With summer comes backyard barbecues, friend hangouts and enjoying the warm weather after a long time inside. Sure, you can hire a landscaping designer to turn your yard into an oasis, but it’s easier than you think to do it on your own with these helpful backyard oasis ideas.
Transform your backyard into a place that you go to unwind and relax after a long day at work with these 16 backyard oasis ideas.
1. Add a hammock for lounging
What’s the best part of a vacation? It’s often getting to lay down on a hammock and read your latest book or take a nap during your time off. Well, bring this to your backyard to enjoy every day.
You can tie up the hammock to trees or get a free-standing one. Make sure you place it in the shade for a cooler nap and place a mosquito candle nearby.
2. Build a sitting area around a fire pit
Summer is synonymous with backyard fires, cool evenings and, of course, s’mores. Create a nice sitting area with a few outdoor chairs and side tables. Then place a fire pit in the middle — an in-ground fire pit or a free-standing wood one. You can also build one yourself.
Since you’ll get a lot of use out of a fire pit, this backyard oasis idea will become a fixture for your outdoor experience. Just make sure you stock up on marshmallows!
3. Take a dip in a stock tank pool
Stock tank pools have become a popular choice for those without the option of having an in-ground pool. In fact, stock tanks are one of the most popular backyard oasis ideas. You can even build a small deck around them if you need a few steps to reach the top.
During your hot days of summer, you’ll be glad you have this opportunity to cool off.
4. Setup for a backyard movie night
Popcorn, lots of picnic blankets and friends — one favorite backyard oasis idea is watching a movie in the backyard. Movie nights like this are what summers are perfect for.
You can use a white sheet or inflatable screen plus a small projector to show your favorite summer flick. The best part is that you can take it down once you’re done or leave it up for a weekly movie showing with your family.
5. Fire up an outdoor kitchen
Add a grill and a pizza oven to your outdoor kitchen set up for zero clean-up inside and all of the fun outside. You can have one built or you can create a setup on your own with a few carts. A nice outdoor kitchen will encourage you to spend more time outside too and having dinner while enjoying your backyard oasis.
6. String up bistro lights to create ambiance
Sure, large motion lights could provide light on your backyard as it gets dark. But bistro lights do that plus add to the ambiance. Bistro lights are easy to set up — you can add them to a trellis, use poles across your yard to hang them or attach them to your house.
For extra savings, pick up a string of lights that’s solar-powered and goes on instantly at dusk. Or add a smart switch so you can control them from your phone.
7. Swing from your favorite tree
If you have a large oak tree providing shade in your backyard, it is the perfect fit for a backyard swing. First, confirm that the tree is healthy enough for a swing with your arborist. Then you can add a swing, hammock chair or a weaved chair to the tallest branch and spend the afternoon enjoying it. This is a backyard oasis idea you’ll relish time and time again.
8. Get a hot tub
Hot tubs have a reputation for being expensive and highly cumbersome to set up. But like everything else on the market, more options come with time. While you can still get the classic hot tub set up, you can also get a blow-up (yes, you heard it right) hot tub that looks just as fancy.
For example, there are brands that offer portable hot tubs that are easy to carry and set up. They are also more affordable if you don’t want to commit to a more significant purchase.
9. Drink up at a tiki bar
If you host a lot of get-togethers with your friends, adding a backyard bar might make things a lot more seamless. Your friends can play bartender during the party without getting things dirty inside your house.
While the most popular theme for outdoor bars is tiki, you can definitely pick whatever style you choose. Have a backyard housewarming and tell your friends to stock the bar once you finish it.
10. Create a family-friendly game area
Add games that the whole family can play instead to your list of backyard oasis ideas. Corn hole, a giant chess board or bocce are great additions to a family-friendly game area in your backyard. You can have a dedicated space for all the games or just take them out when needed.
11. Brighten up your concrete flooring
A concrete patio can quickly become a little drab. Luckily, these days there are many options to brighten up your concrete flooring. With your landlord’s permission, you can add tile to bring some color into the space. If that’s not in your budget, you can stencil the floor instead.
Creating a faux stencil pattern on the concrete brings a little more interest to the space. Depending on how complex your design is, this is an easy, weekend budget-friendly project. Here’s some inspiration.
12. Get an eye-catching fountain
With so many new meditation apps on the market, it’s hard to find an excuse to not take 10 minutes to yourself and take a moment to tune out the outside. While the app helps, creating a space for meditating outside will help you stick to this habit and enjoy it a little more.
Add an eye-catching fountain to your garden to create the oasis you are looking for. From large to small fountains, stores sell some that you can easily set up on your own. It will help you focus on your practice and create a relaxing vibe.
13. Grow a lush vegetable garden
One of the best backyard oasis ideas will help you cultivate a green thumb. Many think that a garden should only include shrubs and flowers. However, making your landscape into an edible garden can also look beautiful. Studies have shown that gardening is good for your mental health.
Add a few garden beds where the sun shines the most and surround it with a pollinator flower garden. Add a trellis or an arch for berries to climb and adorn the space. You won’t want to leave this spot as you’ll spend time tending to the garden and enjoying the fruits of your labor.
14. Bring in a gazebo or awning
Having a little shade in the middle of summer can make all the difference in how often you’re out in your backyard oasis. You can create some shade and have a special reading nook just for you. You can add a retractable awning to the side of your home for convenience during group parties.
Or place a little gazebo far into your backyard oasis with some flower landscaping to add a little magic to the space. Gazebos come in all different sizes and colors, so you can find one that fits your style.
15. Gather your friends together around at a dining table
If you have space, adding a long dining table, paired with colorful pillows and beautiful flower arrangements, can genuinely change the vibe of your backyard oasis.
Prepare a feast for your friends and invite them to lounge in your home. Exchange stories as you reach for food and add a little music via a Bluetooth speaker — all under some bistro lights.
16. Plant an herb wall for cooking
There’s nothing better than fresh herbs available for your meals at all times. An herb wall can help you add visual interest to a blank wall in your backyard and give you that freshness that your food needs. Think fresh basil, thyme, rosemary and parsley — some of the easiest herbs to grow in your backyard oasis.
All you need is a vertical planter, soil and the herbs of your choice. If you’d like to make it yourself, here’s a quick DIY for a wood one.
Create an oasis in your backyard
No matter the size of your backyard, it has the potential to create a space for relaxation and sharing with your family. You can add a few of these backyard oasis ideas on your own while staying true to your budget. Adding a little magic to your yard is easier than you think.
Muriel Vega is an Atlanta-based journalist who writes about technology and its intersection with arts and culture. She’s worked on content for startups like Mailchimp, Patreon, Punchlist, Skillshare, Rent. and others. Muriel has also contributed to The Washington Post, Eater, DWELL, Outside Magazine, Atlanta Magazine, AIGA Eye on Design, Bitter Southerner and more.
As the seasons change and colder weather is upon us, our trusty heated blankets are our cherished companions for staying warm and cozy. However, when it comes time to refresh these seasonal staples, a bit of care is needed.
