You can still find free checking accounts these days if you know where to look, but truly free checking accounts are in short supply at big banks like Wells Fargo and Chase.
So the fact that the Chase Total Checking® makes it relatively easy to waive its $12 monthly maintenance fee counts as a win. At least, if you also appreciate the security of banking with a global financial institution.
Though it’s not perfect, Chase Total Checking brings some other perks to the table, including a nice-sized account opening bonus and no minimum balance requirements. Size it up and see if it’s right for you.
What Is Chase Total Checking?
Chase Total Checking is an everyday checking account. It has a $12 monthly maintenance fee that can be waived when you maintain a minimum balance, receive a qualifying direct deposit, or pay a certain amount in banking fees.
Chase Total Checking comes with a Visa debit card that’s accepted at millions of locations worldwide. It has a user-friendly mobile app that supports mobile check deposit, fast person-to-person transfers, and recurring bill payments. It also waives fees on short-term overdrafts under $50, though larger and longer-term overdrafts still incur fees.
You can open a Chase Total Checking account if you’re an adult U.S. resident, except if you live in Alaska, Hawaii, or Puerto Rico.
What Sets Chase Total Checking Apart?
Chase Total Checking has a few notable features worth calling out early on:
Above-average account opening bonus. Chase Total Checking comes with a $200 account opening bonus that’s very easy to earn. You just need to enroll by the promotion end date and set up direct deposit within 90 days.
No overdraft fees on certain transactions. Chase Total Checking comes with Chase Overdraft Assist, which waives fees on overdrafts under $50 and certain larger overdrafts where the negative balance lasts for no more than one business day.
Multiple ways to waive the monthly fee. Chase Total Checking’s $12 monthly maintenance fee is relatively easy to waive with a $1,500 minimum daily balance or at least $500 in monthly direct deposits.
Above-average mobile app. The Chase mobile app is one of the best in the business. It can do just about anything the desktop dashboard can do, plus accept mobile check deposits.
Key Features of Chase Total Checking
Chase Total Checking is a basic checking account with no minimum deposit or balance requirements, a decent but not huge ATM network, multiple overdraft protection options, and some other features worth noting.
Account Opening Bonus
Earn a $200 account opening bonus when you open your account and set up direct deposit within 90 days of coupon enrollment. You must open your account by July 19, 2023 to qualify.
Minimum Deposit and Balance
Chase Total Checking has no minimum opening deposit or ongoing balance requirements. Chase doesn’t close accounts for balance-related reasons unless they’re negative for an extended period of time.
Monthly Maintenance Fee & Waiver Options
Chase Total Checking has a $12 monthly maintenance fee. Chase waives this fee for at least the first two months after you open your account.
After that, Chase waives the fee in any month where you meet at least one of these waiver requirements:
Receive direct deposits or other qualifying electronic deposits totaling $500 or more
Maintain an average daily balance of $1,500 or more in your Total Checking account
Maintain an average daily balance of $5,000 or more in combined eligible Chase accounts, including your Total Checking account
ATM & Branch Network
Chase has about 15,000 ATMs in its fee-free network. It also has about 5,000 physical bank branches across the United States.
Importantly, Chase doesn’t reimburse out-of-network ATM fees for Total Checking customers. It’s best to avoid out-of-network ATMs with this account.
Overdraft Protection
Chase’s Overdraft Assist program waives the customary overdraft fee for overdrafts that meet either of the following criteria:
Totaling less than $50 at the end of the business day
Totaling more than $50 at the end of the first business day, but the account is brought to within $50 of a zero balance within one business day
For larger overdrafts, Chase offers two optional overdraft protection programs:
Overdraft Protection: Chase transfers the exact amount needed to cover the overdraft from your linked Chase savings account. If you don’t have a Chase savings account or don’t have enough in your linked savings account, this isn’t an option.
Debit Card Coverage: Chase allows transactions that would result in a negative balance to go through. There’s a $34 charge per item for this service (capped at three per day, or $102).
Chase Credit Journey
Chase Credit Journey is a free credit-tracking service that offers on-demand access to your FICO credit score and personalized tips on improving your credit score factors over time.
Possible Account Fees
Other potential Chase Total Checking fees include:
A $3 out-of-network ATM fee within the U.S.
A $5 international ATM fee
A $10 fee for a cashier’s check (bank check)
A 3% foreign exchange fee for international transactions
A fee of $0 to $50 per wire transfer, depending on the direction and destination
Mobile Features
The Chase mobile app has several useful features:
Rapid person-to-person transfers via Zelle, with no Chase user fees
Free mobile check deposit
Free one-time and recurring bill payments
Customizable account balance and transaction alerts
Card locking and unlocking
Advantages
Chase Total Checking’s biggest advantages include an easy-to-earn account opening bonus, no minimum balance requirements, and generous overdraft coverage for certain transactions.
Easy to earn the account opening bonus. Chase Total Checking is one of several Chase accounts with above-average account opening bonuses. Its bonus is especially easy to earn, requiring only that you set up direct deposit within 90 days.
No fees on certain overdrafts. Chase waives overdraft fees on smaller negative balances — down to minus $50. That’s not typical for a big bank and qualifies as a significant advantage.
No minimums. Chase Total Checking has no minimum opening deposit or balance requirements. You can live paycheck to paycheck with this account.
Powerful mobile app. The Chase mobile app can do basically everything your online account portal can, and in more places.
Monthly fee waived for at least the first two months. Chase waives the monthly fee on this account for at least two months from account opening. This gives you time to set up direct deposit or build up a balance that qualifies for a fee waiver later on.
Disadvantages
Chase Total Checking’s drawbacks include a relatively high monthly fee, high fees for overdrafts not covered by its overdraft protection plans, and no interest on balances.
$12 monthly maintenance fee. Though it can be waived without too much trouble, this account’s $12 monthly fee counts as a drawback all the same.
High fees for larger or longer-term overdrafts. Chase charges $34 per item and up to $102 per day for overdrafts not covered by its complimentary overdraft protection plans. This is on the high side for a U.S.-based bank.
No interest on balances. Chase Total Checking is not a high-interest checking account. In fact, it pays no interest at all. If you’re looking to grow your day-to-day spending balance, look elsewhere.
Relatively small ATM network. Chase has about 15,000 ATMs in its fee-free network. That’s significantly less than competing banks that belong to bigger networks like Allpoint and MoneyPass, which have tens of thousands of machines.
How Chase Total Checking Stacks Up
Chase advertises Total Checking as an account for everyday banking needs, and it certainly holds up its end of the bargain. But it’s not the only bank account that meets this description. Before you apply, compare it against another popular option with few frills: BMO Harris Smart Money.
Chase Total Checking
BMO Harris Smart Money
Monthly Maintenance Fee
$12, but can be waived
$5, limited waiver only
Waiver Options
Direct deposit or balance minimums
Only if you’re under age 25
Overdraft Fee
$0 for overdrafts under $50, otherwise $34 per item
$0, but BMO declines most overdrafts
ATM Fee Reimbursement
None
None
Interest on Balances
None
None
Final Word
Chase Total Checking® is a full-service checking account, but it’s not exactly fancy. With no interest or rewards and few benefits beyond the basics — overdraft protection and fee-free in-network ATM withdrawals, for example — it can’t stand up to more generous options.
But those options tend to have higher monthly fees and make it more difficult to waive them. By contrast, Chase Total Checking has multiple waiver options within reach of the average account holder, in particular the $500 monthly direct deposit requirement. And Chase waives the monthly maintenance fee for the first two months no matter what.
All in all, Chase Total Checking is a well-rounded bank account that’s better than many competitors. Maybe good enough to be the bank account you open next.
The Verdict
Our rating
Chase Total Checking®
Chase Total Checking® is a basic checking account with an easy-to-attain account opening bonus and a powerful mobile app. While it has no yield and lacks any real rewards for users, it does have customer-friendly features like no minimums, fee-free overdraft coverage for certain transactions, and free credit-tracking tools. Overall, it’s worth a look if you don’t need anything fancy from your bank account and can consistently get the monthly fee waived.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
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Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he’s not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.
Do you want to live a great life? Do you feel like your life isn’t going the way you want?
Maybe your plan isn’t working, or you just want a change because anything is better than how things are currently going.
Or, maybe you just want to improve your life even more this year!
No matter how you’re feeling, I believe that everyone is in charge of their own destiny and that everyone can learn how to live a great life.
If you feel things are not going the way you want them to go, then change it! You can improve your life and how you perceive it by taking part in different actions.
For that reason, I’ve packed this post with my best and most actionable tips so that you can live a great life, and there are some new ones that are sure to make this new year your best ever. Enjoy, and I hope this year is a great one for everyone.
Related reads:
How to live a great life in 2023!
1. Reach your goals in 2023.
To make it a great year, you’ll want to set goals so that you can reach your dreams. Those who set goals are much more likely to be successful than those who do not.
To reach your goals, you’ll want to:
Review the previous year along with your previous goals and objectives.
Make sure your goal is SMART.
Write down your goals and objectives.
Create a plan to reach your life goals.
Break your goal apart into smaller goals.
Keep track of your goal setting progress and make changes (if needed).
Find small ways to stick to your goal.
Find ways to motivate yourself when setting goals.
Make reaching your goal a friendly competition.
Read further at The Best Way To Set Goals And Reach Success.
2. Smile more.
Smiling is contagious and is very important if you want to live a great life!
Studies have even proven that smiling can improve your mood, even if it’s a fake smile.
Smile at the next person you pass, smile when you’re talking on the phone, smile when your loved one comes home, smile in an interview, and more.
Related: How To Better Yourself – 23 Challenges That Will Change Your Life
3. Don’t be afraid of what people think.
I used to really care about what other people thought of me, but I’ve been able to let go of that and now I couldn’t be happier. This has really helped me learn how to live a great life.
You shouldn’t let the opinions of others affect you, drag you down, control you, and so on. Like I always say “Who cares!?”
Why should the opinions of others matter to you? And, because everyone is different, all that should matter is what is right for you.
Related content: Learn How To Set Resolutions — Make This Year The Best Yet!
4. Spend less time watching TV.
I bring this up a lot on Making Sense of Cents, but this statistic is just crazy-
the average person watches around 35 hours of TV a week.
35 HOURS!
Our minds are greatly influenced by what we see on TV. Plus, watching TV can be a big time waster and can be detrimental if you want to live a great life.
Instead of turning on the TV the next time you are bored or looking for something to do, you may want to do something more worthwhile, such as working out, spending time with friends and family, reading a book, and so on.
5. Be more confident.
A lack of confidence may:
Prevent someone from believing in themselves.
Lead to someone being too shy to do what they want or need.
Force someone to do things they hate.
Cause someone to ruin a meeting, job possibility, and so on.
Lead to unhappiness.
On the flip side, confidence can open many doors for you.
It can lead to getting the job you want, making more money, reaching your dreams, meeting new people, networking, traveling the world, and more.
Read more at Be More Confident And Get What You Want In Life.
6. Be thankful for what you have.
The next time something negative is bringing you down, I suggest you try to remember all of the positive and good in your life. You already live a great life, you just need to remember that.
This is the power of positive thinking at its best.
You can be thankful for your family, friends, job, a past experience, opportunities, and more.
Thinking about everything you are thankful for can make something negative seem very trivial. You may even laugh at yourself for being so negative!
7. Start investing.
I want you to start investing if you haven’t done so yet.
You want to invest your money so that you can:
Retire one day.
Prepare for unexpected events in the future.
Allow your money to grow over time.
Read more at The 6 Steps To Take To Invest Your First Dollar – Yes, It’s Really This Easy!
8. Be kind to others.
You should always be kind to others. This can help both you and others live a great life. Being kind can open your mind, help you stop dwelling on negative things in life, brighten someone’s day, and more.
You can be kind to others by doing things such as:
Say hello to every person you walk by today.
Open doors for others.
Smile at strangers.
Help someone with their groceries.
Volunteer somewhere.
Related post: 50+ Random Acts of Kindness.
9. Look for ways to save more money.
Looking for ways to save more money may allow you to pay off your debt quicker, improve your financial habits, help you reach your dream sooner, and more.
