Home decor is a manifestation of personal style, and 2024’s interior design trends provide even more ways to express your point of view—boldly.
The accent walls and mid-century modern furniture that ruled 2023’s interior design trends aren’t disappearing entirely. But in the upcoming year, we can say goodbye to standard design rules and all-minimal-everything. Embrace clashing patterns, chrome counters, ultra-luxurious materials, and maximalism. Whether that means trading in beige soft sheets for a Barbiecore pink bedding set, or adding bow-adorned wallpaper to your kitchen a lá Sandy Liang, nothing is off-limits in 2024.
Like a fun pair of heels or sparkly party dress, 2024’s home trends are all about embracing creativity and fun. With expert input from interior designers and trend predictors, explore the five most popular interior design trends of 2024 that will help you express your individuality through your space.
2024 Interior Design Trend: Kitschy Kitchens
Oleksandr Shcherban//Getty Images
Gone are the days of clean marble and white walls in the kitchen. In 2024, we can expect to see more personality, color, and spunk in this essential area.
“We’re going to say goodbye to farmhouse kitchens, and hello to Kitschy Kitchens, or what we like to call ‘Kitschens,’” says Pinterest global trends and insight lead Sydney Stanback. “A way that people can tap into this trend is through incorporating thrifted finds, vintage appliances and eye-jarring pops of paint into their kitchen designs and cooking areas.”
2024 Interior Design Trend: Plenty of Patterns
Harrison Eastwood//Getty Images
Clean white walls are on their way out. “Having languished in the realm of neutrality for what feels like an eternity, we’ve witnessed the rise and subsequent demise of farmhouse, mid-century modern, and the all-encompassing minimalism craze. The universal aesthetic is teetering on the edge of ‘been there, done that,’” says Danielle Walish, Havely’s VP of merchandising and product design. “People are craving homes with character, personality, and a bit of oomph–a bold departure from the subdued styling that has held sway for too long.” Now, it’s time for a pattern on pattern (on pattern) renaissance.
“We’re not just talking about a small print here and there,” Walish elaborates. “It’s all about mixing it up–upholstery, textiles, wallpaper and beyond. From classic stripes to whimsical florals, modern motifs to organic botanicals. It’s all about making a statement.”
2024 Interior Design Trend: Master Metals
First chrome metallics came for statement earrings, then they came for home interiors. In 2024, metallic hues will enter living spaces in a new, big way.
“A trend that we’ve been seeing pop up recently, specifically within the fashion space–thanks to a certain very iconic artist who was on tour this summer–is cool silver tones. And cool silver tones and bold chrome will continue to grow in 2024, but will also evolve into the home category,” Pinterest’s Stanbuck says. “People trade in their trusty neutrals for something a bit more hardcore. We especially see that Gen Z and Millennials on Pinterest are driving this heavy metal aesthetic.” Aluminum accents are a shortcut to bring the shiny trend into home decor.
2024 Interior Design Trend: Saturated Spaces
asbe//Getty Images
Whether you want a pop of pink or a moody sitting room, 2024 is all about accessorizing with color. “From rich blacks and sultry navies to more lively hues of blues, greens, and even pinks, the color trends of 2024 advocate for a daring approach,” says Havenly design editor Heather Goerzen. “Excitingly, we’re observing a refreshing pushback against the ubiquitous all-white aesthetic. Whether through the application of monochromatic paints or the embrace of deep, saturated color schemes, color in all its glorious shades is reclaiming the spotlight.”
The expert notes that the trend manifests everywhere from painted alcoves and striking wallpapers to deep wood tones and evocative upholstery. “If ever there was a moment to unleash your color perspective,” Goerzen says, “it’s now.”
Quiet luxury was never just about fashion; it also crept into the home. “A year ago, everything, everywhere, was light-washed oak, calacutta marble, and matte accents,” Havenly VP of creative and design Shelby Girard reflects. “At first, this felt like such a refreshing scene–it was simultaneously calm and inspiring, collected and effortless. However, with such widespread adoption, particularly with new builds, the aesthetic began to feel a little…expected.” That’s why, in 2024, we’re seeing a return to luxurious materials of yore.
“As traditional design is once again taking center stage, we’ve seen a backlash against the usual materials and a desire to seek out elements that in and of themselves are more unique, dramatic, and notable,” Girard explains. “Think richly veined marbles in a range of striking colors, lush velvets with added dimension, crystal chandeliers for a hint of glamour, dark wood tones that speak to heritage, and un-lacquered hardware for a lovely patina.”
Why trust Harper’s Bazaar?
For more than 150 years, Harper’s Bazaar has been the preeminent fashion, beauty, and lifestyle resource for women at every age. We cover what’s new and what’s next in home by working with the world’s leading authorities in interior and architectural design, textiles, and more. Every story we publish has been thoroughly researched and vetted by our team of editors and industry experts.
Tatjana Freund is Hearst’s Fashion & Luxury Commerce Editor, covering beauty, fashion and more across multiple brands. Previously, she worked at ELLE.com and Marie Claire. She’s a fan of whiskey neat, podcasts that give her nightmares, and one time Zoë Kravitz laughed at a joke she made.
We’ve ridden the waves of 1970s revivals, wall-to-wall carpeting, the rise and fall of the Ultrafragola, and bouclé upholstery. When we type “interior design trends 2024” into our crystal balls (or indeed, into Google) what are we likely to find? AD PRO consulted the experts, and 2024 promises to be a year of thoughtfully chosen offbeat colors, a mix-and-match approach to the designs of different time periods, and a return to romanticism, with jewel tones and florals offering a flirty, old-fashioned respite from the onward march of technology.
Stone Fruit Chic: Peach and Apricot
Soft, sweet, and just a bit tart, peach and apricot are the dominant hues in the home trends color forecasts for 2024. Pantone declared Peach Fuzz its color of the year, and Leatrice Eiseman, executive director of the Pantone Color Institute describes it as “a color radiant with warmth and modern elegance.” Gemma Riberti, head of interiors at trend forecasting agency WGSN, notes that her team has had its eyes on orange. In particular, they note its emergence as “a recharging near-bright in the wellness sector” and as a vivacious alternative to traditional pastels. WGSN’s color of 2024, Apricot Crush, “can be easily paired with neutrals and naturals, and is suitable for textiles, glass, bath, and bedroom products” Riberti says, “but you can also work it to create intriguing narratives: offset it with greens, purples, and blues for vibrant contrast.”
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Arrow
The classic technique of selecting chromatic bedfellows from opposite sides of the color wheel is also in Champalimaud Design’s toolkit. Principal Courtney Brannan tells AD PRO that when it comes to interior design trends in 2024, “we are seeing all the possibilities of peach and turquoise tones.” Though these shades have a tropical feel to them, they “can also feel neutral,” she says. Case in point: “At the Ritz-Carlton, Grand Cayman, turquoise creates an amplifying, formal statement surrounding the Silver Palm Bar.” Meanwhile, in New York City’s West Village, an apartment’s peach plaster wall “has a much more understated presence, calmly backgrounding the artful living space around it.”
That’s So Metal
It’s back to the essential elements (literally) for home decor trends in 2024: chrome, steel, and aluminum are suddenly everywhere. Pinterest Predicts 2024 includes a “Hot Metals” board with a distinctly surrealist aesthetic—gleaming surfaces that resemble the shiny sinew of liquid mercury.
David Michon, author of the Substack newsletter For Scale, thinks this is a natural consequence of the early-2020s overload of earth tones. “The desperate search for some kind of warmth in this cold world has exhausted ‘earthy’ browns and ‘meditative’ grays,” he notes. But don’t be too quick to write off these metallic finishes as industrial: “The many stainless-steel explorations of Milan’s Concorde, Harry Nuriev, or Tejumola Butler Adenuga show us that, in fact, steel simply reflects.” In general, says Michon, these metals amplify whatever vibe a room is already giving. With one notable exception: “stainless-steel appliances, which remain overrated.”
House of Hunt founder Holly Hunt concurs, but with a slightly more muted finish: “I foresee bright aluminums and silver gaining popularity in 2024 after years of gold and black dominating metal hardware and accessories,” she tells AD PRO. “However, I tend to avoid metals that are too shiny and prefer the richness of a brushed chrome or nickel, as they give a more polished and sophisticated look.” Adding to the evidence: Earlier this month, Nifembi Marcus Bello presented an eye-catching suite of cast-aluminum furniture at Design Miami.
Dark and Deep: Jewel Tones
The saturated hues of precious gems are giving the palette of 2024 design trends a sense of velvety mystery. According to Rob Natale, chief of design at Sixpenny, this is thanks in part to the recent dominance of neutrals across interiors. “People are rediscovering color in their homes, which is a welcome shift from the all-neutral palette we’ve seen for several years, and jewel tones are at the forefront of that shift,” he says. “It’s a perfect way to incorporate richness, whether as an accent or as the centerpiece for a space since they create such a strong counterpoint to almost any look.” (Heeding their own wisdom, Sixpenny is currently selling furnishings in an array of gem-inspired hues.)
With 2024 right around the corner, it’s time to look ahead at home decor trend forecasts so you can bring fresh new details into your home.
That’s why “Good Morning America” lifestyle contributor Lori Bergamotto took an in-depth look at the best ways to test out some of these trends for yourself before you decide to dive in with larger investment pieces.
