Your home is your sanctuary, a reflection of your personality, preferences, and lifestyle. “Discovering your ideal interior design style is a personal journey that can significantly enhance your living environment,” shares Deziner Tonie of Decorating Den Interiors. “By understanding different styles, navigating trends wisely, and identifying timeless pieces, you can create a home that is not only beautiful but also uniquely yours. Let your preferences guide you, and don’t be afraid to mix and match elements to reflect your individuality.”
Whether you’re drawn to the cozy charm of a cottage-style apartment in Montauk, NY, the breezy vibes of a coastal décor house for rent in Portland, Maine, the classic elegance of a traditionally designed house in San Antonio, TX, or the clean lines of minimalism, finding the style that resonates with you is key to creating a space you’ll love. This Rent. guide will teach you how to find your decorating style through expert tips, suggestions, and recommendations.
1. Understanding popular interior design styles
Before diving into the discovery process, it’s helpful to familiarize yourself with some popular interior design styles:
Traditional: This style is timeless and elegant, featuring classic furniture, rich wood tones, and sophisticated textiles like silk and velvet. Traditional design often includes ornate details, such as crown molding, and a color palette of deep, warm hues. Furniture is often arranged symmetrically, creating a balanced and harmonious look.
Minimalism: Focused on simplicity and functionality, minimalism embraces clean lines, neutral color schemes, and a clutter-free environment. The mantra “less is more” is central to this style, with a focus on quality over quantity. Minimalist spaces often use a monochromatic palette and emphasize open, light-filled spaces.
Modern: Modern design is characterized by clean lines, sleek surfaces, and a neutral color palette with bold accent colors. It emphasizes function and avoids excessive ornamentation. Modern spaces often feature materials like glass, steel, and concrete, and furniture pieces that are both stylish and practical.
Industrial: Drawing inspiration from warehouses and urban lofts, industrial style features raw, unfinished elements like exposed brick, metal beams, and concrete floors. The color palette is typically neutral, with shades of gray, black, and brown. Furniture and décor often have a rugged, utilitarian feel, and vintage or repurposed items are common.
Bohemian: Also known as “boho,” this style is eclectic and free-spirited, characterized by a mix of colors, patterns, and textures. Bohemian spaces often include items from around the world, such as textiles, rugs, and furniture with a handmade or artisanal feel. Plants, macramé, and a variety of throw pillows and blankets add to the layered, cozy aesthetic.
Scandinavian: Originating from Nordic countries, Scandinavian design is known for its simplicity, functionality, and connection to nature. It features light, airy spaces with a predominantly white color palette, accented by natural materials like wood and leather. Clean lines, minimal ornamentation, and an emphasis on natural light are key aspects of this style.
Mid-century modern: This style, which originated in the mid-20th century, is characterized by clean lines, organic curves, and a focus on functionality. Furniture pieces often feature tapered legs and a mix of traditional and non-traditional materials. The color palette includes earthy tones and bold, saturated hues.
Modern Western: “Modern Western decor blends the rustic charm of traditional Western style with sleek, contemporary design elements,” Teri James with Teri James Photography shares. “This aesthetic often features natural materials like wood and leather, combined with more contemporary accents. Western wall decor, such as framed prints or canvas artworks of vast landscapes, horses, or cowboy-themed art, plays a crucial role in bringing the theme to life,” James shares. Key pieces might include a statement leather sofa, a reclaimed wood coffee table, and wall art inspired by the rugged people, animals, and landscapes of the West. By combining old and new, modern Western decor creates a warm, inviting space that feels both timeless and fresh.
Farmhouse: Farmhouse style combines rustic charm with modern comforts. It features distressed wood, shiplap walls, and vintage accessories. The color palette is often neutral, with whites, creams, and soft pastels. Chrissy Evancheck, with Countryside Home Decor, recommends decorating uniquely in this style. “Mix vintage with modern by blending rustic farmhouse pieces with contemporary decor for a cozy vibe,” Evancheck suggests. “Soften your decor with plush pillows and blankets in neutral tones. Have fun exploring and trying out these simple tips for adding a little farmhouse decor to your favorite spaces.”
Art Deco: Originating in the 1920s and ’30s, Art Deco is known for its bold geometric patterns, luxurious materials, and rich colors. This style often includes elements like mirrored surfaces, chrome accents, and exotic woods. Art Deco spaces are glamorous and sophisticated, with a strong sense of drama and opulence.
Eclectic: Eclectic style is all about mixing and matching different styles, periods, and influences to create a unique, personalized space. It allows for a high degree of creativity and self-expression, combining various colors, patterns, and textures in a harmonious way. The key is to balance diverse elements to avoid a chaotic look.
Understanding these popular interior design styles provides a foundation for discovering which elements resonate with you. As you explore, you’ll find that you might be drawn to a single style or prefer a combination of several, creating a space that truly reflects your individuality.
2. Reduce limitations by avoiding overthinking
“Consider your space style, which is influenced by location, culture, and lifestyle,” notes Dundee Deco. “Five styles to think about are rustic (farmhouse-inspired), French/European, Asian (including Japandi and minimalism), coastal (beach-inspired), and chic (feminine, usually amplified to glam). Choose what fits your lifestyle, mood, or personality.” Using this as a guideline, you can easily mix and match styles. “Combine your time and space styles to create unique blends like modern farmhouse or rustic vintage. Space styles can mix too, resulting in designs like coastal chic or Asian glam,” Dundee Deco suggests.
Starting with a blank canvas is a good place to begin if you’re overthinking what style suits you. “Create a neutral canvas, allowing you to explore bold colors, vintage finds, or minimalist touches – the choice is yours,” recommends Mouna Menebhi of The Boho Lab. “You can explore and personalize your space without sacrificing the environment, by ethically sourcing handmade furniture while adding character and story to your space.”
3. Don’t be afraid to mix styles
Discovering your design style with Katherine Mueller Design is all about embracing your uniqueness. “Katherine loves to mix styles because she believes every client is unique, and their spaces should reflect that individuality,” Bridget Caldaza with Katherine Mueller Design shares. “Start by identifying what you love — colors, patterns, textures — and how they make you feel. Experiment with different design elements to see what resonates with you and makes your space feel like home. Ultimately, your design style should be a reflection of who you are.”
Spouse-ly echoes this sentiment, encouraging following your preferences.”When it comes to discovering your design style, don’t limit yourself,” shares Spouse-ly. “Combine 2-3 traditional styles to create your own unique look. For example, have you heard of the style coastal luxe or transitional farmhouse? Probably not too often because they are inspired by different colors, decor, and textures that make up their own vibe. Don’t forget to add pops of handmade decor to truly make your space one-of-a-kind.” Mixing and matching styles is a great way to expand your design horizons while determining what your preferences are.”
4. Reflect on your personality and preferences
Consider your lifestyle, interests, and daily routines. Are you someone who thrives in a structured environment, or do you prefer a more relaxed, carefree atmosphere? Do you enjoy being surrounded by keepsakes and mementos, or do you feel more at peace in a space free of excess items?
“Discovering your interior design style begins with exploring your preferences and inspirations. Start by collecting images, colors, and textures that catch your eye, creating a mood board for visual reference,” Dawn Bremer of The Bremer Team shares. “Pay attention to your lifestyle needs, ensuring the design is both functional and aesthetically pleasing. Experiment with different styles and elements in small areas of your home to see what resonates,” Bremer shares. Reflecting on these questions can help you identify the elements of a design style that align with your personality.
Alex Solonsky, Founder of Artificial Paintings recommends considering spaces that make you feel at home in your decorating process. “To find your design style, start by reflecting on your favorite spaces — be it a cozy cottage, a sleek modern loft, or a charming coastal retreat, Pay attention to what elements make you feel at home,” Solonsky recommends. “Don’t be afraid to incorporate unique pieces that tell your personal story. Trends come and go, but a space that resonates with your personality will always feel timeless,” Solonsky adds.
4. Explore inspiration
Gather inspiration from various sources to see what resonates with you. “In order to identify your interior design style, thoughtfully consider what you’re drawn to in movies, TV shows, and magazines — vintage or modern, eclectic or classic,” Connie Strazzeri, Digital Marketing Manager for Vogt, shares. “From Architectural Digest house tours to Nancy Meyers movies, aesthetic inspiration abounds online, and you can hone in on your specific taste by Pinteresting images that correspond with your source of inspiration.”
Magazines and books: Design magazines and books are treasure troves of ideas and visuals. Tear out or bookmark pages that catch your eye.
Online platforms: Websites like Pinterest, Instagram, and Houzz are excellent for discovering and saving design ideas. Create boards or collections of spaces that you love.
Moodboard: “To find your design style, start by creating a mood board with images, colors, and textures that you naturally gravitate towards,” Sandy with Home By Keira recommends. “Experiment with different styles by incorporating elements you love into your space and see what resonates with you and not ‘trends’. Trust your instincts — your personal style should reflect who you are and what makes you feel at home,” Sandy concludes.”Once you’ve created a mood board, it’s helpful to turn to the experts, like our in-house team at Vogt, to help you bring your vision to life,” Strazzeri recommends.
Showrooms and stores: Visiting furniture showrooms and home décor stores can give you a tangible sense of different styles. Pay attention to what draws you in and feels right.