Plus, there are many, many different ways to save money. You don’t need to sacrifice your favorite things or live an unhappy life in order to save money.
It’s all about being realistic and finding a good balance between saving and spending.
Read more at 30+ Ways To Save Money Each Month.
10. Take a risk.
Have you ever thought about doing something particularly risky but were too afraid to go for it?
Well, it may be your year! Or, at least maybe you can start planning to take that risk?
Doing something risky every so often can get your heart beating and your adrenaline rushing. This can really make you feel alive and like you are in charge of your life.
11. Realize that it’s okay to fail.
If you’re taking risks or trying new things, there is a chance that you may fail.
But, that’s completely okay!
You won’t know if something will work or not unless you try it, and sometimes failure is just a part of the learning process.
Part of living a great life is failing every now and then. Accept that fate now and you’ll be better prepared when it happens.
12. Create a budget.
The average family carries a lot of financial stress. Most people have student loans, credit card debt, a mortgage, car loans, and sometimes other forms of debt.
However, not many people have a budget.
In fact, 68% of households in the U.S. do not prepare a budget.
Budgeting can help you take control of your finances, which can then help reduce stress and allow you to reach your dreams. Having a budget is crucial if you want to live a great life.
Read more at The Complete Budgeting Guide: How To Create A Budget That Works.
13. Say yes.
If you often find that you’re hiding from everyone and you feel like you are stuck, you may want to try branching out and saying yes more often.
Saying yes can open you up to more situations, help you grow as a person, and so on.
14. Say no.
If you say yes to everything, but you are ready to pull your hair out, then you may want to start saying no. No one wants to be walked on or spread too thin, and you also don’t want to be holding yourself back from the things that you truly want to do in life.
Saying no may allow you to have more time to focus on what you truly want from life.
15. Don’t let life pass you by.
It can be really easy to let life pass you by. Before you know it, years or even decades may be gone.
Too many people have the mindset of “Oh, in 10 years life will be so much better because of such and such.” And then, they just let their lives go by without ever thinking about the present.
Well, what about now?!
10 years is a long time!
Reaching a goal is great, but you should always make sure you are living life to the fullest (on a budget, of course).
16. Cherish moments with loved ones.
You should never take a moment for granted with those that you love. This will sound very doom and gloom, but you just never know what may happen to you or them.
Plus, spending time with your loved ones is always a great time, so why not just do it more?!
17. Pay off debt.
Paying off your debt can lessen your stress levels, allow you to put more money towards something else (such as retirement), stop paying interest fees, and more.
Debt can hold a person back significantly, and by paying off your debt you may be able to live the life that you’ve always wanted.
Let’s make this the year that we finally get rid of our debt or at least work our way towards eliminating it!
Read more at How To Eliminate Your Debt.
18. Exercise more.
Whenever I’m feeling a little stressed out, tired, or even grumpy, I try to fit in a workout. I know that even a small workout is better than none.
Exercising is great and it can improve your life because it can make you healthier all around. You will feel more confident, your mind will be clearer, you will be able to better cope with stress, and more.
19. Increase your credit score.
If you need a loan for anything in the future, you can do easy things to increase your credit score. Watch your utilization rate on your credit cards, pay your bills on time, watch the amount of hard inquiries on your credit report, and so on.
Your credit score is important because it can affect your interest rate and whether or not you will get approved for a loan.
Just a few percentage points can mean the difference of hundreds of dollars each month.
That means you can wind up saving THOUSANDS each year just by increasing your credit score. You can check your credit score for free with Credit Sesame.
20. Don’t keep up with the Joneses.
Whether you are five years old and want that new toy everyone is playing with, or if you are 50 years old and are feeling the need to upgrade your house, car, etc., everyone has experienced wanting to keep up with someone else.
The problem with this is that keeping up with the Joneses can actually make you broke.
When trying to keep up with the Joneses, you might spend money you do not have. You might put expenses on credit cards to (in a pretend world) “afford” things. You might buy things that you do not care about. The problems can go on and on.
This can then lead to an excessive amount of debt and potentially set someone back years with their financial goals, if not decades.
21. Do what YOU want to do.
What makes you happy, excited, joyful, and motivated? That’s what you should be doing with your life (as long as it’s legal)!
Stop thinking about what other people want you to do and start listening to your heart. Who cares about what others think? If you spend all your time thinking about others, you will just be wasting a ton of time!
If you want to live a life of adventure – Go for it.
If you want to start a family – Start planning one.
If you want a better job – Get one.
If you want to change the world – Do it.
22. Read as much as you can.
I’ll admit it, I don’t read as many books as I would like to.
I’m so focused on reading about personal finance, but I know I need to occasionally take a break and do some reading for pleasure.
Reading is great for many reasons, such as:
Providing knowledge.
Improving your memory.
Opening your mind.
Bringing out your creative side.
It is affordable entertainment.
And more!
23. Think positively.
I say this often, and I believe it.
Thinking positively can greatly improve your life and your outlook on life. Being positive can help motivate you, it can help you to not waste time on regret, and more.
Related article: Why I Believe Being Positive Can Change Your Financial Situation And Your Life.
24. Don’t waste time on being negative.
You are wasting your time when you are being negative.
Instead of wasting your energy on things like dwelling on regret and/or gossiping, you can be more productive by using this time for things that actually matter.
By being more positive, you will be able to better simplify your life.
25. Find free forms of entertainment.
Someone once told me how expensive it was to have fun. They were telling me about all of their debt and everything that goes along with it, then they also told me that their monthly “fun” budget was around $500.
Uhhh what?! $500? A month?!
If you are trying to get rid of high-interest rate debt, I can’t think of any reason for why you should be spending $500 a month to have fun.
There are many ways to have fun for cheap. Check out How To Have Frugal Fun for some of my ideas.
26. Stop letting money control you.
If you want to gain control of your life and make it a great year, then you need to gain control of your money.
This means you need to stop worrying about all of the things that are holding you back. Instead, create an action plan so that the littlest things do not tear you down or stress you out.
27. Get enough sleep each night.
According to the National Sleep Foundation, the average person needs around 7.5 hours of sleep in order to “function at their best.” However, the average person actually only sleeps around 6.5 hours.
Lack of sleep, according to HealthLine, can lead to issues such as:
Impaired brain activity
Memory problems
Moodiness
Depression
Cold and Flu
Type 2 Diabetes
Weight gain
High blood pressure
Heart disease
Due to this, you should aim for 7-8 hours of sleep every night.
28. Find something good in a negative situation.
There may even be some good in a bad experience, even though it can be hard to think about the positive while you are experiencing something negative.
Through the power of positive thinking, you can use a bad experience to learn something new about yourself, to realize you made a mistake, to come up with a new plan you never thought of before, and more.
Taking the negative and turning it into a learning experience can help prevent a negative situation from happening again. Or, maybe next time you’ll be more prepared!
29. Travel to a random place.
There are many wonderful places in the world. Traveling to a random place can help improve your confidence, open you up to new experiences, and may even make you a little uncomfortable- and sometimes that’s okay.
30. Create a bucket list.
If you don’t have a bucket list, I recommend creating one now! In case you are unaware, a bucket list is where you list all of the major goals you want to meet, places you want to visit, and things you want to do in your life.
Creating a bucket list can give you the motivation you need to work harder towards your dreams, it can give you a sense of direction, and a great feeling of fulfillment as you complete each amazing thing you want to do.
31. Welcome the unknown.
Some people like to ignore the unknown because they are afraid of it. However, you’ll never know what your future holds unless you try new things and welcome different experiences.
When looking forward, you should make a realistic plan for what may happen once you start taking steps to reach your goal. This may make the whole thing much more relaxing and less stressful because you will be more prepared for the unknown.
For example, if you want to leave your job for something else but are afraid of what may happen, one thing you might want to do is to make sure you have a well-funded emergency fund. This way, if it takes you a little longer to find your dream job or dream life, your emergency fund will be there to help ease some of the stress.
32. Be open to new things and tackle your fears.
When was the last time you did something new? So many people live inside their comfort zone when they actually need to branch out every now and then.
Yes, stepping outside of your box can be tough, but what if it completely opened your eyes and changed your whole outlook on life? Wouldn’t that be amazing?
If you want to learn how to live life to the fullest, this is something you need to do every now and then. You could even give yourself a goal to try something new each day, each week, or each month.
33. Become more organized.
Being unorganized can waste a significant amount of your time. It leads to late fees, stress, lost items, and more.
Here are some surprising statistics I found from Simply Orderly about being unorganized:
The average person spends 12 days per year looking for things they can’t find.
Every day, the average office worker spends 1.5 hours looking for things.
In a recent survey, 55% of consumers stated they would save anywhere from 16 to 60 minutes a day if they were organized.
23% of people pay bills late and have to pay late fees because they are unable to find their bills.
34. Be open minded to live a great life.
Being open minded is a great quality. There are billions of people in this world and everyone is different, so instead of judging others we should be more open minded.
And, everyone can stand to be a little more open minded.
Being open minded can help you accept changes, love others, be optimistic, learn from others, and most of all, it’s relaxing. Instead of worrying about what everyone else is doing, you can relax, have less stress, and just accept those around you.
35. Finally get rid of cable.
The average monthly cable bill is over $100. The average cable bill is around $200 a month.
You can read more about cutting cable here and how to save money by doing this. I recommend getting a digital antenna so that you can receive local channels for free!
We don’t pay for any form of TV (not even Netflix!), and we LOVE it.
36. Drink more water to live a great life.
According to Lifehacker, the average person should drink around 9 to 13 cups of water per day. This is just a baseline, though, as if you exercise or are in hot weather, then you should consume more.
However, not many people get anywhere near this amount of water.
Drinking water can help you lose weight, perform better, be happier, prevent headaches, help your skin, and is a must for your body to survive.
37. Make more money.
Here on Making Sense of Cents, I spend a lot of time discussing extra income, side hustles, side income, and how to make money online. I believe that earning extra income can completely change your life in a positive way. You can stop living paycheck to paycheck, pay off your debt, and more, all by earning extra money.
In fact, because of extra income and my blog, I was able to pay off $38,000 in student loans within 7 months, I was able to leave my day job in order to pursue my passion, travel full-time, and more!
Related blog posts:
38. Spend less time on social media.
The average person spends many, many hours on social media each week.
Between Pinterest, Facebook, Twitter, Instagram, Snapchat, and many others it can be quite easy to waste your entire day.
If you find that you are spending too much time on social media and that it is negatively impacting you, you may want to shut down the social media accounts that you are spending too much time on. You can even create a time block so you cannot access your accounts during certain periods of the day, and so on.
39. Declutter and downsize.
Decluttering and downsizing can help you:
To save money. In some cases, a bigger home can cost more due to higher utility bills, more clutter being bought, higher insurance, more maintenance and repairs needed, higher purchasing price, etc.
To have less clutter. The bigger your home, the more likely you’ll have empty rooms that you feel the need to put stuff in. Now that we live in an RV, we are much more mindful of what we buy. We think about every purchase in terms of weight, size, where we can store it, and more.
To spend less time on maintenance and repairs. If all other factors between two homes are the same (age, location, etc.), a bigger home is more likely to take up more of your time and money due to more things breaking.
To spend less time cleaning. A larger home is going to take a lot more time to clean than a smaller one.
40. Have regular family money meetings.
Talking about money and conducting regular budget meetings is an important task for every family and serious relationship to take part in. A family who has regular money talks and budget meetings is more likely to be financially successful and happier than a family that doesn’t.
Regular money meetings can lead to better communication between family members, a more unified financial goal, family members being more involved and motivated, and more.
Read more at Family Budget Meetings – Yes, You Need To Have Them.
41. Keep a journal.
While I don’t have a journal, I do have this blog, which acts as a journal in a way. Keeping a journal can help you reflect on your past, and it also allows you to see the progress you are making towards your goals and dreams.
Plus, spilling your heart out every so often is great for the mind and soul.
Related tip: If you’re looking for a life planner, I highly recommend checking out Erin Condren and looking at their life planners and monthly planners. This can be a great way to stay motivated so that you can reach your dream life!
