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Showing off luxury homes that cost millions of dollars to build is quite the process. Every detail has to be on point, ensuring that the quality materials and high-end finishes are beautifully complemented by just the right decor choices, for maximum impact.

The goal is pretty clear — to showcase the property in the best possible light, and to make it easier for the would-be buyers to imagine themselves living there. And, of course, to make them more amenable to parting with hefty sums of money to make the house their own.

But how can sellers master the art of staging multimillion-dollar homes? In this article, we’ll go over some key strategies to make luxury home staging a success.

Understanding the target buyer and their preferences

To understand the target audience, we will need to first get into how the luxury home market works and what attracts buyers in this price range.

And no, we’re most certainly not suggesting you stalk potential buyers online to find out what their hobbies are and stage the home accordingly — much like Modern Family’s Phil Dunphy once did, in a hilarious episode of the long-lived sitcom.

If you know the price range of the property, the very first thing you should do is your homework: pull up as many similarly priced listings as you can, and start studying each and every one.

What are some of the most common design elements employed throughout? What types of design styles look best? Which types of light fixtures, artwork, and statement decor make the biggest impact? Write down everything that catches your eye and you already have a great starting point.

Photo credit: Pascal Riedel / Dreamstime

Refine your buyer persona

Your next step should be to look into the demographics of potential buyers for your specific property. Who would be most interested in buying the house?

Focus on their age, cultural background, profession etc. Marketing becomes a lot easier when you actually know your customers. Now, divide them into specific categories (e.g., young tech entrepreneurs, international investors, retirees looking for a second home) to understand their preferences.

And from there, it’s a no-brainer. Techbros may prefer homes with cutting-edge technology, international investors might look for strong ROI and a positive legal plus tax environment, while retirees may seek exclusive amenities like a private pool. Find that right fit and things will flow smoothly from there.

Meet them where they’re at

Remember that luxury buyers often make decisions based on emotional appeal or status. Understand what triggers these emotional responses — such as a grand entrance, unique features, or high-end finishes, and try to tap into that.

Costs and investments to keep in mind

Typical McMansions rent over-the-top furniture, art, lighting, and thousands of other types of accessories to appeal to their customers. To move these extremely expensive items, you’ll need professional movers. And if your schedule is tight, you’ll need to cough up some extra bucks. Also, watch out for an additional storage fee if the items can’t be delivered in time. 

Working with real estate agents adds another layer of expense. Some stagers work on a commission basis, taking a percentage of the final sale price. There are also costs for joint marketing efforts like professional photography, virtual tours, and brochures to put the home on display.

Overall, the money that goes into staging includes renting luxury furnishings and decor. Which, depending on the property’s size and needs, can range from a few thousand to tens of thousands of dollars. A home value calculator can be a great tool to get a clearer picture of what the price should be — so that you can factor in all of the above costs, and bake them into the listing price.

The science of layout and flow

To make a home functional as well as aesthetically pleasing, you need a clear understanding of how people see and move through space. The next step is to make strategic choices that account for this aspect. Choices that will highlight the home’s best features all the while maintaining a sense of harmony.

Entryway

Photo credit: Witriyani Nurhasanah / Dreamstime

Firstly, the entryway sets the tone for the entire home. Keep it open, uncluttered, and welcoming. Opt for neutral or pastel colors on the walls.

You may also play around with textures without creating visual clutter— like a woven mat or a smooth bench. However, if you would like to incorporate vibrant colors, just make sure your designers know the difference between tacky and tasteful.

Focal points

Photo credit: Andrei Dzemidzenka / Dreamstime

Think about focal points and pathways — every room should have a clear eye-catching focal point. It could be anything like a large window with a view, a piece of art, or a furnace.

The layout for pathways should feel easy to move through. You want to maintain a natural flow, an unobstructed path. So it’s best to not have any large furniture that takes away from the charm.

Lighting

Photo credit: Yulia Ryabokon / Dreamstime

Now, let’s talk about the power of lighting and reflective surfaces. Install pendant lights or scones for warm, inviting lighting. Consider adding a small table lamp or LED strip on the entryway.

Reflective surfaces are amazing at creating a particular mood or ambiance. Mirrors help reduce harsh shadows and distribute light more evenly throughout a room. For example, glass tables, metallic accents, or mirrored furniture are a great way to make an area look polished.

Virtual and augmented reality staging

If investing in quality staging and upscale furniture just isn’t in the budget — especially after a pricey building process — VR and AR can serve as great alternatives to showcase a property for potential buyers (particularly if you’re targeting out-of-state or foreign buyers). Here’s how:

  • Detailed views: Use VR or AR to create detailed, 360-degree views of standout features like custom-built kitchens, luxury bathrooms, or unique architectural details.
  • Immersive walkthroughs: Create VR tours that let potential buyers walk through the property as if they were physically there. Keep the focus on spacious living rooms or scenic views, with detailed commentary or annotations.
  • Virtual open houses: Host virtual open houses using VR to allow foreign investors to explore the property in real-time.
  • Real-time customization: Include features that allow buyers to make real-time modifications like changing wall colors or flooring options. For instance, light-colored wood floors generally make a room look bigger. Marble can also make a space feel larger, especially if it’s light in color with minimal veining. Both options can work in this context so it is best to have an option to try out both of them.

More stories

Do You Pay Taxes When Selling Your House?

Great Ways to Increase the Value of Your Home: the 3 Areas with the Biggest ROI

A Complete Guide to Flipping Houses

Source: fancypantshomes.com

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Distance learning can offer students the flexibility to balance coursework with working, taking care of family, and other responsibilities. The cheapest online colleges can help you minimize student loan debt while working toward a degree and career advancement.

Online colleges offer degrees across a wide range of academic disciplines. In 2022, around 26% of college students were taking online classes exclusively.

This guide will explore online college costs, the least expensive online colleges, and strategies to pay for an online degree.

Overview of Online College Costs

Whether studying in-person or online, college costs typically include more than just tuition.

Students taking online classes may have to pay technology fees and purchase books and materials depending on their area of study. The cost of an online degree can also vary by institution and in-state vs. out-of-state residency.

Here’s a closer look at the main cost considerations for online colleges.

Recommended: Guide to Paying for College

Tuition and Fees for Online Programs

Like traditional college, tuition and fees account for most of the cost of attending online college.

Tuition usually varies based on enrollment status or, in other words, whether you’re a full-time vs. part-time student. Part-time students pay per credit hour, whereas full-time students taking 12 to 18 credits per semester may pay a flat rate.

Online programs may also include fees on top of tuition, such as a technology or distance learning fee, to access virtual resources and technical support services.

Cost Comparison: Online vs. On-Campus

Students considering studying online vs. on-campus may ask which is cheaper. In short, it depends on the institution, degree program, and location, but studying on campus tends to be more expensive.

For example, a first-year, in-state undergrad at Penn State’s University Park campus would pay $19,672 in tuition and fees for the 2024-2025 academic year. Meanwhile, an online undergraduate student would be charged $7,678 per semester, or $15,356 for the academic year.

Looking at tuition and fees is just part of the cost comparison. The total cost of attendance for studying on campus could include transportation expenses, room and board, and a meal plan — all costs that may not be incurred with the cheapest online colleges.

In-State vs. Out-of-State Online Tuition

The cost of online college can vary based on where you live.

At public institutions, students with in-state residency may benefit from subsidized tuition, even for online degree programs. However, most private schools do not differentiate tuition costs between in-state and out-of-state students.

Recommended: In-State Tuition: A Look at Establishing Residency

10 Affordable Online Colleges to Consider

Looking for the cheapest accredited online colleges? Here’s a short list of affordable online colleges to consider.