Your closet: “Finding your unique decorating style is important so that you can create a home that reflects you. I like to recommend that you start by looking into your closet and taking note of what clothes and accessories you usually would wear,” suggests Rachel Beeman. “By doing this, you can get a good hint from your wearable style and translate that into what you might like in your home. For instance, love wearing bold and colorful? Then chances are you might love that style in your home as well.”
5. Identify timeless pieces
While trends can be fun to incorporate, timeless pieces form the foundation of a lasting interior design. “Rather than following trends, buy items you love and then find a place for them,” Pamela Wingard suggests. “Then use them, whether eating dinner on your wedding china or displaying your favorite collection on a bookshelf. Then donate items in your home that you don’t really love or pass them along to a family member (That’s probably how you got them anyway),” Wingard notes. “Curating what you already have will give you a fresh perspective on what you really like and help you determine your design style.”
Your style, your sanctuary
Discovering your interior design style is a rewarding process that allows you to create a space that truly feels like home. “Choosing your own interior style is all about experimenting until your home feels uniquely yours — a place where you can relax and thrive,” Teresa with Mindful Cements reminds us. “Go for elements that you gravitate towards and bring extra uniqueness to your space, such as geometric prints, furry rugs, or warm-cherry wooden furniture. Creating your own space should reflect your personality and lifestyle, so experiment with colors, textures, and scents until it feels just right,” Teresa concludes.
By exploring different styles, reflecting on your personality and preferences, and incorporating timeless pieces and personal touches, you can design a space that not only looks great but also feels uniquely yours. Happy decorating!
Wesley Masters works on Redfin’s stellar Content Marketing team as a content writing specialist. She has been with Rent. since 2023 and her previous experiences include non-profit communications, graphic design, and content creation. Wesley lives in Atlanta, GA, and loves outdoor walks, hanging out with her loved ones, and finding new recipes to try on Pinterest. Her ideal home is a brownstone with contemporary interiors.
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New doctors with a lot of student loan debt and no savings can have trouble qualifying for a conventional mortgage.
Physician mortgage loans provide an alternative that overlooks these factors.
These specialty home loans are available from many, but not all, traditional lenders.
You might think having a medical degree makes getting a home loan a snap. Not necessarily. Traditional home loans penalize you for having a high debt-to-income ratio, something medical professionals, especially recent graduates, typically have because of student loans. Other negatives for physicians include little to no savings, and in many cases, no permanent job yet.
On the other hand, doctors are among the most financially stable professionals in the workplace. Once established, they tend to have higher incomes, less overall debt, and, importantly, very low default rates when it comes to home loans. Realizing this, banks and other mortgage lenders have come up with a special type of loan tailored to medical professionals called a physician mortgage loan, or doctor loan.
What are physician mortgage loans?
A physician mortgage loan is a specialized loan offered only to medical and certain other professionals. They essentially ignore high student loan debt and low or no savings, especially early in the borrower’s career.
The reason these negatives are temporarily overlooked is because doctors and other professionals typically become high net-worth individuals, with little debt, substantial savings, and very rarely lose their homes to foreclosure.
Benefits of physician mortgage loans
Physician mortgage loans can do a lot for helping medical professionals hoping to buy a home. They come with:
Low down payment requirements
With a physician mortgage, you can buy a home with as little as no money down. This may allow you to borrow more and afford a higher-priced house without worrying about a big down payment. It can also help you buy a home sooner if you have little in savings.
No private mortgage insurance (PMI)
Private mortgage insurance (PMI) is typically required if you make a down payment of 20% or less, but that’s not the case with physician loans. According to Freddie Mac, this typically adds anywhere from $30 to $70 to your monthly payment for every $100,000 you borrow.
Flexible debt-to-income ratios
Physician loans typically require a debt-to-income ratio of 45% or less, which is higher than some other loan programs. It also won’t take student loans into account when calculating this number (more on this below).
Special consideration for student loans
Another feature of physician mortgages is that they typically ignore the total owed on student loans and only consider the amount of the mortgage’s monthly payment when looking at your debts. This can be helpful for physicians, who often have to take out very large loans to pay for their advanced education.
Physician mortgage eligibility requirements
Although the name suggests these loans are only available to doctors, many lenders offer the same loans to other high-income professionals. Eligibility for physician mortgage loans typically extends to:
Dentists
Podiatrists
Veterinarians
Optometrists
Accountants
Attorneys
Certified registered nurse anesthetists (although there are other home loans for nurses, too)
Advanced practice clinicians
Beyond being in one of these professionals you’ll also need to:
Have your income and employment verified
A signed employment contract is often accepted as proof of income, as long as it indicates the amount of your current or expected future salary. Most traditional borrowers have to supply pay stubs or two years of tax returns. You’ll also need proof of your medical or other degree.
Meet credit score requirements
While physician mortgage loan requirements tend to be more flexible than other loan programs, that’s not the case when it comes to credit scores. Though the exact number varies by lender, you’ll usually need a credit score of 700 or higher to get a physician mortgage. This is higher than most other loan programs (FHA loans allow down to 500 credit scores in some cases).
How to apply for a physician mortgage loan
If you’re a medical professional, a physician mortgage might help you buy a home. Follow these steps if you’re interested in applying for a physician mortgage loan:
Find lenders specializing in physician loans
Many banks and traditional lenders offer physician mortgage loans. Wrenne Financial Planning has compiled one list of such lenders, but the easiest way to find out is to call or visit the website of lenders in your area to determine if they offer this product.
Required documentation
You usually won’t need as much documentation with a physician mortgage as you would with another kind of loan. You won’t need tax returns or W-2s, but instead, a signed employment contract indicating your current and future income, proof of your degree, and student loan statements showing you’re current on your payments.
Application process
Once you find a lender, you’ll fill out their application, agree to a credit check, and submit the required documents. Once your loan moves through underwriting, you will pay your closing costs and sign your loan documents.
Closing costs typically include lender fees, attorney fees, title insurance, and taxes, and they average about 3% of the mortgage amount.
Comparing physician mortgage loans with conventional loans
Physician mortgage loans are structured similarly to conventional loans but are much more accommodating to doctors and other high-income individuals given their uncommon financial circumstances. For that reason, most of the accommodations have to do with getting approved.
Here’s a look at how physician mortgage loans vs. conventional loans measure up:
Key differences
Physician mortgages often require no down payment, and they come with no PMI either. With conventional loans, you’ll owe PMI if you make a down payment of less than 20%.
You’ll also need lots more documentation with conventional loans, including W-2s, tax returns, pay stubs, bank statements, and more. On the bright side, you may be allowed to have a lower credit score and still qualify.
Physician loans also treat student loans differently, often excluding them from your total debt-to-income ratio. This can make it easier for medical professionals to qualify, despite high student loan balances.
Pros and cons
We’ve already touched on the benefits of physician mortgage loans, but there are drawbacks to weigh, too.
First, consider the advantage of putting no money down versus the downside. Not only can this put you at risk of buying more house than you can afford, it can also immediately put you “underwater,” meaning you owe more on your home than you could get if you sold it.
Additionally, an average credit score requirement of 700 may preclude you from the home of your dreams before the amount of the down payment even comes up. Another factor that is often overlooked is that most physician mortgage loans usually have an adjustable interest rate instead of a fixed rate.
Physician mortgage FAQs
A physician mortgage loan is a special type of mortgage designed for doctors and medical professionals. They often have low (or no) down payment requirements, no PMI, and exclude student loans from debt-to-income ratio calculations. This can make it easier for doctors to qualify for a mortgage.
Medical doctors, dentists, and other healthcare professionals with an MD, DO, DDS, or DMD degree are usually eligible for physician mortgages.
Low down payments, no PMI, flexible debt-to-income ratios, and special consideration of student loan debt are just a few of the benefits of physician mortgage loans for doctors.
You’ll need to look for lenders specializing in physician mortgage loans, as not all companies offer these. They can guide you through the application process and required documentation.
Physician mortgage loans often have more favorable terms for doctors, but may have higher interest rates compared to conventional loans. They also may require higher credit scores.
Jim Probasco
Aly J. Yale
Aly J. Yale is a writer and editor with more than 10 years of experience covering personal finance topics including mortgages and real estate. She contributes to Personal Finance Insider’s mortgages and loans coverage.ExperienceAly began her journalism career as reporter, and later an editor, for several neighborhood sections of the Dallas Morning News.Her work has been published in several national publications, including Bankrate, CBS, Forbes, Fortune, Money, Newsweek, US News and World Report, the Wall Street Journal, and Yahoo Finance. She’s also contributed to a variety of mortgage and real-estate publications, such as The Balance, Builder Magazine, Housingwire, MReport, and The Mortgage Reports. Her favorite personal finance tip is to schedule regular check-ins to make sure your credit cards, savings accounts, and other financial vehicles still align with your budget and financial goals. She is a member of the National Association of Real Estate Editors (NAREE).ExpertiseAly’s areas of personal finance expertise include:
Mortgages
Loans
Real estate
Insurance
EducationAly is a graduate of Texas Christian University, where she received a bachelor’s degree in radio/TV/film and news-editorial journalism.
