Whether you’re dreaming of beaches in the Caribbean or roaming the streets of Paris, one thing’s for sure: Traveling is expensive. Factor in the cost of flights, food, and lodging, and it’s no wonder some people feel like traveling is reserved only for the rich and famous.
The good news? Traveling doesn’t have to break the bank. Saving enough money for your next holiday is totally doable, and it all starts with proper budgeting for travel. With a defined vacation budget and some planning, you could request time off for travel sooner than you think. Here’s how to do it.
How to build a travel fund
Before you start booking plane tickets and buying museum tickets, you’ll need to determine what’s realistic for your current financial state, according to Athena Valentine Lent, author and founder of Money Smart Latina. If this is your first time budgeting for travel, Lent says these three steps can help you get started:
1. Set a savings goal for your trip
Budgeting for travelstarts with identifying where you want to go and calculating the total amount of money you’ll need to cover that trip.
“Decide where you’d like to go, and start from there,” Lent says. “Research the best times to visit your travel destinations, so you can take advantage of any off-peak seasons. If you’re unable to visit during that time, consider another place.”
In addition to researching prices of big-ticket items like airplane tickets, Lent recommends researching all potential expenses to paint an accurate picture of your total cost. “Look into how much you’ll pay for lodging, food, transportation to get there—plus transportation while there—and any other exhibits or bucket items you want to check off while you’re there,” she says.
Vacations can and should include plenty of spontaneity, so Lent recommends giving yourself some extra wiggle room in your travel fund to cover other possible expenses (think: last-minute excursions and souvenirs). As you continue to plan, creating a financial vision board can help you visualize your dream vacation and keep you motivated during your savings journey.
2. Turn one big goal into multiple smaller goals
Once you’ve established how much your trip will cost, determine the amount you need to save on a monthly, bi-weekly, or weekly cadence until you can fully fund your goal, Lent says. For example, if you’ve figured out that you need $1,000 for a trip coming up in five months, you’d want to save $200 a month. Or if you wanted to break it up into even smaller chunks, you could have a savings goal of $50 a week.
Breaking your goal into smaller steps makes it appear more manageable, Lent says. Saving $200 a month feels much more attainable than trying to put away $1,000 all at once. Psychologically, splitting up a large goal into multiple smaller ones gives you a sense of accomplishment every time you cross one of your funding milestones.
3. Keep your travel fund in a separate savings account
There are ways to make your money work harder for you. With a high-yield savings account, you’ll earn a specific percentage of interest on your money, known as an annual percentage yield (APY). That interest is compounded, too, so you’ll grow your savings even faster.
Keeping your travel fund in a separate savings account is another helpful strategy. It can streamline your efforts, making it easier to track progress and know exactly when you’ve reached your goal.
“I love me a high-yield savings account,” Lent says. “The ability to put cash aside into a different account labeled with a goal motivates me to call it ‘my precious’ and protect it. I’m also a firm believer in making your money work for you.”
Tips for keeping your travel fund on track
Making a plan and budgeting for travel is a critical first step, but if you want to make your dream vacation a reality, you’ll need to stay on track. To keep your momentum going, consider these four tips for how to save money for travel:
1. Curb your spending habits
Looking for some low-hanging fruit? Lent says to try reducing nonessential spending first. While that might mean spending less money on things like dining out or new clothes, it doesn’t mean you need to live like a hermit to achieve your financial goal.
“Cutting back on your discretionary spending can seem brutal when all you want to do is live your current lifestyle,” says Lent. “My advice is to cut spending in small amounts at first and then look for cheaper ways to do the things you want to do. As you begin to cut back while still doing the things you love, you won’t be depriving yourself, which makes it easier to stick to your budget.”
2. Take advantage of freebies and discounts
Just because you’re budgeting for travel doesn’t mean you have to give up on fun entirely. These days you can find coupons or discount codes for almost any activity, from festivals and sporting events to restaurants and bars. “For example, if you want to go to a concert, look for it on a group coupon site,” says Lent. “Plan on drinking with friends? Ask your friends to check out a happy hour with you.”
There are also plenty of ways to have fun without spending money. Look no further than your local community for meetup groups, free museum or zoo days, or music nights hosted by your city or town. Depending on where you live, getting out into nature is often free, and many national parks even offer free entry on certain days. Entertaining yourself doesn’t have to be expensive – finding no-cost alternatives will enable you to put even more money away in your travel fund.
3. Hack your way to savings with a cashback credit or debit card
Another way to make your travel dreams come true is to use credit card rewards in a process known as “travel hacking,” Lent says. Some credit card providers will give you points or cash back on a percentage of the money you spend overall or in certain categories like food, travel, or gas. If you want to use these credit card rewards for travel, however, Lent recommends paying off your credit card debt each billing cycle.
Some banks also offer cash back when you spend with your debit card. For example, with Discover® Cashback Debit, you can earn 1% cash back on your debit card purchases1 and put that extra cash toward building up your travel fund.
Earn cash back with your debit card
Discover Bank, Member FDIC
4. Consider a side hustle
If you feel like you’re not making as much headway as you’d like on your travel fund, you might want to explore some side hustle ideas to earn extra income. Side hustles can range from freelance projects on the weekend to driving for a ride-sharing company.
Pursuing a side hustle isn’t for everyone, but if you have the time and ability to take on additional work, Lent says, you can use the extra cash to fund your travels without dipping too much into your primary source of income.
Your next vacation is one travel fund away
Planning a vacation can be intimidating, especially once you start calculating how much everything will cost. But just like any financial goal, saving money for travel is doable if you have a clearly defined budget and stick to your plan.
Take Lent’s advice: If you want to know how to save money for traveling, determine where you want to go, research how much it’ll cost, and break your savings goal into manageable chunks. You’ll be jet-setting off to your next adventure in no time.
If you’re ready to build your travel fund and make your vacation dreams a reality, check out the features of a Discover Online Savings Account to see how it can keep your travel savings safe and growing over time.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.
1 ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
Are you looking for the best game apps to win money? Yes, you can actually play games to win real money on your phone and make extra money. There are lots of apps for both iPhones and Androids that let you do this. If you already spend a lot of time playing games on your…
Are you looking for the best game apps to win money?
Yes, you can actually play games to win real money on your phone and make extra money.
There are lots of apps for both iPhones and Androids that let you do this. If you already spend a lot of time playing games on your phone, then you might as well get paid for it, right?
In this article, I’m going to talk about some really good game apps that let you win actual money prizes. These games include ones like those you might find in a casino as well as easier puzzle games and even arcade style games. So, there’s something for everyone. When you play and collect points or coins, you can get your winnings through easy ways like PayPal and Apple Pay.
Key Takeaways
Playing game apps can be fun and you can even win real money.
The best game apps that pay real money include KashKick, Swagbucks, and InboxDollars.
Popular payout methods include PayPal, Apple Pay, and gift cards.
Game apps pay real money rewards because they make their money from ads and in-app purchases. They give you a portion of their earnings to encourage you to continue playing their games.
Do any game apps actually pay real money?
Yes, some game apps do pay real money or in gift cards. They most likely will never be a main source of income or a full-time job, though – simply just a way to make some extra money.
Why do game apps pay you real money?
Game apps that give out real money usually make money through ads, things you buy in the app, and paid gaming competitions/tournaments. They share a little of what they earn with you to get you to keep playing their games.
Sometimes, game apps have partnered with different game developers and companies so that people will try new games and earn rewards for them. Since the game app is being paid and they want more people to play the game, they then will share some of their earnings with you to get you to keep playing the games in their app.
It’s a win-win! You get to enjoy yourself and make some extra money, and businesses get to showcase their ads and games to a wider audience.
Recommended reading: 30 Best Money Making Apps
Best Game Apps To Win Real Money
Here’s a quick list of the top game apps that pay real cash:
KashKick
Swagbucks
InboxDollars
Below, I dive further into the best game apps to win real money.
1. KashKick
I think the best game app to win real money is KashKick.
KashKick allows you to earn $100 or more by playing popular mobile games like Yahtzee and Monopoly GO. You can also make money by trying new products and services, watching videos, answering surveys, and reading emails.
There are many different games you can play on KashKick such as:
Coin Master
Monopoly GO
Yahtzee
Family Island
Bingo Blitz
Scrabble Go
Solitaire Smash
MGM Slots
For example, here’s how you can make money playing Monopoly Go on KashKick: “Install (make sure to accept tracking requirements on your device!) and reach Board 27 within 8 days from the install date to get $30, reach Board 42 within 12 days for $40 more and reach Board 71 within 24 days for another $50 – for a total of $120!”
Please click here to sign up for KashKick for free.
Recommended reading: KashKick Review
2. Swagbucks
Another favorite game app to win real cash is Swagbucks.
Swagbucks is a very popular rewards site where you can earn money by playing games, taking surveys, watching videos, and shopping online, and you can cash out what you earn with PayPal cash or gift cards.
Swagbucks is a company that I started using years ago, and it has helped me easily earn some extra cash on the side, all from home or while traveling. I have personally earned over 100 free gift cards through Swagbucks, so I know that they are a legit game app that pays you real money!
To play games on Swagbucks, you simply head to the “Play” tab when you are logged in. When I logged in, I had over 20 available games that I could get paid to play, with a total rewards value of $2,264.02 or 226,402 SB points.
Some of the games you can play on Swagbucks include:
Match Masters
Farmville
Lucky Buddies
Dragonscapes Adventure
Wizard of Oz Slots
Solitaire Smash
POP! Slots
Dice Buddies
Swagbucks Live
If you join Swagbucks through my referral link, you can receive a $10 bonus.
Recommended reading: Swagbucks Review
3. InboxDollars
InboxDollars is another good rewards site that pays you cash for taking surveys, shopping online, playing games, and reading certain emails. In fact, InboxDollars has been around since 2000, and they have paid over $80 million in cash and gift cards.
They pay via PayPal cash as well as gift cards to places such as Amazon, Apple, Target, Dunkin’ Donuts, Lowe’s, Barnes & Noble, and Gap.
To play games on InboxDollars, simply head to the tab that says “Games.”
When I log in, I have 8 games available for me to currently play, such as Mahjong Dimensions, Solitaire, Word Wipe, Monkey Bubble Shooter, Pyramid Solitaire, Candy Jam, Pet Hop, and Giant Hamster Run.
Sign up for InboxDollars here and get a free $5 bonus.
4. PrizeRebel
PrizeRebel is a popular rewards site where you can play games (as well as take surveys that pay instantly and more). You can redeem your rewards points for PayPal cash, gift cards, and even cryptocurrency.
