The average barber’s salary is $52,123 a year, according to the latest data from ZipRecruiter. But barber salaries can range from about $17,500 to more than $86,000.
How much money you can make as a barber may depend on several factors, including education, certifications, experience, and where you’re located. Here’s a look at what barbers do and how they get paid.
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What Are Barbers?
A barber’s main job is to cut and style hair, usually for male clients. Barbers also may trim or shave facial hair, fit hairpieces, and provide hair-coloring services.
To become a barber, you must obtain a license in the state where you plan to work. Licensing qualifications can vary, but you’ll likely have to meet a minimum age requirement, have a high school diploma or equivalent, and have graduated from a state-licensed barber program. You may also have to pass a state licensing exam.
A barbershop often doubles as a social hub where men can go to swap stories and catch up on the latest news while they enjoy a little personal care. If mingling with clients all day isn’t your thing, you may want to check out jobs with less human interaction. 💡 Quick Tip: Online tools make tracking your spending a breeze: You can easily set up budgets, then get instant updates on your progress, spot upcoming bills, analyze your spending habits, and more.
How Much Do Starting Barbers Make?
An entry-level salary for a barber can range from $8.41 to $41.35 or more an hour, according to ZipRecruiter. Brand-new barbers tend to earn the highest hourly wages in New Jersey, Wyoming, and Wisconsin.
Recommended: What Trade Jobs Make the Most Money?
What Salary Can a Barber Expect to Make?
Barber jobs in the U.S. can pay anywhere from $17,500 to $86,000 or more, according to ZipRecruiter data. How much you can expect to make may depend on several factors, including how many hours you work and how many clients you serve; if you live in a region with more competitive pay; and if you work on commission, rent a chair at a shop, or own your own barbershop.
Here’s a look at the average barber’s income by state.
State
Average Salary for a Barber
Alabama
$49,572
Alaska
$53,033
Arizona
$50,968
Arkansas
$40,073
California
$46,632
Colorado
$50,860
Connecticut
$47,890
Delaware
$48,177
Florida
$40,869
Georgia
$46,181
Hawaii
$51,460
Idaho
$44,515
Illinois
$46,962
Indiana
$52,044
Iowa
$47,980
Kansas
$44,493
Kentucky
$42,214
Louisiana
$44,134
Maine
$45,672
Maryland
$46,693
Massachusetts
$53,224
Michigan
$42,137
Minnesota
$50,551
Mississippi
$47,266
Missouri
$45,239
Montana
$50,200
Nebraska
$45,804
Nevada
$50,144
New Hampshire
$54,449
New Jersey
$53,861
New Mexico
$50,829
New York
$60,841
North Carolina
$43,866
North Dakota
$52,473
Ohio
$49,290
Oklahoma
$44,358
Oregon
$52,559
Pennsylvania
$55,714
Rhode Island
$48,681
South Carolina
$44,791
South Dakota
$49,593
Tennessee
$47,059
Texas
$44,130
Utah
$46,849
Vermont
$60,007
Virginia
$47,628
Washington
$53,744
West Virginia
$43,029
Wisconsin
$52,882
Wyoming
$53,101
Source: ZipRecruiter
Recommended: Highest Paying Jobs by State
Barber Job Considerations for Pay and Benefits
A barber’s compensation is traditionally set up in one of two ways:
• Renting a chair or booth: Barbers who rent a chair at a barbershop pay the owner or franchise a fee for the space where they work, but they keep the rest of what they earn. This can give barbers more control over their work schedule and the services they choose to offer.
• Earning a commission: Barbers who work on commission are paid a percentage of what they earn (typically between 40% to 70%). Or they could receive a predetermined hourly wage or salary plus a bonus commission. New barbers may choose to work a few years on commission to gain knowledge of how the business works and build a clientele, and then switch to renting a chair.
In addition, barbers can earn tips, usually about 15% to 20% of the price of a haircut or other service provided. Online tools like a money tracker app can help you keep track of your spending and saving from month to month.
Pros and Cons of a Barber’s Salary
As with any job, there are pros and cons to working as a barber, including:
Pros
• Attending a barber school can take less time (usually a year or less) and is far less expensive than getting a college degree. Tuition is about $14,000 on average (not including books and supplies), but costs can range from about $4,000 to $25,000, depending on the program. Financial assistance may be available through federal or private student loans, grants, and scholarships.
• Job prospects for barbers are good. According to the U.S. Bureau of Labor Statistics, employment for barbers is projected to grow by 7% over the next decade, which is faster than the average for all occupations.
• Popular barbers often can work the hours they choose while serving clients who appreciate their creativity — and reward them with their loyalty and generous tips. If you like the idea of becoming an entrepreneur, you may even decide to start your own business someday.
Cons
• It can take time to build a reputation and a reliable list of repeat customers. In the meantime, you may experience some income instability, and tips may vary from one client to the next. This could make budgeting and spending difficult at times.
• As a barber, you may not receive the same employee benefits that other careers generally offer, including health insurance, a 401(k) or similar retirement plan, paid sick leave, or vacation pay. You might have to work nights, weekends, or a fluctuating schedule that makes it hard to plan your social life. And you may have to pay for your own work tools.
• You might also want to consider how long your career as a barber might last. Though it can be a fulfilling job, the work can be hard on your neck, back, hands, and feet. 💡 Quick Tip: We love a good spreadsheet, but not everyone feels the same. An online budget planner can give you the same insight into your budgeting and spending at a glance, without the extra effort.
The Takeaway
Your income potential as a barber will likely depend on where you work and the loyalty of your clientele. If you’re a creative and skilled stylist who likes keeping up with the latest trends, and you have good social skills, being a barber could be a great career choice. It also can help to have some business skills, as you may face unique challenges when it comes to managing your income, tracking your cash flow, planning for retirement, and paying taxes.
FAQ
Can you make $100,000 a year as a barber?
Once you establish yourself and build a solid clientele, you may be able to earn six figures as a barber. Your success, though, will likely depend on how in demand you are, how willing you are to travel or work long hours, the clientele you cater to, and if you own your own shop.
Do people like being a barber?
Though barbering can be hard work, barbers on Payscale.com gave their job an average of 4.2 stars out of 5. If cutting hair and providing other personal care services is your passion — and you’d enjoy building a bond with your clients — you could find a career as a barber is right for you.
Is it hard to get hired as a barber?
According to the U.S. Bureau of Labor Statistics, the job outlook for barbers should be solid for at least the next decade. If you get the proper training, become a licensed barber, and can demonstrate that you have the skills and demeanor for the job, it shouldn’t be too hard to find work.
Photo credit: iStock/dusanpetkovic
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Looking for the best jobs that help people? Whether you are looking for a full-time job or a way to make extra income, there are many ways to make money by helping others. Picking a job that matches what you want to achieve personally and lets you help others can feel really good. In lots…
Looking for the best jobs that help people?
Whether you are looking for a full-time job or a way to make extra income, there are many ways to make money by helping others.
Picking a job that matches what you want to achieve personally and lets you help others can feel really good. In lots of different fields, jobs where you can help people have become very popular.
Whether it’s teaching, counseling, healthcare, or responding to emergencies, each job lets you change someone else’s life for the better. If you like the idea of helping out your community and giving assistance to those who need it, there are plenty of rewarding jobs that might be right for you.
Now, that doesn’t mean the jobs below are easy. While you may feel good knowing that you are helping people, many of these jobs are very hard. But, you will know that you are truly helping people and changing the world for the better.
30 Best Jobs That Help People
Below are 30 full-time and part-time jobs helping others in crisis, in your community and at homes.
1. Social worker
If you’re someone who likes to help others, becoming a social worker might be the perfect job for you. Social workers support people who face challenges in their lives. This could mean working with children, families, or even whole communities.
Social workers might work in schools, helping kids and families get through tough times, or in hospitals guiding patients through health challenges.
2. Teacher
A teacher’s job is about more than just giving lessons. The job is to guide and help students understand new information. When you teach, you make a real difference in the lives of your students.
Teachers work in different settings, such as at a public school, private institution, or even provide one-on-one education as a tutor. Some teachers work online too, which is a great option if you’re looking for more flexibility.
You can choose to become a kindergarten teacher, high school teacher, college instructor, or anything in between.
Recommended reading: 36 Best Side Jobs for Teachers To Make Extra Money
3. Nurse
Nurses play an important role in healthcare, helping people feel better and stay healthy.
I have met so many amazing nurses in my life, and it is such a helpful career path. I still very much remember all of the wonderful nurses who helped me when I was in the hospital giving birth to my daughter – these nurses were amazing and helped me so much, and I truly felt like they cared.
Nurses can work from home, in a hospital, or even in a law firm. A similar career path where you can help people is to become a nurse practitioner, with a higher salary and extra responsibilities.
Recommended reading: 27 Best Side Hustles For Nurses To Make Extra Money
4. Personal trainer
If you like staying active and want to help others, becoming a personal trainer could be a great fit for you.
As a personal trainer, you’ll get to work with people every day, helping them achieve their fitness goals. It’s not just about showing exercises; it’s about motivating and guiding people to live healthier lives.
Here are some of the things that personal trainers do:
Create workout plans.
Show people how to exercise correctly.
Keep track of a client’s progress.
Teach clients about healthy lifestyle choices.
Personal trainers are found in places like gyms, fitness centers, and sometimes they can even come to your home. Some trainers lead group classes, while others give one-on-one sessions.
5. Occupational therapist
An occupational therapist (OT) helps people of all ages do different activities that are important for their daily lives, work, school, and leisure. Some examples of occupational therapy include:
Dressing – OTs help individuals in selecting appropriate clothing and developing strategies to independently dress themselves.
Eating – OTs may recommend adaptive equipment or techniques to help individuals with feeding difficulties.
Household chores – They provide strategies to make household chores more manageable for individuals with physical or cognitive limitations.
Job tasks – OTs help individuals develop skills and strategies to perform job duties effectively and safely.
Community integration – They support individuals in participating in community events, clubs, and social gatherings.
As you can see, OTs help people in so many ways.
They work in places like hospitals, schools, or even patients’ homes are common spots for occupational therapists.
6. School counselor
School counselors play a big part in guiding students toward their future.
They help with class schedules, give advice, or plan big steps like going to college or finding a job. This job is important because school counselors help students do their best and feel good about themselves.
They also help in other ways, such as helping students who are going through a hard time in life, like helping them with handling a mental health issue or even dealing with the passing of a parent. They are very much needed in all schools!
7. Substance abuse counselor
Substance abuse counselors help people fight addiction and get their lives back on track. Their job is important because they guide people through tough times, showing them how to stay away from drugs or alcohol and live a healthier life.
They meet with people and listen to their stories, teach them new ways of dealing with problems without using substances, and support them as they make changes to better their lives.
8. Physician
Being a doctor is a way to make a big impact in your community, as everyone knows.
Depending on the specialty, they can check your health, find out what’s wrong when you’re sick, and give you the right medicine to help you feel better.
Doctors are important because they help us when we’re sick and also keep us healthy. They listen to our concerns, offer comfort, and provide treatments. This makes a big impact on many people’s lives every single day.
9. Lawyer
A lawyer’s main job is to protect the legal rights of their clients. This means giving advice based on the law and, sometimes, defending your client in court.
A lawyer might work at a large law firm, for businesses, or for everyday people with different problems. Lawyers tend to specialize in one area of law, like helping injured people, family issues, working with businesses, traffic tickets, and so on.
10. Paramedic
Paramedics are the people who arrive first when there’s a medical emergency.
Their job is to take care of people who are hurt or very sick, right there on the spot or while they’re on the way to the hospital for further treatment. They give first aid and other medical care, stay calm under pressure, and drive an ambulance if needed.
11. Firefighter
Firefighters are trained to fight fires and keep people, buildings, and nature safe. They rescue people and animals from burning buildings, help at accident scenes, and teach the public about staying safe from fires.
This is a tough job that every community needs.
12. Nutritionist
If you like helping people and love everything about food and health, think about becoming a nutritionist! A nutritionist is someone who helps people eat better and live healthier lives.
