The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
An authorized user is an individual added to a credit card by the owner of the account or primary cardholder. The authorized user, also referred to as the additional cardholder, can make purchases using the credit card, although the responsibility to make payments falls on the primary cardholder.
Building credit from scratch can be a difficult task, especially for those with limited credit knowledge. One way to get your feet wet with credit is by becoming an authorized user on someone else’s account. As an authorized user, you can leverage someone else’s positive credit habits to improve your own creditworthiness.
However, there are important factors to consider before becoming an authorized user yourself or adding an authorized user to your account. Read on to learn more.
Table of contents:
What is an authorized user?
An authorized user is a person added to someone else’s credit card account who has permission to make charges. The main user who owns the account is the primary cardholder, while an authorized user is sometimes referred to as an additional cardholder.
Who can be an authorized user?
Anyone can be an authorized user, provided they meet the card issuer’s requirements and the primary cardholder adds them to the account. Typically, the primary cardholder and authorized user have an established, trusted relationship.
Here are the most common scenarios where adding an individual to your account is beneficial.
Parent/child: Parents may add their children as authorized users to their account to help them build credit history and give them access to the line of credit for emergencies or family expenses.
Employer/employee: Business owners may add trusted employees as authorized users for business-related expenses.
Couples: Couples may designate one spouse as the primary cardholder and the other spouse as the authorized user, especially when one partner has a higher credit score than the other.
Is an authorized user responsible for credit card debt?
No, being an authorized user doesn’t make you responsible for paying credit card debt. While an authorized user can make purchases, payment responsibilities fall to the primary cardholder. Authorized users have no legal responsibility to make payments.
How does being an authorized user affect your credit?
Accounts you’re an authorized user of are typically included in your credit report, which can help you build credit history. Also known as piggybacking credit, this allows you to use the primary cardholder’s positive credit habits to build your credit.
While being an authorized user can help increase your credit score, it can also have the opposite effect. If the primary cardholder falls behind on payments or maintains a high credit utilization ratio, this can negatively impact your credit.
It’s important to note that not all credit card issuers report authorized user activity to the three major credit bureaus. Consider checking with the primary cardholder’s issuer before becoming an authorized user to make sure they report to the credit bureaus.
How to add an authorized user
To add an authorized user, reach out to your credit card company online, by phone or in-person. Your credit card company will likely require the authorized user’s name, address, birth date and Social Security number to add them to the account.
Once you add someone as an authorized user, your credit card company will mail you a second card that the authorized user can use, although you can decide whether or not you give it to them. Keep in mind that you don’t need to give the authorized user a physical card for them to receive the credit-building benefits.
Here are additional tips to remember when adding an authorized user:
Only add authorized users you trust since they will have access to your credit line.
If your credit card company offers this option, consider setting up spending limits for authorized users to prevent overspending.
Set up alerts to notify you when an authorized user makes a purchase.
How to remove an authorized user
You can easily remove an authorized user if your circumstances have changed. Similarly to adding an authorized user, just contact your credit card company and request the authorized user be removed from the account. Consider also contacting the authorized user to notify them that you’re removing them from the account.
Here are some circumstances in which you may want to remove an authorized user from your account:
There’s been a change in relationship: For example, if your partner is an authorized user on your account and you break up
The account has been misused: If an authorized user is overspending on your account and negatively affecting your finances. For example, if your teen’s spending habits are out of control
There are also scenarios in which you may want to remove yourself as an authorized user from someone else’s account, such as:
You achieved financial independence: If you’ve established a credit history and no longer need access to the account, consider removing yourself to manage your finances independently.
The primary cardholder’s poor credit habits are affecting your credit score: If the primary cardholder is falling behind on payments, your credit could also take a hit, so it’s best to cut ties.
Joint credit card vs. authorized user
A joint credit card allows two people to share one account equally. The main difference between an authorized user and a joint credit card is who is legally obligated to make payments. While both parties are responsible for paying debt on a joint card, an authorized user isn’t required to make payments.
Keep in mind that fewer credit card issuers are offering joint accounts since companies prefer that only one individual is liable for the account. Meanwhile, most credit card issuers offer the option to add authorized users.
Authorized user FAQ
Still unsure whether becoming an authorized user is right for you? We’ve answered some common questions below.
How old do you have to be to be an authorized user on a credit card?
Some credit card issuers have age requirements ranging from 13 to 16, while others have no minimum age requirement.
How long does it take for authorized user accounts to show on your credit report?
Authorized user accounts will typically appear on your credit report within 30 to 45 days after you’re added to the account, as long as your credit card issuer reports to the credit bureaus.
What is the difference between having a cosigner and becoming an authorized user?
A cosigner shares responsibility for repaying the debt, while an authorized user isn’t legally obligated to make payments.
Monitoring your credit as an authorized user
Becoming an authorized user is a great way to kick-start your credit journey. As you start to build credit, it’s important to monitor your credit and ensure that no inaccurate negative items are impacting your score.
When you sign up for a free credit assessment with Lexington Law Firm, you’ll receive your credit score, credit report summary and a credit repair recommendation. View your credit snapshot today.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Brittany Sifontes
Attorney
Prior to joining Lexington, Brittany practiced a mix of criminal law and family law.
Brittany began her legal career at the Maricopa County Public Defender’s Office, and then moved into private practice. Brittany represented clients with charges ranging from drug sales, to sexual related offenses, to homicides. Brittany appeared in several hundred criminal court hearings, including felony and misdemeanor trials, evidentiary hearings, and pretrial hearings. In addition to criminal cases, Brittany also represented persons and families in a variety of family court matters including dissolution of marriage, legal separation, child support, paternity, parenting time, legal decision-making (formerly “custody”), spousal maintenance, modifications and enforcement of existing orders, relocation, and orders of protection. As a result, Brittany has extensive courtroom experience. Brittany attended the University of Colorado at Boulder for her undergraduate degree and attended Arizona Summit Law School for her law degree. At Arizona Summit Law school, Brittany graduated Summa Cum Laude and ranked 11th in her graduating class.
Ben Affleck and Jennifer Lopez, aka Bennifer, have finally found their perfect love nest — one that’s modeled after a famous queen’s lavish chateau.
It may have taken them two years and three failed escrows but the wait paid off because this mansion is the ultimate luxury home for the power couple.
Many were confused over the stars’ indecision to commit to buying a property. With an unlimited budget at their disposal, it was a little out of the ordinary that these A-listers kept changing their minds.
According to reports, the two looked at mansions in the range of $35 to as high as $85 million in the most exclusive neighborhoods. But none of them quite passed the mark, leading people to believe that there was trouble in paradise. Or are they just really picky?
All doubts were cast aside when the lovebirds set their eyes on this mansion. They instantly fell in love with the property! They paid $61 million in cold cash and the deal took just one week to close, per TMZ.
What’s not to love? This stunning mansion is inspired by one of the most iconic chateaus in history.
The mansion was modeled after Marie Antoinette’s chateau, Le Petit Trianon
Dubbed the Wallingford Estate, the Beverly Hills abode features French-style architecture that was originally modeled after Marie Antoinette’s private chateau, Le Petit Trianon.
The queen’s manor, located on the grounds of the Palace of Versailles, was a gift from her husband, King Louis XVI.
Known for her love for all things opulent, Marie Antoinette adored her private estate. It served as a place of refuge, where the queen staged operas, productions, and lavish parties.
See also: 24 celebrities who live in Beverly Hills & their million-dollar homes
The Wallingford’s exterior features stately columns, large windows, and a rectangular shape that echoes the iconic design of Le Petit Trianon.
While the interiors have been modernized with state-of-the-art technology and contemporary furniture, it still retains its French Neoclassic ambiance.
Ben and J.Lo’s house has 12 bedrooms and 24 bathrooms
Situated on a 5.2-acre lot, the megamansion boasts a total of 12 bedrooms and 24 bathrooms across an impressive 38,000 square feet of indoor living space — providing plenty of living space for Ben and Jen’s blended family.
You can take a closer look inside Ben Affleck and Jennifer Lopez’s new mansion here (swipe to see the revamped interiors):
The couple are co-parenting peacefully with their exes (Jennifer Gardner and Marc Anthony) and share five children between them.
There won’t be any shortage of space for their big family in this huge mansion!
Like its sprawling grounds, everything about this house is grand. The double-door entryway opens to an expansive living room with double-height ceilings and large skylights that make the space even more massive.
White walls with frame molding display sophistication, while large windows allow plenty of natural light to brighten up every corner of the open floor space.
JLo previously shared a glimpse of the mansion’s downstairs area on Instagram while celebrating the success of Mother with her friends. Walking from the stairs to the bar, fans got a view of the gorgeous interiors of the ground floor.
Another highlight of this property is its secured grounds — a top requirement among high-profile celebrities. The mansion is surrounded by tall hedges and comes fully fenced with secured entrance and exit gates from two different private streets.
This design layout safeguards the often-photographed couple from prying eyes and paparazzi. And we know all too well how much Ben Affleck ‘loves’ paparazzi, don’t we?
Recreational amenities include a 155-foot-long infinity pool, a home theater, spa areas, a full-service salon, and a sports complex complete with a basketball court, a pickleball court, a fully equipped gym, and a boxing ring.
Visitors can also enjoy a slice of luxury living in the 5,000-square-foot guest penthouse. This structure also houses the garage area, which is large enough to fit 90 cars!
It’s one of the most luxurious homes in all of Beverly Hills
Fitting for one of Hollywood’s most famous couples, Ben and Jennifer’s new house is one of the city’s most impressive mansions and was once one of L.A.’s priciest listings.