Using resources like Apartment Therapy, Pinterest, Domino Magazine and Architectural Digest, Bergamotto uncovered fantastic ideas for small interior facelifts that utilize trends like scalloped edges, kitschy kitchens and chrome details to liven up your house.
Keep scrolling to find everything you need to give your home a new look!
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Scalloped detail
Apartment therapy reports wavy, scalloped edges are a great way to participate in the “pattern-meets-silhouette” trend for the coming year. While many household items tend to have straight edges — think towels, tables, etc. — these details soften the edges in a room and, with items like this natural jute rug or dainty sheet set, offer an easy way to try out the trend before potentially committing to a larger piece down the line.
Shubhlaxmifashion Scallop Pattern Natural Jute Bohemian Area Rug Hand Woven Reversible 2′ x 3′
Pottery Barn
LoveShackFancy Embroidered Scallop Sheet Set
$99 to $179
Pottery Barn
Kitsch’en
According to Pinterest, kitchens are gaining steam as the star room of the home, with eclectic kitchen decor taking collective precedence and leaping 50% in online searches over the past few months.
Domino Magazine predicts the No. 1 way to express this trend will be through the kitsch: the campy, eccentric design concept that has taken a backseat to more minimalistic homes over the past several years. Searches for the term are up 75%, meaning 2024 will see the return of colorful, funky touches throughout the home.
A low-stakes way to incorporate kitsch is with kitchenware! These Anthropologie plates are adorable, affordable and would provide the perfect backdrop for any retro dishes you have bookmarked and are ready to try — Bergamotto recommends Baked Alaska.
Anthropologie
Adley Glass Dessert Plates, Set of 4
Anthropologie
Anthropologie
Nathalie Lete Heritage Dinner Plate
Anthropologie
Corduroy
The trendsetting, trade-only High Point Market was reportedly rife with corduroy accents for this year, a move that was echoed by Architectural Digest’s claim that the fabric is going to be a mainstay for 2024. While couches were the piece du jour at High Point, replacing your furniture yearly is not exactly a convenient way to experiment with the trend!
Try these beautiful throw pillows instead. They come in 33 colors and cost under $15 each.
Home Brilliant Cream Pillow Covers, 18inch x 18inch
Chrome
Another prediction from Architectural Digest is chrome, a simple way to add “smooth surfaces that shimmer so the vibe isn’t sterile” to your abode. While it works beautifully in large-scale pieces, try it in smaller doses with this fun mushroom lamp or accent table to add some edge to any room.
EdensDECOR Silver Mushroom Decor Table Lamp
Deco 79 Aluminum Tray Inspired Top Accent Table with 3 Tripod Legs, 16″ x 16″ x 25″ Silver
Vintage and handmade marketplace Etsy named denim décor one of its trend predictions for 2024.
Etsy reports that there are currently more than 16,000 denim home décor listings on the platform, including wall art, denim upholstered furniture and area rugs, and it expects the number to grow in 2024. Many sellers recycle denim to make their products, spanning Christmas stockings made from repurposed jeans, baskets woven with the seams of jeans to patchwork foot stools made from fabric scraps.
“From throw pillows to quilts to placemats, denim will be making its way from our closets to our living spaces in 2024. This timeless and durable textile lends itself to a laid-back, lived-in aesthetic that channels the ’70s, and provides the same sense of comfort as your favorite pair of jeans,” Etsy stated.
Though denim lends itself well to crafters, several major denim brands have dabbled in home décor. In 2021, when homebound consumers were buying fewer jeans, Wrangler teamed with Pottery Barn Teen and Levi’s linked with Target for limited-edition home collections.
Other brands have entered long-term partnerships. Denim-turned-lifestyle retailer Gap sells home décor through Walmart. In August, True Religion entered into a licensing agreement with Envogue to produce True Religion-branded line will include bedding, decorative pillows, bath towels, kitchen linens and more.
The presence of denim in living spaces is one example of how the gap between fashion and home décor is shrinking.
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Etsy reported that the growing trend of “romanticizing life” to escape uncertain times will filter into home and apparel in 2024. “This year’s top trend predictions indicate that consumers are craving the comfort of a little extra sweetness in their daily rituals, as they elevate life’s simple pleasures and create moments of beauty to savor each day,” Etsy stated.
The marketplace’s color of the year—Berry—reflects this sweet and romantic mood. Described as a grown-up version of 2023’s Barbiecore pink craze, Etsy reports seeing the rich color gain momentum for bed linens, wall art, knitwear, jewelry and more.
The romance theme is magnified in Romancecore, a trend that Etsy combines silk, satin and sheer fabrics with feminine details like lace, ruffles and bows—a motif that also topped Pinterest’s forecast for the new year.
On Etsy, searches for sheer clothing have increased 38 times in the last three months compared to the same time the previous year and searches for satin slip dresses have increased by over 10 times.
Classic footwear with a retro vibe is part of the trend as well. Searches for ballet flats have increased 162 percent, while searches for mesh Mary Janes have grown 240 times over.
That interest in vintage is inspiring Etsy shoppers to build custom charm jewelry. The marketplace has a 33 percent increase in searches for charm bracelets and a 26 percent increase in searches for charm necklaces.
“From heirloom vintage gold and silver charms to more contemporary, quirky, and colorful pieces meant to be collected and stacked, this trend marks a return to the art of storytelling through personal accessories and a desire for items that carry sentimental value,” Etsy stated.
Barrel handbags are on the horizon as well. Compact yet roomy and versatile, the duffel-like handbag is set to overtake the baguette bag, which Etsy has seen a 13 percent decline in searches in the last three months.
“The revival of this versatile style signals that shoppers are leaning into practicality while embracing new shapes—the more interesting, the better,” Etsy stated.
“The stockings were hung by the chimney with care…”
Typically, you hang them on the mantle above the fireplace so that when Santa comes down the chimney, he can easily spot them to fill with gifts. But where do you hang stockings without a fireplace? This is a common conundrum for many renters.
Apartments don’t always have a fireplace, which isn’t an issue until the holidays when you’re trying to figure out how to hang your Christmas stockings. Luckily, it’s not really a problem at all! There are several other creative ways to hang your stockings without a fireplace in your apartment where Santa can still easily find them.
1. Stocking holder
Probably the easiest way to hang your stockings is from a stocking holder. These standalone metal or wooden holders are pretty inexpensive and come in lots of fun shapes and sizes.
Or, if you don’t feel like buying a stand specifically for stockings, you can also use a standalone coat rack by your front door. Place it in your living room against a wall near your tree to complete your holiday décor look, thanks to DIY stocking holders!
2. Curtain rod
Source: shareanddoubled.blogspot.com
Add some festive flair to your curtains for the month by hanging your stockings on the rod. Be wary of how much you (or Santa) plan to stuff them, but otherwise, this a great place for them. Working with things you already have in your space makes it easy!
3. Wooden ladder ideas
A small wooden ladder is not only a great décor piece on its own, but it can also hold your stockings. It’s super simple — all you need to do is rest the ladder against the wall, then use string or wire to put the stockings on the different rungs.
This rustic look can stay in your home all year long. When it’s not the holidays, you can use it to hold blankets or plants or just as a simple piece of décor.
4. Hang Christmas stockings on a string
Source: Pinterest
You can also find a spot on a shelf or just on the wall for string, where you can hang your stockings. Just tie a piece of string or ribbon between two spots and voila! You’ve got a place to hang them.
Once the string is up, decorate a few clothes pins to secure your stockings to the string. This is super easy to do and will give a similar look to hanging them from a mantle.
5. Knobs of a drawer or cabinets
Source: Pinterest
Another way of hanging Christmas stockings by utilizing furniture or cabinets you likely already have is to use their knobs. This is a nuisance if it’s a drawer or cabinet you open and close daily, but if you happen to have knobs on something you don’t use every day, this is a cute way to decorate and bring a little Christmas or holiday cheer into places you might not normally have it — like the kitchen or a home office desk.
6. Bedpost or bed frame
Source: pinecornsandacorn.com
Santa can still find your stockings if they’re in the bedroom. Bring some of the holiday spirit into your room by hanging your stockings on your bedpost or from the foot of your bed frame.
You can also take the opportunity to decorate your bed frame even more by adding garland and other decorations so your stocking doesn’t feel lonely.
7. Display Christmas stockings on a bookcase
Source: Pinterest
Especially if you’re a book-lover, hanging stockings from a bookcase (or a bookshelf) can not only look cute, but helps your personality shine through. And you’ll get to look at two things you love at the same time — because who doesn’t love books AND holiday stockings all in the same place?
8. Show off your holiday spirit on the stair rail
Source: Pinterest
If you have stair rails, or any type of railing, in your rental, you can dress it up with your stockings. After all, there’s not much else you can do with your rails. You can easily tie stockings onto open places in the railing with string or craft wire and it won’t leave any damage behind!
And if you don’t want the string you use to hang them up to be visible, you can just hide it by wrapping a garland or festive ribbon around the rails and posts.
9. Windows
Source: Pinterest
You can make your stockings visible from both the inside and the outside by hanging them in your window. Depending on the type of window you have, use craft wire to attach it to part of the window frame.
Or, you can use hooks with a suction cup on them to place them in any spot on the window — no need to worry about damaging any walls!
10. Command hooks
Source: Pinterest
Thanks to our favorite damage-free hooks, you can hang your stockings from almost any wall in your home. Just grab a few command hooks and attach them to the wall where you want to hang them.
