Is it just me or have we all been sleeping on the TJ Maxx website?! I went down an absolute rabbit hole recently…. So. Many. Tabs. Of course, I had to share all the great TJ Maxx home decor finds with you guys!
By the way, if you like this, you’ll love my recent roundups of inexpensive home decor under $50 and coastal decor under $50 on Amazon.
Herringbone Bolster // Scalloped Sheets (so many options in the carousel!) // Grasscloth Nightstand // Block Print Swivel Chair ($200!) // Rattan Floor Lamp
As I was scrolling through all the TJ Maxx home decor, I realized that their site has SO MANY sets of scalloped sheets. This blue set is honestly just the beginning. Grasscloth nightstands are usually pretty expensive, but this one really isn’t. You can get (at least) two of them for the price of one elsewhere! The block print swivel chair is too cute. I’d scoop this up in a second if I had a vanity in my bathroom. You could also put it in a walk-in closet.
I LOVE THIS RUG. That one is 5×8 but it also comes in 2×8, 10×14, and 4×6! Off the top of my head, I can think of a handful of bloggers who already own it, which I’m taking as a ringing endorsement (ha). I can’t tell exactly whether this nightstand is gray or green, but I’m stunned that it only costs $130. It looks WAY more expensive.
How darling are these scalloped bunny pillows?! I think they were intended for Easter, but they would also be so, so sweet in a little girl’s room. The gingham on the back is the perfect finishing touch. I would obviously be thrilled to have this blue scalloped outdoor umbrella in my backyard– especially for $80! It also comes in a classic navy and white stripe. This patchwork quilt looks like something you’d find at thrift store or craft fair. I’d fold it at the foot of my guest bed or keep it downstairs for cozy movie nights.
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The thrill of Christmas is right around the corner.
This is the year you made a fresh decision to start living by a budget. You have been diligent in tracking your spending and set limits designed to help them save more and spend less.
You are desperate for a debt free Christmas because you can’t afford anything more.
I like to shop for Christmas throughout the year. But, not every year can I find steeply discounted gifts for everyone on my list. That is when I have to get serious and start using my Christmas budget worksheet.
However, a Christmas budget template will keep you on track and enjoying a merry holiday season.
You can get fancy and put your Christmas list in Excel spreadsheet or google sheets. Or you can print off a copy and write the old-fashion way. Completely personal preference and either one will get the job done.
This year, you are more determined than ever to make sure you stick to your Christmas budget and be debt free for the holidays.
And that starts with a Christmas budget template.
Why Use a Christmas Budget Template?
Just like with any advantages of budgeting, you want to make a plan for your money.
Then, you won’t be caught overspending and you can avoid the debt hangover in January.
If you want to keep your money goals, then you need to diligent in each of the holiday buying decisions you make.
Did you know most millionaires use a budget?
Now, you have a choice. Do you want a debt free Christmas by using some simple Christmas budget worksheet?
Before we drive into all of the fun and cute Christmas budget templates, you need to learn the critical areas to avoid and make sure you don’t blow your holiday budget.
Christmas Budget Categories
Christmas is a time of celebration, giving, and joy.
However, there are many expenses that come with the holiday season.
The most obvious expense to think about is probably gifts for friends and family members.
If you’re planning on buying a present for someone who’s hard to buy for, make sure they know what it is before purchasing it!
Another important factor in your Christmas budget plan should be your own personal spending habits – do not put all of your money into one category!
~ HUGE TIP ~ List your Christmas spending priorities, with #1 being the HIGHEST priority probably gifts.
Gifts
Christmas gifts are a lot more expensive this year, so you’ll want to be sure to have an idea of what people may need.
Make a list early on of who you’re buying for and try not to get carried away with the amount of money you spend.
You can also give homemade presents that are cheaper and more meaningful than store-bought ones.
Holiday Fun & Entertainment
Holiday fun and entertainment should be budgeted for.
Christmas plays and concerts, donuts and hot chocolate on Christmas Eve, visiting Santa are all things that can be budgeted to help make the holidays more enjoyable.
These activities tend to make you go over budget at Christmas because it is too hard to say no. So, set aside money for holiday fun and entertainment.
Holiday Food
Some of the budget categories to consider if you’re planning a Christmas dinner include appetizers, holiday food, and dessert.
And don’t forget the #1 priority of the gingerbread house!
Everyone entertains and hosts with their own style. Just make sure to budget for holiday food.
Planning for Holiday Decorations
If you want to get a head start on your holiday decorations, try buying them the week after Christmas. This is the best time to buy because you can find great deals and there are fewer out-of-stock items in stores.
Here are some tips for getting more affordable holiday decorations:
Make your own decorations!
Swap ornaments with friends!
Buy pre-made decorations from Amazon
Shop at thrift shops
Put up three strands of lights instead of one
Look through clearance racks
Ask in Buy Nothing groups
Planning to Send Christmas Cards
The cost of sending Christmas cards is getting more and more expensive. Most families plan to spend over $100 on this alone.
Here are ideas to cut down on the cost:
Take family pictures yourself for no cost
Trim your Christmas card list
Find a cheaper place to have Christmas cards made
Save on prints and stamps if you’re planning to email pictures.
Budgeting for Hosting Christmas Party
Hosting may include drinks, appetizers, main courses, desserts, prizes for games, party favors, and gifts.
Pitching in by bringing a side dish, dessert, or their favorite beverage. All are great ideas to help lower your cost.
Tips on saving when going to a party
While we all love to show off, you can easily find ways to save money.
Pick a dish to share that is budget-friendly and still a hit (beans based dishes and casseroles are cheap to make).
For gifts, look at re-gifting before buying new ones. No one else will know that you never used that gift before.
Budgeting for Holiday Travel
Planning ahead for holiday travel can help you avoid unnecessary costs.
Make sure to set aside enough money for lodging, car rentals, and airfare so that your budget will be on track all season long.
If you cannot afford to travel this year, then don’t stretch yourself.
Other Christmas expenses
Holiday expenses can add up, so it’s important to budget for them. Here are six tips on how to have a more adorable holiday season:
– Field trips: going out in the city with family and friends after dark is one of the most fun parts of Christmas!
– Gift wrapping: this is an investment that will pay off in the long run. It’ll give you time to be creative, and you’ll end up with beautiful gifts at the end of it!
– Photos with Santa: maybe not everyone has a photo session during Christmas, but if someone does need a quick photo op, snapping a picture outside somewhere might be worth it.
– Keep Track of Previous Year’s Expenses: Your family is likely to have holiday expenses that vary. So, write them down to include in next year’s Christmas budget.
How To Not Blow Your Budget This Christmas
Maybe you are weary of actually making a Christmas budget because you have struggled with your budgeting process before. Don’t worry, you are completely normal and will get the hang of how to budget.
More often than not, new budget-conscious families create ambitious financial plans with lofty goals of paying off debt. They split their family income up into budgeting categories and were doing just great. That is until the holiday season came along.
That is when you realized you weren’t as diligent as you thought about setting aside Christmas money into a sinking fund. The agreed-upon gift budget categories from earlier in the years just won’t cut it.
That is where a Christmas budget worksheet becomes so helpful!
You must make decisions about your holiday plans. What did you want more? Expensive Christmas gifts with a ballooned credit card balance or a Christmas you can truly afford?
Now, let’s dive into some simple secrets to keeping a budget during the holidays.
1. Post-Christmas Situation
Before you start spending Christmas money, you need a clear vision of your priorities.
Remind yourself and your entire family about the reasons you had for getting on a budget in the first place. During our journey to becoming debt free, we were completely honest with our kids that we had greater priorities than spending money on the small stuff.
Once the excitement of Christmas passes, do you want to have regrets or a little more money in the bank?
2. Prioritize your Christmas List
Our Christmas budget worksheet will help to make this step much easier.
Start making a complete gift shopping list. Think of everyone on your list. Next, review it and prioritize the list according to your relationship with that person. Just like with personal finances, take care of immediate family first. Then, decide if you have enough in your Christmas budget for extended family, friends, neighbors, and co-workers.
Start at the bottom and eliminate any names that absolutely don’t need to be there. If you want to spend more money, then assign a portion of your budget to each of the remaining names.
It is okay to keep the gift-giving to those you are closest too! Your friends may be relieved they don’t need to reciprocate too!
3. Become Creative with Gift Giving
The first rule of thumb… gifts don’t have to be materialistic items.
You can become creative and don’t need to make 101 DIY Pinterest perfect gifts.
Think outside the box.
Experiences can make some of the best gifts ever! Find gifts that are experiences. Plus you get to spend some quality time together.
4. Stop Trying to Keep up With the Joneses’
The surest path to a blown budget is to start comparing what you’re doing with what someone else is doing. Remember, they’ll likely be crying come January.
You are going after a debt free Christmas.
One of the most slippery slopes when it comes to personal finances is trying to cover up your situation and keep the appearance of a lavish life. This lifestyle creep will destroy your values and the things you care the most about.
Make this Christmas simple and something you can afford and treasure for many years to come!
Related reading: How to Spend ZERO at Christmas in a Materialistic Society
5. Know When to Stop Shopping
If you are a thrifty person, then you probably start shopping for gifts year-round.
Those are great ways to be frugal and find terrific gifts for a fraction of the price.
However, you must be able to stop buying and put blinders on for the cheap things to pick up.
If you have spent your entire holiday budget before Thanksgiving and know you are a smart cookie to get it all out of the way, you must be able to avoid more shopping. Those Christmas sales will be tempting, but don’t get in the trap of thinking I can spend just a little bit more can’t I?
Bonus Rule – No impulse buying
Honestly, impulse buying will ruin your budget throughout the year. Around the holidays, it will become more pronounced because you want to make the season magical.
If someone gives you an unexpected gift, it doesn’t mean you have to run out and buy them something as well. A simple Thank you note will suffice.
One of the best money rules is to wait 24 hours before you buy it. The same applies to Christmas.
Free Christmas Budget Template
Here is your free Christmas Budget template.
It is very easy to use. More importantly, it will help you to make sure everything is accounted for.
Get your PDF copy of the Christmas budget worksheet by subscribing to our email list and gaining access to our FREE printables area.
Christmas budget spreadsheet google sheets
For those who want to save everything electronically, then here you go.
This Christmas budget spreadsheet google sheets can be edited to suit your style. Plus you will be able to take your spending year to year!
In our free printables area, you can download all of our budget spreadsheet version that works for you – Excel, Google Sheets, or Pages.
Time to Make Your Christmas gift template
Throughout this post, we have given you the framework to make sure you have a debt free Christmas. Now, it is time to put everything together.
Download your gift template and Christmas budget from the email form below.