A nutritionist is a health expert who knows a lot about food and how it affects our bodies. They look at what people eat, their health goals, and make personalized plans to help them eat better. Nutritionists teach people about healthy eating, help with meal plans, and give support to make lasting changes in lifestyle.
They work in different places like schools, hospitals, or their own offices to help people be healthier through good nutrition.
13. Pediatric sleep consultant
Getting enough sleep is super important for babies and their parents. But sometimes, parents have trouble making sure their baby sleeps well.
This can lead to some parents getting nearly no sleep, and it impacts their life, their job, and their mental health.
That’s where pediatric sleep experts come in handy. They know a lot about helping kids sleep better, which helps families have better nights. If you really like working with kids and want to help them, becoming a sleep coach could be a great career option for you.
This is an area that so many parents need so that they can continue living their lives.
For me, I have taken many tips from pediatric sleep consultants so that I could help my child sleep better, and so that I in turn could get sleep as well. These were life-changing tips!
Recommended reading: How To Become A Sleep Consultant And Make $10,000 Each Month
14. Dentist
Dentists work with teeth and gums, and they help keep your mouth healthy as well as fix problems when they come up.
If you have a cavity, they can fill it. Or if you have something more serious, they can fix it too. Dentists tell you how to take care of your teeth so you can keep them strong and avoid future problems.
15. Psychologist
Psychologists help people deal with their feelings and thoughts by listening to people and understanding their problems. They work in schools, offices, and sometimes even online.
They ask questions, do tests, and figure out the best way to help people feel better.
16. Police dispatcher
Being a police dispatcher is an extremely important job that helps people in crisis.
Dispatchers have an important job in keeping communities safe and making sure everything runs smoothly. They answer emergency calls when you call 911 and send out the right help.
17. Police officer
Police officers in law enforcement keep areas safe by stopping crime and making sure laws are followed. They patrol the streets, keep an eye out for any trouble, and if someone calls for help or there’s an accident, police officers are the first to arrive.
A police officer’s work is very important for everyone’s safety. They are trained to handle many kinds of situations.
Some police officers have a degree in criminal justice, but not all have college degrees.
18. Massage therapist
Massage therapists use their skills to help relax tight muscles and ease pain. They work in many places like spas, hospitals, or sports centers.
This is a career path where you can make others feel physically better, relieve stress, and feel relaxed.
19. Speech and language therapist
Speech therapists (also known as speech-language pathologists) help people of all ages overcome difficulties with communication, as well as swallowing disorders.
Speech therapists work with children and adults who face challenges with speaking and understanding others, help those who have trouble eating or swallowing due to health issues, and create fun and engaging exercises to improve clients’ speech and language skills.
Many, many people use speech-language pathologists these days, especially for young children, and it is such a needed career path right now. Many cities have very long waitlists because there simply are not enough speech therapists, so this can be a very helpful career choice to get into.
20. Rehabilitation specialist
Rehabilitation specialists give support to those who need a little extra help due to health troubles like injuries or mental health challenges.
A day in the life of a rehabilitation specialist could include working with kids or adults, helping them with their skills to live a good life (kind of like teaching and cheering on someone as they learn or remember how to do important daily stuff).
These jobs are often found in places like hospitals, private clinics, or community centers.
21. Caregiver
Caregiving roles are very important careers that help people who really need it.
Caregivers play an important role in the lives of those who need help due to age, sickness, or disability. They provide support and company, making a real difference every day.
Caregivers do things like cook meals, drive people places, or just talk to make someone’s day brighter.
22. Home health aide
A home health aide is somewhat similar to a caregiver. Caregivers and home health aides both help people who need support with daily activities because of sickness, disability, or getting older. However, caregivers usually do a wider range of tasks like keeping people company, driving people places, cooking, and doing chores.
Home health aides focus more on personal care, such as helping with bathing, dressing, and reminding about medications. Home health aides often get formal training and might work under a nurse or another healthcare worker, while caregivers might not have formal training and often work on their own or for agencies.
Home health aides have an important job where they help people who need extra care to live comfortably in their homes. People like seniors or those with disabilities count on them to be there for them.
23. Translator
Translators connect people who speak different languages, and this job is important because they help people understand each other.
Translators work in many places. Some work in hospitals, making sure doctors and patients understand one another. Others translate books or websites, so everyone can enjoy stories or information, no matter what language they speak.
Many translation jobs let you work from home. Some jobs are full-time, and some are part-time. You can find what fits your life.
Recommended reading: 28 Ways To Get Paid To Text And Make Money
24. Environmental engineer
Environmental engineers figure out how to keep nature clean and safe. They sometimes work on projects that prevent pollution or create plans to fix damage that’s already been done, like cleaning up oil spills.
25. Pharmacist
Pharmacists know all about medicine, fill doctors’ prescriptions for patients, and explain how to take the medicine safely. This is a job that helps people because people need medicine in order to feel better.
Pharmacists work in pharmacies, drugstores, clinics, and hospitals.
26. Optometrist
Optometrists are eye doctors that help people see better. They check your eyes, find out if you need glasses or contacts, and can spot eye troubles before they become a bigger issue.
Eyes are important, of course, and so this is a job that definitely helps people.
27. Midwife
Becoming a midwife might be a great job for you if you enjoy helping people and have an interest in healthcare. Midwives are healthcare professionals who help women before, during, and after they have a baby.
Midwives work in different places, such as in a hospital, in a clinic, or visiting moms at their homes.
I had a midwife and doctor team for my pregnancy, and the midwife was amazing. She made me feel comfortable and was very friendly and calming.
28. Conservationist
Conservationists get to spend their days outdoors, helping plants and animals survive and stay healthy. They research and learn about different species and find ways for humans to live alongside them without causing harm.
The planet is home to incredible animals and places, but some are at risk. Conservationists help protect these natural wonders and make sure there are plenty of wild areas for animals to thrive in. They also work to keep the air and water clean for everyone to enjoy.
29. Dental hygienist
Dental hygienists are important in preventing and treating oral diseases. It’s more than just cleaning teeth.
They also teach patients how to take care of their mouth, show them the right way to brush and floss, and help them understand why oral health is so important.
30. Blogger
Okay, so I realize that this option is not like any of the rest.
But, I have personally helped thousands of people over the years with my blog, so I think being a blogger definitely helps people. I have received many emails and letters from readers who have said that I helped them pay off their debt, stop living paycheck to paycheck, reach retirement, and more.
With a blog, you can help people understand different topics, learn actionable tips, get motivated to reach their goals, and more.
If you enjoy writing and sharing stories or expertise, becoming a blogger might be right up your alley. A blogger creates content for a blog, which is an online space for posting thoughts, knowledge, and insights.
Your blog can become a helpful resource on topics you’re passionate about. Whether it’s cooking, personal finance, or even traveling, your words could be valuable to someone else.
I started Making Sense of Cents back in 2011. Since then, my blog has made over $5,000,000.
I didn’t plan to make money when I started the blog. It was just a way for me to keep track of my own money journey. At first, I didn’t even know people could make money from blogging or how to make a successful blog!
But after only six months, I started earning money from my blog.
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
Frequently Asked Questions
Below are answers to common questions about how to find jobs that help people.
What is the best career to help others?
The best careers to help others include becoming a social worker, teacher, nurse, therapist, counselor, and firefighter.
What job helps people with their money?
Financial planners or advisors help people manage their money effectively. They provide advice on investments, savings, and budgeting to help individuals achieve their financial goals and secure their future financial stability.
What job can I do to make people happy?
Many of the jobs above can help people become happy, such as being a teacher, personal trainer, school counselor, nutritionist, pediatric sleep consultant, psychologist, and massage therapist.
What are some jobs that help people’s mental health?
Mental health counselors and therapists give support and treatment to people dealing with mental illnesses. They play an important part in improving their clients’ emotional and psychological well-being.
What are some creative jobs that help others?
Art therapists help people deal with stress, trauma, or sickness by using creative activities. They combine the healing power of art with counseling techniques to support healing and personal development.
What are jobs that help people in crisis?
Jobs that help people in crisis include substance abuse counselors, social workers, registered nurses, and art therapists.
What are jobs helping others without a degree?
A bachelor’s degree, master’s degree, or doctoral degree is not required for all jobs that help people. For example, home health aides and personal care aides help people with daily tasks and give companionship. Typically, formal education is not required, but training and a caring personality are important to actually help people.
Best Jobs That Help People – Summary
I hope you enjoyed this article on the best jobs that help people.
When you think about jobs that help others, you might think of social work or healthcare right away.
But there’s a wide range of options, including jobs in teaching, therapy, public service, and even technical fields like translation or environmental engineering.
Each of these jobs is important for making our community better and healthier, often by working directly with people to make their lives better. These roles give more than just a paycheck – they give you the satisfaction of knowing that your work helps people outside of the office too.
What do you think are the best jobs that help people and pay well?
In some popular budgets, 30% of your take-home pay goes toward the wants in life. So if you are wondering how to enjoy life when you have student loans, some of those funds can go to dining out, travel, and more. While student loans can eat up a portion of your disposable income, with smart budgeting, you can have some fun money available as you make your payments.
Read on for advice on how much money to earmark for fun when you’re focused on paying off what you borrowed for your education. Student debt, after all, is a phase of your life that you are moving through, and you can indeed find ways to live life while paying off student loans..
The Impact of Student Loan Debt
Yes, student loans can require time and effort to pay off. Many Americans are working their way through their payments. In fact, in one recent survey, the College Board found that 54% of undergraduate students at four-year institutions graduated with student loan debt. In other words, you are not alone.
Having that debt hanging over you can have an emotional impact in addition to affecting your finances. Student loan debt can result in higher levels of mental health issues; it can possibly contribute to money stress or feelings of depression.
That in turn can put strain on other aspects of life. It might, for instance, lead a borrower to delay life decisions, such as getting married or starting a family.
But having student loans on your plate can have a silver lining. That debt can encourage you to build positive financial habits as you work through your payments. You can learn how to budget efficiently. You can learn resilience and how to work through paying off debt. Consider it good practice for when you might have a car loan or a mortgage in the future. 💡 Quick Tip: Get flexible terms and competitive rates when you refinance your student loan with SoFi.
How Much Money to Allocate for Fun
As you look at your budget when paying off student loans, you might wonder, “What’s the right amount of money to allocate for fun?”
There’s no “right” or “correct” amount. Funds that you allocate toward fun (whether that means buying new clothes you don’t need, snapping up some concert tickets, or spending a long weekend at the beach) will need to work within your budget. Given that you are allocating a percentage of income toward student loans, here’s how to figure that out.
10% Rule
The 10% Rule refers to allocating 10% of your monthly income after taxes toward fun. For example, if you make $3,000 per month after taxes, you’d allocate $300 toward fun each month. You can use that amount guilt-free, whether you want to put it toward hobbies or dining out.
50/30/20 Rule
The 50/30/20 rule could also help you budget when you’re paying off student loans. Here’s how it works; you would allocate your take-home pay as follows:
• 50% essential expenses: Essential expenses refer to the cost of housing, food (groceries, not going out to brunch with friends), healthcare, and the like, as well as minimum debt payments, such as what you owe per month for your student loans, credit card, and car loan, if you have one.
• 30% discretionary expenses: Discretionary expenses include items that aren’t as essential, including dining out (like the above-mentioned brunch), personal care (spa days, training sessions), non-essential clothes, travel expenses, etc.
• 20% for savings and additional debt payments: You can think of these as putting money toward your short- and long-term goals. They can include savings, investments, or a child’s education. Or making additional payments toward you student debt to pay it off that much faster.
70/20/10 Rule
Another type of rule, the 70/20/10 rule, may seem just like the 50/30/20 rule, which it is — just with different allocation percentages. This rule means you divide your take-home pay as follows:
• 70% goes toward needs and wants.
• 20% goes toward debt repayment and short-term savings.
• 10% goes toward investing and donations.
You would figure out how much of that 70% you can allocate for fun to make this budget work for you.
