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Apache is functioning normally

November 28, 2023 by Brett Tams

Financial wellness doesn’t have to be complicated. While you’ll eventually want to work up to a financial plan that includes a detailed budget, savings goals, and a retirement plan, there are small things you can do today to set you off on the right foot. What follows are nine hacks for money that can help you get organized, save more, knock down debt, and master the basics of personal finance.

9 Money Hacks to Help Save You Money

These simple moves can help you boost your financial health, reach your goals, and avoid financial pitfalls like impulsive spending and unmanageable debt spirals.

1. Use Multiple Savings Accounts

Having a different savings account for each one of your goals — whether it’s a new car, a down payment on a house, or even a big vacation — can be a great way to keep track of your progress. If you only have one account, it can be difficult to know what money is earmarked for which goal. For example, if you have $15,000 in your savings account, it may be hard to track that you have $5,000 saved for an emergency fund and $10,000 for a home purchase.

Separate savings accounts makes it easier to prioritize the goals you’re eager to reach, allowing you to fund those accounts first. It also decreases the chances you will raid the account to cover another expense. If an account is clearly labeled Emergency Fund, you may think twice about using it for a trip to Tulum.

And since many banks now offer savings accounts that feature the same interest rate, no matter how low your balance, you don’t need to put all your savings in the same account to get the highest yield.

💡 Quick Tip: Help your money earn more money! Opening a bank account online often gets you higher-than-average rates.

2. Ditch Your Low-Interest Savings Account

Is there anything better than money you don’t have to work for? The interest you’re paid for keeping money in a bank account is basically that. If you’re still using your first savings account, however, chances are you’re getting a low interest rate.

Right now, the best online savings account interest rates are around 5%. Traditional brick-and-mortar banks, on the other hand, generally offer rates that are close to the national average, which is currently 0.46%. If you have a $10,000 savings balance, choosing an account that pays 5% will earn you about $500 in a year. If it stays in a bank account that pays 0.40% APY, you would earn about $40. The difference increases the more you deposit and the longer you keep the money in the account.

Failing to open a high-interest savings account means you’re giving up free money.

Get up to $250 towards your holiday shopping.

Open a SoFi Checking and Savings Account with direct deposit and get up to a $250 cash bonus. Plus, get up to 4.60% APY on your cash!1

3. Put Saving on Autopilot

Automating your savings is a great way to separate your savings from your spending without any extra effort on your part. If you wait to see what you have left at the end of the month to make a manual transfer to savings, you may forget or, worse, you may have nothing left to move.

There are two ways to automate your savings: One is to split up your direct deposit and funnel part of it into a savings account; the other is to set up a recurring transfer from your checking account into a savings account for the same day each month (ideally right after you get paid). If you have different savings accounts for different goals, you can choose to have a set amount for each account.

4. Pay Down High-Interest Debts

Credit card annual percentage rates (APRs) are now averaging a record 28.93%, up from 26.72 percent in 2022. To whittle down high-interest debt, consider making at least one extra payment on your credit cards per month. If you have multiple balances, here are two ways to knock them down:

•   The snowball method With this approach, you make your extra payment on your smallest debt, while maintaining minimum payments on the others. When that debt is paid off, you focus on paying off the next-smallest debt, and so on.

•   The avalanche method Here, you put your extra payment towards the debt with the highest interest rate, while making minimum payments on the others. When that debt is paid off, you focus on the debt with the next-highest rate, and so on.
The money you save in interest payments can then go towards saving (and earning interest).

5. Audit Your Subscriptions

There’s a good chance you are paying monthly for things you no longer need or use. To find out, review your credit card or bank statement to see what subscriptions services you’re paying for each month. Do you have cable, but only watch streaming services like Netflix and Hulu? Are you paying for streaming services you never, or rarely, watch? You might also audit your music services — if you are paying for more than one, you might keep your fave and get rid of the others.

The monthly fee for each streaming service may seem small but, when you pay it every month, year after year, it can seriously add up.

Recommended: How to Track Your Monthly Expenses: Step-by-Step Guide

6. Put a Free Budgeting App on Your Phone

Keeping tabs on how much is going in and going out of your accounts is crucial to financial wellness. But who wants to spend hours coming through statements? A budgeting app does the work for you, and many are free (at least for the basic service).

Popular budgeting apps, like Goodbudget, EveryDollar, and PocketGuard, allow you to connect with your financial accounts (including bank accounts, credit cards, and investment accounts) and give you a bird’s eye view of your finances. Right from your phone, you can see what’s in your bank account, your current credit card balance, what you’re spending the most money on, how your spending compares to last month, and more. This can be eye-opening and help you make smarter financial decisions.

💡 Quick Tip: Want a simple way to save more everyday? When you turn on Roundups, all of your debit card purchases are automatically rounded up to the next dollar and deposited into your online savings account.

7. Practice the 3-Day Rule

Online shopping has made it easier than ever to impulse buy. You’re only one click away from a new jacket, blender, or television. So try this smart spending hack: Whenever you see something you want to buy, either online or in-person, DO NOT buy it that day. Put the purchase on pause for at least three days. Tell yourself that if, after three days, you still want the item, and you can afford it, you’ll buy it. This gives you time to reflect. You may well decide that you don’t need or want the item that badly. If you’re worried about missing a “one-day” or “flash” sale, don’t — retailers run sales all the time.

Recommended: How to Stop Spending Money: 7 Strategies to Curb Overspending

8. Use Cash

This may sound counterintuitive, but spending cash can actually help you save money. The reason: When you spend in cash, you actually have to physically give up your money when you spend it, unlike with a credit or debit card.

You might try taking out a set amount of money for discretionary spending for the week, and when the money is done, you’re done spending. Or, consider using the envelope budgeting system, where you take out a certain amount of cash for the week and divide it into envelopes for food, gas, etc. As you see the money go down in each envelope, you’ll have to think hard about every purchase.

9. Gradually Boost Retirement Savings

.
You may have heard that you “should” be putting 15% of your income into your 401(k) or other retirement fund each year. It’s a solid goal. But for many young people, it may not be remotely realistic. That said, you shouldn’t give up on the whole idea. Why not try baby steps? You might start by putting just 1% of each paycheck into your retirement fund, then increase it by 1% every three to six months.

While 1% is a small percentage of your annual earnings today, after 20 or 30 years it can make a big difference in your account balance when you retire. That’s because the longer you give your money a chance to grow, the better.

Recommended: When Should You Start Saving for Retirement?

The Takeaway

Getting a better handle on your finances may perennially be on your to-do list. The problem is that this goal can seem too vague and too overwhelming to even know where to begin. The good news is that you don’t have to overhaul your personal finances overnight. Simply adopting some smart money habits (or hacks) can snowball into long-term financial stability and wealth. And there’s no better time to start than today.

Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.

Better banking is here with up to 4.60% APY on SoFi Checking and Savings.



SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet..

SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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.

SOBK1023026

Source: sofi.com

Posted in: Financial Advisor Tagged: 2, 2022, 2023, About, ACH, All, Amount Of Money, app, Apps, Automate, Automated Clearing House, avalanche, average, baby, baby steps, balance, Bank, bank account, bank accounts, bank statement, Banking, banks, basic, basics, before, Benefits, best, big, bonus, bonuses, brick, Budget, Budgeting, Budgeting & Goals, budgeting apps, Buy, Cable, car, cash, cash bonus, chance, Checking Account, companies, Credit, credit card, credit cards, credits, Debit Card, Debt, decisions, deposit, Deposits, design, Direct Deposit, down payment, down payment on a house, earning, earnings, Emergency, Emergency Fund, employer, expense, expenses, FDIC, Fees, Finance, finances, financial, financial health, financial independence, Financial Plan, financial stability, financial tips, Financial Wellness, Financial Wize, FinancialWize, first, food, Forth, Free, free budgeting, fund, funding, funds, funnel, gas, General, Giving, goal, goals, good, government, grace period, great, Grow, guide, habits, hacks, health, holiday, holiday shopping, home, home purchase, hours, house, Housing, How To, Hulu, in, Income, interest, interest rate, interest rates, international, investment, knock, Legal, lender, list, low, Make, making, mastercard, member, mobile, Mobile App, money, Money habits, Money Hacks, monthly expenses, More, more money, Move, Music, needs, netflix, new, News, offer, Online Savings Account, or, Other, party, paycheck, payments, paypal, pension, percent, Personal, personal finance, personal finances, plan, Popular, products, property, Purchase, rate, Rates, reach, retire, retirement, retirement fund, retirement plan, retirement savings, Review, rewards, right, sale, sales, save, Save Money, Saving, Saving for Retirement, savings, Savings Account, Savings Accounts, Savings Goals, security, shopping, simple, smart, Smart Money, Smart Spending, snowball, social, social security, sofi, Spending, square, Start Saving, Strategies, streaming, subscriptions, television, time, tips, traditional, v, vacation, variable, venmo, wants, wealth, wellness, will, wire transfers, work, young, young people

Apache is functioning normally

November 27, 2023 by Brett Tams

The Offer

  • On November 27th only, Citi is offering 20% off when you redeem Citi ThankYou points for the following gift cards.
    • AMC
    • Apple
    • Bath & Body
    • Chili’s
    • Fandango
    • Fun & Fabulous
    • H&M
    • Hulu
    • Red Robin
    • SpaFinder
    • Virgin Experience Gifts
    • Vudu

Our Verdict

Some people have the option to cashout Citi  TYP at 1¢, if you’re going to do that then this is better value. We saw 15% a few days ago, and readers wisely advised us to wait until Cyber Monday for 20%. It’s not all of the same brands, but some are the same. Personally, I’ll buy some Apple gift cards at 20% off.

Source: doctorofcredit.com

Posted in: Apartment Communities, Credit Cards Tagged: All, AMC, apple, apple gift cards, Buy, Citi, citi thankyou, citi thankyou points, Credit, credit cards, Cyber Monday, experience, Financial Wize, FinancialWize, fun, gift, Gift Card Deals, Gift Cards, gifts, Hulu, More, november, offer, points, US, value

Apache is functioning normally

November 25, 2023 by Brett Tams

The Offer

  • Citi is offering 15% off when you redeem Citi ThankYou points for the following gift cards.
    • Adidas
      Apple
      Athleta
      Baby Gap
      Banana Republic
      BJ’s Restaurant
      Brinker-Chili’s
      Chilli’s
      Dominos
      DSW
      Fanatics
      Fandango
      Fun & Fabulous
      Gamestop
      Gap
      Gap Options
      Hulu
      Let’s Eat
      Old Navy
      Red Robin
      Sears
      Spafinder
      Staples
      Virgin Experience Gifts
      Vudu

The Fine Print

  • Valid 11/24/23 only

Our Verdict

Some people have the option to cashout Citi  TYP at 1¢, if you’re going to do that then this is better value. Reader Peek shares this deal, but notes that these might be 20% on Cyber Monday, so it might be worth holding off a few days and hope to get a better deal then.

Source: doctorofcredit.com

Posted in: Apartment Communities, Credit Cards Tagged: apple, baby, Citi, citi thankyou, citi thankyou points, Credit, credit cards, Cyber Monday, experience, Financial Wize, FinancialWize, fun, gap, gift, Gift Card Deals, Gift Cards, gifts, Hulu, More, offer, points, print, restaurant, sears, shares, staples, value

Apache is functioning normally

November 20, 2023 by Brett Tams

All sorts of retailers are attaching the name “Black Friday” to sales, says Jane Boyd Thomas, a professor of marketing at Winthrop University in South Carolina.

As the Black Friday sales go on longer and expand into more categories each year, you’ll find deals you might not have thought about. Here are six offbeat Black Friday buys.

1. Tires

Can you see the top of Lincoln’s head? Car nuts will know the penny trick for gauging tire wear. And if you’re due for a new set, tire retailers and manufacturers are ready to sell you some new rubber at a discount. Nationwide retailer Discount Tire’s website says it will drop Black Friday tire and wheel deals Nov. 23-29 this year.

Look for deals on batteries and filters too. Your local car wash may even run a Black Friday promotion. Car stuff on Black Friday. Who knew?

2. Big-ticket baby gear

After the baby shower, stuff gets expensive to replace without the help of family and friends. Black Friday could be a good time to get a discount on something you use a lot that may be wearing out.

Thomas, who’s about to be grandmother, says it’s a category she wouldn’t have thought about otherwise at this time of year. She’s seen an influx of digital ads for strollers and highchairs lately, some of which were marked down by 50% for early Black Friday, she says. The week of Thanksgiving should bring deals from all sorts of baby brands like Owlet and BOB Gear.

3. Furniture

Rather than roll the dice on a gift your mom or dad might not use, give them a comfortable place to sit for the next gathering at your house. Furniture isn’t the first thing that comes to mind for a Black Friday score, but deals on couches, chairs and tables are in full effect this November. You can get up to 35% off at LoveSac right now, and over at Macy’s, the popular Radley sectional couch is marked down 47% through Nov. 25.

Your relatives should appreciate the soft seating at holiday gatherings.

4. Amusement park tickets

You may not be thinking about theme parks at the moment, but there are deals worth cheering for this time of year. You can save up to 60% on tickets and annual passes to SeaWorld Orlando, for example, or up to 50% on tickets to Busch Gardens Williamsburg, Virginia. If a theme park visit is in your family’s future, look for a deal now.

5. Health and beauty supplies

Not everything has to be a big-ticket buy on Black Friday. You can also find good sales on smaller items like health and beauty products, for example. Thomas says it’s interesting to see how early retailers like Ulta Beauty have pushed out discounts.

Ulta deals are happening now and roll on through Nov. 25. Look for good discounts on items you need to restock, like shampoo and conditioner. Check the websites of your favorite brands for deals, too.

Also, look at your local drugstore on or around Black Friday for better-than-usual buys on toiletries and over-the-counter medicines.

6. Streaming services

Streaming services are getting pricey, and the cost of multiple subscriptions adds up. Last year’s Black Friday streaming deals included 50% off a Paramount+ annual plan and one year of an ad-supported Hulu subscription for $1.99 a month.

Check provider websites on Thanksgiving, Black Friday and Cyber Monday to make sure you don’t miss out. Note that offers may apply only to first-time subscribers.

Don’t let Black Friday break you

A great deal is still a bad reason to go into debt, offbeat buys notwithstanding.

NerdWallet’s 2023 holiday shopping report found that around half of Americans (52%) incurred credit card debt shopping for gifts last holiday season, and among them, nearly a third (31%) haven’t paid off these balances.

And if you’re taking on credit card debt to spend on a semi-discretionary item like a sofa, you may want to reconsider.

Even 50% off a $5,000 item is still a hefty $2,500 out of your budget, said Robert Finley, a certified financial advisor and founder of Virtue Asset Management in Chicago, in an email. Try not to be “seduced by a discount,” he added.

But let’s say you have the money saved for something you need — like tires — and you come in under budget on the purchase thanks to a holiday sale. Finley called what’s left over “found money,” and doesn’t recommend going shopping with it.

Instead, make sure to pay off credit cards to avoid interest, put savings toward student loans if you have them, and if anything is left, invest it, he said.

We won’t knock you if you still want to shop some, though. It’s Black Friday after all.

But while the masses are scrambling to save 20% on an air fryer, you might find something more useful on sale. Look around.

Source: nerdwallet.com

Posted in: Moving Guide, Personal Finance Tagged: 2, 2023, About, ad, advisor, air, All, Appreciate, asset, baby, baby shower, Beauty, big, black, black friday, Budget, Buy, car, categories, chairs, chicago, cost, couch, couches, Credit, credit card, Credit Card Debt, credit cards, Cyber Monday, Deals, Debt, Digital, Discounts, expensive, Family, financial, Financial Advisor, Financial Wize, FinancialWize, first, furniture, future, gift, gifts, good, great, health, Health and Beauty, holiday, holiday season, holiday shopping, house, Hulu, in, interest, Invest, items, knock, Loans, Local, Make, management, Marketing, money, More, nerdwallet, new, november, offers, one year, or, Orlando, park, penny, personal finance, place, plan, Popular, products, Promotion, Purchase, ready, report, right, sale, sales, save, savings, score, seating, Sell, shopping, shower, sofa, South, South Carolina, streaming, student, Student Loans, subscriptions, thanksgiving, theme park, time, under, virginia, Websites, will

Apache is functioning normally

November 20, 2023 by Brett Tams

The Offer

Direct Link

  • Sign up for the Premier version of the Disney credit card and receive a $400 bonus after spending $1,000 within 3 months. $49 annual fee not waived for the first year.

Card Details

  • Read our full review here
  • Earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com or ESPNPlus.com
  • 2% in Disney Dream Reward Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations
  • 1% in Disney Dream Reward Dollars on all other purchases
  • Annual fee of $49
  • Disney perks:
    • Character Meet ‘N’ Greet at a private Cardmember location
    • 10% off select merchandise purchases of $50 or more at Disney Store and DisneyStore.com
  • 5/24 rule now applies to this card

Our Verdict


Previous best was $300. This would take a 5/24 slot and you have to pay the annual fee so this is really a $351 bonus. Might be tempting for some people (especially as you can’t get CSP + CSR now) if you’re valuing cash bonuses highly. For most people going for other Chase cards will be better value though. We will still add it to the best credit card bonuses.

Hat tip to brk51

Source: doctorofcredit.com

Posted in: Apartment Communities, Credit Cards Tagged: 2, All, best, big, bonus, bonuses, cash, chase, chase disney, chase disney premier, Credit, credit card, credit card bonuses, credit cards, disney, dream, Financial Wize, FinancialWize, first, gas, gas stations, grocery, grocery stores, Hulu, in, More, offer, or, Other, premier, read, restaurants, Review, reward, rewards, signup bonus, Spending, value, will

Apache is functioning normally

November 2, 2023 by Brett Tams

As we near the end of year, it’s a good time to take stock of our credit cards and review which ones have benefits, requirements, or limits that reset at year-end. We’ll also examine which cards give you a quick double-dip credit when applying at year-end, and take a look at which cards to apply for now.

I’ve been doing this write-up with updates each year for the past number of years (2022, 2021, 2020, 2019, 2018, 2017, 2016, 2015). This year again there were many changes. I updated what came to mind, and there are probably some we missed. Please drop a comment below if you notice any changes or inaccuracies changes and we’ll update accordingly.

Calendar Year Spend Limits

  • Blue Business Plus and Blue Business Cash cards earn 2x/2% everywhere on up to $50,000 in purchases per calendar year. (A report indicates this resets on January 1st, not the December statement close.)
  • Amex Gold card earns 4x points at US grocery stores up to $25,000 per calendar year. (Resets with December statement or December 31?)
  • Amex SimplyCash Plus earns 5% at office/wireless and 3% on your chosen category, up to $50,000 per calendar year for each of those. This resets on January 1st each year.
  • Amex Everyday Preferred $6,000 limit on the 3x grocery store category per calendar year. (Resets with December statement or December 31?)
  • Amex Everyday $6,000 limit on the 2x grocery store category per calendar year. (Resets with December statement or December 31?)
  • Blue Cash Preferred $6,000 limit on the 6% grocery store category per calendar year. This resets January 1 each year, not on the December close date.
  • Blue Cash Everyday $6,000 limit on the 3% grocery store category per calendar year. This resets January 1 each year, not on the December close date.
  • The Old Blue Cash card does not reset with the calendar year, it goes with your card anniversary.
  • The INK Plus/Cash and the INK Preferred years do not reset with the calendar year, it goes with the card anniversary.
  • Also, remember that the annual limits on points earned for credit card referrals by Chase (50,000-100,000 points, depending on the card) and AmEx (55,000 points/$550) will reset on January 1st. If you’re someone who does a lot of referrals, be sure to max out what you can before December 31 and then start referring again on January 1st.
  • Q4 Categories: Chase Freedom, Discover, Citi Dividend, and U.S. Bank Cash+ and a few other cards have quarterly categories. The current categories for Q4 will end on December 31. More details here. Likewise, the quarterly $2,500 limit on the Bank of America Cash Rewards card will renew on January 1. There are also some spend offers from Chase, notably the 10x Gas offer, which ends on December 31st.
  • You have until December 31st to max out your I Bonds purchases which are limited to $10,000 each calendar year.
  • List of all deals ending on December 31st can be found on our Deals Calendar.

Calendar Year Spend Requirements

  • Amex Hilton Surpass gets a free weekend night with $15,000 in spend within the calendar year, and gets Diamond status with $40,000 in spend within the calendar year.
  • Amex Hilton Honors business card gets a free weekend night with $15,000 in spend within the calendar year, it gets a second weekend night with a total of $60,000 in spend within the calendar year. It also gets Diamond status with $40,000 in spend within the calendar year.
  • Amex Hilton Honors gets Gold status with $20,000 in spend within the calendar year.
  • Amex Hilton Aspire gets a second free weekend night with $60,000 in spend within the calendar year. (First weekend night comes as a card benefit, and is based on card anniversary, not calendar year.
  • Amex Delta Reserve – both personal and business versions – earn 15,000 MQMs (18,750 MGMs for 2021 due to temporary bonus) and 15,000 bonus miles $30,000 in spend within the calendar year, and an additional 15,000 MQMs and 15,000 bonus miles if you spend a total of $60,000 within the calendar year.
  • Amex Delta Platinum – both personal and business versions- earn 10,000 MQMs and 10,000 bonus miles when you spent $25,000 in a calendar year, and an additional 10,000 MQMs and 10,000 bonus miles if you spend a total of $50,000 within the calendar year.
  • Amex Platinum consumer and business cards – spend $75,000 or more during a calendar year and receive complimentary Centurion lounge access for up to two guests per visit.
  • Barclay Jetblue Plus card earns Mosaic status with $50,000 in spend per calendar year.
  • Chase British Airways card gets the Travel Together Ticket benefit when spending $30,000 in a calendar year.
  • Chase Hyatt card gets an additional night if you spend $15,000 in the past year. This one has now changed to go based on the calendar year. Finish up your spending now if you’re trying to get the additional night and begin your spending for next year on January 1st.
  • Chase Hyatt cards offer elite nights with spend: the Hyatt consumer card gets 2 nights for every $5,000 spent; this does not reset at all. The Hyatt business card gets 5 nights for every $10,000 spent; this resets with the calendar year.
  • Citi American Airlines AAdvantage Platinum Select card gets $125 flight discount certificate after spending $20,000 or more – this goes with the cardmember year (based on 12 billing statements), not based on calendar year.

American Express Cards 

Airline Credit

Amex Platinum personal, Platinum business, and Hilton Aspire cards have an airline incidental credit each year: $250 for the Hilton Aspire and $200 for the Platinum cards (see what counts here). Unfortunately, gift cards no longer trigger the airline incidental credits.

With these cards, the airline credit is based on the calendar year, not on the statement closing. You can put the airline incidental charges anytime until December 31 and have it count toward the current year. It might have to actually post before year’s end, though; give a few days for that to happen.

The Amex airline credit is different than the others in this list in that you only get reimbursed for incidental spend on your designated airline. Be sure to designate that before putting the charge on the card.

If you’re looking to apply, there is still time to do so and get the airline credit for the current year. The annual fee usually hits around a month after card approval – useful to keep in mind for maximizing the travel credits without annual fees and for triple-dipping. (For those applying in the final few days of the year, see this tip.)

Related: Opening a Schwab Brokerage, Checking, and Amex Platinum Credit Card before Year’s End

Platinum Hotel Credit

The Platinum personal card comes with a $200 annual hotel credit on  select prepaid bookings with American Express Travel. Be sure to book before December 31st. You don’t need to complete your travel by that date.

Platinum Uber Credit

The Platinum personal card also comes with a monthly $15 credit, remember that it gets increased to $35 during the month of December.

Platinum Saks Credit

The Platinum personal card also comes with a $50 Saks Fifth Avenue credit twice per year: one from January to June and one from July to December. Be sure to use that up before the end of December. They only charge you after the item ships, so give some leeway here.

Platinum Business Dell Credit

The business Platinum card comes with a $200 Dell credit twice per year: one from January to June and one from July to December. Be sure to use that up before the end of December (along with the Amex Offer at Dell which expires then). Give some leeway for the charge to post by December 31.

Hilton Aspire

The Hilton Aspire card also comes with a $250 Hilton Resort Credit and a free weekend night. Those are based on the cardmember year, not calendar year.

2024 Changes:

  • The Hilton Aspire $250 resort credit is changing on 1/1/24 to become a $200 resort credit twice per year. This goes based on the calendar year – once for January through June and once for July through December.
  • The $200 airline incidental credit is also changing to become a $50 airline flight credit each quarter – this goes by the calendar quarter.
  • The Hilton Surpass card also now has a quarterly $50 credit purchases made directly with a property in the Hilton this goes based on the calendar quarter.

Amex Green

The Green personal card comes with an annual $189 CLEAR credit and annual $100 LoungeBuddy credit. These reset each calendar year, so you should be able to use the credit for this year anytime until December 31.

Other Credits

Bank of America

Premium Rewards

The Bank of America Premium Rewards card comes with $100 airline incidental credit (see what counts here). This resets based on the calendar year. Finish up your statement credit with this one by December 31 (buying AA gift card or United Travel Bank credit is easiest), and start using your new credit on January 1. I’ll buy a gift card right away in case they close that loophole. (Note, the airline incidental meter seems to take a few days/weeks until it shows the reset. While it should be internally reset on January 1st, you might want to wait until you see it reset to zero for the avoidance of doubt.)

Premium Rewards Elite

The Bank of America Premium Rewards Elite Visa card comes with an annual $300 airline incidental credit and $150 lifestyle convenience credit (including streaming services, food delivery, fitness subscriptions and rideshare services). These reset with the calendar year.

Be sure to use up your credits from this year now, and begin using next year’s credits after the new year begins. It can also make sense to apply now and try for a triple dip on the card benefits.

Barclay JetBlue

The Barclay JetBlue Plus card gets $100 calendar year credit for JetBlue Vacations bookings.

Capital One Venture X

The Capital One Venture X personal card offers a $300 credit for bookings made on Capital One Travel. This renews each cardmember year, it’s not based on the calendar year. Same on the Venture X Business card.

Chase Cards

Southwest

Earning 135,000 Southwest points earns you the Southwest Companion Pass. Credit cardholders only need to earn 125,000 miles. The best way to time yourself is to earn the miles at the beginning of the calendar year since Companion Pass continues for the next entire calendar year. For example, if you earn 125,000 Southwest miles during January 2024, you’ll have the Companion Pass for the rest of 2024 and the entire 2025.

The easiest strategy to earn the Companion Pass has always been by getting a credit card signup bonus on the Southwest credit card. In our case, you’ll want to apply sometime in the next couple of months, taking care to ensure NOT to meet the spend requirement until after January 1st. (Technically, you can meet the spend requirement during December, so long as the statement won’t close until after the 1st.) The signup bonus points on the two cards will post after you complete the spend in early 2024, and you’ll have a Companion Pass for nearly two years.

Southwest is currently offering a signup bonus of 75,000 points with $3,000 spend. You can also signup for a Chase Southwest business card and get 80,000 points after $5,000 spend. Or you can earn points by referring friends to the Southwest card, doing category spend, shopping portal spend, or an actual flight. Again, be careful with the timing on ALL points earned.

Many of us are not eligible for any of the Southwest cards at all due to the 5/24 rule, or because you’re a current Southwest cardholder of any version or because you got a bonus within the past 24 months.

$75 Southwest Priority Credit

The new Southwest Priority card comes with a $75 annual Southwest travel credit which runs on the cardmember year, not the calendar year. No need to use it up now, specifically.

Sapphire Reserve


The Chase Sapphire Reserve card comes with a $300 travel credit (see what counts here). This used to be based on the calendar year, but now it’s based on the cardmember year – no specific need to use this now.

And if you’re applying for a new CSR card, there’s no special reason to apply before year’s end. Whenever you apply, you’ll get just one travel credit during the first year (maybe you can squeeze a second credit in right after the year renews).

Those who got the CSR before May 21, 2017, are grandfathered into the old system where the travel credit renewal goes with the calendar year. (It’s based on the December statement closing, not December 31.) Be sure you’ve already used up your credit for this year, and remember that you’ll soon be able to begin using 2020’s credit.

The Chase PYB 1.25 redemption categories ends on December 31, though they are likely to get extended.

Also, remember each quarter to use up your $15 in DoorDash credits.

Sapphire Preferred

The Chase Sapphire Preferred card comes with a $50 annual hotel credit via the Chase travel portal. This resets based on the cardmember year, not the calendar year.

Ritz-Carlton

The Chase Ritz-Carlton card offers up to $300 reimbursements for airline incidental charges (see what counts here). Chase counts the benefit based on the calendar year, not cardmember year. (It goes based on the actual calendar year, not based on your statements.) Use the credits before December 31 and begin using next year’s credit on January 1.

IHG Cards

The Chase IHG card gets a free night each year. This does not reset with the calendar year, it goes with your card anniversary.

IHG cards also have spending thresholds of $10,000, $20,000, or $40,000 to earn Gold/Diamond status for the following year and to earn 10,000 bonus points (and on the Premier $100 credit). These spend requirements go by the calendar year.

The IHG Premier personal and business cards get $25 in United TravelBank credit twice per year: one $25 United TravelBank gets deposited around January 5, and another $25 around July 5. Requires registration first.

Hyatt

The Chase Hyatt cards get a free night each year. These do not reset with the calendar year, it goes with your card anniversary.

The Hyatt Business card gets $100 in Hyatt credits each year. This is based on card anniversary.

United Quest

The United Quest card gets up to $125 in statement credits as reimbursement for United purchases. This goes based on the card anniversary year, not calendar year. The card also offers up to 10,000 miles back for award flight bookings. Again, this goes with the cardmember year, not calendar year.

Citi

Prestige

The Citi Prestige card comes with a $250 travel credit (see what counts here). The year resets on January 1st. Be sure to give a few days leeway for the charges to go from pending to settled.

If you have a Prestige card, use up the credit now, there’s only a few weeks remaining. The Prestige card is not available for new cardmember signups at this time. 

Rewards+

The Citi Rewards+ card comes with a 10% rebate on redemptions, up to 10,000 points bonus per year. This is based on your December statement close. Be sure to max out your 100,000 points redemption before your December statement closes so as to get the full 10k bonus. Redemptions that post on your January statement will count toward next year’s allotment.

Expedia+ Voyager

Those who have the Citi Expedia+ Voyager card get $100 annual credit toward airline incidentals on qualified airlines, Wi-Fi carriers, or for the Global Entry application fee. This credit resets each calendar year; be sure to use it up before your December statement closes as any purchases on your January statement will count toward next year’s benefit.

AAdvantage Platinum Select

The Citi American Airlines AAdvantage Platinum Select card gets $125 American Airlines Flight Discount certificate after spending $20,000 or more during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month).

Citigold

Those with Citigold relationship status with Citibank get an annual credit of either $200 or $400 toward subscriptions for Amazon prime, Spotify, Hulu, TSApre/GE, and Costco membership. This credit renews at the end of the calendar year. Be sure to use up your allotment before December 30th.

US Bank Altitude Reserve

The US Bank Altitude Reserve card comes with a $325 annual travel and dining credit. In this case, the travel credit goes based on the cardmember year, not the calendar year. No specific reason to use this now.

Wells Fargo Propel World

The Wells Fargo Propel World card has a $100 airline incidental credit (see what counts here).This credit goes based on the cardmember year, not the calendar year. Check when you applied and be sure to use it up by your anniversary date.

Smaller Banks

CNB Crystal

The CNB Crystal card offers a $350 annual incidental charges (see what counts here). CNB counts this based on the calendar year. Any spend until December 31 will count as part of the current year, and January 1 begins the next year. Be sure to complete your spend before December 31. Give a few days for the charge to settle before year’s end (though it reportedly works on the last day too).

HSBC Premier

The HSBC Premier World Elite comes with $120 annual Lyft credit which is based on the calendar year. Be sure to use these up before December 31.

PenFed Pathfinder

The PenFed Pathfinder comes with $100 annual air travel ancillary credit (see what counts here). The credit is based on the calendar year, be sure to use yours before the year is up.

Also check out these useful posts:


Source: doctorofcredit.com

Posted in: Apartment Communities, Credit Cards Tagged: 2, 2015, 2016, 2017, 2019, 2020, 2021, 2022, 2023, actual, air, air travel, airlines, All, Amazon, amazon prime, american airlines, american express, amex everyday, amex everyday preferred, anniversary, Bank, bank of america, banks, before, Benefits, best, blue, blue business plus, blue cash, bonds, bonus, book, british airways, brokerage, business, Buy, Buying, Capital, capital one, capital one travel, Capital One Venture, capital one venture x, cash, categories, Centurion, chase, chase british airways, chase freedom, chase hyatt, chase ihg, chase sapphire, Chase Sapphire Preferred, chase sapphire reserve, chase southwest, checklist, Citi, citi american airlines, citi dividend, citi prestige, Citi Prestige Card, citibank, clear, closing, Convenience, costco, couple, Credit, credit card, credit cards, credits, Deals, dell, delta, dining, discover, dividend, doordash, double, earning, entry, Fees, Financial Wize, FinancialWize, first, fitness, flight, food, Food Delivery, Free, freedom, gas, gift, Gift Cards, gold, good, green, grocery, grocery stores, guests, hilton, hilton surpass, HSBC, Hulu, hyatt, ihg, in, january, jetBlue, JetBlue Plus, Lifestyle, list, lounge access, lyft, Make, max out, miles, More, new, new year, offer, offers, office, or, Other, penfed, Personal, platinum, points, premier, premium, property, quarterly categories, Rebate, referrals, report, Review, rewards, rideshare, right, Schwab, second, shopping, signup bonus, southwest, Spending, stock, streaming, subscriptions, the new year, time, timing, Travel, travelbank, u.s. bank, Uber, united, update, updates, US, US Bank, US Bank Altitude Reserve, vacations, venture x, visa, weekend, wells fargo, Wells Fargo Propel, wells fargo propel world, wi, Wi-Fi, will, wireless

Apache is functioning normally

September 9, 2023 by Brett Tams

Lots of American Express Platinum cardholders subscribe to the Disney Bundle Trio Premium which costs $19.99. This uses up the monthly $20 Entertainment credit. 

Beginning on October 12, 2023, this bundle will increase in cost to $24.99. 

There is a new Disney Bundle Duo Premium costing $19.99 which you can subscribe to instead. This will keep you within your  $20 monthly allotment on the Amex Platinum card. By switching to the Duo in place of the Trio, you’ll keep the Disney+ and Hulu, but you’ll lose the ESPN.

Hat tip to nuprotocol

Source: doctorofcredit.com

Posted in: Apartment Communities, Credit Cards Tagged: 2023, american express, american express platinum, cost, costs, Credit, credit cards, disney, Entertainment, espn, Financial Wize, FinancialWize, Hulu, in, new, place, platinum, premium, will

Apache is functioning normally

September 4, 2023 by Brett Tams

(Update  9/3/23: Audible is getting removed from October 2, 2023 and beyond. They added Wall Street Journal instead.)

American Express has just launched a number of new benefits for Platinum cardholders. In this post we will explain the new $240 digital credit. This credit allows cardholders to get up to $20 in statement credits per month when they make purchases with participating partners. You need to enroll in this benefit first (enrollment link here). The participating partners are as follows:

  • Peacock
  • Audible  (removed from October 2, 2023, and beyond)
  • SiriusXM
  • The New York Times
  • Hulu
  • Disney+
  • Disney+ bundle (with Hulu and ESPN+)
  • ESPN+
  • Wall Street Journal (added in August 2023)

You need to allow 6-8 weeks for the credits to post, but it will likely credit much quicker than that.

Peacock

The credit can be used on all Peacock subscriptions (Peacock Premium & Premium Plus). Gift card purchases are specifically excluded.

  • Peacock Premium is $4.95 per month
  • Peacock Premium Plus is $9.95 per month

Audible

Credit can be used on all Audible subscriptions (Audible Plus & Audible Premium Plus) as well as audiobook purchases. Audible has two membership tiers:

  • Plus: $7.95
  • Premium Plus: $14.95


More information about Audible can be found here (our affiliate link).

SiriusXM

All purchases made directly with SiriusXM online, telephone or direct mail purchases. It excludes SiriusXM safety, security or Telematics services (Connected Vehicle), SiriusXM for Business subscriptions, SiriusXM ad sales or Pandora. SiriusXM has three different membership tiers (plus a bunch of additional options):

  • Streaming: $10.99 per month
  • Car + streaming select: $16.99 per month
  • Car + streaming all access: $21.99 per month

New York Times

Unfortunately purchases from NYtimes store are excluded, as are gift card purchases. Subscriptions (digital, print, NYT Cooking, and New York Times Game) are all eligible. New York Times digital subscription is $4.25 per week (billed at $17 every four weeks).

Best Uses Of The Credit

The best use of this credit will obviously be if you’re already subscribed to any of these services or would like to subscribe to them. At the moment we don’t know if things like gift card purchases will work, although they are specifically exclude in the terms that doesn’t always mean it’s enforced (although with American Express who knows if they will do a claw back ten years from now).

I can’t see any interesting portal plays at the moment (looks like Mr Rebates has $5 on Peacock), but SiriusXM sometimes has deals where you can get free echo dots and or similar devices when signing up.

I think most people that just want to ‘set & forget’ this credit will end up doing a combination of Peacock and Audible. Obviously some will find SiriusXM and New York Times useful as well. Overall this credit as it currently stands is extremely disappointing, fingers crossed we can find some better uses of it.


Source: doctorofcredit.com

Posted in: Apartment Communities, Credit Cards Tagged: 2, 2023, About, ad, All, american express, american express platinum, audible, Benefits, best, business, car, cooking, Credit, credit cards, credits, Deals, Digital, disney, espn, Financial Wize, FinancialWize, first, Free, gift, Hulu, in, Make, More, new, new york, new york times, or, platinum, premium, print, safety, sales, security, streaming, subscriptions, update, wall, Wall Street, will, work

Apache is functioning normally

August 17, 2023 by Brett Tams

Want to learn how to sell DVDs online and near you? Here’s how you can make extra money selling used DVDs.

Do you have a stack of DVDs taking up space in your home? If so, you can sell DVDs online as a way to declutter and put some extra cash in your pocket.

While you may no longer need or want the DVD, there are people still buying DVDs out there.

This guide on how to sell used DVDs includes tips on:

  • The best places to sell DVDs online
  • How to get started selling DVDs online
  • How to make the most money selling DVDs
  • How much you can earn selling used DVDs online

Here’s a step-by-step guide to help you get started and teach you how to sell used DVDs online.

Related content on ways to make extra money from home:

Best places to sell DVDs online

There are many online platforms and vendors where you can sell DVDs. Before choosing a platform, make sure to find out what fees and payment methods (for example, some may only pay via trade-in credit, whereas others may pay cash) each website provides, as well as what the customer reviews say.

Here are the most popular options for selling DVDs online.

1. eBay

eBay is one of the largest online marketplaces and lets you list both new and used DVDs. You can set your own prices and choose between auction-style listings or fixed-price listings. eBay is user-friendly and the site is easy to navigate and create listings.

My sister has sold on eBay plenty of times, and it is easy.

It’s important to accumulate positive feedback as you complete transactions because it will improve your ratings, which increases your visibility on the website.

2. Amazon

Selling new DVDs on Amazon can be a great way to get started.

Amazon has a massive reach and customer trust. Everyone knows what Amazon is!

Sellers can list DVDs as individual items or in bulk. You can choose between an individual seller account or a professional seller account.

For individual sellers, this account is best for people who are not selling regularly. You pay per-item fees for every sale. A professional seller account is different. You pay a monthly subscription fee to have this account and it’s designed for people who are selling regularly on Amazon. With this account, you can list an unlimited number of products.

With Amazon, you can choose between Fulfillment by Amazon (FBA) or Fulfillment by Merchant (FBM). Fulfillment by Amazon (FBA) means Amazon will store, pack, and ship your products to customers. Fulfillment by Merchant (FBM) means you have to handle the fulfillment process yourself and ship products to customers. 

There is also the Amazon Trade-In program that you may want to try too.

3. Decluttr

Decluttr is a platform that buys and sells items, including new and used DVDs. The website and mobile app are incredibly easy to use.

All you have to do is scan the barcode of your DVDs and you’ll get instant price quotes. Decluttr stands out from the other platforms on this list because the app provides a quick valuation process. This makes it quick and easy to get an idea of how much you can earn for your DVDs.

Decluttr even provides you with a free shipping label, so all you have to do is pack the items in a box and ship them to Delcuttr. Decluttr covers shipping costs making the process easy for sellers.

Keep in mind that you are likely to receive lower profits since Decluttr is doing a lot of the work for you. You will likely earn more money if you decide to sell directly to consumers on a different platform. But, you’ll also have to do more work on other platforms.

4. Bonavendi

Bonavendi is a website that lets you compare different platforms for your used items like DVDs. Bonavendi works as a price comparison tool so you can see which site will pay you the most for your item. 

To find out how much you can receive for a DVD, all you do is enter the barcode of the item you’re selling. A list pops up with each platform and how much each site offers for the DVD.

This saves you a ton of time and helps you make more profit since you’ll know which platform is best for selling your DVDs.

5. Facebook Marketplace

Facebook Marketplace is an easy way to list DVDs to sell to local buyers in your town or neighborhood. If you already have a Facebook profile (which most people do), you can start creating listings immediately on Facebook Marketplace and in local buy and sell groups. Simply provide accurate information on your listing and maintain good communication on the platform. 

Make sure to choose a public and safe location for the exchange, like a police station parking lot. You may even consider bringing a friend along or letting someone know where you are meeting this person. This is important when using Facebook Marketplace because you are personally meeting up with a stranger from the internet and exchanging money.

Facebook Marketplace is a great option for people who do not want to deal with the hassle of shipping and want to sell an item as quickly as possible.

6. Etsy

If you have collectible DVDs, Etsy is a great place for selling your items to a niche audience. Etsy is known for selling items that are handmade, vintage, or unique. Keep this in mind when you consider selling DVDs on this platform. You probably can’t just sell a DVD without it being unique in some way (although, I did check Etsy and I did see just normal DVDs listed on the site).

DVDs that are a good fit for Etsy should have a unique or collectible aspect. This could be a DVD with special packaging, limited editions, or signed copies by a director or actor.

7. Craigslist

Craigslist is similar to Facebook Marketplace as it allows you to sell to local buyers. It’s quick and easy to list DVDs on Craigslist. It’s also important to have good communication and be responsive to emails about your items. People generally like to hear back quickly (the same day if possible).

Once you’ve connected with a buyer, determine where you will meet and what time. Make sure to choose a safe location like a police station or public space. You may even want to bring a friend or let someone know where you are meeting the person.

One idea for Craigslist is to simply list all of your DVDs in a single listing, which can make it easier instead of making separate listings for each DVD that you have.

8. SellDVDsOnline.com

Sell DVDs Online is a platform that allows you to sell DVDs directly to SellDVDsOnline.com. The process is easy.

To get started, all you have to do is enter the DVD’s UPC code, which is usually on the back of the DVD by the barcode. You’ll receive an instant price quote. Sell DVDs Online offers free shipping and you never come in contact with customers. 

9. EagleSaver

Eagle Saver is a website that lets you sell books, CDs, DVDs, and games for cash. Eagle Saver has a free app so that you can scan your DVDs and value your items faster.

Benefits of selling DVDs on EagleSaver.com include getting paid quickly, risk-free quote guarantee, no fees, and free shipping. With EagleSaver.com, all orders qualify for a free FedEx shipping label, tracking number, and $100 of packing insurance.

10. Yard sale

Though yard sales aren’t online, they are a quick way to get rid of your DVDs and blu-ray movies. You can gather all of your DVDs into one place so buyers can browse through them quickly. Price them competitively at $1 for standard DVDs or $2 for special editions. 

Then, organize your DVDs neatly so buyers can go through them without any problem. You may even want to consider offering bundle deals, like “Buy 5 DVDs for $3”. This can encourage garage sale buyers to buy more DVDs.

To sell more DVDs, you could even have a DVD player and TV set up so you can demonstrate that the DVDs are in working condition. This is going to help the buyer feel confident and make their purchase.

Make sure to promote your yard sale through local community groups, local yard sale apps, social media, and by placing signs around your neighborhood.

11. FYE

FYE is an entertainment retailer that sells new and used music, DVDs, video games, and more.

While their online store is not currently accepting used items, most of their store locations currently are. You can use their store locator to find a store near you. This can be an easy way to sell your items in person by simply bringing a big stack with you.

How to get started selling DVDs online

Now, we’ll talk about how to get started selling DVDs online, so you can start making money from selling DVDs ASAP.

1. Gather your DVDs together

Grab all of your DVDs and sort them into one area. Go through each DVD and make sure they are in good condition with intact cases and minimal scratches. Open up the case, of course, and make sure there is a DVD in there (sometimes they disappear over the years).

2. Research what is selling

Do research and find out which DVDs are in demand and what they are selling for. Some of the sites above will give you an idea of how much you can get for a used DVD.

3. Pick a platform to sell DVDs

One of the most important steps on this list is choosing a selling platform. For example, Bonavendi is a great tool for comparing different platforms and getting the best price on a DVD. Facebook Marketplace or a garage sale may mean selling an item very quickly, though, and in person.

4. Create DVD listings and set pricing

If you plan on selling the DVD yourself, you will need to create a listing for each DVD. Make sure the listing is accurate, detailed, and has clear photos of the DVD, case, and any special features. 

Next, you will set a competitive price based on the research you do. Keep in mind the DVD’s condition, rarity, if it’s a set, and market demand when pricing the DVD.

5. Payment methods

Once you know which platform you’re going to use to sell DVDs, make sure there is a secure payment method for the platform. If you’re selling DVDs on Facebook Marketplace or Craigslist, expect to receive payment as cash or through a platform like Venmo.

Personally, I would not accept a check for a small payment such as a DVD from a person I met on Facebook Marketplace or Craigslist for example, as though are common scams.

6. Customer service

When selling used DVDs online, try to keep your reviews and ratings high on platforms by responding to questions and solving any problems (reading your reviews can also help you to improve your process). Remember, positive reviews are important for selling a lot of DVDs online so that future buyers can trust that your DVDs work. For example, if you have a lot of reviews that mention that the DVDs do not work, this may prevent other people from buying from you.

7. Shipping and packaging

Figure out how you want to ship, which carrier you want to ship with, and if you want to ship at all. You may prefer skipping shipping altogether and meeting customers in person to sell DVDs.

If you do decide to ship your DVDs, they need to arrive in good condition. Make sure to use proper packaging materials and be transparent about delivery times and shipping costs in your listing.

8. Keeping track of inventory

Whenever a DVD sells, take down the listing immediately if it isn’t done automatically. This is going to help you avoid any issues with other customers trying to buy the same item and save you time and headaches. 

 

Best tips for selling DVDs online

Here is a list of the best tips for selling DVDs online.

  • Optimize your DVD listings by using high-quality images of your DVDs and writing clear and detailed descriptions
  • See what similar DVDs are selling for and set competitive pricing
  • Bundle similar titles and offer a deal to encourage buyers to buy more items at once
  • Be honest about the condition of the DVDs and disclose any scratches or missing items (like original cases or inserts)
  • Mention special edition DVDs and other collector’s items you have (if you have one of these)
  • Use multiple platforms to reach a broader audience
  • Provide tracking information to buyers

 

How much can you make selling DVDs online?

What you can earn from selling DVDs online depends on a few different factors, such as the condition of the DVDs, the rarity of the DVD, demand, which platform you use, and what’s trending in the DVD market.

Here are a few things that may impact how much money you can make from each DVD:

  • Condition – If your DVD is brand new, unopened, and wrapped in plastic still, the DVD may be able to be priced higher. However, if your DVD has scratches or dented cases, those things can impact pricing.
  • Market demand – If you have a DVD that is rare, a special edition, or a collector’s item, this DVD will sell for a higher price due to the rarity and increased demand for the item.
  • Platform – The platform you choose has a big impact on your profits. Some platforms have fees, some don’t, and others have more dedicated DVD collectors, while others don’t.

 

FAQs about selling used DVDs

Here are answers to common questions about selling used DVDs online and locally.

Are used DVDs worth anything?

Yes! You can actually make money selling used DVDs and blu-rays. If you have a DVD collection, you may want to think about going through it and seeing what movies you can sell. After all, with Netflix and Hulu being around, there’s a good chance that you haven’t touched your DVD collection in a long time.

How do I know if my DVD is valuable?

You can check some of the different websites that sell DVDs to see what they are selling for.

Where is the best place to sell DVDs? Where can I sell DVDs?

Some of the best places to sell DVDs online and locally include eBay, Amazon, Decluttr, Bonavendi, Facebook Marketplace, Etsy, Craigslist, SellDVDsOnline.com, Eagle Saver, and having a yard sale. A used bookstore may buy used DVDs as well. Some of the easiest online sites will work right from an ios or Android device too, meaning you can sell DVDs from your phone!

How much can you sell a used DVD for?

The amount you can sell a used DVD varies, but generally, you can earn about $0.50 to $20. It depends on what you are selling (for example, box sets or TV series usually will earn you more money).

You will want to think about costs for the different selling sites, as things like shipping fees can add up quickly.

You may receive money through PayPal, direct deposit, paper check, trade-in credit (yes, you may be able to trade in movies), store credit, or even cash by selling your old DVDs.

Is Decluttr a trusted site?

Yes, Decluttr is a trusted site to sell used DVDs online. You can even sell your used video games, textbooks, video game consoles, tablets, or old cell phones on this site too.

How much do pawn shops pay for DVDs?

Pawn shops usually pay around $0.50 to $5.00 for used DVDs.

 

Sell DVDs online – Summary

Now you can get started selling DVDs online and making extra money with this side hustle. Selling your used DVDs online has so many benefits, including decluttering, freeing up shelf space, and making extra cash for vacations or paying off debt.

If you’re no longer using your DVDs, put them to good use by selling them to people who want to buy them and use that money to reach your financial goals.

Have you ever sold DVDs online? What was your experience like?

Source: makingsenseofcents.com

Posted in: Extra Income, Mortgage Tagged: 2, About, All, Amazon, android, app, Apps, before, Benefits, best, big, Books, Buy, buyer, buyers, Buying, cash, CDs, cell phones, cents, chance, clear, communication, community, Consumers, craigslist, Credit, customer service, Deals, Debt, declutter, decluttering, deposit, Direct Deposit, Eagle, eBay, Entertainment, experience, Extra Income, Extra Money, facebook, Features, Fees, financial, Financial Goals, Financial Wize, FinancialWize, first, fixed, Free, friendly, future, games, garage, garage sale, get started, goals, good, great, guide, home, How To, Hulu, impact, in, Insurance, internet, inventory, iOS, items, Learn, list, Listings, Local, LOWER, Make, make extra money, Make Money, making, Making Money, market, Media, minimal, mobile, Mobile App, money, More, more money, most popular, movies, Music, neighborhood, netflix, new, offer, offers, or, organize, Original, Other, packing, paper, pawn, Paying Off Debt, paypal, photos, place, plan, Popular, price, Prices, products, Purchase, quality, questions, Quotes, ratings, reach, reading, Research, Reviews, right, risk, safe, sale, sales, save, saver, scams, Sell, seller, sellers, selling, Series, Side, Side Hustle, single, Sites, social, Social Media, space, Style, time, tips, town, tracking, trade-in, trust, tv, TV Series, unique, vacations, Valuation, value, venmo, Video, vintage, Websites, will, work, working, Yard, yard sale

Apache is functioning normally

August 14, 2023 by Brett Tams

Inside: Are you moving into your first apartment? Planning a move can be daunting, but with this checklist, everything will be ready for your bed and bathroom you arrive. From a mattress, pots and towels to cleaning supplies and furniture, this list has it all. This is a huge deal!

Moving into your first apartment is an exciting time!

You’re finally out on your own, and you get to decorate and furnish your space however you want.

But before you can start shopping for all the cute home décor, there’s one very important task that needs to be taken care of first: creating a First Apartment Checklist.

This comprehensive checklist will ensure that you don’t forget any essential items when furnishing your new place. From kitchen supplies to bathroom necessities, we’ve got you covered.

So what are you waiting for? Let’s get started!

My First Apartment Mistakes

Moving into your first apartment indeed marks an exciting milestone in life.

However, it is also a moment of awakening when realizing that filling the apartment with all the necessities is not child’s play. My lesson learned the hard way.

It requires great planning and acute mindfulness of one’s budget. While the thrill of setting up your own place can easily lead to overspending, it’s important to keep the budget in check and be judicious about your purchases.

Here are some aspects to consider:

  • It’s easy to forget that there’s a huge list of big and small things you’ll still need to buy to fully equip your space. However, the keyword here is “need” and not “want”. I should have been better at differentiating between what is absolutely necessary for your immediate living situations and what can be procured later.
  • Define what you can spend right away by considering the moving costs and other related expenses. After setting the budget, the next most important step is to stick with it. You will be tempted to stretch your limit, but remember that financial restraint is key.
  • Moreover, remember that you don’t need to get everything right away, certain things can wait. Spend wisely, and stick to immediate needs. You might be surprised to find out that some items you thought were essential, in fact, can be comfortably lived without.

Your home is meant to give comfort, not financial stress.

The above statement is a lesson that stick with you for a long while. Keeping track of your expenses and making wise decisions can help establish your first apartment without breaking the bank.

Learn is $5000 enough to move out?

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Big Items for Your First Apartment Checklist

You’re finally out of your parents’ house and ready to start your own life. Congrats!

This is an important step when you want to move out at 18.

Moving into a new place is both exciting and daunting. To help you make sure you have everything you need for your new digs, we’ve put together a first apartment checklist of all the big items you’ll need to buy.

This is where to focus your money or look to find free items.

1. Mattress

Living in your first apartment?

Do not underestimate the importance of a good mattress.

It’s the foundation for quality sleep, which is crucial for your health and daily performance. Investing in one is non-negotiable even if budget is a constraint.

Personally, this. is the one item I would say to buy new! Thankfully you can find affordable mattresses now.

2. Bed Frame & Headboard

You may be tempted to skip the bed frame in your first apartment, but it’s a key piece that offers myriad benefits.

In full honesty, I didn’t get a headboard for my mattress until well after I was married. But, it was one small thing that made me happy.

Popular bed frame options vary in price from $60 for a simple metal frame to over $200 for wooden or upholstered models. Make sure to evaluate your needs and budget before buying.

3. Couch

Your first apartment is exciting, and the right couch can really set the tone. It’s not only a seating arrangement but also a place for relaxing, entertaining, and unleashing your personality.

When setting up your first apartment, you might be conflicted about whether to buy a new couch or look for a used one. Here are some factors to consider:

For those living by themselves:

  • A new couch can be a significant investment, but it is worth the cost if you value personal comfort, hygiene, and aesthetics.
  • Utilize discount stores to find quality furniture that is within your budget. A new couch often comes with warranties or protection plans that can give you peace of mind for any potential repairs or damages.
  • Investigate measurements and delivery options thoroughly to ensure your new couch comfortably fits your apartment layout.

If you are planning to live with a roommate:

  • You can consider getting a used couch. This is a great way to cut costs during a time when budgeting and saving money are important.
  • To make sure the couch you’re acquiring is clean and pest-free, buy or get it for free from trusted sources. Friends or family are often the best people to approach when looking for used furniture.
  • Look into garage sales or online platforms like Craigslist for options. However, always inspect the couch thoroughly before purchasing it from these sources.

Whether you choose new or used, ensure that the couch fulfills your needs.

4. End Tables and Lamps

End tables and lamps are essentials you need in your first apartment. They offer functionality along with a touch of class to your space.

There are many reasons why they should be on every first apartment checklist.

  • Versatility: Side tables can be used in various ways, from serving as a coffee holder, providing a place for books and magazines, or showcasing photo frames and indoor plants. It can also function as an extension of your workspace when you need to create an impromptu office setup.
  • Convenience: Having a side table next to your bed or sofa allows you to have important items within easy reach. This may include your phone charger, eyeglasses, or remote controls.
  • Decorative Value: Side tables contribute to the aesthetic appeal of your living space. They come in different styles, shapes, and designs that can complement various types of interior décor themes.

More than likely with lamps, you will notice where you need them the most after you move. So, it is okay to wait and buy them.

5. Dining Room Table

Your first apartment isn’t complete without a dining room table. It’s the multi-tasking hero of your living space, essential for meals, socializing, and possibly working or studying.

Finding the right dining room table for your apartment can be a fun and rewarding experience. However, it may be daunting for some, given the myriad of options available in the market.

Here’s a step-by-step guide to help you find your ideal fit:

  • Determine the Size Needed: The first step in finding the right dining room table is to measure the space it will occupy. Knowing the size helps narrow down the options and ensures a comfortable fit. Consider the number of people you plan on hosting on a regular basis – that should dictate the size of the table you need.
  • Consider the Shape: Dining tables come in various shapes, including square, rectangle, round, and oval. Identifying the shape that suits your space and lifestyle is crucial. Rectangular tables are the most common, but circular ones are great for maintaining an intimate dining experience, while an oval one can be a middle ground between a square and a round table.
  • Decide on Style: Whether you lean more towards a modern, contemporary, or rustic look, there are countless styles of dining tables to choose from. Ensure that the style of the table resonates with the rest of your home decor for a harmonious look.

Remember, choosing the right dining table is a balance of both form and function. Considering these aspects will surely help you find the dining room table that fits your lifestyle and space.

A good friend of mine had great luck finding a dining room table at a Restore resale shop. Something to definitely check out!

6. Kitchenware

Moving into your first apartment often comes with the challenge of equipping your kitchen efficiently.

To help guide you in making thoughtful purchases without breaking the bank, here are some important kitchen items you should consider investing in.

  • Basic Cooking Equipment: A Starter kitchen at the bare minimum requires at least two pots and a frying pan. These should be supplemented with necessary cooking utensils like a ladle, spatula, whisk, etc. You also need a high-quality knife set, at least one cutting board, and measuring cups and spoons to help you prepare and portion your meals accurately.
  • Food Storage & Serving Items: Get microwave-safe food storage containers to store leftovers efficiently. Additionally, invest in a good set of plates, bowls, glasses, and coffee mugs.
  • Countertop Appliances: While these can be a bit costly, consider getting a microwave, an InstantPot, and a coffee maker. These can vastly simplify and speed up your daily meal prep.

These are the basic items for a minimalistic kitchen.

7. Patio Furniture

Patio furniture can be an excellent cost-effective addition to your first apartment. Often overlooked, patio furniture can provide advantages for a first-time tenant:

Getting patio furniture as hand-me-downs or buying used ones can save you lots of expenses.

Plus patio furniture can be easily refurbished or painted to match your apartment’s interior design. You can showcase your creativity and add a personal touch without spending much.

8. Grill

One must-have in your first apartment is undoubtedly a grill. Nothing beats the flavor of a good grill and it’s perfect for friendly gatherings or quiet evenings.

Having a grill can add a sense of fun and adventure to your living situation. It allows for new culinary experiences and outdoor entertaining, especially during warmer months when you can have a delightful barbecue party in your yard or balcony.

Grilling can also act as a social catalyst. Whether it’s a relaxed summer evening cookout with neighbors or a gathering of friends for a sporting event, grilling can bring people together in a fun and casual way.

Thanks to websites like Craigslist, eBay, and Facebook Marketplace, second-hand grills in good condition are often available locally and at a much lower cost than brand-new grills.

9. Storage Items

Stepping into your first apartment, huh? The organization will be your closest ally.

Crisp and neat storage items can help you stay clutter-free and make your space feel like home.

This is something I would wait to buy until you are in your space and know what you need. There are so many storage ideas and organization items.

10. Decor

Making your first apartment feel like home is both exciting and challenging. Decor plays a crucial role, transforming an empty space into a cozy, personal refuge.

You want the decor to reflect your style, but the cost may be more than you can afford.

Enter thrift shopping for some of your favorite items.

You can always splurge on that one item you want!

How do I prepare for my first apartment?

Getting your first apartment can be incredibly thrilling, but let us guide you through a smooth transition.

Before making any purchases, it’s critical to create a budget that takes into account moving costs and other associated expenses.

Additionally, make a checklist of essential items to ensure a smooth move, but remember to prioritize immediate needs as some items may not be necessary initially.

Being prepared and methodical about your approach can help significantly in making your first apartment feel like home. It’s all about spending wisely and sticking to your plan.

First Apartment Checklist for Bedroom

Ready to move into your first apartment and need help setting up your bedroom?

This checklist will ensure you won’t miss any essentials.

  • Bed: Choose a full or queen-size bed to maximize space.
  • Mattress: Select the right firmness for your sleep style. Don’t forget a mattress pad and bedding.
  • Nightstand: You need this to place essentials like a reading lamp and a glass of water.
  • Dresser: An essential piece of furniture for your clothing storage.
  • Lamp: A softer lighting option for your bedroom. Don’t forget light bulbs!
  • Closet Organizers: Invest in baskets or cloth storage cubes for easy organization.
  • Desk and Chair: A small workspace if your room allows. Opt for a stool or folding chair to save money.

Remember every space is unique, tailor this list to your needs and budget.

First Apartment Checklist for Kitchen

As you embark on your solo living adventure, setting up your kitchen shouldn’t be a brain tease.

Here’s a lifesaver list of must-haves:

Remember, your kitchen is not just for cooking, but for hosting toasts and storing eats. Cheers to your new apartment kitchen!

First Apartment Checklist for Living Room

When setting up your first apartment living room, remember to shop for these essential items:

  • A Cool Lamp or Two: Lighting is crucial. Pick unique lamps that add both light and character to your space.
  • Side Tables: Grab a couple; these provide additional surfaces for decorations or mugs of tea.
  • Storage Solutions: Think TV cabinets or bookshelves where you can neatly store your belongings.
  • Extra Seating: More seats for more guests.
  • Window Treatments: Curtains or blinds not only offer privacy but can also tie a room together.
  • Decorative Pillows and Throw Blankets: For aesthetics and comfort.
  • Decor Items: This includes wall art, picture frames, coffee table books, houseplants, candles and vases. Make your space you.

Be smart in your selections, ensuring each item marries functionality with aesthetics. Holistic harmony is key in a living space.

Technology for Your First Apartment

In today’s digital era, modern apartments are nearly incomplete without a range of essential tech items.

These add convenience, entertainment, and a sense of security to your cozy abode.

  • Smart TV: This is essential for entertainment and relaxation. It can be a source of news, sports, movies, and shows that make your apartment a much more enjoyable living space.
  • Roku Stick: If you opt for a basic TV, then these devices enable you to stream content like Netflix, YouTube, and Hulu directly to your TV. This is much needed if you prefer digital streaming over traditional network channels.
  • Computer / Laptop: This is useful for work, learning, entertainment, and communications in the current digital era. It helps you stay connected to the world and perform various tasks easily.
  • Wifi Router: A Wi-Fi router is a must-have in this age as it provides an internet connection for all your devices. It enables you to stay connected to the world, shop from home, stream entertainment, or work remotely.
  • Chargers: Chargers for phones, laptops, and other electronics are essential. They keep your devices powered up and ready for use at any moment.
  • Speakers: They enhance your entertainment experience by providing high-quality sound for music, TV shows, and movies. They can also be useful for work or study, for instance when participating in video conferences or online courses.

Thankfully prices have dropped significantly on TVs since I bought my first one!

First Apartment Checklist for Bathroom

One key area to consider is your bathroom – it’s essential to have all the basis to make your daily routines smooth and simple. Here’s what you’ll need:

Cleaning Your First Apartment

Ready to take that first crucial clean sweep in your very first apartment? Here’s how you’ll nail it!

Start with unpacking your cleaning essentials, preferably even before you start arranging your furniture. This will make it easier to spot dust, stains, and dirty spots that are usually hidden.

Now, let’s dig into your basic apartment clean-up kit:

Honestly, these frugal green items are perfect to keep things clean and on budget.

Things you need for an apartment that you wouldn’t think of

Moving into your first apartment is an exciting milestone, but it’s also full of small details that are easy to overlook.

Some essential items might not make it on your moving checklist, leaving you scrambling on your first day in your new place.

  • Basic Handyman Tools: A Leatherman or small toolkit is essential for assembling furniture and making minor repairs.
  • Hangers: You’ll need more of these than you think for your wardrobe.
  • Extension cords and surge strips: You’ll need these to plug in all your electronics in spaces with limited outlets.
  • Drawer organizers: Helps keep your belongings categorized and easy to find. Especially important in small spaces where efficient storage is key.
  • Flashlight: You never know when a power outage may happen. A flashlight is a crucial tool for safety and navigation in the dark.
  • Batteries: Handy for various gadgets like remote controls, flashlights, and smoke detectors.
  • First aid kit: Accidents can happen anywhere, and having a first aid kit handy can make dealing with minor injuries easier and more efficient.
  • Light bulbs: Essential for maintaining good lighting in your apartment. You don’t want to be left in the dark when a bulb burns out.
  • Matches and/or lighters: Useful not only for candles and gas stoves but also a necessity in case of a power outage.
  • Pen and paper: Although we live in a digital age, pen, and paper are still handy for jotting down quick notes, lists, or reminders.
  • Fire Extinguisher: Better to be safe than sorry!
  • Carbon Monoxide Detector: Extremely important to have in your apartment
  • Duct Tape: It solves every DIY project – while almost any.
  • Security Cameras: It bums me out completely to add this to the list, but in today’s society it is a must-have.

Renter’s insurance is instrumental for various reasons

It provides financial protection in case of unforeseen circumstances like theft, damage due to disasters like fires, or liability if someone gets hurt in your apartment.

Additionally, considering the value of electronics, furniture, clothing, and other personal belongings, investing in renter’s insurance helps safeguard one’s possessions, making it invaluable, especially for first-time renters.

How do I budget for my first apartment?

Managing your expenses while moving into your first apartment is crucial since it’s usually an expensive endeavor with many large and small essentials needed to fully complete your home.

Having a budget not only helps you to control your finances effectively but also assists in prioritizing immediate needs, avoiding unnecessary items, and managing moving costs and related expenses.

Step 1: Make a Budget

Budgeting is, unquestionably, a crucial strategy to manage your personal finances efficiently, particularly while setting up a new apartment.

  1. Begin by detailing your annual net income.
  2. Subsequently, list down all your essential expenditures, such as food, household supplies, phone bills, car payments, credit card bills, clothing, transportation costs, internet charges, healthcare expenses, school loans, and entertainment.
  3. Don’t forget to add a section for “miscellaneous” to cover any unanticipated expenses.
  4. Make sure your expenses are less than your income.

While rent will be your biggest expense, you want to make sure you can truly afford the amount without going broke.

If you observe that your expenses are relatively high, it’s time to analyze your spending patterns and cut down on unnecessary spending.

Step 2: Save Money

Saving money and living frugally requires strategic thinking and discipline.

Honestly, the simplest thing you can do is to set aside 20% of your income each paycheck. That will ensure you are on your way to becoming financially independent.

Simply remember, frugal living doesn’t equate to deprivation, it’s about making informed choices to optimize your resources.

The 100 envelope challenge is extremely popular!

Step 3: Start a Side Hustle

Side hustles can be a flexible and rewarding way to supplement your income, and they’ve become much more popular in recent years.

Manage your time wisely and ensure the side hustle is something you enjoy or are passionate about. It should be a source of additional income without causing stress or burnout.

Here are ways to make money online for beginners.

First Apartment Tips

Embarking on the journey of renting your first apartment can be both exciting and daunting, hence having some essential tips can be quite handy.

1. Make a list of apartment essentials

A list of apartment essentials plays a crucial role, particularly for first-time movers.

The benefits and significance cannot be overstated. Here’s why:

  • Prevents Overspending: Moving into a new apartment is already expensive. There are lease deposits, rent due, utility set-ups, and other hidden expenditures that can easily catch first-time movers off guard. Having a list of apartment essentials can keep your spending in check, ensuring that you only purchase what’s necessary and avoid unnecessary or impulsive purchases.
  • Minimizes Stress: The task of moving can be overwhelming, and missing essential items only adds to the stress. A well-thought-out list can not only help you keep track of what you’ve already acquired but also what you need to purchase or source.
  • Ensures You’re Prepared and Organized: By carefully creating an apartment checklist, you’re ensuring that you have everything you need in your new home, from cleaning supplies and toilet paper to the necessary items for your furry friends.
  • Saves Time: A concise and focused list saves you time by clearly stating what needs to be acquired, allowing you to focus on other important matters related to the move.

Follow this approach, and you’ll have a comfy, well-equipped apartment in no time.

2. Consider your budget

Experts advise rent shouldn’t exceed 25-30% of your income. But, don’t forget to include your other costs like food, bills, loans, etc

Remember, your dream apartment isn’t worth it if it’s a financial nightmare. Think smart, save hard, and enjoy your new home’s comforts without breaking the bank.

Learn the ideal household percentages.

3. Research apartments

Researching apartments requires careful consideration of numerous factors such as the proximity to vital facilities like workplaces, grocery stores, hospitals, and entertainment joints.

Try to physically tour potential residences where possible to examine amenities and gauge the atmosphere of the neighborhood.

Don’t forget to make inquiries and view the apartment personally or through a floor plan, all these will help you make a wise decision.

4. Check apartment listings for features and amenities

When searching for the perfect apartment, consider features and amenities that align with your lifestyle.

If there is a sym space, you could eliminate your monthly gym membership.

Just make sure the cost of the upgraded amenities is worth the price tag.

While checking apartment listings, ensure to evaluate the location, amenities, available space, and physical integrity.

5. Think about the size and layout of the apartment

Understanding the size and layout of your new apartment is crucial before you start styling and furnishing it.

Acquire a floor plan from the apartment management, and if possible, tour the apartment physically to note the positioning of rooms, doorways, hallways, and stairwells. Take measurements of these areas and visualize the kind of furniture and fixtures they can accommodate fittingly, taking into account maneuverability around corners as well.

Moving to your first apartment is exciting, yet demands careful consideration of the size and layout.

6. Look for apartments with good security

When you’re hunting for your next apartment, don’t forget to check out its security features. This is crucial for your peace of mind.

  • Ensure the apartment is in a safe neighborhood, close to amenities like hospitals or public transport.
  • Ask if the apartment complex has features like controlled access gates, security guards, and CCTV surveillance.
  • Check the apartment for proper alarm systems, well-functioning locks on doors and windows, and that fire safety measures are in place.
  • Verify the cell phone reception inside the apartment for any emergency calls.
  • Lastly, always ensure that the parking area is secure and well-lit.

Remember, your apartment isn’t just a place, it’s your sanctuary. It should feel like one, too.

7. Make sure you get a good deal

Before signing a lease, it’s crucial to ensure the rent price is a good deal.

According to the U.S. Census Bureau, the median gross rent from 2015-2019 was approximately $1,097 per month.

8. Talk to the management and make sure you understand the rules

Get to grips with your apartment’s rules by thoroughly reading your lease. Take note of any restrictions, and don’t fear to ask for clarifications. Data indicates that understanding lease terms significantly reduces tenant-landlord conflicts.

It is important you understand your lease as it is a binding contract.

First Apartment Checklist PDF

Moving into your first apartment is exciting but daunting. The First Apartment Checklist PDF helps simplify the process.

Take it at your own pace—don’t rush. This is your journey to your new home. Enjoy!

FAQ

Moving into a new apartment can be quite exciting yet daunting. It’s crucial to carefully inspect the space to ensure it meets your needs and is in optimal condition.

  • Check the overall cleanliness. Despite initial cleaning, apartments often accumulate dust while vacant. Ensure you have cleaning supplies handy to tackle any overlooked dirt or grime.
  • Inspect the utilities. Ensure the availability of necessary technology setups and provisions for all your electronic gadgets. And make sure no wires are hanging from the ceiling.
  • Verify the safety features. Always have a working lock on the door as well as a well lit entrance.
  • Examine appliances. Make sure essential household appliances like washers, dryers, and a dishwasher are provided and in working condition.

The comfort and safety of your new apartment rely hugely on these checks.

When determining how much you should spend on rent, it’s generally suggested that your allotment should be no more than 25-30% of your after-tax income.

For instance, if your yearly income after taxes is $40,000 per year, your rent should be about $833-$1,000 per month.

Keep in mind, this amount should cover:

  • Your rent
  • Utilities (unless they’re included in your rent)
  • Rental insurance

It’s essential to create a realistic budget by considering your other necessary expenses like food, transport, healthcare, and entertainment. If needed, find ways to cut some of these costs to afford your dream apartment.

Now Get Moving with your Apartment Shopping List!

In conclusion, creating and managing a first apartment checklist requires a judicious mix of prudence and patience.

It’s an exciting journey of setting up your first independent space but it’s also a test of properly managing your resources without compromising on your basic needs.

It’s crucial to remember that you do not need to get everything at once, and it’s okay to take your time to gradually fill your apartment.

Remember, be mindful of your budget and prioritize based on your specific needs and preferences.

And don’t forget, you’re not just setting up an apartment, you’re creating your own unique sanctuary.

With patience and careful planning, you’ll soon have an apartment that’s not only functionally equipped but also a reflection of your personal style. The experience, in the end, will prove to be as rewarding as it is educational.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

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