A lot of work goes into making a household run smoothly, and the thread that runs through all the labor is money. It’s money that makes it possible to fix a broken appliance, enroll the kids in summer camp and save up to replace the aging car. The mental load of money can be heavy. It’s made up of those endless invisible tasks we engage in, and the future tasks we lie awake at night thinking about.
“I think it is important to mention the emotional weight that comes with worrying about money. Do we have enough for rent next month? Are we saving enough for college?” Kate Mangino, author of “Equal Partners: Improving Gender Equality at Home,” said in an email. “Those kinds of worries tend to chip away at our emotional health, especially if we think our partner doesn’t share this worry, and we’re alone in carrying that weight.”
When it comes to the mental load of managing financial responsibilities, couples can fall into unproductive patterns that can lead to conflict, resentment and even willful ignorance. If money management feels unbalanced in your relationship, here are some ways to rethink your routine.
Approach money as equals
If one person takes on most or all money tasks, there can be a tendency to fall into a manager/follower dynamic, which can create a power imbalance in your relationship.
Additionally, when one person is in charge and the other does tasks as assigned without understanding the full picture, it can leave that second person in the dark. “The person who is ‘spared’ having to think about this stuff will become less financially literate over time,” Scott Rick, author of “Tightwads and Spendthrifts: Navigating the Money Minefield in Real Relationships,” said in an email. “This will leave them especially vulnerable if the relationship ends, either through divorce or the death of their partner.”
Equality doesn’t mean each person must be 50% responsible for every task, or even that you each take on 50% of tasks, but rather that you acknowledge that you have an equal stake in your shared success.
List and assign money tasks
Schedule a money date or two to make a comprehensive financial to-do list. Who is responsible for which task currently, and how did it become their responsibility? Should any of these tasks be switched to the other person? Is anything not getting done?
Break down each task into a list of subtasks. Let’s say you both want to work with a financial planner, and one of you takes responsibility for finding one. Those subtasks can be:
Get three names of financial planners that meet your shared requirements (such as a fee-only planner, or someone with specific professional credentials).
Contact those planners to inquire whether they’re taking on new clients.
Schedule consultations at a time that’s also convenient for your spouse or partner, and prepare any needed financial documents in advance of those meetings.
“It is important to recognize that managing money is only one of many tasks required to run a household, so these types of conversations should not happen in isolation,” Brian Page, founder of Modern Husbands, a community that shares ideas to manage money and the home as a team, said in an email. “Be considerate of the other household burdens you each tackle.”
Own your tasks from start to finish
As you list your tasks, discuss what “done” looks like for each. Set parameters, a budget and other expectations. Then, you each select tasks to accomplish on your own, with periodic check-ins.
Some tasks are complicated, but take them one step at a time. This is not the time for weaponized incompetence (though, in a partnership, it’s never a good move to feign incompetence to get out of a responsibility). If you’re stuck on a subtask, you can talk about it when you check in with each other.
“Remember — everything money related is a skill, and skills can be learned. There’s no ‘I’m just bad with money’ excuse,” Mangino said. “You just need to prioritize learning that skill, and practice. And practice. And in time, you get better.”
This article was written by NerdWallet and was originally published by The Associated Press.
Clothing is an often overlooked expense when planning a budget, but pretty much everyone has to spend some money on clothes for work, off hours, and social occasions. Whether you are a trial attorney who needs a wardrobe full of quality suits or a landscaper who gets good and muddy, there are ways to buy clothing without spending a fortune.
Here, learn what factors go into retail pricing, where to buy quality clothes, and how to snag some bargains.
Understand What Goes Into Retail Pricing
Fashion brands establish pricing on a cost-per-unit basis. The final retail price is set by factoring in various expenses and business strategies, such as manufacturing and material costs and marketing and branding expenses.
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Manufacturing Costs
The cost of raw materials, labor, packaging, and shipping are obvious factors that determine the price of clothing. But pricing is more nuanced than that. Popular brands or high-end brand names will set higher prices for their products on the assumption that they offer higher quality and better designs. There are also marketing costs to consider.
Brand Reputation
Whether a brand is perceived as a luxury brand, like Versace, or a value brand, like those sold at big box stores, will play a large part in pricing. For example, LuluLemon is a popular, in-demand brand that can price its clothing at the higher end of the scale. Sometimes a popular in-demand brand will have to slash its prices because it no longer holds the prestige it once did.
Supply and Demand
Supply and demand is a huge factor affecting the final price of a product. If a style, product, or brand is in demand, retailers can mark up the prices substantially. The fact that there is not enough to go around means people will likely pay more. (Inflation can be part of this equation, too.)
However, if the supply exceeds demand, retailers will have to drop the price to try to encourage sales so they are not left with inventory they cannot sell.
The Distribution Chain
Another factor in the price of clothing is the distribution chain. Some brands manufacture their own clothing and sell exclusively through their own retail outlets, which can help them keep the price lower. Warby Parker is an example of a retail brand that sells exclusively through their own retail outlets and website.
This business model means fewer add-on costs for the consumer. However, most brands sell through selected independent retailers who add on their own margin. Retailers set the final price by implementing their own desired markups, as well as any subsequent promotions and discounts to ensure they aren’t left with inventory. 💡 Quick Tip: Online tools make tracking your spending a breeze: You can easily set up budgets, then get instant updates on your progress, spot upcoming bills, analyze your spending habits, and more.
Seasonality
Some fashions are in demand for a season only and can be priced high until they lose their popularity. At that point, the price will drop or clothes are sold in a clearance sale as retailers try to get rid of old inventory.
You can save money by buying clothes in the off-season or when they are sold on clearance. There are also other ways to make sure you’re not blowing all of your budget on clothes.
Make Use of Coupons
Coupons are a sales strategy for retailers, but they also benefit the consumer. Consumers can shop online for less using coupons and other sales discounts. The buyer inputs a coupon code when they check out, and that code initiates a discount on the price.
Coupons can be found on many websites such as Saving Says, RetailMeNot, and SlickDeals. Also, many brands offer a discount if you sign up for their email list.
Buy Clothing from Consignment Stores and Thrift Shops
Buying second-hand clothes is one way to find quality clothes while sticking to a budget. Thrift shops and websites that sell pre-owned clothing are growing in popularity, particularly because of consumer interest in sustainable practices and brands that support the environment.
ThredUp is a popular online consignment and thrift store where consumers can buy and sell high-quality secondhand clothes. Other ideas for where to buy good quality clothes for less include ASOS Marketplace, Buffalo Exchange, Depop, Etsy, Poshmark, and Vinted.
Recommended: Guide to Selling Used Items
Buy During the Off-Season
Avoid buying on impulse by purchasing clothing in the off-season when you can find quality items on sale. Retailers want to get rid of stock when products are not in season. For example, few people are looking to buy ski gear in the height of spring or summer. Because there may be more supply than demand for ski gear at that time, retailers will reduce the price and sell the clothing at a discount. 💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.
Look for Clearance Sales
Fashion trends typically last one season, and then new styles and products appear on the market. Retailers may find themselves with too much inventory going into a new season. To sell the inventory and not lose too much money, they will sell items in clearance sales, often with slashed prices.
Also, certain retailers are known for having regular sales cycles, such as the Gap and Old Navy. These can be good resources for where to buy good quality clothes on sale.
Consider Alternative Fabrics and Materials
Why does one t-shirt cost $50 and another $15? It could be because the $50 t-shirt has better quality fabric. Similarly, a pair of boots made of leather will be more expensive than a pair made of synthetic leather. In some cases, you might pay more for an item of clothing made of more durable or breathable materials. Investment pieces may be made of finer materials and crafted with more care to last longer.
However, if an item is serving a short-term fashion need, the quality of materials may be less important.
Also, less pricey synthetic materials may get a bad rap. For example, faux leather may be considered an unsuitable material for a shoe because it is unbreathable and less durable. Polyester is often compared to silk and is lambasted for not being “natural.” However, faux leather footwear may appeal to vegans, and polyester blouses last a lot longer than their silk counterparts. So, don’t discount alternatives.
Recommended: High-Paying Vocational Trade Jobs
See Before You Buy
If you do opt for the less expensive option, you might want to see the item before you buy it. If the item is too cheap and flimsy, it won’t last long. Check the seams and the hems to see if the stitching is acceptable, and check that the zip works. Buying a reasonably priced item of clothing is one thing, but there is such a thing as too cheap.”
Buy Less, Buy Better
Buying fewer clothes will save you money, so you might think about items to save up for, perhaps one or two quality pieces that will last the test of time. You can pair those quality and timeless pieces with other less expensive items. For example, a couple of quality suits for work can be paired with a number of blouses or shirts that come from a mid-range retailer. You can also build a wardrobe based on a basic color, like black or blue, so that all of your clothes can be mixed and matched.
Note: Also remember to note care labels when purchasing clothes. Those that say “Dry clean only” mean they will cost you more over their life in cleaning than those that can go in the washer or be hand-laundered at home.
Recommended Brands
Some mid-price quality fashion brands recommended by experts are COS, Everlane, H&M, Land’s End, LL Bean, and Uniqlo.
The Takeaway
Dressing well does not have to be a wallet-busting affair if you know where to buy quality clothes and which strategies to follow. In some cases, it is better to pay more for an item that will be durable and serve its purpose rather than to buy something cheap and experience frustration when it doesn’t wear well. However, even then, you can find discounts by using coupons, searching for clearance sales, buying second hand, or buying off season.
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FAQ
Where to buy cheap good quality clothes?
Consignment stores and thrift stores are good places to buy good quality clothes for cheap. If you want to buy new, popular mid-range fashion brands are COS, Everlane, H&M, Land’s End, LL Bean, and Uniqlo.
How do I not spend all my money on clothes?
Avoid spending too much money on clothes by setting a budget and sticking to it. Also, don’t buy on impulse and focus on buying a few classic, high-quality pieces to match with less expensive tops and accessories. Build your wardrobe around a color so that you can mix and match and get more wear out of your clothes.
How can I be fashionable on a low budget?
The trick to being fashionable on a low budget is to choose a few quality items that you can pair with inexpensive, trendier items.
Photo credit: iStock/pixelfit
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It’s time to nurture nature with an eco-friendly home life.
In our fast-paced modern world, where technology reigns supreme and convenience is king, it’s easy to lose touch with the natural rhythms of the earth. But as we become increasingly aware of the impact of our actions on the environment, many of us are turning towards eco-friendly living not just for the planet’s sake, but for our own well-being too. Let’s explore how adopting a more sustainable lifestyle can not only benefit the environment but also improve our sleep and energy levels.
Exploring the connection: Sleep, energy, and the eco-friendly home
Sleep is a fundamental aspect of our health and well-being, yet many of us struggle to get enough quality rest each night. Likewise, low energy levels have become a common complaint in our caffeine-fueled society. But what does this have to do with the environment?
