In the realm of home sanctuaries, few spaces hold as much significance as the bathroom. It’s where we begin and end our days, a place of solace and rejuvenation. Elevating this essential space goes beyond mere functionality; it’s about curating an environment that blends practicality with indulgence. Enter essential bathroom accessories, the unsung heroes that transform a basic restroom into a haven of comfort and style. From plush underfoot luxury to innovative lighting solutions, each element is pivotal in enhancing your daily ritual. Whether you’re renting an apartment in Tyler, TX, or own a house in Charleston, SC, this Redfin article will explore must-have bathroom essentials and discover how they can turn your bathroom into a retreat you’ll never want to leave.
1. Luxury underfoot
A luxury underfoot provides a soft and comfortable surface that enhances your overall bathroom experience, making stepping out of the shower or bath a pleasure rather than a chore.
“Add some simple luxury underfoot with an extra large bath mat or bath runner that expands across a double vanity,” recommends Oh Happy Home. “No more sharing tiny bath mats or jumping from one bath mat to another.”
2. Toilet paper dispenser
A toilet paper dispenser provides hygiene and convenience by neatly organizing and dispensing one of the most essential elements of the bathroom, while minimizing waste, and providing seamless access.
“My favorite bathroom accessory is a toilet paper dispenser that is fully covered. It has to be covered from bacteria and steam from the shower,” shares Leticia’s First Class Cleaning Inc.
Photo courtesy of Barumi Electric Bidet
3. Electric bidet
With features like adjustable water temperature and pressure, electric bidets have become increasingly popular and can provide a customized and comfortable experience in your bathroom.
Barumi Electric Bidet Team states, “Electric bidet toilet seats are the ultimate bathroom upgrade you never knew you needed. With customizable water temperature, pressure, and even a heated seat, it’s like a spa day for your bathroom routine.”
4. Motion sensor-activated light switch
A motion sensor-activated light automatically turns on the lights when it detects motion and then turns them off when the room is vacant, helping to conserve electricity and reduce energy costs.
“There is nothing more frustrating than fumbling around in the dark for the bathroom light switch in the middle of the night,” says The Honest Maid. “Put these motion-activated light switches in your bathrooms, and as soon as you open the door, there will be light.”
5. Steam showers
Steam showers are a luxurious and rejuvenating addition to any bathroom. They offer a spa-like experience by generating warm, soothing steam that can help relax muscles, improve circulation, and promote a sense of calm and well-being.
“Our favorite bathroom accessory right now is a steam shower. When most people take on a bathroom project, they want to replicate some version of a spa experience. Steam shower systems are controlled either from a built-in shower touch screen or an app on a phone, and settings like temperature and time can be changed and saved for each person. Media can even be incorporated so an Owner can watch the big game, listen to a podcast, or hear their favorite playlist while relaxing in their shower,” remarks Sneller Custom Homes.
6. LED mirrors with demisters
LED mirrors with demisters are a practical and stylish addition to any bathroom. The integrated demisting feature prevents the mirror from fogging after a hot shower, while the energy-efficient LED lighting provides bright lights while you get ready.
Inyouths shares, “My favorite bathroom accessory is a custom LED mirror with a demister. It’s a truly exceptional addition to any bathroom for several reasons. We believe that this LED mirror enhances both form and function in the bathroom. Its subtle backlight adds a touch of elegance, making daily rituals more comfortable and enjoyable. The mirror’s waterproof and anti-fog features ensure a clear reflection even in the steamiest showers, making it a must-have for both practicality and style.”
7. Drill-powered scrub brushes
Power up your cleaning routine by attaching scrub brushes to a power drill to provide a high-powered, rotating scrubbing action that effortlessly tackles tough stains, grime, and soap scum on surfaces like tiles, grout, and bathroom fixtures.
“Drill-powered scrub brushes are essential to maintaining a clean and healthy bathroom,” notes Drillbrush. “These brushes can be inserted into any cordless drill and be used to scrub messes out of bathtubs, shower grout, and sinks more efficiently than scrubbing by hand.”
8. Loofah soap bar
Loofah soap bars are a versatile and practical addition to any bathroom routine. Combining the exfoliating benefits of natural loofah with cleansing soap, they provide a convenient way to gently scrub away dead skin cells, leaving your skin smoother and rejuvenated.
Soapy Mania remarks, “We recommend a loofah soap har as a ‘must’ bath accessory because it is an all-in-one cleansing tool – as the soap lathers against your body, the natural loofah fibers work their magic, removing dead skin cells and leaving your skin soft, smooth, and rejuvenated.”
9. Handpainted items
“A hand-painted bathroom accessory is one of my favorite ways to personalize a bathroom. Decorated wastebaskets, soap dispensers and ceramic towel bars add a custom touch on a budget,” says Decorated Bathroom.
10. Mesh body exfoliator
A mesh body exfoliator is a must-have bathroom accessory for effective and invigorating skin care. Its textured, mesh-like surface gently removes dead skin cells and unclogs pores, leaving your skin refreshed, smooth, and ready to absorb moisturizers more effectively.
“My favorite bathroom accessory is a Mesh Body Exfoliator that has been used in West Africa for bathing for generations. Anyone who likes to be CLEAN and SMOOTH needs it in their life. Your loofah could never,” raves Caroline-Founder/Smooth Operating Officer of Luv Scrub.
11. Stash box for wipes
A stash box for wipes is a discreet storage solution for keeping wipes readily accessible in the bathroom. Designed to blend seamlessly with your bathroom decor, it ensures that wipes are neatly organized and protected from moisture, preserving their freshness.
“Our favorite bathroom accessory is a stash box for wipes,” states Dude Products. “This keeps your wipes stored right where you need them while out of sight, perfect for storing wet wipes, feminine products, or other bathroom essentials.”
12. Shampoo bar and cedar tray
A Shampoo bar and cedar tray are essential for an eco-friendly and organized bathroom, providing a sustainable alternative to traditional liquid shampoo while adding a touch of natural elegance.