Budgeting as a Couple
If you have a partner, you will have to decide how to budget your funds. Some couples keep their money separate, while others pool their resources. You may be in a situation where one person earns more than the other, or perhaps one is still in school. One or both of you may have student debt in a marriage. It can take some discussion and experimentation with different budget systems to decide how to divide your money up to cover:
• Essential expenses
• Discretionary expenses
• Goals
• Debt payoff
• Savings (whether for the down payment on a house, an emergency fund, or other goal).
💡 Quick Tip: It might be beneficial to look for a refinancing lender that offers extras. SoFi members, for instance, can qualify for rate discounts and have access to career services, financial advisors, networking events, and more — at no extra cost.
Choose Your Fun
Fun money should be intentional and focused. There’s no rule on how to live life while paying off student loans, so consider what would bring you joy. Would it be knowing you can go out to dinner once or twice a month? Being able to buy a new mountain bike? Becoming a member at your favorite local museum?
A quick reminder: Not that there’s anything wrong with saving for a crazy weekend in Vegas, but you don’t need to spend thousands to have fun. Don’t forget to also find low-cost fun with family and friends through free local concerts, movie nights at home, strolls through the local farmers’ market or sunset walks at a local park, potluck dinners, and similar activities. Making your own fun can be a free or cheap way to stretch your budget while paying off your student loans.
Monthly Budget Example
Here’s a quick example of a simple monthly budget. Say your take-home pay is $6,000 a month , and these are some basic expenses:
• Mortgage: $2,000
• Property taxes: $500
• Credit card debt: $500
• Food: $300
• Car loan: $300
• Student loans: $250
• Transportation (gas, etc.): $100
• Utilities: $260
• Healthcare: $300
• Retirement savings: $200
• Emergency fund savings: $200
• College savings for your child: $200
• After-school childcare: $500
Total expenses: $5,610
If you have allocated the amounts needed in the 50/30/20 budget rule, for example, then you would subtract $5,510 from $6,000, and you have $490 left. In that case, you may consider using the difference between your expenses and your income as your fun money, as long as you’ve covered all your bases with your expenses.
Set Goals for Life Beyond Debt
Imagine your future without student loans. Setting financial goals — such as paying off student loans or other debt or accruing enough cash for the down payment on a house — can help you build long-term financial stability and help you work toward financial freedom. The best way to do that is to plan to achieve these goals and stay committed to them.
Take a look at this example: Let’s say that instead of buying a new pair of shoes every month, you put $100 in an investment account every month. In five years, that amount could grow to $8,000, and over 30 years, it could grow to over $280,000.
Without dipping into a no-fun lifestyle or dealing with more money stress, consider finding a way to economize today to make tomorrow brighter. For example, maybe you could forgo or cut your fun money for a few months out of the year to build your savings. Or put the money saved toward crushing your student debt that much sooner.
Recommended: Ways to Stay Motivated When Paying Down Debt
How to Manage Student Loans
What’s the best way to manage student loans without forgetting to allocate money toward fun? Take a look at a few steps you can take.
Make It Automatic
First, consider setting up an automatic payment plan through your loan servicer. An automatic payment plan will automatically pull money from your account each month, ensuring you do not miss any payments.
Missing payments can result in a delinquent account, which happens the first day after you miss a student loan payment. If you remain delinquent on your student loan payments after 90 days, your loan servicer will report you to the three major national credit bureaus. This could lower your credit score, which might make it more difficult to obtain credit, get a job, or secure housing.
If that carries on, you could default on your student loan. Consequences could include the entire unpaid balance of your loan coming due, loss of eligibility for federal student aid, further damage to your credit score, wage garnishment, and possibly legal action against you.
This is an extreme situation, but making it automatic will prevent these issues from occurring.
Income-Driven Repayment
If you’re a federal student loan borrower, you may qualify for an income-driven repayment plan, which means monthly student loan payments get capped at a certain level of your income and family size.
Several types of income-driven repayment plans include the Saving on a Valuable Education (SAVE) Plan, Pay As You Earn (PAYE) Repayment plan, Income-Based Repayment (IBR) plan, and the Income-Contingent Repayment (ICR) plan:
• SAVE Plan: Caps your payments at 10% of your discretionary income and, as of summer 2024, possibly 5%.
• PAYE Plan: Caps your payments at 10% of your discretionary income, and you’ll never pay more than the 10-year Standard Repayment Plan amount.
• IBR plan: Caps your payment at 10% of your discretionary income if you’re a new borrower on or after July 1, 2024. If you’re not a new borrower on or after July 1, 2014, your payment generally caps at 15% of your discretionary income.
• ICR plan: Offers the lesser of 20% of your discretionary income or what you would pay on a repayment plan with a fixed payment over 12 years based on your income.
You must apply to qualify for one of these plans (contact your loan servicer) and update your income and qualifications every year to continue with one of these plans.
Prioritize an Emergency Fund and Retirement
Many graduates ask this question: Should I fund my retirement and emergency savings or pay off my student loans?
In most situations, there’s no reason why you can’t do both. Furthermore, it’s important to realize the importance of funding an emergency fund and retirement savings.
• Your emergency fund is a financial safety net that will allow you to pay for a critical home repair (think air conditioning in the summer!) or help cover the negative financial consequences of becoming unemployed. Ideally, you want to save three to six months’ worth of basic living expenses in an account where you can quickly get the money out if necessary.
• Saving for retirement when you have student loans can be an important step for your financial security as you reach older age. If you retire at 65 and live till 95, you must ensure you’ve saved enough to last those 30 years. Consider contributing at least enough to your retirement plan to get your employer match — many employers match between 3% and 5% of employee pay.
Putting money in all these “buckets” means prioritizing and organizing your debts, putting together a budget, tracking your spending, and setting savings goals.
Celebrate Your Progress
Don’t forget to take time to celebrate your progress! In addition to spending your “fun money,” you should also allocate time toward celebrating your student loan payoff goals.
For example, if you choose to pay off a high-interest rate loan and succeed in paying it off, consider rewarding yourself with a night out or another type of splurge — maybe a larger splurge than you would ordinarily allocate for fun money.
Recommended: How to Handle Student Loans During Job Loss
The Takeaway
While student loans and other debt types may make you feel burdened, remember that this is just a phase you are moving through. Building fun money into your budget can help bridge the gap between frustration and feeling like you have flexibility.
Write down a few things you enjoy doing, and budget for them. Also investigate other ways to free up funds to make paying off your student loans more manageable.
Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.
With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.
Photo credit: iStock/Dragon Claws
SoFi Student Loan Refinance If you are a federal student loan borrower, you should consider all of your repayment opportunities including the opportunity to refinance your student loan debt at a lower APR or to extend your term to achieve a lower monthly payment. Please note that once you refinance federal student loans you will no longer be eligible for current or future flexible payment options available to federal loan borrowers, including but not limited to income-based repayment plans or extended repayment plans.
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.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
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.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations.
Making a financial plan can be intimidating, especially if you don’t know all of the essential budget categories you should include. Budgeting isn’t a one-size-fits-all process either, as the importance of each category will largely depend on your specific financial situation.
This article will review the top 12 budget categories that can bolster your financial plan. Credit.com also has multiple personal finance resources that can enhance your financial literacy.
Several important budget categories account for housing, transportation, health care, entertainment expenses, and more.
Key Takeaways:
The prioritization of budget categories will be unique to your needs.
Some expenses have fixed prices, while others have variable costs. You’ll need to account for both from one month to the next.
Tools like money apps and budget spreadsheets can help you visualize your spending habits.
Table of Contents:
Why Do I Need a Budget?
A budget can ensure that you aren’t caught off-guard by bills throughout the month—especially near the month’s end or right before you get paid. Keeping a budget can also provide long-term data based on your spending habits and serve as a snapshot of your priorities.
Effective budgets can help you plan for longer-term goals, like retirement, and inform you of what expenditures truly make you happy—and which ones aren’t necessary.
Fixed Expenses vs. Variable Expenses
Fixed expenses refer to items that essentially cost the same each month, with very little fluctuation in terms of pricing. Mortgage and rent payments, auto loan payments, and internet service bills will likely fall into this category.
Variable, or flexible, expenses can drastically differ from one month to the next. The amount you spend on groceries, clothes, entertainment, and even medical appointments can all vary over time.
Top 12 Budget Categories to Add to Your Plan
The following budget categories can help you map out your monthly expenses. Depending on your unique circumstances, these categories may need to be adjusted in terms of their priority.
1. Housing Expenses
Housing often takes top priority as your living space is directly tied to your long-term health and safety. You also need a stable housing situation to perform well at work and ensure that you have the funds to make your mortgage or rent each month.
While there’s no strict maximum for the housing category, you can expect to spend anywhere from 25% to 35% of your income on your mortgage or rent payments. If your housing budget exceeds more than 35% of your monthly income, refinancing your mortgage or looking for another living space might be more expense-friendly in the long run.
Items that fall in housing expenses:
Rent
Mortgage Payment
Appliances
Household Repairs
2. Utilities
The ability to live comfortably in your home is just as crucial for your health as actually having one, which is why utilities are usually another high-priority item. Many residential buildings in some urban areas have ordinances that require certain utilities, like water and electricity, to be considered safe living.
Utilities rarely come close to the top of the list of expenses in terms of cost, and you can reduce their cost with proper management. Depending on their usage, you can expect to spend around 5% to 10% on monthly utilities.
Items that fall in the utilities category:
Electricity
Water
Telephone
Natural gas
Sewer
Trash
Heating
Air conditioning
3. Transportation Costs
Owning or leasing a vehicle, along with repairing it, can be another high-priority expense. Some areas may complement alternative means of transportation, such as public transit or biking—which would result in much less money going toward this category.
The cost of owning a car includes the tags, licenses, and maintenance on top of the monthly car payments. Depending on your method, transportation or travel expenses will likely cost you anywhere from 10% to 15% per month.
Items that fall in transportation costs:
Gasoline
Car payment
Registration fees
Vehicle repairs and maintenance costs
New tires
4. Groceries
Groceries (not food from restaurants) and water encompass our basic needs. Store-bought groceries and water may require a large chunk of your income, though this category offers a lot of flexibility in terms of total spending.
Cooking dinner at home with groceries can help you save money, as many home-cooked meals can last multiple days. You should probably expect to spend between 10% and 15% of your monthly income on food expenses.
Items that fall in the food category:
Grocery budget
School lunch
5. Insurance
This broader category covers numerous subcategories that apply to different people. For example, if you live in a large, urban area with well-run public transportation, you may not have to worry about auto insurance.
Insurance may be classified under different categories depending on who you ask. Some pundits include health care in this category, for example. Depending on what type of insurance you need and your insurance premiums, you can look to spend anywhere between 10% to 25% of your income on this category.
Items that fall in the insurance category:
Life insurance
Auto insurance
Renters insurance
Homeowners insurance
Health insurance
Vision insurance
Disability insurance
Dental insurance
Vision insurance
Pet insurance
6. Health care
This category may have higher or lower priority depending on your specific health needs. Health and dental insurance in America is also quite costly—making them one of the primary reasons Americans go bankrupt.
Health care costs include annual checkups, clinic visits, prescription medications, and general medicines, like pain relievers. Health care is a variable expense because some months can be costly while others don’t have any expenses. Even when you don’t have any expenses, it’s a good idea to put away a little cash for a rainy day.
Items that fall in the health care category:
Anticipated copays
Prescription medications
Orthodontic work (braces)
Prescription eyeglasses
Primary care visits
Dental care visits
7. Savings
Everyone needs some kind of emergency fund to cover those unforeseen expenses. Regularly dedicating a small portion of your monthly income can help you save for major life events down the road.
There’s no hard line about what amount you should save, but a safe bet is between 5% and 10% of your monthly income. Saving this amount can help you handle emergency expenses and create a nest egg for a future big purchase.
Items that fall in the savings category:
Emergency fund
Health savings accounts
Fun money
Three to six months’ worth of expenses
Saving for a specific purchase (vehicle, college savings, vacation, etc.)