The answer lies in the intricate connection between our bodies and the world around us. Our sleep-wake cycle, also known as the circadian rhythm, is regulated by environmental cues such as light and temperature. When we disrupt these natural cues with artificial lights, electronic devices, and erratic schedules, we throw our circadian rhythm out of balance, leading to sleep disturbances and fatigue.
Furthermore, our energy levels are closely tied to our overall health and vitality, which in turn are influenced by the air we breathe, the food we eat, and the products we use. By prioritizing eco-friendly practices, we not only reduce our carbon footprint but also create a healthier environment for ourselves to thrive in.
Sustainable sleep practices
One of the first steps towards enhancing sleep and energy levels is to create a sleep-friendly environment. This means optimizing our surroundings to promote relaxation and restfulness. Here are some eco-friendly home tips to transform your bedroom into a sanctuary for sleep:
Natural materials: James Higgins, founder of Ethical Bedding, shares material matters. “Mindful purchasing and consumption means researching the companies you buy from,” Higgins notes. “Always choose organic (and plastic-free) wherever possible even if this means spending more. Spending a little more on higher quality products that are built to last will pay off in the long run.” Following Higgins’s advice and choosing organic bedding made from materials such as cotton, bamboo, eucalyptus, silk, or linen, which are not only gentle on the environment but also breathable and comfortable for sleep.
Chemical-free products: Avoid harsh chemicals and synthetic fragrances in your bedroom cleaning products and personal care items. Opt for natural alternatives to reduce exposure to harmful toxins that can disrupt sleep.
Mindful lighting: Embrace natural light during the day and minimize artificial light exposure at night, especially blue light from screens, which can interfere with melatonin production and disrupt sleep patterns.
Indoor plants: Incorporate indoor plants into your bedroom decor to improve air quality and create a calming atmosphere. Plants such as lavender, jasmine, and snake plants are known for their sleep-promoting properties.
Energy-efficient appliances: Invest in energy-efficient appliances and electronics to reduce energy consumption and minimize environmental impact. Hsin, with Nanani World, recommends this especially when it comes to lighting. “Switching to LED lighting from conventional incandescent bulbs can reduce energy consumption. LED bulbs last longer and are essential for lowering carbon emissions, which promotes environmental sustainability,” Hsin shares. Specifically, red LED lighting can enhance sleep quality and promote a quicker falling-asleep process, studies have found.
Disconnect from screens: Power down electronic devices at least an hour before bedtime to allow your mind to unwind and prepare for sleep. Sharon Bonner with Bright Ideas Event Agency shares her biggest wind-down tips. “No screen time 90 minutes before sleep and when sleeping, put devices in a Faraday bag to remove potential distraction,” Bonner shares.
Energize your day with sustainable living
Beyond improving sleep quality, adopting an eco-friendly lifestyle can also boost your energy levels and overall well-being. Here are some ways to energize your day while reducing your environmental impact:
Consider a plant-based diet: Incorporate more plant-based foods into your diet, such as fruits, vegetables, whole grains, and legumes. Plant-based diets are not only environmentally sustainable but also rich in nutrients that can increase energy levels and support overall health.Caroline James, with Envirolineblog.com, shares how to further make the most out of your meals. “Sometimes people think that being eco-friendly is more expensive. However, one of my favorite sustainable tips is to plan your meals and write a shopping list at the same time,” James explains. “Something as simple as writing a shopping list helps reduce food waste by assessing what you already have rather than impulse buying. Planning your meals also saves you money when you don’t overbuy and inevitably throw food away.”
Stay hydrated: Drink plenty of water throughout the day to stay hydrated and maintain optimal energy levels. Invest in a reusable water bottle to reduce plastic waste and minimize your carbon footprint.
Re-read labels: A lot of household products are toxic and can negatively affect our health. Rachel Lincoln Sarnoff, former journalist and founder of Mommy Greenest, explains the dangers of certain household items. “When it comes to air freshening and candles (and cleaners, for that matter), avoid artificial fragrances, which can contain hundreds of chemical ingredients including phthalates linked to hormone disruption,” Sarnoff warns. “Unless a label lists the components of what scents the product — such as essential oils—then the word “fragrance” probably means it’s artificial.”Another household item to reconsider is non-stick pans. “[Non-stick pans] are coated with PFOAs that can be harmful to human health,” Sarnoff explains. “If you can’t afford to overhaul your set, start with those that are scratched, which are more likely to leach these toxic chemicals into your food, and replace pans with metal versions that don’t have a non-stick coating. You can have the pans sand-blasted down to a stainless steel base and either continue to use or recycle them.”
Get moving outdoors: Take advantage of the natural world around you by engaging in outdoor activities such as hiking, cycling, or gardening. Spending time in nature can reduce stress, increase energy levels, and foster a deeper connection to the environment.
Reduce, reuse, and recycle: Practice the three R’s of sustainability — reduce, reuse, and recycle — to minimize waste and conserve valuable resources. Valinda, founder of Green and Happy Mom, explains that opting for what you already own is the most eco-friendly choice. “Why buy a stainless steel bottle if your trusty plastic one still serves its purpose? The same principle applies to food containers, bags, and more. When considering a new purchase, explore secondhand options first, ” Valinda concludes. “Not only does this reduce the demand for new resources, but it also helps you save some money.” Emma Reed suggests finding reusable alternatives first and investing in them. “Whether that be reusable wipes for the home, a reusable coffee cup you can take out with you, reusable nappies/diapers for your baby, or beeswax wraps instead of clingfilm, there are many doable and handy options, Reed shares. “On top of being more environmentally friendly, they are also much kinder to your wallet too – it’s a win-win.”
Eco-friendly home: Other ways to cultivate a green oasis
Incorporating eco-friendly practices into every aspect of your home life can have a significant impact on both the environment and your well-being. Here are some overarching green living tips to help you reduce your carbon footprint and create a more sustainable living space:
Simple swaps: Jennifer Young with What’s Good suggests starting with swaps that impact your health first. “For example, your skin is your largest organ and absorbs 70% of what it comes in contact with — your feet absorb 100%! This means the first change is laundry, like clothing, sheets, and towels. Ditch the big plastic bottle laundry detergent and start using concentrated laundry strips or powders,” Young shares. “Both are plastic- and liquid-free which hugely reduces fossil fuel consumption. Plus, there are no synthetic fragrances, dyes, or other harmful chemicals that might interrupt your endocrine system or aggravate your skin. You can further protect your health and save energy by using dryer balls instead of dryer sheets or fabric softener.”Yalu Xu, with Momo Lifestyle, echoes this sentiment that embracing eco-friendly living starts with reevaluating household essentials. “There’s room for sustainability in unexpected areas, like bath mats. Traditional fabric bath mats require weekly washes, using over 2,000 liters of water each year, ” Yalu Xu shares.
“An innovative alternative is a product like Drytomita bath mat. Made from diatomaceous earth, these mats not only absorb and evaporate water quickly but also maintain their cleanliness and functionality like new for years, with simple sandpaper maintenance. It’s a testament to how sustainable choices can seamlessly integrate into, and enhance our daily lives.”Another simple swap, shared by Lamar with BRoadout is opting for reusable alternatives like cotton and choosing sustainable materials like bamboo. “Cotton and bamboo are both sustainable choices and both hold a pivotal role as one of our primary raw materials, featured in a wide array of products, Lamar explains. “Choosing sustainable cotton items for your home, like tents and chairs, or bamboo items like tables, is a thoughtful way to care for your loved ones and the environment.” Lastly, Alyssa Bolaños, founder and CEO of Oh-Eco.com, reminds us not to feel pressure to make all the swaps at once. “My number one tip for living more sustainably is to use what you have, then, get what you need – just the sustainable version,” Bolaños states. “As you run out of your household cleaners or items, swap them for a more sustainable version on your next shopping trip. So instead of a plastic toothbrush, switch to bamboo. Or instead of saran wrap, maybe reusable bowl covers or beeswax wraps. You don’t have to change everything overnight.”
Consider air purifying measures: Jen Stout, co-founder of Healthier Homes, explains the importance of air purifying measures. “Adding a portable air filtration system with UV/ion purification in your living and bedroom areas is well worth the investment,” Stout exclaims. “Something many don’t think about either is paint – look for paints that seal the surface and are zero VOC, to add beauty and color to your space, while keeping the air condition pristine.” Houseplants can also help filter toxins, add oxygen to the air, and contribute to healthy sleep.
Energy efficiency: Ecoclicky support team encourages homeowners to consider renewable energy sources. “Install solar panels to harness solar energy, reducing reliance on non-renewable power sources,” the team shares. “For those unable to install panels, choosing energy providers that offer green energy plans can be a great alternative.” The team also advises upgrading to energy-efficient appliances and LED lighting. “This cuts down on electricity usage along with remembering to unplug devices when not in use,” the Ecoclicky team notes.
By incorporating these overall green living tips into your home, you can create a more eco-friendly environment that benefits both your health and the planet.
Simplifying conserving and preserving the earth
As we reflect on our relationship with the planet, let’s remember that our actions not only shape the world around us but also impact our health and well-being. By embracing eco-friendly living practices, we can enhance our sleep and energy levels while safeguarding the environment for future generations. So, let’s commit to treading lightly on the earth and nurturing a sustainable lifestyle that benefits both ourselves and the planet we call home.
Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.
