Thanksgiving is a cherished holiday celebrated in various ways across the United States. Whether you’re hosting a traditional dinner in Atlanta, Georgia, or a casual friendsgiving in Chicago, Illinois, the essence remains the same: Gathering with loved ones, expressing gratitude, and indulging in a delicious feast. However, planning and hosting the perfect Thanksgiving dinner can be overwhelming, even for experienced cooks.
From menu selection to table setting, countless details must be considered when thinking about how to make Thanksgiving dinner memorable. This comprehensive guide offers expert advice to help you curate a Thanksgiving spread that will leave your guests impressed. Whether you’re a seasoned chef or a kitchen novice, we’ll provide the insights you need to create an unforgettable holiday celebration.
1. Make the desserts ahead of time
Dorthy Kern with Crazy for Crust shares that she finds that the key to a stress-free Thanksgiving is making your desserts ahead of time. “No one wants to be trying to make homemade pie crust or pumpkin pie while making the turkey.” Kern recommends to make your pies a few weeks ahead of time, cool them, then freeze them wrapped well in plastic wrap.
2. Vegan pumpkin pie
Make sure to accommodate all dietary preferences so everyone at the table can enjoy a great Thanksgiving, suggests Lucy Johnson with Edible Ethics. For example, you can make your pumpkin pie vegan by swapping out the eggs and cream for coconut cream, or create a gluten-free version of your favorite stuffing by using gluten-free bread.
3. Balancing traditional dishes
Roshani with Hungry Lankan shares “to focus on balancing traditional dishes like roasted turkey and stuffing with creative sides such as spiced sweet potatoes or cranberry chutney, while accommodating dietary needs to ensure every member feels included—plus, prepping for it with family members is half the fun!”
4. Ditch the turkey
Instead of turkey, consider a vegan roast for your table, suggested by Ed and Natasha Tatton with Bred Made by Ed. You may crave traditional dishes you grew up with involving animals, but you can be mindful of the impact of your meal. Creativity can go a long way. Search for animal-free versions of classic dishes online, or visit your local vegan grocery store to see what’s available.
5. How to make Thanksgiving dinner an all-inclusive feast
This Thanksgiving, make sure to offer dishes that cater to all food preferences by including dishes that are vegan, gluten-free, or simply wholefood-based, as recommended by Eating Vibrantly. Simple dishes like this oil-free popcorn or this raw vegan chocolate are sure to delight your health-conscious guests.
Eating Vibrantly also shares to add even more delicious produce to your Thanksgiving feast with plant-based condiments, like this raw vegan pesto or this macadamia mayonnaise.
Photo courtesy of Eating Vibrantly
Jude Sharp, founder and head baker with The Unsweetened Tooth located in Seattle, WA, says, “When curating the perfect Thanksgiving menu, focus on inclusivity by offering options that cater to a variety of dietary needs, such as gluten-free, diabetic-friendly, keto-friendly, and no-sugar-added or low-carb dishes — especially desserts. Since this is a major dessert holiday, many people with restrictions often feel left out. Ensure that guests with health conditions or lifestyle choices can still indulge by providing delicious alternatives, so everyone has a seat at the dessert table. An inclusive menu allows all your guests to savor the celebration without missing out.”
Photo courtesy of The Unsweetened Tooth
Hosting Thanksgiving can be overwhelming considering the dietary requirements of all guests, says Liz Douglas with Glow Diaries. Liz shares “Consider making a few dishes that are already allergen-free and/or vegan-friendly so you don’t have to make separate variations of each dish. Think roast potatoes in olive oil (rather than butter), dense grain salads, or a pot of rich mushroom bourguignon. You’ll be amazed at how easy and delicious these recipes can be, and it will help make all your guests feel welcome and included in the holiday meal.”
6. Fun twist on traditional dishes
Eunice Lim, founder of Food Travel Babe, shares, “Give your Thanksgiving classics a fun twist — mix traditional dishes like roasted turkey with fresh, seasonal ingredients that showcase your personal style and creativity. Make your table look as good as it tastes by playing with different textures and colors, so every dish feels like it belongs together, both in flavor and how it looks!”
Photo courtesy of Food Travel Babe
7. Elegant, whimsical table
Natacha Sanz-Caballero shares how she loves an elegant Thanksgiving table. Natacha says, “If there’s an occasion to show your best linens, china, and silverware, this is it. However, an elegant table doesn’t have to be stiff, and you can, in fact, imbue some level of whimsy without losing a thread of sophistication. She shared a few tips to achieve this. Natacha suggests mixing and matching plates that are different but follow a pattern, for instance, the same or similar material and color group.
Photo courtesy of Natacha Sanz-Caballero
As opposed to a larger centerpiece, she chooses one theme for a center table spread and distributes them from one end of the table to the other; that way everybody has something nice to look at. Natacha also shares “that nothing beats a candlelight-lit table, which gives a touch of elegance yet is whimsical. Like with the center table decor, spread the candles from one end of the table to the other. Everybody will have the perfect glow!”
8. Sharing the feast
Sometimes asking your guests to bring something they can eat really makes the day more inclusive, as recommended by Catherine Rose with Divinely Gluten Free. It allows variety and things you may never have thought of making. Serve the gluten-free creamed spinach as a dip with the gluten-free hard rolls cut into bite-sized pieces. This is a classic combination that is both delicious and easy to eat.
9. Snack on without spoiling their appetite
Hannah Dela Cruz, founder of Make It Dough and author of Sourdough Every Day, shares that her secret to a wonderful Thanksgiving is embracing hors d’oeuvres. “There’s always that moment when everyone starts feeling a little peckish and impatient for dinner. A large charcuterie board is perfect for guests to snack on without spoiling their appetite for the turkey. Hannah recommends serving up a large Sourdough Discard Focaccia, sliced into two-bite portions and served with balsamic vinegar and olive oil or a flavorful herby chimichurri. It’s easy to prepare a large batch with minimal effort. She adds that it can be made in advance, so it doesn’t take away oven space from the all-important turkey and sides.
10. Creating a timeline with Thyme of Season
“Creating a timeline and sticking to it is most important for a successful Thanksgiving gathering,” says Henrie Marie with Thyme of Season. Marie recommends planning your menu weeks before allowing time for any special ordered items to arrive. Making items such as pies a week or so in advance, they freeze well and are ready to bake when you need them. Prepping vegetables and appetizers, such as dips, a day before helps tremendously. Lastly, decorate and set the table days before too, so it’s perfect without the stress; just don’t use it.
11. Warming your desserts
Amada Powell with A Cookie Named Desire also highlighted the importance of making your desserts days ahead of time and putting them in the refrigerator, freezer, or at room temperature depending on the particular dessert you choose. Amanada also shares this expert tip: “You can warm your desserts, like pies, in the oven when everything is finished cooking using the residual heat, so it is warm and ready to be enjoyed by everyone by the time dinner is finished.”
12. Just breathe
LeAnne Yaakubov with Lion’s Bread shares, “Start prepping and chopping the ingredients 2-3 days ahead of time and set the table the night before.” LeAnne recommends “taking out all of the serving dishes and labeling each one with a sticky note that indicates the dish she is putting in it”. She also recommends “sticking to tried and true classic recipes, making a big cocktail pitcher, and letting everyone graze on a simple but elegant cheese platter while you’re finishing up the meal. Also, breathe.”
Creating a memorable Thanksgiving feast
Thanksgiving is a beautiful reminder that gratitude transcends location, be it a cozy apartment or a sprawling house. It’s a time to gather loved ones, both family and friends, new and old, and celebrate the bounty of the season. While the specifics of your feast may differ — a gluten-free creamed spinach dip with crusty rolls for some, a vegan roast for others — the core message remains the same. Let this Thanksgiving be a celebration of togetherness, delicious food, and the things that truly matter. Use these expert tips to create the perfect moment. So raise a glass, share a laugh, and savor the company of those who make life special.
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:
Learn expert tips and tricks for saving money on holiday travel booking, from the best time to book to when you should use rewards points.
When should you book your holiday travel? How can you save money on travel during the busiest travel season? Hosts Sean Pyles and Meghan Coyle talk to travel rewards Nerd Sam Kemmis about how to save money when booking holiday travel, with tips and tricks on using companion fares, the optimal time to book holiday flights, and understanding the fine print of airline programs. They also discuss the challenges and benefits of standby flights, the value of subscribing to flight deal newsletters, and the advantages of using credit card points and transferring them to partner airlines. By exploring these topics, the hosts aim to provide listeners with actionable advice to make holiday travel more affordable and less stressful.
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Episode transcript
This transcript was generated from podcast audio by an AI tool.
Sean Pyles:
Over the river and through the woods, to Grandmother’s house we go. And if you don’t want that to break the bank, have we got an episode for you — and Grandma. Today, tips and tricks for saving money on holiday travel booking.
Sam Kemmis:
Because changing and canceling flights for most airlines is a lot easier now than it used to be, and there aren’t as many change and cancellation fees, that actually is a pretty good strategy.
Sean Pyles:
Welcome to NerdWallet’s Smart Money podcast. I’m Sean Pyles.
Meghan Coyle:
And I’m Meghan Coyle.
Sean Pyles:
And this is episode two of our Nerdy deep dive into holiday travel and the costs therein. And Meghan, I know you and I are both in the camp of avoiding holiday travel if at all possible. As much as we love our families, sometimes the hassle of getting to them just isn’t worth a wing and a leg of, you know… turkey.
Meghan Coyle:
Yeah. I heard what you did there, Sean. As we know, plenty of people do brave the crowds and the lines and the delays to see their loved ones over the holidays, so we are here to help smooth that process as best we can, especially when it comes to what you’re spending on that travel.
Sean Pyles:
The holidays are infamous for higher prices, especially on airfares, and there are definitely ways to save money if you’re willing to be a little flexible.
Meghan Coyle:
Sean Pyles:
Ooh, I love secrets, and we’re going to share lots of them today. So listener, perk up your ears like you’re listening for sleigh bells in the distance because we’re going to drop a lot of insider knowledge on you today. It’s our holiday gift to you.
Meghan Coyle:
That’s right, wrapped up all pretty and nice.
Sean Pyles:
We want to hear what you think too, listeners. To share your ideas and experiences around holiday travel with us—the good, the bad, and the insanity—leave us a voicemail or text the Nerd hotline at 901-730-6373, that’s 901-730-NERD, or email a voice memo to [email protected]. So Meghan, who are we hearing from today?
Meghan Coyle:
Today, our guest is our Nerdy colleague, Sam Kemmis, and we’re going to explore all the ways you can save yourself some cash when you’re booking holiday travel, and you don’t necessarily need to redeem your points to do it.
Sean Pyles:
That’s coming up in a moment. Stay with us.
Meghan Coyle:
Hey, Sam. So great to have you back on the show.
Sam Kemmis:
It’s so great to be here.
Meghan Coyle:
What are your travel plans for the holidays?
Sam Kemmis:
They’re not the most exciting, but I’m going to go home to Montana, where I’m from, with my kids to see family.
Meghan Coyle:
Aw, that sounds really sweet.
