November is a great month for bargains. Black Friday happens this month after all, and the supposed single-day sale holiday seems to get stronger and go longer every year. Plus, online retailers like to keep you guessing and may drop a worthy deal on any given day.
Your strategy to save money this month? Review your budget, make a list of what you want and remember to ABC: always be checkin’ (or just set deal alerts) for discounts. Consult this Nerdy list of the best things to buy and skip in November, too.
Buy: Electronics
Black Friday, which falls on Nov. 29 this year, is synonymous with great deals on gadgets, but you may not have to wait until the end of the month to get the goods you’re after. Jane Boyd Thomas, a professor of marketing at Winthrop University, says she’s noticed retailers are getting an early jump on technology deals.
“We know that a lot of spending on Black Friday is self-giving, not gift-giving,” says Thomas. And with consumers still dealing with high prices in non-discretionary categories like food and fuel, retailers can entice shoppers to spend discretionary dollars with deals that come early and often.
Look for markdowns on TVs, tablets, laptops, gaming systems, smartwatches and smartphones at all the usual places — Amazon, Walmart, Best Buy, Target and Costco — between now and Black Friday.
Skip: Bedding and linens
Need a thicker comforter for the cold months? January is just around the corner, and it’s your best bet for a deal on bedding and linens. Stores promote bedding discounts, called white sales, at the beginning of each year as a way to bring shoppers into their home departments.
In past years, bedding basics were slashed by 50% or more at stores like JCPenney, Macy’s and Pottery Barn. We expect similar savings again in 2025.
Before you build a budget
NerdWallet breaks down your spending and shows you ways to save.
Buy: Vacuums
Aside from spring cleaning season, November might be the best time to add a new vacuum cleaner to your closet. We usually see vacuum models from Dyson, Shark, Bissell, Hoover and more on sale during Black Friday events.
At NerdWallet, we tracked prices on a handful of products during major sale days. The iRobot Roomba i5 vacuum had a lower price on Black Friday 2023 than on Amazon’s Prime Day in July of this year. Expect sweeping sales on high-tech sweepers to land at the end of the month.
Skip: Clothes
This is unconventional, but to save money you may want to wait on apparel — especially items like shoes, hats, coats and gloves — says Thomas.
“As we get closer to Christmas, I think the deals on those are going to be better and better,” she says.
November, especially Black Friday, isn’t a bad time to buy clothes, but larger retailers that hold a lot of stock could be eager to offload unsold items as the gift-giving season gets closer. Stores like Gap, Anthropologie and Ann Taylor are likely to have more inventory than one-off boutique clothing stores, “so you have a better chance of getting what you want by playing the ‘wait game’ there,” says Thomas.
Buy: Air fryers and coffee makers
Air fryers burst onto the scene around 2017, and the versatile cookers are still hot. Black Friday is a good time to go after these hot products, or you could score a deal on any given day in November.
I found an Instant Vortex Plus air fryer for half off list price on Nov. 5 last year. The shiny stainless steel model caught my eye while at a friend’s house for dinner one evening. I checked Amazon when I got home and couldn’t pass up the $69.95 price. At the time of this writing, it retails for $139.95. I got a Black Friday price on a random Sunday in November.
What else is hot in November? Coffee makers. Look for great deals on Nespresso, Keurig and other popular coffee maker brands in November, especially on Black Friday. On the other hand, you may want to roll the dice and wait for Cyber Monday — which falls on Dec. 2 this year — for other kitchen gadgets. We’ve seen items like the KitchenAid Classic Series stand mixer reach a lower price on Cyber Monday than on Black Friday at Amazon and Target.
Skip: Specialty food items
You know that meat and cheese board or tin filled with peppermint bark you send to family when you run out of time and gift ideas? According to Thomas’ advice, you can keep specialty treats as your backup plan.
Retailers may not be motivated to move items quickly because seasonal treats tend to have a long shelf life and people often send them as last-minute gifts, she says.
Bonus: Veterans Day
Veterans Day doesn’t pack the shopping punch of Black Friday. Still, here are some bonus ways to save a buck on Nov. 11.
If you serve or have served in the military, ask about special discounts at stores, restaurants and even barbershops. For example, Rack Room Shoes will offer a 20% discount (normally 10%) to current and former U.S. military members and their dependents. Sport Clips is doing free haircuts for vets and active duty military at participating locations on Veterans Day.
Whether you’ve served in the military or not, you can visit one of the U.S. National Parks that typically charges an entrance fee for free on Veterans Day.
Plan ahead and protect yourself on pre-Black Friday purchases
Mobile shopping and dynamic pricing (e.g., the random air fryer deal I found on Nov. 5) make it all too easy to spend on a whim. Go into November knowing what you want to buy and how much you’re willing to spend on a given item.
If you know what you want, you can monitor and compare prices throughout the month, says Thomas. You can use a site like Slickdeals.net to set deal alerts for price drops all over the internet or use a price tracker like CamelCamelCamel for alerts on products sold on Amazon.
And if you buy something in November, but before Black Friday, you’ll want to check the retailer’s price-matching, price-protection and return policies first. For example, Amazon’s site specifically states that because the retailer strives to maintain competitive prices, it does not offer price matching.
Be sure to dig into the details, too. Best Buy’s price match guarantee, for example, excludes items for sale Nov. 21 through Dec. 2 this year.
Thomas’ advice: Let the store’s policy help you decide whether to take the deal now or risk it and wait for a better one on Black Friday.
Before you build a budget
NerdWallet breaks down your spending and shows you ways to save.
For a limited time, the $0-annual-fee IHG One Rewards Traveler Credit Card has boosted its sign-up bonus for new cardholders, offering plenty of points to use toward future travel goals.
Those who apply by Nov. 20, 2024, can earn 100,000 bonus points after spending $2,000 on purchases on the card in the first three months from account opening. That can amount to up to two nights at over 5,700 IHG Hotel and Resort properties.
It’s a 20,000-point increase over the card’s previous bonus, and it maintains the same spending requirement. It’s a solid introductory offer for a $0-annual-fee credit card. The ongoing value of the card’s perks and rewards can also help you earn more free nights.
The card’s features include:
Up to 17 points total per $1 spent at IHG (5 from card, 10 from loyalty program, 2 from automatic elite status).
3 points per $1 spent on monthly bills, gas stations and restaurants.
2 points per $1 spent on all other purchases.
Perks that come with automatic silver status (20% bonus points, free internet, no blackout dates for rewards nights and more)
When you redeem points for a consecutive four-night IHG hotel stay, you’ll get a fourth Reward Night free that’s redeemable at the same hotel during the same stay. There’s also an opportunity to earn 10,000 bonus points after spending $10,000 every calendar year.
Overall, it’s a valuable pick if IHG or its properties are your preference for travel and you can pay off the card’s balance in full every month to avoid interest charges.
Creating a coffee bar at home is a great way to elevate your daily coffee experience and add a personal touch to your kitchen or living space, even in a rental. Whether you’re renting a home in Portland, OR, buying a home in Burlington, VT, or searching for an apartment in New York City, NY, having a dedicated space for your coffee essentials can transform your morning routine into a more enjoyable and relaxing ritual. From the smell of freshly brewed coffee to the convenience of having all your favorite beans, mugs, and brewing equipment within reach, a home coffee station is a perfect blend of function and style.
Designing a coffee bar at home that suits your taste involves considering things like space, equipment, and aesthetics. With a little planning, you can create a coffee corner that reflects your personal style while ensuring you have everything you need to craft the perfect cup. With tips from experts in the coffee and home design fields, we’ll show you step-by-step how to create an at-home coffee bar that caters to your unique needs and enhances your home coffee experience.
1. Figure out your space
When planning a coffee bar at home, the first step is determining the best spot for it. “Creating a space that suits how you want to make coffee and is enjoyable to use is the best way to grow your love of creating the perfect-tasting coffee at home,” shares Toby, the coffee expert behind Coffee with Conscience.