Some of the games on PrizeRebel include Bingo Blitz, Solitaire Grand Harvest, Age of Apes, Kingdom Guard, Yahtzee, Woody Sort, Viking Rise, and more.
You can sign up for PrizeRebel here.
5. MyPoints
MyPoints is a rewards platform where you can earn money by playing games, watching videos, and participating in surveys. Your earnings can be redeemed as gift cards or PayPal cash.
To get paid to play games on MyPoints, you log in and head to the “Games” tab, and there you will see games such as Bejeweled, Bingo, Catch 21, Puzzle Match, Wheel of Fortune, and more.
Sign up for MyPoints by clicking here.
6. Blackout Bingo
Blackout Bingo is a highly-rated bingo game app that allows you to win real cash. In fact, there are nearly 90,000 reviews on the App Store alone, with an average of 4.5 out of a 5 star rating.
Over 5,000,000 people have played this bingo app where you can win rewards and cash prizes too.
You play against other players in real time and can cash out your winnings via PayPal.
7. Bingo Cash
Bingo Cash is a fun game of Bingo that you can play for free, and you can play against other people no matter where you are in the world. You get to “travel” to different places in the game and practice your Bingo skills. Plus, you can win really big prizes!
Bingo Cash is a free game that you can play on the popular gaming platform called Papaya.
It’s easy and safe to get your prize money through PayPal. You can choose from lots of cool prizes like Airpods Pro, iPads, and coffee makers!
Note: If you live in AZ, AR, CT, DE, LA, MT, SC, SD, or TN, you can’t join prize tournaments. But don’t worry, you can still play for fun with the game app’s virtual currency.
8. Solitaire Cube
If you like to play solitaire, then this is the game app for you as you can get rewarded for playing just like how you normally do.
Solitaire Cube is a card game app that allows you to test your card skills and win real money. The game is available for free on iOS and Android and is perfect for solitaire fans who want to put their skills to the test.
With this game app, you play against other real players all from your phone. Your rewards can be cashed out for PayPal cash or Apple Pay.
9. Mistplay
Mistplay is one of the most popular game apps to win money, with over 400,000 reviews and an average rating of over 4.1 stars out of 5. There have been over 10,000,000 downloads of this app too!
Mistplay is an app where you can earn money by playing and testing new games on your smartphone. It’s a great option if you enjoy discovering new games and want to make some extra cash.
Mistplay has given away $60,000,000 in rewards for playing games since the site was created too.
You can redeem your points for PayPal cash or gift cards to Visa, Amazon, and more.
Note: This app is currently only available for Android phones on Google Play.
10. Fanduel Fantasy Sports
If you like football, soccer, hockey, baseball, basketball, golf, and other sports, then this is the app for you.
Fanduel Fantasy Sports is a sports betting site where you create your fantasy sports lineup and compete with other players for cash prizes.
With this app, you have a chance to win real money. You simply create your fantasy team, keep an eye on your scores, and compete every day for prizes in lots of different fantasy contests.
Note: Fanduel Fantasy Sports is only open to U.S. residents and users must be 18 or older (19 or older in AL, 21 or older in AZ, IA, LA, MA). Users physically located in DE, ID, HI, MT, NV, and WA are not eligible to participate in paid contests.
11. Cash’em All
If you’re a casual gamer and want to play games in your spare time for a chance to win real cash, give Cash’em All a try.
This app doesn’t bother you with in-app purchases or ad walls. Instead, you earn points, or “coins” as the app calls them, for each second you play their games.
There are many different games that you can play on Cash’em All, such as Candy Crush, Match Masters, Bingo Blitz, Coin Master, and more.
You earn points which then can be exchanged into PayPal cash or gift cards to places such as Netflix, Amazon, and more.
Note: This app is currently only available for Android phones on Google Play.
12. 21 Blitz
21 Blitz is a blackjack and solitaire hybrid card game where you can win real money, and it’s a fun choice for people who like card games. Also, it’s great for practicing blackjack, exercising your brain, or simply having fun.
You can play against real people for free. When you feel ready, you can switch to cash games and have a chance to win real money.
This game is a part of the Skillz platform, which is a popular game app platform where people can win real money through their collection of different games that they have (they have some of the best games to win real money).
13. Pool Payday
Pool Payday is the top pool game app where you can play 1-on-1 pool games and win real cash prizes.
This is a free game app where you can win real money taking pool shots and winning points.
The app is available on iOS devices through the App Store, and you can withdraw your winnings via PayPal cash or Apple Pay.
Note: You can join cash tournaments in most places around the world. However, if you live in AZ, AR, CT, DE, IL, IN, LA, ME, MT, SC, SD, or TN, cash tournaments are not available. But, you can still play for free if you live in these states.
14. Bubble Cash
If you like bubble shooter games, then this is the best bubble shooter game app.
Bubble Cash lets you play against other players in real-time bubble shooter games, with the chance to win cash prizes. Bubble Cash is a bubble shooter game where the more bubbles you pop, the higher your chances of winning.
I know people who spend hours playing these types of games, so this can be a fun way to get rewarded to play a favorite game.
Here’s how to play:
Match three bubbles of the same color to pop and clear the board.
Tap the screen to aim the laser, then lift your finger to shoot the ball.
You can download the app on iOS and Android devices.
15. Solitaire Cash
Solitaire Cash is a card game app where you can play solitaire games for real money.
Once you download the game for free, you can play regular or cash tournaments and have a chance to win real money.
You’ll play against players of similar skill levels, and everyone gets the same deck. So, the game is fair and based on your skills.
The app is available on iOS and Android devices.
16. Rewarded Play
Rewarded Play is an app that pays you for playing games on your phone. If you want to play a variety of games, then this is the app for you.
You can play games such as Scrabble, Yahtzee, Bingo Blitz, Wheel of Fortune, and more.
The way the app works is that they introduce you to new games. Then, the more time you spend playing their games, the more points you can earn. Your points can be redeemed for gift cards to places such as Amazon, Walmart, Target, Nordstrom, and more.
17. Dominoes Gold
Dominoes Gold is one of the best dominoes game apps where you can put your domino skills to the test and win cash prizes.
You play by challenging your opponent in the same games against the computer and see who can win with more points.
The app is available for iOS devices, and you can cash out your winnings via PayPal.
18. AppStation
AppStation is an app that pays you for playing new games on your phone. You can earn coins by trying different games and then redeem them for PayPal cash or gift cards. Games include Fishdom and Match Royal.
Note: Only available for Android users.
19. Jackpocket
Jackpocket is an app that lets you play lottery games and potentially win real cash prizes. You can buy lottery tickets through the app and even be notified if you win. This can be an easy way to play your local lottery games right from your phone.
You can have Powerball, Mega Millions, Cash4Life, and other lottery tickets from NY, NJ, and NH sent directly to your phone.
Just pick your game and numbers (or use Quick Pick), and the app will safely get your ticket from a licensed lottery seller.
If you win less than $600, the money goes directly to your Jackpocket account. For big wins, they make sure to safely deliver you your ticket so that you can redeem your winnings yourself.
20. Cookie Cash
Cookie Cash is a Match 3 puzzle skill game from Papaya Gaming that is for the iPad and iPhone.
With Cookie Cash, you can play as much as you want for free. Then, once you’re ready, you can compete against other players for prizes and real money, such as PayPal cash and Apple Pay.
Note: Cash tournaments are not available in the states of AZ, IA, LA, and SC.
21. Money Well
Money Well has many arcade-style games that you can play to win real money, and this is a very popular game app with over 10,000,000 downloads and an average rating of 4.3 stars out of 5 stars (with over 528,000 reviews!).
You can simply play the games, collect coins, and cash out your earnings for PayPal cash and gift cards to places such as Grubhub and Apple.
22. Bingo Clash
Bingo Clash is a bingo game app from AviaGames with high ratings, and they give real money payouts through PayPal, Apple Pay, Visa, Mastercard, American Express, and Venmo. You can play this game for free and enjoy the competitive nature of real-time bingo.
You’ll play against real players who have similar skills and compete in classic, fun, and fair cash games based on your skills. You can also take part in tournaments with different match styles, and the higher you place, the bigger your prize.
Note: Cash games are not available in the following states of AZ, AR, CT, DE, LA, MT, SC, SD, TN, and VT. But, if you live in one of these states you can still play the game for free.
23. Spades Blitz
Spades Blitz is a card game app where you can win cash earnings by playing and mastering the popular card game of spades.
With Spades Blitz, you compete against real people from around the world in tournaments, where you pay an entry fee to take part.
You can get paid via PayPal cash or check.
Note: The app is available on the App Store and the Galaxy Store. Currently, Spades Blitz is only available for iPhones and Samsung devices.
More Ways To Get Paid To Play Games
There are more ways to get paid to play, other than the game apps listed above. If you like to play games and want to make money, some other ideas to look into include:
Become a Twitch streamer
Twitch is a site where you can make money playing video games, talking, and more.
If you like playing video games, live streaming yourself playing can be a way to make money doing what you love. As you gain followers and subscribers on Twitch, you can earn income through ads shown on your stream, donations from viewers, and monthly subscription fees.
Most Twitch streamers don’t earn a full-time income, but there are some who make well over $100,000 annually. In fact, a few even bring in millions of dollars each year.
To see success on Twitch, I recommend finding ways to keep your audience interested, playing the games that you actually enjoy, and sticking to a regular streaming schedule (because your followers will want to see you consistently!).
You can learn more at How Much Do Twitch Streamers Make?
Play in game tournaments
Playing in gaming tournaments can be a way to make money if you’re really good at a certain game.
Many popular competitive games like Fortnite, League of Legends, and Call of Duty host large-scale tournaments with large prize money.
You’ll need to practice a lot, though, as there are many good players in all games – and you want to be the best in order to actually make some money.
Start a gaming blog
If you love games, then you may be interested in starting a gaming blog.
Starting a gaming blog gives you a platform to share what you know about games, your thoughts on games, and your experiences with other gamers. You can make money from your blog through ways such as affiliate marketing, sponsored content, display ads, or even by selling merchandise.
You can learn more about how to start a blog here.
Become a game creator
If you love gaming and have an interest in design or programming, think about making your own games. Independent game creators can build games for different platforms like PCs, consoles, or even phones.
While a college degree isn’t always required, it can be very helpful. You may want to get a degree in fields like game design, computer science, or graphic design, and also look for courses specific to game design.
First, try finding internships, co-op programs, or beginner-level jobs at companies that make video games. This will give you important experience in the field and let you learn from people who have been doing this for a while.
Sell game merchandise
If there’s a popular game out there, then you may be able to sell merchandise to earn some extra cash.
Some examples of merchandise include T-shirts, posters, or accessories based on popular games.
Of course, you will want to make sure that you can legally do this, as you don’t want to get in trouble for pretending to be a certain game app or anything like that.
My Tips For Playing Game Apps That Pay Real Money
Below are my tips for getting paid to play game apps from your phone.
Be smart about how much time you are spending.
When playing game apps, it can be really, really easy to let time get away from you and play too much (especially if you are a winner!). After all, you are probably having fun and it’s something that you can easily do from your phone.
But, you don’t want to forget about everything else in your life.
You don’t want your game app playing to turn into an obsession (such as with arcade games or trivia games) or into a gambling addiction (as many of the above are similar to casino games).
So, I recommend being careful with any games that require you to pay money (such as to join tournaments) and know your limit. You may want to set a timer for playing and a budget.
You may have to pay taxes.
If you’re winning money from these game apps, then you will need to pay taxes. This means that you will want to save money from any of your winnings for taxes so that you are not surprised at the end of the year with a huge tax bill.
Read real reviews and experience with game apps that pay money.
When you’re trying out different game apps where you win real money, it’s important to read real reviews and experiences. This helps you make a smart choice as reading honest thoughts from other players can give you a clear picture of the app’s pros and cons, how they pay out, how easy they are to play, and if people actually enjoy them.
Some things in game app reviews to look out for include:
If the customer service support is helpful (do they actually answer emails if you have an issue?)
If payments are actually being made and if they are on time (if many people are leaving reviews saying that they are not getting their payments, then you may want to do more research before you start playing games on that specific app)
If the game is fun (of course, this is just an opinion and everyone is different, though)
Keep in mind, while winning real money in gaming apps can be exciting, it’s important to remember that it’s not a full-time job with a full-time income. Always focus on having fun first.
Frequently Asked Questions About Playing Game Apps To Win Money
Below are answers to common questions about playing game apps to win real money.
Which games are best for earning real money? What are some popular real cash games?
There are many game apps that can help you earn real money and some of the top game apps are KashKick, Bingo Cash, Blackout Bingo, Solitaire Cash, and Mistplay. You may want to test a few and see which one is a game that you actually like.
How can I find legit cash games?
To find real cash games that you can trust, you should look for ones that are popular and have good reviews by looking at the Apple Store or Google Play Store to read user ratings and reviews. This can give you a good sense of the game’s legitimacy and whether or not they actually pay out the rewards you earn.
Do any game apps offer instant payouts?
Even if some game apps claim to have instant payouts, the actual time it takes can still vary. Usually, it might range from a few minutes to a couple of days for your rewards to show up in your account.
Are there money-making game apps for iPhones?
Yes, there are several money-making game apps available for iPhone users. Some of the popular ones include Solitaire Cube, 21 Blitz, and Blackout Bingo.
Can I earn money directly to my bank account with game apps?
Certain game apps let you transfer your earnings directly to your bank through direct deposits, while others pay through PayPal, Apple Pay, Amazon gift cards, or other cash rewards.
Game Apps To Win Money – Summary
I hope you enjoyed this article on how to play game apps to win money. As you can see, you have many options!
To sum it up, there are game apps that give real money rewards, and they can be a fun way to spend your time. But remember, they shouldn’t be your main source of income. Think of them as a fun way to make a bit of extra money.
Do you play any game apps to win money? Which one is your favorite?
If there’s one thing that defines Texas, it’s that ‘everything is bigger’ here. From big hair to big oil to sprawling ranches, the old saying may be overused but hasn’t yet been proven wrong.
And this estate is no exception.
Spanning 11.5 acres in a gated pastoral setting, Paradise Point Estate features a 2,769-square-foot main residence, a standalone shipping container guest house, an art studio, AND a massive barn that can host events — plus a long roster of outdoor and indoor amenities.
All this is in the (tranquil) heart of Bastrop County, Texas — well-known for its harmonious blend of rural charm and thoughtful urban development.
Paradise Point Estate in Bastrop County, Texas. Photo credit: Brian Cole Photography courtesy of Compass
The location also places Paradise Point within a 25-minute drive to downtown Austin and Austin-Bergstrom International Airport.
See also: See inside Jensen Ackles’ house in Austin, a dreamy lake-side retreat
The main residence has 3 bedrooms and 2 bathrooms, all adorned with luxury finishes and highlighting architectural details reminiscent of the 18th century — evoking earthy, old-world charm.
Photo credit: Brian Cole Photography courtesy of Compass
The interiors, washed in an all-white tone with vaulted ceilings, vintage tiles, and warm wood accents, provide a perfect backdrop for eclectic decors that incorporate pieces from different periods and styles.
This includes carefully handpicked antique chandeliers and gold mirrors throughout the communal living spaces.
Photo credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of Compass
As Texas as it gets, this modern rustic estate offers vast, unrestricted land in the Lone Star State and comes with an art studio and a long list of recreational amenities.
The grounds include a meditation pavilion, a shooting range, a fire pit, a swimming pool, an RV hookup, raised organic garden beds, a butterfly garden, and a wet-weather creek.
Photo credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of Compass
The expansive compound also includes a dog run, a multi-room chicken coop, and a goat hangout, making it the perfect fit for animal lovers.
The guest quarters are just as impressive, consisting of 2 bedrooms and 1 bathroom artfully designed around a shipping container that opens up to a well-stocked stock pond and a dock surrounded by towering oak trees.
Photo credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of Compass
And if you’re lucky enough to have the future homeowners invite you for a stay, hop on the paddle boat to enjoy uninterrupted country views — there’s plenty to see around.
But what truly steals the show is the massive 1,750-square-foot barn.
Photo credit: Brian Cole Photography courtesy of Compass
This versatile barndominium is fully equipped with a commercial kitchen and can be used for gatherings and events.
Photo credit: Brian Cole Photography courtesy of CompassPhoto credit: Brian Cole Photography courtesy of Compass
Simply put, Paradise Point estate captures the essence of rustic charm and contemporary allure — exemplifying barn living at its finest.
Adding to the appeal, Bastrop County is fast becoming a mecca for tech innovators with the likes of Tesla, Samsung, and SpaceX setting up shop here. This area is also highly sought after by film production companies and creative talent.
The combination of unspoiled countryside and the modern conveniences of nearby urban amenities suggests that investments in the area are likely to be lucrative.
With the vast amount of unrestricted land and endless possibilities for new development, the 11.5-acre property is now on the market for $2,495,000. Monica Fabbio and Jackie Smith with Compass hold the listing.
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In the digital age, the concept of home is being reimagined by the advent of smart technology, transforming everyday living spaces into hubs of convenience, comfort and entertainment. Never has this been so clear as when you take even a cursory tour of the HGTV Smart Home 2023. If you need further evidence of just how expansive this industry is becoming, a study by Grand View Research, Inc. determined that the home automation industry will reach a staggering $444.98 billion by 2030.
Smart home technology, once fodder for dystopian storylines on TV, has evolved into a widely accepted seamless integration of devices and systems that streamline tasks, enhance security and personalize our environment. From the moment you wake to the soft glow of a sunrise simulation to the reassuring click of a smart lock securing your home at night, these intelligent systems work collaboratively to simplify routines, conserve resources and provide peace of mind. Smart home devices not only respond to our immediate commands but also anticipate our needs, learn our preferences and adapt to our lifestyles, offering a bespoke living experience that was once the stuff of science fiction.
Image Source: HGTV
Noteworthy tech in the HGTV Smart Home 2023
Each year, HGTV builds a new, technologically advanced home in a different location within the United States. The contest is typically run as a sweepstakes, where viewers can enter for a chance to win the annual smart home. Entries are usually accepted online through the HGTV website or via mail. The main prize is, of course, the HGTV Smart Home itself, which includes the home, all of its furnishings and the latest home technology. In addition to the home, there are often other prizes, like cash awards or vehicles.
Coolest devices in the 2023 HGTV Smart Home
Laid out below are just a few of the most highly sought-after pieces of smart home tech in this year’s HGTV Smart Home 2023 and their less expensive counterparts.
GE Profile Kitchen hub
The GE Profile Kitchen Hub is a unique and high-tech kitchen appliance from General Electric. It’s designed to serve multiple functions and is geared towards making the kitchen experience more interactive and connected.
Interactive screen: The GE Profile Kitchen Hub features a large touchscreen display that can be used to access recipes, watch videos, control smart home devices and more.
Vent hood: The screen is built into a vent hood, allowing it to sit above your range or cooktop. This design not only provides essential ventilation but also offers a central view for following recipes or watching videos as you cook.
Cameras: The device includes front-facing and downward-facing cameras. The front-facing camera can be used for video calls, while the downward-facing camera is intended to capture your cooking, which can be useful for sharing your culinary adventures on social media or with family.
Integrated apps: The Kitchen Hub comes with a suite of applications designed for the kitchen. These can include recipe apps, music and video streaming services and other smart home integrations.
Connectivity: Being a smart device, the Kitchen Hub connects to your home’s Wi-Fi network. This allows it to pull up recipes, stream content and interact with other smart devices in your home.
U+ Connect: This is GE Appliances’ smart platform that allows various devices to connect and communicate. For example, if you have a GE oven, the Kitchen Hub can interact with it, setting temperatures, timers and more.
Not looking to shell out nearly $1,200 for this type of tech? Consider an Alexa. While not as advanced as the Kitchen Hub, it is still a solid virtual assistant option for the kitchen.
DAKboard Wall Display v2 Plus
DAKboard is a digital wall calendar that integrates with various online calendar services to display your events, tasks, weather and other custom information. The DAKboard Wall Display v2 Plus is one of their products, designed to be a versatile, visually appealing display for personal and professional environments.
Screen: The Wall Display v2 Plus includes a high-resolution screen designed to make texts and images clear and easy to read from a distance.
Customization: DAKboard is known for its highly customizable displays. Users can choose different layouts, fonts and color themes to match their preferences or interior design.
Connectivity: The device connects to Wi-Fi to sync with various online services like Google Calendar, Apple Calendar, Microsoft Outlook and others.
Photo display: Besides showing calendar and weather information, DAKboard devices can cycle through personal photos or artwork, making them a dynamic alternative to traditional picture frames.
Integration: DAKboard devices support integration with various third-party services for weather, to-do lists, news and more.
While the Dakboard Wall Display v2 Plus will run you close to $500, the Skylight Calendar is a solid replacement for around to $200 less.
Image Source: Samsung
Samsung AirDresser Grand
The Samsung AirDresser is an in-home garment refreshing system, which uses air and steam to clean and deodorize clothing. It is part of a new category of home appliances intended to reduce the frequency of traditional washing and dry cleaning.
Jet air and air hangers: The system blasts air to loosen and remove dust from inside and outside your clothes.
Steam cleaning: It uses steam to sanitize clothing, removing bacteria, viruses and allergens.
Deodorization filter: The filter captures and reduces odors, leaving clothes smelling fresh.
Gentle drying: Clothes are dried at a low temperature to reduce the risk of shrinkage and heat damage.
Smart control: Integration with Samsung’s SmartThings ecosystem to monitor and control the device remotely through a smartphone app.
Self-cleaning: An internal system helps to maintain the device by removing scale and residue.
Wrinkle care: The AirDresser can smooth out wrinkles without the need for ironing.
Capacity and design: The AirDresser Grand offers a larger capacity to accommodate more items of clothing and potentially an updated design or premium finish.
Not nearly as fancy as the $1,100 AirDresser Grand, a handheld steamer, like the Conair Turbo EstremeSteam is a great option for quick sanitization and keeping clothes wrinkle-free with ease.
SimpliSafe Wireless Home Security System
SimpliSafe is a company that offers a variety of home security products and services, with an emphasis on ease of installation and use. Their systems are known for being wireless and user-friendly. These systems are typically marketed toward homeowners and renters looking for a quick, easy and effective DIY security solution.
DIY installation: SimpliSafe systems are designed for easy setup without the need for professional installation. The devices can be placed on shelves or adhered to walls without drilling.
Variety of packages: SimpliSafe provides different equipment packages to suit various home sizes and security needs. You can start with a basic set and expand with additional sensors and accessories as needed.
Components: A typical SimpliSafe kit includes a base station, which is the central hub of the system, wireless door and window sensors, motion detectors and a keypad. Additional components might include glass break sensors, smoke detectors, carbon monoxide detectors and panic buttons.
No contract monitoring: SimpliSafe offers optional professional monitoring services on a month-to-month basis, without the need for long-term contracts. This professional monitoring can dispatch emergency services in case of a break-in, fire or other incidents.
Smartphone control: SimpliSafe has an app that allows you to arm and disarm your system, receive alerts and monitor your home from anywhere.
Integration: SimpliSafe systems can integrate with smart home devices and platforms, like Amazon Alexa and Google Assistant, allowing for voice control and other smart home automation.
SimpliCam: They offer an indoor camera called SimpliCam, which can be used to keep an eye on your home while you’re away. It comes with features like motion alerts and the ability to stream live video.
Design: SimpliSafe sensors and devices have a discreet and modern design to blend in with home decor.
Battery and cellular backup: The system is equipped with battery backup to keep your home secure during a power outage, and the professional monitoring service includes cellular backup to maintain communication with the monitoring center if the Wi-Fi goes down.
Environmental protection: SimpliSafe also offers sensors that detect water leaks and freezing temperatures to help prevent environmental damage in your home.
Privacy protection: Features like camera shutters allow customers to control their privacy.
While the Simplisafe wireless home security system is great, it does come at a price, of about $320. If you’re looking to spend a little less, don’t fret, Amazon is full of more affordable DIY wireless security systems.
Moxie Showerhead and Wireless Speaker
The Moxie Showerhead and Wireless Speaker is a product by Kohler, known for combining the functionality of a showerhead with the entertainment feature of a wireless speaker.
Showerhead: It’s designed to provide a full-coverage spray, offering a quality shower experience with good water pressure.
Removable wireless speaker: The center of the showerhead houses a wireless speaker that can be easily detached and used independently. The speaker connects to devices via Bluetooth to play music, podcasts or other audio streams.
Water-resistant: The speaker is designed to be water-resistant, which is essential for any electronic device used in a shower.
Rechargeable battery: The speaker has a built-in rechargeable battery. When fully charged, it supports several hours of playtime.
Magnetic docking: The speaker is held in place with magnets, which makes it simple to detach and reattach to the showerhead.
Harman Kardon sound: Some versions of the Moxie speaker are engineered with sound by Harman Kardon, delivering a high-quality audio experience.
Voice assistant compatibility: Depending on the model, the speaker can sometimes be compatible with voice assistants, which would allow you to control music and other functions with voice commands.
Multiple colors and finishes: The Moxie showerhead may come in a variety of colors and finishes to match different bathroom decors.
Installation: It’s designed to be easy to install, fitting onto a standard shower arm.
For those who enjoy listening to music or podcasts in the shower, the Moxie Showerhead and Wireless Speaker system brings convenience and a bit of luxury to the everyday routine. If you’re looking for the same luxury at a more affordable price, you’re in luck. There are plenty of showerhead speaker combos at all price points on Amazon.
Image Source: Kohler
Anthem Digital Shower Control
The Anthem Digital Shower Control is another Kohler product that provides a high level of personalization and precision for the showering experience. It is designed to provide a user-friendly interface to control various aspects of the shower.
Digital interface: The Anthem Control includes a minimalist display with easy-to-read buttons.
Customizable settings: Users can save their preferred shower settings, making it easy to start the shower with their personalized preferences at the touch of a button.
Multiple outlet controls: The system can control multiple water outlets, allowing users to switch between them or use them simultaneously for a luxurious shower experience.
Smart home integration: Advanced models feature integration with smart home systems, enabling control via voice commands or through smartphone apps.
Easy installation: Even though it is a sophisticated system, companies like Kohler design these controls to be as easy to install as possible, sometimes compatible with existing plumbing.
Safety features: Many digital showers include safety features like automatic shut-off after a certain period or if the water gets too hot, which can prevent scalding.
Energy saving: Some models offer features that help conserve water and energy, aligning with eco-friendly practices.
If you’re after the type of precision temperature control that only a digital display like the Anthem Digital Shower Control can provide, consider the much more streamlined and affordable BLTFAUCER Digital Display. While it doesn’t provide as much customization as the Anthem model, it will allow you to achieve and monitor the exact shower temperature you want.
Elements Hexagon Starter Kit
The Elements Hexagon Starter Kit is a product by Nanoleaf, which is a company known for producing smart lighting solutions that are popular for their modular, geometric design and customizable lighting scenes. The Elements Hexagon Starter Kit is part of Nanoleaf’s Elements line, which focuses on combining smart lighting technology with decor.
Hexagonal panels: These are the core of the product, designed to be attached to form patterns on your wall. They’re hexagon-shaped to allow for a variety of configurations.
Wood look: Unlike the original Nanoleaf light panels, which have a very futuristic look, the Elements line has a more natural wood-like appearance, allowing them to blend into home decor more seamlessly when turned off.
Customizable lighting: Users can customize the illumination of each panel to create scenes or set the ambiance. This can include warm to cool white light settings, designed to mimic natural elements like a fireplace or thunderstorm.
Interactive control: The lights can be controlled via an app, where users can select or design scenes, schedule on/off times and adjust the brightness. They can also respond to touch or sound.
Smart home integration: The kit is compatible with most smart home systems, allowing for voice control.
Rhythm feature: With the rhythm feature, the panels can synchronize with music in real time, creating dynamic light shows in response to the audio they detect.
Simple installation: The panels attach to the wall with adhesive strips, which are included in the starter kit, making for a relatively easy setup without needing to drill holes.
Expandability: The starter kit includes a certain number of panels but can be expanded by purchasing additional expansion packs at any time.
The Elements Hexagon Starter Kit is a great system for incorporating upscale and entirely unique lighting into a space. That said, there are also a ton of customizable hexagon lighting solutions on Amazon for a range of prices.
Smart home. Seamless tech. Smiling faces.
The rise of smart home technology stands as a testament to human ingenuity and the quest for an enhanced quality of life. As we look to the future, the integration of these intelligent systems into our homes continues to evolve, bringing new levels of ease and enjoyment. These devices do more than just perform tasks — they create experiences, foster safe environments, and cultivate moments of joy and relaxation.
In a world where time is precious and personal happiness is paramount, the smart home is less about the gadgets and more about the freedom they afford us — the freedom to spend less time managing our homes and more time savoring the pleasures of life. As we embrace this era of connected living, we find that the true genius of smart home technology lies in its ability to fade into the background, creating a symphony of convenience.
Looking for your own place to add tech to? Whether you want to replicate the HGTV Smart Home 2023 or just add some DIY home automation, the future revolves around tech-forward homes. Check out our available apartments and houses for rent.
Want to learn how to get a free cell phone and even a free monthly phone plan? Cell phones can be expensive, so I get it. From buying the actual phone to paying for the monthly service plan, it can all add up so quickly. Learning how to get free stuff can really help you…
Want to learn how to get a free cell phone and even a free monthly phone plan?
Cell phones can be expensive, so I get it. From buying the actual phone to paying for the monthly service plan, it can all add up so quickly.
Learning how to get free stuff can really help you to save a lot of money.
Luckily, there are ways to get a free cell phone, and there are even affordable cell phone plans for those who need it.
Some of these programs are through the government, while others are given by wireless carriers competing for your business. Government-sponsored programs like the Lifeline program help low-income families stay connected by giving them free cell phones and discounted wireless plans. On the other hand, wireless carriers also give away free things occasionally to try and get new customers to switch to them.
Below, I will be talking about how to get a free cell phone from the government, how to sign up for free monthly cell phone plans, and how to get a phone and service if you don’t qualify for one from the government. Even if you don’t qualify, there are ways to get a cell phone or service for free.
Recommended reading:
Why Are There Free Cell Phones And Plans?
Free phones exist for a few different reasons. Below, I will be talking about free government cell phones specifically. In a further section, I will tell you how you can get a free cell phone if you don’t qualify for a free government cell phone.
Free government phone program
There are free cell phones offered by the U.S. government through two programs – Lifeline and the Affordable Connectivity Program (ACP).
These programs help low-income individuals stay connected, as phone service is important for daily tasks such as finding a job, allowing U.S. residents to call emergency services, and staying in touch with friends and family.
Lifeline and ACP give subsidies to the phone companies, which, in turn, provide free phones and service to eligible customers.
Overall, free government cell phones support the goal of changing lives positively by making sure that even those who don’t have enough money can still have access to a phone.
How to qualify for a free government cell phone
To qualify for a free government cell phone, you need to meet specific eligibility requirements. You may be eligible if:
Your income is at or below 135% of the federal poverty guidelines for Lifeline and 200% for ACP.
You participate in a qualifying federal assistance program such as:
Medicaid
Supplemental Nutrition Assistance Program (SNAP)
Supplemental Security Income (SSI)
Women, Infants, and Children (WIC)
Federal Public Housing Assistance (FPHA)
Veterans Pension and Survivors Benefit
There are also tribal assistance programs. If you live on Tribal lands, you can get Lifeline if your household income is at or below 135% or if you participate in any of the programs listed above, as well as Bureau of Indian Affairs General Assistance, Tribal Head Start, Tribal Temporary Assistance for Needy Families (Tribal TANF), or Food Distribution Program on Indian Reservations Assistance.
Only one ACP or Lifeline benefit is allowed per household (not per person).
Please visit the Lifeline Support website and ACP website to determine your eligibility and apply for the programs. You can also learn more about this on the Federal Communications Commission’s (FCC) website.
What kind of free government cell phone do you get?
If you are eligible for the ACP benefit or the Lifeline program, you may receive a one-time free cell phone from one of the phone companies partnered with the government.
The specific models of phones that you can get may vary, but they are usually basic smartphones and you won’t know the specific device until it is shipped to you in the mail.
Please note that the government doesn’t offer free iPhones as part of either program (but you may be able to get a free iPhone from one of the carriers below for switching to them).
Free government cell phone plans
If you are looking for a free wireless plan or a monthly service discount, there are many options for you.
When looking for a free government cell phone plan, it’s important to consider the options that are available to you. Different providers have their services through government programs like Lifeline and the Affordable Connectivity Program.
When comparing plans, think about factors such as:
Unlimited talk and text
Data allowances and the amount of high speed internet you get
5G or 4G LTE coverage
The specific plans and devices will vary depending on the provider and your location.
Step-by-step to getting a free government cell phone and service
Eligibility – First, you must figure out if your household is eligible for a free government cell phone plan. This usually depends on your household income, and the National Verifier uses data from different databases to determine if you are eligible or you may be required to show documents for proof.
Application – If you qualify, the next step is to apply for a plan. You can usually do this through the phone provider’s website or in person at a local office or retail location, and you will want to make sure you have documentation proving your household income when you apply.
Device selection – Based on availability, you’ll be able to choose your device, such as an Android smartphone or a Samsung Galaxy device. Some plans may offer iPhones or tablets as well, but it’s not as common.
Activate and use your new phone – Once you receive your device, follow the instructions for activating your new phone, and enjoy your new free government cell phone plan and service.
As you can see, getting a free government cell phone plan is a pretty easy process that can save you money.
Best Places To Get A Free Cell Phone And Plan
In this guide, you will learn about the best places to find a free cell phone. Here are the best places that give free phones:
1. Life Wireless
Life Wireless, a participant in the federal Lifeline program, gives free mobile phones and monthly service plans to eligible low-income households.
You can get free unlimited data, talk, text, and even hotspot if you qualify.
To see if you qualify, visit their website and check their eligibility criteria. Once approved, Life Wireless will provide you with a free phone and service plan that suits your needs.
2. TruConnect
TruConnect is another provider that participates in the Lifeline program. They give free smartphones and monthly service plans to qualifying customers.
TruConnect specifically gives out new Android smartphones. Their wireless plans include unlimited talk and text, unlimited monthly data, and unlimited international calling.
To apply, visit the TruConnect website and check if you’re eligible for their services. After verifying your eligibility, you’ll receive a free cell phone along with a monthly plan.
3. Assurance Wireless
Assurance Wireless is an ACP program participant that gives free phones and monthly plans to qualified low-income customers.
You can get free unlimited talk/text as well as 25 GB of high speed data plus 2.5 GB of mobile hotspot data each month on the T-Mobile network.
You can visit the Assurance Wireless website and check if you meet their eligibility criteria. Once approved, they will provide you with a free Android smartphone and a monthly service plan.
4. SafeLink Wireless
SafeLink Wireless, another Lifeline and ACP provider, gives a free cell phone and monthly service to eligible customers.
Their monthly plans come with unlimited data, unlimited talk/text, and 10 GB of hotspot data.
Simply head to the SafeLink Wireless website to determine your eligibility for their services. If you qualify, you’ll receive a free cell phone and a plan.
5. Q Link Wireless
Q Link Wireless is a Lifeline program participant that gives free cell phones and monthly plans to eligible individuals.
Their monthly plans come with unlimited data, unlimited talk/text, and sometimes even a free tablet (ACP subscribers under their network must pay a one-time $10.01 co-pay).
Visit the Q Link website, verify your eligibility, and apply for their service. Once approved, you’ll receive a free smartphone and a monthly service plan.
6. Craigslist
Craigslist is a popular site for buying, selling, and trading items, including cell phones. You might find people giving away free phones or trading them for other items.
I recommend looking at your local Craigslist “Free Stuff” section to see if there are any free phones near you that you can get.
7. Buy Nothing groups
Buy Nothing groups are local groups that give free items and services to their members. People like you and me give away, lend, or share items in these groups all the time.
I have personally given away many items in Buy Nothing groups, and it is such a great resource.
You can look for a local Buy Nothing group on Facebook and ask to join – you can start by searching for “Your town name + Buy Nothing group” on Facebook. Then, look for posts in the group, or post a new thread asking to see if anyone has a free cell phone to give away.
Companies That Give A Free Phone When You Switch Providers
One of the most common ways to get free cell phones is directly from the phone companies themselves. These companies give free phones or device discounts as part of their service contracts.
The cost of the phone is usually built into the monthly payment for the contract many times (and makes the monthly cost much more expensive). Most companies have a wide range of phones, from the latest iPhone to the newest Android device. It’s important to know, however, that these are typically tied to long-term contracts, which could last for up to two years or more and also may have high monthly plan costs.
To get a free phone, some of the companies may require you to trade in your old phone, while others give the free phone to new customers as a way to get you to switch from your current company.
If you’re thinking about switching cell phone providers, it’s helpful to know which companies give free phones as a bonus. Below, we look at four major cell service companies and their free phone deals for customers who make the switch.
Note: You won’t get a free monthly plan with the below providers.
8. AT&T
AT&T usually has promotions for new customers that include free phones. The devices that they give away can vary, but it’s usually for the most popular phone choices, such as Apple, Samsung, and Google Pixel.
In the past, I have personally received a free cell phone for signing up for a new plan with AT&T, so I know it’s real!
9. Verizon
Verizon is another company known for giving free phones to customers who switch to them. They usually have deals on smartphones like the latest iPhone, Samsung Galaxy, and Google Pixel devices.
10. T-Mobile
T-Mobile also has free phone deals for customers who make the switch to them. These deals usually include cell phones like Apple and Android.
11. Cricket Wireless
Cricket Wireless gives free phone deals to customers who switch from another carrier. The devices available as part of these deals often include budget-friendly options from major phone companies.
Before making any decisions, it’s important to compare these free phone offers with your current mobile plan and provider. Think about factors like phone coverage (will the new service plan have coverage where you live?), the amount of data you get, and contract length when deciding which deal is right for you.
Places To Get Cheap Cell Phone Service
If you don’t qualify for free cell phone service, then you may be interested in learning how you can save money with your monthly cell phone bill. Below are the best places to get a cheap monthly cell phone service.
Google Fi Wireless
Google Fi has affordable wireless plans depending on your needs, and it is what I have used for several years.
Their Flexible plan starts at just $20 per month, per line. This is a great option if you are looking for a plan that doesn’t break the bank and still has reliable service.
Mint Mobile
Mint Mobile is known for its very budget-friendly cell phone plans that start at just $15 a month for 5 GB. An unlimited plan is just $30 a month.
Mint Mobile runs on a reliable network, making it a great choice for someone who is trying to save money but still wants to be able to have service that they can count on.
Boost Infinite (formerly Republic Wireless)
Republic Wireless has affordable phone plans with a focus on simplicity and user flexibility. Their no-contract plans start at $15 per month for unlimited talk and text with the option to add data as needed.
I have several family members who were on Republic Wireless for years, and they liked how budget-friendly the service was.
Tello
Tello has plans that start at just $10 per month for 1 GB with unlimited minutes and free text messaging. Their Unlimited everything is only $29 per month.
They also provide a no-contract flexible option, allowing you to change your plan anytime to adjust to your needs.
FreedomPop
FreedomPop is a company that has both free and very cheap cell phone plans. Through the Affordable Connectivity Program, you can get unlimited wireless service (10 GB at 5G speeds) for just $0 a month.
If you don’t qualify for the government cell phone assistance program, they also have a free plan which looks to be a really good deal. You pay a one-time fee of $10 for the SIM card kit and the free plan includes 10 minutes of voice calling, 10 text messages, and 25 MB of high speed data each month. Yes, it’s not much data each month, but they also have plans for $30 a month that include unlimited texting and 10 GB of data.
Frequently Asked Questions About How To Get A Free Cell Phone
Below are answers to common questions about how to get a free cell phone and plan.
What programs give free phones to low-income individuals?
The Lifeline program is a government benefit that gives free or discounted phone services to qualifying low-income customers, including a free cell phone in some cases.
What are the top free phone plans in the US?
There are many popular free phone plans in the U.S. where you can get free cell service. Some popular options include the Lifeline Assistance program, which gives free or discounted cell phone service to eligible low-income consumers. Plus, carriers like Life Wireless have free monthly unlimited data, talk, and text through Lifeline and the Affordable Connectivity Program.
Who has the best free government phones? Which free government phone company is the best? What Lifeline provider sends the best free phones?
There are many different companies that participate in the free government phone program such as Life Wireless, Assurance Wireless, SafeLink, and Q Link Wireless. Each company is a little different, and you should choose the best one for you based on their coverage map, plan options (how much data do you need?), and phone device.
How do I qualify for a government assisted phone? Who is eligible for a free cell phone from the government?
To get a free government-assisted phone, you will have to meet certain income requirements or participate in a government assistance program such as the Supplemental Nutrition Assistance Program (SNAP), Medicaid, or Veterans Pension program.
Which carriers give free cell phones to seniors?
Some phone carriers have special deals and discounts for senior citizens, but I don’t know of any free phones that are targeted specifically for seniors. However, if you are a senior who qualifies for any of the government assistance programs mentioned earlier, you might be eligible for a free cell phone or a discounted service.
How do I apply for a free government phone?
Getting a free government phone is usually pretty simple and can be done on the phone company’s website directly. You can visit the website of a cell phone company that participates in the program, such as Life Wireless, and see if you qualify. They have easy instructions to follow, and you can find out if you are eligible for a free phone.
How To Get A Free Cell Phone – Summary
If you need a free cell phone or wireless service, there are many different options to look into.
Free cell phones can have a big impact on the lives of individuals and families. With these phones, they can:
Connect with potential employers
Call for emergency services
Stay up to date about news and important events
Both government-sponsored programs and wireless carriers have ways to get free phones.
The government programs are designed to provide free cell phones and service to eligible households, usually those who meet specific income or program participation requirements.
Telecommunication companies (like AT&T and Verizon) sometimes have deals to get potential customers to switch to them, such as free cell phone deals that are usually tied to specific contract terms (1 or 2 years long).
Do you want to know how to get a free phone? Did you know that you can get a free government cell phone?
A checking account is one of the most useful items you can have in your financial toolbox. You can use a checking account to pay bills, get paid early with direct deposit, or build your savings through automatic transfers.
However, it’s possible you’re not getting the most out of your account. Recognizing some of the most common mistakes you’re making with your checking account could help you to save money and time.
Ready to optimize this aspect of your financial life? Read on to learn:
• Common mistakes you’re making with your checking account
• Tips for improving your banking habits
Why Banking Mistakes Can Be Costly
Making mistakes with your bank account could cost you in more ways than one. It’s possible that you’re overpaying bank fees unnecessarily, missing out on valuable interest earnings, and possibly leaving yourself vulnerable to fraud. You may also be short-changing yourself and missing out on benefits and features if you’re using the wrong type of bank account for your needs.
Here’s why these issues can cost you:
• High fees are generally not a good thing, as they can nibble away at your balances over time.
• Losing out on the best interest rates means your money has less room to grow.
• Fraud can potentially be the biggest drain on your accounts, if your debit card or bank account is used to make unauthorized withdrawals or purchases.
The good news is that it’s relatively easy to get back on track. That starts with knowing which checking account mistakes to avoid. You’ll learn about them next.
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11 Checking Account Mistakes to Avoid
Managing a checking account shouldn’t be complicated. Here are 11 of the biggest checking account mistakes that you’ll likely want to sidestep.
1. Not Shopping Around
Sticking with the same bank for years may be comfortable, but it doesn’t necessarily mean you’re getting the best deal. It’s a mistake not to shop around for better banking options, as banks regularly introduce new benefits and features to attract customers.
It’s also incorrect to assume that switching banks is time-consuming or difficult. Many banks offer switch kits that help to simplify the process of transitioning your accounts over. These kits include a checklist of steps to complete to get your new accounts open and shut down your old ones if you choose to do so.
2. Overlooking the Benefits of Online Banks
How you use your checking account matters but it’s also important to consider where you keep it. Online banks can offer benefits you don’t always get at traditional banks or credit unions, such as lower fees or higher interest rates for deposit accounts. These two features could help you build wealth.
Opening an online checking and savings account is usually something you can do in just a few minutes. The trade-off of choosing an online bank is that you don’t have branch banking access. Comparing online banking pros and cons can help you to decide if it’s right for you.
3. Paying a Monthly Maintenance Fee
Banks can charge monthly maintenance fees for having a checking account. In some cases, you might pay these fees for savings and money market accounts as well. Paying these fees is a mistake if there are ways to get around them.
Your options for avoiding monthly maintenance fees might include:
• Meeting a daily or monthly minimum balance requirement
• Scheduling a qualifying recurring direct deposit
• Maintaining a minimum balance across multiple linked accounts at the same bank
• Making a certain number of purchases with your debit card each month
You could also avoid monthly maintenance fees by moving to an online bank. Online banks tend to be more fee-friendly than traditional banks, and you could earn a higher rate on interest-bearing accounts as well.
4. Triggering ATM Fees
Here’s another common mistake you may be making with your checking account: When you need quick cash, you hit the first ATM you come across. Convenient, yes, but that’s a problem if your bank charges ATM fees.
What are ATM fees? They’re fees you pay to use another bank’s machine. Typically, your bank won’t charge if you use their ATMs. But they might tack on a foreign ATM surcharge if you use a machine that’s out of the bank’s network. The ATM owner can also charge a fee of their own. Typically, out-of-network ATM fees will cost you between $2.50 and $5 per transaction and possibly even more.
Knowing where you can withdraw cash fee-free is a simple way to avoid that mistake. You might also consider looking for a bank that reimburses foreign ATM fees each month. Some banks offer reimbursement, either as a flat dollar amount or up to a certain number of foreign ATM fees per month.
5. Not Keeping Enough in Your Account
Maintaining a lower balance in your checking account isn’t necessarily a bad thing, but it could put you at risk of incurring overdraft of non-sufficient funds (NSF) fees.
Banks can charge overdraft fees to complete transactions when you don’t have enough money in your account. Non-sufficient funds fees may apply when you don’t have enough money in your account and the bank cancels or rejects the transaction.
In terms of how much you’ll pay for NSF vs. overdraft fees, that depends on the bank. However, it’s not uncommon for banks to charge anywhere up to $40 for these fees.
You could avoid overdraft fees by enrolling in overdraft protection. What is overdraft protection? It’s a service that allows banks to transfer money automatically from your savings account to checking if you’re in danger of overdrafting your account. You can avoid high overdraft fees by opting in, though banks may charge a smaller transfer fee.
6. Keeping Too Much Money in Checking
Keeping too much money in checking could also be a mistake if you’re missing out on interest earnings. Siphoning off some of the money in checking into a high-yield savings account or money market account, for example, could allow you to earn a competitive interest rate and APY on your balances.
It’s also important to consider how FDIC coverage limits apply to checking accounts. The Federal Deposit Insurance Corporation insures deposits up to $250,000 per depositor, per account ownership type, per financial institution. If you keep more than that in checking, you could be at risk of losing money in the rare event that your bank fails.
7. Choosing a No Frills Checking Account
A basic checking account should have all the features you need to pay bills, deposit money, or make purchases with a linked debit card. But a specialty account could offer a wider range of benefits.
For example, a high-yield checking account earns interest on balances. That’s like getting free money just for keeping a balance in checking. You will, however, have to pay tax on the interest you earn at the end of the year.
8. Missing Out on Potential Rewards
Another checking account mistake to avoid is losing out on potential rewards and bonuses. What are reward checking accounts? These are bank accounts that reward you with points or cash back for completing certain activities. For example, you might earn rewards when you make a specific number of debit card purchases each month or link a savings account.
These accounts are similar to rewards credit cards but the difference is you’re spending your own money to earn them, rather than borrowing from the credit card company. They can offer you some nice perks as you conduct your usual banking business.
9. Not Protecting Your Account When You Shop Online
Shopping online is convenient and you might be able to save money versus shopping in store if you’re using promo codes or coupons at checkout. However, you could be putting your checking account at risk if you’re shopping over unsecured WiFi networks or making purchases on untrusted websites.
A simple way to verify a site’s authenticity is to look for “https” in the site’s address. That indicates the site uses a Secure Sockets Layer certificate to encrypt and protect user data.
You can also protect yourself by not storing your debit card information at the checkout. If you’d like to be able to automatically enter your debit card details to pay, you can add them to a secure mobile wallet like Google Pay, Apple Pay, or Samsung Pay.
10. Not Enrolling in Email and Text Alerts
There are different ways to keep track of your bank accounts, including online and mobile banking. If you don’t always have time to log in, you could use email and text alerts to monitor your accounts instead.
Banks can allow you to set up different types of alerts, including notifications for:
• Low balances
• New credit transactions
• New debit transactions
• Updates to your personal information or login information
• New linked accounts
• New wire transfer transactions
• Failed login attempts
Not using alerts can be a mistake as it can save you time as you manage your financial life.
Enrolling in alerts can also help you to spot potentially fraudulent activity before someone is able to do any major damage with your account.
Recommended: The Biggest Money Scams in the U.S.
11. Using Weak Passwords
Your password is your entry key to your online and mobile banking accounts and it’s important to choose a strong one. The stronger your password, the more difficult it might be for hackers to steal your information, and your money.
If you’re using weak passwords that are easy to guess, you could be leaving yourself open to fraud. It’s also a mistake to reuse the same passwords to log in to multiple accounts. If a hacker gets their hands on the password, they could have instant access to bank accounts, credit cards, investment accounts, email accounts, and any other accounts you manage online.
Choosing strong passwords and updating them regularly can help you avoid that scenario. If you have trouble remembering passwords, you might consider storing them online in a secure password keeper.
Ways to Improve Your Banking Habits
Building better habits can take time, but it may be well worth the effort if you’re able to avoid making common checking account mistakes. Here are a few ways to improve your banking habits:
• Check your accounts regularly. Logging in to your bank accounts once a day or every few days is a simple way to check your transaction history and balances so you know what you have to spend.
• Sign up for alerts. Banking alerts can help you to spot potential fraud, track your balances, and know what’s being debited or credited to your account. It’s typically free to enroll, and you can personalize which alerts you want to receive.
• Maintain a buffer. Getting in the habit of maintaining a cash cushion in your checking account can help you to minimize your risk of overdraft. For example, you might want to keep an extra $500 to $1,000 in your account at all times and not let your balance fall below that amount.
• Review your accounts. Reviewing your checking account once a year can be a good way to see what you’ve paid in fees and what benefits you’ve enjoyed. You can then use that as a guide for deciding whether to stick with your current bank or shop around for a new one.
Recommended: Guide to Practicing Financial Self-Care
The Takeaway
Having a checking account can make managing your financial life easier, but it’s important to make sure you’re using it the right way. Avoiding common checking account mistakes and developing good banking habits can help you use your account to its full potential. Doing so can also help you earn more interest and pay fewer or lower fees.
If you’re ready to try a new banking experience, you might consider opening an online checking and savings account with SoFi. You can enjoy the convenience of saving and spending in one place, plus you’ll get benefits like paying no account fees and enjoying a great APY on deposits, which can help your money grow faster.
Better banking is here with up to 4.50% APY on SoFi Checking and Savings.
FAQ
What is the worst checking account mistake that I need to avoid?
The worst checking account mistake may simply be choosing the wrong account or the wrong bank. When you fully understand what you need a checking account for and what kind of features you’d like to have, that can make it easier to find the right banking option that’s convenient and low-cost.
What to do if the bank makes a mistake?
If your bank makes a mistake with a deposit, bill payment, or any other transaction, it’s important to contact the bank right away. You can explain what you believe the mistake to be so the bank has an opportunity to correct it.
What are the disadvantages of these banking mistakes?
Making banking mistakes can cost you both time and money. You may end up spending more time than you’d like to managing your accounts. Or you might overpay banking fees if you’re not paying attention. Correcting any banking mistakes can help you avoid those scenarios.
The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.
SoFi members with Qualifying Deposits can earn 4.50% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.
SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.
SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.
Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Interest rates are variable and subject to change at any time. These rates are current as of 8/9/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet..
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
Cash back benefits are no longer just for credit card users. Learn how to use Discover® Cashback Debit to get the most out of it.
September 29, 2023
Making money for spending money? It might sound too good to be true, but it’s a reality for some debit card holders. Debit cards like the Discover Cashback Debit card now offer a wide range of rewards and benefits to checking account holders, who are enjoying extra money in their pockets, added convenience, and more peace of mind thanks to all the advantages.
Lately, debit card benefits have started to include overdraft protection, receiving your paycheck early,1 online privacy protection, and more. But often the biggest benefit for debit card holders is the cash back they earn on purchases made with their cards.
What does ‘cash back’ mean?
As a debit card benefit, “cash back” refers to money that a bank adds to your checking account in exchange for using the debit card associated with that account. The amount of money you receive thanks to a debit card’s cash back benefit can depend on several factors, such as the financial institution, the type of card, and the type of transaction. For example, some financial institutions will reward customers with a percentage of the amount they spend with their card, while others may give customers a predetermined dollar amount for using the card at particular stores or restaurants. Some financial institutions restrict rewards to certain categories of purchases, such as gas or travel. Each financial institution and card has its own rules for what it considers a qualifying purchase, so make sure you understand the terms.
How does cash back work on debit cards?
Cash back rewards for qualifying purchases made with your debit card will typically appear in your account after the close of each statement period. Depending on your bank, the money could be added into a dedicated section of your online banking portal for you to redeem, or it could be directly deposited into your checking account. Make sure you understand how cash back works for your particular debit card so that you know when you’ll see the funds, how much you’ll receive, if there are any limits, and what types of transactions qualify.
How does Discover cash back work?
The Discover Cashback Bonus for the Discover Cashback Debit card works by providing 1% in cash rewards to customers on qualifying purchases. Discover Cashback Debit card users can earn 1% cash back on up to $3,000 in debit card purchases each month.2 That’s potentially $30 per month—or $360 per year—back in your pocket!
Earn cash back with your debit card
Discover Bank, Member FDIC
When does cash back show up on Discover Cashback Debit Accounts?
Discover Cashback Bonus rewards will post to the Rewards Detail section of your account summary at the end of each month. You can view your Cashback Bonus amount in either the Discover Mobile App or the Online Account Center.
Curious about the best way to redeem Discover Cashback bonus rewards? Well, you’ve got options. Through your account, you can manually transfer your Cashback Bonus into your Discover checking account, Online Savings Account, or Money Market Account. Discover customers are also able to enroll in Auto Redemption, which means Discover will automatically deposit your Cashback Bonus into your Discover Online Savings Account each month. Customers can also manually transfer their bonus to any Discover Credit Card Cashback Bonus® Account.
Ready to open a Discover Cashback Debit Account?
If you’re ready to get the most out of your debit purchases, including 1% in cash rewards2, then it’s time to get Discover Cashback Debit. Not only will you enjoy earning money on your everyday purchases, but you’ll also access amazing benefits like fraud protection, early pay1, and a network of over 60,000 fee-free ATMs.
Ready to get started? Open your Discover Cashback Debit account today.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information.
1 Early Pay is automatically available to checking, savings (excluding IRA savings), and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.
2 ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
For many people, college is the first time they’re truly in charge of their own finances. While it’s often a challenge, creating and maintaining a savings account for students is a foundational lesson for building healthy financial habits that last a lifetime.
And saving money as a student has its short-term, practical benefits, too.
“Life throws a lot of expenses our way that are hard to plan for—like when your car suddenly refuses to start when you’re running late for class,” says Jacqueline DeMarco, a freelance writer specializing in personal finance content. “That’s why building out a solid emergency fund is something that every college student should prioritize.”
So, how can you save money as a student in college? These savings tips can help give you some monetary breathing room and a financially secure start in adulthood.
Can you make your bank accounts work for you?
First things first: Make sure you have a good place to keep your savings. That means finding a bank that’s convenient and offers the features and benefits that work best for you.
DeMarco notes that students may feel limited to banks available on or near campus.
“If they aren’t happy with their on-campus bank options, college students may find that an online bank is a better fit for them,” DeMarco says. “Not only do online-only banks offer all of their services digitally, they also tend to have lower fees and offer higher interest rates than banks with expensive brick-and-mortar locations to pay for.”
Whichever bank you choose, DeMarco says there are two accounts every new student should strongly consider opening: a checking account and a savings account.
Setting up both a savings account and a checking account can be done online within a few hours at the bank of your choice.
How can students save money?
Once you’ve set up your checking and saving accounts, it’s time to take the next step toward financial responsibility. One of the best ways to save money for students is by setting up a budget.
How much should a college student spend per month? To determine that, DeMarco recommends subtracting your monthly expenses (essentials like food, utility bills, etc.) from your monthly income (whether it’s from a part-time job, student loans, or money from a parent). Doing this simple math will help reveal how much you can safely spend each month on fun stuff like new clothes or going to the movies—after you’ve put aside a portion for your savings, of course.
Looking to add more wiggle room to your budget? Try these money-saving tips for students:
Shop at consignment and thrift stores
Consignment and thrift stores offer previously owned clothes and other items at a discount. The primary differences are that thrift stores tend to be nonprofit organizations, accept more donations, and are generally less selective in what they choose to sell. Consignment stores are often more selective about the donations they accept, and they pass a portion of the sale to the person who donated—or consigned—the product.
DeMarco notes that consignment stores are not only a smart option for saving money—they’re also a way for students to make extra money by selling unwanted items.
Buy used textbooks
Textbooks can cost students hundreds of dollars if they’re new. Instead of paying full price, consider buying or renting used textbooks. “Many college bookstores offer used options, and online platforms often provide affordable alternatives,” DeMarco says.
You might also be able to recoup some of the money you spent once you’ve finished a class by reselling your textbooks to a used bookstore or an online vendor. “Sometimes I could even sell a book for more than I bought it,” DeMarco says, referencing her time as a student. Cha-ching!
Think about meal planning
So busy with classes and assignments that you find spending money at vending machines for on-the-go snacks easier than planning ahead? Stop, shop, and save. Set aside a few hours each weekend to prepare all of your meals for the week to come. Or, if you live in a dorm, hoard some extra items from the dining hall so you’re ready when those late-night study session cravings inevitably strike.
“Planning meals in advance gives students the chance to make a shopping list and stick to it,” DeMarco says. “As a bonus, having their meals planned will make it easier to avoid the temptation to dine out after a long day of classes.”
Explore free activities
Who says you need to splurge to have a good time? There are plenty of ways to have fun without spending money. Chances are, multiple free activities are happening on and around your campus on any given night. You can look up event calendars online or keep an eye out for announcements. Groups and clubs are always looking for participants and potential new members, so you can bet they’ll be happy to have you. (Plus, a lot of these events have free food.)
Ask for student discounts
It’s common for stores on and off campus to offer student discounts. To reap the benefits, always keep your student ID in your wallet, purse, or cellphone case so you can flash it and save some money.
“You’d be surprised how many retailers, restaurants, theaters, and entertainment venues offer discounts specifically for students,” says DeMarco, who relied on student discounts to help build her professional wardrobe as she neared graduation. “Plenty of major mall brands offer these discounts.”
Get a cheap coffee maker
Relying on caffeine to get through those late-night study sessions—or just to get moving each morning? Save money on java by buying a coffee maker and becoming your own barista. DeMarco says that a cheap or used French press is easy to use and could save you hundreds of dollars over the course of a year.
Rethink the car
It can be tempting to bring a car to college—whether for grocery runs or the occasional road trip. But the costs of gas, maintenance, and parking can add up quickly, DeMarco says. So leaving that set of wheels at home is another way for students to save money. Most college campuses are great for biking and walking. And many also provide shuttle buses and rides to essential off-campus places like grocery stores—as well as safe rides at night.
Track your savings
As you put these ways for students to save money into practice, DeMarco suggests tracking their positive impact on your budget. That way, you can see how your small saving techniques can add up over time. There are even money-saving apps for students you can download to measure your progress.
Where should college students keep their savings?
As you’re finding new ways to trim your budget, where should you put the money you’ve set aside? DeMarco says you’ve got a few options to consider:
Rewards checking account
While there are better places for long-term savings, rewards checking accounts are a valuable tool for college students as they begin to manage their own finances. Certain online checking accounts will provide cash back rewards based on how much you spend. For example, the Discover® Cashback Debit Account provides a 1% cash back bonus1 as well as overdraft protection if you overdraw your account.
Checking accounts are an ideal place to keep your spending money, funds for paying bills, and income earnings from part-time jobs or side hustles since they allow you to access the cash you need at any time.
High-yield savings account
Starting a high-yield savings account, like the Discover Online Savings Account, in college can make a dramatically positive impact on the rest of your financial life.
DeMarco recommends a high-yield savings account for any money that students may not immediately need but still want to keep available. “That way, their savings can earn interest, but they can access those funds if needed,” she says.
Call it a sunny day fund—online savings with no monthly fees
Discover Bank, Member FDIC
And putting aside a set amount of money each month into a high-yield savings account can start earning you compound interest. Even depositing a small amount of savings while you’re in college can add up over the years to make a sizable stash down the line.
CD
CDs, or certificates of deposit—especially those with a longer maturity term—can provide a higher return than a savings account. Use CDs for savings that you don’t expect to need over the CD’s term. The term length for CDs can vary widely. For example, Discover Certificate of Deposit terms range between three months and 10 years, with competitive annual percentage yields.
“If a student has a solid chunk of savings they know they won’t touch for a while, they may want to consider keeping their money safe in a CD, where it’s guaranteed to experience growth,” DeMarco suggests.
Retirement account
If you’re ready to start preparing for the more distant future (always a good idea), you can start by contributing money to an IRA, or individual retirement account. While some college students wait until they have a full-time job that offers a 401(k) plan to begin saving for retirement, the sooner you can get a head start, the better.
Discover offers both IRA CDs and IRA savings accounts.
Why not start saving while in college?
There’s really no better time to start saving than in college. To make your savings dreams a reality, set goals at the start of each semester and check your progress periodically. Maybe even reward yourself (nothing too extravagant, of course) for staying on track. Something as small as the occasional special meal or an activity that doesn’t blow your budget can be a fun way to celebrate those financial milestones.
Saving money can also create some amazing memories with the new friends you’ll be making. Ramen might seem dull, but challenging friends to see who can come up with the best recipe using cheap instant noodles can spice up the fun.
College can be a wonderful experience. And weaving these saving tips into that experience can help build the foundation for a comfortable and secure financial future. Just think: It could all start with a high-yield savings account.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third-party or information.
1 ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
College is an exciting time: You’re surrounded by new people, new opportunities, and a chance to dive into the next chapter of your academic career. But this transition also comes with different financial realities—and the need to develop new skills around spending and saving money.
Along with navigating your new campus and sharpening your study skills, there’s another key lesson to learn: how to create a college student budget. When done right, a budget can help you limit debt, build some savings, and accomplish your goals. Need to make sure you have enough for textbooks, rent, food—and some left over for a little fun? Want to spend a semester abroad? Creating a college student budget can help with these goals and more.
Whatever financial issue is giving you trouble, Katie Waters, CFP®, founder of a financial planning firm, has tips for how to set yourself up for success. Here’s how to get started.
Assess your income and expenses
As you begin building your college student budget, you first need to figure out how much money you have coming in and how much you have going out. You can use anything from a simple spreadsheet to a budgeting app to track your income and expenses.
How should students pay for monthly expenses? Start by writing down all the sources of after-tax money you get each month, Waters says. That includes money from a part-time job, financial aid, stipends, grants, loans, or a monthly allowance from your parents.
Next, figure out how much you’re spending each month. Waters recommends looking back at three months’ worth of your expenses. To do that, refer to your debit and/or credit card statements, plus any record of money sent through payment apps.
You should account for every dollar you’ve spent, Waters says, separating expenses into common categories such as:
Cell phone
Food
Entertainment (movies, fun with friends, streaming services)
Clothing
Internet
Transportation (airfare, bus tickets, car insurance, gas)
Tuition
Room and board or rent
Textbooks and school supplies
The point is to add up everything, Waters says. “We want a line item for it all.”
If you’ve gotten this far and you already realize that your expenses weigh in heavier than your income, consider ways you could start giving your income a leg up. Check out these tips to help you make money as a college student.
Create your college student budget
Making and following a college student budget is the best way to ensure you have enough money to pay for the things you need while still having some money left over for the things you want. Here’s how to budget as a college student:
1. Create your spending categories.
Your budget should contain categories for all your major spending groups. (Refer to the list of expenses you created when assessing your expenses.) Then decide how much you must spend for each and assign a dollar amount or percentage to that category.
2. Choose a type of budget.
There are different budgeting styles, and Waters notes that one might fit your specific situation better than another. You could try the 50/30/20 rule, which allocates 50% of your money toward needs (food, textbooks, tuition); 30% toward wants (entertainment, clothing); and 20% toward savings.
You can also go with the envelope system, which involves setting aside a limited amount of money for each spending category. Once you hit the limit in a given category by running through money in its envelope—whether literal or digital—you can’t spend any more in that category until the next budget period begins.
3. Optimize your budget regularly.
Once you’ve set a budget, keep track of it. If you’re consistently under or over, see if there are areas where you can save more or spend less. As your needs change, so should your budget.
Checking with cash back and no monthly fees
Discover Bank, Member FDIC
Prioritize essential expenses
Whichever kind of college student budget you choose, make sure necessities such as your tuition payment (if you’re paying for school yourself) or things like bus fare to get to your part-time job are covered. To make that easier, Waters says you can find ways to reduce your expenses, such as:
Renting, borrowing, or buying used textbooks
Buying snacks in bulk or cooking meals that are large enough that you’ll have leftovers
Asking for student discounts when shopping in person or looking for online discounts
Opening a cash back checking account or using a cash back rewards credit card to earn rewards1 for purchases you already make.
Focusing on what you must pay for first can help to lessen the debt you acquire, Waters says. Bonus: If you can do that, you’ll also reduce the amount of interest you’ll have to pay while in school or after you graduate.
Manage your fixed and variable expenses
Certain expenses, such as your cell phone or car insurance bill, typically stay the same every month. Those are fixed expenses. Variable expenses include costs that can change from month to month, like food, gas, or entertainment, depending on your behavior. Variable expenses can be tougher to budget for, but they can also provide more flexibility to your budget.
The envelope budget method can help you learn to budget more accurately for variable expenses when making a college student budget. For example, let’s say you spent $140 dining out in month one, $175 in month two, and $120 in month three. Take the average of the three—$145—and set that as your “dining out” monthly line item that you shouldn’t exceed.
“The biggest ‘don’t’ for college students is saying yes to everything,” according to Waters. Instead, it’s important to set limits. “Get to know your town and find ways to hang out that are free or low cost.”
Save for emergencies
College might not seem like a natural time to save money, especially if you’re not making much to begin with—but it can be done. And saving money will be a critical skill you can continue to use throughout your life.
Often, the easiest way to save is to make it automatic, Waters says. You can automate your savings by opening a savings account and setting up regular transfers from your checking to your savings account. You can choose how much is socked away based on a percentage of your income, as with the 50/30/20 rule, or you can set aside a chunk of your remaining balance at the end of each month.
It’s also important to try and build an emergency fund, even if it’s small, Waters says. An emergency fund is money you use for unexpected expenses—think paying to fix a flat tire, covering medical bills, or repairing a malfunctioning laptop. A good goal for the amount to save in an emergency fund is three to six months of your expenses. That might sound like a lot, but you can build your savings slowly over time.
Waters notes that a savings account or emergency fund is also a great place to stash cash you weren’t expecting to receive—like birthday money from Grandma. Think of it this way: If you save $25 a week, in just six months, you’ll have saved $600. This is also a great chance to learn how to invest as a college student. By keeping your savings or emergency fund money in a high-yield savings account, you can watch how your savings grows over time with interest.
Start building your financial foundation today
Once you’ve set a budget that you feel comfortable with, make sure to regularly check in with yourself about your spending. One trick that’s great for budgeting for college students is a financial checklist, which helps you look closely at your spending habits and whether your needs have changed. Earning more or less money, a change in your rent, or a tuition hike can make it necessary to reassess your budget and tweak as needed, Waters says.
College can be the perfect time to start your financial future off on the right foot. Things like building credit, saving for retirement, and creating a thriving savings account all come from making the right choices early—and regularly. Getting a handle on your finances in college with a college student budget is one of the best first steps you can take.
Creating a budget and learning to manage your finances as a college student can put you in a stronger financial position when you graduate. Here are some of the first steps you can take to ensure your long-term financial wellness.
Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third-party or information.
1 ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
Want to get paid sooner? Your checking account might be able to help.
August 9, 2023
Watching for a direct deposit to hit your bank account can be a stressful waiting game, especially if you have everyday expenses to cover and bills that need to be paid. If this is an all-too-familiar challenge, you aren’t alone. Many Americans live paycheck to paycheck, without much of a financial buffer between paydays. And even after your paycheck is sent to your bank, it can still take a few days before that money is in your checking account and available to spend.
Whatever the reason, being able to get your paycheck early can make a huge difference. And your checking account can actually help you do this, depending on your bank. So, how can you get your paycheck early using an online checking account? It just takes a few simple steps and a little know-how.
Can you get your paycheck early using your online checking account?
Yes! You may be able to get your paycheck early and access your cash even sooner than expected, depending on the checking account you pick. Early access to these funds could help you cover immediate expenses or pay bills without having to rely on credit cards or incur late fees.
Not all online checking accounts allow you to get paid early, but some do. For example, Early Pay is one of the many benefits of a Discover® Cashback Debit checking account, and this feature allows you to tap into qualifying deposits days earlier than scheduled.1
What is Early Pay?
Early Pay is a no-fee service offered to Discover checking account customers, giving you access to qualified Automated Clearing House (ACH) funds up to two days early. (ACH is an electronic fund transfer network across which banks and credit unions transfer money.) Eligible funds can include a direct deposit paycheck from your employer or an ACH transfer from a government entity, just to name two.
With the Early Pay feature, your direct deposits are made available to you soon after Discover is notified that the pending transfer is on the way. This means you can pay bills, make purchases, and prevent overdrafts on your Discover checking account up to two days earlier than expected.
How do I set up direct deposit?
The process for setting up direct deposit will vary by the payor (your employer, in most cases). Payors often have their own direct deposit form for you to fill out, or you may be able to provide an ACH form that your bank generates on your behalf.
In order to set up direct deposit, you’ll need to provide the payor with information such as your:
Name on your account
Bank name
Bank account and routing numbers
Bank address
Also, you’ll likely need to tell the payor how you want the money deposited. Suppose you want half of your paycheck to go into savings, for example, or a set dollar amount to be redirected into another checking account. You may be able to specify those details when you set up direct deposit.
Checking with cash back and no monthly fees
Discover Bank, Member FDIC
What types of accounts are eligible for Early Pay?
Early Pay is available to Discover customers with online checking accounts, online savings accounts, or money market accounts. Early Pay isn’t available for Individual Retirement Account (IRA) savings accounts or IRA CDs because those are retirement accounts that aren’t typically used for short-term expenses.
What kinds of ACH deposits qualify for Early Pay?
If you have an online checking account, online savings account, or money market account with Discover, your ACH deposits may be eligible for Early Pay.
How early will direct deposit funds be available?
Discover Cashback Debit customers may be able to access their eligible direct deposit funds up to two days early. The timeline depends on when the ACH transfer is initiated by the payor and when Discover is notified that funds are on their way.
Will funds from my qualifying direct deposit always be available early?
Early Pay is available to eligible banking customers with qualifying direct deposits, but does direct deposit come early for all Discover customers, all the time? Not necessarily. Discover can’t guarantee that the funds will always be available early because of actions the payor may take. Timing can also depend on when Discover is notified of the pending payment.
How do I enroll in Early Pay?
If you’re wondering how to get your direct deposit funds early with Early Pay, it’s easier than you might think. Once you get set up with direct deposit, which is usually done with an employer or benefits provider like Social Security, Discover takes care of the rest. Or, if you’re already receiving qualifying ACH direct deposits into your checking, savings (excluding IRA savings), or money market account, you’re already automatically enrolled in the Early Pay feature. Once Discover is notified that a qualifying ACH payment is en route, you can have access to your money up to two days early.
Is there a fee for using Early Pay?
For Discover Cashback Debit customers, there’s no fee for the Early Pay feature. This means you can access your ACH deposits sooner at no additional cost.
Can I be informed when my direct deposit posts with Early Pay?
You sure can. With Discover Cashback Debit, you’ll automatically be set up with Early Pay email alerts, so you’ll always know when your paycheck or other qualified deposit hits your account. If you want to turn off email alerts, you can unsubscribe anytime. And if you prefer text or push notifications, you can turn those on in the Discover App.
Start using your checking account to get your paycheck early
When choosing a bank, you’ll want to look for important benefits such as no fees, expansive ATM networks, mobile check deposit, and even rewards on checking accounts. Being able to get your paycheck early might be one of the most beneficial perks, though, whether you need it to pay some bills or if you’re ready to make a big purchase.
Discover Cashback Debit customers enjoy more than 60,000 no-fee ATMs in their network, receive 1% cash back on up to $3,000 in monthly debit card purchases,2 and can even get paid up to two days sooner with Early Pay—all with no fees. Take a closer look at Discover Cashback Debit and see if it’s right for you.
1 Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.
2ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), online sports betting and internet gambling transactions, and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
Articles may contain information from third-parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third-party or information.