Institution In-State Cost Per Credit Hour Out-of-State Cost Per Credit Hour
University of North Carolina at Pembroke $42 $208
University of Florida Online $129 $553
University of Central Florida $179 $716
Eastern New Mexico University $298 $380
Great Basin College $193 $255
Clayton State University $5,780 (annual tuition) $5,780 (annual tuition)
Western Governors University $8,300 (average annual cost) $8,300 (average annual cost)
University of Wisconsin – Madison $500 $500
Kennesaw State University $190 (plus $340 online learner fee per semester) $190 (plus $340 online learner fee per semester)
University of West Florida $219 $324 (Alabama residents)
$648 (other non-Florida residents)

Factors Contributing to Lower Online College Costs

Why are online colleges cheapest for earning a degree? For starters, traditional colleges with in-person learning offer a range of experiences and infrastructure for students that online colleges don’t.

With online college, students have a much wider range of institutions and degree programs to choose from, increasing their options for an affordable education. Taking classes from home also avoids having to relocate and pay for moving costs.

Here are some additional factors contributing to lower online college costs.

No Campus Facilities or Housing

Dormitories, campus quads, athletic facilities, and many other facilities that define a quintessential college campus require a considerable budget to maintain. Besides tuition, students taking classes in-person may be required to pay for on-campus housing and meal plans for a portion of the full duration of their enrollment.

Meanwhile, students enrolled in online college are typically spared from paying housing and campus facility costs, including parking and recreation fees.

Recommended: Cheapest States to Go to College in the United States

Lower Administrative Overhead

Besides teaching faculty, traditional colleges require onsite staff to support student life on campus. This may include health services, campus events, dining services, and other areas related to student well-being.

With less support staff, online colleges have comparatively less overhead cost to meet the needs of their students.

Technology and Course Delivery Methods

Online colleges may charge additional technology fees for students enrolled in distance learning. However, online students could save on the cost of books and materials if primarily using digital resources for their coursework.

Taking classes online vs. in-person lectures can save on transportation costs, too, which average $1,360 annually for students who commute to college.

Flexible Scheduling and Self-Paced Options

Self-paced online programs allow students to watch lectures and complete assignments at their own speed. This approach can make it possible to take online classes while working or juggling family commitments, helping to pay for school and save on childcare costs.

Additional Cost-Saving Strategies

Though online college can be more affordable, students might consider other options for lowering costs.

Wondering how to pay for college? Here are some additional ways to reduce the cost of going to online college.

Transfer Credits and Prior Learning

Students who previously attended another institution could save on their online education by transferring credits. Transferring college credits usually involves an application fee or enrollment fee, but that’s still cheaper than taking the credit hours anew.

Financial Aid and Scholarships

Around 87% of college students receive some form of financial aid. Most colleges with free tuition or income-based tuition are in-person institutions, though students enrolled in online programs may qualify for financial aid and scholarships to help cover the cost of tuition.

When browsing online programs, keep in mind that colleges and universities must be accredited for students to be eligible for federal student aid, such as Pell Grants and federal student loans. Online students may also leverage private student loans and state and institutional financial aid in the form of scholarships or grants.

Already in the workforce? There are jobs that pay for your degree through scholarships or tuition reimbursement that could be a fit for your academic and professional goals.

Recommended: How to Complete the FAFSA Step by Step

Accelerated or Competency-Based Programs

An online competency-based or accelerated program is another option for students to learn at their own pace instead of following a set semester schedule.

Generally, students can choose when to take an assessment to demonstrate they’ve mastered a competency, potentially earning their degree faster and at a reduced cost.

The Takeaway

The cheapest online colleges can make earning a college degree more affordable. Besides the cost of tuition and fees, financial aid and long-term career goals are important considerations when comparing schools and degree programs.

To pay for your online education, you can use cash savings, grants, scholarships, and student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

What is the cheapest accredited online college?

The cheapest accredited online college on our list is University of North Carolina at Pembroke. Note that the cheapest online college can differ based on a student’s chosen program, credit hours, and residency status.

Are cheap online degrees worth it?

A cheap online degree can offer a flexible and affordable path to higher education and career advancement. When evaluating online degrees, consider the program’s cost, curriculum, and reputation.

How can I maximize cost savings for an online degree?

You can save on online college by enrolling in a program offering cheaper in-state tuition or self-paced learning to earn a degree in less time.

Do employers value cheap online degrees?

Employers will value a cheap online degree the same as a traditional degree if it’s from an accredited institution and meets the same academic standards. Earning an online degree while working also demonstrates time management skills to potential employers.

Photo credit: iStock/DisobeyArt

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Source: sofi.com

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Is driving for Uber worth the money? I gave Uber a try in my suburban Maryland town and even made a video about it. Let me take you through my up-and-down experience testing Uber as a side hustle. Read to the end for the details on what I earned and how you can learn from my rookie ways.

Signing up, renting a car and getting started

Before Uber, I tried DoorDash and found the sign-up process to be a cinch. Signing up to become an Uber driver was more involved, but still easier than applying and interviewing for a traditional job. I downloaded the Uber Driver app, let it take a photo of my face and submitted my driver’s license to kick off the background check. It took two days to complete, including a criminal background check and review of my motor vehicle record.

If you plan to drive your own car, you’ll need a 12-year-old or newer four-door vehicle in good condition. In my state of Maryland, I’d need to upload proof of vehicle registration and insurance, and my car would need to pass a vehicle inspection. Vehicle requirements vary by state.

I didn’t think it would be realistic to drive my personal vehicle, a gas-guzzling full-size pickup, so I arranged to rent a midsize passenger car through Uber. Uber partners with rental companies such as Hertz and Avis to offer access to designated rideshare cars that come with insurance and basic maintenance.

Using Uber’s online vehicle marketplace to reserve a rental for the week was easy, but picking up the car a couple days later was pretty miserable.

The waiting room of the local Hertz office where Uber directed me was packed (presumably with other Uber drivers), and the staff was visibly overwhelmed. After a three-hour wait, I got my ride, a road-worn Chevrolet Trax subcompact SUV. I had reserved a bigger car, but was willing to take anything at that point. Uber advertises rental car rates as low as $260 per week.

Driving people around

With an uncool but efficient car in my possession, it was time to Uber. I did three “shifts” over the course of three days, and was active in the Uber Driver app for a total of 10 hours.

Friday evening

My first shift was on a summer Friday, starting at 6 p.m. I figured weekend vibes would make for good money. When I took an Uber to pick up my rental the day before, my driver said $100 would be a reasonable goal for a Friday evening.

In theory, I’d stay within the confines of Bel Air, my small town about 50 minutes north of Baltimore. In practice, I had just two trips that kept me close to home. One of those trips involved cramming four people into the tiny Trax for a white-knuckled ride from a brewery to a bowling alley. I made $6.20, didn’t get a tip, and came close to a panic attack during the eight-minute ride.

Trip fares increased as I ventured farther from home, but bigger fares came at the cost of time. I made $24.03 on a trip that took more than 45 minutes to complete, counting the time it took to get to the passenger. After it, I felt like I hit the jackpot with a $30.42 ride offer. I quickly hit accept in the app and drove 15 minutes to pick up the passenger.

My elation turned to exhaustion after I drove the rider south of Baltimore and found myself 40 miles from home after 9 p.m. I got home around 10 p.m. and called it a night with $69.40 in total earnings, well shy of my $100 goal. I had completed four trips in about 3½ hours.

Tuesday mid-morning

I got back to Ubering a little after 10 a.m. the following Tuesday despite the “hourly trends” information in the Uber Driver app showing weak demand in my area. I found myself getting matched with shorter trips, but had to meander through multiple neighboring towns to find each one, wasting a lot of time between rides (which is an Uber no-no). I drove for three hours and 40 minutes that day and earned just $34.97.

Wednesday morning

My shift was shorter Wednesday. This time, I followed the app’s trend data, which showed higher demand around 7 a.m. My first ride match came quickly, was close to home, and netted me $14.28.