Unlike regular blankets, electric blankets require special attention to maintain their functionality and comfort. We’ll walk you through the steps to safely and effectively wash your heated blanket, ensuring it stays in peak condition for many more snuggle-worthy seasons.
When you buy through links in this article, we may earn an affiliate commission.
Materials needed to wash your electric blanket
Before you begin tackling the task of washing your electric blanket, gather these materials to successfully restore your blanket to its clean state.
Mild detergent: Choose a detergent that is gentle on fabrics and does not contain harsh chemicals.
Washing machine: Use a washing machine with a gentle or delicate cycle option to prevent damage.
Cold or lukewarm water: Avoid hot water to protect the fabric and heating elements.
Drying rack or clean surface: Air drying is the best method to ensure the continued softness of your blanket.
Manufacturer’s instructions: Refer to the care label or user manual for specific guidelines on washing your heated blanket. If you no longer have the printed instructions, check the manufacturers’ website.
Stain remover (optional): For pre-treating any visible stains before washing.
How to wash a heated blanket
Source: Amazon
By following these steps, you’ll return your cozy blanket to its original state; clean and stain-free. Your electric blanket will then be ready to provide warmth and comfort for many more seasons.
1. Read the manufacturer’s instructions
Before diving into the washing process, it’s crucial to consult the manufacturer’s care instructions. Heated blankets come in various styles, materials and technologies, and each may have specific washing guidelines.
Check the attached label or user manual for information on water temperature, detergent recommendations and any other considerations. Following these guidelines will help preserve the integrity of your heated blanket and prevent any accidental damage during the washing process.
2. Disconnect and remove electrical components
To ensure safety during the washing process, it’s essential to disconnect and remove any electrical components from your heated blanket. Unplug the blanket from the power source and detach the control cords and connectors, if possible.
Some heated blankets come with detachable controllers, while others may require you to carefully secure the electrical components before washing. It’s imperative to follow the manufacturer’s instructions for disconnecting electrical parts to avoid any damage or safety hazards.
3. Pre-treat stains
Before tossing your heated blanket into the washing machine, take a moment to address any visible stains. Gently spot-treat stains with a mild detergent or a stain remover, following the product’s instructions.
Avoid using harsh chemicals or bleach, as these damage the fabric and affect the heating elements. Allow the pre-treated areas to sit for a few minutes to effectively remove stains before moving on to the next step.
4. Choose the right washing machine settings
While heated blankets can usually be washed in a machine, it’s important to select the appropriate settings. Use a gentle or delicate cycle with cold or warm water and avoid hot water as it compromises the integrity of the fabric and heating elements.
Opt for a mild detergent to avoid any chemical reactions that might affect the blanket’s performance. If your blanket is too large for your home washing machine, consider taking it to a laundromat with larger-capacity machines.
5. Wash with care
Place the detached heated blanket in the washing machine, ensuring it has enough space to move freely. Avoid overloading the machine which leads to uneven cleaning and potential damage. Start the selected washing cycle and let the machine do its magic. Once the cycle is complete, make sure to remove the blanket to prevent wrinkles and mildew.
6. Air dry or tumble dry on low
After washing, resist the urge to use high heat to speed up the drying process. Instead, opt for air-drying or tumble-drying on the lowest heat setting. Exposing your heated blanket to excessive heat during the drying process will damage the heating elements. Lay the blanket flat on a clean surface or use a drying rack to maintain its shape so it’s wrinkle-free
Embrace a cozy renaissance the right way
Source: Amazon
Cleaning your heated blanket is easier than it seems. With a bit of care and attention, you can enjoy the warmth and comfort of your favorite seasonal staple for years to come. Remember, always follow the manufacturer’s guidelines and handle the blanket gently to maintain its quality and functionality. Happy washing!
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
Bankruptcy is a legal process that individuals and businesses can undertake to eliminate their debts under the oversight of a bankruptcy court.
Bankruptcy is a legal process that individuals and businesses can undertake to eliminate all or part of their debts under the oversight of a bankruptcy court. For individuals who have amassed debt beyond what they can reasonably pay, bankruptcy is a potential path toward a clean slate.
There are different types of bankruptcy, important terms to know and significant consequences to watch out for. If you’re wondering, “What is bankruptcy?” or you’re considering it for yourself, read on to get an overview, or you can use the links below to jump to a specific question.
How does bankruptcy work?
Bankruptcy is a complicated legal process that involves several steps:
A debtor files a legal petition for bankruptcy in federal bankruptcy court.
The court appoints a trustee to oversee the case.
The trustee examines the debtor’s assets and liabilities and determines if they have any assets which can be administered by the trustee.
While it’s technically possible to file for bankruptcy on your own, working with a qualified attorney is recommended, as the amount of legal knowledge required is beyond what the average person possesses.
During the creditor’s meeting the trustee will examine the debtor and the case and file a report. What happens next depends on whether you filed for Chapter 7 or Chapter 13. In both cases, your debt can be discharged, but the process for achieving that end varies.
What are the different types of bankruptcy?
For individuals, the two most common forms of bankruptcy are Chapter 7 and Chapter 13. Businesses and local governments can also file for bankruptcy, but we won’t cover those types of bankruptcy in detail in this article.
Chapter 7
Chapter 7 bankruptcy is the most straightforward approach to filing for bankruptcy. Chapter 7 bankruptcy, also called liquidation bankruptcy or fresh start bankruptcy, sometimes involves the sale of assets to pay off debt. In most cases a debtor’s assets are exempt and no assets need be sold. This is best for debtors who have no way to repay their debt.
When a debtor files for Chapter 7 bankruptcy, the following process takes place:
The debtor provides the trustee with tax returns and other financial documents relevant to the case, plus a list of all their assets.
The trustee evaluates the assets to determine which assets, if any, are nonexempt.
The trustee sells all nonexempt assets to pay off creditors. Debtors can keep exempt property, which varies by state law. For example, in New York, a debtor can keep their car if they own it outright and it is worth $4,000 or less.
The debtor meets with their trustee and creditors at a Meeting of Creditors, also called a 341 Hearing, to verify the information they’ve filed in their bankruptcy petition is accurate.
The trustee might pay some of the debt using the proceeds from liquidating the debtor’s nonexempt assets. However, this is rare.
Any remaining debt is discharged. However, Chapter 7 does not eliminate all debt—debtors are still responsible for paying court-order alimony and child support, student loans and certain taxes.
The Chapter 7 process typically takes about four to five months from filing to final discharge of debt.
While Chapter 7 bankruptcy has powerful effects on debt, it also has consequences. The negative item from bankruptcy can remain on a credit report for 10 years.
A debtor can only file for this kind of bankruptcy once every eight years. For that reason, a condition of bankruptcy is always credit counseling and personal finance courses, which are aimed at supporting people to prevent them from ending up in the same financial situation again.
Chapter 13
Chapter 13 bankruptcy still leads to debt elimination, but it involves a debt payment plan. In Chapter 13 bankruptcy, debtors keep their property and pay debts over an agreed-upon period, usually three to five years. To qualify, a debtor must prove they have regular income. During the payment period, creditors are legally prohibited from collection efforts against the debtor. This type of bankruptcy is best for debtors who have steady income but still can’t afford to pay their debts in full.