Take time and reflect on what gifts you want to give. More importantly, make sure it is a Christmas that you can afford.
By keeping your goals in mind, you can survive the holidays within your budget (and maybe even under).
Enjoy our Christmas Budget Template!
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
For the past decade or so, it seems gold and brass have been the metals of the moment in the interior design world, closely aligned to the fashion cycle that’s placed them at the forefront. But the tides could be turning. With 2000s fashion having a full-circle moment, so are the cool steely tones of the early aughts and late ‘90s, paving the way for a prominent silver home decor trend.
“Silver and gold like to fight for the spotlight every year, and this year, silver has won,” says Bethany Struble, lead designer at Totum Home. She explains that this recent victory is a direct correlation to runway shows of recent seasons — think the silver brooch trends that dominated the Fall/Winter 2024 runways of Miu Miu, Chanel, and Tory Burch and the silver statement necklaces and earrings seen at Prabal Gurung and Carolina Herrera, respectively — that now has consumers embracing the shimmering silver tones.
Although silver may have once been associated with wealth and status, Struble says, this time around, it feels a bit more casual and approachable compared to gold (especially if you lean toward shiny finishes) and this modern take on the metal has more of a laidback edge to it.
“I think it connotes something futuristic,” says Alex Bass, an interior designer, art curator, and founder of Salon 21, a fine art and interior design studio, drawing comparison to the decor of the Space Race era of 1950s and 1960s, which had a silver-clad, futuristic look.
Embracing this trend is all about incorporating subtle accents that can elevate your space through their shimmering finish. From accent lighting to shelving, here’s how Bass and Struble say to embrace the classic metal.
How To Decorate With Silver Pieces
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Small Touches
When trying new trends, it always helps to start small. Bass says one of the best ways to dip into silver aesthetics is to add small touches here and there, whether it be through barware, picture frames, planters, or even accent lighting. “I love adding a silver table lamp to a space — it creates a visual interest without being too much,” Bass notes.
Add Dimension Through Shelving
“Silver is also reflective, so it’s a fun way to add dimension to a space,” Bass explains. To up the ante on dimension while still keeping things subtle, she recommends adding silver etageres to your space or using similar-looking items like side tables or even serving trays as decor items.
Mirrors
Accent mirrors automatically have a silver touch to them, so they’re an easy way to add this cool metallic tone to your space. Bass says to take this a step further and choose mirrors with silver frames. “Having a silver border makes it more decorative,” she explains, noting that mirrors also help a space appear larger. You can also incorporate more metallic tones in your wall art through framing. (And, if you do go for a silver frame, be sure to include a silver picture light to elevate the finished piece.)
Cabinet Knobs & Drawer Pulls
Your cabinets and dresser drawers are another easy way to lean into a trend. To add more silver tones to your space, Struble recommends swapping out your cabinet knobs and drawer pulls for the cool-toned metallic.
Mixing Metals
Decorating with silver doesn’t mean you need to swap out all of your gold and brass accents. Instead, finding a balance between the various tones can be chic — just like it is with your jewelry.
“Mixing metals is easier than you might think,” says Struble. Since silver has a more neutral tone, it’s easy to pair with most other metal finishes, and you don’t have to think too hard to create a balance — not just in metallics but in your overall decor look. “Silver and gold together open up a lot of opportunity to style with warm and cool tones in the same space,” Struble explains.
When decorating with mixed metals, Bass recommends finding pieces that you love and that fit the same aesthetic to ensure they pair together seamlessly, even if they have different tones. And, if you want to embrace the current style without it feeling too trendy, she says to look for vintage brass and silver pieces at antique malls and thrift stores for a more timeless look that will never go out of style.
Want to learn how to make quick money in one day? There are plenty of opportunities out there that let you earn some extra cash without a long-term commitment or if you need cash immediately. Whether you prefer working online or doing tasks around your neighborhood, you can find a side hustle that fits your…
Want to learn how to make quick money in one day? There are plenty of opportunities out there that let you earn some extra cash without a long-term commitment or if you need cash immediately.
Whether you prefer working online or doing tasks around your neighborhood, you can find a side hustle that fits your skills and schedule. From driving for a rideshare to selling unused items, making quick money in a day is more achievable than you might think.
I have personally done most of the side hustles below, so I know they are real.
Best Ways To Make Quick Money in One Day
Below are the best ways to make quick money in one day:
1. Flip items for resale
Flipping items for resale is a fast way to make money. You buy things at a low price and sell them for more. And you can even start with stuff you already have at home.
You can sell clothes, old phones, books, unused gift cards, kitchen items, and jewelry.
Many people have lots of items just lying around, so you could easily find things to sell without spending a dime to buy new stock.
Selling your items can be quick too by listing your stuff on sites like eBay, Craigslist, or Facebook Marketplace. These platforms have many buyers looking for good deals.
Recommended reading: How I Made $40,000 In One Year Flipping Items
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
2. Sell your clothes
When I was younger, I worked at a secondhand clothing store for a few years. I know how great these shops are, especially for making extra money.
I have sold a lot of clothes over the years, both online and in person. I even had a small business reselling clothes. So, I know a lot about selling used clothes!
Selling your clothes is a great way to clean out your closet and make some quick cash. You probably have clothes lying around that you don’t wear anymore, maybe because they don’t fit or aren’t your style.
You can begin by gathering items you no longer need. Check that they’re clean and in good condition. Next, decide where you want to sell them.
Local secondhand and consignment shops are an option if you prefer selling in person. These shops buy used clothes and pay you in cash or store credit. It’s quick and straightforward, but remember they might not accept everything. Secondhand and thrift stores like Plato’s Closet will give you cash the same day, so this is a good option if you need money right now.
Selling online gives you a bigger audience and more options. Sites like ThredUp make it easy. Order a Clean Out Kit, fill it with clothes, and send it back. ThredUp handles almost everything.
Another option is Poshmark. This is an app where you can list your clothes, set prices, and sell directly to buyers. You take photos, write descriptions, and ship items after they sell. Poshmark takes a small fee from each sale.
EBay is also popular. You just create listings, set starting bids, and see how much you can earn. Auctions can end quickly, so it’s great for fast sales.
Instagram can also be a fun place to sell if you have a following. You can post pictures of your clothes, add hashtags, and engage with your buyers.
Here are 16 Best Places To Sell Clothes For Cash.
3. Sell old electronics
Selling old electronics can be a great way to make quick money in one day.
You can start by looking around your home for unused gadgets such as old phones, laptops, tablets, or even game consoles.
Your old electronics can be sold on sites like Decluttr, Facebook Marketplace, and Craigslist. Retailers like Apple, Amazon, and Best Buy also have trade-in programs. You can exchange your old devices for gift cards to use at their stores.
If you want quick cash, these methods are fast and convenient. Just gather your old electronics, pick the best place to sell, and you could have extra money in your pocket by the end of the day.
4. Dog walking and pet sitting
Dog walking is a fun and easy way to make money quickly. If you love dogs and enjoy spending time outdoors, this can be a great option for you. There are several dog walking apps that connect dog walkers with pet owners.
One popular app is Rover. It’s easy to sign up and get started. You can set your own rates and choose when you want to work. Many people find Rover helpful because there’s always a demand for dog walking services.
Another popular app is Wag for people looking for a pet sitter.
Dog walking rates can vary. Typically, you can earn between $15 and $30 per hour, depending on the number of dogs and the length of the walk. This can add up quickly, especially if you take multiple jobs in one day.
My mother-in-law as well as my sister are both dog walkers and really enjoy what they do!
5. Complete online surveys
Doing online surveys is a simple way to make quick money in one day. Many companies want your opinion to improve their products or services, and by sharing your thoughts, you can earn cash or gift cards.
Some paid survey sites where you can take surveys include:
Freecash
Prime Opinion
Five Surveys
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Earning money from answering surveys isn’t quick and won’t make you rich. But if you have an hour, it’s an easy way to make a little extra cash.
I have answered a lot of surveys over the years. I liked that I could do them during little breaks in my day, like before and after work, during lunch, or while riding in a car. They are easy to answer and usually only take a few minutes.
6. Freelance work
Freelance jobs are a great way to make fast money. You can use your skills to help others and get paid for it. Plus, lots of people need freelance writers, graphic designers, and web developers.
Here are some ideas:
If you enjoy writing, you can find jobs that need blog posts, articles, or even editing. Websites like Upwork and Fiverr connect you with clients who need these services.
Are you good at art or graphic design? Many businesses look for freelance graphic designers. They need help with logos, social media posts, and website designs.
Web developers can also find plenty of work online. You could help build a website or fix one that’s already running. Code issues can be tricky for many, but if you’re good at it, you can get paid well.
You can also offer services like proofreading, transcription, or even managing social media accounts. These jobs can be done quickly and still earn you money.
Freelancing gives you the freedom to choose what you do and when you work. Since it’s online, you can do it from the comfort of your home. It’s a flexible way to make quick cash on your own schedule.
I have been a freelancer for years, and I think it’s a great way to make more money.
You can learn more at 16 Best Freelance Jobs & How To Get Started.
7. Sell crafts on Etsy
Selling crafts on Etsy is a fun and creative way to make quick money. Many buyers love unique, handmade items that they can’t find anywhere else.
I shop on Etsy all the time (I actually just bought a custom card for someone as well as a specific live plant that I couldn’t find anywhere in person!).
Items like jewelry, handmade soaps, and candles are very popular. These items are easy to make and tend to sell well. Stickers and printables also have a big market and can be a good way to make a passive income stream. You can also make bath products like sugar scrubs and geode bath bombs. People love these items because they are both pretty and useful.
Here are 16 Best Things To Sell On Etsy To Make Money.
8. Rent out a spare room
Renting out a room is a great way to make money fast. If you have a spare room, you can try listing it on sites like Airbnb, Facebook, or Craigslist.
You can rent your room for a night, a week, one month, or even longer. This flexibility allows you to choose what works best for your schedule.
When I was younger, I had extra bedrooms in my house and rented them out to roommates. I rented to long-term renters and people I knew, like friends and my sister. It didn’t cover my whole mortgage, but it covered about half, which I thought was great!
9. Food delivery
Food delivery jobs can help you make quick money in one day. There are many food delivery apps and services that need drivers to deliver meals from restaurants and grocery stores to customers.
One popular option is DoorDash. As a DoorDash driver, you pick up food from local restaurants, deliver it to customers, and you can keep 100% of your tips and cash out daily.
Another good choice is Uber Eats. With Uber Eats, you set your own hours and enjoy the freedom of no boss. You can deliver food in your spare time and get paid fast.
