Back in 2013 my friends and I graduated, got jobs, and strangely, began seeing positive numbers in our bank accounts (student loans notwithstanding).
To protect and organize this novel and exciting resource, the savvy among us downloaded budgeting apps. Others budgeted in Excel, and the rest (including me) spent blindly, dreading our monthly statement like a jury summons.
Point is, seven years ago there were plenty of options for virtually managing your budget. Today, there are perhaps too many. There are hundreds of apps for climbing out of debt, budgeting between spouses, investing a percentage of your savings, even budgeting as a freelancer.
With overwhelming options and data breaches still making headlines, is it time to return to good ol’ budget spreadsheet?
What’s Ahead:
Here’s why I budget using spreadsheets
For six months in 2015, I tried everything I could to start meditating. I knew the practice would be challenging, so I tried to flatten my learning curve with apps, books, and by carefully studying the esoteric ramblings of gurus on YouTube.
Nothing worked. I couldn’t close my eyes for six minutes without snatching up my phone like Bilbo Baggins to resume my consumerist coma. It wasn’t until I visited a Buddhist monastery, and meditated for 45 minutes straight with no apps, music, or guidance, that I finally mastered the practice.
I found budgeting to be the same way. I knew it wouldn’t be fun, so I spent weeks trying dozens of different budgeting apps. They sent me reminders, gold stars, and even performed many essential tasks for me.
I wasn’t learning. I was looking for the path of least resistance.
But critical life skills are sharpened through resistance. Budgeting in a spreadsheet is like meditating without music or lifting free weights instead of using machines. You’ll sweat more, but you’ll grow faster. If sweating isn’t your thing, using apps like Mint to track your finances is a great alternative to budgeting in spreadsheets.
As illustrated in the “Pros..” section below, there are plenty of objective advantages to budgeting in a spreadsheet versus an app. Spreadsheets are extremely reliable, built upon the most simple, stable, and well-supported software in the world. Spreadsheets won’t crash or hamper you with surprise “security updates.” They’re effortless to share, and there’s a free template for virtually every conceivable scenario. Best of all, spreadsheets are infallibly secure. While many apps will store your most compromising information using security that’s failed before, there’s nothing a virtual villain can do with your spreadsheet in plain view.
But it’s the subjective psychological advantages of spreadsheet budgets that I believe give them the edge. The security and stability lower stress. The raw journaling aspect offers moments of deep introspection. Finally, the act of learning a new skill in the most organic way offers rewards and nourishment.
My top three budgeting tips
If you’re reading this article, you’re either looking to start budgeting or considering changing up your current method. In either case, you deserve a high-five because budgeting isn’t easy.
There’s a psychological weight to knowing precisely how much money you do (or don’t) have at all times. But trust me, it’s much less burdensome than the pervasive anxiety of not knowing and making poor financial decisions as a result. Plus, budgeting helps you save more, invest more, and makes you a better partner.
Whether you’re just getting started or looking to refine your process, here are my top three budgeting tips:
Be as honest with your budget as you are with your doctor
What do your doctor, your therapist, and your budget all have in common? They all help you solve big problems, but they can only help if you’re honest with them.
It can be extremely hard to admit to yourself just how much you’re spending on certain things, and in tandem, how much money you’re not really saving. But like a mystery stomach pain, mystery spending only gets worse with time.
So when you begin the budgeting process, be honest with yourself. Record everything. If looking at a certain expense makes you cringe, good! Like a massage therapist finding knots in your back, discovering cringeworthy expenses is pretty much the whole point.
Don’t forget insurance and retirement
Perhaps the most common mistake among budgeters is forgetting to include big, routine expenses that fall outside of a monthly cycle. The two that are most oft-forgotten are retirement and insurance.
Generally speaking, you should consider putting away at least 10% of your monthly income into a retirement account. I highly recommend opening a Roth IRA. Remember to subtract whatever you stash away from your monthly income on your spreadsheet.
Similarly, be sure to factor your insurance premiums into each month’s budget. Even if you pay in full, whatever you pay in total annually for home/renters, medical, and auto should be divided by 12 and included in your monthly expenses.
Think of budgeting as “money journaling”
The process of journaling is excellent for your mental health because it “helps you prioritize problems, fears, and concerns” and “provides an opportunity for positive self-talk,” according to the University of Rochester Medical Center.
Because “budgeting” can have loaded connotations, I think of budgeting as “money journaling.” If I’m nervous about my income-to-spending ratio, I record everything to remove the fear of the unknown. Then, I either discover that I’m well within my spending limit, or that I’ve exceeded it and should go lean until the end of the month.
In either case, I feel much better.
Pros of budgeting in a spreadsheet
Versatile and easy to share
Perhaps you’re worried that budgeting in a spreadsheet will involve the complex drudgery of designing something from scratch. Thankfully, nothing could be further from the truth.
I like Google Sheets because it’s free, cloud-based, and doesn’t require surprise lengthy updates. Plus, the platform has hundreds of professional and user-sourced budget templates for every possible scenario. When you find a template you like, you can click FILE > MAKE A COPY, and ta-da, it’s yours forever.
Plus, Google Sheets makes it easier than most apps to share your spreadsheet with friends, family members, or your financial advisor. And when things get private, you can dynamically update the view, comment, or edit access (or revoke it entirely!).
Download Money Under 30’s official “Simple Budgeting Spreadsheet” for Excel here.
Here to stay
Apps come and go, regardless of popularity. Thousands of full-time Viners didn’t think they’d lose their primary source of income overnight until they did.
While budgeting apps are probably less volatile than social media platforms, it’s safe to say that Google Sheets and Microsoft Excel will be around much longer than many of the medium-sized budgeting apps competing on the Apple or Play Store.
By “investing” in a spreadsheet over an app, you can rest assured that your preferred budgeting tool will always be available (and offline, no less).
Better security
A lot of money management apps prompted me for my bank account information. Although they listed good reasons for the invasion of privacy (real-time budgeting data, auto-deposits into retirement, etc.), it still made me feel uneasy.
If the Equifax breach has taught us anything, it’s that a miserly approach to sharing personal information is probably a good idea. Keeping your budget spreadsheet and your accounts separated may be less convenient, but it’s indisputably safer.
There’s very little a hacker can do with a copy of your budget spreadsheet other than mock you for spending $41 on Ben & Jerry’s Chocolate Therapy.
Now that I’ve covered the advantages of budgeting with a spreadsheet, I should acknowledge some shortcomings.
Cons of budgeting in a spreadsheet
Can lack user-friendliness
Rather than overwhelm you with a sea of empty cells, apps YNAB (You Need a Budget) will ease you into the process by asking a few questions at a time to calculate your income, expenses, and goals.
If you feel especially psychologically intimidated by the budgeting process, or you need extra help cataloging your expenses, the Q&A format of many user-friendly apps may ease some of your troubles.
Short on features
Even the best-designed spreadsheet templates are still static in nature and require your input to work effectively. Apps, by contrast, can be more dynamic, automatically adjusting your data based upon the access you give it to your accounts, bills, etc.
While you can write those off as mere conveniences, it’s hard to ignore how some apps will even go so far as to drive behavior. A spreadsheet admittedly can’t send reminders to your phone to stop spending, nor can it automatically invest for you.
Not mobile-friendly
I’d hesitate to call Sheets or Excel “mobile-friendly” – a more apt descriptor would be “mobile-tolerable.” Before a medium-sized purchase, I can always take a quick glance at my budget on Sheets mobile, but I lack the dexterity or patience to make any actual changes until I find a laptop.
By contrast, virtually all budgeting apps are designed to be mobile-friendly. If you’re someone whose laptop stays sheathed most of the day as you do most admin tasks on your phone, an app may better fit your lifestyle.
Summary
My budgeting spreadsheet is like a Toyota SUV – it may be short on fancy features or connectivity, but it’ll always be there and it will never break down.
Even still, while I strongly prefer to budget using a spreadsheet, there’s really no right answer for everyone. What’s most important is that you’re budgeting somehow, somewhere.
You’ve pulled yourself out of debt, are saving a reasonable amount of income for your retirement, have built an emergency fund, and your daily needs are easily met with your income. Congratulations! Now what?
That’s exactly where I was in 2007. I sold my business and generated a huge windfall — over a million dollars. I paid off all my debt. And then I looked around and said, “Oh, crap.”
I had absolutely no idea what to do with my money. Previously, any extra money I’d earned was immediately stuffed back into my business, and I had been running deficits nearly everywhere. This was the first time in my adult life I’d ever had my head above water, financially speaking.
Over the next three months, I proceeded to blow over $50,000. Oh, don’t get me wrong — it was fun! I bought a new car (that I still drive), some really beautiful artwork from artists I loved (that looks great on my walls), and thousands of dollars in clothes, new furniture, and other indulgences, such as $4,000 custom hand-made stereo speakers (that I’m listening to right now.)
It was fun…for a couple months. Then it got boring.
My Spiral Into Depression
Like many lottery winners, I spiraled into depression. The business I had spent six years of my life building was gone. I felt adrift — like I had no purpose. Despite having been “successful”, no one knew who I was. I had marginalized most of my personal relationships in favor of growing my business and working myself to death. And money wasn’t going to buy me out of the situation.
Slowly, I pulled myself out of my depression. I realized I had the opportunity to make myself into anyone I wanted to be. I could do anything I wanted. I had complete freedom. The thought was both exhilarating and terrifying.
I bought a shelf full of self-help books and read them all, relentlessly seeking to answer the many questions I had. Some of them were philosophical, like “What made me successful when so many others have failed?” Some were practical, like “How do I invest my money?” But all of them led back to one deeper question: “What should I do to be happy?” I soon realized the latter question was incorrect. The better question was, “Who should I be to be happy?”
In December 2007, I started blogging. I exposed a significant amount of my business life and thoughts. I wrote about my successes and my mistakes and failures. I enjoyed writing, doing videos, and interacting with my readers. Helping others figure out their purpose, their businesses, and their websites and blogs was a fantastic experience.
Spending With a Purpose
I made a point of trying to achieve greater states of happiness on a daily basis. Instead of being merely content — or even apathetic — with my current state of being, I realized I could be happier daily. And suddenly it hit me: I understood what I wanted to do with my money. I wanted to outsource pretty much everything I hated doing.
In order to live a simpler, calmer, but more effective life, I had to drop the shackles of wanting to do everything myself. To allow time to meditate, think, write, and create, I had to get rid of the drudgery of daily tasks. I realized my money could serve a fantastic dual purpose: To allow others, whose passion is cooking, cleaning, or assisting in various ways to help me — while I supported them by giving them income to do what they loved.
My life fundamentally changed that day. I started hiring people to do everything I didn’t want to do. The first step was to hire a cleaning service. Then I hired a personal assistant to work out of my house, filing papers, doing laundry, and organizing. I hired virtual assistants to do all the menial tasks I hated doing: bookkeeping; video editing; audio editing; even setting up my Facebook fan page. (Lisa, my VA who set up the Facebook page for me, said happily: “I can’t believe I get paid to do this!” And I realized…we’re both lucky.)