42. Don’t be afraid to be successful.
When some people become successful and reach their goals, they occasionally start feeling guilty.
Yes, I know, this might seem weird. However, I understand this.
Sometimes I really dislike telling my friends and family how great life is and how much I love my business. I often feel guilty, but I just need to remember that a mixture of luck and hard work led me to where I am. Everyone has their down points, and I had them as well.
You shouldn’t be afraid to talk about your accomplishments, and you shouldn’t ever be ashamed of your success.
43. Sit silently.
When was the last time you just sat down in complete silence with no distractions? For the average person, this is probably a rare occurrence.
Sitting silently can help you reflect on your life and what’s going on in the world around you. It can also help you relax, destress, and clear your mind.
44. Have an emergency fund.
An emergency fund is something that I believe everyone should have. However, according to a report by Bankrate.com, 26% of Americans have no emergency fund whatsoever.
This same report stated that only 40% of families have enough in savings to cover three months of expenses, with an even lower percentage having the recommended six months worth of savings.
This is frightening to me, as having an emergency fund can really help you get through tough parts of your life.
An emergency fund can help you if you lose your job, if your hours are cut back, if you have an unexpected expense, and so on.
Read more at Everything You Need To Know About Emergency Funds.
45. Stay motivated.
Even with how much I love saving money, every now and then it becomes easy to get unmotivated and want to SPEND ALL THE MONEY!
I’m sure I’m not alone either.
While many choose to live a frugal life, it’s not always easy. Some have large amounts of debt to pay off, others find it hard to stick to a budget, and more.
Finding financial motivators will help you continue to work hard towards your goal, even when it seems impossible. Without motivation, one might give up on a financial goal quite easily. This is why it’s so important to learn how to stay motivated.
Read more at Paying Off Debt And Budgeting: Tricks For Staying Motivated.
46. Stop being afraid of your past.
Just because you may have failed at something in the past, this should not prevent you from aiming for your goals. I know people who have completely given up with reaching for hard goals because they weren’t successful in the past. However, that’s a horrible mindset to have.
If you have failed in the past, then you should use those mistakes as learning tools for the future.
What will you do to live an amazing life? What tips on how to live a great life do you have to share with us?
What is the best Alaska cruise for couples? If I could only do one Alaska voyage with my spouse, I know which one I would pick: A seven-night sailing out of Juneau on one of UnCruise Adventures’ small ships.
I love the adventure focus of these tiny, no-frills ships, which hold fewer than 100 people and focus on getting travelers into remote parts of Southeast Alaska for hiking, kayaking, whale watching and other outdoorsy pursuits.
That said, an Alaska cruise with UnCruise (so named because its cruises are designed to not be like a typical cruise) isn’t for everyone.
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If your idea of the perfect couples cruise to Alaska is being pampered at every turn (and you’re not worried about your budget), you might want to sign up instead for a sailing with an ultra-luxury line such as Silversea Cruises, Seabourn or Regent Seven Seas Cruises.
If you’re looking for an Alaska cruise for couples that won’t break the bank, I’d probably steer you to one of the Holland America ships sailing north to Alaska out of Seattle.
In short, there’s no one answer to the question of what’s the best Alaska cruise for couples. Many cruise ships and itineraries could fit the bill, depending on your vacation preferences.
Here we list our top picks for the best Alaska cruises for couples.
An off-the-beaten-path Alaska adventure with UnCruise
You’ve probably never heard of UnCruise Adventures. It’s such a tiny brand that all the customers who sail the line in a year probably wouldn’t fill a single giant Royal Caribbean ship. But if you’re a couple looking to get off the beaten path in Alaska for adventure, it’s the ship-based travel company you want to get to know.
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Specializing in Alaska trips, UnCruise operates a fleet of super-tiny vessels — the biggest carries just 86 people — that are so small they can go to remote, outdoorsy parts of Southeast Alaska that no big ship could visit. We’re talking tiny bays surrounded by miles of forests where you’ll be the only ones around. Or a tiny native settlement that is home to just hundreds of people.
The main focus of UnCruise sailings in Alaska is the Great Outdoors. The company is known for trips into wilderness areas of Southeast Alaska, where passengers can enjoy hiking, kayaking and wildlife-watching. You’ll go days without seeing anyone else but the handful of people on your vessel.
On an UnCruise Adventures trip, the vessel serves as a floating adventure platform that can get you into the most remote areas in a small-group setting. The vessels carry skiffs for exploring and landings, kayaks, paddleboards and other adventure toys.
Related: The 18 best small cruise vessels sailing the world
Just don’t expect anything too fancy. UnCruise vessels are comfortable but no-frills. Many were built decades ago when cruise vessels were more spartan. On most of the vessels, you’ll find a single casual dining area, a lounge that doubles as a bar and basic cabins. That’s it. What you’re paying for is where the ship can get you and the adventure of it all.
By their very nature, these are trips that mostly cater to couples. In fact, because of the adventure focus of the daily activities, the line restricts children on board to those at least 8 years old. The small vessels also do not have any family-focused attractions on board like you’d find on bigger cruise ships.
Note that UnCruise Adventures’ nine small vessels break down roughly into two categories. Ships with Wilderness in their names are more no-frills and described as expedition vessels; those with Safari in their names are higher-end and touted as boutique yachts. My favorites are the Wilderness vessels, which are less pricey, on average. But to each his own.
A luxury Alaska trip with Silversea Cruises
Couples who want the ultimate in pampering when exploring The Last Frontier — and for whom money is no object — might want to look at an Alaska cruise on one of several ultra-luxury ships that sail regularly to Alaska. They cater mostly to older couples and solo travelers and draw relatively few families, though you do sometimes find some children on board.
Silversea Cruises is the leader in this market, with two ships sailing to Alaska in any given year. For the 2023 season, the line is sending one of its newer ships, the 596-passenger Silver Muse and the older, 382-passenger Silver Whisper to Alaska. But in 2024, it’ll swap in its newest, snazziest vessel, the 728-passenger Silver Nova, for Silver Whisper. That’ll give it the most modern fleet of luxury ships in the state.
Other ultra-luxury lines that operate in Alaska are Regent Seven Seas Cruises, Seabourn and Scenic Luxury Cruises, each of which sends one vessel to the state for all or at least part of the summer season.
Related: The 8 best luxury cruise lines for elegance and exclusivity
What all three of the Silversea ships that will sail in Alaska over the next two years have in common is that they offer large, elegant and supremely comfortable suites (and every cabin is a suite on these ships); pampering service (that fancy suite comes with its very own butler); and gourmet cuisine of the sort you find at the finer restaurants in big cities.
Among the standout dining options on board is the modern French eatery La Dame, which offers a Michelin star-style evening that showcases ingredients like France’s sublime Limousin beef, presented with a flourish. The Atlantide restaurant offers such delicacies as caviar and lobster presented beautifully and at no extra cost.
Or if you want to have caviar in bed, your butler will only be too happy to arrange it — and will deliver it with white gloves and in full tuxedo tails.
In short, think of these ships as floating Four Seasons or Ritz-Carlton hotels. They offer those sorts of lodging experiences with the pricing to match.
A low-cost sailing from Seattle with Holland America
Looking for the best cruises to Alaska for couples on a budget? My picks are the seven-night sailings to the state that Holland America offers out of Seattle.
Often, the lowest starting prices for any cruise to Alaska are these sailings, both on an absolute and per-day basis.
For the 2023 season, for instance, many Holland America sailings to Alaska from Seattle are available for under $750 per person for seven nights, as of this guide’s posting. I even found some as low as $429 per person for a weeklong cruise.
That’s even lower than the typical starting prices for Alaska voyages offered by Carnival Cruise Line, which is the low-cost leader for sailings out of most U.S. ports. When I was pricing voyages for this story, I found few Carnival sailings available for under $750 per person, with most Carnival sailings starting around $800 per person or more for seven nights.
Related: The ultimate Alaska cruise guide
With a history in Alaska that goes back more than 70 years, Holland America is one of the longtime leaders in cruises to the state (along with its sister brand, Princess Cruises), and its target market is couples (skewing to the older side, with lots of retirees) rather than families.
Holland America bases two ships in Seattle for cruises to Alaska: the 2,104-passenger Eurodam and 1,964-passenger Westerdam.
A land-and-sea hybrid trip with Princess Cruises
If you’re a couple looking to see more of Alaska than its coastal areas, a hybrid trip combining a cruise with a multi-day land tour to inland areas is your best bet. These “cruisetours” are a specialty of Princess Cruises, as well as its sister company Holland America.
Princess has particularly robust offerings when it comes to such trips because it operates five wilderness resorts in Alaska that it incorporates into its itineraries. The resorts are spread across such iconic inland destinations as Denali National Park and the Kenai Peninsula.
Princess also has its own fleet of buses and rail cars to take you from its ships to its resorts, with all such transportation included in its packages.
The line sells 24 cruisetour itineraries that add three to 10 nights of land touring to a seven-night cruise. The options include Denali National Park-focused “Denali Explorer” routings that include a seven-night cruise; a scenic train ride to Denali National Park; two to four nights at a Princess lodge at Denali National Park; and an additional one or two nights in Anchorage or Fairbanks, Alaska, or both. These trips range from 10 to 13 nights in total.
In addition, Princess offers longer and more far-ranging “Off the Beaten Path” routings that add nights at the remote Copper River Princess Lodge in eastern Alaska near Wrangell-St. Elias National Park or the Kenai Princess Wilderness Lodge on the Kenai Peninsula. These trips range from 13 to 15 nights in total.
Even longer “Connoisseur” cruisetours combine stays at up to five Princess lodges in multiple locations around the state and last up to 17 nights.
Related: The coolest things to do on an Alaska cruise
All cruisetours are offered in conjunction with one-way voyages between Vancouver, British Columbia, and Alaska — something that Princess offers in abundance each summer during the short Alaska cruise season.
Many of the ships that sail on such itineraries have permission to visit Glacier Bay National Park, a highlight of any Alaska trip. Princess takes more guests to Glacier Bay National Park than any other cruise line, as 74% of all its itineraries include a visit to the park.
A more in-depth Alaska escape with Viking
For couples looking for a more in-depth exploration of Alaska’s coastal areas than most lines offer, Viking may be the perfect choice. A relative newcomer to Alaska sailings, the upscale cruise brand operates longer Alaska sailings than is the norm, with every one of its Alaska departures lasting at least 10 nights.
The longer sailings allow for calls in a broader mix of coastal Alaska towns than you’ll find on the seven-night itineraries that are more typical for cruises to Alaska. In addition to stops at classic Southeast Alaska cruise destinations such as Juneau, Skagway and Ketchikan, Viking’s 10-night Alaska itineraries include a visit to Valdez, Alaska — a less touristy coastal town known for its fishing boat fleet that’s home to fewer than 4,000 people — and a cruise into little-visited Yakutat Bay.
Most Viking sailings to Alaska also begin or end with an overnight call in Anchorage, which is too far north for ships on seven-night Alaska itineraries from Seattle and Vancouver to reach. Passengers can visit attractions in and around the city that they couldn’t see on the sailings offered by almost every other line.
Viking, notably, offers included-in-the-fare tours in every one of these ports, allowing every passenger on board to get a guided experience during stops without paying extra. (Generally, Viking voyages are highly inclusive, keeping with its “no nickel-and-diming” philosophy.)
Related: The 5 best destinations you can visit on a Viking cruise
On board, Viking’s programming revolves heavily around what the line calls “cultural enrichment” — lectures by experts on topics related to the places its ships visit (in this case, Alaska), as well as cultural and culinary offerings that often have a local tie-in.
Indeed, Viking is known for catering specifically to a certain type of thoughtful, inquisitive, generally older traveler who is as interested in learning while on vacation as being pampered. Agewise, its sweet spot is travelers (mostly couples) who range from 55 to 75 years in age. So, if you’re on the younger side, this might not be the perfect couples cruise for you.
