Nestled in the heart of the American South, Kentucky embodies a rich tapestry of history, culture, and natural beauty. Known as the “Bluegrass State,” it conjures images of rolling hills adorned with vibrant green pastures and legendary horse farms. From the bustling urban landscapes of Louisville to the serene countryside of Lexington, Kentucky offers a diverse array of experiences. However each state has its downsides to living there. In this ApartmentGuide article, we’ll dive into the pros and cons of living in Kentucky so you can gain valuable insight on what to expect.
Renting in Kentucky snapshot
1. Pro: Horse racing culture
Kentucky’s horse racing culture is deeply ingrained in the state’s identity, with the world-renowned Kentucky Derby serving as the pinnacle event. The Derby, held annually at Churchill Downs in Louisville, attracts visitors from across the globe to witness the thrilling races and immerse themselves in the traditions of racing. Additionally, Lexington, often dubbed the “Horse Capital of the World,” boasts numerous horse farms and equestrian events, further enhancing the state’s equine heritage.
2. Con: Humid summers
Kentucky’s humid summers can be challenging for residents, with high temperatures often accompanied by oppressive humidity levels. The combination of heat and moisture can make outdoor activities uncomfortable and increase the risk of heat-related illnesses. Additionally, the humidity can exacerbate air quality issues, particularly in urban areas like Louisville, where stagnant air masses can trap pollutants and allergens.
3. Pro: Bourbon distilleries
Bourbon distilleries dot the Kentucky landscape, offering residents and visitors alike a taste of the state’s rich whiskey-making tradition. The Bourbon Trail, which spans across various counties, allows enthusiasts to tour iconic distilleries such as Maker’s Mark, Jim Beam, and Woodford Reserve.
4. Con: Limited public transportation options
Limited public transportation options pose a hurdle for many Kentuckians, especially those in rural areas where access to reliable transportation is scarce. While larger cities in Kentucky have bus systems, they may not cover all areas comprehensively, leaving some residents reliant on personal vehicles for commuting and errands. In fact, Covington has a transit score of 28 meaning most errands require a car.
5. Pro: Natural beauty
Kentucky’s natural beauty captivates all who encounter it, from the rolling hills of the Bluegrass region to the majestic peaks of the Appalachian Mountains. Red River Gorge, located in the Daniel Boone National Forest, showcases breathtaking sandstone cliffs, lush forests, and countless hiking trails.
6. Con: Natural disasters
Kentucky’s susceptibility to natural disasters, including floods, tornadoes, and earthquakes, presents significant challenges for residents and communities. The state’s location in the Ohio River Valley and proximity to the New Madrid Seismic Zone increase the risk of catastrophic events that can cause widespread damage and displacement.
7. Pro: Low cost of living
With a low cost of living compared to many other states, Kentucky provides residents with affordability and financial stability. Housing prices are notably reasonable, as seen in Frankfort, which has a median sale price of $218,900 and an average rental price for a one-bedroom standing at $785. Additionally, everyday expenses such as groceries, utilities, and transportation tend to be more affordable, enabling residents to stretch their dollars further.
8. Con: Environmental concerns
Environmental concerns loom large in Kentucky, particularly in regions where industries like coal mining and manufacturing have left lasting impacts on air and water quality. Appalachia, in particular, has grappled with the environmental consequences of mountaintop removal mining, which has led to habitat destruction and water pollution
9. Pro: Outdoor recreational opportunities
Kentucky’s abundance of outdoor recreational opportunities invites adventure seekers and nature enthusiasts to explore its diverse landscapes. From boating and fishing on the state’s scenic lakes like Lake Cumberland and rivers like Big Sandy River to hiking and camping in its sprawling parks and forests, there’s something for everyone to enjoy.
10. Con: Challenging infrastructure
From aging roads and bridges to inadequate water and sewer systems, Kentucky has its fair share of challenging infrastructure. Rural communities often bear the brunt of these challenges, experiencing limited access to reliable utilities and transportation networks.
11. Pro: Rich history
Historic homes such as Ashland, the estate of Henry Clay, and My Old Kentucky Home provide insights into the lives of prominent figures in Kentucky. Meanwhile, Civil War battlefields like Perryville Battlefield State Historic Site and Camp Nelson Civil War Heritage Park preserve the memories of significant events and sacrifices, allowing visitors to connect with Kentucky’s storied past.
12. Con: Rural isolation
Rural isolation can be a significant drawback for residents living in remote parts of Kentucky, where access to essential services, healthcare, and employment opportunities may be limited. When considering a move to this state, you’ll want to consider the rural and urban cities that fit with your lifestyle.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
A newly listed Manhattan Beach property is aiming for the crown. Landing hot on the market with a $25 million asking price, a 5-bedroom oceanfront house with a coveted address on The Strand is looking to set a new real estate record.
Located at 1800 The Strand, the property sits on a prime beachfront corner lot, right at the heart of a vibrant beach scene. And not just any beach, but one of California’s finest.
The Strand, Manhattan Beach’s most exclusive address, stretches along the coastline of the Pacific Ocean, offering breathtaking ocean views and miles of clean, sandy beaches. Properties along The Strand are among the most desirable in California, offering direct beach access and proximity to high-end shops and gourmet restaurants.
Listed for $25 million with Bryn Stroyke (Co-Founder and Broker of Stroyke Properties Group at Bayside Real Estate Partners), 1800 The Strand has the potential to outshine all the other neighboring homes if it sells anywhere near its asking price.
So let’s take a closer look at the 5-bedroom home that can shatter Manhattan Beach’s real estate records.
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Specs & features
Clocking in at 5,329 square feet, the 2000-built home comes with 5 spacious bedrooms, 5.5 bathrooms, and a 5-car garage parking (including two vaulted spaces) plus room for 2 more vehicles on the apron.
Custom-built to be “the best home on The Strand”
“When the home was finished in 2000, it was built out at over $700/SF which was an extraordinary number [at the time],” the property’s listing agent tells us, sharing that the beach house was lauded as the “best home on the Strand when it was completed.”
See also: Mark Cuban’s Million-Dollar-Mansions are the Definition of Luxury Living
It has a dramatic staircase
“The most dramatic element of the home is the custom floating spiral wood staircase which had to be lowered into the home via a skylight opening using a large crane. It’s very dramatic, and is the first thing you see when you walk in the front door,” agent Bryn Stroyke shares exclusively with Fancy Pants Homes.
And an open floorplan to take in the ocean views
Per the listing, the home’s open floor plan was designed to maximize natural light and embrace stunning vistas of the ocean, Manhattan Beach Pier, Palos Verdes Peninsula, and Catalina Island. Its strategic location benefits from the southern exposure unique to north-corner lots, capturing iconic views that elevate every gathering.
Standout areas include a bright & airy Great Room and a bedroom with views for days
With its rooms practically inviting the ocean in through its extra large windows, picking a favorite space is quite the task. Even the property’s agent had a hard time choosing a favorite:
“The most impressive room is probably the main living area’s Great Room, although the Primary Bedroom might have a bone to pick with that selection.“
Sporting a “best in class location”
“It is rare to get a best in class property that is also in a best in class location –– this home is it. Many people consider 1800 The Strand to be the absolute center of the bullseye and the very best corner lot on the Strand,” Bryn Stroyke says about the property’s enviable location, further detailing why the corner lot is so desirable:
“Corners are special not just because of the enhanced views but also because you get side yard patios and can actually build 2′ wider… which may not seem like a lot but on 33′ wide lots… it’s a difference-maker.”
Aiming for the crown: setting a new record for the most expensive home on The Strand
Known for its premium prices, Manhattan Beach has seen many properties on The Strand compete for the title of the priciest home sold in this upscale area. A modern, $36M house with luxury resort vibes gave it a shot a couple of years back, as did a $22 million Selling Sunset-featured property.
The numbers to beat
There’s also a triple-lot property that’s reportedly eyeing a $150 million sale, but none have managed so far to upstage the current record holder, a $19.2 million house at 508 The Strand — sold by the same team that currently reps 1800 The Strand.
However, the highest sale recorded in the area is still a lot value property at 1000 The Strand which sold in 2017 for $21 million.
Priced at $25 million, 1800 The Strand has all the potential to dethrone both current record holders and become the most expensive house ever sold in Manhattan Beach.
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Have you been asking yourself, “Should I move to Tampa, FL?” From the thrilling rides at Busch Gardens to the serene walks along the Tampa Riverwalk, this city offers an exciting mix of excitement and relaxation. Whether you’re a fan of the arts, sports, or just looking for a sunny place to call home, Tampa’s diverse attractions and welcoming atmosphere make it a standout city. In this article, we’ll dive into the pros and cons of living in Tampa to help you figure out if it’s the right fit for you. Let’s get started.
