There’s nothing that makes my morning coffee taste better than sitting down and penning an article on a midcentury modern gem designed by one of the style’s most masterful architects.
Richard Neutra, the Austrian-American architect, spent most of his career in Southern California, designing masterpieces like the Kaufmann House, the Lovell House, and the Singleton House, to name just a few of his most notable works.
He’s also known as one of the architects who built Palm Springs, and turned it into a beacon of midcentury modernism, alongside other notable names like Albert Frey, Hugh Kaptur, John Lautner, and William Cody.
In fact, Neutra’s designs are some of Palm Springs’ most recognizable architectural homes — and a select few, Kaufmann House included, recently graced the big screen in Olivia Wilde’s Don’t Worry Darling, a tribute to Palm Springs’ rich architectural past.
But today, we’re turning our eyes toward Neutra’s Los Angeles-area homes. More specifically, a gorgeous midcentury modern abode the architect built in Brentwood’s prestigious Crestwood Hills, known as the Adler House, that recently landed on the market for $2,998,000.
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A piece of architectural history
Designed in 1956 for a local physicist, Dr. Fred Adler and his wife, Alicia Adler, the Adler House is one of more than 300 houses Neutra designed in California. It’s located in Crestwood Hills, the modernist enclave in Brentwood, Los Angeles that’s been likened to “a jewel box” of single-family homes designed by midcentury masters (including A. Quincy Jones, Whitney R. Smith, Richard Neutra, and Craig Ellwood).
A quintessential midcentury modern design, the house was immortalized in the annals of modernist architecture by lauded photographer Julius Shulman.
Now a $2,998,000 listing
The property was listed in late August with F. Ron Smith and David Berg of Smith & Berg Partners at Compass for $2,998,000. But the agents may have already secured a buyer for the architecturally significant abode, as the listing is marked as “Active, Under Contract” on the brokerage’s website.
Interiors have a minimalist aesthetic
The Adler House has 2,299 square feet of minimalist interiors, with 3 bedrooms and 2 baths. The main living area has an open floor plan lined with walls of windows framing eye-catching views.
A step-down living room, typical of the style
The spacious step-down living room anchored by a sleek stone fireplace acts as the heart of the home, with access to a front deck that seamlessly blends indoor and outdoor spaces.
See also: 22 Frank Lloyd Wright homes you’ve probably never heard of
Its large windows frame breathtaking views
Large windows frame breathtaking views from the Pacific Ocean to Century City, the Getty, the DTLA skyline, and mountains beyond.
The kitchen
The updated kitchen is illuminated by a skylight and equipped with top-of-the-line appliances — including a Sub-Zero fridge and double oven — with its windows overlooking the pool deck.
The dining room
Adjacent to the living area, the dining room features an original built-in cabinet and flows effortlessly into the updated kitchen.
The primary bedroom
The primary suite of the midcentury modern home is lined with windows overlooking canyon vistas, and boasts a generous walk-in closet, a dual-vanity ensuite with a luxurious double shower, and direct access to the backyard.
More beds & baths
On the opposite wing of the home, two secondary bedrooms share a bathroom and have views overlooking the outdoor deck, one with a secret hidden door to a walk-in closet.
Sliding glass doors lead to outdoor amenities
Sliding glass doors lead to a vibrant private backyard that’s completely secluded by lush greenery.
Including a pool, spa, and sundeck
Here, a sparkling pool, spa, turf lawn, and sundeck are ideal for alfresco gatherings or quiet evenings. Stone steps at the back of the home lead to a tiered hillside area that could be left as-is or completely transformed by gardening hobbyists.
More stories
Richard Neutra-designed stilt house looms over the San Fernando Valley in Los Angeles
Here are 13 of our all-time favorite Midcentury Modern houses (and some of their famous past owners)
RHCP bassist Flea’s house is a retro-futuristic hilltop compound with a 7-sided home and Richard Neutra connections
To qualify for Refi75, mortgage brokers must meet certain criteria, including having a lender-paid compensation plan at or below 1.5%. If the general compensation plan is above 1.5%, then brokers can adjust the refi compensation plan in compensation settings via the EASE platform, even if they’ve been changed within the past 90 days. Read next: … [Read more…]
Are you looking for the best digital marketing side hustles? Digital marketing side hustles are a great way to earn extra money online. With so many options like social media management, SEO, and affiliate marketing, there’s bound to be a side hustle that fits your interests and skills. Why should you start a digital marketing…
Are you looking for the best digital marketing side hustles?
Digital marketing side hustles are a great way to earn extra money online. With so many options like social media management, SEO, and affiliate marketing, there’s bound to be a side hustle that fits your interests and skills.
Why should you start a digital marketing side hustle? It gives you the freedom to work from anywhere, the flexibility to set your own schedule, and the chance to build new skills. Whether you’re a beginner or have some experience, you can probably find a digital marketing side hustle that works for you and suits your lifestyle.
I have been hearing the term “digital marketing side hustle” a ton online lately, and I wanted to write a full article on it so that you can learn more about it as well. These types of side hustles are extremely popular right now (and I think they will be for a really long time)!
What is digital marketing?
Digital marketing is any online marketing that takes place on the internet.
It includes a lot of different activities:
Social media – Sharing posts on platforms like Facebook and Instagram
Email – Sending promotional messages to people’s inboxes
SEO (Search engine optimization) – Making a website more visible on search engines like Google
Content creation – Writing blog posts or making videos to connect with an audience
Why is digital marketing important?
It helps businesses reach more people. Many people shop online, so having a strong presence is key.
A digital marketing side hustle is a way to make extra money by growing a business online (this could be your own business or someone else’s!). This could mean running social media accounts, making ads, writing content, or improving websites so they show up better in search results (SEO).
It’s a flexible job you can do from home and often at your own pace, which is great if you want to earn money without a full-time job. Some people even turn their digital marketing side hustle into a full-time job (this is what I’ve done!).
Best Digital Marketing Side Hustles
Below are the best digital marketing side hustles.
1. Blogging
Blogging is a great digital marketing side hustle for a person who wants to be creative.
For me, this is my favorite digital marketing side hustle, and I started this very blog that you’re reading as a side hustle. (It’s now my full-time job.)
I started making over $1,000 a month from my blog around one year after starting, and I was making around $10,000 a month just two years later. I have now earned over $5,000,000 from my blog over the years (you can read all of my income reports here). I am able to travel whenever I want, and I really love what I do.
You can start a blog about something you’re passionate about. Whether it’s cooking, travel, or fashion, there’s an audience out there for almost any topic.
To make money from your blog, you can use display ads, sponsored posts, affiliate marketing, or even sell your own products (like courses, ebooks, T-shirts, etc.).
I have free training that you can take to learn more about starting a blog – How To Start A Blog FREE Course. 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.
2. Social media management
Social media management is a popular digital marketing side hustle. Businesses need help with their social media accounts and you can earn money by managing these accounts for them.
Social media managers create posts, respond to comments, and grow their followers. This helps companies get more customers and build their brand.
I have been a social media manager in the past, and it is an interesting and fun job if you like social media. I specialized in Facebook marketing, but you could manage a company’s TikTok, Pinterest, Instagram, and more for them.
3. Affiliate marketing
Affiliate marketing is a great way to earn money online. You promote products or services and earn a commission for each sale made through your referral link. This can be done on platforms like blogs, YouTube, or social media.
Affiliate marketing is one of my favorite digital marketing side hustles too! I love that I can write content and possibly earn money from it years later, all because people are still searching and reading the content that I wrote a long time ago. So, this means that I can earn money while I’m sleeping or on vacation.
One of the other best parts about affiliate marketing is that it has a low entry cost. You don’t need to invest in inventory or worry about shipping. You just share products you believe in and can start earning money (the company that you are promoting does most of the work).
Creating quality content is key when it comes to affiliate marketing. I recommend that you always write honest reviews, make tutorials, or share personal experiences. These best practices build trust with your audience and increase the chances they will buy through your links.
Plus, there are affiliate programs for almost every product you can think of nowadays, so this is a digital marketing strategy that you can probably easily start.
If you want to learn more about affiliate marketing, I recommend learning more at Affiliate Marketing Tips For Bloggers – Free eBook.
4. Selling online courses
Selling online courses can be a great way to make extra money. If you have expertise in a subject, you can create a course and sell it online.
Many people are looking to learn new skills and are willing to pay for quality courses. I buy online courses all the time and I have learned so much. (I have bought courses related to running an online business, blogging, personal finance, and even parenting courses such as childbirth and baby sleep.)
Here are some course topic ideas:
Personal finance – Courses on budgeting, investing, or paying off debt can be popular.
Blogging – Teach others how to start a blog, create engaging content, or monetize their platforms.
Online business and entrepreneurship – Share insights on starting an online business, dropshipping, or creating digital products.
Health and wellness – Topics like fitness routines, nutrition planning, or mental health can be so helpful.
Skills and hobbies – You can teach anything from photography, painting, and cooking to coding, graphic design, or language learning.
Career development – Courses on resume writing, job interview strategies, or career coaching can be valuable for those looking to advance in their careers.
Social media marketing – Teach strategies for growing a following, creating content, or using platforms like Instagram, TikTok, or LinkedIn for business.
Parenting and family – Courses on parenting strategies, homeschooling, or managing work-life balance as a parent can be very helpful.
Arts and crafts – You can sell courses on creative writing, drawing, digital art, or playing music.
Travel planning and hacks – Share your expertise on travel planning, finding deals, or traveling on a budget.
Creating a course can take some time, but the payoff can be worth it. You can record video lessons, create quizzes, and provide downloadable resources. Once your course is ready, you can sell it on platforms like Teachable (this is the platform I use for my courses) or your own website.
You can learn more about the course that I created at How I’ve Made Over $1,000,000 From My First Course Without a Big Launch.
5. Creating a YouTube channel
Starting a YouTube channel can be a great way to make money. It’s all about creating videos that people want to watch. You don’t need fancy equipment and many people start with just a cell phone.
The key to success on YouTube is to find a niche you enjoy and create consistent, high-quality content that resonates with viewers.
Making money with your YouTube channel can be done through multiple ways, such as ad revenue, sponsorships, affiliate marketing, and selling your own products or services.
You can learn more at How Much Money Do YouTubers Make?
6. Dropshipping
Dropshipping is a popular way to start a side hustle. This type of business lets you sell products online without needing to have inventory. All you do is set up an online store, and when a customer orders, the supplier ships the product directly to them.
You don’t need a big budget to start dropshipping. Most of the costs go into creating and marketing your online store, so this can make it a low-risk option for beginners.
7. Virtual assistance
Virtual assistance is a flexible and rewarding side hustle. If you’re good at organizing, managing tasks, or providing customer support, you can help businesses stay on track.
Virtual assistants (VAs) do many kinds of work. You might handle emails, manage social media accounts, manage their blog, schedule appointments, and more. You can choose tasks that match your skills.
You don’t need much to get started. A computer and internet connection are enough. Many clients don’t care about formal education as long as you can do the job well.
I was a virtual assistant for several years, and I really enjoyed the job. Now, I currently have a virtual assistant and she is a lifesaver for my business!
You can learn more at How To Find Virtual Assistant Jobs.
8. Selling ebooks
Selling ebooks is a good way to make money online. You can write about anything you know well. Whether it’s cooking, personal finance, fiction, or self-help, there’s an audience for your expertise.
Or, you can also write fiction such as romance novels.
Publishing platforms like Amazon Kindle Direct Publishing (KDP) and Barnes & Noble Press make it easy to self-publish and reach a wide audience. You can also sell your ebook directly from your own website, allowing you to keep a larger portion of the profits.
Promotion is extremely important when it comes to writing a book, so you’ll want to use digital marketing, such as social media, your blog, or even email marketing to reach potential book buyers.
The best part about selling ebooks is that it creates passive income. Once your ebook is published, it can possibly sell with little ongoing effort, making it a great way to earn money over time.
9. Graphic design
Graphic design is a good side hustle for anyone with a creative eye. You can use your skills to create logos, websites, social media graphics, and more. People and businesses always need good design to stand out.
I have hired graphic designers many times in the past, and I know of many other business owners who have as well.
One of the best things about graphic design is that you can start without spending a lot of money. There are free or low-cost design tools, like Canva, that help you make professional-looking graphics without needing expensive software.
Graphic design is needed in many fields, from making social media images and website banners to designing ebooks, infographics, and print materials. This gives you the chance to pick projects that match your interests and skills.
10. Freelance writing
Freelance writing is a great way to make extra money. If you love writing, it’s a perfect fit. You can write about topics you enjoy and get paid for it. Many businesses need content for their blogs, websites, and newsletters.
As a beginner, you might start with lower-paying jobs. This helps you build a portfolio. Over time, you can raise your rates as you gain experience.
There are many types of freelance writing. You can write articles, blog posts, product descriptions, or social media content. You might also do copywriting or ghostwriting.
I have been a freelance writer for years and I really enjoy it due to the flexible schedule and being able to work from home.
You can learn more at 14 Places To Find Freelance Writing Jobs – (Start With No Experience!).
11. Email marketing
Email marketing is a great side hustle. It involves sending emails to a group of people to promote products, services, or events. This may involve running your own email list or helping other businesses reach their customers directly.
You don’t need much to start. Just a computer, internet connection, and starting an email list on a platform like Convertkit.
For my email list, I use Convertkit. They make it easy to manage my newsletter email list and send high-quality emails.
12. SEO consulting
SEO consulting is all about helping websites appear higher in search engines like Google. If a website ranks higher, more people will visit it.
This might involve fixing content, making the site faster, looking for the best keywords (with keyword research), doing competitor analysis, building links from other sites, on-page optimization, and making sure the site works well on mobile devices. You’ll also need to keep up with the latest SEO trends and changes since search engines are always changing.
13. Run Facebook ads for small businesses
By running Facebook ads for local businesses, you can help small businesses reach new customers, and you may be able to earn $1,000 a month for each client that you have.
Facebook is one of the largest advertising spaces that exists, and this is an area that will just continue to grow and be popular.
Also, there is a free webinar (you can sign up here) that will teach you how to start this business, even if you’re new.
14. Influencer marketing
Influencer marketing is when you use social media to promote products or services. There are many social media platforms that you can get started with, such as Instagram, TikTok, YouTube, and Facebook.
You have probably seen people on Instagram or YouTube showing off clothes, their favorite electronics, vacations, or even food. These content creators are getting paid to do that.
You don’t need millions of followers to start. Even with a few thousand engaged followers, brands might pay you to talk about their products.
I have done many influencer marketing partnerships over the years and I think it’s a great gig, especially if you have passion for the topic that you are creating content on.
15. Video editing
Video editing is a great digital marketing side hustle. Lots of businesses need videos to promote their products or services, and you can help them create polished, engaging content.
You don’t need a lot of fancy equipment to start. A decent computer and good editing software will do.
Many video editing projects can be done remotely so this means you can work from home or anywhere with an internet connection.
Video content is everywhere. From YouTube to Instagram, more people want high-quality videos and this means there’s a growing demand for video editors.
Frequently Asked Questions
Below are answers to common questions about digital marketing side hustles.
Is digital marketing a good side hustle?
Yes, digital marketing can be a good side hustle. There are many ways to make money with digital marketing, so there is probably something that may fit what you’re looking for. Plus, many digital marketing side hustles don’t cost a lot of money to begin, so there is little risk to start.
Can I do digital marketing with no experience?
Yes, you can start digital marketing with no experience. Many online resources (such as blog posts) and courses can teach you the basics.
What are some digital marketing side hustles for beginners?
For beginners, some great digital marketing side hustles include blogging, managing social media accounts, and affiliate marketing. You might also try selling online courses or creating a YouTube channel. These are all beginner-friendly options.
What’s the best way to learn digital marketing skills to make money on the side?
The best way to learn digital marketing skills for making extra money is to start with free resources like blogs, YouTube videos, and podcasts that teach the basics. After that, you can take online courses to learn more about specific topics like SEO, content marketing, social media marketing, or email marketing.
How can I turn email marketing into a profitable side job?
To turn email marketing into a profitable side job, start by building an email list. You can share valuable content or discounts to your subscribers. Then, send regular newsletters or promotional emails.
Best Digital Marketing Side Hustles – Summary
I hope you enjoyed this article on the best digital marketing side hustles.
Digital marketing side hustles can be a great way to make extra money from home. Whether you like blogging, managing social media, or affiliate marketing, there’s probably a side hustle that can match your interests.
Many of the digital marketing jobs listed above are flexible and can be done from anywhere, making them really appealing.
There are also lots of resources to help you get started, so even beginners can jump in and start earning. If you want to add to your income or try out a new career, digital marketing side hustles can be a great choice.
What digital marketing side hustles are you interested in?
Guaranteed by the Federal Housing Administration, FHA 203(b) and FHA 203(k) loans are both types of mortgages with more flexible credit and income requirements than conventional mortgages. While the FHA 203(b) loan is the flagship loan program for homebuyers, 203(k) loans can help you buy a fixer-upper in need of significant repair. A 203(k) loan can roll repair costs into the mortgage amount. Learn more about FHA 203(b) vs 203(k) and their key similarities and differences.
FHA 203(b) Loans
Often simply referred to as FHA loans, FHA 203(b) loans are mortgages for homebuyers. Current homeowners can also use FHA 203(b) loans to refinance their home loan.
What Is an FHA 203(b) Loan?
FHA 203(b) loans are insured by the Federal Housing Administration and may be more accessible to borrowers with less-than-stellar credit or a high debt-to-income ratio than conventional mortgages.
There’s lots to learn about the basics of FHA loans, but here are some highlights: You can use one to purchase a single-family home or a property with up to four units. (FHA borrowers must make the property their primary residence for at least one year.) Whatever type of property you choose, it must pass the FHA’s appraisal and inspection standards. Basically, the home must be in good condition and not require major repairs or renovations.
FHA loans come with both upfront and annual mortgage insurance premiums. The upfront cost is 1.75% of your loan amount and is collected at closing. The annual costs vary depending on your loan-to-value ratio and other factors. You’ll pay MIP (mortgage insurance) for 11 years if your down payment is 10% or higher. If your down payment falls below 10%, you’ll pay MIP for the life of the loan.
Eligibility Requirements
While FHA 203(b) loans are insured by the Federal Housing Administration, you’ll have to apply for one through a participating lender, such as a bank or credit union. Here are the eligibility requirements borrowers must meet:
• Credit score of 500 or higher: You can qualify with a credit score as low as 500 if your down payment is at least 10%. If your down payment is lower, you generally need a credit score of 580 or higher.
• Down payment of at least 3.5%: You must provide a minimum down payment for an FHA loan of 3.5%, but a down payment of 10% or higher can mean a lower credit score requirement and fewer years of MIP payments.
• Debt-to-income (DTI) ratio no higher than 43%: Your DTI compares your monthly debt obligations with your income.
• Loan size that falls within FHA limits: The limits vary by property size but currently fall between $498,257 and $1,149,825 for one-unit properties.
Property Requirements
You won’t need an inspection to obtain an FHA loan, but before a lender can issue you an FHA 203(b) loan, an official appraiser needs to check that the property meets FHA standards for safety, security, and soundness. The appraiser will check out the interior and exterior of the home and look for features such as:
• Functional home systems and appliances
• A well-ventilated basement or crawl space
• Working plumbing with hot and cold water
• A roof with at least two years of life left
• A durable foundation with sufficient drainage
The home must meet the FHA’s minimum property standards in order to be eligible for FHA loan financing. It should also adhere to FHA flipping rules, designed to prevent borrowers and lenders from falling prey to fraud.
Found a home that needs significant work? Then you might be better off with an FHA 203(k) loan.
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
Questions? Call (844)-763-4466.
FHA 203(k) Loans
The FHA 203(k) loan program is geared toward fixer-uppers that need major repairs. Here are the details of FHA 203(k) loans, including how they work and their eligibility requirements.
What Is an FHA 203(k) Loan?
FHA 203(k) loans help homebuyers finance the purchase of a home and the costs of its repairs in a single mortgage. There are two types: the limited 203(k) loan and the standard 203(k) loan.
The limited 203(k) loan lets you finance up to $35,000 in your mortgage for repairs and upgrades. The standard 203(k) loan doesn’t specify a maximum limit, but it’s designed for major repairs that will cost at least $5,000.
The total property value and cost of repairs, however, must still fall within the FHA’s maximum mortgage limits. Some projects that a 203(k) loan could cover include:
• Fix water damage
• Perform electrical repairs
• Repair or replace major appliances
• Repair termite or pest damage
• Complete unfinished renovation projects
Eligibility Requirements
The eligibility requirements for an FHA 203(k) loan are similar to those of an FHA 203(b) loan. You’ll need a credit score of at least 500 or 580, depending on your down payment size, and a DTI ratio no higher than 43%. The minimum down payment requirement is 3.5% and the loan comes with upfront and annual MIP costs.
Property Requirements
If you apply for a 203(k) loan, an official appraiser will check out the property and gather details on its interior and exterior structure. The home must be in need of at least $5,000 in repairs to qualify for the standard 203(k) loan. You generally need to complete the work within six months.
Recommended: Home Loan Help Center
Comparing FHA 203(b) and FHA 203(k) Loans
In a survey of FHA 203(b) vs. 203(k) loans you’ll see lots of similarities. Both are insured by the FHA and have less strict credit and DTI requirements than conventional mortgages. Plus, they require only a 3.5% down payment, making them accessible to homebuyers with limited funds upfront.
However, 203(b) loans are meant to help you buy a turnkey house that is more or less move-in ready. The home must meet the FHA’s minimum property standards and not have any major structural issues or damage.
A 203(k) loan, on the other hand, can be used to finance a fixer-upper that needs work. This type of loan lets you roll the repair costs into the mortgage so you don’t have to pay for them out of pocket. However, you’ll need to finish the work within a certain time frame.
Deciding Between FHA 203(b) and FHA 203(k)
A 203(b) loan is the more common choice among FHA loans. It could be a good fit if you want to buy a home or invest in a property that’s in relatively good condition. An FHA 203(k) loan, meanwhile, could make sense if you’re looking to buy a home in need of repair. Keep in mind, though, that you’ll end up paying interest on any repair costs that you roll into the mortgage. Plus, FHA 203(k) loans can have slightly higher interest rates than their 203(b) counterparts.
Recommended: Tips to Qualify for a Mortgage
Applying for FHA 203(b) and FHA 203(k) Loans
If you’ve studied an FHA loan guide and think this type of loan is for you, you can apply for an FHA 203(b) or 203(k) loan with a lender that issues these types of loans. It’s a good idea to explore your options for both FHA loans and conventional mortgages to determine which type of financing would be most affordable for you.
Lender Requirements
The lender has to abide by Federal Housing Administration criteria, but they might set even higher requirements. Some companies, for example, will only consider potential FHA borrowers with a credit score of at least 580. It could be worth shopping around to find a lender with requirements that you can meet for credit score, DTI ratio, and other financial factors.
Required Documentation
As with any type of mortgage, you’ll need to provide a bunch of documentation to get an FHA loan. This may include:
• Income tax returns
• W-2s or 1099s
• Pay stubs
• Bank account statements
• Investment account statements
• Identification
The lender will also run a credit check to review your credit.
Application Process
You’ll need to fill out an application for your FHA loan with your personal and financial details, as well as information on the property and your down payment amount. After submitting the application, you’ll likely encounter the following steps:
• Schedule an appraisal: An FHA-approved appraiser will evaluate the property and determine its market value.
• Wait for loan underwriting: The lender will verify your information and process your loan. You may be asked to submit additional information or documentation during this time.
• Close on your loan: Once everything goes through, you can close on your loan, provide your down payment, and move forward with purchasing your new home.
If you’re applying for an FHA 203k loan, you may need to work with a consultant, who will estimate repair costs for the home. Working with a licensed contractor who understands the 403k loan requirements may also be part of the process. Once the work is finished, the consultant will evaluate the project to ensure it meets FHA standards.
The Takeaway
FHA loans can be a useful financing option for homebuyers who may not be able to meet the credit and DTI ratio requirements for a conventional mortgage, though they do come with mortgage insurance premiums that can increase the cost of borrowing. A 203(b) loan can help you purchase a move-in ready home, while a 203(k) loan can be used to finance renovations and repairs.
SoFi offers a wide range of FHA loan options that are easier to qualify for and may have a lower interest rate than a conventional mortgage. You can down as little as 3.5%. Plus, the Biden-Harris Administration has reduced monthly mortgage insurance premiums for new homebuyers to help offset higher interest rates.
Another perk: FHA loans are assumable mortgages!
FAQ
Can I use an FHA 203(k) loan for a new construction home?
FHA 203(k) loans can only be used for properties that are at least one year old.
Are there limits on the renovation costs for an FHA 203(k) loan?
With a limited FHA 203(k) loan, homebuyers can finance up to $35,000 in their home loan to repair their home. A standard 203(k) loan, on the other hand, can finance major rehabilitation and repairs as long as the costs are at least $5,000. The total cost of the loan and renovation cannot exceed the FHA Maximum Loan Limit which in 2024 is $498,257 for a single-family home in most places.
Are interest rates different for 203(b) and 203(k) loans?
FHA 203(k) loans typically have interest rates that are about 0.75% to 1.00% higher than standard FHA loans, according to The Mortgage Reports.
Photo credit: iStock/andresr
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SoFi Mortgages Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
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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Boise, Idaho, often known for its vibrant outdoor scene and fun-filled adventures, offers more than just the usual tourist attractions. With its blend of natural beauty, rich cultural heritage, and a thriving local scene, Boise offers countless unique things to do that sets it apart from other cities.
Whether you’re hunting for apartments in Boise, exploring homes for sale, in search of a rental home, or simply beginning to imagine life in this beautiful city, you’re in for a treat. With these unique things to do in Boise, get ready to see why this city could be the perfect backdrop for your next chapter.
1. Discover a downtown hideaway
If you’re planning on visiting the area before making the move to Boise, finding the perfect place to stay can make all the difference in your experience. From chic boutique hotels to cozy, well-appointed lodgings, downtown offers a range of accommodations to suit every taste and budget.
“We love our neighbors at The Avery Hotel and Brasserie because they have a killer wine list, amazing French-inspired food, and an elegant atmosphere,” recommends Kathryn McClaskey, Founder of House of Wine, a favorite local wine bar.
“The building dates back to 1910 and was carefully restored and elevated to a boutique hotel after the top stories were vacant for decades,” explains McClaskey. “The hotel is elegant and intimate with lots of historic touches. It’s also centrally located in downtown Boise with several fun shops, restaurants, and coffeehouses located close by.”
2. Experience a raging rapids adventure
Boise, with its breathtaking and abundant natural landscapes, provides an endless array of outdoor adventures. To explore the city’s scenic wonders, embark on an overnight rafting adventure with America’s Rafting Company through Hells Canyon. Featuring thrilling class III & IV rapids, excellent fishing, breathtaking scenery, and the finest river trip cuisine, you’ll get to experience rafting through the deepest canyon in North America, right in Boise’s backyard.
3. Get away on the Greenbelt
The Boise Greenbelt is a beautiful 25-mile trail that follows the Boise River, showcasing some of the city’s best natural scenery. It’s a favorite spot for walking, biking, and jogging, with plenty of parks and local businesses along the way. Whether you’re looking to unwind or get active, this green oasis offers a peaceful retreat and is a unique thing to do right in the heart of Boise.
“One of the best ways to explore Boise is to hit the Greenbelt for a fun day of stumbling upon local restaurants and small businesses,” shares Crystal Potter, co-owner of Potter Wines. “You can enjoy the beautiful White Water Park and all the beauty the Boise River has to offer.”
Not sure where to start your afternoon of meandering? Bre Hovley, co-owner of Barbarian Brewing, suggests, “Start at Esther Simplot Park, where you can check out the whitewater wave and make a loop around Quinn’s Pond. Afterwards, walk down to the craft beverage corridor right off the Greenbelt on 32nd street where you’ll find local beer, wine, non-alcoholic beverages and food trucks.”
4. Step into wine heaven
Boise is rapidly emerging as a wine lover’s paradise, thanks to its flourishing wine scene and picturesque vineyards. The city features a diverse selection of exceptional wineries and tasting rooms, offering a delightful array of delectable vinos. With its vibrant wine culture and breathtaking scenery, Boise is a must-visit destination for any wine lover.
Kathryn McClaskey of House of Wine also weighs in on the wine scene. “As wine enthusiasts, we love introducing visitors to our local wine scene as well as the nature in the valley. A casual trip on the Boise Greenbelt can turn into a wonderful afternoon of wine tasting, hospitality, and even a bit of exercise. From refreshing whites to bold reds, there’s a wine for practically everyone at these local wineries.”
Eclectic wine, modern vibes
Looking to try eclectic wines while enjoying a modern ambiance? Split Rail Winery, an urban winery and tasting room, is an ideal location for an evening spent sipping. Taste wines made on-site and peer into their barrel room to discover how wine is crafted with their unconventional tanks and aging vessels.
Bring the whole family
With their expansive deck overlooking the Boise River, Telaya Wine Co offers a unique view as their backdrop. While the river rolls past, you can taste award-winning wines from Idaho and Washington that are made on-site. In addition, their hospitality encourages you to bring the entire family to enjoy an oasis right on the water.
Indulge in bubbles
As Idaho’s only sparkling winery, 3100 Cellars brings world-class sparkling wine right to the heart of Idaho. Named after the state’s 3,100 miles of whitewater, their wines draw inspiration from the local rivers and are crafted with the same techniques used in the Champagne region of France. With delightful snacks and refreshing bubbles, it’s impossible to resist spending an afternoon at 3100 Cellars.
Wine and dine in history
Ste Chapelle Winery, the oldest winery in Idaho, offers an expansive selection of top-notch Idaho wines. A historical winery set on a stunning property, Ste Chapelle Winery boasts a charming Chateau Tasting Room, beautiful panoramas of the Snake River Valley and the Owyhee Mountain Range, and mesmerizing sunsets.
5. Birdies and brews
What’s better than hitting a mini golf course with a cold beer in hand? Boise Brew Putt features a Boise-themed course and an inviting beer garden. Each hole presents a unique challenge and is perfect for date nights, entertaining out-of-town friends, and birthday parties. It’s a great way to relax, get outdoors, and have fun, all while enjoying a little bit of friendly competition.
6. Wrangle the wild
If you want to experience Idaho and the American West like never before, a Silver Spur Ranch Horse Drive is the perfect way to do it. Get ready for an unparalleled adventure as you set out to herd over 40 horses through the breathtaking Rocky Mountains of Idaho. Experience the essence of the Old West firsthand, where you’ll navigate rugged trails and immerse yourself in authentic cowboy life. Every moment on the trail brings you closer to the true spirit of the Idaho frontier.
7. Take a vino venture
Embark on a delightful wine tour in Boise, where you can explore a variety of local wineries and savor delectable vintages. Best of all, you can relax and enjoy every sip without the hassle of driving, thanks to remarkable touring options.
Urban wine scene
Discover the art of wine tasting with Winery Seekers Wine Tours, featuring a journey through the stunning Snake River Valley or the lively Boise Urban wine scene. As you explore the wineries, you’ll sample a variety of exceptional wines crafted by local winemakers, each offering its own flavor profile. Leave all your worries behind as your tour guide picks you up from home or hotel, and let yourself drift away on a cloud of exquisite wine in the location that you choose.
Sunnyslope Wine Trail
Snake River Wine Tours is a fantastic way to dive into Idaho’s blossoming wine scene, with scenic trips through the stunning Sunnyslope Wine Trail. Whether you’re a new resident or just visiting, it’s the perfect way to explore the beauty near Boise and taste the flavors that make Idaho a hidden gem in the wine world. Wine lovers and adventure seekers alike should definitely add this experience to their Boise bucket list.
Tour a distillery
There’s more than just wine in the Boise liquor landscape. In the Treasure Valley, a tour with Western Mountain Wine Tours offers not only wine tasting, but a distillery visit with cocktail flights, or a cidery with farm-to-fork dinners, as well. Hop aboard their roomy tour buses, complete with a western-themed prop box for photoshoots. Whether visitors come for the wine, the views, or the local charm, the Sunnyslope Wine Trail promises an unforgettable experience.
8. Admire artistic wonders
Visiting an art gallery in Boise offers a captivating glimpse into the city’s creative scene. Wander through thoughtfully curated exhibits that showcase local and national talent, with everything from contemporary pieces to timeless classics. Capitol Contemporary Gallery provides their artists, collectors, and the city of Boise with an exciting and always-evolving space to meander through, sell, or purchase original artwork.
9. Savor brewed bliss
Heading to a brewpub is a fantastic way to unwind and enjoy an afternoon of locally brewed beers in a lively, relaxed setting. Lost Grove Brewing is the ultimate destination just off the Greenbelt to crack open a cold one. From their refreshing ales to their delicious homemade pizza, it’s hard to beat a day of tasting Boise brews at their pub.
10. Unveil Boise’s charms
Exploring a new city on a tour is a thrilling way to discover its local treasures and unique culture. Diving into Boise’s character, history, and charm, going on a tour makes for an unforgettable adventure that really lets you experience what the place is all about.
Walking tour
Enjoy a two-for-one experience by getting your steps in while exploring Boise on a walking tour. “WalkAbout Boise is a 90-minute guided walking tour through 150 years of history and architecture. They’ll introduce you to the built environment that makes downtown Boise, Idaho like no other place,” shares Kellie Wright Whitlock with Preservation Idaho. “This tour is great for visitors and Idaho residents who want to learn more about how Boise’s vibrant downtown was developed and the people who made it happen.”
Bike tour
Enjoy breathtaking views of the Boise foothills as you ride trails with an expert guide at Dialed IN, a mountain biking service company. With their experienced guide, you’ll learn how to master the trails while exploring lesser-known routes that offer a unique riding experience. Take in the scenic views of the city all while enjoying the fresh air that Boise offers.
Trolley tour
Hop aboard a trolley tour with Boise Trolley Tours for a charming and convenient way to explore the city’s highlights. As you ride through historic neighborhoods and key landmarks, you’ll gain fascinating insights from knowledgeable guides. The relaxed pace and scenic views make it easy to soak in Boise’s unique character and rich history.
Unique things to do in Boise, ID: Final thoughts
As we explore the unique facets of Boise, it becomes clear that this city offers far more than meets the eye. From its scenic rafting trips and quirky museums to its lively food scene and vibrant outdoor events, Boise is brimming with unexpected delights. So, if you’re searching for a good place to live, keep in mind that Boise’s distinctive character and diverse experiences are eagerly waiting to greet you.
Medicare Part D covers the vaccine for RSV, or respiratory syncytial virus, and generally there’s no cost to you.
Here’s what you should know about Medicare and the RSV vaccine.
What is RSV?
RSV is a virus that comes with cold-like symptoms, like a runny nose, headache or sore throat. Symptoms are typically mild, but for some older adults, RSV can become very serious, leading to conditions like pneumonia or congestive heart failure. You could end up in the hospital, and as many as 10,000 older adults die of RSV complications each year, according to the American Lung Association.
Does Original Medicare cover the RSV vaccine?
Original Medicare doesn’t cover the RSV vaccine. However, if you have Medicare Part D prescription drug coverage, Part D will cover the RSV vaccine. And because this is a vaccine that’s part of recommended preventive care for older adults, there should be no cost to you.
Shopping for Medicare plans? We have you covered.
Medicare Advantage is an alternative to traditional Medicare offered by private health insurers. It covers the same benefits as Medicare Part A and Part B.
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Does Medicare Advantage cover the RSV vaccine?
If you have a Medicare Advantage plan with prescription drug coverage, your plan’s drug coverage will cover the RSV vaccine. If your Medicare Advantage plan doesn’t offer prescription drug coverage and you have a standalone Part D plan, the RSV shot will be covered by your Part D plan.
Should you get the RSV vaccine?
The Centers for Disease Control and Prevention (CDC) recommends that all adults age 75 and older get the RSV vaccine, and adults age 60 to 74 get the RSV vaccine if they’re more likely to get seriously ill from RSV.
According to the CDC, you’re at a higher risk of getting seriously ill from RSV if you have chronic heart or lung disease, a weakened immune system, or live in a nursing home or another long-term care facility, among other things.
How often do you need the RSV vaccine?
A single dose of the RSV vaccine should protect you for about two winter seasons, if you time it right, according to the CDC.
For best results, aim to get your shot in the late summer or early fall.
What other vaccines does Medicare cover?
Medicare Part D covers vaccines that are recommended by the Advisory Committee on Immunization Practices (ACIP), including vaccines for shingles and whooping cough. If the ACIP recommends a vaccine, your drug plan will cover it at 100%.
16.1% in large metro core counties 25.0% in large metro suburban counties 28.9% in small metro core counties 9.4% in large metro outlying counties 9.9% in small metro outlying areas 6.4% in micro counties 4.3% in non-metro/micro counties “The strength in single-family construction at the start of the year continued in higher density areas, matching … [Read more…]
Doom spending is spending money to cope with stress when the future seems uncertain or troubling, such as when the economic or political outlook appears grim. For example, a person might be feeling anxious about how high their housing costs are and what will happen in an upcoming election. To distract themselves from these worries, they might splash out on a special sushi dinner, concert tickets, or new clothes. The thinking here? “What’s ahead looks dicey; I might as well enjoy myself now.”
If you can relate to this, read on to learn more about the causes of doom spending and how not to let it harm your financial standing.
Key Points
• Doom spending is when individuals spend money to cope with stress and anxiety about the future, such as a gloomy economic or political outlook.
• A significant portion of Americans, especially the younger Gen Z and millennial generations, engage in doom spending.
• Psychological triggers for doom spending may include stress, anxiety, impulse control issues, and societal and peer pressure.
• Doom spending can lead to increased debt and reduced savings, negatively impacting financial stability.
• Strategies to break the cycle of doom spending may include creating and sticking to a budget, setting up automatic savings transfers, and seeking alternative stress relief methods.
Understanding Doom Spending
Doom spending is a phenomenon in which people may overspend in response to stressful times. For instance, when the world is filled with political and economic uncertainty, consumers (especially younger ones) may feel there’s no point in saving. A voice inside their head may ask, “Why bother?” Instead, they decide to live in the moment and go shopping as a distraction and mood lifter.
A November 2023 survey by Qualtrics on behalf of Credit Karma found that 27% of all Americans engage in doom spending, and it’s especially prevalent among younger adults. In fact, 43% of millennials and 35% of Gen Zers admit they have spent money in this way.
Financial experts say these generations may be especially vulnerable to feelings of hopelessness and doom spending, as they came of age in a time of economic uncertainty and are living in an era with high housing costs, massive student debt, and considerable inflation (consumer prices rose approximately 20% between January 2020 and January 2024). Many may find that they currently have a lot less in their bank accounts that they’d like.
While there is nothing wrong with occasional rewards, doom spending can result in credit card debt and a reduced ability to save for the future. In the Qualtrics/Credit Karma study, about one-third of Americans reported an increase in debt in the past six months, and nearly half said the amount of money they’re saving has gone down.
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Psychological Triggers Behind Doom Spending
Here’s a closer look at some of the causes of doom spending.
Stress and Anxiety
Stress and anxiety can trigger doom spending, and there’s little doubt that they are rampant right now. According to the American Psychological Association (APA), many people in the U.S. have been negatively impacted by the trauma of the pandemic, global conflict, racial injustice, inflation, and environmental challenges around us. All of those issues can swirl together and create a feeling of future doom.
According to a June 2024 Axios Vibes/Harris Poll survey, a majority of millennials and Gen Zers agree that it is better to treat themselves now rather than hold off for a future “that feels like it could change at any moment.”
Impulse Control Issues
Shopping can bring joy in a few different ways. Research has shown that purchasing an item you desire can empower you with a sense of control. It can also flood your brain with dopamine, a “feel good” neurotransmitter.
When people feel that the future is gloomy, they may crave that “feel good” flood even more and, therefore, easily give in to impulse purchases. Spending money in this way can be a relief and a release. It’s a distraction that lets you treat yourself and temporarily escape your worries.
Societal and Peer Pressure
Social media can exacerbate doom spending by driving you to spend money to “keep up with the Joneses.” It can also lead to FOMO (fear of missing out) spending and YOLO (you only live once) spending.
Because the future seems cloudy and so expensive, you may not bother to plan for it. Instead, you might follow a friend’s, coworker’s, or social media influencer’s lead and spend money on the latest trendy purchase or experience. It can create a feeling of belonging and help you escape all the doom-driven anxiety.
Recommended: Financial Planning Tips for Young Adults in Their 20s
Consequences of Doom Spending
The consequences of doom spending can be mild or more significant, but typically include the following:
• Blowing your budget. Additional spending can make it hard to stick to a budget. If you’re buying more non-essentials, you may come up short when it’s time to make your student loan payment. Or you might have to stop contributing to your retirement plan so you can make ends meet.
• Credit card debt. Credit card debt in the U.S. reached a record high in the second quarter of 2024 (hitting $1.142 trillion). That’s a whole lot of swiping and tapping going on, and doom spending may be a contributing factor. Shopping with credit cards can feel as if purchases don’t cost anything since no hard cash changes hands. But if you go overboard with doom spending, you may get an eye-watering bill. Given today’s ultra-high credit card interest rates (currently averaging over 20%), it can be hard to get out from under credit card debt once it starts racking up.
• Ability to save. When you spend money on fun treats and impulse purchases to relieve stress and buoy your spirits, it may well be “borrowed” from money you were going to save. Whether those dollars were earmarked for an emergency fund, retirement account, the down payment on a house, or other purpose, doom spending can set you back in terms of your short- and long-term financial goals.
• Increased stress. Knowing that you’ve overspent can heighten the anxiety you are already feeling. Many people feel guilty about spending money, and a doom-triggered spending spree can create more worries about your financial future.
Strategies To Manage and Prevent Doom Spending
If you’ve been doom spending (or tempted to), these strategies can help you reign in the impulse.
Setting a Budget
A good budget helps organize your money and keep your spending on track; it can provide guardrails for how your income will be spent and saved. There are many different types of budgets, so you may need to experiment to find the method that works best for you. One popular approach is the 50/30/20 budget rule, which says that 50% of your take-home pay should go to needs, 30% to wants, and 20% to savings and/or additional debt payments. With a budget like this in place, you know just how much (30%) can go toward fun expenditures and can stick to that figure.
Once you determine how much you want to put towards savings each month, it’s a good idea to set up an automated transfer from your checking account to your savings account for the same day each month (perhaps right after you get paid). That way, the money gets whisked away and won’t sit there, tempting you to spend it.
You can set a budget and track your spending with pen and paper, or you might want to download a budgeting and spending app to your phone to simplify the process.
Self-Control Techniques
Being aware of what triggers you to doom spend can help you stop. For example, if you know you tend to shop on Sundays when you start feeling anxious about the week ahead and life in general, fill your calendar. You might set up a standing date to go walking or running with a friend or take on a volunteer gig or side hustle so you are too busy to spend.
Many people impulse buy online or on social media. If you tend to overspend in this way, consider disabling one-click shopping. It’s also a good idea to delete your credit card details from your devices — that way, it won’t be so easy to mindlessly spend while scrolling.
Recommended: How to Stop Spending Money
Seeking Professional Help
If you feel your doom spending isn’t yielding to the above techniques, you might want to enlist the help of a professional. A financial planner could help with budgeting or a therapist could guide you to uncover and address the emotional aspects of your spending.
A financial therapist could also be helpful. They merge money know-how and an understanding of human behavior to resolve issues such as doom spending.
The Takeaway
Doom spending is a way of coping with stress by spending money. When you feel as if the world is uncertain and anxiety-provoking, you may find relief by shopping. But this can negatively impact your finances and create more money worries. Fortunately, there are several strategies that can help you control doom spending and stick to a budget.
The right banking partner can also help by giving you tools to help you track and grow your money.
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FAQ
What are the common signs of doom spending?
Common signs of doom spending include:
• Making impulsive purchases in response to feeling stressed or anxious about the future
• Feeling temporary relief or pleasure after spending but later regretting the purchase
• Frequently buying things you don’t need
• Neglecting to save for the future
How can I break the cycle of doom spending?
Here’s a look at some strategies that can help you break the cycle of doom spending:
• Create a monthly spending budget.
• Set up a recurring monthly transfer from checking to savings.
• Uncover your spending triggers and work to avoid or eliminate them.
• Practice mindful spending by pausing before each purchase and assessing if it’s truly necessary.
• Seek alternatives for stress relief, such as exercise or hobbies, to replace spending as a coping mechanism.
• Work with a financial advisor or psychologist/therapist
Are there tools or apps to help manage spending habits?
Yes, there are a number of online tools and apps that can help you manage your spending habits, set up a budget, and monitor financial goals. Popular options include YNAB (You Need a Budget), Goodbudget, and EveryDollar. You might also check with your bank to see what tools they offer to track and organize your finances.
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Joanna Gaines has become a household name in the world of interior design, thanks to her warm, inviting style that perfectly blends modern farmhouse charm with timeless elegance. Known for her keen eye for detail, Joanna’s approach to home decor is all about creating spaces that feel cozy, functional, and beautifully personalized.
Whether you’re a longtime fan or new to her style, this Rent. guide details inspired decor ideas to bring a touch of Joanna Gaines magic to your home whether you’re looking at homes for sale in Waco, Texas, thinking about renting a home in Dallas, or looking for your first apartment in Austin, TX.
Rising in the design and DIY world
Joanna Gaines’ journey to design stardom began in Waco, Texas, where she and her husband, Chip Gaines, started their business, Magnolia Market, in 2003. Initially a communications major at Baylor University, Joanna discovered her passion for design while working at her father’s tire shop and experimenting with home renovations.
Her big break came in 2013 when HGTV cast the couple in Fixer Upper. The show became a hit, showcasing Joanna’s creative vision and Chip’s construction skills as they transformed neglected properties into beautiful homes. Joanna’s approachable “modern farmhouse” style — featuring shiplap, neutral palettes, and natural elements — quickly resonated with viewers, redefining home decor for a broad audience. As Fixer Upper grew in popularity, so did the Magnolia brand, expanding into home decor lines, a magazine, best-selling books, and the Magnolia Network.
Gaines’ influence on design today
“Joanna Gaines and the Fixer Upper series crafted our view of interior decorating and helped shape our work at Wachusett Woodworks,” Elizabeth with Wachusett Woodworks emphasizes. “Shaker-style cabinetry cleans up a space and is versatile in a modern farmhouse or a sleek city apartment! We enjoy bringing this look into our clients’ homes through built-ins, stand-alone cabinets, and furniture.”
“Joanna Gaines has had a huge influence on the design world, particularly by helping to popularize the “modern farmhouse” design aesthetic. Featuring strong primary colors on the exterior (think: black, white, navy, etc.), cozy front porches surrounded by magnolia trees, and a warm, inviting feel on the inside: this modern farmhouse movement has extended way beyond Texas, to nearly every state in the country,” explains lifestyle and travel blogger Noelle Bertram. “With a neutral color palette on the inside, Joanna’s design aesthetic also works for French country and more traditional homes. But perhaps her strongest design signature? She always adds a personal touch to the home: whether it’s having the family’s favorite quote engraved on a wall, or framing cherished photos and placing them in a special nook. There’s always something personal for each specific family.”
Joanna Gaines’ influence has become a transformative force in both business and design, making home renovation and decor accessible and relatable. Through the Magnolia brand, she has built a lifestyle empire that includes retail, media, and publishing, inspiring a new generation of designers and entrepreneurs.
Making your home a Magnolia masterpiece
Gaines’ blend of creativity and business acumen has fueled trends like farmhouse-inspired interiors and the rise of DIY home projects, solidifying her status as a trailblazer in the design world. Follow these expert tips to replicate the look, style, and feel that makes Magnolia Home so comforting and classic.
Disclaimer: For those living in rental properties or apartments, please ensure that any significant changes to your living space are approved by your landlord and do not violate your lease agreement. Always check with your property management before making alterations to avoid any potential issues.
1. Embrace a neutral, natural palette
One of the hallmarks of Joanna Gaines’ design style is the use of a neutral color palette to make rooms look bigger and brighter. Shades of white, cream, beige, and soft grays create a calm and soothing foundation. This doesn’t mean the space has to be devoid of color; rather, it sets the stage for subtle pops of accent colors and textures through accessories like throw pillows, rugs, light fixtures, or artwork.
“Joanna Gaines’ design style truly feels like a warm embrace,” Danish with Arhcova Visuals details. “To capture her signature charm, try incorporating reclaimed wood and vintage-inspired pieces that bring a touch of history and comfort to your space. Stick to neutral tones and mix in natural textures like linen and jute to create that cozy, Magnolia Home vibe. Statement lighting and thoughtfully chosen décor can also make your home feel both inviting and stylish.”
2. Mix old and new elements
Joanna is a master at blending old and new elements to create spaces that feel lived-in and full of character. “Joanna Gaines finds a way to beautifully blend materials with the look of classic charm and current trends. One of her kitchen designs featured a Spanish-style floor tile and a modern light fixture with a high-end marble countertop, and it all worked together seamlessly,” shares Kaylin Harris, Interior Coordinator with Affinity Homes LLC.
“She consistently creates spaces that evoke relaxed sophistication. We love her ability to take a modern, sleek-looking console table and pair it with a vintage-looking lamp and a rustic vase filled with faux olive leaf stems to create a beautiful design ensemble. She makes interior design look effortless and intentional at the same time.“ This intentional mix of styles adds depth and interest to your home while telling a unique story, making your home unforgettable and one-of-a-kind.
3. Layer textures for warmth and comfort
To make a room feel warm and inviting, Joanna often layers a variety of textures. “One of the key elements of Joanna Gaines’ design style that I love to incorporate is her use of warm, cozy items that make a space feel inviting and lived-in,” shares Rachel Teodoro, content creator at RachelTeodoro.com. “You don’t have to splurge to achieve that signature Gaines look — think about adding budget-friendly touches like soft throw blankets, textured pillows, or rustic wood accents. Don’t forget to shop at thrift stores for some of the best decor pieces. These small additions can instantly warm up a room and create that welcoming vibe we all crave without breaking the bank. “
4. Lean into the modern farmhouse style
Joanna is often regarded as the queen of modern farmhouse, a legacy that provides a perfect starting point for anyone beginning their interior design journey. “To achieve modern farmhouse home designs inspired by the fabulous Joanna Gaines, try and keep the elements simple,” Amanda Yates with Life Just Right recommends. “Blend neutral colors like soothing greens, shades of ivory and white, with touches of wood and black. This can even be done on a budget by thrifting. Print Pinterest boards and hunt for similar items and then spruce them up with spray paint and other easy touches. Create a table display by combining a few unique items with some greenery for a cozy collection.”
5. Focus on functional spaces
Joanna’s designs are not just about aesthetics — they’re also about practicality. She emphasizes creating spaces that are functional and cater to the needs of those living there. “I’m not a designer but I get to photograph all kinds of interiors. Something that has always drawn me to Joanna Gaines’ style is the way that she creates leading lines in her vignettes while also creating enough movement to keep your eye interested,” shares photographer and videographer, Jordan Brittley. “She does a fantastic job of working with her environment to bring in natural light that highlights the design pieces which create dreamy spaces!”
By focusing on the intention and purpose behind every item, Joanna ensures spaces that are not only beautiful but also make the most of every square inch, blending form with function effortlessly.
6. Use shiplap creatively
If there’s one feature Joanna Gaines is famous for, it’s shiplap. This simple wood paneling adds texture and interest to the walls, creating a rustic yet refined retro look. “Joanna Gaines’ design style emphasizes a balance of rustic charm and modern elegance, often incorporating shiplap, neutral color palettes, and natural materials like wood and stone,” explains Scott Bland, President of Jim Bland Construction. “She excels at creating warm, inviting spaces by mixing vintage finds with clean, contemporary lines. As a custom home builder, we can enhance this look by focusing on open floor plans, large windows for natural light, and thoughtful, personalized touches that reflect the homeowner’s personality while maintaining a cohesive, timeless aesthetic.”
7. Accessorize with thoughtful details
As Scott Bland emphasized above, Joanna often uses thoughtful details to make a house feel like a home. “Whatever style you choose, being strategic with your color selection and photography choices can make the space feel cohesive and polished as well as personal,” shares photographer Katelyn Kasper with Kasper Creations.
“For instance, if the room is neutral in tone then add photos with natural tones and light colors on the wall instead of something with clashing, bold colors. If your space has pops of bright color, then have fun with matching bright colors in your displayed photographs. You can take this a step further with the location and outfit choices in your photos (Western wear for a more rustic room, garden setting with light-toned clothes for a modern farmhouse feel, etc.). Your displayed photos add personality and highlight what you love, but they can also strengthen your design style.
Joanna’s designs are never overly styled; instead, they reflect the personalities of those who live there, so don’t be afraid to add your personal brand.
8. Add a farmhouse sink for a timeless touch
Nothing says Joanna Gaines quite like a farmhouse sink. This classic, deep sink is both functional and stylish, making it a standout feature in any kitchen. “Joanna Gaines often features farmhouse sinks in her kitchen designs to evoke a sense of timeless charm and functionality,” Monique Peters with Annie & Oak emphasizes. “These apron-front sinks, with their deep basins and wide, exposed fronts, not only serve as a practical focal point but also embody the cozy, welcoming atmosphere that defines her modern farmhouse style. By pairing farmhouse sinks with natural materials like wood or stone countertops, Joanna seamlessly blends vintage appeal with contemporary functionality, creating kitchens that are both beautiful and highly usable.”
9. Prioritize comfort above all
At the heart of Joanna Gaines’ design philosophy is the idea that a home should be comfortable and lived in. Choose furniture that invites you to sit and stay awhile, such as plush sofas and chairs with deep cushions, then layer in soft throws and ample pillows to create spaces that feel cozy and inviting. Remember, comfort doesn’t have to mean sacrificing style — look for pieces that are both functional and aesthetically pleasing.
Bringing Joanna Gaines’ vision to your home
Joanna Gaines’ design style is beloved for its ability to make any space feel like home. By incorporating these inspired decor ideas, you can create a warm, inviting environment that reflects your style while embracing the best of Joanna’s signature aesthetic. Whether you’re going for a full home makeover or just a few simple updates, these tips will help you bring a touch of that Joanna Gaines magic to your own space.
Barclays is offering increased bonuses on all three Wyndham cards of up to 80,000 points. The offers are as follows:
Earner Rewards: Earn 45,000 bonus points after spending $2,000 on purchases in the first six months.
Earner+ Rewards: Earn 75,000 bonus points after spending $2,000 on purchases in the first six months.
Earner Rewards Business: Earn 40,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 40,000 bonus points after spending $15,000 on purchases within the first 12 months.
Card Details
Earner Rewards:
No annual fee
Card earns
5x points at Wyndham properties and on qualifying gas purchases
2x points on eligible dining and grocery purchases
1x points on all other purchases
Automatic Wyndham gold status
10% discount on go free awards
Anniversary bonus of 7,500 points after you spend $15,000 on eligible purchases
Earner+ Rewards:
Annual fee of $75, not waived first year
Card earns
6x points at Wyndham properties and on qualifying gas purchases
4x points on eligible dining and grocery purchases
1x points on all other purchases
Automatic Wyndham platinum status
10% discount on go free awards
Anniversary bonus of 7,500 points
Earner Business:
$95 annual fee
Card earns
8x points at Wyndham properties and on qualifying gas purchases
5x points on marketing, advertising and utilities
1x points on all other purchases
Annual fee of $95, not waived first year
Automatic Wyndham Diamond status
10% discount on go free awards
Anniversary bonus of 15,00 points
Our Verdict
Not nearly as good as the 100,000 point offers. Given that was available so recently I’d recommend waiting for a higher offer to return unless you have an immediate need for the points. We won’t be adding these offers to our list of the best credit card bonuses.