What Viking ships don’t offer is a lot of onboard amusements aimed at families and younger travelers. In fact, the line doesn’t even allow children under the age of 18 on its ships. It’s one of the only major cruise brands in the world with such a rule. That makes it by definition a cruise line for couples as well as some solo travelers.
For 2023 and 2024, Viking will base one ship in Alaska during the summer (the 930-passenger Viking Orion), but it’ll expand in 2025 with a second vessel (the 930-passenger Viking Sea). In addition to 10-night sailings to Alaska, the ships occasionally offer longer, 22-night sailings that extend beyond Alaska all the way to Japan.
Bottom line
More than a dozen major cruise lines operate Alaska cruises during the spring, summer and fall, giving couples wanting to explore the state on a cruise a wide range of choices.
What is the best Alaska cruise for couples? There is no one right answer. It’s defined by your personal interests and travel style, with the best Alaska cruise for you and your companion depending on how much adventure you prefer on a vacation, how much luxury you require, your budget and more.
Graduating from college is a huge accomplishment, so of course you want to honor the young scholar in your life. Just think of all the places their lives will take them!
There’s just one problem: You know that stereotype about broke college students? That’s not going to change for a while after graduation. They’ve got to find a job (which is sometimes much easier said than done), locate a place to live, and get started on being a grown-up. That’s tough to do when you’re starting from scratch.
But that’s where you come in! If you’ve got a friend or family member who’s graduating, we’ve got some gift ideas to help them embark on post-college life:
1. For the job they’ll have
When people graduate, suddenly their lives become focused solely on finding a job. You can help with that by giving gifts they’ll be able to use as a young professional.
Clothing or accessories appropriate for interviews or workdays will be much appreciated – every interviewee wants to look polished and professional to help their chances of landing and keeping a job.
A resume service could be very useful – there’s an art to creating a resume that will catch the eye of potential employers. There are plenty of services all around that offer advice on making any resume effective.
Likewise, a session with an interview coach could help a recent grad land the perfect job. Anyone can use a few pointers on how to conduct themselves in an interview so they’ll make a great first impression.
Finally, a nice briefcase or laptop bag is the perfect accessory for an interview or day in the office.
Moving after graduation? Check out our infographic: Top 10 Cities for College Grads: Post-Graduation Moving Trends.
2. For the money they’ll make
Many people consider graduation a great time to start thinking about the future. In that vein, why not set up or contribute to a Roth IRA for your recent graduate? They’ll appreciate your thoughtfulness now, but they’ll be especially happy when it comes time to retire and they have a nice little nest egg, partially funded by you.
Many young people are overwhelmed at the choices in front of them when it comes to investing and saving money. Surely they’d appreciate some financial advice as a gift – you could sit down with a recent grad and give them some one-to-one advice, or if you’re no expert yourself, a nice book could do the trick.
Need some book recommendations? We’ve got them: The Top 5 Personal Finance Books.
3. For the home they’ll create
After college, it’s time to get some real kitchen accessories – no more drinking out of plastic Solo cups.
Any graduate will appreciate some grown-up glassware for nights in with friends and family.
You could also buy someone a starter set for the kitchen – a few place settings, pots, pans and utensils. It doesn’t have to be fancy stuff; durable everyday kitchenware is an uber-practical gift.
Anyone with their own place – male or female – needs a few tools as well. Consider giving a small toolbox with some basic necessities: Hammer, screwdriver, pliers, wrench. These starter tools will help your young friend hang pictures on the wall, do minor maintenance tasks, and learn to become more self-sufficient.
Looking for cooking tools? We have recommendations for The Best Kitchenware on a Budget.
4. For the places they’ll go
Many graduates dream of traveling the world, either for their jobs or in their vacation time. There are many fun, inexpensive accessories you can give as gifts to support that dream:
Passport holders make great presents, as well as travel logs for them to document their many upcoming adventures.
If your recent grad loves vintage accessories, an atlas might make them happy – there’s something romantic about plotting a trip on paper instead of online.
If they prefer the digital life, gift them with iTunes or Amazon gift cards so they can download music and audio books to keep them entertained on their travels.
If you know someone who’s traveling, you might share The Benefits of Renting Vs. Staying in a Hotel.
Congratulations to all the college graduates out there! What would you like to receive as gifts?
Six of the highest-selling prescription medications in the United States will be “off-patent” before the end of 2012. The costs associated with those currently pricey meds will drop faster than the Dow on a bad day.
Here’s one example: The generic form of Lipitor might cost as little as $10 per month, compared to the $150 it can cost now. Yowza!
It’s a very big deal even if you have health insurance. The average co-pay for a generic formula in the U.S. is $6, as opposed to $24 for non-generics with “preferred status” and $35 for non-preferred brand. That doesn’t help much if you use a medication not afforded rock-star status by your insurer — or, worse, if you can’t afford insurance.
As welcome as these new generic formulas will be, you needn’t wait around for prices to tumble. There’s more than one way to cut the cost of medications.
Start With the Cheap Stuff
Plenty of generics already exist. Doctors sometimes prescribe the designer drugs out of habit, but maybe 10 days’ worth of penicillin would vanquish that upper-respiratory infection just as well as a pricier antibiotic. Speak up, already: Explain that you’re on a tight budget and in the market for a just-as-good-but-cheaper formula.
Taking maintenance meds? You can pay as little as $4 for a month’s worth of pills at places like Target, Wal-Mart and Safeway. Visit store websites to find which drugs are available, then ask your doctor which ones will work for what ails you.
Note that while generics generally perform as well as the pricier pills, a few of them might not. If your doctor is adamant about your staying with the name-brand stuff, there might be a good reason. Of course, it wouldn’t hurt to seek a second opinion.
Walgreens has a “Prescription Savings Club” whose $35 annual fee gets you and your immediate family discounts on more than 8,000 different meds. Of those, more than 400 generics are available for $12 for a 90-day supply.
Once you’ve gotten a prescription established, either by bringing it in or having your doctor phone/fax it in, you can refill over the phone or online. The store might even offer free shipping. Ask.
And speaking of the Internet: Sites like Drugstore.com sell prescription medications, as do online pharmacies such as Caremark and Medco Health Solutions Inc.
Caution: The National Association of Boards of Pharmacy recently issued a public health alert about fake online pharmacies, noting that 96% did not comply with U.S. pharmacy laws. The organization recommends buying only from verified internet pharmacy practice sites.
Drugs that Are Free
You might not have to pay for meds at all. Once that strep throat is diagnosed, ask if the doc has any drug samples. Pharmaceutical reps drop off boxes of free meds along with those fabulous calendars, pens and tote bags. Your doctor might reserve these drugs for desperately broke patients — but maybe that’s you. It can’t hurt to ask.
Tip: Some drugs, such as prenatal vitamins and certain antibiotics, are free at Top Foods, Meijer and Publix supermarkets.
If you’re living on a very low income, you might qualify for free medications through patient assistance programs offered by most pharmaceutical companies. Groups such as NeedyMeds, the Partnership for Prescription Assistance, the Chronic Disease Fund and HealthFinder.gov can tell you more.
Several drug companies also joined forces to create the Together Rx Access Program, designed for people under the age of 65 who have no prescription drug coverage. This free, income-based program makes it possible to save 25% to 40% on more than 300 medicines and medical products, and is accepted in most major pharmacies in the United States and Puerto Rico.
Using Less, Buying Big
If the subject is painkillers, you might not need the 20-count dose on the prescription. Ask if you can fill only a few tablets’ worth at a time. Use good judgment on this one, obviously, but I’ve filled pain prescriptions in the past and used only one or two tabs. Infuriating.
You can cut the price of certain meds in half quite literally, by splitting the pills. For example, if you have a 10-mg drug prescription request a 20-mg tablet (the cost is often about the same) and then use a pill splitter to halve the dose. The gadget can be had for as little as $3 on Amazon.com, which means it’ll probably pay for itself the first time you use it.
Caution: Do not cut pills with a paring knife. The dose has to be exact, not almost half. Spring for the pill-splitter now or for an ambulance co-pay later. Your choice.
Again, splitting works only on certain medications.
Or what about bulk discounts? No, you won’t be asking for 50 pounds of Percodan — you’ll be using the power of group buying by getting your meds at Costco or Sam’s Club. You don’t need to be a member to use the pharmacies in those warehouse clubs.
Make ’em Beg
Pharmacies now bid for your business the way travel agencies and insurance companies do. In his new book, Living Large in Lean Times: 250+ Ways to Buy Smarter, Spend Smarter and Save Money, frugal dude Clark Howard suggests a service called BidRx.com. You register and post the drug you need, and independent pharmacies will instantly throw bids at you.
The site is free but you need a referral code to register. The author has his own code, clark, but stresses that he receives zero compensation. BidRx simply set it up after Howard’s mention of the site caused a leap in business.
Brick-and-mortar pharmacies often lure us with gift cards cards for new or transferred prescriptions. Any time you see such offers, clip them out and put them in your wallet. When your spouse gets bronchitis or your daughter breaks her arm during hockey practice, head for the pharmacy with the best signing bonus.
Obviously it’s important to tell the new place about any other meds being taken. One would hope the pharmacist would ask, but maybe s/he won’t. I’ve dropped off ‘scripts and been asked only if I were allergic to any medications, not whether I was on another pill that would clash with the new meds. That’s why some people don’t think it’s safe to hop from pharmacy to pharmacy.
If this makes you uncomfortable, then don’t do it. But back when my health insurance didn’t include discounted drugs, I filled and transferred prescriptions whenever I could get a gift card. It was a nice budget-booster, whether I used the cards for groceries or gewgaws.
Here’s my favorite example. Before a minor health procedure I needed to get two tablets of a tranquilizer (pre-surgery) and an antibiotic (post-procedure). Both were generic and therefore super-cheap, and they earned me a $10 from Target and a $20 gift card from Walgreens. I used part of the Walgreens card for a special offer: Buy four 12-packs of Diet Pepsi for $10 and then get a $10 rebate.
At that time I happened to have coupons for two free 12-packs, which I’d received after calling Pepsi to complain about the tabs snapping off some cans of soda. Thus I wound up paying just $5 for the soft drinks but still getting the $10 rebate.
And in fact, I didn’t even pay the $5. I had the gift card, remember?
Please refer to me by my Latin name, illegitimus frugalis. And yes, I know that diet soda isn’t good for me. But I didn’t care — I was on Valium!
Inside: Learn how much your 80k salary is hourly. Plus find tips to make more money and live the lifestyle you want.
Retirement can be a scary word to those who are not wealthy or afraid of having too much time on their hands.
People in the workforce often don’t know what they will do when their retirement comes around, but it doesn’t have to be that way after all.
For most retirees, there are many reasons they want to work after retirement. And that is 100% okay!
Low stress jobs after retirement make for great part-time careers while still providing enough flexibility to enjoy your personal life. Plus a little extra money is always helpful!
While there is no one “right” answer on which job for you, we compiled a list of 30 great options to consider. All of these jobs offer relatively low stress levels and plenty of opportunities for relaxation and enjoyment.
But before you jump on the first one that comes along, you want to consider which will work best and help ease your transition into the world of retirement.
When you retire, you want to find a job that is low stress and enjoyable. That’s why finding a good retirement job is so important!
The benefits of having a low stress job after retirement
After years of hard work, retirement is a time to relax and enjoy life.
However, for some retirees, working part-time or as a side job can provide additional earnings and a sense of purpose. The following jobs are perfect for seniors over 55, or those post-retirement. They have lower stress levels than the average job and offer many opportunities for growth.
Many retirees below starting a second career after retirement would be difficult and are looking for a job that has fewer strings attached. This may be due to the fact that many retirees feel they have reached the pinnacle of their careers and want more time freedom.
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Fortunately, there are many available jobs with increasing demand and most even have lower stress levels than average.
Retirement is a good time to consider additional earnings. This can provide a stream of money for people who want to enjoy life longer and need an additional income. In addition, working can help retirees stay mentally and physically healthy.
Jobs to Do after Retirement
The list is composed of jobs that are perfect for seniors over 55, or even post-retirement. They have lower stress levels than the average job and offer many opportunities for growth.