Do you want or need to learn how to get free diapers? Diapers are one of the biggest expenses for parents, and they can last for years! The average child can go through over 5,000 diapers, so that is a lot of money. Finding ways to get free diapers can help you save money and…
Do you want or need to learn how to get free diapers?
Diapers are one of the biggest expenses for parents, and they can last for years! The average child can go through over 5,000 diapers, so that is a lot of money. Finding ways to get free diapers can help you save money and make sure your baby always has what they need. There are many options available that can make this possible.
By exploring different programs and resources, you can find free diapers for your baby. From diaper banks to local giveaways, many organizations are ready to help. It’s important to know where to look and what’s available to you so that you can save money and get more free things.
Related content:
Best Ways To Get Free Diapers
Below are the best ways to get free diapers:
1. Ask in a Buy Nothing group on Facebook
One great way to get free diapers is to ask in a Buy Nothing group on Facebook. Buy Nothing groups are local groups where people give away items they no longer need.
Join a group in your area and make a post saying you need diapers. Many parents have extra diapers their baby outgrew and would love to give them to someone who needs them. Make sure to mention the size of diapers you need because this helps others see if they have what you’re looking for. And don’t forget to check the group’s rules before posting.
Or, you can also wait to see if anyone shares that they are giving away diapers too. Many kids outgrow their diaper size or become potty-trained and no longer need diapers. I see free diapers being given away in my local Buy Nothing group all the time.
It’s that simple! These groups can be very helpful and you may find other baby items, too (like free baby clothes and toys).
2. Join rewards programs
Many diaper companies have rewards programs that can help you get free diapers.
Pampers has a rewards program called Pampers Club. By using their app, you can scan your receipts and get points for each purchase. These points can be redeemed for free diapers, baby food, toys, and more. For example, you get $0.20 Pampers Cash for every diaper code you enter and $0.05 Pampers Cash for every wipes code you enter.
Huggies also has a loyalty program. You can earn points when you buy Huggies diapers or wipes. Just take a photo of your receipt using their app, and these points can then be exchanged for free diapers and other baby items.
Other major diaper companies, like The Honest Company and Seventh Generation, also have a rewards program for purchasing their products. Signing up is usually free and can save you lots of money.
Rewards programs might also send you free samples of diapers and discounts, which can be nice to get.
I do want to mention that diaper rewards programs can take a long time to earn enough points for free diapers. So, I wouldn’t look at this method to be your only way to get free diapers – instead, it’s simply a way to save a little bit of money on diapers.
3. Sign up for diaper coupons
Getting free diapers can be as simple as signing up for diaper coupons. Many diaper companies, like Pampers, have special promotions and deals for joining their mailing lists or clubs, and you can get coupons sent right to your inbox.
Having these coupons can cut down on the cost of diapers. Some companies even give free samples along with their coupons.
To get started with this, simply go to your favorite diaper brands’ websites and look for any sign-up options.
Related to this: Don’t forget to browse coupon websites. They sometimes collect deals and coupons from various diaper and baby brands in one place, so that you can see who currently has the best diaper deals. This makes it easier for you to find what you need without having to visit multiple websites.
4. Use cash back apps
Cash back apps can help you save money on diapers. These apps give you a percentage of your money back on purchases. Apps like Ibotta, Rakuten, and Fetch Rewards tend to have deals on baby products. You can use these apps to buy diapers and earn money back.
For example, I just logged into my Ibotta account to see what diaper deals they currently have. These are constantly changing, but right now you can get $6.00 on Huggies, $3.00 back on Luvs Diapers, $3.00 back on Pampers Swaddlers, $2.00 back on baby wipes, and more.
Fetch Rewards currently has diaper deals too, such as earning 2,000 points for buying Luvs Diapers.
These diaper deals are easy to get. First, download the app and create an account. Then, browse the deals for diapers. When you find a deal, follow the app’s instructions to activate it before you shop, and make sure to save your receipt.
After buying the diapers, upload your receipt to the app. The app’s system will check your purchase and add the cash back to your account. You can accumulate money over time and transfer it to your bank or use it for more purchases.
What’s great about cash back apps is that strategy can be stacked so that you can earn even more points and free diapers. For example, you can use both Ibotta and Fetch Rewards at the same time for the same box of diapers, and you can even scan those same diaper boxes to add them to any diaper rewards programs you’re a part of too (such as Pampers Club and Huggies Rewards).
5. Follow diaper brands on social media
Diaper brands sometimes give away free samples and coupons through their social media pages. If you follow them, you can be among the first to know about these offers.
Brands also share special promotions and discounts on their social media. By keeping an eye on their posts, you can grab these deals before they expire.
This isn’t exactly the best way to get free diapers (I like many of the others on this list more), but it is a possible way to get free diapers.
6. Check online marketplaces
You can find free diapers on online marketplaces. Sites like Craigslist, Facebook Marketplace, and Freecycle tend to have people giving away baby items they no longer need.
Search in the “free” section or post your own request for diapers. Many parents are happy to pass on extras rather than throw them away.
I also recommend joining parenting Facebook groups. You can find them by searching “your town name + parents” or something similar, or even just asking other parents you know. Even the smallest towns have these, so there is a good chance yours does too. Members tend to share tips on where to get free diapers or may even have some to give away. For example, I am a part of a parenting group in my local area, and free diapers are given away at least a few times a week by parents whose child outgrew them.
Of course, you’ll want to be careful when meeting strangers for free diaper pickups. Always choose public places and, if possible, bring a friend with you for safety. Check the condition of the diapers to make sure they are still usable.
7. Visit local diaper banks
Local diaper banks are a valuable resource for families in need. These organizations collect and distribute free diapers to families who can’t afford them.
Diaper banks often have partnerships with community centers, churches, and other local organizations. They can help connect you with additional resources to support your family.
Always call ahead to check the hours and requirements of the diaper banks. Some may need proof of income or residency, so bring any necessary documents with you.
8. Join parenting forums
Joining parenting forums is a great way to find free diapers (such as the What To Expect forum). These online communities are full of parents sharing tips and resources. Some forums have threads dedicated to diaper giveaways and swaps.
On these forums, you can also learn about local diaper banks and other community resources. Parents share details and experiences, helping you find the best options so that you can save money and time.
9. Apply for government assistance
If you need diapers for your baby, government programs can help.
One way is through the Temporary Assistance for Needy Families (TANF) program. Some states also give diaper allowances too.
For example, California’s CalWORKs program provides diapers to certain families who qualify. Washington State also has a diaper allowance for families getting TANF.
10. National Diaper Bank Network
The National Diaper Bank Network (NDBN) can be a big help if you need free diapers. They work with over 225 community-based diaper banks across the U.S. These diaper banks collect, store, and give out free diapers to families who are struggling.
To find a diaper bank near you, visit their website at NationalDiaperBankNetwork.org. They connect families to resources that help provide diapers and other baby necessities. This can be a lifesaver if you’re having trouble buying diapers for your child.
If you need help quickly, you can call 2-1-1. Specialists are available 24/7 and can help you find local resources, including diaper banks. They can also guide you toward other basic needs, like food and housing support.
11. Reach out to nonprofit organized playgroups near you
Nonprofit local playgroups have more than just fun activities for kids. Many also provide essential items like diapers to families in need.
I am a part of two local playgroups, and they both constantly have diaper drives and are giving out diapers. While I am personally not in need of free diapers, I do know how helpful these types of groups are for our children and families. For the playgroup that I am in, you can simply put in a request for diapers and someone will contact you right away about your options.
You can start by searching for playgroups in your area, asking around in local Facebook groups, or talking to other parents in your neighborhood. You might find listings online or through community centers too.
When you contact these groups, ask if they have any diaper assistance programs. Some playgroups partner with charities to distribute free diapers to families who need them.
Joining one of these playgroups has other benefits too. Your child will get to socialize and play, and you might make some new friends with other parents. It’s a win-win!
12. Add diapers to your registry
Adding diapers to your baby registry is a smart move. You can get a good supply of diapers at your baby shower.
You could also ask for different sizes as babies grow quickly, so having different sizes will help you be prepared.
You can also create a diaper fund. Friends and family can contribute money so you can buy diapers as needed.
I have even seen a new trend lately where people have a raffle at their baby shower for a new TV or something else that is expensive. For each box that a guest brings, they are given one raffle ticket. I’ve seen some parents get a TON of free diaper boxes this way!
13. Reach out to parenting nonprofits near you
Parenting nonprofits are a great resource for getting free diapers. These organizations often provide supplies to families in need.
Nonprofits like Help a Mother Out and Baby2Baby work to increase access to diapers and other baby essentials.
Finding these nonprofits in your area is simple. Try searching online or asking for recommendations from local community centers or hospitals.
14. Contact nonprofit organizations
Nonprofit organizations that aren’t related to babies can be a great resource for getting free diapers too. They sometimes distribute diapers to families in need.
This can include local churches, food banks and food pantries, the Salvation Army, and shelters.
15. Use cloth diapers
Cloth diapers are a great way to save money. They can be reused many times, which means you don’t have to keep buying new ones.
There are many types of cloth diapers. Some have inserts you take out and wash separately. Others come as one piece. Find what’s easiest for you.