And if you’re worried about the white plastic hooks not looking great with your décor, you can use clear command hooks or try a decorative one.
No fireplace? No problem!
There are so many different creative ways to hang your stockings without a fireplace. So get thinking and find even more new ways to hang your stockings with care. Your space will look as festive as ever with these tips!
Morgen Henderson is a writer who grew up in Utah. She lived in the Dominican Republic for a year and a half, where she was involved in humanitarian service. Some of Morgen’s work has appeared in State of Digital, The Next Scoop and TechPatio. In her free time, she loves to travel, bake, master DIY projects and improve her Spanish skills.
Looking to learn the best ways to make money while you sleep? Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours. In this article, I will show you 19…
Looking to learn the best ways to make money while you sleep?
Do you ever feel worn out from your regular routine and tired of struggling to manage your money? Just picture being able to earn money even when you’re sleeping, without having to work long hours.
In this article, I will show you 19 ways to help you reach financial freedom by earning passive income, such as while you sleep.
Having different ways to make money might seem like something crazy, but with the right plan and some hard work, it can actually happen.
In fact, I earn income all the time while I am sleeping and I love it. Now, that doesn’t mean that it’s easy. Some of the ways below will be harder than others, and they may take up a lot of time still. But, you may be able to earn money throughout the day from the hard work that you put in.
Key Takeaways
There are many ways to make money while you sleep, such as by blogging, selling digital products on Etsy, renting out storage space or real estate, putting your money in a high yield savings account, earning dividends, and more.
Some are easier to start than others – so make sure to think about the pros and cons, such as how much time it may take you or how much money you will need to start (your minimum investment!).
19 Best Ways To Make Money While You Sleep
Below are 19 ways to make money while you’re asleep.
1. Blogging
My favorite way to make money while I’m sleeping is by blogging, and it is a great way to make passive income while you sleep. I have been blogging for many years now (since I started Making Sense of Cents, I’ve made more than $5,000,000 from my blog), and I am able to work and earn money while I am asleep, such as by selling digital products, display advertising, and through affiliate marketing.
This is because readers read my blog posts throughout the day and night, even when I am not working. I have blog posts and advertising on my site, for example, that earn me income throughout the day.
So, what is a blog? A blog is like the article you’re reading now, written and published on a website. It’s basically a collection of written content. You can start a blog about many different topics, such as finance (like my blog!), recipes, family, health, wellness, pets, sports, outdoors, travel, and more.
Other similar ways to make money in your sleep include starting a podcast or a social media account, such as on TikTok or Instagram.
Recommended reading: The 25 Most-Asked Blogging Questions To Get You Started Today
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
2. Affiliate marketing
If you want to learn how to make money overnight (such as when you’re sleeping), then my absolute favorite way is affiliate marketing.
This is one of the main ways I make money on my blog, but you don’t need a blog to do affiliate marketing either. You can do affiliate marketing on Instagram, Facebook, Pinterest, an email list, and more.
Affiliate marketing is when you share products or services from other companies with readers, subscribers, or people that you know. When someone buys through your referral link, you get a commission and earn some money from the company.
Here’s an example: Let’s say you write about a book on your blog and provide a link to it. If someone buys that book through your referral link, you get a commission.
You’ve probably bought things through affiliate marketing many, many times over the years. I definitely have!
Recommended reading: Affiliate Marketing Tips For Bloggers – Free eBook
3. Selling printables
Making and selling printables is another good way to make money without much active effort.
Printables are digital items that people can download and print at home. They can be things like games for a bridal shower, checklists for grocery shopping, planners for managing budgets, invitations, coloring pages, quotes designed to be printed and hung on walls, and more.
I buy printables all the time, and so do other people. In fact, I bought a printable the other day for my daughter – one that would help her learn the alphabet that I could print out at home for her.
Making printables can be a passive way to earn money. You only need to make one digital file for each product, and you can sell it as many times as you want. All you need is a laptop or computer and an internet connection, which makes it a low cost way to start a business.
Recommended reading: How I Make Money Selling Printables On Etsy
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
4. Investing in real estate
Investing in real estate is a popular way to make passive cash flow while you sleep.
By purchasing rental properties, you can earn a steady flow of rental income from tenants and guests. Also, your property’s value will most likely appreciate over time, which can increase your net worth.
You can invest in residential properties, commercial real estate, short-term rentals (such as starting an Airbnb), REITs (real estate investment trusts), and more. There are pros and cons of each, so you will want to think about that before you get started.
Recommended reading:
5. Starting a YouTube channel
Starting a YouTube channel is another way to make money while you sleep. This is because you can add affiliate links to your videos, generate ad revenue, form brand sponsorships, and sell products within videos as well.
You’ll need to create videos that entertain, educate, or inform viewers, and get as many views to your videos as you can (for the most part, more page views usually does mean more income).
As your YouTube content becomes more popular, you will earn passive income from past videos while working on new content.
Recommended reading: How I Grew From 0 Subscribers To Over $100,000 On YouTube In Less Than One Year
6. Dropshipping
Dropshipping is a type of business where you sell items on an online store, but you don’t do the shipping. Instead, you have a supplier that does the shipping for you.
So, this means that you don’t need to keep any products in stock yourself.
That doesn’t mean that this is easy, though – you have to find trustworthy suppliers and make sure your customers get their orders on time. You will also need to create a website, find a way to differentiate yourself from other dropshippers, take pictures of the items you are selling, answer customer questions, and find ways to grow your store.
The types of items that you can sell in a dropshipping store include clothing, electronics, home decor, pet supplies, luggage, stationary, craft supplies, books, and more.
7. Online courses
I have made over $2,000,000 from selling courses over the years – courses that I have personally created.
Making and selling online courses is a great way to earn money at any time of the day – even while sleeping.
Some examples of courses that can be created include:
Parenting and family
Health and wellness
Woodworking
Dog training
Standardized tests preparation
Playing the guitar
Teaching a language
Traveling
Painting
Cooking
And so much more!
I have taken courses on all sorts of topics over the years, such as baby sleep classes, personal finance, credit card rewards, and so much more.
Creating an online course is one of the fastest ways to use your time, increase your earnings, and help more people.
Recommended reading: How I’ve Made Over $1,000,000 From My First Course Without a Big Launch
8. High yield savings accounts
A high yield bank account is a low-risk method to make extra cash while you sleep.
These types of savings accounts earn a higher interest rate than a regular savings account, so your money grows faster.
You will want to make sure that you pick a trustworthy bank and check the interest rates regularly because they can go up or down. Some people move their money into high yield savings accounts often so that they can get the highest interest rates.
Remember, these accounts usually over the long run have lower interest rates compared to stocks or real estate, but they give you a stable and secure way to earn money.
I personally use Marcus by Goldman Sachs as they have a very high rate. You can get up to 5.40% at the time of this writing through a referral link bonus. According to this high yield savings account calculator, if you have $10,000 saved, you could earn $540 with a high yield savings account in a year. Whereas with normal banks, your earnings would only be $46.
9. Dividends
Buying stocks that pay dividends is another way to earn money while sleeping.
When you invest in these stocks, you get a portion of the company’s earnings on a regular basis.
Here’s how dividends work: If you have shares of a company that gives you money because you own them, that’s called a dividend. So, if you own 10 shares of Company XYZ, and they give you $5 in dividends every year, you’ll get $50 in total for that year. Usually, companies give out dividends four times a year. In the example, the $5 they give you every year will likely be divided into $1.25 for each quarter (four times a year).
Recommended reading: What Are Dividends & How Do They Work? A Beginner’s Guide
10. Rent out your garage
If you have extra land or space in your home that you’re not using, you can make money by letting other people use it for storage.
You can rent storage space for things like cars, boats, boxes, and more. This could be your garage, driveway, closet, basement, attic, or even just a shelf.
A website where you can list your storage space is Neighbor. On this site, you can make between $100 and $400 or more every month. How much you earn depends on how much people in your area want to rent and what kind of space you’re renting out.
Recommended reading: Neighbor Review: Make Money Renting Your Storage Space
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You can use this website to list your unused space for rent and make up to $15,000 per year by doing so. With Neighbor, you can rent out your garage, driveway, basement, parking lot, shed, warehouse, carport, attic, street parking, or even a closet.
11. Hosting webinars
Webinars are like online classes or workshops about specific subjects (I’ve included a list below of some examples). If you’re an expert in something, you can record a webinar and charge people to attend or sell products and services related to the topic during the webinar.
You can also record your webinars and let people watch them whenever they want, which can bring in money while you are sleeping or on vacation.
For example, you could host a webinar about:
Starting an e-commerce store – Teach participants the ins and outs of setting up and running a successful online store.
Digital marketing strategies for small businesses – You could share online marketing techniques to help businesses grow their online presence, such as tips for TikTok, Instagram, Pinterest, Google SEO, and more.
Stock market investing for beginners – You could share advice and tips for newbies in the world of stocks, mutual funds, index funds, bonds, S&P, and investment portfolios.
How to make money with affiliate marketing – You could teach the strategies behind successful affiliate marketing sites.
How to invest in fine wine – Or, any other type of investment! If there is something specialized that you invest in that is different from normal, you may be able to generate interest in your webinar.
And so much more.
12. Peer-to-peer lending
Peer-to-peer (P2P) lending is when you lend money to people or businesses who need loans, and they pay you back with interest.