My Daily Routine
I wake up in the morning and my VAs have sent me their updates. I am building a business where I create how-to videos for small business owners and bloggers who want to drive more traffic to their sites and get more customers.
I learned meditation, and currently spend about 40 minutes a day relaxing. I also spend a few hours a day doing the parts of my business I love, from creating videos to writing to programming. When I walk down to the kitchen, it’s clean; Elia, my housekeeper, comes in every week to make sure it’s spotless. She spends 2 hours cleaning our kitchen; total cost to me: $30.
My VA in the Philippines edits my videos and does a fantastic job for $3.33/hour.
Whenever I do an interview with another entrepreneur, I send it to another VA in the Philippines, who, for $9/hour, edits it perfectly, getting rid of all the strange pauses and “um”s. I send the edited interview off to a transcriptionist. For less than $30, I get back an excellent transcription, often 12-16 pages long.
Lisa, my VA here in the U.S., has set up an entire website and integrated it with a shopping cart for my customers to order products and access them once they have ordered. She charges $30/hour (my most expensive staff member) and she’s worth every penny.
I treat my staff members well, and they love the fact that they can work from home and get paid great wages ($3/hour in in the Philippines is equal to about a $65,000/year wage here in the U.S.) They are happy — I can see it in their emails and text chat messages.
My partner Richard and I fight less. There’s no scrapping over who will do a certain task. If no one wants to do it, we work together to figure out how to hire someone.
A Disease Opens My Eyes
I was recently diagnosed with Celiac disease. The management of the disease may sound simple, but it’s not: eliminate wheat, oats, barley and rye from your diet. Most restaurants have very few gluten-free items; I’m lucky if I can order one non-salad item from a typical menu. Some restaurants are impossible to eat at; soy sauce, for instance, has wheat in it. I’ve gotten sick from things as odd as bacon, cake frosting, and ranch dressing.
After a few weeks of eating mostly hot dogs and tuna fish, I grew tired of my limited options. I thought about learning to cook, but it wasn’t something that excited me. So we hired a personal chef to cook our meals — one who understands the challenge of cooking gluten-free. We pay her $10/hour, including travel time to deliver the food to us, and she gets a fun side job.
In a randomly-chosen week before I hired a personal chef, I ate out four times and went to the grocery store twice. I spent a total of $179.91 on restaurants and groceries. Last week, I spent $215.49, including groceries, for eating out and paying my personal chef. My “eating out” expenses dropped from $86.14 to just $32.28 — over 60% less! My total spent was $35.58 more, but to me, that’s a small price to pay for gourmet food of my choice delivered to my door. Another remarkable and unexpected side effect was that I no longer have an urge to go out and spend money at fancy restaurants — I simply ask my chef to make what I want and deliver it to me.
It has been more than two years since I sold my business, and I am happier than I have ever been. I made different choices than most: We rent a house instead of owning (a savings of nearly $4,000/month in our neighborhood — more than our monthly rent payment!); we only have basic cable; we don’t have a landline, credit card debt, car payments, or student loans.
I chose, instead of buying more Stuff, to live a more fulfilled life. For me, even more important than holding onto my money tightly was to learn to let it go — to give it to others in exchange for work well done, and to trust that they could do tasks well. It’s one of the best decisions I’ve ever made.
The easy choices have already been made: the low performers left many moons ago, the travel budgets have been slashed, and struggling branches have been sold to competitors or unceremoniously closed.
For the mortgage industry, more often it’s about making the very hard choices these days – exiting a channel, deciding which star performer to let go, etc. After all, the average retail lender lost nearly $2,000 per loan in the first quarter, and I expect losses to be similar in Q2 and elevated in Q3.
One consequence of mortgage lenders – and LOs, for that matter – being on the ropes is the lack of investment back into their business. I get it! Money’s tight and lenders are plugging holes in the boat, not buying a new engine.
In our quarterly HousingWire LenderPulse survey, we asked retail loan officers, branch managers, C-suite execs, brokers and others how they feel about the market, where they expect rates to be in Q3, and what they’re doing to reduce costs.
Interestingly, 57% of the 166 respondents said they do not plan to invest in tech, services or solutions in the third quarter. The rest of the surveyed pros were evaluating or still planning to purchase lead generation services and keep loan originations systems, customer relationship management (CRM) platforms and services that maximize repeat and referral business for lenders.
While the respondents were split as to whether to invest or hold spending money in tech, when asked about what business cost reductions they plan to make in the future, 39% of surveyed mortgage professionals pointed to cutting their marketing spend/tools. Just under 25% of the respondents said they would cut down on production or origination-focused headcount, followed by operational software and solutions (18%); and originations software (8%). Other responses included cutting down excessive incentives, business trips, open houses and sponsorships.
Mortgage is famously an unforgiving, low-margin business. The lenders and LOs that saved their cash from the pandemic unicorn years and have been disciplined about maintaining their marketing strategy and investing in technology should see outsized returns in the years to come.
After all, as the famous Warren Buffett saying goes, “Only when the tide goes out do you learn who’s been swimming naked.”
James Kleimann Managing Editor, HW Media
In our weeklyDataDigest newsletter, HW Media Managing Editor James Kleimann breaks down the biggest stories in housing through a data lens. Sign up here! Have a subject in mind? Email him at [email protected]
Today is the last day of Financial Literacy Month. To tie everything together, I thought it would be fun to share an interview my real millionaire next door, a man we’ll call John. He used the basic tenets of money management to build wealth and to retire early. Here’s how I described John when I first wrote about him last year:
John is a 71-year-old retired shop teacher who lives in a modest ranch house on half an acre, the same house he’s had for over forty years. He has an old barn filled with salvaged lumber, outdated appliances, and who knows what else. When he’s around, he drives a junkie 25-year-old station wagon. But most of the time, he’s not around.
He spends his winters in New Zealand helping friends on a dairy farm. His summers are spent fishing in Alaska. For a couple of months each year, he’s home, puttering in the yard. Year-round, he rents his house to boarders. He leads a very active retirement.
John’s story was popular with Get Rich Slowly readers, and many of you asked me to interview him. I had to wait for him to return from New Zealand, but earlier this month, the opportunity finally presented itself. John agreed to sit down for a chat.
“I want to take you to lunch at the Chinese place up the street,” I told him.
“What the hell for?” he asked.
“Just to be nice,” I said. “To thank you for taking the time to speak with me.”
“I don’t need that,” he said. “Save your money. Let’s just sit at your dinner table.” And so we did.
In the Beginning
Before John left for New Zealand just after Christmas, I mentioned the idea of an interview. He liked the notion, so on his flight home at the end of March, he made some notes about his financial philosophy. “These are my secrets to financial freedom,” he told me, showing me what he had jotted on the back of an envelope. “This is what I did to get where I am today.”
“I’m ready,” I said. I had a yellow legal pad and a Bic pen. I motioned for him to continue.
“It was interesting to do this,” John said. “It’s really the story of your web site. The real secret is to spend less than you earn. I don’t care how much you earn, you spend less than you earn.”
I laughed. “My readers aren’t going to like that,” I said. “There’s a vocal group that complains that personal finance writers are always preaching ‘spend less than you earn’.”
“It’s not funny,” John said. “Because that’s the secret. They don’t have to like it, they just have to do it.”
“Right,” I said. “There are no magic bullets. There are no special shortcuts. Now, before we get started, can you tell us a little bit about your background?”
“Well, I’m retired,” John said. “I’m 72 years old. I spent twenty years as a shop teacher at a junior high school. I retired at 58. Before that, I did other things. I worked as a carpenter for eight years, and I spent six or seven years working in the juvenile court system.”
“Did you have good financial habits growing up?” I asked.
“Yeah, I really did. My family had a lot of money. We owned a big hardware store. But I saw money wasn’t the key to happiness. There were other families that were happier that had far less. But I’m grateful for having grown up with a solid financial background.”
On Frugality
“What advice do you have for people who want to spend less?” I asked.
“Well, I made this list,” John said, pointing to his old envelope. “I listed all of the things I do. First of all, people should learn what a kilowatt hour is. A kilowatt hour is a thousand watts burned for an hour. All of these appliances left on standby draw power. And don’t leave your lights on.” John gave me a look.
I was sheepish. The lights were on in the bathroom and the kitchen, but we were sitting in the dining room. I got up to turn them off while he continued speaking.
“Learn to figure your own power bill and know why it is what it is. People should learn about electrical use. That’s a drain on your monthly budget. Every penny saved on electricity is a penny you can use for something else.”
“No smoking or alcohol consumption,” he continued. “This has nothing to do with morals and health — okay, maybe health — it’s all about the money. I see people with a cigarette in their mouth, and I think, ‘That’s 25 cents!’” I laughed.
“Don’t have a credit card without autopay. And if you have a credit card, you should benefit from it. I use a credit card for everything I can, but I get things back from that.”
“Like air miles?” I asked.
“Exactly,” John said. “Air miles or a cash rebate. And I have my bank automatically pay the bill every month.”
“Next is food,” he said. “I think people’s eating habits are hell-bent on spending money.”
“Yeah,” I said. “I offered to take you to lunch while we talked.”
“I know, but I don’t need that gesture. I appreciate it, but that’s money that could be spent on other things. Like your new car!“
“You don’t have to spend a lot on food,” John continued. “When I go to the grocery store — which is rarely — I don’t know how anyone could afford to feed a family on that stuff. It seems outrageously expensive. People need to learn to cook from raw ingredients.“
“But where do you get the raw ingredients?” I asked.
“From the farmers market! Or Costco! You don’t need the little individual servings. That’s crazy. You have to be creative. Part of the problem is that you need to buy a freezer. Or look,” he said, waving his hand at Kris’ seedlings. “Over there are your tomato starts. Those cost you what? 50 cents? You’ll get 50 dollars of fruit from those! Plus I buy what I can in bulk.”
“Eating in-season food is important. It’s less expensive and it’s better quality. I also like this eating close to home thing. That’s neat.”
“Kris makes her own granola,” I offered.
“Yeah,” he said. “Exactly. But nobody advertises that. Nobody advertises ‘make your own granola’. Again, it makes sense to own a freezer. The electrical use of a freezer is pretty tiny. That’d be an interesting article for you, J.D. How much electricity does a freezer use versus how much you save by buying in bulk? People don’t understand about electrical use. They have a foggy notion about it.”
“Yeah, I have this device called a Kill-a-Watt,” I said. “It measures electricity use. But I’ve never checked our freezer.”
“Here’s another thing,” John said. “It’s okay to buy used. There’s nobody advertising to be thrifty. There’s nobody advertising to go to Goodwill. That’s not where the profit is. People have to get permission to buy used from somewhere else, because they’re not going to get it from advertising. I buy all sorts of stuff used, but especially cars. I bought my minivan off Craigslist.”
“How did that work?” I asked.
“It worked great,” John said.
“I bought my Mini Cooper used,” I said, “but I didn’t do it as well as I could have. I didn’t take it to a mechanic, for example.”
“I took my car to two mechanics. I wanted to be sure.”
He rattled off a few more tips. “Do your own home repairs. Use the library more — movies and books, and it’s totally free. I think that’s great. Remember: A dollar spent will never produce dividends. Money spent is gone and will never earn you anything.”