Sam Kemmis:
Meghan Coyle:
Is it going to be cold there?
Sam Kemmis:
Oh, yeah. It’s always cold. I always go for the cold snap. It always gets into the negative temperatures while we’re there.
Meghan Coyle:
Sam Kemmis:
This is always the question, and I wish I had that silver bullet where I’m like, “Here’s the one weird trick to saving money on holiday travel,” but the truth is it’s hard to do. But I do have a few tricks up my sleeve. So one of them is using companion fares. My partner and I both have the Alaska companion fare, which is great because we have two kids, and it lets us book a second ticket for just a little over $100 no matter how much the first ticket costs. Because you’re spending the same amount on that second ticket no matter what, the more expensive your first ticket is, the more value you’re getting from it. Holiday travel tends to be pretty expensive, so I usually save that companion fare for the holiday so I can kind of maximize that difference between the $100 and whatever I end up paying for the actual fare.
Meghan Coyle:
So it’s kind of like you’re almost using your companion fare as a kid discount, a child discount on your airfare for the holidays.
Sam Kemmis:
I wish my oldest was still young enough that I could put her on my lap. That’s the real discount for the holidays. In a pinch, I use companion fares. Alaska has a great one, but there’s also one from Delta. Southwest has its sort of famous one. There are some companion fare options out there.
Meghan Coyle:
And tell us how Alaska’s companion fare works. I believe you get that through a credit card, is that right?
Sam Kemmis:
Yes. You get it through its co-branded credit card and you get one of them to use every year.
Meghan Coyle:
Is this an annual tradition of yours to use the companion fare on the holidays?
Sam Kemmis:
Yeah, I guess it is becoming one as my kids get older. It used to be I would try to just book the most ludicrous flight that would still qualify with stopovers and multi-cities and going to Costa Rica and whatever I could do. But for one thing, Alaska has sort of changed the terms of it so it’s not so easy to do that. And now, yeah, not as exciting and my most expensive trip is usually home for the holidays.
Meghan Coyle:
Makes sense. Yeah. And I know some of the other companion fares have different terms and things like that, but Southwest’s companion pass lets you get flights for a discount for the entire year, so the holidays are also a great time to use that for a really high value.
Sam Kemmis:
Just no blackout dates on those, as far as I know.
Meghan Coyle:
That’s what we’re looking for for holiday travel because the travel companies know that these are such high demand times. You have to be really careful with the deals. Let’s talk about when you book your holiday travel. Have you done that already?
Sam Kemmis:
I have not. I have learned from covering this beat for so long that it’s actually usually better to wait until the fall to book, and maybe even a little later in the fall. So that’s easy for me because I’m a procrastinator, but I know there are a lot of people who want to book as early as possible. But the data show that booking months in advance doesn’t actually save you money. One piece of data I got from Google Flights that they shared with me showed that the lowest prices for the holidays usually happen between 80 and 20 days before departure, so about one to two months before departure, and that’s true for both Thanksgiving and the December holidays. If I’m booking for Christmas, that will put it somewhere in October, likely, that I’m booking. That’s a rule of thumb, but every year is different. It could be that if you wait until that 20-day cutoff that prices will actually go up, or that may be when prices are actually lowest. Just like anything that revolves around supply and demand, there’s no way to really play the market. Booking way in advance is usually not a great idea.
Meghan Coyle:
Okay, that makes me feel a lot better because I haven’t even started thinking about it yet.
Sam Kemmis:
I know. It’s like 95 degrees here. It’s hard to imagine.
Meghan Coyle:
I know we’re talking a bit early about holiday plans, and one thing I wanted to float out there is that you could book something now and kind of lock in a lower rate, and then you might be able to rebook it or change it or cancel it if something happens, your travel plans change, or even the price goes down. Can you talk a little bit about that and why that might be a good option for the holiday travel?
Sam Kemmis:
Yeah, because changing and canceling flights for most airlines is a lot easier now than it used to be, and there aren’t as many change and cancellation fees, that actually is a pretty good strategy. If you’re just one of those people that doesn’t want to wait and you see a decent price right now, you can always book it now and, like you said, either change the ticket when you see a better price and you might get a refund on that difference, or just cancel your ticket outright and rebook the lower price. So that’s not a bad idea.
You want to be a little careful, though, to make sure that you’re actually booking a refundable flight. And that doesn’t mean a fully refundable fare, but usually basic economy flights and flights with budget airlines like Spirit and Frontier do not have full cancelability. They won’t offer a full refund, especially those basic economy tickets. You want to watch out booking those. You probably won’t be able to get your money back. The same thing applies for hotels. Hotels are usually a lot easier. They’re usually much more flexible in terms of letting you rebook and even cancel last-minute. You can always book some hotel rooms in advance as long as you’re checking that fine print and making sure that you can cancel it later.
Meghan Coyle:
Something I used to do in college as well was I would take advantage of same-day changes and standby to help save a bit of money on holiday travel. I’ll tell you how this worked and then you can tell me if that was a good strategy or not to use.
Sam Kemmis:
Yeah, I want to hear about this.
Meghan Coyle:
I went to school out of state, so I had to fly home for the holidays. The cheapest flights were usually these super early morning, 6:00 AM flights, or maybe they would have some stops or I would take the red eye. I mean, these were just awful flights I was booking. But if you look into some of the same-day change policies and standby policies, you might actually be able to sometimes call your airline ahead of time, like the day before, or even look in the app and see if there was any availability on a better flight. As long as your departure airport and your arrival airport didn’t change and you were still taking off on the same calendar day, you can save a lot of money by just taking any of those extra seats on a better-timed flight. Something I would do is I would book maybe the earliest flight back on the Friday after Thanksgiving, and then I wouldn’t actually get up at 6:00 AM after eating tons of turkey the day before. I would just check on Thanksgiving and change it, sometimes for free if you have elite status, or there’s some type of policy that’ll let you change for free, or I would pay a pretty nominal fee, like $75, and fly back at a much more normal time. What did you think about that strategy?
Sam Kemmis:
That’s not bad, and I’ve definitely done things like that. I think it’s for sure a good college student strategy because it works as long as you’re pretty flexible on what actually ends up happening. You can have this great plan and, “Oh, I’m going to change it to a better flight,” and there may just not be better flights available. Or you could sort of go on standby, that fills up, and then you’ve got to get over to your actual flight or onto another standby. You could kind of end up in this purgatory where you’re not on any flight.
Meghan Coyle:
Sam Kemmis:
Obviously, I’m speaking in generalities because every airline is going to have different policies for this.
Meghan Coyle:
Sam Kemmis:
I love it. I love that kind of thing. I’ve done that with red eyes where I’ve booked a red eye that’s way cheaper and then just said, “Oh. Actually, could I just fly a normal flight?” and it works out. Totally a possibility if you’re willing to put in a little extra uncertainty work.
Meghan Coyle:
That’s a good call out. And probably wouldn’t work if you have multiple people traveling, like your family, so that would make it a bit more difficult.
Sam Kemmis:
Yeah, I think my kids would break up with me.
Meghan Coyle:
So where should people look for deals, whether on hotels or airlines, for holiday travel?
Sam Kemmis:
Airline deals themselves can be tough for the holidays. You might see airlines promote different sales, but usually those have blackout dates that are actually around the holidays. And so unless you’re willing to fly quite far off from the holiday itself, that’s probably not going to apply. That said, it might be worth subscribing to some flight deal newsletters or social media accounts. You can find those on Instagram or TikTok, and email newsletters are all over the place. And every once in a while, those will have deals around the holidays, especially internationally, especially around Thanksgiving. Because other places don’t celebrate our Thanksgiving, you can find deals around then for sure. Hotels also might have some deals around the holidays depending on how popular that particular property is around that particular holiday, so it’s worth going to the hotel’s website to see if they have any packages that might be a good deal.
Meghan Coyle:
I know we talked about this earlier in the episode—your credit card can come in handy for saving cash on travel purchases. Yours was through a companion fare through your Alaska co-branded card. What are some other situations where you should maybe look at your credit card and see how it can save you cash for holiday travel?
Sam Kemmis:
There’s a few options. One is using your credit card points. The most obvious way to do that is through the booking portal that the credit card has, so Chase Travel or AmEx Travel, whatever it is. Then you’re basically using the points for a fixed value, so you’re essentially buying cash tickets and using the points to pay for those cash tickets. If you’ve got a big pile of points and you want to use them up and you’re going to book a flight anyway, that’s not a bad way to do it. But there is another way to do it, which is to transfer those credit card points to a partner airline, and then book award travel through the partner airline. For instance, you might transfer them to American Airlines and then book using miles through American. So I say that’s another option. We’ve looked into the data and have seen that those bookings don’t usually offer a better cent-per-point value than booking at any other time, but they’re also not much worse. If a flight is twice as expensive as it normally is around the holidays, it will probably be about twice as expensive using miles. So again, there’s no free lunch here, there’s no way to game the system, but you might be able to find a little bit more value by transferring those credit card points to an airline and then booking through the airline.
Meghan Coyle:
Okay. Yeah, that makes sense. And you could also do half points, half cash in a lot of cases if you’re booking through the portal, right? So that might be a way to save some cash as well.
Sam Kemmis:
Yeah, it’s all relative. Do we call our credit card points cash? Are they their own thing? What is it?
Meghan Coyle:
Now we’re getting super nerdy. Are they cash?
Sam Kemmis:
Yeah. Yeah. Sometimes, also, your credit card might have cash back offers on certain hotels or other travel opportunities. Chase offers or AmEx offers might give you 10% back on a statement credit, so you could add that offer to your travel card before you book. Some travel credit cards offer statement credits on travel purchases either booked through the issuer’s travel portal or booked directly with a certain airline or a hotel. That’s a way to offset both the airline cost and the hotel cost.
Meghan Coyle:
Okay. Now let’s make it a little bit spicy. Let’s say you don’t have to go home for the holidays. You want to use that time off to go somewhere else. What are some good ways to save money on this type of holiday travel that’s more like a vacation?
Sam Kemmis:
One option is to go international. Like I said, other countries aren’t necessarily celebrating Thanksgiving. Some don’t celebrate Christmas or the same holidays in December. It might be worth looking at some of those countries to see if there’s some cheaper flight options. And then you can always check out Google Flights or Skyscanner search tools and put in “Anywhere” for the destination. Just be like, “Surprise me,” and just see what’s cheap.
Meghan Coyle:
I love that. You could end up literally anywhere for the holidays. Any other tips for saving on holiday travel without using your points?
Sam Kemmis:
I plug this all the time. I’m always promoting selling your family on doing Thanksgiving the week before or after actual Thanksgiving because…
Meghan Coyle:
Oh, yeah. I remember you wrote an article about this.
Sam Kemmis:
I did, and nobody ever cares and nobody ever bites, but I’m going to say it again. If you just convince your family to do it the week after, airfare will be half as expensive. There will be so much availability for vacation rentals, anything you need, and it still feels like the holiday. It doesn’t really matter as long as you all agree. Then you could extend that out to anything and be like, “Is anything real? Is everything arbitrary? Is it all just in our minds?”