For grocery delivery, there is Instacart. Instacart is a popular website for people who want to make extra money by shopping for and delivering groceries.
These food delivery services are flexible. You can work whenever you have free time and you can typically cash out your earnings the same day, so this is great if you need to make money quickly.
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Instacart is a popular website for people looking to earn extra money shopping for and delivering groceries. Instacart gives you the option to turn your free time into a chance to make some extra money.
10. Participate in focus groups
Participating in focus groups is a quick way to make money in one day. Companies want your opinion on products or services, and they pay well for it. You can earn between $50 and $150 for an hour of your time.
Focus groups can be done online or in person. Online focus groups are convenient because you can join from home, and in-person groups might offer even higher payouts.
User Interviews is a popular site to find focus groups to take part in.
To get started, sign up on these websites and fill out your profile. Companies will contact you when a study matches your profile.
I did a user interview once and got paid $400 for just one hour of work. It was easy and done online through a video call to get my opinion on a new website feature.
Recommended reading: 19 Best Places To Find Paid Research Studies
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User Interviews pays very well for market research studies and these are some of the highest paying online surveys, with each paying $50 to $100 or more. The average pays over $60.
11. Provide handyman services
If you’re good at fixing things, selling handyman services can be a quick way to make money. Many people need help with small repairs around the house like fixing leaky faucets, installing ceiling fans, or even putting up pictures. These jobs don’t take long and can be done on short notice.
You can start by putting up flyers in your neighborhood or posting on local community boards online (for example, there’s probably a Facebook group for your town that you can join and post on).
You can also use apps like Taskrabbit to find jobs quickly. These apps connect you with people looking for immediate help. This way, you don’t have to wait long to start earning money.
You are typically paid the same day you finish the job for handyman services.
I have personally hired different handymen over the years for all sorts of services, such as a bathroom cabinet install, painting a bedroom, flooring repair, and even a roof repair.
12. Play game apps
Ever thought about making money just by playing games on your phone? There are plenty of apps where you can do just that.
Here’s a quick list of the top game platforms that pay real cash:
KashKick
Swagbucks
InboxDollars
Freecash
Game apps pay real money rewards because they earn money from ads and in-app purchases. They share a part of their earnings with players like you and me to keep them engaged and playing their games.
Recommended reading: 23 Best Game Apps To Win Real Money
13. Have a yard sale
Having a yard sale (or garage sale) is a great way to make quick money in just one day. It helps you declutter your home and turn unwanted items into cash.
You usually can’t ask for a really high price on anything, but it can be a way to sell a lot of things at once and make some cash in one day.
You can sell all sorts of things – basically anything and everything that you own.
14. Sell unused gift cards
Lots of people have gift cards they never use. Maybe you have one for a store you don’t shop at. Instead of letting it collect dust, you can sell it and get cash.
Many websites let you trade your card for money such as Raise and CardCash, which are two popular sites. They usually give you around 90% of the card’s value.
To sell a gift card, you’ll enter the store’s name and the card’s balance. You’ll get an offer right away, and if you accept it, you can get paid by PayPal, direct deposit, or even a check.
15. Find unclaimed money
Did you know there might be money out there waiting for you to claim it? It’s called unclaimed money, and it’s typically from forgotten accounts, old jobs, or refunds.
To see if you have any free money to claim, go to unclaimed.org. This site is run by the National Association of Unclaimed Property Administrators (NAUPA).
The site will then take you to missingmoney.com. This is a helpful tool that works with states to help people find their unclaimed money. You just need to enter your first name, last name, and state.
It’s free to search and free to claim your money. So, take a few minutes to check it out. You might find some extra money waiting for you!
I just looked and I had around $60 in free money that I could claim!
16. Babysit for neighbors
Babysitting is a great way to make quick money. Many parents need help, especially on weekends or evenings.
Let your neighbors know you are available. You can also ask friends to spread the word or even post in local Facebook groups.
17. Search for Craigslist gigs
Craigslist can be a great place to find quick-paying jobs. Many people need help with tasks, and they post ads looking for workers who can start right away.
To find Craigslist gigs in your town, go to Craigslist and look for the “gigs” section.
You can find jobs like yard cleanup, moving help, helping around the house, putting up flyers, event staff, selling plasma, tutor help, and more.
Some gigs you find may even be more specialized, like participating in local medical research studies. These gigs can pay quite a bit more, sometimes up to $1,000.
18. Wash or detail cars
Washing or detailing cars is a great way to make quick money. You can start by selling your services to friends, family, and neighbors. Most people appreciate a clean car and may not have the time to do it themselves.
You don’t need much to get started and most likely just need basic supplies like soap, sponges, towels, and a vacuum can be enough. For detailing, you might need some special products like polish and wax.
Once you get a few clients, word of mouth can help you grow your business. People will recommend you if you do a good job. Plus, you can adjust your pricing based on how much time and effort each job takes.
19. Cash in your coins
Do you have a jar full of coins sitting around? Cashing them in can be a quick way to get some extra money.
First, look for a nearby bank or credit union that you belong to as many will exchange coins for free if you have an account with them.
Coinstar machines are another option. These are usually found in grocery stores and retail shops. Be aware that they charge a fee if you want cash. To avoid the fee, sometimes you can opt for an egift card instead.
Learn more at Where To Cash Coins For Free Near Me – 9 Best Places.
20. Clean homes
One way to make quick money in a day is by cleaning homes. You can get paid to clean houses, apartments, or short-term rentals like those listed on Airbnb.
Cleaning tasks can include vacuuming, dusting, mopping floors, and cleaning bathrooms, and you might also need to do things like changing bed linens and washing dishes.
21. Sign-up bonuses
Sign-up bonuses are a way to make some quick money.
Many apps and websites offer these bonuses to encourage you to join them. They often come in the form of cash, gift cards, or rewards points.
Some places that give sign-up bonuses include:
Sometimes when you open a bank account, you can also get a sign-up bonus too!
22. Recycle items
Recycling can be a great way to earn quick money.
Here are some items you may be able to recycle for extra money:
Aluminum cans are easy to collect and recycle.
You can also gather old newspapers and cardboard boxes.
Metals like copper, brass, and steel can get you a good price. Sort them into different types before taking them to the scrapyard. Scrapyards often pay for clean and separated metals.
Glass bottles and jars are another option. Collect them from friends, neighbors, or local events. Check with recycling centers to see how much they pay per bottle.
Even cooking oil can be sold to companies that convert it into biodiesel or soap. Save your used cooking oil in containers and find a local recycler who buys it.
Don’t forget about selling books! Old textbooks or novels can be sold online or at local bookstores. Sites like eBay and Amazon have buyback programs that offer cash or store credit.
To make the most money by recycling, gather as much as you can, store it safely, and take it to the right place.
Frequently Asked Questions
Here are answers to common questions on how to make quick money in just one day.
How can I make money ASAP today?
If you need to learn how to get quick money in one day without paying anything, then I recommend finding things around your home to sell, such as clothes, jewelry, books, an old phone, and more.
How can I make $100 per day?
There are many ways to make $100 a day. You can sell items you don’t need like old clothes or electronics. You can also flip items for resale or sell services like cleaning or home repair.
How can you actually make $1000 a day?
Making $1000 in a day is tough but not impossible. It might involve selling high-value items like jewelry, doing freelance work, or offering specialized services. Jobs in the gig economy, such as driving or delivering, can earn you money immediately, and you can combine them with other gigs to boost your daily earnings.
How can I make money in just hours?
Try quick tasks like dog walking, babysitting, or selling items from around your home.
How to make quick money in one day as a kid?
Kids can earn money by doing chores, babysitting, or selling homemade crafts. Offering to mow lawns or do yard work for your neighbors is also a good option.
How to make quick money in one day on my phone?
Your phone can help you earn money in various ways too. You can sell things you don’t need or use your skills on freelance platforms. Answering surveys, selling photos, or being a virtual friend can also earn you money, all from the comfort of wherever you are.
How to make quick money in one day online?
To make quick money in one day online, you can take online surveys, freelance your skills, or sell items on eBay or other platforms. You can also offer services on gig websites like Fiverr.
How To Make Quick Money in One Day – Summary
I hope you enjoyed this article on how to make quick money in one day.
If you need money immediately, there are many things you can do to make money today. Whether you’re saving for a goal or dealing with an unexpected expense, these tips can help you achieve financial flexibility in just one day.
Some may be more of a part-time side gig, whereas others can be a full-time income. It all just depends on what you’re looking for.
What do you think is the best way to make money in one day?
Want to learn how to make quick money in one day? There are plenty of opportunities out there that let you earn some extra cash without a long-term commitment or if you need cash immediately. Whether you prefer working online or doing tasks around your neighborhood, you can find a side hustle that fits your…
Want to learn how to make quick money in one day? There are plenty of opportunities out there that let you earn some extra cash without a long-term commitment or if you need cash immediately.
Whether you prefer working online or doing tasks around your neighborhood, you can find a side hustle that fits your skills and schedule. From driving for a rideshare to selling unused items, making quick money in a day is more achievable than you might think.
I have personally done most of the side hustles below, so I know they are real.
Best Ways To Make Quick Money in One Day
Below are the best ways to make quick money in one day:
1. Flip items for resale
Flipping items for resale is a fast way to make money. You buy things at a low price and sell them for more. And you can even start with stuff you already have at home.
You can sell clothes, old phones, books, unused gift cards, kitchen items, and jewelry.
Many people have lots of items just lying around, so you could easily find things to sell without spending a dime to buy new stock.
Selling your items can be quick too by listing your stuff on sites like eBay, Craigslist, or Facebook Marketplace. These platforms have many buyers looking for good deals.
Recommended reading: How I Made $40,000 In One Year Flipping Items
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
2. Sell your clothes
When I was younger, I worked at a secondhand clothing store for a few years. I know how great these shops are, especially for making extra money.
I have sold a lot of clothes over the years, both online and in person. I even had a small business reselling clothes. So, I know a lot about selling used clothes!
Selling your clothes is a great way to clean out your closet and make some quick cash. You probably have clothes lying around that you don’t wear anymore, maybe because they don’t fit or aren’t your style.
You can begin by gathering items you no longer need. Check that they’re clean and in good condition. Next, decide where you want to sell them.
Local secondhand and consignment shops are an option if you prefer selling in person. These shops buy used clothes and pay you in cash or store credit. It’s quick and straightforward, but remember they might not accept everything. Secondhand and thrift stores like Plato’s Closet will give you cash the same day, so this is a good option if you need money right now.
Selling online gives you a bigger audience and more options. Sites like ThredUp make it easy. Order a Clean Out Kit, fill it with clothes, and send it back. ThredUp handles almost everything.