Websites like LendingClub and Prosper let you spread out your money to lots of borrowers, which lowers the risk if someone can’t pay you back.
As borrowers make their payments, you get a part of the interest, which adds to your passive income streams that you can make without working.
With a peer-to-peer lending site, people can borrow money from a group of lenders like you and me, rather than from a traditional financial institution like a bank. People use peer-to-peer lending sites for all sorts of reasons such as debt consolidation, home improvement, small business financing, investment opportunities, and more.
13. Selling stock images and graphics
If you like taking pictures, you can make money in your sleep by selling stock images on websites like Shutterstock, Getty Images, or Adobe Stock.
People buy stock images for all sorts of reasons, such as to put on their website, within articles and blog posts, on social media, and more. I buy stock images all the time because they can help to make a blog post more enjoyable to read (you can find several stock images within this blog post, in fact).
A great thing about stock content websites is that they can bring in money even when you’re not actively working. You take pictures, put them on the site, and they can keep making money for a long time.
Some common types of pictures that you can sell include travel, business, people, food, animals, health, fashion, sports, and more.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
14. Start a membership site
Creating a membership site where people pay a regular fee (such as each month or each year) for special content, resources, or services is a way to make money.
Some examples of membership sites that you can start include:
Stock image library – You can sell a collection of pictures or videos that subscribers can use for their own projects (such as their own business). Subscribers pay for access to this media library. I personally have been paying for a stock photo membership for years, and I think they are amazingly helpful.
Newsletter – Send valuable and special content straight to your subscribers’ email inboxes regularly where you charge a subscription fee for access.
Mastermind groups – You can form small, focused groups of individuals who come together to support and challenge each other in achieving their goals, and you charge a membership fee for participation. I have seen mastermind groups go for anywhere from free to tens of thousands of dollars a year to participate.
Freelance job board – You can start a site where freelancers can find real job listings and opportunities. Members pay for access to these job listings because they want to find real jobs that pay (instead of having to weed through fake ads or low paying ones).
Consulting or coaching services – You can give personalized advice, coaching sessions, or access to a private community for members looking for guidance in a specific area, like life coaching or business consulting.
Fitness membership – You can create a platform with workout plans, meal plans, and wellness tips. Members pay a monthly fee for access to this content.
Digital downloads library – You can create a library of downloadable resources like ebooks, templates, or software. Subscribers gain access by becoming members.
Community forum – You could create a community around a shared interest or hobby where members can engage in discussions, ask questions, and share experiences, and you charge a fee for access.
Online courses membership – You can start a platform where you have courses on a specific subject, like photography, cooking, or digital marketing, where subscribers then pay a monthly fee to access the content.
Keep in mind, the secret to a successful membership site is giving real benefits to your subscribers. So, whether it’s great content, a helpful community, or useful resources, make sure your members feel like they’re getting what they paid for so that they keep their subscription for months and years to come.
15. Sleep studies and mattress testing
Taking part in sleep studies and mattress testing will most likely not be a long-term, reliable source of income, but it can earn you some extra money while you literally sleep.
You can find these by researching local sleep clinics or mattress companies that have paid studies or testing. Many universities also pay for sleep studies, such as the Harvard Division of Sleep Medicine.
The amount of money you can make depends on the specific study or testing, but it can be an interesting way to earn some extra money or get a free mattress for your time.
16. Vending machine business
Running a vending machine business can be a good way to make money, and you can sell different kinds of products. You may be able to earn over $1,000 a month with a well-run vending machine business.
Here are some ideas of what you can sell in a vending machine:
Snacks and drinks:
Chips
Candy
Nuts and seeds
Cookies
Soda
Bottled water
Energy drinks
Juices
Healthy and organic food:
Granola bars
Dried fruits
Nut mixes
Organic snacks
Low-calorie drinks
Hot drinks:
Coffee (regular, decaf, specialty)
Tea
Hot chocolate
Frozen treats:
Ice cream
Frozen yogurt
Popsicles
Fresh food:
Sandwiches (pre-packaged)
Salads (in sealed containers)
Fruit cups
Yogurt parfaits
Personal care and hygiene items:
Tampons and pads
Toothbrushes and toothpaste
Hand sanitizer
Makeup
Vitamins and supplements
First aid kits
Pain relievers
Electronics and accessories:
Phone chargers
Headphones
Power banks
Office and school supplies:
Notebooks
Pens and pencils
Sticky notes
USB drives
Specialized items:
Fishing bait and supplies
Beauty and skincare products
Baby items (diapers, wipes, toys, snacks)
Recommended reading: How I Make $7,000 Monthly With A Vending Machine Business
17. Amazon FBA
Amazon FBA (Fulfillment by Amazon) is where sellers store products in Amazon’s fulfillment centers, and Amazon handles customer shipping, returns, and customer service on the seller’s behalf. By using FBA, you can sell a variety of products without worrying about storing inventory or handling shipping logistics.
You would be finding the products to sell, though. Even if you have no experience selling on Amazon, you can earn money selling household goods, toys, books, electronics, and so on.
If you want to learn more about starting an Amazon business, I recommend signing up for this free training that will teach you how to sell products on Amazon and make $100 to $500 per day.
Recommended reading: How To Work From Home Selling On Amazon FBA
18. Write a book
People can buy books at any time of the day, including while you are sleeping.
Self-publishing online platforms, such as Amazon KDP (Amazon’s Kindle Direct Publishing platform), allow you to reach a broad audience without the need for a traditional publisher.
Writing your own book is a great way to make money from home, and there is probably something helpful that you could write about (even if you think otherwise!). One very popular topic right now is romance novels, in fact.
Recommended reading: How Alyssa is making $200 a DAY in book sales passively
19. Develop and sell an app
If you have technical skills, developing and selling an app can be a way to make money overnight while you are sleeping.
Creating your own app, whether it’s a helpful tool, a fun game, or something else, can help you to make passive income.
Even though it will take some work and money up front, once your app is in the app stores, it can generate revenue no matter the time.
Some ideas for apps that you could create include a budgeting tracker, meal planner, fitness tracker, meditation app, travel itinerary planner, and more.
You will want to do some research, and make sure that there are people who want to use the app that you are thinking about creating, of course. You could start brainstorming ideas by thinking about what kind of app you think could be helpful in your life to have.
Frequently Asked Questions On How To Make Money While You Sleep
Below are answers to common questions on how to make money while you sleep.
What is passive income?
Passive income is money you earn without actively working, and instead, it comes from investments, businesses, or assets that require minimal effort on your part. Now, that doesn’t mean that making passive income is easy, as you will most likely have to put in a lot of work in the beginning to get started. But, it can be well worth it to make money at any time of the day. Passive income is personally my absolute favorite way to make money.
Which businesses make income overnight? What businesses make money while you sleep?
A few businesses that can generate income even when you’re not actively working are online stores, affiliate marketing websites, and selling printables. These businesses run online, making them accessible to customers 24/7 so people can use them.
What did Warren Buffett say about making money while you sleep?
Warren Buffett, a successful investor and businessman, is quoted as saying, “If you don’t find a way to make money while you sleep, you will work until you die.” This goes to show how important it is to find ways to make money without constantly working a regular 9-to-5 job.
What is the best way to make money while you sleep? – Summary
I hope you enjoyed this article on how to make money while sleeping. As you can see, there are many full-time jobs and side hustles to make money while you sleep such as:
Blogging
Affiliate marketing
Selling printables
Investing in real estate
Starting a YouTube channel
Dropshipping
Selling online courses
Putting your money in high yield savings accounts
Dividends
Rent out your garage
Hosting webinars
Peer-to-peer lending
Selling stock images
Start a membership site
Sleep studies and mattress testing
Vending machine business
Amazon FBA
Write a book
Develop and sell an app
Do you want to learn how to make money while you sleep?
Wondering how to get paid for Amazon reviews? Everyone has heard of Amazon, but did you know that you can actually get paid to write reviews on Amazon products too? More and more companies want to know what people think about their products, especially with online shopping becoming so popular. Amazon, the biggest online store…
Wondering how to get paid for Amazon reviews?
Everyone has heard of Amazon, but did you know that you can actually get paid to write reviews on Amazon products too?
More and more companies want to know what people think about their products, especially with online shopping becoming so popular. Amazon, the biggest online store in the world, is a place where people really care about what you think.
Getting paid to write reviews on Amazon products is a way to earn some extra money while telling others about things you’ve actually tried. While there are certain rules and programs you might need to follow for some methods, it’s totally doable to make money by giving helpful feedback to other people who shop online.
Key Takeaways
Earning money by writing Amazon reviews is a way to share experiences and potentially make some extra cash.
Reviewers must adhere to specific guidelines and programs when participating in paid Amazon review opportunities, such as disclosing that you are writing a paid review.
How To Get Paid For Amazon Reviews
Do you really get paid for Amazon reviews?
Yes, you can really get paid for Amazon reviews – either through cash or free Amazon products. This is because companies want to see real reviews from real people to see what they can improve on.
Companies also know that one of the first things that people do before buying something is read the reviews – so having more reviews is helpful.
7 Ways To Get Paid For Amazon Reviews
There are several legit ways to earn money or receive free products for Amazon reviews. Below, I will explore several methods that you can try in order to get paid for reviewing Amazon products.
1. Answer surveys
One of the easiest ways to get started is with surveys.
You can get paid for your opinions on Amazon products by answering online surveys.