The good news is that you don’t need a large area to create a functional and stylish coffee setup. Whether you have an entire countertop to dedicate or just a small corner to spare, the key is to work with what you have.
Counter top vs coffee cart
“Creating the perfect home coffee station is all about thoughtful organization and quality essentials,” advises Brigette Romanek, interior designer and blogger at HomeDecorFull. “Start with a dedicated counter space near an outlet, using a small shelf or cart if space is limited.”
Whether you’re passionate about having a variety of brewing equipment on display or just tight on counter space, “Consider using a rolling cart for a flexible coffee station that can move around your space,” recommends blogger Gina Dickson of Intentional Hospitality, a blog providing tips and advice on hosting at home.
Stick to the essentials
Once you’ve identified the perfect spot for your home coffee bar, consider the flow of your daily routine and the accessibility of your coffee essentials. “Keep your most-used items within easy reach, arranging them by workflow (like grinder, filter, brewer, then cups),” recommends Romanek from HomeDecorFull.
No matter the size of the space, the goal is to make your at-home coffee bar an organized, inviting spot that streamlines your coffee-making process. “Avoid cluttering your coffee space with unnecessary gadgets,” shares Matthew Barry, roaster and owner of Ember Coffee Co. in Big Lake, MN. “Ensure that at least half of your setup has open space for cup placement; keeping it clean and minimal makes it easy to stay organized while showing off your beautiful setup.”
Compact is key
A minimalist setup not only saves space but also keeps your area looking tidy and visually open.
“When space is at a premium, I like to opt for compact brewers that don’t require much counter space,” suggests Jon Clark from the Nomad Coffee Club, a premium coffee bean subscription service.
“Even space-challenged coffee lovers can set up a coffee bar,” agrees Diane Kuyoomjian at Bruvi, one of the freshest and most versatile pod coffee brewers on the scene. “Whether you use a kitchen counter or a free standing cart, a versatile single-serve brewer that makes both coffee and espresso will provide all the barista vibes in a small footprint.”
Maximize a small space
In small spaces, every inch counts, so keep your coffee bar clutter-free by sticking to the essentials and storing extras out of sight. “Maximize vertical storage with stackable storage canisters for beans and accessories, while a small tray beneath your equipment protects surfaces and keeps everything tidy,” says Robert Gomez from Kaffe Products, a company where you can find all the essentials for coffee at home.
Even the smallest corner, windowsill, or unused wall can be transformed into a functional coffee station with the right organization. “A wall-mounted shelf or a pegboard and stackable storage containers can add an aesthetic backdrop for your coffee bar while also providing storage for beans, reusable filters and coffee scoops,” recommends the team at Nomad Coffee Club.
2. Choose home brewing equipment for your coffee bar at home
After you figure out your space, the next step to creating your coffee bar at home is in choosing the right equipment to get the job done. The type of coffee brewer you should choose for your home coffee setup largely depends on what kind of coffee you like to drink, the amount of space you have, and of course, personal preference.
“It may sound simple, but there’s no point in spending hundreds of dollars on a shiny espresso machine if it just collects dust once the novelty wears off,” shares Toby of Coffee With Conscience. “Good coffee is about the taste as much as the art of creation.”
“As a passionate home brewer, it’s easy to get caught up in buying every new device,” confides Syeh Naveed, the face behind the blog The Need for Coffee. “While fancy equipment can be tempting, if your brewing space isn’t clean and organized, it detracts from the experience. And worst of all, having too many brewers can lead to decision fatigue.”
Naveed suggests simplifying your home coffee setup by sticking to one or two devices, helping to keep things simple while still maintaining your options. Your home coffee bar might have multiple coffee contraptions, but make sure they are each serving a distinct purpose, focusing on the following brewing methods.
Pour-over
Pour-over coffee is a hands-on brewing method that gives you more control over how your coffee turns out, letting you really bring out the unique flavors of the beans. You simply pour hot water slowly and evenly over ground coffee in a filter, which results in a clean, smooth cup with lots of depth. Since you can tweak things like the water temperature, grind size, and how you pour, it’s perfect for anyone who loves experimenting to create their ideal brew. Plus, it’s simple and has a nice, relaxing ritual to it, which makes it a go-to for many coffee lovers.
“You don’t need a ton of fancy gear to brew amazing coffee at home – just stick to what makes you happy,” suggests Alejo Galindo, one half of the duo at friendly coffee resource The Coffee Nerds. “A glass flask style brewer is a solid choice for manual pour-overs and easy to store when not in use. Just make sure to have a decent grinder and a water kettle for best results.”
Handheld presses, plungers, and stovetop espresso
Handheld tools, like portable espresso makers, manual presses, or stovetop brewers, are a great option for coffee lovers who want to enjoy stronger coffee on the go, in small spaces, or on a budget. These compact devices use manual pressure to brew rich, concentrated coffee without needing a bulky machine. While they require a bit more effort compared to automatic machines, they offer tasty results and the flexibility to brew anywhere, whether you’re at home, traveling, or camping.
“If you love espresso and are short on space, a manual coffee press will take your love for coffee out of this world. Easy to use and easy to clean this brewer provides a fantastic concentrated coffee with a unique design and consistent results,” shares Matt Milletto, owner of classic Portland, OR roaster, Water Avenue Coffee.
“Handheld espresso makers are perfect for espresso-based drinks without taking up any counter space,” Galindo agrees.
Another recommendation comes from the experts at Pawling Coffee Roasters in Pawling, NY. “A plunger-style coffee device is ideal because it brews high-quality coffee without taking up much space. Once you gauge how much coffee you use per batch, you can eyeball it going forward. As long as your setup is organized, it looks great and lets you focus on what really matters: the delicious taste and aroma of freshly brewed coffee.”
Jim D’Andrea from Maker’s Coffee Company adds, “Brewers like these fit any kitchen and produce amazing results. An electric kettle adds a simple way of heating water to ideal brewing temperatures which makes a huge difference in taste.”
Automatic machines
Home coffee machines are a great investment for coffee lovers who want to enjoy cafe-quality brews right from their kitchen. These machines come in various types, ranging from manual and semi-automatic to fully automatic and super-automatic models, each offering different levels of control over the brewing process.
“When creating your home coffee station, there are many options,” agrees Home Coffee Tips author Ben Farrer, a trusted source for many types of brewing equipment. “For something modern, easy to use and space-saving, I would recommend a pod machine for convenient espresso. If you want to take it to the next level, I advise a home espresso machine and an electric burr grinder.” To complement your espresso-making setup, Ferrer adds, “You can buy plenty of coffee brewing accessories to match your kitchen aesthetic, like wooden tampers and coffee mats.”
Drip coffee makers are another automated classic that give you an easy and consistent brew every morning. “My favorite drip coffee maker is my go-to for the best drip coffee every morning,” says Milletto from Water Avenue Coffee. “It’s compact, precise, and delivers 8 perfectly brewed cups, bringing the local coffee shop into your kitchen.”
“Treat yourself to a good espresso machine, steam pitcher, tamping mat, and knock box to elevate your coffee space,” adds Carol from decaf coffee provider based in Springdale, AR, Talking Crow Coffee Roasters.
“Finish off your coffee brewing setup with a scale,” Carol continues. A scale can be used for multiple different brewing methods to help find consistency by measuring the amount of coffee and water used in your brewing process, ensuring a more predictable cup every time.
As the professionals at Seattle-based Langskip Coffee suggest, experimenting with different brewing methods to find your ideal cup of coffee is one of the key steps to creating the perfect coffee bar at home.
3. Invest in a burr grinder
If you’re looking for the quickest way to elevate your home coffee experience, burr grinders are essential if you value consistency and control over the grind size of your coffee beans. Mindful consumption blogger Laura Yoder at Black Coffee Beautiful nods her head to the importance of a grinder, sharing, “A grinder gives renters an opportunity for high-end flavors, even if space is limited and the budget is tight.”