Meghan Coyle:
And with that, we’ll leave everyone with a lot of existential questions.
Sam Kemmis:
That’s right.
Meghan Coyle:
Well, Sam, I know it’s a couple of months away, but I hope you have a great holiday season, or let’s just say a great fall/autumn season, and thanks so much for helping us out today.
Sam Kemmis:
My pleasure.
Sean Pyles:
As ever, I am impressed by how far a little flexibility can go when it comes to saving money on travel. And I say that as someone who is totally inflexible with my travel plans and therefore will never save money like you described doing in college, Meghan. That might be another reason why traveling around the holidays is not my thing.
Meghan Coyle:
I’ll say I did a lot of crazy things as a college student to save money. I remember going to these hour-long talks about the economy so I could get a free Chipotle burrito, and then it turned out it wasn’t even a whole burrito. That tells you how much my time was worth back then. One hour equals half a Chipotle burrito. But back to holiday travel, flexibility is really the key to getting deals on travel at any time of the year.
Sean Pyles:
Yeah. This is really something that I’ve taken to heart, which is that if you’re going to travel for the holidays, try to do it on the days when other people don’t. I mean, if you travel on the holiday itself, sure, you might miss out on some meal prep and maybe some games in the backyard if it’s not snowing where you are, but the hassles you’ll avoid just might be worth it. Now of course, that might not work if you have to deal with layovers or you’re going, say, from the West Coast to the East Coast and the time change makes it untenable. But if you don’t have those factors, why not? I’m sure the captains and flight attendants would love to have your company on the actual holidays.
Meghan Coyle:
Yes. And a hearty, “happy Thanksgiving” is always welcome when you have to work the holiday. And just think of the money and potential annoyances you’re saving by traveling the day of. If you can swing it, why not?
Sean Pyles:
All right. Well, our series continues next week. Meghan, what have you got in store for episode three?
Meghan Coyle:
Well, Sean, I would venture a guess that the biggest worry people have about traveling for the holidays is probably a flight getting canceled or maybe a road getting iced over so you can’t get somewhere. But a close second would be your luggage, all your stuff, the stuff you’d need to look and feel great at your destination, not to mention the presents. You lose that and, well, sad face. We’re going to have some tips and advice for getting your stuff from one place to another without losing your mind or your money.
Jessie Beck:
Once you add on the cost of paying to have a carry-on bag on that basic economy ticket, you might as well just get an economy ticket and be able to be a little bit more flexible. I think that’s the most important thing for me. If I did have to make a last-minute change, I can do that penalty-free.
Sean Pyles:
For now, that’s all we have for this episode. Do you have a money question of your own? Turn to the Nerds and call or text us your questions at 901-730-6373. That’s 901-730-NERD. You can also email us at [email protected]. And remember, you can follow the show on your favorite podcast app, including Spotify, Apple Podcasts, and iHeartRadio to automatically download new episodes.
Meghan Coyle:
This episode was produced by Tess Vigeland, Sean helped with editing, Claire Tsosie helped with fact-checking, and a big thank you to NerdWallet’s editors for all their help.
Sean Pyles:
Here’s our brief disclaimer: We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.
Meghan Coyle:
And with that said, until next time, turn to the Nerds.
Indiana, known for its friendly communities and iconic Hoosier hospitality, is a state where you’ll find a mix of bustling urban centers like Indianapolis and serene rural landscapes. The state is rich in sports culture, home to the Indianapolis 500 and passionate basketball fans, and offers a diverse range of recreational activities. Whether you’re browsing homes for sale in Carmel, considering renting in Bloomington, or exploring houses for rent in Fort Wayne, here’s what you need to know before moving to Indiana.
Indiana at a glance
Living in Indiana blends vibrant city life and peaceful rural landscapes, making it an appealing destination for diverse lifestyles. Indianapolis, the state capital, is a bustling metropolis known for its sports culture, including the legendary Indianapolis 500 and the Indiana Pacers. Other major cities like Fort Wayne and Evansville provide a mix of economic opportunities, cultural experiences, and educational institutions. The state’s affordable cost of living, particularly in smaller cities and towns, makes it an attractive option for those looking to settle down without breaking the bank.
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1. The Hoosier hospitality will make you feel right at home
Hoosier hospitality is a hallmark of life in Indiana, characterized by the warm and friendly demeanor of its residents. Whether you’re moving into a new neighborhood or just visiting, you can expect a welcoming atmosphere with people eager to help and make you feel at home. Local communities often come together for neighborhood events, fairs, and potlucks, reflecting the state’s strong sense of community. For instance, small-town events like the Lafayette Jefferson High School Football games or local farmers’ markets often have a friendly, inclusive feel, making newcomers feel like part of the community from day one.
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Insider scoop: Consider visiting during the annual Indy 500 Race Week to enjoy not only the main event but also the numerous pre-race festivities, parades, and fan activities that take over Indianapolis.
3. Indiana has a low cost of living
Indiana has a notably low cost of living compared to many other states, making it an attractive option for those seeking affordability. The median home sale price in Indiana is $271,800, which is significantly lower than the national median of $442,479 and offers great value compared to major metropolitan areas. For renters, average monthly rental prices in Indianapolis are $1,243 for a one-bedroom apartment, further displaying the affordability in larger cities. In fact, the cost of living in Indianapolis is 9% lower than the national average. This combination of low housing costs, reasonable rental prices, and moderate day-to-day expenses contributes to Indiana’s reputation as a budget-friendly place to live.
A lower cost of living is a major advantage of moving to Indiana. Explore additional pros and cons of living in Indiana to get a comprehensive understanding of what life in the state has to offer.
4. You’ll find great higher education options
Indiana is home to several esteemed higher education institutions, offering a range of academic programs and research opportunities. Indiana University in Bloomington is renowned for its strong business, law, and medical programs, while Purdue University in West Lafayette is highly regarded for its engineering and technology disciplines. The University of Notre Dame, located in South Bend, is known for its prestigious programs and vibrant campus life. Additionally, smaller colleges such as Butler University and DePauw University provide excellent liberal arts education and personalized learning experiences.
5. Indiana is a manufacturing hub
Indiana has long been a major player in the manufacturing sector, with a diverse range of industries contributing to its robust economy. The state is a leading producer of automobiles, with major companies like Cummins Inc. and General Motors having significant manufacturing facilities there. The state’s strong manufacturing base supports a wide array of jobs, from assembly line work to engineering and design, reflecting Indiana’s deep ties to industrial innovation and production.
6. The northern part of the state is flat with rolling hills in the south
The geography of Indiana varies significantly from north to south, influencing both the landscape and the lifestyle. Northern Indiana is characterized by flat terrain and extensive farmland, with regions like the Valparaiso Moraine and Lake Michigan shoreline offering expansive views and agricultural opportunities. In contrast, southern Indiana features rolling hills, forested areas, and more varied topography, exemplified by places like Brown County State Park. This geographic diversity impacts everything from local agriculture to outdoor recreational activities, with each region offering scenic and environmental characteristics.
7. Be prepared for the harsh winter weather
Indiana winters can be quite harsh, with temperatures frequently dipping below freezing and significant snowfall occurring from late November to March. The state averages around 25 to 30 inches of snow annually, but this can vary, with northern areas receiving more snowfall than the southern parts. Ice storms and cold snaps are also common, requiring residents to be prepared for winter driving conditions and potential power outages.
Insider scoop: To make winter more manageable, invest in a set of high-quality snow tires and keep an emergency kit in your car with essentials like blankets, food, and a flashlight.
8. Indiana is part of Tornado Alley
Indiana is located in the eastern part of Tornado Alley, making it susceptible to tornadoes, particularly in the spring and early summer months. The state experiences an average of 20 to 30 tornadoes annually, with varying levels of severity. Tornadoes in Indiana can range from relatively minor twisters to more destructive events, necessitating preparedness and awareness.
Travel tip: Residents should be familiar with tornado safety protocols, have an emergency plan in place, and stay informed through local weather alerts to protect themselves and their property during severe weather events.
9. Public transportation is sparse here
Public transportation options in Indiana are limited, especially outside of major urban areas. While cities like Indianapolis have some public transit services, including buses operated by IndyGo, many rural and suburban areas rely heavily on personal vehicles. This can be a challenge for those who do not drive or prefer public transit options. For instance, outside of Indianapolis, transportation options may be restricted to regional bus services or ride-sharing apps, making car ownership almost essential for daily commuting and errands.
10. Indianapolis is close to major cities
Indianapolis’s central location provides convenient access to several major cities in the Midwest, enhancing its appeal as a transportation and business hub. Located approximately 100 miles from Chicago, 200 miles from St. Louis, and 175 miles from Cincinnati, Indianapolis offers a strategic position for both business and leisure travel. This proximity allows residents to easily visit these cities for work, entertainment, or cultural events while enjoying the benefits of living in a less densely populated area.
11. The sugar cream pie is the state’s staple
Sugar cream pie is a beloved and iconic dessert in Indiana, known for its simplicity and rich, sweet flavor. Often referred to as “Hoosier Pie,” it features a creamy filling made from sugar, cream, and vanilla, with a flaky pie crust. The pie is traditionally made with ingredients readily available to early settlers, reflecting the state’s agricultural heritage. Popular in local bakeries and diners, sugar cream pie is often enjoyed as a comforting and nostalgic treat, especially during family gatherings and state fairs.
Insider scoop: For a true taste of Indiana, visiting local spots like the Vanilla Bean Bakery in Indianapolis can provide an authentic slice of this classic pie.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Oklahoma is a state that beautifully blends Native American heritage, cowboy culture, and modern urban attractions. From the bustling streets of Oklahoma City to the tranquil beauty of the Wichita Mountains, Oklahoma offers a unique mix of experiences. But what else is Oklahoma known for? Whether you’re considering renting a home in Tulsa, looking to settle into an apartment in Norman, or just planning a visit, you’ll soon find that Oklahoma has much more to offer than meets the eye. In this article, we’ll explore what makes Oklahoma special and why so many are proud to call it home. Let’s dive in.
1. The Oklahoma State Fair
The Oklahoma State Fair, held annually in Oklahoma City every September, is a cherished event in the state. The fair spans over eleven days and attracts thousands of visitors with its array of attractions and activities. The fairgrounds provide attendees with thrilling amusement rides, from classic Ferris wheels to high-adrenaline roller coasters. Additionally, food is a major highlight, from corn dogs and funnel cakes to unique creations such as deep-fried Oreos and bacon-wrapped turkey legs. Beyond that, the fair has an impressive lineup of live entertainment including live concerts, stunt performances, and magic acts.
2. National Cowboy & Western Heritage Museum
The National Cowboy & Western Heritage Museum in Oklahoma City is a must-visit for anyone interested in the American West. The museum boasts an extensive collection of Western art, artifacts, and exhibits that celebrate cowboy culture. Visitors can see impressive sculptures, paintings, and even life-sized dioramas depicting scenes from the Old West. This museum offers a fun and educational experience, making it a top attraction in the state.