8. Retirement
While you could argue that retirement or a 401(k) is a type of savings, we refer to savings as money that can be used for any expense without penalty. Retirement accounts like IRAs help you save money that’s intended for use in the future. If you take money out of your retirement account before the preset time (unless you have a 457(b) account), you will incur a 10% tax penalty.
Much like savings, this is another category without a hard-line amount that you should contribute but should see at least 5% to 15% of your income. Ideally, you can primarily rely on this money once you’ve retired.
Items that fall in retirement:
Employer-sponsored retirement plan
401(k)
403(b)
Roth IRA
457(b)
9. Debt
This category applies to a significant portion of the U.S. population—especially those who have a student loan, credit card debt, or personal loans. Debt is a consideration that often has a lower priority level because we can pay it off over time. That said, it’s important to make sure you don’t fall behind on your payments as the penalties and fees can compound if left unchecked.
Because everyone’s situation is different, there’s no given amount of your monthly income you should dedicate to debt payments. We do, however, recommend that you pay more than the monthly minimum.
Items that fall in the debt category:
High-interest credit cards
Vehicle loan
Student loans
Personal loans
Medical bills
10. Personal Care and Hygiene Items
This category encompasses both wants and needs. Toilet paper and toothpaste should be considered “needs,” while designer clothes or expensive watches are examples of “wants.”
Because most personal expenses are lower priority, there’s no expected amount you should budget for this category, but it should remain relatively low on your list of priorities. Ensure that everything else above on this list is covered first, then look to see what you can spare on these purchases.
Items that fall in the personal care and hygiene category:
Shampoo
Deodorant
Toothbrush/toothpaste
Gym memberships
Shoes
Dry cleaning
Toiletries
Laundry detergent
Cleaning supplies
Diapers
Hair care
11. Entertainment
This category sits at the bottom of our list for a good reason, but it’s still essential to include. If you find yourself in a budget crunch, this is easily one of the first categories you should reduce until finances stabilize.
Sporting events, vacations, or streaming services like Netflix fall into this category. Given its otherwise low priority, there is no set amount you should spend on entertainment, and extra money can shift from month to month.
Items that fall in the entertainment category:
Books
Electronics
Restaurant dining
Concert tickets
Events
Vacations
Movies
Coffee
12. Other
This low-priority category covers pretty much anything else not already discussed. That can include property taxes that are a high priority in most circumstances, but you can often work with the IRS to get a debt repayment plan.
Various “other expenses” might also include donations, parking fees, child support, gifts, and school supplies, depending on your circumstances.
Some of these other expenses are significantly more important than others, but things like home improvement can be considered a kind of investment.
Items that fall in the other budget category:
Miscellaneous expenses
Child care
Holiday decor
Special occasions
Alimony
Anniversary presents
Tutoring
Private school
How Do I Make a Budget?
Considering the budget categories we presented in this article, one budgeting method that could work for you is a monthly budget spreadsheet. Or, you can use a budgeting app like Mint or another high-end competitor.
There are plenty of resources to use, so you should do lots of research on any budgeting apps that you consider downloading. Since not all of the apps work the same, search through different apps to find what best serves your budgetary needs.
What Is a 50/30/20 Budget?
Numerous financial pundits advocate for a 50/30/20 budget scheme, in which 50% of your income goes to necessary expenses, 30% goes to savings accounts, and 20% goes to wants and miscellaneous expenses. It’s also not uncommon to see people devote 30% of their funds to wants and 20% to savings.
This strategy often faces scrutiny during periods of economic strife, such as high inflation rates. Nevertheless, many budgeting apps may recommend this plan if your current income can support it.
Refine Your Budgeting Plans With Credit.com
The categories we’ve discussed today, along with their corresponding priority levels, can all vary from person to person. Building the best budget for your specific needs calls for a bit of craftiness and professional assistance.
Credit.com offers a wealth of tools and resources to help build credit, such as a free monthly budget template and services that allow you to report your utility and rent to the credit bureaus.
See what makes Cincinnati such a sweet spot to call home.
Welcome to Cincinnati, a hidden gem in the heartland of America. This article will act as your guide to understanding and enjoying everything that makes Cincinnati such a unique and enjoyable place to call home.
Whether you’re drawn by the allure of its historical significance, the plentiful employment opportunities, the many entertainment options or the outdoor splendor and downright delicious local dishes, Cincy has something for everyone. But what is Cincinnati known for, beyond the stereotypes? Let’s embark on a journey through the streets of this charming city, exploring the very essence of what makes Cincinnati, well, Cincinnati.
History
Situated on the banks of the Ohio River, the origins of Cincinnati trace back to 1788, making it one of the earliest settlements in the Midwest. Named after the Society of the Cincinnati, an organization honoring George Washington, the city initially flourished as a port town. The 19th century saw Cincinnati’s golden era, where it emerged as a center for commerce and industry, largely thanks to the Ohio and Erie canals.
As the 20th century dawned, Cincinnati continued to evolve, adapting to the changing times with remarkable resilience. Its architectural legend, seen in landmarks like the John A. Roebling Suspension Bridge, is a testament to its historical significance. In terms of innovation, Cincinnati was the birthplace of professional baseball with the Cincinnati Red Stockings in 1869, and later, the home of the first professional team, the Reds.
Cincy is also home to a ton of stellar educational institutions and a strong economy, anchored by sectors like healthcare, education and consumer goods. Today, Cincinnati is known for a lot. Above all, it’s a city where the past is not just remembered but celebrated and where a bowl of chili isn’t just a bowl of chili, it’s a plate of spaghetti too.
Employment
Beloved for its hard-working people and scenic riverfrontage, Cincinnati is equally notable for its employment opportunities. The healthcare industry is particularly strong, with major employers like Cincinnati Children’s Hospital Medical Center and UC Health leading the charge. These institutions are top healthcare providers and significant contributors to research and innovation in the medical field.
Education, another cornerstone of Cincinnati’s economy, is championed by esteemed institutions like the University of Cincinnati and Xavier University. These colleges are also major employers in the city, both fueling the intellectual and economic vitality of the region.
Cincinnati is also proud to host the headquarters of Procter & Gamble, a global giant in household and personal care products. This presence cements the city’s reputation as a hub for consumer goods innovation and business acumen.
Five of the largest employers in Cincinnati
The job scene in Cincy is also enriched by a burgeoning startup community, fueled by supportive initiatives like Cintrifuse and The Brandery, making the city a fertile ground for entrepreneurs and innovators. This blend of established corporations and emerging businesses creates a unique employment environment, where traditional industry expertise meets cutting-edge innovation, and everyone has an opportunity to snag a seat at the table.
The city’s strategic location along the Ohio River has historically made it a center for trade and logistics, a legacy that continues today with plenty of opportunities in transportation and warehousing. The diversity of Cincinnati’s employment opportunities, coupled with its commitment to innovation and growth, makes it an ideal place for career development and personal growth.
What is Cincinnati known for, in terms of entertainment?
Cincinnati offers more than a few entertainment options that cater to all interests. At the heart of its entertainment scene is the historic Over-the-Rhine district, a rejuvenated area where 19th-century architecture meets modern-day life. This district, famous for its beautifully restored buildings and lively streets, is home to Findlay Market, Ohio’s oldest continuously operated public market.
For music and theater enthusiasts, the Cincinnati Music Hall, an iconic venue known for its stunning architecture and world-class acoustics, puts on performances from the Cincinnati Symphony Orchestra, the Cincinnati Opera and a ton of other arts events. The city also prides itself on hosting the Cincinnati Art Museum and the Contemporary Arts Center, both renowned for their impressive collections and exhibitions.
Five of the best live performance venues in Cincinnati
For those seeking thrills and family fun, Cincinnati has options. The city is home to the famous Kings Island amusement park, just a short drive away, offering roller coasters and entertainment for all ages. Sports fans can enjoy the excitement at the Great American Ball Park, home of the Cincinnati Reds, America’s oldest professional baseball team, or catch a game at the Paul Brown Stadium, where the Cincinnati Bengals bring the big plays and the hard hits.
The Cincinnati Zoo & Botanical Garden, one of the oldest zoos in the United States, provides a captivating and educational experience for nature lovers. With its unique blend of historical allure and contemporary charm, Cincinnati’s entertainment scene offers a memorable experience that encapsulates the city’s spirit of innovation and tradition.
Outside
Celebrated for its striking riverfront and lush green spaces, Cincinnati offers a ton of things for outdoorsy types to do on a sunny day in the city. The crown jewel of Cincinnati’s outdoor portfolio is Smale Riverfront Park, a scenic expanse along the banks of the Ohio River, providing spectacular views and a variety of recreational activities. Another not-to-be-missed outdoor escape is the Cincinnati Nature Center, with miles of walking trails through picturesque forests and meadows, ideal for bird watching, hiking or simply soaking up the Cincy sunshine.
Five scenic state parks near Cincinnati
For the more adventurous spirits, the city’s proximity to the Ohio River opens up a world of water-based activities. Kayaking and paddle boating along the river provide a unique perspective of the city’s skyline, while also offering a peaceful retreat on the water. Little Miami Scenic Trail, a favorite among runners and bikers, provides a pathway through some of the most beautiful parts of Ohio.
Devou Park, situated in neighboring Covington, Kentucky, is still easily accessible from Cincinnati, and features breathtaking views of the city skyline, along with extensive trails and a challenging golf course. During the winter months, the nearby Perfect North Slopes resort in Lawrenceburg, Indiana, caters to skiers and snowboarders, offering snowy thrills just a short drive from the city.
Food
Cincinnati’s food scene is a delightful exploration of flavors and cultures that range from upscale to breakfast at the bar in a family-owned diner. A quintessential Cincinnati experience is tasting the city’s famous chili, uniquely served over spaghetti and topped with a mountain of shredded cheese – a dish that has become synonymous with the city’s soul.
Cincy also prides itself on its German heritage, evident in its love for sausages and goetta, a local breakfast specialty. Cincinnati also celebrates its brewing history, with a thriving craft beer scene that includes traditional breweries and trendy taprooms, each offering a distinct taste of the city’s rich brewing heritage.
Five of the best restaurants in Cincinnati
Helmed by creative chefs, Cincinnati is quickly transforming into a city that is a bonafide hub for gastronomic excellence. From fancy dining to cozy cafes, the variety caters to all palates. The Over-the-Rhine district buzzes with eclectic eateries and hip hangouts, providing a perfect blend of old-world charm and modern comfort.
Seasonal food festivals, like the Taste of Cincinnati and Oktoberfest Zinzinnati, offer opportunities to savor a range of dishes and celebrate the city at its finest. With a blend of historic flavors and contemporary flair, Cincinnati’s food scene offers a unique and memorable experience that is integral to the city’s identity.
See yourself in Cincinnati
After this brief exploration of one of the Midwest’s brightest stars, it’s easy to see that Cincinnati is not just a city; it’s a living, breathing entity full of history, innovation and community. Its robust employment landscape, coupled with its many entertainment options and outdoor activities, makes it a place of endless possibilities.
Whether you’re a resident discovering hidden gems or a visitor experiencing the city’s majesty for the first time, Cincinnati is a journey full of discovery and delight. From the rolling Ohio River to the bustling streets of Over-the-Rhine, every corner of Cincinnati tells a story, inviting you to be a part of its ongoing narrative. The only question now is, where will you settle down in the city?
RICHLAND TWP., Pa. – Eagles, Flyers, 76ers and Phillies fans will soon have a new spot to score jerseys, hats and other fan gear in upper Bucks County.
Rally House, a specialty sports store chain offering an expansive selection of apparel, gifts, home decor and other types of merchandise representing local NCAA, NFL, NBA, MLB, NFL and MLS teams, is planning to open a new location in a few months at 244 N. West End Blvd. in Richland Township.
The new store will fill the space previously occupied by Tuesday Morning, a home goods retailer, in the Trainer’s Corner shopping center, just outside Quakertown.
