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Friendsgiving is the perfect opportunity to gather with your chosen family and celebrate gratitude in a relaxed, fun atmosphere. Unlike a traditional Thanksgiving, Friendsgiving is a more laid-back event, filled with laughter, and often reflecting your group’s unique bond. Whether you’re hosting for the first time or looking to elevate your gathering, these tips from Rent. and the experts we interviewed will help you create a memorable and stress-free event.

Interested in moving to one of these hot U.S. markets before the holidays? Check out:

Apartments for rent in Jacksonville, FL | Houses for rent in Atlanta, GA | Homes for sale in Phoenix, AZ

The history of Friendsgiving

Friendsgiving is a relatively new tradition, one that has quickly become a beloved part of fall for many. It’s thought to have started gaining popularity in the early 2000s, with the name “Friendsgiving” formally recognized around 2011. The holiday brings together elements of Thanksgiving but emphasizes celebrating with friends.

Often held before or after the official holiday, Friendsgiving is for those who can’t make it home or want to celebrate with their chosen family. The casual and collaborative spirit of Friendsgiving is what makes it special — there’s less pressure, more flexibility, and a stronger focus on fun.

Hosting a successful Friendsgiving

Hosting a Friendsgiving can be as simple or elaborate as you want it to be. Whether you’re aiming for a cozy gathering with a few close friends or a big, lively event, the key is to focus on delicious food, great company, and creating an atmosphere that feels warm and welcoming.

Planning the menu

One of the defining features of Friendsgiving is the potluck-style meal. Rather than taking on the daunting task of preparing an entire Thanksgiving dinner yourself, invite your guests to contribute dishes. This not only lightens your load but also brings variety to the table. Be sure to coordinate with your friends so you don’t end up with five desserts and no sides.

As the host, you can focus on preparing the main course or signature dish. If a whole turkey feels like too much, consider roasting a turkey breast or trying a simpler option like roasted chicken or a vegetarian dish. To make things easier and ensure a stress-free event, it’s essential to prep as much as you can the day before. Dishes like stuffing, casseroles, and desserts can be made in advance, allowing you to relax and enjoy the day with your guests.

It’s also important to accommodate dietary restrictions. Check with your guests ahead of time to ensure everyone has something they can enjoy, whether it’s gluten-free, vegan, or allergy-friendly.

Lastly, don’t forget drinks — whether it’s a creative mocktail or festive cocktail for guests to sip on. “When hosting a Friendsgiving, it’s helpful to come up with a cocktail strategy that allows you to maximize having fun with your guests while not sacrificing the quality of your drinks,” Hannah Chamberlain with Spirited LA and Author of the new book, How to Be a Better Drinker, explains.

She adds, “I often like to start with a grand, festive punch, because it’s visually appealing, easy to make ahead of time, and it allows your guests to serve themselves so you’re not stuck behind the bar making drinks all evening. I also like to pre-batch a few bottles of freezer door martinis, manhattans, or negronis to easily pour for guests as the celebration goes later into the evening.”

Setting the scene

Friendsgiving decor should feel cozy and inviting rather than overly formal. There are a few different approaches to take when setting the scene for your Friendsgiving dinner. “Friendsgiving is the perfect opportunity to have fun with creating a festive tablescape. Play with themes, colors, and decor to create an ambiance that elevates the whole experience,” Stina, founder at Hello Lovely Living, shares.

Annie Linder, publisher and CEO of Mom’s First Steps, details her time and effort towards the tablescape’s visuals. “When decorating for Friendsgiving, I spend a lot of time focusing on the tablescape as it’s very visible throughout the gathering and sets the tone for the overall aesthetic. I always look for earthy, autumn-inspired colors that bring warmth to the table — think deep browns, warm reds, burnt orange, and gold accents. Layering textures such as woven placemats and linen napkins tied with twine add depth and dimension. Candles placed throughout the tablescape add the perfect warmth and glow. “

Beyond looking and feeling festive, it’s equally important to consider the mood and energy your tablescape can set for the evening. “As the founder of Von Gern Home, a luxury brand of table and home decor, I believe that the table is an outlet for our creativity and personality to shine,” Kira Fiaman shares.

Additionally, “My one key piece of advice is to make sure you know what you would like the energy of your tablescape to be and to stick to it. Start by selecting a placemat as the foundation of your festive table, as it sets the mood and serves as the starting point for crafting the entire experience.

Never set a table last minute. I love being creative with my tables and it’s one of the few things you can do for a dinner party well ahead of time. You’ll have the flexibility to get yourself ready and get whatever you are serving ready before the guests arrive. Finally, I would never set a table without some sort of candle on it. Whether it’s pillars, votives, or tapers, candlelight always makes for a far more special gathering.”

Bringing people together

Friendsgiving is more than just a meal; it’s about shared experiences and connection over perfection. “Use place cards to strategically seat your guests at the table next to someone they will enjoy talking with,” Lani Schreibstein, product and digital marketing manager of TableTopics® explains.

“Select a TableTopics® question card (or a few) that you think fits each guest best. Include each guest’s question card(s) as a part of their place setting to help spark fun conversations among your guests. To encourage a group conversation, open a set of TableTopics® and start the conversation off by pulling a random card, reading the question out loud, and answering it yourself. Others at the table will naturally join in by giving their answer or commenting on yours. We recommend TableTopics® Gratitude, Dinner Party, or Best Things Ever for a Friendsgiving full of stories and laughter.”

As the meal winds down, keep the energy flowing with a fun activity. “While of course, the meal will be the main event, you can level up your Friendsgiving with a fun and festive activity for your guests,” suggests Julie Stallman with Triangle Senior Year. “Create an instant photo booth with a Friendsgiving photo frame. Guests can pose and snap pictures as they arrive and mingle before the meal. Or, play Friendsgiving Bingo: did anyone wear stretchy pants on purpose? Bring a charcuterie board or get the hiccups?”

Another idea is to incorporate a moment of gratitude, which can even be incorporated into your tablescape ahead of time. “A customized tablescape goes a long way. I love using place settings as a way to highlight the things I’m most grateful for in each of my guests,” Aubry Lybbert, blogger at Finding Beautiful Truth, details. “Think personalized notes giving thanks for traits, attributes, or qualities you really admire. This ‘Thankful’ note acts as both a seat marker and an extremely thoughtful take-home gift.”

Being the hostess with the most-ess

The beauty of Friendsgiving lies in its casual, come-as-you-are vibe, but telling yourself to maintain low stress levels is easier said than done. Being a flawless hostess is made easier with tips and tricks from those who have perfected the art.

“I like to think of hosting as six jobs: the initiator, the organizer, the person in charge of food and beverage, the cleanup crew, the decorator, and finally, the day-of host, details. “I point this out because you don’t have to do all of these alone. That is a lot!

Instead, ask friends to take on different roles. If you’re hosting at your house, maybe someone else manages the food. If you’re doing it all, maybe let the decorating go. The point of Friendsgiving is to enjoy an evening with friends, so let that be your priority instead of overextending yourself trying to do the work of six people.”