On Investing
“That’s a good transition,” I said. “Let’s talk about your approach to investing.”
“I advise people to look for good investments. Take some time to do research. And think outside the box. I just re-opened my account with Reliable Credit. They offer 4%, which keeps up with inflation.” Reliable Credit is a nearby consumer finance company. But it’s not a bank. They take deposits from people like John and they loan them to high-risk clients. They do a lot of used car loans.
“The thing that worries me about Reliable Credit is that they’re not insured. There’s no FDIC insurance,” I said.
“Doesn’t bother me,” John said. “I’m not putting a whole lot in there. It’s just part of my money.”
“What would happen if you lost it all?”
“Not a big deal. I own my home. I have a guaranteed pension. I have no debt. That’s the key. Because I’ve done these other things, I can afford to take some risk. A lot of people can’t.”
“What about your other investments?” I asked.
“If you’re going to do stocks, diversify your stock holdings,” John said. “But for me, no-load mutual funds are the only way to go. To give anybody 3-4% of your money off the top is insane. It used to be I wasn’t aware how much I was paying. Once I figured it out, I thought, ‘Shit, I can make these mistakes myself. Why should I pay anybody to do it for me?’”
“I invested in small-cap funds at Columbia here in Portland. What a great move that was. Those did very well. I tracked their growth in the newspaper. Every week I drew a graph. I plotted the weekly high and the low and where it closed. I had to keep making new pages for my records because it was growing so much. I didn’t mind,” he said, laughing. “Back in the olden days, if I wasn’t getting 20% a year, I looked someplace else. But I can’t hold that up as an example — although it may happen again if things get turned around, once this economy corrects itself.”
“Does this economy worry you?” I asked.
“No. I don’t have to worry about it. I don’t need the income. I’m debt-free. If I was retired and had a mortgage or other debt, or if I had health problems, it would worry me. To my mind, even if you invest and it goes to hell, it’s still better than nothing. The odds of that are pretty slim, though, especially if you diversify.”
“What are your financial goals?” I asked.
“I used to say that when I reached $100,000 I would have arrived. But I got there so fast, I just kept going. Some people plan for retirement, but I didn’t plan. I did go to investment workshops — free workshops — that were put on for the teachers, and I learned from them. You’d be surprised at how few people showed up to them. Nobody cared.”
“When did you start to save?” I asked.
“It must have been 30 or 35 years ago,” John said. “And I’m glad I did. I think there are people who still don’t take advantage of tax-advantaged savings and investments accounts. I did this as soon as I could. I was amazed at how many teachers didn’t take advantage of this. That’s crazy.”
On Choosing a Lifestyle
John looked back down at his list. “Here’s another thing,” he said. “Volunteer to help others. I really think that’s an important personal lifestyle choice. It feels good to me. I used to do scouting. I had a Boy Scout troop for fifteen years.”
“You know, scouting was important for me when I was a boy,” I said. “I think it can be a great experience.”
“Sure it can,” John said. “When I was growing up, a lot of people shared things with me. It feels good to be in a place to be able to share myself now.”
“What kind of things do you share?”
“Well you know I rent the house, but it’s basically at cost. I don’t charge much at all. I host guests on my boat [in Alaska] at no charge. I do my work in New Zealand. Earlier today I picked up some sheet metal. I went and bought some scrap sheet metal and I took it in to Franklin High School. I took it to their metal shop. They can really make use of that.”
“What do you splurge on?” I asked. I’ve seen the things John owns. They’re very functional. He doesn’t have a lot that I would consider “fun”.
“Some people would say that buying a boat is a splurge,” he said. “But I bought that boat right. I bought it for less than market value. I’ve taken care of it. I’ll get a lot more use out of it.”
“I guess I could eliminate a couple thousand dollars airfare getting to New Zealand and back, but I spend very little money when I get there. If I spend a couple hundred dollars in New Zealand, I’d be surprised.”
“How do you keep your costs so low there?”
“I work on farms. I’m part of Willing Workers on Organic Farms. You travel to someplace and do work on their farms for them. They provide room and board. Sometimes they take you to do local stuff. This year I got to see sheepdog trials. That was fun. Anyhow, I do carpentry work. I build stuff and fix things. There are four farms I go to, about three weeks at a time, and I do what needs done.”
He paused for a moment and smiled. “But Alaska is just for fun.”
“How long have you been doing this now?”
“I’ve been doing this for about fifteen years, ever since I was retired. Back when I was 58.”
Reader Questions
We’d come to the end of John’s list, but we weren’t finished yet. “I told some of my readers that I was going to interview you,” I said. “They sent in some questions. Would you be willing to answer them?”
“Sure. Of course.”
“Annie Blue wants to know how money affects your daily happiness.”
“Well,” he said. “I can buy whatever I want. Not need, but want. I just don’t want very much. I always have $100 in my pocket, but I don’t piss it away. I don’t stop for coffee. I seldom eat out.”
“I understand why people buy things,” he said, “I like to buy things, too. There’s a certain satisfaction in looking at the things you’ve accumulated. It’s like an affirmation that you’re doing things right. So you surround yourself with things that make you think you’re doing well — but they’re not necessary. That’s one of the advantages of being older. People just leave you alone to do what you want.”
“Next,” I said, “Suburban Dollar wants to know what advice you’d give to a 30-year-old.”
“Spend less than you earn. This is true whether you’re on welfare or a millionaire. And remember: wealth is created by investing money, not by working longer and harder.”
“Here’s another thing,” he said. “Remember that when you’re raising kids and stuff, that’s really hard. The demands on your money are so great. But you’ve got to be willing to say no. So much money is pissed away to keep kids happy.” (John has grown children. He’s speaking from experience.)
“Here’s a final question from Bill in Detroit,” I said. “He wants to know if outer wealth causes inner wealth. Or is it the other way around? Or are they completely disconnected?”
“There’s a lot of personal power from personal spending,” John said. “If I’m feeling down in the dumps, going out and buying something gives me a lift. But I’m aware of that. I’m aware of how it makes me feel and it helps me to not do it.”
“I think it all has to do with how you feel about yourself,” John said. “I learned long ago that it was okay to spend less than I earned. It wasn’t going to kill me. And I learned that by doing so, I felt really good about myself. I still do. I’m happy. I feel really comfortable.”
I thanked John for answering my questions, and we walked out to look at the vegetable garden. He admired our onions and peas and asparagus. We discussed whether it was time to rototill. At last, we shook hands and said our farewells. I was headed to California in the morning, and he was off to Alaska. He’ll be there until about the time his grapes are ready to harvest in September. I’ll miss him while he’s gone. But if I’m lucky, I just might get to spend a week with him on his boat this summer, catching a glimpse of what early retirement is like.
Welcome to the world of Bohemian-inspired home design, where creativity knows no bounds and a free-spirited aesthetic reigns supreme. Whether you’re seeking to transform your apartment in Rochester, NY or add a touch of wanderlust to your suburban home in Orlando, FL, the Bohemian design can transport you to a world of balance, harmony, and unconventional beauty.
In this Redfin, we’ll explore expert tips and advice from professionals in the field to help you achieve the perfect Boho look for your home. Learn from professionals about self-expression, celebrate diverse cultures, and weave your own narrative into your home decor. Whether you’re a seasoned at heart or a newcomer to this design philosophy, these experts will guide you through the process of creating a space that exudes warmth, peace, and the allure of the unconventional.
1. Boho style is all about balance
In Bohemian design, finding balance is key to creating a harmonious and visually pleasing space. While the style embraces eclecticism and the mixing of various elements, it’s important to strike a balance between contrasting elements to avoid overwhelming the senses.
“One common mistake people often make is forgetting that balance is crucial in Bohemian design,” says Josh Cemelich from ABT Modern. “The style’s essence lies in the artful blend of patterns, colors, and textures while maintaining a sense of harmony. An overabundance of elements without careful curation can result in visual clutter rather than a calming, inviting ambiance.”
2. In Bohemian design, there are no rules
In Bohemian design, the beauty lies in its lack of rules and strict guidelines. It’s a style that encourages individuality, self-expression, and a free-spirited approach to decorating.
“I love the freedom that the Bohemian aesthetic offers. It gives me the liberty to mix different eras, such as Twentieth Century pieces, with organic elements like rattan or various woods. The intentional use of eclectic art and sculpture brings in a layer of personal expression that truly embodies the spirit of boho,” says Josh.
“My advice to those embracing a Bohemian-inspired home is to let your space tell your story. Let each piece of furniture, each artifact, each color, and texture echo your personal journey. Remember, in a Bohemian home, there are no rules—only a boundless canvas for your creativity.”
3. Bohemian design is a tapestry of art, culture, and unconventional beauty
Boho design embraces diverse influences from around the world, blending elements of different cultures, eras, and artistic styles.
“Having a Bohemian-designed home is all about celebrating art, beauty, and bold unconventional choices of colors, textures, and patterns that all unexpectedly harmonize together in a delicious collection from all over the world,” shares Studio Mishou.
“Imagine lush rugs, gallery walls of paintings, light fixtures that resemble interesting giant jewelry pieces, fantastic pillows in all kinds of indulgent fabrics, an abundance of color, and art objects that initiate conversations. Basically, a Boho home is like that eccentric aunt who wears fabulous silk caftans, has traveled the world, and hosts the best cocktail parties with people from all walks of life.”
Courtesy of Studio Mishou
4. Incorporate natural elements into your Bohemian inspired home
Utilizing natural elements is a fundamental aspect of Bohemian design, adding an organic and grounding touch to the overall aesthetic. The Bohemian style embraces the beauty of the natural world, bringing in elements such as plants, natural fibers, and raw materials.
“Use natural, sustainable elements such as wicker, rattan, wood, metal, and bamboo, all of which are beautiful and can be utilized in various ways to create an eclectic and grounding ambiance,” recommends Rooms Refreshed.
“Plants are particularly inspiring for creating a Bohemian atmosphere as they bring the essence of the outdoors inside. With a wide range of indoor plant varieties available, mix and match them to create your own living, colorful artwork.”
Courtesy of Rooms Refreshed
5. Add vibrant, colorful expressions for an artistic flair
Bohemian style celebrates the bold and the unexpected, encouraging the use of vibrant hues and expressive palettes throughout the space.
“As an artist who lives and breathes the boho look, I use vibrant color combinations abundantly to create the desired aesthetic. My favorite colors include orange, pink, yellow, bright purple, lime green, and a profusion of teal,” suggests Teresa Stone, Known as the Gypsy Gardener, from The Bazaar On Apricot & Lime.
“My Bohemian home serves as a direct reflection of my artistic expression. My art predominantly revolves around abstract floral themes, and I extend my creative palette beyond canvas by painting on various furniture pieces sourced from thrift stores or stumbled upon curbside..”
Courtesy of Gypsy Gardener
6. Create a look that reflects your personal style
Boho design encourages you to embrace your individuality, allowing your space to become a canvas for self-expression.
“Bohoemian style is about creating spaces that reflect personal tastes and experiences, rather than adhering to specific design rules or trends,” says Luonto Furniture. “ It’s about creating spaces that are not just visually appealing, but also comfortable, inviting, and full of character.”