“We are opening a new Rally House location in Quakertown and excited to get it open to residents and fans,” stated Colin Novick, Rally House’s media and production manager. “We are aiming to have this store open in early spring in April.”
Rally House traces its origins to 1989, when Tim and Mabel “Peg” Liebert started “Mabel’s Kitchen,” a catalog featuring Kansas-related apparel, gifts and other merchandise.
Mabel’s Kitchen evolved into another business, “Kansas Sampler,” which featured five Kansas City area stores selling Kansas Jayhawks, Kansas State Wildcats, Kansas City Chiefs and Kansas City Royals gear.
The company experienced great success, and the Lieberts eventually decided to expand the business to other markets under the “Rally House” name in 2008, according to a company description.
Today, Rally House has more than 180 locations across 18 states. The new Quakertown area store will supplement more than a dozen other regional locations, including a Lehigh Valley shop in Lower Macungie Township, two other Bucks County stores and several locations in Montgomery County.
Rally House stays true to its roots by providing “an impeccable selection of local and team-related apparel and gifts, including exclusive designs available only at Rally House,” according to the company’s website.
Regional stores offer a wide array of merchandise, including clothing, blankets, glassware and signs, featuring logos and designs of Philadelphia and surrounding area teams.
Customers at the Lehigh Valley store, for example, can shop plenty of Philadelphia Eagles, Flyers, 76ers and Phillies items, along with merchandise showcasing designs of various regional universities, including Lehigh, Kutztown, Penn State, Temple, Villanova, Drexel, St. Joseph’s and West Chester.
Other area sports teams, including Lehigh Valley IronPigs and Philadelphia Union, are also represented.
Philadelphia area teams are primarily featured, but there is also a selection of merchandise featuring other popular teams such as the New York Yankees, Pittsburgh Steelers and New York Giants.
Customers can browse apparel such as T-shirts, sweatshirts, coats and shorts, along with footwear and fashion accessories such as slippers, hats, scarves and jewelry.
A wide variety of other gifts and home décor include items such as glassware, coasters, garden gnomes and flags, foam fingers, stuffed animals, keychains, pens, pennants, ornaments, cornhole boards, trash cans, calendars and umbrellas.
“Much like each person, no two Rally House stores are identical,” a message on the company’s website reads.
“They each carry merchandise customized and tailored to the specific collegiate and professional teams in that area. In additional to team apparel, Rally House offers a wide selection of local styles. This includes our very own exclusive line of RALLY Brand™ merchandise. The same items we have in our stores can also be found online at any time. We want to make things as easy and seamless as possible for fans who want to show their unique team spirit, regardless of wherever they live or shop.”
In addition to selling items relating to local sports teams, Rally House also works in conjunction with local sports stars and celebrities. These partnerships manifest themselves in the form of ticket giveaways, autograph sessions, radio remote contests and meet-and-greet events.
For the latest Rally House updates, follow the business’ pages on Facebook and Instagram. Info: rallyhouse.com.
Allentown updates
New Wawa could take Brass Rail’s spot next to Sheetz
ALLENTOWN, Pa. – The Allentown Planning Commission discussed a preliminary/final land development plan for a proposed Wawa convenience store Tuesday afternoon at city hall.
The proposal is offered for 3015 Lehigh St., the site of the former Brass Rail property. The plan involves consolidating two of the three existing lots, demolishing existing features on the consolidated lot and constructing the convenience store.
Should the proposed Wawa come to fruition, it would operate about 100 yards away from a Sheetz convenience store and gas station. Sheetz opened in August 2023 at the southeast corner of Lehigh Street and 29th Street, near Auto Zone. Additional nearby convenience stores and gas stations include a Turkey Hill on the other side of Sheetz and another Wawa about a mile north on Lehigh Street. Full story here.
Downtown Allentown Market welcomes new food vendor, says goodbye to another
ALLENTOWN, Pa. – The new year is bringing more changes to the Downtown Allentown Market, with one food vendor recently setting up shop and another bidding farewell.
Joining the 27 N. Seventh St. market is Randevoo, offering a twist on traditional Asian fusion cuisine.
Randevoo held a soft opening on Jan. 5 in space that was previously occupied by two other Asian concepts, Shinsen and Honmono Sushi, the latter of which closed in June following the owner’s move to Florida. Read more here.
Lower Macungie news
Lower Macungie planners recommend approval for Topgolf
L. MACUNGIE TWP., Pa. – The Lower Macungie Township Planning Commission recommend approval of a preliminary/final plan of an open-air entertainment facility Tuesday night at the administration building.
The plan, offered by Jaindl Land Co., involves the proposed Topgolf facility at the Lehigh Valley Town Center, slated for 361 Schantz Road and 4511 Cedarbrook Road. The proposed Topgolf and Town Center have already received conditional use approval.
Tuesday night’s recommendation involved the Topgolf facility, which includes a 72-bay golf driving range with a two-story, 20,460-square-foot building and associated parking on 11.5 acres within the Lehigh Valley Town Center. Topgolf will have site access from a private drive in association with the Town Center development. Read more.
New Lehigh County car wash to open later this month, joining 2 sister locations
LOWER MACUNGIE TWP., Pa. – Drivers looking to keep their vehicles in tip-top shape will soon have a new car wash to frequent in the Lehigh Valley.
The Car Wash on Hamilton, committed to providing customers with a “seamless and efficient car wash experience,” is expected to open by the end of January at 6794 Hamilton Blvd. in Lower Macungie Township.
The newly constructed car wash, totaling around 4,000 square feet, will supplement two sister locations: The Car Wash on Broadway, which opened in 2015 at 4540 Broadway in South Whitehall Township, and The Car Wash on West Main, which opened in October at 200 W. Main St. in Macungie. Full story here.
Bethlehem area buzz
Bethlehem restaurant closes, but owners continuing to serve customers via food trailers
BETHLEHEM, Pa. – The owners of a Bethlehem restaurant, serving up burgers, ice cream and more, have closed their eatery to focus on mobile operations.
Husband and wife Norman and Jill Matthews of Bangor have decided to shutter their 3.5-year-old south Bethlehem eatery, Dinky’s Ice Cream Parlor & Grill, and transition to a “completely mobile” business model, according to a post on Dinky’s Facebook page.
“That means we have two trailers, one that is just purely ice cream and the other is a food/ice cream truck,” they announced on the business’ Facebook page. “We will be going to different events, fairs, parties, food truck gatherings and hopefully breweries in the in the surrounding areas. Then we can get caught up with our loyal customers. Read more here.
Family-run restaurant rebrands with new name, look in Bethlehem
BETHLEHEM, Pa. – A popular fast-casual eatery, serving “gourmet quality comfort food,” is kicking off the new year with some changes in Northampton County.
Hummus House, a family-run restaurant known for its fresh sandwiches, salads, wraps and more, has rebranded to HandHeldz at 518 E. Third St. on Bethlehem’s South Side.
New signage was installed on Monday, and the business’ first day as HandHeldz was on Tuesday. Read more.
New expansive facility offers prime training space for athletes, teams in Northampton County
BETHLEHEM TWP., Pa. – A new indoor training facility is helping sports teams, clubs and athletes stay at the top of their game in the Lehigh Valley.
Powerballers Athletic Center, offering year-round training opportunities and a top-tier environment where youth and individuals of all ages can passionately pursue and enjoy their sport, opened in late November at 2550 Brodhead Road in Bethlehem Township.
The 14,000-square-foot facility features 10,000 square feet of flexible turf space, over 1,200 square feet of strength training space, batting cages, certified coaches and a climate-controlled environment. Full story here.
Expanding businesses
HiJinx Brewing Company to bring ‘fun and friendly’ vibe to 2nd Lehigh Valley location
A popular Allentown brewery is expanding its footprint in Lehigh County.
HiJinx Brewing Company, producing a wide array of craft beers that include IPAs, pilsners, porters and stouts, on Thursday announced plans to open an additional location at Sports Factory of the Lehigh Valley, 6616 Ruppsville Road, Upper Macungie Township.
The new location will supplement HiJinx’s original taproom and production facility, a 4,000-square-foot venue that opened in 2014 at the Allentown Economic Development Corporation’s Bridgeworks Enterprise Center, 905 Harrison St., Allentown. The brewery is in Suite 111. Read more here.
A-Treat Birch Beer expands as a fountain soda option at more Lehigh Valley restaurants
A month after announcing a partnership with Lehigh Valley hot dog shop chain Yocco’s, Jaindl Beverage Company – owner of A-Treat soda brand – has announced more local venues carrying A-Treat soda on tap.
In addition to being served at all five Yocco’s locations, A-Treat Birch Beer is now available as a fountain drink at Westside Grill in Upper Macungie Township, Wild Turkey Grill (at The Club at Twin Lakes) in North Whitehall Township and Moselem Springs Golf Club in Richmond Township, Berks County.
Westside Grill, Wild Turkey Grill and Moselem Springs Golf Club are owned by Jaindl Land Development. Read more.
Odds and ends
‘The store of the future’: Dave & Buster’s gears up for grand reopening after remodel
WHITEHALL, Pa. – A popular entertainment facility is ready to level up its services in Lehigh County.
Dave & Buster’s, the entertainment and dining chain that invites guests to “eat, drink, play and watch,” on Friday debuted its reimagined Lehigh Valley location on Friday.
The Whitehall Township location, at 1491 MacArthur Road, opened in October 2020 at a Lehigh Valley Mall outparcel, which was previously home to Friendly’s and Wendy’s restaurants as well as an office building. Full story here.
The Promenade Shops welcomes new tenant, hosting ‘Wonderland on Main’ event
UPPER SAUCON TWP., Pa. – The new year has brought a new tenant to The Promenade Shops at Saucon Valley.
Fulton Bank, offering a broad array of financial products and services in Pennsylvania, New Jersey, Maryland, Delaware and Virginia, on Monday opened its newest Lehigh Valley branch at 3060 Center Valley Parkway, Suite 839, Upper Saucon Township.
The branch offers a variety of services, including deposits, loans, check cashing and safe deposit boxes. Read more here.
Schuylkill County winery earns ‘best white wine’ in Pa. distinction from prominent wine critic
WEST PENN TWP., Pa. – A Schuylkill County winery is making a splash in 2024, with high praise on a well-known wine media platform.
Galen Glen Winery, at 255 Winter Mountain Drive in the Andreas section of West Penn Township, earlier this week received acclaim on JamesSuckling.com, a prominent wine media platform and events company with offices in Hong Kong.
Senior Editor Stuart Pigott labeled the Galen Glen Riesling Lehigh Valley Stone Cellar 2022 as “the best white wine he has ever tasted from Pennsylvania,” according to a Weekly Tasting Report. Read more.
Berks buzz
‘Stay and sip a while’: Folino Estate owners open 2nd Vintner’s Table wine bar and restaurant
WYOMISSING, Pa. – The owners of Folino Estate Winery near Kutztown have opened another tasty venue in Berks County.
Husband and wife Marco and Andrea Folino, who opened Folino Estate in Greenwich Township in 2015, on Tuesday opened a second location of Vintner’s Table – a wine bar and restaurant serving up Folino’s hand-crafted, award-winning wines along with charcuterie and light bites – at 945 Hill Have. Suite 100 in Wyomissing.
“We welcome you to reserve a seat at our table,” an announcement on Vintner’s Table’s Facebook page reads. “Our menu was a labor of love carefully curated to bring you an elevated dining experience full of rustic Italian flavors paired with our award winning wines in a chic and cozy atmosphere that invites you to stay and sip a while.” Full story here.
New golf simulator at Sly Fox has golfers hitting the virtual links
WYOMISSING, Pa. – There’s a new gathering place inside an already familiar spot in Wyomissing that can transport you to dozens of golf courses around the world.
While it’s winter outside, the basement of Sly Fox Brewing, dubbed the Foxskeller, features a whole different vibe.
Golfers are teeing up and taking their swings on brand new golf simulators. Read more here.
Vinyl enthusiasts to descend on Leesport Farmers Market this weekend for ‘Record Riot’
ONTELAUNEE TWP., Pa. – It’s about the search for something special.