Zero Waste Mvmt shares, “My absolute favorite bathroom duo is our Shampoo bar paired with a cedar tray. The bar offers a sustainable, clutter-free hair care solution, making it a favorite for its eco-friendly benefits. Anyone seeking a functional yet elegant bathroom aesthetic would find this pairing essential. It not only beautifies the shower space but also champions a greener lifestyle. It’s a must-have for those who value sustainability without compromising on style, ensuring a bathroom that shines both in appearance and purpose.”
Inside: Are you struggling to make ends meet on a low income? This guide will teach you how to budget money effectively on a low income, so you can live a comfortable life without having to skimp on important expenses.
Let’s face it… Navigating through the budgeting on a low income can often feel overwhelming.
The fear of insurmountable bills, the anxiety associated with rising living costs, and the overall foreboding nature of budgeting often make for a persistently stressful experience.
However, it is crucial to understand that you are not alone in this journey. I have been in your spot as well as many Money Bliss readers.
Regardless of how daunting the budgeting task may appear, we truly believe that with the right guidance and adherence to solid financial principles, you are capable of achieving financial peace of mind.
This process will simply require patience, persistence, and strategic planning. This guide aims not only to shine a light on the struggles of budgeting with a low income but also to offer a beacon of hope.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
How to Budget Money on a Low Income
While it’s true that budgeting with a low income can be tough, proper money management can make it doable.
When you have less disposable income, it leaves you with less leeway in your budget. That’s why you have to be accountable and meticulously plan your spending to ensure financial stability.
So, let’s dig in and you can find success.
Step #1 – Figure out Your Monthly Income
Developing an effective budget starts with understanding your monthly income.
Here’s a step-by-step guide:
List out all income sources: This includes all your regular paychecks, part-time jobs, side hustles, social security, child support, or any other form of income you have. If your income is irregular, say from commissions or seasonal work, it’s advisable to base your budget on your lowest monthly income.
Account for taxes and deductions: To get an accurate picture of your disposable income, you need to factor in taxes and deductions from your earnings. You need to make sure you understand the difference between gross pay and net pay.
Include irregular income: If you occasionally get money from gifts, or sporadically earn from passive income sources like investments, be sure to include these too. As these are inconsistent, it is best to fund discretionary spending with this money.
Personally, I recommend using your net income with budgeting. This will give you an accurate budget that you can truly follow.
This knowledge is powerful when it comes to effective budgeting.
Step #2 – Define your bills and Expenses
Knowing how much you spend and what you spend your money on is another crucial step in budget planning.
The key is to define ALL your bills and expenses. Here are the personal budget categories that cover almost everything you can think of.
Now, you must do the following:
Identify your fixed costs: These are basics that you have to pay monthly and remain fairly constant, such as rent, car payments, and student loans.
Consider flexible costs: These expenses vary from month to month. Examples include groceries, transportation, electricity, water, and gas bills.
Remember periodic costs: Some costs only appear annually or semi-annually. For instance, insurance premiums, car registrations, and property taxes. It’s important to set aside money each month to cover these expenses when they arise. A sinking fund is great for these expenses.
Account for daily spending: Beyond fixed and flexible bills, consider your day-to-day expenses like shopping, subscriptions, and entertainment. Be honest about the little expenses. It’s often the small, frequent purchases that can derail a budget.
Prepare for unplanned costs: Finally, remember to budget for unexpected expenditures such as car repairs or medical bills.
By defining and categorizing your bills and expenses, you can see where your money is going and better manage your spending.
Step #3 – Reach a Zero Budget
A zero-based budget is a strategy that requires you to assign every dollar you earn to a specific expense or savings category, with the goal of having your income minus your expenses equal zero by the end of the month.
Write down your income: From the step before, you already know your total monthly income.
Subtract your expenses: Subtract the total of your monthly expenses (including savings) from your total monthly income. If you’ve correctly accounted for your income and expenses, the result should be zero. This is what it means to have a “zero-based budget”.
Balance the budget: If your income and expenditure don’t balance, adjust your variable expenses and other discretionary spending until they do. This can involve cutting back on nonessential overspending, like takeout meals or unnecessary purchases.
Allocate every dollar: With your budget balanced, each dollar should now have a purpose, whether it’s paying bills, going into savings, or providing for your daily needs.
Many people struggle to hit a zero based budget on the first try. It is common for your expenses to be higher than your income. Thus, a no spend challenge may help you identify what is important to actually spend your money.
Reaching a zero-based budget equips you with a clear picture of your financial status.
Thus, it allows you to use your money purposefully and prevents unnecessary spending. This way, even with a low income, you can still meet all your needs and work towards your financial goals.
What do you do if your budget shows your expenses are more than your income?
When your monthly spending exceeds your monthly income, immediate attention is needed to prevent worsening financial issues. Before panic sets in, consider taking the following steps:
Analyze your budget: Reevaluate and scrutinize your budget. There might be necessary adjustments overlooked or expenses incorrectly categorized. This will give you a clearer understanding of where your money is going.
Prioritize essential expenses: Allocate money to necessities like housing, food, utilities, and debt repayments first. Other less necessary expenditures, like entertainment and dining out, can be reduced or eliminated.
Reduce expenses: After prioritizing, identify areas where cuts can be made. Impulse buys, unnecessary subscriptions, or expensive habits might need to go.
Increase your income: Consider part-time jobs, side hustles, selling unused items, or picking up freelance work to bring in more money.
Seek advice if debt is weighing you down: As a last resort, you may look at ways to lower your interest rate on your debt. These strategies like debt consolidation or restructuring could help make your situation more manageable.
Remember, this situation, while stressful, is not permanent. With careful planning and disciplined execution, you can turn this around and regain financial stability.
Taking Control of Your Budget When Income Doesn’t Cover Your Expenses
Now, this is where you need to learn to manage your money wisely. You are in control of where you spend your money.
Many truly believe with a higher income all of their financial problems go away. From my research, most people end up with bigger money problems, the same spending habits, and still living paycheck to paycheck even with a higher income.