Tampa at a Glance
Walk Score: 86 | Bike Score: 69 | Transit Score: 62
Median Sale Price: $424,000 | Average Rent for 1-Bedroom Apartment: $1,740
Tampa neighborhoods | Houses for rent in Tampa | apartments for rent in Tampa | Homes for sale in Tampa
Pro: Access to beautiful beaches
Tampa’s proximity to some of Florida’s most beautiful beaches is a major draw. Clearwater Beach and St. Pete Beach are both just a short drive away. They offer stunning white sand and crystal-clear waters ideal for swimming, sunbathing, and water sports. These beaches are not only perfect for leisurely days but also provide picturesque sunsets that are truly unforgettable.
Con: Humidity and heat
Living in Tampa means dealing with high humidity and heat, especially during the summer months. It’s not uncommon for temperatures to soar into the 90s. The climate can be challenging for those not accustomed to the Gulf Coast weather. This intense heat can limit outdoor activities during peak times and may lead to higher electricity bills due to the constant need for air conditioning. For some, this weather is a significant drawback of residing in Tampa.
Pro: Outdoor recreation and activities
Tampa offers an abundance of outdoor activities and recreation options, thanks to its warm climate and natural surroundings. From kayaking on the Hillsborough River to biking along the Bayshore Boulevard, the longest continuous sidewalk in the U.S., there’s no shortage of ways to enjoy the outdoors. The city also boasts numerous parks and green spaces, such as Lettuce Lake Park. These spaces provide locals with ample opportunities for leisure and exercise.
Con: Risk of hurricanes
Located on the Gulf Coast, Tampa is susceptible to hurricanes and tropical storms, particularly during hurricane season from June to November. In fact, Tampa ranks second in the top 10 U.S. metros with the highest risk of hurricane winds. These natural disasters can cause significant damage and disrupt life for weeks or even months. Residents must be prepared for evacuation orders and have plans in place for securing their homes. The threat of hurricanes is a serious consideration for anyone thinking of moving to Tampa.
Pro: Thriving job market
The job market in Tampa is robust, with opportunities in the finance, healthcare, technology, and tourism industries. Companies like Raymond James and WellCare provide significant employment opportunities, contributing to the city’s economic growth. Tampa’s focus on innovation and business development makes it an attractive place for people looking to advance their careers or individuals looking to start new business ventures.
Con: Somewhat limited public transportation options
While Tampa has made strides in improving its public transportation system, options remain limited compared to other major cities. With a Transit Score of 62, the reliance on cars is high. There are bus services and a streetcar system in certain areas, however, the coverage is not extensive. This limitation can be a hurdle for those without personal vehicles or those who prefer to use public transit for environmental or financial reasons.
Pro: Sports and entertainment hub
Tampa is a haven for sports enthusiasts, home to professional teams like the Tampa Bay Buccaneers (NFL), Tampa Bay Lightning (NHL), and Tampa Bay Rays (MLB). The city rallies around its teams, creating a vibrant sports culture with year-round events and games. Beyond sports, Tampa hosts concerts, Broadway shows, and festivals at venues like the Amalie Arena and the Straz Center, ensuring there’s always something exciting happening.
Con: Rising cost of living
While the cost of living in Tampa is still 4% lower than the national average, living expenses has been on the rise. Tampa has been growing in popularity causing real estate prices and rents to increase year-over-year. This can make it challenging for some residents to find affordable housing. While expenses are still lower than some major US cities, the trend towards higher living costs is a concern for those moving to the area or looking to buy property.
Pro: Excellent cultural scene
From the historic Ybor City, known for its Cuban and Spanish roots, to the Tampa Museum of Art, Tampa is a hub for cultural exploration. The Gasparilla Pirate Festival, an annual event that captivates the city with parades and festivities, is a testament to Tampa’s unique local culture. This vibrant cultural scene provides an engaging lifestyle for those who appreciate art, history, and community events.
Con: Summer crowds
With its beautiful beaches and tourist attractions, Tampa becomes a hotspot for visitors during the summer months. While tourism boosts the local economy, it can also lead to overcrowded beaches, parks, and attractions, impacting residents’ enjoyment of these spaces. Planning ahead and seeking out less crowded times or places is often necessary to avoid the influx of summer crowds.
Pro: Diverse culinary scene
Tampa’s culinary scene is as diverse as its population, offering a wide range of dining options that reflect the city’s cultural mix. From authentic Cuban sandwiches in Ybor City to fresh seafood along the Gulf Coast, the food landscape in Tampa is a foodie’s delight. The city also hosts numerous food festivals throughout the year, celebrating everything from craft beer to gourmet cuisine, making it an exciting place for culinary exploration.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Inside: Learn how to save money quickly, even on a tight budget. Get practical tips for how to save money fast on a low income. Simple savings ideas to implement today.
Saving money on a tight budget can feel like a high mountain to conquer, especially when you’re trying to do it fast.
Many people earn just enough to cover their essential costs, leaving little room for savings. However, with the right strategies, saving money fast on a low income doesn’t have to be a pipe dream.
This is something I started when we decided to pay off debt. Then, we choose to continue saving that money and investing it.
By understanding the flow of your money – where it’s coming from and where it’s going – you can make informed decisions that maximize your savings potential.
By prioritizing your spending and forecasting future expenses, budgeting can reduce the stress of financial uncertainty and introduce a sense of control and confidence in your money management skills. Thus, leading to you starting to save.
What is the best way to save money on a low income?
On a low income, the best way to save money is to thoroughly understand your expenses and prioritize your needs over wants.
In addition, by planning and tracking your finances meticulously, you can identify where each penny is going. Thus, allowing you to analyze your expenses. Once you have a clear picture of these, start looking for areas to trim down.
Remember, saving money is about being proactive and consistent. These small but steady steps can build up over time to help you save money fast, even on a low income.
How to Save Money on A Fast Income
1. Start with Clear Priorities
Before you can decide where to cut costs or how to allocate your funds, you need to know what’s most important to you.
What is your why for doing what you need to do? Is it building an emergency fund, saving for a down payment on a home, or maybe preparing for retirement?
Whatever your goals, outline them clearly. This is how you will save money.
2. Budgeting effectively to manage finances
To budget effectively on a low income, it all starts with a cold, hard look at your numbers.
Begin by listing all sources of income – that’s your foundation.
From each paycheck or income stream, subtract your non-negotiable expenses such as rent, utilities, transportation, and debt payments. What you have left is your discretionary income.
Then, it’s time to categorize and prioritize. Group your expenses into necessities and nice-to-haves. If your essentials consume most of your income, you’ll need to scrutinize the nice-to-haves list.
Every dollar saved from unnecessary splurges is a dollar that can be put towards your savings.
Use budgeting apps or tools to keep a real-time record of your spending. These can help you stay disciplined and provide a visual reminder of your progress.
3. Track and Slash Unnecessary Expenses
Now, you must meticulously and ruthlessly cut out the non-essentials.
Identify patterns and spot the recurrent, unnecessary expenses that are draining your funds.
Do you subscribe to multiple streaming platforms?
Are you forking out cash for a gym membership you barely use?
Are those daily specialty coffee drinks adding up?
It’s time to slash these expenditures.
Cutting these expenses is like giving yourself a raise.
4. Lower Housing Expenses Without Compromising Comfort
Living in smaller, more affordable housing to decrease rent or mortgage might be exactly what you need.
Opting for a smaller, more affordable space is a practical approach to significantly lower your rent or mortgage payments. When you choose to live in a compact setting, not only do you reduce the square footage costs, but often, utility and maintenance expenses decrease as well due to the reduced size of the living area.
If you are renting, try to negotiate your rent or lease terms with your landlord – they might be willing to offer a discount to keep a reliable tenant, or you may be able to agree on lower rent for a longer lease commitment.
If you’re a homeowner, explore the possibility of refinancing your mortgage to take advantage of lower interest rates. Alternatively, consider renting out a room or a portion of your living space, as the additional income can offset your mortgage or maintenance costs.
5. Save Money on Utilities with Simple Home Adjustments
Saving money on utilities might sound challenging, but you can often achieve substantial savings with a few strategic home adjustments. Let’s explore some cost-effective strategies and modifications you can make to your living space that could help reduce your bills.
Energy Efficient Appliances: Swapping out older appliances for Energy Star-rated ones leads to significant reductions in electricity use and water consumption.