Unlike blade grinders, burr grinders use two abrasive surfaces (burrs) to crush coffee beans evenly, resulting in a more uniform grind that enhances the flavor and quality of the brew. “The biggest difference between average and great coffee is the quality of the grind, and a burr grinder delivers consistent results,” confirms Berry of Ember Coffee Co.
“Don’t skimp on your grinder while you splurge on your brewer – flip that around,” seconds Matt Boshart, owner and head roaster of Reboot Roasting located in Omaha, NE. “A high-quality burr grinder should be the focus of your home setup.”
4. Use good quality coffee beans
Whether you’re using a simple drip machine or an elaborate espresso setup, starting with quality coffee beans ensures that your brewing efforts result in the best possible taste, making every cup more tasty. “You don’t need a complicated setup for delicious coffee at home,” confides owner of Florida-based Coast to Coast Coffee, Matthew. “The two most effective tips to achieve coffee nirvana are to first, get your hands on freshly roasted beans. Second, grind them right before brewing.”
Keep your beans fresh
The freshness of the beans you’re using is important—treat coffee like an item with an expiration date, and don’t grind the beans until right before brewing for more flavor. To keep your beans staying fresh, Michelle Kaliher from the spooky themed roaster Sinister Coffee and Creamery in Portland, OR recommends storing your beans in an airtight container, away from light and heat. “Whether you prefer the bold richness of plunger coffee or the clean, smooth taste of a pour-over, this keeps the beans fresh and full of flavor,” Kaliher advises.
Try a coffee bean subscription
Coffee bean subscriptions are another way to ensure a steady supply of fresh, high-quality coffee delivered right to your door. Francesca from the Lux Cafe Club, a service that provides customers with high quality coffees, reminds that the key to a great home coffee experience is freshly roasted beans. A subscription service allows for delivery of premium coffee at intervals that suit your coffee habits, with a range of options allowing you to select your preferred roast level, grind size (or whole beans), and even specific flavor profiles.
Sample different flavor profiles
If you’re looking for a fan favorite, “Try a medium roast, which offers a bright and balanced flavor that everyone can enjoy,” says Claudia at Haymaker Coffee. By using high quality coffee beans in your daily coffee ritual, you can tailor your coffee experience to your taste preferences. Whether you enjoy light, fruity notes or deep, rich flavors, investing in quality coffee beans is essential for unlocking the full potential of your home coffee bar.
5. Keep your at-home coffee bar organized
As you develop your coffee bar at home, staying organized is crucial for both efficiency and aesthetics, ensuring that your space is easy to use and visually appealing. “If you want to create the perfect home coffee space, the best one is the one you’ll use,” advises Toby of Coffee with Conscience.
“Focus on keeping things simple with quality brewing equipment and smart storage solutions for your beans,” says Katie, author of motherhood and coffee blog KT Likes Coffee. “A clutter-free setup makes your morning coffee ritual smoother and more enjoyable.”
Tips and tools for an organized coffee bar
“Home coffee setups can take up quite a bit of counter space, especially if you dive deeper into the hobby,” confides Andrew Richter, founder and head roaster at New York-based Gotham Coffee Roasters. “My most recent coffee bar additions have been a mountable power strip to free up outlet clutter, and a dedicated paint brush to clean my messy grinder. Keeping a work area neat helps free up space whether you’re at home or in a professional shop.”
“Use space-saving organizers like hooks to hang your cups and dosing vials for your favorite specialty coffees,” adds Ember Coffee Co’s owner. “Efficiency is everything—plus, storing your beans in neat little vials helps you keep the space tidy and stylish.”
The professionals at Haymaker Coffee suggest keeping organized by using clear containers for your coffee and tools, making everything you need for making coffee at home easy to find. Clear, labeled jars not only help you quickly find what you need but also add a clean, decorative touch to your coffee bar.
By maintaining an organized home coffee station, you create a space that’s both functional and beautiful, making your coffee routine smoother and more enjoyable.
6. Let your coffee station be an expression of your style
As you develop your coffee bar at home, personal touches are what make a coffee station feel like it belongs in your space. Styling your coffee corner is an opportunity to have fun and express your creativity while making your coffee routine more enjoyable. “A plant or two, a jar of cinnamon sticks, and a cozy mug make the space feel warm and inviting,” affirms Lauren Dryer from the Scandi-inspired Langskip Coffee.
However, there are many ways to help your home coffee bar feel more personalized.
Display unique mugs and drinkware
“The perfect home coffee station combines style and functionality, creating a cozy corner to elevate your daily ritual,” emphasizes Eleni, the potter behind Pottery by Eleni. “Start by adding a special touch with a handmade mug, offering both beauty and comfort with each sip. Complete the look with a cream and sugar set, a charming countertop accent that keeps essentials within easy reach while adding an artisanal flair to your space.”
Double-walled glass mugs also offer a stylish touch to your space while keeping your coffee at the perfect drinking temperature, and come recommended from the experts at Kaffe Products.
“Set out a coordinated set of mugs for a cohesive look,” agrees Diane from the pod machine company Bruvi. “Showcase your style with sugar and spoons in attractive containers like neutral ceramics or baskets on a small tray.”
Use decorative organization
“Our mantra is to minimize clutter but maximize style,” continues the coffee experts at Bruvi. “Clear glass or acrylic canisters don’t take up visual space but are a great way to display coffee pods.”
For easy clean-up and mess-free brewing, Nomad Coffee Club recommends adding a stylish coffee tray to minimize messy grinds or coffee stains on your countertops.
“Use a small, dedicated corner with floating shelves for easy access to mugs and coffee beans,” adds Gunnar Monson, the face behind Sasquatch Coffee in Oregon. “Keep your home coffee bar organized with labeled jars for beans and tools, making your morning brew as seamless as it is enjoyable.”
Add art and other personal touches
“Don’t be afraid to showcase your personality through quirky signs, vintage finds, or color schemes that speak to you,” advises Stephanie LeBlanc, author of the home styling blog Celebrated Nest. “Remember, your coffee bar should reflect your taste while still being practical – it’s all about making your daily brew feel special.”
“I love tying in personal touches,” agrees Maggie, the creator behind Coffee With Maggie and the early bird newsletter. “My coffee corner has a few plants, and features a custom painting my best friend, By Annie B., did of the cups from all my favorite coffee shops which ties the whole space together.”
Customize your space with renter-friendly style options
When creating a rental-friendly home coffee bar, it’s important to focus on styling options that won’t require permanent changes or damage to the space. “For personalization, go for renter-friendly options like peel-and-stick wallpaper or removable hooks to hang mugs or decor without damaging walls,” recommends hosting expert Gina Dickson of Intentional Hospitality.
You can also focus on the aesthetics of your brewing equipment to bring more style to your at-home coffee bar with practically no effort. “Your morning coffee sets the tone for the rest of your day, so regardless of your favorite brew method be sure to choose one or two products that are unique, expressive of your personality, and elevate your daily routine,” says Aby Henry, the owner of Portland’s Bridgetown Sparrow Ceramics. Artfully crafted, matching pour over and mug sets are one of Henry’s favorite ways to add flair to any home coffee bar.
Finish off your renter-friendly coffee space with colorful trays, baskets, or countertop organizers for an easy and aesthetic corner of your home.
Change up your home coffee bar to match the seasons
If you love to change things up in your home for each season, your home coffee bar is the perfect place to start celebrating. “Provide a functional and pretty space for your guests to enjoy a cup of coffee, starting with styling the space with seasonal decor items,” says country living blogger Lynn Langford with At Home in the Wildwood. “Risers and tier trays are perfect for decorating the area for the holidays or seasons. I also like to keep tea and hot cocoa supplies in the same area for those who might not be coffee lovers, but want a hot beverage.”
“Refreshing your coffee bar for each season is my favorite way to infuse personal style into our vintage farmhouse kitchen,” adds the author of Celebrated Nest. “I love expressing my style by swapping out mugs on a tiered tray or hanging seasonal wreaths – easily adaptable ideas for any space. The key is to keep your essentials in place and decorate around them with easily changeable pieces, allowing you to transform your coffee station from summer refresh to fall cozy without any permanent changes.”
Choose a color theme
Using color in your home coffee station is a fun way to add personality and vibrancy to the space while enhancing its overall aesthetic. Incorporate pops of color throughout for a more balanced look, or use color to highlight your coffee bar as a focal point in your home.
“I get the most compliments on our very pink to-go cup station. It includes matching cup sleeves adorned with our family monogram that I’ve designed and hand stamped, plus pink straws and hot coffee lids to match my iced/hot latte mood accordingly for the full custom cafe moment,” reveals lifestyle and home blogger Elle Wagner. “Our guests always get a huge kick out of how extra it is,” she laughs.
The key to personalizing your home coffee bar is to balance style and practicality, ensuring that your decorative elements don’t overwhelm the space but instead contribute to creating an organized, beautiful area that enhances your coffee-making experience.
7. Focus on technique for perfect coffee at home
The final step in elevating your at-home coffee bar is to make sure the coffee you’re making tastes great. If you’re getting the perfect flavor every time, you’ll be more inspired to use your home coffee station regularly.
Women-lead roasters Coroco Coffee Roaster Collective, based in Sycamore, IL, and Tostado Coffee Roasters in Portland, OR are powerful workhouses in the coffee space, and were happy to share the secrets to making coffee at home that mimic the professional cafe experience.
Use filtered or distilled water
Water plays a crucial role in brewing coffee at home, as it makes up about 98% of your final cup and acts as the primary solvent to extract flavors from the coffee grounds. The quality of the water you use directly affects the taste and balance of your coffee.
“Use filtered water and keep your equipment clean to ensure each cup tastes fresh,” emphasizes Adriana Lopez, the woman behind Tostado Coffee Roasters. Filtered water can remove impurities like chlorine, which can give your coffee an off-flavor.
“Consider using distilled water combined with a mineral enhancer to create the ideal mineral profile for brewing,” shares Karen Weckerly, roaster and owner of Coroco. Too-soft or distilled water can result in a flat or dull taste, but certain minerals in water are needed to bring out the coffee’s full flavor profile.
Get your water temperature right
The temperature of your water also matters, with ideal brewing temperatures for any manual coffee being just off boiling, around 202°F, continues Weckerly. Water that’s too hot (above 205°F) can over-extract the coffee, leading to a bitter taste, while water that’s too cool (below 195°F) might under-extract, resulting in weak or sour flavors.
Use one part coffee to a higher amount of water
“Experiment with water-to-coffee ratios and brewing methods to find your ideal strength,” recommends Lopez.
“The golden ratio for coffee is 1:15 to 1:18 which means one part coffee to 15-18 parts water,” explains Weckerly. “This is perfect for a lot of brewing methods, including pour-overs, drip, and plungers.”
You can use a scale at first to get the hang of what this looks like, then as you get more comfortable, eyeball the amount of coffee and water you use each day for a truly seamless (and delicious) home coffee experience.
Pay attention to your grind size
Grind size is one of the most important factors in making great coffee at home, as it directly influences the overall flavor of your brew. The size of your coffee grounds determines how quickly water passes through them and extracts the flavors.
“A good double shot requires 17-20 grams of very finely ground coffee – think flour like consistency,” advises Weckerly.
A medium grind, with a texture resembling sand, works well for drip coffee makers and pour-over methods, balancing extraction time and flavor. For brewing methods like French press or cold brew, a coarse grind is ideal, as the slower brewing process requires larger grounds to prevent over-extraction and bitterness.
Lopez encourages home coffee enthusiasts to experiment with grind size and brewing methods to highlight the unique flavors of your favorite beans, giving you the best experience in your new home coffee bar.
Go forth and create your perfect coffee bar at home
“For some, at-home coffee bars are a simple budgeting hack—but for me, it’s truly a daily luxury that I miss when I’m traveling,” admits lifestyle and home blogger Elle Wagner. “The key to an iconic coffee bar is how custom you’re willing to make yours. Investing in the right coffee makers, stocking and importing my favorite beans, pods, syrups, and milks, and even matching everything to my favorite color just for fun has made all the difference to using my setup on the daily.”
As you start creating your own coffee bar at home, remember that it’s all about making the space your own. Whether you invest in high-end equipment or start with the essentials, make sure you craft a setup that enhances both your coffee experience and your living space. With a bit of inspiration and planning, your at-home coffee bar can become the perfect spot to fuel your day and indulge in your love for coffee.
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We’re currently in a strange sort of housing crisis where existing homeowners are in a fantastic spot, but prospective buyers are mostly priced out.
The issue is both an affordability problem and a lack of available inventory problem. Namely, the type of inventory first-time home buyers are looking for.
So you’ve got a market of haves and have nots, and a very wide gap between the two.
At the same time, you’ve got millions and millions of locked-in homeowners, with mortgages so cheap they’ll never refinance or sell.
This exacerbates the inventory problem, but also makes it difficult for mortgage lenders to stay afloat due to plummeting application volume.
The solution? Offer your existing customers a second mortgage that doesn’t disturb the first.
Loan Servicers Want to Do More Than Service Your Loan
Over the past several years, mortgage loan servicers have been embracing technology and making big investments to ramp up their recapture game.
They’re no longer satisfied with simply collecting monthly principal and interest payments, or managing your escrow account.
Realizing they’ve got a goldmine of data at their fingertips, including contact information, they’re making big moves to capture more business from their existing clientele.
Why go out and look for more prospects when you’ve got millions in your own database? Especially when you know everything about your existing customers?
Everyone knows mortgage rate lock-in has effectively crushed rate and term refinance demand.
And cash out refinances are also a non-starter for many homeowners unless they have other really high-rate debt that’s pressing enough to give up their low-rate mortgage.
So lenders are left with a pretty small pool of in-the-money borrowers to approach. Still, thanks to their investments, they’re getting better and better at retaining this business.
Instead of their customers going to an outside lender, they’re able to sell them on a streamline refinance or other option and keep them in-house.
But they know the volume on first mortgages just isn’t there, so what’s the move? Well, offer them a second mortgage, of course.
Your Loan Servicer Wants You to Take Out a Second Mortgage
I’ve talked about loan servicer recapture before, where new loans like refis stay with the company that serviced the loan.
So if you have a home loan serviced by Chase, a loan officer from Chase might call you and try to sell you on a cash out refi or another option.
I’ve warned people to watch out for inferior refinance offers from the original lender. And to reach out to other lenders when they reach out to you.
But that was just the tip of the iceberg. You’re going to see a big push by servicers to get their existing customers to take out second mortgages.
This is especially true on conventional loans backed by Fannie Mae and Freddie Mac, for which borrowers are mostly locked-in and streamline options don’t exist.
They know you’re not touching your first mortgage, but they still want to increase production.
So you’ll be pitched a new HELOC or home equity loan to accompany your low-rate first mortgage.
As a result, you’ll have a higher outstanding balance and blended rate between your two loans and become a more profitable customer.
This is Pennymac’s approach, as seen above, which launched of closed-end second (CES) mortgage product in 2022. They are one of the nation’s largest mortgage servicers.
It allows their existing customers to access their home equity while retaining their low-rate, first mortgage. And most importantly, it keeps the customer with Pennymac.
Notice how much higher the recapture percentage is once they tack on a CES.
Other servicers are doing the same thing. Just last month, UWM launched KEEP, which recaptures past clients for its mortgage broker partners.
Second Mortgage Push Might Allow the Spending to Continue
One major difference between this housing cycle and the early 2000s one is how little equity has been tapped.
In the early 2000s, it was all about 100% cash out refis and piggyback seconds that went to 100% CLTV.
Lenders basically threw any semblance of quality underwriting out the door and approved anyone and everyone for a mortgage.
And they allowed homeowners to borrow every last dollar, often with faulty appraisals that overstated home values.