Sitting mere minutes away from the Beverly Hills Hotel in the gated Wallingford Estates community. It had previously been owned by healthcare entrepreneur Jeoung Lee before real estate mogul Gala Asher picked it up for $22 million back in 2016.
What followed was an extensive renovation that brought the sprawling mansion into the 21st century. Asher then sought to capitalize on his big investments in the property by listing it for a whopping $135 million in 2018.
With no takers, a series of price adjustments followed, until the famous couple finally took it off the market in 2023. The final sale price was $60,850,000 — which amounts to $1,601/sqft.
The moral of Ben and Jen’s house-hunting saga? Patience pays off. By holding off on their purchase, they were able to find a perfect palace to call their home. A happily-ever-after ending for a Hollywood royal couple.
More stories
Where does Adele live? A look at the $58M ‘house that Rocky built’
See Lady Gaga’s house in Malibu, which she calls her ‘Gypsy Palace’
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
Becoming an authorized user on an open credit account, paying down student loans and securing credit builder loans can help young adults build credit.
Learning how to build credit at 18 can pay dividends throughout your life and help you explain financial concepts to others. Length of credit history is one of many factors that impact your overall credit score, so building credit early on can make it easier to secure credit cards and loans in the future.
Here, you can learn how to build credit at 18 and better understand which factors influence your credit health. You can also discover how Lexington Law Firm can help you improve your financial literacy.
Key takeaways:
You don’t have a credit score until you take actions that are reported to credit bureaus.
Length of credit history makes up 15 percent of your FICO® credit score.
Paying down student loans will positively affect your credit over time.
Table of contents:
1. Learn what credit score you start with
Starting credit scores vary from person to person and are largely based on each individual’s financial habits. When you first secure a loan, a credit card or a line of credit, your credit habits during the following six months will determine your starting score. Afterward, your credit score can increase or decrease based on several factors.
Who provides credit scores?
Credit reporting bureaus keep track of your credit history and provide reports based on your financial habits. Equifax®, Experian® and TransUnion® are the three main credit bureaus you can request a credit report from. Your credit score will be based on the information found in your credit report.
The law requires each bureau to provide at least one free report each year. Checking one of your credit reports every few months throughout the year can help you track your credit habits and progress.
2. Become an authorized user on a credit card
Just like other adults, young adults can become authorized users on another person’s credit card with the cardholder’s permission. With this method, an individual without any credit history can make purchases with a credit card and gradually build credit.
The caveat to this method is that all activity with a credit card will affect everyone connected to it. If a young adult gains access to one of their parents’ credit cards, the child’s activity will increase or decrease their parent’s credit score as well as their own.
3. Apply for a student loan
As previously mentioned, length of credit history can positively impact your credit score. For many young adults, a student loan will be their first credit account until they can acquire a credit card.
Paying off your loan might temporarily cause your score to dip, as your oldest account will be closed. However, regularly making timely payments will benefit your overall credit score far more than this dip will hurt it.
4. Secure a credit builder loan
Credit builder loans are helpful options for individuals with no credit history and people looking to repair their credit. These loans often have flexible requirements for applicants, though they typically have higher-than-average interest rates and brief repayment terms.
Community banks, credit unions and online lenders offer various credit builder loans. Large commercial banks don’t usually offer these loans, as their small payout amounts (normally $300 – $1,000) aren’t helpful to their everyday operations.
5. Frequently review your credit report
Challenging an error on your credit report and getting it removed can be an effective way to improve your credit. To discover these issues, it helps to routinely check your credit reports throughout the year.
Equifax, Experian and TransUnion all accept challenges by phone or online, and Lexington Law Firm can also help you challenge any errors on your report. Explore our services and see what features our tiered plans provide.
6. Space out your credit card applications
Every time you apply for credit, a hard inquiry occurs. This means that a third party (i.e., the bank offering the credit card you applied for) asked to review your credit report. Hard inquiries can appear on your report for years, but they’ll generally only hurt your credit for 12 months.
Issues can arise if you apply for too many credit cards or other lines of credit in a short period. Those dings against your credit can mount and damage your credit. On the other hand, spacing out your applications can help keep your credit healthy and stable.
7. Manage your credit utilization ratio
Your credit utilization measures your current account balances against your total credit limit. The higher your utilization is, the more negatively it will affect your credit. Ideally, it’s best to keep your utilization below 30 percent, or even 10 percent if possible.
Here’s an example to help visualize credit utilization. If you have a total credit limit of $5,000 and you’re currently using $500 of your available credit, your credit utilization will be 10 percent.
8. Use a credit monitoring service
Credit monitoring simply refers to reviewing credit reports and making decisions based on that information, whether you see inaccurate information that needs to be fixed, or accurate information that shows you where you can improve your credit usage. People can do this process themselves or seek out a credit monitoring service for help. Institutions like banks, credit unions and the three credit bureaus all provide distinct credit monitoring services.
Learn to manage credit with Lexington Law Firm
Young adults looking to build and manage their credit have many resources at their disposal. Still, professional advice from individuals with years of experience can make a big difference. Lexington Law Firm can provide a free credit assessment to help you get a sense of where your credit is starting and where you may want to go from here.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Brittany Sifontes
Attorney
Prior to joining Lexington, Brittany practiced a mix of criminal law and family law.
Brittany began her legal career at the Maricopa County Public Defender’s Office, and then moved into private practice. Brittany represented clients with charges ranging from drug sales, to sexual related offenses, to homicides. Brittany appeared in several hundred criminal court hearings, including felony and misdemeanor trials, evidentiary hearings, and pretrial hearings. In addition to criminal cases, Brittany also represented persons and families in a variety of family court matters including dissolution of marriage, legal separation, child support, paternity, parenting time, legal decision-making (formerly “custody”), spousal maintenance, modifications and enforcement of existing orders, relocation, and orders of protection. As a result, Brittany has extensive courtroom experience. Brittany attended the University of Colorado at Boulder for her undergraduate degree and attended Arizona Summit Law School for her law degree. At Arizona Summit Law school, Brittany graduated Summa Cum Laude and ranked 11th in her graduating class.
Low-maintenance indoor plants are aesthetic enhancers and wellness promoters when it comes to home decor. These verdant companions offer more than just a touch of green; they purify the air, uplift the mood, and contribute to a serene ambiance with minimal effort.
Ideal for those new to the green thumb club or seasoned plant lovers seeking hassle-free options, low-maintenance indoor plants fit perfectly into various spaces. Houseplants can brighten up a space immediately, from cozy corners in living rooms to workspaces that need a dash of vitality. They transform living spaces with their vibrant presence, but the charm lies in their simplicity.
Originating from humid climates, these plants easily adapt to indoor environments, despite the drier air. Opting for low-maintenance indoor plants means embracing a green world where one can find peace, relief, and a happier mind state of mind. Let’s explore seven such plants that promise to bring life to your home without demanding much in return.
Low-maintenance indoor plants: A Guide to Simple Indoor Beauties
1) Graceful Peace Lily
The Peace Lily is a quintessential low-maintenance indoor plant for home decor. Its ability to thrive in lower light and humidity makes it a favorite part of any interior decor plan.
The elegance of its white blooms, contrasting with dark green leaves, adds a sophisticated touch to any room. This plant beautifies spaces and enhances air quality, making it a practical choice for enhancing living and workspace environments.
2) Resilient Jade Plant
The Jade Plant is an indoor plant symbolizing wealth and longevity. This succulent can thrive under any weather condition. The thick, lush leaves store water and can be sustained for longer periods with minimal care. Perfect for those who occasionally forget to water their plants, it adds a vibrant green hue and an element of prosperity to your home.
3) Versatile Pothos
Pothos, with its cascading vines and heart-shaped leaves, is one of the low-maintenance indoor plants to look after. This plant can stand under any light conditions and be sustained for extended periods without watering. Its versatility makes it suitable for hanging baskets or as a striking tabletop display to enhance the aesthetic of your house.
4) Stately Dracaena
The Dracaena plant’s dramatic foliage and architectural height bring sophistication to indoor spaces. Its leaves, marked by striking color variations, require minimal care. This plant enhances a room’s visual appeal and purifies the air, making it a remarkable addition.
5) Prosperous Money Plant
An easy-care indoor plant that represents good fortune is the Money Plant. Its green, glossy leaves and twisted trunk set it apart. It grows well with regular watering and indirect light, adding a sense of vitality and prosperity to your living space. It’s great for those who wish to add some natural charm without extensive maintenance.
6) Philodendron
Large, glossy leaves from Philodendrons give any space a lush, tropical vibe. It is a low-maintenance choice that grows well indoors and needs too little care to thrive. This plant is a smart choice to add an exotic touch to any space, whether in search of a climbing variety or a large-leafed species.
7) Snake Plant
The snake plant is low-maintenance for its architectural structure and attractive foliage. Since this plant can endure low light levels, it is perfect for individuals looking to add some greenery with no added care. Its air-purifying properties are a bonus that requires little work to improve the atmosphere in your house.
Adding low-maintenance indoor plants is about more than just decorating; it’s about enriching your living space with natural beauty that asks little in return. These seven plants offer a gateway to a greener home, promising aesthetic appeal and well-being benefits.
With minimal care, they thrive, bringing life and freshness to their surroundings. You’ll discover the joy of plant parenting as you integrate these resilient greens into your decor.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
If you’re planning to buy a house in the near future, you may be paying extra attention to your credit. While good credit can help you qualify for the best terms and interest rates, bad credit can stand in the way of your dream home.
If your credit could use a little TLC, continue reading to learn more about credit repair for first-time home buyers and discover helpful tips to improve your credit.