3. Chicken fried steak
Oklahoma’s culinary scene is highlighted by the beloved dish, chicken fried steak. This comfort food classic consists of a breaded and fried beef steak, typically served with creamy gravy and mashed potatoes. It’s a staple at many local diners and restaurants, such as Kendall’s Restaurant in Noble. Praised for its hearty portions and delicious flavor, chicken fried steak represents Oklahoma’s tradition of Southern cooking.
4. Lake Texoma
Lake Texoma is one of the largest reservoirs in the United States. Straddling the Oklahoma-Texas border, this lake offers a wide range of activities such as boating, fishing, and camping. Additionally, Lake Texoma is known for its excellent striper fishing, making it a prime spot for anglers looking to catch trophy-sized fish. The scenic beauty and recreational opportunities make it a favorite spot for locals and adventure seekers alike.
5. Philbrook Museum of Art
The Philbrook Museum of Art in Tulsa showcases an impressive collection of art from around the world. Housed in a stunning Italian Renaissance-style villa, the museum features works by renowned artists such as Pablo Picasso and Georgia O’Keeffe. Also, the beautiful gardens surrounding the museum provide a serene setting for visitors to enjoy.
6. Woody Guthrie Center
If you enjoy folk music, you should visit the Woody Guthrie Center in Tulsa. The museum is dedicated to the life and legacy of folk music legend Woody Guthrie. The center features interactive exhibits, rare recordings, and personal artifacts that tell the story of Guthrie’s impact on American music and culture. Patrons can learn about his famous songs, such as “This Land is Your Land,” and explore his contributions to the folk music movement. The center also hosts live performances and educational events, keeping Guthrie’s spirit alive.
7. Route 66
Often referred to as the “Main Street of America,” Route 66 runs through Oklahoma, making it a key landmark in the state. Travelers can explore charming small towns, quirky roadside attractions, and historic sites along this iconic highway. If you plan on driving Route 66, be sure to check out notable stops including the Round Barn in Arcadia and the Blue Whale in Catoosa. This historic route attracts road trip enthusiasts from around the world, eager to experience a piece of Americana.
Fun facts Oklahoma is famous for
Birthplace of the shopping cart: The states holds the achievement of being the birthplace of the shopping cart. Sylvan Goldman introduced it in 1937 at his Humpty Dumpty supermarket chain in Oklahoma City.
The Sooner State: Oklahoma is known as “The Sooner State” because of the early settlers who entered the territory before the official start of the Land Rush of 1889.
Man-made lakes: With over 200 man-made lakes, this state has more of these lakes than other state in the U.S.
8. Tahlequah and Cherokee Heritage
Tahlequah, the capital of the Cherokee Nation, is rich with Native American history and culture. Visitors can explore the Cherokee Heritage Center, which offers exhibits on the Trail of Tears and traditional Cherokee life. The center also hosts events and demonstrations of traditional crafts, such as pottery and basket weaving. Tahlequah provides a unique opportunity to learn about the Cherokee people’s past and present, making it a culturally significant destination in Oklahoma.
College football is a major part of Oklahoma’s identity, with the University of Oklahoma Sooners and Oklahoma State University Cowboys boasting passionate fan bases. The Bedlam Series, the annual rivalry game between these two teams, is a highly anticipated event that highlights the state’s deep-rooted love for the sport. Both programs have produced numerous NFL stars and Heisman Trophy winners, cementing Oklahoma’s reputation as a powerhouse in college football.
10. Pioneer Woman Mercantile
Owned by celebrity chef Ree Drummond, the Pioneer Woman Mercantile in Pawhuska has become a culinary and shopping hotspot. The mercantile features a bakery, deli, and retail store offering Drummond’s signature recipes and products. Visitors can savor hearty meals, delicious pastries, and browse through a variety of kitchenware and home goods. Because of the charming ambiance and friendly service, the mercantile is a popular destination for fans of Drummond’s cooking show and blog.
11. Beavers Bend State Park
Beavers Bend State Park, located in the southeastern part of the state, is a top destination for nature lovers. This scenic park offers hiking trails, fishing spots, and opportunities for kayaking on the Mountain Fork River. The park is also home to cozy cabins and campsites, providing a perfect getaway for social gatherings and outdoor enthusiasts. With its stunning landscapes and variety of recreational activities, Beavers Bend State Park is a great way to experience the natural beauty of Oklahoma.
12. Oil and energy industry
Oklahoma is widely recognized for its significant contributions to the oil and energy industry. The state is home to major energy companies like Devon Energy and Chesapeake Energy, which play a crucial role in the national economy. Oklahoma’s landscape is dotted with oil rigs and natural gas wells, reflecting its deep history in fossil fuel production. The annual Oklahoma Oil & Gas Expo in Oklahoma City highlights the latest advancements and innovations in the field, attracting professionals and industry leaders from across the country.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Creating a budget grocery list is a smart way to save money while ensuring you have all the essentials you need. With the right items on your list, you can enjoy nutritious and delicious meals without overspending.
Whether you’re trying to cut down on expenses, build healthier eating habits, or just make grocery shopping easier, having a well-planned list is key. Here are 12 must-have items that should be on your budget grocery list to help you stay on track and make the most of your money.
1. Dried Beans
Image Credit: DAPA Images.
Dried beans are cheap and full of nutrition. They provide protein and fiber while being low in calories. Perfect for vegetarian and vegan diets, they make a great addition to any budget grocery list.
2. Potatoes
Image Credit: Yelena Yemchuk from Getty Images Pro.
Potatoes are cost-effective and versatile. They can be used in many dishes and are great for those on a budget. You can bake, boil, or mash them for a frugal and filling meal.
3. Peanut Butter
Image Credit: Atlasstudio.
Peanut butter is a budget-friendly staple. It’s a good source of protein and healthy fats. You can eat it alone or use it in various recipes to add flavor and nutrition.
4. Oatmeal
Image Credit: ArxOnt from Getty Images Pro.
Oatmeal is one of the cheapest and healthiest grains. It’s low in calories, high in fiber, and magnesium. It’s a versatile option for breakfast, snacks, or lunch.
5. Eggs
Image Credit: Chas53 from Getty Images Pro.
Eggs are a cheap source of protein and nutrients. They cost less than ten cents per serving and can be used in many recipes, from omelets to baked goods.
To learn more: 100+ Frugal Meals for When You’re Broke or on a Budget
6. Bananas
Image Credit: Image Professionals GmbH.
Bananas are a budget staple. They’re inexpensive, easy to store, and perfect for a quick snack or to add to meals.
7. Apples
Image Credit: Pixelshot.
Apples are a great budget-friendly fruit. Look for cheaper varieties like Red Delicious and Gala. They’re nutritious and easy to find, making them perfect for a frugal grocery list.
8. Rice
Image Credit: Chaded2557 from Getty Images Pro.
Rice is a great value food for any budget. It’s widely used in Mediterranean diets and can be added to stir fry or burritos. Add spices for extra flavor.
9. Lentils
Image Credit: Zerbor.
Lentils are a budget-friendly protein source. You can make plant-based meat alternatives or stretch meals by adding them to ground turkey. They’re versatile and nutritious.
10. Carrots
Image Credit: Fcafotodigital from Getty Images Signature.
Carrots are cheap and full of nutrients like fiber, potassium, and beta carotene. They help with weight loss, eye health, and cholesterol. Buy whole carrots instead of baby carrots to save more money.
11. Pasta
Image Credit: Whitestorm from Getty Images.
Pasta is a versatile, budget-friendly option. It’s cheap and can be used in many dishes, from main courses to side dishes. Top it with sauce, cheese, or butter for a frugal meal.
12. Canned Tomatoes
Image Credit: YelenaYemchuk from Getty Images.
Canned tomatoes are cheaper than fresh and perfect for budget meals. They can be added to stews or sauces. Buying organic canned tomatoes can also save money.
Find 50 more Budget Grocery list ideas
Image Credit: Milaspage from Getty Images.
Want to save money while eating healthy? This guide has a list of affordable food options to keep you full. From meats to grains, fruits to veggies, this budget grocery list has everything you need.
To learn more: The 60 BEST Budget Grocery List Items for Cheap Eating
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Journeying to a new place lets you try on what living in another culture feels and looks like, whether you’re exploring the adobe house-filled streets of Santa Fe or the lantern-lit alleys of an ancient Moroccan city. Many travelers, dazzled by the rug sellers of Istanbul or the pottery workshops of Oaxaca, return with worldly housewares or art to decorate their homes.
“A textile, a clay bowl or an object you pick up at a flea market connects you to a time that you’ve enjoyed, a memory of a place,” says Hilary Robertson, a Brooklyn prop stylist and author of “Nomad At Home: Designing the Home More Traveled.” “If you can’t move to Marrakech or Kyoto, you can at least recreate something of the feeling.”
But snapping up the best items for your particular home requires a bit of strategy and advance planning. Here’s how to shop smartly, how to get your treasures back in one piece, and what to do with them upon your return.
Do your homework
You usually won’t turn up Indigenous handicrafts or interesting local art at an airport store or the hotel gift shop. “So do research before you go, looking up artisan networks, finding out which days flea markets operate, and figuring out what you might even be able to buy in a given place,” says Rachna Sachasinh, owner of Tikkiwallah, an online shop selling fair-trade Thai and Laotian pillow covers, blankets and other textiles.
Seek tips on what to buy and where to shop from your hotel concierge (or short-term rental owner), and via the websites and social media accounts of official tourism boards. You can also flip through old-school guidebooks (Lonely Planet, Rick Steves), which tend to concentrate on local retailers, rather than the location of every West Elm in Mexico City. TikTok and Instagram also offer potential shopping info, but be wary of paid brand placements.
While cool art and vintage home decor are available at most destinations, “you’ll find more handmade items like textiles, rugs and baskets if you travel to places like Morocco, India and Mexico, which still have living crafts cultures,” says Sachasinh.
Consider hiring a shopping pro
To get straight to the treasure hunting, you could hire a tour guide who specializes in shopping for a few hours. Look for market- or retail-specific experiences in your destination on travel booking sites such as TripAdvisor and Tours by Locals; using the name of a specific place (“Istanbul Grand Bazaar” or “Oaxaca pottery workshops”) can further winnow your search.
You can also try a simple online search to turn up market-savvy private guides such as Buenos Aires Shop Hop (guided jaunts to leather workshops and vintage markets in Argentina) or Maryam Montague, the proprietor of Peacock Pavilions hotel in Marrakech, who takes travelers on daylong expeditions through the city’s souks looking for fuzzy tribal rugs, bright pottery and leather poufs.
Or go on a crafts- or shopping-focused trip. Tour companies such as Ace Camps and Thread Caravan host weeklong trips to meet artisans and make things alongside them in destinations such as Perú (try weaving in the Sacred Valley near Machu Picchu) or Japan (learn how to use shibori indigo dyes or make pottery).
Luxury trip-planning company Indagare offers frequent style-centric small group tours to Mallorca, Rajasthan and Paris with dinners in designers’ homes, market excursions and meetups with artists. Grant K. Gibson, an interior designer, leads small groups to destinations such as Jaipur, India, and Oaxaca, Mexico, where they visit showrooms, learn about block printing and woodworking techniques, and usually come back with suitcases full of merchandise.