But it took nearly an hour for the next trip offer to come, which was a $25 trip down to Baltimore. I accepted the offer, drove 20 minutes to pick up a passenger who was heading to work and made the 40 minute drive south. I spent most of that ride moving slowly through traffic-light-laden streets in complete silence. It was only my second ride of the day, but when it was over, I decided I’d had enough of this side hustle. Wednesday’s total was $39.36 after two rides and three hours active in the Uber Driver app.

My total earnings

In all, I made $143.73 over the course of three Uber “shifts” and roughly 10 hours of driving. I put 305 miles on my Uber rental and had to fill the tank once at a cost of $38.80. Total earnings (minus the cost of gas) were $104.93, or $10.49 an hour.

Given that the minimum wage in Maryland is $15 per hour, I’d say driving for Uber wasn’t worth the money for me. I don’t describe this test as a failure, though.

What I’d do differently next time

I learned a lot from the experience and will change things up if I drive for Uber again. Here’s what I would do differently next time.

I’ll start in a hotspot. Keeping close to home, as I tried to do, was a bad move. Demand was low during the day in Bel Air. As you’d expect, demand in and around Baltimore was regularly strong. It hit me after I dropped off my last passenger in the city that Wednesday. I was immediately prompted with trip offer after trip offer, which I repeatedly declined, because by that time, I had decided to end the test and return the rental car.

Next time, I’ll be more strategic, and spend time studying the earning trends in the app (which are conveniently displayed by location when you open the Uber Driver app and scroll down). I’ll drive to the higher-demand part of my region to start shifts. Simple as that.

I’ll give airport rides a try. The Uber Driver app also shows peak flight hours at nearby airports. I didn’t feel comfortable queueing up in the rideshare waiting area at BWI as an Uber newbie, but it might be worth a try next time. It’ll probably be a good way to nab a longer trip with a higher fare.

I’ll use my own car instead of a rental. I didn’t factor in the cost of my rental because I rented just for the purposes of this side hustle test, but I can’t shake the negative experience. The wait time was wild, and the car I got was subpar. I think this is a gig where it pays to have your own reliable, efficient car, and you’ll want to maintain it regularly. Prospective gig drivers might want to consider rideshare insurance, too.

I’ll need to do a better job to make Uber worth the money next time — if there is a next time.

Source: nerdwallet.com

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When electioneering, the best pledges are catchy enough to get stuck in a voter’s head. During this election, “no tax on tips” seems to be the phrase fitting that bill.

Both presidential candidates are embracing the promise to exempt workers from paying taxes on their tips. But the problem with no-tax-on-tips proposals, experts say, is that they’re clearly a bid for votes rather than a substantive solution to address the fundamental needs of tipped workers.

“This wouldn’t help very many workers, and it could actually be very harmful to millions more, with the real benefits of this policy change going to employers and the wealthy at the expense of working people,” says David Cooper, researcher from EPI Action, a nonpartisan research and advocacy organization.

How a no-tax-on-tips promise entered the election

On June 9, former President Donald Trump made a promise to end taxes on tips in front of service workers in Las Vegas. Last weekend, in Las Vegas, Vice President Kamala Harris made a similar pledge. It’s no coincidence that both candidates made the announcement in Las Vegas — leisure and hospitality is the dominant industry in the metro area, Bureau of Labor Statistics data shows.

On Monday, White House press secretary Karine Jean-Pierre said that President Joe Biden also supports eliminating taxes on tips for service and hospital workers, as well as raising the minimum wage.

The policy is undeniably appealing for tipped workers and the unions that represent them. After all, who doesn’t want a tax break when they can get it? Experts say the message to voters may be effective, but the policy is less likely to be.

“I’d say, thumbs down to the policy proposal; it’s bad tax policy,” says Kyle Pomerleau, a senior fellow studying federal tax policy and reform at American Enterprise Institute, a right-leaning think tank.

How do tips factor into wages?

Tipped workers are some of the most visible workers: They’re taking your coffee order, cutting your hair, serving your meals in restaurants, delivering your groceries and ridesharing you around town. And yet, the Budget Lab at Yale University estimates there are only about 4 million workers in tipped positions in 2023 — about 2.5% of the entire U.S. workforce.

The most typical tipped work is in the service and hospitality industry. Tipped workers also tend to be younger than the rest of the working population — 20 to 34 years old, according to Yale Budget Lab.

In order to qualify as a tipped worker, you must earn more than $20 per month in tips. In tipped positions, workers must receive a subminimum wage, also known as a cash wage, of $2.13 per hour. A subminimum wage is combined with tips in order for workers to earn at least the federal minimum wage of $7.25 per hour. If an employee earns a subminimum wage plus tips less than $7.25 per hour, an employer must make up the difference.

There’s also something called tip pooling that’s often done in restaurants; it’s where the front of the house (servers and bartenders) share their tips with each other, as well as with the back of the house (such as cooks and dishwashers). In this scenario, all employees who receive pooled tips — including the workers who earn the tips — must make at least the federal minimum wage, according to the Department of Labor.

It’s unclear how often restaurants properly adhere to wage rules because tipping is notoriously underreported. Although, that’s less of an issue now since most people pay electronically and don’t leave cash tips as often anymore, says Howard Gleckman, senior fellow in the Urban-Brookings Tax Policy Center at the Urban Institute.

How do taxes on tips work?

Median weekly wages, including tips, are $538 among tipped workers, compared to a median of $1,000 among non-tipped workers, according to 2023 estimates by Yale Budget Lab. Many tipped workers earn so little they already aren’t required to pay federal income taxes; Yale Budget Lab estimates this is the case for about 37% of tipped workers.

It’s likely only a small sliver of the tipped worker population would get the tax advantage that Trump and Harris propose — and that’s without knowing what specific income limits would be set by either candidate’s plan.

“Think about somebody who is a server at ‘Bob’s Diner’ — it has a $9.95 special and [the server] is going to get two bucks,” says Gleckman. “If you’re a server at some fancy downtown steakhouse where dinner is $200, you’re going to get 40 bucks, right? So for those higher income servers, this [policy] can make some difference. But for most people, it won’t really matter at all.”

There’s another important distinction about tips and taxes: Even when workers don’t have a federal income tax obligation, workers and their employers must pay federal payroll taxes, which fund Social Security and Medicare programs. That also means they must continue to report tips, even if federal taxes on tips are eliminated; also, the proposals would not affect state income tax requirements.

Neither Trump or Harris has specified whether their proposals would apply only to the federal income tax. But if the No Tax on Tips Act, introduced by Sen. Ted Cruz (R-Texas), is any indication, the exemption would likely only apply to federal income taxes.

How much would no-tax-on-tips save a typical tipped worker?

Tip earnings are hard to characterize since the amount varies drastically based on the type of service that workers provide, as well as local minimum wage laws. But the Tax Foundation offers an example: Say a server earns $19,000 per year in wages plus $15,000 in tipped income. Their adjusted gross income is $34,000. They take a standard deduction of $14,600, which leaves them with $19,400 in taxable income. Under this example they owe $2,096 in federal income taxes.

With a no-tax-on-tips policy in effect, their adjusted gross income is $19,000 since the $15,000 income in tips isn’t considered taxable. They take a standard deduction of $14,600, which leaves them with $4,400 in taxable income. Under this example, their tax liability is $440. It’s the difference of $1,656 from the previous example.

As the Tax Foundation points out, a cashier who makes the same $34,000 — without tips — would have the same $2,096 federal tax liability in either scenario, and so would be paying vastly more in taxes than the server under a no-tax-on-tips policy.

Experts say no taxes on tips is bad policy

Suffice to say, tax and wage experts are unimpressed with the no-tax-on-tips proposal.

“This wouldn’t help very many workers, and it could actually be very harmful to millions more, with the real benefits of this policy change going to employers and the wealthy at the expense of working people,” says Cooper.

Here are some reasons why experts say exempting tips from taxes could have negative repercussions, depending on how the policy is structured.

Social programs and other tax benefits could be impacted

If a no-tax-on-tips proposal includes an exemption for the payroll tax in addition to the income tax, it could impact both worker eligibility for Social Security and Medicaid, as well as the solvency of the program itself, says Cooper.