Table of contents:
1. Pay your bills on time
2. Look for errors on your credit report
3. Dispute any inaccuracies
4. Lower your credit utilization
5. Consider consolidating your debt
6. Leave old credit accounts open
7. Avoid opening new credit accounts
8. Get help from a credit repair company
1. Pay your bills on time
Since payment history is the number one factor that affects your credit score, the first step in repairing your credit is getting current with your bills. Late payments, especially those over 30 days past due, can cause your credit to take a significant hit. Not to mention late payments can stay on your credit report for seven years and continue to negatively impact your credit, although the effect lessens over time.
If you’ve missed payments in the past, it’s important to get back on track with making your payments on time. Consider creating a budget, making a list of all your bills, noting their due dates and setting reminders so you don’t forget to pay them. Set up automated payments wherever possible.
Pro tip: Build an emergency fund so you’re still able to pay your bills even if you get hit with an unexpected expense.
2. Look for errors on your credit report
Errors on your credit report could negatively impact your ability to secure a mortgage. In fact, a recent study by Consumer Reports found that 34 percent of participants had at least one error on their credit report.
According to the Consumer Financial Protection Bureau, common errors to look for include:
Identity errors: These include inaccuracies regarding your personal information. For instance, your name, address or phone number may be incorrect or misspelled. Make sure to look for accounts that don’t belong to you and could be the result of identity theft.
Reporting errors: These are errors regarding the state of your accounts. For example, accounts you previously closed that are inaccurately reported as open.
Data errors: These could be duplicate accounts or incorrect information that had previously been corrected.
Balance errors: These include wrong balances or credit limits.
While not all errors affect your credit score, incorrect payment dates or account statuses can have a significant adverse effect, so it’s important to review your credit report before buying a house.
Pro tip: You can get a copy of your credit report from each of the three credit bureaus for free at AnnualCreditReport.com.
3. Dispute any inaccuracies
If you identify any errors on your credit report, you will want to get the inaccurate information removed if you can. File a dispute with the credit bureau via their website, mail or phone.
Regardless of the method you choose, make sure to clearly state what items you’re challenging and why the information is wrong. Consider including a copy of your credit report and highlighting or circling the errors.
Once you file a dispute, the credit bureau has 90 days to complete an investigation into your claim. If the bureau confirms that the error is inaccurate, they will remove it from your credit report. You should see the correction reflected in your score within a few weeks.
Pro tip: Use the Federal Trade Commission’s sample letter as a guide when writing your letter.
4. Lower your credit utilization
Credit utilization is another factor that influences your credit. Your credit utilization ratio is the amount of credit you’re using in relation to the amount of credit available to you.
Keeping your credit utilization low shows mortgage lenders that you aren’t too reliant on credit. Meanwhile, a high credit utilization ratio could indicate that you may struggle to pay your mortgage.
Here are a few strategies to lower your credit utilization ratio:
Pay off large purchases immediately: If you make a large purchase on your credit card, consider paying it off the same day if possible.
Make multiple payments each month: Get in the habit of paying your balance multiple times each month so the credit bureaus are more likely to see a lower number when your credit card issuer reports your statement balance.
Request a credit limit increase: Contact your credit card issuer to see if you qualify for a credit limit increase. Keep in mind that this may result in a hard inquiry, which could temporarily lower your score.
Lower your spending: Consider switching to cash or a debit card to decrease the amount of money you charge to your credit card each month.
Pro tip: Generally, experts recommend keeping your credit utilization below 30 percent. For example, if you only have one credit card and the limit is $10,000, you should aim to spend less than $3,000 each month.
5. Consider consolidating your debt
If you struggle to keep track of your different credit accounts and their due dates, consider consolidating your debt into a single monthly payment. This strategy can help you pay off debt quicker and avoid late payments. However, in order for debt consolidation to make sense, you should aim to get a lower interest rate.
There are a few different ways to consolidate your debt, including:
Zero-percent APR balance transfer credit card: Transfer your credit card debt to a new card, specifically during the 0 percent APR introductory period. Aim to pay down your debt before the introductory period ends—typically between 12 and 21 months.
Debt consolidation loan: Get a debt consolidation loan from a bank, credit union or online lender. Compare options to find the lowest interest rate.
Home equity loan: A home equity loan involves using the equity in your home as collateral to borrow money. While home equity loans typically have lower interest rates, you could end up losing your home if you fail to make payments.
401(k) loan: If you have a retirement account, you can borrow money from your savings. Keep in mind that taking out a 401(k) loan can hurt your retirement savings since you cannot continue to invest until you pay back the loan.
Pro tip: Weigh the benefits and drawbacks to find the best debt consolidation option for your financial situation.
6. Leave old credit accounts open
You may consider closing old credit accounts that you don’t use anymore, but that can actually hurt your credit. FICO® takes into account your length of credit history when calculating your score.
A long credit history signals to mortgage lenders that you have experience using credit and provides a more thorough track record of your credit history.
You should leave old credit accounts open unless you have another reason for closing them, such as an annual fee.
Pro tip: If your oldest account charges an annual fee, consider calling the credit card issuer to see if you can get it waived.
7. Avoid opening new credit accounts
Opening too many credit accounts in a short time frame can be a red flag to lenders. They may come to the conclusion that you’re financially unstable and are relying on credit to get by. As a result, they may consider you more likely to fall behind on payments.
Additionally, too many hard inquiries can hurt your credit. While a single hard inquiry typically only lowers your score a small amount, multiple hard inquiries may cause a noticeable drop in your score.
Pro tip: Try to wait six months between credit card applications.
8. Get help from a credit repair company
If you need help repairing your credit in preparation for buying a house, consider looking into credit repair services. A credit repair company can closely examine your credit report and help you identify negative items that might be wrongfully hurting your credit. The company will then challenge the inaccuracies on your behalf so they might no longer impact you.
Pro tip: Research each company and read reviews to avoid running into credit repair scams.
Why is credit important when buying a home?
Credit is important when buying a home if you plan to take out a mortgage. A good credit score will boost your likelihood of qualifying for a mortgage with a lower interest rate and better terms. This can end up saving you thousands of dollars over the course of your mortgage.
What does your credit score need to be to buy a house for the first time?
The credit score needed to buy a house varies depending on the type of loan you want. For most conventional mortgages, borrowers need a credit score of 620 or higher to qualify. Meanwhile, an FHA loan requires a minimum credit score of 500. Generally, the higher your credit score, the more favorable interest rates and terms you’ll be approved for.
Need help repairing your credit before buying a home? Lexington Law Firm could help you identify and address inaccurate negative items that may be damaging your score. Sign up for a free credit assessment to establish your starting point and see what services may be right for you.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Brittany Sifontes
Attorney
Prior to joining Lexington, Brittany practiced a mix of criminal law and family law.
Brittany began her legal career at the Maricopa County Public Defender’s Office, and then moved into private practice. Brittany represented clients with charges ranging from drug sales, to sexual related offenses, to homicides. Brittany appeared in several hundred criminal court hearings, including felony and misdemeanor trials, evidentiary hearings, and pretrial hearings. In addition to criminal cases, Brittany also represented persons and families in a variety of family court matters including dissolution of marriage, legal separation, child support, paternity, parenting time, legal decision-making (formerly “custody”), spousal maintenance, modifications and enforcement of existing orders, relocation, and orders of protection. As a result, Brittany has extensive courtroom experience. Brittany attended the University of Colorado at Boulder for her undergraduate degree and attended Arizona Summit Law School for her law degree. At Arizona Summit Law school, Brittany graduated Summa Cum Laude and ranked 11th in her graduating class.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
A credit limit is the maximum amount of money a person can currently borrow from a financial institution.
Credit cards and lines of credit let us borrow funds from banks, credit unions and various companies. Credit limits determine just how much money we can borrow without incurring penalties like overdraft fees. Americans tend to gradually increase their credit limits as they age; Experian® reported that the average credit card limit for Generation Z in 2022 was $11,290, while the average credit limit for Baby Boomers was $40,318 that same year.
“What is a credit limit?” may be such a common question because multiple factors can influence a person’s limit. We’ll explore this question and discuss how to increase your credit limit.
Key takeaways:
Financial institutions largely set credit limits based on a borrower’s credit history.
Credit utilization is based on your credit limit and your available credit.
Regularly practicing good credit habits can increase your limit
Table of contents:
How are credit card limits determined?
Your credit limit is determined by the institution you borrow money from, whether they’re a bank, a credit union or a government agency. Credit limits take several factors into account, including your income and credit score. People with higher credit scores and income are normally approved for higher credit limits because lenders view them as financially responsible people.
Annual revenue
When a borrower applies for credit or asks for a credit limit increase, lenders look at annual revenue. From their perspective, a borrower with more income is more likely to make their payments on time—and vice versa.
Credit score
Credit scores help us qualify for auto loans, mortgage interest rates and credit cards—plus the limits we’ll receive when approved. If you have good credit, then you’ll likely be eligible for high-limit credit cards from the get-go.
Debt-to-income ratio
Lenders can use your debt-to-income ratio to set your credit limit by weighing your monthly debt payments against your total income. A low debt-to-income ratio can prompt lenders to offer higher credit limits since your spending habits show you regularly make responsible financial choices.
Employment status
Your employment status can also affect your credit limit largely due to timing. If you apply for a credit card or ask for a limit increase while you’re seeking a job, you’ll most likely receive a lower limit than you would as a full-time employee.