Companies use surveys all the time to learn what their current and potential customers think of their products, services, and company.
While you wouldn’t be writing a review on Amazon, instead, you could be giving your opinion on products that are sold on Amazon.
The best online survey sites include:
2. Start a blog where you review Amazon products
Creating a blog where you review Amazon products is another way to earn money.
You can monetize your blog through advertising, sponsored posts, affiliate marketing, and more. As your blog gains popularity, you may also receive free products from companies for review.
On your blog, you can write reviews for Amazon products. You would include Amazon affiliate links on your reviews, and earn money when someone purchases a product through your review.
For example, you could write a review on your blog about a children’s toy that you like. You would then include an affiliate link to this toy within your blog post. If someone purchases the toy through your blog post, then you can earn a commission.
This is all done through the Amazon Associates Affiliate Program. This is where you would get your affiliate links and it’s what allows you to earn a commission on sales you generate through your unique affiliate links. If you have a platform where you review or recommend Amazon products, this is a great way to earn additional income.
I recommend signing up for How To Start A Blog FREE Course.
3. Amazon Vine program
The Amazon Vine program is an invitation-only review program for Amazon’s most trusted reviewers.
This is done directly through Amazon.
As a Vine Voice, you will get free products in exchange for your honest feedback.
To become a Vine Voice, you will have to consistently write truthful and helpful reviews on Amazon, and then eventually you may get an invitation from Amazon Vine. So, whenever you buy something off Amazon, you should review it to increase your chances of getting an invitation.
Amazon Vine reviews are marked with a special badge “Vine Customer Review of Free Product” for full transparency.
Before you start writing reviews on Amazon, it’s important to understand their rules for reviews. If you don’t follow these rules, your reviews might be taken down, or in more serious cases, your account could be suspended.
Here are some important things to remember when you’re writing a review:
Your review should be based on your personal experience with the product.
Don’t include any advertisements, promotional materials, or external URLs in your review.
Avoid posting about delivery or customer service issues; instead, focus on the product.
Never exchange a review for payment, free products, or discounts from sellers without properly disclosing so.
As you continue to write honest and quality Amazon reviews, you may notice an increase in your helpful votes, boosting your Amazon profile. Providing unbiased reviews establishes your credibility, which may lead to more opportunities within the Amazon community and eventually an invite into the Amazon Vine program.
4. Social media influencer
Being a social media influencer is another way to write reviews for Amazon and get paid.
Brands partner with influencers all the time, giving free products or monetary compensation in exchange for honest reviews or promotion on social media platforms like Facebook, Instagram, TikTok, Pinterest, YouTube channel, and Twitter.
This can be done in multiple ways such as:
The Amazon Influencer Program allows social media influencers with a large following to earn a commission on products they recommend through Amazon. You can share referral links through this program within social media posts, reviews, and more.
Creating an Amazon storefront is another way that you can make income through Amazon’s affiliate program as a social media influencer. With your storefront, you can showcase your favorite products or create a curated list of items you’ve reviewed, earning a commission on any sales made through your store.
While you wouldn’t be posting reviews directly on Amazon sales pages as a social media influencer, you would be reviewing products on your social media accounts.
5. Become a book reviewer
Book reviewing is a popular way to receive free books and get paid for your opinion. You can write reviews on your own blog, on social media, or on websites like Goodreads. Some publishers may also send you free copies of their books in exchange for a review, and some websites may even pay you.
Now, you wouldn’t be writing reviews directly on Amazon, but you would be writing reviews for books that are sold on Amazon.
Authors and publishers often give away free copies of their books to get honest reviews. This is because readers, just like us, like to know what others think before investing a lot of time in a book.
These websites are not just looking for good reviews. They want to know your real thoughts and opinions.
Some book review websites to look into include:
Online Book Club
Kirkus Reviews
The US Review of Books
Publishers Weekly
You can learn more at 16 Best Ways To Get Paid To Read Books.
6. AMZDiscover
AMZDiscover is a site that connects Amazon reviewers with sellers looking for honest reviews.
AMZDiscover is mainly for Amazon sellers. However, it’s also a good place for getting free products. This is because sellers go to AMZDiscover to find people who can review their products.
After signing up, you’ll get notifications for free or discounted products in exchange for leaving a review on Amazon.
7. BrandBacker
BrandBacker is a site that connects influencers with brands looking for promotion and reviews on Amazon or other platforms.
Through BrandBacker, you can receive products for free or at a discounted price in exchange for reviewing or promoting them on your platform.
After you sign up, you will log in and have a dashboard that lists all of the available Amazon review opportunities for you. Then, you can apply to the campaigns that you are most interested in. Brands then review applications and if you are chosen, you will then get to review the product.
Steps and tips for writing Amazon reviews
Whether you are looking to make a full-time income reviewing Amazon products or if you are only looking for a side hustle, below are my tips for writing Amazon reviews.
Disclose that you are getting paid
It’s really important to be up front with everyone when you’re getting paid for a review on Amazon products as this helps to keep your credibility and trustworthiness intact. Plus, no one likes to buy a product only to realize that the review was fake.
Whether you are getting paid with money or with free products, you should disclose this in your paid reviews on Amazon products.
Just make sure to put a clear statement at the start of your review, saying that you got paid or got a free product in exchange for your honest thoughts.
Actually use the product
Before writing a review, make sure you have actually used or tested the product yourself. This allows you to write a real and detailed description of your experience, making your review more helpful for someone who is looking to possibly buy the product.
Be honest about the pros and cons
When writing an Amazon product review, be honest about both the positives and negatives of the product. Your goal is to help shoppers make a smart decision, so it’s important to provide a balanced and unbiased review. You may want to talk about the features you liked, but don’t hesitate to discuss any issues that you didn’t like as well. This helps your readers get a complete picture of what to expect and shows that you are a reliable source of information.
Add pictures or videos
To make your review even more helpful, you may want to add pictures or videos of you using the product. This allows readers to see the product in action and can help support your review about its features, advantages, or drawbacks. For example, if you are reviewing a life jacket, then you may want to take a picture of you wearing the life jacket as this can help to show the quality, fit, and more.
Recommended reading: Affiliate Marketing Tips For Bloggers – Free eBook
Frequently Asked Questions About Getting Paid For Amazon Reviews
Below are answers to common questions about how to get paid for Amazon reviews.
Is it illegal to get paid for Amazon reviews?
It is not illegal to write Amazon reviews. However, you should always disclose when you are getting paid for a review, as that is the law.
You should write honest reviews and avoid being deceptive. When you’re writing a review, the most important thing is to give useful information to other people who might buy the product. If you start taking money for writing reviews that aren’t honest or are tricky, it can really make people doubt if they can trust what you say. So, always focus on being real and helpful.
How do you become an Amazon product tester?
To become an Amazon product tester, you can begin by writing honest and detailed reviews for products you’ve already purchased right on Amazon. By regularly leaving reviews, you are telling Amazon that you are interested in writing quality reviews. Eventually, you may receive an invite to Amazon’s product reviewer program, Amazon Vine.
What is the Amazon Vine program? How do I join Amazon Vine as a reviewer? What is the process to get invited to Amazon Vine?
The Amazon Vine program is an invitation-only review program by Amazon. To join the program, you need to consistently post helpful reviews on the Amazon website. Amazon then identifies top reviewers and invites them to become Vine Voices. As a Vine Voice, you can request free products to review. There is no application process; just consistently write high-quality reviews to increase your chances of getting invited.
Are paid book reviews on Amazon legit?
Getting paid for reviewing books on Amazon can sometimes look suspicious because it might make people think you’re not being completely honest. However, there are some services and websites that offer legitimate paid opportunities for book reviewing, as long as they follow Amazon’s rules. It’s really important to make sure that any paid book-reviewing opportunities you take are in line with Amazon’s guidelines and always focus on being honest and clear about your opinions. This way, you can build trust with your readers.
What is the earning potential as an Amazon reviewer?
The amount that you can earn as an Amazon reviewer varies. If you run your own business as a blogger or social media influencer, then there is no limit to how much money you can make – instead, it depends on your reach and your strategy.
But, for other platforms like Amazon Vine, you are not making money. Instead, you are getting the Amazon product for free.
How To Get Paid For Amazon Reviews – Summary
I hope you enjoyed this article on ways to get paid for Amazon reviews.
As you can see, there are many options if you want to learn how to write reviews for Amazon and get free stuff as well as get paid.
From starting a full-time business to something that you simply do in your spare time, to get free stuff from Amazon (or even a discount), there is probably something on the list above that will interest you.
Remember, it’s not just about writing positive reviews everywhere – you want your reviews to be helpful and for them to include your honest opinion! Think about what you would like to see in a review to help you get started.
Do you have any other questions about how to get paid for Amazon reviews?
Inside: Tight on time or money? One of these mini savings challenge printables is perfect for you. With these free printables, you’ll be able to save more money in no time.
The concept of a mini savings challenge is all about making money-saving a fun and engaging process. It breaks down your broader financial goals into manageable, short-term targets that cumulatively will help you reach your long-term objectives.
Around here at Money Bliss, we are known for having the best money saving challenges. While they are super popular on Pinterest and Google, what matters the most to us is that people are actually using them and their lives are changing.
So, if that is what you are looking for, then you are in the right place.
We know that the personal savings rate is dipping into the lowest range since 2007-2008 financial crisis around 3.4%.1 That is alarming because many people are one step away from not being financially stable.