Using cloth diapers might seem like more work. However, they can save you thousands of dollars over time. Plus, they are better for the environment since they reduce waste.
Frequently Asked Questions
There are many ways to get free diapers. Some programs provide them for low-income families, while others give samples or help through government services. Here are answers to common questions about how to get free diapers.
What programs give free diapers to low-income families?
Many states have diaper programs for families in need. Reaching out to programs like TANF, diaper banks, and local nonprofits can be a good way to get free diapers for low-income families.
How can I get free diaper samples sent to my home?
You can get free samples by reaching out to diaper manufacturers. Many companies, like Pampers and Huggies, send free samples if you join their rewards programs or sign up for their newsletters.
How to get free diapers from the government?
Some government programs, like TANF, give diaper support. Specific states, such as California and Washington, have allowances for families with young children. Check with your local social services office to learn more.
Can I get help with diapers through the WIC program?
The WIC program mainly focuses on providing nutritious food (like baby formula and other grocery items) to low-income families. It does not usually cover diapers. However, some local WIC offices might be able to share information with you on nearby organizations that can give you diaper assistance. Also, unfortunately, you cannot use the Supplemental Nutrition Assistance Program (SNAP) for free diapers either.
How to get Pampers for free?
Sign up for Pampers’ rewards program and follow them on social media. They sometimes have promotions and giveaways where you can earn points that can be redeemed for free diapers.
Does Huggies send free samples?
Yes, Huggies offers free samples. Join the Huggies Rewards program and keep an eye on their social media for any sampling events or promotions. If you sign up for any baby boxes while you’re pregnant, there are typically a few free Huggies diapers as well.
What can be used instead of diapers?
If you’re out of diapers, cloth diapers can be a good alternative.
How To Get Free Diapers – Summary
I hope you enjoyed this article on how to get free diapers.
As you can see, there are many ways to get free diapers. No matter the quantity of diapers that you need, you may be able to get help affording diapers.
What do you think is the best way to get free diapers?
Looking for second job ideas to increase your income? You’re not alone. Many people look for side gigs to help pay bills, save for big purchases, or simply have extra spending money. Finding the right second job and making extra income can make a big difference in your financial life. With so many options available,…
Looking for second job ideas to increase your income? You’re not alone. Many people look for side gigs to help pay bills, save for big purchases, or simply have extra spending money.
Finding the right second job and making extra income can make a big difference in your financial life. With so many options available, there’s likely something that fits your skills and schedule. Whether you want a job you can do from home or one that gets you out and about, there’s a side job out there for you.
For me, I was able to find a second job and it completely changed my life. In fact, it’s how I paid off my $40,000 in student loans in just 7 months. Making extra money also helped me to stop living paycheck to paycheck and to save more money!
Best Second Job Ideas
Below are the best second job ideas:
1. Blogger
Blogging used to be my side hustle and it is now my full-time job where I have earned over $5,000,000 over the years.
I started Making Sense of Cents just as a hobby, and it eventually turned into my second job. I didn’t know that blogs could make money or that it could become my full-time job. I didn’t even understand what a blog was or how it worked.
Starting a blog can be a great way to earn extra income. You can write about topics you are passionate about, such as travel, food, or personal finance. The best part is that you have the freedom to work on your blog whenever you have free time.
For me, it was a great second job because I could work on my blog before I went to my day job, during my lunch break, after I got home from work, and on the weekends. You get to make your own schedule, so that is a huge plus!
You can learn more about how to begin in my free How To Start a Blog Course here.
Here’s a quick outline of what you will learn:
Day 1: Reasons you should start a blog
Day 2: How to choose what to blog about
Day 3: How to create your blog (you’ll learn how to start a blog on WordPress)
Day 4: How to make money blogging
Day 5: My tips for making passive income from blogging
Day 6: How to grow your traffic and followers
Day 7: Extra blogging tips to help you be successful
2. Proofreader
Being a proofreader is a great second job idea. It’s perfect if you love reading and have a good eye for catching mistakes. You get to find errors in spelling, grammar, and punctuation.
You can work from home as a proofreader. Many companies and websites offer remote proofreading jobs. Some popular platforms include Upwork, FlexJobs, and Scribendi.
You might proofread books, articles, or even student papers. The work can be flexible, letting you choose when to work. This makes it easy to fit into a busy schedule.
Proofreaders can earn a decent amount of money. Some jobs pay by the hour, while others pay by the project. According to some sources, full-time proofreaders can make around $50,000 per year. Even if you don’t work full-time, you can still make a good side income.
I personally have a proofreader for my blog, and I know many others who have proofreaders for their businesses as well. It’s a very much-needed and in-demand job.
You can learn more at How To Start A Proofreading Business And Make $4,000+ Monthly.
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
3. Take online surveys
Taking online surveys can be a simple way to earn extra money in your spare time. Companies want to know what you think about their products, services, or marketing campaigns.
Many websites offer paid surveys. You can sign up for these sites and start taking surveys right away. Each survey usually takes a few minutes to complete.
You might earn anywhere from $0.50 to $5 per survey, depending on the length and complexity.
The survey companies I recommend signing up for include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
Pinecone Research
Online surveys can be done from anywhere with an internet connection, making it easy to fit around your other commitments. Just remember, while this can add up over time, you will not make a full-time income from just taking surveys.
I have taken many, many surveys over the years, and what I like about them is that you can do them on your own schedule – in the mornings, during your lunch break, before you go to bed – whenever. There is no strict schedule and they are super easy to do.
4. Dog walker or pet sitter
Becoming a dog walker or pet sitter is a great way to make extra money. You can set your own schedule and enjoy spending time with furry friends. Plus, many people need reliable pet care (I have personally found it hard to find a good dog sitter in the past, so I personally know that there is a lot of demand for this second job!), so there are plenty of opportunities.
Using dog walking apps like Rover, you can easily find clients. These platforms connect you with pet owners in your area. Depending on how much time you invest, you could potentially earn between $400 and $1,000 a month.
When I have had dog sitters in the past, I was paying around $100 a day for my two dogs to be watched in the person’s home. So, a 10-day trip earned the person $1,000.
Taking care of animals can also be very rewarding. You get to exercise while walking dogs and enjoy the company of pets. It’s a job that keeps you active and can be a lot of fun if you love animals.
No special skills are needed, but being responsible and loving pets is important. You must be punctual and trustworthy since pet owners rely on you to take care of their animals.
My mother-in-law as well as my sister are both dog walkers and pet sitters and enjoy what they do.
5. Virtual assistant
Being a virtual assistant is a great second job idea. You can help businesses and professionals with tasks like managing emails, scheduling appointments, and handling social media. This role tends to have flexible hours, making it easier to fit into your schedule.
One of my first side jobs was working as a virtual assistant. It was a fun and flexible way to earn extra money. There are many kinds of virtual assistant jobs. The money I made helped me pay off my student loans quickly, stop living paycheck to paycheck, and become my own boss. I think it’s a great way to make money, whether you want a part-time or full-time job.
Starting as a virtual assistant can be easy. Websites like Upwork, FlexJobs, and Indeed have listings for virtual assistant jobs. You just have to set up a profile and start applying. For me, I also let my friends and those in my industry know that I was growing my virtual assistant business, and that helped me find jobs as well.
A virtual assistant’s tasks can include:
Managing social media accounts
Scheduling travel and appointments
Managing email inboxes
Organizing events
Communicating with clients
Ordering supplies
Managing calendars
Handling logistics
Coordinating Zoom calls
Moderating online forums
Running personal errands
Answering customer service questions
Performing data entry
Managing websites
Creating presentations
Sending invoices
Now, one virtual assistant most likely won’t do all of these tasks – it simply depends on what the company or person is looking for.
Learn more at Best Ways To Find Virtual Assistant Jobs.
6. Graphic designer
You can make extra money as a graphic designer, and this can be a good second job idea if you want to work from home. A graphic designer is what you think – they design different kinds of graphics.
One way is to create design templates. These can be for websites, social media, or even printable designs. You can sell these templates online and get paid each time someone buys them.
Another option is freelance work. You can sell services like logo design, branding, or social media graphics, and you can find clients on sites like Upwork or Fiverr.
7. Social media manager
Social media managers handle different social media platforms for businesses.
Your job can include creating content, posting updates, and responding to followers. You might also need to analyze data to see what posts are doing well and which ones are not.
They work for one company or multiple clients. It’s important to have good communication skills and a creative mindset. Some social media managers also do graphic design or video editing for their social media posts.
Being a social media manager can be fun and flexible. You can usually work from home and set your own hours. This control and flexibility make it an excellent job for people looking to earn extra income on their own terms.
For me, I have been a social media manager in the past as a second job. It was great as a flexible side hustle!
8. Online tutor
If you enjoy teaching and have a strong understanding of a subject, you can try finding online tutoring jobs. Online tutoring lets you share your skills and help students from anywhere, and you can tutor kids in math, science, and reading, or even help them prepare for tests like the SAT or ACT.
Platforms like Wyzant and Tutor.com connect you with students looking for help. You create a profile, list your skills, and set your rates. Most tutors charge between $30 and $60 per hour. Teaching English as a second language is also a popular option. Many companies need English tutors to teach students abroad.