Another option is Poshmark. This is an app where you can list your clothes, set prices, and sell directly to buyers. You take photos, write descriptions, and ship items after they sell. Poshmark takes a small fee from each sale.
EBay is also popular. You just create listings, set starting bids, and see how much you can earn. Auctions can end quickly, so it’s great for fast sales.
Instagram can also be a fun place to sell if you have a following. You can post pictures of your clothes, add hashtags, and engage with your buyers.
Here are 16 Best Places To Sell Clothes For Cash.
3. Sell old electronics
Selling old electronics can be a great way to make quick money in one day.
You can start by looking around your home for unused gadgets such as old phones, laptops, tablets, or even game consoles.
Your old electronics can be sold on sites like Decluttr, Facebook Marketplace, and Craigslist. Retailers like Apple, Amazon, and Best Buy also have trade-in programs. You can exchange your old devices for gift cards to use at their stores.
If you want quick cash, these methods are fast and convenient. Just gather your old electronics, pick the best place to sell, and you could have extra money in your pocket by the end of the day.
4. Dog walking and pet sitting
Dog walking is a fun and easy way to make money quickly. If you love dogs and enjoy spending time outdoors, this can be a great option for you. There are several dog walking apps that connect dog walkers with pet owners.
One popular app is Rover. It’s easy to sign up and get started. You can set your own rates and choose when you want to work. Many people find Rover helpful because there’s always a demand for dog walking services.
Another popular app is Wag for people looking for a pet sitter.
Dog walking rates can vary. Typically, you can earn between $15 and $30 per hour, depending on the number of dogs and the length of the walk. This can add up quickly, especially if you take multiple jobs in one day.
My mother-in-law as well as my sister are both dog walkers and really enjoy what they do!
5. Complete online surveys
Doing online surveys is a simple way to make quick money in one day. Many companies want your opinion to improve their products or services, and by sharing your thoughts, you can earn cash or gift cards.
Some paid survey sites where you can take surveys include:
Freecash
Prime Opinion
Five Surveys
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Earning money from answering surveys isn’t quick and won’t make you rich. But if you have an hour, it’s an easy way to make a little extra cash.
I have answered a lot of surveys over the years. I liked that I could do them during little breaks in my day, like before and after work, during lunch, or while riding in a car. They are easy to answer and usually only take a few minutes.
6. Freelance work
Freelance jobs are a great way to make fast money. You can use your skills to help others and get paid for it. Plus, lots of people need freelance writers, graphic designers, and web developers.
Here are some ideas:
If you enjoy writing, you can find jobs that need blog posts, articles, or even editing. Websites like Upwork and Fiverr connect you with clients who need these services.
Are you good at art or graphic design? Many businesses look for freelance graphic designers. They need help with logos, social media posts, and website designs.
Web developers can also find plenty of work online. You could help build a website or fix one that’s already running. Code issues can be tricky for many, but if you’re good at it, you can get paid well.
You can also offer services like proofreading, transcription, or even managing social media accounts. These jobs can be done quickly and still earn you money.
Freelancing gives you the freedom to choose what you do and when you work. Since it’s online, you can do it from the comfort of your home. It’s a flexible way to make quick cash on your own schedule.
I have been a freelancer for years, and I think it’s a great way to make more money.
You can learn more at 16 Best Freelance Jobs & How To Get Started.
7. Sell crafts on Etsy
Selling crafts on Etsy is a fun and creative way to make quick money. Many buyers love unique, handmade items that they can’t find anywhere else.
I shop on Etsy all the time (I actually just bought a custom card for someone as well as a specific live plant that I couldn’t find anywhere in person!).
Items like jewelry, handmade soaps, and candles are very popular. These items are easy to make and tend to sell well. Stickers and printables also have a big market and can be a good way to make a passive income stream. You can also make bath products like sugar scrubs and geode bath bombs. People love these items because they are both pretty and useful.
Here are 16 Best Things To Sell On Etsy To Make Money.
8. Rent out a spare room
Renting out a room is a great way to make money fast. If you have a spare room, you can try listing it on sites like Airbnb, Facebook, or Craigslist.
You can rent your room for a night, a week, one month, or even longer. This flexibility allows you to choose what works best for your schedule.
When I was younger, I had extra bedrooms in my house and rented them out to roommates. I rented to long-term renters and people I knew, like friends and my sister. It didn’t cover my whole mortgage, but it covered about half, which I thought was great!
9. Food delivery
Food delivery jobs can help you make quick money in one day. There are many food delivery apps and services that need drivers to deliver meals from restaurants and grocery stores to customers.
One popular option is DoorDash. As a DoorDash driver, you pick up food from local restaurants, deliver it to customers, and you can keep 100% of your tips and cash out daily.
Another good choice is Uber Eats. With Uber Eats, you set your own hours and enjoy the freedom of no boss. You can deliver food in your spare time and get paid fast.
For grocery delivery, there is Instacart. Instacart is a popular website for people who want to make extra money by shopping for and delivering groceries.
These food delivery services are flexible. You can work whenever you have free time and you can typically cash out your earnings the same day, so this is great if you need to make money quickly.
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Instacart is a popular website for people looking to earn extra money shopping for and delivering groceries. Instacart gives you the option to turn your free time into a chance to make some extra money.
10. Participate in focus groups
Participating in focus groups is a quick way to make money in one day. Companies want your opinion on products or services, and they pay well for it. You can earn between $50 and $150 for an hour of your time.
Focus groups can be done online or in person. Online focus groups are convenient because you can join from home, and in-person groups might offer even higher payouts.
User Interviews is a popular site to find focus groups to take part in.
To get started, sign up on these websites and fill out your profile. Companies will contact you when a study matches your profile.
I did a user interview once and got paid $400 for just one hour of work. It was easy and done online through a video call to get my opinion on a new website feature.
Recommended reading: 19 Best Places To Find Paid Research Studies
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User Interviews pays very well for market research studies and these are some of the highest paying online surveys, with each paying $50 to $100 or more. The average pays over $60.
11. Provide handyman services
If you’re good at fixing things, selling handyman services can be a quick way to make money. Many people need help with small repairs around the house like fixing leaky faucets, installing ceiling fans, or even putting up pictures. These jobs don’t take long and can be done on short notice.
You can start by putting up flyers in your neighborhood or posting on local community boards online (for example, there’s probably a Facebook group for your town that you can join and post on).
You can also use apps like Taskrabbit to find jobs quickly. These apps connect you with people looking for immediate help. This way, you don’t have to wait long to start earning money.
You are typically paid the same day you finish the job for handyman services.
I have personally hired different handymen over the years for all sorts of services, such as a bathroom cabinet install, painting a bedroom, flooring repair, and even a roof repair.
12. Play game apps
Ever thought about making money just by playing games on your phone? There are plenty of apps where you can do just that.
Here’s a quick list of the top game platforms that pay real cash:
KashKick
Swagbucks
InboxDollars
Freecash
Game apps pay real money rewards because they earn money from ads and in-app purchases. They share a part of their earnings with players like you and me to keep them engaged and playing their games.
Recommended reading: 23 Best Game Apps To Win Real Money
13. Have a yard sale
Having a yard sale (or garage sale) is a great way to make quick money in just one day. It helps you declutter your home and turn unwanted items into cash.
You usually can’t ask for a really high price on anything, but it can be a way to sell a lot of things at once and make some cash in one day.
You can sell all sorts of things – basically anything and everything that you own.
14. Sell unused gift cards
Lots of people have gift cards they never use. Maybe you have one for a store you don’t shop at. Instead of letting it collect dust, you can sell it and get cash.
Many websites let you trade your card for money such as Raise and CardCash, which are two popular sites. They usually give you around 90% of the card’s value.
To sell a gift card, you’ll enter the store’s name and the card’s balance. You’ll get an offer right away, and if you accept it, you can get paid by PayPal, direct deposit, or even a check.
15. Find unclaimed money
Did you know there might be money out there waiting for you to claim it? It’s called unclaimed money, and it’s typically from forgotten accounts, old jobs, or refunds.
To see if you have any free money to claim, go to unclaimed.org. This site is run by the National Association of Unclaimed Property Administrators (NAUPA).
The site will then take you to missingmoney.com. This is a helpful tool that works with states to help people find their unclaimed money. You just need to enter your first name, last name, and state.
It’s free to search and free to claim your money. So, take a few minutes to check it out. You might find some extra money waiting for you!
I just looked and I had around $60 in free money that I could claim!
16. Babysit for neighbors
Babysitting is a great way to make quick money. Many parents need help, especially on weekends or evenings.
Let your neighbors know you are available. You can also ask friends to spread the word or even post in local Facebook groups.
17. Search for Craigslist gigs
Craigslist can be a great place to find quick-paying jobs. Many people need help with tasks, and they post ads looking for workers who can start right away.
To find Craigslist gigs in your town, go to Craigslist and look for the “gigs” section.
You can find jobs like yard cleanup, moving help, helping around the house, putting up flyers, event staff, selling plasma, tutor help, and more.
Some gigs you find may even be more specialized, like participating in local medical research studies. These gigs can pay quite a bit more, sometimes up to $1,000.
18. Wash or detail cars
Washing or detailing cars is a great way to make quick money. You can start by selling your services to friends, family, and neighbors. Most people appreciate a clean car and may not have the time to do it themselves.
You don’t need much to get started and most likely just need basic supplies like soap, sponges, towels, and a vacuum can be enough. For detailing, you might need some special products like polish and wax.
Once you get a few clients, word of mouth can help you grow your business. People will recommend you if you do a good job. Plus, you can adjust your pricing based on how much time and effort each job takes.
19. Cash in your coins
Do you have a jar full of coins sitting around? Cashing them in can be a quick way to get some extra money.
First, look for a nearby bank or credit union that you belong to as many will exchange coins for free if you have an account with them.
Coinstar machines are another option. These are usually found in grocery stores and retail shops. Be aware that they charge a fee if you want cash. To avoid the fee, sometimes you can opt for an egift card instead.
Learn more at Where To Cash Coins For Free Near Me – 9 Best Places.
20. Clean homes
One way to make quick money in a day is by cleaning homes. You can get paid to clean houses, apartments, or short-term rentals like those listed on Airbnb.
Cleaning tasks can include vacuuming, dusting, mopping floors, and cleaning bathrooms, and you might also need to do things like changing bed linens and washing dishes.
21. Sign-up bonuses
Sign-up bonuses are a way to make some quick money.
Many apps and websites offer these bonuses to encourage you to join them. They often come in the form of cash, gift cards, or rewards points.
Some places that give sign-up bonuses include:
Sometimes when you open a bank account, you can also get a sign-up bonus too!
22. Recycle items
Recycling can be a great way to earn quick money.
Here are some items you may be able to recycle for extra money:
Aluminum cans are easy to collect and recycle.
You can also gather old newspapers and cardboard boxes.
Metals like copper, brass, and steel can get you a good price. Sort them into different types before taking them to the scrapyard. Scrapyards often pay for clean and separated metals.
Glass bottles and jars are another option. Collect them from friends, neighbors, or local events. Check with recycling centers to see how much they pay per bottle.
Even cooking oil can be sold to companies that convert it into biodiesel or soap. Save your used cooking oil in containers and find a local recycler who buys it.
Don’t forget about selling books! Old textbooks or novels can be sold online or at local bookstores. Sites like eBay and Amazon have buyback programs that offer cash or store credit.
To make the most money by recycling, gather as much as you can, store it safely, and take it to the right place.
Frequently Asked Questions
Here are answers to common questions on how to make quick money in just one day.
How can I make money ASAP today?
If you need to learn how to get quick money in one day without paying anything, then I recommend finding things around your home to sell, such as clothes, jewelry, books, an old phone, and more.
How can I make $100 per day?
There are many ways to make $100 a day. You can sell items you don’t need like old clothes or electronics. You can also flip items for resale or sell services like cleaning or home repair.
How can you actually make $1000 a day?
Making $1000 in a day is tough but not impossible. It might involve selling high-value items like jewelry, doing freelance work, or offering specialized services. Jobs in the gig economy, such as driving or delivering, can earn you money immediately, and you can combine them with other gigs to boost your daily earnings.
How can I make money in just hours?
Try quick tasks like dog walking, babysitting, or selling items from around your home.
How to make quick money in one day as a kid?
Kids can earn money by doing chores, babysitting, or selling homemade crafts. Offering to mow lawns or do yard work for your neighbors is also a good option.
How to make quick money in one day on my phone?
Your phone can help you earn money in various ways too. You can sell things you don’t need or use your skills on freelance platforms. Answering surveys, selling photos, or being a virtual friend can also earn you money, all from the comfort of wherever you are.
How to make quick money in one day online?
To make quick money in one day online, you can take online surveys, freelance your skills, or sell items on eBay or other platforms. You can also offer services on gig websites like Fiverr.
How To Make Quick Money in One Day – Summary
I hope you enjoyed this article on how to make quick money in one day.
If you need money immediately, there are many things you can do to make money today. Whether you’re saving for a goal or dealing with an unexpected expense, these tips can help you achieve financial flexibility in just one day.
Some may be more of a part-time side gig, whereas others can be a full-time income. It all just depends on what you’re looking for.
What do you think is the best way to make money in one day?
Inside: These festive money saving ideas you need to have a magical frugal Christmas! Rediscovering a Christmas with no money is still possible with a little bit of planning, fun, and creativity.
Just like throughout the year, the word frugal can have a bad connotation. When you put the two words together – Frugal Christmas, most people think of a sad holiday with no joy or excitement.
However, just like with a frugal lifestyle, being frugal means you are looking to stretch your dollar to the fullest.
A frugal Christmas means to be economical with the spending of your Christmas funds. You prudently set money aside for Christmas ahead of time, but remember your overall money goals. When it is time to buy Christmas gifts and decor, you are not wasteful with your money and make your money go further.
Everyone’s level of frugality is different.
The same holds true at Christmas. Your frugal Christmas will look different than your neighbor’s or a friend’s. There is no reason to trap yourself in a comparison mode.
Why a Frugal Christmas Traditions Matter?
If you are looking at Christmas with no money, don’t despair! There are plenty of money saving tips in this post to make sure you still enjoy a festive season.
If you want to stay on course to pay off debt or reach FI, then a frugal Christmas would be part of your innate nature to do. You just need some frugal living tips related to Christmas.
You can create a magical frugal Christmas.
More importantly, these frugal money saving ideas for Christmas will help you stick with your budgeting goals and lower your stress level.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
How to Survive Christmas with No Money
Before we just into the Christmas frugal living tips, let’s discuss the big elephant in the room… what if you can’t afford Christmas gifts?
First of all, that is an unfortunate circumstance that you are in right now. I say “right now” because you have the power to dictate your future.
And it all starts with your mindset… you are focused on surviving Christmas with no money.
Not the fact that you are surrounded by your loved ones. With the chance, to enjoy time together, laugh together, create traditions, and make memories.
That is what Christmas is about.
So, before you move forward, you need to change your mindset. Your current money mindset is focused on having no money, being poor, and being broke.
If you want to change your financial future, then it all starts with your thoughts consuming your mind.
Start with writing down three positive things that happen in each of your days. Make sure one of them is related to money.
Frugal Christmas Tips & Money Saving Ideas
Okay, now, we are going to dig into specify ways to make a frugal Christmas a reality.
These are frugal traits that will improve your money management throughout the holiday season, but you can also start to carry these over to all aspects of your life.
To keep in the spirit of Christmas, let’s dig in and learn how to create a frugal Christmas that won’t leave you broke!
1. Focus on the Important Things
When you make the conscious decision to become more frugal, your center of attention is on the bigger picture.
For a frugal person, they view Christmas as part of a bigger puzzle. Their spending at Christmas needs to align with their money goals and desires.
This is the point when you must ask yourself the hard questions… Would you rather stay on track to pay off debt faster? Keep on saving money so you can take some time off next summer.
These are where you decide what is important in your life.
Just to be clear, I am not saying Christmas isn’t important because it definitely is. I am saying the Christmas that has been defined in our culture that focuses on gifts may not be the overarching focus of Christmas.
2. Plan to Spend Half of “Normal”
Did you know most people plan to spend an AVERAGE of $800-900 on Christmas?
For most folks, that will break any budget with a lot of debt hangover coming in January.
Challenge yourself to a Frugal Christmas of $400 or less.
When you create your frugal Christmas budget, plan to spend half of what you did the previous year. Don’t know how much you spent previously, then stick to the $400 or less.
If you are tempted to overspend, then set your budget at $200.
Now, you need to use Christmas budget template to plan your gifts into your budget.
3. Make Your Frugal Christmas Plan
Now, that you know how much you can spend on Christmas, you must make your budget line up with your gifts, Christmas decors, parties, etc.
This step is often overlooked and we typically fly by the seat of our pants.
However, one of the best money management tips is to plan how you will spend your money before you start spending anything!
In our free printables areas, we have worksheets and spreadsheets to help you.
Also, this is the chance, to be honest with friends and family about your desires for a frugal or no money Christmas. You have the time to plan a no gift holiday, gift exchange of unwanted items, etc.
4. Ask Around for Gifts
Oh my goodness! This is seriously my favorite money saving idea all year round.
Ask around and see what others don’t want anymore.
Another man’s trash is the next man’s treasure.
A recent example in my life… Someone posted in our NextDoor group that they were looking for fly fishing equipment. I politely responded that once the original poster got what they needed I would be interested in anything leftover since my hubby took up this hobby. A neighbor messaged me and we got a bunch of fly fishing equipment for a fraction of the price.
You can always find Christmas decorations and maybe even gifts for no money.
Don’t be afraid to post in Facebook groups or NextDoor. Search Craigslist or thrift stores. You will be AMAZED by what people are happily willing to get rid of.
5. Shop Based on Price
This is where you go into the store and look for gifts that can suit those on your list – more importantly, at your price level.
This is a great chance to pick up items on clearance or deeply discounted sale.
For instance, my son loved LEGOS (okay, what boy doesn’t go through that phase) and they can get quite expensive. Throughout the year, I would always look for LEGOS when they were on sale or being discontinued. This is one example of enjoying a frugal Christmas
6. Creative with Gift Exchanges
With gift exchanges, you don’t need to go out and buy a brand new present. This is a chance to find something in your house that will make a great gift for someone else.
Here are various types of gift exchanges that cost little or no money:
White elephant gift exchange
$5 gift exchanges
Unused item gift exchange
Cookie Exchange
Used toy, puzzle, or book exchange
Coffee mug exchange
Charity donation exchange
Craft supply gift exchange
Dollar Store Finds Gift Exchange
Fabulously fashionable clothing exchange
Dropped that hobby gift exchange
There are just a few ideas on how you can get creative with holding gift exchanges. Not everything must be expensive to be an awesome winner!
7. Buy in Bulk and Divide Up for Gifts
A frugal trait is buying things in bulk to save money. When the holidays roll around, this is where you use your DIY skills to come up with frugal Christmas gifts.
If you find a lot of people on your list to buy small gifts for, you can create nice packages of presents to give. Typically, these holiday gifts are ideal for teachers, neighbors, co-workers or other special people that you want to wish a Merry Christmas.
For example, you can buy scented candles in bulk and wrap a beautiful bow on the glass jar. That is an easy way to divide them up for multiple gifts.
Another idea is to buy Christmas treat bags and divide up assorted miniature candies to quickly put together many small presents.
These are ideal gifts because they are thoughtful, but also budget-friendly.
8. Plan At-Home Parties
One of the most expensive areas for any budget is entertainment and eating out. The same holds true at Christmas.
To combat extra costs, plan at-home parties where you can control the prices of food, drinks, and decor. And as a bonus, your friends and family may be relieved to spend less as well!
You can hold a potluck or cookie exchange for a fraction of the price of a night out or booked Christmas party.
There are plenty of ways to make it fun. You can still have cocktail hour with the festive dresses that are already in your closet. Don’t have something to wear – pretend you’re a teenager and shop your friend’s closets!
9. Stop Christmas Shopping
When you are done, you are done Christmas shopping. Block your eyes and ears from all of the last minute shopping and stocking stuffers.
One of the frugality traits is to make a plan for your money and stick to it.
Remember, marketers are good at their job of getting you to open up your wallet and spend money. Be stronger and stop shopping for the holidays.
Don’t go over your Christmas budget and your plan.
10. Track How Much You Save
Every frugal person likes to know how much they save.
Not everyone likes numbers, but it is pretty motivating to see how much you save.
With a financial freedom mindset, you know that every penny saved is a penny earned.
This is where you realize your out-of-the-box thinking to create a frugal Christmas is worth the time and effort. You can see your savings on the gifts, decor, and thinking adds up.
Bonus Tip: Eliminate the Stress
One of the traits of becoming frugal comes with learning to live with less. It doesn’t have to be full minimalism. A better term is living simply.
The more you do around Christmas (buying gifts, putting up decor, hosting parties, attending parties, participating in cookie exchanges, cleaning for guests, traveling for events, the list can go on and on) will cause stress.
Look for ways to take a step back and focus on what is most important to you.
That was the first tip mentioned in this post because it is the one that is overlooked the most often. You don’t decide what you want Christmas to look like. You let others and life decide how your month of December rolls out.
Eliminate the undue stress surrounding the Christmas season.
Frugal Christmas Ideas for Kids When You Have No Money for Gifts
Okay, we are going to spend a little more time around one area that causes us the most stress around the holidays – giving gifts.
There is extreme pressure to provide the Pinterest-perfect, movie-ready, Insta story each and every year.
Regardless of what you spend on Christmas, you will never be able to live up to the self-created expectations you put on yourself.
Just remember that statement when you have no money for gifts.
This is where you get super creative and honest with your loved ones.
Be Honest with Your Finances
The first step is to be completely honest with your financial situation at the moment. You aren’t looking for handouts. You just want a dose of empathy and maybe a hug.
Just like everyone else, you want to give your family the world and shower them with gifts.
However, the center of Christmas is coming together as a family and spending time together. You don’t need money for that.
Time for Creativity and Maybe a Little DIY Christmas
This is where you get creative and start digging to find gifts.
Unfortunately for society, we are flooded with materialistic items. (Just look at any donation center or walk around on trash day.) There are plenty of gifts floating around that would cost you no money.
Post in a No Buy Facebook group or Nextdoor and see if anyone is getting rid of what you want.
More than likely, you will find Christmas gifts for no money. Sometimes, you may have to a fraction of the retail price.
Another option is to use your DIY skills – learn to sew, knit, bake, etc. Give away some of your treasured handmade gifts.
No-Spend Christmas Activities
For frugal individuals, like me, the key enjoyment of the festive season does not rely on these costly aspects, but rather on the spirit of unity, shared experiences, and thoughtful gestures. This is where the concept of ‘No Gift Christmas‘ comes in, emphasizing value-driven festivities that foster warmth and happiness without the need to break the bank.
The good news is you can enjoy the holidays with plenty of things that don’t cost money.
Fun and Frugal Christmas Activities at Home
Enjoying a festive holiday season doesn’t have to break the bank. In fact, there are several fun and frugal Christmas activities you can do at home!
Roast marshmallows: Whether you have a fireplace or a stove, roasting marshmallows at home can be a delightful way to savor the season.
Christmas movie night: Why not curl up on the couch with some popcorn and a Christmas movie? Consider a crowd-pleaser like The Christmas Chronicles on Netflix.
Bake cookies: Get the whole family involved in baking and decorating Christmas cookies.
Make a popcorn garland: This is a festive and fun craft you can enjoy together and later use to decorate your Christmas tree.
Play Christmas Charades: Searching Google for free printable charade cards can give you a night of fun that is sure to create hilarious memories.
Hot Chocolate Night: Warm up and gather around with the sweet treat of homemade hot cocoa.
DIY Christmas Cards: Create and send handmade Christmas cards to local nursing homes or soldiers abroad. A personal touch to your season’s greetings will mean a lot to the recipients.
Christmas Light Scavenger Hunt: Turn your Christmas light viewing into an adventure! Print out a free scavenger hunt, bundle up, and enjoy a hands-on game during your neighborhood stroll. Remember, the true spirit of the holidays can be found in the joy of being together—not the amount of money spent.
Taking Advantage of Free Christmas Events in Your Town
There are usually plenty of free Christmas events in your town or city if you know where to look. Here are some festive events you can attend without spending a penny:
Visit the Christmas tree in your town square: Most towns have a community tree lighting ceremony that often includes free musical performances too.
Check out community holiday parades: Many towns host Christmas parades that are open and free to the public.
Look for free events at local libraries and community centers: Many libraries and community centers host free Christmas-themed activities for children, from story readings to crafts or even visits from Santa!
Go Caroling in your neighborhood: Gather your friends and family for a simple and heartwarming tradition of spreading Christmas cheer through carols.
Visit Church ceremonies: Attend church services or watch local choirs perform their favorite Christmas hymns.
Volunteering: Use the season of giving to volunteer at a local food bank, soup kitchen, or charity. It’s free and can be a rewarding experience.
Christmas Lights Tour: Drive around or take a leisurely evening stroll to enjoy the holiday light displays in your local neighborhoods. Remember to check your city or town’s events website for a complete schedule and details. The holiday spirit is abundant and can be found without breaking the bank.
For more ideas, check out the Christmas bucket list that has plenty of fun holiday-filled events.
Shopping Strategies for a Frugal Christmas
While we have plenty of tips for shopping smart on our website, we are going to focus on two areas when preparing Christmas for the frugal.
Tip #1 – Start Buying Christmas Stuff in January
Starting your Christmas shopping in January means you get to spread the cost over the whole year, taking advantage of these deep discounts.
It’s very budget-friendly and helps control the infamous last-minute Christmas shopping spree.
Now, it’s important to note that you should only buy items you are reasonably sure you will use the following Christmas, to avoid clutter or unneeded spending.
Expert Tip: make a list during the holidays of the items you need, so you know precisely what to look for in the January sales.
tip #2 – Using Money-Saving Apps for a Frugal Christmas
To save money while shopping for Christmas presents, consider using money-saving apps. These apps give you cash back, coupon codes, and discounts while you shop, reducing the overall cost of your purchases, and essentially making you “earn” while you spend.
Here are some trusty tools to help you achieve a frugal Christmas:
Rakuten (formerly Ebates): This cash back app provides discounts on purchases from thousands of retailers when you shop through its site or the app.
BeFrugal: This app offers coupons, promo codes, and cash back offers to save on everything you buy. Sign up here for your $10 bonus.
Ibotta: Ibotta allows you to earn cash back on everyday purchases online and in-store with a snap of your receipt.
Honey: Honey automatically searches and applies the best coupons when you shop online.
Hip2Save: This deal website and app posts about a wide range of heavily-discounted products, from toys to housewares. One of my favorites!
Bonus: Paribus: Although not exactly a cash back app, Paribus is worth mentioning as it scans your digital purchases, seeking price drops and getting you a refund if an item you’ve bought goes on sale or if it finds the same product cheaper elsewhere.
By keeping these apps at your fingertips and using them proactively, you can stretch your Christmas budget further and end the year on a high note, financially.
Ready to a Magical Frugal Christmas?
The best part of being frugal is focusing on what is most important and saving money along the way.
That is why frugal living tips are so very helpful!
As a frugal person, there are some years that we can have Christmas on very little money, and in other years, we choose to spend a little bit more. Never ever have we spent close to the average Christmas spending.
That right there my friend defines a frugal Christmas.
If you are still on the fence about a frugal Christmas and spending $400 or less, then let’s think about it like this…
For 20 years, you spend half of the average spending at Christmas time, you will save over $8000. That amount doesn’t include inflation.
So, you need to ask yourself, how much are you willing to spend on the Pinterest perfect Christmas? That spending must be able to be paid in cash in full – not charged to a credit card.
We have shared many frugal living tricks to make your Christmas magical. What else would you add to the list?
Happy frugal Christmas!
More Christmas Gift Ideas:
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This topic is an age old debate.
Is money a symbol of success?
What does it mean to be financially successful?
Does money make you successful?
Money is the only measure of success, right?
Success is not measured by money, correct?
Is money everything?
The question only look to more questions.
And honestly, those deep-thinking questions are the ones that leave us feeling the most vulnerable and difficult to articulate.
That is why the success is money debate will be hotly contested at any happy hour, break room, or phone call.
Let’s dig into various sides of the argument, so you can make a wise decision for your life.
Just a hint… this topic show many shades of gray and might not be as black and white as you want.
Why is success Measured by Money?
There are many reasons why money is associated with success.
The primary reason is people deep down truly believe that money will change their situation. More money = more happiness. Isn’t that the quote we all grew up on?
Next, measuring success happens in two ways. The things that are tangible like money, assets, cars, houses, jewelry, etc. The other way of measuring success is intangible – something that you can NEVER value even if you tried.
Money opens doors of opportunities. You get to decide what equates to success.
That is why most people judge money success.
No matter how you spin it, money opens opportunities that weren’t available before. That is the final reason why measuring success with money happens.
Is Money the only Measure of Success?
Honestly, absolutely not.
However, one of the best ways to measure progress is with numbers. That is the reason so many people rely on measuring success with money.
Your financial success nonetheless is NOT the only measure of success.
There are many variables that go into your equation of success. Some to consider include:
Lifestyle
Choices to do what you want
Happiness
Gratitude
Ability to give back
Work / life balance
Spending time doing what you want to do
Helping others
The list can go on and on. Thus, the success is money debate will continue for ages.
The key point to remember is the word… YOUR.
This is your journey. Your path with money. You make choices based on your desires.
How to be Successful with Money
And not give up your soul.
This is a delicate balancing act. Honestly, it shouldn’t be labeled as a balancing act because that isn’t an accurate reflection of being successful.
You must find your rhythm.
Find the point where money helps you to do what you want to do in life, but isn’t your #1 focus. Let’s dig into ways to be successful with money.
1. Be Different
Going against the grain of society is gutsy. It is the willingness to be different. This is the moment when you say enough is enough of doing things society’s way and start putting your success first.
It will feel awkward at first.
Anything that is new is harder at first. Just like any resolution, it takes time for a new habit to be made.
Ways to be Different:
Learn to become self-reliant instead of just ordering something online.
When you want to bail on something, show persistence for just a little bit longer.
Sign up for Struggling to Financial Success Money Bootcamp to assess your finances.
Find a like-minded community.
Decide what is more important to you than money.
Learn to say no (and not feel guilty).
Celebrate your successes when you go against society’s norms.
2. Stop the Comparison Game
This is such an easy trap to fall into! Sometimes without even realizing it.
We don’t even need to leave the comfort of our home to start the comparison game. Society even pushes the concept of comparison – even at the young ages. Across all media, it is okay to wish for something you don’t have.
If everyone else is doing it, you might as well, too.
Is comparison the root of all evil? Probably not.
With money, comparison can cause a quick, slippery slope to debt. The average household has $90K of debt (not including mortgage). That is a heavy burden to carry.
Even if you manage to stay out of debt, reaching financial freedom and retiring early will be harder. It is okay to be different. It is okay to stay outside of the comparison game.
Societal pressures are huge. The impact can lead to financial ruin.
From money coaching, I have learned that many of their biggest financial decisions and mistakes have been made with outside pressures.
3. Stay Persistent to Your Plan
Persistence is a trait that was a given when I grew up. Remember the saying, “Practice makes perfect.” It was expected to try over and over again until you succeed. It didn’t have to be perfect; it was the effort that counted.