This scenario isn’t necessarily likely. Even though Trump has not specified if his proposal would apply to both the federal income tax and the payroll tax, Cruz’s No Tax on Tips Act applies the exemption only to the federal income tax. It’s difficult to see Harris applying the exemption to the payroll tax.

But depending on how the law is written, no-tax-on-tips could make it more difficult for workers to get other tax benefits like the earned income tax credit or the child tax credit, experts say.

“If you’re a household with children, those credits phase-in with earned income, meaning that they are larger the more income you earn, up to a certain point,” says Pomerleau. “But if you were to structure this tax exemption as an exemption from adjusted gross income, it would directly interact with the earned income tax credit in the child tax credit and reduce those benefits for households.”

No matter what, says Pomerleau, no-tax-on-tips would add tax complexity for a population of tax filers that, generally, do not have access to accountants to help them through the process. That could result in more workers not filing taxes or not being able to access the benefits they are eligible for.

High earners could find a loophole

A tax exemption on tips leaves open the possibility of exploiting the system. Some in high-income positions like lawyers, for example, could restructure how their earnings are reported to avoid paying taxes on a portion of their income.

“You could envision a lot of scenarios where this would be really grossly abused by highly paid individuals,” says Cooper.

The Harris campaign told The Washington Post that, under her plan, the tax exemption would only apply to workers who earn below a certain threshold in select industries. This would prevent high earners in nontraditional tipping positions from gaming the system. There is currently no bill from Democrats in Congress that matches Harris’ plan.

Trump’s proposal and the No Tax on Tips Act from congressional Republicans doesn’t narrow industry eligibility or impose income limitations.

It could reduce employers’ need to raise wages

The tax benefit presents a double whammy benefit to owners: a tax benefit that appeals to workers and an opportunity to save money by shifting the pay burden from owners to consumers.

“It’s a win-win for restaurant owners, hotel owners, like, for example, Donald Trump,” says Gleckman. “But it’s much more ambiguous and much riskier for tip workers, particularly low-income workers.”

Cooper says this policy won’t incentivize employers to raise raises for workers because there’s a tax benefit inherent to the job. But it could incentivize businesses to reclassify certain positions as tipped occupations.

“The tipping system, as it currently exists, is rife with wage theft and discrimination,” says Cooper. “It opens up workers to abuse from customers and colleagues because they feel like they have to tolerate bad behavior, lest they put their kids at risk. So this [policy] would grow a system that is problematic in a lot of ways and spread it to more occupations. That’s not something that we should be incentivizing.”

The deficit would increase, although not substantially

Tax cuts lead to a decline in revenue, which could, over time, exacerbate the federal deficit; it’s currently about $1.52 trillion, according to the U.S. Treasury. The Committee for a Responsible Federal Budget estimates the cost of exempting tips from federal income tax would be $100 to $200 billion over a decade. If tips are also exempted from payroll taxes, the total could run to $250 billion.

If the policy makes tips exempt from the payroll tax, it would have broader repercussions for Social Security and Medicaid programs, experts say.

“These programs are already facing a fiscal shortfall and will need to be dealt with, in as little as ten years,” says Pomerleau. “If they were to remove $38 billion, potentially from the face of Social Security and Medicare, I would accelerate this problem.”

It could exacerbate tipping backlash

As the CRFB notes, what’s not included in its calculations are changes in tipping behavior, which could result in consumers giving less than they do now if they perceive tipped workers as getting an unfair tax advantage.

A backlash to tipping culture has already resulted in 7% lower tipping among service-sector workers from November 2022 to November 2023, according to a payroll analysis by Gusto, a payroll provider.

It could fuel worker resentment

On the flip side, excluding certain tipped jobs by field or income could stir the pot among workers and the unions that represent them.

Cooper says, “Why would we be giving preferential income tax treatment to this very small subset of workers when there are lots of other hard working, low-paid workers — people providing daycare, childcare, eldercare — that this would do nothing for?”

Gleckman says the policy violates a “cardinal rule of good tax policy,” which is to tax people making the same income at the same level. “I’m not sure I quite understand why a low wage worker somehow should enjoy more benefits than a low wage worker of another kind who’s getting the same income,” says Gleckman. “If you really care for a bunch of low wage workers, there are plenty of other things you could do.”

Unions and businesses groups support no-tax-on-tips

Despite criticism of the no-tax-on-tips proposal, it would benefit workers who are eligible. Adding limitations by industry and income could prevent the exemption from being a regressive one.

Shortly after Harris’ announcement, Culinary Union Local 226 in Nevada endorsed Harris for president and lauded the proposal without acknowledging Trump’s. The union, along with the Bartenders Union Local 165, represents 60,000 workers in Las Vegas and Reno. The Culinary Union argues that the tax exemption could help millions of workers that earn a subminimum wage.

“The fact that many companies pay tipped workers across the country $2.13 an hour is outrageous and ending taxes on tips for service and hospitality workers would significantly help millions of workers provide for their families, including in Nevada,” the union wrote in its press release endorsing Harris.

Businesses that employ tipped workers also support the plan. At least, Cruz’s plan, which would not limit the exemption by industry and income. Two of the biggest associations for the top tipped industries — the National Restaurant Association and the Professional Beauty Association — both endorsed Cruz’s proposal.

“Tipped employees are a critical part of the restaurant industry, and anything that strengthens their economic condition is a positive for them,” said Sean Kennedy, executive vice president of public affairs for the National Restaurant Association in a press release announcing Cruz’s bill. “The ‘No Tax on Tips Act’ would provide immediate tax relief for more than 2.2 million restaurant employees and their families, putting more money in their pockets at a time when we’re all feeling the squeeze of higher prices.”

Ending the subminimum wage would pack a bigger punch

During the campaign rally in Las Vegas last weekend, when Harris made her promise to end tax on tips, she also said she would raise the minimum wage. What she didn’t promise to do is eliminate the subminimum wage, which would have a bigger impact on tipped workers.

“Why not do something like raise the minimum wage if you really want to improve outcomes for tipped workers in the United States?” says Cooper.

The federal minimum wage for all workers has been $7.25 per hour since 2009. However, 30 states plus the District of Columbia have set minimum wages above that amount. Again, the federal subminimum wage is $2.13 per hour. Right now, 36 states have set minimum wages for tipped workers below the federal minimum wage of $7.25 per hour.

The tipped workers who earn the most, nationwide, are in Los Angeles ($16.78 per hour); Seattle ($17.25 per hour); and New York City, where tipped workers earn $15 per hour with the exception of delivery workers, who earn a minimum of $17.96 per hour.

Other places have eliminated the subminimum wage practice altogether. So far six states have banned subminimum wages for tipped workers, including Alaska, California, Minnesota, Montana, Oregon and Washington.

“It is outrageous that over a million workers in this country are not guaranteed a fair minimum wage in 2024,” the Culinary Union 226 wrote in a release endorsing Harris’ proposal. “Employers across the nation need to take responsibility for paying a real minimum wage and Congress must ensure it.”

Beyond raising the minimum wage, there are other levers that could be pulled to help low wage workers, experts say. That includes expanding income supports like the child tax credit, the earned income tax credit or Medicaid.

Source: nerdwallet.com

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With its thriving job market, world-famous live music scene, outdoor activities, and unique local cuisine, Austin has long been attracting new residents from outside state lines.

The Texas city has seen its population double every 20 to 25 years. In fact, recent city data shows that people moving to Austin from other parts of Texas and other states made up 45% of the growth recorded in the city’s metro area between July 1, 2022 and July 1, 2023.

And even though this has been a major contributor of growth to the Austin region, recent figures show slower growth in the last couple of years, with the influx of residents from pricier cities driving up the cost of living and making it less appealing for potential newcomers.

Nevertheless, we wanted to see what drives people to move to Austin. What in particular makes this Texas city so attractive — particularly to people from other states? And it turns out, there’s lots to love about living in Central Texas, and it’s not just affordability.