Online tutoring is flexible because you can choose your own hours and work from home. This makes it easy to fit around your teaching job or other responsibilities. Some tutors even make up to $1000 a week by dedicating just a few hours each day.
9. Bookkeeper
Becoming a bookkeeper is a great second job, and it can typically be done from home.
Bookkeepers keep track of financial records for businesses. This could include recording transactions, managing payroll, and preparing financial reports.
You don’t need a special certification to become a bookkeeper, making it easier to start.
The best part is that you can do this job from anywhere with just a laptop and some software. This flexibility means you can work from home or even when you’re traveling.
Since bookkeeping services are always in demand, you can find clients easily. This can be a very profitable side hustle. Some bookkeepers even charge $60 an hour or more.
Learn more at How To Find Online Bookkeeping Jobs.
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
10. Freelance writer
Working as a freelance writer is a great way to make extra money.
Freelance writers are self-employed and work for magazines, blogs, websites, companies, and more. A lot of what you read online today is written by a freelance writer.
I have been a freelance writer for many years, and I really enjoy it. I have written for many different websites and companies, and I make good money doing so.
You can write from home, at your own pace, and choose projects that interest you. Many companies need blog posts, articles, web content, and social media posts.
11. Photography
Getting paid to take pictures is a popular second job idea.
What’s great is that there are many ways to get paid for photography, such as:
Stock photos – Stock image websites are popular places for photographers to sell their pictures. These sites let customers buy royalty-free photos for personal or business use. Websites, TV shows, books, social media accounts, and more use stock photos all the time. Some popular stock photo websites are Shutterstock, iStock by Getty Images, Adobe Stock, and Dreamstime.
Portraits and event photos – As a photographer, you can focus on taking portraits and event photos. This area is in high demand, especially for weddings, elopements, birthdays, and corporate events.
Post pictures on Instagram or Facebook – Social media platforms like Instagram are great for sharing your pictures and gaining followers. Many people make a full-time income from their Instagram accounts. They do this through sponsored partnerships with companies, affiliate marketing, and selling their own products.
12. Personal trainer
Becoming a personal trainer is a great second job idea. You can help people get in shape while earning extra money.
You can work at a gym or do private sessions at clients’ homes. Some trainers also provide online coaching, which gives you more flexibility.
Personal trainers sometimes create workout plans tailored to each client’s needs. They might also give advice on nutrition, and this way, they can help clients with both exercise and diet for better results.
Personal training can be done part-time, which makes it a good fit if you have another job. Many people want training in the mornings, evenings, or weekends.
13. Etsy seller
Starting an Etsy shop can be a fun and rewarding second job. If you enjoy crafting or creating handmade items, this might be perfect for you. Etsy is a popular online marketplace where you can sell unique products.
There are many things you can sell on Etsy, such as:
Etsy can be a great way to turn your hobbies into extra income.
You can learn more at How To Sell On Etsy Successfully: A Beginner’s Guide.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
14. Babysitter
Babysitting is a great way to earn extra money. You can choose your own hours, making it easy to fit it around your main job or school.
Parents always need trustworthy people to watch their kids, and they might need help for an evening out or during the day if they work long hours.
As a babysitter, you can earn around $15 to $25+ per hour, depending on your experience and location. Some families might even pay more if you have special skills, like CPR training or if you are watching multiple children.
You can find babysitting jobs through local community boards, babysitting apps, or word of mouth. Sometimes, friends or family might also need help.
15. Delivery driver
A delivery driver job is one of the most popular side hustle ideas. You don’t need a lot of experience to get started, and all you need is a vehicle and a driver’s license. Many services, like DoorDash, Uber Eats, and Instacart, let you choose your own hours. This flexibility is perfect if you have a busy schedule.
You can deliver different items depending on the service you work for. Some companies focus on food delivery, while others may deliver groceries or packages.
The pay can vary based on where you live and how much you work. Some drivers make around $15 to $25 per hour including tips.
16. Bartender
Bartending is a flexible and fun second job. You can work at bars, restaurants, or special events like weddings.
Some bartender jobs don’t require a lot of experience. You usually have to start as a barback, helping with stocking and cleaning, then learn to make drinks. Then, you may be able to move up and find a part-time job as a bartender.
17. Transcriptionist
Being a transcriptionist can be a great second job. Transcriptionists listen to audio recordings and type out what they hear. It’s a simple job and doesn’t require a lot of training.
You can do this job from home and all you need is a computer and good internet. This makes it a flexible option where you can work on transcriptions during your free time or on weekends.
There are usually some requirements. Many places want you to type fast and accurately. For others, you might need to pass a background check or transcription tests.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
18. Rent your extra space
Do you have an extra room, basement, or garage? Renting out your extra space can be a great way to earn some extra cash each month passively.
You can list your spare room on websites like Airbnb or Vrbo if it’s a room or apartment.
If you have a garage or storage space, you can rent it out for storage. Websites like Neighbor allow people to find storage options nearby.
Before you start, check local laws and regulations. Some areas have rules about renting out space, so it’s important to be informed.
19. Handyperson
Being a handyperson can be a great way to make extra money. You can help people fix things around their homes, such as fixing leaky faucets, repairing doors, or assembling furniture.
You don’t need fancy tools for many jobs, just a good set of basic tools.
Many people need small repairs done but don’t have the skills or time. That’s where you come in. You can find clients through local ads, word of mouth, or online platforms like Taskrabbit.
Working as a handyperson has flexibility too and you can choose jobs that fit your schedule.
20. Rideshare driver
Apps like Uber and Lyft allow you to drive people around and get paid for it.
One of the best parts about driving for rideshare apps is the flexibility. You can set your own hours and work whenever you want.
Most rideshare companies have an easy sign-up process. They usually require a background check, a valid driver’s license, and a car that meets their standards. Once approved, you can start accepting rides and earning money.
The earnings vary depending on your location, the time of day, and how many hours you drive. Some drivers make a nice side income by working during peak hours when rates are higher.
21. Restaurant server
Being a restaurant server can be a great way to earn extra money and is popular for evening second jobs. Many restaurants have flexible hours, which is perfect if you need to juggle another job or school.
Servers often get tips, so your income can vary day to day. Some nights are busier and can bring in more money.
22. Clean houses
Cleaning houses is a good way to earn extra money with a second job. You can work on the weekends or after your regular job.
Plus, you can choose your clients and set your own hours.
To get started, all you need are basic cleaning supplies. You can sell your services to friends and family first. Word-of-mouth is powerful, and you might get more clients through recommendations.
23. Write book reviews
If you enjoy reading and sharing your thoughts about books, you can earn money by writing book reviews. Authors and publishers value your honest opinions because they help other readers decide what to read next. Readers also enjoy reading these reviews, making it helpful for everyone involved.
Here are some websites where you can earn money by writing book reviews:
OnlineBookClub.org – They provide free books at first. After your first review, you can earn cash for each review you write, typically between $5 and $60.
Kirkus Media – They look for reviewers for both English and Spanish books, especially for the Kirkus Indie section. Reviews are around 350 words and due two weeks after the book assignment. They cover all genres, with over 10,000 books reviewed annually.
Upwork – Create a profile and set yourself up as a book reviewer. This freelance platform allows you to set your own rates, with book reviewing rates ranging from $15 to $75 per hour.
The US Review of Books – They hire freelance writers for 250- to 300-word reviews that go beyond summary to provide insights into the book. Applicants need to submit a resume, writing samples, and references.
Reedsy Discovery – Review books before they are published and earn through tips from readers, typically ranging from $1 to $5 per review. It’s a way to influence which books gain popularity early on.
Other opportunities – Websites like Booklist (pays $15 per review, focused on short reviews for libraries), BookBrowse, Women’s Review of Books, and Publishers Weekly also pay for book reviews and are actively looking for new reviewers.
You can learn more at 16 Best Ways To Get Paid To Read Books.
24. Mow lawns
Mowing lawns can be a great second job. It’s simple, flexible, and very profitable.
You can start with not a lot of money too. For example, if you already have a lawn mower, you’re ready to go, and you can start by seeing if anyone in your neighborhood needs their lawn mowed.
Pricing your services depends on the size of the lawn and the complexity of the job. Some lawns might be easy and quick, others might take more time. Many people charge between $40 and $50+ per lawn.
Frequently Asked Questions
When looking for second job ideas, it’s important to find something that fits your schedule and goals. Here are answers to some common questions about picking the best side gig and managing two jobs.
What is the best 2nd job to have?
The best second job depends on your interests and skills. Some popular side hustle ideas include blogging, proofreading, taking online surveys, dog walking or pet sitting, and being a virtual assistant. These jobs have flexibility and can often be done from home.
What are some good jobs I can do at night after my day job?
Jobs you can do at night include customer service representative, security guard, bartender, or freelance work like writing and graphic design. These jobs usually have evening shifts or can be done remotely, fitting in well with a daytime schedule.
What are some good second jobs at night from home?
If you want to learn how to make extra income while working full-time, then my favorite way is to find good second jobs that you can work at night from home. This way, you don’t have a commute and it won’t interfere with your day job. Some good evening jobs from home include blogging, taking surveys, proofreading, bookkeeping, writing book reviews, and transcribing.