Some retirees prefer to work part time or as a side job; others want to find a full-time position that will keep them busy and engaged in their community. Whatever your preference, know that there are plenty of great options out there!
Retiring means starting a new life, so it is important to consider this change as the beginning of a new life and not the end of an old one.
So go ahead and take the plunge into retirement! It’s a new beginning full of endless possibilities.
There are plenty of good jobs for retirees!
What are fun jobs after retirement?
There are many fun retirement jobs that pay a small fortune! And what your personality prefers!
Some people choose to continue working in the same field, but in a more relaxed or part-time capacity. Other people choose to use their retirement to try something new and exciting, such as starting their own business, traveling, or taking up a new hobby.
What can I do after retirement to make money?
Now that you’re retired, you may be looking for ways to make some extra money. Luckily, there are plenty of options to make money in retirement available to you!
You could start a business, become a consultant, or tutor students. In addition, you could also look into working from home opportunities or start a blog.
Maybe you want one of the best part time jobs in retirement.
Whatever you choose, make sure you do your research and find something you enjoy so you don’t get bored!
Tips to Making Money in Retirement
The best fun jobs after retirement include working at a theme park, house sitting permanently on a beach or something crazy you never dreamed yourself to do!
One great way to make some money is by selling your skills and experience. For example, interior decorating is a low-stress field that often requires past experience. Alternatively, you could become a real estate agent. Both of these opportunities allow you to use the skills and knowledge you’ve acquired over the years.
Another great option for retirees is to take advantage of the growing gig economy. There are a host of jobs available through online platforms like Uber or Lyft that don’t require a lot of physical activity or travel time. Plus, they typically offer higher pay rates than traditional employment opportunities.
If you’re looking for something a little more relaxing, consider joining one of the many survey sites out there. These sites reward you with a small amount of money for each survey you complete. It may not be much, but it can add up over time!
Finally, if you’re looking for an easy way to make some money, consider something easy like greeting people. This is a great option because it’s so easy and doesn’t require any special skills or knowledge.
Which job is stress free and high paying?
There is no such job that is stress free and high paying. All jobs have their own unique stressors and rewards. It is important to find a job that is rewarding to you and that you find manageable levels of stress.
There are many jobs that are considered “stress free” after retirement.
For example, many seniors are now looking into jobs such as being a consultant or working in customer service. These positions offer a more relaxed work schedule and usually don’t require extensive training.
In addition, the amount of money one earns from a job is directly related to how much work one put into it. If you’re willing to put in the extra effort, you can make significantly more money than those who don’t.
Really Focused on less stress?
Many seniors are also looking for jobs that don’t involve stress or concern. Proofreading is one such position that meets these qualifications. The job requires native-level English proficiency and an excellent understanding of grammar to succeed. In order to be successful in this field, you have to proofread documents that contain no grammatical errors, punctuation mistakes, or syntactic flubs.
You need to find a job that feeds your soul and doesn’t seem like work.
Plus it is fun to tell others what do you do for a living.
Best low stress jobs after retirement
Some people want to use their retirement as a vehicle to start their side hustle and be more relaxed than they were during work hours. This is a great way to spend your retirement! Most cool retirement jobs require little-to-no experience, but some do.
At the end of the day, you must decide if you want to work for yourself and start your own company with a higher earning potential. Or work for someone else with less strings attached and lower pay.
In many cases, you might be stuck working because you didn’t save for retirement, so here are a few jobs that are perfect for seniors over 55 years old, or even after retirement:
1. Freelance writing
Freelance writing can be a good source of income when one has the skills and experience to do so. The best part? You get to set your own hours and take on as much or as little work as you want!
This may not sound like a low-stress job at first, but it’s actually an excellent low-stress job! Being your own boss offers incredible benefits. Best of all, you can do it in a completely stress-free environment by deciding in advance exactly how many hours you want to work.
In fact, my friend over at More Time to Travel does freelance writing for Forbes.
Freelance writing is a great way to make money from home. Be sure to have a strong portfolio and excellent writing skills to land quality freelance writing jobs. Here is a great freelance writing course.
2. Tour guide
This is perfect for someone who loves people and to discuss their worldly knowledge.
A tour guide is someone who accompanies tourists and provides information about the areas they are visiting. They are usually seniors because no special certifications or degrees are required. However, it can be a fun job for anyone who loves meeting people and has a lot of knowledge about their area. Some tour guide jobs offer tips and the opportunity to travel.
A good tour guide will have a deep knowledge of the areas they are touring and will be able to answer any questions the tourists may have. Plus cash tips are always a perk!
3. House Sitter
You can house sit for someone you know, or use a site like Mind My House to find paying gigs. Rates vary depending on the city, but typically you can expect to earn $25-50/day as a house sitter.
It allows you to live in new places without having to commit to long-term leases, and it gives you an opportunity to meet new people and explore new neighborhoods. Plus, it’s a great way to make some extra money on the side as well as lowering your monthly expenses!
If this is something you are seriously considering, then check out this book to learn how to housesit from an expert.
4. Librarian
Librarians are responsible for organizing and managing library collections, helping patrons find information and materials, and providing instruction on how to use library resources. They typically work regular hours in a library setting, and their work is relatively active.
They also need excellent research skills and the ability to stay up-to-date on new technologies.
However, job prospects are good to work in this quiet environment.
5. Customer Service Representative
Jobs in customer service usually don’t require a lot of experience or special training, so they can be a great way to ease into retirement. And since most customer service positions are in the service industry, you’ll likely get to meet new people and help them solve problems every day.
They may work in call centers, retail stores, banks, or insurance companies. In some cases, they may also work remotely from their homes. Customer service reps typically need strong communication and problem-solving skills, as well as the ability to stay calm under pressure.
6. Craft seller
Many people don’t have time for their crafts like they wanted when working full-time and raising kids. So, retirement is a perfect time to become an artisans who make and sell their own products.
You can set your own hours, work from home and sell whatever you like. There are many online marketplaces that cater to craft sellers, so you can find a platform that fits your style and interests. In addition, you can attend craft fairs and other events to sell their work in person.
Make sure to price your items competitively and take the time to create an attractive product listing. Plus ship quickly and provide excellent customer service to keep buyers coming back for more!
7. Crossing Guard
It only requires a few hours of work per day, and the pay is decent around $15 an hour.
The job does not require any special skills or training, so it is an ideal way to spend your golden years. Plus you can keep youthful by staying around all of the school-aged children.
8. Blogging
This is a form of expression for most retirees or those thinking about retiring.
It can be a low stress job after retirement, as you can do it from the comfort of your own home and set your own schedule. You don’t need any special qualifications or training to start blogging – all you need is a computer, an internet connection, and something to write about.
Blogging is a great way to create fresh, new content on a regular basis for your website. In fact, my friend over at Tuppennys Fireplace uses blogging to drive extra money to their retirement budget each month.
You can sell advertising space on your blog, use affiliate marketing to promote products and services, or even launch your own product or service. The sky’s the limit when it comes to making money from blogging – so if you have something interesting to say, go for it!
9. Elder Care Services
Services can range from in-home help to full-time nursing care, and each has its own benefits and drawbacks.
While this may seem odd as a low stress job in retirement, it is a good reminder that you are still youthful in others’ eyes.
These may be simple jobs such as picking up groceries, light cleaning, cooking meals, or companionship during the day. Given the cost of nursing homes and certified nursing assistance, this is an affordable option for families who want extra eyes on their loved ones.
10. Private Island Caretaker
Okay, this is the one I want!
If you are reading this and need a caretaker, I am happy to be the right person for your estate.
A lot of caretaker jobs are in private areas, such as private islands, ski resorts, large estates, and other remote or private areas. This is often because employers need someone they can trust to be on-site full time and take care of things.1) Private Island Caretaker
Caretaker jobs are a great way for retirees to stay engaged and active in their golden years. They can provide a sense of purpose and routine, as well as an opportunity to explore new places and meet new people.
11. Docent or Usher
One low-stress job that retirees can consider is becoming an usher at their local theater or sporting area. This job does not require much training and typically pays minimum wage, but it can be a great way to meet people and see new shows and watch sports.
A docent is someone who has expert knowledge about a certain subject and can teach people about it through guided tours and lectures. They are often found in museums, art galleries, and other places where people can learn about the arts.
For many retirees, these are the perfect jobs to get paid for enjoying their hobbies and events they didn’t have time to see when working full-time.
12. Work at Disney
Jobs at Disney parks can be both fun and challenging, with plenty of opportunities to make new friends and help guests have a great time. You’ll need to be able to work hard and stay cheerful under pressure, but the rewards are many.
If you’re interested in working at one of the happiest places on earth, visit the Walt Disney Company website to learn more about current openings and how to apply.
Perfect for the retiree to stay youthful!
13. Invest in Various Intiatvies through Crowdfunding
When it comes to investments, there are many options to choose from that can fit any personality type.
Crowdfunding was created to help more people invest in various businesses by pooling resources together. This makes it more affordable and less risky for everyone involved.
For many retirees, this is a great way to impact start-up businesses and maybe even have a great ROI on their money.
14. Tutoring
Tutoring can help students learn in a one-on-one environment, and help them to focus on the material. Tutoring can also help build a student’s confidence, and help them to ask questions they may be too embarrassed to ask in a classroom setting.
It’s a great way to help students who are struggling and give them the support they need to succeed. You also get the satisfaction of knowing that you’re helping young people achieve their goals. Tutoring can be done in person or online, so it’s a flexible job that you can fit around your schedule.
In today’s society, there are plenty of opportunities to help students achieve faster with tutoring. Most tutors are paid at least $30 an hour.
15. Virtual assistant
There are many low stress jobs that can be found online and Virtual Assistants are one of those jobs.
A virtual assistant is a professional who provides administrative, technical, or creative assistance to clients from a remote location. Often, virtual assistants work for multiple clients simultaneously, providing a wide range of services including social media management, email management, bookkeeping, and more.
They provide a service to their client through the internet and This is a great way for someone with retirement to start making money fast because most VAs make between $35 and $50 an hour.
Take free training for becoming a virtual assistant!
16. Personal shopper
A personal shopper may work in a store, helping customers find what they need, or they may work remotely for a customer who gives them a list of items to purchase. Either way, personal shoppers usually charge by the hour.
It also pays well, especially if you work for a high-end retailer. And since you’re working with customers one-on-one, this is a great job for someone who enjoys helping others. Perfect for a retiree to get out and about.
17. Personal organizer
They may work with individuals or groups, in both business and personal settings. Personal organizers usually have excellent time management skills, as well as a thorough understanding of the principles of organization.
This type of position is great to keep you moving as well as help others.
18. Animal shelter worker
They may feed, groom, and exercise the animals, as well as administer medication and vaccinations. They also clean cages and kennels, and may handle adoptions. The work can be physically demanding, but it is also very rewarding to help homeless animals find new homes.
For someone who loves animals, this is a perfect opportunity to make money and help neglected animals.
19. Book store assistant
The work is relatively easy, and there are usually no major deadlines to worry about. Plus, bookstores are typically quiet and calming environments, which can be a nice break from the hustle and bustle of everyday life.
If you’re looking for a relaxed job after retirement, this could be it!
20. Photographer
Some people take up photography as a hobby, some as an art form, and some as a profession. The beauty of photography is that it can be whatever you want it to be. There are so many different types of photography, based on your taste and choice you can choose which area to focus on first.
In addition, photography is a great low stress job after retirement!
It can be done freelance to supplement your income or on a full-time basis. There are many opportunities for photographers, and the work is generally enjoyable.
21. Life coach
After retirement, there are many low stress jobs that a person can take on. One such option is becoming a life coach.
This job involves helping people work through their problems and achieve their goals.
By becoming a mentor for the next generation, you are able to have a lasting impact and legacy. This allows you to share your wisdom and knowledge while also helping someone else in their career path.
As a life coach, it’s important to be a good listener and have strong communication skills. Additionally, new graduates might be able to offer you fresh perspectives on life that you may not have considered before. It’s easy to become a mentor to coworkers or people in your field; all it takes is some time and effort.