“Number one, I’m a collector. All these guys that sell records they all are interested in records, so I’m looking at his records saying ‘What does he have?’ And I saw something I want to buy,” said Record Riot event organizer Stephen Gritzan.
Thumbing through crates of creative work put to vinyl is a physical interaction that seems increasingly rare. Read more.
‘Heavy heart’: Moe’s Southwest Grill location to close after 10 years in Berks County
EXETER TWP., Pa. – An eatery serving up made-to-order burritos, quesadillas, nachos and tacos is ending operations this weekend in Berks County.
A location of Moe’s Southwest Grill, a fast-casual restaurant franchise serving “high quality and fresh southwestern food,” will close on Sunday at 4725 Perkiomen Ave. in Exeter Township.
The restaurant is located in the Exeter Commons, between a Fine Wine & Good Spirits store and L.A. Nails Day Spa. Full story here.
Closing notes
Rite Aid closes Bethlehem store, with another Lehigh Valley location set to shutter on Jan. 15
Two Rite Aid stores in the Lehigh Valley are ceasing operations this month, joining several other regional locations of the pharmacy chain that closed in 2023.
First, a Rite Aid store at 104 E. Third St. on Bethlehem’s South Side shuttered on Wednesday, Jan. 10, according to storefront signage, addressed “Attention: store closure.” Read more here.
American Eagle Outfitters closing Lehigh Valley store
PALMER TWP., Pa. – A well-known clothing retailer is reducing its brick-and-mortar footprint in the Lehigh Valley.
American Eagle Outfitters, a leading global specialty retailer offering high-quality, on-trend clothing, accessories and personal care products, will close its American Eagle store at the Palmer Park Mall in Palmer Township on Jan. 20, a store manager said.
The manager could not comment on the reasons surrounding the upcoming closure. Read more.
Discount variety store closes in Easton area
PALMER TWP., Pa. – A destination for affordable snacks, household items, party supplies and more has closed in Northampton County.
One Dollar Zone!, a discount variety store “where you can find trusted brands and thousands of great quality items for as low as $1.00,” closed a couple of weeks ago at 785 S. 25th St. in Palmer Township.
It’s unclear what led to the store’s closure. A company representative did not return a message seeking more information, and a sign on the door simply reads, “WE ARE CLOSED.” Full story here.
The seniors who are often the parents of Generation X and Generation Y (millennials) could become a pronounced expense for their kids in the coming years, but adult children also want to see their parents successfully age in place.
This is according to a commentary from Sarita Mohanty, president and CEO of elder financial advocacy organization The SCAN Foundation in a commentary published by Fortune.
There will be 16 million “middle-income” seniors in the U.S. by 2033, Mohanty said, citing a 2022 study from the National Opinion Research Center (NORC) at the University of Chicago.
“As NORC’s research summary explains: ‘Many will struggle to pay for the health, personal care, and housing services they need. […] Even with home equity, nearly 40% will not be able to afford assisted living,’” she cited.
These kinds of expenses have only become more burdensome over time, Mohanty said.
“In 2002, adults over 65 spent $48,000 (adjusted for inflation) a year on average, according to data from the Bureau of Labor Statistics,” she wrote. “Today, the average is $58,000, a more than 20% increase. The average rent and medical costs for those in assisted living currently stand at $65,000 a year.”
The far and away preference for both U.S. seniors and their children is for the seniors to age in place in their own homes, Mohanty said. Citing a survey from Today’s Homeowner, 89% of Americans at or over the age of 55 want to remain in their homes.
But a late 2023 survey by CNBC found that nearly 60% of Americans feel they are not on track to retire comfortably, Mohanty pointed out, and that lack of assurance in their own retirement security means the younger generations are often unprepared to assume any support position for their parents.
“Something has to give,” she said. “If you’re in the sandwich generation – Gen X and older millennials – and want to share in the responsibility for their parents’ retirement, you should begin by thinking of your parents’ retirement plans in the context of your own.”
In December, the U.S. Department of Housing and Urban Development (HUD) announced a $40 million notice of funding opportunity to connect seniors in affordable housing with resources that could help them age in place.
The reverse mortgage industry often describes its product as a vehicle that can help older Americans remain in their homes since a core requirement of any reverse mortgage is for the borrower to remain in the property as their primary residence.
Houston relocations are up yet again, and it’s no surprise considering the city’s low cost of living.
With a metro area population of over seven million, Houston is booming. New residents are discovering the perks of living in one of the most popular cities in the Lone Star State. With a diverse population, sunny climate and plenty of entertainment options, Houston is an excellent choice for many young families and working professionals. According to labor statistics, it also has a rapidly growing job market.
Best of all, Houston‘s overall cost of living is nearly 6 percent under the national average — pretty impressive for the fourth-largest city in the nation.
Cost of living in Houston
Figuring out the cost of living index for a city requires a lot of comprehensive information and data. From accommodations and food to healthcare and goods and services, here’s how it all breaks down.
Housing costs and average rent
Data shows that housing costs in Houston neighborhoods are 18.6 percent lower than the national average. When it comes to renting, you can’t beat the price.
The average rent in Houston is just $1,264 (up 16 percent from the local average last year) for a one-bedroom. Rent prices for studio apartments are around $1,375 and two-bedroom apartments average $1,649. Of course, rent varies depending on which Houston neighborhoods you choose to call home. Also, splurging for a fancy apartment will also drive up the cost of the rent.
Most expensive and affordable neighborhoods
According to rent statistics, the Museum District, Uptown-Galleria and Downtown Houston are the most expensive neighborhoods in Houston for renters. The Museum District neighborhood is the cultural hub of the city, home to Hermann Park, the Houston Zoo and the Museum of Fine Arts. Average apartment rent prices here range from $2,264 to $2,049. Downtown is another popular area with great dining, things to do and outdoor fun at spots like Buffalo Bayou Park.
Medical Center and Great Uptown are two other top-tier expensive neighborhoods for rent in Houston.
For the most affordable neighborhoods in the city, rent in areas like Hearthwood Condominiums, North Houston and East Houston. These are popular areas for budget-conscious renters and families seeking affordability and good schools. You can find one-bedroom housing units starting at $686 in rent and going up to $738 in these areas.
Most popular neighborhoods
If you’re looking for a happy balance between affordable rent and quality of life, you may want to consider an apartment in one of Houston’s most popular neighborhoods. The Waterford Square neighborhood, Inner Loop and Montrose are among the most popular Houston neighborhoods.
Here, renters will find apartment rent in the $1,578 to $1,265 range. But they generally are more hip, desirable areas to live in, with better access to amenities and entertainment than some of the more affordable areas. That can include trendy art and dining districts like those in Montrose, schools, parks and more.
Buying a house
When you’re ready to buy a house in a local neighborhood, Houston offers some of the lowest home prices in the nation among large cities. Data provided by sister company Redfin shows that the median cost for a single-family home is around $312,000. In other cities like Austin and Dallas, average home costs vary from $405,000 to $581,000. San Antonio is a little more affordable than Houston. The homeowner’s market here is also not as cut-throat as in other major cities, giving you better chances to score your dream house in your dream neighborhood.
Food costs
The cost of living in Houston for food is cheaper than in other parts of the country. Average food prices are nearly 4 percent lower than the national average.
A dozen Grade A eggs typically cost just $1.55, while a loaf of whole wheat bread runs around $3.62 and a pound of ground beef is $4.14.
Unfortunately, the price of some basic grocery items here is higher than in other major Lone Star State cities. While a half-gallon of milk in Houston will cost around $2.04, it would be $1.98 in Austin.
Not a fan of cooking at home? Texans love to eat out and typically do so up to seven days a week. According to data from Zagat, Houston locals dine out more than any other city in the nation.
Utility costs
Utilities are the only cost of living factor that’s higher than the national average. All those hot Houston summers will run up your electricity bill. On average, Houstonians should expect to pay around $194 per month on total energy costs — 7.4 percent higher than the national average.
Houston operates with a privatized energy distribution model. Consumers can save money by comparing energy providers like CenterPoint Energy or TXU Energy.
Impressively, Houston gets 92 percent of its power from renewable energy sources like solar and wind. That puts it up there with places like San Francisco as a leader in renewable energy usage.
Transportation costs
Houston is largely a commuting city, so having a car is necessary for many parts of the metro area. But it still does have a reliable public transit system. If you live closer to downtown, you can get around primarily relying on public transportation or by walking and biking. Houston has a fairly decent walk score of 55 and bike score of 53, though the city’s transit score is just 46 out of 100.
Luckily, data shows that transportation expenses in Houston are almost 4 percent cheaper than the national average. So, if you do need to use or rely on public transit, it’s affordable.
The METRO system’s fares for local buses or METRORail is just $1.25 per ride or $3 for a Day Pass. Frequent riders can use a METRO Q Fare Card that acts as a digital wallet. It also grants users free unlimited transfers for up to 3 hours after starting their trip.
If you own your own vehicle, getting around on Houston’s major toll roads will cost you between $0.50 and $1.75 per segment of highway. Most drivers opt for the EZ TAG automatic toll pass.
Parking in downtown Houston is pricey. Monthly parking rates vary by location but you can find deals for as little as $50 a month in low-demand areas. Meanwhile, average rates in high-demand areas range from $150 to $400.
Gas prices and car repair costs
Houston’s gas prices are some of the cheapest in the nation. A gallon of regular unleaded averaged $2.40 in 2021. However, this is subject to change and market volatility.
Auto maintenance is also affordably priced at just $55.89 for a tire balance service.
Healthcare costs
The cost of healthcare in Houston is 3.6 percent cheaper than the rest of the nation, despite offering some of the best world-class facilities. Houston hospitals often score top-ranking positions in U.S. News & World Report’s “Best Hospitals Honor Roll and Medical Specialties Rankings” list.
While calculating an average cost for unique individual healthcare needs is difficult, you can get a good idea of the price of medical expenses in Houston by looking at the average cost of some basic services. A visit to the doctor is around $92, while an optometrist appointment costs just under $100 on average and a dentist visit just over $107.
Meanwhile, an OTC medication like Ibuprofen costs an average of $9.83. Also, the average cost of prescription drugs comes in at just under $472 (without insurance).
Just as with your own personal healthcare costs, pet care costs less in Houston. A typical vet visit should run just about $54.
Goods and services costs
The price of other miscellaneous goods and services in the Houston area hovers just above the national average (0.8 percent). Nearly everything from your mechanic to your clothing will cost about the same as it would elsewhere.
Houston is home to plenty of entertainment options, so date night here is affordable. Movie tickets are reasonably priced at $9.63 per ticket, even lower than other in-state metro areas like El Paso and Dallas.
Personal care expenses are also cheaper in Houston. A basic haircut comes in at an average of $21.69, while a visit to the dry cleaners will cost an average of $9.47.
Taxes
In Texas, you’ll have no state income tax munching away a large portion of your paycheck. However, if you’re a homeowner, you may use some of that larger take-home pay on property taxes. Texas has the seventh-highest property tax rate in the nation.
Texas does have a state sales tax, which is 6.25 percent. Various other taxes like county or city can bring that up to 8.25 percent.
The Lone Star State also typically holds an annual sales tax holiday in the fall for clothing and back-to-school supplies and another in the spring for emergency preparation supplies.
How much do I need to earn to live in Houston?
Financial experts advise keeping your rent or other housing expenses under 30 percent of your total household budget. You want to have enough for rent and to still live comfortably and enjoy city life. Considering the average rent in Houston is $1,264, that means you would need to make at least $50,560 to reasonably afford a one-bedroom apartment to rent in Houston.
Since the average annual salary in Houston is $74,000, you can cover rent in Houston comfortably and have plenty left for all other Houston costs of living expenses.
To help determine how much rent you can afford based on your annual salary, check out our handy rent and cost of living calculator.
Living in Houston
The cost of living in Houston is a bargain for those used to high prices in other urban areas. All categories except for utilities run lower than the national average. Everything from groceries to food is affordable. Living in the city, Houston locals have access to everything from great dining to world-class art. Plus, the average rent in Houston will feel like a breath of fresh air to many transplants.