Today, persistence is a character trait our elementary school stresses to the students. Why? Because today’s kids give up WAY too quickly.
This is your story. Your money journey.
You judge your success with money based on your plan.
Getting out of debt. Stop living paycheck to paycheck. Reaching financial freedom. Retiring early. Those things will not happen on their own (wouldn’t that be great if it could?). It will be tough to reach those milestones.
Ask anyone who reached $1 million net worth, retired at 50, or had a little money left over at the end of the month but covered bills. They will say it was tough at times. But, it is worth the extra effort and persistence in the end.
4. Pay Yourself First
Money success is based on one simple area… saving money before you do anything else.
While this concept seems simple enough, do you actually pay yourself first?
This is something I talk about over and over here at Money Bliss, the reminder continues.
Today is payday, then you move money to a separate savings account.
That is as simple as it gets.
Resources to Pay Yourself First:
5. Be Wary of the Love Of Money
Remember the saying, “Money Talks.” Unfortunately, in today’s society, money talks. It provides access. It provides freedom. Money is a status symbol.
This is not true of every person in society. Not everyone struggles with the love of money.
But, many of our decisions tend to be based on money rather than what is better for our lives.
Everyone dreams of winning the lotto. A chance to finally change their situation. Honestly, winning the lotto creates bigger problems without getting to the root of the love of money.
Find contentment.
The best way to overcome the love of money is to be content with what you have been blessed with.
Regardless of the amount in your bank account, look around and find everything you have been blessed with.
Is Money Success?
What is your opinion?
Does the saying, “Money is the key to success” a part of your life.
The success with money debate will happen for years and there is nothing we can do to change that.
So, you have to define what success means to you.
As we have stated in this post, success looks different to everyone. This is your financial journey and legacy.
What would make you feel like you had an impact?
That is your answer to success with money.
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
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This course is designed for freight brokers in any setting, regardless of their employment status.
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The Empowered Business Lab teaches you how to sell your digital products naturally with strategies that just make sense.
Monica helps thousands find momentum and create revenue streams in their businesses.
After taking a second job as a driver for Amazon to make ends meet, this former teacher pivoted to be a successful stock trader.
Leaving behind the stress of teaching, now he sets his own schedule and makes more money than he ever imagined. He grew his account from $500 to $38000 in 8 months.
Check out this interview.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
The amount of money a couple needs for retirement can depend on several factors, including age, health, life expectancy, location, and desired lifestyle. There’s no exact number that represents what is a good monthly retirement income for a couple, as every couple’s financial needs are different.
Creating a retirement budget and considering what might affect your cost of living can help you narrow down how much monthly income you’ll need. You can use that as a guide to decide how much you’ll need to save and invest for retirement.
How Being a Couple Affects Your Income Needs
Being the main breadwinner in a couple usually increases the amount of income you’ll need for retirement, since you’re saving for two people instead of one. The money you save has to be enough to last for your lifetime and your spouse or partner’s, so that neither of you is left without income if you outlive the other.
Aside from differences in life expectancy, there are other factors that affect a couple’ income needs, including:
• Lifestyle preferences
• Estimated Social Security benefits
• Target retirement dates for each partner
• Part-time work status of each partner in retirement
• Expected long-term care needs
• Location
All of those things must be considered when pinpointing what is a good monthly retirement income for a couple. The sooner you start thinking about your needs ahead of retirement, the easier it is to prepare financially.
It’s also important to keep in mind that numbers to be used for the sake of comparison can vary widely. Consider this:
• According to the Pension Rights Center, the median income for fully retired people aged 65 and older in 2023 was $24,190.
• The average income after taxes for older households in 2022 was $63,187 per year for those aged 65–74 and $47,928 per year for those aged 75 and older, according to U.S. News Money.
💡 Quick Tip: When you have questions about what you can and can’t afford, a spending tracker app can show you the answer. With no guilt trip or hourly fee.
What to Consider When Calculating Your Monthly Income
One couple’s budget for retirement may be very different from another’s. A budget is simply a plan for spending the money that you have coming in.
If you’re wondering how much to save each month, it’s helpful to start with the basics:
• What do you expect your retirement expenses to be each month?
• How much income will you have for retirement?
• Where will this income come from?
It’s also important to consider how your retirement income needs may change over time and what circumstances might impact your financial plan.
Spending May Not Be as Low as You Think
Figuring out your monthly expenses is central to determining what is a good monthly retirement income. According to the Bureau of Labor Statistics, the typical household age 65 and older has annual expenditures of $72,967. That breaks down to monthly spending of about $6,080 per month. The largest monthly expense is typically housing, followed by transportation and food. If you’re planning to live frugally in retirement, spending, say, under $50,000 a year may sound achievable, but it’s not a realistic target for every couple.
For one thing, it’s all too easy to underestimate what you’ll spend in retirement if you’re not making a detailed budget. For another, inflation during retirement can cause your costs to rise even if your spending habits don’t change. That fact needs to be recognized and budgeted for.
Spending Doesn’t Stay Steady the Whole Time
It’s a common retirement mistake to assume spending will be fixed. In fact, the budget you start out with in retirement may not be sustainable years from now. As you get older and your needs or lifestyle change, your spending habits will follow suit. And spending tends not to be static from month to month even without events to throw things off.
You may need less monthly income over time as your costs decrease. Spending among older Americans has been found to be highest between ages 55 and 64 and then dip, according to Social Security reports.
It’s very possible, however, that your monthly income needs may increase instead. That could happen if one of you develops a serious illness or requires long-term care. According to Genworth Financial’s 2023 Cost of Care survey, the monthly median cost of long-term care in a nursing facility ranged from $8,669 for a semi-private room to $9,733 for a private room.
Expenses May Change When One of You Dies
The loss of a partner can affect your spending and how much income you’ll need each month. If you decide to downsize your home or move in with one of your adult children, for example, that could reduce the percentage of your budget that goes to housing. Or if your joint retirement goals included seeing the world, you may decide to spend more money on travel to fulfill that dream.
Creating a contingency retirement budget for each of you, along with your joint retirement budget, is an opportunity to anticipate how your spending needs might change.
Taxes and Medicare May Change in Your Lifetime
Taxes can take a bite out of your retirement income. Planning for taxes during your working years by saving in tax-advantaged accounts, such as a 401(k) or IRA, can help. But there’s no way to predict exactly what changes might take place in the tax code or how that might affect your income needs.
Changes to Medicare could also change what you’ll need for monthly income. Medicare is government-funded health insurance for seniors age 65 and older. This coverage is not free, however, as there are premiums and deductibles associated with different types of Medicare plans. These premiums and deductibles are adjusted each year, meaning your out-of-pocket costs could also increase.
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Common Sources of Income in Retirement
Having more income streams in retirement means you and your spouse or partner are less reliant on any single one to pay the bills and cover your expenses. When projecting your retirement income pie-chart, it helps to know which income sources you’re able to include.
Social Security
Social Security benefits may be a central part of your income plans. According to the Social Security Administration (SSA), a retired worker received $1,845 in benefits and the average spouse of a retired worker netted $886 during the most recent year reviewed.
You can expect Social Security to cover some, but not all, of your retirement expenses. It’s also wise to consider the timing for taking Social Security benefits. Taking benefits before your full retirement age, 65 or 67 for most people, can reduce the amount you’re able to collect.
Retirement Savings
Retirement savings refers to money saved in tax-advantaged accounts, such as a 401(k), 403(b), 457 plan, or Thrift Savings Plan (TSP). Whether you and your partner have access to these plans can depend on where you’re employed. You can also save for retirement using an Individual Retirement Account (IRA).
Tax-advantaged accounts can work in your favor for retirement planning, since they yield tax breaks. In the case of a 401(k) plan, you can also benefit from employer matching contributions that can help you grow your savings faster.
Annuities
An annuity is a contract in which you agree to pay money to an annuity company in exchange for payments at a later date. An immediate annuity typically pays out money within a year of the contract’s purchase while deferred annuities may not begin making payments for several years.
Either way, an annuity can create guaranteed income for retirement. And you can set up an annuity to continue making payments to your spouse for the duration of their lifetime after you pass away.
Other Savings
The other savings category includes money you save in high-yield savings accounts, money market accounts, and certificate of deposit accounts (CDs). You could also include money held in a taxable brokerage account in this category. All of these accounts can help to supplement your retirement income, though they don’t offer the same tax advantages as a 401(k) or an IRA.
Pensions
A pension is an employer-based plan that pays out money to you based on your earnings and years of service. Employers can set up pension plans for employees and make contributions on their behalf. Once you retire, you can take money from your pension, typically either as a lump sum or a series of installment payments. Compared to 401(k) plans, pensions are less commonly offered, though you or your partner may have access to one, depending on where you’re employed.
Reverse Mortgages
A reverse mortgage can allow eligible homeowners to tap their home equity. A Home Equity Conversion Mortgage (HECM) is a special type of reverse mortgage that’s backed by the federal government.
If you qualify for a HECM, you can turn your equity into an income stream. No payment is due against the balance as long as you live in your home. If your spouse is listed as a co-borrower or an eligible non-borrower, they’d be able to stay in the home without having to pay the reverse mortgage balance after you die or permanently move to nursing care.
Reverse mortgages can be used to supplement retirement income, but it’s important to understand the downsides as well. Chief among those are:
• Interest will accrue: As interest is applied to the loan balance, it can decrease the amount of equity in the home.
• Upfront expenses: Funds obtained from the loan may be reduced by upfront costs, such as origination, closing, and servicing fees, as well as mortgage insurance premiums.
• Impact on inheritance: An HECM can cause the borrower’s estate to lose value. That in turn can impact on the inheritance that heirs get.
How to Plan for Retirement as a Couple
Planning for retirement as a couple is an ongoing process that ideally begins decades before you’ll actually retire. Some of the most important steps in the planning process are:
• Figuring out your target retirement savings number
• Investing in tax-advantaged retirement accounts
• Paying down debt (a debt payoff planner can help you track your progress)
• Developing an estate plan
• Deciding when you’ll retire
• Planning for long-term care
You’ll also have to decide when to take Social Security benefits. Working with a financial advisor can help you to create a plan that’s tailored to your needs and goals.
Maximizing Social Security Benefits
Technically, you’re eligible to begin taking Social Security benefits at age 62. But doing so reduces the benefits you’ll receive. Meanwhile, delaying benefits past normal retirement age could increase your benefit amount.
For couples, it’s important to consider timing in order to maximize benefits. The Social Security Administration changed rules regarding spousal benefits in 2015. You can no longer file for spousal benefits and delay your own benefits, so it’s important to consider how that might affect your decision of when to take Social Security.
