This guest post from Michelle Russo is part of the “reader stories” feature here at Get Rich Slowly. Some reader stories contain general “how I did X” advice, and others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all levels of financial maturity, and with all sorts of incomes. This story is perfect for Memorial Day weekend, which kicks off the summer holiday season in the U.S.
I’ve traveled the continental United States, sampling a wide variety of cuisines, and I can say without reservation that the best meal I’ve ever eaten was a hamburger at a fast food chain just outside Mount Rainier National Park. But in all fairness, I’d spent the past nine hours climbing a mountain, the granola bars were long gone, and I was beginning to see spots.
Twice I’ve spent a month driving across the country, from Philadelphia to San Diego and back. I’ve logged over 20,000 miles, and I’ve seen more during that time than all the rest of my vacations combined. I’ve also done it for less than $2,500.
If your idea of a vacation involves a pillow-top mattress and spa treatments, this isn’t the trip for you. But if you don’t mind sacrificing a bit of comfort for the sake of adventure, here’s how to do it.
Logistics aren’t Easy
A month-long trip is a luxury in time alone. My teacher husband had no issues, but the majority of us will need to do some finagling. First, I saved all my paid time off for two years. This meant no holiday breaks, no long weekends, nada. Second, I approached my boss with a three-month plan: a detailed list of what I would accomplish leading up to the vacation, what needed to be done while I was gone, and where I would pick up upon my return. Bullet points listed resource materials, contacts, and due dates for each project. Because she could see that I would be working ahead of schedule and understand how to manage in my absence, she was open to the idea.
Online bill pay was invaluable, and checking our credit card site on the road helped us adjust our spending as we went. Snafus like underestimating gas usage were immediately obvious and easily managed by cutting costs elsewhere to stay on track. To keep receipts organized, we categorized them and mailed them home every few days.
Love Your Car
You will become intimately acquainted with your vehicle during this trip, so start off right. Check it thoroughly, and spring for a professional inspection if you aren’t mechanically inclined. Remember that you will be driving through vastly different climates and elevations. Are your tires up to it? Change the oil before you leave, and be prepared to change it again during the trip. When you’re logging hundreds of miles a day, your maintenance plan accelerates quickly.
Realize, however, that you can’t account for everything. In Oregon a strange wobbling made us stop for a check-up. We learned that our mechanic hadn’t balanced the tires when installing them—something we thought was common sense. They were worn through to the cord in several places and had to be replaced immediately. That was a $165.84 bill we hadn’t anticipated, and we had to cut several destinations off our list to make up the cost.
Tell the Nice Credit Card People
Most of us are creatures of habit. We go to the same stores and spend roughly the same amounts from month to month. If you suddenly start logging transactions all over the country, your credit card company may wonder who made off with your wallet. Call them before the trip and ask them to note that you will be traveling extensively in the near future. It’s better than sleeping at a gas station because the 24-hour pump rejects your cards and there’s no one around for miles. Not that I would know.
If you’ve been thinking about researching rewards credit cards, now is a great time to follow through. Gas cards will probably be most profitable, but make sure you aren’t locked into a single company that has limited availability.
Pack Lighter Than You’ve Ever Packed Before
Everything you put in your car is taking up room you could be using, and creating weight that affects your gas mileage. Gas will probably be your most expensive category on this trip, and a month’s worth of supplies hauled across ten thousand miles adds up. On the first trip, we borrowed a rooftop cargo carrier, which acted as a drag parachute and dramatically affected our gas mileage. On the second trip we fit everything into my two-door coupe, cutting our gas total from $928.77 to $736.73.
Use multi-tasking and unisex health and beauty products, and streamline your routine. Avoid liquids whenever possible: several specialty chains offer shampoo in bar form. Wear basic clothing that can be mixed and matched, and layer in lieu of bulky coats. Suitcases themselves are often heavy, so consider lighter options like duffel bags. We used ten-ream paper boxes: they’re lightweight, strong, and stackable.
One heavy item you can’t do without is quarters. Packing a month’s worth of clothes is impractical, both financially and spatially. Laundromats will keep your load manageable. Coolers are another heavy item that will save you cash. Grocery stores always have sandwich ingredients and snacks, and will help you avoid overpriced gas station goodies and fast food. Buy reusable cold packs to cut down on the amount of ice you’ll need. These also come in handy in case of hiking mishaps with clumsy people. Ahem.
This ain’t the Ritz
Rest stops don’t have chocolates on the pillows. Campsites don’t have turndown service. If you want to stretch every cent, you have to get used to the idea that hotels are not your friends. You’re paying for a place in which to be unconscious. A relaxing vacation has its place—there’s nothing like waking up late and sitting poolside in a foreign land. On a trip like this, though, you’re balancing comfort against experiences. Every bed you sleep in cuts a slice out of your destinations. Only you can decide on the ratio that makes it worthwhile.
We stayed in hotels about six nights of each trip, totaling $559.51 and $446.91, respectively. We gave in only when we couldn’t take it anymore and needed a bit of civilization (and plumbing). As nature buffs, we weren’t overly concerned with what the moose would think of our hat heads and wrinkled tee shirts. Someone planning to spend time in urban areas will probably want more access to hair dryers and ironing boards.
Plan in Excruciating Detail — Then Throw it Out the Window
Every time we thought we knew exactly where to eat or what to see, fate threw us a curveball. Mount Rushmore was crawling with bikers in town for Sturgis, and prices for everything had tripled. Mesa Verde was undergoing extensive roadwork, and our quick drive through turned into hours of gridlock. Glacier National Park was on fire, and thus not good for hiking. Or camping. Or breathing.
Learning to roll with the punches resulted in some of the best memories of each trip. After finding a well-reviewed California restaurant closed for renovations, we drove down the coastal highway and stopped at a little Mexican dive barely hanging onto the cliffs overlooking the ocean. I don’t know what it was called or how to get back there, but the food was amazing and the scenery was one of a kind. I’ll never forget it.
You’ll be Surprised
When we tell people about living out of our car during our trips, the most common response is “Ewwwwwww”. Reclining in the driver’s seat isn’t the most restful night you’ll ever spend, but I guarantee that your encounters will make up for it. There’s nothing like opening your eyes to the sight of the sun rising over Little Big Horn, or being woken by the rustling of an elk and her calf grazing just ten feet away. Immersing yourself in the spirit of the road trip will bring you closer to your destinations in a way you never anticipated, while also freeing up enough cash to make the trip truly memorable.
While we’ve come a long way since housing bottomed, the memories of how we got there still don’t feel very distant.
A lot of things contributed to the complete breakdown of the real estate market, with exotic financing being one of them.
So it’s no surprise that the new hot trend of “1% down mortgages” is now coming under the microscope.
Update: UWM has re-launched the 1% down payment mortgage.
Freddie Mac Is Changing the Rules Pertaining to 1% Down Mortgages
While 1% down mortgages have been all the rage lately
Freddie Mac is cracking down on the higher-risk home loans
Requiring a minimum 3% borrower contribution
That can’t come via the transaction itself via lender credits, points, etc.
Over the past couple years, many large lenders have introduced home loan programs that require just 1% down from the borrower, including big names like Quicken, Guaranteed Rate, Guild Mortgage, and even wholesaler United Wholesale Mortgage.
In fact, just this week another lender joined the party, Garden State Home Loans, giving home buyers in Connecticut, Florida, New Jersey, and Pennsylvania the chance to achieve the American Dream with just a 1% down payment.
As far as I can tell, most if not all of these programs rely upon Freddie Mac’s Home Possible Mortgage program, which is its 97% LTV offering.
However, it turns out that some lenders may have taken it a little too far because Freddie Mac doesn’t seem comfortable with their interpretation of the program.
Last week, Freddie Mac released a bulletin pertaining to lender gifts and grants on Home Possible Mortgages (their 3% down program) that is effective November 1st, 2017.
Basically, they’re revising their guidelines for Home Possible Mortgages to require a 3% borrower contribution that isn’t funded through the mortgage transaction.
Specifically, Freddie notes that the down payment money can’t come from “differential pricing in rate, discount points, or fees.”
So it sounds like some of these programs offered the 1% down option in exchange for a higher mortgage rate, kind of like how a lender credit allows borrowers to pay nothing out of pocket in the way of closing costs.
A borrower may be able to put less down, but they could wind up with a higher mortgage rate as a result.
Some may say there’s nothing wrong with that – heck, you see it on mortgages where borrowers put less than 20% down too.
But Freddie seems to think this practice is skirting the rules, or perhaps taking advantage of a loophole, and thus they’re closing it in the coming months.
That could mean that some (or all) of these 1% down mortgage programs will fall by the wayside, but that remains to be seen.
In any case, Freddie will still allow gifts or grants from the seller as the originating lender, but only after a minimum contribution of 3% of the value (lesser of the appraised value or the purchase price) is made by the borrower.
What This Means for You
While 1% down home loans may still be available via other avenues
It does mean it’ll get more difficult to obtain one going forward
This means having down payment funds at the ready is imperative
Especially in today’s competitive housing market where multiple buyers bid for the same property
These 1% down programs may not be done entirely, but the lenders offering them could have to figure out a new way to offer such financing. Or do it without Freddie Mac.
In the meantime, it might be advisable to set aside enough money to cover a 3% down payment, which is still a pretty small amount to put down on a home.
It’s a slightly smaller requirement than what the FHA calls for (3.5%), making it one of the most flexible loan programs around, even without the gift/grant money.
Furthermore, you pay for the privilege of putting down so little, often in the form of a higher mortgage rate and/or mortgage insurance, so consider that when deciding on an appropriate down payment.
It could make financial sense to put down more on a home if you have the means, and it could also help you secure a winning bid with all the competition in today’s housing market.
Read more: 3 ways a low down payment raises your mortgage payment
Family travel is a whole other ballgame. The strategy, gear, planning, expectations and number of times you may answer “Are we there yet?” make it an entirely different sport than solo or adults-only trips.
While traveling with kids is arguably quite different than taking a trip without a child (notice we didn’t call it a “vacation” with kids), it doesn’t have to be intimidating. In fact, there are countless ways to experience memorable moments and make lifelong memories with your kids, whether you hike the mountains of Machu Picchu or ride the newest coaster at Disney World.
Related: TPG’s 10 top family vacation destinations
To make the journey a little easier, we’ve compiled our 43 favorite family travel tips. Whether you’re traveling with infants, teens or some of both, these tried-and-true tips are bound to ease travel headaches and ensure your family travels are as fun and carefree as possible.
Travel tips for infants and toddlers
Having a baby does not mean the end of your time as a traveler. It may cause you to temporarily pause your adventures, and it will certainly change how you travel. But traveling with a baby is still worth the effort.
While it’s true that your baby may not remember the details of your trips during the first few years, quality time together is invaluable. You will always remember their first big vacations.
Some travel is often easier with a small, snuggly baby than with a growing, active toddler, so don’t be afraid to plan something while your little one is still young.
Use the right travel stroller
If you plan on traveling with a stroller, you want one that is lightweight and easy to maneuver through the airport or rough terrain, if necessary, once you reach your destination.
Related: These are the 13 best travel strollers for your next trip
Sign up for our daily newsletter
If you choose to gate-check your stroller, foldability isn’t as important. Instead, prioritize protecting your stroller from dirt and damage by investing in a stroller with a bag. For long layovers, you can request to have your gate-checked stroller delivered to you between flights so that your baby has a safe and comfortable place to rest while you navigate the airport. Just ask the gate agent when you check your stroller.
Baby-wear
To keep your hands free and your baby snuggled, you may choose to baby-wear through the airport or on a flight (though most airlines don’t allow it during takeoff and landing).
The Transportation Security Administration rules state that infants may be carried in a sling or carrier while going through the walk-through metal detector, so you shouldn’t have to remove them for security — at least, according to the rules.
If it’s not too hot, baby carriers and slings also come in handy at theme parks, which allow baby-wearing on many family-friendly attractions. Just be sure you ask about safety restrictions before you ride.
Breastfeeding mamas should consider carriers that allow easy access for on-the-go nursing, such as those in sling or wrap styles.
Consider a Doona
If you don’t want to lug both a car seat and a stroller and your baby weighs between 4 and 35 pounds, you’re in luck: The Doona can serve the function of both. It transforms very easily from a stroller to a car seat and back again, all while your baby is strapped in.
Because of their convenience, Doonas are great for flights, cab rides, Uber rides and, frankly, any part of your busy life with a baby.
Think twice about flying with a lap infant
Most airlines allow children younger than 2 to fly as lap infants instead of purchasing separate seats for them.
The cost savings can be hard to pass up, and during those early months when the little one is nursing or sleeping a lot, it can be the easiest way to go. However, if your baby is fussy or you are flying solo, you may feel more comfortable keeping them in their car seat. If they can sleep through anything or you have someone you can split baby-care duties with, you may have more success flying with a lap infant.
If you do purchase a seat for your baby, there are dozens of portable car seats out there that are much easier to travel with than the bulky car seat you may have at home.
Get a car seat just for travel
The Cosco Scenera is a perennial favorite when it comes to travel car seats. At around 10 pounds and only $50 to $60, this car seat is a winner for travel when you need something easy and affordable. It’s rated for rear-facing little ones weighing between 5 and 40 pounds or forward-facing kiddos weighing 22 to 40 pounds.
Another model to consider is the WAYB Pico portable car seat, which was recommended by several TPG readers.
Use a car seat on the plane
Every kid is different, but if your little one sleeps well in a car seat in the car, they may do the same on a plane. If your kids are generally comfortable in car seats and have their own seat assignments on the plane, consider bringing the car seat on board for a secure flight experience.
Related: Car seats that are airline approved
Bring a Boppy pillow if you’re holding an infant
TPG’s senior director of engineering Mitchell Stoutin recommended using a Boppy nursing pillow for long flights with an infant. In addition to being handy for nursing, it gives your baby a comfortable place to rest. He also advised stashing your Boppy in a vacuum Ziploc bag to save space when not in use.
Sign your kids up for frequent flyer programs
Once you make the transition to buying your child a seat — either because they turn 2 or because you think having a separate seat will work best for your family — sign them up for a frequent flyer account and let the miles start rolling in.
No minimum age requirements exist for kids, so enroll them while they’re young to maximize their earnings.
Related: Earning frequent flyer miles for your kids just got a little easier
Board last
Most airlines let families with young children board early in the process, but as long as your family has assigned seats, you don’t need to worry about rushing to board before others.
Instead, have one parent get all the gear ready and board first while the other waits as long as possible before bringing the baby on board. This will help minimize the amount of time you have your little one in tight quarters, reducing the likelihood of a meltdown or further disrupting their schedule.
Pack your carry-on strategically
Think about everything you may need to easily access for yourself and your baby before organizing your carry-on. That way, you don’t forget any of your must-have items or struggle to find them while on board.
Consider packing food, diapers and extra outfits for at least twice as long as you think you’ll need them for your little one while in transit. Don’t forget to also bring clothes, snacks and drinks for yourself so you have everything you need.
As a general rule of thumb, it’s a good idea to have enough essentials to survive at least 24 hours off of what you bring on board, as you never know what is going to happen.
Bring large Ziploc bags and black trash sacks
Avoid packing a suitcase without tossing in a few Ziploc bags, grocery bags or trash bags. They can be used to stash snacks and store wet or dirty clothing.
As TPG executive editor Scott Mayerowitz shared, large black garbage bags can also work as blackout shades in a pinch.
Related: The best family beach vacation destinations to kick off summer
Find a space in your hotel for the baby to sleep
In the best-case scenario, you’ll have accommodations with at least two bedrooms so your baby has a dark, quiet place to sleep while you relax without disturbing them. However, there are times when having multiple rooms isn’t possible.
If you only have one bedroom, try putting a crib in a hotel closet or bathroom to achieve the same result.
Travel with gear that will help your baby sleep in the hotel
When it’s time for the baby to sleep, there are numerous sleep tents, shades and white noise machines to choose from. Here are a few of our most trusted options:
You don’t always need to buy new gear for a successful trip, though. One reader suggested using painter’s tape to cover outlets as a quick, cost-effective way to baby-proof your hotel room.
Related: These are the best New York City hotels for families to check out
Have diapers and essentials shipped to your final destination
While you need plenty on hand for that first day or two, you can purchase what you need from Amazon and have it shipped directly to your destination instead of traveling with an entire week’s worth of needed items like diapers and wipes.
Alternatively, you can use a service like Shipt or Instacart to have essentials delivered to your hotel or home rental after you arrive.
Pack the snacks
This is true for all ages but especially applies when traveling with infants.
Don’t ever assume anything baby-appropriate will be available while you are in transit. The last thing you want is the stress of scrambling to find what you need at the last minute.
To avoid this potential headache, pack enough formula, snacks and more so you have whatever your little one may need to stay happy and content.
Related: How to pack — and prepare — for travel with a baby
Travel tips for preschoolers
The good news is that when kids are old enough for preschool, they don’t need quite as much sleeping and transportation gear.
With preschoolers, you’ll want to pay particular attention to toys and activities that will keep them entertained, night lights that will help keep the “scaries” away and a few other important travel essentials.
Bring mess-free toys
When choosing toys to pack for a flight or road trip, keep in mind that you don’t want anything that will create a mess or get lost easily, such as Legos or slime.
For mess-free coloring, we love Crayola Color Wonder Markers and coloring pages. If you’re taking a long flight or road trip, consider suction toys that can stick to a car or airplane window.
Related: 14 mistakes parents make when traveling with kids
Pack hidden toys to reveal during your trip
A surefire way to keep your child content for extended periods of time is to hide some toys until your travel day arrives so they feel new and exciting. You can even wrap them up or dole them out periodically throughout your trip — we recommend packing one toy for each hour of a flight — to add an element of surprise.
Try visiting a dollar store or dollar aisle in a store to dial up the surprise factor. Trust us, the $5 investment will pay off in spades.
Related: Your guide to flying with kids of every age
Consider an inflatable booster seat
If your child has graduated to a booster seat (congrats!), there are inflatable and fold-flat booster seats available that are easier to haul when traveling by car.
While there are several options currently on the market, the BubbleBum inflatable booster seat is a TPG reader favorite.
Use a stroller
Should you find yourself covering lots of miles on your trip, having a stroller can come in handy, even if you don’t normally use one at home.
For example, at a large theme park like Disney World, you may find yourself needing a stroller until your kid is 6, 7 or even 8 years old if you are moving quickly and want them to easily keep up (or if you know they will fall asleep before you are ready to call it a night). This may mean renting one when you get there, though you may prefer to have your own if you’re doing more than spending time at Disney.
Get stroller straps
Because it isn’t socially acceptable to AirTag children (though they do come in handy for finding lost luggage), we instead suggest getting stroller straps that bigger kids can hold on to while you push younger children in the stroller. We’re particularly fond of the Tagalong Stroller Accessory.
Preschedule car service from the airport
If you need car seats or want to be sure you have a ride waiting for you when you land, Uber and Lyft now both have options for prescheduling a ride if you need one.
While the best service depends on where you are going, one option to try is Blacklane. Consider having your driver meet you inside at baggage claim if you’re traveling with a lot of gear.
Pack a night light
For kids who are afraid of the dark, night lights may come in handy. This affordable nightlight is small, sleek and easy to pack.
If you are going on a cruise and don’t have access to traditional power outlets, TPG senior travel editor Erica Silverstein suggests bringing along battery-operated tea lights instead.
Travel somewhere with a kids club
A magical milestone in travel is when your child turns 3 and is potty trained, as this unlocks access to a variety of kids clubs.
Whether you’re on a Disney cruise (like the new Disney Wish cruise ship, pictured below) or at a resort with a kids club (some of which are free to use), children’s clubs are great for preschoolers.
By going somewhere that caters to younger children, you’ll be able to get a well-deserved break while the kiddos are taken care of.
1 of 5
SUMMER HULL/THE POINTS GUY
Plan down days and afternoon rest
Even if your preschooler has dropped daily naps at home, it’s still smart to build some downtime into your vacation schedule. This is especially important because it’s likely that their sleep schedule will be a little off while you’re traveling and that your vacation will be more action-packed than what they’re used to at home.
To help your overtired kid adjust, plan a relaxing pool day or take an afternoon break in your hotel room to keep crankiness at bay.
Travel tips for elementary-age kids
As kids get older, they can do more while on vacation with less help, but the tried-and-true tricks for keeping them entertained may no longer work.
Because their brains are developing and becoming more complex, elementary-age kids will need to have access to more activities while they’re away from home. As a result, you’ll need to adjust your strategy for vacations so they continue to have a good time.
Use packing cubes for the family
This tip applies to all age groups but can be especially helpful when your child starts taking more of an interest in choosing their own clothes. By relying on packing cubes, you can keep clothing for every member of your family organized while saving space.
If you decide to use packing cubes, there are a couple of good methods to choose from.
You can have a packing cube for each day of your trip and put your family’s clothing for each day in one cube. This works well if you will be making multiple stops and don’t want to pack and unpack everything.
You could also pack each family member’s clothing in a separate packing cube, which is helpful when you are encouraging kids to get dressed on their own and choose their own outfits.
Leave 1 day free in the schedule
We’ve already covered the importance of leaving some flex time in the afternoons, but if you are traveling for more than a long weekend, we highly recommend leaving an entire day unscheduled. That way, the kids can either rest and chill or you have the ability to say yes to something they spot along the way.
Depending on your child’s interests, you may want to use your free day for activities like splashing around at a water park, checking out some animals at a zoo, enjoying an epic ice cream-tasting adventure or spending more time at the kids club.
The key is to leave this day flexible so you can cater some activities to what your kid is enjoying the most.
Take advantage of your hotel’s club lounge
Club access can be invaluable when traveling with kids.
If you stay in a club-level room at a hotel, you’ll often have daily access to breakfast, snacks and drinks. An added bonus is that the club can serve as a gathering spot for enjoying more time (and often gorgeous views) with them.
Related: Can you use a World of Hyatt club lounge access award for someone else?
Plan trips with another family
This is the age where having other kids around really starts to matter.
If at all possible, try planning the trip to at least overlap with time spent with cousins or friends. Doing so will virtually guarantee the kids will have a better time, which means you will, too.
For these types of trips, you may want to look into finding a good vacation home rental.
Related: Why the best big family vacation may be skiing
Travel tips for tweens and teens
Traveling with tweens and teens is completely different than traveling with younger kids — something you probably know all too well if you are currently living with them.
At this age, kids are well on their way toward becoming full-fledged adults. As a result, they deserve a taste of the space, privacy and independence that comes along with adulthood.
Build an activity bag
It’s easy to assume the phone will do the trick, but TPG editor Kristy Tolley is a proponent of custom activity bags to keep kids (including older ones) occupied on long trips.
For your activity bag, consider anything from snacks to quiet toys to new games for their Nintendo Switch to art supplies — whatever will keep them entertained while you get to your final destination.
Double-check downloaded content
Wi-Fi on airplanes can be quite finicky. Even if you pay for it, there’s never a guarantee it’ll work for the entirety of your flight. Because of this, download movies, music, games and more to your device (or your child’s) before your trip.
When downloading movies or TV shows, turn to multiple sources like Netflix, Disney+ and Apple. That way, if you run into issues with one provider, you still have content from the others.
Also, remember that messaging others is free on many flights, so be sure your teen has the airline app downloaded if you want them to be able to keep using services such as iMessage while in the air.
Enroll your child in TSA PreCheck
Until they turn 13, kids traveling with a parent or guardian with TSA PreCheck will be allowed to go through the expedited security line even if they themselves don’t have TSA PreCheck.
Even after they turn 13, kids 17 and younger can typically use the TSA PreCheck lines with their parent or guardian as long as the teen has the indicator on their boarding pass.
If you have a credit card that reimburses fees for TSA PreCheck, you can recoup the cost of your child’s application. Note that Clear continues to work to bring kids through until they turn 18.
Related: Why you should get TSA PreCheck and Clear — and how you can save on both
Consider connecting rooms
The days of squeezing two or three kids into one queen-size bed are probably long gone once they reach their teenage years. Not to mention, trying to have the whole family use one bathroom is an ordeal you likely won’t want to go through.
To keep the peace, consider reserving connecting hotel rooms.
With connecting rooms, you’ll have double the beds, bathrooms and storage space. Plus, teens and tweens will have the space and privacy they need without you being too far away to keep an eye on them.
Related: Big news for families: Hilton to guarantee adjoining rooms with ‘Confirmed Connecting Rooms’
Let kids choose a few activities (or plan the whole day)
At this age, kids are not just along for the ride. Give them some input (and independence) by allowing them to help plan your trip. Odds are they’ll be more engaged by being involved in the planning.
Bring a friend
While planning trips with other families is a good strategy with elementary-age kids, by the time kids are teens, just bringing along one of their friends could be sufficient.
To keep the costs down, consider using an airline companion certificate to bring along that friend without spending extra.
Go somewhere with a teens club
If you are visiting a resort or destination where you may be going light on activities, lean into places that have a space just for teens.
Cruise ships are fantastic when it comes to this, as they often have kid-focused spaces divided into pretty distinct age ranges. For example, Disney Cruise Line has a club for kids ages 3 to 12, another for those between 11 and 14 and then one for teens ages 14 to 17.
By taking advantage of clubs that are broken up into designated age groups, your teen can have plenty of fun without the annoyance of hanging out with younger kids.
1 of 4
SUMMER HULL/THE POINTS GUY
Related: Child turning 18? Here’s everything you need to know before the next time they travel
General family travel tips
Some family travel tips transcend age groups.
Regardless of how old your kids are, where you’re traveling or how you’re getting to your vacation destination, there are a few tips you’ll always want to keep top of mind.
Utilize airport lounges
Airport lounges are becoming more and more kid-friendly, as they offer dedicated family rooms with toys and kids shows on TV, plus food that will please picky eaters. Additionally, if you have a long layover or are dealing with flight delays or cancellations, you’ll be much more comfortable waiting in a lounge instead of at your gate.
You can purchase a day pass to many lounges but may be able to get yourself and your family in for free with certain credit cards or airline status. For example, The Platinum Card® from American Express grants the cardmember and one guest complimentary access to Priority Pass lounges and access to Centurion and Escape lounges, though complimentary guest access depends on how much you spend annually.
Related: Best credit cards for airport lounge access
Upgrade to a suite
Similar to springing for connecting rooms, upgrading to a suite will buy you additional space and, sometimes, a pullout sofa that adds another sleeping option.
You’ll also have more room for your family’s belongings and areas for relaxing and dining so your kids don’t spend all their time jumping, eating and lounging on the beds.
Check for reciprocal zoo and museum memberships
If you have a membership to your local zoo or museum, you may be able to use reciprocal benefits for free or discounted entry to other zoos and museums that you can visit on vacation.
This information is usually available on your zoo or museum’s website, but you can also check lists on the Association of Zoos & Aquariums’ page about reciprocal admissions or on the North American Reciprocal Museum Association website.
Get a travel tracker that doubles as a memento
There are so many unique travel souvenirs you can get that also serve as keepsakes for remembering your child’s travel “firsts.”
These Junior Frequent Flyer flight logbooks allow you to record your child’s flights while teaching them about aviation.
If a national park visit is in your future, order a standard or junior National Parks Passport and collect stamps every time you visit a new park.
Don’t forget important medicines
When you are away from home, you have to be prepared for anything. That includes unexpected sicknesses and accidents.
Pack kid-safe and grown-up medicines, as well as Band-Aids, antibiotic ointment and other first-aid necessities in your carry-on bag so you won’t be without them if your checked luggage is delayed or lost.
Bring an extra bag
If you are traveling between a cold climate and a hot one, pack a lightweight tote bag that can fold into your carry-on so you can easily gather up everyone’s coats once on the plane. By keeping this tote tucked away until you’re on board the aircraft, you’ll enjoy an extra allowed bag, saving you the headache of trying to determine where to put bulky coats.
Get Global Entry for each family member
Unlike TSA PreCheck, which allows kids to travel with an eligible adult until they turn 18 (in most cases), anyone wishing to use Global Entry to expedite reentry into the U.S. needs to apply for the program.
Global Entry can save valuable time spent waiting in line. However, you’ll need to apply well in advance of your trip so you have time to submit your application, complete an in-person interview and await approval.
Similar to TSA PreCheck, you can use a credit card that will reimburse your child’s Global Entry application fee.
Try out the games built into many spaces
It’s easy to miss, but many resorts, theme parks and cruise ships have a hidden layer of fun that ranges from traditional scavenger hunts to interactive activities you can unlock with an iPhone or similar device.
While the youngest travelers won’t benefit from these types of experiences, they can be fun for a variety of age ranges, especially elementary-age kids and tweens.
Related: Disney World rolls out all-new MagicBand+: Here’s what this wristband can do for your trip
Bottom line
Family travel has its own built-in challenges, but it also comes with immense rewards.
By knowing all the tips and tricks to traveling with kids, having the right gear with you, mapping out a game plan and having the right attitude and realistic expectations, you can have a memorable vacation every member of the family enjoys.
You may not get to do everything you want or sometimes feel like it’s more of a hassle than a vacation. However, if you’re willing to be flexible and appreciate when things go according to plan — even if the end result isn’t quite what you had hoped for — you’ll find yourself eager to book your next family trip before you have the bags unpacked and put away.
Inside: Do you have any ideas for things to do that are both fun and relaxing? This what do you do for fun guide has suggestions for answers. When asked by the interviewer, you will be prepared.
We all know the feeling. You’re at a networking event, or perhaps on a first date, and someone asks you the inevitable question:
What do you do for fun?
Your mind goes blank. You can’t think of anything interesting to say, so you mumble something about watching TV and call it a night.
Don’t worry, we’ve all been there.
However, when you are interviewing for a new job, you need to nail the sometimes awkward question.
So, the next time this happens, try one of these 13 conversation-starting responses:
How do you answer what I do for fun?
Answering the question “What do you do for fun?” during an interview is important because it provides insight into your personality and whether you would fit in with the company culture.
To answer the question effectively, it’s important, to be honest and showcase your unique interests and passions.
One way to answer is by discussing a hobby that relates to the job or demonstrates valuable skills.
Another option is to talk about a hobby that showcases your personality or values.
You could discuss a recent experience or accomplishment that you’re proud of, showing your drive and dedication.
In any case, be sure to keep your answer professional and engaging, while highlighting what makes you stand out as a candidate.
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 Answer “What do you do for Fun” in an Interview
“What do you do for fun?” is a question that can throw many job seekers into a loop during an interview.
It’s not always easy to answer, especially if your hobbies and interests aren’t the most “conventional” or if you don’t have any hobbies at all.
Step 1: Be Honest
It is crucial to be honest when answering the question “What do you do for fun?” in an interview because it shows that you are an honorable candidate.
Being truthful demonstrates integrity, and it is a quality that people value.
Moreover, honesty prevents you from being caught in a lie, which can harm your credibility and chances of getting the job.
It is also vital to keep your answer simple and relevant to the job you are interviewing for. For instance, if you are applying for a position at a sports company, mentioning your interest in sports can make you stand out. However, it is essential to be genuine and not makeup stories to impress the interviewer.
Step 2: Show your passion
When answering the question “What do you do for fun?” in an interview, it’s important to showcase your passion and enthusiasm for the activity.
For example, if you enjoy hiking, you could explain how the beauty of nature and the physical challenge of the activity inspire you.
Additionally, you can mention how this passion translates to your work ethic, such as by demonstrating your dedication and perseverance in achieving your goals.
By highlighting your genuine interests and tying them to your professional skills, you can show the hiring manager that you are a well-rounded and committed individual.
Step 3: Pick one or two things
When answering this question, start by considering your hobbies and interests, then narrow it down to one or two that are relevant to the job you’re applying for.
Explain why you enjoy these activities and how they’ve helped you develop skills that could be beneficial in the workplace.
Keep your answer concise and enthusiastic, with a friendly tone.
Step 4: Emphasize how this will help you in your job
When it comes to talking about hobbies during a job interview, it’s important to make a connection between your interests and the job you’re applying for. This can demonstrate how your hobbies can be an asset to the company and how they can help you succeed in the role.
For example, if you’re applying for a marketing job and you enjoy painting, you could talk about how your creative skills from painting can be applied to your work. Similarly, if you’re part of a sports team, you could discuss how the teamwork and collaboration skills you’ve developed can translate into being a better team player in the workplace.
It’s also worth mentioning how your hobbies help you decompress and recharge after work. For instance, if you’re applying for a high-stress job, you could talk about how reading helps you unwind and come back to work feeling refreshed.
When mentioning your hobbies, it’s important to be truthful and genuine. Don’t make up interests that you don’t actually have just to impress the interviewer. This can backfire and cost you the job offer.
Step 5: Use necessary details only
For those who love to talk, this tip is for you! Make sure to detail only what the other person may be interested or that will give you a heads up.
Avoid oversharing or rambling by speaking about all of your hobbies.
Avoid cliche responses and discuss specifics about what you like to do for fun with friends or family. Remember to keep your answer positive and to the point, supported with a few brief details.
Step 6: Find common ground
During a job interview, it’s important to find common ground when answering the question “What do you do for fun?” This will help you stand out in the interviewer’s memory and establish a connection with them.
Look for shared interests and use them to your advantage.
If you notice the interviewer wearing a brand of clothing you like or supporting a sports team you also support, mention it and use it as a launching point for your answer.
Be honest and specific about your interests, and showcase any skills or values that you have gained through them.
The 13 best ways to answer “What do you do for fun?”
We all know the feeling.
You’re sitting in an interview, and the interviewer asks you a question that feels like it’s designed to trip you up. For some people, this question is “What do you do for fun?”
Answering this question well can be the difference between nailing the interview and not getting the job.
Here are some ideas to help you answer this possibly awkward question.
1. Start with Hobbies & Interests
When discussing your hobbies, aim to share areas that you are truly interested in and passionate about. This can lead to follow-up interview questions and potentially create a great relationship with the interviewer.
When asked about your hobbies in an interview, it is important to be truthful and genuine about your interests and hobbies outside of work.
It may be helpful to prepare in advance by brainstorming two to three hobbies that you enjoy and can speak passionately about.
If you happen to spot something in the interviewer’s appearance that indicates a shared hobby, such as a Garmin sports watch indicating a love for running or cycling, it can be beneficial to mention your own interest in that activity.
However, even if you do not spot anything obvious, sharing multiple hobbies can improve your chances of connecting with hiring managers.
2. Relate Your Personal Activities to the Job
When it comes to discussing your hobbies and interests during a job interview, it’s important to establish a connection between what you like to do for fun and the job you’re applying for.
This can be done by identifying common skills or attributes that apply to both your hobby and the job. For instance, if you’re an artist applying for a marketing job, you can talk about how your creative skills from painting can help you perform well at work. Similarly, if you’re part of a sports team, you can discuss how the collaboration and teamwork involved in the sport can directly translate into helping you become a better team player at work.
In addition to highlighting the skills and attributes that apply to both your hobby and the job, you can also discuss how your hobby helps you decompress and maintain a work-life balance. If you’re applying for a high-stress job, for instance, you can talk about how a simple hobby like reading helps you unwind and recharge, allowing you to come back to work feeling refreshed.
3. Be a Storyteller – Not the Interviewer
When asked this question, the interviewer wants to get to know your personality and how you communicate with others.
This is an interpersonal skill that will you help you to land the job.
You want to tell an intriguing story, but not go into the details that the other person finds boring. You want to be engaging – that shows your potential employer or date how you will interact with others.
Also, don’t be afraid to ask open-ended questions yourself.
4. Make Sure to Qualify what makes you special
When answering the question “What makes you unique?” during a job interview, it is important to provide a well-rounded view of yourself.
The interviewer wants to know what unique skills you could bring to the team. It is essential to ensure that your answer is positive and to the point.
You should not try to mention all of your interests or list them off.
By highlighting unique activities or lesser-known facts about your interests, you can make yourself stand out in the interviewer’s eyes, and the hobby may become your identifier when the hiring manager is making their decision.
Sample Example Answers to “What do you do for fun”
Here are some examples you can give to the hiring manager or your date:
1. Cook delicious meals
2. Bake goodies for others
3. Spend Time With Friends and Family
4. Get Out in Nature and go hiking, cycling, rock climbing, paddleboarding or skiing.
5. Singing or acting
6. Read for Pleasure
7. Watch Movies or TV Shows
8. Listen to podcasts or watch documentaries
9. Make Art
10. Meditate
11. Take Photos
12. Play Board Games
13. Plant a Garden
14. Listen to Music
15. Volunteer
16. Fishing
What to Avoid in Your Answer
When an interviewer asks you, “What do you do for fun?” this is not an invitation to launch into a list of your hobbies.
It’s actually a behavioral interview question, which is meant to reveal something about your character.
So, make sure you don’t do these things.
1. Avoid Clichés Like “I Like to Keep Busy”
It’s important to avoid clichés like “I like to keep busy” when answering the question “What do you do for fun?” in an interview or social setting because they provide no real information about who you are.
This answer makes it seem like the job or starting a new relationship is not important.
Avoid common clichés like “hanging out with friends” or “spending time with family” as they are too broad and uninteresting.
Choose to share things that you actually do for fun, make a connection where you can, and keep it simple and honest.
2. Don’t Mention Things You Don’t Actually Enjoy Doing
Avoid mentioning activities that you do not actually enjoy doing, as this can come across as insincere and potentially cost you the job.
Additionally, do not avoid the question or give an incomplete answer. Instead, be honest and share 1 or 2 things that you actually do for fun.
If an activity you enjoy relates to the company, mentioning it can make a positive impression.
This is especially true when applying for low stress jobs without a degree.
3. Don’t Be Self-Deprecating
Self-deprecation may make the person answering seem insecure or lacking in confidence. Instead, focusing on positive and confident answers can make a better impression on the interviewer.
It’s important to avoid self-deprecating answers when asked about what you do for fun because they can come across as negative and uninteresting. For example, talking about hobbies or interests that you are passionate about and that showcase your strengths can be a great way to show your personality and skills.
For instance, you might say that you enjoy hiking and exploring new trails in your free time, which demonstrates a sense of adventure and a willingness to take on challenges.
4. Don’t Try to Impress with Your Hobbies
Making up stories or pretending to be interested in something that you’re not can backfire and harm your credibility, self-esteem, and sense of integrity.
Instead, focus on sharing what you actually enjoy doing and tie your hobbies to skills that would fit the job. Even if your hobbies seem mundane to you, they can be extremely interesting to others.
Plus, being authentic and real can help you connect with the other person and avoid any damage control later on.
5. Don’t Include Unrelated Skills
When it comes to talking about hobbies or skills during a job interview, it’s best to tie them to the job you’re applying for. While it’s acceptable to mention hobbies that are not directly related to the job, it’s best to avoid discussing skills that are completely unrelated.
Talking about unrelated skills may give the impression that you’re not truly interested in the job or that you lack the necessary skills for the position.
For example, if you’re applying for a software engineering position, it’s probably not a good idea to talk about your love of painting. While painting may be a great hobby, it doesn’t have much relevance to the job you’re applying for. Instead, you could talk about your interest in coding and how you enjoy working on personal coding projects in your spare time.
6. Don’t Write About Hobbies that Are Too Exotic
Activities that are considered extreme or dangerous can make you appear as a risk to the company, and hobbies that could bring your morals into question, such as partying or drinking or many other things I’m not going to mention in this blog can paint you in a negative light.
It’s important to remember that as an employee, you will be a representative of the company, and any negative view of you could reflect poorly on the company.
Instead, focus on the more interesting and relevant hobbies that showcase your skills and personality.
7. Don’t Use Excuses for Not Having a Hobby
It’s essential to avoid making excuses for not having a hobby when answering the question “What do you do for fun?” during an interview because it can come across as uninteresting or lacking in personality.
However, It’s better, to be honest and admit that you don’t have any particular hobbies than to make up stories that might not be true.
Think of things you would do if you had more time in your day.
Those are your hobbies regardless of how much time you have dedicated in the past days.
Example Answers
Here are some example answers to get you started.
Example 1
One hobby I enjoy doing in my free time is hiking as it is a great way for me to unwind and reconnect with the outdoors. I find it to be a great way to exercise and explore nature.
I love the feeling of being surrounded by trees and fresh air, and the physical challenge of climbing hills and mountains. Once a month, I try to go hiking.
Example 2
One fun activity that I enjoy doing with a group of friends is playing board games. The sound of laughter and friendly banter fills the room as we gather around the table, each armed with our own game piece.
The competitive spirit is alive and well as we try to outwit each other and come out on top. But it’s not just about winning – it’s about spending time together, bonding over shared experiences, and creating memories that will last a lifetime.
Whether it’s a classic game like Monopoly or a newer favorite like Settlers of Catan, board games provide the perfect opportunity for socializing and having fun with friends.
Example 3
One of my favorite activities to do with friends and family is going on picnics.
I love the feeling of laying out a blanket on a grassy field, surrounded by nature and good company. The sound of laughter and conversations mixed with the rustling of leaves and birds chirping creates a peaceful atmosphere.
Sharing delicious snacks and refreshing drinks while enjoying the scenery and each other’s company brings me immense joy.
FAQ
Adding hobbies to a resume can be beneficial for several reasons. It can give the employer a glimpse into your personality and interests, and can also highlight skills that may be relevant to the job.
When choosing which hobbies to include, it’s important to consider the job you’re applying for and tailor your hobbies accordingly.
For example, if you’re applying for a job in the arts, including hobbies such as painting or sculpture could demonstrate your creative abilities.
Similarly, if you’re applying for a job in a physically demanding field, including hobbies such as hiking or weightlifting could highlight your physical fitness.
Other hobbies that could be relevant to many jobs include volunteering, learning a new language, or participating in team sports.
Overall, the key is to choose hobbies that showcase your skills and interests, while also being relevant to the job you’re applying for.
This is another common question during an interview as it is a sneaky way to see where the person wants to be or plans to be around for a long period of time.
Here is a sample answer:
In five years, I see myself as a successful professional who is making meaningful contributions to my field. I am someone who is respected by my colleagues and clients alike for my expertise and professionalism.
To achieve these goals, I plan to continue learning and growing in my career, taking on new challenges, and seeking out opportunities to develop my skills. I will also prioritize self-care and make time for the people and activities that bring me joy and fulfillment.
Now, What do you Like to do for Fun?
This guide is to help you during an interview, but something you use in other relationships as well.
Honesty is always the best policy.
With these fun ideas, you will be able to answer the interviewer’s questions with ease.
So, the next time someone asks you what you do for fun, you will be able to answer with confidence.
Find ideas for what should I do today.
Know someone else that needs this, too? Then, please share!!
Embarking on a downsizing journey as a senior can be exciting and overwhelming. It’s a time filled with anticipation for a new chapter in life, but it also involves making tough decisions about belongings accumulated over the years. A comprehensive checklist can be an invaluable resource to ensure a smooth and successful downsizing process. Whether you’re considering downsizing for retirement, transitioning to a smaller home or exploring senior living options, this checklist will help simplify the process and pave the way for a stress-free transition. You can also work with a financial advisor to help you with a retirement budget, which can often help you decide what and when to downsize.
Downsizing Checklist for Seniors
When creating a downsizing checklist for seniors, it’s essential to consider specific needs and goals, efficiently declutter and organize belongings and effectively plan for the move. Here are key items to include in the checklist.
1. Gather Important Paperwork
To get started, the first thing you should do is organize your essential documents in a neat and organized way. It’s a good idea to keep important information safe by storing it in a secure place like a safe deposit box or a fireproof safe. That way, you can have peace of mind knowing that your documents are well-protected.
Next, consider making digital copies of all your vital documents. This will provide an extra layer of security in case anything happens to the physical copies. Store these digital copies securely online using a reliable and encrypted storage service. This way, even if something happens to the originals, you’ll still have access to them whenever you need them.
Lastly, remember to let your loved ones know about the whereabouts of these crucial documents. It’s important to share the location with them and provide clear instructions on accessing them. This ensures that your loved ones can easily find and retrieve the necessary information in case of an emergency or when important decisions need to be made.
Remember, taking these steps will give you peace of mind and make it easier for you and your loved ones to access important documents when needed.
Documents to Include
Here are some documents you’ll want to save and organize:
Contact information for professionals like your attorney, doctors, financial advisor and insurance agent
A list of personal assets like property and investments
A list of liabilities and debts like auto loans, mortgages and credit cards
Social Security and Medicare cards
Copies of your federal and state income tax returns for the last five years
List your checking account, savings account and credit card numbers and accounts
Legal documents, including trusts, wills or amendments and necessary directives like the durable power of attorney and advance directives
A letter addressing any personal matters or issues you want to communicate or document
2. Pack and Organize Your Belongings
You can greatly simplify the packing and moving process by organizing and planning ahead. Here are some key tips to make your packing more efficient:
Enlist the help of family members, friends or the moving company to assist with packing tasks. The moving process will be much more straightforward, with everything labeled adequately in advance.
Ensure you have markers and labels available for labeling boxes.
Label each box with its intended destination room or area in the new residence. This will make unpacking and organizing much more efficient.
Consider utilizing specialized containers the moving company provides, such as wardrobe boxes for keeping clothes on hangers or protective boxes for flat-screen TVs.
Prepare an “open first” box or boxes. These should contain essential items for setting up sleeping accommodations and the bathroom. Include fresh bedding, toiletries, nightclothes, towels, utensils, a change of clothes, a flashlight, tape, scissors and cash for ordering dinner since moving often takes longer than expected.
Pack essential items that you’ll need to keep during the move separately. These may include the new lease or residence contract, keys, medications, legal documents, checkbook, cell phone, address book and a first-aid kit. Remember to label this container. Valuables like jewelry should be kept in a safe-deposit box unless regularly worn.
3. Prepare for Moving Day
Preparing for moving day is crucial to ensure a smooth transition to your new home. Some important tasks to complete include:
Organize a moving binder that includes important information like critical contacts, estimates, receipts and an inventory of the items you’ll take.
Confirm the final details with your mover or moving coordinator.
Arrange utility disconnects according to your moving schedule.
Schedule post-move-out cleaning services to ensure a smooth transition.
Ensure you have a written contract from the moving company that clearly outlines coverage for lost or damaged possessions.
Obtain a specific arrival time from the moving company for your old and new residences.
Verify the available payment options for the moving company, such as credit card or check.
4. Wrap Up the Remaining Moving Day Tasks
When the moving day finally arrives, there are a few last-minute details that can assist you in completing the downsizing process smoothly.
Assign someone to meet the movers at your new residence, ensuring they have a key and that the community manager is aware of your arrival.
Begin by cleaning out the pantry and deep freeze, remembering to reduce your cleaning supplies.
Double-check inventory lists to ensure everything is accounted for.
Properly label all boxes to facilitate organized unpacking.
Ask a neighbor for any mail that might arrive after your move.
If you bring a pet, pack their food and medications to ensure a smooth journey and safe arrival.
Pack a suitcase with your clothes and medicines, so you’re ready for the first day after your first night in the new home.
Personally pack valuables and belongings that you don’t frequently use.
Use the “open first” boxes to set up the bedroom and bathroom immediately.
Be prepared to spend a few days unpacking and organizing. Enlist someone to help you. Work efficiently to make your new home feel comfortable quickly.
Tips for Downsizing Seniors
It’s not always easy to know when or how you should be downsizing. You need to first understand your budget before moving forward with the whole process so you know how much money you want or need to save. Here are six recommendations to make downsizing a smooth transition.
Start Early
Downsizing can be daunting, especially for seniors who have resided in their homes for an extended period. The mere thought of downsizing can easily lead to feeling overwhelmed, causing individuals to become paralyzed and delay the process. Unfortunately, this only adds to the difficulty of the task.
You gain the advantage of time by starting early, even before embarking on the search for a senior living community. This approach reduces stress for everyone involved and provides an opportunity to cherish memories while sorting through old family photographs and keepsakes throughout the house. Taking it slowly ensures a smoother downsizing experience.
Prioritize the Essentials
Take an inventory of the possessions you hold dear and cannot let go of. Consider the limited space you will have in your new home. Additionally, create a separate inventory for belongings that hold significance but may need to be relocated to a friend or family member’s home.
Safeguard Your Valuables
The process of downsizing and relocating can often be chaotic, especially when you’re preparing to sell your home. To simplify matters and mitigate risks, consider renting a storage space or utilizing a family member’s garage or basement to temporarily store your cherished possessions. This precautionary step not only safeguards these items but also creates a more spacious and appealing environment for potential buyers.
Design a Layout
If you have decided on a senior living community or a condominium, obtain the measurements of each room. Next, measure the furniture you intend to bring along. Utilize these dimensions to develop a comprehensive floor plan for your new home. You can use either graph paper or user-friendly online tools like RoomStyler or Homebyme.
This process will visually represent how many of your belongings can be accommodated in the new space. Therefore, helping you determine what will fit and what may need to be left behind.
Develop a Strategy for Discarding Unwanted Stuff
Determining the best action for disposing of unneeded items requires careful consideration. Although your community may have several nonprofit organizations that accept donations, it may take some effort to determine which items they are willing to receive. Disposing of older electronics can also pose additional challenges.
Fortunately, specific charities provide pick-up services, which can be particularly helpful if you have larger furniture pieces or multiple boxes of smaller items to donate. Lastly, remember to request a receipt from each charity, enabling you to claim tax deductions for your donations.
The Bottom Line
Downsizing offers seniors a transformative experience. It enables you to embrace new opportunities and discover a more manageable lifestyle. With a comprehensive checklist, seniors can confidently navigate the process, from assessing needs to organizing belongings. By planning ahead and making informed decisions, you can ensure your new living space is filled with cherished possessions.
Retirement Tips
Retirement brings its own set of challenges, but financial worries shouldn’t be one of them. If you aspire to have a substantial nest egg when you retire, consider seeking guidance from a financial advisor. 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 have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
When planning for retirement, it is crucial to accumulate a solid savings portfolio. However, it’s equally important to factor in your Social Security benefits. Utilize SmartAsset’s Social Security calculator to estimate the potential benefits you may receive.
Ashley Kilroy
Ashley Chorpenning is an experienced financial writer currently serving as an investment and insurance expert at SmartAsset. In addition to being a contributing writer at SmartAsset, she writes for solo entrepreneurs as well as for Fortune 500 companies. Ashley is a finance graduate of the University of Cincinnati. When she isn’t helping people understand their finances, you may find Ashley cage diving with great whites or on safari in South Africa.
When I was packing for my trip to Argentina, a friend advised me, “Put everything you’re taking on the bed. Now put back half the clothes, and take twice the money.”
Good advice. I tried to follow it and still ended up bringing more clothes than I could possibly need. I didn’t bring much money, though, because one of my goals for this trip is to keep saving even while I’m traveling.
Saving for travel is relatively simple: You set up a targeted savings account and put a little money aside each week or each month. Setting a schedule and sticking to it is the key to saving for anything. Travel is no exception.
Saving while traveling is a bit more complicated. Even the most carefully-planned vacation is plagued with unexpected expenses. Over at I Will Teach You to Be Rich, Ramit Sethi suggests budgeting 20% more than you think a trip will cost to pay for sundry expenses along the way.
That’s a lot of dough. Where does it all go?
Taxes and fees. Many countries levy special taxes and fees on tourists. A little research can let you know what these will be, so you can plan ahead. To find local tax, toll and fee information, check the websites for each state or country you plan to visit, or talk to your travel agent. At the airport in Argentina, for example, we had to pay $140 per American citizen to enter the country. A fellow behind us in line hadn’t know about that fee, and was miserably explaining to the ticket agent that he didn’t have that much money on him and didn’t know what to do.
Unexpected needs. Baby Tylenol. Adapters to plug in our electronic gadgets. Groceries from the corner market. I knew we’d need something day to day on our trip, but I didn’t know what. It wouldn’t have made sense to travel with every possible thing I might need. These things were cheaply and readily available here, and would have taken up valuable space in a suitcase. Bringing cash to cover incidental needs made more sense than imagining every possible occurrence and packing ahead.
Impulse spending. Part of the joy of travel is seeing new things and having new experiences. Some of those may cost more than you’d expected. In our travels in Argentina, I’ve had the chance to visit Eva Peron’s grave, fall in love with a local winery, and take a river cruise. Better to budget in advance for museum tickets, scenic tours, and souvenir shopping than to find yourself pinching pennies halfway through your trip because you splurged at the beginning.
Emergencies. On our last visit to Argentina, my infant daughter caught a terrible ear infection and needed hospital care. Our insurance ultimately paid for her care, less our normal co-pay. But at the time, we had to pay out of pocket for everything here, and then chase down reimbursement for it through a maze of paperwork once we got home. Having a comfortable cushion of while traveling lets you handle real emergencies as they crop up.
There’s no doing away with all these expenses, but there are plenty of things you can do to keep your overall costs low. Here are some easy ways to save while traveling:
Be prepared. I mentioned planning to buy some small needful things, like infant Tylenol, while you travel. A little research on your destination can help you figure out what necessities are going to be cheaper where you’re traveling to, and which ones might cost a lot more. I planned to buy a fancy dress for the party I’m attending, because clothes are generally cheaper here. But I bought my husband a video camera before we left, because electronics cost quite a bit more in Buenos Aires than they do in Boston.
Travel with frugal companions. Just like your friends influence your spending at home, they can pressure you to spend or save on the road. I have a close friend I’ve traveled with several times during the past year. She’s more frugal than I am, and she’s great at checking my impulse to spend excessively just because I’m on the road.
Know your weaknesses. I splurge when I’m stressed and when I’m celebrating. Travel tends to push both those buttons. I worry about making it on time through the airport, so I throw caution to the winds and pay for overpriced food rather than packing a picnic ahead of time. I want to treasure the memories of where I am, so I spend money on knick-knacks or clothes that I don’t really need. This is a habit I picked up from childhood. My normally tightwad mother would open her purse with abandon when we were traveling, and I’ve never quite shaken the habit. Knowing this about myself makes me look twice at any purchase I want to make when I’m on the road.
Make a game of it. See how low you can keep your daily travel budget. Can you get through a whole day in a foreign country without spending a dime? Can you clip coupons in a language you barely speak? Take advantage of local specials at the neighborhood diner instead of eating in your hotel? Score points with your spouse by finding ways to save on your vacation.
Have a savings goal in mind. What are you going to do with the money you don’t spend on this trip? Having a prize in mind helps keep me focused on saving. I have a pool of money I can afford to part with here in Argentina. Any money I take home will go into my high interest savings account towards my next savings goal: paying off our car loan. My goal is to shave time off that deadline by bringing home enough unspent “travel money” to make a full months’ car payment.
Of course for some people part of the joy of travel is being able to let go the reins of frugality and spend freely. If you’ve saved diligently and have that 20% cushion Ramit Sethi suggests, there’s no reason not to.
But if you enjoy frugality, there’s also no reason to leave your frugal habits at home. Careful spending while traveling only reinforces wise fiscal habits at home, and if you come home with part of your travel fund untouched, you’re that much closer to the being ready to book your next trip.
J.D.’s noteOof. I have a lot to say about this one. Maybe I ought to leave my thoughts in the comments, but I’m going to be bold and append them to Sierra’s post.
I’ve become a huge fan of the packing list. As I begin to travel more and more, it’s very useful to have a fixed list that indicates the things I need to take with me. This keeps me from panicking with last-minute worry that I’ve forgotten something, but it also helps me keep costs down because I have a sort of mini-inventory of travel stuff I need. (I used my last Breathe Right nasal strip in Denver last weekend, so I bought more today because I had a coupon.) I have two packing-list apps for my iPhone, have bookmarked several packing-list sites, and even have a packing-list book on hold at my library!
The packing list also helps me to pack light, which is another way it saves me money. When I pack light, I know what I have and where I have it. Plus, I don’t have to check a bag. (My goal — even for our upcoming month-long trip to Europe — is to travel with a single carry-on bag.) In extreme cases, I’ve known people who have packed so much Stuff they’ve actually had to ship some of it home. From Europe. Now that’s expensive!
Finally, on long trips, I keep a daily log of what I’m spending. I know my overall trip budget (and what that works out to per day), so my daily tracking lets me know when I need to pinch pennies and when I can cut loose a little. And in my case, I use a specific credit card that waves overseas transaction charges while also giving me 1% cash back.
Sorry for hijacking Sierra’s post. I’ll go to the gym for deadlifts and burpees now…
[Wait! One last tip! If you’re traveling in the U.S., order an Entertainment book for the city you’re traveling to. When Kris and I do this, we recover the cost very quickly.]
KOCHI: Looking for some unique decor to add character to your living space? Well, Bronze Age — Sculpture Foundry in Kochi might be the right place for you. With an impressive collection of handmade bronze sculptures and customisation, the art decor venture promises to up the drama.
“Be it residential or commercial spaces, a statement sculpture has the power to set the mood,” says Neenu Varghese who runs the Bronze Age gallery at Gandhinagar in Kadavanthra. “More than being just a decorative piece, a sculpture can evoke memories, stir emotions, and spark meaningful conversations. Its multidimensional nature allows for diverse perspectives and interpretations, amplifying its emotive impact.”
Renny Jacob, the founder of Indian Cocoa Group, which owns Bronze Age, believes there is a “reawakening of interest in interior decor and a growing appreciation for fine craftsmanship”. “Consumers are now embracing the skill involved in creating these exquisite pieces,” he says, adding that the gallery also provides a platform for artists who wish to cast their ideations in bronze.
“We work closely with artists, designers, and craftsmen. With each sculpture, we aim to tell a story, start a conversation and create possessions that generations will cherish.” Neenu explains that each sculpture is the result of long hours of work using special processes and tools. “While ideation is one of the most time-consuming stages, patination is the final stage in the production of bronze sculptures; it is quite exciting,” she says.
Gallery curator Sujaya C P agrees. “Our sculptures are meticulously crafted using a combination of cast metals and mixed media,” she says. “Each piece is hand-finished with bronze, copper, iron, or other alloys. It takes hundreds of hours of skilled labour,”
Applying a patina involves using a combination of chemicals and heat to achieve the desired finish on a sculpture, Sujaya explains. “Over time, the patina effect naturally appears on the metal surface, adding character to the artwork,” she says.
“The sculpture’s real metal surface can be polished to maintain its shine or left to develop a natural, greenish ageing patina. This important step enhances and enlivens the bronze casting, breathing life into the sculpture.”
Bronze Age works in different styles and mediums and also deals with small- and large-scale architectural and interior design projects across Kerala. “We undertake concept development as well, bringing ideas to life,” says Neenu.
“Through the gallery, we aim to educate people on the techniques and philosophy behind artworks. We create bold statement sculptures that have the power to transform any space, and create a lasting impression.”
Welcome to the vibrant city of Wichita, where summer ushers in a unique blend of culture, adventure, and relaxation. As the temperature rises and the sun shines brightly, this Midwestern gem becomes a playground of endless possibilities. Whether you’re a long-time local or you just rented your first apartment in Wichita, you’re in for a treat.
From captivating museums and scenic parks to thrilling outdoor adventures and lively festivals, this Redfin article will guide you through a handpicked selection of the best things to do in Wichita this summer. So, get ready to embrace the warm weather, delve into exciting experiences, and create unforgettable memories right in the heart of Kansas.
1. Indulge in the local food scene
Landon Huslig, the founder of Wichita Life Update, suggests “embracing Wichita’s diverse food scene.” You can find everything from traditional Kansas barbecue joints and farm-to-table eateries to international cuisines like Thai, Italian, and Mexican. Food lovers should consider visiting the Old Town Farmers Market this summer for fresh, local produce and homemade products. Food truck events are also a regular feature in the city, offering delicious street food.
2. Take part in various Pride events
Wichita Pride is a colorful and vibrant celebration of the LGBTQ+ community in Kansas. This year’s Pride events are expected to be bigger than ever, with a parade, a fair, and a series of parties and picnics planned. Many other Pride events can be discovered throughout the month of June. Everyone is encouraged to come and support the local LGBTQ+ community and allies. Whether you want to join the parade, watch from the sidelines, or enjoy the festivities, there’s something for everyone. The atmosphere is sure to be electric, filled with love, acceptance, and of course, pride.
3. Experience the Summer Concert Series
The Summer Concert Series is a staple of Wichita’s summer scene. Local, national, and even international acts often play in various outdoor venues across the city, including the iconic Century II Performing Arts & Convention Center. This year, the lineup includes a mix of rock, country, blues, and pop acts, offering something for every music taste.
4. Sway beneath the stars at Twilight Tunes
The Twilight Tunes series provides free live music in various parks throughout the city. These events are an excellent opportunity to enjoy a picnic and relax with friends and family while listening to local musicians play everything from folk and bluegrass to jazz and rock.
5. Enjoy live acoustic music at Artichoke Sandwich Bar
The Artichoke Sandwich Bar is not only known for its delicious sandwiches but also for its live music scene. According to owner Tracy Rutledge, you can also enjoy “cold Guinness and a friendly welcome on tap!” This summer, they’ll host a series of acoustic nights where local musicians perform intimate, stripped-back sets. It’s the perfect setting for those who appreciate good food, music, and a cozy atmosphere.
6. Vibe at the lake with The Dam Jam Music Festival
Coined “the biggest lake party in the state of Kansas,” The Dam Jam Music Festival is a highlight of Wichita’s summer calendar. Lidia Potgieter shares how the festival is “set against the picturesque backdrop of Lake Afton, the thrill of camping merges seamlessly with the pulsating beats of live music.” Experience the two-day outdoor music event held at the scenic Sedgwick County Park. This year’s lineup features a mix of local and national bands across multiple stages.
7. Sip wine at the Wyldewood Cellars
Wyldewood Cellars is a family-owned winery in Peck, just south of Wichita. Social Media Manager and Graphic Designer of Wyldewood Cellars Winery, Christine, shares how the winery “produces a wide range of award-winning wines, including their renowned elderberry wine.” Enjoy vineyard tours and wine tastings this summer, and attend various events, such as their famous Wine and Paint nights.
Bottom line: Maximize your summer fun in Wichita this summer
This summer in Wichita, opportunities for adventure are abundant and diverse, making every day exciting. Regardless of where your passions may lie, Wichita is ready to meet them head-on. If you’re seeking out this season’s most vibrant happenings or hunting for hidden gems within the city, turn on the Summer Sunflower App offered by Wichita on the Cheap and discover more to do.
Your mental health is important. And with millions of people worldwide affected by some form of depression (not counting other psychiatric disorders), you shouldn’t feel alone if you need any type of mental health treatment. Chances are you even know others in the same boat.
Treatment may sound expensive. Even if you budget for healthcare, you probably don’t have hundreds of dollars to spend on a therapist’s weekly co-pay. Fortunately, healthcare providers are waking up to the necessity of providing diverse low-cost options for psychiatric help.
You can find a provider that meets your needs — at a price you can afford.
What’s Ahead:
How much does therapy cost?
A lot of variables can affect the cost of therapy. For an hour-long session, the typical range in the U.S. — without insurance coverage — is $65 on the low end to $250 on the high end. Most patients will pay between $100 and $200 per hour.
If you have insurance coverage, you’ll likely pay a smaller fee per appointment in the form of a co-pay, but these ranges also vary widely.
Online therapy platforms can offer a cheaper alternative. BetterHelp, for instance, charges prices in a general range of $60 to $90 per week for a weekly hour-long session.
Group therapy can also sometimes be a lower-cost option, starting at just $50 to $75 per hour. (And regardless of cost, many people appreciate the community support that group therapy provides.)
Factors that affect the cost of therapy
Insurance — If you have health insurance that covers the provider you want to see, you won’t pay the sticker price. Instead, the insurance picks up a portion of the cost of each session, and you pay the remainder, known as a co-pay. Without insurance, you’ll pay the full amount.
Location — You’ll pay more to see a therapist in high-cost cities (no surprise). Fortunately, large metropolitan areas may also have more therapy options in general, including affordable ones.
Your therapist’s training and level of education — Professionals with more experience and expertise can charge higher prices.
The type of practice — Therapists with private practices tend to charge more than therapists who are part of larger mental health clinics.
Length and duration of therapy session — Many therapists charge by the hour, which means the longer the session is, the more you’ll pay. Others charge flat rates per session. Similarly, a once-weekly-for-four-weeks program will of course be cheaper than once a week for six months.
Costs of different types of providers
Many healthcare services fall under the “therapy” umbrella, but not all are priced equally. Each service will fall within a slightly different price range depending on the provider’s credentials.
Psychiatrists are the most expensive. As official medical doctors, these providers can both offer therapy and prescribe medication, if medication is part of your treatment plan. Their rates can go from $100-$200 per hour. About half of psychiatrists in the U.S. accept insurance.
Psychologists are licensed to provide therapy but not medication. Their ranges are more modest, in the $70-$150 neighborhood. Psychologists provide long-term therapy that can address a range of issues, including depression and anxiety, but again, that’s without any medication such as anti-depressants.
Counselors tend to offer lower prices compared to psychologists. In general, counselors focus on short-term problem-solving centered on specific issues, like anxiety or addiction. Fees may be as low as $50-$80 per session.
Where to find free or affordable therapy
Thankfully, you don’t need to fork over a bunch of cash just to get the help you need. Here are some free or more affordable therapy options:
Get immediate help in a crisis
Crisis hotlines are always available — and free — if you need to talk immediately.
The U.S. has a free, 24/7 suicide prevention and crisis prevention hotline: just call 988 (similar to 911). If you’re considering self-harm or having suicidal thoughts, give them a call to speak with trained counselors.
Go through your insurance
Most insurance plans will cover some form of mental health treatment. Any plan purchased through Healthcare.gov, for instance, covers mental health and substance abuse — and can’t deny coverage based on a pre-existing condition. Medicaid and Medicare, in most cases, will offer mental health coverage.
The Mental Health Parity and Addiction Equity Act, passed in 2008, requires certain health plans to provide mental healthcare at a comparable level to physical healthcare. This includes financial requirements. For instance, you can’t have a higher co-pay for a psychiatrist visit than for a visit to your primary care physician.
Call the insurance company and ask for a list of professionals who accept your plan. They may also have a list on their website. Therapy coverage in particular varies from plan to plan, so it’s important to know the details.
It’s also worth noting that the 2008 legislation only covers patients with clinically diagnosed mental health conditions. If you don’t have a diagnosed condition and still want to see a therapist, your plan may or may not offer coverage.
If your insurance doesn’t cover the service you want, learn what they do cover — a plan that doesn’t include a therapist, for example, might cover a social worker.
Community healthcare resources
Some free and sliding-scale clinics cater specifically to the uninsured. To find a provider with a sliding scale fee — that is, a fee based on your level of income — this list of free clinics is a good place to start.
Training clinics at universities, where graduate students study to become psychologists, usually have sliding scales. If you live near any research universities — and if you’re in a city or large metropolitan area, you probably do — see if they offer this service. The students train under licensed practitioners, and your care’s always supervised.
Community mental health centers are another option. Often, the services are free or at a nominal cost for those below a certain income level. You can use an online locator through SAMHSA or HRSA to find community centers in your area.
You’ll want to have income information on hand, such as pay stubs. Check to see what other info you’ll need to provide. Community health centers often have long wait times, whether the clinic’s walk-in or appointment-based, so plan accordingly.
Therapy groups
Many practitioners offer group therapy at a lower cost than individual therapy. The National Alliance for Mental Health has group programs, and the American Group Psychotherapy Association can help you find a certified group psychoanalyst.
Online support groups like the forums at Psych Central provide a low-cost option you can access quickly. The Depression and Bipolar Support Alliance has a directory of both in-person and online groups. And this comprehensive list includes support groups designed around specific needs, such as eating disorders, anxiety, and alcoholism. Online groups can come in handy if transportation is an obstacle, too. Look for a group that has an impartial professional moderator.
Online databases
You can also search for an individual therapist online by location, specialty, insurance, or other identifiers. Some directories to get you started include the American Psychological Association, Psychology Today, Good Therapy, and Zencare.
Providers with specific specialties
Most healthcare professionals are trained to treat depression and anxiety, but other needs may require more specific therapy networks.
Here are some low-cost options for other mental health concerns:
Race- and sexuality-conscious providers
It may be important to you to have a therapist who shares your background or culture, or is aware of the unique challenges and joys that come with your identity. Some databases and support groups include:
Online therapy apps and resources
These days (especially post-pandemic), many individual and group therapists offer both in-person and online appointments (though not all do). There are also an increasing number of fully online therapy platforms, where you don’t even have to leave the couch.
Their prices tend to be cheaper than in-person services at the same level, but this also depends on the specific service and how many sessions you want. Some of these providers accept insurance, while others don’t; however, platforms that don’t take insurance may have lower out-of-pocket prices.
A few of the best-known online therapy apps include:
Some online resources offer free chat sessions with psychologists. Online group therapy can help here as well. You may not be seeing someone in person, but you can speak to a professional who understands your concerns, and to others who are dealing with similar issues.
Read more: How online mental health services can save you money
How to choose a therapist
Picking a therapist is a little like dating; it might take a while to find the right fit, and interpersonal rapport is essential. Most importantly, you want someone you feel comfortable talking to and someone you can trust.
Here’s how to vet who’s right for you:
Read therapist bios online
Almost all therapists and clinics will have websites where you can learn more about their credentials and expertise. At a minimum, they’ll usually indicate what type of practitioner they are (social worker, psychiatrist, etc.), and what formal credentials and education they have. You may also want to read online reviews of the practice, if those are available.
Many therapists have more detailed bios that list their areas of specialty and provide information about the demographics they usually work with. Maybe you’re looking for someone who specializes in working with people with disabilities, for example, or has experience counseling non-traditional families. If you have a specific issue you want to address (like substance abuse or social anxiety), you can look for a therapist who advertises this specialty.
Understand your goals for therapy
Sometimes it’s easy to pinpoint what you want to get out of therapy; for instance, if you want medication and talk therapy from the same provider, you’ll look for a psychiatrist.
Other times, your goals may be vaguer. If this is the case, a good therapist will work together with you to identify goals. It’s also possible (and expected) that your goals will change over time.
Ask interview-style questions
The introductory session is a chance for you and the therapist to learn more about each other. Some questions that will give you more insight include:
What’s your approach to therapy?
How do you find it best to solve problems?
What kinds of therapy do you practice?
Do you have experience working with people in situations like mine?
What activities do you like to do in your sessions?
Get a referral
If you have a doctor or primary care physician, they may be able to refer you to a therapist or psychiatrist if you ask. Even better, they may find someone who takes your insurance.
Work around scheduling issues
Ideally, your therapist’s availability will match your availability. In the real world, syncing your schedules might be more difficult. However, if there is a well-qualified provider you really seem to click with, it’s worth seeing how flexible they can be in their schedule.
Let providers know your availability, even if it conflicts with their hours. You may have options. If childcare’s an issue, let them know that too and find out what they recommend.
If the provider can’t accommodate you, and you’re not able to compromise, ask for referrals to similar low-cost providers. Psychiatric appointments often recur weekly or monthly, so it’s important to find a time commitment that works for you. You’re more likely to keep appointments, avoid cancellation fees, and have successful treatment.
Know the different styles of therapy
There are several common approaches to individual counseling, and one approach may work better than another for each person. Most therapists use a combination of styles, but some of them specialize in one or more.
The most frequent styles you’ll encounter include:
Psychoanalysis — The in-depth discussion of feelings, emotions, and relationships that most people think of when they picture therapy
Behavioral therapy — An action-oriented approach that focuses on replacing negative or destructive behaviors with helpful, positive behaviors
Cognitive-behavioral therapy (CBT) — A style that emphasizes changing your thought patterns and beliefs in order to change your actions
Dialectical behavior therapy (DBT) — A style that teaches emotional regulation, mindfulness, distress tolerance, and other skills
Eye movement desensitization reprocessing (EMDR) — An approach that focuses on the pairing of eye movements with troubling thoughts and memories to help you process these thoughts and recover
Trauma-focused therapy — An approach that addresses the impact of traumatic events in your life
Rational emotive behavior therapy (REBT) — A style that emphasizes challenging irrational and unhelpful beliefs and working towards more healthy beliefs and actions
Holistic or integrative therapy — A style that blends different approaches and tailors treatment to your needs
Person-centered or client-centered therapy — An approach that allows you to take the lead and discover solutions on your own, while the therapist listens and provides guidance as necessary
Try at least six sessions
By six sessions, you should have a good sense of whether your therapist’s approach fits your needs. (Six sessions is also the minimum amount of time insurance companies in the U.S. give therapists to make a diagnosis.) If not, it’s fine to choose to work with someone else — the goal is to find what’s best for you.
How to pay for therapy
Usually, you’ll pay either per hour or per session. Since the typical therapy session lasts an hour, this often works out to roughly the same amount. However, the payment plan may be different.
For example, online therapy services generally charge per session. You’ll pay a monthly fee that covers a certain number of sessions up front (say, two or four sessions a month).
Paying with insurance
Your therapist may submit claims to the insurance company, or you may submit these claims yourself. Typically, you’ll review how billing will work in your first session.
After your therapy sessions, your insurance plan will bill you directly for the co-pay amount you’re responsible for. If you’re unclear on what this amount is and when you’re expected to pay it — usually the first of every month, but each plan is different — contact your insurance provider.
Depending on your plan, your insurance company may limit the number of therapy sessions they’ll cover in a year. Or they may want periodic re-evaluations to make sure you still have a diagnosed mental health condition.
Paying without insurance
If you don’t have insurance or your preferred provider is “out of network” (meaning they don’t accept your insurance plan), you’re responsible for paying the therapist directly.
But this doesn’t always mean you’re on the hook for the full fee. Sliding scale plans are common, especially at clinics. With sliding scale plans, you pay a certain amount or percentage of the full price based on your income. You’ll need to submit some financial information, but you can save a lot of money. Providers don’t always advertise the sliding scale plans they offer, so it’s worth it to ask.
And if you have coverage but you’re working with an out-of-network provider, you can use a health savings account (HSA) or flexible spending account (FSA) to cover the fee. Mental health expenses qualify under most HSA and FSA plans.
Read more: How to pick a health savings account
Summary
I know all of this information might be overwhelming. If you’re already anxious, the last thing you want is a long to-do list.
But these tips should make life easier:
If you’re anxious about cost, don’t be shy about asking up front. Just because payment options aren’t immediately available on a website doesn’t mean they aren’t there.
Don’t be afraid to have healthcare providers walk you through the treatment process, repeatedly if necessary. That’s their job!
Take the time to find a therapist you’re comfortable with. It’s worth it.
Friends may be willing to help with some of the details — a ride to a clinic if you need one, a coffee date after a stressful appointment, or childcare in a pinch. You don’t know until you ask.
Prioritizing self-care is not selfish. You’ll be a better employee, friend, partner, or parent if you’re healthy in mind and body.
Disclosing your condition to an employer is totally up to you. Learn the company’s policy on sick days and personal days if you haven’t already, and provide proper advance notice for any appointments during work hours. Ultimately, your health is your business, not anyone else’s.
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.
I’m not really sure about this whole expensive holiday gift thing. I know it’s supposed to be a way of showing love and appreciation, but I think it is too much pressure. Why not give a cheap holiday gift that they will actually use?
Plus a lot of people struggle with finding a Christmas gift for their loved ones, regardless of price.
Some people say that the best gifts are homemade, but not always. I am going to show you 101+ of my favorite cheap but thoughtful Christmas gifts ideas for someone who is on a budget or does not want to spend too much money.
These cheap Christmas gift ideas are for everyone on your list, from the family member you don’t know what to get them to the coworkers who always complain about not getting anything.
You will find the best advice on how to find the perfect present without breaking your budget.
The holidays are right around the corner, and it is time to start thinking about those gift lists! The holidays are about spending time with those closest to you, for many Americans it can be exceedingly difficult to find a decent gift for those from your close circle.
Why Cheap Christmas Gift Ideas
I know that you’re looking for some great gift ideas this year and we have you covered: adults, teens, kids, fashionistas, athletes, teachers, plus so much more!
There are so many inexpensive Christmas gift ideas that it can be hard to know where to start. This article will help you find the perfect present for everyone this holiday season.
The price range will be cheap Christmas gifts under $10 or nice cheap gifts for Christmas under $20. Some items maybe a little bit more expensive, but well worth the extra cost based on the idea!
Find over 250 cheap last-minute Christmas gifts (delivered by Amazon) on this list that I know the recipient will love!
Cheap Christmas Gifts for Adults
Easy cheap Christmas gifts for adults are those that can be afforded by the budget-conscious and the best part is still are awesome gifts.
These gifts usually have a handmade flair or personal touch to them to reflect the recipient’s personality.
To find cheap Christmas gifts for coworkers, you can pick any present on this list.
DIY Jewelry: This is one of the best ways to make multiple gifts for cheap. You can make many types of homemade jewelry.
Mug with their name on it: Make them smile with a customized mug just for them!
Coloring Books: Coloring isn’t just for kids. Adult coloring books are extremely popular and inexpensive to pick up an adult coloring book and colored pencils.
Magazines Subscriptions: Some ideas include National Geographic or Smithsonian. Great way to find new inspiration and ideas.
A Photo Album of your Memories: This can be a physical or digital photo album. A simple way to portray your friendship and experiences together.
Journal: Write down thoughts, ideas, or quotes that they love in the journal. Pick up a plain journal at Target for $5-$10.
Stickers: Add a few stickers from your collection, some ribbon, and scrapbook papers to decorate it!
Movie Night: A movie night with popcorn and some of their favorite movies is a thoughtful, inexpensive gift that everyone will enjoy. Buy a streaming movie or pass to the local cinema.
Handmade Gifts: If you have a knack for the arts and crafts, making a handmade gift is not only thoughtful but also can be very inexpensive!
Coffee or tea from their favorite coffee shop: There’s nothing better than a cup of joe or tea to start the day off right.
A Bouquet of Flowers: Get a bag of those colorful hair ties, and tie them to the stems for an extra special touch!
Collage Frame: A collage frame can be used as a picture frame, or it can be used as a decoration on the wall.
Holiday Decor: This is an affordable and practical gift for someone who loves to decorate their home for the holidays.
DIY-ed Ornaments: Get creative with this craft and let their imagination run wild!
Homemade Treats: Who doesn’t love cookies, chocolates, or homemade baked goods? Even canned salsa or jelly make great gifts!
Stockings: With any number of crafts available to make-you can’t go wrong with a stocking full of goodies for the holidays.
Cookies: Bake up some of your favorite holiday cookies and package them in a festive container for a sweet treat. Perfect to host a cookie exchange as a fun experience!
Comic Books: It can be no surprise to some adults when they think of all the hard work that goes into creating a comic book and see the end product. What’s even more surprising is that more adults don’t try them.
Handmade Gifts from Kids: If your child loves to paint, draw, or make things with their hands-this is the perfect opportunity for them.
Cheap Christmas Gifts for Teens
Coming up with Christmas gift ideas for teens can be tough. Teens are often too old to play childish games like Monopoly or Jenga, yet they’re not quite ready for more grown-up games like Trivial Pursuit.
There are a lot of inexpensive gift ideas for teens from the mall, but teens often want something more personal and unique to show they are maturing.
If you are looking for cheap gifts for teens, you can try any of these present ideas.
Gift cards are always a huge hit with this age group! Double bonus if you can make it a fun way to spend some time together. Make sure that your teen is comfortable with this idea.
iPod Touch / iPhone / iPad Accessories: A new case, screen protector, and a few apps are always great. Whether it’s to show off or just something fun, this is a great idea.
Journal: This gift will help your teens reflect on the year and all of the good things that happened!
Fun Colors to Write With: The festive design on these pens will make teens want to use them all year round. Fun gel pens are wonderful gifts for all ages; they are inexpensive and come in a variety of colors.
Fashion Designer Scarf: This gift will help your teen express his or her individuality while also staying warm during the winter months.
Room Decorations: Checking out new colors and themes for the room is a fun way to spend some time together. Plus they may be ready for a change from their younger decor.
Makeup: Teens love makeup and skincare items, so make it their job to pick out a few new things they want.
Candles: Having a nice scent can help relax and soothe your teen before bedtime. These versatile gifts come in many shapes. It is also how teens feel more grown-up.
Hand-Painted Mug: Handpainted mugs are perfect for all the coffee and tea lovers in your house, and they are so easy to make! This can be an experience gift, too!
Handmade Jewelry: this is an affordable yet creative holiday present
Trendy Socks: These are always a great gift for anyone. Not only does it keep your feet warm, but it can be fashionable too!
iTunes Gift Card: Let them download a favorite song or album.
Movies: Movies are a great gift to give especially if it’s one of their favorites or they’ve been wanting to see it!
Clothing: The recipient will love getting some new clothes-especially if they’re trendy and stylish, or their favorite store has a sale going on that you know about.
Special Treat: A special treat is a great way to show someone that you care about them and appreciate all they do.
Cheap Christmas Gifts for Kids
Kids are the most precious gift of all. They’re also notoriously hard to buy inexpensive presents for – they normally want gifts that are outside your price range! Fortunately, these Christmas gifts will have your child smiling from ear-to-ear.
Cheap easy Christmas gifts for kids are especially not difficult to find and you have plenty of inexpensive gift ideas, – plus your bank account will thank you for it.
At the end of the day, kids don’t really care what it costs as long as they like it.
Stuffed Animals: Give them the gift of a new favorite toy that they can hug and take with them everywhere-just make sure to tuck in an extra battery for their new favorite toy.
Paper & Stickers: A package of paper and stickers is perfect for kids who love to create their own projects or write notes, letters, or holiday cards. This pack is also perfect for young ones who are just learning how to write.
Colored Pencils & Crayons: Colored pencils and crayons are a fun way to keep kids focused on their art. These pens will help them create original masterpieces.
Customized Shirts: A new shirt is a great way for kids to express their personality, and it can also be an easy outfit of the day solution when they’re running out the door.
Puzzles: Puzzles are a great way for kids to learn new skills and stay entertained on rainy days. They also make excellent stocking stuffers!
Ice Cream Variety Pack: A yummy variety pack of ice cream will make their day.
Play Doh: Kids love play doh, and it’s a great way to keep them entertained for hours! It also makes a great stocking stuffer.
Colorful Pens: Kids love to color, so give them the opportunity with some bright new pens! They’ll have fun for hours doodling on all their things.
Slime: Slime is all the rage right now, and kids can make their own with this kit.
Sippy Cups: Kids love sippy cups because they’re fun and easy to drink from! They also come in a variety of designs and colors.
Kitten: They will love this sweet little creature that they can cuddle up with in winter.
Fidget Toys: Fidget toys are a great way to keep kids entertained and focused with some fun. They come in a variety of colors and shapes, making them perfect for all ages!
Star Night Light: This was one of my daughter’s favorite gifts (even her older teen brother was jealous). Huge hit to light up the wall at nighttime.
Remote Controlled Car: A remote-controlled car is a great gift idea because it can be played indoors or outdoors. It also makes for hours of fun!
Make Your Own Soap Kit: This kit will allow your child to make their own soaps at home with some fun ingredients. They have a variety of colors and scents available which they can use to customize the soap for their own preference.
Board Games for Kids: Board games are a great way to keep entertained while bonding with their friends and family. They come in different levels of difficulty, making them perfect for all ages.
Nature Exploration Set: A nature exploration set will help to inspire your child’s curiosity and creativity. The kit includes a journal, binoculars, magnifying glass, and more!
NERF: NERF toys are classics for kids of all ages. They’re great to take on family vacations or just to play with friends.
Dolls: Dolls are a classic toy for girls and they come in all shapes and sizes. From Barbie to Baby Alive, there’s plenty of options available!
Spirograph: A Spirograph can keep kids entertained for hours. They design pictures with the help of an included pen and paper.
Rock Painting Kit: A rock painting kit will allow kids to express their creativity by decorating rocks.
Bead Kit: A beading kit is a great way to teach kids about colors and patterns. It also teaches patience as they work with the small beads
Sewing Kit: Sewing kits allow kids to create their own stuffed animals and clothes for themselves.
Drawstring Backpacks: Helpful to keep their stuff organized on outings, vacations, or events when the kids need to be entertained.
Kids love getting gifts, and these cheap Christmas gifts ideas are perfect for any child!
Best Cheap Gifts for the Foodie Cook
One of the most difficult parts about shopping for a gift is coming up with creative ideas.
This list is full of affordable gifts is perfect for that friend or family member who loves to cook and bake!
Here are some of the best cheap gifts for the foodie cook.
Charcuterie Board Set: This is the perfect gift for the foodie that loves to cook with meat. It provides an assortment of meats, cheeses, fruits, and bread in a beautiful wooden tray.
Mason Jar Set: This gift is perfect for a friend or family member who loves to cook. The set includes six pint-sized jars with lids and can be personalized with the recipient’s name.
Salt and Pepper Grinder: This set comes with salt and pepper grinders for the foodie who loves to cook.
Gourmet Spices: Spice up a friend’s cooking experience with this assortment of spices from around the world.
Frother: Perfect for milk frothing for coffee, lattle, milk shares, hot chocolates, and matcha powder. You need one of these and everyone else around you does too!
Mini Stand Mixer: This is a perfect gift for a friend who loves to cook and bake! The mixer comes with attachments such as a whisk, dough hook, and flat beater.
Fondue Pot: This pot is perfect for families that enjoy eating together! The set includes a fondue pot, forks, skewers, dippers, and dipping sauces.
Cookie Press: This press is perfect for a friend who loves to bake! The set includes a cookie press, dough sheet mold, rolling pin, and recipes.
Oven Mitts: You don’t want your foodie gift receipeint to burn their hands. Replace their worn-out oven mitts with one of these stylish oven mitts.
Hot Sauce Set: Every foodie needs some hot sauce in their fridge. This set includes 3 bottles of the hottest sauces around, plus a recipe book for beginners.
Spice Rub Set: Give your foodie friend the gift of spices especially if they love to grill or have a Traeger! This set includes salt, pepper, cumin, chili powder.
Teapot Set: This is for all those tea drinkers out there. This set includes a teapot and infuser ball.
Tea Bags: Add on to the teapot set and deliver a set of tea bags with a bunch of different flavors.
French Press: French press brewing prevents an over-extraction of flavors; the grounds only add flavor regardless of how little or how much coffee is steeped. Expand their coffee experience!
Coffee Grinder: This is for all those coffee drinkers out there who like to make their own custom blends.
Bamboo Cutting Board: Over time, we all have to replace our words cutting boards at some point. So, this makes a chop-worthy gift.
Tea Towels: These are great for drying dishes, wiping counters and so much more. Find a catchy saying they will love to display!
Sourdough Banneton Proofing Basket: If they are hooked on the sourdough trend, then they need one of these to elevate their breadmaking skills.
Bread Lame Scouring Tool: A must for anyone who makes sourdough breads!
Batter Bowl: This is a great kitchen tool for mixing batters, making pancakes, and more. It will be a welcome addition to the kitchen!
Flour Sifter: This is another one of those necessary tools in the kitchen.
Coffee Mug: For coffee lovers, this is a great gift idea!
Salt Cellar: This is a nice addition to the kitchen and it will hold those hard-to-reach salt and pepper.
Cheese Plane: This tool makes cutting cheese into perfect, uniform slices – making cooking and serving a breeze.
Saute Pan: This pan is great for frying, sautéing, and more! It’s perfect for the average home cook or budding chef.
Zester: This handy tool is perfect for adding flavor to dishes with just the slightest touch.
Meat Thermometer: This is a tool that can’t be beaten especially for the grill master. This one is by far the best on the market!.
Pizza Cutter: This is an essential kitchen tool for any pizza lover!
Ice cream scoop: This ice cream scoop is perfect for any ice-cream lover. It comes in 2 different sizes of scoops and they come in a variety of colors.
Cooking Class: Give them the gift of cooking skills-it’ll be something they can use for years to come!
Best Cheap Gifts for the Homebody
Holiday shopping can be a stressful time, but not to worry. Here are some great gifts for the person who has everything and doesn’t want anything.
Consider these cheap, homey gifts that will please any loved one or host.
Weighted Blanket: For those who love to cozy up with a blanket, this one might be the perfect weight and size for them.
Hot Cocoa Mix: This is an easy way to ensure that your loved ones have a delicious treat from their kitchen.
Wool Socks: This is a great item to have on hand for the winter months.
Tea Infuser: This one will help your loved ones in their journey of self-discovery.
Homemade Snow Globe: Grab a this snow globe kit and make your loved ones their own little winter wonderland.
House Shoes: A pair of these comfortable shoes will be something your loved ones can wear around the house.
Cozy Blanket: These blankets are made to keep you warm and cozy during those cold winter nights.
Popcorn Popper: This is a fun gift that they will all enjoy especially on movie night.
Jigsaw Puzzle: Give them a puzzle that will keep their mind sharp and occupied.
Board Games: More than likely they prefer to have people over to enjoy good old-fashion board games and a night of laughter with friends!
Comfy Pajamas: A new set of cozy pajamas is sure to be a hit with the kids.
Robe: A new robe is a great gift for those who love to lounge around in their comfiest clothes.
These are some Cheap Christmas Gift ideas for those who are on a budget!
Best Inexpensive Gift Ideas for Spa Lovers
The perfect gift for anyone who loves to pamper themselves is a spa gift card. Spa gift cards are the perfect present because it gives the recipient freedom over what they would like to do during their stay.
There are many different spa gift cards available on the market, so it is easy to find one that suits the recipient’s personality and budget.
If you can’t find a group of people to go in on this idea, then turn their home into a spa experience.
Bath Salts: These are perfect for the person who loves to relax and take baths. All they will need is a nice scented candle or bath bomb, their favorite book, and these salts to make themselves feel like royalty.
Candles: These are perfect for the person who loves to relax and read, or just has a nice smelling home. There are many different scents available so it is easy to find one that suits the recipient’s personality.
Aromatherapy: This gift idea is perfect for those who want an inexpensive yet thoughtful gift. There are many aromatherapy oils to choose from, but the two most popular would be lavender and peppermint
Diffuser: These are perfect for someone who enjoys a deep and restful sleep, as well as those who enjoy shut-eye at night to take away any stresses or worries. A few drops of these oils in a diffuser or humidifier will soothe the recipient and ease them into relaxation before bedtime.
Tea: This is perfect for the person who enjoys a good cup of tea. A nice box of loose leaf teas is sure to be appreciated and used for many, many years to come!
Cookies: This may seem like a typical and uninspired gift that most people would choose, but it is thoughtful and they will appreciate the thoughtfulness.
Scalp Massager: This is great for those with a sensitive scalp. It helps to soothe the skin and will leave them feeling relaxed
Shower Speaker: This is a great gift for someone whose favorite song isn’t Top 40. They will be able to listen to their music while they shower.
Manicure Dip Starter Kit: This is a great gift for those who love to paint their nails
Hyaluronic Acid: Help maintain the hydration of the outer layers of skin, which helps to improve its appearance.
Hair Mask: This is a great gift for someone who loves to pamper themselves, especially if they are in need of moisture.
Lip Sleeping Mask: A gentle overnight moisturizer for dry, sore lips.
Microfiber Hair Towel Wrap: This is a great gift for someone who spends a lot of time in the pool or at the beach. It is quick and easy to help dry your hair faster.
Handheld Massager: Seriously, this is the best gift ever. Plus the cost has been coming down each year.
Cheap Gift Ideas for the Fashionista
If you are looking for an affordable, fashionable gift idea that is also fun and creative then this list has something to offer you.
Here are some ideas for the fashionista on a budget.
Scarf: Scarves are always in style and can be found anywhere. You can get a nice one for only about $25, depending on the brand.
Tote bag: A tote bag is a necessity for school, the mall, and even just running errands around town. You can find them anywhere from $5-25 depending on what type you want.
Pandora Bracelet: The Pandora bracelet is a beautiful piece of jewelry that can be bought with any budget in mind, and it’s a great option for people who want to give something that will last. Great gift to add charms each year.
Earrings: Earrings can be a great gift for someone you know who is really into fashion. You can find them at the drugstore or even in some clothing stores, and they cost anywhere from $5-20.
Belt: A belt is great for someone who doesn’t have too many accessories, or if you just want to spice up an outfit with a new piece of jewelry.
Hair Clips: Hair clips are a great gift for someone who spends most of their time at home because you can clip them in your hair to keep it out of the way while you do chores. Also, great for those trendy messy up-dos!
Felt Hat: A felt hat can be a great gift for someone who goes to the beach a lot, or just likes wearing hats because it’s cold outside. They last longer than other types of material and they can be a really inexpensive gift.
Jewelry Dish: Find a small dish at the dollar store and decorate with paint or fabric to make it look pretty!
Re-gift Jewelry: Add jewelry from your old collection that you don’t wear anymore (maybe some old costume jewelry?).
Sunglasses: Sunglasses are one of the most popular Christmas gifts, and they can be found cheaply at many stores. I bought a pair for under $15!
Watch: Watches can be found at many stores for a cheap price. Watchmakers are competing to lower their prices as they try and go against the trend of cell phone watches, which is why you can find a nice watch for under $10.
Sweatshirt: A good sweatshirt is a woman’s best friend. It will keep you warm during the winter and can easily be dressed up or down depending on what you’re wearing-It doesn’t have to be too expensive either, with most stores having sales or clearance racks that are perfect for picking up gifts.
Nail Polish: The best thing about nail polish is that you can buy it in a lot of sizes, from the little bottles that are perfect for stocking stuffers to larger ones that come in packages of 5 or more. Great stocking stuffers!
Yoga Pants: We all know yoga pants are a girl’s best friend. But, y’all the prices of these yoga pants are amazing, and did I mention how many I have given as cheap gifts?!?!
Winter Gloves: Some people might think winter gloves are odd to put on a Christmas list, but they make such great stocking stuffers!
Shopping Bag: This is a great present for someone who likes to shop! I know what you’re thinking, “how do they not have one?”
A New Outfit: Even if the person you are buying for is not a fashionista, clothes still make great gifts. And if you know what their favorite style of clothing is then nows the time to indulge them in some new clothes!
Some suggestions are old and some are new, but all of them will be perfect for the person you want to give a gift to.
Cheap Gift Ideas for the Makeup Artist
Check out these cheap beauty Christmas gifts for the makeup artist on your list. These are great for anyone that has a budget of $10 or less.
Makeup: Find out what brands your friends, family members, or classmates like and buy them the makeup in that brand. You can find this information at their favorite retailers or by asking around to see which brands they wear.
Nail Polish: Buying nail polish as a gift is a great idea because you can buy them the exact color they want to wear and it’s usually not too expensive.
Perfume: If your budget is $10 or less, you can buy a nice perfume that smells great and it will be something they use often.
Bath Bomb: If you’re shopping for someone who needs to relax, then a bath bomb is the perfect gift.
Specialty Coffee Mug: You can find these for fairly cheap and they’re something that people will use every day so it’s great. Find a fun coffee mug with an artsy flair!
Lip Stain: Lip stains are a really popular product because they’re long-lasting and come in so many colors. This is perfect for someone who loves makeup!
Makeup Brushes: Any good makeup artist knows the quality of the brush makes a difference. You can find a decent brush at an affordable price!
Silicone Makeup Sponges: These are perfect for applying makeup evenly and providing coverage.
Reusable Beauty Products: For the eco-conscious, find plenty of reusable beauty products. You will be surprised at this list.
Gather all of these makeup supplies and put them together for a creative gift basket!
Cheap Gift Ideas for the Athlete
Sweating is gross, so this guide has come to help! It’s tough when you have an athlete in the family because they are always on the move.
Athletes will have to replace their equipment and clothing because of use.
Here are some nice, thoughtful gift ideas for the athlete on your list!
Water Bottle: Sometimes I feel like I can never have enough water bottles!
A pack of compression pants: I wear them for my sport because they help with the swelling and protect against injury.
New backpack: I use mine all of the time!
Headphones: These allow people to listen to their favorite music or podcast while getting the sweat on.
Full-zip fleece jacket: I love being able to bundle up when it gets cold! This is a thoughtful guide for the athlete on your list for before and after workouts.
Polarized Sunglasses: These help protect eyes from glare and add style to any outfit.
Music Subscription (ad free): This is a great gift for the athlete who loves music!
Yoga Mat: Yoga mats are great because they’re environmentally friendly and also come in a bunch of different colors. Sometimes it’s nice to be able to stretch out and do some poses on your own. Plus the experts say we should stretch every day.
Sports Watch: Preferably with stopwatch and alarm clock. THey need to time those tabata crossfit workouts.
Running Gloves: These are thoughtful gifts for someone who loves the outdoors and running.
Foam Roller: A great gift for the athlete who is looking for a little bit of extra relief.
Folding Bike: This is a thoughtful gift idea for someone who loves to bike ride but doesn’t have space for a bike. This one is more expensive, but a great idea to go in with others on!
Sports Massage Oil: This is a thoughtful gift for the runner, cyclist, or anyone who gets sore muscles. Pick a hand massager to go with it!
Camouflage Pillow: This is a great present for an outdoorsy person who has their head in the clouds.
Good Socks: Have you ever smelled the stinky socks?!?! Enough said.
Sports Tape: The runner in your life will need this present to keep them on the go.
Sports Bra: This is a great present for someone who participates in any activity that requires it! One that fits well and is made of quality materials. Plus an affordable price!
Fleece Headband: This is a great present for the runner in your life who also likes to wear their hair up when they’re not running.
Yoga Pants: This is a great present for someone who likes to keep their activities active. Or just wears yoga pants every single day to be trendy. No one needs to know why! These are my favorite brand.
Athletic Shorts: This is a great present for the person in your life who likes to wear their athletic shorts outside of working out. Plus, come on it’s not like they’re going to be wearing them over clothes so people would notice.
Resistance Bands: These are great for the person who likes to keep their workouts active, but doesn’t have a ton of space.
Light Set of Weights: Everyone needs to have some weight training as part of their workouts. Pick up three or five pound weights to help them reach their workout goals.
Armband for Phone: When you workout, you may want to keep your phone with you to track the steps or distance you worked out. This is an armband to keep your phone and simple enough to change your workout music.
Latest Fad Cookbook: In need of a great gift idea for the person in your life who likes to cook but always seems to have not-so-perfect dishes? This is perfect! Gift them this latest fad cookbook and they’ll be able to make all the popular, Instagram-worthy dishes that you see on TV.
Sneakers: Maybe you are lucky enough to score a pair of comfortable, breathable athletic sneakers on clearance!
I’m sure they’ll be appreciative of any one of these gifts!
Cheap Gift Ideas For Teachers
This list of cheap teach gifts for Christmas will help you choose a thoughtful and useful present that won’t break your budget.
Essential Oil Set: A true favorite for teachers who like to use aromatherapy in their classrooms or at home. This is our favorite essential oil set.
Stress-relief Hand Sanitizer: Teachers are always on the go, so they can use a little help to keep them stress-free. Plus, germs are no fun for anyone!
Personalized Mask Lanyard: Personalize your teacher’s mask with their name, school mascot or work logo.
Tiger Balm: This is a classic product for teachers and athletes alike! Tiger balm will help soothe your aches and pains.
Lounge Pants: Nothing reminds a teacher of home like their favorite TV show! A few years ago my mom gave me a really cute pair of lounge pants and I still wear them. The cut is oversized with pockets for my phone and remote which make it perfect for relaxing on the couch.
Smart Plugs: These plugs can be controlled on an app from anywhere. That means the teacher doesn’t have to worry about forgetting to turn their lights off before they left for work.
Personalized Stamp: A teacher’s stamp of approval is the best kind. This personalized stamp will help teachers quickly get through their paperwork.
Amazon Gift Card: Teachers deserve to take a breather and use some of their hard-earned cash on themselves. A gift card is the perfect way for friends or family members to say “thank you.”
Wireless Headphones: Music is a great way to get the energy going and keep kids psyched up, but it can be tough when they’re working on group tasks. Wireless headphones like these ones from Sony
Day-by-day Calendar: The last thing teachers need is to scramble for a blank piece of paper whenever they want to jot down notes. The day-by-day calendar is perfect because it’s got enough space for writing, but it’s compact enough to tuck into a drawer.
Magnetic Dry Erase Whiteboard: After all the long hours spent at school, who wouldn’t want their own personal whiteboard where they can write, draw, and erase?
Lunch Boxes: There is nothing better than a home-packed lunch. These stainless steel containers are compact enough to carry with you, but they’re also roomy enough to hold a sandwich, fruit, and veggies.
Educational Activity Books: If you’re looking for something that’s not only fun, but chock full of learning activities and information, these books are perfect for further learning.
Cheap Christmas Gifts for Mom or Her in your life
All of these are great inexpensive ideas for buying on a budget
Shopping for a great gift for women or moms can be hard, but not too much with these affordable options.
Little Succulents: This is a cute DIY gift. All you need are succulents, a pot with dirt, and some other accessories if desired.
Bath Bombs: These are great for anyone, including people who enjoy a good bath every now and again. They come in various scents so you can find something that is sure to please.
Chapstick: This is perfect for the person in your life who always has chapped lips or complains about dry skin on their hands when they are outside too long during winter months.
A Book: It may seem like the most unimaginative gift, but it’s perfect for someone who enjoys reading and is looking for something they haven’t read yet. Books are also a great way to get someone hooked on a series so you can recommend their next read.
Slippers: These are perfect for the person in your life who is constantly complaining about how cold their feet are.
Candles: This is a perfect gift for someone who enjoys relaxing or reading after dinner and the scent fills up the whole house with aromatherapy benefits.
A Scratch Off Map: This is a great gift for someone who enjoys traveling or seeing the world. It’s very personalized and they can see how many countries they have visited.
A Coffee Mug: This is a great gift for the coffee lover in your life. You can put anything on it such as their favorite book, television show or artist and they will be reminded of you every time they drink their coffee.
A Memory Blanket: This is a great gift for people who are always cold and it can go with them anywhere in the world because it folds up easily.
A Personalized T-shirt: This is a great gift because it’s very personal and you can put anything on the shirt that has meaning to them such as their favorite sports team, favorite food, or where they have traveled.
A Personalized Finger Drum: This is a great gift for anyone who loves to play drums because it has their name engraved right on the drumhead.
Cheap Christmas Gifts for Men
The following items are inexpensive and will make any man, dad, or boyfriend insanely happy! The cheapest gifts can be the best!
Here are some budget-friendly, manly, fun, and creative ideas for Christmas presents.
A New Shirt: You can find many options for cheap shirts. Grab one with a funny saying he would enjoy for an out-of-the-park win!
Belt: Belt prices vary by brand, but can be found for as low as $10.
Wallet: Wallets can also vary by brand and cost, but often end up being around $15.
New Socks:: Many men enjoy their sock collection. You can always add on to replace their worn-out socks.
A Tie: Ties can be found for as low as $5.
Watch: The watch market is a tough one to navigate, but if you know your partner’s style and budget beforehand it can be easier to find what you’re looking for.
A Tie Clip: You can usually pick one up for $5 or less, and it’s something that he’ll wear every day!
Old-school Vinyl Record Player: Old school vinyl is making a comeback and can be found in all sorts of different styles.
Latest Board Game: Board games are always a fun gift idea. You can pick up the latest hot game for less than $20
A Good Book: A good book is always a great gift idea. You can find them for as low as $5 and books are something that never goes out of style!
Cash: Let’s be honest… most men like to have the cash to spend as they please with no questions asked.
Cheap Christmas Gifts for Friends
You may not have a lot of money for this Christmas, but that doesn’t mean you can’t give your friends something thoughtful.
These inexpensive items may not be the most lavish of presents to give a friend this year, but they are sure to be appreciated and useful!
Whimsy Kit: A Whimsy Kit is a small package that includes activities such as drawing, coloring, and collaging. It can be used in classrooms or at home to relax and have fun.
Poster Board & Markers: A poster board and markers are perfect for making holiday cards to send out or decorating with a festive design.
Fun Scrapbook Pens: Fun pens are a wonderful gift for any age to bring color to their writing, coloring, or journaling.
Scented Candles Kit: Scented candles can be used for the holidays, but they also make a great gift for any time of the year. The smell will bring a warm and cozy feeling into your home.
Gold Foil Blanket: A gold foil blanket is perfect for snuggling up in the car when you are stuck in the car!
Cute Pillow Case: A new pillowcase is a fun way to change things up in your bedroom or living room. The best part about these gifts are that they can be given with other items, like the gold foil blanket or a fun pillow.
Comfy Socks: When it’s cold outside, there is nothing more comforting than a good pair of socks. These make a great gift for someone who spends most of their time at home or just loves to relax.
Bracelets: Jewelry is a great way to show someone you care. Bracelets are not only cute but they go with any outfit!
Christmas Ornament: A Christmas ornament makes for the perfect stocking stuffer. They are usually inexpensive and they can be used year round to decorate your home for the holidays.
Christmas Fun Pack: It is always fun when Santa sends a surprise in the mail, so why not surprise your friends with a Christmas Fun Pack!
Shower Steamers: These will make a great gift for someone who is your best friend, especially if they like to take long showers.
Flashlights: These are fun and practical gifts that will come in handy during the dark days of winter.
Tissue Box Covers: A unique and inexpensive gift for the person who has everything, these tissue box covers will make any house seem a little more homey during cold winter months.
Chocolate: For the person that has everything, you can’t go wrong with some chocolate.
Cheap Christmas Gifts for Coworkers:
A quick, easy, and affordable way to get the perfect gift for your coworkers this Christmas is by giving them a coworker appreciation gift basket.
These inexpensive gifts are great for bosses or employees. They can be personalized so it’s a gift that will really stick with your coworkers.
Planner: This is a great way to give your coworkers something they will really use. They can write down their goals, schedule, and use it as a to-do list.
Personalized Stationery: This is such an adorable idea and can be so much fun for everyone involved. These are the perfect gifts that will make your coworkers feel special this holiday
Putting Green: This is a great gift that they can use to practice their putting skills in the comfort of their own office.
Desk Organizer: A desk organizer is a great way to start your day off with a clean and organized workspace.
Timeless Candle: This candle helps you enjoy the holidays or winter season while relaxing in the office.
Coffee Mug: Every office needs a good coffee mug to stay energized and motivated throughout the day.
Personalized Mouse Pad: You could get them their favorite movie, sport or hobby as a personalized mouse pad and they’ll enjoy using it every day at their office.
Luxury Pen: This is the perfect gift for that person who has everything and needs something to help them write down their thoughts and ideas.
Desk Lamp: A desk lamp can help you read in your office when it’s dark outside so all the daylight hours are available for working on projects or catching up on paperwork.
Ink Pen: This is a great gift idea for anyone who likes to write or doodle. You could get them this as a refillable pen and they can use it to write down their thoughts or ideas.
Laptop Tote Bag: This is the perfect gift for anyone who likes to travel and needs something stylish but functional to carry everything in one place.
Plant pot & planter: This is a great gift for someone who likes to spend time in their garden or on the porch. You could give them this as an opportunity to grow something new and have something beautiful in their office that is all their own.
Journal: This is a classic gift that people like to get for themselves or others. You can find many different styles and sizes of journals, making it easy for you to find the perfect one for your recipient.
Watercolor set: This is a great gift if you know someone who loves to paint or draw. It is an opportunity for them to tap into their creative side while also having the materials that they need to create something beautiful or special for someone else.
Keychain: This is a great gift for anyone because everyone needs keys! You can get them a keychain that has their name on it, or you can get them a cute one for someone they love.
Laptop sleeve: This is a great gift for anyone who has to have their laptop with them at all times. They come in so many different colors and designs, so you can find one that fits your friend or family member perfectly!
Monitor riser: If you know someone who has a desk job, they’re probably struggling to stay focused on their screen. This is the perfect gift for anyone who spends time at work looking down all day!
Best Cheap Christmas Gift of them All – Gift Card:
A gift card is a prepaid credit or debit card that can be spent in any number of stores, restaurants, and other venues as desired by the purchaser.
This option is great for people who are the “hard to buy for” type.
Even a $10 or $20 gift card to somewhere they like is better than a gift to sit on the shelf unused.
Giving a gift card is always an easy way out, but it can be more useful than materialistic gifts they may not use.
You can never go wrong with a gift card to their favorite store!
You can Buy Cheap Christmas Presents that Look Expensive
I know that this time of year can be so busy and stressful. It’s hard to find the perfect gift for everyone on your list, especially when you have a tight budget. But there are so many fun and creative ideas that won’t break the bank.
You’ll find the perfect gift for everyone on your list!
Hopefully, you can find cheap Christmas gifts under $20 or less. Most of these power ideas you can pick up on Amazon or Etsy.
Christmas is often a time where people try to get the best gifts for their loved ones. In order to make these gifts more affordable, it’s smart to think about ways that can lower expenses.
One way to do this is by choosing gifts that can be combined with other items. Or even choosing a no gift Christmas.
It is always fun to give a gift to someone special on Christmas. However, sometimes you feel uncertain about what the perfect present is for somebody else.
We hope you’ve enjoyed our cheap but thoughtful Christmas gift ideas!
With these items, your loved one will have a great Christmas! Be sure to check our blog for more money saving tips!
Need More Inexpensive Christmas Gift ideas?
Know someone else that needs this, too? Then, please share!!