delaware.
7. The state is great for nature lovers
Delaware provides an abundance of outdoor activities, making it an ideal place for nature lovers. The state is home to numerous parks, nature reserves, and wildlife areas, including Cape Henlopen State Park, which offers miles of trails, beaches, and opportunities for fishing and birdwatching. The Delaware River and Bay also provide plenty of options for kayaking, boating, and fishing. Whether you enjoy hiking, cycling, or simply spending time outdoors, Delaware’s diverse landscapes and well-maintained parks offer plenty of opportunities to connect with nature.
Insider scoop: For frequent visitors, consider purchasing a Delaware State Park pass. It offers unlimited access to all state parks and can save you money if you plan to explore multiple locations throughout the year.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.