So, let’s reign in what you can do today to make your budget feasible.
1. Prioritize Essential Bills and Expenses. The key is to identify which expenses are truly essential to your livelihood. All remaining expenses, like entertainment or eating out, should be considered secondary and only met after the primary expenses have been satisfied.
2. Participate in a No Spend Challenge. A No Spend Challenge not only helps you save money rapidly but also makes you cognizant of your spending habits, helps identify non-essential expenses, and guides you towards a minimalist, sustainable lifestyle. Start with a no spend month.
3. Reduce your Housing Expenses. Housing costs can be one of the most significant expenses. Look at ways to downsize, negotiate rent, refinance your mortgage, or get roommates. Or even housesit permanently.
4. Be Cognizant of Bad Spending Habits. Some examples include impulse purchases, expensive convenience, not comparison shopping, or paying too much. By becoming aware of your spending habits and making conscious choices, you can break the cycle of unnecessary spending and start saving money with the penny challenge.
5. Skip the Expensive Coffee Shop. Choosing to forgo your daily coffee shop run can result in surprisingly significant savings. Implementing just this one change could save you over $600 a year!
6. Use Public Transportation to Save Money. The costs of owning a car – gas, maintenance, parking, and insurance – can quickly add up. So, look for public transportation as an alternative or even cycling, carpooling, or walking.
7. Take Advantage of Free or Cheap Entertainment. When living with a low income, entertainment expenses can quickly eat into your budget. Good news for you! There are plenty of things to do that don’t cost money.
8. Cut Back on Grocery Spending. By implementing simple strategies such as meal planning, cooking at home, cutting down on processed food and reducing waste, you can maintain a healthy diet while significantly reducing your grocery bills. Don’t forget to use those discounts and coupons!
9. Stick to Your Shopping List. Preplan your purchases before stepping into a store. This is a powerful tool in curbing those impulse purchases which can inflate your expenses substantially.
10. Start Meal Planning. Meal planning is a practical and economical way to manage your food budget. By planning your meals for the week, you can control your grocery spending and eliminate waste.
11. Stockpile Goods That Will Stay Stocked Up Long Term. Remember, the goal of stockpiling is to save money, not to transform your home into a supermarket. Purchase enough to last a few months and focus on items that you’re certain to utilize. Here are the best foods to buy when broke.
12. Pack Your Own Lunch and Skip Eating Out. With an average meal out costing around $10, you could easily save $200 a month by packing lunch from home. Over a year, that’s $2,400 in savings!
13. Drink Water and Avoid Processed Foods. Shifting dietary habits can be a significant change, but your commitment to a healthier lifestyle can reap both health and financial dividends. It’s an investment in a life of wellness and economic sustainability.
14. Take Advantage of Discounts when Shopping. Remember, the goal of shopping with discounts is to spend less on what you need, not to buy more than you need. So, make sure to use coupons wisely, shop sales, buy off season, and use Cashback apps like Rakuten and BeFrugal.
15. Avoid Impulse Purchases. By avoiding impulse purchases, you give your budget room to breathe and create an opportunity for savings. This makes a significant difference over time, especially when money is tight.
16. Apply for Discounts on Utilities and Services. Many utility companies provide low-income home energy assistance programs. The same is true for internet service. Contact your service providers to check your eligibility.
17. Get Free or Discounted Goods Through Charities. Charities, faith, professional, and local organizations often offer grants for people experiencing financial hardship. Utilizing them can be a lifetime as they help you stretch your budget further and provide necessary support in times of financial struggle. Don’t be afraid or too proud to ask for help when you need it.
18. Get Outside. Reconnecting with nature can provide you with cost-free entertainment and a sense of tranquility that’s hard to find elsewhere.
19. Avoid Unnecessary Expenditure. While each person’s definition of “unnecessary” may differ, the key to budget management is curbing expenditures that don’t add substantial value to your life. A common culprit could be brand-name goods or late fees.
20. Start the Practice of Saving with a Mini Savings Challenge. The Mini-Savings Challenge can pave the way to a habit of saving regularly, even on a tight budget. Essentially, this challenge consists of setting aside a small amount of money each day or week, gradually increasing the amount over time.
21. Show Gratitude. While it may seem less directly related to finance, practicing gratitude is indeed integral to efficient budgeting and financial wellness. Remember, financial success isn’t just about making more money. It’s also about appreciating what you have and recognizing the steps you’re taking towards your goals.
Inciting Additional Income Avenues
Okay, this section is how you take a low income and increase your money. While cutting back spending is helpful, creating more money will help you to reach money success faster. This will take the strain off.
1. Look for Ways to Earn Extra Income
Boosting your income, no matter how minimal the increase, can help cover necessary costs and elevate your financial standing.
Here are some ideas using your current job:
Work Overtime: If possible, consider getting more extra hours at your current job. Earnings from overtime or extra shifts can be significant.
Negotiate a Raise: If you’ve been with a company for a while and demonstrated your worth, it might be time to discuss a raise. Prepare well for this conversation with evidence of your productivity and value.
Every extra dollar earned can be put towards savings, paying down debt, and creating better financial stability.
2. Leverage Side Hustles for Extra Money
Side hustles have become an increasingly popular way to earn extra money online in your spare time. They allow for flexibility and can be a great supplement to your current income.
Start a Side Hustle: These can be a great way to make use of spare time to earn extra cash. This could be anything from driving for a rideshare company, offering freelance services, tutoring, delivering food or groceries to selling homemade goods online.
Sell Unused Items: You probably have items in your home that you no longer need. Selling anything from clothes to electronics or furniture can be a good source of income.
Passive Income: From writing an eBook to renting out a room in your house or investing in stocks, creating passive income streams can provide extra money over time.
Remember to choose a side gig that fits your schedule, interests, and skill set. Not only could it bring in extra money, but it could also turn into a passion project, making the work feel less like a chore.
3. House Sit for Extra Income
House sitting can be a viable option for those looking to generate extra income, especially if you’re flexible with your time and location. It typically involves looking after someone’s home (and sometimes their pets) while they’re away.