How can I make an extra $1000 a month?
To make an extra $1000 a month, you may want to try freelance writing, virtual assistant work, or becoming a part-time tutor. These jobs can pay well and offer flexible hours, allowing you to work around your primary job.
How can I make an extra $2000 a month?
Earning an extra $2000 a month may require a higher-paying side gig. Options include freelance web development, consulting, or starting a small business like dropshipping. These jobs can have higher earnings but may require more specialized skills or time investment.
How to get a second job with a 9-5?
You can get a second job with a nine-to-five by looking for evening or weekend positions and looking for jobs with flexible hours such as bartending, retail cashier, or working as a rideshare driver. Online jobs like tutoring or freelancing can also have nice flexibility to work after your main job.
What is the highest paying side hustle?
The highest-paying side hustles can include freelancing in tech fields like software development, graphic design, or consulting. Real estate investment, if you have the money to start investing, can also be very high paying.
Do you get taxed more if you have two jobs?
Having two jobs can put you in a higher tax bracket, meaning you might pay more in taxes. It’s important to understand how this affects your overall earnings. I recommend talking with a tax professional to talk about your tax situation and to make sure that you aren’t overpaying (or underpaying!).
How will my employer know if I have a second job?
Your employer may know if you have a second job if it affects your primary job performance or if you disclose it. Some employers also run social media checks to see if they can learn anything about you that may hurt their business. You may want to check your employment contract if you are worried, as some employers may have clauses about working multiple jobs.
Is having two jobs worth it?
Having two jobs can be worth it if you need extra income for savings, paying off debt, or reaching financial goals. It requires good time management and can be tiring, but many find the financial benefits to be rewarding. For me, I found having more than one job well worth it because it allowed me to pay off my student loan debt quickly, save more money, and pursue my passions.
Second Job Ideas – Summary
I hope you enjoyed this article on the best second job ideas.
As you can see, there are many popular second job ideas that may interest you. From online jobs like blogging, proofreading, and bookkeeping to in-person jobs like personal training, delivery, restaurant jobs, and more, there are many ways to make extra money so that you can reach your goals.
If you need a second job while working full-time, you are not alone. Many people are in your shoes. I recommend finding something that best fits your schedule and is at least somewhat flexible so that you aren’t making yourself too tired.
For me, I have had many side jobs. One thing that has always helped me is to make sure that it would fit with my day job and be flexible – because my day job did come first. Plus, I didn’t want to waste more time than I would need to by commuting back and forth or doing things that weren’t needed.
It’s now possible to activate all 5% category credit cards for the third quarter of 2024, including the Chase Freedom, Chase Freedom Flex, Discover IT, Citi Dividend, US Bank Cash+ and some smaller cards. In this post we’ll provide the activation link for each card and links to track your spend, along with strategies to help increase spend in these categories.
Dates: July 1st – September 30, 2024. Store purchases can usually be done until the last minute while online purchases should be given a buffer zone since the charge typically posts on the shipping date.
Chase Freedom – Gas, EV, Entertainment
Activation Link / FAQ / Sample Stores & Exclusions / Our original post
With the Chase Freedom and Freedom Flex cards, activate to earn 5% back this quarter on up to $1,500 in spend at gas stations, on EV charging, select live entertainment and movie theaters.
Gas and EV charging – Useful for gas and also for buying gift cards inside some gas stations and similar convenience stores
Select live entertainment and movie theaters
Tip: Click this link (login required) to check how far you are along the $1,500.
Discover – Grocery, Walmart
Activation Link / Our original post
With your Discover card, activate to earn 5% back this quarter on up to $1,500 in purchases at Grocery Stores and at Walmart.
Grocery Stores – always a useful category. Grocery stores also sell a wide variety of gift cards to other retailers.
Walmart – Walmart store purchases, online purchases, and gas purchases are included. You can buy a Walmart gift card online or in-store and then use that for Sam’s Club purchases as well. Walmart sells third party gift cards too.
Activate to earn 5% Cashback Bonus at Grocery Stores and Walmart from 7/1/24 (or the date on which you activate 5%, whichever is later) through 9/30/24, on up to $1,500 in purchases. Grocery Store purchases include those made at supermarkets, meat lockers, bakeries, smaller grocery stores, and grocery delivery services. All purchases made from Target, convenience stores, wholesale clubs, and discount stores are not eligible. Walmart purchases include those made at Walmart.com, through the Walmart app, in-store at Walmart Discount Stores, Walmart Supercenter Stores, Walmart Neighborhood Market Stores, Curbside Pickup, Walmart +, and Walmart Gas Stations. Purchases using Walmart Pay with your Discover Card will also be included. Purchases from individual merchants and stand-alone stores within physical Walmart locations may not be eligible for this promotion. Sam’s Club purchases are not eligible. Purchases made through affiliates of Walmart.com are not a part of this promotion. The Walmart.com logo is a registered trademark of Walmart Inc. Listed merchants are in no way sponsoring or affiliated with this program.
Tip: Login, then click this link to see you how far along the $1,500 you are.
Citi Dividend – Gas
Landing Page | Our Original Post
With your Dividend card, activate to earn 5% back this quarter at Gas Stations. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter or you can save the entire amount for a different quarter, or you can use part up each quarter.
Excludes gasoline purchases at warehouse clubs, discount stores, convenience stores or other merchants that do not use the gas station merchant category code.
U.S. Bank Cash+/Elan – Select your Categories
Activation link | Merchant List | Our Original Post
U.S. Bank Cash+ and Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter. Keep in mind that Car Rentals was recently replaced with TV, Internet, and Streaming Services.
Here are the current options:
TV, Internet, and Streaming Services
Home utilities
Select clothing stores
Cell phone providers
Electronic Stores
Gyms/Fitness
Fast food
Ground Transportation
Sporting goods
Department Stores
Furniture Stores
Movie theaters
Tip: Login here, then scroll down and click on the red “View Your Cash+ History” button.
U.S. Bank Shopper – Select your Categories
Our Original Post
The U.S. Bank Shopper Cash Rewards comes with a $95 annual fee and offers 6% cashback on your first $1,500 in combined eligible purchases each quarter with two retailers you choose. Options include Amazon, Apple, Best Buy, Home Depot, Lowe’s, Walmart, Target, and many more. You must enroll each quarter into two retailers.
Bank of America Customized Cash Rewards
Our Original Post
The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.
Gas and EV charging stations (default category)
Online Shopping; this category also includes cable, streaming, internet, and phone plan
Dining
Travel
Drug Stores
Home Improvement/Furnishings
This category is especially lucrative for those who have Preferred Rewards status with Bank of America which can get you 5.25% back on one of these categories at the higher relationship level.
Lots of useful categories here. Important note: the Cash Rewards card also offers 2% back at grocery stores and wholesale clubs up to $2,500 per quarter, and that $2,500 limit combines with the Category Selection limit. After spending $2,500, you’ll earn 1% back on everything.
Other Cards with 5% Category
Nusenda FCU – Gas, Hotels, Airfare, Education
Landing Page | Our Original Post
Earn 5% this quarter on up to $1,500 in purchases on Gas, Hotels, Airfare, and Education.
This is on top of the regular 1% for a total earn of 6% back. (apparently no longer the case?)
Langley FCU – Walmart, Wholesale, Gas, EV
Landing Page | Our Original Post
Langley Federal Credit Union offers 5% back each month in one selected category, on up to $100 cash back total ($2,000 spend).
The category options at time of this writing: Walmart, Wholesale, Gas, EV.
Vantage West [AZ] – Select your Category
Landing Page | Our Original Post
Get 5x points on the category of your choice, up to $1,500 per quarter. Eligible categories:
Safe Credit Union Cash Rewards Visa card offers 5% this quarter on your choice of one category each quarter (with no apparent limit). This quarter the categories are:
Compact size. As mentioned above, I’m working with little-to-no space, while most traditional media consoles are built for spacious living rooms. The Lowdown is a little over 3 feet long, allowing it to fit perfectly center under my TV. Additionally, with a depth of 15.7 inches, it provides an additional storage solution without making the space feel cramped.
Storage. Despite its small stature, the Lowdown has a ton of storage space. The two shelves inside are also height-adjustable, so you can create the exact solution you need. Currently, I have a Chemex, tool kit, multiple chargers, and a not-so-little candle collection hiding with room to spare (likely for more candles).
Easy to Build. As a proud single girl, I usually put my furniture together all by myself, so clear instructions and nothing that involves more than two hands is key. Not only does all Mustard furniture come with easy-to-read paper instructions, but there are also QR codes sprinkled throughout that lead to incredibly helpful videos. While I was able to complete this without help, I would recommend asking a friend for help putting on the top piece. It will save you some frustration.
Aesthetics. This locker hits the sweet spot of looking fun and cute, without being juvenile. With multiple colors to choose from, it can easily fit into any minimalist’s home or add a pop of personality to a space. As a lover of colorful spaces, the Butter shade goes perfectly with my green couch, while also making my record player pop.
All it takes is one visit to see, Milwaukee is a special city. Known for its deep roots in brewing and its welcoming people, this beloved Midwest city has something for everyone.
From iconic museums to delicious cuisine, there’s no shortage of things to explore.