To get the highest benefit possible, you and your spouse would want to delay benefits until age 70. At this point, you’d be eligible to receive an amount that’s equal to 132% of your regular benefit. Whether this is feasible or not can depend on how much retirement income you’re able to draw from other sources.
Recommended: Does Net Worth Include Home Equity?
The Takeaway
To enjoy a secure retirement as a couple, you’ll need to create a detailed financial plan with room for various contingencies. First, determine your retirement expenses by projecting costs for housing, transportation, food, health care, and nonessentials like travel. Then consider all sources of retirement income, such as Social Security, retirement accounts, and pensions, and budget well.
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FAQ
What is the average retired couple income?
Figures vary. According to the Pension Rights Center, the median income for fully retired people aged 65 and older in 2023 was $24,190. The average income after taxes for older households in 2022 was $63,187 per year for those aged 65–74 and $47,928 per year for those aged 75 and older, according to US News Money.
What is a good retirement income for a married couple?
A good retirement income for a married couple is an amount that allows you to live the lifestyle you desire. Your retirement income should also be enough to last for your lifetime and your spouse’s.
How much does the average retired person live on per month?
According to the Bureau of Labor Statistics, the typical household age 65 and older has annual expenditures of $72,967. That breaks down to monthly spending of about $6,080 per month. Many factors, however, can impact a particular household’s spending and the amount of money they need to feel secure.
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Film director, producer, and screenwriter Nancy Meyers made Father of the Bride, Something’s Gotta Give, It’s Complicated, The Holiday, and many more iconic flicks. But beyond making some classic and beloved films, Meyers also established a signature interior design aesthetic.
If you’re envisioning spending summer at the beach and entering your coastal grandmother era (like me), here are a few tips and tricks for a Nancy Meyers coastal summer at home.
Evie’s product selections are curated by the editorial team. If you buy something through our links, we may earn an affiliate commission, at no cost to you. We only recommend products we genuinely love.
Lots of Rattan
In Meyers’ films, rattan and woven items tucked throughout the rooms give them a coastal feel: baskets, area rugs, even blinds. These are great pieces for not only the summer season but can be used throughout the year!
Target Threshold Large Natural Woven Round Basket, $30
To keep things organized and convenient, you might want to invest in this adorable wicker tray from Target. Light and easy to carry, this item will be the perfect accessory for all those summer evenings with guests.
Target Threshold Rattan Tray Light Brown, $15
Meyers must have a soft spot for dogs, as they appear in a few of her films! If you’re in need of a new bed for the family puppy, IKEA offers this extremely sweet rattan dog bed.
IKEA UTSADD Rattan Dog Bed, $89
You can’t have a coastal inspired summer without a rattan or wicker chair. Meyers clearly loves them too, as you can find these chairs situated all over her sets. The fun thing about rattan or wicker chairs is they’re extremely versatile. Perfect for the porch in summer to soak in the hydrangeas or as a cozy office chair in the winter for reading books.
Target Threshold x Studio McGee Woven Barrel Back Chair & Cushion, $280
IKEA also has an excellent selection of rattan chairs under $250. This adorable IKEA Wing chair reminds me of the rattan chairs my own grandmother had when I was small.
IKEA Risholmen Wing Chair, $239
IKEA Holmsta Armchair, $219
IKEA Agen Armchair, $99
Summer is for entertaining on the patio or near the pool, and that may mean you are in need of a rattan bar cart! (There can never be too many woven or rattan textures, in my opinion.)
Target Threshold Exmore Serving Cart Rattan, $250
Pops of Blue
Meyers is known for designing her coastal sets by mixing patterns, textures, and colors. She allows the homes to have a neutral base while simultaneously adding in patterns and bold pieces (in a way that isn’t overwhelming) to provide contrast and color. The go-to color for coastal style is blue, of course.
In Something’s Gotta Give, Nancy and her set decorator, Beth Rubino, placed floral accent pillows in Erica’s living room, as well as on the pool deck, giving the space a fresh summer feel. In the dining area, the blue and white flower chair covers add a vintage feel. If florals aren’t your thing though, an indigo stripe or a solid blue linen pillow cover might be the perfect fit.
Oxford Light Indigo Blue Organic Cotton Pillow Sham, $59
Blue Organic Laundered Linen Throw Pillow With Insert, $69
Hydrangeas
On the East Coast, the beloved hydrangea is seen all around gardens and in vases throughout the home. In Meyers’ films, she made sure to include these charming flowers. If you’re not lucky enough to have these beauties growing in your garden out back, Hobby Lobby carries a variety of colorful faux flowers! My favorite is the noted blue, but another option is the green hydrangea or the classic white. The best part is you can re-use them each summer.
Hobby Lobby Hydrangea Stem Blue, $20
Hobby Lobby Hydrangea Stem Apple Green, $11
Hobby Lobby Hydrangea Bush White, $20
The Nancy Meyers Kitchen
I love how Nancy Meyers started a trend 15 plus years ago, and it’s still going strong. Who knew she would be the one to create the desired white kitchen look and have women begging their interior designers to give their kitchen the Nancy Meyers makeover?
Marble countertops are featured throughout her films. If you don’t have any marble within your home, then there are a variety of ways to bring it into your space. In It’s Complicated, a beautiful marble tray is featured in the bathroom holding Jane’s favorite products. Another option is to add a marble canister for toothbrushes, or a marble utensil holder in your kitchen.
Pottery Barn Frost Marble Tray, $39
Target Threshold Utensil Holder, $25
Target Threshold Marble Canister, $15
Finding character pieces from a thrift shop or an antique sale can bring in a classical touch to a space as well. I always think of the way Meyers adds in copper pots or accessories to her kitchens. They’re usually hanging or situated on the stove at the ready. She also adds in various vintage decorative vessels or brass candlestick holders.
Crate And Barrel Emmett Antique Brass Candle Holder Set, $104
The Food Nanny Copper Ladle, $50
Books
Nancy Meyers knows the power of books. The large, white, built-in bookcases she adds to her movie sets or the way she tucks a bookshelf into the kitchen island like on Something’s Gotta Give creates a cozy atmosphere time and time again.
One place I find decorative books is at Goodwill. I choose hardcover books within my color palette, but I also pay attention to the topic, the aesthetic, and the photography. I prefer books on interior design, cooking, and, of course, coastal living. I also love switching out the featured books, depending on the season. All the ones I have out now are full of flowers, light summer meals, and photos that remind me of the coast.
Al Fresco: Inspired Ideas For Outdoor Living, $15
The Brooklyn Home: Modern Havens In The City, $22
Closing Thoughts
We may not all get to live on the East Coast enjoying hydrangeas in the garden or an evening walk on the beach, but these are some simple (and affordable) ways to bring the Nancy Meyers coastal feel to your own space, creating warmth and giving you the ultimate summer escape at home.
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You know that cool girl whose perfectly curated apartment reflects her vibe to a T? Every piece of decor goes together seamlessly, and her space feels entirely unique to her. We all strive to be that girl, but more often than not, sourcing decor that reflects your individual style and personality is more challenging than it seems. It can feel like you’re constantly removing stuff from your cart because it’s way out of budget, not totally your style, or so basic you feel like you’ve seen it a million times before. No shade to more popular retailers, but if you’re only shopping at the same few home decor stores as everyone else, you’re never going to find pieces that really feel extraordinary. If you’re ready to refresh your shopping habits, keep reading for nine under-the-radar home decor stores where cool girls are shopping.
Urban Outfitters may be a spot you usually turn to for clothes, but their home decor section shouldn’t be overlooked. From investment-worthy pieces like high-quality wood furniture to small, quirky knickknacks, there’s a huge range of home items with plenty of personality to fill your space. It’s a great place to shop if you love trying out new trends and unexpected styles.
If you want pieces that look chic and on-trend but don’t cost a fortune, H&M’s home section is the place to shop. They have tons of minimalist pieces with a high-end look but without the hefty price tag. Whether you want to refresh your bedding, invest in some new artwork, or snag some accessories to bump up your bookshelf wealth, you’re sure to find something you’re obsessed with.
You might be familiar with the Museum of Modern Art as a tourist attraction, but the MoMA Design Store is a hidden gem full of all sorts of artsy decor pieces. The MoMA’s curatorial department selects the items they sell, so you know you’re getting high-quality, well-designed pieces. This retailer is the ideal source if you like to collect unique pieces that you haven’t seen anywhere else.
You may be familiar with Chip and Joanna Gaines’s Hearth & Hand collection at Target, but their best designs are sold directly through the Magnolia brand’s site. Think less modern farmhouse and more moody cottagecore. In addition to vintage-style decor and furniture that looks like you sourced it from a flea market, you can also find authentic, one-of-a-kind antiques in their Found + Collected section. For anyone who loves a cozy, collected-over-time look, this is about to be your new go-to.
Zara has been a go-to for fashion girlies for years, but the retailer’s home decor division doesn’t get the same hype. Head to the Zara Home site to find all sorts of products ranging from kitchen and dining essentials to decorative accessories to accent furniture. Almost everything boasts an affordable price tag and a chic contemporary look that’s definitely cool girl-approved.
If you want truly individualistic pieces no one else will have, Etsy is the spot. The site has literally anything your interior design-loving heart might desire: affordable artwork, authentic vintage finds, handmade pieces from independent artists, and beyond. Plus, many sellers let you personalize their items, so you can get something completely one-of-a-kind.
You may recognize some Terrain pieces from its sister store, Anthropologie, but they have even more incredible decor to shop at their own URL. The home and garden brand has many bright, fun pieces to add a pop of color to your space. It’s one of the best home decor stores to shop if you love garden-inspired pieces with lots of florals.
If you need to find prints to fill a gallery wall, Society6 is the place to look. The online marketplace sells artwork from over 450,000 independent artists, so the odds of finding something for your space are very much in your favor. Also, if you fall in love with one design, you can often find the same artwork on prints on throw pillows, trays, blankets, and more.
9. Local small businesses
Local small businesses are arguably the best place to find high-quality decor that isn’t a dime a dozen. Your neighborhood boutiques, vintage shops, and thrift stores will have a wide selection of pieces you can’t find at larger retailers. You’ll also be supporting the local economy and often purchasing secondhand. I mean, what’s cooler than being able to answer the “Where did you get that?” question with “I thrifted it.” If you aren’t sure how to find good small businesses near you, turn to social media to do some recon. Comb through hometown influencers or bloggers to see who they tag, or simply take a Saturday to go exploring! You can also find places through Facebook Marketplace (small businesses and pop-up shops often post items there) or ask your friends and family to see if they have any recommendations.