Let’s dig into those mini saving challenges to make an impact in your financial life.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Why is a Savings Challenge Beneficial?
A savings challenge, while enjoyable, serves a more significant purpose. It instills a sense of financial discipline and allows you to visualize tangible results.
By making saving a fun and rewarding game, you’re more likely to stay committed and motivated.
This is why my money saving challenges are so helpful for thousands of my readers.
How this Mini Challenge Works?
Mini savings challenges work on the principle of small, regular savings resulting in significant sums over time.
By following a set rule – such as saving a particular amount every week, or matching a specific spending habit with a savings deposit – these challenges make it easy and fun to grow your savings without feeling overwhelmed.
Popular Mini Savings Challenge to Save Money
I love that I am known as an expert in helping people save money. The reason is simple – I love a good challenge.
If you have the right mindset, then you can save money on your income.
1. $300 Mini Saving Challenge
Many of us dream about having a comfortable savings account, but it’s often easier said than done. However, with the $300 Mini Saving Challenge, you can start building that financial safety net one step at a time. This challenge aims to help you stow away $300 and note slight improvements in your spending habits.
The $300 Mini Saving Challenge works by asking you to save a small amount each day. The goal is to gradually increase the daily savings, making it less burdensome and more achievable to hit your target of $300. This challenge is perfect for beginners who are apprehensive about taking on substantial financial commitments all at once but still want to cultivate good money-saving habits.
Expert Tip: Utilize a savings tracker, whether it’s a traditional paper-and-pencil method or a digital app, to keep track of your progress.
Raisin
Simply select one of the high-yield savings products offered by their network of federally insured banks and credit unions to begin your savings journey.
You can open a free Raisin account in just a few minutes!
Compare Rates
2. $500 Mini Saving Challenge
Learning how to teach yourself to save is one of the hardest things for my readers to do. So, they love these easy milestone challenges
This $500 mini savings challenge is a simple yet effective strategy to begin accumulating a substantial nest egg. This challenge requires you to systematically set aside a predefined amount each day, week, or month, consistently working toward a $500 goal.
Expert Tip: For the $500 Mini Saving Challenge, set a weekly savings goal and commit to reducing unnecessary expenses to manage and accumulate your targeted amount effectively.
3. 10 Week Saving Challenge
Kick-start your savings journey with an invigorating 10-week savings challenge. This feasible initiative can boost your bank balance and cultivate a savings habit.
As James Clear states in his famous bestselling book, Atomic Habits, it takes 21 days to build a new habit.
The challenge will triple your dedication as you will be setting aside a predetermined sum each week for ten weeks. The amounts could steadily increase to enhance the yielded savings.
Week 1 – Save $10
Week 2 – Save $15
Week 3 – Save $20
Week 4 – Save $25
Week 5 – Save $30
Week 6 – Save $35
Week 7 – Save $40
Week 8 – Save $45
Week 9 – Save $50
Week 10 – Save $55
By the end of your 10-week tenure, you will have amassed a handsome total of $325! This challenge is particularly beneficial for beginners who are striving to enforce a strict savings regimen.
Then, you can move on to our popular 52 week money saving challenge and choose the proper amount for you.
Expert Tip: Use a calendar or a mobile application to track your savings and keep you motivated throughout the challenge.
4. Mini Birthday Fund
Like a little surprise gift to yourself, the Mini Birthday Fund Challenge is for those who want to ensure they have a little extra cash to celebrate their special day in style. This delightful savings plan can be started at any time of the year, but the closer to your birthday, the more urgent the catch-up.
The plan is intuitive. Choose a monthly savings goal—say, $20—and diligently tuck away that amount every week or month until your birthday arrives. Then, voila! You have a mini birthday fund to splurge on a rewarding gift or experience gift for you. My personal favorite is spa time!
This is self-care and financial discipline bundled into one smart package.
Expert Tip: You can modify the amount you need to save and the total you need to save.
Our Top Pick
CIT Bank
Hailed for its competitive APY rates and digital ease of use, GOBankingRates named CIT as one of the Best Online Banks for 2022.
Earn one of the nation’s top rates.
Pros:
Daily compounding interest.
No account opening or maintenance fees.
Your deposits are FDIC insured.
Deposit checks remotely.
Make transfers with the CIT Bank mobile app.
5. The Penny Challenge
The Penny Challenge further simplifies savings. Plus you will be AMAZED at how much you can save with this simple penny challenge.
Every day you will save one more penny than the day before, yes, just one more penny. That will equal $667.95 in a year.
You can collect all the pennies you acquire and store them in a jar. Once your jar fills up or you hit your 365 days, deposit the pennies into your savings account.
Note: Though the denomination is small, you’ll be surprised at how much you can amass over time. Remember that every penny counts!
6. 365-Day Nickel-Saving Challenge
The 365-Day Nickel-Saving Challenge is perfect for those who like a daily commitment. Start on day one with a deposit of $0.05, and each following day, add a nickel to the previous day’s savings.
By day 365, you will deposit $18.25, accumulating a total of $3339.75 for the year. It’s a manageable and rewarding way to save.
7. The Dime Challenge
The Dime Challenge is similar to the Penny Challenge but uses dimes instead. Though the denomination is small, you’ll be surprised at how much you can amass over time.
Each day you will save ten cents or a dime more than the previous day, by the end of the year, you will save $6,679.50.
Day 1 – Save $0.10, Day 2 – Save $0.20, Day 3 – Save $0.30, and continue for 365 days
Collect all your dimes in a jar, and when it fills up, deposit them in your savings.
10X Effect: This challenge can help you save more money, more quickly than the Penny Challenge because dimes are worth ten times as much as pennies.
8. Dollar Savings Challenge
The $1 Savings Challenge is all about setting aside every single $1 bill that comes your way.
This is a great challenge if you use the cash envelope method for budgeting.
Even if you do this for just three months, you can save up to $1,000. It’s simple — every time you find a $1 bill, put it in your savings jar. This method makes saving money entertaining and gratifying.
9. The $5 Challenge
The $5 Challenge is similar to the $1 Challenge, with just a slight increase in the amount. It involves saving every $5 bill you come across.
Once again, better for those who use cash. But, you still can transfer $5 at intermittent increments to a separate online savings account.
The money saved from this challenge depends on how often you use cash and the duration of your challenge. It’s a doable and straightforward approach to savings.
Raisin
Simply select one of the high-yield savings products offered by their network of federally insured banks and credit unions to begin your savings journey.
You can open a free Raisin account in just a few minutes!
Compare Rates
10. 25 Envelopes Challenge
Another popular choice is the 25 Envelope Challenge which is a simpler version of the 100 Envelope Challenge. You get 25 envelopes, number them from 1-25, and each day, choose an envelope at random and put in an amount equivalent to the envelope number.
By the end of the challenge, you will save $325 in less than a month.
This challenge makes saving money unpredictable and exciting, leading to substantial savings over time. Next, you can try the 50 envelope challenge.
11. The Spare Change Challenge
The Spare Change Challenge involves saving all your loose change in a jar or piggy bank. Once the container fills up, deposit the savings into your bank account.
You’ll be surprised at how quickly the change adds up! However, this challenge works best for those who frequently use cash.
Tip: Don’t be afraid to pick up spare change on the ground!
Our Top Pick
CIT Bank
Hailed for its competitive APY rates and digital ease of use, GOBankingRates named CIT as one of the Best Online Banks for 2022.
Earn one of the nation’s top rates.
Pros:
Daily compounding interest.
No account opening or maintenance fees.
Your deposits are FDIC insured.
Deposit checks remotely.
Make transfers with the CIT Bank mobile app.
12. Round Up Savings Challenge
The Round Up Savings Challenge is best suited for card users. Whenever you make a purchase, round the figure to the nearest dollar and deposit the difference into savings.
For instance, if you spend $17.50, round it up to $18 and save the remaining 50 cents. It may seem small but will accumulate over time.
Go Digital: You can easily do this with the Acorns app.
13. No-Spend Challenge
The No-Spend Challenge encourages participants to avoid spending any extra money beyond the essentials for a set time. This involves taking a “financial fast,” where any non-essential spending is put on hold.
As such, this is one of my personal favorites, especially for those new to budgeting. It really helped me grasp what I truly needed to spend money on and what I didn’t. The same is true for all of my readers. The savings from this challenge can be substantial.
You can tailor the time frame to your own liking — try a no-spend day, week, or even month. Learn more about the no spend challenge.
14. No Eating Out Challenge
A no eating out challenge serves as an excellent tool to realize your spending habits as it eliminates the often overlooked cost of frequently dining out, enabling you to save more than expected. Right now, the average person spends $166 per month with most average costs in the $10-20 range.2
Combating your habit of eating out can lead to considerable savings, hence the No Eating Out Challenge. Under this challenge, you commit to avoiding restaurants, takeaway, and delivery for a set period, typically a month. The money saved from not dining out is then transferred into your savings, leading to substantial amounts over time.
This challenge makes you conscious of your expenditure and allows you to understand the significant amount you can accumulate over a period, promoting better spending habits.
15. The Spending “Swear Jar” or “Bad Habit” Challenge
Implementing a swear jar or a ‘bad habit’ jar can serve multiple purposes effectively. Not only does it stimulate the accumulation of savings, but it also aids in the transformation of replacing a bad habit with a good habit.