If a debtor files a petition for Chapter 13 bankruptcy, the following will occur:
The court reviews the repayment plan. Typically, repayment plans last three to five years and may repay some or all of the debt owed. The debtor prepares and files the plan and creditors have a chance to comment on it, the trustee comments on it and the court makes a final determination as to whether to approve the plan.
A court-appointed trustee collects your payments. Over the course of repayment, a trustee will collect funds and disburse them to creditors.
After repayment, the bankruptcy is discharged. After the specified repayment period, the debtor becomes eligible for a discharge. If the debtor has complied with the trustee’s requests, has paid all required payments and takes a financial management course, then the remaining balance on debt (if any) is forgiven.
The entire Chapter 13 bankruptcy process can take up to five years from the filing date to the end of repayment.
While Chapter 13 bankruptcy also has detrimental consequences for credit and general financial health, it tends to be less detrimental than Chapter 7 bankruptcy.
Additionally, Chapter 13 bankruptcy remains on a credit report for just seven years, and the process can be repeated more often if necessary. Having debt discharged or reorganized can be a vital financial tool.
Other types of bankruptcy
While individuals file Chapter 7 and Chapter 13 depending on their circumstances, there are other types of bankruptcy that farmers and fishermen, businesses and city governments can use in difficult financial situations.
Here’s a quick overview of other forms of bankruptcy:
Chapter 9 focuses on local governments and school districts that need to restructure debt in the wake of financial troubles. Similarly to Chapter 13, Chapter 9 utilizes a debt repayment plan.
Chapter 11 enables businesses to create a debt repayment plan in conjunction with a revised business plan that is aimed at increasing profitability.
Chapter 12 is a narrowly focused form of bankruptcy that is exclusive to family farmers and fishers hoping to avoid liquidation.
Chapter 15 is an international provision that helps mediate bankruptcy proceedings that involve the United States and at least one other country.
While all of these forms of bankruptcy are useful, only Chapter 7, Chapter 11 and Chapter 13 typically directly affect individuals in financial distress.
What does it mean when bankruptcy is discharged?
A bankruptcy discharge means a debtor is no longer personally responsible for certain debts. Regardless of the remaining balance of a previous debt, once a bankruptcy discharge is entered, creditors can no longer collect on the debt.
With Chapter 7 bankruptcy, discharge usually occurs after the creditor’s meeting. There is typically a 60-day window after the meeting of creditors for creditors to file complaints, after which the discharge may take effect.
With Chapter 13 bankruptcy, discharge typically takes place after the repayment plan is completed.
However, not all debts are eligible for bankruptcy discharge. Depending on the type of bankruptcy filed, the following debts may not be discharged:
Alimony
Child support
Tax liens
Some federal, state and local taxes (depending on the age of the debt)
Student Loans.
Debts for willful and malicious injury to a person or property
Debts for death or personal injury caused by the debtor driving while under the influence of alcohol or drugs
Any debt not listed in the bankruptcy filing
In general, a discharged bankruptcy is permanent, meaning creditors no longer have any claim to previous debt. In some cases, however, a bankruptcy discharge could be revoked if the party proves to the court that the initial petition was made fraudulently. The time period for taking an action in this way is limited to one year after discharge.
What is the benefit of filing for bankruptcy?
There are advantages to filing for bankruptcy for individuals who can no longer deal with overwhelming debt.
Some of the most important benefits of bankruptcy include:
The elimination of many types of debt
A fresh start with finances
An end to calls and letters from collection agencies
Relief from wage garnishment, foreclosure or repossession
Protection of certain kinds of property
Bankruptcy courts exist for a reason, and bankruptcy serves an important financial function for many individuals whose debts significantly exceed their ability to repay. For those who have no other good options, bankruptcy provides important benefits and the chance for relief and a second chance at financial security.
How does bankruptcy affect your credit score?
Bankruptcy has a serious detrimental effect on your credit, though it is possible to rebuild credit after bankruptcy.
The negative item from bankruptcy will remain on your report for seven to ten years, depending on the type of bankruptcy. Any time you apply for credit, that negative item will be visible to creditors, who will factor it in when deciding whether to approve your application.
For those looking to rebuild credit after bankruptcy, a secured credit card is often the best starting point. A secured credit card is backed by a deposit, so creditors are usually willing to provide it even to those who have a bankruptcy on their record. Responsibly using the card and making payments on time can slowly lead to improved credit in the future.
Additionally, many people who have gone through bankruptcy choose to work with a credit repair company, which may be able to support the process of rebuilding credit.
What is bankruptcy fraud?
Bankruptcy fraud occurs when an individual withholds information about debts or assets from the federal bankruptcy court. In both Chapter 7 and Chapter 13 bankruptcy, information about your finances determines how your debt is handled, so providing false or misleading information could lead to a revocation of your bankruptcy discharge or criminal charges.
Here are some examples of bankruptcy fraud:
Hiding assets. During bankruptcy, you are forced to disclose all of your assets, which may be sold in order to pay creditors. Withholding information about your assets to try to protect them is not allowed.
Running up debt prior to discharge. If you use credit to purchase property or items with no intention of repayment simply because you believe the debt will be discharged, you are likely committing bankruptcy fraud.
Falsifying documents. Providing false information about property transfers, debts, assets or any other necessary information is forbidden during bankruptcy proceedings.
The consequences of bankruptcy fraud can be serious, especially if a party proves to the court that your efforts were intended to deceive creditors and prevent them from receiving their just payment. You could be denied a bankruptcy discharge. Fines and even prison time are possible outcomes for bankruptcy fraud, so it’s important to be truthful throughout the entire process.
Bankruptcy terms you should know
A bankruptcy score is used by financial institutions to predict the likelihood that an individual will file for bankruptcy within a certain period of time. Similar to credit scores, bankruptcy scores are calculated using a wide variety of factors. Unlike credit scores, however, bankruptcy scores are not available to consumers, so you can’t know your own score or make efforts to improve it directly.
Still, regardless of your bankruptcy score, the same financial habits that support a strong credit score are also likely to help prevent you from needing to file for bankruptcy:
Create and maintain a budget. Spending within your means and prioritizing essential expenses is an excellent way to maintain financial health.
Make full and on-time debt payments. Make timely payments for loans and credit cards, and avoid keeping a credit card balance from month to month.
Avoid unnecessary lines of credit. While credit is a valuable tool, it’s important to avoid opening too many lines of credit and letting debt become overwhelming.
Bankruptcy scores are important tools for financial institutions making lending decisions, but they are largely unimportant to consumers. As long as you are making wise financial decisions over time, creditors will continue to recognize your efforts and your risk of bankruptcy will remain low.
Bankruptcy terms you should know
As you navigate bankruptcy, you’ll come across a variety of terms that may be unfamiliar. Understanding all of these terms makes navigating the process of bankruptcy much easier, and fortunately, none of them are difficult to understand.
Here’s a list of terms that you should know if you’re trying to understand bankruptcy better.