– Alex Alexander, lifestyle blogger and founder of the Friendship IRL podcast

“Hosting a Friendsgiving can be the most fun extracurricular activity you ever signed up for – or the most stressful thing you’ve ever come across. I prefer the former, and try to channel my late mother, a legendary hostess herself, who always said to ‘be your own best guest’. “

  1. Invite people you want to see and spend time with, maybe even ones that you don’t know that well but are interested in getting to know better.
  2. Prep, prep, prep. The more you prep, the more relaxed you are.
  3. Don’t be afraid to ask for help during the dinner! Your guests will offer, so take them up on it! They can’t cook for you, but they can light candles, help with drinks, etc.
  4. Invest some time to create a seating chart. Yes, they might feel a little stiff and outdated, but this assures you will be seated next to the person you actually want to talk to, plus you can make sure couples don’t cling to each other, never a good omen for a fun night.
  5. Last but not least, try to be ready 30 minutes before guests arrive. That leaves you time to have a drink, enjoy the beautiful scene you’ve set, and get in the mood to chat, laugh, and generally have a good time.

– Sophie von Oertzen, Designer and Founder of Sophie Williamson Design

“The food is the least important part; the most important thing is that your guests feel welcome. This is tied to that old saying: “People won’t remember what you said, but they will remember how you made them feel.” So welcome everyone, make them feel the gift of their presence, and facilitate the conversation.

People enjoy being in the homes of others in part because it’s a chance to get to know their host better. This is a chance to let your personality shine! To serve the meal on that china your mother-in-law foisted upon you despite all the times you said no (and tell the story), rope your guests into playing the game your family played as a child, or ask all your friends to share the most awkward thing a family member has said at a past Thanksgiving.”

– Emily Walker, Founder of The Next Dinner Party and Next Dinner Party Designs

Eat, drink, and be thankful

Friendsgiving is a time to celebrate friendship, gratitude, and the joy of gathering with people you care about. By keeping things simple, embracing the spirit of togetherness, and adding a few personal touches, you can create an unforgettable event. Remember, the best part of Friendsgiving isn’t the food, the wine, or the decor — it’s the laughter, stories, and memories shared around the table. Happy Friendsgiving!

Source: rent.com

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Whether you’re looking at apartments in Dallas or searching for an apartment in Charlotte, renting can be a convenient and flexible housing solution, especially in today’s ever-changing real estate market.

However, renting isn’t for everyone, and it’s essential to weigh the advantages and drawbacks before signing a lease. In this ApartmentGuide article, we’ll explore some of the key pros and cons of renting an apartment and offer a few valuable tips to help you decide which option is more suitable for you.

Renting an apartment comes with many positives and can either be a short-term option for those seeking to eventually purchase a home or a long-term solution for those who have no desire to own a home.

1. Flexibility and mobility

One of the primary benefits of renting is the freedom it provides. Most leases are for a year or less, allowing tenants to relocate without the commitment of a long-term mortgage. This flexibility is ideal for individuals who might need to move for work or who simply want to experience different areas.

2. Lower maintenance costs

Renters generally aren’t responsible for strenuous maintenance issues and repairs, which are typically covered by the landlord or property management. While renters are still responsible for day-to-day apartment maintenance, renters will encounter fewer unexpected expenses, making it easier to budget and save for other financial goals, like buying a home in the future.

3. Access to amenities

Mallory Padgett with Element Fence Company shares how renting a unit at an apartment complex can come with various amenities such as “pools and gyms” in addition to shared community spaces. These attractive amenities come included in the rent and can provide added convenience and social opportunities that may not be as accessible or affordable in a privately owned home.

4. Fewer upfront costs

Renting usually requires a security deposit and the first month’s rent, which is significantly less than a down payment on a house. This lower initial financial commitment makes renting an accessible option for people at various stages in life, whether they’re saving up for a house or not yet ready for homeownership.

Owner of Austin-based design and remodeling service, Hoeft Design and Build, Luke Hoeft shares that with lower rental costs, “This frees up more cash flow to focus on other savings goals.” However, Luke adds, “If you see yourself staying in the city you live in for more than five years, buying a home instead can make more financial sense as you will benefit from the appreciation of your home.”

Tenant rights

Additionally, as a renter, certain legal protections may apply and you’ll want to do your research when searching for a place to rent. Raham Popal with Law Firm For Tenant Rights shares a couple protections and rights that may be applicable to renters (although may vary by state, city, and county) that you otherwise wouldn’t have as a homeowner:

  • Rent control protections that “limit future rent increases.”
  • Eviction protections that “can prevent the landlord from recovering possession at the end of the lease term.”

While renting an apartment offers various amenities and easy maintenance, there are cons to consider that may make renting only a temporary strategy.

1. Lack of equity and investment

Rent payments don’t build equity. While you’re paying for a place to live, you’re not investing in a property that will appreciate over time. For some, this is seen as “throwing money away,” as there is no long-term financial benefit.

2. Limited control over the property

Renters may have restrictions on what they can change or update in the apartment. Decorating limitations, pet restrictions, or a no-renovation policy can make it challenging for renters to personalize their space to suit their needs and preferences.

3. Potential for rent increases

Unlike a fixed-rate mortgage, rental rates can increase, sometimes significantly, with each lease renewal. This lack of cost stability can be a financial strain, particularly in high-demand areas where rents are rising quickly.

4. Less privacy and space

Apartments are typically smaller than houses, which can mean less space for storage and privacy. Additionally, apartment living often involves close proximity to neighbors, which may not provide the quiet or solitude that some people prefer and may ultimately result in filing a noise complaint.

Deciding whether to rent or buy is a personal choice influenced by financial readiness, lifestyle preferences, and long-term goals. Renting offers flexibility and fewer responsibilities, making it an appealing option for those not ready for the commitment of homeownership. On the other hand, the lack of equity-building opportunities and limited control may make homeownership a more attractive option for others.

Ultimately, understanding the pros and cons of renting an apartment can help you make an informed decision about your housing future. Whether you choose to rent or buy, being aware of both options’ benefits and challenges will set you on the path toward a comfortable, enjoyable living experience.

Source: apartmentguide.com

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A few months back, we took an in-depth look at how the luxury real estate market in Boca Raton is blooming amid the city’s unprecedented economic boom.

Known for its coastal lifestyle, upscale restaurants, and vibrant business community, Boca Raton is attracting high-net-worth individuals and companies alike, with the city’s rapid growth being highlighted by major developments like the $100 million Boca Raton Innovation Campus (BRIC) and the new Brightline train station.

Midtown Boca is also seeing a resurgence with new restaurants and office spaces, and luxury residential projects are popping up across the city, responding to the growing demand for upscale living.

And now, a newly built Boca Raton house — with a distinctly modern design — is offering a stellar new option for well-off buyers looking for trophy homes in the area.