Whether you’re a history buff looking for a home in West Allis or a foodie on the hunt for an apartment in Juneau Town, Milwaukee has you covered. Here are ten of the top things that make Milwaukee a standout spot to settle down or visit for a weekend.
1. Milwaukee Art Museum
The Milwaukee Art Museum is a must-see for artsy types. Its striking architecture includes the Quadracci Pavilion, designed by Santiago Calatrava. The museum houses over 30,000 works of art, ranging from antiquities to modern pieces. It’s especially known for its impressive collections of American decorative arts and folk art.
2. Pabst Mansion
We can’t properly cover Milwaukee without spending a little time on the Pabst Mansion, a stunning example of Gilded Age architecture. Built in the 1890s, it was the home of Captain Frederick Pabst, founder of the Pabst Brewing Company. The mansion has an opulent interior with fine woodwork, stained glass, and period furnishings. Guided tours provide insight into the life and times of the Pabst family. It’s a fascinating way to learn a bit more about Milwaukee.
3. Beer
Milwaukee is synonymous with beer, thanks to its long brewing history. Known as the “Brew City,” it’s home to famous legacy breweries like Miller, Pabst, and Schlitz. Visitors can enjoy brewery tours and tastings, getting a behind-the-scenes look at beer production. Local craft breweries are all over the city, making it a beer lover’s paradise. Milwaukee’s beer heritage is celebrated in festivals and beer gardens across the city on the daily basis.
4. Harley-Davidson Headquarters
Harley-Davidson’s global headquarters is in Milwaukee. Motorcycle enthusiasts can visit the Harley-Davidson Museum to explore the brand’s storied history. The museum showcases an extensive collection of motorcycles, memorabilia, and interactive exhibits. It’s a thrilling experience for anyone interested in motorcycles and American culture. The headquarters also hosts events and rallies, drawing bikers from around the world to pay homage to the king of hogs.
5. Milwaukee Brewers
Milwaukee locals flock to watch the Milwaukee Brewers in action. The stadium has a retractable roof, ensuring games are played rain or shine. Tailgating before games is a popular tradition, with fans grilling brats and crushing a couple beers in the parking lots. There’s no doubt about it, catching a Brewers game is a quintessential Milwaukee experience.
6. Butter Burgers
Butter burgers are a Milwaukee specialty you have to try. These juicy burgers are topped with a pat of butter, adding rich flavor and moisture. Solly’s Grille is the premier spot for this delicacy. Many local diners and burger joints also serve their own versions. It’s a hearty and satisfying meal that reflects Milwaukee’s love for comfort food.
7. Cheese
Wisconsin is famous for its cheese, and Milwaukee is no exception. The city is full of cheese shops and markets where you can sample and purchase local varieties. From sharp cheddar to fresh curds, the selection is vast and delicious. Cheese lovers will enjoy visiting places like the Wisconsin Cheese Mart, which has been around since 1938. Milwaukee’s cheese culture is a tasty tribute to the state’s dairy heritage.
8. Bronze Fonz Statue
The Bronze Fonz statue is a fun tribute to the iconic character from the TV show “Happy Days.” Located on the Milwaukee Riverwalk, the statue depicts Fonzie in his signature thumbs-up pose. It’s a popular spot for photos and a nod to the city’s pop culture connections. The statue adds an odd charm to downtown Milwaukee.
9. Historic Third Ward
Historic Third Ward is a bustling district known for its art, food, and shopping. Once full of warehouses and factories, it’s now home to trendy boutiques, galleries, and restaurants. The Milwaukee Public Market is a standout, offering a variety of local foods and artisanal products. Walking through the Third Ward, you’ll find historic buildings and a lively vibe. It’s a cool area that showcases the city’s creative energy.
10. Friday Fish Fry
Milwaukee’s Friday fish fry is a beloved tradition. Many local restaurants and pubs serve up crispy fried fish with sides like coleslaw, fries, and rye bread. This communal meal is a perfect way to kick off the weekend and enjoy local flavors. Fish fry dinners are often accompanied by live music and a friendly atmosphere. It’s a culinary experience that captures the essence of Milwaukee’s community spirit in its purest form.
Amazon Prime Day is July 16-17. It’s like Black Friday, but in July and with less burden to buy for others.
Some people may already have holiday gift-buying in mind, but most are likely shopping for themselves, says Jane Boyd Thomas, a professor of marketing at Winthrop University.
More emphasis from retailers on summer deals has shifted trends on Google. “In recent years, searches for ‘deals’ have spiked in mid-July, even surpassing search interest in ‘vacation,’” said Sean Scott, vice president and general manager of consumer shopping at Google, in a blog announcing Google’s enhanced shopping tools. Its updated “deals destination” is intended to make it easier to shop for deals across retailers in one place.
Whether you start on Amazon or Google, the key is to nab deals on planned purchases over impulse buys. Keep this list in mind as you decide what to buy (or skip) on Prime Day.
Buy: Electronics
Thomas says electronics will be the best category for Prime Day deals, which will likely include Apple products. She chuckled when mentioning an Apple Pencil she recently paid full price for ($129.99), only to hear later that it’ll likely be cheaper on Prime Day. In fact, it is $79 on Amazon at the time of this writing, before Prime Day. AirPods Pro (2nd Generation) ear buds were down to $189.99 in late June (Apple’s price is $249, but Amazon regularly sells them for $199), and could go lower during the sale.
Select models of TVs, soundbars, speakers and other headphones should see deep discounts too. Amazon is already touting an invite-only deal of up to 40% off Sony wireless headphones. But be mindful that limited quantities on the hottest products could mean you have to act quickly.
My experience: I dropped the “bar” last Prime Day. I had coveted a particular model of Sony soundbar that normally sells for about $300 all year long. I saved it and waited for the price to drop. On Prime Day, it went down $100. But instead of getting it, I hesitated for a few hours, and when I decided to buy it, it was not only out of stock on Amazon but also at other retailers. I settled for a similarly priced but inferior model.
This year’s sale starts promptly at 12:01 a.m. PDT on July 16 and ends at 11:59 p.m. PDT on July 17. The specific start and end times motivate people to buy on whim for fear of missing out, says Thomas.
But you can prep for Prime Day now, by making a list and checking your budget, to avoid overspending at crunch time.
Before you build a budget
NerdWallet breaks down your spending and shows you ways to save.
Buy: Car seats and strollers
Prime Day is likely to bring good deals on baby gear. NerdWallet monitored prices on a handful of popular products during every major sale of 2023. The Graco Extend2Fit Convertible Car Seat we tracked went on sale often, but hit its lowest observed price during last year’s July Prime Day, coming in at $139.99. It’s $199.99 on Amazon at the time of this writing.
Thomas, a new grandmother, needs to get equipped to drive her granddaughter around.
The car seat base she needs typically goes for around $160, she says. “I’m going to put it in my wish list and set alerts, which you can do with Amazon, to let me know when it goes on sale,” she adds.
Strollers, cribs, pack-and-plays and other typically pricey baby products could hit lows during Prime Day. Last year, for example, the Baby Jogger City Mini GT2 All-Terrain Stroller was 40% off during Amazon’s sale.
Buy or skip: Amazon devices
Buying an Amazon device during Amazon’s biggest sale of the year is a no-brainer, but only if you’re in the market for one. Fire tablets and TV sticks, Kindles and Echo devices are all likely to be discounted. And many of the gadgets Amazon makes are pretty well-reviewed.
Of course, you can also wait. The next big Prime sale, which should come in October, is all but certain to bring similar prices on Amazon’s own tech.
My experience. I skipped both the July Prime Day and October Prime Big Deal Days last year and still got a great deal on the latest Echo Show 8 (3rd gen) smart display device, which wasn’t released until late in the year. I ordered mine on Dec. 28, 2023, for $60 off the normal price. It’s a good reminder that products are often refreshed and prices are constantly in flux.
Buy: Toys
If you are prepared enough to put a gift list together in July and have kids to buy for, sensory-type creative toys can be a good way to go. One of the best Prime Day deals NerdWallet spotted last year was on the Magna-Tiles Classic 100-Piece Set. Kids love them, and the set went down to $82.99 on Prime Day. The same set is $119.50 on Amazon at the time of this writing.
Thomas says Amazon is inclined to mark down already hot sellers to draw people in.
“I would look at things like gifts for children, scooters, Lego sets because those are things that are pretty steady sellers year-round for them,” she says.
Buy or skip: Small appliances
Kitchen gadgets are fair game for deals on Prime Day, but NerdWallet’s research shows Cyber Monday is better for deals on small appliances like air fryers, mixers and coffee makers. And for these items especially, don’t let Amazon be your only stop. Target, Walmart, Best Buy and other retailers will compete.
You could also wait and stumble upon a deal later, if you’re not quite ready to buy.
My experience: While at a friend’s house for dinner late last year, I couldn’t help but notice the side-by-side Instant Vortex Plus 6-quart XL Air Fryers they were using to cook the meal. The food was good, and the stainless look was slick. I got home, opened Amazon and saw the same model going for $74.15, about $55 off the normal price. I nabbed it on Nov. 5, 2023, a random Sunday. Moral of the story: good sales happen throughout the year if you’re not ready to buy now.