Assets and liabilities: An asset is anything you own, whereas a liability is anything you owe.
Chapter: A chapter is simply the specific type of bankruptcy being declared under Title 11 of the United States Federal Bankruptcy Code.
Discharge: A discharge means the associated dischargeable debts no longer need to be paid.
Lien: A lien is a claim against a piece of property from a creditor who is owed a debt, such as a mortgage lender or a car creditor.
Liquidation: Liquidation is the process of selling assets, usually to pay debts—for instance after filing Chapter 7.
Means test: The means test is used to determine who is eligible to file for Chapter 7 by accounting for income and debt.
Repayment plan: An approved repayment plan is a court-authorized plan to give creditors back some or all of what they are owed. At the completion of a repayment plan under Chapter 13, remaining dischargeable debt is typically forgiven.
Secured and unsecured debt: A secured debt has some sort of valuable property as collateral—for instance, an auto loan is secured by the car itself. An unsecured debt has no associated collateral—for instance, a credit card is unsecured.
Trustee: Appointed by the court, the trustee is responsible for reviewing the debtor’s financial situation and documentation relation thereto, conducting the meeting of creditors and collecting and liquidating non-exempt assets or ensuring payments are made according to the repayment plan.
Armed with knowledge of these terms, you’ll have a much greater understanding of bankruptcy moving forward.
What does it cost to file for bankruptcy?
The cost to file bankruptcy can be broken down into two parts: court fees and attorney fees. According to the U.S. Court, you’ll pay a $78 administrative fee and a $15 trustee fee to file for Chapter 7 or Chapter 13 bankruptcy, plus any additional relevant fees. The total filing cost is generally under $500.
If a debtor cannot pay the fees associated with filing for bankruptcy, the court may break the fee payment into up to four installments or waive them altogether. Debtors who wish to have the fee waived must submit Form 103B. Bankruptcy filing fees are not typically waived, even for the most destitute.
That said, most people will also require an attorney for bankruptcy proceedings, and fees can vary significantly. According to All Law, fees for Chapter 7 typically range from $1,000 to $3,500, whereas fees for Chapter 13 are a bit higher, ranging from $2,500 to $6,000. Depending on your location, fees may be lower or higher, so you’ll want to consult a local lawyer to determine a more accurate cost before proceeding.
Should you declare bankruptcy?
Deciding whether or not to declare bankruptcy can be difficult, so make sure you think about all of the alternatives first. People often consider bankruptcy due to unexpected or overwhelming debt—like a medical bill that has ballooned through interest or a handful of loans that have become unmanageable.
There may be ways to deal with these debts before resorting to bankruptcy. For example:
Negotiate with your creditors. Ultimately, creditors are looking for you to repay your debt. By contacting your creditors, you may be able to work out a favorable payment plan or have some of your debt erased in order to make it more manageable.
Get a debt consolidation loan. A debt consolidation loan enables you to simplify and often reduce your debt payments by lowering your interest rate or extending your payment timeline.
Work with a credit counselor. A credit counselor may be able to help you evaluate your entire financial picture and create an action plan to make debt more approachable.
Still, even after these alternatives, there are some people for whom bankruptcy is the best available option. If you have no means to pay back your debts and you’ve exhausted other options, contact a bankruptcy attorney to determine your best next steps.
Overall, bankruptcy exists to protect individuals from long-term financial ruin. Though the credit consequences of bankruptcy are long-lasting, the benefits of freedom from debt are absolutely essential in some cases.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Vince R. Mayr
Supervising Attorney of Bankruptcies
Vince has considerable expertise in the field of bankruptcy law.
He has represented clients in more than 3,000 bankruptcy matters under chapters 7, 11, 12, and 13 of the U.S. Bankruptcy Code. Vince earned his Bachelor of Science Degree in Government from the University of Maryland. His Masters of Public Administration degree was earned from Golden Gate University School of Public Administration. His Juris Doctor was earned at Golden Gate University School of Law, San Francisco, California. Vince is licensed to practice law in Arizona, Nevada, and Colorado. He is located in the Phoenix office.
Avid TikTok users may be familiar with the #TikTokMadeMeBuyIt trend. They also may be happy to know that it’s now possible to buy things directly from TikTok thanks to TikTok Shop. Entrepreneurs and content creators may be especially drawn to the shop, as it’s a way to sell products to the millions of TikTok users out there.
Whether you’re a content creator, entrepreneur or simply curious, here’s what you need to know about how to make money using TikTok Shop.
What is TikTok Shop?
In September 2023, TikTok Shop launched in the U.S., creating a new way for content creators, brands and entrepreneurs to make money. Individuals and brands can earn dollars by showcasing and selling products directly on the platform.
Here are some of the notable TikTok Shop features that sellers can use to support their money-making endeavor:
In-feed video and Live shopping: This feature makes it possible for people to buy products that are tagged in the TikTok videos and Lives in their feed.
Product showcase: Sellers can curate collections of products they’d like to sell on TikTok and post those collections to their profile page. Users can then browse the products, read reviews and buy directly from a business’s profile.
Shop tab: TikTok users can find promotions, discover new products and make purchases within the Shop tab in the app.
Affiliate program: The new affiliate program connects content creators and sellers. Sellers can seek out content creators to promote their products in videos and Lives in exchange for a commission.
Shop ads: These can be likened to Instagram, Facebook or other social media ads. They give sellers a chance to advertise to TikTok users.
Fulfilled by TikTok: To take the weight off of sellers, with this feature, TikTok will store, pick, pack, and ship items to customers.
How do you make money on TikTok Shop?
People can make money on TikTok Shop by becoming sellers or creators. Sellers can showcase their products. Creators can use the affiliate program to partner with brands to promote their products.
Once payments are processed, both creators and sellers get paid through the bank account they connect to TikTok.
How to start a TikTok Shop as a seller
There are a few steps a person need to take before they can start selling products on TikTok. Keep in mind, you must be at least 18 years of age to open a TikTok Shop.
Step 1: Sign up at the TikTok Shop seller center
The first step is to use your TikTok account, an email address or phone number to create a TikTok Shop account. Next, be ready to provide onboarding information like business type, a form of identification, the last four digits of your Social Security number, the shop name, primary products or services that will be sold, and contact information. Business owners should prepare to input information like the business name, employer identification number and business address. Payment and tax information for both individuals and businesses are also necessary, in addition to the business address for the product detail page.
If you’re unsure about what you want to name your shop, don’t worry too much, as you can change your shop name later. It should take three to five days for your information to be audited and for TikTok to make a decision about approval.
Step 2: Upload products
Once the shop is open, it’s time to upload the products TikTok users will hopefully buy. Note that all the products listed on TikTok Shop must align with the app’s policies and community guidelines, so check those out beforehand.
Products can be uploaded in four different ways:
Manually: This may prove to be a slow grind, but you can add products to the store one at a time using this option.
Sync with your existing online store: Those who already sell products on platforms like Shopify, Amazon, BigCommerce or WooCommerce can integrate those platforms with TikTok Shop. The how-to guides can be found in the TikTok Shop Seller Center.