“I am gravitating towards rustic stone and plaster, specifically using them together as I think the juxtaposition of the two opposing materials side by side is so beautiful. Moving into warmer months for me also means turning away from the darker, heavier colors, specifically with undertones of brown or orange and instead embracing more vibrant colors that reflect spring and summer floral blooms like white, yellow, and green.” —Rita Donahoe, owner and principal designer at Rita Chan Interiors and TALD Member
2
Pops of Color
KEVIN MIYAZAKI
“This spring, I’m seeing people becoming much braver with color and pairing warm, earthy neutrals with pops of bright primary colors like vibrant acid yellow, lovely lime green, bright oranges, and an accent red. Using a pop of color brings such a gorgeous sense of optimism into a space—just like spring. This trend is also timeless, as the primary color is an accent, and the neutrals the accent is paired with will stand the test of time.” —Tash Bradley, color psychologist and director of interior design at Lick Paint
3
More Personal Design
Chris Motallini
“I feel like for a while a good portion of the design world has seemed like it has become a little bit homogenized, but I think more designers and individuals are starting to tell their own authentic stories, utilizing the colors and textures and materials that are truest to their clients’ stories or lives. Perhaps the trend is just more personal design, and I love that. I want to see a variety of ideas, perspectives, and styles versus so much of the same look. It’s so much more inspiring to see creations that are totally unique!” —Rita Donahoe, owner and principal designer at Rita Chan Interiors and TALD Member
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Small-Scale Florals
Pierre Galant
“For spring we are excited to see dramatic color in small doses. Unlikely color combinations are here, and we are excited to infuse reds, pinks, and saturated colors together to create interest and cheer in a space. We are looking at wallpapers and paint to add color and pattern. We are happy to add small-scale florals as well as bold patterns into our homes.” —Shelby Van Daley, founder and principal designer at Daley Home
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Dusty Earth Tones
Nicole Franzen
“Dusty earth tones are continuing to dominate the industry, and I think we will see even more of this as we enter spring. Adding natural elements into home decor is also a trend we are seeing on the rise, as well as incorporating vintage pieces into the mix. People are opting for statement pieces that really create wow moments in a home versus overaccessorizing.” —Meredith Owen, founder and principal at Meredith Owen Interiors
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Oversized Branches
Katie Hodges Design
“I love incorporating organic elements in my decorating. Whether faux or real, plants and stems breathe life into any space. If you can only make one change seasonally, I recommend refreshing your greenery with seasonal varieties. In the spring, I am especially drawn to large-scale flowering branches for a dramatic display.” —Summer Little, owner and principal designer at Prescott Design and TALD Member
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Botanical Prints
KEVIN J. MIYAZAKI
“In terms of pattern, I’ve seen nature-inspired novelty prints gain popularity this season. Overall, there’s a growing emphasis on the use of color and a mix of patterns in design, along with a resurgence of classic menswear-inspired patterns like plaids, houndstooth, and jacquards.” —Lindsie Davis, founder and principal designer at Blueberry Jones Design
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Metal Surfaces
Assembly Line
“There is a more eclectic mix of materials and styles emerging. I think we will see more classic shapes and patterns mixed with industrial-feeling pieces like the Frama Rivet table. I would also say our palette is definitely lighter lately, moving away from the heavier natural colors like dark greens and browns. We have instead been drawn to lighter blues and purples, as well as reflective materials.” —Colin Stief, interior designer and partner at General Assembly
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Mustard Yellow
Stephen Karlisch
“Mustard yellow—we’re partial to India Yellow by Farrow & Ball—is the perfect blend between warm and vibrant. With its brown undertones, this hue can be paired with a warm white for a light mood or a deep brown for a rich contrast.” —Maria Vassiliou, interior architect and owner of Maria Zoe Designs
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Curved Silhouettes
KEVIN J. MIYAZAKI
“One word that keeps coming up time and time again among my clients is cozy. To make a space cozy, relaxed, and welcoming, use any materials with an organic form and no sharp edges. I’m seeing this more and more through circular sofas, a round kitchen table, or headboards with a wave to them. Anything circular will give you that cozy and wholesome feeling. ” —Tash Bradley, color psychologist and director of interior design at Lick Paint
The disco ball, while always beautiful, has undergone a glow-up in the 21st century. No longer relegated to the nightlife scene that birthed it, the mirrorball crept into our weddings, our homes, our earlobes. Then it escaped its spherical form entirely—now martini glasses, cowgirl boots, even mushrooms gleam with silver-tiled radiance. What could they possibly disco next?
Sofie Berarducci has some ideas.
The 24-year-old entrepreneur honed her design savvy building furniture in her parents’ garage during the pandemic. When she returned to college in San Francisco, she had to settle for smaller projects. One night, while watching The Bachelor, she and a handful of friends covered a Styrofoam mushroom from Michaels in shiny, mirrored tiles. “Anytime someone would come over and see it in my room, they’d love it,” Berarducci recalls. “It was such a showstopper.”
After graduating in 2019, Berarducci started crafting more disco mushrooms as Christmas presents. She posted surplus ’shrooms on Facebook Marketplace, where they sold out overnight. “People were messaging me, ‘Where can I buy more?’” Berarducci recalls.
Berarducci capitalized on the disco fever with an Etsy shop and, eventually, a business account on Instagram. She developed new products, pivoting from Styrofoam bases to 3D-printed fruit, liquor bottles, and other fun shapes. Berarducci was still working full-time at a San Diego marketing agency, running her side hustle with help from family. “In the morning, my mom and I would pack orders together, go drop them off at UPS, and go do our nine-to-five,” she says. “Five would hit, and we would turn on a movie and get to tiling.”
Six months in, she decided to launch the brand’s e-commerce site and quit her job to focus on Sofiest Designs. “It was kind of a huge risk,” she adds, “but I haven’t looked back.” After all, the gamble paid off handsomely: In addition to 80,000 Instagram followers, Sofiest Designs boasts partnerships with Urban Outfitters, Free People, Dormify, and Aerie. Berarducci has designed custom disco doodads for celebs such as Lizzo, Kourtney Kardashian, and Shania Twain, and outlets like Architectural Digest, HGTV, Apartment Therapy, and Time have taken notice.
Though her company ships out 15 to 20 orders per day, Berarducci continues to hand-make each product in a San Marcos warehouse with the help of a small team of family and friends. “My business is part e-commerce manufacturer and part art,” she explains. “It’s still really time intensive. I’m touching every single [piece].”
All those hours tiling haven’t stopped her from pushing Sofiest Designs forward. She added additional, less shiny homewares in the form of surreal shelving and pastel lamps and partnered with other woman-owned small businesses to expand the company’s e-commerce offerings. You can shop seven other makers’ products on Berarducci’s site.
Nevertheless, what Berarducci calls “disco therapy” remains core to her company’s ethos. “The disco ball is timeless and gorgeous, but it hadn’t been remodeled in, like, 50 years,” she says. “We wanted to make something more appropriate for Gen Z. Our goal is to make disco items that double as art for your home that you can have forever.”
We tapped Berarducci to share some of her favorite home décor products from small businesses (including her own). Here are 10 fun finds to spruce up your bedroom, bar cart, or coffee table.
10 Unique Room Décor Accents to Spice Up Your Space
Big Night Clock, $110
Big Night
This cheeky clock is “so cute for your kitchen area—I love the pop of red,” Berarducci says. “The martini at the five o’clock hand is the perfect little detail.” The timepiece captures two trends: the fervor for food-centric décor and, of course, Gen Z’s love for disco-inspired details.
Glass Tile Decorative Tray, $65
Subtle Art Studio
“This tray makes for the most stunning accent piece on your vanity or bar cart,” Berarducci says. “It’s an easy way to elevate your space.” San Jose–based Subtle Art Studio slings several products made with retro-inspired glass tiles, including coasters, incense holders, and photo stands.
Olive Candle, $21
Nata Concept Store
“Why not add an olive candle to your home décor?” Berarducci suggests. “Style with your martini glasses and mixers on a bar cart. So cute!” Novelty candles have made a splash as a playful, affordable way to accessorize your house, and this one stands out for its lovely floral scent.
Checkered Ceramic Vase, $120
Alicja Ceramics
Another of Berarducci’s small business partners, Alicja Ceramics crafts and paints each of her funky vases by hand. “These are my go-to for all my flower arrangements,” Berarducci adds. “The checkered print against the florals makes for the coolest contrast.”
Disco Strawberry, $52.50
Sofiest Designs
TikTok’s beloved “unexpected red” theory holds that introducing a touch of crimson will enliven any room. Try out the technique with Berarducci’s sparkly strawberry. “My favorite way to show off this strawberry is to style it on a kitchen shelf or use it as a dining-table centerpiece,” she says.
Custom Icons Pillow, $155
Abbode
New York embroidery shop Abbode is all about customization. This pillow case takes things a step beyond monogramming, allowing customers to select and request symbols that represent their most formative experiences or favorite things. “These make for the perfect customized housewarming gift—for your friend or for yourself,” Berarducci says.
Buns Out, $40
Piecework Puzzles
“Boring puzzles are out,” Bararducci declares. “Challenge your brain and create a masterpiece with Piecework’s ‘Buns Out’ puzzle.” After you’ve put the final piece in place, brush Mod Podge over the lot and frame it as a conversation-starting work of art.
Custom Neon Sign, from $159
Yellowpop
Whatever your catchphrase is, immortalize it in neon lights. Yellowpop offers one-of-a-kind LED signs with 14 different color options. “This is a great way to personalize your space in a unique and timeless way,” Berarducci says. “I created a custom ‘Sofiest Designs’ sign for my warehouse and absolutely love it!”
Wobble Table Lamp, $120
Sofiest Designs
This wiggly lamp from Sofiest Designs comes in four easy-to-style colors: powder pink, muted orange, soft green, and creamsicle orange. You can select a lampshade in one of those same hues to mix and match. “This is my favorite of our lamps,” Berarducci says. “It looks good in any space and any colorway.”
Concrete Shelf, $650
Concrete Cat
This eye-catching shelf is an art piece in itself. “The concrete coloring brings [it] to the next level,” Berarducci adds. A groove at the back of the shelf helps secure thin items like records, photos, and (SDM’s personal favorite) magazines for display.
As Indian summers invite us to stay indoors and enjoy our surroundings, homes become havens of warmth and holiday vibes. With the days getting longer and temperatures rising, it’s the perfect time to infuse your space with summer decor ideas. Whether you’re longing for a tropical getaway or a serene retreat, summer-inspired designs offer limitless opportunities to revitalise your home. Experiment with vibrant colour palettes and incorporate light, airy materials to capture the essence of the season. Whether you opt for subtle changes in one corner or a bold transformation of the entire room, embrace the spirit of summer and create a refreshing sanctuary within your home. (Also read: Summer interior design trends 2024: 7 tips for infusing coastal vibes into your home décor )
7 trendy summer home decor ideas
Interior Designer Punam Kalra Creative Director of I’m the Centre for Applied Arts shared with HT Lifestyle seven summer decor ideas that will make your home feel cool and fresh.
Unlock exclusive access to the story of India’s general elections, only on the HT App. Download Now!
1. Set up an intimate indoor ambience
The brute of the summer sun calls for an escape—you can have that by creating your own bubble with singular, statement furniture pieces that tie the space together. Choose settees over sectional sofas, chandeliers over pendant lights, pedestal tables over side tables and closets over racks, to create a close-knit ball of comfort.
2. Go with nature-inspired mood boards
The home-bound times may take us away from nature—say otherwise by throwing hints of raw nature in the interior elements. Bring a tactile memory with rough cuts of the stones in the wall, veins of the live wood in the tables, grains of the ceramic in the accessories or a fresh whiff of organic dyes in the tapestries that reminisce the outdoor scenes.
3. Give life to the hushed colour palettes
The hushed, lighter tones can easily make the sun-bathed spaces look deserted—make them livelier with energized hues of neutral and pastel colours that keep up with the quietude of the season, without being overwhelming. Bring in a peach upholstered chaise, zest cocktail table, mint green console or an ice blue canvas to refresh the aesthetic with a mood unique to the colour.
4. Include a selection of breathable fabrics
The still summer air needs a space that it can breathe through—try stripping the space off the décor layers and keep things light. Get your hands on linen, cotton, chambray and more that are easy on everything from the upholstery to the drapery. You can keep things simple with solid sheer cotton or talk about exclusivity with dyed and block-printed patterns that are authentic and sustainable at the same time.