Nerdy reminders about online shopping
Doing the necessary product and price research should be second nature by now, but here’s a refresher on how to e-shop smartly.
Know the going rate: If you’re shopping on Amazon, it’s quick and easy to use a price-tracking site like camelcamelcamel to check the price history over time. Paste the Amazon URL in the camelcamelcamel search bar to view lowest-ever, highest-ever, current and average price.
Set your pounce price: Once you know the lowest price and how often the item is discounted, you can use your budget to set a price threshold. Once the price drops below that line, you’ve given yourself permission to buy.
Save it for later and set alerts: Set alerts to take the effort out of tracking prices. In the Amazon app, you can set deal alerts for items of interest by going to the account section, scrolling down to “message center” and tapping deal alerts.
Google it before you get it, or search “shop deals”: Amazon may be the loudest, but other retailers will quietly compete with Prime Day. A quick Google search of the specific product you’re after will let you compare prices, but you can go deeper with Google’s new “deals destination.” Type the words “shop deals” into the search bar to view a carousel of products with recent price drops from across the web. Click on the product to view its typical price range based on averages over the past 90 days.
Shopping online is easier than ever, and there are tricks and tools that can definitely help you save. But there’s also a time-consuming and inescapable nature of online shopping. As we hit the peak of summer, don’t let chasing the best deal keep you from things that matter most. Those things are probably free anyway.
Get more financial clarity with NerdWallet
Monitor your credit, track your spending and see all of your finances together in a single place.
MINNEAPOLIS — Last year, after Deb Jerikovsky’s husband died, she decided to swap the lake home where they planned to spend retirement for a house in the metro that’s closer to family.
She put that plan on hold, however, once she realized 7% mortgage rates would force her to dip too deeply into her savings. Instead, she moved in with her daughter, hoping she’d eventually score a lower rate.
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She didn’t have to wait long.
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Mortgage rates were still hovering near 7% last October when she ran across a listing for a townhouse in Coon Rapids, Minnesota, that touted a KitchenAid fridge, electronic blinds and an unexpected extravagance: a low-interest assumable mortgage.
“It was like winning the lottery,” said Jerikovsky, who assumed the seller’s 2.25% mortgage rate.
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The deal saved her about $700 a month compared with today’s rates and gave her enough room in her budget to buy a new car and spend part of the winter with her aunt in Florida. Her $349,900 townhouse is one of hundreds of listings in the Twin Cities with an assumable mortgage eligible sellers can transfer to qualifying buyers, teleporting them back to a time of record-low rates.
Though they now account for only a fraction of all house listings, these government-backed mortgages — courtesy of the Federal Housing Administration (FHA), Veteran Affairs (VA) and U.S. Department of Agriculture (USDA) — are an overlooked home-buying hack saving a growing number of buyers hundreds of dollars a month and tens of thousands of dollars through the life of their mortgages.
“Most agents aren’t even aware of what it entails and what to look for,” said Tyler Miller, a Minnesota broker who has been involved with several sales involving assumable mortgages with astoundingly low rates.
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Miller recently listed a four-bedroom house in Blaine with an assumable 2.25% FHA mortgage with a monthly payment that’s about $1,700 less than it would be at the going rate. To tout the listing, he posted a TikTok video promoting the benefits.
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“I had some people tell me I was lying,” Miller said. “I said, ‘No, this is real.’”
Assumable mortgages have been lurking in the shadows of unusually low rates in recent history. Such mortgages were last popular in the 1980s when rates hit a record 18.1%.
At the end of 2020 and into early January 2021, rates fell to record lows, hovering around 3% for much of 2021 and causing home sales and prices to soar. That buying binge locked in thousands of mortgages at rates that likely won’t be that low again for decades. An estimated 80% of all VA mortgages, like the one Jerikovsky assumed, now have a rate that’s less than 4%, and many of those rate-holders are now ready to sell.
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Today, the average 30-year fixed-rate mortgage is about 7%. Though that’s still below historical averages, there’s a generation of buyers yearning for a time of low rates that’s unlikely to re-emerge anytime soon.
An estimated one-third of all mortgages in the U.S. are assumable now. Because many owners will hold onto those rates as long as possible, assumable mortgage listings represent only a fraction of homes currently for sale, making them one of the best-kept secrets for homebuyers these days.
While some agents will include an assumable mortgage in the listing details, many homeowners don’t even know they have one — the details are buried in the fine print of their contract, which many buyers don’t carefully read. In Minnesota, just shy of 5% of the more than 30,000 houses listed on Realtor.com had assumable mortgages. The website only started including a search feature for assumable mortgages in February.
Ryan Carrillo and Louis Ortiz started their Assumable.io website, which is dedicated to assumable mortgages, after Carrillo discovered the 2.75% FHA mortgage on his own house was assumable.
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The site lets you search for listings city by city, including detailed mortgage data such as the assumable rate and payment compared with the payment at current rates. All of the more than 30,000 nationwide listings on the site have an assumable mortgage, including other key details such as the required down payment and the interest savings through the remaining mortgage.
“It’s a huge opportunity,” Carrillo said, nothing that traffic to the site has doubled every month since its launch.
A recent listing for a nearly new townhouse in Maple Grove initially priced at $485,000 came with an assumable mortgage that’s half the current rate, saving a would-be buyer about $1,000 a month. Through the life of the loan, that lower rate would save nearly $400,000 in interest payments.
Roam, which doesn’t yet post listings in the Twin Cities, is another new website focused solely on assumable mortgages. It charges buyers 1% of the purchase price to help navigate the process. On average, the company claims, buyers who use the site save $15,000 in mortgage payments annually.
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“It’s not a panacea and won’t work for every transaction and every buyer,” Ortiz said. “But it provides buyers the opportunity to afford more house if they can make the equity gap work.”
That equity gap is often the biggest hurdle. Because the buyer is essentially taking on the existing mortgage rather than receiving a new one, the buyer has to pay the seller the difference between the original mortgage balance and the current asking price.
Though it’s only been a couple years since rates spiked, that equity gap can be significant given how house prices have steadily risen. To eliminate that barrier, Ortiz and Carrillo said they’re now offering lenders willing to do a second mortgage access to their site.
Chris Birk — vice president of Veterans United Home Loans, which has a national network of agents who specialize in working with military buyers — said there’s been a 600% increase in the number of VA mortgage assumptions from 2022 to 2023.
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“We’re seeing marked increase interest in these,” he said. “But it’s a foreign concept for so many buyers but also sellers.”
He said while any lender or servicer should be able to complete the transaction, it helps to work with professionals who are familiar with the process.
Brady Holland, the agent who helped Jerikovsky buy her townhouse, said assuming a mortgage can be a bit more complex because both the buyer and seller have to provide documentation. That’s especially true for the seller, who is essentially “selling” the mortgage to the buyer.
“It was a little tricky,” he said. “I had to call [the processor] every other day to check on things. … It takes a team to make it happen.”
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Many VA mortgage holders are reluctant to let another buyer assume their mortgage because once they do, they forfeit the right to use the benefit to buy another one. Unlike FHA mortgages, VA mortgages are considered a government benefit with perks that include the ability to forgo private mortgage insurance and no, or a low down payment and competitive low rates.
A VA mortgage holder is entitled to transfer those benefits to a qualifying nonveteran, as long as the seller doesn’t plan to buy a home with another VA loan.
In the case of the house that Jerikovsky bought, the seller was a widow who moved to an apartment, enabling her to waive her right to additional VA mortgage benefits because she doesn’t plan to buy again.
Though a mortgage assumption can take longer than a new, traditional mortgage, that wasn’t the case for Jerikovsky’s purchase, which closed less than two months after she first saw the house. For her, the most challenging part of the process, she said, was filling out online forms and applications. But her tech-savvy daughter helped with that.
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“I didn’t know if I would be living with my daughter for six months or a couple years until rates went down,” she said. “That (assumable) rate made all the difference in the world.”
– Jim Buchta for the Star Tribune
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Dark and Stormy Is How They Take Their Décor
Some decorators swear by the calming effects of deep and moody hues.
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Jean Stoffer, an interior designer and TV personality, painted the walls and ceilings of her butler pantry in Grand Rapids, Mich., a gray-blue hue. “When we have parties, people are in there talking all the time,” she said.Credit…John Stoffer
Published May 26, 2024Updated May 28, 2024
When Emily Peterson purchased her seaside cottage in Cape Neddick, Maine, she knew its coastal hues had to go. “The second we walked through this house, I had this vision that I wanted it to be dark,” said Ms. Peterson, who bought the 1770s home nearly two years ago. “It’s been here for so many years and I just wanted to bring life back into it.”
And in this case, that meant going back to its historical roots with moodier colors.
So Ms. Peterson, who shares the cottage with her husband and two young children, painted over the butter yellow and powder-blue walls with dark greens and deep blues.
Bright, vibrant spaces have enjoyed their time in the sun — after all, last summer’s Barbiecore moment even extended to homes — but there’s growing interest in a dark interior aesthetic. On TikTok, videos highlighting this style often rack up thousands of likes. And on the home-decorating website Houzz, there’s been surge in searches related to dark and moody décor — for example, “moody bedroom” searches are up 142 percent.
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