We all know how that turned out. Fortunately, things actually are a lot different today, for now.
If this second mortgage push materializes, as I believe it will, consumer spending will continue, even if economic conditions take a turn for the worse.
Lots of Americans have already burned through excess savings squirreled away during the easy-money days of the pandemic.
And you’re hearing about folks being a lot more stretched, not even able to weather three months without income. But if they’re able to access a new lifeline, the spending can go on.
Then you start to envision a situation similar to the early 2000s where homeowners are using their properties as ATMs again.
In the end, we might start to see CLTVs creep higher and higher, especially if home prices flatten or even fall in certain overheated metros.
The good news is we still have the highest home equity levels on record, and home equity lending remains quite subdued compared to that time period.
But it should be noted that it hit its highest point since 2008 in the first half of 2024. And if it increases substantially from there, we could have a situation where homeowners are overextended again.
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Much ink has been spilled on the 4% rule, including here on The Best Interest.
The short and sweet definition? The 4% rule is a retirement strategy that suggests withdrawing 4% of your portfolio’s value annually, adjusted for inflation, to ensure your savings last for a 30-year retirement.
If you’d like to dive deeper on some nuance of the rule, read this: Updated Trinity Study and the 4% Rule.
And if you’d like to avoid the common mistakes of using the 4% rule, read this: You’re Probably Using the 4% Rule All Wrong
Today, though, I want to show you some compelling data about the optimism and conservatism built into the 4% rule.
Ultimately, you’ll see that the 4% rule comes with major risks.
All Models Are Wrong
All models are wrong?
No, not that kind of model. I’m talking about numerical models. The idea that you can use numbers and figured to represent or simulate reality. Your numbers will never, ever be a perfect representation of reality – you can’t predict the future. All models are wrong!
…but some are useful. Models are used all over modern society. One hopes that their models can “bound” reality, providing bookend scenarios to how reality might shape up (good vs. bad, optimistic vs. conservative, etc). We can use models to explain how particular variables will or won’t affect reality.
Weather forecasting is a terrific example. Meteorologists use numerical models to simulate the atmosphere by solving complex mathematical equations based on physical laws, such as the conservation of mass, energy, and momentum. These models take in data from satellites and weather stations, then simulate how the atmosphere will evolve over time.
They’re never perfect. In that way, they’re always wrong. But they’re certainly useful.
Further reading: The Madness of Forecasting
Retirement Forecasting
It’s a fool’s errand to predict the future performance of investing markets. But the 4% rule provides a numerical “bookend,” giving direction to retirees.
The hardest pill to swallow about the 4% rule is that we know it’s wrong. We just don’t know which direction it’s wrong in.
Most likely, as you’ll see below, it’s too conservative. It’s important for retirees to internalize that truth!
But there’s a possibility the 4% rule is too aggressive. And that’s a scary possibility. It means you might run out of money in retirement. Yikes.
Visualizing the 4% Rule
I used the terrific 4% rule visualizer from Engaging Data to create the charts you’ll see below. I recommend playing around with that tool yourself.
As with any modeling, the input assumptions are vitally important. I assumed:
We’re investing in a diversified 60% stock, 40% bond portfolio.Yes, this varies slightly from the 4% rule’s original assumption of a 50/50 portfolio. But 60/40 is more in line with retirement best practice.
I assumed a 30 year retirement timeline. To make the math easy, I assumed a $1 million starting portfolio. Thus, a 4% withdrawal in Year 1 is $40,000, and each future withdrawal is adjusted up for inflation.
I assumed that taxes and investment fees are included in annual spending. This is a key assumption, but one that’s often overlooked. In other words:
Are you withdrawing 4%, and then paying taxes on those withdrawals (perhaps another 0.4%), and then paying investment fees on those assets (perhaps another 0.2 – 1.5%)? That’s actually more like a ~4.5+% annual withdrawal.
Or, are you withdrawing 4%, which includes the requisite taxes and fees. Perhaps you’re only “netting” ~3.5% to spend on your lifestyle, and the other 0.5% pays taxes and fees.
I’m using the second scenario, not the first.
While the Engaging Data website does look at market history back to 1871, I don’t care too much about anything before World War 2. The American and global economic systems were far different then. I can’t cut that data out of my results, but I recommend focusing on 1950 onward.
Caveats Apply…
I’m beating a dead horse here in the world of retirement planning. There’s an asterisk on everything. But, to pre-empt any guff, let’s be clear:
The 4% rule is way more rigid than how any normal human would spend in retirement. Lifestyle variations, taxes, inflation rates, healthcare costs, and the potential for longer retirement periods make any withdrawal rule an imperfect one-size-fits-all strategy.
The 4% rule doesn’t account for Social Security, which I think is a huge mistake.
The 4% rule uses past market results to make future retirement decisions – it’s a numerical model! We know the risks involved there.
Results – How Does the 4% Rule Hold Up?
In short, the 4% rule is like playing rec league basketball with Lebron James on your team. You’ll win, and it will be overkill.
Out of the 123 unique 30-year periods we can observe, only one of them leads to “failure.” It ran out of money in Year 28 (barely a failure, at that).
The median result not only supported our retiree’s lifestyle, but also left them with $2.8 million at death. Again – that’s the median result. 30 years worth of withdrawals, and still another $2.8 million leftover. That’s overkill!
We’ve made a trade-off using the 4.0% rule. That trade-off is: in order to avoid a ~1% chance of retirement failure, are you willing to accept the 50% chance that you underspend in retirement so severely that you end up with 3x the assets at death as when you retired?”
That’s what we’re talking about here. Severe underspending. Severely not enjoying the fruits of your labor. It’s worth thinking about that trade-off. Personally, I don’t think it’s worth it. I don’t mind increasing my “failure odds” above 1% if it means I get to spend a bit more.
Another crazy stat: let’s compare the 90th percentile result against the 10th percentile result. These two scenarios are equally likely, one being on the good side of fortune and the other on the bad side:
90th percentile: our retiree dies with $6M after 30 years.
10th percentile: our retiree dies $800K after 30 years
The 10th percentile result is pretty close to, “I died with as much money as I started retirement with.”
The 90th percentile result is, “I died with 6x more money than I started retirement with.”
And they’re equally likely to happen. Wild!
While it’s important to acknowledge the one failure of the 4% rule (albeit after 28 years of withdrawals), it’s hard to walk away thinking anything other than, “The 4% rule is overkill.”
Adjust the Rate, Adjust the Timeline
So let’s play around with the numbers a bit.
Let’s extend the timeline beyond 30 years.
And let’s toggle the withdrawal rate higher.
But we should first ask – what’s an appropriate “failure” metric? The answer, by nature, will be completely arbitrary. After all, we’re using a numerical model that we know cannot be correct. Nevertheless, I vote for the following:
If more than 20% of test retirements fail, then I think our scenario is too aggressive, too risky.
If the median result spends down more than half of our retirement nest egg (e.g. dies with less than $500K after starting with $1M), then I think our scenario is too risky. Why? Because retirement research clearly shows that retirement failure is a slippery-slope/accelerating problem. If our median result is down 50% after 30 years, then many of those individual scenarios would accelerate toward near-term failure.
Timeline Failure
If we keep our withdrawal rule at 4%, but extend the timeline out to 53years (!!), then we reach ~20% of our test retirements failing.
The median scenario ends with $5.5M. The best timelines here finish with upward of $65 million.
We’re saying that a 40-year old can retire on the 4% rule and reasonably (~80% odds) expect to still have assets at age 90.
That leads me to a similar takeaway as before: the 4% rule has historically skewed toward overkill!
Withdrawal Rate Failure
Let’s go back to a 30-year timeline, but let’s now dial up the withdrawal rate above 4.0%. When do we reach one of failure criteria?
At 4.85%…
Using a 4.85% withdrawal rate, we see that:
20% of our test cases fail before 30 years, the earliest of which being after Year 20.
Our median case still has $1.7M after 30 years – more than we started with!