Use the Seller Center app: For people who prefer using phones and tablets, there is an option to upload products from a mobile device.
Bulk upload: Using a template TikTok provides, sellers can upload products in bulk. The process includes selecting a product category, downloading the template, inputting product information and uploading the template to the TikTok Shop Seller Center.
When uploading products, sellers should try to focus on clean images and tight product descriptions to engage shoppers. After uploading products, don’t forget to link the shop to a TikTok account.
Step 3: Sell
The final step is to sell products using live streaming, shoppable videos or product showcases. Sellers can also consider posting a Shop ad, sharing the word on other social platforms and encouraging buyers to leave reviews.
Partnering with TikTok creators through the affiliate program is another way to improve reach and sell products.
There are three types of affiliate plans sellers can choose from:
Shop plan: Gives creators a flat commission rate for every product.
Open plan: Allows sellers to create special plans for specific products.
Targeted plan: Allows sellers to invite specific creators to promote select products.
How to join TikTok Shop as a creator
For people who don’t have products to sell, becoming an affiliate may be the best way to make money on TikTok Shop. The affiliate program is for content creators who want to partner with brands and get paid through commissions to promote products. To become a TikTok creator, you must be at least 18 years old and have over 5,000 followers.
To get started as a creator with the affiliate program, apply through TikTok Shop in the the TikTok app. Once your application has been approved, explore TikTok Shop to find products you might want to sell. Then reach out to sellers to get permission to promote their products. Next, add the products and your contact information to your showcase. Finally, request samples and sell the products to your audience.
Is TikTok Shop safe?
On its site, TikTok says it works with trusted third-party platforms to process customer payments and provide a secure TikTok Shop checkout. That said, if you’re concerned about safety, consider using the same online safety measures you’d use with any other account, such as changing your passwords regularly and using two-step verification for login.
TikTok Shop is one of many ways to make money in our digital-forward society. Just ensure you understand the process and guidelines before committing.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
There isn’t a specific debt threshold you must meet to file for Chapter 7 bankruptcy, but you must meet certain criteria to qualify for it under the means test, which may consider income from the last six months and compares to the median income in your county for your family size.
The world of personal finances can be difficult to navigate, and unexpected events occasionally result in stressful debt. Sometimes people consider declaring Chapter 7 bankruptcy as a way to get some relief from their debts. Chapter 7 is a legal process that can provide a fresh start by discharging certain debts, but it’s essential to understand the requirements and implications.
How much do you have to be in debt to file Chapter 7? Since everyone’s financial history and situation varies, there is no absolute amount required to file Chapter 7—but there are criteria.
In this guide, we’ll cover the factors that determine eligibility for Chapter 7 bankruptcy as well as the benefits of filing, things to consider before you file, alternatives to filing and tips to help you avoid bankruptcy.
Table of contents:
Signs that filing for bankruptcy could be an option
How to know if you’re eligible for Chapter 7
Benefits of Chapter 7
Things to consider before filing Chapter 7
Chapter 7 alternatives
7 tips to avoid Chapter 7
Signs that filing for bankruptcy could be an option
Filing for bankruptcy is a significant and complex decision that you should base on careful consideration of your financial situation and options. Here are signs that you may be eligible for Chapter 7:
You’re dealing with an overwhelming amount of debt.
Bill and loan payments are being missed consistently.
Creditors are threatening to take legal action, wage garnishment, foreclosure or repossession of your assets.
You’re facing lawsuits due to unpaid debts.
Emergency funds and savings have been depleted.
You’re at risk of losing essential items such as your home or car.
How to know if you’re eligible for Chapter 7
Even though there’s no debt threshold for filing for Chapter 7, there are still other criteria that need to be met to determine if you’re eligible. Here are some key qualifications you likely need to meet:
You are filing as a person, a partnership, a corporation or other business entity.
You haven’t been discharged from bankruptcy in the previous eight years.
You have received credit counseling through the court within the last six months.
You’ve taken and passed the means test, or you have an exemption from the test.
Learn more about the Chapter 7 means test below.
Chapter 7 means test
During the Chapter 7 means test, your average monthly income over the previous six months is compared to the median income in your county. This test is a crucial factor in determining your eligibility—the court will essentially compare your financial situation to other similar-sized households in your area.
Typically, someone can qualify for Chapter 7 if their income is lower than the state median. If your income is above the median in your state, there are further calculations to determine whether or not you have enough money to pay off your bills under a Chapter 13 repayment plan.
Note: You’ll want to work with an experienced bankruptcy attorney to ensure accurate calculations and proper application of the test to your specific financial situation.
Benefits of Chapter 7
Chapter 7 offers several benefits to individuals overwhelmed by debt and seeking a fresh financial start. Here are some of the key benefits of Chapter 7 bankruptcy:
Potential debt discharge
The primary advantage of Chapter 7 is the potential bankruptcy discharge of most unsecured debts, such as:
Debt from your credit cards
Bills from medical-related expenses
Personal loans
Now that the bankruptcy process is complete, the debtor is no longer legally obligated to repay those discharged debts.
Avoid a lengthy process
In general, the Chapter 7 bankruptcy process is faster than the Chapter 13 bankruptcy process. Filing time for Chapter 7 usually takes around four to five months from the filing of the bankruptcy petition to the discharge of eligible debts.
Obtain automatic stay
An automatic stay is put into place after someone files for Chapter 7 bankruptcy. This action immediately puts a stop to all creditor collection actions, including:
Foreclosure
Wage garnishment
Repossession
Creditor harassment
Get a fresh start
Chapter 7 bankruptcy provides a clean slate for individuals that are having a hard time keeping up with payments. Once eligible debts are discharged, debtors can work on rebuilding their finances without the burden of old debts.
Relief from unmanageable debt
Chapter 7 bankruptcy is ideal for individuals with little or no disposable income to make regular payments under a Chapter 13 repayment plan. It’s designed to provide relief for those facing severe financial hardship.
Receive financial education
Those filing for Chapter 7 must attend credit counseling before they file and a financial management course before receiving a discharge. These courses can provide valuable financial education and help debtors make more informed decisions in the future.
Things to consider before filing Chapter 7
Filing for Chapter 7 bankruptcy is a big financial decision that could have long-term implications. Explore everything you should consider before filing Chapter 7 below.
Financial and employment situation
Evaluate the severity of your financial distress and employment situation. The best candidates for Chapter 7 bankruptcy are often those with excessive unsecured debt and little disposable income to make payments.
Having a hard time keeping up with payments due to unemployment can make you more eligible for Chapter 7 bankruptcy. However, if you’re still struggling to pay your bills while employed, filing for Chapter 7 may help you keep your assets, such as your house and car, by eliminating or decreasing payments on:
Credit cards
Medical bills
Unsecured debts
Court costs
It’s important to factor in the costs to file for bankruptcy, including attorney fees and court filing fees. A court filing fee for a new petition costs around $338. While it might seem like an additional expense, an experienced attorney can help you navigate the process effectively.