Like Fancy Pants Homes’ content? Be sure to follow us on MSN

A contemporary Boca Raton home, newly built in 2024

Photo credit: Living Proof Photography / Coldwell Banker Realty

Newly completed, the 5-bedroom home was envisioned by Brenner Architects and built by National Custom Homes with a British West Indies-style architecture — that draws inspiration from Caribbean homes with features like louvered shutters, steep hipped roofs, and expansive verandas.

The architectural style was likely chosen to maximize the property’s waterfront location, as the Boca Raton house enjoys 119 feet of deep water frontage on a canal.

On the market for $17.9M

Photo credit: Living Proof Photography / Coldwell Banker Realty

Located in East Boca Raton, the home is just steps from the beach and moments away by boat to the Intracoastal. It’s currently listed for $17,900,000 by the Jonathan Postma Group, affiliated with Coldwell Banker Realty.

The specs

Photo credit: Living Proof Photography / Coldwell Banker Realty

Sitting on a 0.30-acre waterfront lot, the contemporary home has 7,490 square feet of living space, 5 bedrooms, 5 full baths and 2 half baths, and a suite of luxurious amenities (both inside and out).

Among them is a fun clubroom (with a walk-in wine room), a gourmet chef’s kitchen, a sprawling primary suite, and a backyard made for entertainment.

Polished interiors

Photo credit: Living Proof Photography / Coldwell Banker Realty

But it’s the home’s supremely elegant interiors that make this property stand out. The rooms, which easily from one to the next, have been luxuriously appointed with natural materials like stone, quartz, and limestone, with wood accents adding a touch of warmth throughout.

Sliding glass doors and picture windows invite the outdoors in, flooding the rooms with natural light.

Upscale amenities

Photo credit: Living Proof Photography / Coldwell Banker Realty

Highlights include a magnificent clubroom with a spacious walk-in wine room, a gourmet chef’s kitchen with Wolf & Subzero appliances, and a luxurious second-floor primary suite.

Oversized rooms

Photo credit: Living Proof Photography / Coldwell Banker Realty

The rooms all have generous proportions, with a special nod to the expansive primary bathroom — which looks like it could swallow a New York City apartment whole.

Smart home tech

Photo credit: Living Proof Photography / Coldwell Banker Realty

The home is equipped with an elevator, as well as a state-of-the-art integrated smart home system and a digital security gate.

Outdoor features

Photo credit: Living Proof Photography / Coldwell Banker Realty

The backyard is an entertainer’s paradise, featuring a pool, multiple seating areas, an outdoor shower, and a well-appointed summer kitchen that has a built-in grill, sink, and refrigerator.

See also: These 26 Miami-area mansions will make you want to move to Florida

Completing the offering

Photo credit: Living Proof Photography / Coldwell Banker Realty

The canal-facing house also comes with a private elevator, a den/office overlooking the backyard, and a 4-car garage.

More stories

This $59.9 million mansion is on track to become Boca Raton’s most expensive house — again

10x Rule-setter Grant Cardone is selling his Florida house — formerly owned by Tommy Hilfiger — for $42M. In Bitcoin!

RHONY Stayed here: Inside the luxe $39M villa from the Housewives’ trip to Miami

Source: fancypantshomes.com

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As winter approaches, it may make sense to prepare for the cold weather by sealing cracks and holes around doors and windows no matter where you live. Proactive steps like these may help cut down on your heating bills.

If you’re bracing for a big chill, or worse, a blizzard — predicted to become more intense in the coming years, despite shorter winters — you’ll be glad you protected or checked the pipes, roof, chimney, heating system, and water heater. Your wallet and physical well-being may benefit from the following ways to winterize a house and how to finance the projects.

Ways to Winterize a House

There are numerous ways to winterize a house beyond sealing cracks in doors and windows. And while the steps to winterize a home may differ in Alaska than in Texas, it still helps to get ahead of any issues that may arise.

You should also know that the timing of the first frost can vary from state to state. It may help to check the National Weather Service’s data that forecasts the first frost for each state to assist in your winterization preparation timeline.

The following tips to winterize a house may help you reduce future repair costs and heating bills. And figuring out ways to lower your heating bills is something to pay attention to due to the potential rise of the price of natural gas, which is often used to heat homes.

Protect Pipes or Pay the Piper

When deciding how to winterize a house, you may first consider how to address plumbing leaks and other issues.

Burst pipes can cause $5,000 or more in damage, according to Consumer Reports , citing information from the Insurance Institute for Business and Home Safety , which has a page of recommendations to help prevent frozen pipes.

Pipes in unheated places inside a home, including basements, attics, and garages, are among the most likely to sustain damage. But pipes running through exterior walls can also freeze in certain conditions, and so can those running through kitchen or bathroom cabinets.

Protecting the plumbing is clearly a situation where being proactive may save a homeowner money.

Pipe insulation can be as inexpensive as 50 cents per linear foot. Compare that to the $5,000 figure above, and the rewards of winterization can quickly become clear.

Adding insulation to attics, crawl spaces, and basements can help to keep those areas warmer, which can also help to keep pipes from freezing.

If sinks are located on exterior walls, it can help to keep the cabinet doors open during frigid temperatures (after removing any dangerous chemicals, including cleaners, if there are children or pets in the home).

Allowing cold water to drip can also help prevent pipes from freezing, making sense in frigid temperatures.

Address HVAC Maintenance and Repair

Nobody wants the heating system to perform poorly during the winter — much less have it break down.

It’s a good idea to schedule a professional maintenance appointment, including a filter change before freezing temperatures arrive. (Then it’s best to change the filter at least every 90 days.)

Additionally, maintenance and repairs to the heating, ventilation, and air conditioning (HVAC) system and cleaning out vents can improve airflow in your home.

It may be time to consider a new HVAC system for some people. The U.S. Department of Energy’s Energy Star program provides tips to homeowners to decide if replacing an HVAC system makes sense.

Signs that it might be time to replace the unit include:

•   The heat pump is more than 10 years old.

•   The furnace or boiler is more than 15 years old.

•   The system needs frequent repairs, and energy bills are increasing.

•   Rooms in the home can be too hot or too cold.

•   The HVAC system is noisy.

If people in a home are away during reasonably regular times of the day, it can make sense to ask the HVAC professional about a programmable thermostat to save on energy costs.

The Environmental Protection Agency’s Home Energy Yardstick can help a homeowner determine if replacing an HVAC system makes sense.

Check the Roof, Gutters, and Chimney

Before winter hits, clearing the roof and gutters of leaves and other debris will help prevent snow and ice from building up and damaging the gutters — or, worse, the roof.

If ice or snow gets beneath roof shingles, it can lead to leaks and interior water damage. You may want to ask yourself if you need to replace your gutters. Do any shingles need to be glued down or replaced? Do any small leaks need to be repaired before they become big ones?

Plus, a chimney inspection can make sense before winter arrives. A chimney could have an animal nest lodged within, and there can also be structural problems. If the home has a wood-burning fireplace, creosote buildup can create a fire hazard. With a gas fireplace, a blocked chimney could lead to carbon monoxide backup, which can be life-threatening.