As a reminder, 4.85% equates to 21% more spending every year than the 4% rule. That’s a big difference in lifestyle.
Let’s Get the Median Below $1M
I want to press our luck and push the limits. What withdrawal rate does it take so that our median result has a retiree with less than $1M at death? In other words, I want to see more than half of our simulations outspending their investment growth.
The answer: a withdrawal rate of 5.2%
In this case, about 28% of our scenarios outright fail, and another 22% finish between $0 and $1M.
Let’s Get Failure to 50%
One more experiment: at what withdrawal rate do 50% of scenarios outright fail? Clearly this is too much risk to bear. But it’s helpful to use numerical models to “define your limits,” and this is just that.
The answer: a withdrawal rate of 6.25%
You’d never want to start retirement knowing that you have a 50% chance of go broke prior to death. But it’s worth understanding where the limits of withdrawal rates lie.
“But I’ve Read About 3.5%, 3%, and Lower Rules…”
Yes, some conservative retirement commentators combine multiple factors that result in low withdrawal rates like 3.5%, 3.0%, and less.
Quite simply, I think 3.5%, 3.0%, or lower withdrawal rates are simply beyond the pale. Those commentators are suffering from the crushing costs of conservative retirement planning.
Simply look at the 3.5% withdrawal rate chart below:
3.5% is a recommendation that someone chronically underspends their potential, knowing that anyone who would have done so in the past would have at worst died with the same $1M they started with (for 3.5% withdrawal rate) or at worst died with $1.6M (for 3.0% withdrawal rate).
It’s like driving at 40 miles per hour on the Interstate. “But I want to be safe!”, they clamor as normal traffic wizzes around them. Their obsession with safety causes more harm than good.
What’s Jesse’s Answer?!
My big takeaway from this fun experiment: I plan on starting higher than 4.0%, and adjusting as I go.
On one hand, I would hate to start at 4.75%, then live through an “unlucky future” and ultimately run out of money.
But I would equally hate to start at 4.0%, then live through a “normal” (or better) future, and ultimately end up with many multiples of my original nest egg at death.
The “adjust as I go” takes this into account. If I need to be more conservative for a few years, I will be. If I can press on the gas for a few years, I’ll do that too.
Quite simply, the biggest risk of the 4% rule is underspending your retirement potential. And it’s biggest flaw is its rigidity.
It’s a numerical model. And a helpful one at that. But it’s not real life.
Thank you for reading! If you enjoyed this article, join 8500+ subscribers who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week. You can read past newsletters before signing up.
-Jesse
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Many landlords will only consider prospective tenants with decent credit scores. However, some private landlords who are eager to fill empty rentals quickly may advertise “no-credit-check” apartments. In other cases, smaller family-owned buildings just don’t have the same documentation requirements as bigger complexes handled by property managers or brokers. Even if the building you’re interested in does require a credit check, there may be ways to get around it.
If you have bad credit or no credit, we’ll explain all the ways you can still rent an apartment.
• Renting with bad credit or no credit is possible through no-credit-check apartments, which are often managed by private landlords who prioritize consistent rent over credit checks.
• Strategies include finding a cosigner, paying a higher security deposit, or providing proof of financial stability.
• Subletting or sharing an apartment can bypass credit checks, as these arrangements often require less documentation.
• Building credit history by becoming an authorized user on a credit card or paying bills on time could improve rental prospects.
• Being honest about credit issues and providing references from previous landlords may help secure a rental agreement.
Are There No-Credit-Check Apartments?
A handful of landlords will rent an apartment without a credit check. However, apartment hunters should approach advertised “no-credit-check apartments” with caution. The term can sometimes be code for “these units are problematic,” or “this landlord is difficult,” or even “this is a scam.”
Sometimes, however, private landlords in smaller buildings just don’t see the need for credit checks. They don’t advertise this, but “for rent by owner” (or FRBO) listings can offer a clue.
Instead of pulling a credit report themselves, some landlords will accept a credit reference with the rental application. Credit reference documentation can be a recent credit report that the tenant provides (saving them from paying a fee), or pay stubs and W-2s, or letters from previous landlords or lenders — basically, anything that shows your ability to pay the rent.
Recommended: Trying to Rent in a Tight Housing Market? 4 Steps To Win the Lease
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Why Landlords Perform Credit Checks
Landlords perform credit checks for apartment rentals for the same basic reason that employers run credit checks for employment: to help determine whether a prospect is financially responsible.
Landlords want tenants who pay their rent on time. By checking an applicant’s credit report, a landlord can see how reliably the person pays their bills and manages their credit. If someone has a history of late payments or outstanding debts, a landlord may think twice before renting to them.
When landlords run a credit check, it will be a soft credit inquiry, which won’t affect your credit score.
How the Process of No-Credit-Check Apartments Works
Depending on the landlord, the application process for a no-credit-check apartment can be pretty standard or very casual. Landlords generally ask for the following as part of your application:
• Proof of identity
• Proof of employment, income, or financial stability
• Vehicle information, if parking is provided
• Personal references
• Application fee
Typically, it takes one to three business days to process an application. Afterward, you’ll be given a lease to sign. At this time, you can negotiate the security deposit, move-in date, and any details such as minor repairs to be made. When you receive the keys, the place is yours.
Should I Sell My House Now or Wait?
Be Honest
No one likes an unhappy surprise. If you haven’t established credit yet, say so. If you have credit problems, say so. Have a conversation with the landlord before you apply to gauge their flexibility and warn them of red flags in your credit history. Then include a cover letter with your application repeating your explanations. Glowing reference letters also help offset a poor credit score.
Recommended: What Is a Tri-Merge Credit Report?
Get a Roommate
Finding a roommate with good credit can help make the deal go through. A landlord may accept using their name alone on the lease (assuming the roommate is OK with taking full responsibility for rental payments). Or you may be able to put both of your names on the lease.
Look for Sublets and Shares
Sometimes, a leaseholder will “sublet” their apartment while they pursue opportunities elsewhere. This allows them to return to their former home in the event they want to move back. Rather than paying rent to the landlord, the subletter will often pay the leaseholder, so financial documentation may not be required. This is a common arrangement in big cities, especially among leaseholders of rent-stabilized apartments.
In share situations, roommates who are on the lease may sublet an extra room without requiring much, if any, documentation. As long as you make a good impression, they may give you a chance.
Find a Cosigner
A cosigner is someone who promises the landlord to cover your rent if you cannot pay — usually a good friend or family member with great credit. Cosigners may or may not live in the apartment.
Pay a Higher Security Deposit
If you’re brainstorming how to rent an apartment with bad credit and no cosigner, consider laying some cash on the line. Whether you dip into savings or build up your reserves with an online budget planner, putting down several months’ rent as a security deposit can reassure the landlord.
Show Financial Proof
Perhaps you make a decent income that will make it easy to pay your rent. Or you saved up some money as a cushion. Share proof with the landlord in the form of pay stubs and bank statements.
Use Previous Landlords as References
If you’ve rented from other landlords and made those payments on time, bring a reference letter or two to prove it. Ideally, the reference should be on letterhead or at least look neat and professional. That might mean creating the letter yourself and having your previous landlord sign it.
Promote Yourself
Have superior presentation skills? You can use them to persuade your landlord what a great tenant you’ll make. Turn on the charm. Bring homemade baked goods. It works.
Build Your Credit History
If there’s somewhere you can stay for now — with a friend or family member — spend that time building your credit history. To build up poor credit, focus on paying bills on time and paying down credit card balances. During this time, it may help to sign up for free credit monitoring. What qualifies as credit monitoring varies by service, but look for one that offers alerts whenever your score changes.
When you have no credit, you can start to establish your history by becoming an authorized user on a credit card or putting a utility in your name. Just be aware that it may take six months or more for the system to generate your credit score. You may be able to check your credit score for free through your bank, credit card company, or credit counselor.
The credit score needed to rent an apartment varies by location and landlord. But according to FICO®, a credit score of at least 670 is usually enough to rent an apartment.