22. Consultant
Consulting is a broad term used to describe an area of work. It encompasses a wide range of activities and can be done by anyone with the appropriate skills and experience.
Many retirees choose to focus on the areas they enjoyed at work and avoid stressful parts, becoming consultants in those fields.
Often, retirees are a great resource for companies looking for short-term or project-based work. If you let your network know that you are available for consulting opportunities, they may be more likely to reach out to you when they have a need. Additionally, the average consultant salary is between $50 and $150 per hour, depending on experience level.
23. Walmart Greeter
Greeters welcome customers, help them find what they need, and provide general information about the store. They may also monitor security cameras and alarms in the store. The position requires little training, and most Walmart greeters are given on-the-job training.
However, greeters must be able to handle stress well, as they are often the first point of contact for customers who are angry or upset. The position also requires being able to work weekends and holidays.
24. Dog walker
Dog walking is a great job for people who love dogs and want to make a difference in the lives of animals. It is also perfect for retirees who want to stay busy and have flexible hours. The work can be enjoyable and rewarding, and it is a low-stress profession.
Dog walkers are typically paid by how many dogs they are watching at any given time, rather than by the hour. There are specific websites where you can find work as a dog walker like Rover and the average pay is $14 an hour.
25. Pet sitter
A pet sitter is a professional who is hired to take care of pets while their owners are away. Pet sitters typically visit the home of the pet owner to feed, water, and exercise the pet. They may also provide additional services such as grooming and medication administration.
For example, many retirees enjoy pet sitting because it allows them to form close relationships with animals while also providing a service to their community.
Find plenty of pet sitting gigs on Rover.
26. Camp Host
After retirement, many people are looking for a low stress job that will allow them to travel, get outside, and see new places. Campground jobs are perfect for this because you can work during the day and explore at night.
Camp hosts are people who work at a campground to provide information and assistance to guests.
Campsites allow for some flexibility in terms of location – you may be able to choose the state or national park you’d like to work in, as well as the dates of your stay. Additionally, many camp hosts have a good deal of control over their schedules, which can be a perk.
They usually work for minimum wage, but can often receive tips from guests.
27. Adjunct Professor
Many retirees take on part-time work as adjunct professors. The position offers a high level of flexibility, good pay, and opportunities for professional development. In addition, adjunct professors often have the opportunity to work with students from diverse backgrounds and help them grow academically.
This can be a great way to share your knowledge and expertise with the next generation of students. Contact your local college and see if they have any openings. Adjunct professors typically earn around $3,000 per class taught.
28. Author
Becoming an author can be a great way to enjoy your retirement years while still earning some extra money on the side. The job doesn’t involve a lot of pressure, and you get to set your own deadlines.
There are a few different ways to get your book published. One option is to work with an agent. However, this may not always be possible, especially if you are writing a non-fiction book. Another option is to self-publish your book. This can be a great way to get your book out there without having to go through a publishing house.
You will finally have time to tell your story from your perspective.
29. Focus group participant
Focus groups are gatherings of people who are brought together to discuss a certain topic. The participants can range from 6 to 12 people, and they are typically held in local hotels or conference centers. During the focus group, the participants will discuss upcoming products, services, trends, and issues.
Focus group participants are typically reimbursed for their time and participation in the discussion. This can be done in a variety of ways but is usually either through cash or gift cards.
30. Furniture flipper
Furniture flipping is a great business for those who want to make some extra money with little stress and no formal education needed. You can do it from the comfort of your own home, as long as you have the necessary tools and space. With a bit of hard work, you could be on your way to making some serious cash.
Furniture flippers are people who buy furniture at a low price and resell it for a profit. They usually start as furniture buyers who love hunting for deals at garage sales or estate auctions. This is a low-stress job that’s also profitable.
For many retirees, it may have been a hobby turned profitable.
31. Delivery driver
Delivery driver is a great job for retirees because it keeps them active and socially engaged. It can be difficult to sit at home all day, so this job is perfect for those who want to be out in the world meeting new people.
Delivering food is a great way to make some extra money in your spare time. It’s a low-stress job because you’re only out of the car for deliveries, and many companies offer drivers up to $20 per hour.
I love Doordash because their sign-up process is so easy–you can be up and running in minutes!
32. Rideshare driver
Ridesharing is a great way for seniors to make some extra money on the side while still having plenty of time for themselves. It’s very flexible, so they can work as much or as little as they want, and it doesn’t require them to take too much time out of their day.
Both Uber and Lyft require relatively little startup capital, and retirees can often make money driving for these companies.
Just make sure you have the proper auto insurance for ridesharing.
33. Taxi Driver
Taxis are in high demand in most cities, so there is always work to be found. In addition, the hours are flexible, so drivers can work as much or as little as they want.
And since driving a taxi is not very demanding physically, it is a good job for those who are no longer able to do strenuous work.
Many people who move to a foreign country find being a taxi driver a highly rewarding and lucrative way to make money.
34. School Bus Driver
There is a severe shortage of school bus drivers across the country.
This may not be a low stress job to many, but you can have a long lasting impact on the students. Right now, our students need positive influences in their lives.
What does the job entail? You must have a valid commercial driver’s license (or find someone who will provide the training) and be clear from moving violations in the last 3 years. In addition, you must pass a background check to work with students.
Many districts are desperate for school bus drivers and providing a signing bonus.
35. Chat moderator
Chat moderators are responsible for monitoring chat rooms and helping to ensure that the conversation remains on topic and respectful. They also work to resolve any disputes that may arise.
They work in a variety of settings, from social media to online gaming platforms.
But for the most part, the job is relatively low-stress, thanks to the ability to take breaks and work flexible hours. Chat moderators also often have the opportunity to learn new technologies and hone their customer service skills.
36. Babysitter & Nanny
Babysitting and nannying is a great way to make some extra money in your spare time. It’s perfect for people who love kids and have a few hours in the afternoon after school lets out. You can help out your neighbors by babysitting their kids or finding families near you who are looking for a nanny.
They offer a lot of flexibility, they’re relatively low stress, and they often come with a set schedule so you know what you’re doing each week. Plus, you can usually work from home, which is a big perk if you want to stay active in your golden years.
The average babysitter in the United States earns a bit less than $15 per hour, but some earn at least $20 an hour. It is easy to find work.
37. Event Staff
Event planning can be a very stressful job, but it can also be a very rewarding one. After retirement, many people look for a flexible job that they can do mostly on the weekends and in the evening. Event staff is a great option for those people.
They may work in a variety of industries, including entertainment, hospitality, marketing or nonprofit organizations.
Event staff often have to wear many hats during an event, handling duties such as coordinating with vendors, setting up event spaces, managing attendees, and serving as liaisons between organizers and other staffers.
This may not be the situation for everyone, but great for someone who likes to be in the action.
38. Research Assistant
After retirement, many people feel lost and without a sense of purpose. A research assistant helps others find information and discover problems to solve. They work with teams or individuals to locate the best information possible and help them use it effectively.
Research assistants are in high demand because they help other people find information and solve problems. They work on a variety of tasks, such as conducting research, organizing data, and writing reports. Their skills are in high demand by companies, governments, and individuals who need help conducting research.
The job is relatively low stress and pays between $18 and $22 per hour. It requires patience, communication skills, and a range of computer skills.
39. Substitute Teacher
A substitute teacher is someone who fills in for a permanent teacher when they are absent. This can be for a variety of reasons, such as paid vacation, maternity leave, or sick leave. It is a great option for retirees because it is one of the most respected and low-stress jobs after retirement.
This is one of the best retirement jobs because you can substitute teach any position within a school.
Substitute teaching can be extremely rewarding, as you are able to help students in need and fill in for teachers who are absent. You may also have the opportunity to work with different age groups and learn new things.
It is now possible to earn around $20 per hour on average as a substitute teacher. In order to become a substitute teacher, you need to have a bachelor’s degree in any academic discipline from an accredited college or university. With the right qualifications, you can enjoy a great deal of flexibility and earning potential while working with children.
40. Airbnb Host
You can earn up to $1,000 per month by listing your home on the site.
It’s also a low-stress job since you don’t have to worry about meeting deadlines or dealing with customers. And, since you’re working from home, you can easily take care of any last-minute changes or emergencies.
If you’re interested in becoming an Airbnb host, check out this guide on how to get started.
41. Proofreading
In this career, you would be reading documents or manuscripts and looking for mistakes in grammar, spelling, punctuation, and syntax. You would then mark the errors with a correction symbol and provide a note to the author about the mistake. Proofreading can be done independently or as part of a team.
It is also important to be able to meet deadlines because many publishers require that manuscripts be returned within a certain timeframe.
42. Park Ranger
They enforce park rules, help visitors enjoy their visit, and provide information about the areas they patrol. Park rangers may also conduct educational programs, research projects, and archaeological surveys.
The growing popularity of outdoor recreational activities will lead to more demand for these workers.
Rangers must be able to hike long distances in difficult terrain, often carrying heavy equipment. They also may need to work extended hours, including weekends and holidays, during peak visitor seasons.
43. Voiceover artist
Voiceover artists are people who provide the voice for a character or commercial. They must be able to understand and interpret the script, and then deliver the lines in a way that sounds natural and believable.
Voiceover artists are in high demand for their unique ability to provide a voice for various multimedia productions that requires no formal training. This work can be done from anywhere with a good internet connection, making it an ideal job for retirees or those with flexible hours.
44. Real Estate Agent
The work is often exciting, and you can set your own hours. However, it can also be demanding and require long hours during busy times.
They must be knowledgeable about the current market conditions and have strong negotiating skills. In order to succeed in this career, you’ll need to be able to work well independently and be comfortable networking with potential clients.
You’ll also need to develop a strong marketing strategy to attract new clients.
45. Sports Coach
They may also instruct athletes on the rules and regulations of a sport. Sports coaches typically have a college degree in physical education, kinesiology, or a related field.
Coaches often work long hours during the season and must be able to handle criticism from players and parents. However, for those who love sports and enjoy working with people, sports coaching can be an enjoyable and low-stress job after retirement.
46. Artist
Being an artist is a great job to have after retirement because it doesn’t require a lot of stress and you’re free to create whatever you like. The only requirement for the job is that you have some artistic ability, which most people do.
Working as an artist can be perfect for people who are looking to have more flexibility with their hours and want to work on the go. There are many different types of artist jobs that one can find, and the best way to find out what’s available is to do some research online or talk to other artists in your area.
47. Translator
Translation is a great option for those who want to use their second or third language skills in a professional setting.
Many retirees find themselves with time on their hands after retirement and may enjoy doing something that they are good at and can be successful at. Speaking another language can lead to many opportunities, including working as a translator or in a translation services company, or becoming a consultant in foreign affairs.
Translators must be able to understand the source material fully and then accurately convert it into the target language.
48. Interior decorator
Interior decorators are in high demand because they have an eye for design and can help people make their homes look beautiful. This is a low-stress career choice that allows retirees to work anywhere, which is why it is becoming increasingly popular.
Interior decorators are often retirees who have a wealth of knowledge and experience in interior design. They must build up a portfolio of their clients’ homes before they can become an interior designer and be able to charge more for their services.
Interior decorating is a creative line of work that can earn great money, and it’s often a side hustle for people who want to make more money while still having free time. Satisfying customers is another perk of this career!
49. Handyman Services
If you’re looking for a way to make some money after retirement, and enjoy doing hands-on home repair projects, consider working as a handyman. Handyman work can be done on your own schedule, so it’s a great option if you want more flexibility in your life.
Handyman services are becoming more popular because they allow you to set your own rates and work on your own schedule.
This is beneficial for both the worker and the customer, as it allows the worker to charge a fair price for their services and customers can get work done on their time. Additionally, handymen have a variety of skills and can fix many problems around the home, which makes them a valuable asset.
50. Professional cuddler
Cuddling has become a popular service in recent years. Companies like Cuddle Comfort offer professional cuddlers that will come to your house and provide you with a compassionate, understanding listening ear as well as some quality cuddle time.
Some people make a living from professional cuddling. These cuddlers can earn approximately $40 per hour for just being themselves and giving bear hugs. This is a growing industry with many people finding comfort and satisfaction in human touch.