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Great people, welcoming business environment

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Dillon Forte, a famous tattoo artist who has inked celebs like Usher, Kat Von D, and Chris Hemsworth, chose to move out of Los Angeles and built a tattoo ranch just outside of Austin.

“I was living and running my shop in Venice, California, when I realized I needed a significant change for my family and the tattoo business,” says Dillon, owner and tattoo artist at FORTE Tattoo.

“I think the buzz of living around Los Angeles wears off when you get past your 20s, especially if you don’t have to be there for whatever you do. A majority of my clientele comes from all over the country and even from around the world.” 

Settling down in the Texas city brought a positive change in Dillon’s life, with both his family life and business thriving in Austin’s welcoming environment.

“The people of Texas are just incredible, and my family has really enjoyed the change of pace. But what’s truly exciting is how my business has thrived in this new environment. It really speaks to the potential and opportunities that Texas offers those who appreciate it. Did I mention the food out here is incredible?” 

Easy access to both big-city and small-town lifestyles

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“I had visited Texas many times and fell in love with its energy and culture while also appreciating the land and landscapes surrounding it. A few years back, I initially had my shop in Austin and moved it to a large property in Wimberley, just outside the city,” Dillon Forte added.

“This move allowed me to live both a big-city and small-town lifestyle, which is nearly impossible in California.”

Lower cost of living than other tech-heavy metro areas

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Despite the city’s cost of living going up — with many citing the influx of new residents as one of the key factors for the rising prices — Austin is still considerably more affordable than bigger, tech-heavy cities like San Francisco, Boston, or New York City.

Aaliyah Kissick, now a Personal Finance Expert/CEO at Financial Literacy Diaries, experienced that firsthand while living in Austin when her husband was completing his internship in tech.

“Because I was studying financial planning, I was thinking about our future. What stood out to me is the relatively low cost of living. Compared to the rest of Texas, Austin is not as low-cost, but compared to other metropolitan areas with a large tech community, living here is the best bet.”

Real estate prices and living costs

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Originally from Los Angeles, Wendy Rosenthal returned home after spending 10 years living abroad to find an unrecognizable city, one in which the cost of living had skyrocketed — making it difficult to keep up with costs. So she weighed her options:

“Half of my family hails from Texas, so I’ve been visiting its vibrant cities my entire life. In the winter of 2019, while spending time with family in Austin, I decided to casually check out the local housing market,” Wendy reminisced.

“To my absolute astonishment, I discovered that for what I was paying in rent for a 3-bedroom apartment in Los Angeles, I could afford a 3-bedroom house with a huge backyard and pool in Austin for $1,000 less! Intrigued, I delved deeper into the cost of living in Texas. From business expenses to gas, electricity, and even private school fees for my son, everything was significantly cheaper.”

A healthier, more nature-oriented lifestyle

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“The perks didn’t end there,” says Wendy, a successful entrepreneur, author, and life coach who founded Pathfinder 1 to 1.

“The streets were wider, traffic was lighter, and nature surrounded me and lakes, creeks and nature trails were just a short, anxiety-free drive away. Plus, there was a palpable culture of healthy living; every day, you could see people of all ages out walking, running, and cycling. I felt inspired, not imprisoned.

Affordability and a dynamic cultural scene

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Taylor Moore, an adult influencer and co-founder of Teasy Agency, says her recent move to Austin, TX, has been transformative, offering a fresh perspective on the unique benefits of this vibrant city.

“I moved to Austin from Los Angeles, California, because of its affordability, vibrant culture, and business-friendly environment,” Taylor tells us, before sharing that “Moving to Austin felt like hitting the refresh button on life. The city’s affordable cost of living and dynamic cultural scene created an irresistible blend of opportunity and excitement.”

Better work/personal life balance

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“Austin is where Silicon Hills meets Southern hospitality, perfect for someone looking to balance a thriving career with a rich, fulfilling personal life,” Taylor Moore added when citing reasons why she loves living in Austin. “The bustling tech industry and burgeoning creative community provide endless opportunities for innovation and collaboration.“

She pointed out that not only is her business thriving, but her personal life is too, with the city making it easier for her to strike a balance.

“The lower taxes and friendly business environment made it an ideal place for Teasy Agency to grow and flourish. Leaving behind the concrete jungle of Los Angeles, I found in Austin a place where my professional ambitions and personal joys could coexist harmoniously.”

Both family-friendly and entrepreneurial

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Reiterating Taylor’s point, Amy Jackson, Founder and CEO at TaleSplash says that moving to Austin inspired her to start her own business, encouraged by the city’s family-friendly yet highly entrepreneurial vibe.

“I moved to Austin at the end of 2020 after dealing with three consecutive summers of wildfire smoke, power outages, and the pandemic in Northern California,” Amy tells us. “We love how family-friendly and entrepreneurial Austin is. Moving here inspired me to start my own business.“

The city’s diversity and inclusivity

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Another major draw for newcomers is the city’s diverse and inclusive community. “I moved to Austin because of its reputation as a diverse and inclusive city,” says Naomi Clarke, Head of HR at Flingster, who moved here from San Francisco, California.

“As someone deeply involved in community outreach and advocacy for LGBTQ+ rights, I wanted to be in an environment where diversity is celebrated and inclusion is a priority. Austin’s vibrant cultural scene, welcoming atmosphere, and progressive values made it the perfect place to continue my work and feel at home.”

Simply fell in love with Austin while stationed here

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A recent Texas transfer, Paden Sickles is a military veteran who launched her business, SickFit, a unique sock, streetwear, and custom embroidery company after a ruck march destroyed her feet.

“I recently moved to Texas from Savannah, GA, after transitioning from active-duty Army to civilian life. I’m still settling in, but having been stationed at Fort Cavazos (formerly Fort Hood) and living near Austin, I fell in love with the area and couldn’t wait to move back. I yearned for the culture. HEB is fantastic, but it’s really the culture, art, growth, like-minded people, and unique vibe that make it special.”

Solid benefits for military veterans

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Paden Sickles also highlights the many benefits available to military veterans living here.

“I personally believe that Texas is the top choice as far as the best state for military veterans to live. And I say that because Texas just offers so many different things: you have the no-property tax for 100% disabled veterans, you have no state income tax, and then you have the Hazlewood Act for education as well. I may be a little biased, but for my research and what I’ve done, these factors contribute to Texas being a top choice for many veterans transitioning to civilian life.”

A vibrant downtown area

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With a rich sense of history and a thriving entertainment scene, the downtown area is Austin’s beating heart. And newcomers like Rick Havacko, who handles Corporate Communications at Toshiba Business, quickly fell in love with this vibrant part of the city, going as far as calling it “one of the coolest places on the planet.”

“I moved to Austin in October 2021 from Orange County, California. I considered the move while working from home during the pandemic. When receiving approval from my employer to move, the choice was between Austin (where I had visited before and enjoyed) and Nashville, which I had heard such great things about. Upon traveling to both places in the summer of 2021, I decided to hang my hat in Austin. It almost came down to a coin flip though as both areas are so good featuring all the benefits of city life with a rural feel,” Rick said in an exclusive quote for Fancy Pants Homes.

“Beyond the obvious affordability v. California (though property taxes are much higher in Texas), the move has been one of my best decisions. Downtown Austin is one of the coolest places on the planet. It bustles with positive energy with live music at pretty much every turn & the University of Texas at Austin adds to that vibe. I would do it all over again. Happy to live in Central Texas.”

An emerging comedy scene

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Carter Morgan, an international stand-up comedian who’s now busy performing at the Edinburgh Fringe Festival in Scotland, found a completely different reason to fall in love with Austin: the city’s burgeoning comedy scene.

“I travel outside of the US for months at a time doing mini-tours and comedy festivals, so keeping an empty apartment in NYC was getting expensive. I was looking for a new scene and one of my comedy buddies told me to check out Austin,” Carter tells us.