Credit impact
Be aware that filing for Chapter 7 bankruptcy could impact your credit negatively. There’s a chance it will stay on your credit report for up to ten years. However, if your credit is already damaged due to missed payments, the impact might not be as drastic.
Legal guidance
Consult with a qualified bankruptcy attorney to discuss your specific financial situation. An attorney can help you consider your options, navigate through the process and make the most informed decision possible. Plus, you could get valuable information about your case that you wouldn’t have thought of otherwise.
Chapter 7 alternatives
Consider investigating other possibilities to resolve your financial troubles before filing for Chapter 7 bankruptcy. Here are several alternatives to Chapter 7 bankruptcy:
Chapter 13 bankruptcy
Chapter 13 is an option for individuals with regular income to restructure their debts. It entails developing a repayment strategy that can last up to five years to progressively repay creditors.
This provides protection from creditor actions like foreclosure and repossession. It allows debtors to catch up on missed payments while keeping their assets. Compared to Chapter 7, Chapter 13 may be a better option if you’re employed and still able to pay down debt but need an extra boost to pay it down.
Debt negotiation and settlement
You might be able to negotiate a lower settlement price for your debts by speaking with your creditors directly or with the assistance of a debt settlement firm. This can lead to reduced payments but could also lead to negative consequences for your credit.
Debt consolidation loan
Taking out a debt consolidation loan to pay off multiple debts can simplify payments and potentially lower interest rates. However, it’s important to be cautious about converting unsecured debt into secured debt (like a home equity loan) that could put your assets at risk.
7 tips to avoid Chapter 7
Avoiding Chapter 7 bankruptcy requires proactive financial management and strategic decision-making. Here are some tips that might help you steer clear of the need to file for bankruptcy:
Create a budget: Prioritize making a budget for your finances to help lower your risk of debt. Tracking your expenses can be a great way to see areas where you can cut back and use the extra money to pay back debts.
Pay off debt first: Paying down your debt amount should be the first priority. Consider using the debt avalanche method to speed up the debt repayment process.
Negotiate with your creditors: If you’re having trouble making payments, contact your creditor to see if you can work out a better deal. They might be open to lowering interest rates, cutting monthly payments or establishing a repayment schedule.
Start an emergency fund: An emergency fund helps provide padding for you if you are stuck with surprise expenses, which can help you avoid using credit cards or loans.
Start selling: Sell items you no longer need for extra cash to pay down your debt. Plus, you can clear out clutter in the process.
Get a side hustle: Consider finding another source of income, like a side hustle or a second job.
Ask for help: Connect with a financial advisor or credit counselor—they can provide personalized guidance and create a plan tailored to your circumstances.
If you think you may be facing bankruptcy, you may also want to start taking a look at your credit. In this case, consider working with the credit repair team at Lexington Law Firm. They can work with you to address inaccurate items listed on your credit reports, so you can focus on building healthy money habits in the long run. You can also get a credit snapshot that gives you your credit score, credit report summary and repair recommendations for free.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Reviewed By
Vince R. Mayr
Supervising Attorney of Bankruptcies
Vince has considerable expertise in the field of bankruptcy law.
He has represented clients in more than 3,000 bankruptcy matters under chapters 7, 11, 12, and 13 of the U.S. Bankruptcy Code. Vince earned his Bachelor of Science Degree in Government from the University of Maryland. His Masters of Public Administration degree was earned from Golden Gate University School of Public Administration. His Juris Doctor was earned at Golden Gate University School of Law, San Francisco, California. Vince is licensed to practice law in Arizona, Nevada, and Colorado. He is located in the Phoenix office.
When you have a new baby on the way, you may be eager to create a nursery that’s comfortable, functional, and stylish. You can drop big bucks to turn a spare room into a dream nursery. But if you’re willing to put in some elbow grease and think outside the box, you could get the job done for much less.
Here are some creative DIY nursery ideas that won’t break the bank.
Use Paint to Make a Big Impact
If home improvement shows have taught us anything, it’s that paint can be a powerful — and cheap — way to change things up. In fact, for the cost of a few gallons of nontoxic paint, a roll of painter’s tape, and drop coverings, you can completely transform any room.
The options are limited only by your imagination. Paint all four walls the same shade to create a cohesive look, or focus the color on one wall to make a real statement. Use painter’s tape to create shapes or patterns, like stripes or chevrons, that pack the same punch as wallpaper but without the mess. If you’re artistic, paint a mural with animals or popular cartoon characters. Or considering all the time your baby will spend in their crib, you may decide to spiff up the ceiling with a pop of color.
Price tag: $125 to $250 💡 Quick Tip: Need help covering the cost of a wedding, honeymoon, or new baby? A SoFi personal loan can help you fund major life events — without the high interest rates of credit cards.
Get a Soft Rug
If you have hardwood floors, a soft rug won’t just help your feet stay warm when you come in for late-night feedings. You’ll also want a cozy surface for your baby to play, and later, learn to crawl.
You can get an area rug at a local hardware or furniture store that can bring out some of the colors in your decor and provide a soft buffer between your baby and the floor.
Price tag: $200
Make Your Own Art
Blank walls are boring, but art can be expensive to buy. So why not make your own creations?
One idea: Get jumbo letters from the local craft store that spell out your baby’s name and hang them on the wall.
Or figure out the theme of the room to help you come up with other ideas. For example, you can go to the zoo with a camera and then print out pictures of animals for an animal-themed room. Or become inspired by the night sky and put up sparkly stars and a moon on the walls. You can also find cool fabric and tack it onto a canvas for a fabric panel.
Price tag: From $25
Help Baby Sleep
Having a newborn goes hand in hand with frequent wake-up calls. But there are ways you can help baby settle down after a 3 a.m. feeding or stay asleep during a mid-afternoon nap.
Blackout curtains are a great way to prevent sunlight from seeping through window coverings — and interrupting a good nap. Making a set is doable with the help of a sewing machine and a trip to the local fabric store.
Hanging a mobile above the crib can also keep your little one entranced until their eyes start to close. You can make your own with everyday household and craft supplies, like pom poms, fabric, or paper. Simply attach the items to a string or embroidery floss, attach to a lightweight frame or embroidery hoop, and hang.
Price: From $10
Get Creative With Storage
Even if you’re a minimalist, chances are your baby will require a lot of stuff: clothes, toys, diapers, pacifiers, books…you get the idea. As you’re putting together your nursery, be sure you have ample places to store all those things. Bins, boxes, shelves, and drawers can make clean-up a breeze.
Storage systems don’t have to be expensive. You can get budget-friendly ones at local discount furniture stores. Or check online or garage sales for a used piece of furniture that you can refinish or repaint.
Just remember to fasten all the furniture to the wall so that when your baby starts pulling themselves up and walking, nothing topples over on them.
Price: From $100
Recommended: 25 Tips for Buying Furniture on a Budget
How Do You Pay for a Nursery Room Renovation
DIY-ing a nursery may save you money, but you’ll still need to make room in the budget. This can be a challenge if you’re also trying to balance the cost of hospital bills, doctor’s visits, and pricey essentials like a stroller, car seat, or crib. Here are some options you may want to consider.