Smart Thermostats: Installing a smart thermostat allows you to programmatically control your heating and cooling based on your schedule and preferences, potentially saving you a bundle on your energy bills.
LED Lighting: Switch to LED bulbs, which are more energy-efficient than traditional incandescent ones and have a longer lifespan, saving you on replacement costs as well as your electric bill.
Insulation Upgrades: Proper insulation keeps your home warm in the winter and cool in the summer, reducing the need for excessive heating or air conditioning.
Water-Saving Fixtures: Low-flow showerheads and faucet aerators reduce water usage, preserving this precious resource and lowering your water bill.
Not only do these simple home adjustments lead to savings on your utility bills, but they also contribute to a more environmentally friendly lifestyle.
6. Cooking at home instead of eating out
Cooking at home instead of dining out is an excellent way to save money, especially on a low income. When you eat at a restaurant, you’re not just paying for the food; you’re also covering the cost of service, ambiance, and the establishment’s overhead.
Plan a balance between meal prepped home-cooked meals and the occasional dinner out to keep your budget in check while still enjoying life’s little pleasures. Here are some frugal meals to get you started.
Remember, you don’t have to eliminate eating out entirely.
7. Canceling unused subscriptions and memberships
Stop draining money on services you don’t actively use. It’s surprisingly easy to forget about these auto-renewing expenses, so taking the time to audit your subscriptions can reveal opportunities for savings.
Recently, we tracked over $100 a month in my mother-in-law’s unused subscriptions and membership!
As such, it’s important to periodically evaluate your subscriptions and memberships to ensure they are still serving your interests and goals. If not, give yourself permission to cancel and save that money for something that offers tangible benefits in return.
8. Buying quality items that last longer
Investing in quality items that last longer is a strategic way to save money over time. While the initial cost may be higher, durable products can prevent the cycle of frequent replacements, ultimately contributing to long-term savings and less waste.
Remember, not every purchase necessitates the highest quality option. Examine which items you frequently use and can benefit from in the long run. For instance, driving a Toyota or buying higher quality shoes.
Once you’ve identified these, invest in quality for those and enjoy the satisfaction of a purchase that lasts.
9. Optimize Grocery Shopping
To optimize grocery shopping and manage your food budget effectively, start by thoroughly checking your current pantry supplies and making a precise shopping list to deter impulse purchases.
Utilize coupons and enroll in local store loyalty programs for exclusive discounts.
Embrace meal planning to avoid unnecessary spending.
Consider incorporating meatless meals, as this can contribute to consistent savings over time due to the typically higher cost of meat compared to vegetables and other plant-based options.
Plan meals around these cheap foods when you are broke.
By shopping smartly, you have the power to drastically lower your monthly food bill. Just remember, the key is preparation and discipline.
10. Repairing items instead of replacing them
Repairing items instead of replacing them can be a significant money-saving tactic, especially when budgets are tight. It’s often more cost-effective to fix a piece of furniture, mend a garment, or troubleshoot an appliance than it is to buy new one.
Consider the condition and value of each item before deciding to repair it. If the cost of repair approaches the price of a new item, or if it’s beyond your skill set, researching community resources or seeking professional help may be a wise choice.
11. Practicing the 30-day rule for non-essential purchases
Putting the brakes on impulsive buying can significantly boost your savings, and practicing the 30-day rule is a tried-and-true method to control those urges.
Before you make any non-essential purchase, wait 30 days.
If after a month you still feel the purchase is necessary or meaningful, then consider buying it.
Remember that the goal isn’t to deny yourself enjoyment but to ensure that each purchase is considered and valued. This conscious approach can lead to more satisfaction with the items you do choose to buy and a healthier bank balance.
12. Skip the Car Loan
Opting out of a car loan and finding alternative modes of transportation, such as cycling, walking, or using public transportation, can lead to significant financial savings.
Without a car payment, individuals can redirect the funds that would have gone towards monthly installments, insurance, and maintenance into their savings account.
This strategy can be particularly impactful for those with a goal in mind or working with a low income, as every dollar saved moves them closer to financial stability. Furthermore, the elimination of auto loan interest charges and potential debt can provide a more secure financial footing and peace of mind.
13. Using public transportation or carpooling to reduce fuel costs
Utilizing public transportation or carpooling can be significant in reducing fuel costs, particularly when you’re committed to saving money on a low income. These alternatives to solo driving not only save on fuel but also on parking fees, and wear and tear on your vehicle.
Another option is embracing car-sharing services, especially if you find that you don’t require a car on a daily basis. Services like Turo and Getaround offer the flexibility of having a car when you need one without the constant financial responsibility associated with ownership.
Remember, it’s all about what suits your lifestyle and frequency of need. By assessing how often you need a vehicle and comparing it with the total costs of ownership, car-sharing could be an excellent way to save money.
14. Selling unused or unwanted items for extra cash
Selling unused or unwanted items is a fantastic way to declutter your space and earn extra cash. You might be surprised how much money you can make by letting go of things you no longer use or need. From clothes you’ve outgrown to homeware that’s gathering dust, each item sold can inch you closer to your savings goal.
Take advantage of this opportunity; a thorough home audit could reveal a treasure trove of sellable items right under your nose. Not only does this increase your income, but it also helps you consider future purchases more carefully.
15. Taking advantage of free entertainment and community events
Leveraging free entertainment and community events is a delightfully frugal way to enjoy yourself without breaking the bank. From concerts and exhibitions to workshops and meet-ups, there’s often a wealth of activities that won’t cost you a penny.
In fact, here at Money Bliss, I have the most popular list of things to do with no money.
With a little creativity and resourcefulness, you can uncover a variety of enjoyable and inexpensive things to do.
16. Automating savings to ensure consistent contributions
Automating your savings is a hassle-free way to ensure you consistently contribute to your financial goals.
By setting up an automatic transfer from your checking account to a savings account, you’re essentially paying your future self first.
This ‘set and forget’ approach helps grow your wealth with minimal effort.
17. Negotiating bills and asking for better rates
Many service providers are open to negotiating prices if it means retaining a customer. Whether it’s your cable package, insurance, or even a credit card interest rate, it’s worth having the conversation.
Remember, the worst they can say is no. But often, companies will offer helpful options when they realize you are considering alternatives due to cost concerns.
One phone call could save you $1000 a year – just like when I decreased my cable bill!
18. Evaluating insurance policies for potential savings
When evaluating insurance policies, it’s critical to regularly assess your coverage needs and shop around for the best rates. Comparing policies from different providers annually can reveal opportunities for lowering premiums or finding more suitable coverage.
Utilize online tools and independent insurance agents to ensure a comprehensive review of available options.
Remember to inquire about bundling policies, as this can often lead to significant savings while consolidating your insurance needs effectively.
19. Meal Planning and Prep: Strategies to Reduce Food Waste
By allocating some time each week to plan your meals, you can ensure that you only buy what you need, thereby minimizing waste and cost.
Learning to meal plan starts with looking at a calendar and a local sales flyer to find the low cost deals.
By creating a weekly plan and incorporating budget-friendly recipes, you can not only eat healthier but also avoid the costlier option of dining out.
20. Forgo single use items
By choosing reusable items over single-use ones, you cut down on waste and habitual spending on disposables. This is also known as frugal green.
For instance, investing in a reusable water bottle, rather than buying single use water bottles.
By integrating sustainable products into your life, you also promote a culture of conservation and mindfulness, inspiring others to make eco-friendly choices.
21. Shopping for groceries with a list to avoid impulse buys
This is key! Especially when shopping with kids or a significant other!
Shopping for groceries with a list is a golden rule to avoid impulse buys, which can quickly derail your budget. By planning your purchases beforehand, you stick to the essentials and resist the temptation of sale items that aren’t on your list or don’t fit your meal plan.
Bonus Tip: Remember to always shop on a full stomach – hitting the grocery store hungry is a surefire way to end up with impulse purchases that aren’t on your list!
22. Buying generic brands instead of name brands
Opting for generic brands rather than name brands is a straightforward and effective way to save money on everything from groceries to over-the-counter medications. These products are often of similar quality and effectiveness but come at a significantly lower cost.
By making the switch to generics, especially for regularly used items, the aggregate savings can be substantial over time.
23. Making bulk purchases for commonly used items to save on cost-per-unit
When you buy in larger quantities, the cost per unit typically decreases, leading to savings that add up over time. Bulk buying works best for non-perishable goods or products you use consistently.
Make a point of buying non-perishable items or products with a long shelf life in bulk to avoid waste and ensure that you truly save money with each bulk purchase.
Just make sure you are going to use it!
24. Cutting costs on personal care by DIY methods
DIY methods for personal care are not just a trend – they’re a practical and often healthier alternative to store-bought products. By creating your own beauty and personal care items, you can significantly trim costs and take control of what goes on and into your body.
Even if you’re not the crafty type, consider starting small with something like a DIY sugar scrub or homemade toothpaste. This is something I did over ten years ago. You might discover a new hobby that enhances both your well-being and your budget.
25. Regular maintenance of vehicles and appliances to prevent costly repairs
Keeping on top of maintenance schedules helps prevent major breakdowns that can lead to expensive repairs down the line.
By making regular maintenance a non-negotiable part of your routine, you protect your investments and save yourself from future financial headaches.
I keep a list in my digital to do list, so I never lose track.
26. Shopping at thrift stores, garage sales, or second-hand websites
Shopping at thrift stores, garage sales, or second-hand websites is an excellent way to acquire items at a fraction of the retail cost. Not only are you being financially savvy, but you’re also participating in the circular economy, reducing waste, and often supporting charitable causes.
Shopping second-hand first is not just about saving money—it’s a lifestyle choice. With patience and persistence, it’s amazing what quality items you can find without impacting your wallet heavily.
27. Learning basic sewing to repair clothes
Mastering the basics of sewing to mend your clothes is a skill that pays off in multiple ways. You save money by extending the life of your garments, reducing waste, and developing a practical capability that can come in handy in various situations.
Honestly, sewing a piece of clothes is a very simple thing. Something that must be learned by the younger generations.
Consider setting aside some time to learn sewing basics via online tutorials, community classes, or even from a friend or family member—it’s a practical step toward financial savings and sustainable living.
28. Utilizing coupons and discounts for shopping
Using coupons and discounts strategically can lead to significant savings on your shopping bills. With a little planning and some savvy shopping techniques, you can ensure you never pay full price for essentials and other purchases.
Remember to only use coupons for items you were already planning to purchase; otherwise, you’re not saving money, you’re just spending less on something extra.
29. Consolidating debt to reduce interest rates
Debt consolidation can be a strategic financial move to lower your overall interest rates and simplify your monthly payments. By combining your debts into one loan with a lower interest rate, you can streamline your bills and potentially save significant amounts of money over time.
Make sure to shop around for the best debt consolidation options and read the fine print. The goal is to find a consolidation plan that truly puts you on a faster track to being debt-free without any hidden costs.
30. Tackle High-Interest Debts First to Free Up More Cash
Addressing high-interest debts is paramount in optimizing your financial strategy. Such debts, often from credit cards or payday loans, can spiral out of control if not managed promptly due to their compound interest rates, which can quickly exceed the original amounts borrowed.
This is known as the debt avalanche.
By zeroing in on high-cost debts, you ensure your income is spent more effectively and not wasted on steep interest fees, accelerating your path to financial freedom.
31. Choose the Right High-Yield Savings Account for Your Emergency Fund
Selecting the right high-yield savings account for your emergency fund is an essential move for growing your savings. High-yield accounts offer interest rates significantly higher than standard accounts, ensuring your emergency fund doesn’t stagnate and keeps pace with inflation as much as possible.
This is one of the bank accounts you need.
32. Implement The Envelope System
The Envelope System is a budgeting method that involves physically dividing your cash into envelopes for different spending categories.
Utilizing the cash envelope system promotes disciplined spending by providing a tangible limit on various expense categories, ensuring you stay within your pre-determined budget and facilitating more intentional money management.
This method also offers immediate visual feedback on spending patterns, which can lead to better financial habits and incremental savings as any leftover cash from each envelope can be added directly to a savings fund, making the act of saving more rewarding and motivating.
33. Using cash -back envelopes to track spending
The use of cash-back envelopes takes the traditional envelope budgeting system a step further by rewarding yourself with savings.
Whenever you spend less than the allocated amount in a budget category, you place the cash difference into a “cash-back” envelope, which can be used for saving or investing.
Adopting the cash-back envelope strategy can provide a rewarding twist to budgeting, making it a fun challenge to spend less and save more.
Boost Your Income: Creative Side Hustles and Opportunities
Boosting your income can provide substantial financial relief, particularly when you’ve maximized your ability to cut costs and still find your expenses stretching your budget thin.
Generating extra income, be it through a side hustle or achieving a raise enhances your ability to save and invest.
With additional streams of revenue, you gain more financial flexibility to achieve goals like paying off debt faster, saving for a significant purchase, or building an emergency fund.
Finding a side hustle or part-time job for additional income
Exploring a side hustle or part-time job is a proven way to supplement your income. In today’s gig economy, there are numerous opportunities for flexible work that can be customized to fit your skills and schedule.
A side hustle can not only pad your wallet but also provide an outlet for creativity and passion, possibly even offering a new career trajectory down the line.
Explore Gig Work and Passive Income Streams
Exploring gig work and passive income streams can accelerate your savings efforts, especially when your regular income isn’t enough to reach your financial goals. These alternative income ideas often provide the flexibility to work on your terms and build up earnings over time.
These revenue channels provide a proactive approach to increasing your disposable income. Researching and choosing the best options for your skills and financial situation can help you build a sound extra income strategy.
Take Advantage of Bank Bonuses and Credit Card Bonuses
Banks often offer attractive incentives to new customers, and high-interest savings accounts can grow your deposits at a faster rate than traditional accounts. The same is true for credit card issuers offering big bonuses.
Taking time to research the best offers and account terms can net you a nice bonus and put your money to work earning more money.
Learn How to Invest Your Money
Learning how to invest your money is paramount to building wealth over time. While it can seem intimidating at first, understanding the basics of investing can enable you to take advantage of compounding interest and market growth to increase your savings exponentially.
Start small, stay disciplined, and continually educate yourself as you grow your investment portfolio. Over time, your investments can become a significant source of wealth and financial security.
Learn how to invest in stocks for beginners.
FAQs: Navigating the Path to Low-Income Savings Success
Saving money when your income barely covers your fixed expenses requires a strategic approach. Begin by scrutinizing your budget to cut any non-essential costs.
Look for ways to reduce your fixed monthly expenses, like negotiating bills or refinancing loans.
Every small change can contribute to your savings, so focus on making incremental adjustments that together can enhance your financial situation.
Even when funds are tight, saving money is possible by making small but impactful changes.
Prioritize reviewing your expenses and identifying areas to cut back, such as non-essential subscriptions or eating out.
Round up loose change or small amounts from your daily transactions into savings.
Seek free entertainment options and consider generating additional income through side hustles or selling items you no longer need.
Each penny saved is a step towards your financial cushion.
Setting Realistic Savings Goals and Celebrating Milestones
Setting realistic savings goals is a key to financial success, particularly when managing a low income.
Determine what you can feasibly save without overstretching your budget. Whether it’s $5 or $50 per week, every bit helps.
Celebrating your achievements, no matter how small, can inspire continued discipline and dedication towards your financial objectives.
Being realistic and flexible with your budget will help you manage your finances more efficiently, ensuring that you set aside money for future growth, even when funds are tight.
This is a great step towards habits of financially stable people!
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Louisiana has a rich mix of culture, history, and natural beauty. From the vibrant jazz rhythms that echo through the streets of New Orleans to the historic charm of Baton Rouge, the state captivates visitors with its unique blend of Creole and Cajun influences. Whether exploring the lively French Quarter or meandering along the serene bayous, Louisiana offers a sensory feast for the adventurous traveler. However, living in Louisiana comes with its own set of challenges. In this ApartmentGuide article, we’ll go through the pros and cons of living in Louisiana, providing you insight on what life is like in the state.
Renting in Louisiana snapshot
1. Pro: Rich cultural heritage
Louisiana’s cultural heritage is evident in its diverse architecture, vibrant traditions, and exuberant festivals. For example, the French Quarter in New Orleans stands as a living testament to the state’s colonial past, with its picturesque streets lined with historic buildings dating back centuries. Annual events like Mardi Gras and Jazz Fest epitomize Louisiana’s multicultural influences, drawing visitors from around the globe.
2. Con: Hurricane risk
Louisiana’s geographical location along the Gulf Coast exposes it to a significant risk of hurricanes, which can result in catastrophic damage to homes, infrastructure, and communities. For instance, Hurricanes Katrina and Rita in 2005 left a trail of destruction in their wake.
3. Pro: Culinary scene
Louisiana’s culinary scene is renowned worldwide for its tantalizing array of flavors and dishes that reflect the state’s cultural melting pot. From iconic classics like gumbo and crawfish boils to innovative fusion cuisine blending Cajun, Creole, and international influences, Louisiana offers a gastronomic adventure for food enthusiasts. For instance, the West Bank area of New Orleans is celebrated for its Vietnamese-Cajun cuisine, where dishes like pho and crawfish are creatively combined to create unique culinary delights.
4. Con: Mosquitoes and pests
Louisiana’s warm and humid climate provides an ideal breeding ground for mosquitoes and other pests, which can be a persistent nuisance and pose health risks to residents. From pesky mosquitoes swarming during outdoor activities to invasive species like Formosan termites wreaking havoc on homes and structures, you’ll want to try preventative measures to mange them.
5. Pro: Natural beauty and outdoor activities
Louisiana’s natural beauty is as diverse as it is breathtaking, encompassing swamps, bayous, and coastal marshes teeming with wildlife. Residents have many opportunities to immerse themselves in the picturesque scenery, whether it’s embarking on a swamp tour to encounter alligators and herons, kayaking through the tranquil waters of the Atchafalaya Basin, or birdwatching in the pristine habitats of the Sabine National Wildlife Refuge.
6. Con: Poor infrastructure
Louisiana ranks as one of the top 10 states with the worst infrastructure. The state faces ongoing challenges, including aging roads, bridges, and levees, which are susceptible to damage from hurricanes and other natural disasters. For example, the state’s transportation network may suffer from congestion, potholes, and delays, impacting residents’ daily commutes and hindering economic development.
7. Pro: Vibrant music scene
With genres ranging from jazz and blues to zydeco and Cajun music, Louisiana’s music scene is known around the globe. Cities like New Orleans and Lafayette are great cities to find some live music, where residents can revel in performances by local musicians and renowned artists. From the soulful melodies of jazz bands in Frenchmen Street to the infectious energy of zydeco dance halls, Louisiana’s music scene is an integral part of its cultural identity.
8. Con: Traffic congestion
Urban areas in Louisiana, particularly New Orleans and Baton Rouge, grapple with heavy traffic congestion, especially during peak hours, leading to frustration for drivers and increased pollution levels. From gridlocked highways to bottlenecked intersections, navigating the city streets can be a daunting and time-consuming task, impacting productivity and quality of life for residents.
9. Pro: Sports culture
Louisiana residents are fervent sports enthusiasts, with football reigning supreme as a source of community pride and camaraderie. Whether it’s cheering on the New Orleans Saints in the electric atmosphere of the Superdome or the LSU Tigers at the iconic Tiger Stadium, sports culture unites fans across the state in a shared passion for their teams.
10. Con: High humidity
Louisiana’s subtropical climate brings high humidity levels, especially during the hot and humid summer months, which can make outdoor activities uncomfortable and exacerbate feelings of heat exhaustion. From sticky, sweltering days to muggy nights, coping with the oppressive humidity can take a toll on residents’ physical comfort and well-being.
11. Pro: Festive atmosphere
You’ll find a festive atmosphere year-round in this state, with a calendar brimming with cultural celebrations and events that showcase Louisiana’s way of life. From the colorful pageantry of Carnival season with its elaborate floats and masked revelers to community festivals celebrating everything from seafood to music, there’s always something to celebrate in Louisiana.
12. Con: Limited public transportation
Outside of larger cities like New Orleans, public transportation options in Louisiana may be limited, leaving residents without access to personal vehicles at a disadvantage. For instance, rural areas may lack reliable bus services or commuter rail connections, making it challenging for residents to access essential services, employment opportunities, and educational institutions.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
Getting the most money possible when selling your car isn’t as difficult as it once was. The internet allows you to reach a wider audience and increase your odds of finding a buyer willing to pay more — whether selling to an individual, online-only auto retailer or traditional dealership.
When choosing where to sell your car, the decision comes down to whether your top priority is convenience and speed or getting the highest sales price. If your main objective is getting the most money, expect to spend a little more time in your endeavor.
Here are steps to help you get the most money for your car, from prepping for the sale to selecting the best sales platform.
Preparing to sell your car
Before presenting your car for sale, there are some preliminary steps to take. These can vary depending on where and how you intend to sell it.
Know your car’s fair market value
Regardless of where you sell your car, research what dollar amount you can realistically expect to receive. Online valuation sites like Edmunds or Kelley Blue Book show average prices paid to buy a vehicle like yours from individual sellers or dealerships in your area. Providing your vehicle identification number (VIN) or license plate number, as opposed to just entering the make and model, will give you a more accurate value.
Have a price range that you’ll accept in mind. That way you can be prepared to set your asking price at the high end if you create your own listing. And, you’ll know a realistic bottom line if a potential buyer wants to negotiate or a dealership makes you an offer.
Invest time to present your car in its best light
Clean your car inside and out, and have this done professionally if possible to remove any odors or stains. You may also want to clean the engine bay and make any minor repairs, such as restoring cloudy headlights. Your car’s appearance can be very important in convincing a potential buyer (or dealer) that the vehicle is well-maintained and worth more.
Also, gather maintenance records as proof that your car has been taken care of and is less likely to have mechanical problems.
Create a detailed description of your car
This step is needed only if you plan to list your car on sites that sell to private parties. Write a description that shows and tells potential buyers why your car is worth the price you’re asking. Take quality photos from all angles, and write a description highlighting selling points like low mileage, upgrades or any remaining transferable warranty.
Choosing where to sell your car
A lot has changed since the days of selling your car by putting a “for sale” sign in its window, a flyer in the supermarket or a classified ad in the local newspaper. While those are still options, you have a wide range of other possibilities available, too.
Here we focus on the three main avenues for selling a car — selling to an individual, to an online-only retailer or to a traditional dealership. Some websites enable you to use more than one approach, for example getting both private party and dealer offers for your car.
We’ll start with the option that typically results in car sellers receiving the highest prices.
Sell your car to an individual or private party
Selling your car to an individual, also called a private-party sale, is typically where you can get the most money. However, it can also be more time-consuming and come with added risk.
You can use traditional ways of letting people know your car is available, like word of mouth. But you can reach a bigger audience by listing your car on online private sales sites — like Facebook Marketplace, Craigslist, Autotrader or eBay Motors.
While you can make the most selling your car privately, that amount could be reduced slightly by certain expenses. Some private sale sites let you list a car for free while others charge a fee, so consider what you’ll be paying. For example, Autotrader charges $49 for a listing, but this fee also includes a Kelley Blue Book listing and a free vehicle history report for possible buyers. Remember to take into account whether you could have travel or transport expenses to get your car to someone who doesn’t live near you.
Also, be wary of scams when selling your car to an individual, which could be the difference between receiving the most money for your car or not receiving payment at all. Scammers can fake just about every form of payment — including cash, cashier’s checks and certified checks. If your buyer is local, you could meet at that person’s bank to ensure the cash or check is legitimate.
If the buyer isn’t local, using an escrow company — a third party that holds your car title until payment is confirmed — is a good option. But beware that escrow companies can be fake, too. To avoid escrow fraud, don’t use a company suggested by the buyer. Take time to identify a legitimate escrow service, such as a local bank or attorney, or a well-known online service. AutoTrader offers escrow services when you sell through its site, but expect to pay the greater of $49 or 0.99% of the car’s selling price.
Sell to an online used car retailer
Selling your car directly to an online-only car retailer, like CarMax, Carvana or NerdWallet’s own Automotive Marketplace, provides a middle ground. The nonnegotiable offer you receive is likely to be less than what you could get from an individual buyer. However, it’s typically quite a bit more than you would get from a traditional dealership.
Online auto retailers provide an easy way to submit your vehicle information online, receive an immediate offer and in some cases even have your car picked up. At pick-up, you’ll most likely have a check handed to you, or you may receive payment into your bank account via direct deposit or wire transfer. You won’t have to worry about scammers or a possibly drawn-out process of fielding inquiries from strangers.
Online retailers do have vehicle requirements. For example, Carvana only buys cars that are model year 1992 or newer, have a working odometer and are safe to drive. However, if your vehicle doesn’t meet such requirements, you may have options to sell to companies like Peddle and NerdWallet Automotive Marketplace that accept older and damaged vehicles.
Sell to a traditional car dealership
Selling your car to a nearby used car lot may be convenient, but it’s usually where you’ll get the least amount of money. Brick-and-mortar dealerships have overhead business expenses that individuals and online retailers don’t, so dealer offers are commonly the least competitive.
Occasionally a dealer might beat other offers, especially if you’re selling an in-demand car that the dealer needs in inventory, but that isn’t the norm. And, it’s up to you to provide other, higher offers for the dealer to beat.
One way to do this is to get offers from online-only retailers, then ask the traditional dealership if it can do better. Another option is to get and compare offers from many dealers through companies like Cars.com, CarGurus and TrueCar, where you can request bids from local dealers or a network of dealerships.
🤓Nerdy Tip
If you’re buying a car from a dealer and trading in your old one, expect the trade-in value to be less than what you could get selling the car yourself. But you may pay less in taxes, since most states charge sales tax on the difference between the trade-in value and new-car price.
Getting more offers can mean more money
Whether you decide to sell your car privately, through an online retailer or at a local dealership — or in some combination of the three — it’s a good idea to cast a wide net. Unless you’re paying to list on a private sale site, it won’t cost you anything to seek offers from multiple sources.
For example, offers from sites like CarMax and Carvana can vary by thousands of dollars, and one doesn’t consistently pay more than the other. So why not get offers from both, along with several other sites? It’s a small investment of time to find the highest offer and make the most possible when selling your car.
Set against the vast desert landscape of Arizona, the city of Mesa embodies the essence of Southwestern living. As the third-largest city in the state, Mesa boasts a unique blend of rich cultural heritage, outdoor adventure, and modern amenities. From its historic downtown district to the breathtaking vistas of the nearby Superstition Mountains, Mesa offers residents a lifestyle that seamlessly intertwines tradition with innovation. With over 300 days of sunshine each year it’s no wonder people find themselves asking, “Should I move to Mesa?” In this article, we’ll discuss the pros and cons of living in this city to help you decide if it’s the right place for you. Let’s get started.
Mesa at a Glance
Walk Score: 38 | Bike Score: 60 | Transit Score: 27
Median Sale Price: $458,500 | Average Rent for 1-Bedroom Apartment: $1,300
Mesa neighborhoods | Houses for rent in Mesa | apartments for rent in Mesa | Homes for sale in Mesa
Pro: Plenty of outdoor activities
Mesa is a paradise for those who love the outdoors. With its proximity to the Tonto National Forest and the Superstition Mountains, locals have easy access to hiking, mountain biking, and camping. The city’s parks, such as Red Mountain Park, offer ample green spaces for picnics, sports, and leisure activities. The Salt River provides opportunities for tubing and kayaking, making Mesa a great place for adventure seekers and nature lovers.
Con: Summer heat
One of the biggest challenges of living in Mesa is the intense summer heat, with temperatures often soaring above 100 degrees Fahrenheit. This extreme weather can limit outdoor activities during the hottest months, from June to September. Residents must rely heavily on air conditioning, leading to higher electricity bills. The heat also can also pose health risk for some individuals.
Pro: Exciting cultural attractions
Mesa boasts a vibrant cultural scene unique to the city. The Mesa Arts Center is a hub for arts and entertainment, offering theater productions, concerts, and art exhibitions. The Arizona Museum of Natural History and the i.d.e.a. Museum is a popular place to visit for those interested in science and creativity. These cultural institutions enrich the community, providing educational and leisure activities for all ages.
Con: Public transportation limitations
While Mesa offers some public transportation options, including buses and a light rail that connects to Phoenix, the system’s coverage is limited. With a Transit Score of 27, it can be challenging for those without a car to navigate the city efficiently. The reliance on personal vehicles contributes to traffic congestion and can be a barrier for residents seeking eco-friendly transportation options or those who prefer not to drive.
Pro: Economic growth
Mesa has been experiencing significant economic growth, attracting businesses and job seekers alike. The city’s strategic location in the Phoenix metropolitan area, coupled with a supportive business environment, has led to the development of key industries, including aerospace, healthcare, and technology. This growth provides locals with diverse employment opportunities and contributes to the local economy.
Con: Air quality concerns
Due to its location in the Valley of the Sun and the presence of industrial activities, Mesa sometimes faces air quality issues. Dust storms, known locally as “haboobs,” along with high ozone levels, can affect those with respiratory conditions. The city’s air quality can be a concern, particularly during the summer months when pollutants tend to accumulate.
Pro: Proximity to other cities
Mesa’s location in the Phoenix metropolitan area offers the advantage of being close to other cities, including Phoenix, Scottsdale, and Tempe. This proximity allows people to easily access the amenities, job opportunities, and entertainment options available in these neighboring cities. Whether for work or leisure, Mesa’s central location provides the best of both worlds—suburban comfort with urban convenience.
Con: Summer water usage restrictions
Due to the desert climate and the need for water conservation, Mesa sometimes implements water usage restrictions, especially during the hot summer months. These restrictions can affect activities such as watering lawns or filling swimming pools. While necessary for sustainability, these measures can be inconvenient for residents and require adjustments to daily routines.
Pro: Good biking infrastructure
With a Bike Score of 60, Mesa has a network of bike-friendly routes, trails, and amenities that make cycling a convenient mode of transportation and recreation for residents. For example, the Mesa Canal Path follows the historic Arizona Canal and provides cyclists with scenic views of the city. Additionally, Mesa features dedicated bike lanes and shared pathways along major roads and streets, enhancing safety and accessibility for cyclists.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
When you think about the cars wealthy Americans choose to drive (or choose to have someone drive for them), you probably imagine customized Bentleys, Rolls Royces, Ferraris, and Lamborghinis. And in some cases, you’d be right. Those luxury car brands — along with BMW, Mercedes-Benz, and Audi — are popular with the rich and very rich in the U.S. and worldwide.
But they aren’t the car brands of choice for all high-income consumers. Some of the wealthiest people in the U.S. are driving vehicles from manufacturers that might surprise you, including Fords, Toyotas, and Hondas.
Read on for a look at the surprising car brands that rich Americans are buying and why.
What Is a Luxury or “Rich People” Car Brand?
Brands that are popular with wealthier car buyers typically have a reputation for superior performance, craftsmanship, high-quality materials (inside and out), and advanced technology. They also may have extra amenities to make them more comfortable and attractive, and to provide a better driving experience.
Luxury car brands also generally offer a higher level of customer perks, such as extended warranties, complementary maintenance, roadside assistance, and concierge services.
Of course, cars from more prestigious brands have higher price tags. New cars range from $40,000 to more than $100,000 — and over $500,000 for a higher-end brand like Rolls-Royce. Before you settle on any particular brand or model, you’ll want to determine how much you should spend on a car. 💡 Quick Tip: When you have questions about what you can and can’t afford, a money tracker app can show you the answer. With no guilt trip or hourly fee.
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Examples of Popular Luxury Car Brands
Several long-standing carmakers — and a few newer brands — are known to appeal to high-earning drivers:
• Acura A division of Honda, Acura made the first true Japanese luxury car sold in America. Like Genesis below, Acura is known for offering buyers more bang for their buck.
• Audi The German car manufacturer began gaining popularity stateside in the 1970s, and grabbed even more fans in 1980 when it unveiled the innovative Quattro, an all-wheel-drive sport coupe.
• BMW Another German company, BMW sold 362,244 vehicles in 2023, setting a new annual record for the brand in the U.S. BMW is the best-selling luxury auto worldwide.
• Cadillac Cadillac is America’s most prestigious domestic luxury automaker. Owned by General Motors, the brand has long been a favorite of older drivers. Models that appeal to younger buyers include its Escalade SUV and CTS sport sedan.
• Genesis Genesis is a newer car brand (launched in 2009) that built its reputation by offering luxury at a competitive price. Its parent company is the Korean automaker Hyundai.
• Land Rover The Land Rover brand, which began in England but now is owned by the Indian automaker Tata Motors, sells only SUVs. Its iconic Range Rover debuted in America in 1989.
• Lexus Owned by the Japanese automaker Toyota, the carmaker was named the most reliable of all car brands in 2023 and 2024 by J.D. Power Associates. Lexus is known for its upscale designs, comfortable cabins, and a smooth, quiet ride.
• Mercedes-Benz The German company, which has been making cars for more than 100 years, is known for its loyal fan base, attention to detail, and focus on customer service and comfort.
• Tesla Tesla Motors is an American car brand that makes vehicles that run on electricity.
What Car Brands Are Rich Americans Choosing?
Luxury brands like BMW, Mercedes-Benz, and Lexus are among the most popular with wealthy American car shoppers who are looking for reliability, prestige, extra amenities, comfort, and top customer service. And Teslas, which range in price from about $43,000 to well over $100,000, remain among the top-selling electric vehicles in the U.S.
But the line between luxury and mainstream brands is blurring, according to the car-shopping website Edmunds. Carmakers like Ford, Volkswagen, and Mazda are adding more upgraded models to their lineups, while high-end makers are offering smaller and more affordable cars.
And then there’s a much-publicized report from Experian Automotive, which found more than 60% of Americans who earn $250,000 or more aren’t sticking strictly to luxury brands. When Experian crunched the numbers in their huge database to see what wealthier folks choose to drive, it turned out there were three Honda models, a Toyota, and a Volkswagen on their Top 10 list.
Rich and famous car buyers also tend to like their pickup trucks. And though the Tesla Cybertruck is the new celeb must-have, you might also see photos of Dwayne “The Rock” Johnson or Lady Gaga driving their Ford F150s, Sean Penn gassing up his Nissan Titan, or Ben Affleck in his Dodge Ram 2500.
Recommended: Car Value vs Truck Value
Pros and Cons of Luxury Car Brands
There are many reasons why people long to drive a luxury car — from the prestige to the performance to the high-end amenities and potential add-ons. But there are pros and cons to buying the kind of cars rich people often own:
Pros
• High-end brands are generally known for their reliability and advanced technology.
• Because luxury cars can quickly depreciate in value, used models can be found at bargain prices — especially if you’re buying a high-mileage car.
• Luxury car brands often offer a more comprehensive warranty and other customer perks.
Cons
• The cost of a high-end car can get in the way of important financial goals or keep you from enjoying things you care about, like good food and wine.
• Luxury models tend to depreciate in value much faster than mainstream cars.
• A luxury car can cost more to insure, and when the warranty runs out, it will likely cost more to repair.
Recommended: Should I Buy a New or Used Car?
Popular Alternatives to Rich Car Brands
While you’re saving up for a car, and before deciding which car brand you hope to purchase, take time to prioritize what you want from your ride. You may find you can get what you’re looking for without paying luxury prices. For example…
• Safety First According to the Insurance Institute for Highway Safety, 2024’s safest cars include models from Kia, Honda, Mazda, Toyota, Nissan, and Subaru.
• Luxe Interior U.S. News & World Report named Volvo, Chevrolet, Ford, Hyundai, GMC, Kia, Jeep, and Honda among the car brands with the nicest interiors in 2023.
• Designer Chassis The Toyota Prius, Honda Accord, Hyundai Santa Cruz, Kia Soul and EV6, Jeep Wrangler, Mazda 3, and Ram 1500 all made U.S. News & World Report’s list of the best looking cars of 2023.
• Most Reliable When Consumer Reports road-tested and ranked 34 car brands this year, the top 10 included Subaru (#2), Honda (#4), Mini (#6), Kia (#7), Mazda (#8), Toyota (#9), and Hyundai (#10).
• Biggest Bang for Your Buck Honda and Kia had the most models on U.S. News & World Report’s list of the “2024 Best Cars for the Money.”
💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.
Tips for Choosing a Car Brand
If you’re set on buying a luxury car, or if you’re still trying to decide which brand or model is right for you, here are a few things to consider:
• Does the luxury car brand you’re looking at offer something you can’t get from a mainstream carmaker? It can help to test-drive cars from a few different brands to compare the features that are most important to you. You might end up confirming your decision to go with the luxury brand. Or you may find a mainstream model that offers high-end comfort and performance but at a more competitive price.
• Do you plan to hold onto the car for a while, or will you sell it in a few years? Some luxury brands and models tend to lose value more quickly than others. (Here’s how to spot a good car-value estimate.) So you may want to research your top picks before you sign on the dealer’s dotted line and drive your new car off the lot.
• Could you be satisfied with a used car from your favorite luxury brand? Because luxury brands tend to depreciate faster, you may be able to find a used model that’s much more affordable than buying new.
• Can you afford it? Before you fall in love with that pricey BMW or Benz, you may want to take a look at another “b” word: your budget. Using a free budget app can help you figure out how much you can spend on your down payment, monthly car payment, and auto insurance costs, and if those costs will mesh with your other expenses and financial goals.
The Takeaway
Purchasing a luxury car is mostly an emotional decision: You buy one because you want it, not because you need it to get around.
If you’re rich, and you can afford to pay for the perks and prestige of an upscale brand, you may not give the cost a second thought. But even some wealthier car buyers are choosing mainstream brands, perhaps because they’ve found a model they want or they don’t care about the extras or the label.
How can SoFi help? Just as with any major purchase, it’s a good idea to do some research before you buy your next car. SoFi Relay can help you track your spending, monitor your credit, build a budget, and more. Once you run the numbers and know where you stand, you can feel more confident about your purchase, no matter what car you decide to buy.
See exactly how your money comes and goes at a glance.
FAQ
Which car brand is driven most by millionaires?
Though wealthy consumers are known for buying luxury car brands like Rolls-Royce, Mercedes-Benz, Jaguar, or Porsche, you might also find them driving mainstream brands such as Honda, Toyota, and Ford.
What is the most common car for rich people?
BMW is the best-selling luxury carmaker in the world.
What percentage of millionaires choose to buy used cars rather than new cars?
In their 2010 book The Millionaire Next Door, authors Thomas J. Stanley and William D. Danko state that nearly 37% of the millionaires they surveyed reported buying used cars. But in some cases, a millionaire’s “used car” may be one of several vehicles the driver owns, or even part of a collection of classic or vintage autos.
Photo credit: iStock/mevans
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Series I Savings Bond rates are set to change on May 1, 2024, when the new rates will be announced. To give some perspective, for Series I Bonds issued from November 2023 through April 2024, the yield (composite rate) was 5.27% for six months after the issue date. So, is now a good time to buy I bonds?
Investors with a long-term savings outlook who are looking for a safe investment may want to consider investing in Series I Savings Bonds, commonly known as I Bonds. I Bonds are similar to most bonds in that they are essentially a loan to an entity (in this case the U.S. government), with the promise to return your money with interest. I Bonds are different in that they may offer some tax breaks as well. Here are nine important things to know before you invest in I Bonds.
9 Important Things to Know Before You Invest in I Bonds
1. I Bonds May Offer a Higher Rate, But Not a Fixed Rate
For those looking for low-risk investment returns, I Bonds may be a good option, but they are not traditional fixed-income securities. I Bonds are a type of savings bond offered by the U.S. Treasury and backed by the full faith and credit of the U.S. government. They are unique in that they offer two types of interest payments: a fixed rate and a variable rate, which together provide the bond’s composite rate.
The fixed-rate portion is determined when the bond is purchased, and remains the same for the life of the bond. The variable rate gets adjusted twice a year (i.e., May and November), based on inflation rates. Investors may hold I Bonds for up to 30 years.
In May 2022, when inflation was high, I Bonds paid up to 9.62%. But as inflation cooled, the variable rate dropped. As mentioned, I Bonds issued from November 2023 through April 2024 have a composite rate of 5.27% for six months after the issue date, until the variable rate changes again.
💡 Quick Tip: Help your money earn more money! Opening a bank account online often gets you higher-than-average rates.
2. Your I Bond Principal Is Guaranteed
Because I Bonds are backed by the U.S. government they have a low risk of default and offer tax-advantaged interest income. Furthermore, the principal is guaranteed. This means (unlike traditional, non-government bonds) that the redemption value will never decrease. This is one of the advantages of savings bonds as a whole. As a result, I Bonds are considered low-risk investments.
3. I Bonds Offer Some Tax Breaks
Tax-efficient investors may want to consider certain I Bond features. Because I Bonds are exempt from municipal or state taxes, this can be a boon for some investors. That said, while federal taxes usually apply, they could be deferred until the bond is ultimately sold or matures; whichever happens first.
Additionally, I Bond investors may use the interest payments for qualified higher education expenses, and receive a 100% deduction (this is called the education exclusion). Some restrictions apply, including:
• You must cash out your I Bonds the year that you want to claim the education exclusion.
• You must use the interest paid to cover qualified higher education expenses for you, your spouse, or your dependent children the same year.
• You cannot be married, filing separately.
4. I Bonds Are Similar to E Bonds & EE Bonds
Investors who are familiar with the Series E Bond may also find I Bonds appealing. While Series E Bonds are no longer available from the Treasury, they can still be purchased from other investors who currently hold them. Historically, Series E bonds were also known as defense or war bonds.
Series E bonds were replaced by Series EE bonds (aka “Patriot Bonds”) in 1980. Today, like Series I Bonds, investors can buy EE Savings Bonds from TreasuryDirect .
An interesting feature of Series EE Savings Bonds is that, over a 20-year period, these bonds are guaranteed to double in value. And should the interest not be enough to double the value, the U.S. Treasury will top it up, giving the bond an effective interest rate of 3.5% per year during that period.
While I Bonds don’t offer the same guarantee, your principal is guaranteed and the bonds are designed to keep pace with inflation.
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5. I Bonds Are Easy to Purchase
Investors can purchase electronic I Bonds online through TreasuryDirect in denominations over $25. The maximum amount of electronic I Bonds someone can purchase is $10,000 per calendar year.
In paper format, investors may use their tax refund to purchase up to $5,000 a year.
6. I Bonds Are a Long-Term Investment
In general, the primary risks in buying bonds revolve around redemption. What if you need your money before maturity?
I Bonds are generally a long-term investment. To start with, investors must understand that they have their money locked up for one year. After that, investors who redeem their I Bonds before they’ve held the bond for five years will forfeit the last three months of interest. (You can redeem an I Bond after five years with no penalty.)
As a result, those looking for a shorter-term investment may want to consider investing in Treasury bills.
💡 Quick Tip: If you’re saving for a short-term goal — whether it’s a vacation, a wedding, or the down payment on a house — consider opening a high-yield savings account. The higher APY that you’ll earn will help your money grow faster, but the funds stay liquid, so they are easy to access when you reach your goal.
7. Other Investments Might Offer Better Returns
One possible advantage of investing in stocks, mutual funds, and ETFs is that investors could potentially make a profit if the stock or fund does well. For instance, historically, stocks have been shown to be one of the best ways to build wealth over time. However, there is also risk involved, and you could lose money if the investment performs poorly.
TIPS, or Treasury Inflation-Protected Securities, are also a type of government bond designed to protect investors from inflation. The principal amount of a TIPS bond will increase with inflation, while the interest payments remain fixed. I Bonds are similar to TIPS but offer additional protection against deflation.
8. It’s Hard to Predict an I Bond’s Return Over Time
To maximize your return on investment when purchasing I Bonds, it is essential to understand the differences between the two interest rate components of the bond, and how they can play out over time.
I Bonds offer a fixed interest rate, which remains the same for the life of the bond, and the inflation-protection component, which adjusts with changes in inflation rates twice per year.
So if you buy an I Bond, the composite rate would be the same for the first six months after the issue date. After that, your rate would adjust with the current inflation rate. If inflation goes up, so would the rate of return. If inflation goes down, the bond’s inflation rate would likewise decrease.
And if you hold onto your I Bond for 10, 20, or 30 years, you would likely see some years with higher inflation rates and some years with lower inflation rates.
9. You Must Meet Certain Criteria to Buy an I Bond
To be eligible to buy I Bonds you must be:
• A United States citizen, no matter where you live,
• A United States resident, or
• A civilian employee of the United States, no matter where you live.
Also, investors can only purchase I Bonds with U.S. funds. You cannot buy them with foreign currency.
The Takeaway
If you’re looking for a generally safe and reliable investment option, I Bonds may be worth considering. They offer tax breaks and other benefits that can make them a low- risk choice for your long-term savings goals. That said, because I Bonds come with a composite rate of return, it’s hard to predict how much your money will actually earn over time.
With I Bonds, your principal is guaranteed. If you buy a $1,000 I Bond, no matter what happens, you will get your $1,000 back.
If you’re interested in savings vehicles, there are alternatives to government bonds, including savings accounts with a higher APY (annual percentage yield). By exploring your options, you can choose the best option — or options — for you.
Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.
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4.60% APY SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.
SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.
SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.
SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.
Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.
Have you been wondering, “Should I move to Kansas City, MO?” If so, you’re not alone. This city is a hidden gem in the heart of America, offering a unique blend of Midwestern charm and urban amenities. Known for its jazz heritage, mouthwatering barbecue, and the iconic Kansas City Royals, this city stands out for its rich culture and friendly atmosphere. In this article, we’ll dive into the pros and cons of living in Kansas City to help you figure out if this city’s rhythm matches your own. Let’s get started.
Kansas City at a Glance
Walk Score: 35 | Bike Score: 35 | Transit Score: 25
Median Sale Price: $250,000 | Average Rent for 1-Bedroom Apartment: $1,210
Kansas City neighborhoods | Houses for rent in Kansas City | apartments for rent in Kansas City | Homes for sale in Kansas City
Pro: Rich musical heritage
Kansas City boasts a vibrant musical history, particularly known for its jazz legacy. The city’s 18th and Vine Historic Jazz District is a cultural gem. The area offers live music venues where visitors can immerse themselves in the sounds that once dominated the area. The local American Jazz Museum serves as a testament to the city’s significant contribution to the genre. This unique musical culture provides residents and visitors with a deep sense of connection to the artistic soul of Kansas City.
Con: Weather extremes
Living in Kansas City means experiencing a wide range of weather conditions, from sweltering summers to bitterly cold winters. The city’s location in the Midwest subjects it to unpredictable weather patterns. These include severe thunderstorms and occasional tornadoes in the spring and summer months. Winter brings its own challenges, with heavy snowfall and ice storms often leading to difficult travel conditions. These weather extremes can be a significant drawback for those not used to this type of weather.
Pro: Thriving culinary scene
Kansas City is renowned for its barbecue, with more than 100 barbecue establishments offering their take on smoked meats. However, the city’s culinary scene extends far beyond barbecue, featuring a diverse array of dining options that cater to all tastes. From farm-to-table restaurants to ethnic eateries reflecting the city’s multicultural population, food lovers will find Kansas City a delightful place to explore new flavors.
Con: Public transportation limitations
With a Transit Score of 25, many locals find public transportation options in Kansas City limited. While the city made strides in improving its public transportation system, including the introduction of the KC Streetcar, it still faces challenges in providing comprehensive coverage. Many areas of the city and its suburbs are not well-served by public transit, making car ownership almost a necessity for residents. This limitation can be a significant inconvenience for those looking for more sustainable transportation options.
Pro: Affordable cost of living
The cost of living in Kansas City is 6% lower than the national average. Housing prices are relatively low, allowing locals to enjoy a higher quality of life without the financial strain experienced in more expensive cities. This affordability extends to everyday expenses, such as groceries and utilities, making Kansas City an attractive option for individuals looking to stretch their budgets further.
Con: Limited job market in certain sectors
While Kansas City has a robust job market in industries such as healthcare, finance, and technology, opportunities in certain sectors can be limited. Those seeking careers in more specialized fields may find fewer options available. This means some people may need to commute to neighboring cities or broaden their job search. This limitation can be a significant consideration for people evaluating Kansas City as a potential place to live and work.
Pro: Dynamic arts and culture scene
Kansas City’s arts and culture scene is a significant draw, featuring a wide range of museums, galleries, and theaters. The Nelson-Atkins Museum of Art and the Kemper Museum of Contemporary Art offer world-class art collections, while the Kauffman Center for the Performing Arts hosts a variety of performances, from opera to ballet. This vibrant cultural landscape provides locals with ample opportunities to engage with the arts, enriching the community’s overall quality of life.
Con: Allergy and air quality concerns
For individuals sensitive to allergens, Kansas City’s seasons can be challenging. The city experiences high pollen counts, particularly in the spring and fall, which can aggravate allergies. Additionally, air quality can be a concern during periods of high humidity and heat in the summer months, potentially affecting those with respiratory conditions.
Pro: Sports fan’s paradise
Kansas City is a haven for sports fans, home to the Kansas City Chiefs (NFL) and the Kansas City Royals (MLB). The city rallies around its teams, creating a strong sense of community and pride. Arrowhead Stadium and Kauffman Stadium offer electrifying environments for game days, providing unforgettable experiences for fans. This passionate sports culture is a unique aspect of living in Kansas City, fostering camaraderie among residents.
Con: Sprawling city layout
The sprawling layout of Kansas City can be a con for those who prefer more compact, walkable urban environments. The city’s extensive footprint means that many destinations are spread out, requiring reliance on personal vehicles for transportation. This sprawl can lead to longer commute times and can detract from the sense of community found in more densely populated areas.
Pro: Expansive green spaces
Kansas City has an impressive array of parks and green spaces, offering people a welcome escape from urban life. Swope Park, larger than New York City’s Central Park, provides a vast area for outdoor activities, including hiking, golfing, and the Kansas City Zoo. These green spaces are essential for recreation and relaxation, contributing to the city’s overall livability and quality of life.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.