The rule is simple – each time you indulge in a specified bad spending habit, like making an unplanned purchase, you deposit a set amount (like a dollar) into your “swear jar.” This challenge effectively boosts savings while reducing unwanted expenses.
This is a great tactic to reduce your variable expenses.
Bonus: Savings Percentage Challenge
Last, but not least, my personal favorite! Increasing your Savings Percentage challenge.
The Savings Percentage Challenge urges you to save a fixed percentage of your income, preferably 20% every month. By adjusting the savings percentage to your comfort level, this challenge provides adaptability and the potential for significant savings over time.
To encourage savings as a regular habit, increase your savings percentage by 1% each year or with any pay raises or expense reductions.
See how the saving percentages work.
Tips for Successful Savings Challenge
Tip #1 – Creating Your Savings Goals
Creating specific, measurable, achievable, relevant, and time-bound (SMART) savings goals is the first step to your savings success. Your goals could be anything, ranging from a weekend getaway to creating an emergency fund.
Having clear savings goals keeps you motivated, providing a sense of purpose and direction. Learn more about smart money goal setting.
Tip #2 – Establishing the Savings Timeline
Once you have your savings goal, establish a realistic timeline to achieve it.
If your goal is to save $1000 and you decide to save $100 per month, your timeline will be 10 months.
If you need to save $300 in 30 days, then you must save $10 a day.
Establishing a clear timeline helps you organize your savings efficiently and remain motivated in your journey.
Tip #3 – Automatic Savings
One area I always stress to my readers is to pay yourself first. This concept is to set money aside first when you get your paycheck.
Then, take it one step further and establish an automatic transfer from your regular account to your special savings fund each pay period or month. This way, you won’t have to remember to make the transfer yourself, and it becomes an out-of-sight, out-of-mind saving habit!
Tip #4 – Staying Motivated through the Challenge
Track your progress visually, say, by coloring a box each time you save is habit-worthy. Keep your progress chart somewhere easily visible. This practice makes tracking fun and keeps you encouraged to save more.
Our free resource library of printables is full of possible money saving challenge ideas!
Staying motivated throughout your savings journey is crucial. Plus, watching your savings grow over time can be incredibly satisfying.
Tip #5 – Adjust your mindset for Improved Savings
Achieving your savings goals is truly a mindset game. Instead of seeing savings as a subtraction from your income, adjust your mindset to view it as paying yourself first.
Moreover, remember not to beat yourself up over occasional slip-ups. Continue to focus on your goal and celebrate small achievements.
Every dollar saved gets you one step closer to your goal.
Extending the Mini Savings Challenge – What’s Next?
Once you have completed a mini savings challenge, take your saving habit to the next level. Assess your financial situation and savings goal to determine new challenges.
You could consider higher-value monetary challenges or extend the challenge’s duration. Remember, consistent saving habits can greatly impact your long-term financial health.
Maintaining consistency in saving money is a golden key to long-term financial health.
Here are our popular money saving challenges:
Regardless of the amount, the habit of regularly putting money aside significantly contributes to building considerable savings. Remember, it’s not always about how much you save, but how consistently you do it.
Consistently saving, even smaller amounts, can lead to substantial totals over time.
Download the Printable Savings Tracker
To make your savings challenge fun and interactive, download one of our free printable savings trackers. These printable trackers will help you visually track your progress, boosting your motivation.
Every time you save money, color in a box or check it off.
Seeing this visual representation of your savings grow is a fun, rewarding way to track your journey toward your financial goal. Once you reach your goal, start again and keep the momentum going.
**To access these free printable, you must subscribe to my newsletter and you will be emailed the password.**
Frequently Asked Questions (FAQs)
Yes, you can start a savings challenge at any time. There is no specified period or date to begin.
You can choose a day that suits you best and kick off your savings challenge. Remember, the important part is not when you start, but that you start – and consistently save.
Staying committed to your savings plan is primarily about discipline and motivation.
Personally, I visualize my financial goals and stay motivated by celebrating small wins. You can do the same thing.
Also, use a savings tracker to make your progress tangible and fun. Finally, involve family or friends in your savings challenge so you can motivate and encourage each other along the way.
Of the Mini Savings Challenges, Which Will You Try First
Embrace the journey of a savings challenge, enjoying the process just as much as the destination.
This is key to becoming financially stable. It’s not only about reaching your financial goal but also about developing lasting habits of financial discipline and stewardship. These mini savings challenges are a learning experience and remember, no matter the size of your savings, every step is a step in the right direction.
With the help of a mini savings challenge tracker, you can start small yet grow big in savings.
These mini challenges, though small-scale and manageable, can lead to a significant increase in your savings over time. More than that, they encourage the much-needed habit of saving regularly.
Get started on your savings journey, make it enjoyable, and watch your money accumulate over time.
Sources
FRED St. Louis Fed Ecomonic Data. “Personal Saving Rate.” https://fred.stlouisfed.org/series/PSAVERT. Accessed November 8, 2023.
US Foods. “The Diner Dispatch: 2023 American Dining Habits.” https://www.usfoods.com/our-services/business-trends/american-dining-out-habits-2023.html. Accessed November 8, 2023.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Hello! The deals have started. Today, I have created a Black Friday and Cyber Monday roundup of the best deals I have found. The deals below will help you grow via Pinterest, make money blogging, add legal templates to your blog, start your own course, work from home, and more. The resources included here are…
Hello!
The deals have started.
Today, I have created a Black Friday and Cyber Monday roundup of the best deals I have found.
The deals below will help you grow via Pinterest, make money blogging, add legal templates to your blog, start your own course, work from home, and more.
The resources included here are all my favorites!
Note: Most of the deals below end on Monday night, November 27th at 11:59 pm.
Making Sense of Affiliate Marketing – 20% off!
Want to learn how I’ve made over $1,000,000 from affiliate income on my blog? There are over 10,000 students in my course, with great results!
Making Sense of Affiliate Marketing is a step-by-step guide to creating and making money from your own successful affiliate marketing strategy. This course explains all of the ins and outs, so you are never left wondering where to go next when creating and implementing your affiliate marketing strategy.
Here’s one recent testimonial I received:
“I took Michelle’s course at the very beginning of my blogging journey when I knew NOTHING about affiliate marketing. I had no idea how to find affiliate programs, create deep links, cloak links or how to strategically add links to posts and newsletters. Michelle’s course answered all these questions with easy to digest lessons, worksheets, spreadsheets and a workbook. I had my affiliate marketing up-and-running in no time, and five years later, I make about $8,000-$9,000 per month with affiliate marketing. Her course was incredibly helpful and instrumental to me.” – Kristin Hanes, The Wayward Home
You can use coupon code BLACKFRIDAY23 or simply click here to take advantage of this deal on the full payment. It starts today and ends on Monday night (November 27th) at 11:59 pm.
Making Sense of Sponsored Posts – 20% off!
Learn how we made our first blogging income, and how we have earned over $500,000 from sponsored partnerships over the years!
Making Sense of Sponsored Posts is a step-by-step guide to creating and making money from your own successful sponsored partnership strategy. This course explains all the ins and outs of sponsored posts and working with brands.
You can use coupon code BLACKFRIDAY23 or simply click here to take advantage of this deal on the full payment. It starts today and ends on Monday night at 11:59 pm.
Start your blog for $33
Right now, you can start a blog for just around $33 total for 12 months, through Bluehost. You will also receive a free blog domain through my link too.
Simply click here to get the low price + free domain name deal.
Pinterest Traffic Avalanche – 30% off
This is a great course for anyone who wants to learn all about Pinterest and get page views.
You can use coupon code BLACKFRIDAY2023 and simply click here to take advantage of this deal. It starts today and ends on Monday, November 27th at 11:59 pm.
Launch Your Blog Biz – 30% off
This course will teach you how to make your first $1,000 per month blogging.
You’ll learn how to master WordPress, design your blog, create content, get readers to your blog, make money blogging, and more.
You can use coupon code BLACKFRIDAY2023 and simply click here to take advantage of this deal. It starts today and ends on Monday night at 11:59 pm PST.
Six Figure Creator (used to be called Six Figure Blogger) – 30% off
This course will teach you how to earn six figures with your blog from digital products and services.
This is a highly recommended course and I personally know bloggers who have seen success after taking this valuable course.
You can use coupon code BLACKFRIDAY2023 and simply click here to take advantage of this deal. It starts today and ends on Monday night at 11:59 pm PST.
Start an email list with ConvertKit – 30% off their annual Creator Plan
I have been using ConvertKit for years and I highly recommend them.
This Black Friday, they are having their biggest deal of the year.
For any free and monthly plan users, all annual plans up to and including 10,000 subscribers will be 30% off for the first year!
With this special offer and their Creator Plan, you can grow your email list and make income with:
Automated email sequences
Visual automation builder
Newsletters
And more! If you’re ready to finally level up your toolset and invest in yourself, check out how you can get started on the next phase of your journey.
You can click here to learn more about this deal.
Start your own course – Up to 40% off
If you’ve ever thought about creating an online course but need a good reason to start, here’s one: Teachable is having their biggest sale of the year right now. Teachable makes it easy to create and sell online courses, coaching services, membership sites, and digital downloads.
I use Teachable for both of my courses, and I highly recommend using their platform.