5. Get your hands on the handcrafted pieces
Handcrafted styles speak for the things that are both near and afar—something that is a local craft but seen only in a far-off summer retreat. Take a detour and bring them back to your space like a cocooning rattan armchair, basketed jute planters, caged bamboo pendants, looped hemp rugs and more that let you relive your holiday memories whilst cooling your space down with the restorative character of nature-based materials.
6. Make way for the vacay vibes
A regular home can be an ode to the vacation home when the elements make their way into the interior. While you can think big like setting up a cabana in your backyard—try to start small by adding a hammock to your deck or a patio furniture set to your porch. Recreate a nautical style statement with blue-white stripes in upholstery, shell studded embellishments in the tables or weather wood planks in the wall décor, to give something that you can indulge in, all day every day.
7. Don’t forget the fresh greens
An indoor ambience gets fresh both by look and feel, when the greens are a part of it. You can sound exotic with tropical ferns and florals or keep things simple and practical with peace lilies, spider plants, and English ivies, among others. You can also house succulents like aloe vera, jade, cactus and more that stand the heat and come out as aesthetic greens, ideal for low-maintenance contemporary homes.
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:
Explore how to protect yourself from identity fraud, understand its emotional toll and learn fraud recovery steps.
How can you protect yourself from identity theft and fraud?
What steps should you take if you become a victim of financial fraud?
Hosts Sean Pyles and Sara Rathner delve into the unsettling world of identity theft and fraud prevention to help listeners safeguard their finances and wellbeing. They begin with a discussion on the various facets of identity theft, with tips and tricks on identifying fraudulent activity, enhancing personal banking security and dealing with the aftermath of having your identity compromised. Then, they discuss the differences between identity fraud and scams, the importance of good cyber hygiene, and the steps to take immediately if your personal information is breached.
Sean also speaks with John Breyault, Vice President of Public Policy, Telecommunications and Fraud at the National Consumers League, about the current trends in identity theft and the forms of fraud that are on the rise in 2024. They cover topics such as new account fraud, the impact of zero-day vulnerabilities on personal data security and the necessity for consumers to stay vigilant with software updates and report incidents promptly.
They also explore how victims can navigate the process of recovering from fraud, including freezing credit reports, changing passwords, and engaging with financial institutions and law enforcement to document the crime and seek restitution.
Check out this episode on your favorite podcast platform, including:
NerdWallet stories related to this episode:
Episode transcript
This transcript was generated from podcast audio by an AI tool.
Sean Pyles:
So there you are just going along with your life, running errands, finishing work projects, walking the dog, making lunch, paying bills, and then you realize, something is very, very wrong. Someone has gotten into your accounts and stolen your money.
Charlene MacNeil:
August 28th was a normal day. I took my cat to the vet, went and got groceries. That morning, I checked my online banking just to make sure I had enough money to do everything. It just seemed like a normal day and then everything changed that evening when I got that email.
Sean Pyles:
Welcome to NerdWallet’s Smart Money podcast. I’m Sean Pyles.
Sara Rathner:
And I’m Sara Rathner.
Sean Pyles:
We’re back with our Nerdy deep dive into identity theft, fraud, and scams, and their potentially devastating effects on your finances if you become a victim. As we said last episode, and we’ll continue to reiterate over and over, these crimes do not discriminate. Absolutely anyone can find themselves in deep water with their money situation because these financial criminals have so very many tools and options at their disposal.
Sara Rathner:
Yeah. And, Sean, I think we also want to repeat the message that this doesn’t just happen to you because you’re ignorant or careless. It happens because as our guest last week said, “We have to be 100% right all the time.” We have to be watching our accounts and changing our passwords, realizing we’re talking to someone who’s pretending to be from a bank, etc., etc. And the criminal only has to be right once to get what they’re after. So if they catch you in a moment where you’re tired or hangry, they might just do that.
Sean Pyles:
So the last thing that you should feel is embarrassed or ashamed if you do become a victim of ID theft or a scam. Angry and upset, yes, ashamed, no. The more we all talk about it, the more educated we become and the harder we make it for the thieves and scammers.
Sara Rathner:
Yes. Let’s take our power back.
Sean Pyles:
Yes. So last week we talked about identity theft, how it happens, what to be on the lookout for, and how to protect yourself as much as possible. Today we’re going to look at the next step in that process, which is the identity fraud that happens after the theft.
Sara Rathner:
It’s the credit card opened in your name. It’s the tax return that isn’t really yours. It’s the healthcare account that also isn’t yours that gets the thief medical care on your dime. Listener, we’re going to help you understand what it looks like, how to avoid it, and what to do if it happens to you.
Sean Pyles:
All right, well, we want to hear what you think too, listeners. Tell us your stories of identity theft or share how you’re working to fight it or recover from it. Leave us a voicemail or text the Nerd hotline at (901) 730-6373. That’s (901) 730-NERD, or email a voice memo to [email protected].
Sara Rathner:
So, Sean, where do we start today?
Sean Pyles:
Well, we’re going to start today with a real world tale of identity fraud. We’re hearing from Charlene MacNeil, a mom from Alberta, Canada. She’s got a story about what happened when someone was able to get into her account at BMO Bank, a subsidiary of the Bank of Montreal. Then after Charlene, we’re going to talk with an expert in ID fraud, who’s seen it all in his capacity at the National Consumers Union. Charlene MacNeil, welcome to Smart Money.
Charlene MacNeil:
Hello. Thanks for having me.
Sean Pyles:
Charlene, you experienced a form of bank account fraud. When did you first realize that something was wrong?
Charlene MacNeil:
On August 28th, I had just put my kids to bed and I got an email pop up on my cell phone saying that I had a credit limit alert from BMO and it told me that I had $33 left in my account.
Sean Pyles:
And so that was an indication that you didn’t have sufficient funds or maybe your credit was run up. What were you thinking when you first saw that?
Charlene MacNeil:
I panicked when I saw the $33. It just didn’t make sense. So I immediately went onto my online banking and noticed that my line of credit was maxed to the $15,000 mark.
Sean Pyles:
And what steps did you take once you realized that something was very wrong with your account?
Charlene MacNeil:
I immediately called BMO and just told them the email that I got and she told me that she would cancel my card right away and my account and to go to the branch immediately the next day to file a report of what had happened.
Sean Pyles:
So the next day, did you go in and talk with them about that?
Charlene MacNeil:
Yeah, I went in the next morning and I told her what had happened and she had told me that there was a text message that was sent to me like a one-time passcode, and I tried to think back to the day before because I do get text messages or calls from scammers sometimes, but that summer I felt like I had gotten quite a few, but I just kind of always ignored them, so I didn’t really think much of it. And then when she was looking at my account, she asked me if I knew the company Wise, because she noticed that’s where the money had been sent and I Googled Wise right away because I didn’t know what she was talking about.
And when I Googled it, it said international money sending. So she was, “Oh, that’s a red flag. That’s crazy.” She made me feel like we should be able to get the money back, that she would fill out this report and send it off and it should be okay. What had happened was they took my line of credit money, transferred it to my checking account, and they set up a bill payment to the company Wise, and then they sent out the money that way through a bill payment.
Sean Pyles:
So a slightly convoluted way to get the money that you had from your line of credit over to them essentially?
Charlene MacNeil:
Yes, exactly.
Sean Pyles:
And so it seems like things are maybe going, okay, this was a frustrating experience, but you thought you were going to be able to get your money back?
Charlene MacNeil:
Yeah, I went back to work and I felt relieved. “Okay, that’s done. It should be fine.”
Sean Pyles:
But that’s not what ended up happening.
Charlene MacNeil:
No. Two days later, the teller that had helped me, she called me and started the conversation with, “I have some very unfortunate news. They will not refund that money to your line of credit.” And my heart fell because I was just, “What do you mean?”
Sean Pyles:
And this was $15,000 they said they weren’t going to refund?
Charlene MacNeil:
I had a balance on there before. So really they just took whatever I had left in my line of credit and sent it out, so it was like $9,700.
Sean Pyles:
And what reason did they give you for why you wouldn’t be able to get this money back?
Charlene MacNeil:
They had told me that they tried reaching out to Wise, but the money had already been transferred. So whoever the bill was made out to through the company, they had the money and that’s it. They couldn’t get the money back, but she did say, “If you want, we could escalate this and see if there’s something else that they could do.”
Sean Pyles:
Because there have to be some kind of protections. This was an instance of fraud. You didn’t authorize this transfer of money?
Charlene MacNeil:
No, but as this continued on, they kept saying that I had gotten this one time passcode sent to me August 28th at 4:20 p.m., but I don’t recall entering this six digit code that they’re telling me that I entered. But from their records, it shows I entered the code and that it was all good.
Sean Pyles:
It’s also possible that someone could have somehow gained access to your phone number or gotten that code themselves. Correct?
Charlene MacNeil:
That’s what I am trying to explain to them. I just know that I didn’t enter this code.
Sean Pyles:
So did you end up escalating this then?
Charlene MacNeil:
I did. I escalated it three times and then I finally got a final response just saying that it’s really unfortunate, but we can’t get that money back. And they just kept telling me it’s the one-time passcode and that’s the reason why the money was sent out that I pretty much authorized it to be sent out.
Sean Pyles:
I’m really sorry to hear that. Do you know how the people were able to get into your account?
Charlene MacNeil:
I don’t know. I just have a lot of people just giving me different ideas of how maybe it could have happened. I had a conference in Vegas at the beginning of August and it was on the news that Vegas was having issues with scammers.
Sean Pyles:
Was it an issue with people getting on public Wi-Fi and logging into their bank accounts?
Charlene MacNeil:
That or people also told me that maybe somebody walked by my purse and scanned my purse, but people have told me that too, thinking it’s because of the Wi-Fi.
Sean Pyles:
So I’m wondering, Charlene, how has this experience made you feel about the safety of your money? Have you thought about switching banks, anything like that?
Charlene MacNeil:
I’m very nervous because it blows my mind to think that somebody can get onto your online banking and then move money like that without a signature or maybe voice recognition or something. I shut down my line of credit now and I’m kind of waiting to hear what’s going to happen, but I am really considering moving banks. I wish this almost happened on a credit card because I feel like credit card companies have your back more than the bank.
Sean Pyles:
Yeah. Your story brings me back to a theme which is that fraud, scams, anyone can experience these things and it’s not like you followed a typical playbook of seeing a text message come through on your phone or clicking a link in email and entering your login credentials. You don’t know how someone got your information. It just exemplifies that you could be doing everything right and somehow people could still get your information and still get into your bank.
Charlene MacNeil:
Yeah, exactly. August 28th was a normal day. I took my cat to the vet, went and got groceries. That morning, I checked my online banking just to make sure I had enough money to do everything. It just seemed like a normal day and then everything changed that evening when I got that email.
Sean Pyles:
What do you think your next steps will be?