Credit limit vs. available credit
A person’s credit limit and their available credit are heavily tied together, which can cause people to confuse these two terms. To clarify, your available credit refers to the amount of money you can still borrow after calculating your debt. On the other hand, your credit limit refers to the total amount of money that your lender lets you borrow.
For example, if you have a $10,000 credit limit and spend $5,000, you’ll still have another $5,000 in available credit that you can access during this billing cycle. Your credit utilization ratio is calculated by weighing your available credit against your total credit limit. In this case, your credit utilization would be 50 percent.
How does your credit limit affect your credit score?
Whenever you ask a lender to increase your credit limit, they’ll perform a hard inquiry to review your credit history and help inform their decision. Inquiries briefly cause your score to dip, which is why conventional wisdom recommends not attempting to increase your credit limit right before applying for something vital—like a home or a new car.
Credit limits can also affect your score if you consistently have a high utilization ratio. Credit cards with high limits typically help borrowers maintain lower utilization ratios, which is beneficial for credit health.
What happens if you go over your credit limit?
Exceeding your credit limit can have negative consequences, especially if you do so repeatedly. Some of the drawbacks you might encounter include:
Account review: A lender may review your longtime credit habits, which could potentially lead to a credit limit reduction.
Credit score changes: Credit utilization makes up 30 percent of your FICO® credit score. Repeatedly going over your credit limit could significantly hurt your credit.
Increased interest rates: Depending on your lender’s policies, they may issue a penalty APR on the offending account, which can be much higher than your standard rate.
Overdraft fees: Most lenders will charge a $35 overdraft (or over-the-limit fee) after a specified time period if you don’t pay off your balance.
How to increase your credit limit
If you consistently make your monthly payments on time and keep your utilization low, the credit card issuer may approve your request to increase your limit. But remember to allow six to 12 months before asking. Your issuer probably won’t raise your limit after just one or two months of opening the account or if you’ve been making late payments.
Some credit card issuers will actively increase your limit after they review your account history. Sometimes, they’ll ask you to update your income. If you’ve earned a raise recently, you can provide that information, and the lender may increase your limit. When an issuer reviews your account like this, it does not cause a hard inquiry because you didn’t ask for them to review the account.
Work on your credit with Lexington Law Firm
Credit cards are fantastic resources that can positively impact your life when used responsibly. Even if you get approved for a high credit limit, it’s best to monitor your spending and borrowing habits. Lexington Law Firm offers great services like credit education tools and credit report analysis that may help you with your credit.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Brittany Sifontes
Attorney
Prior to joining Lexington, Brittany practiced a mix of criminal law and family law.
Brittany began her legal career at the Maricopa County Public Defender’s Office, and then moved into private practice. Brittany represented clients with charges ranging from drug sales, to sexual related offenses, to homicides. Brittany appeared in several hundred criminal court hearings, including felony and misdemeanor trials, evidentiary hearings, and pretrial hearings. In addition to criminal cases, Brittany also represented persons and families in a variety of family court matters including dissolution of marriage, legal separation, child support, paternity, parenting time, legal decision-making (formerly “custody”), spousal maintenance, modifications and enforcement of existing orders, relocation, and orders of protection. As a result, Brittany has extensive courtroom experience. Brittany attended the University of Colorado at Boulder for her undergraduate degree and attended Arizona Summit Law School for her law degree. At Arizona Summit Law school, Brittany graduated Summa Cum Laude and ranked 11th in her graduating class.
When your child heads off to college, you are probably awash in all kinds of emotions. Pride, relief (yes, they got into school!), sadness, anxiety, and excitement can all swirl around you. Your baby is growing up and forging their own independent life. Will they make new friends? Like their classes and excel in them? Find their way around campus easily enough? Will they overspend, sleep through class, and stay out all Friday night?
Part of having a college student as a child means you must get used to some separation and lack of information. But that doesn’t mean you can’t continue to play a vital role in their life. Here, some wise advice about conversations to have, topics to cover, and when to help them have an amazing time at school.
Advice for Parents of College Students
Although each parent-child relationship is unique and each parent may face different challenges with their college student, there are moments that can be universal when your “baby” heads off to university life.
You’ll need to know how much to let go and encourage your child to become independent versus how much you should continue to provide support, whether that’s emotional support or financial.
Where that line should be drawn for each child and parent depends upon things like the seriousness of the problems being faced and how temporary or permanent they may be. In general, though, tips include:
• Listen, but try not to dive right into problem solving. This may not be the moment to lead with, “Here’s what you need to do…”
• Be mindful about how often you communicate and give your college student space while also staying available. Texting constantly and expecting quick replies will be unrealistic for many parents.
• You may be used to getting those report cards regularly and monitoring your child’s checkups at the doctor’s office. Recognize that now, times are changing, and you may not always be kept in the loop. FERPA (or the Federal Education Records Privacy Act) gives college students new privacy rights that can be defined pretty broadly. You may want to talk to your child about signing a FERPA waiver that will give you more access to information.
Accepting that college isn’t just about education but also about your child establishing themselves as an independent adult is an important transition for both of you. 💡 Quick Tip: Pay down your student loans faster with SoFi reward points you earn along the way.
Parenting College Students During Summer Break
Just when you figure out how to parent your child when he or she is away from school, summer break arrives with a different set of challenges. The young adult that you watched leave for college is probably not the same person who is returning. Maybe they don’t want to chat as much as before, or don’t seem as open to talk about daily life, friendships, and relationships.
The parent-child dynamic may be less about directing your kid’s actions and more about creating a collaborative partnership.
This can include things like withholding judgment about your child’s actions and making requests rather than demands — even when you’re sure you’re right. Your child is growing up and stretching their wings, both at school and when they return. They are becoming a full-fledged adult, after all.
Analyze which rules are the most important, and focus on those, letting other ones go. One example is you might ask that he or she call you if dinner will be missed, but not try to impose a curfew.
Recognize that during summer break you’ll probably need to readjust to being together, while also focusing on enjoying your time together.
Conversations about Paying for College
As part of your evolving parent-child relationship, you’ll likely find yourself in conversations about the best ways to pay for college. As the parent, you’ll likely initiate these talks. As part of your discussions, you may want to:
• Be clear about how much money you’re willing or able to contribute towards your child’s college expenses and how much your child will need to contribute.
• Discuss how much college will cost once you add tuition, housing, books, and other expenses together.
• Talk about student loans, including the differences between federal student loans and private student loans.
• Discuss how your child working during college may help pay for expenses.
• Talk about money management and how your child may feel some stress over student loan debt.
Here are some valuable topics to mention.
• There are scholarships and grants that usually don’t need to be repaid. What’s left is the amount that typically needs to be paid for by a combination of parental contributions, student contributions, and student loans.
• The two main types of student loans are federal and private. To qualify for federal student loans, you’ll need to fill out the FAFSA® (or Free Application for Federal Student Aid). This form needs to be filled out every year to determine eligibility for federal student aid dollars, including federal student loans.
• Federal loans can be subsidized or unsubsidized. Students may be eligible for a subsidized loan if they have a certain degree of financial need. Subsidized loans do not accrue interest during the six-month grace period after graduation/dropping below half-time enrollment and during any loan deferments.
• If the student drops below half-time enrollment, the grace period will begin even if he or she has not graduated yet, although there are some circumstances in which the student loan grace period can change.
Unsubsidized federal student loans do not require a demonstration of financial need, but do accrue interest during the entire loan period.
Private student loans are not funded by the government. Your child can apply with individual lenders, and each loan will come with its own terms and conditions, including repayment terms. Private loans can help fill the gap between what your child can pay with scholarships, grants, or federal loans. 💡 Quick Tip: Would-be borrowers will want to understand the different types of student loans that are available: private student loans, federal Direct Subsidized and Unsubsidized loans, Direct PLUS loans, and more.
Saving for Your Child’s College
If you’re still saving for your child’s education, your options may include:
• What are known as 529 college savings plans, also called qualified tuition plans, allow you to save for college while potentially offering tax benefits. Money saved in an education savings plan (sponsored by some states) can be used for tuition, fees, room and board, and other qualified higher education expenses at a college or university.
• Prepaid tuition plans (available at some universities) offer the option to prepay tuition and fees at current rates.
• Traditional or Roth IRAs, although more commonly used to save and invest for retirement, can be used to save for college expenses. .
• Coverdell Education Savings Accounts allow you to set up an account to pay for qualified education expenses, but contributions are not tax deductible and are only available for people whose income falls under certain limits.
• Uniform Gifts to Minors Act (UGMA) or Uniform Transfers to Minors Act (UTMA) accounts are intended as a savings vehicle for beneficiaries under the age of 18. Depending upon your state, the funds will transfer to your child at either age 18 or 21 and do not have to be used for education expenses.
Tax Credits and College
When it’s tax time, if you claim your college-age child as a dependent, you might qualify tax credits related to education.
• The American Opportunity Tax Credit could be helpful during the first four years of their undergraduate education. Qualifications include MAGI, or modified adjusted gross income, among other factors.
This is a credit for tuition and other qualified education expenses worth up to $2,500 per eligible student and could reduce the filer’s tax bill, not their taxable income.
• The Lifetime Learning Credit is also a tax credit, but may be harder to qualify for. Each year, you can claim either the AOTC or the LLC, but not both.
Parent Student Loans
You may be able to take out loans for your child’s education expenses, including a federal Parent PLUS Loans, available to parents of dependent undergraduate students for the amount of attendance costs minus other financial aid.
Private lenders may also be an option. Fees, rates, and repayment options vary by lender and they don’t typically offer forbearance or deferment options like federal loans do. As another option, you may be able to co-sign a private student loan with your child.