The Takeaway
If you haven’t yet established credit or have a problematic credit history, no-credit-check apartments are one option. However, there are many other ways to secure a rental, from finding a sublet or share situation to paying a higher security deposit. Beware of shady no-credit-check apartments: There’s no reason to settle for an unsafe or unhygienic environment just because of your credit score.
Take control of your finances with SoFi. With our financial insights and credit score monitoring tools, you can view all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.
See exactly how your money comes and goes at a glance.
FAQ
What happens if you don’t have credit but want to rent an apartment?
Let the landlord know up front and ask what you need to do to rent the apartment. Their suggestions may include getting a roommate or cosigner with good credit, or putting down a larger security deposit. If you’ve rented in the past and made payments on time, ask your previous landlords for reference letters and build a case about why you’ll make a great tenant.
Can I rent an apartment with collections?
If you’re planning to rent a no-credit-check apartment, then the landlord won’t consider issues on your credit report. If your credit will be checked, talk to the landlord up front to see if renting with collections on your report is somehow possible.
What’s the minimum score to rent an apartment?
It’s up to the individual landlord. If a landlord requires a “good” credit score, FICO considers that to be in the range of 670-739.
I’m wondering how to pay rent with a credit card, no fee. What can I do?
If you’re renting right now, ask your landlord. If you’ll be seeking an apartment to rent, ask prospective landlords if this is possible. Each landlord has their own policy about credit cards.
Photo credit: iStock/StefaNikolic
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Nebraska, often associated with its expansive prairies and agricultural roots, has plenty of rural charm to enjoy. With friendly Midwestern communities, a growing economy, and a diverse range of outdoor activities, Nebraska can be the perfect fit for many lifestyles. But is Nebraska a good place to live? To help you weigh your options, here are the pros and cons of living in Nebraska.
Is Nebraska a good place to live?
Nebraska’s two largest cities, Omaha and Lincoln, are the state’s cultural and economic hubs. Omaha is known for its booming business sector, home to Fortune 500 companies like Berkshire Hathaway and Union Pacific. Meanwhile, Lincoln, the state capital, has a thriving college town atmosphere, thanks to the University of Nebraska. The state has a strong agricultural backbone, contributing to its job opportunities.
Beyond its cities, moving to Nebraska means settling into friendly Midwestern communities, a slower pace of life, and a variety of outdoor recreational opportunities. From camping in the Sandhills to exploring Chimney Rock, the state has various activities that celebrate its natural beauty. However, life in Nebraska comes with its own set of challenges, from unpredictable weather to limited entertainment options in rural areas.
Nebraska state overview
Population
1,961,504
Biggest cities in Nebraska
Omaha, Lincoln, Bellevue
Average rent in Omaha
$1,225
Average rent in Lincoln
$1,223
Average rent in Bellevue
$1,120
1. Pro: Strong job market in agriculture and technology
Nebraska’s economy is deeply rooted in agriculture, with the state being one of the top producers of beef, pork, and corn. However, it’s not just farming that drives Nebraska’s economy—Omaha and Lincoln have diversified with strong business and technology sectors. In Omaha, industries like finance and insurance are prominent, and the city is home to major corporations like Mutual of Omaha and TD Ameritrade. Lincoln offers opportunities in education, government, and healthcare, thanks to the University of Nebraska and other local institutions.
2. Con: Severe weather and tornadoes
While Nebraska enjoys all four seasons, the weather can be extreme. The state sits in “Tornado Alley,” meaning severe thunderstorms and tornadoes are a real risk, particularly in the spring and summer months. The unpredictability of the weather can make it difficult to plan outdoor activities, and residents must be prepared for sudden storms. For those who prefer milder climates, the harsh weather conditions could be a significant downside to living here.
Insider scoop: Many locals recommend keeping a weather app with storm alerts handy and preparing an emergency kit with essentials like flashlights, batteries, and a first aid kit.
3. Pro: Affordable cost of living, especially in smaller towns
Nebraska has a lower cost of living compared to the national average, making it an good place to live for those looking to stretch their dollar. While cities like Omaha and Lincoln offer affordable housing options, the state’s smaller towns are even more budget-friendly. For example, in cities like Grand Island or Kearney, rental rates can be as low as $747-$1,199 for a one-bedroom apartment. By contrast, Omaha’s average rent for a similar unit sits around $1,225. The low cost of utilities and groceries also contributes to the overall affordability, allowing residents to maintain a comfortable lifestyle.
4. Con: Limited public transportation options
Nebraska’s rural landscape makes public transportation a challenge, especially outside of Omaha and Lincoln. The state’s vast distances between towns mean that having a car is practically a necessity. Even in Omaha, public transportation options are limited, with the city primarily relying on buses that have infrequent routes in suburban areas. In smaller towns, public transportation is virtually nonexistent, leaving residents with few alternatives to driving.
5. Pro: Friendly communities
One of Nebraska’s standout qualities is the friendliness and hospitality of its residents. In smaller towns and even in its larger cities, you’ll find people willing to lend a hand or strike up a conversation. The state’s community pride makes it easy to form close relationships with neighbors and get involved in local events. This makes Nebraska an ideal place for those seeking a slower pace of life with strong community ties.
6. Con: Bugs and pests can be a nuisance
Nebraska’s vast open spaces and agricultural landscapes are a haven for a variety of insects, especially in the summer months. Mosquitoes, flies, and ticks can become bothersome, particularly near rivers and rural areas. Farmers and rural residents often contend with swarms of insects, and even city dwellers in Omaha and Lincoln aren’t immune to the bug problem. For those who love spending time outdoors, the insect population can make summer hikes or evenings on the porch less enjoyable.
Insider scoop: To better enjoy your outdoor time, consider adding citronella plants to your patio or using natural bug repellents like essential oil sprays.
7. Pro: Low traffic and easy commuting
One of the pros of living in Nebraska is the lack of major traffic congestion, even in the state’s major cities. While rush hour in Omaha and Lincoln can slow things down slightly, it’s nowhere near the gridlock seen in larger metropolitan areas. Commuting times are generally short, with most residents able to get to work within 20 to 30 minutes.
8. Con: Lack of major entertainment and nightlife
For those seeking a vibrant nightlife or major entertainment options, Nebraska may feel lacking. While Omaha and Lincoln offer a selection of bars, restaurants, and cultural events, the options are relatively modest compared to larger cities. In smaller towns, entertainment is often limited to local high school sports or community events. Residents looking for high-end shopping, concerts, or diverse dining options may need to travel out of state to places like Kansas City or Denver.
Insider scoop: Plan ahead for popular annual events like the College World Series or the Nebraska State Fair, which bring in larger crowds and festivities.
9. Pro: Abundance of outdoor recreation
Nebraska’s open spaces provide great opportunities for outdoor exploration. From hiking and camping to hunting and fishing, there’s plenty to do in the state. The Niobrara River is a popular spot for kayaking and tubing, while the state’s many lakes, like Lake McConaughy, are perfect for boating and swimming. Residents can also explore the scenic Sandhills, the historic Oregon Trail, or Chimney Rock. Nebraska’s landscape might not be mountainous, but its rolling prairies and rivers offer plenty of ways to connect with nature.
Insider scoop: For some of the best camping and stargazing, check out the Fort Robinson State Park in the northwest part of the state.
10. Con: Snowstorms and sub-zero temperatures in the West
Living in western Nebraska means dealing with harsh winter conditions, including frequent snowstorms and sub-zero temperatures. The region experiences heavy snowfall during the winter months, often leading to road closures and hazardous driving conditions, especially in rural areas. Snow accumulation can pile up quickly, and without the same extensive snow removal infrastructure found in larger cities, residents in smaller towns may be more isolated during storms.
Pros and cons of living in Nebraska: Overview
Pros
Cons
Strong job market in agriculture
Severe weather and tornadoes
Affordable cost of living, especially in smaller towns
JAL has launched a new credit card with two tiers (basic & premium). Details are as follows:
Annual fee (waived first year)
$35 annual fee for basic tier
$85 annual fee for premium tier
Sign up bonus:
5,000 bonus miles after $3,000 in spend (basic & premium)
Additional 5,000 bonus miles when you spend an additional $2,000 within three months (premium only)
Card earns at the following rates:
Spend on JAL airlines (2x for premium)
All other spend (0.5x for basic, 1x for premium)
No foreign transaction fees
5,000 bonus miles when you you book your first JAL flight (one time use only, even if you apply for a second card)
10% sector bonus miles for every flight
5% discount at HND and NRT duty free, 10% discount at JAL in-flight purchase and wifi
5k bonus mile after you use international flight by JAL
no annual fee in the first year, but $35/$85 from the second year respectively
SUB: 5k after spending 3k within 3month for Basic, additional 5k if you spend 2k more for premium within 3 month
Earn 5 JAL life status points every $1,500. (Theoretically, this makes 470k spending on this card gives you JGC status a.k.a. lifetime one world Sapphire as long as you hold this card and pay 2k mile annually). Combination with tier run can reduce the cost of getting this too.
Miles expire after 3 years of earning unless you are in JGC premiere or JAL diamond status holder.
Our Verdict
Doesn’t really look worth it unless you fly JAL a lot, but better than the previous offering.
Like most U.S. airlines, Delta charges passengers to check a bag when they travel on domestic itineraries. The first bag is $35, and must be no more than 50 lbs.
A second bag costs $45 and follows the same Delta baggage weight policy. This fee also applies on flights to Canada, Mexico and the Caribbean. Other international itineraries receive one free checked bag per passenger.
The Delta baggage calculator can give you the exact requirements for your trip. It analyzes all the factors into your destination, eligible waivers and number of passengers to alert you to the amount you would owe for standard or overweight bags.
How to pay
You can pay for a checked bag during the check-in process for your flight online or at the airport by using a kiosk with either in cash or in miles. Remember that most domestic Delta airports are now “cashless,” and you may need a credit or debit card.
Checked bag restrictions
Overweight/excess bag fees are determined by the number of bags, the size of the bag and the weight of the bag. Here is what you can expect to pay for bags that exceed these limits:
51-70 lbs: $100.
71-100 lbs: $200.
Over 100 lbs: Not permitted.
Third checked bag: $150.
Fourth-10th checked bag: $200 each.
Oversized bag exceeding 63-80 inches in length/width/height: $200.
Oversized bag exceeding 80 inches in length/width/height: Not permitted.
Travelers can pay extra to check as many as 10 bags per person on most domestic Delta or Delta Shuttle flights (Delta Shuttle flights are the airline’s air shuttle service in the Northeastern U.S.). Up to four bags may be checked on Delta Connection carrier flights, the regional airlines that operate under Delta.
It’s important to note that Delta may limit the number of excess bags it carries on some flights if not everyone is allowed to check the standard two pieces. They would be on a standby basis and may travel on the next available flight.
Here are some key exceptions to the Delta luggage weight limits:
When flying to/from Key West, Florida, all passengers are only permitted one checked bag.
Excess baggage weight is not permitted on Delta Connection flights.
Military travelers on orders can check as many as five bags (up to 100 lbs each) for free. When traveling for personal reasons, they can check two bags (up to 50 lbs each) for free with proper military identification. If traveling in Premium Select, they can check three bags (up to 50 lbs each), and if in first class or Delta One, three bags (up to 70 lbs each).
How to avoid Delta baggage weight fees
There are several ways to avoid paying Delta bag fees.
Flying internationally
When flying all other international flights, most Delta passengers can check their first bag for free, no matter their cabin, status or fare. Basic economy passengers do not earn this benefit. Additional weight and size limitations for international flights include:
51-70 lbs: $100.
71-100 lbs: $200.
Over 70 lbs: not permitted on flights to Europe/United Arab Emirates/North Africa/South Africa.
Over 100 lbs: not permitted on all other flights.
Restrictions on number of bags and size of bags vary depending on the destination country.
Elite status
One of the many perks of SkyMiles Medallion status is being able to check bags for free. This benefit also applies to up to eight companions traveling with the Medallion member on the same reservation.
SkyMiles Silver Medallion: One free checked bag up to 70 lbs on domestic flights and 50 lbs on international flights.
SkyMiles Gold Medallion: Two free checked bags up to 70 lbs on domestic flights and 50 lbs on international flights.
SkyMiles Platinum and Diamond Medallion: Three free checked bags up to 70 lbs on domestic flights and 50 lbs on international flights.
Any SkyMiles Medallion member in Premium Select: Three free checked bags up to 70 lbs on domestic flights and 50 lbs on international flights.
Any SkyMiles Medallion member in first class or Delta One: Three free checked bags up to 70 lbs on all flights.
Premium cabin
In addition to more space and additional food and beverage options, those traveling in premium cabins receive extra bag perks, too (no matter what their elite status tier).
Delta Premium Select: One free checked bag up to 50 lbs.
First, business and Delta One: Two free checked bags up to 70 lbs.
Credit cards
The real value sinks in if traveling with others because they can check one bag for free, too. Up to eight additional companions on the same reservation as the cardholder can check one bag for free.
The only bummer about this benefit is that this perk does not apply when departing from Paris Charles de Gaulle or Amsterdam.
These are the eligible cards with this benefit:
At $35 per bag (per way), that’s a savings of $630 if you travel as a group of nine. That can really take the sting out of paying an annual fee for any of Delta’s credit cards. Frequent flyers can actually come out ahead when you consider the perks of several Delta cards, like SkyClub access with the Delta SkyMiles® Reserve American Express Card(annual fee: $650; see rates and fees ).
If you do not have a Delta co-branded credit card, but still want to save cash, there are other workarounds, too. Many cards, like The Platinum Card® from American Express and Chase Sapphire Reserve® , come with travel credits tied to the card.
When spending money with Delta, bag fees would be refunded up to a certain amount. American Express requires that you designate Delta as your preferred airline at the beginning of the year. You would receive up to $200 back. Chase offers up to $300 with no specified airline requirement. Terms apply.
Top cards for Delta flyers
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Reserve American Express Card
Annual fee
$0 intro for the first year, then $150
Earning rates
• 2 miles per $1 on purchases made directly with Delta and at U.S. supermarkets and restaurants (including takeout and delivery in the U.S.).
• 1 mile per $1 on all other eligible purchases.
Terms apply.
• 3 miles per $1 on eligible purchases made directly with Delta and on hotel purchases.
• 2 miles per $1 at U.S. supermarkets and restaurants (including takeout and delivery in the U.S.).
• 1 mile per $1 on all other eligible purchases.
Terms apply.
• 3 miles per $1 on eligible purchases made directly with Delta.
• 1 mile per $1 on other eligible purchases.
Terms apply.
Other benefits
• First checked bag free.
• Priority boarding.
• No foreign transaction fees.
Terms apply.
• Companion certificate (main cabin).
• First checked bag free.
• Priority boarding.
• No foreign transaction fees.
Terms apply.
• Airport lounge access.
• Companion certificate (first class, Delta Comfort+ or main cabin).
• Credit for application fee for TSA PreCheck or Global Entry
• First checked bag free.
• Priority boarding.
• No foreign transaction fees.
Terms apply.
Learn more
Carry-on bag restrictions
The bag you bring on board should follow a combined length, width and height limit of 45 linear inches with the size restrictions also being 22 inches long, 14 inches wide and 9 inches tall. There are sizers at the check-in and gate areas for travelers to measure their luggage; this includes handles and wheels. Interestingly, there is no weight limit for carry-on bags as long as they follow these size metrics.
If you are flying from Beijing or Shanghai, however, Delta will require the carry-on to be 22 lbs or less.
Delta makes exceptions for musical instruments, strollers, car seats and nursing mother accessories. There are no size limits for these items although they must be able to securely fit in the cabin.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Gold Business American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card, see this page.