Not only is house-sitting a way to earn money, but it can also offer a free place to stay. Hello – you just lowered the biggest expense in your budget. However, remember that taking care of someone else’s home is a huge responsibility, so only take on tasks you’re confident you can handle.
Get started by building your profile on Trusted Housesitters.
4. Items You Don’t Need Anymore
Selling items you no longer need or use can both declutter your home and add to your income. It doesn’t just have to be big-ticket items; even small routine household items can yield returns.
While this may be difficult to do, look for items in good condition that you and your family no longer need or use. If you have extra baby stuff, you can rent it on BabyQuip for extra money.
Remember, while selling items won’t provide a consistent income, it can be a great one-time source of extra cash especially if you have these highly popular flipping items in your house.
Baby Equipment Rentals with BabyQuip
Have you heard about BabyQuip? They are the #1 baby equipment rental service offering clean, safe, and insured baby gear.
Whether you are traveling or just don’t want to purchase, this is a great idea to check out.
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5. Pick up a Part-time Job
When you’re on a limited income, picking up a part-time job can be a reliable way to supplement your earnings. You are trading your time for money.
Many of these jobs that pay weekly offer valuable experiences, skills, and possibly even room for growth and advancement. Remember to save and plan for any taxes due as a result of your increased earnings.
Smart Use of Technology in Budgeting
Taking advantage of personal budgeting tools can make managing your finances easier. They can help track expenses, create a budget, and set saving goals. Here are some popular options:
You Need a Budget (YNAB): YNAB helps you create a budget and live within your means, educating you on effective money management along the way.
Simplifi by Quicken: This app crunches the numbers to show how much money you have for day-to-day spending after accounting for bills, goals, and savings.
Empower: This free tool offers a comprehensive financial dashboard that includes budgeting features and investment tracking.
Tiller Money: If you want a more manual approach, you can use Google Sheets or Excel to create a customizable budget spreadsheet.
Remember, the best tool is the one you use consistently. Try a few options to see which one best meets your needs and preferences. Every tool has its pros and cons, but all aim to help you control your finances effectively.
Empower Personal Wealth, LLC (“EPW”) compensates Money Bliss for new leads. Money Bliss is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC.
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Access Paychecks Early with Digital Banking Apps
With the rise of digital banking, access to innovative financial tools like early direct deposit has become more accessible, even for those with low incomes. These services can be crucial lifelines between paychecks or in case of emergencies.
Here are a few platforms that offer such services:
Chime: Once you set up direct deposit with Chime, you may get your paycheck up to two days earlier than at a traditional bank.
Current: Current, a mobile bank account, provides users with paychecks up to two days in advance.
Varo: Varo also offers early direct deposit for its users, helping you gain access to your money more quickly.
Clair: Clair’s on-demand pay solution lets you advance a portion of your paycheck before payday. This can be particularly helpful when navigating financial crunches.
It’s important to note that while accessing your paycheck early doesn’t give you extra money, it does provide more flexibility in managing your finances and can help avoid overdraft fees or high-interest loan options in times of need. As with any financial tool, it’s essential to use early paycheck access wisely and not rely on it for regular spending.
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FAQs
Saving money on a low income can seem challenging, but a few strategic changes and smart habits can make it achievable.
Engaging in a money-saving challenge can be a motivating way to encourage disciplined saving, helping you to creatively manage your finances and significantly boost your savings plan over time.
Remember, the key to saving on a low income is to stay consistent, patient, and adaptable in your approach.
Surviving on a low income budget can be challenging, but strategic planning and careful spending can help you manage your finances effectively.
The focus as Dave Ramsey likes to say is on your four walls – food, utilities, shelter, and transportation.
Remember that it’s okay to adjust your budget as you go. Circumstances change, and so should your budget. Review your budget regularly to ensure it’s still working for you and adjust as needed.
Budgeting when you’re broke might seem like an uphill battle.
The key is to make sure you stick to your budget and track your spending consistently. Don’t hesitate to reach out to local charities, government programs, and non-profit organizations for assistance.
Remember, being broke is often a temporary situation, and even small steps towards better budgeting can compound into big changes over time. Try to stay positive and focused on your financial goals.
Now, How do you Survive on a Low Budget?
Surviving on a low income involves careful planning, budgeting, and making the most of available resources. While it may seem challenging, it is indeed possible.
Every small step you take towards frugal living, such as sticking to a budget, reducing unnecessary expenses, or earning extra cash, can lead to considerable savings in the long run.
Remember, it’s also important to invest in yourself – whether that’s asking for a raise at work, learning a new skill, or starting a side hustle.
The journey of living on a low income can be tough, but it also offers an opportunity for creativity and gratitude for the essential things in life. With a positive mindset, some patience, and careful budgeting, you can not only survive but thrive, even on a low income.
The goal isn’t to just get by but to build a financially stable future.
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More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
As far as home décor options are concerned, candles have always been preferred. It is because they are ideal for creating a vibe of serene ambiance while adding some mystic appearance and smelling amazing at the same time. Beautiful votive candle holders, paired with fragrant candles, help in creating a relaxing atmosphere while serving as welcoming.
Image by 🌸♡💙♡🌸 Julita 🌸♡💙♡🌸 from Pixabay
In addition to this, votive candle holders are available in a wide range of shapes and sizes. At the same time, candles of varying fragrances and sizes used individually or in clusters can serve as decorating pieces in several ways.
Votive Candle Holders in Bedrooms and Living Areas
Light some candles on elongated decorative candle holders or place the candles of varying sizes in a cluster, and voila, your place attains a dressed-up look. Look for a perfect corner in your room and place the candle holder suitably to light up your favorite nook.
You can consider placing floating candles in metallic silver or gold hues on console tables, or on a cabinet to create a warm glow while adding notes of freshness to uplift the overall senses. You can also consider adding colorful beads in water to bring about the creative touch. Yet another creative idea is to place fragrant candles in decorative lanterns or brass candle holders indoors for the perfect elegant look.
Image by Агзам Гайсин from Pixabay
Designer Candle Holders on Kitchen Slabs and Dining Table
Candles in transparent glass can appear immensely attractive. Prepare a beautiful, organic atmosphere by keeping candles on the dining table or across decorative mirrors such that they reflect even more elegantly. The presence of crystal or reflective candle holders appears luxe while help in displaying the actual pattern or color on the candles. On the dining table, blend designer candle holders with flower vases, hard-cover books, and you have achieved the perfectly-looking dining table.
Elaborate Candle Holders in Bathrooms
Wish to impart your bathroom an eclectic, decorative touch? Fragrant, designer candles in bathroom décor can make your small space appear aesthetic effortlessly. Group your favorite candles in a candle holder in a corner and freshen up your area in no time.
You can consider using pillar candles in bright hues to add some classic style statements. Candles placed in assorted heights by your bathtub can be the ultimate shining star. Opt for votive candle holders in bathrooms to enhance the overall look.
Creating Candle Centerpieces
Centerpieces in any home décor help in adding a touch of unmatched charm. Whether you are revamping the sofa table or your dining table, you can leverage pillar candles in varying heights and shades, candles in tins, or candles in decorative glass candle holders that complement the overall color scheme. Additionally, you can think of utilizing candles that appear like balls or square-shaped, or even stars to add immense character to the existing space.
Moreover, you can think of placing a tray for framing the centerpiece while finishing the look with decorative pebbles or dried flowers. You can also infuse fragrance to the space by using fragrant candles.
Candles, in the form of dining table centerpieces, appear immensely decorative. At the same time, these also help in adding an inviting feel to the existing space. The entire look is simple to put together and can be easily changed by removing or adding decorative pieces to the arrangement.
Pleasant Porch Lighting and Decorative Candles
A beautiful candle arrangement on a patio table is ideal for your perfect time outdoors. Nothing will beat the vibe of a starry night within the warm glow of the candle as you sip your favorite drink under the moonlight.
Dangling Candle Lights to Elevate Your Home Interiors
Dangling lights in your home décor can infuse a stunning effect to any space. Whether you consider buying them from a store or designing them yourself, you have multiple options. You can also consider purchasing decorative candle lanterns to create the look you want. The idea is not just for interior decoration. You can also consider creating your oasis outdoors with the help of dangling candle lighting.
Window Appeal with Fragrant Candles
Do you enjoy spending your leisure time sitting by the window watching people, reading books, or relishing nature? You can consider adding warmth by placing candles across the window pane. There is nothing more appealing than the warmth of the hanging candles, preferably in decorative candle holders.
Conclusion
Decorative your home beautifully with candles while creating the right ambiance and mood throughout. Explore the distinctive range of exotic fragrant candles and unique candle holders at Pure Home & Living. It is a one-stop destination for exotic and luxurious home décor items and interesting accessories for enhancing your home interiors in no time.
After Rich Engels’ mother died earlier this year, Engels decided to sell her condo unit in Sunrise Lakes Phase 4.
He lined up a buyer, but he said the deal fell apart after the lender learned that the condo building had no wind insurance.
Lenders won’t approve mortgage loans on buildings that are not insured with full replacement coverage.
It’s a growing problem as South Florida condominiums face a perfect storm of rapidly increasing insurance costs, tougher requirements to maintain reserves to cover repairs, and heightened scrutiny of inspections by lenders who rely on Fannie Mae and Freddie Mac, the federally-created guarantors of most U.S. home loans.
Engels eventually sold the condo to a buyer who could pay cash. But he says he settled for $40,000 less than what he was offered by the customer seeking the mortgage loan.
“We were planning to put some of the money away for each of the grandkids and give some to our kids,” Engels said. “I had to break my promise. It hurt a lot.”
an analysis of the new guidelines by the Massachusetts law firm Moriarty Bielan & Malloy LLC.
A list of ineligible properties are available to lenders and real estate agents, but they are not allowed to share it publicly.
“Prior to September, the mortgage companies would ask about the condition of the building and a general response was good enough,” says Ryan Papy, president of Keyes Insurance, an affiliate of Capital Partners Mortgage Services. “Now they want the full inspection and they go through it item by item. A large population of condos in our area do not pass this test and will only be suitable for cash buyers.”
Property managers and associations are still becoming familiar with the process, he said, adding, “Right now, it is chaotic to say the least.”
Reserve study requirement adds pressure on associations
And it comes as associations are figuring out how to comply with new legal requirements for condo buildings three stories or taller to complete Structural Integrity Reserve Studies no later than Dec. 31, 2024.
The study, currently required only in Miami-Dade and Broward counties, must include evaluations of specific structural elements, including the roof, load-bearing walls, foundation, floor, plumbing, waterproofing and fireproofing, windows, electrical systems, and any other item with a repair or replacement cost of more than $10,000 that would negatively affect the structure of a building if not corrected.
The studies will have to identify the remaining useful life of the common areas being inspected and recommend annual reserves that associations must raise to repair or replace the elements.
Effective Dec. 31, 2024, associations will no longer be permitted to waive or reduce funding for the reserve items in their annual budgets, or use reserve funds earmarked for the required structural items for any other purpose.
The studies will reveal more roofs that have reached the ends of their useful lives, along with other damage requiring immediate repairs to keep buildings insurable.
The costs associated with the required studies, along with costs to make required repairs and the rising cost of insurance threaten to make Florida condo life unaffordable for a growing number of retirees, Abramowitz said.
“Obviously something has got to give at some point,” he said.
Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at [email protected].
Real estate professionals from RE/MAX Real Estate Solutions will soon host their 12th Annual Thanksgiving Food Drive to support local community organizations in the neighborhoods where they work and live. This year, the need for help is more significant than ever as the food banks serve more families. Agents will accept food and check donations from October 16th to November 15th, 2023.
Ben Hess and affiliated agents are leading the 12th Annual Thanksgiving Food Drive at each of their three offices. The food drive will benefit local community support organizations in the neighborhoods where the agents work and live:
The North Hills Office of RE/MAX Real Estate Solutions, located at 1014 Perry Highway, Ross Township, PA 15237, supports the North Hills Food Bank. Donations in the form of checks should be made payable directly to the North Hills Food Bank.
The Lawrenceville Office of RE/MAX Real Estate Solutions, located at 4020 Butler Street, Pittsburgh, PA 15201, supports Our Lady of the Angels Food Pantry. Donations in the form of checks should be made payable directly to Our Lady of the Angels Food Pantry.
The West Hills Office of RE/MAX Real Estate Solutions, located at 2000 Cliff Mine Rd, Pittsburgh, PA 15275, supports the West Hills Food Pantry. Donations in the form of checks should be made payable directly to the West Hills Food Pantry.
Agents from the three offices will accept food and check donations from October 16th to November 15th, 2023.
Currently Needed Items:
Orange, Apple, and Cranberry Juice
Canned Black, Garbanzo, Kidney, and Navy Beans
Canned Beets, Carrots, Pumpkin, and Sauerkraut
Canned White Potatoes and Yams
Dry Noodles and Macaroni
Saltines, Ritz or Wheat Crackers, and Cookies
Gravy and Broth in Cans
Manwich, Ketchup, Mayonnaise, Mustard, and Salad Dressing
Plain Tomato Sauce, Paste, and Diced or Crushed Tomatoes
Boxed Potatoes – Scalloped, Au Gratin, or Instant Mashed
Oil, Flour, and Sugar (1 lb. or 2 lb. size)
Cake Mix and Frosting
Jell-O and Pudding
Canned Applesauce (No squeeze, individual cups, or large jars)
Tea and Coffee (Ground – no whole beans or Keurig Cups)
Plain Water – not flavored or sparkling
Toiletries – Hand Soap, Deodorant, Shampoo, Toothbrush/Toothpaste, personal items
Laundry Detergent and Cleaning Supplies (Windex, Comet, Pine-Sol, etc.)
In addition to the Thanksgiving Food Drive, all RE/MAX Real Estate Solutions offices participate in the Children’s Miracle Network “Miracle Offices” Program (CMN). Agents voluntarily donate some of their commissions to CMN, benefiting the Children’s Hospital of Pittsburgh of UPMC. Since 1992, RE/MAX agents have donated over $200 million to Children’s Miracle Network Hospitals®. Every dollar donated stays local.
RE/MAX Real Estate Solutions is a franchise of RE/MAX, LLC, a global real estate organization with over 140,000 sales associates in 115+ countries.
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Mihaela Lica Butler is senior partner at Pamil Visions PR. She is a widely cited authority on public relations issues, with an experience of over 25 years in online PR, marketing, and SEO.She covers startups, online marketing, social media, SEO, and other topics of interest for Realty Biz News.
BURLINGTON — A new home decor and gift shop has opened in downtown Burlington.
The Wildflower on Front offers a wide range of items, including home accessories, table decorations, candles, wall hangings, jewelry, garden items, flags and more. The Wildflower on Front, 243 E. Front St. is fully stocked for the season with Christmas trees, wreaths, ornaments, holiday table decor, holiday scented candles, garlands and more.
ResidentShield offers renters insurance in most U.S. states.
No credit check required to get a policy.
Your rate won’t go up if you file a claim.
Bedbug coverage may be available.
Animal liability coverage may be limited.
ResidentShield
ResidentShield offers renters insurance in most U.S. states.
No credit check required to get a policy.
Your rate won’t go up if you file a claim.
Bedbug coverage may be available.
Animal liability coverage may be limited.
ResidentShield isn’t an insurance company. It’s an agency that works with third-party insurers to find you a renters policy, with availability in most U.S. states.
ResidentShield partners with certain apartment communities across the country. If you live in one of those communities, the company will make your life a little easier by prefilling certain parts of your application. But you don’t need to live in a partner complex to get ResidentShield renters insurance.
Policies from ResidentShield stand out in a couple of ways. First, the application process doesn’t involve a credit check. That’s useful for renters with poor credit, who generally pay higher renters insurance rates in most states.
Second, ResidentShield promises that your premium won’t go up if you file a claim. That’s a rare perk in the renters insurance industry.
But pet owners will want to take a close look at ResidentShield’s animal liability coverage, which may fall short of what you’d find elsewhere.
Why doesn’t this company have a NerdWallet star rating?
We make every effort to rate each company we review. However, we’re sometimes unable to provide a NerdWallet star rating for insurers that work with multiple third parties to underwrite their policies. That’s because the quality of the policy you get may vary depending on the coverage options, financial strength and other factors of each separate underwriting company.
Why you can trust NerdWallet
State availability
ResidentShield sells renters insurance in Washington, D.C., and every state except for Alaska and Hawaii.
ResidentShield renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
Type of coverage
What it does
Covers your clothing, furniture, electronics and other belongings.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Pays out if you’re responsible for injuries to other people or damage to their property.
Covers injuries to other people in your home, regardless of fault.
One nice feature of a ResidentShield policy is that it covers your personal belongings on a replacement cost basis. With this type of coverage, the company will pay you enough after a claim to buy new replacements for damaged or stolen items.
Some renters policies pay only the actual cash value of lost items, which reflects depreciation. Because things like furniture and electronics tend to lose value over time, having actual cash value coverage means your claim payout could come up well short of what you need to buy new items.
Depending on where you live, you may be able to add some or all of the following to your policy:
Water and sewer coverage, which pays for damage to your belongings if a water line or sump pump backs up into your home.
Pet damage coverage, which pays to repair things like carpet stains or scratch marks from your furry buddy.
Extra animal liability coverage for medical and/or legal expenses if your pet injures someone or damages their property. (The personal liability coverage included with your policy may be limited for scenarios involving animals.) Learn more about dog liability insurance.
Equipment protection coverage, which pays for physical damage to laptops, phones and other electronic gadgets.
Tenant damage coverage, which pays for property damage you cause to your rented house or unit.
Earthquake coverageto repair or replace your belongings after an earthquake (available in California only).
Discounts
ResidentShield offers a discount of up to 20% for renters in a senior living community. You may also be able to save money by paying your renters insurance premium in full, rather than in installments.
Consumer experience
Website: You can use the ResidentShield website to get a renters insurance quote, file a claim or see basic information about the company’s policies.
Claims: You can file a claim online or call 800-822-2997. According to the company, your premium won’t go up after you file a claim, which is unusual in the insurance industry. Rates typically go up nearly 19% on average after a renters insurance claim, according to NerdWallet’s rate analysis.
Customer service: For support, email [email protected], call 800-566-1186 or use the company’s chat feature, which offers both automated and live assistance. Customer service is available on weekdays from 7:30 a.m. to 7 p.m. CT.
Where ResidentShield stands out
Replacement cost coverage for personal belongings. Many insurance policies charge extra for this type of coverage, while ResidentShield includes it.
No penalties for poor credit or prior claims. Renters with a patchy credit history or a past insurance claim often pay more for their policy. That’s not the case with ResidentShield.
Where ResidentShield falls short
Animal liability coverage. Most renters insurance covers dog bites and other animal liability claims up to your full personal liability limit (often $100,000). But many of the quotes we got from ResidentShield had lower levels of animal liability coverage, such as $10,000, unless we were willing to pay extra. The average cost of a dog bite claim was more than $64,000 in 2022, the most recent data available, according to State Farm and the Insurance Information Institute.
Availability in Alaska and Hawaii. Renters in these states will need to look elsewhere for coverage.
Current Product
Complaints to NAIC
No data
Complaints to NAIC
Close to expected
Complaints to NAIC
More than expected
Coverage options
No data
Coverage options
More than average
Coverage options
More than average
Discounts
No data
Discounts
Great set of discounts
Discounts
Average set of discounts
Bottom line
ResidentShield offers renters insurance in most U.S. states.
Bottom line
Renters insurance coverage with a few useful add-ons.
Bottom line
Straightforward policies from a tech-centric, mission-driven company.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Frequently asked questions
What other types of insurance does ResidentShield offer?
ResidentShield doesn’t sell any other types of insurance (such as auto insurance), so it’s not a good bet if you’re looking to bundle your policies. However, it does offer one other service to renters: an alternative to a traditional security deposit. Instead of paying a large security deposit that you get back when you move out, you can pay a smaller, nonrefundable amount to reduce your move-in costs.
Can I include my roommate on a ResidentShield policy?
How much is ResidentShield renters insurance?
ResidentShield advertises policies starting at 43 cents a day, which adds up to about $157 per year or $13 per month. Find out the average cost of renters insurance in your state.
MOUNT PLEASANT — A large East Cooper home decor store plans to turn out the lights about 16 months after opening in a former farm-to-table food emporium.
Heavens Marketplace is set to close by Dec. 15, darkening a 10,000-square-foot shop at 2521 Highway 17 where the former Boone Hall Farms Market once operated, according to co-owner Sonya Pacera.
“It’s pretty devastating,” she said. “I guess we will regroup.”
Pacera noted sales were good last fall after the store opened in September, but they dropped off during the winter and never picked back with the arrival of warm weather this year.
She attributed the decision to close to people having less money because of inflation, the location that doesn’t allow left turns onto Highway 17 to exit the site and the size of the building.
“It’s just too large,” she said, pointing out she and her husband, Frank, tried to sublease part of the building to other parties in recent months but were unsuccessful.
The shop offers home decor, ladies fashions, accessories, faith-based products and some furniture that doubles as display tables. Items are marked down 25 percent to 80 percent throughout the store.
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Heavens Marketplace opened last year after the Paceras decided to expand the business down the coast from their Myrtle Beach locations, then at Tanger Outlets but now at Barefoot Landing.
They had originally planned to open in a 4,500-square-foot space in Tanger Outlets in North Charleston, but were told in February 2022 the space would be temporarily unavailable.
The couple began looking elsewhere and walked through the former Boone Hall retail store in March 2022.
At the time, Pacera thought the cavernous building with exposed wooden pillars was too large and expensive, but he said it had “a farm-homey-type feel to it” and his wife liked it.
The Paceras also ran into a snag when they decided to move to the Charleston area. Their business in Myrtle Beach was originally called Haven’s.
Another Haven’s home furnishings store already exists in Mount Pleasant, so they formally changed the name to Heavens, brought in some religious items and functions and played Christian music throughout the store.
The former building occupant, Boone Hall Farms Market, closed in January 2020 after 14 years of operating a short distance up Highway 17 from its expansive farming operation in the heart of Mount Pleasant. The farm recently opened Willie’s Roadside Market, an open-air, barn-like structure named for the late Boone Hall owner Willie McRae.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
Yes, it’s possible to get a credit card without a job, although you’ll usually still need a source of income. This could come from excess financial aid, Social Security, a spouse’s income, or other avenues.
Yes, you can get a credit card without a job—and sometimes, even with low credit. Life transitions, college, retirement, and many other life circumstances may mean you’re unemployed when applying for a credit card. Building and maintaining healthy credit is important during every stage of life, and you may be surprised how simple it is to obtain a credit card even if you aren’t earning a consistent wage.
From using alternative incomes to cosigning and more, here are four tips for how you can get a credit card with no job.
Table of contents:
1. Consider all forms of income
2. Leverage someone else when applying
3. Go for a secured credit card
4. Make sure you can pay your balance
FAQ
1. Consider all forms of income
Ultimately, lenders care more about your income than they do about your salary. This means that qualifying for a credit card—even if you aren’t receiving a consistent wage—is completely feasible. Consider all income you have access to when applying for a credit card, no matter what stage of life you’re in.
If you’re a student
When you’re applying for a credit card as a student without a job, you can report any extra student aid that isn’t going toward tuition as “income.” This may help you qualify for a credit card.
If you have an employed spouse
Thanks to the Credit Card Act of 2009, those who are over 21 can report household income that they have access to when applying for a credit card. This means that you can report your spouse or partner’s income if you have a joint bank account or if they transfer an amount of money to you every month.
If you’ve lost your job
After losing a job, you’ll want to avoid overextending your budget. However, a credit card can still be a useful safety net in case of an unforeseen situation when funds are tight. You can report unemployment and severance as income when applying.
If you’re retired
You may also report any non-wage income when applying for a credit card. If you’re not working, this could be interest, dividends or Social Security payments. Ideally, retirees have had a long time to build up a solid credit history, so getting qualified for a credit card shouldn’t be difficult.
2. Leverage someone else when applying
We all need a little help from time to time. If they’re willing, friends and family with good credit may be able to cosign or add you as an authorized user on their credit card.
Have someone cosign
Although it’s a big favor to ask someone, having a parent or trusted close friend cosign on a credit card is a great way to qualify if your own credit history isn’t sufficient. If you choose this route, it’s doubly important that you make on-time payments each month—otherwise, you jeopardize both your own credit score and your co-signer’s.
Become an authorized user
If you still live with your parents, you may want to consider asking them to add you as an authorized user on their card. You can then use their credit card to make purchases and pay them the amount you spent. Although the card won’t be yours, as long as the primary cardholder makes consistent payments, the effects to your credit score will likely be positive. This option is best for those looking to build credit—but if you’re looking for a card of your own, a secured card may be better.
3. Go for a secured credit card
If you’re unable to meet the criteria to qualify for an unsecured credit card, you may want to explore secured options. Although uncommon—secured cards make up less than one percent of all consumer credit cards—they’re a great place to start.
A secured credit card is a card with relatively small maximums that borrowers can qualify for with a refundable safety deposit. The creditor may then use the deposit as collateral in case you are unable to pay back the balance.
New borrowers, those with poor credit or those without a steady income may find it easier to qualify for unsecured credit cards, as they’re seen as less risky by lenders. Two common secured credit card options are:
Discover It Secured Card: There’s no annual fee, and you get two percent cash back at restaurants and gas stations and one percent back everywhere else.
Capital One Secured Mastercard: A deposit as low as $49 gets you a credit limit of $200, and you are eligible for higher credit limits in as little as six months.
4. Make sure you can pay your balance
Remember that if you’re applying for a credit card without a job, you must be able to pay off the balance. Avoid getting into a borrowing situation that will cause you to carry over a large balance month to month, as credit card interest can get expensive.
Additionally, if you’re in college with student loans, credit card debt can be an extra burden on your debt load. In fact, a 2021 report found that credit card debt was the number one source of financial stress for college students, even above student loan debts.
As long as you don’t charge more than you can afford, unemployment doesn’t have to be a barrier to credit building. By ensuring a responsible, on-time repayment plan, you’ll set yourself up for credit success early on.
FAQ
If you have other questions about getting a credit card while unemployed, check out our answers to these commonly asked questions.
Does unemployment affect your credit?
Unemployment does not directly affect your credit. While your credit report does include your repayment history, it does not include your income, employment status, or whether you’ve filed for or received unemployment. If you need to apply for unemployment during hard times, don’t feel like you can’t.
However, if your job loss results in missed payments or overutilizing your credit card, these things could affect your score.
What’s a good annual income to get a credit card?
This depends on the issuer. While income won’t appear on your credit report or affect your credit score, issuers are still legally required to ask applicants their income per the Credit Card Act of 2009. This helps ensure credit borrowers can repay their debts. However, issuers set their own credit application requirements, and no total gross income limit for credit cards exists.
Remember to only borrow what you can reasonably repay. If you’re applying for a credit card with no income of your own, consider alternative solutions, like becoming an authorized user on a spouse’s credit card.
What disqualifies you from getting a credit card?
Credit card application approvals are at the issuer’s discretion, but generally, you must be at least 18 years old to open an account under your own name. Between 18 and 21 years old, you’ll also need to provide proof of independent income or have an adult cosign. Otherwise, issuers can set their own income, credit score and other requirements.
Can students get a credit card with no job?
Yes! Students who receive financial aid in excess of their tuition costs can count this extra money as income on their credit card applications. If this isn’t enough to qualify, students can also ask their parents to cosign on the credit card application—or add them as an authorized user to a family card.
What should I put on my credit application for my occupation if I have no job?
You can simply enter homemaker, stay-at-home parent, or none. Remember, you don’t need a job to get a credit card, so being honest here won’t disqualify you. The same thing goes if you come to a question about your employer information: just be honest and put none.
For more ways to improve your credit, especially if you have questionable negative items on your credit report, learn more about the services at Lexington Law Firm—including how credit repair works.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Paola Bergauer
Associate Attorney
Paola Bergauer was born in San Jose, California then moved with her family to Hawaii and later Arizona.
In 2012 she earned a Bachelor’s degree in both Psychology and Political Science. In 2014 she graduated from Arizona Summit Law School earning her Juris Doctor. During law school, she had the opportunity to participate in externships where she was able to assist in the representation of clients who were pleading asylum in front of Immigration Court. Paola was also a senior staff editor in her law school’s Law Review. Prior to joining Lexington Law, Paola has worked in Immigration, Criminal Defense, and Personal Injury. Paola is licensed to practice in Arizona and is an Associate Attorney in the Phoenix office.
GLOVERSVILLE, N.Y. (NEWS10) — 44 Lakes Customized Gifts and Décor opened on November 1 at 15 North Main Street in Gloversville. The shop is having a ribbon cutting ceremony on November 4 from 11 a.m. to 3 p.m.
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The gift shop is owned by Denise Dickson and Kimberly Walter. The business sells customizable local items, as well as holiday décor, woodworking, skin care products, handmade blankets and scarves, and more.
44 Lakes Customized Gifts and Décor will be hosting workshops, including building snowmen on November 10 and 11. The grand opening includes meeting the different vendors, free refreshments, and face painting.
Flannel Fest returning to the Empire State Plaza
The gift shop is open Wednesday through Saturday from 10 a.m. to 6 p.m. For more information, you can call the shop at (518) 775-8634.