Addressing all these issues before winter comes can help you prevent future damage, reduce future repair costs and energy bills, and avoid a potential accident.

Examine the Water Heater

You want to check your water heater before temperatures plunge to avoid a chilly shower during winter.

Are areas of the water heater rusting or corroding? If so, this can lead to a leak. A professional can examine it, bleed the system to remove trapped air and mineral deposits, clean the pipes, and recommend and do repairs.

Think About Outdoor Equipment and Plants

Preventive winterization isn’t just about your home. You want to winterize your outdoor equipment, like a lawn mower or other power tools, to protect them as well.

Draining the oil from the appropriate equipment and taking it to a local recycling or hazardous-waste site can be your first step.

You also want to take care of general maintenance on equipment, including replacing old parts. That way, when spring rolls around and you need to mow your lawn or trim your bushes, you should be ready to go.

Additionally, inspect gas caps to ensure O-rings are intact; if not, get replacements from the manufacturer. Also, replace filters and lubricate what needs lubricating.

You may need to bring in the plants you initially placed outside to enjoy the summer sun when temperatures drop. Before doing so, check the plants for mealybugs, aphids, and other insects. Remove them, so they don’t spread to other plants.

Some people prefer to prune plants before transitioning them back into the house. If so, prune no more than one-third of each, pruning an equal amount off the roots. When repotting, pick a container that’s two or more inches bigger than the current one.

Gradually transition your plants to the new environment, which has different light and humidity levels. For a few days, bring the plants inside at dusk and put them back outside in the morning.

Over a period of 14 days or so, increase the indoor time until the process is complete and they’ve become indoor plants again, finishing the transition before temperatures go down to 45 degrees.

What’s the Cost of Winterizing a Home?

Pipe insulation, as noted earlier, can be relatively cheap, perhaps 50 centers per linear foot.

If a homeowner decides to insulate further, perhaps an attic, costs can range between $1.50 and $7.00 per foot, or a total of $1,700 to $2,100.

On average, an attic insulation installer may charge $70 an hour. If electrical work needs to be done for safe insulation around cables or junction boxes, you may expect to pay $80 an hour.

To hire someone to clean gutters and downspouts, you may pay an average of $119 to $227. An HVAC inspection might cost $325 and up, while the cost to replace an HVAC system could run between $5,000 and $10,000, depending upon the size of the home, among other factors.

What each of these services costs will depend on the locale, what types of repairs or unusual circumstances exist, and so forth.

Additionally, there are websites that allow a homeowner to enter a ZIP code and get an estimate of what a winterizing activity may cost. It makes sense to get quotes from local professionals to get an exact price.

Financing Winterization Projects

Some people pay for their home winterization costs out of pocket, while others may decide to get a home improvement loan. If you’re leaning toward a loan, comparing a home equity line of credit (HELOC) and a personal loan can make sense.

Recommended: How Do Home Improvement Loans Work?

A HELOC uses your home as collateral; for this to be an option, there needs to be enough equity in the property to borrow against it. If there is, and the loan amount required is large, it could make sense to apply for a HELOC.

Interest rates may be lower than those for a personal loan. Also, you can typically take draws from a HELOC up to the loan’s limit.

So if winterizing is coupled with indoor projects done through the cold season, for example, this might be a practical solution. In some cases, interest payments could be tax-deductible.

Recommended: The Different Types Of Home Equity Loans

A personal loan can make sense for recent homebuyers who haven’t built enough equity or for people planning smaller projects. Home winterization often fits into this category.

Applying for and receiving money from an unsecured personal loan is typically much faster than with a HELOC, partly because no appraisal is required for the loan.

Having an excellent credit score and cash flow can help a borrower get approved or receive better loan terms.

The Takeaway

Preparing your home for the harsh weather of winter can be one step you take to protect your house and potentially reduce your energy bills. However, many homeowners don’t take steps to winterize a house due to the upfront costs. Fortunately, there are ways to finance any home improvement projects.

If taking out a home improvement loan for home winterization projects makes sense, then here’s more about the fixed-rate unsecured personal loans offered by SoFi:

•   Personal loans have no origination fees and no prepayment penalties.

•   Qualifying borrowers may be eligible for loans up to $100,000.

•   Applying online can be quick and easy.

•   Customer service is available to help seven days a week throughout the process.

Winterize and protect your home with SoFi home improvement loans.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com

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Known as the Gateway to the Midwest, St. Louis, MO, showcases a vibrant blend of Midwest history with modern culture. From gorgeous gardens to unique cuisines, this city holds a wide variety of one-of-a-kind experiences around every corner of its iconic neighborhoods. Whether you are moving to an apartment in St. Louis, MO, renting a house in the city, or exploring the best spot in the Midwest to buy a home, this curated list of 11 hidden gems in St. Louis is here to help you get to know the city like a local. 

Image, taken at Forest Park, courtesy of Debra Aslanidis Photography. 

1. Get back to nature with some of the cities best natural landscapes 

“If you’re a nature enthusiast, the Missouri Botanical Garden is a must,” shares Debra, owner of Debra Aslanidis Photography. “They have different plants and flowers for every season, so there is always something new. Additionally, Forest Park, although a pretty busy spot, is a gorgeous place to visit. Unwind with a book, have a picnic with your family, or check out the St. Louis Zoo and the Art Museum right next door.” 

2. Explore the “tails” of Left Bank Books 

In the beautiful and historic Central West End, queer- and women-owned Left Bank Books sells a wonderfully curated selection of new and used books and hosts a variety of public community book clubs. Stop by one of their literary events in-store and around the city, or explore the shelves for Orleans, a local feline celebrity often found supervising the store from his cat tree. 

3. Head west to Wild Crush Wine Bar(n)

This hidden gem in St. Louis sits just west of the heart of the city in Town and Country. A mother-daughter-owned business, Wild Crush is the first in Missouri to offer self-serve wine dispensaries with over 28 wines available on tap. Visit their wine bar(n) on Fridays to enjoy live music from local artists and gaze across their gorgeous seven-acre park from their patio as you sip on your favorite wine.

4. Try a contemporary twist on local cuisine

Little Fox is a beloved neighborhood restaurant in the heart of Fox Park, St. Louis, known for their award-winning cuisine. Inspired by Brooklyn bistros and other travels, their sophisticated yet approachable dishes and drinks feature flavors that are rooted in local culture and sure to make you fall in love with the area.

5. Spend some time at the biggest little museum in Missouri 

If you’re looking for a truly unique thing to do in St. Louis, The Miniature Museum of Greater St. Louis is a great place to start. With two floors of exhibit space featuring rotating miniature displays, every visit is guaranteed to be a new experience. Stop by to marvel at the many dollhouses, vignettes, and room boxes, or join a class to learn how to make your own. 

6. Travel to a tropical community hub 

Whether you’re looking for an early morning cocktail or a late night cup of coffee, Harvey’s Coffee & Cocktails has you covered. This new Midtown café is a hidden gem in St. Louis. From the moment you step inside this nondescript brick building, you’ll be transported to a beachside café with a full coffee and cocktail menu available all day. Their weekly community events are sure to help you get to know St. Louis in no time. 

7. Check out The Grove neighborhood 

“St. Louis is a city of neighborhoods, and I love The Grove,” shares Beckie, owner of local Serendipity Homemade Ice Cream. “Centrally located as a major north-south thoroughfare, it’s known for its inclusive bars, restaurants, and music venues.” Along with Serendipity’s homemade ice cream, baked goods, and Spirited Shakes, there is something for everyone in this vibrant neighborhood. 

Image courtesy of Levels Nigerian Cuisine. 

8. Embark on a culinary adventure with Levels

Levels Nigerian Cuisine brings the rich flavors of Nigeria right to the heart of St. Louis. Whether you’re longing for a taste of home or you are eager to explore something new, their authentic dishes, like Party Jollof Rice and refreshing Palm Wine, offer a bright and unforgettable dining experience that will delight your senses.

9. Bring some magic to your child’s learning experiences 

“If you are looking for an amazing place to take your little kids, I cannot recommend The Magic House enough,” shares Irene, owner and photographer of Four Fireflies Photography. This local children’s museum offers a wide variety of hands-on learning experiences made to engage and inspire children of all ages. “My family can spend most of the day there creating art, playing pretend, and learning all sorts of new things,” says Irene. 

10. Relax in a haven of flavor and connection

Blood & Sand is the perfect cozy spot to unwind. This hidden gem in the heart of downtown St. Louis offers a welcoming atmosphere where you can relax with exceptional cuisine and handcrafted cocktails inspired by the relationships they create with their guests. They are eager to pour you a drink and get to know you. 

11. Find joy in every season at Tower Grove Park

“Tower Grove Park is my favorite park in St. Louis because it is beautiful year-round,” shares Stacey of Stacey Vandas Photography. “There are flowering trees in the spring, gorgeous leaves in the fall, and it’s super pretty decked out in snow. It’s a great place for a walk with family, friends, and dogs, and the Farmers Market from April to October makes for a great Saturday morning activity.” 

Hidden gems in St. Louis, MO: The perfect Gateway to the Midwest

Whether you’re considering moving to the Gateway City or you’re trying to get to know your new home, this list of 11 hidden gems is sure to help you decide whether St. Louis, MO is a good place to live. From rich historical culture to new modern hangouts, this city has so many spots worthy of exploring. You’ll feel like a true St. Louisan in no time with the guidance of these local experts. 

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Google “paycheck to paycheck” and you’ll be flooded with statistics that seem a bit suspect to an economist’s eye. Diving deeper into the spending habits of people who say they’re living with every dollar spoken for, it’s clear we’re not all defining paycheck to paycheck quite the same way. And it’s clear that some who assign themselves to this group could just be very efficient budgeters.

More than half of Americans (57%) say they’re currently living paycheck to paycheck, according to a nationally representative NerdWallet survey conducted online in July by The Harris Poll. In our survey, we didn’t define the phrase, as we wanted to measure the share of folks who identify with “living paycheck to paycheck” regardless of their finances. Then, we asked for some budget specifics.

Of those who said they’re living paycheck to paycheck, many regularly contribute to savings accounts (31%), retirement accounts (22%), or emergency savings funds (22%), all of which are important, but none of which are obligatory. And others include house cleaning services (15%) and subscription boxes (19%) among their regular monthly [expenses.

In fact, 42% of Americans with household incomes of $100,000 or more say they live paycheck to paycheck.

So, what does living paycheck to paycheck mean?

By not defining the phrase in our survey, we hoped to understand how people feel about their financial condition more than whether they fit a tidy definition. Generally, living paycheck to paycheck implies all or most of your money from one paycheck is gone before or right in time to receive the next. And for many people, it implies some level of financial hardship.

But, it turns out depleting one paycheck just in time for the other’s arrival doesn’t have to mean financial dire straits. In fact, our survey found many people who place themselves in this category manage to spend on some monthly luxuries as well as have emergency savings and retirement accounts.

Addressing the feeling of financial constraint

When someone says they’re living paycheck to paycheck, it could be that they’re tightly budgeted. Emergency funds and retirement accounts, for example, are generally features of more financially secure households.

Some popular approaches to budgeting involve allocating your income toward various categories — 50% for needs, 30% for wants and 20% for savings and debt payments, in the case of the 50-30-20 budget, for example. And if 100% of what you bring in is earmarked for various purchases or accounts, you could consider yourself paycheck to paycheck, yet still doing quite well.

If you’re feeling like the well is dry when your next paycheck arrives, take a closer look at how you’re allocating your monthly income. You may find yourself on-track to long-term financial goals and able to afford some of the extras each month that enrich your life, even if your spending account dwindles toward the end of the pay period. If this is the case, and the tightly allocated budgeting feels fine, pat yourself on the back for being an astute financial manager. But if the dwindling feels bad, consider budgeting a buffer into that primary spending account or loosening the limits on your variable “wants” expenses each month. In this way, your “fun money” comes from one place, it rarely runs completely dry and you enjoy a bit of flexibility.

When living paycheck to paycheck means serious hardship

For some, however, living paycheck to paycheck happens because the money coming into the home just isn’t enough to cover the needs of the household. In this case, clever budgeting can only get you so far. According to the Federal Reserve, 63% of adult Americans in 2023 could manage an unexpected expense of $400 using cash, savings or a credit card they paid off right away. There’s a good chance the remaining 37% would describe themselves as living paycheck to paycheck.

Building a $400 emergency fund can be a tall order when you truly have nothing leftover at the end of the month. But every bit that gets you closer can be helpful. While you incrementally build a small safety net, have a financial hardship plan in place should things take a turn for the worse.

  • Prioritize crucial expenses like housing, utilities, food and medical care.

  • Contact your creditors and other bill collectors to explain your situation and ask about any hardship programs they offer.

  • Identify local charities and organizations that can help in times of need and reach out to your state or county social services if you think you might qualify for government assistance.

METHODOLOGY

This July survey was conducted online within the United States by The Harris Poll on behalf of NerdWallet from July 16-18, 2024, among 2,076 U.S. adults ages 18 and older. The sampling precision of Harris online polls is measured by using a Bayesian credible interval. For these studies, the sample data is accurate to within +/- 2.5 percentage points using a 95% confidence level. For complete survey methodologies, including weighting variables and subgroup sample sizes, please contact [email protected].

Disclaimer

NerdWallet disclaims, expressly and impliedly, all warranties of any kind, including those of merchantability and fitness for a particular purpose or whether the article’s information is accurate, reliable or free of errors. Use or reliance on this information is at your own risk, and its completeness and accuracy are not guaranteed. The contents in this article should not be relied upon or associated with the future performance of NerdWallet or any of its affiliates or subsidiaries. Statements that are not historical facts are forward-looking statements that involve risks and uncertainties as indicated by words such as “believes,” “expects,” “estimates,” “may,” “will,” “should” or “anticipates” or similar expressions. These forward-looking statements may materially differ from NerdWallet’s presentation of information to analysts and its actual operational and financial results.

Source: nerdwallet.com

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Visionary architectural designer Jean-Michel Gathy is recognized as the creative force behind some of the world’s most iconic luxury hotels and resorts.

The man who, alongside the late Ed Tuttle and Kerry Hill, established the DNA blueprint of Aman Resorts, has worked on some of the most recognizable luxury hospitality projects in the world — including the Marina Bay Sands infinity pool in Singapore, the famed Aman New York, and the recently launched Jumeirah Bali.

He also designed Amanyara, a luxury Aman Resorts retreat in the Turks and Caicos Islands, set on the shores of an 18,000-acre nature reserve. Here, one of the 20 private villas Gathy envisioned is being offered for sale, newly listed for $13,900,000 with Muffy Ward and Sean O’Neill of The Agency Turks and Caicos.

Like Fancy Pants Homes’ content? Be sure to follow us on Google News

Part of Amanyara, a luxe Aman Resort in Turks and Caicos

Photo credit: Kaieri Photo and Video / The Agency

Amanyara Villa 16 is part of the larger Amanyara resort designed by the renowned architect Jean-Michel Gathy on the shores of Northwest Point Marine National Park in Providenciales, Turks and Caicos.

Adjacent to protected parkland and overlooking a marine reserve, the luxury beachfront resort is known for its signature pavilions and villas, and luxe amenities, which include world-class restaurants, the tranquil Aman Spa, and various wellness and fitness facilities.

By the numbers: What $13.9M buys you in Turks & Caicos

Photo credit: Kaieri Photo and Video / The Agency

While harder to quantify than your ordinary mainland listing, Villa 16 offers a total of 5 bedrooms, 5 full baths, and 1 half bath, spread across a generous 11,954 square feet of living space.

Baked into the price is access to Aman Resorts amenities, which range from watersports to yoga and wellness facilities.

Villa 16 consists of 5 spacious guest pavilions

Photo credit: Kaieri Photo and Video / The Agency

Tucked away in a secluded, lush setting, Amanyara’s Villa 16 boasts 5 spacious guest pavilions, each thoughtfully designed to offer tranquility and comfort and boasting an indoor-outdoor living design. At the center of it all sits the expansive Great Pavilion, designed for both relaxation and entertainment.

The pavilions are arranged around a central pool

Photo credit: Kaieri Photo and Video / The Agency

Adding to the sense of seclusion, the pavilions have been built around a central body of water, with a few other pools and an oversized reflecting pond doubling down on the water features.

Future owners get to enjoy upscale Aman Resorts amenities

Photo credit: Kaieri Photo and Video / The Agency

Villa owners get to enjoy the luxurious amenities at Amanyara, including the Nature Discovery Centre, beach amenities, paddleboards, kayaks, four clay Har-tru tennis courts, a fitness center, and a Clubhouse with shuffleboard, billiards, wide-screen televisions, ping-pong, and a world-class soccer pitch.

Particularly the wellness features it’s renowned for

Photo credit: Kaieri Photo and Video / The Agency

Chief among the amenities are the wellness-oriented facilities Aman Resorts is known for; in the case of Amanyara, these include a luxurious spa with 4 treatment rooms, a relaxation pavilion, an outdoor yoga sala and pool, as well as a fully equipped pilates studio and boxing studio.

A place for peace and relaxation

Photo credit: Kaieri Photo and Video / The Agency

Amanyara draws its name from the Sanskrit word for peace, evoking a sense of calm and belonging, and the Arawak Indian word for place, which combined give it a moniker that translates into “peaceful place” — an apt name for the serene resort.

More stories

Dominica’s idyllic Secret Bay Resort now has clifftop tree-house villas you can buy

A Japanese-inspired home in the British Virgin Islands is its own slice of paradise

10 Celebs who made the Caribbean their home away from home

Source: fancypantshomes.com

Apache is functioning normally

A debt instrument is a contract that enables one party to loan funds to another party, who promises to repay the loan plus interest. Debt instruments are also referred to as fixed income assets because the lender receives a fixed amount of interest during the lifetime of the instrument.

Debt instruments come in many forms. Some are obvious, such as mortgages and different types of small business loans; while others are less so, such as rental leases, bonds, and treasuries. With some debt instruments, you are the borrower, such as when you take out a mortgage or open a credit card. In other cases, you are the lender, such as when you purchase a bond or treasury.

Here’s what you need to know about debt instruments, the different types of debt instruments, how these instruments work, and the pros and cons of debt financing.

Key Points

•  Debt instruments are financial assets that represent a loan made by an investor to a borrower, typically involving fixed payments over time.

•  Common types of debt instruments include mortgages, small business loans, bonds, U.S. treasuries, and leases.

•  Debt instruments come with a defined maturity date when the principal amount must be repaid.

•  All debt securities are debt instruments, but not all debt instruments are securities.

What Is a Debt Instrument?

A debt instrument is a fixed income asset that legally binds a debtor to pay back any amount borrowed plus interest. Debt instruments can be issued by individuals, businesses, local and state governments, and the U.S. government.

Businesses often use debt instruments to raise capital to purchase additional assets (such as manufacturing equipment) or to raise working capital, while local governments may do so to fund the building of infrastructure (such as a new highway or a bridge). Debt instruments also give participants the option to transfer the ownership of debt obligation (or instrument) from one party to another.

Debt instruments can be short-term (repaid within a year) or long-term (paid over a year or more). Credit cards and treasury notes are examples of short-term debt instruments, while long-term business loans and mortgages fall into the category of long-term debt instruments.

Recommended: 10 Steps to Starting a Small Business

Debt Instruments vs Debt Securities

Debt instruments are broad financial tools representing a loan made by a lender to a borrower, including mortgages, business loans, and leases. They may or may not be tradable.

In contrast, debt securities are a specific subset of debt instruments that are tradable on financial markets, such as government and corporate bonds. Debt securities provide liquidity, allowing investors to buy or sell them before maturity.

The key difference is that all debt securities are debt instruments, but not all debt instruments are tradable securities, emphasizing market accessibility and liquidity for debt securities.

How Do Debt Instruments Work?

If you’ve ever taken out a loan or opened a credit card, you probably already understand the basics of how debt instruments work. Debt instrument contracts include detailed provisions on the deal, including collateral involved, the rate of interest, the schedule for interest payments, and the term of the loan (or timeframe to maturity).

While any type of vehicle classified as debt can be considered a debt instrument, the term is most often applied to debt capital raised by institutions, such as companies and governments. In this scenario, the investor is the lender: You issue money to a business, municipality, or the U.S. government. In exchange for capital, you are paid back the amount you loaned over time with interest. Examples of this type of debt instrument include U.S. treasuries, municipal bonds, and corporate bonds.

Recommended: Lease or Purchase Equipment

Types of Debt Instruments

Below is a breakdown of some of the most common debt instruments used by individuals, governments, and companies to raise capital.

US Treasuries

U.S. Treasury Securities (also called treasuries) are government debt instruments issued by the U.S. Department of the Treasury to finance government spending as an alternative to taxation. Treasury securities are backed by the full faith and credit of the U.S., meaning that the government promises to raise money by any legally available means to repay them.

U.S. treasuries tend to be more affordable than many other debt instruments. Investors can buy them in increments of $100 either through brokerage firms, banks, or the U.S. Treasury website. There are three types of treasuries: treasury bills, treasury notes, and treasury bonds. Each treasury comes with its own maturity option.

Municipal Bonds

Municipal bonds are offered by various U.S. government agencies (towns, cities, counties, or states) to fund current and future expenditures. Programs often funded by municipal bonds include the building of schools, roads, and bridges. Think of a municipal bond as a loan an investor makes to a local government.

There are two types of municipal bonds: general obligation bonds and revenue bonds. General obligation bonds are not paid back by any revenue resulting from the completion of the project. Instead, they are paid back to investors through property taxes or overall general funds.

Revenue bonds are paid back by the issuer through either sales, taxes, or some other type of revenue generated by the project.

Municipal bonds are attractive to many investors because they are tax-exempt bonds — meaning the investor doesn’t have to pay taxes on any interest received.

Recommended: How to Buy Bonds: A Guide for Beginners

Corporate Bonds

A corporate bond is a debt security that a corporation can use to raise money. Funding is typically available to anyone who is interested. As with other bonds, corporate bonds are essentially an IOU from the company to the investor. It differs from stock in that, instead of being paid dividends when the company is profitable, investors are always paid regardless of whether the company is doing well.

Typically, corporate bond investors are paid interest until the bond matures. When it matures, the entire principal is paid back. For example, a $1,000 corporate bond with an interest rate (or coupon rate) of 5% would bring an investor $50 every year until the bond matures. This means that, after 10 years, the investor would see a gross return of $500.

With secured bonds, the company puts up collateral (such as property or equipment) as security for the bond. If the company defaults, secured bond holders can foreclose on the collateral to reclaim their money. With an unsecured bond, a holder may or may not be able to fully reclaim their investment.

Alternative Structured Debt Security Products

There are many types of structured debt security products on the market, many of which are issued by financial institutions. A common occurrence is for these institutions to bundle assets together as a single debt security product. By doing this, they are able to raise capital for the financial institution while also segregating the bundled assets.

Recommended: What Are the Different Types of Debt?

Leases

A residential or commercial lease is a legally binding contract between an owner of a property and a tenant, where the tenant agrees to pay money for a set period of time in exchange for use of the rented property. A lease is a type of debt instrument because it secures a regular payment from the tenant, thus creating a secured long-term debt.

Mortgages

Mortgages are a type of debt instrument used to purchase a home, commercial property, or vacant land. The loan is secured by the property being purchased, which the lender can seize if the borrower defaults on the loan.

As with many other consumer loan products, mortgages are amortized, meaning the borrower makes a series of equal monthly payments that provides the lender with an interest payment (based on the unpaid principal balance as of the beginning of the month) and a principal payment that will cause the unpaid principal balance to decrease each month so that the principal balance will be zero at the time of the final payment.

Recommended: What Is a Financial Instrument?

Pros and Cons of Debt Instruments

Understanding the pros and cons of debt instruments helps borrowers make informed decisions about their financing options.

Pros

Debt instruments can be mutually beneficial in that both parties become better off as a result. If a company takes out a small business loan and invests those funds wisely, for example, it can increase its profitability. Ideally, the increase in profits exceeds the cost of the loan, a concept known as leveraging in business. Borrowing money also allows a company to raise capital without losing equity.

Debt instruments also benefit individuals and governments. Without mortgage debt, many people would never be able to buy a house; without student loans, many individuals would not be able to go to college. For governments, debt instruments allow them to build infrastructure for the public good.

On the lender’s or investor’s side, debt instruments can provide a regular and guaranteed source of income and are considered a safe investment, provided the loan is secured.

Cons

But there are downsides to debt instruments, as well. Loans often come with restrictions on how they can be used and, if you don’t have good credit, interest rates can be high. Borrowing money also involves risk. Most commercial institutions will require you to put up collateral in the form of a property asset. If you lose your income or your business hits hard times and you cannot repay your loan, the lender can reclaim its debt by liquidating whatever you proposed as security, which means you can lose a valuable asset.

On the lender’s or investor’s side, debt instruments also come with risk. Unless you purchase a secured bond, you may not receive your principal back as the investor. Also, during periods of high inflation, bonds can actually have a negative rate of return. And, if you invest in corporate bonds, there is always the possibility that the issuer will default on payment.

Pros of Debt Instruments Cons of Debt Instruments
Allows companies to expedite their growth If a borrower has poor credit, interest rates can be high
Allows companies to raise capital without diluting equity Loans often come with restrictions on how they can be used
Enables individuals to buy a home or pay for college Loans often require collateral, which can be lost if debtor defaults on loan
For lenders/investors, secured debt is a safe investment Investors can lose money if bond value declines
For lenders/investors, debt instruments provide steady income Bond investors can lose money during periods of high inflation

The Takeaway

A debt instrument is a way for an investor to get a return on their money by loaning to either an individual, business, municipality, or the U.S. government. If you have a credit card or mortgage, or you own any bonds or treasuries in your investment portfolio, debt instruments play a role in your life.

Small business owners can also take advantage of debt instruments. You might not be able to issue corporate bonds at this stage of the game, but you may be able to access an affordable small business loan.

If you’re seeking financing for your business, SoFi can help. On SoFi’s marketplace, you can shop top providers today to access the capital you need. Find a personalized business financing option today in minutes.

With SoFi’s marketplace, it’s fast and easy to search for your small business financing options.

FAQ

What are some examples of debt instruments?

Common examples of debt instruments include personal loans, business loans, mortgages, leases, bonds, treasuries, promissory notes, and debentures.

What is the difference between a debt instrument and an equity?

With a debt instrument, the investor does not own any portion of the company. With equity, the investor is buying a portion of the company.

What are the features of debt instruments?

Debt instruments have three characteristics: principal, coupon rate, and maturity. Principal refers to the amount that is borrowed. The coupon rate is the interest amount paid by the borrower to the lender. Maturity is the end date of the debt instrument. It refers to when the debt is completely paid off with interest.

Photo credit: iStock/insta_photos

SoFi’s marketplace is owned and operated by SoFi Lending Corp. See SoFi Lending Corp. licensing information below. Advertising Disclosures: SoFi receives compensation in the event you obtain a loan through SoFi’s marketplace. This affects whether a product or service is featured on this site and could affect the order of presentation. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider.


Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

SOSMB-Q324-046

Source: sofi.com

Apache is functioning normally

When Halloween rolls around, it’s time to transform your space into a spooky wonderland. Drawing inspiration from the whimsical yet eerie aesthetic that Tim Burton is known for, you can create a haunted yet enchanting vibe. Whether you’re aiming for a full-on fright fest in your Austin, Texas home or just a touch of spooky charm in your Cincinnati apartment or Charleston rental home, these decor ideas will help you bring out your inner Burtonesque style while keeping it playful and festive.

Creative Halloween decor ideas to make Tim Burton proud

Halloween is the perfect time to get creative with your decor, blending spooky vibes with a touch of whimsy. From unique color palettes to gothic-inspired displays, even the most imaginative minds — like Tim Burton himself — would be impressed by these hauntingly captivating setups.

1. Gothic glam garb

For extra flair, without breaking the bank, consider repurposing everyday household items to show gothic glam. “Repurpose vintage vases or drinkware as eerie candle holders, adding a touch of gothic elegance to your home,” Courtney and John Achilli, proprietors of Content + Co. recommend.

They add, “Give new life to thrifted frames by painting them black, filling them with creepy crawly artwork or prints, and creating a Halloween-themed gallery. You can also make your home even spookier by creating a haunting atmosphere with stacks of dusty, vintage books or cut-out creepy images or passages that you can transform into a book of spells.”

Julie Boston, with Capturing Wonderland, emphasizes the beauty of utilizing vintage finds. “Incorporating antique finds like weathered books, brass candlesticks, and old-fashioned lanterns into your Halloween décor is perfect for the vintage-inspired or literary lover. Choose rich, muted tones like burgundy, mustard yellow, and faded black to evoke an old-world charm. Decorate with vintage postcards, old keys, or even literary prints from classic Gothic novels to add a literary twist. Thrifted lace curtains or tattered doilies can create an eerie yet elegant look when paired with aged furniture or dark wood accents.”

2. Skeletons and shadows

Skeletons are a Halloween staple, but how you display them can make all the difference. “Create an eerie yet elegant atmosphere by combining deep purples and blacks with flickering candlelight, as mentioned earlier,” shares Muhammad Muneeb Ali with My Spirit Halloween. “Add vintage, gothic-inspired pieces like candelabras or skull-adorned mirrors for a sophisticated twist. For a hauntingly cozy touch, drape faux cobwebs and spooky garlands around doorways and windows.”

3. Quirky figurines and characters

Add a playful element to your Halloween decor by incorporating spooky but whimsical figurines. Think plush creatures with large eyes, toothy grins, or stitched-up mouths that are more fun than frightening. Look for figurines of bats, witches, or black cats with exaggerated features, creating a Burtonesque twist while keeping it family-friendly. Scatter these characters throughout your home — on bookshelves, by the entryway, or even as table centerpieces.

Image courtesy of Laura’s Books and Blogs

4. Dim and dreamy lighting

Lighting sets the tone for any Halloween setup, and can often be overlooked. “Setting the perfect scene for Halloween starts with the right lighting,” emphasizes Daisies in Clover LLC. “Consider swapping out regular bulbs for purple, green, or orange bulbs in lamps and fixtures throughout your home. String lights with pumpkins, bats, or ghosts are perfect for parties, but even purple fairy lights can take your space from plain to spooky with just the touch of a button.”

It’s essential to consider outdoor lighting too when crafting a ghoulish grouping. “You can never have too many lights, especially outside,” emphasizes Laura Smith with Laura’s Books and Blogs. When it comes to pairing lighting with other decor, Laura recommends getting crafty. “Make your own simple decorations that you can display or give away as gifts, and take into account how much shelf space you have before buying or making more indoor decor and lighting.”

5. Unique colors

“Halloween doesn’t necessarily mean you have to stick to a black and orange theme. You can easily transition to spooky season with non-traditional colors like terracotta, sage, teal, olive green, navy blue, burgundy, plum, or brown to name a few,” Lauren O’Malley with The Styled Abode shares. “For an elegant yet spooky take on Halloween, incorporate lighter tones of neutrals, peach, or pink with pops of black, bronze, or gold. Dress a poseable skeleton in satin or lace, and accessorize with large fresh or dried floral displays, elegant glassware, and plenty of glowing candles.

“If you prefer a dark and moody theme, think deep jewel tones like burgundy, emerald, or maroon and accessorize with metallic pumpkins, black tapered candles in a gold or bronze base, and dark Halloween decor like black spider webs, skulls, and vintage apothecary jars,” O’Malley concludes.

6. Spooky topiaries and dark florals

As Lauren mentioned, florals and topiaries are a subtle way to bring Halloween into your space while keeping it stylish. Create eerie, twisted topiary shapes out of faux plants, like black spirals or gnarled branches. For indoor arrangements, dark florals like black roses, blood-red dahlias, or deep purple hydrangeas make for the perfect haunted bouquet. Place them in worn-out or distressed vases and layer in some fake cobwebs or skull accents for a spooky touch.

For extra decorative flair, craft a Halloween wreath (and save yourself a few cents). “I recently made this Halloween wreath. The use of purple, black, and orange really brings the holiday to light,” Diana Callaghan with Sew Very Crafty shares. “A trip through the Dollar Tree store can give you so many ideas, especially during the holidays, Halloween in particular. Dollar Tree crafts are simple and inexpensive to make, making it my go-to for easy design projects.”

7. Spider web elegance

Consider using black lace or intricate macramé that mimics the web-like designs but in a more elegant fashion. “Cover your pillows and stacks of books (pages front-facing) in black spiderweb lace to create a spooky, haunted effect,” recommends Alexandra of Home with Alexandra. “Drape your yard and house with loads of white webbing too. Place white webbing in your yard and inside for a truly creepy forest atmosphere. With a little creativity and a lot of Halloween spirit, you can create a home that’s as spooky as it is fun.”

8. Seek inspiration

The greatest way to elevate your Halloween decor is to gain inspiration from others. Explore social media, browse Pinterest, or host a decorating contest to discover new and creative ideas that can add a unique twist to your own spooky setup. “Halloween is such a fun holiday,” explains Melanie at Next Phase Parenting.

“A great way for a student to get involved at college is to participate in a decorating contest for their dorm room or apartment! If you only purchase small and flat things, the need for storage is minimal. There are so many great ideas for a small space!” With the right combination of creativity and compact decor, even small spaces can deliver a big, spooky impact that’s perfect for the holiday.

Bring your Halloween vision to life

These Halloween decor ideas will transform your home into a spooky yet stylish setting. By combining gothic elements, playful characters, and haunting details, you can strike a balance between creepy and charming — something that would surely make Tim Burton smile. Whether you want to go all out or keep it simple, these ideas will help you create a Halloween atmosphere that is uniquely enchanting.

Wesley Masters works on Redfin’s stellar Content Marketing team as a content writing specialist. She has been with Rent. since 2023 and her previous experiences include non-profit communications, graphic design, and content creation. Wesley lives in Atlanta, GA, and loves outdoor walks, hanging out with her loved ones, and finding new recipes to try on Pinterest. Her ideal home is a brownstone with contemporary interiors.

Source: rent.com