Courtesy of Luonto Furniture
7. Create a narrative by weaving travel memories into your decor
Capture the spirit of your adventures by incorporating travel-inspired elements throughout your home. Displaying souvenirs, such as maps, globes, or postcards from your journeys, adds a personal touch and sparks conversations about your experiences.
“Travel is a big focus for me and my family. Sometimes it is to an exotic location like Nepal, and other times it is a Sunday drive to the foothills for a hike. Of course, we have photo albums to record the trips, but I like to keep those memories more present by weaving a lot of our travel finds throughout our house, on bookcases and side tables,” shares Cydney Davis-English, Owner and Design Lead for The English Garden.
“We try to avoid tourist stop posters and shot glasses and instead seek out local artists. Making a purchase from a local artist or shop owner doesn’t have to be expensive, and it helps keep those businesses vibrant. Whether it’s a piece of pottery, a small drawing, or even something functional like a candle or kitchen item, these items can help us relive our trips.”
Courtesy of Cydney Davis-English
8. Add floral accents
Embracing the presence of flowers and botanical elements brings life, color, and a sense of serenity to your space.
“Make a living, organic element one of your decorating layers,” says Cydney, a third-generation flower shop owner. “With Bohemian styling, it’s easy for things to appear busy and cluttered. By focusing your flowers on one bold shot of colo, you can add a vibrant touch without overwhelming the visual space. Additionally, keep the plant elements simple by displaying them in unpatterned terra cotta pots or colorful ceramics.”
9. Break up your Boho-chic space into zones
“Just as if you were planning a boho-chic wedding, break up your space into zones that will serve specific functions while fitting the desired theme,” suggests Walt Shepard from Inside Weddings.
For example, create a cozy reading nook with layers of textured pillows, bold-toned blankets, and candlelight emitted from lantern-inspired votives; adorn the dining area with woven place mats, place settings featuring mismatched china in various colors and prints, and organic centerpieces surrounded by bud vases; or curate a bohemian-inspired lounge with a rich velvet or leather sofa, statement vintage chairs, and cozy, soft accents for an eclectic look.”
Breaking up your Boho-chic space into zones is a practical and stylish way to optimize the functionality and flow of your home. By defining specific areas within your space, you can create distinct zones for different activities, while maintaining the overall bohemian aesthetic.
10. Expand your Bohemian space outdoors
Transforming your outdoor area into a bohemian oasis extends your living space and creates an enchanting retreat.
“I believe in embracing the Bohemian design philosophy not only indoors but also in outdoor spaces,” says says Rafael Montilla from Art Miami Magazine. “By utilizing cozy seating areas, layered textiles, and organic materials, you can create a seamless transition between inside and outside, allowing for a holistic boho experience.”
11. Add texture in every room
“Introduce various textures to add depth and visual interest to your space,” suggests Bohemian Hive. “Combine smooth surfaces like glass or metal with textured materials like velvet, fur, or woven fabrics. Textures can be incorporated through rugs, cushions, curtains, or even wall treatments like textured paint or wallpaper.
Another way to do this is by mixing and matching furniture, old, and new decor. Incorporating unique vintage or thrifted pieces adds character to your eclectic design. Explore flea markets, second hand stores, or online platforms to find one-of-a-kind items that can become conversation starters in your space.”
By incorporating various textures, you can enhance the cozy, eclectic, and inviting nature of Bohemian style.
12. Incorporate live plants whenever possible
“Plants are a great, low-cost way to add energy and color to your space, and they really enhance the modern boho aesthetic,” shares Homescaped. Bohemian design is heavy in texture and can be a mix of furniture pieces from different styles to create an eclectic, collected over time look. Think macrame planters and that vintage coffee table you saw at the flea market last weekend, combined with a modern sofa and colorful, vibrant throw pillows. Avoid making everything too matchy-matchy.”
Plants not only enhance the aesthetic appeal of your home but also contribute to a healthier and more rejuvenating environment.
Courtesy of Homescaped
13. Use Rainbow prisms to add a magical touch to your space
“Rainbow prisms are one of the most inexpensive, renter-friendly, and easy-level DIY ways to enhance your space,” suggests Amelia Dean, Owner of Bohemian Reves. “Using either a suncatcher window sticker or a faceted crystal hung from clear fishing wire, you can place them in a southwest or northeast window or attach them to the ceiling.
Placing these prisms in hallways and small areas can have a significant impact, and using both methods together can create captivating dimensions. For bolder prisms, use round crystals as they keep the energy flowing. For softer prisms, stick to flatter chandelier shapes.”
Courtesy of Bohemian Reves
14. Dry-lay tiles on window sills and room borders
“Renting? Not a problem. I have a small obsession with dry-laying tiles without adhering them to transform window sills and room borders,” says Amelia. “Often, after living with and testing tiles in a space, I’ll either find it validates my decision in the spot I choose or that it could have a more suitable home. Perhaps they are more delicate than you thought or they clash with something else that has changed along the way.
This has saved me countless times. Be sure to keep a flat, solid substrate in mind and only place them in areas that will not be walked on to avoid breaking or damaging the tile. Look for sale tiles or tiles that have less than 1000 square feet left. It’s an amazing way to save money and keep your home diverse and stimulating. Don’t toss your tile samples, they’re often the perfect size for windowsills.”
Courtesy of Bohemian Reves
16. Embrace mismatched furniture
Rather than aiming for perfectly coordinated sets, embrace the beauty of individuality and mix different styles, eras, and finishes.
“The days of matchy-matchy furniture sets are long gone,” shares KB Design. “Especially if trying to achieve the boho look. The more eclectic, the better. If you currently have a more traditional couch set, and trying to upfit on a smaller budget, create the eclectic feel by sourcing a funky coffee table, lamps, playful pillows and low-sitting accent chair. Mirrors, taper candles, books from your travels, and anything else special that speaks personally to you.”
Courtesy of KB Design
17. Invest in Bohemian craftsmanship
Seek out unique, handcrafted pieces that showcase the skill and artistry of local artisans. Look for furniture, textiles, ceramics, and decorative items that are made with traditional techniques and showcase intricate details.
“Enhance your free-spirited Bohemian Lifestyle by showcasing exquisite solid wood creations in your home,” says Bohemian Works. “Add authentic wood accents that embody organic forms, blending functionality and aesthetics seamlessly. From flooring to kitchen doors, create a harmonious living space that celebrates the essence of Bohemian design.”
A townhouse is a multi-story home that’s owned by individuals and is attached to at least one other similar unit. This type of hybrid dwelling combines features of a single-family home with a condominium — having some of the benefits and challenges of each. It’s also sometimes called a townhome or a row home or house.
Differences Between Townhomes and Condos
Differences between a detached home and a townhouse may be clearer than differences between a townhouse and a condo. After all, a home is a freestanding structure while a townhouse, like a condo, is part of a complex.
So, how is a townhouse different from a condo? Well, for one thing, although townhouses would share walls with units that are right next to theirs, there wouldn’t be a dwelling above them or below, as could be the case with a condo.
Typically, people who own a condo are responsible for the interior of their units, while funds that they pay into their homeowners’ association (HOA) are used to maintain shared areas and the outside of the building.
Townhouse owners, though, are usually responsible for maintaining the inside and outside alike, which is more like owning a home.
Because townhouse owners are usually responsible for more maintenance than condo owners, their HOA fees are often smaller and they typically have more freedom on how to renovate their dwellings. Neither of these is universally true, though, so it’s important to check the specifics of the property of interest.
Potential townhouse owners may be asking themselves, “Is buying a townhouse a good investment? What are the pros and cons?”
Let’s take a look at the pros and cons of buying a townhouse, along with insights into getting a mortgage loan.
Pros of Buying a Townhouse
Having control over the inside and outside of a townhouse might make it more appealing than the purchase of a condominium. Townhome owners might appreciate how they have more ability to make decisions about their property. Additional benefits of buying a townhouse include:
More Affordable
A townhouse can be an affordable option in communities with higher home prices, providing a space-savvy housing choice in places where available land can be scarce. Although townhouses may be more expensive than a condominium in a community of choice, they tend to be less expensive than a detached home.
Less Maintenance
Townhouses may be appealing to those that are busy; there’s no big yard that needs time and attention and, if owners travel for work and/or pleasure, security services that may be covered by HOA fees can help to protect the dwelling without any extra steps needed — and the complex may even be gated for added security.
Amenities
There may be great shared spaces and amenities for families to enjoy. These can include gyms and pools, and people who own units each have an ownership interest in these common-area benefits — which means they have a legal right to use them.
You Own the Land
Buyers of a townhouse will actually own the land where the property exists. In contrast, the condo owner would only own their unit, not any of the land. This means that someone owning a townhouse is typically less restricted on how the land could be used, perhaps being allowed to grill dinner outdoors, as just one example.
Pay Less in Property Taxes
Owners of a townhouse usually pay less in property taxes when compared to a stand-alone home. This is typically true because of the smaller lot size.
Townhomes could be ideal for first-time homebuyers who are looking for a more affordable option in densely populated areas. It can also be a good choice for people who aren’t interested in doing much home maintenance.
Cons of Buying a Townhouse
Townhomes may not be ideal for everyone. If you don’t want to share walls with another family, for example, a townhouse may be eliminated.
Other potential downsides of buying a townhouse include:
Limited Lot Size
The limited lot sizes that make it easy to minimize maintenance also means that townhouse owners don’t have the benefits that come with a larger yard, whether that means hosting larger picnics, setting up a swing set for the kids, or creatively landscaping the space.
Less Privacy
Townhouses are less private than single-family homes. While there are no units above or below, as there would be with a condominium, walls are shared and backyards are fairly small. This may be problematic if young children living in the townhouse want to run around and play.
Potentially Many Stairs
Townhouses are built upward to maximize limited land, meaning a townhouse could be three or four stories with only a couple of rooms on each floor. This means stairs. Perhaps lots of stairs. And, if someone in the home has physical challenges or has just had surgery, as just two examples, this can make navigation of the townhouse challenging.
Less Appreciation
In general, the value of a townhouse does not appreciate as quickly as single-family homes. Because of this, it may not make sense to buy a townhouse if the idea is to invest in real estate, rather than simply having a desired place to live.
Recommended: Track the Value of Your Home and Real Estate
After reviewing the pros and cons, is buying a townhouse a good idea? Here’s one more consideration: financing the unit.
Financing a Townhouse
Seeking a mortgage loan for a townhouse is similar to one for a single-family home. That’s because, unlike a condo purchase, the buyer of a townhouse also owns the land beneath the dwelling.
When buying a townhouse, lenders will typically want to see a buyer’s monthly income and outstanding debt to determine their debt-to-income ratio and see how much of a mortgage they can afford.
If the townhouse has HOA fees, those would be included in the mortgage calculations. Just as with a single-family home, it can make sense to get preapproved for a dollar amount before townhouse shopping, save money for a down payment and closing costs, and so forth.
Home Loans at SoFi
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SoFi Mortgages Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Hiring a landscaper can remove a major headache from both ongoing lawn maintenance and one-time makeover projects in your yard. Depending on your budget and schedule (not to mention your definition of a fun weekend), it may be worth outsourcing some, or all, of your yard projects.
At my house, my husband and I typically outsource mowing and weed whacking because it’s a fairly low-cost service compared to the amount of free time we gain back each week. On the other hand, I love gardening, and we regularly tackle projects that involve growing flowers and vegetables without the help of a professional.
If you’re considering getting professional help with your landscaping, think about the types of projects you plan to undertake, plus the time, tools, and skill level involved. Here’s a breakdown of both ongoing and one-time landscape projects, plus how to determine if professional help is worth the cost.
What’s Ahead:
Average landscaping costs: an overview
Service
Average cost
Lawn mowing
$49 to $218
Bedding plants (selection and installation)
$1,366 to $5,641
Disease and insect control
Less than $100
Tree trimming
$460
Landscape design
$1,954 to $6,971
Deck construction
$7,300
Exterior light installation (10 lights)
$2,000 and $2,500
Drip irrigation system (per acre)
$2,150
Sprinkler system
$2,500
Ongoing services
Having consistent professional help can keep your yard clean and healthy. A well-maintained yard is good for wildlife and also motivates you to get outside more often and enjoy it, so it is a big deal!
Lawn maintenance
Ongoing lawn maintenance involves mowing your grass and weed whacking the edges of any hardscaping, like the sidewalk, driveway, and flower beds. The lawn maintenance company provides their own equipment, as well as any products that may be needed. In the fall, you can also add leaf removal services and have the collected leaves taken off-site by your maintenance crew.
Costs vary depending on the size of your lawn and how intricate any weed whacking may be. According to HomeAdvisor, average prices range between $49 and $218. Depending on your weather, you may opt for weekly or bi-weekly service. The rainier it is in your area, the more frequent mowing may be needed.
Pros of hiring a landscaper:
Seasonal expense in many areas. During cooler-weather months you may not need to pay for lawn maintenance.
Get on a schedule. Avoid tall grass by scheduling recurring services from your maintenance crew.
Avoid paying for and maintaining lawn equipment. Upfront and ongoing maintenance costs for lawn mowers and weed whackers can quickly add up, especially compared to the relatively low cost of professional lawn maintenance.
Cons of hiring a landscaper:
Extra cost added to your monthly budget. Go the DIY path if your budget is already tight or you’re focused on important financial goals like debt payoff.
A fixed schedule may not meet your lawn’s needs. Low rain could mean you’re paying for service even without tall grass. On the flip side, your lawn may be ready for a trim after heavy rain, days before your next mowing is scheduled.
Bedding plants and installation
Spending time in a yard filled with beautiful plants can give you countless hours of joy throughout the year. Plus, you’ll create a haven for all types of important insects, including pollinators.
A professional landscaper can pick out plants that thrive in your area and in specific spots in your yard. You can also get advice on plants that work best for your preferred level of care, whether you want to invest the time to water and weed, pay to outsource those tasks, or focus entirely on low-maintenance plants in your landscape.
The cost of getting a landscaper to choose and install plants ranges from $1,366 and $5,641. If your landscaped beds have become extremely overgrown, this expense may be worth the cost, but if you simply need to pop in some annuals to fill up space, this might be a better DIY project.
Pros of hiring a landscaper:
Create year-round interest. A landscaper’s expertise ensures your flower beds aren’t dull three out of the four seasons of the year.
Choose the right plants based on water and sunlight needs. Avoid killing plants and wasting money by picking the right options for your yard’s conditions.
Pick colors and textures that complement each other. A landscaper creates an overall theme, whereas a DIY approach may create competing colors, heights, and textures.
Cons of hiring a landscaper:
Can be costly. The expertise of a landscaper definitely comes at a price.
You have less control over designs and colors. A DIY approach may be better if you have a very specific aesthetic you want to achieve in your yard.
Disease and insect control
Insects are a natural part of the garden’s ecosystem, but some bugs and diseases can actually harm your plants. There are many ways to mitigate these issues on your own, like promoting healthy soil and encouraging beneficial bugs that prey on the damaging types. For instance, ladybugs eat aphids, an insect that can cause major damage to vegetables, fruit, roses, and other flowers.
But if you need help, a professional landscaper can manage these issues as well. Just be sure to ask about the products they use and the ingredients, especially if you grow edibles in your garden. Non-organic ingredients can be harmful to you, your plants, and beneficial insects. A standard pest treatment typically costs under $100, according to Thumbtack.
Pros of hiring a landscaper:
Fast and easy service. Outsource the work rather than trying to figure out what products and treatment you need.
The expertise of specific disease and pest issues. Make sure you’re treating the right problem, so you don’t waste money on DIY “solutions” that just don’t work.
Cons of hiring a landscaper:
May use harmful ingredients. Ask what products the landscaper uses and check to see if the ingredients align with your needs, especially if you grow an organic garden or have outdoor pets.
Less control over products and processes used. You need to trust the professional you hire.
Tree services
It’s important to regularly care for any trees near your house since they can cause damage to your home as they grow larger. The biggest issues are trees extending over your roofline and dead trees eventually falling. Regular tree maintenance includes pruning your trees to keep them disease-free and trimming away dead branches. Your trees will stay healthy, and you don’t have to worry about branches falling and hurting someone or something on your property.
You can certainly buy the tools needed to care for your trees and take a DIY route, but you also need to learn about how pruning affects each tree and what time of year is best for curbing tree growth. Hiring a landscaper to do the job could very well keep your trees in better shape, not to mention help you avoid the risk of injuring yourself. Just be sure your tree service landscaper is licensed and insured in case they sustain an injury while on the job.
The cost of having tree work done is dependent on how many trees are on your property, their size, and whether or not they need to be felled.
Pros of hiring a landscaper:
Trees safely pruned. Landscapers have the knowledge and experience to keep people safe.
Avoid damage to surrounding property. Falling trees can cause damage to nearby houses, cars, or fences. A professional knows how to cut strategically so the tree lands where it should.
Pick the best season for pruning. Pruning in some seasons spurs new growth, while other seasons are best for managing size.
Utilize the right equipment for hard-to-reach places. Tall trees could require heavy equipment, like a cherry picker or scissor lift.
Cons of hiring a landscaper:
Can be costly for tall trees. Tree trimming is important but will take a pretty big bite out of your budget.
Unlicensed landscapers could be an insurance liability. An uninsured contractor who gets injured on your property could require you to file a claim with your homeowners insurance policy.
One-time landscaping services
In addition to ongoing lawn care, weigh the pros and cons of hiring a landscaper for one-time landscaping projects.
Hardscape design and installation
No matter what size your yard may be, a professional landscaper can help you design hardscaping to maximize its usability. This could be with decking, a stone patio, pergola, or other hardscape features. The design and installation are typically two different services. A professional landscape design for your outdoor space could range from $1,954 to $6,971. For the actual labor and materials, your costs vary greatly depending on the size, scope, and materials.
These projects are typically better left to the professionals instead of a weekend warrior project, unless you have above-average DIY skills. For a homeowner with limited experience, you run the risk of unlevel patio stones or structurally unsound hardscaping if you attempt large-scale projects on your own. Plus, projects like decking typically require city or county permits and approvals.
Pros of hiring a landscaper:
Quality craftsmanship. Avoid the DIY “look” by using a detail-oriented landscaper.
Faster results. Get your project completed all at once, rather than fitting it into your own busy schedule here and there.
Cons of hiring a landscaper:
Expensive costs. Expect to spend several thousand dollars for hardscaping projects.
Potential need to manage multiple professionals. You may have to manage the landscape designer and installer separately.
Landscape lighting
Incorporating lighting into your landscape can add a magical nighttime ambiance to your yard. There are different levels of service depending on the property features you want to highlight in the evening. You could add uplighting towards the home to draw attention to unique architectural features or illuminate walking paths to see where you’re going in the dark. String lights for garden parties are also a popular upgrade when it comes to landscape lighting.
Some of these projects are fairly simple to DIY and if you opt for solar-powered lights, you can especially save money since you won’t have to plan on an electrician having to wire anything. For bigger projects that do require re-wiring, you may want to hire a professional so you don’t hurt yourself. Electricity is not something that you should play around with.
Costs vary on the type of lighting and how far your cables need to go from existing electric lines.
Pros of hiring a landscaper:
Safer than DIY. This is especially true if new electric cables are involved. You don’t want to set yourself up for a fire hazard.
Cons of hiring a landscaper:
Solar projects may be easier. In some cases, DIY projects may be simple if no new electrical cables are needed.
Lawn and garden bed irrigation
If your summers are marked by dry conditions or inconsistent rain, you might consider installing a sprinkler system for your grass and irrigation lines for your garden beds. Irrigation can keep your plants healthy all year long.
If you’ve already invested in lawn seed and garden plants, this could be an important project. Plus, while the average drip irrigation system costs upwards of $2,000 for an entire acre, there are plenty of online DIY tutorials that can help you spend even less. In fact, if you’re willing to do some digging and connect some PVC pipes and soaker hoses, you could knock out this project for around $100 (depending on your garden size).
A new sprinkler system might be pricy, but you can purchase a DIY kit if you feel confident in marking zones and digging trenches throughout your entire yard. Based on the mechanics involved, this would definitely be a project for more seasoned DIYers.
Pros of hiring a landscaper:
A quick process with limited mistakes. A landscaper can quickly get irrigation or sprinklers in place without digging into buried power lines or pipes.
Minimal disruption to grass and other plants. Landscapers have tools to limit the disruption to your lawn, especially compared to you digging trenches by hand with a spade.
Cons of hiring a landscaper:
Small irrigation projects may be simple and inexpensive. You could certainly DIY raised bed irrigation or other areas that aren’t intrusive.
Saving with a DIY approach
When deciding which projects to complete on your own, start by evaluating your safety and skills. Selecting and planting plants takes a little research, that way you can make sure that you are planting them in the right place. That said, it can be a fun experience and much less expensive to tackle by yourself. Consult the staff at your local garden center to get ideas of what plants perform well in your area. If you make mistakes, you can always plant something new.
For projects that have an element of danger involved, like trimming trees or building a deck, consider shelling out the money for the professional. You don’t want to risk building a faulty structure or mistakenly estimating where a tree could fall.
Project
DIY cost
Professional cost
Planting
Cost of plants
$1,366 to $5,641
Lawn maintenance
Average cost of lawn mower: $363 for push mower; $2,450 for rider mower Plus gas and maintenance costs
$49 to $218 per visit
Deck construction
$8 to $10 per square foot
~$25 per square foot
Summary
Some landscaping projects are easy to do by yourself over the course of a few hours, but others take a lot of time, effort, and skill. For some homeowners, it isn’t worth it to take the DIY route.
At a minimum, hire out landscaping projects that may seem dangerous without the right tools or talent. From there, you can gauge how each project cost compares to your budget and timeline to find out if hiring a landscaper is, in fact, worth it for you.
After being settled in our loft for nearly two and half years now, it’s easy to feel like there isn’t really much more for me to do design-wise. Given the small space, we’re pretty set with what we’ve got. But as I finally finished getting all the holiday razzle dazzle put away, I was really getting the itch to make the space feel new again…without making any major changes. With the new house renovations about to get going finally!!, I’m looking to tread design water for a while. And that’s a tough pill for a constant rearranger like me to swallow! I’m quite confident many of you can relate.
To scratch my decorating itch I surveyed our main living space looking for one little change that would have a big impact – and I think found it! By making a simple switch up, our living room suddenly feels brand spanking new. Can you spot what’s different? You can check out before shots here!.
I swapped our living room rug! Tucking my lovely shag Moroccan into storage for safe keeping, I wanted to bring in something with a bit more pop and this bold graphic option from Loloi Rug’s Alder Collection was just perfect! Loloi Rugs is a bit of a hidden gem since they’re a wholesaler, so be sure to ask your favorite design store or online retailer to add them to their rug line! Laid down right on top of our existing sisal, there was no need for a rug pad – the sisal adds the cushion needed to buffer the rug’s flat weave. I love that the new rug is nice and neutral, yet the geometric print adds life to the room without being overpowering. Coincidentally, it also played right into my current obsession with camel + black decor.
After that, all I needed to do was remerchandise some of my existing accessories! After having all the holiday crap accoutrements around, I’m in a very minimalist mood. Instead of adding things, for this update I focused on taking things away. I swapped pillows from the office for a new look on our window seat, switched around some hides decorating secret weapons! and rotated in my favorite snake plant, a couple design books and only a choice selection of knick knacks. If I wasn’t loving looking at it right now, it was out lucky for Goodwill!.
My proudest little DIY moment? Reurposing some empty frames for a fresh focal point over our fireplace! I’m hesitant to invest in any new art until I’ve finalized the design direction for the house, so this is the perfect placeholder. A few strips of 3M stickies and voila – a little abstract gallery wall should get me through the next few months quite nicely.
I don’t know about you, but I’m rather pleased with how this mini-makeover came together – and in a single afternoon mind you! thank you football playoffs!. The room feels clean, open, refreshed and revitalized and so do I!
Up next – making room for le bebe! Details on that to come soon since we’ve only got a couple months to go. How the heck did that happen??
More ways to update your space for 2015 HERE
A rug related DIY HERE
photography for apartment 34 by Bianca Sotelo // photobombs by Chloe & Bailey
***This post is in partnership with Loloi Rugs. Thoughts, opinions and design 100% our own. Thanks for supporting posts that keep Apartment 34’s doors open.***
Inside: Working mothers face many challenges when balancing work and family life. This guide offers the best jobs for moms. Find out how to maximize your career opportunities while raising children.
Moms often feel like they can’t have a successful career and be a good moms at the same time.
I completely feel that way too. I struggled to be a stay-at-home mom when my kids were little because I wanted to help out financially to help pay down debt. It took me a few years, but I soon realized there are great ways to make a mom and be a great mom!
I have uncovered plenty of jobs for moms with no degree that offers flexible hours, good pay, and satisfying work.
The best jobs for moms with no degree are ones that offer flexibility, good pay, and room for growth.
It can be tough to balance family and career, but it is possible to find a job that fits your lifestyle.
Here are the best jobs for moms with no degree or with a degree.
What jobs are good as a mom?
As a mom, finding a job that allows for flexibility and growth can be challenging, especially if you don’t have a college degree.
However, there are still plenty of opportunities out there that can help you balance your family and career.
Most importantly, you need to find a job that you LOVE! An environment that you thrive in!
With flexible schedules, remote work options, and potential for growth, these jobs can provide the stability and income moms need while still being able to prioritize their families.
Whether you’re looking for a part-time job or a full-time career, there are plenty of opportunities out there for moms.
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What are the best careers for current stay-at-home moms?
Stay-at-home moms face the challenge of balancing their family responsibilities with the desire to pursue a career.
With the high cost of child care, you need to find a job that allows you to take your kids or one that offers flexibility to work around your kid’s schedules.
Hello- that is me! I am a blogger and day trader when I’m not taxing my kids around.
Your best bet is to check out how to make money online for beginners. That is where you will find the most job options that can be done from home or offer flexible schedules, making it possible to have the best of both worlds.
What are the best careers for former stay-at-home moms?
Returning to the workforce after being a stay-at-home mom can be a daunting task, but there are many careers that are best suited for moms.
You still want careers that offer flexibility, high earning potential, and a good work-life balance.
You need to consider your previous employment, any education or certificates you hold, or skills and/or interests.
As such, the answer will vary for each person reading this post. So, consider any one of these past ideas.
Best Jobs for Moms
There are plenty of great jobs for working moms.
The key is to find a position that offers the right mix of income, hours, and flexibility.
Preferably, you want a low-stress job that pays well without a degree.
Here are jobs to consider if you’re a working mom with no degree.
1. Web developer
Web development is a highly flexible and lucrative career option that is ideal for working moms who may not have a college degree. With the ability to work remotely or part-time, web development is a perfect fit for moms who need a flexible schedule.
This field is rapidly growing and in high demand, making it an excellent choice for those looking for a career change.
To become a successful web developer, proficiency in programming languages like HTML, CSS, and JavaScript is essential. Additionally, knowledge of website design and development tools is crucial to create visually appealing and functional websites.
The skills required for web development can be learned through online courses or boot camps, making it accessible to anyone with an interest in technology and design.
Benefits:
Many web developers work from home or have flexible schedules, making it easier for moms to balance work and family life.
The demand for web developers is expected to grow, making it a stable and secure career option.
Web development is a field that allows for creativity and self-expression.
Pay: The salary for a web developer varies greatly on experience, but it is possible to make six figures.
2. Customer Service Representative
Customer service representative is an excellent career option for working moms who do not hold a college degree.
As a customer service representative, you will be the primary point of contact between customers and the organization, providing information about products and services, taking orders, responding to customer complaints, and processing returns.
You can work from home part-time or full-time, and many times the work takes place remotely. To succeed in this role, you will need to have strong communication and negotiation skills, patience, and the ability to multitask.
Benefits:
The work environment is flexible, and you can work from the comfort of your home.
Job offers great work-life balance and schedule options, making it an ideal choice for working moms.
Pay: As a customer service representative, you can expect to make from minimum wage to $20 an hour.
3. Proofreader
Being a proofreader can be a rewarding and fulfilling career for individuals who have a way with words and a keen eye for grammar. As a proofreader, your primary responsibility would be to review and correct spelling, grammar, and punctuation errors in various types of written content, such as books, websites, and social media posts.
Moreover, the earning potential as a proofreader can be quite lucrative. For instance, Caitlin Pyle, a successful proofreader, made $43,000 in one year working part-time.
To get started as a proofreader, it is important to develop the necessary skills. You can start by attending a free introductory workshop or enrolling in a course that teaches the skills needed to become a freelance proofreader.
Benefits:
Great flexibility as you work on a project basis.
The significant earning potential in the field of proofreading, especially for those who are dedicated and skilled in their craft.
Rewarding career path for individuals with a passion for language and a meticulous eye for detail.
Pay: In terms of salary, the median pay for a proofreader ranges from $15.22 to $26 an hour, depending on experience and the project you are working on. Many other proofreaders earn between $1,000 to $4,000 per month.
4. Flight Attendant
A flight attendant is a career that does not require a college degree but extensive training and certification. It is an ideal job for working moms due to its non-traditional scheduling that allows them to work part-time, take extended periods off, and get out of the house.
Flight attendants can take on trips when they know they have child care covered, and stay at home for days at a time.
Benefits:
Enjoy the perks of travel.
Flexible schedules.
Great health benefits.
Pay: The pay ranges by airline, but the median salary is $65000 per year.
5. Blogger
For moms who are looking for a flexible work-from-home job that doesn’t require a degree, becoming a blogger could be the perfect fit.
With the rise of the internet, there is an increasing demand for content writers and bloggers. These jobs allow you to work from home, set your own schedule, and choose the topics you want to write about. Additionally, these jobs don’t require a degree, making them accessible to anyone who has a passion for writing and a way with words.
Blogging is another option for those who want to write about specific topics they are passionate about and share their insights with others.
Benefits:
Be your own boss.
Flexibility blogging offers – work as much or as little as you want.
Work from home.
Choose the topics you want to write about.
Pay: As a blogger, you are creating passive income through ads, affiliating marketing, and paid sponsorships.
6. Engineer
Returning to work as a mom can be a challenging transition, but leveraging your engineering degree can open up a range of opportunities for you. With your technical skills and problem-solving abilities, there are several career paths that can offer a healthy work-life balance and flexibility to accommodate your family responsibilities.
Here are ways to utilize your degree and still have the flexibility you crave:
Pursue freelance work in your field. As a freelance engineer, you have the freedom to determine your own schedule and take on projects that align with your interests and availability. Platforms like Upwork provide a space for engineers to connect with clients and offer their services on a project basis. This allows you to work on engineering projects from the comfort of your own home, giving you the flexibility to balance work and family life.
Explore part-time or remote positions with engineering firms or companies that value work-life balance. Many engineering firms recognize the importance of accommodating working parents and offer flexible work arrangements. With your engineering background, you can contribute to projects and collaborate with teams remotely, allowing you to work from home and adjust your schedule to meet the needs of your family.
Pursue a career in technical writing or content creation. Many companies and organizations require technical documentation, manuals, and instructional materials to accompany their products or services. With your engineering background, you can leverage your expertise to create clear and concise technical content.
Work as an engineering consultant. As a consultant, you can offer your specialized knowledge and expertise to clients on a project basis. Consulting also provides the opportunity to work remotely or have a flexible work arrangement, making it an ideal option for moms returning to work.
By expanding your knowledge and skill set, you can position yourself for more opportunities and increase your marketability in the engineering field.
Benefits:
This can be done on a freelance basis or as a remote employee, allowing you to work from home and have more control over your schedule.
Take on projects that align with your skills and interests.
Have a fulfilling career that allows you to balance work and motherhood successfully.
Pay: Additionally, engineering offers high earning potential, which can help support a family and provide financial stability. Most engineers earn over $100000 a year.
7. Virtual Assistant
For working moms with no degree, finding a job that balances well with their family life can be a challenge. However, virtual assistant jobs can be the perfect solution.
As a virtual assistant with no experience, you can work from home, set your own schedule, and earn a good income.
A virtual assistant provides administrative support remotely, handling tasks such as email and social media management, scheduling appointments, data collection, customer service, and event planning. The skills required for this job include strong multi-tasking, organizational, and time-management skills, as well as basic computer skills.
Here is a virtual assistant checklist to see if you would enjoy this job possibility.
Benefits:
Be the boss of your own schedule.
Build your own small business if you desire.
Earn significant income
Pay: Most virtual assistants can earn $21 an hour or more pending experience.
8. Teacher
Teaching can be an excellent option for moms who want to work in a field that values education and have the same schedule as their kids.
Plus you can take on one of these summer jobs for teachers to extra cash.
Another option is to become a teacher’s aide that assists teachers in the classroom, helping with tasks such as grading papers, supervising students, and preparing materials. To become a teacher’s aide, you need to have a high school diploma or GED.
Benefits:
Same work hours as your children.
Work in a field that values empathy and care for children, while also providing financial stability and work-life balance.
Most teacher retirement plans are well worth working your full 30 years for that ongoing income post-retirement.
Pay: Unfortunately, teachers are one of the lowest paid salaries for the fantastic work they do. Find out if teachers get paid in the summer.
9. Substitute teacher
Substitute teaching can be an excellent job option for working moms who don’t have a degree. It offers flexibility, a chance to get teaching experience, and a decent daily rate of pay.
A substitute teacher fills in for full-time teachers when they are absent.
This experience can be helpful if you decide to pursue a permanent teaching position in the future.
Benefits:
Allows you to work when your schedule permits. You can note your availability and work as much or as little as you like.
Gain teaching experience without committing to a full school year.
Rewarding job option for some.
Pay: As of right now, there is a shortage of teachers, so the pay for substitute teachers has increased immensely. Substitute teachers can earn a daily rate ranging from $60 to $200, depending on the school district and the region with most substitutes making $22 an hour or more.
10. Consultant
As a consultant, you can use your prior work or life experience to offer solutions and advice to clients in a wide range of areas, including sales, marketing, operations, and management.
Furthermore, consulting can be an ideal way to transition your prior work or life experience into a new career and shorten the time spent in school, making it a great option.
To become a successful consultant, you need to have strong communication skills, the ability to work independently, and experience in your field to run a successful business.
Benefits:
As a consultant, you can enjoy flexible work hours.
The potential to work from home.
Ability to control your schedule.
Pay: The hourly rate for consultants varies depending on the type of consultant and the industry, with some earning high salaries.
11. Day Trader
Swing or day trading is a popular option for individuals who want to work from home and make a living from the stock market. Day traders buy and sell securities within the same day, aiming to make a profit from small price movements.
This job requires a certain set of skills and investing knowledge, as well as specific equipment and software.
It is possible to make money with stocks fast.
Day trading can be a good option for working moms with no degree because it offers flexibility and the potential for high earnings. Personally, I love trading stocks and options. I learned from Teri Ijeoma.
Benefits:
Unlike traditional jobs, day trading allows individuals to work from home and set their own schedules.
Successful traders can make a significant amount of money, with some earning six-figure or seven-figure incomes.
While a degree is not required for day trading, I highly recommend taking this investing course to jumpstart your learning.
Pay: Widely variable as it depends on your risk. You can lose money or make $1000 a day.
12. Claims adjuster
As a claims adjuster, you will be responsible for investigating insurance claims, negotiating settlements, and collaborating with other professionals such as lawyers and medical experts. To become a claims adjuster, you will need to possess relevant experience, strong communication abilities, and proficiency in data analysis.
The work environment can be fast-paced and stressful, but the potential for career growth and the flexibility to work remotely make this an attractive option for many working moms.
Claims adjusters must also maintain accurate records and documentation of all claims activities.
Benefits:
While the work environment can be fast-paced and stressful, the potential for career growth is likely.
Flexibility to work remotely make this an attractive option for many working moms.
Pay: Claims adjusters can advance to higher positions within the insurance industry, such as senior claims adjuster or claims manager. Additionally, many claims adjusters work as independent contractors or consultants, providing even more flexibility and potential for career growth.
13. Bookkeeper
As a bookkeeper, one is responsible for monitoring a company’s cash flow by keeping track of transactions and preserving copies of receipts. The job requires great attention to detail, excellent organizational skills, and an ability to analyze and interpret financial data.
This job can be done virtually, making it an excellent position for moms who want to improve their work-life balance.
Bookkeeping does not require a degree and one can earn a decent hourly pay or salary. To become a bookkeeper, one must have bookkeeping skills, which can be learned from online courses.
Benefits:
Flexible working hours, allowing them to work whenever suits them.
Great for someone who loves analytics.
Pay: Most bookkeepers enjoy relatively high hourly salaries. They can work as independent contractors or be paid as a salaried employee.
14. Nanny
Being a nanny is an excellent option for moms who want to balance work and family life.
As a nanny, you would be responsible for taking care of children, cooking, cleaning, and running errands. The best part about being a nanny is the flexible hours, which allow you to work part-time or full-time while still being present for your family.
Finding a job that allows moms to work while still being present for their families is crucial, and being a nanny provides the perfect solution.
Benefits:
Be able to care for your own children at the same time.
Find a nanny job that works for your circumstances.
Stay young and playful while working with kids!
Pay: The pay varies widely for a nanny, but once you have experience and great references, you can earn good money.
15. Marketing Specialist
Marketing can be an excellent job choice for moms looking for flexibility, potential job growth, and the opportunity to work remotely. With the advancement of digital marketing, moms can now pursue a career in marketing without having to leave their homes or work in a traditional office setting.
As a digital marketer, there are various specializations and skills that can be honed to advance in the field. These include SEO (search engine optimization), web development, content creation, and marketing strategies.
By continuously learning and improving these skills, moms can enhance their professional reputation and open doors to new opportunities within the marketing industry.
Benefits:
Ability to work from home.
Work flexible work hours that can be adjusted to fit their family’s needs.
Digital marketing also offers potential job growth and career development.
Pay: As a marketing specialist, the pay can vary greatly if you work as a freelancer or a bigger corporation.
16. Financial Advisor
Financial advising can be an excellent career path for working moms without a degree, offering flexibility and opportunities for growth.
Honestly, I know many people who have successfully entered the workforce as financial advisors.
The first step towards becoming a financial advisor is to obtain relevant certifications and licenses, such as the Certified Financial Planner (CFP) designation. Once certified, financial advisors can work for a firm or start their own business, providing financial advice to clients.
Pursuing a career as a financial advisor can offer a good salary and work-life balance, making it a great option for working moms.
Benefits:
Help others pursue a life of financial independence.
Perfect for someone who loves numbers!
Pay: The pay for a financial advisor varies greatly, but the median salary is $75000 a year.
17. Writer
Becoming a writer can be a great career choice for moms who want to work from home and have a passion for writing. With flexibility, the potential for a decent income, and no degree required, it’s an accessible and rewarding career path.
Highly recommended to take this writing course to jumpstart your networking opportunities.
As a writer, you can work as a content writer, staff writer, or freelance writer.
Content writers produce content for websites, such as blogs, news aggregators, and e-commerce sites.
Staff writers write articles for publications, such as magazines or newspapers.
Freelance writers write for clients without being permanent employees.
What’s more important is having a way with words, strong research skills, and a passion for writing.
Benefits:
Flexibility to work on a story when you are able to.
For those with a love of English, this is a great way to express yourself.
Pay: While the average hourly rate for writers and bloggers varies, it’s possible to earn a decent income in these fields.
17. Social Media Specialist
As a social media specialist, you will manage social media accounts, create and post content, increase engagement, analyze data, and monitor social media. This role requires skills such as graphic design, writing appealing content, an eye for design, and flexibility.
Moms possess many of these skills naturally, such as multitasking, creativity, and communication. These skills can be applied to social media management, including content creation, scheduling, and community management.
Social media management is also a growing field. As a result, this job can provide moms with a stable income and career growth opportunities while allowing them to prioritize their family life.
Benefits:
Great for those who personally love social media.
Easy to work anywhere.
Pay: With an average salary of $52000 a year, this job can be done from home, making it a perfect fit for moms.
18. Human resources manager
Work-life balance is crucial for working moms, and a career as a human resources manager can provide just that.
Human resources managers are responsible for managing employee benefits, overseeing hiring processes, and handling employee relations. This job offers flexibility, including the ability to work remotely or part-time.
A career in human resources management can positively impact a working mom’s family life by providing a consistent schedule that doesn’t involve weekends or holidays.
Benefits:
HR managers are in high demand in many industries, as every organization requires HR expertise to manage its workforce effectively.
Opportunities for personal and professional growth.
Make a positive impact on employees’ lives.
Ample networking opportunities with employees, upper management, and external stakeholders.
Pay: Human resource managers often receive competitive salaries, with average annual earnings exceeding $120,000.
19. Sell on Printables on Etsy
In recent years, the demand for printable products has grown tremendously, making Etsy a great platform for working moms without a degree to earn a steady income from home.
Printables are digital files that customers can download and print at home, such as wall art, planners, calendars, and invitations.
The best part is that once you create a printable, you can sell it repeatedly without having to invest more time or money.
Check out the list of the most popular printables you can create.
Benefits:
A flexible job that allows you to work from home and set your own hours.
Earn a steady income from a single printable, which means you can focus on creating new products and growing your business.
Able to start s small business.
Pay: This is a passive income. Learn how much these sellers have made.
20. Retail associate
Many moms become retail associates to get a discount from the retailer!
Working in retail can be a rewarding and dynamic career choice. Retail jobs are generally physically demanding, as employees are often on their feet for long periods and may need to lift and move heavy items.
The nature of retail work can also be stressful, especially during busy periods such as holidays or sales events. However, it can also be an opportunity to develop and utilize various skills, particularly when interacting with customers.
Benefits:
Working part-time hours while your children are at school.
Discounts to the retailer you work.
Flexible scheduling hours.
Pay: This is a minimum wage job earning $13 an hour to $18 an hour.
21. Nursing
Nursing is a fulfilling career for moms who enjoy taking care of others.
While most nursing positions require a degree, there are also entry-level jobs available for those without a degree. Certified nursing assistant (CNA) and licensed practical nurse (LPN) are two such positions.
Both positions require certification and training, which can be completed in a matter of months. Pursuing a career in nursing as a working mom without a degree offers the flexibility to balance work and family while also providing the opportunity for career advancement.
Benefits:
Flexible scheduling around what works best for your family.
Ability to work part-time or full-time.
Great career option to take fewer hours while your children are little and more hours when they are in school.
Pay: The average hourly rate for nursing varies depending on where you work. Most certified nurses make between $32 an hour to $50 an hour.
22. Transcriber
As a transcriber, you will listen to audio files and create a document that contains an accurate record of what was said. This is one of the best jobs for moms with no degree, as most transcription companies just require you to pass their test before they give you work.
To become a successful transcriber, you will need fast typing skills, attention to detail, and the ability to sit for long periods of time. You may also need to purchase special transcribing equipment, depending on the company you work for. Most transcription jobs will require the ability to type 75 WPM or more.
This is a great non phone work from home job.
With the right skills and tools, you can become a successful transcriber and earn a decent income. So if you are a fast typer with an eye for detail, consider taking a free mini-course to find out if this is the right job for you.
Benefits:
Transcription jobs from home are available remotely and work as many hours as you want.
Set your own schedule.
Make money by meeting deadlines.
Pay: Generally, transcriptionists earn around $19 per hour in the US, but this can be more depending on your employer.
23. Graphic Designer
Graphic design is an excellent job for working moms with no degree, as it allows for significant flexibility in working hours and can be done from home.
As a graphic designer, you will be responsible for creating logos, designing websites, and developing marketing materials such as brochures and flyers. To succeed in this field, you’ll need to be creative, detail-oriented, and able to work with clients to meet their specific needs.
Benefits:
Balance their family responsibilities with a fulfilling and rewarding career.
Perfect to showcase your creative side.
Pay: With a median annual wage of $48000 per year, graphic design is a lucrative career that offers plenty of room for growth and advancement.
24. Online Coach
Being an online coach is a great job for individuals who are looking to earn money online without a degree. While some online coaches do gain certifications, it is not always necessary.
There are several types of coaching fields to enter, including career coaching, life coaching, health coaching, family coaching, and fitness coaching. It is advisable to choose a field that you have experience in or feel comfortable handling.
As a life coach, for example, you can assist clients in achieving their goals, dealing with self-esteem issues, or working on relationships.
Benefits:
Freedom to set your own schedule and work from home, which allows you to balance work and family responsibilities.
Potential to earn a good income, especially if you specialize in a high-demand niche and build a strong client base.
Viable career option for working moms without a degree.
Work remotely from their computers and communicate with clients online.
Pay: Most coaches make between $30 an hour – 100 an hour pending experience.
25. Counselor
Counseling is indeed a vital service that plays a crucial role in helping individuals and families overcome difficult challenges.
As a counselor, you work closely with clients to address various issues and support them in achieving their personal and professional goals.
Counselors can work in diverse settings, including private practices, mental health centers, schools, substance abuse centers, or government institutions. This allows for a wide range of opportunities and flexibility in terms of work environment and schedule. Additionally, advancements in technology have made it possible for counselors to provide their services online, further expanding the accessibility and convenience of counseling.
Benefits:
Flexibility to work part-time or full-time.
Making a positive impact on the lives of others and contributing to their well-being is a significant aspect of counseling that attracts many individuals, including moms, to pursue this profession.
Offers a fulfilling and financially rewarding career path.
Pay: The average hourly rate for counselors is $39 an hour.
Other Jobs Options to Consider:
Home Health Aide: Care for patients in their own homes. Many opportunities for part-time work.
Personal Care Aide: Assist clients with daily tasks such as bathing, dressing, and grooming. Flexible schedules are available.
Event Planner: Plan and organize events such as weddings, conferences, and parties. Can often work on a freelance or contract basis.
Photographer: Take photographs for a variety of purposes such as weddings, events, or marketing materials. Can often work on a freelance basis.
Personal Trainer: Help clients achieve fitness goals through exercise and nutrition coaching. Can often work on a freelance or contract basis.
House Cleaner: Clean homes or businesses on a regular basis. Offers flexibility in terms of schedule and workload.
Online Tutor: This job involves teaching students online in various subjects. Skills required include teaching ability, subject expertise, and communication. To balance work and family life, set a schedule and prioritize family time.
Translator: This job involves translating written or spoken content from one language to another. Skills required include fluency in multiple languages, attention to detail, and communication. To balance work and family life, set a schedule and prioritize family time.
Pet Sitter/Dog Walker: This job involves caring for pets while their owners are away. Skills required include love for animals, responsibility, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
Personal Shopper: This job involves shopping for clients and delivering their purchases. Skills required include organization, communication, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
What to consider when choosing a job for working moms without a degree?
Working mothers without a degree face many challenges when it comes to finding a job.
They need to find a balance between their family and career commitments, and they also need to find a job that is flexible enough to accommodate their schedule. Here are the things to consider when looking for a new job.
1. Hours and Shiftwork
For working moms being able to control their own schedules allows them to be present for their children’s needs while also earning an income is extremely important. It is important to consider the hours you have available to dedicate to a job along with the shiftwork necessary when choosing a job.
Think about whether you want to go part-time or full-time.
Also, weekend shifts are also an option for those who need to work around their family’s schedule. Even better, remote work has become increasingly popular and offers even more flexibility.
2. Salary
Salary considerations play a significant role in achieving this stability a mom desires.
It is essential to explore different salary options and negotiate to ensure that you are being fairly compensated for your skills and experience.
Consider starting salary, the potential for growth, benefits packages, and negotiation when exploring job options.
3. Responsibility and Stress
As any working mom can tell you, being a working mom can be an incredibly stressful experience. Mothers often have to balance their work responsibilities with household chores and childcare, which can be overwhelming.
Finding a job that balances responsibility and stress is crucial for working moms to maintain their mental and physical health, and to be able to provide for their families.
4. Level of Education Required
As a working mom, it is important to consider the level of education required when choosing a job.
Plus, it is crucial to research job requirements and considers personal interests and skills when selecting a job. By doing so, working moms can find a job that offers flexibility, decent pay, and job satisfaction.
5. Professional Licenses and Certifications
Obtaining, professional licenses and certifications is an excellent way for working moms without a degree to increase their job opportunities, earn higher salaries, and improve job security.
These certifications and licenses are often required for specific industries, such as healthcare, education, and law enforcement.
With so many options available, it’s important for working moms to explore the various certifications and licenses that are relevant to their industry and career goals.
6. Work-Life Balance
Balancing work and family life is a challenge for anyone, but it can be particularly daunting for working moms.
However, there are several factors to consider when choosing a job that can help achieve a work-life balance:
Flexible Work Hours: A job with flexible work hours can help working moms without a degree balance their work and family responsibilities. This can include part-time work, remote work, or jobs that allow for flexible scheduling.
Remote Work Options: Remote work can be an excellent option for working moms without a degree who need to work from home.
Company Culture: A supportive company culture can make all the difference for working moms. Look for companies that offer family-friendly policies such as paid time off, flexible work schedules, and on-site childcare.
By prioritizing work-life balance, working moms can achieve success in both their personal and professional lives.
7. Vacation and Time Off
For working moms without a degree, vacation and time off are crucial benefits to consider when evaluating a potential job offer.
Here are three factors to consider when reviewing a company’s vacation and time off policy:
The number of vacation days offered, including paid time off for sick days and personal days.
The flexibility of the policy, such as the ability to take time off for family emergencies or unexpected events.
The potential for extended leave, such as maternity or paternity leave.
8. Career Advancement
When considering a job as a mom, career advancement is an important consideration. It is essential to choose an employer and a job that offers opportunities for growth and progression in your chosen field.
Advancing in your career not only allows you to achieve personal and professional goals but also provides financial stability and job satisfaction.
Don’t underestimate the power of setting clear career goals and actively working towards them.
By investing in your skills, building a strong network, and setting clear career goals, you can pave the way for a successful and fulfilling career as a mom.
9. Job Security
Job security is especially significant for working moms, who may face more challenges in finding and keeping a job.
Typically, working moms are limited in their job options.
So, look for careers that provide financial security as well as companies with a solid track history.
This is the perfect side hustle if you don’t have much time, experience, or money.
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FAQ
You can search for remote jobs, part-time jobs, or freelance gigs.
You can also look for companies that have flexible policies in place. Also, reach out to your network and ask if anyone knows of any openings that are flexible.
Stay-at-home moms can find a variety of jobs that can be done from home and offer flexibility to work around their schedule. Here are some of the options available:
Working from home offers the benefit of having a better work-life balance and the ability to be present for their families while still earning an income.
Which Job for Moms will You Choose?
For moms who want to balance family and career, finding a job that offers work-life balance and career growth is crucial.
Not only can working increase income, but it can also lead to career advancement and personal fulfillment.
Above, we listed many great jobs for moms. You can choose a job that allows you to work from home, or one that provides flexible hours. Also, many moms like me prefer one of these early morning jobs.
Whatever you choose, make sure you find a job that you enjoy and that allows you to spend time with your family.
Know someone else that needs this, too? Then, please share!!
It can be satisfying to watch your 401(k) plan balance grow over time as you contribute to it. But what happens when those contributions stop? The amount your account will grow depends on how much money you have in it and how the market performs. Here is how you can estimate the future performance of your 401(k). If you’d like personalized advice about planning for retirement, consider working with a financial advisor.
What Is a 401(k)?
A 401(k) is an employer-sponsored retirement account that offers tax benefits. A traditional 401(k) will be withdrawn from your paycheck pretax and will only be taxed when you withdraw from it in retirement. A Roth 401(k) is similar but reversed, in that the money that goes into it is already taxed, so it won’t be taxed when you withdraw from it in retirement. You can withdraw from either type of 401(k) penalty-free beginning at age 59 ½.
When you sign up for a 401(k) plan, you’ll be presented with investment options when you complete the paperwork. Once you deposit money, it will be invested according to your selections.
401(k) plans were specifically created to incentivize workers to save for retirement. If you contribute to a traditional 401(k), your taxable income is reduced due to the 401(k) withholdings. If you’re contributing 6% of your income to a 401(k), you won’t owe taxes on that percentage of your income. With a Roth 401(k), instead of saving on taxes in the year you contribute money to your 401(k), you’ll enjoy the savings when you withdraw it in retirement.
How Does a 401(k) Work?
You may be asking yourself, how does a 401(k) plan make money? The main way you will see your 401(k) grow is from your contributions (and your employer’s, if they offer a match). Once you stop contributing, what happens next?
So, remember the investment options you were given when you signed up for the plan? Your choices told your 401(k) provider how to allocate the money in your 401(k). A common investment option is a target-date mutual fund. This type of fund will contain a mixture of investments, including stocks and bonds, managed to maximize returns while minimizing your risk as you near retirement age. Generally, you’ll be advised to invest in riskier funds when you’re younger and move towards more stable investments as you age.
The money you see in your 401(k) and what you’ll be able to withdraw in retirement are made up of contributions, plus earnings from your investments, plus interest.
How Does It Grow When You Stop Contributing to It?
When you stop contributing to your 401(k) plan, don’t expect to see your balance grow at the same rate. But how much your balance will grow will depend on a few factors.
Interest is one of the big factors in the continuing growth of your 401(k) plan’s balance. When you select a fund to invest in, that fund may include CDs, bonds and/or money market funds—all investments that generate interest. And the larger your balance, the larger those interest payments will be. Simply put, 5% of $10,000 is more than 5% of 100,000.
Other investments might generate earnings based on the market, such as stocks and ETFs. You may see greater volatility in these investments, with earnings either being very good or very bad. When you choose what to invest in, you set your risk profile—riskier investments have the promise of a higher payout but also can suffer markedly when the market turns.
One of the most important things to consider when thinking about how much your 401(k) balance will grow once you stop contributing is compounded growth. When you earn money, either from interest or earnings, that amount is put back into your 401(k) and invested. For a very simple example, let’s say you have $1,000 that you invest for one year and it earns $100. Your 401(k) will add that $100 to the pot and invest $1,100 the next year for a return of $110.
On a small scale like that, it might not seem impressive. But compounding interest and earnings is the most meaningful way that a 401(k) plan will continue to generate growth after you stop contributing. If you add a couple zeroes to the end of those example figures, you’ll soon see the point.
The Bottom Line
While your 401(k) account will likely continue to grow after you stop contributing to it, that growth will be limited by the market, your plan’s balance and other factors. The growth can vary over time as any one of those things changes. In order to get a good idea of what yours could look like you may need to work directly with a professional financial advisor to help you calculate the estimation for your account.
Retirement Tips
Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
Use SmartAsset’s free retirement calculator to see if you’re on track to meet your retirement goals.
You may find your company’s 401(k) plan may not be the best option for you. And you may get better investment choices and tax breaks if you open an IRA or a Roth IRA. To help you decide, we published articles on the best IRAs and the best Roth IRAs.