Personal Savings
Tapping into your savings allows you to access the cash you need right away. However, if you’re planning to take unpaid maternity leave or are budgeting for medical expenses, you may decide it makes more sense to leave your emergency fund untouched.
Credit Card
Like personal savings, a credit card lets you pay for DIY nursery supplies now. However, at the end of the month, you’ll be billed for whatever you’ve spent. It’s important to make at least a minimum payment by the due date to avoid a late fee. But to avoid paying interest entirely, you’ll need to pay off the balance in full each month.
Recommended: Tips for Using a Credit Card Responsibly
Personal Loan
Generally speaking, a personal loan can be used for virtually anything, including decorating a nursery. Interest rates are relatively low, which means that you can likely get a loan at a low rate compared to a credit card. For that reason, it might be a much better idea than putting the expenses on a credit card, which typically have higher interest rates.
A typical term length for a personal loan is anywhere from one to 10 years. Extending your repayment over multiple years could reduce your monthly payments. But keep in mind, the longer the term length, the more you’ll pay in interest over the life of your loan.
When looking for a loan, you may want to look into securing a fixed interest rate so that you can lock in your low rate over the life of your loan. 💡 Quick Tip: Some personal loan lenders can release your funds as quickly as the same day your loan is approved.
The Takeaway
When you’re expecting a new baby, you naturally want to give them the world. This may include a room they’ll be happy to call their own. Fortunately, you can get the nursery of your dreams without having to spend a lot of money. There are creative, affordable ways to create a statement, like painting the walls or ceiling a fun shade or designing an adorable mural. Not as crafty? Explore simple, inexpensive projects, like making a mobile to hang over the crib.
If much of your budget is already earmarked for baby essentials and medical bills, you may want to explore alternate ways of paying for a nursery renovation. You could draw from your personal savings, use a credit card, or explore taking out a personal loan.
Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. Checking your rate takes just a minute.
SoFi’s Personal Loan was named NerdWallet’s 2023 winner for Best Online Personal Loan overall.
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.
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.
[Note from editor: The “Mastermind Showcase” highlights companies and news from members of the GEM. Today’s showcase: Bluestreak IoT]
BlueStreak IoT optimizes operational processes for commercial business owners and facility managers by adding an intelligence layer to existing products and enabling smart and connected features. It sits at the center of information from sensors, devices, networks, and software that combine to deliver valuable, actionable data and automate functions across retail, hospitality, entertainment, health & fitness, real estate, and other commercial venues. Its services are uniquely positioned to enhance the efficiency and performance of services in commercial real estate, including ScentBridge’s ambient scent delivery, indoor air quality monitoring, clean air as a service, resource utilization, replenishment management and performance compliance.
It works with companies to explore “Smart Products as a Service” opportunities and offers a comprehensive range of services, which includes strategy and IP consulting, hardware and software design, as well as commercialization support.
What we like: Offering differentiated IoT solutions by adding a smart layer to existing operational tools that increases performance and uptime of “Product as a Service” tools while lowering operational costs.
With the
holiday season officially underway, West Virginia University Extension experts are offering simple, low-cost decorating tips to help you save
money while creating meaningful experiences with friends and family.
Alex Mathias, assistant
professor and Extension 4-H agent in Grant County, and Luci Mosesso, Extension
4-H agent in Pocahontas County, enjoy taking advantage of opportunities to use
simple items and the beauty of nature to create unique home decor and gifts. Both
say the holidays offer the perfect opportunity to experiment with “found”
objects and natural items to make a fun, festive home for all to enjoy.
Quotes:
“Dried oranges are not
only economical but also back in style when decorating. They are a simple way
to make garland, decorate gift boxes or add pizzazz to your tree as ornaments,
and you can even use them for stovetop potpourri or ciders. Make sure to dry
them fully and properly to ensure they won’t mold. It’s a great way to create
coziness and save money. Additionally, with supervision during the slicing
process, it is a great way to involve kids, too.
“Make your home smell
like the holidays with a stovetop simmer pot. There are many ways to do a
simmer pot, including using fresh or dried fruits as well as mixing and
matching your spices. For a simmer pot to be prepared that day you can add several
orange slices, a stick of cinnamon, one-half cup of cranberries and a sprig of
pine. Dried oranges can be substituted for fresh and usually last longer. Dried
apples, cloves, star anise and more can be added too. Add enough water to cover
all items in a small pot and turn on low on a stovetop. It will take 20 minutes
or so to start to smell the simmer pot. You can leave it on the lowest setting
all day, if you are home to check on it. Refill water as needed and enjoy.
“Salt dough ornaments
are an age-old tradition that are super affordable and fun. Salt dough can be
stamped, painted, molded and more. Let your artistic side show without breaking
the bank. When properly dried, salt dough ornaments can last decades.
“If you want a true throwback and inexpensive way to make all the garland you
need, make a popcorn garland. All you need is embroidery floss or even waxed
dental floss, a needle, scissors and unbuttered popcorn along with and shellac to
make it last longer. Make sure you pop plain popcorn to avoid flavor or salt
residues. To make it more festive and colorful, add cranberries. Take time to string
your popcorn garlands. Garland can be used on trees, mantels and around windows
inside the home. While these usually only last the season, you can make it a
tradition of stringing popcorn garland each year.” — Alex Mathias, WVU
Extension assistant professor and 4-H agent, Grant County
“Fresh greens are the perfect, budget-friendly accent to make a cozy home
around the holidays. Many of our everyday decorations can become holiday or
winter decor simply by adding holly, boxwood or pine. Add in natural or painted
dried flowers and seed pods for accent pieces. As the days get shorter, we tend
to spend more sedentary time indoors, so foraging for greenery is a great way
to get back outside for a little sunshine and exercise when we need it the most.
When it’s time to clean up, the greens can be composted, used for fires or
taken back to the woods to decompose.
“Pine boughs are a staple foraged decoration in our house. When trimming your
tree, save the bottom branches for the foundation of the boughs. I like to
start with pine and add boxwood for texture followed by juniper or holly for a
little color. Green zip ties blend in perfectly and are an easy way to hold it
all together. Pick out your favorite ribbon to finish them off. I put boughs
under the windows and even on the mailbox post. If you have any old sleds or
ice skates, they make the perfect winter complement to fresh pine boughs.
“Bringing greens indoors is a great way to fight off the dark days of winter. I
like to use ground pine, holly, eucalyptus and rosemary for indoor decorations.
The rosemary and eucalyptus smell fresh and dry nicely for extended periods of
time. The ground pine provides volume and the delicate holly berries are a
perfect pop of color. Use these greens to spruce up grapevine wreaths, advent
wreaths or create a mantel display with candles or lights, but be sure to watch
candles or choose the battery-operated ones.
“Pine cones are another
fun, budget-friendly winter decoration. Fill up antique baskets with cones, a
few springs of greenery, battery-operated fairy lights and a ribbon for a quick,
cozy indoor or outdoor display.
“If you have a fireplace that no longer works or is not being used, the
holidays are the perfect time to show it off. White birch logs, pillar candles or
lights are a perfect way to make it cozy without the actual fire. Add some
greenery to the mantel for the finishing touch.
