A lot of things happen as you near the end of your lease. First, you decide whether you want to stay in your apartment. Then, you have to think about how long you want to stay. This will impact whether you ask to take your lease month-to-month or renew for another year. Lastly, you have to sign a new rental agreement, but don’t feel surprised if it’s not for the same price.
It’s typical for a rent increase to occur at the end of your lease. Rent usually increases by around 5% per year. That means if you’re paying around $1,500 each month for your apartment in Denver or Miami rental, you may see an increase of around $75. If that seems like too much, you have options. Wondering how to avoid a rent increase? We’ve got five ways to help you save.
How to avoid a rent increase
Figuring out a way to avoid a rent increase can help lower your housing expenses in the long run. It can give you an incentive to stay in your current apartment, and allow you to avoid having to deal with a move.
Here are five strategies that may help put an end to a rent increase.
1. Pay your rent on time or early
The better a tenant you are, the more likely your property manager will hold off on increasing your rent. They don’t want to lose you if you’re a good renter. One way to do this is to pay your rent on time every month. If you’re able to pay it a little early, even better.
This not only makes you more reliable to your property manager, but it helps you, too. Paying rent on time improves your credit score. It may also give you a little power if presented with a rent increase. Because you’re a good tenant, you might be able to ask your property manager to reduce the increase. You’ll still pay more each month, but not nearly as much.
2. Ask to sign a two-year lease
standard lease should have language in it about when a property manager can increase rent, and this language usually states rent can’t go up until the lease is up for renewal. If you sign a longer lease, you’ll have more security when it comes to cost. You’ll have it in writing that your rent can’t go up until the end of two years, rather than one.
Offering to sign a longer lease is also attractive to property managers. Finding new renters and refreshing an apartment when it’s vacant is costly and time-consuming. A property manager would much rather put it off if you’re willing to stay for longer than a year. You may even have success negotiating a lower monthly rent with this long-term commitment.
3. Keep your apartment pet-free
One of the best ways to avoid a rent increase is to not have a pet. Renting with pets often translates into extra fees or deposits to help cover the costs of potential pet damage. This not only makes your rent higher right from the start, but it makes property managers nervous. If they see your pet has done damage within the first year of you living there, they may want to raise your rent, when you renew, in anticipation of even more issues.
A pet-friendly apartment usually charges between $15 and $50 per month for owning a pet. Cost varies greatly depending on location, the number of animals and the type of pet. Imagine paying this on top of a rent increase. Your budget already takes a hit having this extra fee, but can you afford it if your rent gets raised?
The best strategy may be to wait until you own a home or can easily afford pet fees, no matter if rent goes up a little bit each year.
4. Extend your lease in your current apartment
Asking for a lease extension is another way to save money and potentially avoid a rent increase.
Moving expenses can add up fast, and the cost of the entire process is often underestimated. Not only that, but moving requires payment upfront. Unlike a rent increase, you’re not paying a little bit over time. When you total up the extra money you’ll pay because of a rent increase, you might spend less staying put than forking over the cash to move.
Not only that, but signing a new lease, in a new place, means paying first and last month’s rent, a security deposit and other upfront fees. You may not have the money to cover all that. Instead, restructure your budget to afford a slight rent increase, if it’s reasonable.
5. Don’t ask for apartment upgrades
Is the oven in your apartment older than you? You may really want to ask your property manager for an upgrade, but who do you think pays for that? A property manager may raise the rent to cover the cost of new appliances. Even if you’re not asking for an upgrade, when your property manager offers one, don’t automatically think it’s a freebie. Ask if it comes with an increase in your rent. If it does, hold out if what you’ve got works fine.
Additionally, if there’s a simple maintenance issue, like a clogged toilet or even a broken window, consider fixing it yourself if your lease allows, just don’t forget to report it. Every small issue costs someone money, and you don’t want that coming back to you through increased rent. At the same time, you want your property manager to know you’re making a small repair. That way, if it leads to a more expensive issue, you’re not responsible for that, too.
Why do landlords increase rent every year?
The fact that there’s a standard rent increase means it’s pretty common for rent to go up each year. Often ,rents increase because other costs of maintaining the property go up. Charging more for rent is part of a ripple effect in the need to cover higher expenses. A small rent increase means your property manager is covering for the additional costs on their end. A big rent increase may meanthey’re trying to take advantage.
Rent increases may also happen because the property manager is trying to cover the cost of improvements in the apartment. Maybe they had to put in a new appliance over the last year or make a major repair. Maybe they’re anticipating higher costs when you move out to replace carpet or paint. These issues can also impact rent prices.
Sometimes you’re battling a rent increase you have no control over, but other times you may have a bargaining chip. It doesn’t hurt to ask why rent is going up, and then have a discussion about how to prevent it.
What should you do if your rent increases?
If your rent does increase, the first thing you should do is check your local laws to make sure the increase is allowed. The landlord must give you at least 30 days notice before hiking rent prices. Don’t be afraid to talk about it with your landlord. As we mentioned earlier, they may be willing to compromise.
Rent increases aren’t inevitable
For seasoned renters, it’s understood that a rent increase is a normal part of the housing market. It’s often worthwhile to go with the flow if you love your apartment, and the increase, each year, is small.
However, if you feel like what your property manager is asking is too much, don’t hesitate to talk it through with them. Maybe you can avoid a rent increase, or get it to a more reasonable place. Most property managers don’t want to lose good tenants, so use that to your advantage to figure out how to avoid a rent increase.
A full-time job isn’t always enough to achieve your financial goals. That’s why nearly 40% of U.S. adults have a side gig, according to a 2023 Bankrate survey. Making extra moneycan help you pay off debt, save to buy a house, or catch up on retirement savings.
Fortunately, there’s a wide range of side hustles and passive income streams that can help you tackle financial to-dos or even take your wealth to the next level, says financial blogger Kelan Kline. A side hustle is typically an additional job a person can take to earn extra money to supplement their primary income. On the other hand, passive income can be income that requires little or no effort to maintain.
Kline should know. When he and his wife Brittany were saddled with student loan debt, they launched The Savvy Couple—a blog focused on side hustles and money management tips—to help them earn extra income.
“It became a full-time business that allowed us to quit our 9-to-5 jobs in law enforcement and helped teach us to fast-track our financial freedom,” Kline says.
While most secondary gigs won’t turn into new careers, they can add a spark to your savings. So, what are some side hustle and passive income ideas that can help you make extra money? Read on to see which types of side hustles and passive income ideas can inspire you to accelerate your financial targets—and learn how your new income streams can work together to generate even more cash.
What is a side hustle?
A side hustle is any income-generating work outside of your primary job—anything from food delivery to selling items online. People use the extra income to improve their financial health, from building up savings to preparing for a big purchase.
What are some side hustle ideas?
“To find a side hustle, you should think about your existing skills and interests to narrow down what kind of opportunity you’re looking for,” says Randa Kriss, small business specialist at NerdWallet.
We’ve collected some side hustle ideas you can try without too much previous experience to help you make extra dough—or even find a new job:
(All earnings information courtesy of ZipRecruiter🙂
Ride-sharing
Ride-hailing or ride-sharing apps make it easier for people to get around on demand, while creating a market for drivers and their cars. For many ride-share drivers, this is their primary source of income, but it can also be a convenient side hustle option.
“Driving for a ride-sharing service is a great way to make some extra money,” Kline says. “It allows you to be your own boss and set your own hours, which can be especially beneficial for people who have a flexible schedule or want to supplement their income.”
Approximate earnings: $13 an hour
Delivery driving
Don’t want to drive strangers around? Deliver food instead. Many delivery service apps need drivers to drop off grocery hauls and restaurant takeout.
“Delivery driving is a great way to earn some extra money on the side, while also having some time to decompress,” says Jacqueline DeMarco, a freelance writer specializing in personal finance content. “Driving can be stressful, but it’s a lot less stressful without passengers in the car. You can even listen to podcasts or audiobooks to make it feel like less of a chore.”
Approximate earnings: $18 an hour
Grocery shopping
Grocery delivery services also need people who can shop for items before they’re delivered. Once you sign up and choose a nearby supermarket, customer orders will pop up on your phone. Efficient shoppers who can quickly navigate local stores are making extra money by filling up shopping carts—and you could, too.
“Enjoy the free air conditioning while you fulfill grocery orders,” DeMarco says.
You can even take care of your own grocery needs once your customer orders are fulfilled. You may be less tempted to order expensive takeout if you’re already in a supermarket.
Approximate earnings: $16 an hour
Tour guide
If you love your area and have an engaging personality, become a local tour guide.
Being a tour guide can be a great way to meet new people and show them a city or neighborhood you’re passionate about—all while making extra money. You might need to pass a test to work for certain organizations, and many tours use a pay-what-you-like model so the income can be inconsistent. But it’s a side hustle with growth potential, DeMarco says.
“You can learn the ropes working for a tour guide company or app, then eventually take that knowledge and start your own tour guide business,” she says. “That way, you don’t have to share the profits.”
Approximate earnings: $19 an hour
Virtual assistant
Virtual assistants aren’t algorithms or chatbots—they’re real people. Virtual assistants can work from almost anywhere in the world as they perform digital tasks like scheduling, fielding emails, and even managing social media for companies or individuals.
“It’s an excellent option for people who have administrative and organizational skills, as well as the ability to work independently,” Kline says.
Approximate earnings: $24 an hour
Babysitting
If you’re trustworthy, responsible, and enjoy working with kids, babysitting is a great opportunity. And once you start establishing solid relationships with parents, it can evolve into a regular gig that provides a stable income. You can list your services on online platforms catering to babysitters.
When DeMarco was a babysitter, she also worked on freelance writing assignments while the kids slept, which helped her to maximize her side income opportunities. “If you love kids, it’s a fun way to earn extra cash,” she says.
Approximate earnings: $18 an hour
“To find a side hustle, you should think about your existing skills and interests to narrow down what kind of opportunity you’re looking for.”
Pet sitting
Are fur babies more your thing? Countless pet sitting opportunities exist—especially now that more people have returned to on-site work since the pandemic pet adoption boom. Multiple apps and sites allow you to list your pet sitting services. Just make sure you emphasize any experience you have as a pet sitter or a pet owner.
Approximate earnings: $16 an hour
House sitting
Many homeowners prefer to have someone stay over or regularly check in on their property (and also maybe look after their pets). House sitters not only get paid but often have full access to the home’s amenities, which might even include a pool or home theater.
“A lot of my babysitting clients would ask me to house sit or pet sit when they were out of town,” DeMarco says. “The best part about side hustles like this is you only have to say yes to a job when it works for your schedule.”
Approximate earnings: $17 an hour
Studies and focus groups
Research companies always need focus group participants. Whether they meet remotely or in person, these groups may give feedback on new products or provide insights that help organizations develop new services.
“Participating in focus groups and studies can be an interesting way to make extra money,” says Kline. “It is a great option for people who have flexible schedules, as it does require some time commitment and availability.”
Approximate earnings: $27 an hour
Translation work
Are you fluent in multiple languages? If so, you can put that skill to work. Translation duties can include working with marketing copy or medical and legal documents, so additional expertise may be necessary. And certain languages may offer more opportunities—and more money—than others, so research apps and online job boards to gauge the demand for your specific language skills.
Approximate earnings: $28 an hour
Graphic design
You can start a side hustle creating logos, visual assets for social media, or custom stickers for events or companies if you have the skills—or the willingness to learn. Creating designs for a friend or family member at a discount rate and posting them to your online portfolio is one way to gain experience and attract more—and higher-paying—clients.
“Graphic design can be a great side hustle for people who have an eye for design,” Kline says. “It is also a relatively easy and low-cost way to get started.”
Approximate earnings: $27 an hour
DIY for hire
Can you install a light fixture, assemble furniture, shovel snow, or paint a room? You can get paid for those tasks by signing up as a service provider on any freelance labor marketplace or app.
Approximate earnings: Varies depending on the job
Data entry
Data entry can be repetitive work, but the advantages extend beyond the ability to do it from home. Tasks can range from transcribing audio for a documentary filmmaker to inputting a company’s financial records on a spreadsheet. And the work is easy to find, as many job sites list part-time data entry roles.
“Data entry jobs typically require minimal training and can be done on a flexible schedule,” Kline says.
Approximate earnings: $19 an hour
Tutoring
Tutoring can be a flexible side hustle, too. You can work with students remotely or in person—from elementary school kids who need help after school to high school and college students who need weekend guidance to help them cram for exams.
“Tutoring can be a great way to make some extra money if you have the knowledge and skills,” Kline says. “It is also an excellent way to give back and help others.”
Approximate earnings: $20 an hour
Background acting
The people in the background of your favorite movies and TV shows actually get paid. And you don’t need to live in Los Angeles or New York City to find those roles. Production companies and university film students often post online ads for background acting opportunities across major U.S. cities. The time commitment will likely vary, but the extra money—and on-location craft service spreads—can make it worth your time.
“You can learn more about the film industry and meet interesting people,” DeMarco says.
Approximate earnings: $27 an hour
How can a side hustle complement a passive income strategy?