“I can’t lie, I was skeptical at first, but he wasn’t wrong: Texas has no state taxes, cheaper rent and an emerging comedy scene with clubs like the Creek and the Cave (which is run by a NYC expat), Cap City, The Velveeta Room, Fallout Theater, Comedy Mothership, and more. They even have major comedy festivals like Moontower and SXSW Comedy. All in all, the comedy is different and raw, and the scene isn’t as diverse as NY, but there’s still a lot for comedy lovers to like.”

Do you live in Austin? We’d love to hear what you love most about the city!

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Source: fancypantshomes.com

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Every college major requires work, but some fields of study are more rigorous than others. For instance, you won’t find too many people who think that pre-med is a snap. While earning your undergrad degree isn’t going to be effortless, there are definitely some easier college majors out there that won’t be as taxing.

Choosing a less complex major doesn’t mean you’re doomed to a low-paying job for life. In fact, it can be quite the opposite. Read on to learn about 12 relatively easy college majors that can lead to jobs that pay well.

What Makes a Major “Easy”?

The workload for an easier major, like creative writing, probably won’t be as intensive as that of, say, biomedical engineering, neuroscience, or applied mathematics. You likely won’t have long lab sessions, tons of problem sets, and other arduous assignments.

This could make achieving higher grades a simpler proposition. Your noteworthy grades could, in turn, help you get a leg up after graduation. You might be able to step into a higher-paying job more easily, which could help you pay off any private school loans for college you might have.

A college major can also feel easier if it’s a field you’re interested in and passionate about. Your excitement about a major will likely make going to class something you’ll look forward to and the work required seem like less of a drag.

Recommended: A Guide to Choosing the Right College Major

12 Easy College Majors That Ultimately Pay Well

While getting an entry-level job paying a six-figure salary isn’t the norm for these easy college majors, you could still earn big bucks down the road.

Here, you’ll learn about 12 easy majors along with some average entry-level salaries and mid-career pay for positions within each field, according to Salary.com.

1. Marketing

A marketing degree opens up many career possibilities. People who major in marketing can find positions in all types of companies, industries, institutions, and nonprofits. Jobs in marketing include positions focusing on a business’s or brand’s strategy, sales techniques, advertising and communications, or public relations.

Marketing careers can pay off over time.

•   Average entry-level salary: $35,516 for a marketing assistant.

•   Average mid-career salary: $91,870 for a marketing manager.

As you see from that mid-career pay grade, a six-figure salary could be just around the corner.

2. Human Resources

With a college degree in human resources (HR), you can work in many different roles, including talent recruitment, benefits administration, DEI initiatives, or workplace development training.

In terms of landing a well-paying job, here are some salaries to note:

•   Average starting salary: $43,386 for an HR assistant.

•   Average mid-career salary: $94,576 for an HR manager.

3. Hospitality

Do you love looking at fab resorts and restaurants in your social media feeds? This major might be a perfect fit for you. With a degree in this field (which likely doesn’t involve any science labs), you might work in an array of positions. Some examples: hotel, resort, or restaurant management; event planning; or travel booking and tourism, among others.

Some salaries to note for this college major:

•   Average starting salary: $50,949 for an event planner.

•   Average mid-career salary: $76,898 for a hotel manager.

These figures are notably higher than $43,262, which Indeed cites as the current average starting salary in the U.S.

Recommended: Is $50K a Good Salary for a Single Person in 2024?

4. Communications

As one of the most popular college majors, a communications degree can prepare you for many different career paths. Marketing (mentioned previously) can fall under the umbrella of communications. Other areas for employment with this degree include public relations, advertising, journalism, writing, broadcasting, publishing, and social and digital media development.

A sample of the salaries you might expect at different points in your career:

•   Average starting salary: $51,928 for a corporate communications assistant or $45,955 for a social media assistant.

•   Average mid-career salary: $125,700 for a corporate communications manager and $116,090 for a social media manager.

5. Public Relations

Public relations (PR) has a broad reach. If you’re looking to capitalize on a degree in public relations, you might find a job in a small or large PR agency, a corporate PR department, or as an independent consultant to various clients. Since working in PR often involves frequent communication with clients and the public, this field can offer some of the better jobs for extroverts.

•   Average starting salary: $49,383 for a public relations specialist.

•   Average mid-career salary: $93,556 for a public relations manager.

6. Liberal Studies

A liberal arts or liberal studies major allows for a lot of flexibility and variety when it comes to job prospects. Students majoring in liberal arts or studies participate in a multi-disciplinary program, often including courses in humanities, history, art, literature, science, and philosophy. Earning a liberal studies degree can offer students a chance to develop many important “soft skills,” including problem solving, communication, and analytical and critical thinking.

Someone with a liberal arts degree may be drawn toward work in libraries, arts administration, government, or education and academia.

•   Average starting salary: $66,575 for a public policy analyst.

•   Average mid-career salary: $147,140 for a public policy manager.

7. Anthropology

Anthropology focuses on the study of humans in different cultures and societies, spanning various time periods and locations. It may not involve the kind of coursework that, say, studying law does, but it can be a fascinating field.

An anthropologist can work for ethnic or cultural organizations, museums, historical sites, research firms, or as a social or community services manager.

•   Average starting salary: $47,660 for a museum collectors curator.

•   Average mid-career salary: $64,962 for a museum director.

8. History

Knowledge of the past can be a powerful career springboard. Besides becoming a historian, history majors may find work in journalism, teaching, and politics. People with history degrees can also possibly find work at historical societies, museums, and libraries.

•   Average entry-level salary: $57,015 for a library archivist.

•   Average mid-career salary: $85,724 for a senior librarian.

9. Advertising

Advertising often taps a student’s interest in sales and contemporary consumer culture. Careers for advertising majors range from creative pursuits (copywriting or art direction, for instance) to more business-driven ones, such as being an account coordinator or a sales rep.

•   Average starting salary: $47,346 for junior copywriter, $45,686 for a junior graphic designer, or $43,300 for a junior sales rep.

•   Average mid-career salary: $122,524 for a copywriting manager, $122,236 for a graphic design director, or $107,183 for a senior advertising account manager, all of which can be a good salary for a single person.

10. English/Creative Writing

An English or creative writing major may be what many people consider easy. Depending on the path you take, it could lead to a high-paying job. People who choose this field may pursue a job as a proofreader, copy editor, technical writer, book editor, author, or an editor at a publishing company or magazine. These may all be lower stress jobs that are good for introverts.

•   Average starting salary: $44,750 for an entry-level proofreader.

•   Average mid-career salary: $98,101 for a senior editor.

11. Sports Management

Anyone who loves sports (whether participating, watching, or both) may be attracted to a major in sports management. Sports management encompasses a wide array of jobs, including becoming a sports agent, an athletic director, or a sports facility manager.

•   Average starting salary: $51,539 for a sports coordinator position.

•   Average mid-career salary: $69,061 for a sports manager job.

12. Criminal Justice

If you’re always watching procedural dramas on TV, you might be interested in majoring in criminal justice. While this field of study may be considered easy as compared with, say, a mathematics major, that doesn’t mean a career in criminal justice isn’t going to be challenging and rewarding.

Jobs for criminal justice majors can include working in the areas of law enforcement, forensics, investigations, and crime prevention.

•   Average starting salary: $50,733 for a fraud investigation officer or $56,376 for a police officer (plus, you might eventually qualify for federal student loan forgiveness programs) .

•   Average mid-career salary: $123,694 for a fraud manager or $90,671 for a chief detective position at a business.

Factors Besides Difficulty

Now you know 12 relatively easy majors that can lead to a job with high pay. But it’s worthwhile to consider some other factors that should be considered when choosing a college major.

Job Outlook

Some fields are growing faster than others. As you think about your major, it can be a good idea to make sure the one you choose will lead to a field that is growing and will have plentiful job opportunities after college. For instance, if you have a criminal justice degree and want to work in fraud investigations, you might find that there’s considerable growth in digital fraud and focus your education to prepare you for that kind of work.

Passion/Interest

Sometimes what makes coursework in college seem easy is that you love it. Ask any astrophysics major. They may think what they are studying is hard, but because they love it, the pursuit feels engaging and worthwhile.

In other words, if you are passionate about a subject, that can be a good reason to major in it, even if it has a reputation for being hard.

School Prestige

When it comes to getting a high-paying job after graduation, it can help if you pursue a program that your school is known for. For instance, some universities are renowned for having great journalism programs, and that reputation could give graduates an advantage in the job market.

The Takeaway

Getting an undergraduate degree, no matter what the major, requires hard work and dedication. However, there are some majors that fall into the “easier” category such as communications, anthropology, and history. These majors may not require as intensive a curriculum as others (say, chemical engineering), but grads can still go on to earn high salaries.

Regardless of whether your major is considered hard or easy, you may need some help paying for your education.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

Is an “easy” major looked down on?

There may be some people who think certain majors are easy, but virtually all college majors require hard work. After graduation, hiring managers are likely looking for someone who performed well in school, is enthusiastic about their studies, and wants to apply their skills to their chosen career.

Do easy majors require less study time?

How much time and effort a college major requires can depend on the school, the curriculum, and a student’s approach to their studies and their aptitude. It’s not possible to say that all easy majors require less study time.

What are the highest paying majors overall?

According to a 2024 report from the National Association of Colleges and Employers, the highest paying majors are those in the STEM (science, technology, engineering, and math) category. The three highest paying majors are engineering, computer sciences, and math and sciences.

Photo credit: iStock/Drazen Zigic

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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.

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You can actually get paid to go to college. Did you know that? Scholarships, grants, and loans can help, but some programs offer direct payments for attending school. This article will explore the best ways to earn money while studying and provide tips to maximize these opportunities.

Federal Work-Study Program

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The Federal Work-Study Program offers part-time jobs for students with financial need. It helps cover college expenses while providing valuable work experience. By participating, you can earn money to pay for tuition, books, and living costs, reducing reliance on student loans.

Find Tuition-Free Schools

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Tuition-free schools offer financial aid and scholarships covering the entire cost of attendance. While they often have strict requirements, they provide an opportunity to attend college without accumulating student loan debt. Researching and meeting eligibility criteria can help you access these programs and save money on your education.

Learn More: How to Pay for College Without Loans and Student Debt

Scholarships

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Scholarships provide financial assistance to college students, reducing the need for student loans. With numerous scholarships available, students can access funds for tuition, books, and living expenses. By applying for scholarships, you can secure additional income to support your college education and minimize the financial burden.

Learn More: What is the Scholarship System? Plus Q&A with the Founder

Military Tuition Benefits Program

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The Military Tuition Benefits Program assists service members and veterans in paying for college. It covers tuition, fees, and other educational expenses, reducing reliance on student loans. By fulfilling military service requirements, you can access financial assistance and pursue your education without accumulating significant debt.

College Tuition Reimbursement Programs

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Corporate tuition reimbursement programs offer financial support for employees pursuing higher education. Employees can receive reimbursement for tuition costs, minimizing the need for student loans. By taking advantage of these programs, you can invest in your education without incurring substantial debt, enhancing your earning potential and career advancement opportunities.

Learn More: How to Pay for College Without Parents Help

Pell Grant Program

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The Pell Grant Program provides federal financial aid to eligible undergraduates based on financial need. By completing the FAFSA, students can access Pell Grants to cover college expenses without relying on student loans. This program offers essential support for students pursuing higher education, helping them achieve their academic goals and minimize financial stress.

Learn More: Do You Have to Pay Back Financial Aid? FAFSA Answers

Teacher Education Assistance for College Students (TEACRS) Program

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The TEACH Grant Program offers financial aid to students pursuing careers in education. By serving in high-need areas, such as low-income schools, students can access grant funding to cover college expenses. This program supports aspiring educators, enabling them to pursue their passion without accumulating excessive student loan debt.

Armed Forces Health Professions Scholarship Program (HPSP)

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The HPSP provides scholarships to individuals pursuing careers in the health professions. By joining the Armed Forces, recipients receive financial support for tuition, fees, and living expenses. This program offers valuable training and experience while reducing the financial burden of higher education, making it an attractive option for students seeking to minimize student loan debt.

Internships

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Internships provide students with real-world experience and potential income opportunities. Paid internships offer compensation while helping students gain industry knowledge and build professional networks. By securing paid internships, students can earn money to support their college education, reducing reliance on student loans and enhancing their career prospects upon graduation.

Learn More: Best Side Hustles for College Students: Ideas for Fast Money

Ask For Tuition Discounts

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Requesting tuition discounts can lower the cost of college education. Many colleges offer discounts based on financial need or academic performance. By researching discount policies and reaching out to financial aid offices, students can access additional funding to cover college expenses. This proactive approach helps minimize student loan debt and maximize financial support for higher education.

More Ideas on How to Get Paid to Go to School

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Discover additional strategies to earn money while attending college. Explore various opportunities, including scholarships, grants, internships, and tuition discounts, to minimize reliance on student loans and enhance your financial well-being. With careful planning and resourcefulness, you can achieve your educational goals while mitigating the financial challenges associated with higher education.

To learn more: How to Get Paid to Go to School: 18 Ways to Get Paid to Attend College

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Whether you’re looking at homes for sale in Charlotte, NC, already renting a home in Atlanta, GA, or looking for your first apartment in Charleston, SC, decorating your child’s room is no easy feat. Their rooms are more than just a place to sleep; it’s a space where they can play, learn, and grow. Designing a kids’ room requires careful consideration of their current needs and future growth, ensuring the space is adaptable and flexible.

From selecting the right color palette to incorporating educational elements and ensuring the room is safe and organized, every detail contributes to creating an environment that nurtures your child’s development and happiness. Taryn Pratt reminds moms and parents alike to keep an open mind when curating a kids’ space. “Don’t underestimate what you can transform your spaces into,” Pratt shares. “Simple is best. You don’t need to spend a lot of money to make your room look nice.”

Inspiring and practical kids’ room ideas

Whether you’re designing a nursery for a newborn, creating a fun and functional space for a toddler, or updating a room to suit the evolving tastes of an older child, these inspiring and practical kids’ room ideas will help you transform a simple room into a magical haven that your child will love and cherish.

1. Embrace fun

Before diving into the journey of decorating your kid’s room, it’s important to channel the fun spirit of kids. “Kids are passionate about their favorite characters and interests, making their interests the center of the decorating = FUN,” Eboni with CR8JOI shares. “Whether it’s Batman, Barbie, sports, or a particular trending “aesthetic”- use toys and color to bring the theme to life. Since childhood interests change like the wind, focus on elements that can be easily updated. A themed pillow or picture, for example, can be easily swapped out.  A themed room can be a joy-filled space where their creativity can shine.”

2. Themed rooms

Themed rooms, like Eboni shared above, can ignite your child’s imagination and make their space uniquely theirs. These spaces can provide a sense of adventure and excitement, creating an environment that stimulates creativity and play. Themes can also serve as an educational tool, teaching children about different worlds and concepts.

  • Space explorer: Use starry wallpapers to give the illusion of outer space, along with glow-in-the-dark ceiling stickers of planets and constellations. A spaceship bed can become the centerpiece, making bedtime an intergalactic adventure. Incorporate elements like moon and star-shaped cushions and posters of astronauts and spacecraft.
  • Nature lover: Create a forest ambiance with treehouse beds and leaf-shaped rugs. Wall decals of animals, trees, and birds can make the room feel like a walk in the woods. Consider adding a small indoor tent or a reading nook with a nature-themed design to enhance the outdoor feel.
  • Fairy tale: Canopy beds draped with soft, flowing fabrics can evoke a princess’s castle or a knight’s tent. Pastel colors and whimsical furniture like mushroom stools and fairy lights can transform the room into a magical kingdom. Add storybook characters on the walls and a treasure chest for toy storage.