Charlene MacNeil:
I’m not very hopeful, to be honest. It’s something that I just have to accept. And I mean, I’ve done better the last couple months, but in the beginning it was very difficult. I lost lots of sleep, missed some work. It was very stressful. And you feel like you’re the one that did something wrong.
Sean Pyles:
Well, I’m sorry that you experienced this. I’m wondering if there’s anything that you would like listeners to keep in mind as they try to protect themselves and their finances online?
Charlene MacNeil:
Yeah, I mean it’s so important to be checking your banking probably daily just to make sure everything is going as you think. Be very careful, I guess, on public Wi-Fi. I was actually just on a trip with my family to Mexico and so many people use public Wi-Fi. And I did in Vegas just to load my boarding passes.
I did not check my online banking. I know a lot of people when they hear me say that I was on public Wi-Fi in Vegas. I did not check my online banking, but I was on public Wi-Fi and I guess people can be sitting in that room and gain all of your information. So I don’t know. I don’t want people to be paranoid, but I kind of feel paranoid.
Sean Pyles:
It might not be a bad idea in the year 2024 when if you’re on a public Wi-Fi network, someone who’s also on that can get into your device very easily. That’s the truth of where we are right now.
Charlene MacNeil:
Yes, and I heard once they’re in, then they can be in there for a while. If I would’ve checked my online banking a day or two later, they could have seen me enter my codes. Yeah, it’s very invasive.
Sean Pyles:
Well, Charlene, thank you for sharing your story with us today.
Charlene MacNeil:
Well, thank you for hearing me.
Sara Rathner:
Sean, this just makes me so sad and angry that anybody has to deal with this because it’s just not fair. It’s not a fair fight against these really savvy identity thieves.
Sean Pyles:
It’s really not. And what’s so worrisome to me about Charlene’s story is that she still can’t pinpoint exactly how these criminals got into her account. Again, it just shows that this kind of fraud can happen to anyone, but as tempting as it might be to just throw up your hands and yell, “I give up,” that just feeds the beast and doesn’t do us any good.
Sara Rathner:
Well, I’m looking forward to some advice on how to avoid all of this and anything that we could do to keep it from happening to us, to me, to my loved ones, and of course to our listeners.
Sean Pyles:
Well, our next guest will walk us through some of what happens when you’re the victim of identity fraud and give advice on how to avoid it and recover from it if it does happen to you. John Breyault is Vice President of Public Policy Telecommunications and Fraud at the National Consumers League. That’s coming up. Stay with us.
John, thanks so much for joining us on Smart Money.
John Breyault:
Hey, thanks for having me on the show. I really appreciate it.
Sean Pyles:
So last week we spent some time explaining identity theft and the various ways that bad actors can steal our IDs from us. And today, we’re going to explore what they do with all that information once they’ve got it. So I’d like to start by asking you to explain maybe the difference between ID fraud and scams. We’re going to talk about scams in our next episode, but what differentiates the two?
John Breyault:
Both scams and ID theft, we call fraud, right? It’s a crime where it involves typically a scammer trying to acquire information or funds that they can use for their own purposes. So identity fraud is definitely a subset of fraud overall, but it is certainly one of the biggest subsets.
So we know that, for example, the Federal Trade Commission every year puts out their Consumer Sentinel Data Book. It’s a compilation of millions of fraud complaints that they get from agencies and organizations like mine all over the country. And in 2022, which is their most recent data, they received 5.2 million fraud reports and the number one category that they heard about was identity theft. And so clearly this continues to be a major problem that the biggest enforcement agency out there is hearing about. Definitely identity theft is one of the biggest types of fraud, and one I think we continue to see consumers of every age level, every education level, every demographic be victimized by.
Sean Pyles:
And when you think about specific ways that ID fraud and scams can manifest, what makes them distinct?
John Breyault:
I think what makes each scam distinct is often, number one, what is the entry point for the scammer? Is it one where they have to interact with the victim, say by sending them a link that the consumer clicks on and then provides the data to the identity for the scammer that’s then used to commit fraud? Or is this something where the scammers can commit identity fraud really with no interaction with the victim at all?
We know, for example, that due to data breaches, that’s practically limitless information about almost every American out there on criminal forums on the dark web that can be used to basically commit identity theft as a service. With a few hundred dollars in Bitcoin, you too can hire an identity thief to do things like start bogus credit card accounts in your name or try and get healthcare benefits or unemployment insurance. These are all very common types of identity theft that’s out there, and that doesn’t require any of us to do anything.
Sean Pyles:
So you touched on this a little bit, but John, can you give us a sense of what you’re seeing out there right now? What are some of the most prevalent forms of identity fraud in 2024?
John Breyault:
Yeah, I would say some of the fastest growing types of identity theft is new account fraud. It’s not necessarily a new type of identity theft. We’ve seen scammers using information to create new credit card accounts for decades at this point, but certainly it is returning to its previous position as one of the top types of identity fraud. And it’s happening because the resources that identity thieves were devoting to government benefits fraud is going down. As those pandemic relief programs start to wind down, there’s less money for the identity thieves to steal. And so they’ve gone back to some of the tried and true types of identity fraud.
Sean Pyles:
Is there anything that’s relatively new that consumers should know about that maybe they haven’t really heard about?
John Breyault:
What we have seen over the past year has been a staggering increase in the number of data breaches attributable to what are called zero-day vulnerabilities. And if you’ve never heard of a zero-day vulnerability, that’s okay. Basically what it means is it’s a vulnerability that nobody else has identified. Think of it as having a key to a vault that nobody else has, and until the people who own that vault figure out that you have that key, they have no reason to try and solve the problem or change the lock.
Sean Pyles:
So this could be something like a weakness in our phones’ operating systems that allows a bad actor to get into our phones.
John Breyault:
Yes, exactly. It’s operating systems like Windows. It is browsers that can be hacked. It could be Microsoft Office. Really any software program can have a zero-day vulnerability. And so what’s concerning to us is just the increase in breaches that were attributable to zero days. It’s gone up. I believe the number that the ITRC cited was by more than 100% over the past 12 months.
Sean Pyles:
Do we know why this might be? Is it that software developers are maybe pushing out code a bit faster than they should and they aren’t combing through for vulnerabilities? Or is it that hackers are really zeroing in on these vulnerabilities and trying to exploit them?
John Breyault:
Well, I think that’s the $64,000 question, as they say. We have theories on how that is. One of the more worrying ones is that the scammers have learned how to automate their search for zero-day vulnerabilities using artificial intelligence. And if they’re able to search for these zero days at scale, a very low cost, that is scary because I think AI has revolutionized so many other facets of our economy and businesses and government over the past several years.
It definitely has the potential to do the same thing when it comes to fraud. I think many of us who work on fraud and identity theft on a daily basis, we are thinking of the potential of this as the same kind of potential for supercharging fraud and scams that we saw when the internet sort of became a technology that everybody was using. That’s the kind of scale of the threat that’s out there.
Sean Pyles:
And so when people get notifications on their phone saying, “Oh, you have a new software update to patch a security vulnerability,” this might be something that is being addressed. Correct? And it’s important for people to actually update their phones regularly so that they are having the most secure software possible?
John Breyault:
Yes. Cyber hygiene is definitely one of the lowest cost and easiest ways for consumers to reduce their risk of falling victim to identity fraud because once they are detected, the operating systems and browser makers are usually pretty quick to plug the hole. But that is often dependent on consumers paying attention to those little pop-up boxes that say, “Do you want to update your browser? Do you want to update windows?” And actually taking action. Definitely don’t wait to update. Make sure you do that because it really is one of the easiest ways to reduce your risk.
Sean Pyles:
So, John, walk us through some of the ways that listeners can protect themselves from identity fraud. We heard last week about protections from identity theft. So let’s assume that the theft has already happened and now we have to react to prevent the fraud. What are some first steps here?
John Breyault:
Well, number one, I would say act quickly. We know that identity theft is a crime that often relies on consumers doing nothing. If you know that your information has been compromised, take steps to reduce your risk. For many people, that’s going to start with freezing their credit report. All of the major credit reporting bureaus offer consumers the ability to freeze credit.
Number two, I would say try and limit the damage to the extent you can. For example, particularly if your primary email address has been compromised, that can be the entry point for scammers to take over lots of other accounts, your bank accounts, your social media accounts. So definitely change the password on your primary email account right away and turn on two-factor authentication as well to add an additional layer that the scammers have to get through. They’re going to try and use that entry point.
I would do the same for any financial accounts that you may have linked to that email account. In addition, call the banks and let them know what’s going on so that they can place fraud alerts on your accounts. And then finally, make sure and get a police report. Identity theft is a crime in all 50 states, but consumers, I think particularly if you start to see activity related to identity theft, having that report is often documentation that will be needed to get the kind of help from not just law enforcement, but also from banks and other entities that you’ll need.
I think, unfortunately, we know that local police departments aren’t always super excited to create those reports, so you may have to be persistent to do that, but definitely local police departments is the place I would start. And then work your way up to the State Attorney General and ultimately the Federal Trade Commission.
Sean Pyles:
Related to what you were just discussing, let’s go a step further. So let’s say someone took your information and then fraud happened before you could get to it. Who should you really go to for help? Let’s talk about reporting it and starting to deal with the fallout of fraud.
John Breyault:
Yeah. Once fraud has occurred, typically you still have rights. For example, an identity thief created a credit card in your name and started running a bunch of charges. You aren’t liable for that, but you’re going to need to take steps like have that identity theft affidavit and a police report ready to show to creditors who may wonder why you haven’t been paying your credit card bill that you just opened weeks ago. So definitely I would say getting those reports is going to be one key piece of information to have.
Also, call and talk to the entities who the identity thief is using in your name. Let them know who you are, what’s been going on, and see what you can do to address the fraud. Most of us don’t spend all day every day recovering from identity theft, but most of the financial institutions do have people who are devoted to helping you through that journey. But you’ve gotta keep records of that. Grab a notebook, create a little Word document on your computer, and start logging every communication that you have with those entities so that you can create a paper trail because you can’t just depend on them to know where you are in the process and to ensure that in one place they’re going to quickly try and use that information to commit identity theft in other places as well.
Sean Pyles:
Earlier in this episode, I spoke with a woman who experienced a form of bank fraud. A fraudster got access to her line of credit, and her bank didn’t offer much in the way of resolving the issue. She didn’t get her money back. And I’ve heard other similar stories before. What sort of recourse do people in that situation have to try to recoup their losses?
John Breyault:
Generally, if the consumer victim is not the one who is actually hitting send on the money transfer, whether it’s through a payment app or through a wire transfer from your bank, then you have protections under federal law as well as many state laws. So I think it’s important that if in a case like that where it sounds like the scammer got in because they were able to hack this woman’s credentials that she should have rights. Certainly if the bank seems unwilling to work with her, I would say your next stop should be the State Attorney General as well as groups like the Identity Theft Resource Center, which have great resources and help coach victims through recovering from these identity theft schemes.
Sean Pyles:
Yeah. And your advice just there brings up the idea of jurisdiction. The woman that I spoke with was based in Canada, where they have different rules and regulations than we do in the U.S. So I think it’s important for anyone to be familiar with what laws protect them where they’re living, whether it’s in a different country or a specific state.
John Breyault:
Yeah, absolutely. And I would say a great place to start that journey of learning what your rights are and what laws may apply is the FTC has a great website at identitytheft.gov where you can start to go through their checklist and create an identity theft recovery plan.
Sean Pyles:
Well, one final question. I’m asking this of all the experts that we’re talking with for this series, so I’ll ask you too. Have you ever fallen victim to a scam or identity theft or fraud?
John Breyault:
I definitely have. Fortunately for me, it wasn’t sort of life altering, but what got me interested in working on fraud was a trip I took to Jamaica on vacation where I was in a bar, which probably tells you the first thing that I wasn’t thinking very clearly, but one of the locals came up to me and said, “Hey, if you give me $20, I can get you cheaper drinks at the bar.” And I said, “Great.” And so I gave him the $20 and he turned around, bought some beers for him and his friends and just ignored me.
And I wasn’t about to start a fight with a bunch of guys in a bar in Jamaica. So I just said, “Okay, lesson learned.” Don’t always take what people say to you at face value and listen to your gut before you hand over your money. Unfortunately, in this country we have, when it comes to identity theft and being a victim of fraud, we often have this tendency to blame the victim.
And there’s a real stigma attached to being a victim of fraud. And we often use terms like, “You fell for a scam.” Or people say, “I can’t believe I was so stupid.” Or we use terms like, “pig butchering scams,” which suggest that somehow the victim is the one who’s culpable. I think that that is wrong. If I could have one additional message for listeners of this podcast, it’s show a little compassion the next time somebody tells you their fraud story and recognize that these are people who are victims of organized, multinational, very savvy criminals, and help them work through sort of this crime they’ve been a victim of and encourage them to report it.
Sean Pyles:
Well, John, thank you again for talking with us.
John Breyault:
I appreciate it, Sean.
Sean Pyles:
Sara, one thing that I really want listeners to remember is that the cost of experiencing identity fraud can go well beyond the money loss, which of course can be significant. People who are victimized in this way often suffer mental health consequences. Many feel ashamed or like they brought this upon themselves. So like John said, if you’ve experienced a loss like this, get help. Yes, contact the FTC and your local police, but also think about talking with a loved one or a therapist who can help you process your emotions around this.
Sara Rathner:
Yeah, know that you are not alone. You probably know people who have gone through something like this and you could commiserate with each other. The important thing is to receive nonjudgmental help from people who are on your side and will help you wrap your head around everything that’s happened to you, and you can come out the other side stronger and more determined to protect yourself in the future. Okay, Sean, tell us what’s coming up in Episode 3 of this series. I assume there are more horrors on the way.
Sean Pyles:
Unfortunately, yes. Next week we’re going to walk into the lion’s den of the scammiest people on earth. Imposter scams, romance scams, phishing, vishing, all in the name of parting you from your money.
Speaker 5:
That’s what these scammers try to do. They try to rush you into making a decision by telling you something’s urgent or an emergency like the family emergency scam, where they’ll say, “Oh, this is your grandchild and I’m overseas, and I need you to wire money fast because I’m jail or in the hospital.”
Sara Rathner:
Yikes. Well, for now at least, that’s all we have for this episode. Do you have a money question of your own? Turn to the Nerds and call or text us your questions at (901) 730-6373. That’s (901) 730-NERD. You could also email us at [email protected]. Also visit nerdwallet.com/podcast for more info on this episode. And remember to follow, rate and review us wherever you’re getting this podcast.
Sean Pyles:
This episode was produced by Tess Vigeland. I helped with editing, Kevin Berry helped with fact checking, Sara Brink mixed our audio.
Sara Rathner:
And here’s our brief disclaimer. We’re not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.
Sean Pyles:
And with that said, until next time, turn to the Nerds.
Do you want to learn how to make $10 a day? Whether you want to make an extra $10 every day or if you just need an extra $10 fast right now, you have options. Plus, if you are looking to make $10 a day every day, this is about $300 each month or $3,650…
Do you want to learn how to make $10 a day? Whether you want to make an extra $10 every day or if you just need an extra $10 fast right now, you have options.
Plus, if you are looking to make $10 a day every day, this is about $300 each month or $3,650 extra each year!
Surprisingly, you might not need to spend much time to reach this goal – maybe just an hour or less each day. The great thing about this is that many of the ways mentioned below are flexible and can be done on your own schedule.
Whether you work full-time, stay home with kids, or have a packed student schedule, there are lots of ways to make that extra $10. And even though $10 may seem small, if you do it every day for a month, it adds up to a few hundred dollars, which can be a big help for your budget or savings.
Getting some extra money can be easy by using what you already have online. You don’t need a second job to make $10 more each day. There are lots of online ways to do this. Maybe you want more money or just some spending cash without working a lot. Either way, you can find ways to meet your money goals.
Recommended reading: How To Get $20 PayPal Now
Best Ways To Make $10 a Day Fast
Below are the best ways to make $10 fast.
1. Paid online surveys
Earning $10 by taking surveys is a real possibility and a simple way to make money from home. Some survey companies will even give you $5 or $10 just for signing up and becoming a new member.
When I was repaying my student loans, I filled out surveys every week. I did this before work, during lunch, or after work. It was easy because I could do it whenever I had some free time and could do it on my own schedule. I enjoyed doing them because it was super flexible and would earn me some extra money without any physical labor or really even any brain power.
Survey companies pay you for answering surveys, watching videos, and trying out products. Sometimes, they might even send you free products to test. The best part is, signing up with these companies is completely free!
The paid online survey companies I recommend include:
These survey websites typically give out rewards as cash deposited into PayPal accounts or as free gift cards for places like Amazon.
2. Start a blog
Starting a blog is a creative way to make $10 a day.
Starting a blog won’t immediately earn you $10 a day because it takes time to set up. However, with time and effort, bloggers can usually start earning at least $10 a day in the future.
A blog is a website that contains articles, similar to what you’re reading now. You can start a blog on many different niches and topics like personal finance, recipes, travel, pet care, family life, and more. There are many different kinds of blogs available on the internet.
You can earn money from a blog by teaming up with companies for sponsorships, displaying ads, doing affiliate marketing (such as promoting products from Amazon), and selling items like ebooks, candles, T-shirts, and more directly on your blog.
This is how I make money online, earning well over $10 a day. It took me about 6 months to make my first $100 with my blog, so getting started does take time. It took around a year to reach about $5,000 a month and approximately 2 years to reach $10,000 a month.
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
3. High-yield savings accounts
A high-yield bank account is a low-risk way to earn extra money. These accounts offer a higher interest rate than regular savings accounts, so your money grows faster.
While you might not earn $10 every day from a high-yield savings account, it’s quite easy to earn $10 or more over time. You can then stack this with other methods to make $10 every day or $300 a month.
I personally use Marcus by Goldman Sachs because they have a very high interest rate. At the time of this writing, you can get up to 5.40% through a referral link bonus. So, if you have $10,000 saved, you could earn $540 in a year with a high-yield savings account like this. In comparison, with normal banks, your earnings would only be around $50 for the same amount saved.
4. Sell printables on Etsy
One way to make $10 a day from home is by selling printables on Etsy. Printables are digital products that buyers can download and print at home. Think planners, art, or even educational materials.
You have probably used printables in your life, just like most people have. I purchase printables all the time because they make my life much easier. It’s convenient to print things out and have them readily accessible when needed. I recently downloaded a digital printable that is a calendar of new activities to do with my toddler, in fact. (It has a specific new activity to do each day for her age group.)
You can learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
5. Mystery shopping
Mystery shopping can be a fun way to earn money. If you enjoy shopping and going out, this option can help you make $10 a day.
Companies hire mystery shoppers to visit stores and behave like regular customers. You’ll make purchases, ask questions, and then give feedback on your experience.
Secret shoppers evaluate places like restaurants, stores, car dealerships, banks, and more.
My favorite mystery shopping company that I have personally used is BestMark. There are many other good mystery shopping companies as well.
I have mystery shopped a lot over the years. At one point, I was earning around $150 to $200 a month from it, as well as getting free restaurant meals, free retail items, and more. Most of the shops were very easy to complete and I could do them on my own schedule.
6. Get a raise at work
If you’re wanting to increase your daily earnings by $10, asking for a raise at your current job can be a great strategy as you would be simply continuing the job you already have and not having to find a second job.
Start by evaluating how your skills and experience contribute value to the company. Are you taking on additional responsibilities? Have you achieved any big goals or improved anything at work lately?
Remember, timing is everything when it comes to asking for a raise. I recommend setting up a private meeting with your boss to talk about your raise and make sure it’s a calm period in the work cycle, not the middle of a big project or problem.
Then, during your meeting, be direct about your request and explain how your hard work deserves additional compensation and talk about the value you bring to the company.
7. Answer questions in a focus group
Joining a focus group is a great way to earn $10 quickly, or potentially more! Now, you typically won’t be able to make $10 every single day with a focus group because they are more limited in availability, but you can make well over $10 in a single day with them.
A focus group is a small gathering of people who share their opinions about new products or services. Companies use these insights to improve their offerings.
I have participated in a focus group that paid me approximately $400 for just 75 minutes of my time. While this payment was higher than usual, most focus groups typically pay anywhere from around $50 to over $100 per hour. The amount you get paid can vary greatly depending on the length and topic of the study, but there are certainly studies that offer higher compensation than others.
One focus group company that I recommend joining is User Interviews.
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User Interviews pays very well for market research studies and these are some of the highest paying online surveys, with each paying $50 to $100 or more. The average pays over $60.
8. Donate plasma
Donating plasma can earn you between $20 to $50 each time you donate, and you can earn up to $300 a month if you donate regularly.
Plasma is the liquid part of your blood, and it’s in high demand for medical treatments. Your plasma can help individuals with immune deficiencies, bleeding disorders, and other health problems.
The process is similar to donating blood, but it takes a bit longer – usually about an hour. You’ll be comfortably seated during the procedure, and a machine will take your blood, separate the plasma, and return the blood cells to your body.
Typically, you can donate plasma twice a week. Most donation centers require a 48-hour gap between sessions to make sure that your body has time to recover.
Recommended reading: How to Make Money in One Hour: 15 Real Ways
9. Food delivery
If you want to make an extra $10 a day, food delivery is a good choice. It’s a flexible way to earn cash by helping people get their meals delivered right to their doorstep. With apps like Uber Eats, DoorDash, and Postmates, you can sign up and start delivering right away.
When you choose to be a food delivery driver, you work on your schedule. All you need is a reliable way to get around, like a car, bike, or scooter, and a phone. The exact amount you’ll make can depend on the time of day, your location, and how many orders you take.
Typically, you receive more than $5 for each delivery. Plus, customers may tip you for your service as well.
Recommended reading: How To Make $5 Fast
10. Deliver groceries
If you’re looking for a way to make an extra $10 a day, delivering groceries might be the perfect side gig for you. With many people busy or preferring to stay home, you can help by bringing their food shopping right to their doorstep.
Popular apps like Instacart and Shipt are always looking for shoppers. You’ll need to meet some basic requirements, like having a car and a phone. After you’re approved, you can start to accept delivery jobs through the app.
You can choose when you want to work. Maybe it’s after your day job or just on weekends. Each trip to the store and delivery earns you money, and you can see your earnings add up with every order you complete.
I have ordered groceries through Instacart many times when I’m too tired to shop, when I’m on vacation and want groceries delivered straight to the vacation home, and when I’m running low on time at home. It is a great service to have!
11. Transcribe
Transcribing is when you get paid to type out what you hear, and it’s a way to make $10 a day if you have a good ear and can type fast.
Transcription jobs are found online and offer flexible schedules. To start, you’ll need a computer and a solid internet connection.
As a beginner, you can earn around $15 an hour, but with more experience, that number can go up.
Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
12. Freelance on Fiverr
If you’re looking to earn an extra $10 a day, Fiverr is a platform to try out if you want to freelance.
Fiverr lets you sell skills you’re good at, such as graphic design, data entry, social media management, writing blog posts for others, and more. You can sell thousands of different kinds of freelance gigs, and you can make your service as customized as you want.
I have freelanced a ton over the years, and it’s a great way to make money from home without having to pay anything to get started. You just need your skills and time!
13. Walk dogs
If you love dogs and want to learn how to make $10 a day (or more) without paying, then walking dogs is a side hustle you can easily get started with.
Dog walking apps like Rover help you to list your dog walking services. This is an in-demand service where you may be able to earn $15 to $30 an hour walking dogs.
Once you’re signed up on a dog walking platform, you’ll get alerts for dog walking jobs in your area. You can choose the ones that fit your schedule. A typical session lasts about 30 minutes, and you might walk one or more dogs during this time.
If you have the chance to walk multiple dogs at once, then you may be able to earn more money by aligning many dog walking gigs at the same time. Some clients do pay more for their dog to be walked alone if that’s what they want.
I have two close family members who are dog walkers and they both really love it!
14. Invest in stocks for dividends
If you’re looking to make some extra money daily, you can try dividend stocks. These are shares of companies that give you money back, called dividends, just for owning them. This is like getting a “thank you” for investing in the company.
To make $10 a day, you’d need to earn around $300 a month from dividends.
Dividends work by paying shareholders a portion of a company’s earnings per share of stock they own. For example, if you own 10 shares of Company ABC and they pay $5 in cash dividends per share each year, you will receive $50 in dividends annually. Dividends are usually paid on a monthly, quarterly, or yearly basis, with quarterly payments being the most common (four times a year). In this scenario, the $5 in cash dividends per year would likely be distributed as $1.25 per quarter for each share of stock you own.
Recommended reading: What Are Dividends & How Do They Work? A Beginner’s Guide
15. Play games online
If you enjoy playing games, you can actually make money from it! While you might not consistently earn $10 every day, you can likely make $10 occasionally by doing something in your spare time.
Game apps can pay you real money because they generate revenue from ads and in-app purchases. They then share a portion of their earnings with players to keep them engaged and playing their games.
Here is a quick list of popular online game platforms that offer real cash rewards:
Swagbucks
KashKick
InboxDollars
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Swagbucks is a site where you can earn points for answering surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
16. Sell things you no longer need
A simple way to earn $10 quickly (or even more) is by selling items you no longer need around your home.
Everyone has things like old books, clothes, unused gift cards (to many places such as Walmart, Starbucks, Target, Amazon, and more), or electronics that they no longer use. Selling these items can help you make money fast.
You have several options for selling your old stuff, like eBay, Facebook Marketplace, Mercari, Craigslist, or even holding a garage sale at your home.
17. Charge scooters
If you’re looking to make an extra $10 each day, then you may be able to find a side gig as a scooter charger for companies like Lime or Bird. These companies pay individuals to pick up, charge, and redeploy their electric scooters around the city.
You can get started by signing up on the company’s website by submitting your name, email, and location. You’ll need to download an app that will guide you to scooters needing to be charged.
Typically, a single scooter gives you around $3 to $5 once fully charged. It might sound small, but charging just a couple of scooters can quickly add up to your $10 daily goal.
18. Babysit
Babysitting is a popular way to bring in some extra cash. If you enjoy spending time with children and have some free hours, this could be a smart pick for making $10 a day or even more.
On average, you could earn between $15 to $25+ per hour for watching kids. The rate might go up if you’re taking care of more than one child or if the children need special attention.
Jobs can range from a couple of hours after school to full days. This makes babysitting a flexible job that can fit into your schedule.
19. Sell on Amazon
If you’re looking to make some cash each day, you might try selling retail items on Amazon. Amazon’s Fulfillment by Amazon (FBA) program can be a great way. You send your products to Amazon, and they handle shipping and customer service for you.
Here’s a quick start guide:
Sign up – Creating an Amazon seller account is your first step. It’s pretty easy and you can do it online.
Choose your products – Find items you want to sell.
List your items – Describe what you’re selling, add pictures, and set your price. Make sure it looks good so people want to buy it.
Ship to Amazon – Box up your items and send them to an Amazon warehouse.
Sell and earn – Once your products are listed, you can start making sales. Amazon gives you a part of the sale price, and that’s how you make your money.
If you want to learn more about starting an Amazon business, I recommend signing up for this free training that will teach you how to sell products on Amazon and make $100 to $500 per day.
20. Rent out your storage space
If you have unused space in your home like a closet, garage, or even a spare bedroom, you can turn it into money! Yes, by renting out your storage space, you could easily make a payout of around $10 a day or $300 a month without much work.
A site to use to rent out your space is Neighbor.
Frequently Asked Questions
Below are answers to common questions about how to make $10 a day fast.
How can I make $10 a day?
You can make $10 a day by doing small freelance gigs, completing online surveys, or selling items that you no longer need. Another way could be to save your spare change from everyday purchases (such as with the Acorns app).
How to make $10 an hour online?
You might be able to earn $10 an hour online by selling virtual assistant services, content writing, graphic design, or tutoring through platforms made for freelancers. Your hourly rate will depend on the skills you have and the demand for them.
How to make $10 a day for free? Can I make $10 daily without any upfront investment?
Making $10 a day for free is possible through apps that reward you for participating in surveys or completing certain tasks, freelancing services like writing or virtual assisting, and walking dogs. You can learn more about this at 22 Ways To Make Money Online Without Paying Anything.
How can kids make $10 each day?
Kids can make $10 a day by doing chores for neighbors (such as by going around the neighborhood and seeing who needs their lawn cut or leaves raked), setting up a lemonade stand, or pet sitting. It’s great for teaching them about the value of work and earning at a young age.
How To Make $10 a Day – Summary
I hope you enjoyed this article on how to make $10.
There are many ways to make an extra $10, whether you need $10 right now or if you want to make $10 each day.
Making an extra $10 can be helpful, whether you have a full-time job, are a stay-at-home parent and just need to make a little extra money, or whatever else.
If you like sharing your thoughts, you can make money doing online surveys. If you’re good at crafts and art, selling printable designs on Etsy could be a good fit. For those who love pets, walking dogs using apps can bring in extra cash. And if you prefer working at night, you can offer your skills on freelance websites after the day is over to make that extra $10.
These little bits of money each day can add up and give your budget more room to move each month.
Are you looking to learn how to make $10 a day or fast?
While working together in corporate jobs, Wendi Schlarb and Joann Chatfield often found themselves traveling internationally together. Experiences they had shopping in other countries proved to be a springboard for a new career path.
“We were in Germany when it first crystallized for real,” Schlarb said. “We were walking from a meeting back to the hotel when we turned down a street and there were rows of boutiques. Every single one of them was bright and cheery. Nothing was ridiculously expensive.”
For five years the world travelers batted around the idea of opening a boutique stateside, and in September 2022 they opened ishChicks in Plano.
What’s in a name?
When brainstorming business ideas over lunch one day, the duo said they wanted it to be “home decor-ish” and “gift-ish.” They focused on using “ish” in the name, and when they found that the domain ish.com was taken, they named the business ishChicks.
The inspiration
Staying true to their international impetus, they choose merchandise that is colorful, unique and affordable.
“It was really important to us that it not be crazy expensive,” Schlarb said. “We would like you to be able to buy five or six things as opposed to one thing.”
“We hate going into a boutique and picking up an item, and its several hundred dollars. I can’t even buy one thing,” Chatfield said, “More people than not comment that we are really affordable.”
What’s special about it
Providing a creative outlet was also important to the business owners. They pondered ideas such as customizable paper goods, but that idea was soon replaced with printed cork products. They offer placemats, coasters, trivets, acrylic tray inserts and serving accents made of printed cork. They carry a variety of stock designs, and customers can submit designs to create customized items.
“A customer wanted to buy a gift for a friend who had survived breast and colon cancer,” Chatfield said. “She sent me a picture of her tattoo where she had combined the pink ribbon with the blue ribbon and a bird. It was a beautiful tattoo. My designer recreated it and put it on placemats, coasters and trays. It blew her away because that’s not something you can get everywhere.”
Are you looking for the best jobs in nature? If you really enjoy being outside and care about nature, you might want to find a job in the great outdoors. Nature careers let you work outside instead of in an office and let you be part of nature. Whether you’re helping people go fishing, studying…
Are you looking for the best jobs in nature?
If you really enjoy being outside and care about nature, you might want to find a job in the great outdoors.
Nature careers let you work outside instead of in an office and let you be part of nature.
Whether you’re helping people go fishing, studying animals as a wildlife scientist, or coming up with new ways to help the environment as an engineer, jobs in nature can be really satisfying and make a big difference.
Best Jobs in Nature
Below are the best jobs in nature.
Recommended reading: 15 Outdoor Jobs For People Who Love Being Outside
1. Park ranger
Being a park ranger could be your dream come true if you love the outdoors and nature.
A park ranger works in places like national parks. They take care of the forests, mountains, and lakes, and their days are spent outdoors, helping animals and keeping nature beautiful for visitors.
This job is more than just a walk in the park. You may guide people on tours, answer questions, and sometimes help find lost hikers. You need to know a lot about the park and care deeply for nature.
Park ranger pay starts at about $30,000 and can go higher.
2. Conservation scientist
If you love nature and want to protect it, think about being a conservation scientist. They get to work outdoors, study wildlife, and help keep the planet green.
Conservation scientists play a big role in looking after our world, and their job is to study plants, animals, and habitats to understand how they all work together. Then, they come up with plans to protect these natural resources.