51. Mediator
To become a mediator, you need to have either legal training or a bachelor’s degree in mediation. This gives you the skills needed to mediate and resolve disputes between two or more parties. Mediators usually have a low-stress job because of their flexibility and freedom to work from anywhere.
Mediators come from a variety of professional backgrounds, but the majority have some form of legal background. More than half of certified mediators work as general mediators, charging $100 to $250 per hour.
52. Data entry specialist
A data entry specialist is somebody who enters data into a computer system. This can be a very low stress job, especially if you have basic computer skills and typing speed and accuracy. The work is relatively easy to find and usually does not require any specific qualifications.
Data entry specialists are paid a modest wage for their work, but the pay is reliable and predictable. The job is also relatively easy to find, making it a great option for people who are looking for additional work during retirement or in their spare time.
Being able to type quickly and accurately in order to be successful in this role.
53. Waiter/ Waitress
If you have a gift of gab and service, then this might be the perfect industry for you. Especially as a bar back!
The work hours are flexible, the tips are usually good, and you get to meet new people all the time. Plus this type of job is fun, as it’s not high-stress and it allows someone who just retired or wants a job with flexible hours to stay active socially while they make money.
If you’re looking for an alternative after retirement, waiter or waitress work is definitely a good option.
54. Cook
Many families are looking for healthy options for dinner. What is better than a home-cooked meal?
While working as a cook for a restaurant, you may often work long hours in a hot, noisy kitchen. However, cooking for local families on a small scale may be the perfect scenario.
55. Become a Transcriber
Transcription is a great way to make some money after retirement. You can typically make around $18-$25/hour, depending on your skill level and experience.
The work is relatively low stress, so it’s a great option for those looking for a relaxing way to make some extra income.
56. Retirement planner
Some retirement planners offer training and certification for their employees. The employer might pay for your training and certificate if they feel confident enough in hiring you as an employee after seeing how well you do these tasks.
This may not be the ideal situation for many, but it pays well.
57. Flip Items
Flipping items for profit is a great way to make some extra cash. You can find deals at garage sales and online, and then turn around and sell them for more.
Be sure to look out for scams, however, as there are many people who try to take advantage of those looking to flip items.
To learn how to flip for a side hustle, check out Flea Market Flippers.
58. Professional Volunteer
Charity work is a great way to give back to the community and help those in need. There are many charities that need help, and by donating your time or money, you can make a big difference in someone’s life.
It can also be a great way to ease into retirement. Many charities are always in need of volunteers, and you can often find opportunities that fit your schedule. You may also be able to find paid positions with certain charities.
You will have the opportunity to help others and make a real difference in their lives. You may also find new friendships and learn new skills.
It keeps you social and busy, and it lets you help out in your community. Plus, many organizations offer volunteer opportunities tailored to retirees’ skills and interests.
In fact, many volunteer opportunities turn into paid jobs.
How to find a job that is low stress and matches your skills?
Which best jobs for retirees do you want?
When you’re looking for a job that is low stress and matches your skills, it’s important to consider a variety of factors. For example, employers want employees who can work independently and are well-organized. They also want employees who can communicate clearly. You should have a basic understanding of the job duties as well.
If you have specific skills, you may not need these things as much.
However, employers still want employees who can complete tasks without any help from others. There are a variety of ways to find out about such jobs, including using search engines or social media sites like Facebook and LinkedIn.
Also, whoever says you have to wait for retirement?? Find low-stress jobs that pay well without a degree now.
It’s also important to be aware of the pay structure. Often, employers want employees who will be able to work for them on a long-term basis. The pay structure is often predictable and employers know exactly how much work there will be available for each project. This makes it easier for both parties involved.
One way to find a job that is low stress and matches your skills is by using online platforms like Upwork, Freelancer, and Fiverr. These platforms offer many data entry jobs that are perfect for those looking for an easy way to make some money after retirement. In order to take advantage of these jobs, you’ll have to learn how to type fast.
Know someone else that needs this, too? Then, please share!!
Save more, spend smarter, and make your money go further
Labor Day is a time to recognize the hard work we all put in year-round. Why not get away for the weekend? Here are some helpful tips to save money while you relax, plus a look at Labor Day’s origins and some fun facts.
Save more, spend smarter, and make your money go further
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Known as the Home of the Blues, Memphis is a music lover’s paradise, but there are plenty of other reasons to visit this incredible city. You’ll be able to explore its deep history, both in terms of music and the heart of the Civil Rights Movement of the mid-20th century. Plus, there are museums, parks, and more waiting.
Here, you’ll learn more about the best things to do in Memphis, Tennessee, as well as discover ideal times of year to visit. In addition, you’ll get a good idea of the average trip costs so you can budget accordingly.
Best Times to Go to Memphis
Memphis is at its most comfortable during the spring and fall months, typically from late April through the beginning of June and again from late August to the middle of October. For instance, in April, you’ll find temperatures in the 70s during the day, and in October, you’ll experience similarly warm temperatures.
For music lovers, also consider visiting for the annual Beale Street Music Festival, which takes place each May. Some of music’s biggest names perform at this three-day event. 2022’s headliners included Megan Thee Stallion and Van Morrisson, so you know there’s something for everyone.
Recommended: Where to Find Book Now, Pay Later Travel
Bad Times to Go to Memphis
Summer and winter will be less crowded in Memphis, but the weather is less than ideal for many. Summer travel in Memphis can be hot and humid. The average high temperature in July is in the 80s to low 90s Fahrenheit, making that one of the worst times to visit Memphis. Late fall and early winter tend to be cloudy in Memphis, but there’s not a high chance of snow. Rainfall tends to peak in early December and mid-April.
Average Cost of a Memphis Vacation
Before you start making a list of the top things to do in Memphis, get an idea of how much a trip there will cost you once you arrive. According to Budget Your Trip, an individual spends an average of $34 on dining every day. Local transportation is actually more expensive at $47 per day, so you might want to look into renting a car to get around.
Hotels, however, can be reasonably priced at around $134 per night in Memphis, and perhaps even less if you try some hacks to save money on hotels.
Here’s how the costs break down if you plan to spend a week in the city; there will be some incidentals as well:
• One Person Total: $1,172
• Two Person Total: $2,343
One note: You may want to also budget for travel insurance in case the unexpected were to happen, or look into what kind of credit card travel insurance your issuer provides.
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10 Fun Must-Dos in Memphis
As you plan a trip to this Tennessee city, you’ll likely want to map out an itinerary, even if just loosely, to make sure you hit the highlights. Here, culled from top online reviews and seasoned travelers, is advice on the 10 best things to do in Memphis.
1. Pay Homage to the King
We would be remiss to start off a list of best things to do in Memphis without mentioning Graceland, the home of iconic singer Elvis Presley. Open for tours on a daily basis, your ticket gives you access to 120 acres. Explore Elvis’s mansion (including the Jungle Room), his most iconic outfits, and the exterior grounds.
There are also on-site museums dedicated to the King of Rock ‘n Roll’s career and cars. If you really want to make the most out of your time at Graceland, you can also stay at a hotel on the grounds. If staying in the city, consider a rental car or shuttle for the 20-minute drive. Ticket prices range from $28 to $215 for the Ultimate VIP Tour. (If you’re buying the top of the line tickets, you may want to swipe with plastic when paying to earn credit card rewards.) graceland.com/
2. Visit the National Civil Rights Museum
Memphis is also known for another King — civil rights legend Dr. Martin Luther King, Jr., was assassinated at the city’s Lorraine Motel in 1968. Now the location has been transformed into the National Civil Rights Museum with interactive exhibits, films, and oral histories cataloging centuries of the quest for freedom and equality in America.
Exhibit material starts with the struggle against slavery in the early 1600s and moves forward through today’s continuing Civil Rights Movement. Walk through a recreation of the Montgomery Bus Boycotts of the 1950s, the Memphis Sanitation Strikes, and more. The museum is closed on Tuesdays so plan your visit in advance. civilrightsmuseum.org/
3. Stroll Down Beale Street
This nearly two-mile stretch of road in downtown Memphis is a celebration of all things music. Considered the official Home of the Blues, you’ll find clubs and restaurants to satisfy any music lover’s thirst for live entertainment.
There’s always something going on at Beale Street. Just show up to explore on your own, or download the official app to create a plan. Note that a security checkpoint goes up on Friday and Saturday nights. Those under 21 must be accompanied by an adult after 9 p.m., and the street is strictly 21+ after 11 p.m. In other words, weekend nights on Beale Street are on the list for fun things to do in Memphis for adults but not kids. bealestreet.com/
4. March with the Peabody Ducks
One of the best things to do in Memphis with kids is to head to the downtown Peabody Hotel for the daily Duck March. Occurring at 11 a.m. and 5 p.m. each day, this decades-long tradition involves five North American mallards who live at the hotel. Each group of ducks lives at the hotel for three months before returning to farm life outside the city.
They’re brought down from their Royal Duck Palace on the rooftop to swim in the lobby fountain. Participants must be at least five years old, and the hotel recommends arriving 30 minutes early to get a seat. Seeing the Peabody Ducks is definitely an affordable family travel option. peabodymemphis.com/peabody-ducks
5. Tour the Belz Museum
What started out as a private art collection has turned into five permanent exhibits displaying Asian and Judaic art, as well as the Holocaust Memorial Gallery. The Belz Museum also brings in special exhibits twice a year.
One of the most comprehensive collections at the museum is the Chinese art exhibit, which is known as the largest such collection in the southeast United States. You’ll see many pieces from the Qing dynasty, which lasted from the mid-1600s through the early 1900s. The Belz Museum is closed Monday and Tuesday.
6. Take in Some Thrilling Basketball
Love basketball? Check out an NBA game at FedExForum, which is home to the Memphis Grizzlies (nba.com/grizzlies/tickets). The season runs from October to April. The stadium also hosts University of Memphis men’s basketball, which is a NCAA Division I. You can also check out the Division I women’s team on campus at the Elma Roane Fieldhouse.
7. Marvel at the Mighty Lights
Put this on your list of free things to do in Memphis: the nightly Mighty Lights on the downtown waterfront. Every evening, the city’s two iconic bridges (the Hernando de Soto and Harahan) are lit up in a huge display of LED lights. You’ll see the show at the hourly and 30-minute marks starting at sundown, followed by a grand final at 10:30 p.m.
Scout out a spot to watch along the Mississippi riverfront parks, or scope out an aerial view in the city. The Fourth Bluff and Mud Island are both good options to check out. mightylights.com/
8. Snap Selfies at Mud Island River Park
Tap into your inner river rat at Mud Island River Park. It takes just a few minutes to walk to it from downtown Memphis, and you’ll enjoy lounging on this Mississippi River island. It’s also a perfect spot for some social media selfies thanks to the huge Memphis sign, which spans 50 feet.
This 52-acre park also features a scale model of the Mississippi River to give you a sense of the true breadth of the world’s third largest river basin. Traveling with pets? Mud Island is also a great location for a long walk with your dog. memphisparks.com/park/mud-island-park/
9. Drop into the Stax Museum of American Soul Music
Not only is Memphis home to the blues and rock ‘n roll, it has also played a pivotal role in America’s soul music scene. The Stax Museum is the original home of the legendary Stax recording studio, which was the recording label of iconic artists like Otis Redding, Isaac Hayes, Shirley Brown, and many others.
Explore the rich history of the studio through exhibits and artifacts. You’ll even get the chance to see Isaac Hayes’ custom Cadillac Eldorado, decked out in 24-karat gold trim with a mini-fridge and television on the inside. The Stax Museum is closed on Mondays; tickets are $13 for adults and $10 for kids 9-12; children 8 and under are free. staxmuseum.com/
10. Wander Through Meeman-Shelby Forest
Needa dose of nature? Memphis has that, too! Head 20 minutes outside of downtown Memphis for the enchanting Meeman-Shelby Forest. You can explore 13,000 acres of wilderness that is home to a diverse range of ecosystems. Discover sandy beaches and swamplands (home to the Bald Cypress tree).
There are plenty of recreational activities to enjoy, including trails, a nature center, and a disc golf course. tnstateparks.com/parks/meeman-shelby
The Takeaway
From a huge music scene to pivotal moments in history, from parks to nightly light shows, Memphis has attractions worth exploring for all ages. It doesn’t matter if you have a few days or a full week — it’s easy to fill your schedule with tons of fun things to do in Memphis on any budget.
FAQ
Is Beale Street worth a visit?
Beale Street is considered a must-visit if you’re visiting Memphis, whether it’s your first time or you’ve vacationed there before. Home of blues music, you’ll get a truly unique flavor of entertainment any time of day or night.
What is the best month to visit Memphis?
If you have a completely open calendar and are ready to head to Memphis at the perfect time of year, consider going either in mid-spring or mid-fall. You’ll miss the heat of summer and clouds of winter, so you can explore the top things to do in Memphis, Tennessee, in the best possible weather.
What is Memphis most popular for?
Memphis is best known for its music scene, both historically and today. It’s considered the home of the blues as well as the hometown of rock ‘n roll (Elvis Presley’s Graceland is there), so you’re sure to find something to enjoy.
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Equal parts sophisticated minimalism and earthy mountainside respite, interior designers share how to include this new design trend in your home, even if there are no mountains in sight.
From cottage chic and coastal grandmother to rustic farmhouse, trends that center homes around earthy tones, reclaimed pieces, and natural elements have existed for years. Mountain modern style is the newest iteration to join the pack, only it draws inspiration from rugged peaks, rocky slopes, and windblown prairies. Here, interior designers define and explore this minimalist-meets-rustic aesthetic—and share how to make it work in your own home, whether you live in Colorado or New York City.
Related: Clustercore Is Trending—and It's the Perfect Decorating Style for Collectors
What Is Mountain Modern Style?
This trend’s name says it all: Mountain modern style translates the tones and clean lines found on mountains, resulting in a minimalist but warm interior punctuated by organic textures and unique art. “It is all about bringing the outdoors in through décor choices like nature-inspired color palettes, fabrics that are both aesthetically inspired by the outdoors and can also take a beating, animal-inspired artwork, and a mix of vintage and found items,” says Max Humphrey, an interior designer based in Portland, Ore.
Incorporating simple modern finishes is a tenet of mountain modern style; they create a clean and light counterbalance to purposefully unrefined details. In this sense, it steps away from the traditional “alpine” design that often feels dark, heavy, and dated. “The appeal of mountain modern design are the clean-cut lines, minimalism, and sophistication that homeowners want to bring to their mountain respite,” says interior designer Jackie Johnson.
Using Mountain Modern Style in Urban Settings
While mountain modern lends itself to homes nestled in the mountains, you don’t necessarily have to dwell in the alpines to pull inspiration from this trend. Just be aware that a little goes a long way if you’re not designing a mountain house, says Humphrey. Going overboard in a suburban or urban space could result in a space that feels inauthentic—or worse yet, borders on cheesy theme park. The goal is to incorporate warm, natural touches in ways that make sense for the space. And true to the “modern” portion of this trend, less is alway going to be more.
How to Add Mountain Modern Style to Your Home
Not sure where to start? Let this interior design advice guide you.
Strategically Layer Natural Textures and Tones
Mountain modern lends itself to layered earth tones and natural textures just as they would appear in nature. “Think of the details in the layering of the textures like wood, metal, and fabric that bring the space to life, rather than layering on more décor,” says Johnson. “In this case, less is more.”
You’ll want furniture with clean lines, minimal large-scale pieces that create interior vistas, and just a few accessories. Here are some ways you can subtly layer textures and tones into your space:
Natural Fabrics: Leathers and hide-on-hair fabrics can be incorporated via dining chairs, bar stools, accent chairs, and pillows.
Metal Accents: Metal legs on furniture, hardware with some patina, black steel windows and doors, and metal beams are beautiful mountain modern touches.
Wood Details: Try kitchen cabinetry in rift white oak, wood paneling on the walls of powder baths or feature rooms, and live edge tables.
Real Stone: You can add real stone via countertops, backsplashes in your bar or kitchen, or a waterfall island.
Use Rustic Materials in Authentic Ways
Marrying “mountain” and “modern” is key for this aesthetic. “The cleanliness and modern function is the attraction, but for many people, it lacks soul,” says Jordan Obermann, co-founder and co-principal of Forge & Bow. “Using rustic materials in real ways brings a sense of history to the home,”
His solution for striking that perfect balance is to understand the history of the home, keep finishes simple and streamlined, and to let the building materials shine. From there, you can incorporate rustic details where they make the most sense.
Focus on Natural and Accent Lighting
Let the sun be your primary source of light during the day. That means large, open windows that aren’t hidden behind curtains. Incorporate task and accent lighting for early mornings and evenings. “You’ll notice in the national park lodges there’s no overhead can lights,” says Humphrey. “Typically, there’s multiple sources of light, such as chandeliers, table lamps, and floor lamps. It gives you options at home to set the mountain mood.”
Let Windows Be Your Art
If you’re lucky to live in the mountains—and luckier yet to have a stellar view—let nature be your featured artwork. Arrange your space so that you’re invited to gaze outside, and keep window dressings light and to a minimum. If budget allows, consider incorporating a new window or widening an existing one. As an alternative, consider transforming a small door into a larger one, or swap in a full-glass door versus covered iterations.
Lean Toward Warmth
“Clean lines and modern finishes can lean both warm or more cold or sterile, but by bringing in the rustic principles of mountain modern, cold doesn’t work,” says Obermann. “Keep your finishes—even if they are more modern—warm and inviting.” This can be incorporated through the right wall color, large, cozy textiles, inviting furniture, and lighting.
Incorporate Art Prints
In lieu of (or perhaps in addition to) actual mountain views, art prints can bring a little mountain modern into your home. “Whether it’s vintage travel posters or flea market paintings of outdoor scenes, art is a good way to remind you of your travels or inspire you to go outside,” Humphrey says.
Install Earthy Wallpaper
Wallpaper is an easy way to bring some mountain modern magic into your home. “Even a floral print or a plaid or gingham paper that resembles a camp blanket can be a wink towards mountain modern, and can be used in a big way or sparingly in an accent wall or a guest room,” says Humphrey. When in doubt, stick to earthy hues such as forest green, cream, or sky blue that evoke nature.
How much do you need to retire? The usual suggestion provided by financial planners and retirement calculators is 75% to 85% (roughly 80%) of your pre-retirement income. But is that really enough money to retire with security? Does the 80% rule-of-thumb work under all circumstances, or is it merely a rough approximation to simplify the retirement planning process? Let’s examine these issues more closely…
Is 80% Of Pre-Retirement Spending A Realistic Budget?
The basis for the 80% spending rule is that your living expenses are expected to decline once you retire thus your spending should decrease without forcing you to lower your lifestyle. For example, you’ll no longer need to purchase expensive professional clothing and your transportation costs will drop without a daily commute to work. Additionally, your children will probably be grown and out of the house, and you will no longer have to fund your retirement savings. You may even have your home paid in full thus eliminating your mortgage payment and you may be in a lower tax bracket. All these factors indicate your spending should drop during retirement.
Unfortunately, the issue is not as clear as it might appear on the surface. The analysis above assumes certain types of spending will decrease while all other spending remains the same. That is not realistic. For example, many new retirees like to hit the open road and see the world thus increasing their travel budgets. Similarly, it is the rare retiree who does not face rising health care costs.
In short, the 80% rule of thumb is a generalization designed to simplify the retirement planning process at the expense of accuracy. It makes many assumptions about your future that may not be true for you. It is no substitute for making a real budget based on your actual plans for retirement, and it could actually jeopardize your financial security. To make this point clear we will examine five reasons why your expenses may actually increase during retirement instead of decrease…
Longer And More Active Retirements
People are living longer and more active retirement lifestyles than ever before. Increasing longevity has made 60 the new 40. If you plan an early retirement so you can sail around the world or take frequent wine-tasting trips to France and Italy, the cost of those leisure activities and travel can easily offset any decrease in work-related expenses. Alternatively, if you are planning an early retirement it will mean you need more money to support a longer life of leisure. A longer retirement means you can’t spend as much investment principal each month, and a more active retirement means you need more savings and income to support a more expensive lifestyle.
Health Care In Retirement
Health care costs have risen steadily and there is every reason to believe that trend will continue. Additionally, your chances of serious illness or need for expensive medications increases with age. A single medical event can be devastating to your retirement savings if you are not prepared, and if you don’t have long term care insurance then assisted living or nursing home expenses can deplete your retirement savings.
Other Ways Expenses Could Rise
Maybe you haven’t paid off your house, or possibly you took out a home equity loan to remodel. The 80% rule-of-thumb assumes you no longer support dependents, but you may still be paying a child’s college expenses. Alternatively, you might be caring for an aging parent who is living in your home. These expenses certainly won’t go away just because you retire.
Lower Taxes May Be Wrong
The assumption that your taxes will drop during retirement could be totally incorrect. After all, if your retirement income level is similar to pre-retirement income then where will the tax relief come from? In addition, growing budget deficits at all levels of government combined with entitlement program problems indicates a greater likelihood of rising tax rates rather than falling tax rates. In short, the idea that your tax rate will decrease during retirement may turn out to be just the opposite.
Spending Statistics Misrepresent Real Spending
Many research studies have been conducted on the spending patterns of the elderly. One of the more famous studies comes from Ty Bernicke in the Journal of Financial Planning where he cites numbers from the U.S. Department of Labor’s Consumer Expenditure Survey indicating that retirees spend less as they age. A typical 75-year-old spends about half as much as the average 45-to-54-year-old. Overall, spending declines about 25% each decade from age 55 to 75.
This appears to be conclusive evidence that spending does in fact decline with age during retirement; however, there are a couple of major flaws in the research. The first problem results from these figures failing to include long term care costs. You can solve that problem with insurance but there is no solution to the next problem…
Bernicke’s analysis was based on a snapshot in time thus it only compares nominal dollar spending and does not adjust for inflation. In other words, it compares the spending habits of a 75 year old today to the spending habits of a 45 year old on the same day. It does not track a 45 year old over a period of 30 years to determine if their spending decreases with time as the study would imply. Instead, it compares the two different groups at a single point in time.
The problem with this approach is it fails to adjust spending for inflation. A mere 3% inflation will double spending in just 25 years which will more than offset the expected reduction claimed by Bernicke’s research. In fact, it could potentially cause an increase in spending – contrary to what his research would imply.
A More Accurate Approach For Determining How Much Money You Need To Retire
In summary, you would be wise to forget the oversimplified rules of thumb when trying to figure out how much money to retire. Your financial security is at stake and you deserve better. Instead, it is far more prudent to develop a realistic budget for your retirement spending based on your actual retirement plans. You don’t have to make it perfect because nobody can predict the future, but you do want to make it as accurate as you can.
A personal budget for retirement is necessary because your life situation is unique. Only you know the financial situation facing your maturing children and aging parents that might affect your budget. Only you know about your globetrotting plans to travel the world for a decade or two before slowing down. That means you will need to add that expense into your budget for a decade or two before removing it. If you have long term care insurance then add the premiums as an expense into your budget, and if you don’t then build a cushion into your savings for self-insurance. In short, develop a plan for retirement and then develop a budget to reflect your plan.
When you complete the budgeting process you may be happily surprised to learn you only need 60% of pre-retirement income making you better off than expected – or your dreams could require 140% of pre-retirement income causing a challenge. This is key to your financial security because the difference between these two numbers can either break the back of your retirement savings or make a meager nest egg look plentiful. Because the range of outcomes is so wide and the stakes are so high, the only realistic solution is to replace the rule of thumb with a carefully developed retirement budget based on your unique needs to figure out how much you really need for retirement.
It is the only prudent thing to do.
About The Author
Todd R. Tresidder is a financial coach who blogs about retirement planning, wealth building and investment strategy. He wrote the book How Much Money Do I Need To Retire teaching you how to overcome the hidden problems behind retirement calculators that threaten your financial security.