“Design touches on so many passion points — art, history and culture, food and wine — that trips like these are a great linchpin for learning, exploration and meeting fellow design enthusiasts,” says Indagare founder and chief executive Melissa Bradley.
Know what to look for
To support local artisans, look for fair-trade crafts stores, which pay creators fairly for their products and tend to stock goods representative of a destination. Other top bets: flea markets focused on handmade or antique goods, museum shops, and government-sponsored artisan boutiques or networks. For instance, Artesanías de Colombia shops in Bogotá and Cartagena hawk rope hammocks and palm fiber baskets produced by Indigenous weavers.
“And visiting an artisan workshop might give the deepest connection to something handmade, since you get talk to the crafter or even make something beside them,” says Sachasinh, who recommends the weaving workshops and the blanket- and table runner-stuffed store at Ock Pop Tok in Luang Prabang, Laos. At the Seattle Glass Blowing Studio, artists create the delicate bowls and glasses the Pacific Northwest city is known for — and teach beginners how to make their own.
Think about how you’ll get it home
Serendipity and impulse inspire many souvenir purchases. But if you want a Turkish rug for your living room or a vintage Parisian painting to match your bathroom tile, be sure to travel with photos and measurements of the space you have in mind. “I always bring a measuring tape and swatches of any fabric I want to match, too,” says Montague.
Planning on carrying a lot of items home on the plane? Stash a collapsible duffel (Paravel makes a clever zip-down one) in your luggage, or, for larger purchases, pack an extra, empty hard-sided suitcase. “It’s usually cheaper to pay for an extra checked bag than to ship a lot of things home,” says Montague. Know that oil paintings can be taken off their stretchers and rolled up, and that you can purchase a throw pillow cover that takes up little luggage space and buy the bulky insert when you arrive home.
“I’m wary of checking a bag with breakables, though,” says Bradley, who has ferried glass and pottery back from Cambodia and South Africa in a hard-sided carry-on.
And whether you are two hours away by car or five time zones away by plane, retailers that sell bulky items can generally guide you toward a shipper, even though it’s often not cheap. “I had this great farmhouse dining table shipped from the Paris flea market, and I’ve had people on my trips to India send home inlaid dressers,” says Gibson.
Get creative
Many housewares bought on your travels can be repurposed, and even ordinary goods found in other countries can seem special or elevated compared to what you’d get at home. “I go to Mexican hardware stores, because even basic items like door hooks or storage bins can be so colorful and fun,” says Robertson.
A Navajo rug can serve as a tablecloth; a beaded Maasai collar morphs into a sculpture when displayed on a wire stand. Even the simplest souvenirs — a vintage postcard of Yellowstone National Park, a scrap of fabric — look terrific when nicely framed.
Grouping disparate travel finds on a gallery wall can make them seem cohesive. “I have the most random … stuff hung on the wall of the staircase at my house — a painting from India, a brass bowl I got in Turkey,” says San Francisco interior designer Chelsea Sachs. “It’s like a chronicle of my life, and these things remind me of special moments when I get back home.” Indagare’s Bradley arranges Iranian tiles, Burmese boxes and Peruvian ceramics amid the novels and art books on her shelves.
Fabrics, buttons and other easy-to-transport materials you snap up on the road can turn into home accents, even if you aren’t especially crafty. Bring home a couple pieces of washi — a Japanese mulberry paper so storied it’s recognized by UNESCO — to hot-glue onto a lampshade or inside a wooden tray. A basket or other object can be turned into a light fixture. “I carried a huge antique rattan bird cage home on a ferry from Provincetown once, and now it’s a chandelier,” says Robertson.
And almost any textile — a striped Peruvian blanket, a vintage quilt from a flea market — can be fashioned into a throw pillow or shower curtain by your drycleaner or used to reupholster a chair seat. “Sometimes stuff has to hang around for a while before you know what you’ll do with it,” says Sachs.
You might not want to amass a cabinet full of souvenir teacups, spoons or snow globes like your great grandparents did. But the concept of picking up one small object everywhere you travel still has some validity; it might save you from overbuying, and even kitschy trinkets can summon memories. Think about scoring a holiday tree ornament or small flower vase every time you go on a trip, or save a few coins from each foreign country you visit to pile into a bowl on your coffee table. “Pieces from different places become integral to your home and allow you to reconnect with a destination and its aesthetic,” says Bradley.
Inside: The decision on where you live is a big life choice. Learn how an HCOL vs LCOL area will impact you financially. Plus find the cost of living city that fits for you.
HCOL. LOCL. MCOL. What do these acronyms mean and why should I care?
Back when I was trying to decide where to live, there wasn’t a big discussion about the high cost of living or low cost of living areas.
You just picked a city close to family or branched out to a new area. Were you drawn to the big city or not? Plain and simple.
Today, there are many tools at our disposal to try and figure out what is the best city to live in based on income, expenses, and the lifestyle that you desire.
In this post, you will see how to analyze what type of city you want to live in and see if it makes financial sense for you.
Why such the price difference between HCOL and LCOL?
In a low cost of living city, you can buy a house for $50,000. In contrast, a median home price in a high cost of living city can cost $1.5 million. This is a correlation between supply and demand in the market.
The more people who want to live in a certain area that has less available space will naturally drive up prices. Whereas most low cost of living areas, the supply is abundant since there is plenty of space to spread out and find your own neck of the woods for much less.
Here’s a quick comparison of HCOL vs LCOL vs MCOL.
New York City has the highest cost of living at 100, followed by Los Angeles and San Francisco. This graph highlights the difference in cost of living in these example cities.
HCOL Seattle, WA
MCOL Las Vegas, NV
LCOL Knoxville, TN
Cost of Living Index
85.57
69.33
63.26
2 Bed Apartment Rent
$2,724
$1,176
$788
Median Home Price
$826,200
$441,771
$256,188
Median Income
$92,263
$56,354
$33,229
Data from Nerdwallet, Census.Gov, and Numbeo
What is HCOL area Mean?
Simply put, HCOL means a high cost of living.
This type of acronym is to describe certain areas or cities where expenses that impact your budget the most, such as housing, food, and transportation, are more expensive than other areas.
When defining an HCOL area, it is a comparison of the cost of living based on other areas around other cities, states, and countries.
There is no hard line to define high cost of living since it is compared to the other cities.
Is it possible to live in a high cost of living area? Absolutely, it all depends on how you choose to live, the income you make, your lifestyle choices, and your savings percentage.
VHCOL are VERY high cost of living areas, such as Manhattan, Honolulu, San Francisco, Singapore, or Hong Kong.
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Pros and Cons of HCOL
Just because an area is labeled HCOL does not mean that you shouldn’t call the city home and stay away from these areas.
There are plenty of advantages and disadvantages of living in a high cost city.
There are always drawbacks to living in a high cost of living area and you have to decide whether or not what works for you.
In order to make a solid decision on where the best place is for you to live, you need to know this information.
Advantages of HCOL City
Job Market is Solid
First of all, in HCOL cities, the job market is stronger, there are more jobs available, and typically those jobs have a higher paying threshold than other areas.
That is why many companies are attracted to these areas because they know the talent pool of potential employees is much stronger in high cost of living area versus other areas where there are not as many skilled workers.
Income is Higher
Since companies know they must pay their employees a fair wage living in a high cost of living area, incomes are higher to support the increased expenses.
This helps those municipalities collect more taxes, which feed back into the system to provide more for their residents.
More Opportunities
More opportunities abound in a high cost of living cities.
Not only in the job market but there is access to public amenities and conveniences. Some examples include museums, sporting events, transit, best medical services, endless entertainment options, quality restaurants, high-end shopping, and quick access to international airports.
Even better, you can find free entertainment each and every day that does not cost a penny. Here is a list of 101 things to do with no money.
There are many benefits of living in a high cost of living area just because their opportunities are endless. You will always find something to do and there is always stuff going on.
Better Schools
Typically, in your high cost of living cities, that is where you will find the better schools. This is in direct correlation to the job market and skilled workers.
These skilled workers tend to have a higher instance of college graduates and they tend to want the best for their children. As a result, the schools tend to be much better than you would find in other areas.
Higher Chance of Home Equity
Another advantage of big cities is the variety of neighborhoods you can find in a bigger city. You can find the type of house you want to live in and the diversity you crave.
While home costs are much higher, there is also a greater chance of income increasing your home equity much faster than other areas.
For example, in Michigan, you could pay $100,000 for the exact same house in 5-10 years since appreciation will not happen at the same rate as other cities. Whereas, if you look at some of the hot markets, like Denver, Phoenix, or Austin, the home prices have been skyrocketing.
Thus, if you live in those quickly appreciating housing areas, there is a higher chance to increase the value of your house.
Disadvantages Of HCOL Cities
Higher Basic Cost of Living – Specifically Housing
First, housing costs can break the bank. It is the biggest expense for any household.
If you were unable to secure a salary to justify the housing cost, it makes it nearly impossible to be able to afford to live in a high cost of living area.
This is where you would have to get creative and look for housing subsidies or other means to stretch your housing budget.
Harder to Find Houses
Another con of a high cost of living areas is it is much harder to find housing! House and rent prices are higher, jobs are tougher to find where there’s opportunities abound, and you may feel like you are searching for a needle in a haystack.
You need to have the right opportunity to find the proper house for you. If you are looking at buying, you need things to line up properly and in your favor.
Stretch Yourself Too Far Financially
Since incomes tend to be much higher, many people find the urge to spend more discretionary income.
In many cases, this means that the average household may stretch themselves a little bit further by keeping up with the Joneses. They tend to spend more frivolously and not live as frugal.
This is a trap to be aware of if you are in a high cost of living area. You can be savvy with your money and save, but you have to be cognizant of how you spend your hard-earned salary.
HCOL Cities…
These are the HCOL areas. Do you need to avoid them? No, but going into those areas, you must realize the cost of living will be higher.
Here’s a list of all of the cities that are the top 20 cities that are high cost of living areas according to Kiplinger:
1.
Manhattan, New York
(145.7% above U.S. average)
2.
San Francisco, California
(94.7% above U.S. average)
3.
Honolulu, Hawaii
(97.6% above U.S. average)
4.
Brooklyn, New York
(80.5% above U.S. average)
5.
Washington, D.C.
(60.7% above U.S. average)
6.
Seattle, Washington
(56.7% above U.S. average)
7.
Oakland, California
(53.9% above U.S. average)
8.
Arlington, Virginia
(50.5% above U.S. average)
9.
Orange County, California
(50.2% above U.S. average)
10.
Boston, Massachusetts
(48.8% above U.S. average)
11.
Queens, New York
(47.8% above U.S. average)
12.
Los Angeles, California
(46.6% above U.S. average)
13.
Bethesda, Maryland
(45.5% above U.S. average)
14.
San Diego, California
(41.4% above U.S. average)
15.
Alexandria, Virginia
(40.0% above U.S. average)
16.