For these reasons, relocation to Houston in 2022 is a great move.
Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of March 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.
Inside: Learn how many months it usually takes for your budget to start working effectively. Plus explore successful budgeting strategies.
Learning to budget can often be a challenging process, but its benefits are irreplaceable. Initially, it might feel overwhelming, as it involves accounting for every small expenditure, adhering to a fixed financial plan, and exercising self-control.
The frustration often emerges from unexpected expenses or changes in income, like getting a raise or having to make a new car loan payment.
However, this ongoing process ultimately fosters financial discipline, enables goal-setting, offers a clear financial picture, and encourages proactive handling of money matters, making the frustration worthwhile.
According to experts, it could take up to three months to adapt to a new budget.
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The Essential Role of Budgeting
Financial budgeting plays a critical role in managing resources efficiently, informing financial goals, prioritizing initiatives, optimizing financing opportunities, and offering flexibility in various situations.
These reasons make it a highly regarded tool in business and personal finance.
Defining Financial Budgeting
Financial budgeting is a systematic approach to managing your finances by mapping out your income and expenditures over a designated period.
This process provides a framework to guide your financial decisions, which aids in achieving your monetary objectives.
It’s essentially an overview of your financial position, goals, and cash flows.
How many months does it usually take for your budget to start working as a budget should?
As per our expert opinion, it typically takes around three months for a budget to start functioning effectively.
When starting a new budget, it’s normal not to see results immediately.
This time frame allows for adjusting to new spending habits, dealing with unexpected costs, and instilling a sense of discipline and control over your finances. Remember, budgeting requires patience and commitment.
Practicing Efficient Budgeting Techniques
Now, the key to being successful is having a few budgeting tricks up your sleeve.
I can guarantee you that budgeting is actually freeing. This is how you do it!
The Process of Getting One Month Ahead
Getting one month ahead in your financial budgeting means living off last month’s income.
In this practice, you pay November’s bills with October’s income, for example, essentially preventing you from spending money you haven’t earned yet.
To set up this process, create a monthly budget, determine your income and expenditures, establish your spending goals, and ensure your income exceeds your spending. More than likely, you will have to save money to get one month ahead of bills completely. YNAB can help you with this.
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Familiarizing with Zero-Based Budgeting
Zero-based budgeting is a method where every penny of your income is allocated to different categories, from necessary and discretionary spending to savings and debt payments.
You start each month with a fresh budget, balancing out your expenses and income to zero. This approach demands meticulous attention to detail and is best suited for individuals with a fixed income and predictable expenses.
Executing the Envelope Method
The envelope method involves assigning an envelope (physical or digital) to each spending category, such as grocery or utilities, and putting cash into each envelope for planned expenditure. Once the cash in an envelope finishes, it means you’ve exhausted your budget for that category.
This method, as per expert suggestion, instills discipline and curbs overspending, making it an ideal choice for cash-driven individuals. Connecting this method with digital tracking systems is possible with the cashless envelope system to cater to those using debit or credit cards.
12 Effective Strategies to Make Budgets Work
These strategies not only allow the allocation of resources efficiently, but also help set realistic financial goals, prioritize projects based on their potential cash flow, and explore optimal chances to reach financial independence.
Moreover, having a budgeting plan in place also ensures flexibility to adjust to unanticipated financial challenges, contributing to long-term wealth creation.
1. Determine Goals and Objectives
Start your budgeting process by clearly defining your financial goals and objectives. Are you aiming to buy a new home, fund your education, or build an emergency fund?
Whatever aspiration you have, short- or long-term, incorporating them into your budget amplifies your drive and focus on achieving them.
This goal-driven strategy aligns your budgeting with your needs and wishes, creating a financial roadmap toward your envisioned milestones. Consider these smart financial goals to get you started.
2. Better Planning, Fewer Surprises
Planning your budget effectively requires a thorough consideration of all personal budget categories.
Also, incorporate both short and long-term financial goals into your budget by prioritizing them, such as purchasing a home, taking a vacation, or furthering your education. Regularly reviewing and adjusting your budget accordingly, based on changes in income or unexpected expenses, can also ensure you stay on track.
Utilizing a variety of budgeting tools, like spreadsheets, apps, or budgeting software, can simplify this process and help keep you accountable.
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3. Reduced Financial Stress through Budgeting
A successfully implemented budget significantly reduces financial stress by providing an accurate picture of your financial health.
With a well-defined budget, worries about overspending, living from paycheck to paycheck, or falling into debt diminish. Monitoring and updating your budget will allow you to feel more confident and secure about your financial standing, paving the way to monetary stability.
4. Deciding When to Review Your Budget More Frequently
An effective budget is not a set-and-forget one; it requires regular check-ins and updates. A bill calendar is very helpful.
A recommended starting point is a monthly review. However, when first starting out, you will need to review your budget monthly until you find it working for you.
Other situations may need more frequent check-ins according to changes in income, financial goals, or unexpected expenses.
5. Spot Potential Room for Improvement
Budgeting provides a realistic view of your spending patterns, allowing you to identify areas of improvement.
Upon reviewing your budget, you might notice unnecessary expenditures or categories where expenses consistently exceed budgeted amounts. Such insights help you re-evaluate your spending habits and update your budget accordingly.
This phase coupled with a no spend challenge involves being brutally honest with yourself, taking into account your needs, wants, and financial realities.
6. Analyze Your Expenses and Income
Critical examination of your income and expenses is crucial for successful budgeting. Begin by calculating your total income, then list and categorize your monthly expenses into fixed and variable.
Pinpointing the difference between the totals can highlight whether you’re living within your means.
If your income surpasses your spending, consider investing the surplus.
Conversely, if your expenses outnumber your earnings, think about ways to increase income or decrease spending.
7. Set Limits for Your Budget Items
Setting reasonable spending limits for your budget categories ensures financial discipline. Check each category of spending—groceries, entertainment, or personal care, for instance—and contemplate areas you can cut back.
Ask around to see how much others are spending in certain categories in your neighborhood.
Remember, your budget should be flexible and realistic to your lifestyle, ensuring you don’t feel deprived. Embed small “wants” into your budget to keep the whole process enjoyable and sustainable.
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8. Create a System for Tracking Your Expenses
Creating an efficient system for tracking expenses is vital to maintaining control over your finances. This could be a simple spreadsheet, a manual ledger, or budgeting apps on your smartphone.
Tally every cent spent, dividing your expenses into their respective categories—rent, food, clothing, utilities, etc.
This way, you get a detailed insight into your financial habits and can identify potential areas for savings. The method isn’t as important as its thoroughness in ensuring no expense gets overlooked.
9. Track Your Spending with a Spreadsheet
Spreadsheets are an optimal resource for tracking spending. You can utilize an online template, like Tally, or make one yourself from scratch.
As you spend, record each transaction under the fitting category. This real-time monitoring can help spot overspending, analyze spending habits, and adjust budgets as needed.
So, if you’re a whiz with Excel or Google Sheets, tracking expenses this way might be your best bet.
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10. Budget for Emergencies
Budgeting for the unexpected is an essential aspect of sound financial planning. Financial emergencies don’t knock before they occur; therefore, creating a buffer in your budget helps you face them without plunging into debt.
As an expert, we suggest an emergency fund of one month of income or at least $1000. Then, start a rainy day fund with three to six months of expenses.
Having these funds built into your budget ensures you’re financially covered for challenging situations such as job loss, medical emergencies, or sudden home repairs.
11. Talk to Your Family About Your Budget
Talking to your family about your budget ensures everyone understands and works towards your financial goals. This discussion becomes especially crucial if you’re budgeting for a household.
I always provide my family with an overview of the budget, explaining how it works and how we can achieve our goals. Being open about your financial plan can foster greater accountability, and cooperation to achieve shared financial objectives more seamlessly.
12. Look for Ways to Make Money
Increasing your income can be an effective strategy to make your budget work better, rather than solely focusing on cutting expenses.
By finding ways to earn more money, for example by taking a part-time job, freelancing, selling unused items, or investing, you add flexibility to your budget and reduce the pressure on spending.
Moreover, the additional income could be directed towards savings, debt repayment, or funding your personal goals as identified in your budget plan.
Financial Budgeting FAQs
Starting a budget begins by assessing your total income, followed by identifying and categorizing your expenses.
Once done, subtract your expenses from your income to understand your financial standing.
Next, set your financial goals—short term and long term.
Then, allocate your earnings across different categories, maintaining a balance between savings, expenditures, and other aspirations.
Review and adjust this plan periodically to ensure it aligns with your financial landscape.
Budgeting should ideally start as soon as a person starts earning money. It’s never too early to begin planning where your money should go, and late starters can still benefit significantly.
Budgeting is a lifelong practice that guides you to live within your means, handle emergencies smoothly, and achieve your financial goals efficiently. It’s an indispensable tool for ensuring monetary success and stability.
Successful Budgeting as an Essential Life Skill
Successful budgeting is undeniably an essential life skill. It not only helps you live within your means but also provides a clear direction towards your financial goals.
Mastering this skill early on can lead to effective financial decision-making, lesser financial stress, and a more secure way of life.
There will be fluctuations in your budgeting, so you can start to forecast your budget. It also reinforces the value of discipline and planning, offering improved self-management and positive monetary habits.
Ultimately, progressing from just surviving to thriving financially is the goal, and disciplined budgeting is a tool to get you there.
This is just one step towards becoming financially independent.
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Looking for the best coupon sites? Coupon sites can help you save money, get free gift cards, and even allow you to get free stuff. Everyone likes getting a good deal. Using coupons is a great way to save money on things you buy every day. Now, with online shopping becoming more popular, there are…
Looking for the best coupon sites?
Coupon sites can help you save money, get free gift cards, and even allow you to get free stuff.
Everyone likes getting a good deal. Using coupons is a great way to save money on things you buy every day. Now, with online shopping becoming more popular, there are websites that give you a lot of good deals. These sites not only have discounts and codes to save money but also share useful tips to help you save even more.
Key Takeaways
Coupon sites are an easy way to save while shopping online.
The best coupon sites have a variety of money-saving options including cash back, promo codes, and even price checking.
My favorite for cash back is Rakuten.
My favorite promo code browser extension is Capital One Shopping.
My favorite for saving money on gas is Upside.
Recommended reading: Is Couponing Worth It?
15 Best Coupon Sites To Save Money Every Day
Below are the top coupon sites that I recommend trying out.
1. Rakuten
Rakuten (formerly known as Ebates) is a popular cash back site that gives you cash back on a wide range of items that you can buy online, and you can earn free money for spending how you normally would online.
I have been using Rakuten for years and it is so easy to use, plus it’s free! In fact, I just received my most recent Rakuten payment yesterday for $60.
You simply choose a store where you want to buy things, like Walmart, Target, Sephora, Chewy, or Old Navy on the Rakuten website. (You will start at Rakuten’s homepage, their app, or via their browser extension). Then, you click on the store through Rakuten’s platform, and you shop online there just like you usually do.
The cash back is activated automatically, and it will be added to your account without any extra work needed from you.
Rakuten earns a commission for directing you to the store where you shopped, and they share some of that money with you as a reward. This helps you save money and adds a little extra to your pocket.
Please click here to sign up for Rakuten for free.
2. Capital One Shopping
Capital One Shopping automatically applies coupon codes for many different online stores. Using Capital One Shopping is free, and it’s a browser extension that works with all the main web browsers.
I personally have this browser extension installed on my laptop, and it’s been a no-brainer.
Capital One Shopping is a great promo code site because it automatically adds coupon codes while you shop online. This saves you time and money since you don’t have to search for coupon codes yourself.
This is one of the best automatic savings sites because you don’t need to do anything extra. The Capital One Shopping browser extension does all of the work for you. It checks different coupon codes when you’re checking out and automatically uses the best coupon codes for your purchase.
It’s free to use Capital One Shopping, and it is a browser extension that works with all major browsers.