SoFi Parent Loans
Paying your child’s tuition with SoFi’s flexible, competitive-rate parent loan may be an option for consideration as well.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
When you think of the world today, it can be easy to feel overwhelmed by the negativity that saturates our news feeds and social media. But beneath all the grime and grimness lies a world full of countless wholesome people and things. To prove this point, we’ve compiled a list of some awesomely heartwarming behaviors below.
1. When People Get Really Excited Over Something
One user posted, “When people get really excited over something they enjoy.”
Another user replied, “I’m like 99% certain this is the only reason my girlfriend is into me. I’ll catch myself getting way too into the weeds explaining some tedious technical thing that she obviously couldn’t care less about, start apologizing for getting carried away, and say, ‘No, keep going. I love seeing you get really into things you care about, even if I don’t understand!’ She’s a keeper.”
2. When Someone Remembers a Really Small Detail I’ve Only Mentioned Once
There’s very little that can make you feel more loved than when you feel seen. There’s something uniquely special to knowing that somebody paid close attention to you, to what you said and what you love.
One user shared, “When someone remembers a really random small detail I’ve only mentioned once.”
Another user commented, “Bought a girlfriend her favourite flower for Valentine’s Day. She was blown away because she didn’t remember ever saying it was her favourite. She had mentioned it in passing on maybe the second date. But yeah, I won a billion brownie points for that.”
3. Doing the Right Thing Even When It’s Inconvenient
It’s hard enough to do the right thing when it seems minor or negligible, or when nobody’s going to know. But if you choose to do the right thing even when it might hurt other people’s perception of you, that’s a pretty incredible display of character.
Another Redditor posted, “Doing the right thing even when it’s inconvenient. I was on a date, and he took a call from a friend in crisis. They worked the problem out, and he said ‘I love you’ to his friend (who said it back). He explained he needed to take the call and apologized that it happened during the date. No apology is necessary! He demonstrated loyalty and vulnerability, and it was incredibly [attractive]. Even better that it’s just who he is; none of it was for show.”
4. Fully Present Parenting
There’s a lot of different methods and theories for parenting out there, but no matter what route you take, it’s crucial to remember that children are whole persons. Their desires matter and make a difference, even when correction is needed. And there’s nothing more beautiful than seeing adults treat children with respect and personhood.
“My husband will run around playing games with our son in the playground and fully commit to whatever game. There’s no standing around talking to the adults; he will get fully involved in the make-believe world. 10/10, fully present parenting,” stated one user.
5. People Who Make Themselves Crack Up
One Reddit user shared, “People that make themselves crack up. People with their particular and weird little sense of humour that unashamedly laugh at what they think is so funny. Extra points if they’re laughing because of a joke they’re telling themselves. It’s my favourite thing to see someone do.
“As long as the joke doesn’t seriously hurt other people. I love good dark humor. If someone’s genuinely trying to be hateful, it loses appeal completely.”
6. Seeing a Man Be Genuinely Happy for Someone Else
One user shared, “Seeing a man be genuinely happy for someone else, I recently discovered this about myself.”
Another user replied, “As an add-on to that—when a man is so supportive of his partner and their goals but does not feel threatened by them. I have a bachelor’s degree, while my husband has an AA, so I’ve always made more money than him. I intend to go back to grad school someday & he recently even asked if I’d do my PhD after, something I hadn’t even considered, not because I don’t think I could do it; I just hadn’t thought that far ahead. It made me so giddy knowing he fully believes in my capabilities & is ready to support me no matter what.”
7. When Someone Helps Old People
The same ego-centric attitude that blinds people to the personhood of children often makes them blind to the personhood and respectability of the elderly. But each of us has been young, and we will eventually be old. We were whole persons then, we are now, and we will be as we age too. We should treat other people with the respect we hope will be offered to us.
“When someone helps old people. Maybe getting up to give their seat to them in a public bus or, in general, helping them carry their heavy bags or something,” one user shared.
One user replied, “Compassion, in general, is such an attractive quality.”
8. Making Sure That Everyone Around Her Has Eaten on Time
At some point, we’ve all been victim to low blood sugar. Whether you actually felt weak and shaky, or you just got grumpy and irritable, or you noticed it was harder to think clearly, at some point we’ve been affected by the symptoms. So how incredible would it be to have a friend who didn’t take your attitude personally, but just asked if you’ve eaten anything?
Another user shared, “A friend of mine has this habit of ensuring everyone around her has eaten on time. ‘A well-fed tummy makes the brain think properly.’ That’s her exact words.”
9. Silliness, the Sillier, the Hotter
There is something magical about having friends who know how to be silly. It’s as if the walls really come down and they let you see the playful heart they’ve been holding on to since childhood. Silliness is about as wholesome as it gets.
“Silliness, the sillier, the hotter,” posted one user.
10. When a Person Knows the Right Time to Listen
Being able to problem-solve is wonderful, and being the friend who motivates others to take action is impressive. But in an emotional crisis, everybody needs a good listener. It’s extra special to have people you can rely on to listen and understand without feeling the need to solve or fix your problems.
One user shared, “When a person knows the right time to simply listen to someone in distress and the right time to offer advice.”
11. There Is Nothing Like Seeing Compassion in a Man
There is something almost universally wonderful about meeting a man who has tenderness and compassion.
Another Redditor shortly shared her husband’s story and said, “My husband grew up extremely poor. Not homeless, but close. Whenever we’re out, and we see someone asking for food, he will quietly walk over and take them to whatever restaurant they want. He will then order them whatever they want. When we met, he was in grad school and had no money. He still did this. It made me swoon.”
One commenter replied, “There is nothing like seeing compassion in a man.”
12. Confident Without Being Cocky
It takes a lot of character to be willing to let others get the credit, to show of that they know the answers, while you also know the answers. That’s humility. And humility with intelligence is an incredible trait. Humility allows us to see others and serve others, and help others do well; but paired with a good intellect and the ability to succeed well? That’s nearly unbeatable.
“How to explain this…? When I was in junior high, all the good students would raise their hands, barely staying in their seats, just desperately trying to get called on. There was this one guy, Jack, who just leaned back and watched. Totally chill. Jack NEVER raised his hand. But any time the teacher called on him, he knew the answer.
“He was the smartest guy in the class, but he felt ZERO desire to prove it or show off. I found that So. [Dang]. Hot. I’ve been drawn to quiet confidence ever since,” shared one Redditor.
13. They Cared About the Burdens I Face
Sympathy is the ability to care about somebody’s problems, but empathy is when you’re able to feel some of the same things they feel, either because you’ve been in the same circumstance or because you’ve felt those feelings in another situation. And empathy will win loyalty like no other skill or trait.
One user stated, “Empathy. I would follow someone into battle at the Fields of Pelennor or the Black Gate of Mordor if I got the sense that they understood and cared about the burdens I face.”
Another user confirmed and responded, “100% the same.”
14. When They Cook for Me
I’ve heard it said that when a friend or family member is grieving, instead of asking how they are, you can just ask if they’ve eaten yet today. And if they haven’t, you can take care of them and make them feel loved just by making them a meal to eat. Food really does act as a love language.
“Being cooked for. Nothing better than your significant other making sure you’re fed.”
15. He Can Talk to Anyone
“My husband is basically a collection of wholesome traits that I find outrageously attractive. He never snarks, gossips, or puts people down. He’s all about lifting people, whatever their life may be. He loves to hype people and celebrate life.
“He can talk to anyone and make a connection. He would go to anyone’s family cookout and legitimately be so happy to try the food and find out what your aunts and uncles were like. When I say, ‘Hey, someone new is coming to our house for dinner/to spend the weekend,’ he’s just like, ‘Cool! Let’s plan recipes!’
“Our Maine Coon has him absolutely under her control. He talks to her so sweetly. He’s precious with our old lady dog. One of my favorite pics of him is from a hike where her joints started hurting. He carried her like a baby the rest of the way, and she looks so happy in the pic.
“No matter how tired he is, when we are visiting any of our parents, he fixes things around their house for them. It’s nothing for him just to install a dishwasher or move machinery equipment.
“He really, really appreciates anything new he gets. Like I got him some nice sandals a few weeks ago, and he has told me how much he likes them at least four times.
“When we became a couple, he made a video for me. It was a screen recording of him deleting all his dating apps. Each one asked why he wanted to cancel/delete, and he gave them a 1-star review and wrote, ‘Didn’t have BurntGreens.’ And the two apps he did match with me on, he gave five stars and said, ‘Found BurntGreens.’
“In every decision I’ve seen him make, he chooses what’s best for the greater good over what’s easiest for himself.
“He’s become fishing buddies with our neighbour, who is a very good dude as well. My husband recently bought a boat—something both guys have wanted for a long time and the neighbor couldn’t afford. My husband said, ‘Now, this isn’t my boat. It’s our boat. We’re both captains.’
“When I told him how much I struggled with self-esteem stuff once, he bought a heart-shaped bowl and filled it with little folded pieces of paper, each describing something different he loved about me. …
“EDIT: I’m so glad y’all love him as much as I do! Man, I could talk about that dude all day.
“Someone commented on him sounding too optimistic. If you only knew this dude’s backstory—he’s lived through crazy, crazy life experiences and been so resilient. He wound up dropping out of high school as a result, lived through [some awful things], and pulled himself up. Today, he’s a self-taught IT engineer,” shared one user.
16. When Someone Is Singing or Humming to Themselves
There’s something beautiful about knowing that a person can be content and happy in their own little world. It’s as if they’re able to create their own little contented environment, and people who do that are so often able to invite you into cheerful and contented environments. Those people cultivate joy on purpose.