3. Educational spaces

Incorporating educational elements into your child’s room can promote learning and curiosity. This approach ensures that learning is seamlessly integrated into daily activities, fostering a love for knowledge from a young age.

  • World maps: Use wallpaper or decals featuring world maps to teach geography. This can be both decorative and educational, helping children learn about different countries, continents, and oceans. Add interactive elements like map pins or stickers to mark places they’ve learned about or visited.
  • Bookshelves: Accessible bookshelves filled with age-appropriate books encourage reading and independence. Organize books by theme or reading level, and create a cozy reading corner with comfortable seating and good lighting to make reading time enjoyable.

4. Multi-functional furniture

Kids’ rooms often require flexibility as they grow. Multi-functional furniture can adapt to their changing needs, maximizing space and usability. Investing in versatile pieces can save money and space in the long run.

  • Bunk beds with desks: Ideal for shared rooms or small spaces, bunk beds with built-in desks provide sleeping, studying, and storage areas. The desk underneath can be used for homework, art projects, or computer time, making efficient use of vertical space.
  • Convertible cribs: Cribs that transform into toddler beds and later into daybeds or full-sized beds grow with your child. “Kids grow fast,” shares Mikayla Taylor. “Opt for an heirloom-quality convertible crib. With this crib, you can update your kids’ room with each stage up to a full-size bed. It’s a nice keepsake to remember those precious baby days as your child grows.” This adaptability ensures that the bed remains a fixture in the room for many years, making it a smart investment.

5. Creative storage solutions

A well-organized room can make playtime and cleanup easier. Creative storage solutions help keep toys, clothes, and books neatly tucked away, ensuring the room remains tidy and clutter-free. John with RAD Children’s Furniture recommends implementing a toy rotation system to keep their room organized and uncluttered. “Display a few toys at a time and store the rest out of sight. Regularly rotate the toys available to the child. This not only keeps the environment tidy but also renews interest and engagement with their toys. A minimalistic approach reduces overwhelm and helps children focus better.”

  • Under-bed storage: Utilize the space under the bed with drawers or bins for toys, clothes, and out-of-season items. This is a great way to keep the floor clear and make use of every inch of the room.
  • Height-appropriate, kid-friendly shelves: Use vertical space for storage by installing shelves for books, toys, and decorative items. Wall-mounted shelves keep items off the floor and within reach, creating a clean and organized look. Choosing shelving that matches your child’s height, such as our infant and 3-tier shelves is another great option, John with RAD Children’s Furniture also recommends. “This design allows children to easily access their belongings, fostering independence and encouraging self-directed play. It also enhances safety, reducing the need for children to climb or reach for items.”
  • Toy chests: Classic and functional, toy chests can double as benches. Opt for designs with soft-close lids to prevent pinched fingers and add cushions on top to provide extra seating.

6. Personal touches

Adding personal touches makes the room feel special and uniquely suited to your child’s personality. These elements can reflect their interests, hobbies, and achievements, making the space truly their own.

  • Customized art: Frame your child’s drawings and paintings to create a gallery wall. This not only showcases their creativity but also boosts their confidence and sense of pride in their accomplishments.
  • Name decals: Wall decals or wooden letters spelling out your child’s name add a personal touch. Choose designs that match the room’s theme and color scheme for a cohesive look.
  • Photo displays: String lights with clips can hold photos, drawings, and mementos, creating a dynamic and ever-changing display. This adds a warm, personal element to the room and allows for easy updates as new memories are made.

7. Interactive play areas

Incorporating areas dedicated to play within the room encourages imagination and activity. These spaces can be both fun and functional, providing a dedicated area for various activities.

  • Reading nooks: Create a cozy corner with bean bags, soft cushions, and shelves of books. A small canopy or tent can make the nook even more inviting, offering a quiet retreat for reading and relaxation.
  • Art stations: Set up a small table with art supplies for drawing, painting, and crafting. Ensure the area is well-lit and equipped with storage for supplies to keep the space organized and ready for creativity.

8. Lighting

Proper lighting can make a big difference in a child’s room, affecting both functionality and mood. Layered lighting ensures the room is versatile for various activities.

  • Layered lighting: Combine ceiling lights for general illumination, wall sconces for ambient lighting, and table lamps for task lighting. This approach provides flexibility and ensures that the room is well-lit for different activities.
  • Night lights: “Using nightlights is also essential to help with any potential nightmares or night terrors that may be happening,” Unnati Patel, certified pediatric sleep consultant and owner of Nested to Rested Sleep Consulting notes. “It also helps provide a clear path at night to the restroom in case they need to use the potty.” 

9. Safety protocols

Safety is paramount in any child’s room. Ensuring the room is secure and hazard-free allows for peace of mind and a safe environment for your child to play and sleep.

  • Furniture anchors: Secure heavy furniture like dressers and bookshelves to the wall to prevent tipping. This is especially important as children may climb or pull on furniture.
  • Allergy considerations: Something you may not have thought of when planning your child’s perfect bedroom space is how to provide a healthy space with regard to allergies, asthma, sensitivities, and general health. from The Allergy Mom, Melissa Scheichl recommends paying extra attention to materials that attract dust mites.

    “Dust mites affect quality of sleep, breathing, and general health and well-being and are attracted to carpeting, upholstery, drapery, stuffed animals, bedding, and mattresses. The dust mite feces can wreak havoc for allergies, asthma, skin sensitivities, etc,” Scheichl warns. “To reduce the effect of dust mites, consider protective mattress and pillow covers that advertise dust-mite protection (they need to be of a particular quality and fabrication to be effective – not just any mattress cover will do – and they need to completely encase the mattress.”Scheichl also recommends purchasing a portable HEPA filter or other indoor air purifier to remove particulate matter from the air in the bedroom.

  • Soft flooring: Use rugs or padded mats to cushion falls and provide a soft surface for play. Choose non-slip options to prevent tripping and sliding.

10. Don’t discount teenage years

As children grow into teenagers, their room becomes a vital personal space that reflects their evolving identity and provides a sanctuary for study, relaxation, and socializing. It’s important not to discount the teenage years when designing a child’s room, as their needs and tastes will change significantly during this period. Creating a flexible and adaptable space ensures that the room can evolve with them, accommodating their growth and changing interests.

  • Reduce clutter: “Your teen has a lot going on in their mind so try to keep things less noisy (in the visual sense),” shares Leyla Preston, founder and editor of Motherhood Diaries. “Studies show that maintaining a serene bedroom environment by minimizing clutter can enhance sleep quality. Make sure the room is free from excessive stimuli beyond schoolwork, including electronic devices that emit blue light to help maintain a conducive sleep setting. Blue light exposure from screens is known to disrupt the circadian rhythm, making it harder to fall asleep and stay asleep.
  • Tech integration: On the other hand, modern teenagers rely heavily on technology for both schoolwork and entertainment. Incorporate solutions for managing electronics, such as a charging station for devices, a desk with built-in cable management, and adequate outlets. Ensure the room has reliable Wi-Fi coverage and consider adding a comfortable seating area for reading or using a laptop when necessary.

Designing a place where kids can be kids

Designing a kid’s room is a delightful journey that allows you to blend creativity with practicality. By focusing on themes, multifunctional furniture, creative storage solutions, and personal touches, you can create a space that not only looks fantastic but also supports your child’s growth and development. Remember, the best kids’ rooms are those that reflect the child’s interests and provide a safe, comfortable, and inspiring environment for them to thrive.

Wesley Masters works on Redfin’s stellar Content Marketing team as a content writing specialist. She has been with Rent. since 2023 and her previous experiences include non-profit communications, graphic design, and content creation. Wesley lives in Atlanta, GA, and loves outdoor walks, hanging out with her loved ones, and finding new recipes to try on Pinterest. Her ideal home is a brownstone with contemporary interiors.

Source: rent.com