Stamford, Connecticut
(36.4% above U.S. average)
17.
Portland, Oregon
(34.3% above U.S. average)
18.
Fairbanks, Alaska
(27.9% above U.S. average)
19.
Bergen County & Passaic County, NJ
(26.6% above U.S. average)
20.
Anchorage, Alaska
(24.4% above U.S. average)
Source: Kiplinger
What Is LCOL Area Mean?
LCOL stands for lower cost of living.
These cities have a lower average cost of living versus the average.
Simply put…your ability to stretch your income goes much further in a low cost area compared to a high cost of living area. This is where you can get a bigger bang for your buck.
Pros and Cons of LCOL
The differences in the area where you can live can be vastly different. Thus, providing benefits or drawbacks of choosing to live there.
The cons are typically the reasons that most people want to stay away from these cities.
This is where personal preference tends to play the biggest reason for choosing one location over another.
Just like with a high cost of living area, you need to weigh the pros and cons of living somewhere where expenses are not quite as high.
Advantages of LCOL –
Slower Pace of Life
One of the biggest benefits is a slower pace of living in low cost of living area.
Life doesn’t move as fast.
There is more time to breathe, there is more time to step back and take a bigger picture. It is not go, go, go, go 24/7. Time to enjoy the fresh air and slower pace.
Cheaper Housing
This is why people choose to live in a low cost of living area. Period.
You are able to afford much more house for much less.
That right there, over the long term can make or break somebody financially.
Lower Taxes
Many of the lower cost of living cities also benefit from lower taxes as well. They have lower income taxes, and even possibly, lower property taxes. So, this is something to take into consideration when looking at a low cost of living area.
Check what the difference would be from where you’re currently at to where you are considering moving.
Remote Work
This is the bread and butter spot! When you can take in a higher pay and still live in a LCOL city.
After 2020, remote work is becoming more and more popular. In addition, it is an added benefit companies are including to attract skilled employees.
This is one scenario where you can get the best of both worlds.
Disadvantages Of LCOL Cities
Less Opportunities
First of all, there are fewer opportunities. There are fewer things to do, there are less things going on. The airport is a further drive away.
In a big city, you can always find events happening. It may not be the same in other cities. However, some cities have created programs to draw in residents with the big city feel like Bellefontaine, Ohio.
Income Potential is Lower
The job market doesn’t have the high-paying jobs that you would find in the bigger cities. The income potential in one of these cities does not compare.
Let’s face it… a good majority of your working years are about built around making an income. With a lower cost of living city, the income limitations can be cumbersome and it takes longer to be able to reach your financial goals.
LCOL States and Countries with LCOL
Geographic arbitrage can give you great value for your money.
Arbitrage is the spread of differing prices for the same thing like rent, food, or transportation.
This means you can save more money by living in LCOL state or spend less of your nest egg by living in a LCOL countries.
These are the areas you can find the lower cost of living. There are many LCOL cities to be found as well.
LCOL States:
1.
Mississippi
(84.10% of U.S. average)
2.
Kansas
(86.67% of U.S. average)
3.
Oklahoma
(88.09% of U.S. average)
4.
Alabama
(88.80% of U.S. average)
5.
Arkansas
(89.16% of U.S.average)
6.
Georgia
(89.30% of U.S. average)
7.
Tennessee
(89.49% of U.S. average)
8.
Missouri
(89.75% of U.S. average)
9.
Michigan
(90.54% of U.S. average)
10.
Indiana
(90.57% of U.S. average)
Source: US News
LCOL Countries:
Listed in alphabetical order because there are many to chose from based on your personal preferences.
The definition of MCOL is any area that just has an medium cost of living.
There is not one extreme or another. These cities are just plain average. Maybe slightly above or below the median cost of living.
This can be a sweet spot of reaching your financial goals while enjoying a higher quality of life.
Benefits of MCOL Area
As you can read on Reddit personal finance threads, there are plenty of reasons to live in an MCOL area.
Mostly because these types of cities you can get the best bang for your buck, and still have the pros of living in a high cost of living area, as well as the pros of living in a low cost of living area.
This is where the job market may be very stable with good wages but the cost of living is not going to cost you a fortune.
Also, you can find tons of cities that meet the criteria of a MCOL city.
Cost of Living Varies within Cities
Regardless of whether you choose, HCOL, LCOL, or MCOL areas, the cost of living will be dramatically different between these cities.
Whether you are looking at the downtown area, the outlying suburbs, or maybe even the cities that have popped up around near the main city.
Just because the city is HCOL or LCOL, there will be neighborhoods that will be the outliers to the main part of the city.
So, when you are looking at cost of living, you must know the things that are most important to you and what type of neighborhood that you would want to live in because they can be found.
That is what I call hidden gems.
It is possible to find a cheaper house in a low cost of living or high cost of living area, you just have to do your homework and know what you’re looking for.
Vice versa, it is very possible to find a neighborhood in a low cost of living area that is much higher than the surrounding areas.
How can I buy a house in a high cost of living?
It is possible to be a homeowner in a in a high cost of living area. You just have to be able to afford the down payment on the house to make being a homeowner justifiable, if possible.
Before you decide to buy a house, here are some factors you need to take into consideration..
1. Does it make sense?
First, you have to make sure that it makes logical sense to buy a house. Especially in a high cost of living area because the house prices may not match up to what the income that you are bringing in.
Will you still be able to reach your money goals by purchasing a house? Or will you be house poor?
2. Compare rent to potential mortgage
Will it be cheaper to rent? Or cheaper to have a mortgage?
To figure this out, take what the average rent is in your neighborhood. Then, use a mortgage calculator to figure out the maximum amount you can afford.
Since those calculators will leave you house poor. Decide what you are able to justify in spending on a mortgage and figure out what the mortgage payment is.
Is the mortgage payment less than average rent in the area?
For example, it may cost in a high cost of living area, like San Diego, it may cost $3,000 a month to rent a house. Whereas you might be able to buy a similar home in the same neighborhood and have your mortgage payment of $2,259.
Thus, making buying makes more financial sense than continuing to rent.
3. Expand your horizons
Another tip to afford your dream house – do not be set on that one specific neighborhood in a high cost of living area.
Many times you can find an up-and-coming neighborhood that is much less than the trendier and hip current neighborhoods that you want to live in.
Thus, you can typically save a good chunk of money. Plus in the long run, you greatly increase the potential for home equity.
4. New Homebuyer Programs
If this is the first time you are buying a house, then look into first-time homebuyer programs and grants. (Hint… this is like free money!)
There are many out there because cities want their residents to buy in their neighborhood and their cities because that means they are going to be there for a longer-term.
Also, there are programs for the military, teachers, nurses, single moms, minorities, graduate students. You just have to look.
5. Save for Down Payment
When you are looking at buying a house, this is the time to become serious about saving for a down payment.
You may have to find ways to save more money each month.
This could include things like downsizing your lifestyle to make it possible. Living with friends or family while you save up more money. Or just spending less for a certain period of time until you reach your downpayment goal.
6. House Hacking
The last step is one of the best ways to reach financial independence in a high cost of living city. Plus the concept works well in any city… house hack.
Find a multi-family housing property that you were able to buy. For example, plan to live on one side of the duplex and rent out the other. This will help you pay for your mortgage, by using the rent collected from your renters.
Thus, lowing your overall housing cost, which is your biggest expense.
Where Does Your Income Go the Furthest?
This is a comparison that you may be surprised by the outcome. Thus, proving why you need to do cost comparisons to see what financially makes the most sense when deciding to move from one to the other area.
comparison of income, expenses, taxes, and potential savings!!!!!!!!!!!
Once again, this is personal to your situation. So, take a moment and use the cost of living calculator yourself.
Paying taxes is one option to increase what you take home in each paycheck.
No Income States
These are the states that don’t pay state income taxes on wages:
Alaska
Florida
Nevada
New Hampshire
South Dakota
Tennessee
Texas
Washington
Wyoming
For most people, that is an instant decrease in overall taxes!
Higher Taxed States
Also, if you live in one of the higher taxed states, then you may want to reconsider moving to a lower cost of living area.
The higher taxes income tax states include:
California
Hawaii
New Jersey
Oregon
Minnesota
The District of Columbia
New York
Vermont
Iowa
Wisconsin
These states tax income somewhere between 7.65% – 13.3%.
Property Taxes
Property taxes vary from state to state.
In some states with large property taxes, it may even out with no income taxes. While other states, like Illinois, where property taxes are high and income taxes are above the national average as well.
Moving From HCOL to LCOL
The reason that most people move from HCOL to LCOL area is to save money. They want to decrease their expenses – that is the primary driver. Other times, it may be that they’re looking for a different type of lifestyle.
But as you can read on Reddit, everybody has a different personal experience.
It may have been beneficial and may have been bad timing. It may have been the best choice. It may have been the worst decision.
Make sure to factor in the costs associated with the move. Also, any ongoing expenses like travel if you are moving away from family.
How to Choose HCOL or LCOL?
Deciding where you live is one of the most personal decisions that you can make. Nobody can make it for you. You know what you want in life, how you want to live, and where you would feel more comfortable.
So, let’s look primarily at the financial side of making this decision of what is best.
1. Lifestyle You Desire
There are massive differences between HCOL and LCOL cities!! In big cities, life moves at a faster pace. While most cheaper cities areas move at a slower pace, so you have to make the decision of what type of lifestyle.
Do you want you want the big city? Do you want suburbia? Or do you prefer more of a country lifestyle?
When looking at this first factor, your answer should not include money. This is where your heart is. This is where your home. This is the life that you plan on living. This doesn’t include the financial sense.
This includes what makes your heart happy.
2. Your Money Goals
One of the things that discussed the most on this site is the 10 Money Bliss Steps to Financial Freedom. That is where most of our readers find their current money goal. And for good reason, you must build a strong foundation with money one step at a time.
In order to achieve long term financial success, the decision on housing is critical as it is the biggest expense in any budget. And that is can have the greatest impact on your budget!
On the flip side, the amount of income you are capable of making can also make the biggest impact on what you can afford to spend.
You must decide on your current money goal as well as the longer term money vision. Maybe you are looking at wanting to retire early? Love to live a slower life in the future?
It is possible to live in HCOL area where you are able to live extremely frugally and save more money. This is what my friend did over at Tuppennys FIREplace. For them, it was a smarter decision. On the flip side, maybe you are happier living a slower pace of life. Income is not the primary driver and you just want to enjoy life more.
At the end of the day, you must prioritize what you want, how your budget and your expenses correlate, and how your saving rate is impacted in various cities.
3. Season of Life
For those in their younger years may not understand this as much, but as you go through seasons of life, you will realize that you have different goals, objectives, and desires along the way.
When deciding where to live, your current season of life will probably have a very high impact on what you are looking for.
If you have young kids, you probably want to find a neighborhood where you have other families nearby that your kids can interact with.
If you are close to retirement, you may look decide to move out of the good school district because you do not need to pay the premium of living here. You may choose to move to a lower cost of living area, so you have the freedom to travel and help my kids and grandkids.