Another online user posted, “Whenever someone is singing or humming a song to themselves and they seem like they’re just lost in their own world, it usually makes my heart skip a beat. My ex used to do this a lot, and it was one of the cutest things they’d do.”
17. Being Friendly to Animals
It’s been a true test for ages now; if you’re kind to your animals, you’re likely to be kind to people as well. It takes humility and consideration to make sure your animals are taken care of properly, and if you’ve cultivated the ability to be kind and tender towards an animal, then it comes much easier with people.
“Being nice to animals,” one Redditor shared.
18 Watching Anyone Be Good With Kids
One user shared, “Watching anyone be good with kids, really listening and engaging with them makes me think nothing but about how nice they are, and I bet they’d look great being not nice to me in the bedroom …”
Another user replied, “I’ve been on the receiving end of this several times. First time it ever happened as a teen. I didn’t realize she pounced on me once we left the house because I was nice to her nephew and niece … “
19 When a Guy Has a Positive Mindset Despite All Odds
There’s a time for compassionate listening, and there’s a time for getting down to the solution. And sometimes finding a solution takes lots of work and gets pretty stressful. It requires the ability to come up with lots of ideas and the ability to cheerfully accept that many of those ideas may not be the right ones. That’s a pretty rare trait all around, but for women who are more focused on emotional connection, holding a relationship as separate from the process of finding a solution and shooting down ideas is extra hard. And therefore, extra fantastic.
Another user stated, “When a guy has a positive mindset despite all odds. The ability to find a solution instead of being negative is hot …”
One user replied, “In the same vein, women who can collaborate to solve a problem. I do IT work, so it’s a requirement at work, but when it happens outside of work naturally, it’s pretty f- awesome.”
20. Being Genuine
All of us put up some kind of front, at some point. But there’s a huge difference between simply toning down your normally exuberant behavior so you don’t disrupt a classroom, and practicing a masking behavior with the hope that nobody will see past it. And occasionally, you’ll meet someone who tries to keep the mask off entirely as often as possible, and their honest and openness can be really refreshing.
“Being genuine. So many people I deal with try to project this attitude and personality that just [isn’t] them, and it shows. It feels dishonest, and it feels shallow. Like they are trying to be some idealized person to capture someone they want, and then what will they do? Keep up the lie forever, change, or revert to who they are and hope the person will stay. It just is something that really means a lot to me is when someone is genuine with who they are. Even a s- person is less s- to me if they are true about it,” one user shared.
Do you agree with the things listed above? Share your thoughts down in the comments!
Source: Reddit.
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Each of us has wondered whether the grass is greener on the other side from time to time, but married people and parents of young kiddos especially seem to struggle. So it’s important to ask: is youth and singleness all it’s cracked up to be, or will the challenge of fighting for your marriage and parenting young children be the investment that really pays off?
Single life has its ups and downs—moments of joy, raw happiness, intense loneliness, sadness and everything in between. But it’s ultimately up to us as individuals to find contentment with our circumstances or strive for bigger and better things. Below are 15 stories from other single people about what real singleness looks like without attachment, and whether it’s happier over all.
1. I’d Like Someone to Share Things With
One benefit of marriage that the married ones often forget about is companionship. Sure, the other elements of marriage are good and necessary, but there’s something deeply special about coming home from a really hard day at work and having somebody you can talk to about it. Or coming home after getting a promotion and having someone special to share it with—without having to search your contacts for whom you’ll text first. Is that camaraderie worth trading for the freedom to do what you want, when you want, without coordinating with anyone else? Well, maybe.
One user shared, “30M if it’s relevant. It’d be nice to find someone to share stuff with, and all that … but being solo and only having myself in my own way when it comes to doing things is great. I haven’t dated anyone in about five years. The prospect of trying to find someone I can tolerate, that also wants what I want (being childfree is a b-) feels impossible. I also don’t know if I even have the capacity to care anymore. I’m socially inept [as heck], so I’ve only really tried the online route. Until I finally decide to give a s-, I have my two cats that can bug me all they like.”
Another user added, “I’m the exact same age, haven’t dated since I was like 26 and love my cat, he’s my dude! Also, I don’t want kids, not because I hate them or anything; I just don’t think it’s for me. I don’t get the whole peopling thing either. Just realized I have liked travelling for the past couple of years, so I started being an OTR trucker. It’s pretty cool for guys like us if you ask me. I drove through the Grand Canyon the utter day, and it was f- beautiful, my guy.”
2 I’m Just a Very Touch-Oriented Person
Pets, throw blankets and soft pillows are the hugs of the home-alone world. Now don’t misunderstand us; there’s something really super special about cuddling with your pets. (Imagine all that understanding and love without any of the backtalk or arguments!) But being touch-starved is a real thing. Whether everyone is willing to trade in their singleness for someone to come home to, and to hug just depends on the person though.
One Redditor posted, “Nope. It’s not the relationship factor. I’m just a very touch-oriented person. Not being able to touch someone just hurts. I want to touch someone, but I want them actually to like me.”
One user replied, “Oh my god, it’s the touch, for sure. It’s so unbelievably easy to go literal months without being touched by a human being. I’m so touch-starved, but there’s no outlet for it in society anywhere except relationships.”
3. We Expected a Fairytale
One reason so many people are shy of commitment to another individual for the rest of their lives is that they’ve grown up on the fairytales with the magical endings, and then they’ve been sucker-punched by the reality of struggling marriages, and the hard work that relationships require. It’s enough to make anyone shy of marriage. It’s true: marriages take a lot of effort and forgiveness. There’s a lot of joy to be found in loving and sacrificing for another person, but it’s not going to be a walk in the park, and you have to know that before you choose it.
“Yeah, we all pictured a Disney movie and then had to deal with reality. Very tired of this narrative with a House, a Spouse, and a couple of kids = endless happiness,” commented one user.
One user replied, “I think, in general, we struggle with the myth of ‘if I get to this state, I’ll have happiness .’ You get there, and you want something else. Happiness is a process/journey, not a destination. You can have the nicest house, the best spouse, great kids, go on great vacations, fancy cars, etc., and be f- miserable.”
4. I’m Extremely Lonely
Regardless of whether you’re hoping to get married, all of us were designed to live in some sort of community, with some sort of friendship around us. And sometimes, that’s really hard to find outside of family.
One user shared, “No, I’m extremely lonely.”
One user stated, “Thank you for saying what most of us think. I have my parents as a support system, but if I didn’t have them, I would literally be on the street, mostly by choice but also to better survive financially. I’ve been in a relationship most of my adult life, and even though I was the codependent one, I always had things put together and looking back, I don’t even know how I did it. I am finally setting boundaries and knowing my worth, and I’ve never felt so lonely. Then I try to put myself out there, and guys love my personality but don’t find me physically attractive, and I’m just throwing my hands up like apparently I can’t f- play this game anymore.”
5 Not a Fan of the “Single and Happy” Mantra Anymore
Ultimately, the reality is that happiness isn’t tied to marriage or singleness. Your happiness is tied to you. Your mental health, your ability to choose what brings you joy, and your ability to find joy or contentment even when things don’t work out well for you are the real factors that will determine your satisfaction with life, regardless of whether you marry or not.
One Redditor posted, “I’m not really a fan anymore of the whole ‘single and happy’ mantra, like being single is just a state of being, happiness isn’t tied to happy with it. Like you can be in a relationship and be miserable, too, you know what I mean?
“For someone who’s never been in a relationship? Am I single and happy? No. Am I single and miserable? No. I’m just single. It’s just the state I’m in.”
However, one user responded, “That’s why it’s called single AND happy. The conjunction ‘and’ allows one to describe two states of being.”
6. I’m Not Good at Spotting Red Flags in People
Marriage is a serious step, and your spouse isn’t someone you want to be mistaken about later on. If you’re not able to find somebody who loves, respects and enjoys you, then yeah, the goal of marriage should probably take a back seat for a while.
“Most of the relationships I’ve had, I’ve either been cheated on, abused, or both. I’ve had partners who take endlessly and never give. My last relationship was really terrible, and he mistreated me horribly. I have accepted that I’m just not good at spotting red flags in people, and I guess I’m not a great judge of character, so for my own safety and sanity, I need to be alone. Being alone is better than being with someone who actively chooses to mistreat you and doesn’t view you as a partner but rather a domestic servant.
“I wish my life would have turned out differently because I’d like to know what it feels like to be loved. But it’s not in the cards for me. Other than that, I try to be as happy as I can. I have a lot of hobbies and don’t often get bored or lonely. I’m certainly happier not being abused,” shared one Redditor.
7. Don’t Want to Change Who I Am Anymore
An online user said, “I could have written this. I worked on my codependent tendencies, but I don’t want to change who I am anymore. I like that I’m easygoing and kind. But I realized that most people are not, and I end up being taken advantage of endlessly, so I decided it’s better to be alone.
“In answer to the question, I AM happy. It’s not because I’m single or despite it. I have been happy in relationships and out of them. Happiness is more about being at peace with yourself, aligning with your values, and having a purpose. I have all those things with or without a partner. Looking for one felt like an exercise in futility, so I stopped and just started living my life. And I love it.”
8. Sometimes Happy, Many Times Lonely
Whether you’re touch oriented, want somebody to talk to, or just wish there were somebody to come home to, another person present in the house—marriage can be hugely satisfying. Loneliness is nearing epidemic proportions in the US these days, and it’s an ache that never fully goes away without a strong community of family or friends around you. To be fair, there are lonely marriages as well, and many people with happy marriages and strong family and friend relationships feel lonely from time to time. But the feelings are likely to be less pervasive with a spouse or even roommates in your life.