While side hustles and passive income ideas can both add income to your bottom line, they aren’t the same thing. So, what is passive income?
Unlike a job or side hustle, passive income does not require much, if any, additional effort. Examples include stock dividend payments, property rental income, and book or music royalties.1
Of course, no one will show up at your house and start handing you cash. Usually, a passive income stream will require some initial effort and an upfront cost to set up, but ideally, it requires minimal effort once the wheels are in motion. That initial effort or investment might mean that passive income streams won’t be as accessible as side hustles, at least not until a little later in life.
“Having both a side hustle and passive income can be incredibly powerful when it comes to building financial freedom,” Kline says. “For example, you could use the money from your side hustle to invest in stocks and bonds, which can generate dividend payments.” (Please consult your tax advisor with respect to information contained in this article and how it relates to you.)
Or you could use the money earned from a side hustle to eventually purchase a rental property, which can generate long-term passive income, Kline says.
“Ultimately, having both sources of income can help you achieve your financial goals faster,” he adds.
Most passive income streams could be considered a form of investment. But this includes much more than buying and selling stock in companies. Anything you purchase with the intent to make more money from could be considered an investment.
Consider these additional ideas for making extra money:
Dividend investing
“Dividend investing is a great way to earn passive income,” Kline says. “It involves purchasing stocks or bonds that pay out dividends, which could be a great source of income over time.”
You should do research or consult an investment professional to learn which companies offer the best mix of dividend payments versus risk. Most dividend-paying stocks pay out quarterly, though some may pay out more or less frequently. The amount paid will be a percentage of your holdings, likely in the low single digits.
Dividends can be a reliable source of income for retirement, and advocates of the Financial Independence, Retire Early (FIRE) strategy for early retirement often recommend investing in dividend-paying stocks.
“Having both a side hustle and passive income can be incredibly powerful when it comes to building financial freedom.”
Rental income
There are many different types of property you can buy in order to rent out, depending on what’s available in your area or what investments you’re willing to consider.
Consider these different types of rent-based passive income ideas:
Long-term home or apartment rental
Leasing out a home or apartment can be a reliable and significant source of passive income, but it’s also a very involved process. You’ll need to learn the rental regulations for your area and your obligations to your potential tenants. Unless you can afford to pay someone to manage the property, the upkeep may resemble a job of its own.
Short-term rentals
If you have a spare room or vacation property, you could list it on a short-term rental platform or app.
“It’s a relatively easy way to make money by renting out your unused space or investment property,” Kline says.
While this may not provide the same degree of reliable income as a long-term lease, it’s easier to get started. Plus, utilizing black-out dates means you still get to access your space when you want, while having the opportunity to make an income from it when you don’t.
Other rental spaces
A spare parking or storage space can also be a source of passive income, and several apps and services exist for listing them. Best of all, renting out a space you never use, like a garage spot, requires little effort to earn reliable passive income.
Rent out your car
You can even list your car on some auto rental apps to earn money. If you don’t mind the additional wear and tear on your car—or the idea of other folks driving it—this could be a good way to make your car work for you. Just be sure to check with your car insurance provider to see if you need to carry additional coverage before booking your first renter.
What can you do with your additional funds?
Wondering what to do with the extra cash you earn from implementing side hustle ideas and passive income ideas is a great problem to have. But what are your options? Sometimes, you’ll want to reinvest in a side hustle (like upgrading the ties in a car you use for ride-share driving) or in a passive income strategy (such as painting the walls of your rental property).
Often, you’ll need a safe place to store your money that will still give you a generous return so that it keeps growing until you know what to do with it. Here are some low-risk options that can deliver growth on your additional cash:
Savings accounts
Savings accounts can provide a safe place to put your extra cash as long as you’re depositing your funds at an FDIC-insured institution. The interest your deposits earn can also be a source of portfolio income, which can include interest, dividends, and capital gains on investments.
CDs
Choose your term, lock in your rate, and watch your CD grow
Discover Bank, Member FDIC
A CD, or certificate of deposit, is similar to a standard savings account but with one key difference: CDs tend to have higher interest rates, which means they can also provide portfolio income. As a tradeoff, you’re expected to leave the money in the account for a specific amount of time, and there’s often a fee for early withdrawal. It helps to know how CDs work to get the most out of them.
Money market accounts
Money market accounts are similar to CDs in that they offer greater returns in exchange for restrictions. You won’t need to wait multiple years to withdraw your funds from a money market account, but there likely will be a limit on how often you can withdraw funds, and you might need to maintain a minimum required balance amount.
Retirement accounts
Certain jobs will offer retirement accounts, like 401(k) plans, as a benefit of employment. Whether you have a 401(k) plan or not, you can open up an individual retirement account, known as an IRA—either a traditional IRA or a Roth IRA. The primary difference has to do with when you pay taxes on the money in the account. For a traditional IRA, you pay taxes when you withdraw funds from the account. For a Roth IRA, you pay taxes on the money as it’s put into the account. For either, you may have to pay a fee if you withdraw your money before retirement. Always check with your plan provider for specific rules and fees related to early withdrawals.
There are even more choices to make. For example, you might consider an IRA CD in addition to an IRA Savings Account. IRA CDs function just like other CDs but are intended to build up funds for after you’ve finished working. It could be worth speaking with a retirement planning professional to establish a personal saving strategy.
How can you benefit from side hustles and passive income?
Both side hustles and passive income can add financial comfort and confidence.
Has this tour through passive income and side hustle ideas inspired you to pursue additional income streams to boost your finances? Whether you start a side business or just pick up some gigs via an app, extra income sources paired with passive income streams can be a game-changer for your financial health.
Looking to maximize your financial health? Try using a financial checklist to see how you’re tracking against your financial goals.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.
1 The information provided herein is for informational purposes only and is not intended to be construed as professional advice. Nothing contained in this article shall give rise to, or be construed to give rise to, any obligation or liability whatsoever on the part of Discover Bank or its affiliates. For specific advice about your unique circumstances, you may wish to consult a qualified professional, at your expense.
Discover Bank does not sell non-deposit investment products (“NDIP”) or provide recommendations regarding NDIP. NDIP are NOT FDIC insured.
Maybe you’ve just moved into your new apartment and want to make it smell clean and fresh or you’ve been dealing with persistent pet odors due to a furry friend’s accidents. Whatever the reason, bad odors can really put a damper on your mood – and sometimes your health, too. Whether you’re renting an apartment in Scottsdale, AZ, settling into a home rental in Kansas City, or finally buying your dream home in Albuquerque, NM, nobody wants to live in a place that smells bad.
To get you started on your purifying journey, ApartmentGuide reached out to a wealth of experts to offer tips on how to banish bad odors for good. Read on to learn more and make your place smell fresh again.
1. Start with a deep clean
If you are looking for how to get rid of bad odors in your apartment, experts recommend starting with a thorough deep cleaning, but first get some fresh air in the place. “The first step to removing harsh odors is to open up the windows and doors and get as much fresh air in that area as possible,” says Rachel Seavey, professional organizer and coach with Collector Care.
Next, you’ll want to get into deep clean mode. “You must do a thorough deep clean before disinfecting or sanitizing with a disinfectant and odor eliminator – an air freshener probably won’t give you a lasting result,” recommends Hank Williamson, President of The Maids of the Triad, a cleaning company that services North Carolina. “Your carpets have likely retained odor so you will need to vacuum and clean them. If your walls have absorbed cigarette smoke or other odors you should wipe them down with a vinegar and water mixture – using a microfiber mop greatly assists. If your refrigerator has odor, dispose of dated food and thoroughly clean it; you may use baking soda or coffee grinds to absorb any remaining odor. Next, open the windows, turn on fans, and change air filters.”
Jonathan Herrera of Master Clean Bay Area, agrees that starting with a deep clean is the best way to get rid of odors before a more focused solution. “A deep clean focusing on floors, bathrooms, living areas, and the kitchen can significantly reduce harsh odors in an apartment,” says Jonathan. “By thoroughly cleaning these areas, we eliminate trapped dirt and lingering smells. Our go-to products are Simple Green and dish soap. Simple Green not only cleans but also helps disinfect, making it an effective solution for neutralizing odors while ensuring a hygienic environment. Regular deep cleaning of these high-traffic areas can help maintain a fresh-smelling space, especially when dealing with persistent smells from cooking, pets, or moisture.”
2. Clean your garbage cans
Aside from taking the trash and recycling out frequently to ensure that smells don’t linger, you need to be sure you’re properly cleaning your bins to get rid of bad odor that may be building. “I recommend garbage receptacles to be cleaned at least once every two weeks,” says Omar Arroyo of Blue Sea House Cleaning, a house cleaning company serving California and Monterey Peninsula. “Start by making a mix of about a half gallon of water, two teaspoons of liquid dish soap, and three teaspoons of baking soda. Pour the mix into the garbage receptacle and let it soak for about five minutes. After five minutes, scrub, rinse, and dry it with a towel or paper towel. Your garbage receptacle will be odor-free for about two weeks.”
3. Be smart about the scents you use
Instead of just masking the smell with candles and air fresheners, try using scents that do a great job of neutralizing odors. “Certain fragrance notes like citrus, lavender, and eucalyptus are excellent for freshening up spaces and neutralizing harsh odors,” adds the team at Be Layered, a fragrance company. “These notes work by not just masking smells but by refreshing the air with clean, natural scents. For a cozy and long-lasting effect, warm notes like vanilla, musk, and sandalwood can create a comforting atmosphere while also combating unpleasant smells.”
The team at Cleany, an NYC-based cleaning company, agrees, “Odor-absorbing candles with scents like lavender or eucalyptus can mask and refresh harsh smells, especially in small spaces like bathrooms or kitchens.”
4. Simmer a solution on the stove
Another classic trick to get rid of bad odor is to simmer a natural mixture on the stove. “We all love a home that smells wonderful. In fact, our sense of smell is the sense most closely tied to memory,” shares Alejandra Fortin, founder and CEO of This is Home, a cleaning, organizing, and interior design company based in Houston. “A great way to make your home smell amazing and give you that cozy feeling inside, especially during the holidays, is by warming water on the stove and adding cinnamon sticks, cloves, cardamom, an orange and a lemon into the hot pot. Leave it there simmering and it will quickly have your entire home smelling like the holidays and will put you and your family in the best mood!”
If you’re looking for another concoction to try, consider Edgar Villafranco’s remedy from We Leave Clean, a cleaning company with locations based all over the country. “For stubborn odors, especially from cooking or pets, try simmering a pot of water with slices of lemon, a few sprigs of rosemary, and a teaspoon of vanilla extract for 30 minutes,” says Edgar. “The steam from this natural mixture not only freshens the air but also neutralizes lingering smells, leaving your home smelling clean and inviting.”
5. Use a steam mop
Steam mops are a great chemical-free and eco-friendly way to get stains and smells out of your floors. “At NeatO, we find that one of the best defenses against harsh odors in our clients’ homes is by using a quality steam mop like the Shark Genius, along with a light spritz of diluted Pine-Sol on the mop pad,” says NeatO Cleaning, a Los Angeles-based cleaning company. “The heat and moisture from the steam helps lift dirt and stains, while simultaneously killing odor-causing bacteria. The spritz of Pine-Sol doubles down on eliminating bacteria while leaving a clean scent that lasts.”
6. Reduce laundry odor
If you’ve got smells baked into your clothes, try using some vinegar in your next load. “For laundry odors, use a quarter cup of white vinegar in the wash. White vinegar neutralizes laundry odors and surprisingly makes clothes smell fresh and clean,” says Beth McGee, author of Get Your House Clean Now: The Home Cleaning Method Anyone Can Master.
7. Get creative with dryer sheets and fabric softener
A lot can be done with simple household items to clean up your space. Take some tips from Greg Strine of Dream Cleaning, a top-rated home cleaning service in Chicago, and get your space spelling good with what you have on hand. “Start by taking dryer sheets and putting them in each vent. This will absorb odors in the ducts and create a clean scent from the duct work. Some furniture just needs to be thrown out, but try unzipping the cushions and putting a dryer sheet inside a couch cushion. Leave it there for three weeks and smell how this helps with your furniture,” says Greg.
“Lastly, take a small bowl with one cup of coarse salt, add two tablespoons of rubbing alcohol and mix. Then add four to six ounces of fabric softener and put it under the couch. This will help eliminate odor, keep insects away, and add a clean fragrance to your property.”
8. Tackle your garbage disposal
If a bad odor is wafting from your garbage disposal, it might be time to focus your cleaning efforts on this area. “To quickly combat a bad smell in your garbage disposal, pour a cup of baking soda down the drain, followed by a cup of white vinegar, which will create a fizzing reaction that helps break down odor-causing particles; then run cold water to rinse thoroughly,” recommends NYC house cleaner Sunnyside Clean.
9. Use a combination of white vinegar mixed with baking soda
A quick and natural cleaner can be made by combining white vinegar with baking soda. As an easy way to tackle pet-related harsh odors, listen to Sarina Ocal of MissionCat Cleaning, a cleaning company servicing both the New Jersey and New York area.
“To get rid of bad odors, especially pet-related ones, use a mixture of white vinegar and baking soda. Apply it directly to the stained area, let it sit for a few minutes, and then scrub gently,” recommends Sarina. “For persistent smells, you can also try an enzyme-based cleaner to break down odor-causing compounds.”
Luis Da Silva, CEO of My Cleaning Angel, a residential and commercial cleaning company based in Tampa, Florida, seconds this method of removing bad odor. “To remove harsh odors in your apartment, use a mixture of white vinegar and baking soda — vinegar neutralizes odors while baking soda absorbs them.”
10. Combine vinegar and water
For an easy cleaner, combine vinegar with water. This creates a quality cleaner that is non-toxic and friendly to most surfaces. “To neutralize lingering smells, we wipe down surfaces with a vinegar solution, which disinfects and freshens the space,” shares the team at Superb Maids NYC.
This solution can also be used on fabrics and carpets. “Use a mixture of equal parts water and white vinegar in a spray bottle to mist fabrics and carpets, allowing it to dry completely – vinegar neutralizes tough odors without leaving a lasting smell,” shares Lisa Shultz, owner of Anderson Carpet Cleaning Inc.
11. Use baking soda and vinegar on their own
Together, baking soda and vinegar are a force to be reckoned with, but they offer special benefits on their own. “Vinegar is a powerful odor neutralizer – fill a bowl with white vinegar and leave it in a smelly room overnight to absorb strong odors,” suggests the team at Cleany.
Baking soda is also powerful at absorbing odors on its own. “For general odor removal, we use baking soda on carpets and upholstery, allowing it to absorb odors before vacuuming,” says Superb Maids NYC.
If you combine all products – a water and vinegar solution with baking soda – you can do a lot of good. “For more stubborn smells, such as pet odor or lingering food aromas, sprinkle baking soda over the affected area and let it sit for 15-20 minutes to absorb the odor. Then, spray a 50/50 mix of water and white vinegar, let it fizz for a minute, and wipe clean. This method is natural, safe, and leaves surfaces odor-free!” advises Camden of ClothesLyne, a laundry service with locations along the East Coast.
Using organic products like baking soda and vinegar can be a great way to clean without using harsh chemicals. “We always use organic products that our professional cleaners prepare to leave the areas shiny, clean, and smelling clean,” says Heromaid, a house cleaning service in the Bay Area and Los Angeles. “For organic cleaning products, we recommended vinegar, baking soda, and sometimes hydrogen peroxide to remove harsh stains.”
12. Tips for cleaning with store-bought products
If you’re looking for something stronger that you can buy at the store, Cleaning Glow, an office, AirBnB, and house cleaning service, has got you covered with their recommendations to get rid of bad odor.
“1. To get rid of general odors throughout your room, use compact OZONE Spray. It can kill bacteria and viruses in seconds.
2. Use Arm & Hammer Extra Strength Carpet Odor Eliminator to get rid of odors stuck in carpets.
3. Mix 1 hydrogen peroxide with 2 parts water and a small dish soap; spray to remove pet odor stains.
4. Place activated charcoal bags in various rooms to absorb offensive smells without covering them.”
13. Clean up pet stains and leftover odor
We love our furry friends, but they can wreak havoc on the quality of our spaces. If you’ve got pets that struggle with accidents, give this section a read and try out some of these tips to get rid of bad odor and stains.
“For pet odors, sprinkle baking soda generously on the area and let it sit overnight to absorb smells before vacuuming it up; follow with a light mist of white vinegar for extra odor-neutralizing power,” suggests Lisa Shultz, owner of Anderson Carpet Cleaning Inc. “Treat urine stains by first blotting up as much liquid as possible, then apply an enzyme-based cleaner specifically designed to break down proteins that cause lingering smells.”
It may be tempting to just mask the urine smell if the job seems too mighty, but you need to be using a cleaner designed for pet stains. “For pet stains that are causing odors, use an enzymatic cleaner specifically designed for protein-based stains like animal waste. This way, the source of the odor is broken down and removed, not just masked,” says Beth McGee, author of Get Your House Clean Now: The Home Cleaning Method Anyone Can Master. “If the stain is on fabric like furniture or carpet. Test a hidden area first to be sure it won’t damage the fabric.”
Professional cleaners do have favorites when it comes to products of pet stains. “If you identify you have a pet odor problem due to naughty or incontinent pets, we always suggest using Naturals Miracle, which is all-natural and uses enzymes,” recommends Rachel Seavey, professional organizer and coach with Collector Care. “You spray a small amount on the area and let it go to work. It is all natural so it’s safe to use around your fur babies.”
Another favorite of professional cleaners is Arm and Hammer Pet Fresh Powder. “If you have a harsh odor coming from your carpets and don’t want to call your carpet cleaning company, start by buying Pet Fresh powder that you can find anywhere,” says Seattle Steamers, a carpet cleaning company in Seattle. “Next, spread it on the carpets. Agitate the carpets using a broom and let it set for an hour. Then vacuum the carpets and you’re done!”
Now, it does matter whether the stain is old or new – this will change the method by which you attack the stain. “Urine is one of the few things that will change on the pH scale from an acid (new urine stain) to an alkaline (old urine stain) over time,” shares Carpets by Chris, a carpet repair company based out of Mukilteo, Washington.
“For this reason, it is necessary to clean a new spot with a different product than you would with an old spot. Since a new spot is acidic, you want to use an alkaline like ammonia to break the chemical bond and remove the urine. Conversely, if the urine stain is old, then more than likely it has changed from an acid to an alkaline. This means we need to use an acid like white vinegar to break the alkaline, chemical bond. To do this, simply saturate the stain with the chemicals, apply a dry towel to the spot, and stand on it multiple times to soak up as much as possible. If there is a visible stain, use a 35% solution of hydrogen peroxide. Mist it on the stain and let sit. This is very effective in getting rid of the urine stain.”
14. Use an ozone generator
Sometimes odors stick around and don’t want to leave. If your place is like this, it might be worth it to look into a different type of solution. “In more persistent cases, we use activated charcoal to absorb odors or deploy an ozone generator,” says the team at Superb Maids NYC.
“Ozone generators are highly effective at eliminating tough odors, such as those from smoke, mold, or pets, by releasing ozone (O₃), which breaks down odor-causing molecules. This method reaches areas that standard cleaning cannot, making it ideal for deeply embedded smells. However, ozone generators must be used in unoccupied spaces, as ozone can be harmful to humans and pets during treatment. After use, we ventilate the area thoroughly before allowing re-entry, ensuring the space is fresh and odor-free.”
15. Get rid of smoke
Maybe you’ve just moved in and your apartment smells like cigarette smoke – not the best thing in the world to be around all the time. Well, an ozone generator is actually a great way of solving this issue. “To remove smoke odors, use an ozone machine to purify the air quickly, but follow the directions for use carefully,” says Beth McGee, author of Get Your House Clean Now: The Home Cleaning Method Anyone Can Master. “You can buy one for a reasonable price or many rental companies have them available.”
If purchasing or renting an ozone generator is out of the question, Beth has another tip for getting rid of smoke. “Wipe surfaces with vodka and distilled water to neutralize smells. The alcohol in vodka kills odor-causing bacteria. As it evaporates, it takes the smells with it,” says Beth. “Lightly spray vodka diluted with water onto fabric, carpet, or surfaces and let it air dry. It works great for smoke or musty odors and doesn’t leave a strong scent behind.”
The team at Cleany also has a tip for getting rid of smoke. “For persistent smells like smoke, placing bowls of activated charcoal around the room can help absorb unwanted scents,” they say. Lisa Shultz, owner of Anderson Carpet Cleaning Inc., seconds this idea and adds another tip. “For smoke or musty odors, place bowls of activated charcoal or coffee grounds in the room for 24 – 48 hours to absorb odors naturally,” says Lisa.
As winter approaches, it may make sense to prepare for the cold weather by sealing cracks and holes around doors and windows no matter where you live. Proactive steps like these may help cut down on your heating bills.
If you’re bracing for a big chill, or worse, a blizzard — predicted to become more intense in the coming years, despite shorter winters — you’ll be glad you protected or checked the pipes, roof, chimney, heating system, and water heater. Your wallet and physical well-being may benefit from the following ways to winterize a house and how to finance the projects.
Ways to Winterize a House
There are numerous ways to winterize a house beyond sealing cracks in doors and windows. And while the steps to winterize a home may differ in Alaska than in Texas, it still helps to get ahead of any issues that may arise.
You should also know that the timing of the first frost can vary from state to state. It may help to check the National Weather Service’s data that forecasts the first frost for each state to assist in your winterization preparation timeline.
The following tips to winterize a house may help you reduce future repair costs and heating bills. And figuring out ways to lower your heating bills is something to pay attention to due to the potential rise of the price of natural gas, which is often used to heat homes.
Protect Pipes or Pay the Piper
When deciding how to winterize a house, you may first consider how to address plumbing leaks and other issues.
Burst pipes can cause $5,000 or more in damage, according to Consumer Reports , citing information from the Insurance Institute for Business and Home Safety , which has a page of recommendations to help prevent frozen pipes.
Pipes in unheated places inside a home, including basements, attics, and garages, are among the most likely to sustain damage. But pipes running through exterior walls can also freeze in certain conditions, and so can those running through kitchen or bathroom cabinets.
Protecting the plumbing is clearly a situation where being proactive may save a homeowner money.
Pipe insulation can be as inexpensive as 50 cents per linear foot. Compare that to the $5,000 figure above, and the rewards of winterization can quickly become clear.
Adding insulation to attics, crawl spaces, and basements can help to keep those areas warmer, which can also help to keep pipes from freezing.
If sinks are located on exterior walls, it can help to keep the cabinet doors open during frigid temperatures (after removing any dangerous chemicals, including cleaners, if there are children or pets in the home).
Allowing cold water to drip can also help prevent pipes from freezing, making sense in frigid temperatures.
Address HVAC Maintenance and Repair
Nobody wants the heating system to perform poorly during the winter — much less have it break down.
It’s a good idea to schedule a professional maintenance appointment, including a filter change before freezing temperatures arrive. (Then it’s best to change the filter at least every 90 days.)
Additionally, maintenance and repairs to the heating, ventilation, and air conditioning (HVAC) system and cleaning out vents can improve airflow in your home.
It may be time to consider a new HVAC system for some people. The U.S. Department of Energy’s Energy Star program provides tips to homeowners to decide if replacing an HVAC system makes sense.
Signs that it might be time to replace the unit include:
• The heat pump is more than 10 years old.
• The furnace or boiler is more than 15 years old.
• The system needs frequent repairs, and energy bills are increasing.
• Rooms in the home can be too hot or too cold.
• The HVAC system is noisy.
If people in a home are away during reasonably regular times of the day, it can make sense to ask the HVAC professional about a programmable thermostat to save on energy costs.
The Environmental Protection Agency’s Home Energy Yardstick can help a homeowner determine if replacing an HVAC system makes sense.
Check the Roof, Gutters, and Chimney
Before winter hits, clearing the roof and gutters of leaves and other debris will help prevent snow and ice from building up and damaging the gutters — or, worse, the roof.
If ice or snow gets beneath roof shingles, it can lead to leaks and interior water damage. You may want to ask yourself if you need to replace your gutters. Do any shingles need to be glued down or replaced? Do any small leaks need to be repaired before they become big ones?
Plus, a chimney inspection can make sense before winter arrives. A chimney could have an animal nest lodged within, and there can also be structural problems. If the home has a wood-burning fireplace, creosote buildup can create a fire hazard. With a gas fireplace, a blocked chimney could lead to carbon monoxide backup, which can be life-threatening.
Addressing all these issues before winter comes can help you prevent future damage, reduce future repair costs and energy bills, and avoid a potential accident.
Examine the Water Heater
You want to check your water heater before temperatures plunge to avoid a chilly shower during winter.
Are areas of the water heater rusting or corroding? If so, this can lead to a leak. A professional can examine it, bleed the system to remove trapped air and mineral deposits, clean the pipes, and recommend and do repairs.
Think About Outdoor Equipment and Plants
Preventive winterization isn’t just about your home. You want to winterize your outdoor equipment, like a lawn mower or other power tools, to protect them as well.
Draining the oil from the appropriate equipment and taking it to a local recycling or hazardous-waste site can be your first step.
You also want to take care of general maintenance on equipment, including replacing old parts. That way, when spring rolls around and you need to mow your lawn or trim your bushes, you should be ready to go.
Additionally, inspect gas caps to ensure O-rings are intact; if not, get replacements from the manufacturer. Also, replace filters and lubricate what needs lubricating.
You may need to bring in the plants you initially placed outside to enjoy the summer sun when temperatures drop. Before doing so, check the plants for mealybugs, aphids, and other insects. Remove them, so they don’t spread to other plants.
Some people prefer to prune plants before transitioning them back into the house. If so, prune no more than one-third of each, pruning an equal amount off the roots. When repotting, pick a container that’s two or more inches bigger than the current one.
Gradually transition your plants to the new environment, which has different light and humidity levels. For a few days, bring the plants inside at dusk and put them back outside in the morning.
Over a period of 14 days or so, increase the indoor time until the process is complete and they’ve become indoor plants again, finishing the transition before temperatures go down to 45 degrees.
What’s the Cost of Winterizing a Home?
Pipe insulation, as noted earlier, can be relatively cheap, perhaps 50 centers per linear foot.
If a homeowner decides to insulate further, perhaps an attic, costs can range between $1.50 and $7.00 per foot, or a total of $1,700 to $2,100.
On average, an attic insulation installer may charge $70 an hour. If electrical work needs to be done for safe insulation around cables or junction boxes, you may expect to pay $80 an hour.
To hire someone to clean gutters and downspouts, you may pay an average of $119 to $227. An HVAC inspection might cost $325 and up, while the cost to replace an HVAC system could run between $5,000 and $10,000, depending upon the size of the home, among other factors.
What each of these services costs will depend on the locale, what types of repairs or unusual circumstances exist, and so forth.
Additionally, there are websites that allow a homeowner to enter a ZIP code and get an estimate of what a winterizing activity may cost. It makes sense to get quotes from local professionals to get an exact price.
Financing Winterization Projects
Some people pay for their home winterization costs out of pocket, while others may decide to get a home improvement loan. If you’re leaning toward a loan, comparing a home equity line of credit (HELOC) and a personal loan can make sense.
Recommended: How Do Home Improvement Loans Work?
A HELOC uses your home as collateral; for this to be an option, there needs to be enough equity in the property to borrow against it. If there is, and the loan amount required is large, it could make sense to apply for a HELOC.
Interest rates may be lower than those for a personal loan. Also, you can typically take draws from a HELOC up to the loan’s limit.
So if winterizing is coupled with indoor projects done through the cold season, for example, this might be a practical solution. In some cases, interest payments could be tax-deductible.
Recommended: The Different Types Of Home Equity Loans
A personal loan can make sense for recent homebuyers who haven’t built enough equity or for people planning smaller projects. Home winterization often fits into this category.
Applying for and receiving money from an unsecured personal loan is typically much faster than with a HELOC, partly because no appraisal is required for the loan.
Having an excellent credit score and cash flow can help a borrower get approved or receive better loan terms.
The Takeaway
Preparing your home for the harsh weather of winter can be one step you take to protect your house and potentially reduce your energy bills. However, many homeowners don’t take steps to winterize a house due to the upfront costs. Fortunately, there are ways to finance any home improvement projects.
If taking out a home improvement loan for home winterization projects makes sense, then here’s more about the fixed-rate unsecured personal loans offered by SoFi:
• Personal loans have no origination fees and no prepayment penalties.
• Qualifying borrowers may be eligible for loans up to $100,000.
• Applying online can be quick and easy.
• Customer service is available to help seven days a week throughout the process.
Winterize and protect your home with SoFi home improvement loans.
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.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
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.
“People get weird around money,” says Bobby Soler, a financial advisor with the firm Strategies for Wealth in New York City. “It can be really awkward with family members.”
He knows from firsthand experience. When it came to caring for his grandmother, his family avoided planning discussions, which led to stressful disagreements between siblings. He wants people to prevent that kind of situation by talking about money — even difficult topics like end-of-life planning — well in advance.
You want to know if your parents have enough money for retirement
Opening up the conversation by using a recent news article can be an easy way to start, says Dan Casey, founder of the financial firm Bridgeriver Advisors in Bloomfield Hills, Michigan. You could mention that you read an article about the value of using a retirement calculator, for example, or how many people are concerned with having enough money.
That way, he says, “you’re just passing on knowledge,” and can avoid unintentionally seeming like you’re trying to find out what inheritance you might one day receive.
Try questions that evoke hopes and dreams, says Erika Wasserman, CEO of Your Financial Therapist based in the Miami, Florida area.
One question you can pose is, “Mom and Dad, what is retirement going to look like for you?” Then, you could follow up by asking about where they want to live or whether they plan to move.
“When you give people a chance to explain their vision, it gives you a different perspective and allows them to open up,” she says.
You want to make sure your parents or grandparents have end-of-life paperwork in place
“Focus on the fact that you really care about them,” says Annie Cole, a Vancouver, Washington-based money coach and author of the book “101 Ways to Earn More, Build Wealth, and Live Rich in Your 30s.”
She recently asked her dad if he had a will.
“We called out the elephant in the room and just said, ‘This might feel a little awkward,’” she says. That comment broke the ice and made everyone laugh, and then they had a productive conversation about his retirement plans.
Try giving siblings and other involved family members a heads up before broaching a heavy topic together, says Elaine Swann, a San Diego, California-based etiquette expert and author of the etiquette guide “Let Crazy Be Crazy.”
She warns against springing a conversation about estate planning on siblings or family members.
“If you have a group family text, bring up the fact that you want to have a conversation,” she says, then pick a mutually-convenient time. That way, they can be physically and mentally prepared.
You’re going on vacation together as an extended family
Have a conversation about vacation cost-sharing during the planning process of the trip, Casey says. If you are offering to host and pay for one element but not another, spell that out, he adds. And if you know a financially-strained family member can contribute in another way, such as cooking, discuss those contributions in advance, too.
Similarly, at a group dinner, it’s helpful to talk about splitting the bill before placing orders, Swann says.
“There’s nothing wrong with saying, ‘Hey, how would you like to split the bill?’ Have the conversation beforehand so it’s less awkward and you can sit back and enjoy the meal,” she says.
You’re going through a difficult financial period
“It’s OK to put a boundary in place,” says Wasserman. “You can say, ‘Right now I’m working through financial issues and I have the support I need, but I appreciate your love and support.'”
Family members often want to make sure you’re OK or at least have a plan in place. “They want to see you are handling it. That is just reassuring to people who love you.”
If you don’t want to talk about your situation, Swann suggests being blunt.
“That’s not something I want to talk about. So anyway, how was your vacation this year?” is a script that helps you firmly pivot to another topic. “Be prepared to shift the conversation,” she says.
Your family members keep asking you for money
If you agree to loan family members money, it should always be in writing, Casey says, including any agreement around when it will be repaid.
If you don’t want to loan family members money, then Cole suggests offering to help in non-financial ways, such as by preparing meals or caring for any pets. You can also be honest about why you’re declining to provide financial assistance.
“We say, ‘We don’t mix family and money in that way,’” Cole says. “That’s our saying, and people understand.”
Get more financial clarity with NerdWallet
Monitor your credit, track your spending and see all of your finances together in a single place.
Jacksonville, Florida, is a city known for its blend of urban charm and natural beauty, offering a wide range of activities for both locals and visitors. From hidden gems tucked away in historic neighborhoods to outdoor adventures along the St. Johns River, Jacksonville has no shortage of unique things to do. Whether you’re looking for arts, culture, Jacksonville nightlife, or a peaceful escape in nature, there’s something unexpected around every corner in this vibrant coastal city.
Interested in moving to Jacksonville, FL? Check out: Apartments for rent in Jacksonville, FL | Houses for rent in Jacksonville, FL | Homes for sale in Jacksonville, FL
1. Catch a Jaguars game
If you are new to Jacksonville, there is only one activity that is quintessentially Jacksonville – and that’s a trip to Everbank Stadium to watch the Jacksonville Jaguars. “The energy, the excitement, the overwhelming (sometimes false) sense of optimism. Win or lose, it was always and it will always be the Jags.” – Mesa – Indian Restaurant
If you’re exploring Jacksonville’s vibrant creative scene, don’t miss Jax Mini Sessions Studio. “We’re a community hub for photographers, content creators, and local businesses to bring their visions to life. And for a fun, colorful twist, head next door to our neighbor, Barkum’s Art of Fun, where you can splatter paint and unleash your inner artist after your photo session for more creative fun. Jacksonville is bursting with creativity, and we’re proud to be a part of it!” – Tabitha Baldwin
Rosalia’s Italian Restaurant and Pizzeria is a family-owned, made-from-scratch eatery known for its warm, inviting atmosphere and authentic, affordable Italian food and drinks. “Whether you’re stopping in for a meal or looking for a place to unwind, Rosalia’s has something for everyone. Right next door, we have a chic cocktail lounge that offers a limited menu from Rosalia’s, along with plenty of entertainment, including pool tables, steel tip darts, and 13 large-screen TVs. It’s the perfect spot to relax, enjoy great food, and have a fun time with friends.” – Dante and Rosalia – Dante’s Place at Rosalia’s
Take advantage of Jacksonville’s proximity to water at Floating Sea Aquatics, Jacksonville’s most unique and diverse hang-out spot. “It capitalizes on the diversity of Jax by implementing several different factors into their lounge including aquatic displays, art classes, coffee lounging area, board games, and kava culture. Floating Sea Aquatics is definitely a wholesome and kid-friendly visit – perfect for including it into your travel plans.” – Jacksonville June Bug
For those seeking an upscale dining experience in the Jacksonville area, Restaurant Medure is the place to be and one of the most engaging and unique things to do in Jacksonville, FL, for foodies.
“This elegant establishment is known for its innovative menu, which blends French, Italian, and American flavors. Our clients praise Restaurant Medure located in Ponte Vedra, it is known for its impeccable service and attention to detail. The menu changes seasonally, ensuring that each visit offers something new and exciting. Standout dishes include the braised short rib, the foie gras, and the exquisite desserts. The result is a culinary experience that is both refined and adventurous!” – Mark Geallis – Jacksonville Black Car Limo Service
If you’re exploring Jacksonville, make sure to add The Portrait Boutique to your list of must-do activities. “Located in San Marco, this top-rated photography studio offers a personalized experience for portraits, maternity sessions, weddings, and corporate sessions. The studio even has a 360 Photo Booth and an in-house wardrobe for women, making it perfect for capturing those special moments in style.” – Danni Harris
For a true taste of Jacksonville Beach fun, head to Adventure Landing and Shipwreck Island Waterpark! “From heart-pounding water slides and a lazy river to mini golf, go-karts and arcade games, this spot has something for everyone. It’s the perfect place to soak up the sun and enjoy the family-friendly, beach-town atmosphere that defines Jacksonville. Whether you’re looking for thrills or just a relaxing day in the water, this local gem is a must-visit!” – Lisa Frint – Adventure Landing
For an insider look at Jacksonville’s vibrant scene, we recommend spending an evening at The Florida Theatre. “This beautifully restored 1927 venue is a cornerstone of culture in the city, hosting everything from concerts by world-class musicians to film festivals and comedy shows. Its elegant architecture and rich history make it a quintessential Jacksonville experience — perfect for those who appreciate the finer things in life, much like our residents at The Note.” – Rafael Ortiz, Leasing & Local Outreach Marketing Manager – The Note Apartments
If you’re a cat lover hoping to make some feline friends from a safe distance, The Catty Shack Ranch offers one of the most unique things to do in Jacksonville, FL.
“This non-profit organization’s purpose is to educate the public about the perils of keeping large cats as pets, as well as the threats to the cats posed by changing weather, environmental contamination, shrinking habitats, and hunters.
None of the animals residing in the Catty Shack are ever purchased, sold, or traded; they are often brought here by owners who couldn’t adequately care for them. You and your children will be overjoyed as you get up close and personal with some of the world’s unique cats. The refuge is home to tigers, lions, pumas, bobcats, cougars, foxes, leopards!” – Mark Geallis – Tipper Transportation
If you’re looking to create unforgettable memories in Jacksonville, be sure to book your next adventure with Under The Stars Glamping Adventures! “Northeast Florida’s premiere luxury tent rental service, Under the Stars Glamping Adventures offers glamorous outdoor and indoor tents for sleepovers, camping, picnics, weddings, movie nights and more! Whether it’s at your home or a campground, park or a venue, this mobile glamping company creates the most unique glamping adventures wherever you need them for whatever special occasion you are celebrating!” – Candice Stevens – Under The Stars Glamping Adventures
11. Head downtown and learn about voting before Election Day
Moving to Jacksonville? Don’t forget to register to vote while seeing the downtown sights all around you!
“The Duval County Supervisor of Elections office, located in the heart of downtown, is proud to provide the information, education, and technology to ensure fair elections for all voting citizens of Duval County. With a commitment to honesty, integrity, and respect for every vote, we’re here to serve your voting needs.
For those new to Jacksonville, downtown is a must-see! While you’re exploring downtown, stop by our office to register and experience the vibrant city around you.” – Jerry Holland, Supervisor of Elections
No matter what your interests may be, Jacksonville offers an abundance of unique experiences that are sure to make your visit unforgettable. From scenic outdoor activities to quirky local spots, there’s always something new to discover. So, next time you find yourself in Jacksonville, take some time to explore beyond the usual attractions — you might just uncover a hidden treasure that becomes your favorite part of the city.
As Halloween approaches, it’s the perfect time to celebrate with our furry friends by throwing a spooktacular dog Halloween party. This festive occasion not only allows your dog to strut their stuff in style but also brings together fellow pet lovers for a day of fun and camaraderie. From spooky home decor to tasty, dog-friendly snacks, a Halloween party for your pooch is a delightful way to create lasting memories while embracing the spirit of the season.
Whether you’re planning to host a pet-friendly Halloween party in your new home in San Diego, CA, searching for an apartment in Dallas, TX, or looking for a rental in Boise, ID, with this guide, get ready to make this Halloween a howling good time.
1. Bring on the decorations
Stephen and Kelly Newman, owners of pet apparel shop Luv the Paw, share some ideas to help ring in the festivities while keeping your dog out of harm’s way. “Use pet-safe decorations like Halloween-themed pillows, blankets, LED candles, and pet-friendly toys to set the scene,” says Stephen and Kelly.
A few more ideas could be to opt for non-toxic materials like fabric, paper, or untreated wood, and avoid anything with small parts that could be swallowed. Creating pet-safe Halloween decorations is a fun way to celebrate the season while keeping your furry friends safe. With a little creativity, you can create a spooky atmosphere that everyone can enjoy.
2. Bake some homemade treats
Making homemade dog Halloween treats is a delightful way to include them in the festivities. With simple recipes using dog-friendly ingredients, it’s easy to whip up some tasty snacks. For a festive touch, use cookie cutters to create spooky shapes like bones or pumpkins.
“Any space can become a dog’s dream when it comes to the right crew of dog besties trick or treating for dog treats,” shares Shea Russo, VP of marketing at Boss Nation Brands, a pet product company. “It’s so fun to see your dogs happily scurrying around while you watch them enjoy the fruitful (or should I say FRIGHTful) joys that come with the cozy fall vibes of Halloween.”
Make a trick-or-treat station
A trick-or-treat station is a great way to engage with the normal traditions of Halloween while still making it a fun activity for dogs to enjoy. Kiersten Rooney and Sarah Dollar, event producers at LB Events + Design, propose, “Consider making homemade treats such as yogurt and pumpkin bites using silicone molds shaped like ghosts and witch hats. Also, feel free to get creative with a trick-or-treat station that has bags for take-home goodies for humans and pups.”
Encourage pups to “trick” by performing simple commands for their goodies, making it an interactive and enjoyable experience for everyone involved.
Recipe inspiration
Not quite sure where to start with making homemade dog treats? Morgan Kultala, the general manager at Fetch Pet Care, has you covered, “Start by combining 2 ½ cups of whole wheat flour, 2 large eggs, ½ cup of canned pumpkin, 2 tablespoons of pet-safe peanut butter, and ½ teaspoon of salt in a bowl. Once mixed, roll the dough to a thickness of ½ inch and cut out your favorite shapes.”
Kultala continues, “Bake the treats in the oven at 350°F on a baking sheet for about 40 minutes, or until they are golden brown and crunchy. Let them cool before the party begins, and get ready to celebrate with your pup.”
Just be sure to avoid ingredients like chocolate, xylitol, and anything toxic to dogs. Once baked, you can even decorate the treats with yogurt icing for a special Halloween flair that your pup will love.
3. Create a space for dogs to socialize
Creating a dedicated space for dogs to socialize at your Halloween party adds an exciting element for both pets and their owners. Set up an area with plenty of room for pups to mingle, complete with soft surfaces like blankets or pet beds for comfort in case some pups get overwhelmed.
Joel, owner of Paws to Consider, a dog walking service in Jamaica Plain, MA, suggests, “Create a safe, fun space where dogs can socialize while showing off their best doggie costumes, but don’t forget a cozy rest area for the pups to relax. With a little planning, you and your furry guests are sure to have a paw-some time.”
To ensure a safe space for socializing, make sure the area is securely fenced or enclosed to keep any escape artists from wandering off. Additionally, provide water bowls and designated spots for potty breaks to keep everyone comfortable and happy.
4. DIY dog Halloween decor
Halloween decorations can be pricey, so why not make your own with your pet? These unique decorations not only add a personal touch to your Halloween festivities but also showcase your furry friend’s personality.
“Make Howl-o-ween extra spooky by turning up the woof with some dog-friendly activities like creating their own decor,” Lindsey Quinn, doner and public relations coordinator at Oregon Dog Rescue in Portland, OR, recommends. “Pick up some pooch-friendly paint and let your furry friend put their paw print on their very own pumpkin.”
These creative touches will not only enhance your Halloween decor but also create lasting memories that you and your dog can cherish for years to come.
5. Host a costume contest
Hosting a costume contest for dogs is an exciting and adorable way to amp up the fun at your dog Halloween gathering. Joel I. at Abington Dog Care in Abington, MA. encourages pet owners to dress their dogs in creative, comfortable costumes and offer dog treats and prizes for the best-dressed pups.
“Host a pet Halloween costume contest and let your furry friends show off their style. Award the winners with lots of treats,” suggests Jennifer Hellams from Furryland, a mobile pet grooming company. “Don’t forget to capture the adorable moments with your camera to share.”
And the winners are…
Katie Hall Goodman with Best Day Ever LA Events shares her inspiration for the winning category titles, “Let the pets show off their costumes and win fun, pet-themed prizes for categories like ‘Best in Show-lloween’, ‘Creepiest Cutie’, ‘Most Fang-tastic’, and ‘Fur-ocious Fashionista’.”
With prizes for the winners, this event is sure to be a highlight of the celebration, bringing joy and laughter to both pets and their humans.
For pups not fond of costumes
If your pet isn’t into costumes, opt for Halloween-friendly pet accessories and apparel in classic hues like vibrant orange, black, and purple instead. Whether you go for a pumpkin orange dog harness or potion purple dog hoodie, your pet will turn heads in their spooktacular style and be the cutest trick-or-treater on the block.
6. Play pawsome games
At a dog Halloween party, games are a fun and thrilling way to keep the pups engaged and entertained throughout the festivities. Dog-friendly games are fantastic for promoting physical exercise and mental stimulation, helping to keep them healthy. Socializing with other dogs and their owners in a festive environment also enhances their confidence and reduces anxiety, making it a fun and beneficial experience.
Treat under the cup
Jessica Cooper-Keeble at Mutty Trails in Portland, OR, an adventure dog hiking service, shares her idea for a ‘Treat Under the Cup’ game. In this exciting competition, you’ll have a few cups or containers, and under one of them, you hide a tasty dog treat. The dogs take turns sniffing and nudging the cups to find their hidden prize, which encourages their natural foraging instincts and sharpens their problem-solving skills.
Bobbing for bones
Another fantastic idea for a game is shared by event planner Paola Franco, founder of Say I Do Details, “Set up a paw-some ‘Bobbing for Bones’ game with pet-safe toys and treats.”
In ‘Bobbing for Bones’, dogs take the plunge into a kiddie pool filled with water and floating bones or toys. Pups use their noses and paws to retrieve the goodies, making it a fun and interactive way to keep them cool and entertained.
To wrap up the festivities, a fun agility course with Halloween-themed obstacles can get all the furry friends moving and having a howling good time.
7. Have a trick teaching contest
A trick teaching contest is a fantastic way to showcase your dog’s skills and creativity while promoting bonding between pets and their owners.
Debby McMullen, Certified Dog Behavior Consultant and owner of Pawsitive Reactions, recommends, “Consider a trick teaching contest using Halloween-themed cue words to see who learns a new trick fastest.”
This friendly competition encourages both dogs and handlers to work together, boosting confidence and reinforcing positive training methods, all while providing a great opportunity for everyone to share laughs and celebrate their furry friends’ unique talents.
8. Don’t forget a photo op
A photo op at a dog Halloween party adds an extra layer of fun and festivity, allowing pups and their owners to capture memorable moments together. “Keep your guests entertained with a fun photo area with a spooky backdrop and fun props,” suggests Portland, OR local Tristan Worth with The Dog House Doggie Daycare and Wash. “Items made for babies are often the right size, more durable, and often made with nontoxic material (in case your pup has the need to chew).”
A themed backdrop with Halloween decorations, like pumpkins, ghosts, and colorful banners, creates the perfect scene for adorable snapshots. You can even provide props like hats, capes, and silly glasses for an extra dose of charm.
Lisa, travel blogger at Traveling With A Dog, shares, “Throwing a pet-friendly Halloween party is all about spooky vibes and making sure your furry BFFs have just as much fun as you. This can be made with an Insta-worthy photo booth with Halloween props for those #DogMomGoals moments.”
These photos not only celebrate the event but also serve as lasting keepsakes of the fun-filled day with furry friends.
9. Finally, keep the pups safe
While having fun at a dog Halloween party is essential, ensuring the safety of all furry guests is equally important. Prioritizing safety allows everyone to enjoy the festivities worry-free, ensuring that the party is a fun experience for both dogs and their owners.
To keep in mind during planning
“Safety is paramount when planning a dog-friendly event,” reports Christy Caplan, blogger at Wag and Cluck. “Opt for a daytime gathering instead of Halloween night to keep stress levels low and a large, fenced and dog-friendly backyard with a quiet area allows for relaxation.”
Additionally, have a first aid kit on hand for any minor accidents, and make sure all dogs are up-to-date on vaccinations to promote a healthy environment.
Ingredients to keep an eye out for
Common holiday treats, like chocolate, raisins, and certain nuts, are harmful to dogs, so it’s important to keep these out of reach and ensure all snacks are dog-safe.
“Keep all candy, especially chocolate and sugar-free treats containing xylitol, well out of your dog’s reach,” states the team at DJANGO, a small business specializing in dog accessories. “Make sure guests know not to leave their candy and treats unattended and discard any wrappers.”
By staying informed about these hazards, you can create a festive atmosphere without compromising your dogs’ safety.
Set up a quiet area
Brad Pauer, co-founder of The Dog Vacation, an organic pet shampoo bar company, advises, “Focus on creating a safe, festive environment with fun activities, but make sure to designate a quiet area for pets to retreat to if they become overstimulated and always supervise them during the event.”
Setting up a quiet space for dogs to relax during the party is essential for their comfort and well-being. Designate a cozy corner with soft blankets, calming music, and some familiar toys to create a soothing atmosphere. This area allows shy or overwhelmed pups to retreat and recharge away from the festivities, ensuring they don’t feel stressed.
With these precautions, you can foster a joyful and safe atmosphere for every furry guest.
Dog halloween party: Wrapping up the celebration
Hosting a dog Halloween party is a fantastic way to celebrate the season while creating unforgettable memories with your furry friends. From cute costumes to tasty treats and fun games, this festive occasion brings together the joy of Halloween and the love we have for our pets. So, gather your fellow dog owners, embrace the spooky spirit, and let your pups enjoy a day filled with tail-wagging fun. With a little creativity and preparation, you’ll be sure to throw a howling good time that your dog—and their friends—will remember for years to come.
Tucked along California’s sun-drenched coast, Santa Barbara is renowned for its stunning beaches, charming Spanish architecture, and extensive wine scene. But beyond the iconic palm-fringed shores and bustling State Street, this coastal city offers a wealth of unique experiences that go beyond the ordinary tourist trail. Santa Barbara invites explorers to uncover its lesser-known treasures and discover more than what it’s more commonly known for.
Whether you’re searching for a cozy home in Santa Barbara, exploring available apartments, or looking for a rental property, you’re in for an exceptional experience. If you’re eager to go beyond the basics and uncover unique things to do in Santa Barbara, keep reading to discover the city’s enchanting side and see what makes Santa Barbara an extraordinary place to consider moving to.
1. Explore local culinary eats
Eating local in Santa Barbara is a culinary adventure that highlights the region’s rich agricultural bounty and coastal flavors. From farm-to-table restaurants to vibrant farmers’ markets, you can savor dishes crafted with fresh, seasonal ingredients. Embrace the local food scene by dining at charming bistros, exploring artisanal food shops, and enjoying seafood that reflects the city’s maritime heritage.
Ocean views
Across the street from Santa Barbara’s pristine East Beach sits Convivo Restaurant & Bar, a “Nomad Italian” restaurant, featuring expansive patios with views of the sparkling Pacific Ocean. Indulge in their seasonally changing menus that include consummately crafted cocktails and spectacular seafood starters. So settle in, savor delicious wood-fired pizza, and let the calming sounds of the ocean enhance your dinner.
Join a pasta club
Each week, Aperitivo spotlights a different Italian region, showcasing its distinctive flavors and wines. When joining their pasta club, you’ll enjoy freshly handmade pasta paired with house-made sauces and expertly chosen wines from the featured area. Every gathering features unique recipes and cooking techniques, creating a vibrant community experience centered around a shared love of Italian cuisine.
Eat a bountiful brunch
Indulging in brunch is not a feat that someone often regrets. Take in the joys of brunch at Scarlett Begonia, an innovative, sustainable restaurant found right off State Street. From the delectable Yukon Gold Cinnamon Roll to the exquisite Smoked Salmon on Brioche, these dishes just touch the surface of a wide range of brunch-focused dishes featuring organic eggs and sustainable meat and fish.
2. Take in a winery off the beaten path
Exploring wineries in Santa Barbara County is a captivating journey through stunning landscapes and world-class wine. The region’s diverse terroirs produce a range of exceptional wines, from crisp Chardonnays to bold Syrahs, each reflecting the unique character of the area. The experience offers not just an opportunity to savor fine wines but also to immerse yourself in the beauty and charm of California’s Central Coast.
Farm-to-table
From their comprehensive farm-to-table menu to the award-winning wine, Vega Vineyard is an absolute must-visit. Beyond the exceptional food and wine, Vega boasts a working farm, tractor rides, a petting zoo, a playground for kids, and even cabana rentals. It’s a unique destination where you can easily spend an entire day enjoying a wide range of activities.
Southern hospitality
Presqu’ile is a winery dedicated to the relentless pursuit of growing and crafting cool-climate premium wines. From an elegant Pinot Noir to a méthode champenoise sparkling wine, the family winery works to express the estate and select sites in Santa Barbara County. Rooted in the family’s tradition of warm and welcoming Southern hospitality, Presqu’ile provides an unparalleled guest experience.
Private, guided tour
Embark on a wine adventure with a personalized tasting tour with Rooted Vine Wine Tours, featuring family-owned and independent wineries. Explore unique varietals with fascinating histories, savor a gourmet picnic lunch, and meet passionate local winemakers dedicated to their craft. The tour guide can pick you up from your home or hotel, so you can relax without worrying about driving or parking.
Party bus luxury
Taking a wine-tasting tour in Santa Barbara County on a party bus elevates the experience with a blend of fun and luxury. Golden Rooster Transportation provides a festive atmosphere, complete with extensive wine country knowledge that makes each stop at award-winning wineries even more enjoyable. This vibrant approach allows you to fully savor the region’s exceptional wines without the hassle of driving or logistics and is a unique thing to do in Santa Barbara.
3. Gallop on the sand
Horseback riding on the beach is a unique activity to do in Santa Barbara that combines the thrill of equestrian adventure with the stunning beauty of the coastline. As you ride along the sandy shores with Summerland Beach Rides, you can enjoy panoramic ocean views and the soothing sounds of the waves. It’s a unique way to connect with nature and explore Santa Barbara’s scenic beauty from a different perspective.
4. Enjoy the keys at The Red Piano
The Red Piano is Santa Barbara’s premier piano bar, where live music, audience sing-alongs, and expertly crafted cocktails create a one-of-a-kind experience. Situated on Lower State Street, this lively venue offers a dynamic atmosphere where performers keep the energy high and every night turns into an unforgettable celebration. Whether you’re new to town or a seasoned local, The Red Piano is the place to make lasting memories.
5. Find your new favorite cupcake
A visit to a cupcake café is a delightful treat for the senses, offering a charming and cozy atmosphere where you can indulge in a variety of delectable cupcakes while sipping fine-brewed coffee.
“Someone new to or visiting Santa Barbara should make the time to visit Crushcakes & Café, whether it be for a cupcake and some coffee or for their delicious breakfast, brunch, and lunch options,” shares Karyn Laver, director of The Dance Network, a dance studio in Santa Barbara. “This locally owned restaurant has been one of my favorite places to go since they first opened in 2008 and they never disappoint.”
Each bite-sized creation is often a work of art, with unique flavors and creative toppings that cater to every palate. The café’s inviting ambiance makes it an ideal spot for a casual catch-up with friends or a sweet escape from the everyday hurry.
6. Admire artwork at Elizabeth Gordon Gallery
Venturing into an art gallery provides a serene space for reflection and inspiration, making it an ideal spot to appreciate both local and international talent. Each exhibit invites you to engage with art in a meaningful way, enriching your visit to Santa Barbara. At Elizabeth Gordon Gallery, you can explore a diverse array of artworks, from contemporary pieces to modern works. Looking for a new monthly adventure? Every month, they host a First Thursday event for locals and visitors to enjoy and take in the masterpieces as a unique thing to do in Santa Barbara.
7. Consume coffee cocktails at Cajé
A must-visit spot in the city is Cajé, where they’re renowned for their inventive coffee cocktails and unmatched atmosphere. This stylish café combines innovative drinks with a warm, inviting vibe, making it the perfect spot to unwind or socialize. With their craft coffee blends to delicious and ambitious cocktails, Cajé is a unique thing to do in Santa Barbara.
8. Savor seafood finds
Enjoying fresh seafood is another unique thing to do in Santa Barbara, thanks to the region’s rich maritime heritage and proximity to the ocean. From succulent shrimp and perfectly grilled fish to delectable calamari, local seafood restaurants offer a range of dishes that highlight the freshness and quality of the catch.
“If you’re new to Santa Barbara and love fresh seafood: wake up early Saturday morning and head down to the Saturday Fisherman’s Market on the pier at the harbor, “ says Benjamin Silver at Silver Wines. “My favorite business is Garrigan Seafood, where the fishermen catch fresh Spiny Lobster, Rock and Spider Crab, and Rockfish throughout the year.”
Dining on fresh seafood by the sea not only provides a taste of the ocean but also a glimpse into the region’s vibrant coastal culture.
9. Meander through the Funk Zone
The Funk Zone in Santa Barbara is a vibrant, eclectic neighborhood known for its artistic and creative atmosphere. Located between State Street and the waterfront, this area is famous for its colorful street art, craft breweries, and wine-tasting rooms.
Melissa Hopf with Totally Cali Tours shares that at Fox Wines, a spacious warehouse-like space filled with a collection of local food/drink and art-focused businesses, you can enjoy regional wines that highlight the best of the area while grabbing farm-to-table bites from The Nook. The space is filled with local art and frequently hosts pop-up events featuring local artists and craftspeople, as well as live music.
For beer lovers, Topa Topa Brewery and Lama Dog Tap Room + Bottle Shop are also in the same building, offering a great selection of local brews.
Wallace Piatt, owner and operator at Rodeo Art Gallery, shares his favorite pastime in the city, “Take a walk down Cabrillo Blvd beachside through The Funk Zone for a true American Riviera experience. Pop into Flor de Maiz or Oku, which is on your way to our own creative corner,” Piatt continues. “Stop by the famous boutique, Loveworn, and Rodeo Art Gallery—all of which are located within just two minutes of each other.”
Located right next to the waterfront, the Funk Zone is the perfect place to explore one of Santa Barbara’s coolest neighborhoods and easily try out a unique thing to do.
10. Experience the ballet
Attending a ballet performance is a mesmerizing experience that combines grace, athleticism, and artistry. As you watch the dancers glide across the stage, their elegant movements and expressive choreography bring the music to life in a captivating way. Santa Barbara Festival Ballet is celebrating its 49th Nutcracker Anniversary at the historic Arlington Theatre this year with a live symphony orchestra. Whether it’s a classic ballet or a contemporary work, the ballet offers a unique and enchanting escape into the world of dance and creativity.
In addition to putting on stunning performances, Santa Barbara Festival Ballet also provides exceptional training for dancers, new and experienced, with a personalized touch to help each artist grow uniquely and confidently.
11. Sip at Third Window Brewing
Third Window Brewing offers a unique ranch-to-beer garden experience. Sourcing wheat, oak, and beef from their family-owned ranch in Los Olivos, they craft estate beers, oak-smoked BBQ, and wood-fired pizzas. On tap, you’ll find award-winning Belgian-inspired beers brewed on-site, along with wagyu smashed cheeseburgers, fries, and milkshakes. Don’t miss their weekend and nightly specials featuring Texas-style BBQ, house-made pretzels, tri-tip sandwiches, and FP Ranch steak dinners. With its lush, laid-back beer garden welcoming people and pets, it’s the perfect spot for great food, refreshing drinks, and friendly faces.
12. Support the arts
The Museum of Sensory & Movement Experiences is an immersive destination dedicated to exploring the evolution of interactive art. Through a rich array of experimental time-based installations—both contemporary and historical—the museum invites visitors to embark on a captivating journey through the development of interactive artistic expressions. Each exhibit is designed to engage the senses and provoke reflection, offering a hands-on experience of how art has evolved over time.
Complementing this experience, in the same building, The Arts Fund Community Gallery provides a vibrant platform for local talent. By presenting thought-provoking and dynamic works, the gallery plays a crucial role in celebrating and advancing the local art scene, making it an essential part of the museum experience. Together, these two spaces create a comprehensive exploration of art, blending historical context with contemporary innovation and local creativity.
13. Catch a wave
Santa Barbara is not only one of the most beautiful towns in California, but it’s also an ideal spot for learning how to surf. There’s no better way to experience the charm of a beach town than taking in the coastline from the ocean. The perspective from the water is mesmerizing and humbling.
“I went to college at UC Santa Barbara and lived in ‘SB’ (as the locals call it) for over 10 years. During my time in SB, I fell in love with this enchanting town, where a stunning mountain backdrop meets the sparkling sea,” says Vanessa Rivers, founder of Surf Lessons with Vanessa and co-founder of We Are Travel Girls.
“If you’re visiting or live in Santa Barbara, I highly suggest surfing at Mondos, which is, in my opinion, the very best place to learn on the West Coast,” suggests Rivers. “People call Mondos the Waikiki of California because it offers a long, mellow wave and a shallow sand bottom, making it easy to paddle out and catch waves.”
14. Embark on a dolphin cruise
Set sail on a dolphin cruise and immerse yourself in the enchanting world of these playful marine mammals. Betsy Woyach, owner and director of Momentum Dance Company, recommends, “Take the time to experience the Double Dolphin Cruise from Santa Barbara Sailing Center. This experience is quintessential Santa Barbara—the wharf, the views, the ocean, it’s a definite 10 out of 10 experience.”
As you glide across the shimmering waters of the Pacific Ocean, watch in awe as dolphins dance and leap beside your boat, creating memories that will ripple long after the journey ends.
15. An itinerary for the perfect day
Crafting the perfect itinerary for a day in this coastal city involves a blend of sightseeing and delicious food. Need a hand putting together the perfect day of unique things to do in Santa Barbara? Captain Spencer MacRae, co-owner with his wife, Courtney, of SunSwept Sailing has it all figured out. “Our family has called Santa Barbara home for seven generations and loves ‘touristing’. If you are looking for the quintessential Santa Barbara experience, we suggest starting with a sunrise hot air balloon ride with Sky’s the Limit Ballooning over the vineyards of the Santa Ynez Valley.
“Then visit one of the amazing bakeries, like Mortensen’s Danish Bakery, before starting a wine tour with Rooted Vine Tours complete with lunch and local Olive Oil Tasting at Rancho Olivos,” suggests MacRae. “Finish off the afternoon aboard Yacht Kelpie for an authentic sailing experience along the American Riviera with SunSwept Sailing.”
MacRae also recommends ending the night at a beloved dining spot. “Top off the evening with casual fine dining and drinks at Toma, an Italian seafood restaurant across from the harbor. As a bonus, if the weather is lovely, spend an extra day exploring the Channel Islands National Park and Marine Sanctuary.”
Unique things to do in Santa Barbara, CA: Final thoughts
From world-class wineries and charming local boutiques to exhilarating outdoor adventures and one-of-a-kind dining spots, Santa Barbara offers something for everyone seeking a fresh perspective. Embrace the opportunity to uncover these distinctive activities and make your home truly memorable, leaving with a deeper appreciation for all that this coastal gem has to offer.
Do you want to learn how to make $400 fast? Making extra money can be really helpful for unexpected expenses or saving up. You might need it for rent, a car repair, or a medical bill. Or maybe you’re saving for something special and just want to earn a little more. Sometimes, you need quick…
Do you want to learn how to make $400 fast?
Making extra money can be really helpful for unexpected expenses or saving up. You might need it for rent, a car repair, or a medical bill. Or maybe you’re saving for something special and just want to earn a little more.
Sometimes, you need quick cash, and $400 can make a big difference. Finding ways to make money fast doesn’t have to be hard and can be done in many different ways that fit your skills and schedule.
Best Ways To Make $400 Fast
Below are the best ways to make $400 fast.
1. Sell printables
Selling printables can be a great way to earn money quickly. Printables are digital products that buyers download and print at home. These can be anything from planners to party decorations to holiday cards.
The best part is you only need to create them once, and they can be sold many times.
After creating your printable, you’ll need a platform to sell it. Etsy is a popular choice because it’s easy to set up and lots of people shop there for printables. When listing your product, make sure to use good photos and detailed descriptions because this helps buyers find your printables.
I have several friends who make over $1,000 each month by selling printables, and they do it all from home! It’s a side hustle that I frequently think about starting.
You can learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
2. Start a blog
Starting a blog can be a great way to make $400. It may not always be fast, but once you get your blog started, you may be able to make money and create new income streams.
To make money, you can place ads on your blog. You can also write sponsored posts or review products. Another way to earn is by promoting products you like through affiliate links. When someone buys a product through your link, you get a commission.
For me, I love blogging and I make over $400 a day online with my blog. I also get to work from home and have a flexible schedule, and I love it!
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
3. Answer online surveys
Taking online surveys is a simple way to make extra money. Many companies pay for your opinions to help improve their products. You can do this from home and on your own schedule.
It would take some time to make $400 by answering surveys, but it is easy and very flexible. Or, you could combine many of the side hustles on this list to reach your $400 goal faster.
The survey companies I recommend signing up for and the best paying survey sites include:
Freecash – This is one of my favorite rewards sites right now! You can get paid to take surveys, play games on your phone, and more.
American Consumer Opinion
Survey Junkie
Swagbucks
Branded Surveys
Prime Opinion
Five Surveys
User Interviews
KashKick
Pinecone Research
Many of the survey sites above give a sign-up bonus to new members and pay via free gift cards or cash to your PayPal account.
I have taken many, many surveys over the years, and I like how flexible they are to answer because you can answer them in your free time (such as when watching a TV show).
4. Sell your old phones
Got an old phone lying around? You can turn it into quick cash, many times up to (or over) $400. Many people don’t realize how much money is just sitting in their junk drawer. Phones, even ones that aren’t the latest model, can be worth quite a bit.
You can sell your old phone on:
Decluttr
eBay
Facebook Marketplace
Craigslist
And more!
You’ll want to remember to erase all your personal data before selling your phone. This is very easy, though, so don’t let it stop you from selling your phone.
5. Join Freecash
Freecash is a website where you can make money by doing fun and easy tasks on your computer or phone. When you join Freecash, you can get paid to test apps, play games, and complete surveys.
I have personally earned $722 from this site, and I have received $720 in free Amazon gift cards. $302 of that was from playing Bingo on my phone through Freecash in just one week!
Click here to sign up for Freecash for free.
6. Bookkeeping
Bookkeeping can be a way to make money from home. You don’t need a college degree to start, and many online courses offer the training needed to get going.
Bookkeepers help businesses manage their finances. This includes tracking income, expenses, and creating reports.
Many businesses, big and small, need bookkeepers. As a result, there’s always a demand for this service. With hard work and dedication, you might earn around $40,000 a year or more.
I recommend signing up for the free training – How to start a profitable bookkeeping side hustle, that can generate $2,000 to $16,000 a month (part-time)!
You can also learn more at How I Made $10,000+ Monthly With A Bookkeeping Business Online.
10
This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
7. Proofread
Proofreading is a great way to make money quickly. Many writers need an extra set of eyes to catch mistakes in their work. As a proofreader, you’ll look for grammar, punctuation, and spelling errors. This job can be done from home, and you get to choose your own hours.
You can proofread all kinds of content. This includes articles, blog posts, books, student papers, and even advertising copy.
Due to the high demand for written content, there’s always a need for proofreaders. This makes it a stable way to earn money.
You can learn more at How To Start A Proofreading Business And Make $4,000+ Monthly.
10
This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
8. Sell jewelry online
Selling your jewelry online can be a way to make $400 fast. If you have items like engagement rings, luxury watches, or necklaces you no longer wear, you can turn them into cash.
Start by choosing a reliable place to sell your jewelry. For example, websites like Worthy can help you sell jewelry like rings and necklaces.
You can learn more at Where To Sell Jewelry: 12 Best Places For Extra Money.
9. Affiliate marketing
Affiliate marketing is a great way to make money online and it’s one of my favorite online business ideas. You can earn commissions by promoting products and services. When someone buys through your referral link, you get a percentage of the sale.
This is my favorite way to make money, as it can all be done online. I can make money while on a vacation or sleeping, and it’s easy to share links to products that you already use and believe in.
My favorite way to do affiliate marketing is by sharing links to products on a blog. You can learn more about this at Affiliate Marketing Tips For Bloggers – Free eBook.
10. Freelance on Fiverr
Fiverr is a great way to make $400 fast by selling your skills online. You can sell services like writing, graphic design, or even voice-overs.
You can easily start freelancing by creating a free account on Fiverr. You’ll choose a username and set up your seller profile where you highlight your skills and what you can sell to clients.
Next, create your first gig. A gig is a service you provide. You can start small, with gigs priced at $5, and then increase your rates as you gain experience (yes, this means that you can earn more than $5 per service that you sell on Fiverr!).
Also, another site to look into if you want to freelance online is Upwork!
11. Pet sitting services
Pet sitting is a great way to make extra money if you love animals. Many people need help taking care of their pets when they’re at work or on vacation. This job usually involves feeding, playing with, and sometimes walking the pets.
You can start by signing up on dog walking websites and apps like Rover or Wag. These platforms connect pet sitters with pet owners. You can choose your working hours and set your rates.
We used to have a dog sitter (back when we had dogs), and we paid her $35 to watch each dog each night (she watched them in her own home). That means she was making $70 a night and we typically had her watching our dogs for 7 days or longer.
12. Sell handmade crafts on Etsy
Selling handmade crafts on Etsy is a great way to make $400 fast. You can set up your own shop and start selling right away. People love unique, handmade items, and Etsy is the place to find them.
You can sell all kinds of things on Etsy, like jewelry, woodwork, soap, and knitted items.
Etsy charges a fee for each listing and a transaction fee when you make a sale, so you’ll want to make sure to price your items to cover these costs and still make a profit.
13. Sell lawn care services
Selling lawn care services is a great way to make $400 quickly. If you have a lawn mower and some basic tools, you can sell your services to neighbors or people in your community.
Start by mowing lawns. You can charge around $30 to $50+ per lawn, depending on the size. If you mow just 8 to 10 lawns, you’ll reach $400 fast.
14. Babysit for neighbors
Babysitting is a way to make money fast. Many parents need someone to watch their kids for a few hours, so you can sell your help during weekends or evenings.
Tell your neighbors and friends that you are available to babysit, or even post in local parent Facebook groups. Let them know your rates and how they can reach you. You might be surprised by how many opportunities you get.
Babysitting rates can vary, but you can charge around $15 to $25 per hour, depending on where you live.
15. Drive for a rideshare service
One of the fastest ways to make $400 is to drive for a rideshare service like Lyft or Uber. You get paid for each trip you complete, and you can work as much or as little as you want.
To make the most money, you can focus on driving during peak hours. These are the times when people need rides the most, like mornings and evenings, making it easier for you to get more trips.
Another tip is to drive during special events or on weekends. People usually need rides for events, and requests increase, which means more money for you.
16. Sell clothes
Whenever I needed money fast, I would go through my closet and find clothes to sell. I did this a lot, especially when I was younger (and had more clothing, haha).
Selling clothes is a quick and easy way to make extra money. You probably have clothes in your closet that you don’t wear anymore. These might be items that don’t fit, are out of style, or just don’t suit you anymore. Instead of letting them take up space, you can sell them online.
There are many websites and apps where you can sell your clothes. Poshmark and ThredUp are popular choices. On Poshmark, you can create listings with photos and descriptions of your clothing. Once your item sells, you ship it to the buyer. ThredUp is more hands-off. You send your clothes to them, and they handle the selling process.
If you prefer selling in person, you can look for local consignment shops or secondhand stores. These places buy gently used clothes and resell them. You might not make as much money as selling online, but it’s fast and super easy.
You can learn more at 16 Best Places To Sell Clothes For Cash.
17. Become a virtual assistant
Becoming a virtual assistant (VA) is a great way to make $400 fast.
Virtual assistants help businesses with tasks they don’t have time for. This can include managing emails, scheduling appointments, and handling social media accounts.
You can set your own hours and work from home, which is one of the best parts of this job. Whether you want to work part-time or full-time, being a VA can give you flexibility.
As you gain experience, you can increase your rates. New VAs might start at $15 to $20 per hour, but experienced VAs can earn much more. You could make up to $50 per hour if you specialize in certain areas, for example.
You can learn more at Best Ways To Find Virtual Assistant Jobs.
18. Rent out your extra space
Renting out your extra space is a great way to make extra money.
If you have a spare room in your house, you can list it on Airbnb. Many people need short-term rentals; you can charge by the night and this can add up quickly. Another way to make money with a spare room is to find a long-term renter. Back when I had spare bedrooms, I would actually rent out each room for $400.
You can even rent out your storage space, a parking spot, and more. A site to start with for this is Neighbor.
19. Donate plasma
Donating plasma is a quick way to make some extra money. You can make around $200 a month by donating regularly. Some centers even have bonuses that can boost your earnings to $400 in your first month.
You can learn more at How To Make Money Donating Plasma.
20. Sell unwanted gift cards
Have gift cards you don’t plan to use? You can turn them into cash quickly. Many places will buy them from you and pay real money. This is an easy way to make some quick cash.
Some ways to sell gift cards include:
Raise
CardCash
CardSell
Gameflip
GiftCash
21. Join a focus group
Joining a focus group can be a great way to make money quickly. Focus groups pay you for your opinion on products, services, or ads. These groups can be either online or in person. This makes them super flexible for any schedule.
Payment varies a lot, with some focus groups paying around $20 for a quick session, while others can pay up to $400 for more detailed feedback. The amount usually depends on the length and type of study. Even a one-hour session can earn you between $50 and $100.
I once did a focus group that paid me about $400 for just 75 minutes. That’s more than what most focus groups pay, but usually, you can expect to earn between $50 to over $100 per hour. The amount you get paid depends on how long the study is and what it’s about, but there are some studies that pay more.
One focus group company that I recommend is User Interviews. User Interviews recruits participants to answer surveys and share their feedback.
22. Sell video games
Selling video games can be a quick way to make money. If you have games you no longer play, why not turn them into cash?
You can sell your old video games in ways such as:
Decluttr
eBay
Amazon Trade-In
OfferUp
Facebook Marketplace
23. Sell power washing services
Selling power washing services can help you make $400 fast. Many people need their driveways, sidewalks, and houses cleaned.
You’ll need a power washer to get started. You can buy one or rent it from a local store.
You can advertise your services on social media or in your neighborhood and create flyers and business cards to hand out.
You can charge by the hour or by the job. Typical rates can be between $50 and $100 an hour. You can clean a driveway in just a couple of hours, so you can probably easily make $400 in one weekend.
24. Tutor
Tutoring students can be a quick way to make $400. You can help kids with their homework, teach a language, or explain tough subjects like math and science. Many parents are willing to pay good money for someone who can help their children do better in school.
Online tutoring is flexible too because you can set your own hours and work from home. Websites like Tutor.com, Wyzant, and Preply are great places to start.
Tutoring can pay well too. Rates can range from $15 to $60 or more per hour, depending on the subject and your experience (for example, advanced subjects like calculus or test prep can pay even higher rates).
25. Become a freelance writer
Freelance writing is a great way to make $400 fast with an online business. You can write for blogs, websites, magazines, and companies. Since you work for yourself, you get to choose which projects to take on.
Freelance writing pays well and beginners can earn around $50 per article, but as you gain experience, you can charge more. Some experienced writers make over $1,000 per 1000-word article.
I have been a freelance writer for years and I have definitely enjoyed it. It’s a fun online job where you can work from home and choose the subjects you want to write about.
26. Sell stock photos
If you love taking pictures, you can turn that hobby into cash by selling stock photos. Many websites let you upload your images for sale.
Some popular ones include Shutterstock, Adobe Stock, and Depositphotos. People such as businesses, bloggers, and marketers buy these photos for their own use. You can earn money each time someone downloads your photo.
You might not make $400 overnight, but your earnings can add up quickly with enough photos in your portfolio.
You can learn more at 18 Ways To Get Paid To Take Pictures.
27. Rent out your car
Renting out your car can be a simple way to make extra cash. There are many platforms like Turo that let you rent your car to others.
You don’t have to do much. Just list your car, set the price, and wait for renters. These platforms handle insurance and payments, making it easier for you.
I have rented a car while on vacation on Turo several times, and I enjoyed it each time. It is an easy-to-use site!
28. Wash cars
Washing cars is a great way to make quick money.
You can start by selling your car washing services to neighbors, friends, and family. You can also make flyers and put them up around your community to let people know about your business.
29. Participate in a medical study
Participating in a medical study can be a quick way to make $400. Many research studies pay volunteers for medical research.
You can find opportunities in local hospitals, universities, and clinics.
When my husband was younger, he took part in a few medical research studies to help us make extra money. He usually earned about $1,000 for a weekend of his time. These were very in-depth, though, with lots of blood work and needles (so you may want to ask about this if that makes you squeamish).
Recommended reading: 19 Best Places To Find Paid Research Studies
30. Sell furniture
If you have any old furniture lying around, like a couch, coffee table, dresser, or dining set, then you can make quick cash by selling it.
You can start by listing your items or selling to places such as:
Facebook Marketplace
Craigslist
eBay
AptDeco
1stDibs
Consignment shops
OfferUp
Etsy
You can learn more at 15 Best Places To Sell Used Furniture For Cash.
31. Help people move
You can make $400 fast by selling moving services. People always need help moving, whether it’s across town or to a new apartment.
You can start by advertising your services on social media and local websites like Craigslist and by letting your friends and family know you are available too.
You can charge by the hour or by the job. Some movers charge $50 an hour, so you could reach your goal quickly. Make sure you have the necessary tools and equipment, such as a dolly and packing supplies.
32. Drive for a delivery service
Driving for a delivery service is a great way to make some quick cash. There are many gig economy apps like DoorDash, Instacart, Uber Eats, and Grubhub that hire drivers to deliver food and groceries. You can sign up easily and start working in a few days.
You get to pick your own hours, making it a flexible job. This means you can work in the mornings, evenings, or weekends. Plus, you can make between $12 and $20 per hour and often get tips on top of that.
33. Transcribe audio files
Transcribing audio files into text is a good way to make extra money. As a transcriptionist, you listen to audio recordings and type what you hear. This job requires good listening and typing skills.
You don’t need a lot to get started. Just a computer, internet access, and a pair of headphones will do.
Many companies pay per audio hour, not the time it takes you to transcribe. Rates can range from $15 to $30 per audio hour. Once you get the hang of it, you might earn $400 a month.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
10
In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
34. Clean houses
Cleaning houses is a way to make $400 quickly.
People are always looking for help to keep their homes tidy. You can sell your cleaning services to friends, neighbors, or find clients online (you can post an ad on sites like Facebook Marketplace or Craigslist).
You don’t need much to start. Basic cleaning supplies like sponges, sprays, and rags will do, which is great.
You can charge per hour or per job. So, if you charge around $20 to $25 an hour, you can make $400 in just 2 days of work.
35. Sell your wedding dress
One quick way to make some cash is by selling your wedding dress.
You can get a good amount of money, especially if your dress is from a popular designer or in great condition.
There are several websites and stores that buy used wedding dresses. Or, if you want to sell locally, try visiting consignment shops. These stores may take your dress on consignment and pay you when it sells. Or, they might buy it outright, giving you money up front.
36. Do junk removal
Junk removal can be a quick way to make $400. Many people need help getting rid of old furniture, appliances, or just clutter. You don’t need special skills, just some muscle and a vehicle to carry the junk.
You can find work by advertising on websites like Craigslist or Facebook Marketplace. Local community boards are also good places to post your services.
You can charge by the hour or by the job. Many junk removal services charge a minimum fee of around $100 to $150 per load (and go up from there depending on weight and size). With some hard work, it’s possible to reach the $400 mark in a day or two.
37. Host a garage sale
Hosting a garage sale is one of the quickest ways to make $400, especially if you have items you no longer use.
You can start by decluttering your home and picking out things like clothes, toys, furniture, kitchen items, and electronics that are just taking up space. The average household has hundreds of thousands of things (yes, that’s not a typo!), so there’s probably something you can sell.
Once you’ve gathered your items, pick a weekend to host your sale, preferably when the weather is nice. To attract more buyers, advertise your sale on social media, local community boards, and garage sale websites.
You can even team up with neighbors or friends to increase foot traffic. By the end of the weekend, you can easily reach your $400 goal while also clearing out clutter from your home!
Frequently Asked Questions
Below are answers to common questions about how to make $400 fast.
How to make $400 dollars in one day?
You can make $400 in one day by selling more expensive items like old phones, laptops, or collectibles. If you have time to build a business, then you may want to try becoming a freelancer, such as with writing or graphic design.
How to make $400 dollars as a kid?
For kids who want to make $400, you may want to try selling handmade crafts or old toys. Yard work, pet sitting, or babysitting are great ways to earn money quickly too.
Are there any fun ways to earn $400 as an 11-year-old?
Yes, there are fun ways for an 11-year-old to make $400 fast! You can walk dogs, set up a lemonade stand, or sell baked goods. You might also like creating and selling crafts or printables with help from a parent.
How to make $400 a day online?
If you want to learn how to make $400 fast online, then selling items online is usually the fastest. You could list items from around your home, like furniture or old electronics, on Facebook Marketplace and possibly get paid the same day if you find a buyer quickly. If you want to eventually in the future make $400 in a single day online, then you could do things like blogging, freelance writing, and virtual assisting.
How to make $400 in a week?
You can make $400 in a week by selling items on sites like eBay or Facebook Marketplace. You can also look for quick gig jobs (such as on the Craigslist gigs section where they list random odd jobs like handyman gigs), do freelance work, or sell services like tutoring or lawn care.
What can I sell for $400?
You can sell old phones, laptops, furniture, jewelry, or clothes to make $400.
How To Make $400 Fast – Summary
I hope you enjoyed this article on how to make $400 fast.
Making $400 quickly is possible if you have the right plan. You can sell things you don’t need, sell your skills as a freelancer, take online surveys, and more.
There are lots of ways to reach your goal, and it’s important to pick something that works with your schedule and skills.
What do you think is the best way to make $400 fast?
Perhaps the idea of home ownership sounds appealing, but the thought of all the maintenance involved — inside and out — doesn’t sound so great. Dealing with snow removal or tending to your lawn might be the last thing you want to add to your already full plate.
If that resonates, buying a home that has a homeowners association, or HOA, might be the right move. Whether you’re shopping for a condo or a 3-bedroom house in a new development, an HOA could be a valuable thing. These organizations, funded by dues, take care of many of those maintenance responsibilities, run shared facilities (like a pool), and create guidelines (and enforce them) for the community of homeowners.
That said, interacting with an HOA and following its guidelines may not be for everyone. Read on to learn:
• What is an HOA, or homeowners association
• How do HOAs work
• How much are HOA dues
• What are the pros and cons of HOAs
• How will HOA fees impact your costs as a homeowner
What Is an HOA (Homeowners Association)?
An HOA is typically a non-profit volunteer group that manages aspects of homeownership in certain planned unit developments (PUDs), condos, and other housing communities. The HOA collects fees from each member of the community and uses them to handle maintenance duties and amenities. These may include:
• Landscaping and maintenance of walkways and the like
• Pest control
• Maintenance and utilities of shared spaces, such as lounges and pool areas
• Garbage pickup
• Parking
• Security
Another answer to “What is an HOA?” should mention that these associations typically make enforceable rules about the look and feel of the community. There may be guidelines about, say, the size of pets one may own, or the color schemes permissible for a townhome’s exterior. The existence of an HOA will be an important consideration when you are shopping for a place to live and HOA fees need to be built into a homebuyer’s financial plan, just like home loan payments.
Recommended: Condo vs. Townhouse: 9 Major Differences
How Does an HOA Work?
HOAs can be staffed in different ways. They can be run by people owning property within its boundaries, run by a board of directors, or through a similar arrangement, with board designees elected to oversee and enforce HOA rules.
Many HOAs are incorporated, which makes them subject to the laws of the state and may require them to file annual reports with the corporation commission, in order to remain in good standing.
People who purchase properties within an HOA jurisdiction become members of that organization, and they must abide by the rules contained within that organization’s bylaws and Declaration of Covenants, Conditions, and Restrictions (CC&Rs).
HOA rules, fees and restrictions vary. Some bylaws and CC&Rs are strict, while others are looser, typically focusing on how residents must keep properties maintained according to stated specifications. In a planned unit subdivision of single-family homes, for example, rules may include what types of landscaping are permitted, or exterior colors of paint, what kinds of fencing is allowed, and more.
They can include usage rules for common property, such as a pool, and typically outline penalties for rule violations, ranging from forcing a homeowner to comply to fees and, sometimes, litigation.
How Common Are HOAs?
Here are some recent statistics that will help you get an idea of how common HOAs currently are in the U.S.:
• Approximately 75.5 million Americans live in HOAs, cooperatives, or condominium units.
• 30% of all U.S. homeowners live in HOA communities.
• 28.2 million housing units in America are part of HOA communities.
As you see, HOAs are quite popular.
What Is an HOA Fee?
Now that you know a bit about what is a homeowners association, let’s look at those fees they charge. People who buy property in an HOA-governed condo or community usually must pay dues — also known as HOA fees — typically due monthly. These fees help to maintain common areas of buildings, such as lobbies and patios, and perhaps community clubhouses. These fees can cover maintenance on elevators or swimming pools, if applicable, or could be used for landscaping expenses, and so forth. Additional special assessments may be charged for major repairs, such as roof repairs.
Some studies suggest that average HOA fees range from $200 to $400 per month, although they can be as low as $50 and as high as $2,500 or more. It depends on the HOA complex, where it is, what amenities the project maintains, and sometimes on how the individual HOA is managed.
What’s most important when shopping for a new home is that you are clear about what fees would be assessed on your individual unit and whether that fits your budget.
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
When Considering an HOA Property
When considering whether or not to buy a property within a homeowners association, it makes sense to understand what you’d be committing to if you bought this property.
To get an understanding of how the organization operates, you can ask the board of directors if you could read minutes from meetings — if you have a real estate agent, they should be able to help you access records. This may give you a good overview of any challenges the organization is facing, and insights into how solutions are brainstormed and implemented.
Questions to investigate can include:
• What are the HOA fees each month? What do they cover?
• If the fees seem low, does it appear as though enough funds are collected to maintain general areas? What about meeting rooms, the gym, pool area, and so forth?
• If the HOA fees are higher than expected, do they seem excessive for what you’d get in return?
• Are homeowners also being charged special assessments to cover other costs? If so, how often and what are they?
• How many units are not paying their HOA fees? What are the consequences for that? Are penalties being imposed?
• If certain units don’t pay their HOA fees, can these unpaid costs be imposed upon other owners to make up the difference?
• If desired, will you be allowed to sublet your unit? Over what term and with what restrictions?
• Are you allowed to have a pet? If so, what restrictions exist? Ask to read a copy of the CC&Rs which is recorded public information.
• Does pending litigation exist against the HOA? If so, of what type? Does it involve, say, damage to one unit, or does it affect the entire organization?
If you have friends or family members who are part of this HOA, consider asking them what they like about living there, and what they don’t. If you have a friend or family member who owns housing under a different HOA, chat with them as well. Their insights can be valuable in regards to what questions to ask and issues to explore before buying.
You can also review the bylaws, which usually share voting rights of members, budget and assessment rules, meeting requirements, and so forth. Check to see what actions can be taken without a member vote — if they include raising assessments or creating rules, this could have an impact on your buying decision.
Recommended: Mortgage Servicing: Everything You Need to Know
Pros vs Cons of HOAs
There are several benefits of buying a property that’s part of an HOA. Consider these upsides:
• Guidelines to help maintain the look of the community, settle issues, and create harmony among residents.
• Enhanced quality of life and property values.
• Maintenance services so homeowners don’t need to do the work themselves or hire freelance help.
That said, there are also possible drawbacks to being part of an HOA. These can include:
• The cost of the HOAs fees can be prohibitively expensive, and the possibility of assessments can be financially challenging.
• Potentially restrictive guidelines that inhibit your freedom over your property (that is, you may not be allowed to have a certain kind of pet or put in solar panels).
• Those who run the HOA may be volunteers vs. skilled real estate professionals, which could lead to inefficiencies.
Can You Afford to Buy into an HOA?
When shopping for a new home or condo, one key consideration is how much you can afford for a house — with the true cost being more than just principal, interest, and homeowners insurance. If you are considering properties that have HOA charges, it’s vital to factor those in to make sure your budget is manageable.
You’ll need a down payment on the home. There are also property taxes, insurance, closing costs (which can run from 3% to 5% of the home’s cost, paid by the buyer and/or seller according to the contract). And there are expenses other than closing costs such as moving expenses, furniture costs, and more that should be considered as you grapple with how much you can afford.
Plus, you might want to have an emergency fund established for unexpected expenses, whether unanticipated housing repairs, or medical expenses, or something else entirely.
To help you figure out that affordable house payment number, you could check out our mortgage calculator.
Recommended: What Credit Score Is Needed to Buy a House?
What to Know About Mortgages and HOAs
There’s one more wrinkle to the topic of what is a homeowners association and should you buy into one: the impact it may have on securing your mortgage.
When you buy a property that is part of an HOA, you may need additional documentation for your lender. If your bid is accepted, the lender will likely request a homeowners association certification, called an HOA cert for short. This document provides your lender with a snapshot of how the HOA is being run, and may provide information such as:
• How old the project is
• Whether a condominium development was converted from an apartment building or specifically built as condo units
• How many units exist in the project
• How many units are occupied
• How many occupied units are owner occupied and how many are rented to someone else
• How much HOA fees are
• The amount of insurance on the project
If this information is requested, it will likely be reviewed to confirm that this property meets the lender’s loan eligibility guidelines. Because guidelines can vary from lender to lender and loan program to loan program, it makes sense to check with your lender of choice as soon as possible to determine if this financial institution considers your condo to be eligible for financing.
The HOA cert may also be obtained by the escrow/title company and provided to your lender, along with the relevant CC&Rs. This provides insight into any property restrictions and other aspects that may affect a home’s lendability and marketability.
Recommended: Home Loan vs. Mortgage: What You Should Know
The Takeaway
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
Why do HOAs exist?
Homeowners associations exist to manage and maintain common areas, to enforce community rules, and to collect and manage the finances used for community upkeep. Many people who participate in HOAs expect the association to help enhance their property values.
How much are HOA fees?
HOA fees vary widely based on the amenities offered by the development but most people can expect to pay at least $200 to $300 per month.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
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.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.