4. Potential Income & Career Opportunities
The greatest benefit of a high cost of living area is the income potential and the career opportunities. Both are much greater in the bigger cities than you would find in the smaller cities.
If your primary goal is increasing your income and advancing your career, then looking at high cost of living areas an absolute must. Plus you might be able to find something on the outskirts of expensive neighborhoods, that would make the most financial sense.
Then, living in HCOL is justified and necessary and the income can justify the higher costs associated.
On the flip side, there is plenty of income potential as a small business owner in a low cost of living area. You just have to know the market, what your skills are in, and what the needs are in your area.
4. Fixed Expenses
Fixed expenses can be dramatically different in each area.
Write out a list of your top fixed expenses and make sure to compare those as well.
For example, child care costs and tuition are going to be much more expensive in a big city than in the suburbs. Maybe in certain neighborhoods, a car would not be needed; thus, eliminating another big cost and associated maintenance.
While some fixed expenses seem meniscal, over time, they can add up significantly. Thus, helping or hurting your financial picture.
Unspoken Price Tag to Live Somewhere
As we covered in this post, there is a lot to consider when deciding between HCOL, LCOL, or MCOL areas.
It is a highly personal decision that you must take the time to make the best decision for you!
Not someone else, but for you.
One thing to watch out for when looking at where to live is what I call the “price tag” of a beautiful city.
Many times, employers know that the city that people want to live in their city for whatever reason. Thus, you will experience what I like to call the “income hit” to living there.
For example, Fort Collins, Boulder, and Austin are highly desirable areas for postgraduates to live in because they fall in love with the town and they want to stay here for the long term. Thus, employers know that this!
As a result, income for jobs maybe 10 to 15% less than they could make in any other type of market or city. So, that is something just to be aware of when wanting to stay in the city that they have grown to love.
In conclusion, when you’re looking at a high cost of living area versus a low cost of living area, there are two sides to the coin.
One – what makes financial sense. Two – your home is where your heart is.
Consequently, you have to make the decision on what makes sense for you.
While it makes financial sense to move to a lower cost city, at the same time, it may move you away from your family and your support system, and everything that you enjoy, and you may not be as happy in the long run.
Enjoy weighing the alternatives between all of the options available.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
So, you have only one day in Fort Worth to experience all this city has to offer – you’ve come to the right place! Whether you’re exploring the town for vacation or trying to decide on renting an apartment in Fort Worth or buying a home in Fort Worth, ApartmentGuide can help you plan the ideal day.
In this article, you’ll find a treasure trove of restaurants, activities, and parks handpicked by Fort Worth locals. Your task is to look through the list and select one item from each step to create your ideal itinerary. Feel free to choose more than one option if you wish! Think of this as a “Choose Your Own Adventure” for exploring a new city. The goal is for you to get a crash course in what it’s like to live in Fort Worth.
Step one:
Try a new experience
During your time in Fort Worth, make sure to take advantage of all the great experiences this city has to offer. See below for a myriad of experiences, from glass art classes to the oldest bookstore in Texas. Choose one or a few to explore during your stay.
SiNaCa Studios: “Escape the humdrum and head to SiNaCa Studios for some fun and excitement. You will have a blast with glass art classes at SiNaCa Studios. Whether you want to try glass blowing or flamework glass art, you will have a hot time at SiNaCa Studios.” – Clarissa M. of Romantic Spots Fort Worth.
Casa Mañana: “Casa Mañana is known for bringing captivating performances to life on stage. At Casa Mañana, you can enjoy a wide range of theatrical productions from Broadway favorites to family-friendly productions. From the moment you walk into the domed building, to the rise of the curtain to open the show, to the final applause, you will be fully immersed in the magic that is Casa Mañana.” – Clarissa M. of Romantic Spots Fort Worth.
Barber’s Bookstore: “Come visit the oldest bookstore in the state. We are one of the last independent bookstores in Tarrant County. We buy libraries and do appraisals.” – Brian Perkins, owner of Barber’s Bookstore and author of online stories.
Rooftop Cinema Club: “Enjoy a unique experience at Rooftop Cinema Club. You will have a scenic view of downtown Fort Worth at night while you enjoy a movie under the moonlight. The cinema provides personal headphones for each person, concessions where you buy drinks and classic movie snacks. Check out their website for exclusive screenings like Wooftop!, Singles Night, and movies that provide closed captions.” – Giselle Jimenez of Pax & Beneficia.
Tubman Gallery: “Visiting the newly opened Tubman Gallery to view beautiful art from local artists is a great way to connect with the east side of the city. The experience is unique, inviting, and inspiring.” – Black Coffee FW.
The Fort Worth Botanic Garden: “One of my favorite places to photograph couples is the Fort Worth Botanic Garden! The garden offers a variety of landscapes, from meticulously manicured lawns to wildflower-filled meadows and, my favorite, the Japanese garden. The landscapes there are especially beautiful in the fall and winter, bursting with warm and vibrant colors.” – Elizabeth Couch of Elizabeth Couch Photography.
Wanna try something else? Check out WhatsUpFortWorth.com: “If you are looking for something to do in Fort Worth, you just have to make one click to WhatsUpFortWorth.com. Whether it’s live music for the upcoming weekend, festivals in and around Fort Worth, or the live theater selections, WhatsUpFortWorth is your one-stop click for ‘what’s up’ in Fort Worth. Select the area of town and date, and you will know everything that is going on in Fort Worth.” – Greg Heitzman of WhatsUpFortWorth.com.
Step two:
Go on a scavenger hunt around town
If you’re looking for a unique experience, consider exploring the town through one of the scavenger hunts put on by DFW Scavenger Hunt. Travel on foot as your host sends you on a quest to solve a puzzle before time runs out. If you like escape rooms, this will be right up your alley, testing your wits while exposing you to the art, culture, and history of Fort Worth. DFW Scavenger Hunt has provided a few destinations to get you started. Visit them for more!
Butch Cassidy and the Sundance Kid: “Lawmen dreamed of nabbing Butch Cassidy and the Sundance Kid for years, but here in Fort Worth they’ve been truly captured, in bronze, along with the rest of the Wild Bunch. Visit the Flatiron Building to see this unique piece of art, and snap a selfie with the gang.” – DFW Scavenger Hunt.
Find the panthers: “A 19th-century insult hurled at the city claimed it was so quiet that a panther was spotted sleeping undisturbed on the streets. The city reclaimed the slight, and now panthers can be found throughout town, including at the Sleeping Panther Fountain in Hyde Park.” – DFW Scavenger Hunt.
Spot the knights: “Here’s a mini-scavenger hunt for you. See if you can find the knight guarding Sundance Square. Here’s a hint: the figure stands on a ledge a few stories up from Main Street in a full suit of armor, a symbol of a secret society that once called this building its home.” – DFW Scavenger Hunt.
Step three:
Enjoy the local food and coffee
If you’re kicking around the idea of renting a home in Fort Worth, make sure to try the local cuisine. Fort Worth does not disappoint, with everything from hip coffee shops to mouthwatering Mexican food.
Joe T Garcia’s: “Joe T Garcia’s serves up more than just delicious Mexican food and drinks. Joe T Garcia’s also serves up the most enchanting garden oasis vibes. You will feel like you’ve found a little piece of heaven while you dig into delicious enchiladas surrounded by lush greenery.” – Clarissa M. of Romantic Spots Fort Worth.
Dr. Sue’s Chocolates: “Dr. Sue’s Chocolates is a great local chocolatier crafting all natural chocolates that are perfect pairings with wine or for gift giving.” – Gina Graves of Messina Hof Winery.
Pax and Beneficia Coffee: “Enjoy a hot or iced coffee at Pax & Beneficia Coffee in the heart of downtown Fort Worth. Each coffee bean is roasted at their Grapevine HQ by their very own roaster, Joan Juan. They take pride in making the best quality of specialty coffee and handmade syrups used in each of their locations and drinks. You also have the option to take their packaged coffee and syrups for an at-home experience.” – Giselle Jimenez of Pax & Beneficia.
Carpenter’s Cafe: “Having the most flavorful chicken salad at Carpenter’s Cafe & Catering will satisfy anyone’s hunger, and call them back to do it all over again. They also have amazing Asian zing nachos and the best smoked turkey club sandwich.” – Black Coffee FW.
Black Coffee FW: “Stop by Black Coffee to start your day with the best latte, cappuccino, or drip coffee you can have in the city. Our staff is friendly and always ready to quench your caffeinated thirst.” – Black Coffee FW.
Step four:
Explore a different part of the city
Fort Worth is a city of rich history and culture. In fact, locals preferred to recommend exploring a specific part of the city in full before moving on. Below are different parts of Fort Worth that each present their own unique culture. Pick one and enjoy all it has to offer!
Take a stroll in the Cultural District: “One of our favorite days spent in Fort Worth is in the Cultural District, specifically strolling the Kimbell Art Museum and the Amon Carter Museum of American Art, both within walking distance to the hotel. Afterwards, you can pop in to The Circle Bar or the patio at Emilia’s at The Crescent Hotel Fort Worth for festive cocktails and dinner in the stunning atmosphere, and enjoy the impressive art program throughout the hotel along the way. After dinner, catch a concert or performance at Dickie’s Arena, less than a five-minute drive from the hotel.” – Lauren Lamp of The Crescent Hotel Fort Worth.
Explore South Main Street: “Beignets, breweries, and The Bearded Lady (It’s a restaurant): if you’re looking for an eclectic neighborhood to explore, ‘SoMa’ is it. You could spend a morning working from Roots Coffeehouse, grab Hawaiian food for lunch at the always-packed Coco Shrimp, finish the afternoon off with a few beers from HopFusion Ale Works and then grab dinner once the sun goes down at Funky Calavera, which has the best birria tacos in Ft. Worth. You might even be able to catch one of your favorite indie bands at Tulips FTW if you time it right!” – Justin Runyon of Runyon Coffee.
Discover Sundance Square: “I have a deep love for Fort Worth and its unique charm. Sundance Square in downtown Fort Worth screams COWTOWN! The architecture, light, and colors in the area are a recipe for success during any photoshoot! Elopements at the Tarrant County Courthouse are becoming very popular and are a joy to photograph. When you visit downtown Fort Worth, she’s right there in all her glory: The courthouse – a stunning pink granite building that’s a true work of art. Inside, it’s like stepping back in time, with ornate staircases, gold accents, and light that make everything feel romantic and magical. Getting hitched at the historic 1895 Tarrant County Courthouse is memorable and special.” – Elizabeth Couch of Elizabeth Couch Photography.
Walk along the Trinity River: “When the weather is nice (say, spring or fall), a stroll along the Trinity River is a fantastic way to get some exercise and enjoy this small river that runs all the way through Ft. Worth. One of my favorite things is to start or end the day at restaurants along the river, like Press Cafe or Woodshed Smokehouse. If you’re a long-distance runner, there’s no better place to train as the trail is around 18 miles long from start to finish!” – Justin Runyon of Runyon Coffee.