You shop as you normally do, and the Capital One Shopping app works quietly in the background. I have it on my laptop, and it’s amazing. It helps me find the best deals without any extra effort on my part.
You can sign up for Capital One Shopping here.
3. Swagbucks
Swagbucks is a rewards site where you can get cash back when shopping online and find coupons and promo codes to use.
Some sites listed on Swagbucks where you can get cash back or use promo codes include Kohl’s, Macy’s, Walmart, Amazon, and more.
I personally have been a member of Swagbucks for around 10 years now, and I have earned over 110 free gift cards by using their rewards platform. So, I definitely believe in this site!
Plus, there are also many other ways you can earn points on Swagbucks such as watching videos on their website, scanning your receipts, answering polls, and even searching the web using their search engine.
Here’s how Swagbucks works:
You join Swagbucks through my referral link, and receive a $10 bonus.
Earn points by using their coupon codes or cash back links.
Then, you can redeem your points for PayPal cash or gift cards (such as to Amazon or Walmart).
And, that’s it! It’s very easy.
4. Upside
Upside gives cash back on gas that you buy for your car at gas stations, giving you even more ways to save on your everyday expenses.
Upside helps you find gas stations where you can get cash back on your purchases. Just sign up for a free account, and then use the Upside app to find nearby gas stations.
You can get up to $0.25 cash back per gallon at gas stations, which can add up quickly for doing something that you already have to do (filling up your gas tank).
Plus, there are more than 50,000 locations nationwide, such as Shell, Phillips 66, BP, Casey’s, and more.
You can check out Upside here to learn more.
5. Fetch Rewards
Fetch Rewards isn’t exactly a coupon site, but you do get to earn points for your normal everyday shopping. I use it each time I go grocery shopping!
With Fetch Rewards, you get points by taking pictures of your receipts and submitting them through the Fetch Rewards app. This works for receipts from any store, whether it’s a grocery store, clothing store, restaurant, gas station, and more.
Afterward, you can exchange the points you’ve earned for gift cards.
Here’s how Fetch Rewards works:
Shop like you normally would.
Scan your receipt with your cell phone after you’re done shopping.
Earn points on Fetch Rewards automatically.
You can sign up for Fetch Rewards here.
6. RetailMeNot
RetailMeNot is a site that has coupons, promo codes, and cash back offers.
They have a deal finder extension which automatically applies coupon codes as well as gives you cash back up to 10% when you shop online.
Popular stores available through RetailMeNot include Amazon, Target, Ulta, Lowe’s, Zales, American Eagle, and more. There are over 30,000 stores available on this site, so I’m sure you’ll find some easy savings by using this platform.
7. Honey
Honey (also known as PayPal Honey) is a browser extension that finds coupon codes for you when you shop online.
You simply just install the Honey browser extension, and then it automatically finds and applies available coupon codes and promo codes to your shopping cart so that you can save money. It works with over 30,000 stores, such as restaurants, clothing stores, travel booking, and more.
You can then redeem your points for cash, gift cards, or PayPal shopping credits.
You can learn more about Honey by clicking here.
8. Groupon
Groupon has deals on experiences, products, and services in your local area, and you can find discounts on dining, entertainment, travel, and more, all designed to help you save while supporting local businesses.
You’ve probably heard of Groupon before, but perhaps you haven’t used it in a while. Yes, it is still around and my sister actually uses Groupon all the time! I haven’t used it in forever, but I plan on changing that – I simply just forgot about how great this platform is.
You can use Groupon to get deals where you live, such as for restaurants or spas near you. Or, you can also use them when you’re on vacation to get deals on activities (such as tours), admissions to museums, discounted restaurant meals, and more.
For example, here are some deals on Groupon that I found:
A massage for $46.75 (full price is $75)
A meal at a restaurant for $21.38 (full price is normally $35)
Admission to an aquarium for $14.96 (normal price is $24.99)
Here’s how Groupon works: You simply browse on the Groupon site for a deal you’re interested in. You then buy it directly on Groupon. Then, to use it, you simply go to the business and present your Groupon to get your deal (make sure to follow any terms too).
Please click here to find Groupon deals near you.
9. Ibotta
Ibotta is an app that gives you cash back on your grocery purchases (as well as many other stores). You can check out offers, upload your receipt, and receive cash back credited to your account.
You can get cash back at places such as Home Depot, Best Buy, Walmart, Sam’s Club, and your local grocery stores.
You can earn cash back both online and in-store with Ibotta, making it unique compared to other companies. Additionally, you can link your preferred loyalty cards to your Ibotta account, and Ibotta will automatically use loyalty discounts for you.
Please click here to sign up for Ibotta.
10. Coupons.com
Coupons.com has both printable and digital coupons for groceries, household items, baby items, pet care, and personal care products. So, whether you are looking to use coupons for your online shopping or if you want to use them in person at the store, this is a great site to start using.
Plus, it is free!
Coupons.com is used by over 2,000,000 people each year, and they share over 2,000 working coupons each month.
For their free printable coupons, you simply can browse on their site for the coupons that you want to use, print them out, and bring them to the store with you.
11. SlickDeals
SlickDeals is a deal-sharing community where users post and vote on the best deals they find online, with categories ranging from tech to clothing. This is also what sets SlickDeals apart from other coupon sites – the deals are found and shared by people like you and me.
They share coupons, promo codes, and discounts available for you to use.
Over 12,000,000 shoppers use SlickDeals each month, and they have saved over $10 BILLION since the site was started.
12. Amazon Coupons
Amazon Coupons are discounts and deals on products sold on Amazon’s website.
They are super simple to use too!
When you’re shopping for something on Amazon, sometimes it will show you a coupon next to the price. You simply “clip” the coupon before adding the item to your cart, and the discount will be applied at checkout.
I see these all the time and recently used one to save $2.25 on a train set for my daughter. All I had to do was click on the green coupon button next to the price when on the sales page for the train set on Amazon. It couldn’t be any easier!
Another way to use coupons on Amazon is to go to the Amazon Coupons homepage, and see what coupons are available to you.
Some coupons that I see on Amazon Coupons right now include $15 off a pair of walking shoes, 50% off a toaster, and more. There are a ton of coupons available in many different categories such as health, grocery, beauty, electronics, home, toys, and more.
13. Hip2Save
Hip2Save is a blog-style coupon site that shares the latest deals, coupons, and money-saving tips.
This site shares coupons and deals information on many different stores such as Amazon, Aldi, Walmart, Target, Walgreens, and more.
In my opinion, this is one of the best coupon websites, because they help you in so many areas related to saving money and finding the best deals on stuff.
What I love about Hip2Save is that this site shares where you can find the best deals (such as for specific toys or gaming systems) as well as the best deals at a specific store (such as Aldi Weekly Finds Under $10). It’s nice to see what items are currently at a low price and where to buy them.
So, instead of just sharing coupon codes, this platform shares so much more so that you can save the most money and not miss out.
14. The Krazy Coupon Lady
The Krazy Coupon Lady has deal alerts, coupon matchups, discount codes, and money-saving tips for popular stores. They share up-to-date information on the best deals and teach you how to become a smarter shopper.
Some of the stores that you can find deals for include Amazon, Target, CVS Pharmacy, Walgreens, Barnes & Noble, Kroger, and more.
This is a great all-around website that will help you to save more money.
15. Brad’s Deals
Brad’s Deals is a site that shares deals, coupons, and even has shopping guides. Over 5,500,000 people use Brad’s Deals each month, and over $200,000,000 is typically saved each year by their readers.
When Brad’s Deals comes across a good deal, they share it as a blog post so that people don’t miss out. For example, they may share a quick blog post on how you can get luggage for cheap or a good deal on leather gloves that they recently came across.
These deals are all handpicked personally by their team, so you know that these deals are real and not a waste of time.
What Makes A Good Coupon Site?
So, after reading about all of the different top coupon sites above, what actually makes a good coupon site?
As you read above, there are many different coupon sites, so where should you start?
Different things work for different people, so here are some things to look for when choosing a coupon site:
Wide range of coupons – It’s easiest when a coupon site has coupons for many different stores so that you can use just one coupon platform.
Up-to-date coupons that aren’t expired – A good coupon site should regularly update its coupon database to make sure that you always have access to the latest deals and discounts.
Easy to use – The easier to use, the better. I really like browser extensions because they are set-it-and-forget-it; they will automatically apply coupon codes for you. Other things to think about related to this include if the site is available on your cell phone, such as for Android devices or iOS.
Reliability – One thing I dislike about some coupon sites is that they give you coupon codes that don’t work. So, it’s a waste of time. Some coupon sites are much better than others and give you real coupon codes (such as the sites above).
You may also want to think about if you are looking for a site that has mainly online retailers or if you are looking to find deals on in-store purchases as well.
The Different Kinds Of Coupons
Another area to think about is the different kinds of coupons and discounts that you may come across.
Manufacturer’s coupons
Manufacturer’s coupons come from the product manufacturer, giving you a discount on their item at any store selling it. These coupons usually last longer and can be found in newspapers, magazines, or online. You can also combine them with store coupons for more savings. Examples include coupons from companies like Procter & Gamble, General Mills, Tide, and Colgate.
Store coupon
Store coupons are meant for a specific store, like Target or Walmart, and can only be used there. You can find store coupons in weekly flyers or on the store’s website, and they are usually designed to get customers to shop at their particular store. For example, you may see a store coupon where a grocery store is giving $5 off any purchase over $100.
Cash back
Cash back offers give you back a part of your purchase as savings. So, you may get 5% back on a purchase at an online clothing store for simply shopping on a cash back rewards site. Unlike coupons, you need to join a cash back website or app, such as Rakuten, Swagbucks, or Ibotta. What’s great about cash back sites is that you can also combine them with other coupons or discounts so that you can save even more money. For example, you can use coupon codes and a cash back website on the same exact purchase.
Coupon code
Coupon codes are combinations of letters and numbers used online to get discounts during checkout (for example, a coupon code could be BLACKFRIDAY123). They are usually tied to a particular product or retailer and can sometimes be used alongside other promotions. You can discover coupon codes on coupon websites, retailer sites, or in promotional emails. Coupon codes are a quick and convenient way to save money on your online purchases, making them a valuable tool for smart shoppers.
Frequently Asked Questions About The Best Coupon Sites
Below are common questions about coupons and how to find the best coupon sites.
What is the best website to get coupons?
My favorite sites to get coupons and discounts include Rakuten, Capital One Shopping, and Upside.
Where do extreme couponers get their coupons?
Extreme couponers get their coupons from many different places, such as newspaper inserts, store sale flyers, online coupon websites like SmartSource, and even by searching on a company’s social media or their website. By using these different sources, extreme couponers can find the most coupons available to them and even build up stockpiles of items at a much lower cost than the retail price.
Recommended reading: 8 Ways To Be An Extreme Cheapskate
Where can I find the best printable coupons?
Websites such as Coupons.com, SmartSource, and RetailMeNot have a lot of different printable coupons for use in stores. To find the best printable coupons, you will want to visit these printable coupon websites and search for the products or brands that you want to buy. Of course, always make sure to check the expiration dates and any specific terms and conditions before printing.
What browser extensions can I use to find coupons?
My favorite coupon code browser extension is Capital One Shopping. This type of tool automatically searches for and applies the best coupon codes to your purchase during the checkout process (and then chooses the highest dollar discount), which makes it easy to save money without spending time manually searching for deals and coupon codes (which can be quite annoying and time consuming). Coupon code browser extensions are available to download on different browsers such as Chrome, Safari, Firefox, and more.
Best Free Coupon Websites – Summary
I hope you enjoyed this article on how to find the best coupon sites.
Just like online stores have changed how we shop, coupon websites have also made saving money different. We don’t need to cut out paper coupons anymore (but, you definitely can if you want to as there are printable coupon sites listed above as well!).
Now, we can find lots of online coupons and digital discounts with just a few clicks.
The best coupon sites give us different ways to save money, like getting cash back or using promo codes. They have options for almost every kind of shopper.
Do you use any of these top free coupon sites? Why or why not?