Here are the discounts they are offering:
25% off for one year of Basic annual plan – use coupon code MC-BLACKFRIDAY2023-BASIC25
40% off for one year of Pro annual, Pro +, and Business plan – use coupon code MC-BLACKFRIDAY2023-PRO
This deal starts today through Monday, November 27th at 11:59pm ET. Simply click here to take advantage of these Black Friday deals.
Website Legal Templates Bundle – 50% off
I have received so many questions over the years about legal templates, and this is what I recommend using.
With the Website Legal Templates Bundle, you can protect your blog with a Privacy Policy, Terms and Conditions, and Disclosures and Disclaimers.
Simply click here to take advantage of this deal and use coupon code 2023BF50. It starts today and ends on Monday, November 27th at 11:59 pm PST.
Become a Proofreader – 70% off
Proofreading is the process of reviewing and checking a written document to find and correct errors in grammar, spelling, punctuation, and formatting.
Proofreading is an in-demand job where you only need a laptop or tablet, an internet connection, and the skills to get started. Learning how to proofread is a valuable skill that can open doors to a successful work-from-home career. Due to the increasing demand for online content, now is a great time to learn how to proofread.
This is a great price for this course and I don’t know if I’ve ever seen it for 70% off. This course is normally $797 and today it is only $239.10. If you want to become a proofreader, do not miss this!
Starting today through Monday, November 27th at 11:59 PM ET, you can get 70% off General Proofreading (Ignite Plus level). Please click here to get 70% off. Use coupon code BFCM70.
Become a Transcriptionist – 60% off
Transcription is when you turn audio files or video content into a text document.
There are many businesses looking for transcriptionists too – Examples include marketers, authors, filmmakers, academics, speakers, and conferences of all types.
This is an amazing sale on this course. If you want to become a transcriptionist, do not miss this!
Starting today through Monday, November 27th at 11:59 PM ET, you can get 60% off the Transcribe Anywhere courses. Please click here to get 60% off.
Become a Bookkeeper – 40% off
Want to learn how to become a virtual bookkeeper?
Online bookkeeping can be a great way to work from home, and remote bookkeepers are in high demand too. If you’ve been wanting to work from home and want to earn $40,000+ each year, bookkeeping may be perfect for you.
From today through Monday, November 27th, the Black Friday deal on this virtual bookkeeping course is that you can enroll in Bookkeeper Launch Pro and Premier for 40% off (full payment only)!
You can learn more by clicking here (no coupon code need as the discount will be automatically applied to your cart over Black Friday weekend!).
DepositPhotos – Get 100 photos for $39
I just bought this deal and I do every year. DepositPhotos is an affordable place to purchase photos.
Putting pictures in your blog posts is important.
They can help explain your story, break up text to make a blog post easier to read, and you need them for social media too (such as Facebook and Pinterest).
You can click here to check out this deal.
Tip for shopping this holiday season:
There are a few other ways to save this holiday season by using easy cell phone apps! Don’t forget to:
Scan your grocery receipts with Fetch Rewards. Fetch Rewards is a cash back and gift card cell phone app that rewards you for purchases that you’ve already made. With Fetch Rewards, you can earn points by submitting your receipts to the Fetch Rewards app from any grocery store. Yes, ANY! You can sign up for Fetch Rewards here.
Shop with Rakuten and get cash back at online retailers. All you do is click on a store that you want to shop through (they have tons of stores such as Target, Walmart, Best Buy, Kohls, REI, etc.) and shop just like how you normally would shop online and get cash back. Plus, when you sign up through my link and make a qualifying purchase, you receive a free $40 cash sign-up bonus.
Get cash back at gas stations with Upside.I recently downloaded this and it is very easy to use. Upside is a mobile app that helps you find gas stations, groceries, and restaurants where you can earn cash back. You simply sign up for a free account, and then look at the Upside app to find places near you. You can earn up to $0.25/gallon cash back at gas stations, up to 30% back on grocery purchases, and up to 45% back at restaurants. You can check out Upside here to learn more.
I use all three of these apps and recommend them if you are looking for easy ways to save money right now.
Also, I recommend reading How To Save Money During The Holidays (20+ Ways To Save & Make Money!) if you are looking for ways to save money this holiday season.
I hope you enjoyed this list of deals and found something you can use.
How much wealth could you have by maxing out retirement accounts? We show you the numbers.
Everywhere you look, experts are telling you to contribute to your retirement accounts. Whether it’s advice from newspapers, blogs, financial planners, or friends, any advice that is worth taking must include planning for retirement. Why? Because it’s that important!
Over time, setting aside a small portion of your monthly income can mean the difference between living a comfortable retirement and not being able to retire at all. But how much should you put away?
One of the most common rules of thumb is to stick 10% of your income into a retirement account. If you have a work-sponsored plan, like a 401(k), you should always invest enough to at least meet your company match. But again, these numbers are a bare minimum for retirement savings. Why not save more if you can?
While the advice to save for your retirement is certainly sound, few people actually consider what saving more could mean for their future. Why stop at saving 10%? Why not save 15-20%? Heck, what would happen if you got really aggressive? How rich could you be if you actually maxed out your retirement accounts each year? Let’s take a look.
2024 IRS Contribution Limits for 401(k) Plans and IRAs
Every few years, the Internal Revenue Service adjusts the total amount of money that you are allowed to place into your retirement accounts. Contribution limits are going up in 2024, increasing to $23,000 for 401(k) and other workplace retirement plans and $7,000 for IRA and Roth IRA accounts. In addition, the IRS allows taxpayers who are 50 and older to make “catch-up” contributions. In 2024, these allow an additional $7,500 contribution for 401(k) plans and $1,000 for IRAs. We can expect these limits to increase in the future, although it is not certain when that will happen.
Our Assumptions
That being said, we need to make a few assumptions in order to calculate the amount of wealth we can build by maxing out our retirement plans. To begin, we’ll assume that we’re going to be making regular contributions only, so we will not be adding additional money for “catch-up” contributions.
Additionally, we’ll make all of our calculations based on the current contribution limits — $23,000 for 401(k) plans and $7,000 for IRAs. Again, if history repeats itself, those limits will be increased in the future. (We won’t account for that here, though.) Furthermore, we’ll assume that our investments will compound on an annual basis. And, finally, we’ll assume a very conservative growth rate of 5%.
Maxing Out Your 401(k)
Using a free compound interest calculator, let’s take a look at 401(k) plans. First, let’s assume that you are currently saving $4,000 a year in your plan and have been doing so since you were 25 years old. Based on our current set of assumptions, you would end up with just over $500,000 in your retirement account at age 65. Not bad, right?
And had you started saving this much at age 20, you would end up with $670,740 by the time 65 rolled around. Better yet, if you can stick it out for just 5 more years, you’ll end up with $879,261 over a 50-year time period. As you can see, compound interest plays a huge role, especially over the last few years.
Related: The Power of Compound Interest
But, what if you get really aggressive? What if you take a page out of the extreme early retirement book, cut your spending to the bone, and max out your 401(k) account? Here’s what you’ll save:
After 10 Years – $303,756
After 20 Years – $798,542
After 30 Years – $1,604,498
After 40 Years – $2,917,314
After 50 Years – $5,055,754
Amazing, right? By maxing out your 401(k), you could save about $300,000 more in 20 years than you would have saved in 40 with just a $4,000 a month contribution. You’ll have over $5 million more over a 50-year period.
Maxing Out Your IRA
Of course, maxing out a 401(k) plan can seem totally out of reach for most individuals. It’s much more feasible for someone to max out their IRA plan at $7,000 per year. If you did that, here’s an estimate of what you’d end up with:
After 10 Years – $92,447
After 20 Years – $243,034
After 30 Years – $488,325
After 40 Years – $887,878
After 50 Years – $1,538,707
Again, you’ll notice the compound interest coming in strong toward the end. Your savings almost doubled over just the last 10 years. So, the longer you can hang in there, the better off your finances will be.
Maxing Out Both Your 401(k) and IRA Plans
Now, let’s imagine that you have done extremely well for yourself and are able to max out both your 401(k) plan and your IRA. How much wealth can you build then?
After 10 Years – $396,203
After 20 Years – $1,041,577
After 30 Years – $2,092,823
After 40 Years – $3,805,192
After 50 Years – $6,594,461
Obviously, this type of money should provide you with a wonderfully comfortable retirement.
The Takeaway
Remember, these numbers are all for individual investors. Married couples can combine their retirement savings to increase their wealth-building power. So, while saving $23,000 a year by yourself may not be within reach, it could be achievable as a household.
Rather than deflate or discourage you, hopefully, these numbers will motivate you to save as much as you can for as long as you can do it. The power of compounding interest is real, and you can make it work to your advantage. The more you are able to save, the better off you’ll be in retirement.
More so than anything else, these numbers should be a reminder that putting money away for retirement is a long-term proposition. The earlier you start saving, the more success you’ll have. You have to play the long game with your focus firmly set on the future. If you ride the ups and downs of the market, save until it hurts, and remember to be patient, you could end up being extremely wealthy in the end.
Greg Johnson is a writer and entrepreneur who leveraged his online business to quit his 9-5 job, spend more time with his family, and travel the world. As a money nerd, he focuses most of his writing on topics that relate to budgeting, frugality, and investing. With his wife Holly, Greg co-owns two websites: Club Thrifty [http://clubthrifty.com] and Travel Blue Book [http://travelbluebook.com]. Find him on Pinterest and Twitter @ClubThrifty.