Head North for a touch of nature: “As the owner of a portrait studio in North Fort Worth for the past 15 years, I can genuinely say that I love this vibrant community. Nestled in an area rich with scenic beauty and bustling with activity, North Fort Worth has provided the perfect backdrop for my work as a photographer. From the picturesque state parks to the charming downtown area and the iconic Stockyards, I have found endless inspiration for portrait sessions that truly capture the essence of this wonderful region.” – Jennifer Braly of Braly Studios.
Step five:
Grab a drink and reflect
Now that you’ve spent time exploring Fort Worth, it’s time to end the day with a drink and some time to reflect. What did you like about the city? What did you not like? Could you see yourself renting a house in Fort Worth or even buying a home in nearby Dallas?
Atlas Fort Worth: “Get ready for a trip around the world at Atlas. Atlas is a sophisticated, Edgar Allan Poe-inspired, cocktail bar with sophisticated decor, low lighting, and a refined ambiance. At Atlas, you can enjoy great cocktails inspired by a variety of global cultures.” – Clarissa M. of Romantic Spots Fort Worth.
Free Play: “Free Play is the place to be for fun and nostalgia. This epic arcade bar with a huge selection of classic arcade games and pinball machines that provide endless entertainment. Whether you are a Pac-Man fan or Street Fighter is more your vibe, you can enjoy unlimited play on a variety of your favorite retro games while enjoying a craft cocktail or beer.” – Clarissa M. of Romantic Spots Fort Worth.
Messina Hof Grapevine Winery: “We are an urban winery featuring multiple tasting areas with over 40 different wines, premium flights, wine on tap, and delectable small plates. Take in the sunshine as you sip and savor on the patio or balcony and enjoy the view of downtown Main Street. Messina Hof is the most awarded winery in Texas with over 45 years of winemaking experience and is committed to old-world hospitality.” – Gina Graves of Messina Hof Winery.
Martin House Brewing Company and TopGolf: “Nobody puts on a party quite like Martin House. Bring your favorite folding chair and sit alongside the Trinity River while enjoying one of their many, many events throughout the year. After enjoying a few beers for less than $20 and filling up on their food truck offerings, traipse over to TopGolf across the river and tee off for a few hours. You’ll get an action-packed evening with great views of downtown Ft. Worth.” – Justin Runyon of Runyon Coffee.
The San José Mineta International Airport is located in San Jose, California, in the middle of Silicon Valley. If you find yourself traveling into or out of this airport, you may be wondering if there are any lounges in which to relax and avoid the crowds.
There are currently three lounges from which to choose. Below, we’ll dive into all you need to know about the lounges at the San Jose airport.
About San Jose airport lounges
The San Jose airport doesn’t have any airline-affiliated lounges. There are two lounges open to travelers regardless of which airline they’re flying, while the other is accessible only by active U.S. military members.
🤓Nerdy Tip
The San Jose airport has two terminals (A and B), and while there are currently no lounges in Terminal B, you can easily walk between the two.
The Clubs at SJC (Gate A8 and A15)
The San Jose airport offers two lounges, both dubbed The Club SJC: one near Gate A8 and one at Gate A15.
Both offer free snacks and beverages (including soft drinks, beer, wine and liquor), showers, flat-screen televisions with Direct TV and complimentary Wi-Fi.
The Club lounges are open to Priority Pass members and travelers who purchase a day pass at least six hours before their scheduled flight.
While the exact food and drink options can change seasonally, below is an example of what’s currently available:
Breakfast (served until 11 a.m.). Cheesy scrambled eggs with mascarpone, orange ricotta toast, yogurt parfaits, fruit and cereal.
All Day Dining (served after 11 a.m.). Sweet and sour meatballs with rice, smoked turkey, avocado and cheddar slider, masala chickpea rice bowl, trail mix, and chocolate brownies.
Drinks. Specialty cocktails, vodka, whiskey and other hard liquors, red and white wines, beer, and non-alcoholic beverages.
USO Lounge (Between Terminals A and B) – Military only
Located curbside between Terminal A and Terminal B (access from the street-level sidewalk behind the U.S. and California flags).
Offers free snacks and beverages, complimentary Wi-Fi, charging stations, books and a large-screen television.
Access to the lounge is only available to active U.S. military on a pre-arranged basis.
Credit cards with Priority Pass
If you have the right card in your wallet, you will get access to Priority Pass lounges without having to pay out-of-pocket for a membership or a day pass.
Best Priority Pass cards
Chase Sapphire Reserve®
on Chase’s website
Capital One Venture X Rewards Credit Card
The Platinum Card® from American Express
Annual fee
Priority Pass benefits
• Full Priority Pass Select membership.
• Includes two guests per visit.
• Full Priority Pass Select membership.
• No limit on the number of guests allowed.
• No restaurants.
• Full Priority Pass Select membership.
• Includes two guests per visit.
• No restaurants.
Enrollment required. Terms apply.
Learn more
Lounges at the San Jose airport recapped
While the San Jose airport lacks an airline-affiliated lounge, it offers three lounges to travelers — two of which are accessible to Priority Pass members.
If you aren’t a Priority Pass member, you can pay $50 per person for access to either The Club SJC (Gate 8) or The Club SJC (Gate 15), though AAA members will receive a discount.
Active U.S. military members may also access the San Jose airport’s Military Lounge, provided they email the airport in advance to arrange their visit.
To view rates and fees of The Platinum Card® from American Express, see this page.
Ascend Hotel Collection is part of the Choice Hotels International family and represents a series of boutique and luxury hotels, the top tier of the Choice brand.
Those who collect Choice Privileges points may find that these hotels are often an ideal choice when making a redemption since they have a higher profile than other hotels in the Choice portfolio.
If you are looking for a top hotel in the Ascend Collection, there are several options worth exploring.
What is the Ascend Collection?
Ascend Collection hotels deliver the same brand promise as other Choice hotels properties but offer a one-of-a-kind experience.
🤓Nerdy Tip
This soft brand resembles what other hotel companies have, such as Curio Collection by Hilton or The Luxury Collection (Marriott). The Ascend Collection is the top brand within the Choice Privileges program.
How to book Ascend Hotel Collection properties
Choice Privileges doesn’t allow points redemption more than 100 days in advance, so if you are a procrastinator, this program is for you! Unfortunately, Choice does not make it easy to find Ascend Hotel locations, but if you do an online search for your preferred city, the results include the Ascend Hotel Collection logo in the top left corner.
The cost in points varies by property and day, so you will want to check how many points you need on any given night. They range from as few as 6,000 points for a redemption night all the way up to 35,000 points for a standard hotel or as many as 100,000 for an all-inclusive hotel.
Here are some Ascend Hotel Collection locations worth visiting, whether you are planning to redeem points or earn them to redeem on a future stay.
Popular Ascend Collection hotels
With nearly 250 hotels in the soft brand, these Ascend Collection hotels in cities around the world are especially noteworthy.
If you’re looking for a boutique option that offers something local and unique, look no further than these Ascend properties. They are in various countries, such as Australia, Canada, Norway, Turkey, Spain, Sweden and the United Kingdom. Many of them are historic rebuilds.
Hotel Aquarius Venice, Italy
(Photo courtesy of Hotel Aquarius Venice)
The Hotel Aquarius Venice is in the Santa Croce district, which means it is convenient to the train station, about halfway between it and the Rialto Bridge.
Walking through the winding streets of Venice is a favorite pastime of tourists for people-watching and a little exercise. For those who want to arrive at the hotel by boat, it has an entryway to the canal through a small garden door.
Emotions All Inclusive Juan Dolio, Dominican Republic
(Photo courtesy of Choice Hotels)
If you want a Caribbean getaway with all-inclusive meals and drinks, Emotions All Inclusive Juan Dolio has a beachfront location and plenty to enjoy by the water.
There are three outdoor pools, including one in an adults-only area for more peace and quiet. The resort has seven restaurants and a stretch of private beach, providing a vacation getaway that packs in the value.
K Bar S Lodge, Keystone, South Dakota
(Photo courtesy of Choice Hotels)
Within view of Mount Rushmore, the K Bar S Lodge is a short drive from the national memorial. In the gardens, deer and other animals roam past.
Guests can enjoy complimentary breakfast each morning. Other amenities include free parking, an outdoor patio, a whirlpool, and furnished balconies in the rooms.
The Pine Lodge on Whitefish River, Montana
(Photo courtesy of Choice Hotels)
In Whitefish, Montana, The Pine Lodge is an ideal spot for those who want to spend time in the great outdoors.
The hotel is close to Whitefish Lake and the Whitefish Mountain Resort and also has a free shuttle to take guests to and from the airport or train station. Complimentary breakfast is also included.
The Giacomo Hotel, Niagara Falls, New York
(Photo courtesy of Choice Hotels)
The Giacomo is a towering hotel within close proximity to Niagara Falls. It provides restored history, with the building listed on the National Register of Historic Places.
From the front door, guests can walk to the Cave of the Winds, the Maid of the Mist boat tour, and nearby dining.
Hotel Blake, Chicago
(Photo courtesy of Hotel Blake)
Close to Grant Park and Millennium Park and in the Morton Building, Hotel Blake is on the National Register of Historic Places. This hotel is a great option for those who want to be close to tourist hot spots like the Art Institute of Chicago, Navy Pier and Lincoln Park Zoo.
With so many hotels in Chicago, it’s nice to redeem points for a hotel with local history and character.
Blue Angel Hotel NYC, New York
(Photo courtesy of Choice Hotels)
In the heart of Manhattan, Blue Angel Hotel NYC has a lovely al fresco terrace overlooking the city from the seventh floor.
Guests at this boutique hotel also receive a selection of drinks and snacks and a free pass to a nearby health club to use during their stay.
Earn Choice Hotels points quickly
Choice Privileges points can generally be redeemed for a night at a Choice hotel for between 6,000 and 35,000 points, but before you start using your Choice Privileges points, you have to earn them. Beyond qualifying hotel stays, another way to amass a large number of points is to earn a sign-up bonus from a Choice Hotels credit card.
Here’s how the company’s two co-branded cards compare.
How the cards compare
Choice Privileges® Select Mastercard®
Choice Privileges® Mastercard®
Annual Fee
Sign-Up Bonus
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 rewards nights at select Choice Hotels® properties..
Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months – enough to redeem for up to 5 rewards nights at select Choice Hotels® properties..
Still not sure?
If you seek more flexibility in redeeming miles for hotel stays, consider applying for a more general travel credit card instead. A more general travel credit card differs from a hotel card in that you can book lodging at multiple hotel chains, rather than reaping the benefits of staying loyal to a single brand.
The more high-end the travel credit card, the more benefits you can enjoy, including airport lounge access or automatic elite status in certain programs. That said, a brand-specific hotel card can net benefits like late check-out or free breakfast, which can have meaningful dollar value.
Choice Privileges’ soft brand, Ascend Hotel Collection
These one-of-a-kind boutique hotels allow Choice Privileges members to earn and redeem points at independent hotels that prove unique to their area. Each hotel has its own character and amenities, but for those looking for a hotel with its own style and substance, Ascend Hotels are a perfect fit.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for: