Since Ashley Morrill of “Maine Cabin Masters” launched her home decor line in August, business has been building as fast as some of the structures on the renovate-a-wreck reality TV show.
Now, the home decor line has added holiday-themed tea towels and ornaments, as well as a watercolor serving tray, loon totes, and two new pillow covers — a pine cone and a new lobster design.
Rustic County is inspired by Morrill’s love of nature, floral designs and Maine, she says.
Courtesy / Rustic County
Ashley Morrill
Morrill told Mainebiz the difference between her products and those in big-box stores is that many of her products are limited editions. At this point, they are all designed by Morrill and anything purchased from Rustic County will be something she has had a hand designing.
“The response to our Rustic County product launch has been overwhelmingly positive, and I’m touched by the support and the fantastic response from our fans,” said Morrill. “I’m excited to introduce our new products, just in time for the holidays, to help people make their homes feel cozy and festive during this special time of the year.”
“And, of course, I’m introducing new products that are a tribute to my home state of Maine, so people can bring some rustic cabin chic to their homes, no matter where they live.”
Morrill said she has more designs coming, and many are Maine-focused. The company is using its social media presence to gauge what the public wants.
“The company has been steadily growing,” said Morrill. “Just like with any new business, it takes time to work out the kinks and learn what works and what doesn’t.”
Since it first aired in 2017, “Maine Cabin Masters” has been one of the highest-rated shows on the Magnolia Network and among the many reality shows focusing on home construction and design.
In addition to Morrill, the show stars her brother, contractor Chase Morrill, and her carpenter husband, Ryan Eldridge. Their business is based in Manchester.
During a speech held today at the Citigroup Financial Services Conference in New York, Fannie Chief Daniel Mudd addressed the proposed increase in the conforming loan limit, his company’s outlook, and the economy as a whole.
Speaking about the proposed stimulus, Mudd called it “directionally positive in terms of chipping away at the problem,” and noted that Fannie wouldn’t necessarily be taking on more risk by purchasing larger loans.
“It’s wrong to say, ‘There is a magic line between $417,000 and $418,000, one part is not risky, one part is risky,’” Mudd said. “We will follow the same risk policy, the same underwriting criteria, the same conservative philosophy.”
Mudd also noted that the current mortgage-rate environment was favorable to homeowners, and could potentially “self rescue” some of the at-risk homeowners.
“It will help existing borrowers by lowering their monthly payment,” he said. “The rate cut could thus help a cohort of homeowners to avoid default.”
While lower rates may help some, those currently underwater on their mortgage will still likely need to work out a special arrangement with their current mortgage lender to stay afloat.
Of course Mudd noted that the “vast majority of borrowers are not facing potential rate increases or payment shocks” within Fannie’s portfolio of loans.
Fannie 2008 Outlook
But he did recognize that “a lot of the trends we saw in the latter half of 2007 have rolled right into 2008,” saying it would be a “tough year” and that Fannie was “in a defensive stance with respect to capital.”
“There have been some marginally negative continuation of trends,” he said.
He said the company’s capital was now “in good shape” but expressed that there remained “extraordinary credit challenges to manage through.”
Mudd also commented on the U.S. economy as a whole, saying it “is just on the edge of a recession or a mild recession,” saying housing markets in California, Florida, and the upper Midwest were feeling it the most.
Shares of Fannie Mae were up 18 cents, or 0.55%, to $32.87 in late afternoon trading on Wall Street.
Nearly two-thirds of college graduates leave school with debt, which means many couples have to manage outstanding student loans after they get married. If you and your spouse each have multiple student loans, you could potentially end up with a large number of loans to manage in one household. That might make the idea of consolidating student loans with your spouse appealing. So, can you do it? And, if so, is it a good idea?
Yes — and maybe.
The federal government no longer offers spousal consolidation of federal student loans. However, you may be able to combine your federal or private loans by refinancing with a private lender. Whether or not that’s a wise move will depend on a number of factors, including the types of loans you have and your interest rates.
Here’s a look at options available for consolidating your loans as a couple, plus other ways to make student loan payments more manageable after marriage.
Consolidating Federal Loans
Consolidating is the process of combining your loans so you only have to make one payment and keep track of one due date, rather than several. Individual borrowers can consolidate their federal student loans through the federal government.
When you consolidate federal loans, the government pays them off and replaces them with a Direct Consolidation Loan. Your new fixed interest rate will be the weighted average of your previous rates, rounded up to the next one-eighth of 1%.
Previously, married federal student loan borrowers could consolidate their loans together through a joint consolidation loan. However, the government ended that program in 2006 and no longer offers federal loan borrowers a way to consolidate student debt with a spouse.
Currently, the only way to consolidate federal student loans with a spouse is through refinancing with a private lender. This involves taking out a new, larger student loan to pay off all of your existing loans. The lender will base your new loan’s interest rate on your combined income and creditworthiness, and both of you will be listed as primary borrowers on the loan.
It’s important to note that consolidating in this way will convert those federal loans into private loans, which removes all federal benefits and protections, such as income-driven repayment plans and student loan forgiveness programs. 💡 Quick Tip: Get flexible terms and competitive rates when you refinance your student loan with SoFi.
Refinancing Student Loans With Your Spouse as a Cosigner
Another way to commingle student loan repayment responsibility is to apply for refinancing with your spouse as a cosigner (or vice versa). While your loans won’t be consolidated together if you’re approved, you’ll share ownership of the loan with your spouse. This could be a good idea if you would not be able to qualify for a refinancing on your own or could qualify for a better rate if your spouse serves as a cosigner, due to their added income and/or good credit.
An advantage of cosigning versus joint consolidation is that some lenders allow you to eventually remove a cosigner from a loan, which could be useful should you ever part ways. Joint refinancing, on the other hand, generally doesn’t have an “out” clause.
Recommended: Student Loan Consolidation vs Refinancing
How to Combine Student Loans With Your Spouse
If you’re interested in combining student loans with your spouse, here’s a look at the steps involved in a joint refinance.
1. Find a lender. You’ll need to find a lender that offers joint refinancing (not all do). Ideally, you’ll want to shop around and compare offers from multiple lenders to make sure you find the best deal. Browsing around and receiving prequalified rates won’t affect your credit, since companies will do a “soft” credit check.
2. Apply for the loan. Once you find a lender you want to work with, you’ll need to choose which loans you want to consolidate (you don’t have to include every loan you have) and officially apply for the loan. Both you and your spouse will need to supply personal and financial information.
3. Review your documents and sign. Once approved, it’s a good idea to carefully review all the documents you receive and check the fine print before signing anything. Confirm the loan terms you were approved for match the ones you applied for.
4. Keep paying your individual loans until the refinance is complete. When you refinance a loan, your new lender must then pay off your old lender. It may take a little while for that process to finalize. In the meantime, it’s important for you and your spouse to continue making your payments on your individual loans until you’ve received notice from your new lender that the debt transfer is complete.
Recommended: Pros and Cons of Refinancing Student Loans
Advantages of Consolidating Student Loans With Your Spouse
Combining your student loans with your spouse’s through refinancing comes with certain advantages. Here are some to consider:
• Simplified repayment Rather than juggling multiple student loan payments and due dates, you and your spouse will only have one payment to make.
• A potentially lower rate If your spouse has better credit or a higher income than you, refinancing with your spouse may allow you to qualify for a lower interest rate than you’d get on your own. Together, you could potentially save money.
• You could lower your payment You may be able to lower your monthly payment by getting a lower interest rate and keeping the same repayment term. You can also lower your payment by extending your loan term. (Note: You may pay more interest over the life of the loan if you refinance with an extended term.)
• Fosters teamwork When you combine student loans with your spouse, there’s no longer separate debt. You have one joint goal you’re working towards as a team.
Recommended: Making Important Money Decisions in Marriage
Disadvantages of Consolidating Student Loans With Your Spouse
Although consolidating student loans with your spouse can seem appealing, there are some significant drawbacks to keep in mind:
• Few lenders offer it Only a small number of lenders offer spousal student loan consolidation. With few options to choose from, you may have trouble getting approved or finding a competitive interest rate.
• Loss of federal protections If you or your spouse have federal student loans and you refinance them, they become private student loans. You’ll lose federal loan benefits and protections, including the ability to enroll in an income-driven repayment plan and access to federal forbearance or deferment options.
• Divorce could be messy When you refinance your student loans with your spouse, you are taking on a new loan together. If you end up divorcing, you’ll still be legally obligated for the combined debt and you’ll have to work out payment terms with your former spouse as part of the divorce agreement.
• You might not lower your rate In most cases, refinancing only makes sense if you can get a lower interest rate. This is especially true if you have federal loans because you give up many protections by refinancing.
Other Ways to Tackle Student Debt as a Couple
A joint refinance isn’t the only way to manage your combined student debt load. Here are some other tips for how to manage student debt as a married couple.
• Be honest — with yourself and your spouse Having a high student loan balance might feel overwhelming, but avoiding your debt or hiding it from your spouse can affect your relationship. You can start by getting acquainted with exactly how much you each owe, your interest rates, and the loan terms.
• Know your repayment options If you have federal loans, it can be helpful to read up on the different plans available for student loan repayment and the pros and cons of each. If you’re having trouble making payments, you can look into income-driven repayment plans or other federal loan forgiveness programs. Speak to your loan servicer(s) if you’re concerned with your ability to repay your total loans as a couple.
• Consider consolidating separately If your or your spouse has multiple federal student loans, consolidating with a Direct Consolidation Loan can help you better manage the loans you have in your name. If you have loans other than Direct Loans, it can also give you access to additional repayment options. Federal consolidation won’t lower your rate, however. It could also extend your loan term, which would increase your overall costs.
• Look into refinancing separately If you (or your spouse) has higher-interest graduate PLUS loans, Direct Unsubsidized Loans, and/or private loans, refinancing could help you get a lower rate, a lower payment, or both. Keep in mind that refinancing federal student loans with a private lender means giving up federal benefits. And, if you opt for a longer loan term, you could end up spending more over the life of the loan.
💡 Quick Tip: It might be beneficial to look for a refinancing lender that offers extras. SoFi members, for instance, can qualify for rate discounts and have access to career services, financial advisors, networking events, and more — at no extra cost.
Figuring Out the Financial Path that’s Right for You
While you and your partner can’t jointly refinance your student loans with the federal government, you may be able to find a private lender that offers a spouse consolidation loan. Other ways to manage student loan repayment after marriage include: listing all of your loans and coming up with a repayment strategy together, re-evaluating your payments plans, and looking into consolidating or refinancing your loans separately.
Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.
With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.
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SoFi Student Loan Refinance If you are a federal student loan borrower, you should consider all of your repayment opportunities including the opportunity to refinance your student loan debt at a lower APR or to extend your term to achieve a lower monthly payment. Please note that once you refinance federal student loans you will no longer be eligible for current or future flexible payment options available to federal loan borrowers, including but not limited to income-based repayment plans or extended repayment plans.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Although our early 20’s are an exciting era full of new-found freedom, there are a lot of ways that the choices we make in our early adulthood affect the trajectory of the next few decades. Occasionally, someone finds the right teachers, mentors and friends to really set them up well for their 20’s and 30’s, but often we look back after several years and wish there were things we’d known how to do differently. From finance strategies to mental health awareness, savvy knowledge can make all the difference as young adults take their first steps towards forging their futures. Below are the 20 surprising things everyone wishes they knew at age 21.
1. Find Someone Who Shares Your Values
Whether you’re dating, getting married, or just trying to find friends, finding people who share your values is crucial. Of course you’ll always have differences with the people around you, but if you share the same core values, like kindness, being fiscally responsible, etc., you’ll find it much easier to remain together.
One user shared, “Find someone who shares your values and wants the same things as you when finding a partner. Whatever that is, everyone else is a placeholder at best and a waste of time and energy at worst.”
Another user replied, “That’s why I’m not dating right now.”
2. Invest Money as Soon as You Can
Investing even a small amount early in your life will drastically change your ability to retire comfortably later. No amount is too small: open some type of retirement account and put in even just ten dollars a month. Bonus points if you can put in your bonuses from work, your tax return, and other cash that’s not part of your regular income!
One Redditor commented, “Invest money as soon as you’re able to while making sure you have enough money to survive on. The plan you may have for your life now may change. Be okay with that. My life is way different than I thought it would be. Stay physically active and eat healthy. Come 30s, it catches up to you if you stop being active and [don’t eat well].”
3. How Interest Rates Work
Interest rates work differently for you on different types of account; credit cards are different from loans, regular savings accounts are different from high-interest savings accounts.
One online user posted, “How interest rates work. What is a stock, and what to do with them. Impact of having children very early. Taxes. Keep making your dream a reality.”
4. How Precious Time Is
Time is one thing we’ll never get back once we give it away. That’s not to scare you; it’s not as if we should feel guilty for watching a movie we only slightly enjoyed. But time is a resource, and a really precious one. You can use time for social media, and if it’s relaxing to you that might be a good use of your hours. But don’t forget about relationships, education (even just learning hobbies counts!) and recreation that really refreshes you.
Another user added to the thread, “How precious time is.”
5. Everyone Has Their Own Issues: Do Not Expect Help
One user pointed out that, among other things, there won’t always be somebody who wants to listen to you vent or moan about your life, or to lend you money if that’s what you need. Plan ahead for yourself, don’t always assume your community will be your safety net.
One user broke down his own learnings and shared, “I wish I would have taken my credit seriously. Never stop being active; it greatly helps your mental and physical health. Learned a skill. I’m in IT now, but I should have been making way more at 35 if I had taken it seriously at 21.
“Who you choose as a partner matters a lot. Unless you have parents that love and have the means to help you, it’s just you against the world, and that’s okay. Everyone has their issues and do not expect help from anyone.”
Another user responded, “5 hit hard.”
6. Everything Is Going to Work Out Great
While you may have been launched into your 20s unprepared, wishing you knew a whole lot more than you did, don’t freak out. You know a lot more now. You’ve made it this far and you’re going to be ok.
“That regardless of how it looks right now, everything is going to work out great,” one user stated.
The OP replied, “My therapist reminds me of this during every session.”
7. Understand Monthly Installments
Lots of big-ticket items will offer you the chance to make several small payments instead of paying in one lump sum, but don’t assume it’s an easy way out of paying all at once. Double check how much the smaller payments actually add up to. Are they charging you interest, or hiking up the price just by making it look easier? Pay all at once if you can; it’ll save you some money, and help you to only buy things you can really afford.
Another commenter shared, “Okay, now take that monthly payment fee, multiply it by the number of months for the payment plan, and finally compare that result to the cost of them before the payment plan. Only had to learn that lesson once.”
8. Save as Much as You Can
One user commented, “Save as much money as you can; always split your checks into savings, bills, and for fun!! Just always those 3; just because you’re saving doesn’t mean you can’t have fun; limit yourself so you’re not spending so much money just on that. Putting these three categories together will save you a headache in the future. I started saving when I was 16 because I got my first job! By 20, I had saved 30k through work and financial aid.”
9. Find High-Paying Jobs
While everyone tells us in high school that we should follow our dreams, there’s a lot of wisdom in making sure you’ll be able to get a higher paying job too. If you put in several years with a higher paying job while you’re younger, imagine how much more freedom you could have to go after your hobbies when you have a good amount saved up?
One commenter added, “Find high-paying jobs that give you a 401k or retirement fund if you work full time. My job matches up to 4% of what I put in.”
10. Drinking Is Fun, but It’s Costly
We all know that the hard partying often starts in our 20’s, but how many of us have stopped to consider the cost of that? We’re not suggesting you don’t go out at all, but consider setting a budget for your evenings out, and plan how many times you go based on what you know you can afford.
One Redditor posted, “Drinking is fun, but it’s costly; I spent a lot of my money going out, and now that I’m 23 those ‘friends’ are nowhere to be found. Except for like 2.”
11. Find Friends That Will Stick With You
“Find friends that will stick with you no matter what. Watch out for jealous people who want your downfall. Not everyone will be happy with your achievements, and that’s okay, but don’t let them suck your energy and shine. Cut anyone that’s not making you a better person or pushing you to do better,” one user commented.
12. True Friends Will Always Be Honest
There will come a time in each our lives when when we need to be called out. It’s not comfortable or fun, but if you have friends who are willing to lovingly point out your flaws, consider yourself lucky. True friends will be honest with you and tell you when your habits have become hurtful. But true friends will also remain your friends afterwards; they’ll call you out and then stick around for the fallout and still love you on the other side.
One user shared, “True friends will always be honest even when it hurts … and they will be supportive and want what’s best for you. Don’t settle for less.”
13 Relationships Are Hard, but Dating Is Fun
One user posted, “Relationships [are hard], but dating is fun! As long as you are staying safe and setting boundaries. Relationships are fun when they work, and you feel fulfilled. Don’t settle for anything half-a-. If you spend 70% of your time unhappy and communicate that and nothing changes, it’s not worth it.”
14. Pick a Better College Degree
It’s true: your college degree can make or break your income earning potential. College isn’t necessary for everyone, but if you’re going to college, make sure that you’re choosing a really functional degree. If you want to get an education for fun, then be sure you can really afford to do that.
“Pick a better college degree. INVEST YOUR MONEY. Live frugally. Keep away from my dysfunctional family. Let my first boyfriend break up with me when he wanted to,” one user commented.
15. You Don’t Need to Do It All Tonight
Some of us need a serious pep-talk just to get up off our couches and get things done … and others need permission to just rest. So if that’s you, remember it’s ok not to get everything done at once. You may feel like you have to juggle everything, but a big key to “keeping it all together” is knowing which things you can drop and which things you actually need to get done.
One user shared, “You don’t need to do it all tonight.”
16. Forge Lots of Strong, Healthy Friendships
We’re made to live in community, and it shows. All of us will feel lonely from time to time, but having really strong friendships around you to support you in those times will help immensely. And sure, finding high-quality friends is really hard, but it will always pay off.
One Redditor highlighted friendship; “Forge as many strong, healthy friendships as possible.”
17. Take Care of Your Skin
Beyond taking care of your finances, your menta health and community, and your career, don’t forget your skin. Adjust your skin care to your climate and skin type, drink lots of water, and eat lots of whole foods. Those things together will probably make up ninety percent of a poppin’ skin care regime.
“I wish I’d taken better care of my skin. There’s a texture difference as you get older,” one commenter stated.
Another user replied, “Second this! Wearing sunscreen is always worth it (decades) later!”
18. Put Some Stock in Your Career
One user posted, “Wish I had taken more stock in my career. I wish I had taken college more seriously. I wish I hadn’t lost myself in another person so young. This destroyed my ability to have real relationships. Wish I had never stayed in upstate NY.”
19. How Fast You Become Yesterday’s News
Another Redditor shared, “How fast you forget about yesterday’s news. How eventually we all fade away and how nothing in this world lasts. So, all these fleeting pursuits of happiness lead to emptiness in the end. How quickly your body gives out on you as you age. How the older I am, the more I want to sleep as if I’m always catching up on a never-ending sleep debt. Or save money … lol.”
20. Bet on Apple Stock
One user commented, “To bet on Apple stock.in 1994, it was .24 cents a share. Sigh.”
Sure, it’s impossible to know which investments are going to really take off, but do yourself a favor and invest in what you can while you’re young. You might get a few duds, but hopefully there will be some winners among them. You have more ability to take chances while you’re young since you’re less likely to need the financial security yet, so take some time to learn what you’re doing or consult a professional.
What do you think of the things listed above? Share your thoughts down in the comments!
Source: Reddit.
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Have you ever watched a movie or show and been completely lost in it because of how well an actor or actress became their character? Check out this article for a whole list of actors who were perfectly cast!
11 Vampire Movies That Will Make You Thirst for More
You know that feeling where you’re on a movie kick in a certain genre, but you seem to run out of good movies to watch? Well, if you’re down for a vampire movie or three, check out this article for the best ones out there!
10 Incredible Movies That People Rated 10 Out of 10
It’s pretty hard to replicate the experience of watching your favorite movie for the first time, but we’ve put together a list of movies that people have rated at a perfect 10/10. Next time you need a good movie to watch, check this out!
10 Famous People Who Canceled Themselves With Their Own Stupidity
We’ve all been there: you make a comment you haven’t thought through at all, and the whole room goes silent at what you’ve just said. But can you imagine doing that as a famous person—and getting canceled? Check out this list of celebrities who did just that!
13 Things You Shouldn’t Do When You’re in the US
Are you planning a trip to the US? Culture varies a lot between countries, even countries that share borders. So if you’re headed to the good old U. S. of A, here are a few pointers to make your travels go more smoothly!
Somewhere between a sunroom and basement lives the daylight basement. Unlike basements that live entirely underground, daylight basements are only partially underground. Their defining trait is at least one or more windows that let the “daylight” in.
So, why are renters looking for properties with this unique space? With some imagination and a little design savvy (or a friend with some), you can turn these spaces into cozy family rooms, a playroom for the kids or a guestroom. Really, these rooms offer nearly endless possibilities. Let’s discover why renters are searching for the elusive daylight basement and what you can do with it once you find one.
What is a daylight basement?
Daylight basements are partially underground rooms with at least one full-sized window. And that’s about it. As you can imagine, they come in nearly every size and shape, with many found in homes built on slopes. This natural topography offers the ability to build into the sloping terrain, creating a space that’s partly in the ground yet has a window and a view.
These unique spaces are sometimes confused with walkout basements. However, unlike a walkout basement, daylight basements don’t have exterior doors.
What are the benefits of a daylight basement?
In addition to more room, which is almost always appreciated unless you’re a tiny-house aficionado, daylight basements offer several advantages.
Natural light: The natural light brings daylight indoors, providing a connection with nature. It’s a much more welcoming environment than basements with no outside view, enhancing the livability.
Expand the living area: Daylight basements can add significant usable square footage to your rental.
Cooler: Depending on where you live and the season, this feature can fall into the plus or minus column. Because they’re partially underground, they tend to be cooler than the rest of the house. It’s part of the reason basements first gained appeal. They offered a colder location to store food, mead and ale, helping these vital necessities last a little longer.
A room with a view: Need we say more?
Feels like a living space: Unlike basements that can feel dark and uninviting, the natural light of a daylight basement creates a warm and welcoming atmosphere.
What are some problems with daylight basements?
As with any room that’s partially below ground, there are a few challenges you may face.
Leaks: Because these rooms are lower than the rest of the house and partially subterranean, they’re more susceptible to leaks, excess moisture and water damage. Water can seep through the walls or find its way through any cracks in the foundation. If unchecked, this damp environment can lead to mold and mildew. Fortunately, the natural light makes daylight basements less susceptible to mold growth than in-ground basements.
Limited sunlight: Depending on the slope of the home and the direction it’s facing, there may be limited sunlight. If this is the case, consider asking your landlord for permission to paint it. Light-colored ceilings and walls, as well as mirrors, help make the space feel more open and brighter.
What is a daylight basement used for?
This extra space is up for grabs. Is there an artist in the family? Would a home office be beneficial? Maybe a home gym or a place for the kids to be, well, kids. Possibly a craft room, mancave or music room?
Here are a few of the top daylight basement design trends:
Game or media room: Do you enjoy entertaining or game night with the family? Daylight basements offer the perfect space for bringing everyone together. Depending on the size, you might consider a foosball or pool table, sitting areas for card and board games and a wet bar. Add a 4K HDR TV with a soundbar or speakers, and you’re prepared for the ultimate entertainment.
Home office: It can be challenging to fit a home office into a rental property, with bedrooms often destined for family members. This quiet, light-filled space can provide the ideal retreat, a place to work or read a good book. No one will know.
Home gym: We all struggle with finding the time (or the motivation) to work out. Having a room dedicated to keeping fit is nothing if not inspirational! Some popular options for home gym equipment include an elliptical or stair climber, stationary bike, punching bag, bench press or treadmill. Of course, you can always turn it into a hot yoga studio with some mats, blocks and a heater that can get the room to at least 90 degrees Fahrenheit.
When decorating your new space, check out our home decor color trends and the top 2023 Amazon home decor and furnishing selections for inspiration.
Depending on the setup, another option for your daylight basement may be subletting. Some renters, with the landlord’s permission and an okay from the local municipality, sublet the space, helping to defray the cost of the rental.
Is a daylight basement right for you?
It’s hard to beat a functional and stylish daylight basement. However, the added square footage often translates to higher rent. Consider your budget and how you would use the space to help you determine if this unique architectural addition is worth the cost. Also, make sure to check for excess moisture or mold before signing the lease.
Try to find the right place for you by searching our apartments and homes for rent in your target city.
Wealth management accounts are types of investment accounts that are managed by a professional, who coordinates the rebalancing and reallocation of assets in a portfolio. They are usually a part of a larger financial plan, often overseen by a manager or advisor.
A wealth management account is one way to help simplify investing and financial planning. But there are things investors should know, such as the costs involved, and any potential pitfalls.
What Is A Wealth Management Account?
A wealth management account is generally a form of advisory account that allows for the input and coordination of a financial advisor or planner. While there are many different types of asset management accounts, historically, many of these accounts have been available only to those with significant wealth or assets to manage.
If you’ve avoided opening a wealth management account because of high investing minimums, you should know that there are an increasing number of types of investing accounts on the market for individuals of various income levels. That’s to say that though there may be investment fees in the mix, it may be worth it to discuss the options available to you with a financial professional.
Based on your personal investment strategy, which may be developed with the help of a professional, a wealth management account may be used to invest your money in different assets.
[embedded content] 💡 Quick Tip: How do you decide if a certain trading platform or app is right for you? Ideally, the investment platform you choose offers the features that you need for your investment goals or strategy, e.g., an easy-to-use interface, data analysis, educational tools.
Why Invest with a Wealth Management Account?
Using a wealth management account may help some investors stay on track and stick to a financial plan. Working with a manager, too, can help take some of the pressure off of investors who may be having difficulties deciding how to invest.
Some people may choose not to invest at all, which might stymie their progress toward reaching financial goals. As such, a wealth manager or advisor may use a wealth management account to help those investors, and invest their assets where they have the best opportunity to grow. While rates of return cannot be guaranteed, and it is possible that investments will lose money, over time, money tends to grow when left in the market.
In effect, investing is a way to allow your money to work for you.
How Does Investing with a Wealth Management Account Work?
As noted, a wealth management account works in conjunction with a larger financial plan – one that a wealth management or financial professional likely lays out with you after learning more about your goals. They’re holistic accounts, taking into account applicable taxes and fees, and one in which a manager or advisor selects and manages investments on an individual’s behalf.
Once you have an investment plan in place, a wealth manager could build you a portfolio from a wide selection of assets, such as stocks, bonds, ETFs, and more. From there, a wealth manager will keep an eye on your portfolio, make changes as necessary, and incorporate an investor’s feedback. 💡 Quick Tip: Did you know that opening a brokerage account typically doesn’t come with any setup costs? Often, the only requirement to open a brokerage account — aside from providing personal details — is making an initial deposit.
How Do Financial Planners Help with Wealth Management Accounts?
As discussed, financial professionals or wealth managers offer a guiding hand in not only determining your financial goals, but figuring out the best investment strategy to help you reach them. That will all depend on a number of factors, including your age, risk tolerance, and more. But, ultimately, a financial professional will be able to make decisions based on market conditions and your portfolio’s makeup to help you reach certain financial milestones.
There’s always a chance that they could fail, that they offer bad advice, that your portfolio loses money, or that you could end up paying more than anticipated in fees and commissions, however. That’s something investors will need to take into consideration. But overall, a wealth management account is typically designed for an investor who wants a professional to offer guidance, and take some of the work out of managing a portfolio.
Ready to invest in your goals? It’s easy to get started when you open an investment account with SoFi Invest. You can invest in stocks, exchange-traded funds (ETFs), and more. SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).
For a limited time, opening and funding an Active Invest account gives you the opportunity to get up to $1,000 in the stock of your choice.
FAQ
Are wealth management accounts worth it?
A wealth management account may be worth it to an investor if the investor wants a professional to offer guidance and make actual investments for them, as opposed to doing it themselves. Whether it’s worth it is ultimately up to the individual.
How much money do you need to open a wealth management account?
The amount of money needed to open a wealth management account varies from firm to firm, but generally, investors will need a minimum of around $25,000 to get started.
What is the typical wealth management fee?
Depending on the specific firm and financial professional an investor is working with, wealth management fees average around 1% of the assets being managed.
SoFi Invest® SoFi Invest refers to the two investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“SoFi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
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For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit SoFi.com/legal.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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Each of us has wondered whether the grass is greener on the other side from time to time, but married people and parents of young kiddos especially seem to struggle. So it’s important to ask: is youth and singleness all it’s cracked up to be, or will the challenge of fighting for your marriage and parenting young children be the investment that really pays off?
Single life has its ups and downs—moments of joy, raw happiness, intense loneliness, sadness and everything in between. But it’s ultimately up to us as individuals to find contentment with our circumstances or strive for bigger and better things. Below are 15 stories from other single people about what real singleness looks like without attachment, and whether it’s happier over all.
1. I’d Like Someone to Share Things With
One benefit of marriage that the married ones often forget about is companionship. Sure, the other elements of marriage are good and necessary, but there’s something deeply special about coming home from a really hard day at work and having somebody you can talk to about it. Or coming home after getting a promotion and having someone special to share it with—without having to search your contacts for whom you’ll text first. Is that camaraderie worth trading for the freedom to do what you want, when you want, without coordinating with anyone else? Well, maybe.
One user shared, “30M if it’s relevant. It’d be nice to find someone to share stuff with, and all that … but being solo and only having myself in my own way when it comes to doing things is great. I haven’t dated anyone in about five years. The prospect of trying to find someone I can tolerate, that also wants what I want (being childfree is a b-) feels impossible. I also don’t know if I even have the capacity to care anymore. I’m socially inept [as heck], so I’ve only really tried the online route. Until I finally decide to give a s-, I have my two cats that can bug me all they like.”
Another user added, “I’m the exact same age, haven’t dated since I was like 26 and love my cat, he’s my dude! Also, I don’t want kids, not because I hate them or anything; I just don’t think it’s for me. I don’t get the whole peopling thing either. Just realized I have liked travelling for the past couple of years, so I started being an OTR trucker. It’s pretty cool for guys like us if you ask me. I drove through the Grand Canyon the utter day, and it was f- beautiful, my guy.”
2 I’m Just a Very Touch-Oriented Person
Pets, throw blankets and soft pillows are the hugs of the home-alone world. Now don’t misunderstand us; there’s something really super special about cuddling with your pets. (Imagine all that understanding and love without any of the backtalk or arguments!) But being touch-starved is a real thing. Whether everyone is willing to trade in their singleness for someone to come home to, and to hug just depends on the person though.
One Redditor posted, “Nope. It’s not the relationship factor. I’m just a very touch-oriented person. Not being able to touch someone just hurts. I want to touch someone, but I want them actually to like me.”
One user replied, “Oh my god, it’s the touch, for sure. It’s so unbelievably easy to go literal months without being touched by a human being. I’m so touch-starved, but there’s no outlet for it in society anywhere except relationships.”
3. We Expected a Fairytale
One reason so many people are shy of commitment to another individual for the rest of their lives is that they’ve grown up on the fairytales with the magical endings, and then they’ve been sucker-punched by the reality of struggling marriages, and the hard work that relationships require. It’s enough to make anyone shy of marriage. It’s true: marriages take a lot of effort and forgiveness. There’s a lot of joy to be found in loving and sacrificing for another person, but it’s not going to be a walk in the park, and you have to know that before you choose it.
“Yeah, we all pictured a Disney movie and then had to deal with reality. Very tired of this narrative with a House, a Spouse, and a couple of kids = endless happiness,” commented one user.
One user replied, “I think, in general, we struggle with the myth of ‘if I get to this state, I’ll have happiness .’ You get there, and you want something else. Happiness is a process/journey, not a destination. You can have the nicest house, the best spouse, great kids, go on great vacations, fancy cars, etc., and be f- miserable.”
4. I’m Extremely Lonely
Regardless of whether you’re hoping to get married, all of us were designed to live in some sort of community, with some sort of friendship around us. And sometimes, that’s really hard to find outside of family.
One user shared, “No, I’m extremely lonely.”
One user stated, “Thank you for saying what most of us think. I have my parents as a support system, but if I didn’t have them, I would literally be on the street, mostly by choice but also to better survive financially. I’ve been in a relationship most of my adult life, and even though I was the codependent one, I always had things put together and looking back, I don’t even know how I did it. I am finally setting boundaries and knowing my worth, and I’ve never felt so lonely. Then I try to put myself out there, and guys love my personality but don’t find me physically attractive, and I’m just throwing my hands up like apparently I can’t f- play this game anymore.”
5 Not a Fan of the “Single and Happy” Mantra Anymore
Ultimately, the reality is that happiness isn’t tied to marriage or singleness. Your happiness is tied to you. Your mental health, your ability to choose what brings you joy, and your ability to find joy or contentment even when things don’t work out well for you are the real factors that will determine your satisfaction with life, regardless of whether you marry or not.
One Redditor posted, “I’m not really a fan anymore of the whole ‘single and happy’ mantra, like being single is just a state of being, happiness isn’t tied to happy with it. Like you can be in a relationship and be miserable, too, you know what I mean?
“For someone who’s never been in a relationship? Am I single and happy? No. Am I single and miserable? No. I’m just single. It’s just the state I’m in.”
However, one user responded, “That’s why it’s called single AND happy. The conjunction ‘and’ allows one to describe two states of being.”
6. I’m Not Good at Spotting Red Flags in People
Marriage is a serious step, and your spouse isn’t someone you want to be mistaken about later on. If you’re not able to find somebody who loves, respects and enjoys you, then yeah, the goal of marriage should probably take a back seat for a while.
“Most of the relationships I’ve had, I’ve either been cheated on, abused, or both. I’ve had partners who take endlessly and never give. My last relationship was really terrible, and he mistreated me horribly. I have accepted that I’m just not good at spotting red flags in people, and I guess I’m not a great judge of character, so for my own safety and sanity, I need to be alone. Being alone is better than being with someone who actively chooses to mistreat you and doesn’t view you as a partner but rather a domestic servant.
“I wish my life would have turned out differently because I’d like to know what it feels like to be loved. But it’s not in the cards for me. Other than that, I try to be as happy as I can. I have a lot of hobbies and don’t often get bored or lonely. I’m certainly happier not being abused,” shared one Redditor.
7. Don’t Want to Change Who I Am Anymore
An online user said, “I could have written this. I worked on my codependent tendencies, but I don’t want to change who I am anymore. I like that I’m easygoing and kind. But I realized that most people are not, and I end up being taken advantage of endlessly, so I decided it’s better to be alone.
“In answer to the question, I AM happy. It’s not because I’m single or despite it. I have been happy in relationships and out of them. Happiness is more about being at peace with yourself, aligning with your values, and having a purpose. I have all those things with or without a partner. Looking for one felt like an exercise in futility, so I stopped and just started living my life. And I love it.”
8. Sometimes Happy, Many Times Lonely
Whether you’re touch oriented, want somebody to talk to, or just wish there were somebody to come home to, another person present in the house—marriage can be hugely satisfying. Loneliness is nearing epidemic proportions in the US these days, and it’s an ache that never fully goes away without a strong community of family or friends around you. To be fair, there are lonely marriages as well, and many people with happy marriages and strong family and friend relationships feel lonely from time to time. But the feelings are likely to be less pervasive with a spouse or even roommates in your life.
One user commented, “Sometimes happy, many times lonely.”
9. Would Rather Want Something I’ll Never Have Than Have Something I Never Wanted
“My grandma used to say ‘I would rather go through life wanting something that I could never have rather than having something I never wanted.’
“We have the most significant single population that we have ever had. At least, we live in a time when we have a choice. Many of the women in my family were almost guilted into marriage,” one user added.
10. I’m Solely Responsible for Everything
One user shared, “No, the way I see it, even if you ignore the mental health aspects of isolation, it’s made my life MUCH harder. I’m solely responsible for paying for and doing everything on my own. I have no feedback from others on any of the decisions I made. Pretty much no one knows where I am or what I’m doing. My life feels sort of meaningless and without connection as a result. I’d say it’s about as damaging to my overall quality of life as being broke and unemployed, and it’s made me much lazier and more pessimistic as a person as a result.”
11. Trying to Be Happy on My Own
One user said, “I’m trying to be happy alone. However, there are a few things I know for sure:
“Humans are wired for connection (romantic and platonic). Successful mating is the single biggest biological driver we have. Our society generally reinforces the idea that we need a partner to be whole and happy.
“I have accepted that I will never be the happiest version of myself without the right long-term romantic relationship. However, I’m still pretty happy being single. I’m glad I can say so, as this has prevented me from marrying the wrong person several times.
“I’d much rather be single and a little lonely than coupled up with someone that I’m not madly in love with.”
12. Become a Cat Dad
Another user posted, “I’ve become a cat dad. The relationships I’ve tried can’t handle my work schedule for one reason or another. I’d love for a companion, but video games keep me happy enough.”
As much as we value human connection, it’s important to have good boundaries with unhealthy people, and to fill those needs for connection in ways that nurture you. For example, with cats.
13. I Have Good and Bad Days
One Redditor added, “I would say I have good and bad days. I’m a 30-year-old, single woman who hasn’t dated anyone in over 9 years. I have wanted to, but it never seems to work out. The times I have shown interest in someone, it wasn’t mutual and vice versa. I would love to get married and have kids one day, but in the dating culture of today, it seems harder and harder to believe it can happen.”
14. Not Comfortable Settling Down
“I’m more comfortable in my off-and-on relationships rather than settling down yk, but my social anxiety keeps me from seeking out new relationships, so idk. It certainly is less stressful, as some people might say, because you don’t have to worry about keeping tabs on another person, or trying to focus on their happiness as well as your own. But sometimes loneliness seems overwhelming, but there are other things you can do to overcome it rather than thinking that happiness can only come from relationships,” stated one user.
15. I Am Responsible for My Own Happiness
One user shared his brightness and posted, “Yes. I am responsible for my happiness whether it be with or without a partner.”
It’s true: ultimately, even the glow of a new romantic relationship will wear off, and you’ll get into fights with the spouse you love more than anyone else in the world. So whether you’re married or single, perfectly content or wishing things were different, remember that joy get to choose how you react to your own situation, and you can make the best of it wherever your path lies.
What do you think of the statements listed above? Share your thoughts down in the comments!
Source: Reddit.
10 Actors Perfectly Cast for Their Character Roles
Have you ever watched a movie or show and been completely lost in it because of how well an actor or actress became their character? Check out this article for a whole list of actors who were perfectly cast!
11 Vampire Movies That Will Make You Thirst for More
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10 Incredible Movies That People Rated 10 Out of 10
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10 Famous People Who Canceled Themselves With Their Own Stupidity
We’ve all been there: you make a comment you haven’t thought through at all, and the whole room goes silent at what you’ve just said. But can you imagine doing that as a famous person—and getting canceled? Check out this list of celebrities who did just that!
13 Things You Shouldn’t Do When You’re in the US
Are you planning a trip to the US? Culture varies a lot between countries, even countries that share borders. So if you’re headed to the good old U. S. of A, here are a few pointers to make your travels go more smoothly!
Want to learn how to make $1,000 in 24 hours? While it’s not as easy as making $100 in a day, you do have some options. Some may allow you to make $1,000 right away, and others may mean that you have to build up to reach this level. Perhaps you’re looking for extra money…
Want to learn how to make $1,000 in 24 hours?
While it’s not as easy as making $100 in a day, you do have some options.
Some may allow you to make $1,000 right away, and others may mean that you have to build up to reach this level.
Perhaps you’re looking for extra money to pay for an unexpected bill that popped up (like a car repair or medical bill!), or maybe you’re just looking to increase your income by having a $1,000-a-day income goal.
Key Takeaways
The fastest way to make $1,000 quickly is to sell stuff from around your home, like electronics, jewelry, or nice furniture.
Freelance jobs like consulting and writing can pay a high income.
Jobs in the gig economy, like driving or delivering, can make you money right away, and you can stack them with others to increase your daily earnings.
$1,000 a day in passive income is possible through starting an e-commerce business, a blog, and selling digital products (like a course or printable).
Best Ways To Make $1,000 In 24 Hours
Here are the best ways to make $1,000 in 24 hours.
1. Sell stuff online and near you
If you want to learn how to make $1,000 by tomorrow, then the fastest option is usually to find items in your home that you already own to sell.
This is because you already have stuff in your home (the average household has over 300,000 items!!) – so you may be able to sell something to make quick cash.
So, these would either have to be a lot of items or more expensive items. For example, you could sell clothing or gift cards, something big like a piece of furniture, electronics (maybe a gaming system or computer?), or a piece of jewelry.
Here are places where you can sell your stuff:
eBay: This site is great for unique or collectible items.
Amazon: Good for books, electronics, and almost everything. Here’s a helpful article to learn more – How To Work From Home Selling On Amazon FBA
Craigslist: The site has a wide range of categories for selling in your local area.
Facebook Marketplace: Connects you with local buyers.
Pawn shops: Quick cash for things like jewelry.
Flea markets: Rent a booth for the day and sell homemade items.
Garage sales: Set up a sale in your yard.
Poshmark: Easy online marketplace to sell clothing online.
To sell your stuff for the most money, make sure you take clear pictures, write honest descriptions (is there a tear or a stain?), price items competitively, and clean your items to make them more appealing.
And, always remember to stay safe by meeting in public spaces and avoid sharing personal information. With some effort and strategic selling, you can reach your $1,000 goal.
2. Start a blog
Starting a blog is not a quick way to make money, but it can be a stepping stone to making $1,000 in a day.
Plus, it’s my favorite way to make money online. In fact, I earn over $1,000 a day with this blog. So, I know that it is possible (don’t assume that means it is easy – it is not easy, trust me!).
Here are some steps to get started with a blog:
Set up your blog:
You’ll want to start by choosing a topic to write about, such as finance, family, travel, food, etc.
Purchase a domain name (this is basically the name of your blog).
Select a hosting service and install WordPress (you can find my tutorial for this here).
Write blog posts:
Write helpful and fun blog posts.
Publish a blog post at least once a week.
Monetize your blog:
Affiliate Marketing: Include affiliate links in your posts.
Sponsored Posts: Partner with brands for sponsored content.
Ad Revenue: Sign up for Google AdSense, Mediavine, Adthrive, or another display advertising company.
Drive traffic:
Promote your content on social media.
Engage in community related to your niche.
Guest post on other blogs to find new readers.
I recommend taking my How To Start A Blog FREE Course. In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
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Want to see how I built a $5,000,000 blog?
In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.
3. Freelance writing
Freelance writing can be a great way to make money quickly.
I have been a freelance writer for years, and I also know of many other freelance writers who are able to earn $1,000 in a day. For a freelancer who writes high-quality articles, a $1,000 day is simply a normal day for them.
Sites like Upwork, Fiverr, and Freelancer have plenty of writing opportunities across many different industries. If you can write quality, original content quickly, it’s possible to reach your goal of $1,000 by taking on multiple writing assignments.
You could also try cold pitching, which is where you find businesses that could benefit from your writing services and send them an email about how you can help them achieve their goals with your writing.
To make $1,000 in a day as a freelance writer, you may want to focus on your existing network as well, if you have one. So, this means that you may want to reach out to former clients or colleagues who might need your writing services.
4. Real estate investing
Although real estate investing requires up-front cost and time, you may be able to build up to earning $1,000 a day.
$1,000 a day is $365,000 a year, which some real estate investors are able to earn through methods such as:
Renting out a home on Airbnb
Flipping properties for income
Investing in REITs
And more.
Recommended reading: How This 34 Year Old Owns 7 Rental Homes
5. Affiliate marketing
Affiliate marketing is my favorite way to earn money, and it helps me to earn $1,000+ a day here on this blog.
With affiliate marketing, you are promoting products or services on your website, email list, or social media account. If you get someone to sign up or purchase through your referral link, you then earn a commission.
Most products that you can think of have an affiliate program too, so there are plenty of things you can share.
Think about sharing books from Amazon on your blog, for example. You share a link to a specific book and tell your readers to buy it through your special link. Companies like Amazon like affiliates who bring in good traffic because it helps them make more sales.
Here’s a helpful article where you can learn more: What You Need To Know About Affiliate Marketing For Beginners + How 17 Bloggers Earned Their First Affiliate Income
6. Making money on YouTube
Creating a successful YouTube channel can lead to you making an income. While it’s unlikely to make $1,000 within 24 hours from right now, you may be able to get up to that amount by building a following on YouTube by consistently producing high-quality videos.
I know several YouTubers who are able to make $1,000 each day through their YouTube channel.
Here’s a breakdown of some different ways to make money with a YouTube channel:
Ad revenue – Once part of the YouTube Partner Program, you can earn money through ad views on your videos. You’ll need at least 1,000 subscribers and 4,000 watch hours in the past year to join.
Channel memberships – Your fans pay a monthly fee for special perks like exclusive badges, emojis, and access to members-only content.
Super Chats and Super Stickers – During live streams, viewers can purchase Super Chats and Super Stickers to highlight their messages. This is a direct way to earn as you interact with your audience.
Affiliate marketing – Promote products within your videos and include affiliate links in the video description. You’ll earn a commission for every sale made through your links.
Sponsorships – Companies can pay you to create content that features their products, especially if your content aligns with their brand, and you have an engaged audience.
7. Drive with Uber or Lyft
Driving for a rideshare service such as Uber or Lyft can make you money, but it might be difficult to make $1,000 in one day. It can help you to reach a $1,000-in-24-hours goal, though, by stacking it with other side hustle opportunities.
Also, there are things you can do like focusing on high-demand areas and driving during peak hours to increase the amount of money that you can earn.
I know of several people who only drive for these gig apps when they know that they are able to make the most amount of money. This is because you may be able to earn hundreds of dollars extra each day or week by timing when you drive.
Here’s a strategy to boost earnings:
Drive during peak hours – Surge pricing during busy hours means higher rates.
Look for driving bonuses – Look out for streak bonuses and other incentives. Uber or Lyft will list these in the app.
Manage your car expenses – Keep track of your gas, maintenance, and other costs to maximize profits.
Peak Times
Potential Earnings Boost
Rush Hour (AM/PM)
Increased Surge Pricing
Weekend Nights In Nightlife Areas
High Demand, More Rides
Events (concerts, sports games, etc.)
Surge Pricing, Bonuses
To reach your goal, you should know about your city’s traffic and when people need services. Getting $1,000 in a day is tough, but with a good plan, hard work, and a bit of luck, it’s something you may be able to work toward.
Other gigs related to this include driving for Instacart, Doordash, Uber Eats, and other food delivery services to earn cash. They won’t earn you $1,000 in a day, but they can be another way to make money.
8. Sell printables on Etsy
Designing and selling printables on Etsy, such as planner pages or art prints, is a creative way to make passive income. While reaching your goal of $1,000 quickly might be a challenge, growing your Etsy store can lead to long-term earnings.
I know of several successful printables sellers, and it is something that I would like to start one day as well. This is an area that I think will just continue to grow. Printables are very popular these days, and more and more people use them all the time. I personally buy printables all the time, and I find them very easy to use and helpful.
Printables are digital items that you can download and print at home, such as grocery shopping checklists, budget planners, wedding invitations, wall art, and more.
I recommend signing up for the Free Workshop: How To Earn Money Selling Printables. This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
Recommended reading: How I Make Money Selling Printables On Etsy
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.
9. Sell your engagement ring
Selling jewelry, such as an engagement ring, can lead to you making money fast for when you need money right away.
If you really need the money and don’t mind parting with your engagement ring, then this may be an option for you to look into.
The value of your ring will depend on several factors, including the 4 Cs — cut, color, clarity, and carat weight — of the diamond, as well as the metal type and current market conditions.
One company I recommend looking into is Worthy.
Worthy sells wedding rings, loose diamonds, earrings, necklaces, bracelets, and luxury watches. They take care of everything, including appraisals and getting payment from the buyer.
You send your jewelry to them using a label they give you, and it’s insured. They put your item up for auction, and professional jewelry buyers can bid on it (you can set a minimum price). After the auction, you get the sale amount minus Worthy’s fee.
It usually takes around 2 weeks for the whole process, from sending the ring to getting paid.
Pawn shops and local jewelers are faster, but they might not give you the best prices. Selling online can make more money, but it takes longer with the auction process.
Recommended reading: How To Sell An Engagement Ring For The Most Money
10. Look for Craigslist gigs that pay
If you’re aiming to make $1,000 in a short span of time, you may be able to find quick jobs on Craigslist. Most of these will be one-time jobs, but there may also be full-time or part-time jobs.
To find Craigslist gigs in your town, just go to Craigslist and look for the “gigs” section.
Here are some jobs I found through a quick search:
Help loading and unloading a moving truck
Help with painting a home
Pet sitting and dog walking
Taking online surveys
Delivery driver
Data entry
Turning photographs into digital copies
Transport and install a microwave
House cleaner
Related reading: How I Earned $655 From Random Craigslist Jobs In One Month
11. Rent out your unused storage space
If you have extra space at home, you can rent it out to people in your area for storage. This could be a garage, driveway, closet, basement, or even an attic.
While reaching $1,000 in a single day would definitely be a stretch, renting out your space could give you a long-term income that you stack with other jobs on this list to make $1,000 a day.
You can use a website called Neighbor to list any extra space you have for rent, and you could make up to $15,000 per year.
You can also learn more about Neighbor at Neighbor Review: Make Money Renting Your Storage Space.
12. Consulting
If you’re really good at something, like business or marketing, selling consulting services can make you a good amount of money. You can charge more because of your expertise, and it’s doable to reach your $1,000 goal by taking on a few well-paying consultations.
I know several consultants who are able to make a very high income, in fact.
Companies hire consultants to get outside knowledge, a fresh viewpoint, and handle specific issues better.
Here’s how to start selling consulting services:
Identify Your Expertise – What are you good at? It could be marketing, finance, management, technology, or any other area where people seek expert advice.
Set Your Rate – Determine an hourly rate that reflects the value of your consultation. As a point of reference, if you charge $250 per hour, you would need to book four hours of consulting to meet your goal.
Network – Reach out to your professional network and let them know about your consulting service. Recommendations can go a long way.
13. Ask for a raise or for more hours
Talking to your boss about a raise might not get you $1,000 in a day, but negotiating a higher salary can be a good long-term strategy to make more money each year.
When approaching your employer about a raise, preparation is key.
Demonstrate your value – Before the meeting, compile a list of your accomplishments, contributions, and any additional responsibilities you’ve taken on.
Research market rates – Know the industry standards for your position and experience level to set a realistic raise request.
Time your ask – Ideally, schedule this conversation after a significant achievement or during a performance review.
Another way to increase your income at the job you already have is by working overtime. If you are paid hourly, you can see if your employer needs you to work any extra.
14. Sell an online course
If you know a lot about something, you can make and sell an online course. Websites like Teachable and Udemy let you create, host, and sell your course. While you might not make $1,000 right away, getting students over time can bring in a good amount of money.
I have an online course that I sell, Making Sense of Affiliate Marketing. I have also taken many online courses, such as on helping my toddler get better sleep, speech therapy for parents, business courses, blogging courses, and so much more.
And, these are all created and run by people like you and me.
There are many other things you can teach in an online course, such as:
Painting
Music lessons
Fitness and exercise
Time management tips
Parenting
Languages
Computer programming
Personal finance
Traveling
Photography and photo editing
Plants and gardening
Baking and cooking
Arts and crafts
Dropshipping
And so much more!
How Can I Get A $1000 Loan Within 24 Hours?
So, after reading the above, maybe you realize that you need $1,000 quickly and the above won’t work out for you fast enough. If that’s the case, then a loan may be another option to look into.
If you need a $1000 loan in 24 hours, first look at your options. Check if you can use your own things for quick cash. If not, check out personal loans and other ways to borrow money, but be aware that quick loans like these typically have very high interest rates that can be hard to pay off.
1. Assess your credit score: Your credit score plays an important role in your interest rate and terms of a personal loan. Generally, a higher score increases your chances of getting approved for loans with lower interest rates.
2. Explore online lenders: Some online lenders offer loans within a day, so you can get a $1000 loan in 24 hours. Fill out an easy application and compare the terms and payment choices from different lenders to pick the best one for what you need.
3. Look for short-term loans: If time is really important, you may be thinking about short-term loans like payday loans or title loans. They usually get approved faster, but keep in mind, these loans almost always have high interest rates and shorter times to pay back, so please be as careful as you can. You don’t want to go into some crazy debt that you will never be able to pay off.
Frequently Asked Questions About How To Make $1,000 In 24 Hours
Below are answers to common questions about how to make $1,000 in 24 hours.
How can I make a quick $1,000?
To make $1000 quickly, you can start by thinking about selling things you don’t need. Everyone has stuff in their home that they aren’t using – start with those items!
What are the fastest ways to earn $1,000 online?
Some of the fastest ways to earn $1,000 online include:
Freelancing with your skills, such as writing, designing, or coding
Affiliate marketing through your personal blog or social media channels
Creating and selling digital products, like ebooks, graphics, or courses
This really depends on what your definition of fast is. Some of the above income streams will take longer than others, of course.
Which passive income streams can pay $1,000 quickly?
While passive income streams typically take time to build, there are some options that can make $1000 quickly, such as with:
Rental properties, if you own an empty space or have a spare room in your home that you can rent out
Dividend-paying stocks, though you’ll need a very large amount of money invested to make that kind of money in a single day
Online courses or subscription-based services
The initial setup might take time and effort, but the long-term rewards could be worth it. Learning how to make $1,000 a day in passive income is possible, but it would require a lot of up-front legwork to get you there.
Recommended reading: 18 Passive Income Ideas To Earn $1,000+ Each Month
Which freelance jobs can generate $1,000 within a day?
Earning $1000 within a day of freelancing is ambitious, but it’s possible through high-paying gigs and opportunities like:
High-ticket sales or consulting services, where you share valuable advice and expertise
Technical jobs, like IT consulting or software development, if you have in-demand skills
Creative projects with tight deadlines, such as writing marketing copy for advertisements, web design, and graphic design
Learning how to make $1000 in 24 hours online through freelancing is possible, but it will take you some time to get to this point.
How To Make $1,000 In 24 Hours – Summary
I hope you enjoyed this article on how to make $1,000 in 24 hours.
While some may earn you $1,000 in the next 24 hours (such as selling an expensive item that you already own – like jewelry or a gaming system), others may take you time to earn $1,000 in a 24-hour time period.
Some on this list may be a full-time job, and others may be part-time or even one-time odd jobs (such as on Craigslist).
Getting $1,000 in a day might seem hard, but with the right plans and effort, it is doable. Whether you have a surprise expense that you need to pay for, want to boost your savings, or simply just want to start making more money, making money at this level is possible.
Have you ever needed $1,000 fast? What have you done to make $1,000 quickly in the past?
A new mortgage help plan coined “Project Lifeline” was unveiled today by the Treasury Department and the Department of Housing and Urban Development.
The plan will assist borrowers who are 90 days or more past due on their mortgage, and will not be limited to high-cost subprime mortgage holders like previous plans targeted.
Borrowers with prime loans, Alt-A mortgages, fixed-rate loans, and second mortgages will also be eligible for assistance under the new plan.
Project Lifeline will allow seriously delinquent homeowners to delay foreclosure proceedings for 30 days while lenders attempt to work out new terms to avoid one.
“For many families, Project Lifeline will temporarily pause the foreclosure process long enough to find a way out. Loan modifications may follow. And, this program is not only available to subprime borrowers but to people with any kind of home mortgage,” said HUD Secretary Alphonso Jackson.
“There’ll be homeowners who still take no action and some will still walk away,” Treasury Secretary Henry Paulson said. “But some borrowers facing immediate foreclosures may find solutions.”
Letters will be sent out to homeowners more than 90 days behind on their mortgage, at which point the homeowner has 10 days to respond and provide additional financial information so the lender is able to determine new mortgage payment options.
It will initially involve major mortgage lenders like Bank of America, Citigroup, Countrywide, JPMorgan Chase, Washington Mutual and Wells Fargo, on a pilot basis.
The move comes as banks and lenders continue to take on huge losses related to the recent rise in foreclosure proceedings.
The plan is intended to supplement efforts already in place via programs like FHASecure and Hope Now, which offer some solutions to homeowners but leave many others with few places to turn.
“The sum total of these actions is a powerful correction to the downward spiral of the housing market. It will lead to a reversal of misfortune, saving homes and equity, providing necessary sanity and salvation for many families on the brink of foreclosure,” said Jackson.
It’s good to see that government officials are finally realizing that it’s not just a subprime crisis, but rather a complete overhaul that is needed.
If you’re contemplating joining a gym, the cost of membership will likely play a huge role in your decision. To make sure you spend your money wisely, pay close attention to the gym’s offerings and think carefully about whether you even need a membership to accomplish your fitness goals.
Here’s what to know before signing up for a gym, plus ways you might be able to save on membership.
How much does a gym membership cost?
Gym memberships cost between $10 and $100 a month generally, with even some well-known names on the lower end of that range. But rates can get much higher, especially at luxury fitness clubs.
Determining the true price you’ll pay for a membership can be tricky because many gyms obscure the details. For example, some clubs require a year’s commitment with payment upfront or will tack on a sizable fee.
Here are some of the baseline membership costs we’ve seen advertised at popular gym chains:
Planet Fitness: Starts at $10 per month plus taxes and fees.
24 Hour Fitness: Starts at about $10 a month plus tax.
Crunch Fitness: Starts at $9.95 per month.
Gold’s Gym: Starts at about $30 a month.
Costs can vary greatly depending on factors like the gym’s location, membership tiers and whether you choose to pay monthly or annually. Read the fine print on a gym’s website or ask a membership representative to disclose full pricing details.
What to consider before joining a gym
The price tag is important, but it’s just one of many possible things worth basing your decision on. Here’s what else to take into account as you shop around for a gym.
Your budget
A gym’s membership cost should be considered in context. Add up the other monthly expenses you’ll need to manage, such as groceries and utility bills, to see how much room you have in your budget. This can help you learn whether you’ll have enough money for a basic or top-tier membership, or if you should hold off on signing up for the time being.
If a membership isn’t in the budget right now, consider setting money aside in a separate savings account every month until you reach your target.
The gym’s location
Convenience is key. You’ll probably feel more motivated to visit a gym that’s close to your home, work or school than one in a distant neighborhood. Explore the options in areas you already frequent.
Think about whether a chain or a standalone gym makes more sense for you. Some gyms restrict membership to one specific spot while others allow you to use it at other locations in the network. You might pursue a flexible membership if you’d like access to your gym when traveling or the option to work out at sites near both home and work, for example.
The quality of the gym
Evaluate the facilities. Does the gym have the right type of equipment for the workouts you plan to do? Is there enough equipment to accommodate a rush of gym-goers during peak hours? Are the facilities clean and well-maintained or do they seem rundown?
Pay attention to what else the gym has to offer. Maybe it serves as a larger fitness center with classes and a tennis court. Ask yourself if amenities like a sauna, swimming pool and child care services are must-haves, nice-to-haves or unnecessary.
The gym’s hours
Unless you have a flexible schedule, a gym’s operating hours are going to be a crucial part of your decision. If you can only manage late nights or early mornings, you’ll need a fitness club that’s open at those times. It’s also wise to find out whether the full range of services is available during all hours.
Alternative ways to exercise
Think about if it’s even necessary to join a gym at all. There are many free or low-cost ways to work out, such as jump roping or following along with Pilates videos on YouTube.
If you plan to use only the treadmill at the gym, you could save money by going for a daily run instead. Purchasing your own equipment often costs less over the long term too.
Alternatives won’t always make sense, though. For example, you may not have space for barbells or a stationary bike in your home. Creating a home gym can also be expensive upfront.
Your motivation
How likely are you to go to the gym if you join? Think about your reasons for wanting a membership, plus how difficult it will be to physically get yourself to the gym.
If you have a demanding job or home life, maybe you won’t realistically spend enough time at the gym to make getting a membership worth it.
On the other hand, having a dedicated place to work out surrounded by other people exercising could be exactly the motivation you need.
Trial periods
Many gyms offer free trial periods or one-day passes. Testing out a facility can help you figure out if it’s a good fit before you make a financial commitment. Take advantage of free trials or guest passes at the gyms you’re interested in, if available.
Questions to ask before signing up for a gym membership
You’ve read through the list above and decided that you do in fact want to join a gym. Make sure you fully understand what you’re signing up for first. Getting answers to these questions is a good starting point:
How much would I have to pay upfront to join the gym?
How much does a membership cost on a per-month or per-year basis, including taxes and fees?
What services and amenities are included in the membership? Personal trainers could be one example.
Am I required to sign a contract?
How can I cancel the membership?
How to save money on a gym membership
Before you enroll, look for ways to get a good deal.
Get a referral
Have a friend or relative who’s affiliated with the gym you’re eyeing? Ask them if there’s a referral offer. You could get a deal such as a lower fee, gift card or free week’s worth of membership. The person referring you might receive similar benefits as a bonus.
Piggyback on someone else’s membership
Certain gym memberships include guest privileges, and some plans are designed for family and friends to share. See if you can tag along for free or split the cost with someone.
Use employee benefits
Many companies offer a gym stipend or corporate discount. If you’re employed, ask about any fitness perks that might be available to you. If your company doesn’t provide a discount directly, it may offer a health insurance plan that covers some fitness costs.
Look for offers
Some gyms lower membership costs at certain times of the year, such as Black Friday or New Year’s. Past promotions we’ve seen include waived enrollment fees and two years for the price of one.
Another potential source of savings: your credit card. The right rewards card can help you earn points or get cash back on your membership purchase. Check out some of the best credit cards with fitness perks or see if you can get an offer through your current card.
Ask about special discounts
Some gyms offer reduced membership rates to certain groups such as students, older people or military members. Ask around to find out if you qualify for any discounts.