3. Nature photographer
One of the most popular jobs that involve nature and travel is a nature photographer.
When I was growing up, becoming an outdoors photographer was actually one of my dreams.
Nature photographers take photos of the outdoors. You could work for magazines (like “National Geographic”), websites, conservation groups, or even stock photo sites (like Getty Images). Some nature photographers sell their photos to make money. You might work in far-off forests, mountains, or even your local park.
Nature photography is a competitive field, so you will need very high-quality unique photos to stand out. You’ll need to understand how to use different lenses and equipment like tripods. And, you’ll want to have lots of practice taking photos of wildlife and natural scenes.
Recommended reading: How To Get Paid To Travel The World (18 Realistic Ideas!)
4. Marine biologist
If you love the ocean and its creatures, being a marine biologist might be just the thing for you.
Marine biologists do important work like studying the tiny life forms in water, such as bacteria and tiny plants. They also investigate how the ocean is changing and what that might mean for our planet’s future.
When you’re in school, it’s important to concentrate on science classes. When you get to college, you’ll have the chance to learn even more about marine life. Plus, being a marine biologist can pay well. On average, you could make about $66,350 per year or more.
5. Fly-fishing guide
If you love the idea of working outside and are passionate about fishing, consider becoming a fly-fishing guide. They spend their days on the river, helping others catch fish and enjoy nature.
A fly-fishing guide’s main job is to teach people how to fly fish and/or bring them to areas where they can catch fish.
Popular fly-fishing areas all over are in constant need of fly-fishing guides. So, you may be able to find guiding jobs in amazing places like Alaska, Montana, and Colorado.
6. Wildlife biologist
Wildlife biologists study animals and how they interact with their environment. They also may track animal numbers to see how many there are, write reports on wildlife findings, and help make sure animals are safe when new buildings or roads are made.
They work outside in forests or parks, or inside at a lab.
7. Environmental engineer
Environmental engineers use science and math to figure out how to tackle pollution and other problems (such as climate change) that hurt nature.
They get to be creative and use tools and technology to come up with solutions that make sure the water we drink is clean, the air we breathe is fresh, and the places where plants and animals live are safe.
8. Landscape architect
Landscape architects plan and create parks, gardens, and outdoor spaces that make towns and cities nicer places to live and visit.
Landscape architects typically need a degree in landscape architecture to start this career.
On average, landscape architects make around $50,000 a year, but they can earn over $100,000 each year.
9. Geologist
Geologists study the Earth and understand its history. This job can take you to many different places, from deep sea explorations to high mountain treks.
A geologist’s work involves looking at rocks, fossils, and other natural materials to learn about the planet’s past and chemistry, as this helps predict future changes and find resources like oil and minerals.
To become a geologist, you usually need a bachelor’s degree in geology or environmental science. Some geologists have a master’s degree, which can lead to more job possibilities and higher pay.
Recommended reading: 46 Fun Jobs That Pay Well
10. Environmental scientist
Environmental scientists spend their days figuring out how to fix environmental problems, such as by testing air and water to make sure it’s clean, or coming up with plans to protect animals and their homes.
11. Hydrologist
Hydrologists research how water moves across and under the earth, and they even predict floods.
To become a hydrologist, you typically need a degree in a field like environmental science to get started. Hydrologists earn around $85,000 a year, according to the U.S. Bureau of Labor Statistics.
12. Wildland firefighter
Wildland firefighters fight fires in places like forests, grasslands, and parks. They save trees, animals, and even people’s homes.
Firefighters have a challenging yet important job. Every day brings something different. Sometimes, they’re using tools to cut down trees and prevent fires from spreading. Other times, they might work with helicopters to reach fires in difficult locations.
There are more and more wildfires that are happening these days, so there is a big need for more firefighters. This is a very tough job, though, where you need to be in good physical health.
13. Forester
Foresters work with trees and help keep forests healthy and beautiful.
Foresters take care of both public and private forests to benefit the economy, recreation, and conservation. They keep track of the kind, amount, and where trees are, and figure out how much they’re worth. They negotiate buying trees and make contracts for getting them.
They also decide how to protect wildlife homes, rivers, water quality, and soil, and follow environmental rules. They make plans for planting new trees, watch over trees to make sure they’re growing well, and decide when it’s best to cut them down.
14. Botanist
Botanists, also known as plant scientists, study different aspects of plants and crops to improve their growth and health. They research breeding, how plants grow, how to make them produce more, and how to manage them.
They also look into the soil to understand its chemical, physical, and biological makeup and how it affects plant growth. Some botanists classify and map soils and check how different farming methods affect soil and crop health.
Botanists can work for a government agency, nature conservancy, nonprofit, and more.
15. Wind turbine technician
Wind turbine technicians work on the giant fans you see in fields or on hills (I’m sure you’ve seen these before; they are massive!). Their job is to make sure they’re in good shape to turn wind into power for people’s homes and businesses.
The number of jobs for wind turbine technicians is expected to increase by 45% from 2022 to 2032, which is a lot faster than the average for all jobs.
16. Solar energy specialist
Solar energy specialists work with solar technology to create electricity from the sun’s power.
Solar energy specialists know a lot about how solar panels work and help plan big solar power projects, choose the right equipment, and figure out the best place to put solar panels.
They may sell solar panel setups to homeowners and businesses, or even try to convert a whole community to solar power.
17. Arborist
Arborists take care of trees to help them live long and healthy lives.
Arborists climb trees, use power tools, and make sure trees are growing well. If a tree is sick, they figure out what’s wrong and how to fix it.
18. Organic farmer
If you love working outside and care about where food comes from, think about becoming an organic farmer. As an organic farmer, you get to grow food without using chemicals.
19. Camp counselor
If you enjoy spending time outdoors and love nature, being a camp counselor might be one of the best summer jobs for you. This is also one of the easier entry-level jobs in nature to start with.
A camp counselor’s days can be filled with fun activities like hiking, swimming, and crafting.
20. Zoologist
If you are looking for careers in nature and animals, then a zoologist may be a top choice.
I know for many kids such as myself, becoming a zoologist and working at the zoo was a nature career that I really wanted.
Zoologists study animals and wildlife to understand where they come from, how they behave, their diseases, genetics, and life functions. Some focus on researching and managing wildlife. They collect and analyze data on living things to see how land and water habitats are affected by human use.
You may get to work at a zoo, in an office, a laboratory, or for government agencies.
21. Field researcher
A field researcher explores and studies the environment.
Their main task is to learn about plants, animals, and the places they live. They take notes, take photos, and sometimes collect samples during their fieldwork. They may also use tools to measure things like temperature and water quality.
22. Surveyor
Surveyors get to work outside and play an important part in construction and mapping projects. They use tools like GPS, lasers, and robots to take precise measurements of the land.
Their main job is to find out where property lines are and to help create maps that builders and architects use to make sure everything fits and is in the right place.
I recently met someone who said they were a surveyor their entire life and had just recently retired. They were talking about all of the places that they had traveled to, and it sounded like a great nature career to be in.
Recommended reading: 40 Best Jobs Where You Work Alone
23. Adventure guide
As a guide, you may lead trips on many different kinds of adventures. You could specialize in hiking trips, camping trips, canyoneering, rock climbing, rafting, and more.
You may work for a local guiding company, or you may open your own guiding company.
This can be a great way to be in nature, have fun, and meet new people, all while making an income.
24. Tour guide
If you love nature and enjoy showing others the beauty of the outdoors, becoming a tour guide could be the perfect job for you. As a tour guide, you get to lead tours and share knowledge about your area with visitors from all around the world.
25. Ski instructor
Ski instructors get paid to spend their days on the slopes by teaching people how to ski. And, you don’t need to be a professional skier to get started with this job either – this is something you can get trained to do with on-the-job training.
26. Outdoor educator
An outdoor educator is someone who shows people how to enjoy the outdoors safely and responsibly.
Outdoor educators can work in different places like forests, parks, and even remote areas. Their office might be a trail in the mountains or a campsite near a beautiful lake.
27. Environmental health officer
An environmental health officer’s main job is to make sure that the places where people work are safe and don’t harm the environment.
They check out different locations, from offices to factories, and look for anything that might be dangerous.
28. Wildlife manager
A wildlife manager takes care of animals and makes sure they have a safe place to live.
Their job includes looking after animal homes called habitats and keeping track of the animals, making sure they are healthy.
They work in lots of different places like parks, forests, or even wildlife preserves.
29. Public health advocate
A public health advocate makes sure everyone has a healthy environment to live in. They work with all sorts of people to help protect the places they love, like parks and rivers, from pollution and other harm.
For example, they may work with community leaders to find the best ways to keep air and water clean, share important health info with the public, and help make laws that protect nature.
These types of jobs can typically be found in nonprofits or in the private sector, such as in environmental protection or in the private conservation sector, solving environmental issues.
Frequently Asked Questions
Below are answers to common questions about how to find the best jobs in nature.
Which job is best for nature lovers?
For nature lovers, being a park ranger tends to be the dream job. They get to spend their days outdoors, maintain the beauty of natural parks, and educate visitors about conserving these precious areas. There are many other amazing jobs in nature as well, such as becoming a nature photographer, a marine biologist, a guide, or a geologist.
What is the highest paying job in nature?
If you are able to run your own business in a nature field, then that may be the best way to make the most money in nature, such as by starting a nature photography business or an outdoors guiding company. If you are looking for the highest paying job in nature, then becoming a scientist may be the best way to make the most money.
What are the best jobs in nature without a degree?
You don’t need to be a scientist to get a nature job. The best jobs in nature without a degree may include nature photographer, outdoors guide, surveyor, and ski instructor.
Are there any careers focusing on animals and nature?
Yes, there are careers that let you work with both animals and nature, such as wildlife rehabilitation specialists who care for injured animals, or environmental educators who teach about wildlife conservation.
What wildlife job pays the most?
Jobs like wildlife biologist and zoologist typically pay the most in the wildlife sector. Salary can depend on experience and location, but the average yearly salary is usually around $60,000 and up.
What jobs involve nature and travel?
If you’re interested in traveling and working in nature, then you may want to become a field biologist or ecotourism guide. These jobs tend to need travel to different natural habitats and allow for hands-on work with the environment. Another option is to become a nature photographer and travel to take photos.
Best Jobs in Nature — Summary
I hope you enjoyed this article about the best jobs in nature.
There are many different jobs you can do in natural places, and there is something for all sorts of interests and abilities. Many of the jobs above have a competitive salary where you actually get to enjoy or believe in the work that you do.
Because I have traveled full-time for around a decade, I have met people who work in all sorts of different nature jobs over the years. From outdoors photography (I made a few friends who were National Geographic photographers, actually!) to surveyors, guides, scientists, and more, there are so many amazing people working in nature.
If you love nature, I hope you are able to find the best job in nature for you and your interests so that you can have the highest job satisfaction.