One user commented, “Sometimes happy, many times lonely.”
9. Would Rather Want Something I’ll Never Have Than Have Something I Never Wanted
“My grandma used to say ‘I would rather go through life wanting something that I could never have rather than having something I never wanted.’
“We have the most significant single population that we have ever had. At least, we live in a time when we have a choice. Many of the women in my family were almost guilted into marriage,” one user added.
10. I’m Solely Responsible for Everything
One user shared, “No, the way I see it, even if you ignore the mental health aspects of isolation, it’s made my life MUCH harder. I’m solely responsible for paying for and doing everything on my own. I have no feedback from others on any of the decisions I made. Pretty much no one knows where I am or what I’m doing. My life feels sort of meaningless and without connection as a result. I’d say it’s about as damaging to my overall quality of life as being broke and unemployed, and it’s made me much lazier and more pessimistic as a person as a result.”
11. Trying to Be Happy on My Own
One user said, “I’m trying to be happy alone. However, there are a few things I know for sure:
“Humans are wired for connection (romantic and platonic). Successful mating is the single biggest biological driver we have. Our society generally reinforces the idea that we need a partner to be whole and happy.
“I have accepted that I will never be the happiest version of myself without the right long-term romantic relationship. However, I’m still pretty happy being single. I’m glad I can say so, as this has prevented me from marrying the wrong person several times.
“I’d much rather be single and a little lonely than coupled up with someone that I’m not madly in love with.”
12. Become a Cat Dad
Another user posted, “I’ve become a cat dad. The relationships I’ve tried can’t handle my work schedule for one reason or another. I’d love for a companion, but video games keep me happy enough.”
As much as we value human connection, it’s important to have good boundaries with unhealthy people, and to fill those needs for connection in ways that nurture you. For example, with cats.
13. I Have Good and Bad Days
One Redditor added, “I would say I have good and bad days. I’m a 30-year-old, single woman who hasn’t dated anyone in over 9 years. I have wanted to, but it never seems to work out. The times I have shown interest in someone, it wasn’t mutual and vice versa. I would love to get married and have kids one day, but in the dating culture of today, it seems harder and harder to believe it can happen.”
14. Not Comfortable Settling Down
“I’m more comfortable in my off-and-on relationships rather than settling down yk, but my social anxiety keeps me from seeking out new relationships, so idk. It certainly is less stressful, as some people might say, because you don’t have to worry about keeping tabs on another person, or trying to focus on their happiness as well as your own. But sometimes loneliness seems overwhelming, but there are other things you can do to overcome it rather than thinking that happiness can only come from relationships,” stated one user.
15. I Am Responsible for My Own Happiness
One user shared his brightness and posted, “Yes. I am responsible for my happiness whether it be with or without a partner.”
It’s true: ultimately, even the glow of a new romantic relationship will wear off, and you’ll get into fights with the spouse you love more than anyone else in the world. So whether you’re married or single, perfectly content or wishing things were different, remember that joy get to choose how you react to your own situation, and you can make the best of it wherever your path lies.
What do you think of the statements listed above? Share your thoughts down in the comments!
Source: Reddit.
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Want to learn how to make $1,000 in 24 hours? While it’s not as easy as making $100 in a day, you do have some options. Some may allow you to make $1,000 right away, and others may mean that you have to build up to reach this level. Perhaps you’re looking for extra money…
Want to learn how to make $1,000 in 24 hours?
While it’s not as easy as making $100 in a day, you do have some options.
Some may allow you to make $1,000 right away, and others may mean that you have to build up to reach this level.
Perhaps you’re looking for extra money to pay for an unexpected bill that popped up (like a car repair or medical bill!), or maybe you’re just looking to increase your income by having a $1,000-a-day income goal.
Key Takeaways
The fastest way to make $1,000 quickly is to sell stuff from around your home, like electronics, jewelry, or nice furniture.
Freelance jobs like consulting and writing can pay a high income.
Jobs in the gig economy, like driving or delivering, can make you money right away, and you can stack them with others to increase your daily earnings.
$1,000 a day in passive income is possible through starting an e-commerce business, a blog, and selling digital products (like a course or printable).
Best Ways To Make $1,000 In 24 Hours
Here are the best ways to make $1,000 in 24 hours.
1. Sell stuff online and near you
If you want to learn how to make $1,000 by tomorrow, then the fastest option is usually to find items in your home that you already own to sell.
This is because you already have stuff in your home (the average household has over 300,000 items!!) – so you may be able to sell something to make quick cash.
So, these would either have to be a lot of items or more expensive items. For example, you could sell clothing or gift cards, something big like a piece of furniture, electronics (maybe a gaming system or computer?), or a piece of jewelry.
Here are places where you can sell your stuff:
eBay: This site is great for unique or collectible items.
Amazon: Good for books, electronics, and almost everything. Here’s a helpful article to learn more – How To Work From Home Selling On Amazon FBA
Craigslist: The site has a wide range of categories for selling in your local area.
Facebook Marketplace: Connects you with local buyers.
Pawn shops: Quick cash for things like jewelry.
Flea markets: Rent a booth for the day and sell homemade items.
Garage sales: Set up a sale in your yard.
Poshmark: Easy online marketplace to sell clothing online.
To sell your stuff for the most money, make sure you take clear pictures, write honest descriptions (is there a tear or a stain?), price items competitively, and clean your items to make them more appealing.
And, always remember to stay safe by meeting in public spaces and avoid sharing personal information. With some effort and strategic selling, you can reach your $1,000 goal.
2. Start a blog
Starting a blog is not a quick way to make money, but it can be a stepping stone to making $1,000 in a day.
Plus, it’s my favorite way to make money online. In fact, I earn over $1,000 a day with this blog. So, I know that it is possible (don’t assume that means it is easy – it is not easy, trust me!).
Here are some steps to get started with a blog:
Set up your blog:
You’ll want to start by choosing a topic to write about, such as finance, family, travel, food, etc.
Purchase a domain name (this is basically the name of your blog).
Select a hosting service and install WordPress (you can find my tutorial for this here).
Write blog posts:
Write helpful and fun blog posts.
Publish a blog post at least once a week.
Monetize your blog:
Affiliate Marketing: Include affiliate links in your posts.
Sponsored Posts: Partner with brands for sponsored content.
Ad Revenue: Sign up for Google AdSense, Mediavine, Adthrive, or another display advertising company.
Drive traffic:
Promote your content on social media.
Engage in community related to your niche.
Guest post on other blogs to find new readers.
I recommend taking my How To Start A Blog FREE Course. In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
3. Freelance writing
Freelance writing can be a great way to make money quickly.
I have been a freelance writer for years, and I also know of many other freelance writers who are able to earn $1,000 in a day. For a freelancer who writes high-quality articles, a $1,000 day is simply a normal day for them.
Sites like Upwork, Fiverr, and Freelancer have plenty of writing opportunities across many different industries. If you can write quality, original content quickly, it’s possible to reach your goal of $1,000 by taking on multiple writing assignments.
You could also try cold pitching, which is where you find businesses that could benefit from your writing services and send them an email about how you can help them achieve their goals with your writing.
To make $1,000 in a day as a freelance writer, you may want to focus on your existing network as well, if you have one. So, this means that you may want to reach out to former clients or colleagues who might need your writing services.
4. Real estate investing
Although real estate investing requires up-front cost and time, you may be able to build up to earning $1,000 a day.
$1,000 a day is $365,000 a year, which some real estate investors are able to earn through methods such as:
Renting out a home on Airbnb
Flipping properties for income
Investing in REITs
And more.
Recommended reading: How This 34 Year Old Owns 7 Rental Homes
5. Affiliate marketing
Affiliate marketing is my favorite way to earn money, and it helps me to earn $1,000+ a day here on this blog.
With affiliate marketing, you are promoting products or services on your website, email list, or social media account. If you get someone to sign up or purchase through your referral link, you then earn a commission.
Most products that you can think of have an affiliate program too, so there are plenty of things you can share.
Think about sharing books from Amazon on your blog, for example. You share a link to a specific book and tell your readers to buy it through your special link. Companies like Amazon like affiliates who bring in good traffic because it helps them make more sales.
Here’s a helpful article where you can learn more: What You Need To Know About Affiliate Marketing For Beginners + How 17 Bloggers Earned Their First Affiliate Income
6. Making money on YouTube
Creating a successful YouTube channel can lead to you making an income. While it’s unlikely to make $1,000 within 24 hours from right now, you may be able to get up to that amount by building a following on YouTube by consistently producing high-quality videos.
I know several YouTubers who are able to make $1,000 each day through their YouTube channel.
Here’s a breakdown of some different ways to make money with a YouTube channel:
Ad revenue – Once part of the YouTube Partner Program, you can earn money through ad views on your videos. You’ll need at least 1,000 subscribers and 4,000 watch hours in the past year to join.
Channel memberships – Your fans pay a monthly fee for special perks like exclusive badges, emojis, and access to members-only content.
Super Chats and Super Stickers – During live streams, viewers can purchase Super Chats and Super Stickers to highlight their messages. This is a direct way to earn as you interact with your audience.
Affiliate marketing – Promote products within your videos and include affiliate links in the video description. You’ll earn a commission for every sale made through your links.
Sponsorships – Companies can pay you to create content that features their products, especially if your content aligns with their brand, and you have an engaged audience.
7. Drive with Uber or Lyft
Driving for a rideshare service such as Uber or Lyft can make you money, but it might be difficult to make $1,000 in one day. It can help you to reach a $1,000-in-24-hours goal, though, by stacking it with other side hustle opportunities.
Also, there are things you can do like focusing on high-demand areas and driving during peak hours to increase the amount of money that you can earn.
I know of several people who only drive for these gig apps when they know that they are able to make the most amount of money. This is because you may be able to earn hundreds of dollars extra each day or week by timing when you drive.
Here’s a strategy to boost earnings:
Drive during peak hours – Surge pricing during busy hours means higher rates.
Look for driving bonuses – Look out for streak bonuses and other incentives. Uber or Lyft will list these in the app.
Manage your car expenses – Keep track of your gas, maintenance, and other costs to maximize profits.
Peak Times
Potential Earnings Boost
Rush Hour (AM/PM)
Increased Surge Pricing
Weekend Nights In Nightlife Areas
High Demand, More Rides
Events (concerts, sports games, etc.)
Surge Pricing, Bonuses
To reach your goal, you should know about your city’s traffic and when people need services. Getting $1,000 in a day is tough, but with a good plan, hard work, and a bit of luck, it’s something you may be able to work toward.
Other gigs related to this include driving for Instacart, Doordash, Uber Eats, and other food delivery services to earn cash. They won’t earn you $1,000 in a day, but they can be another way to make money.
8. Sell printables on Etsy
Designing and selling printables on Etsy, such as planner pages or art prints, is a creative way to make passive income. While reaching your goal of $1,000 quickly might be a challenge, growing your Etsy store can lead to long-term earnings.
I know of several successful printables sellers, and it is something that I would like to start one day as well. This is an area that I think will just continue to grow. Printables are very popular these days, and more and more people use them all the time. I personally buy printables all the time, and I find them very easy to use and helpful.
Printables are digital items that you can download and print at home, such as grocery shopping checklists, budget planners, wedding invitations, wall art, and more.
I recommend signing up for the Free Workshop: How To Earn Money Selling Printables. This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
Recommended reading: How I Make Money Selling Printables On Etsy
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
9. Sell your engagement ring
Selling jewelry, such as an engagement ring, can lead to you making money fast for when you need money right away.
If you really need the money and don’t mind parting with your engagement ring, then this may be an option for you to look into.
The value of your ring will depend on several factors, including the 4 Cs — cut, color, clarity, and carat weight — of the diamond, as well as the metal type and current market conditions.
One company I recommend looking into is Worthy.
Worthy sells wedding rings, loose diamonds, earrings, necklaces, bracelets, and luxury watches. They take care of everything, including appraisals and getting payment from the buyer.
You send your jewelry to them using a label they give you, and it’s insured. They put your item up for auction, and professional jewelry buyers can bid on it (you can set a minimum price). After the auction, you get the sale amount minus Worthy’s fee.
It usually takes around 2 weeks for the whole process, from sending the ring to getting paid.
Pawn shops and local jewelers are faster, but they might not give you the best prices. Selling online can make more money, but it takes longer with the auction process.
Recommended reading: How To Sell An Engagement Ring For The Most Money
10. Look for Craigslist gigs that pay
If you’re aiming to make $1,000 in a short span of time, you may be able to find quick jobs on Craigslist. Most of these will be one-time jobs, but there may also be full-time or part-time jobs.
To find Craigslist gigs in your town, just go to Craigslist and look for the “gigs” section.
Here are some jobs I found through a quick search:
Help loading and unloading a moving truck
Help with painting a home
Pet sitting and dog walking
Taking online surveys
Delivery driver
Data entry
Turning photographs into digital copies
Transport and install a microwave
House cleaner
Related reading: How I Earned $655 From Random Craigslist Jobs In One Month
11. Rent out your unused storage space
If you have extra space at home, you can rent it out to people in your area for storage. This could be a garage, driveway, closet, basement, or even an attic.
While reaching $1,000 in a single day would definitely be a stretch, renting out your space could give you a long-term income that you stack with other jobs on this list to make $1,000 a day.
You can use a website called Neighbor to list any extra space you have for rent, and you could make up to $15,000 per year.
You can also learn more about Neighbor at Neighbor Review: Make Money Renting Your Storage Space.
12. Consulting
If you’re really good at something, like business or marketing, selling consulting services can make you a good amount of money. You can charge more because of your expertise, and it’s doable to reach your $1,000 goal by taking on a few well-paying consultations.
I know several consultants who are able to make a very high income, in fact.
Companies hire consultants to get outside knowledge, a fresh viewpoint, and handle specific issues better.
Here’s how to start selling consulting services:
Identify Your Expertise – What are you good at? It could be marketing, finance, management, technology, or any other area where people seek expert advice.
Set Your Rate – Determine an hourly rate that reflects the value of your consultation. As a point of reference, if you charge $250 per hour, you would need to book four hours of consulting to meet your goal.
Network – Reach out to your professional network and let them know about your consulting service. Recommendations can go a long way.
13. Ask for a raise or for more hours
Talking to your boss about a raise might not get you $1,000 in a day, but negotiating a higher salary can be a good long-term strategy to make more money each year.
When approaching your employer about a raise, preparation is key.
Demonstrate your value – Before the meeting, compile a list of your accomplishments, contributions, and any additional responsibilities you’ve taken on.
Research market rates – Know the industry standards for your position and experience level to set a realistic raise request.
Time your ask – Ideally, schedule this conversation after a significant achievement or during a performance review.
Another way to increase your income at the job you already have is by working overtime. If you are paid hourly, you can see if your employer needs you to work any extra.
14. Sell an online course
If you know a lot about something, you can make and sell an online course. Websites like Teachable and Udemy let you create, host, and sell your course. While you might not make $1,000 right away, getting students over time can bring in a good amount of money.
I have an online course that I sell, Making Sense of Affiliate Marketing. I have also taken many online courses, such as on helping my toddler get better sleep, speech therapy for parents, business courses, blogging courses, and so much more.
And, these are all created and run by people like you and me.
There are many other things you can teach in an online course, such as:
Painting
Music lessons
Fitness and exercise
Time management tips
Parenting
Languages
Computer programming
Personal finance
Traveling
Photography and photo editing
Plants and gardening
Baking and cooking
Arts and crafts
Dropshipping
And so much more!
How Can I Get A $1000 Loan Within 24 Hours?
So, after reading the above, maybe you realize that you need $1,000 quickly and the above won’t work out for you fast enough. If that’s the case, then a loan may be another option to look into.
If you need a $1000 loan in 24 hours, first look at your options. Check if you can use your own things for quick cash. If not, check out personal loans and other ways to borrow money, but be aware that quick loans like these typically have very high interest rates that can be hard to pay off.
1. Assess your credit score: Your credit score plays an important role in your interest rate and terms of a personal loan. Generally, a higher score increases your chances of getting approved for loans with lower interest rates.
2. Explore online lenders: Some online lenders offer loans within a day, so you can get a $1000 loan in 24 hours. Fill out an easy application and compare the terms and payment choices from different lenders to pick the best one for what you need.
3. Look for short-term loans: If time is really important, you may be thinking about short-term loans like payday loans or title loans. They usually get approved faster, but keep in mind, these loans almost always have high interest rates and shorter times to pay back, so please be as careful as you can. You don’t want to go into some crazy debt that you will never be able to pay off.
Frequently Asked Questions About How To Make $1,000 In 24 Hours
Below are answers to common questions about how to make $1,000 in 24 hours.
How can I make a quick $1,000?
To make $1000 quickly, you can start by thinking about selling things you don’t need. Everyone has stuff in their home that they aren’t using – start with those items!
What are the fastest ways to earn $1,000 online?
Some of the fastest ways to earn $1,000 online include:
Freelancing with your skills, such as writing, designing, or coding
Affiliate marketing through your personal blog or social media channels
Creating and selling digital products, like ebooks, graphics, or courses
This really depends on what your definition of fast is. Some of the above income streams will take longer than others, of course.
Which passive income streams can pay $1,000 quickly?
While passive income streams typically take time to build, there are some options that can make $1000 quickly, such as with:
Rental properties, if you own an empty space or have a spare room in your home that you can rent out
Dividend-paying stocks, though you’ll need a very large amount of money invested to make that kind of money in a single day
Online courses or subscription-based services
The initial setup might take time and effort, but the long-term rewards could be worth it. Learning how to make $1,000 a day in passive income is possible, but it would require a lot of up-front legwork to get you there.
Recommended reading: 18 Passive Income Ideas To Earn $1,000+ Each Month
Which freelance jobs can generate $1,000 within a day?
Earning $1000 within a day of freelancing is ambitious, but it’s possible through high-paying gigs and opportunities like:
High-ticket sales or consulting services, where you share valuable advice and expertise
Technical jobs, like IT consulting or software development, if you have in-demand skills
Creative projects with tight deadlines, such as writing marketing copy for advertisements, web design, and graphic design
Learning how to make $1000 in 24 hours online through freelancing is possible, but it will take you some time to get to this point.
How To Make $1,000 In 24 Hours – Summary
I hope you enjoyed this article on how to make $1,000 in 24 hours.
While some may earn you $1,000 in the next 24 hours (such as selling an expensive item that you already own – like jewelry or a gaming system), others may take you time to earn $1,000 in a 24-hour time period.
Some on this list may be a full-time job, and others may be part-time or even one-time odd jobs (such as on Craigslist).
Getting $1,000 in a day might seem hard, but with the right plans and effort, it is doable. Whether you have a surprise expense that you need to pay for, want to boost your savings, or simply just want to start making more money, making money at this level is possible.
Have you ever needed $1,000 fast? What have you done to make $1,000 quickly in the past?