“Solar lights are
affordable, long-lasting and conveniently turn themselves on and off each day.
Solar lights come in all shapes, sizes and colors, and the best part is they
don’t add to the power bill.” — Luci Mosesso, WVU Extension 4-H agent,
Pocahontas County
West
Virginia University experts can provide commentary, insights and opinions on
various news topics. Search for an expert by name, title, area of expertise, or
college/school/department in the Experts Database at WVUToday.
-WVU-
tec/11/28/23
MEDIA CONTACT: Tara Curtis Director of Communications and Marketing WVU Extension 304-293-7996; [email protected]
Call 1-855-WVU-NEWS for the latest West Virginia University news and
information from WVUToday.
In another odd twist for 2023, the ability to split up after a divorce seems to be another casualty of the high mortgage rate environment.
Couples who may have locked in a very low mortgage rate in previous years — but who are now seeking to end their marriages — are finding themselves needing to remain in their homes together as high rates make moving out an unaffordable prospect, according to a report at the Wall Street Journal.
“Mortgage rates are over 7% and average home prices have hit record highs,” the report says. “This means more couples can’t afford to leave their home with its less than 3% mortgage interest rates and set up two different households. Renting isn’t always an option either given that rents have risen more than 9% over the last two years.”
The reality has led to awkward arrangements for impacted divorced couples. Separately “assigned” floors for estranged spouses, separate purchases of groceries and scheduled times for doing their laundry, to name a few.
“One woman locks her bedroom door and keeps her supply of batteries and toilet paper in her closet,” the report says. “Many don’t tell colleagues about the set up because it seems unthinkable or they are embarrassed. They try to maintain civility for the kids and hold tight until they can afford to buy, rent and furnish two homes.”
In one example, a couple bought a Mesa, Arizona, home for $600,000 at a mortgage interest rate of 5.62% in the summer of 2022. The initial plan was to refinance when rates improved, but they’re now seeking a divorce and living in a home that has dropped in value.
The couple remains on amicable terms and stayed in the home together for two months, but when it became too awkward they sought out new living arrangements. One found an affordable rental via social media, while the other is staying in the house but is not making any payments on it until it sells.
Another estranged couple in the Phoenix area worked out an arrangement on their home with a 3.25% mortgage rate. The wife bought out 40% of the husband’s equity and agreed to pay the remainder within three years.
“She would have preferred a clean break from her ex, rather than dragging the commitment on for three years, but she says it was the only option given today’s elevated mortgage rates,” the report said of the arrangement.
The wife blamed elevated mortgage rates on the unusual arrangement.
“If rates weren’t so high, I would have sold the house and moved somewhere within the city or refinanced,” she told the Journal.
Tucked alongside a large dorm building on the fringes of Woodbury University’s campus in Burbank is a small but very eye-catching house. The 425-square-foot home is contained by a gently curving concrete form equipped with a generous porch and a dramatic sloping roof. Slender, carefully staggered floor-to-ceiling windows gently illuminate the interior.
It’s a nice piece of architecture. What makes it truly remarkable is who built it — and how.
The Solar Futures House, as it is formally known, was designed by Woodbury architecture students and constructed out of concrete using the latest 3-D printing technology. It is the first such permitted structure in the city of Los Angeles, according to Woodbury architecture dean Heather Flood. And it was built by Emergent, a 3-D printing construction firm based in Redding. (A quick geography explainer: While Woodbury has a Burbank address, a piece of the campus, where the house was built, is located within Los Angeles city limits — hence the L.A. permits.)
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Most notable is how quickly this project came to fruition. “It was 15 months from design, going through the permitting process with the city, working with the printing company and dealing with 14 atmospheric storms,” says Kishani De Silva, chair of the construction management program at Woodbury, who served as faculty lead on the project. “It came to life on the 12th of May. … The next day the students literally graduated.”
From design to near completion in 15 months? In bureaucratic Los Angeles, that counts as damn near miraculous.
Woodbury student Sergio Santos, second from right, joins Woodbury faculty and administrators Kishani De Silva, left, Heather Flood and Aaron Gensler in front of the Solar Futures House.
(Genaro Molina / Los Angeles Times)
Certainly, it helped that students were collaborating with municipal experts from the Mayor’s Office of Energy and Sustainability, the Bureau of Engineering and a nonprofit clean tech incubator at the Los Angeles Department of Water and Power — organizations that could help navigate the red tape. But at a time when our region is gripped by a housing and homelessness crisis, it is nonetheless a model worth examining.
To be clear, the house is not 100% complete — though it’s awfully close. A couple of the interior areas are still in need of drywall, and some exterior features and the landscaping remain unfinished. Moreover, the building will require a certificate of occupancy from L.A.’s Department of Building and Safety.
But it is an impressive piece of design, achieving a lot in a small space.
The layers of 3-D-printed concrete give the walls a geologic look, and the curving shape and high ceilings prevent this intimately scaled studio from feeling like a shoebox. In addition, the covered porch and the living room are connected by a sliding door; throw it open and the space feels bigger and airier.
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A combined living/sleeping area in the foreground leads to an open kitchen/dining space in the Solar Futures House at Woodbury University.
(Carolina A. Miranda / Los Angeles Times)
And, true to its name, this is a structure that prioritizes environmental concerns.
The Solar Futures House began as an entry in the Solar Decathlon, a national collegiate competition organized by the U.S. Department of Energy that encourages budding designers to create high-performance structures powered by renewable energy.
In the spring of 2022, a class of Woodbury students submitted a design proposal and was selected as one of 14 finalists, receiving a $50,000 grant for construction. By the fall of that year, the team was breaking ground.
The structure they proceeded to build was all about efficiency. Shower water is recirculated for toilet flushing. The home’s bending form and sloped roof are designed to respond to the angle of the sun over the course of the year, thereby maximizing the generation of solar power. Currently, the structure features one solar array on the roof, which makes the building net zero (meaning no additional electricity is needed to power the home). Add another and it becomes net-positive, supplying energy to the grid.
The angled roof is made out of a reflective, resin-coated metal and sits atop 9 inches of mineral wool insulation, which helps preserve the building’s interior temperatures and buffer external noise. (Woodbury’s campus sits next to the 5 freeway, but between the double-layer concrete walls, the triple-glazed windows and the insulation, the house feels peaceful.) Mineral wool insulation also functions as a fire barrier — addressing another environmental concern in California.
To mitigate the use of concrete, which is carbon-intensive, the team developed a formula that contained a higher percentage of fly ash, making it more sustainable. The precise nature of 3-D printing also means that no concrete goes to waste.
This new construction method allowed for the speedy erection of the building’s double-layer walls: De Silva estimates that printing took about three days. It also let students play with form. In a traditional stick-build structure, 90-degree angles are the most efficient way for walls to meet. But 3-D printing allows for more flexible shapes; hence the curving walls, which give the house a more organic feel. Take the bathroom: Designed to be compliant with the Americans With Disabilities Act, it is no afterthought — it’s tucked into an attractive rounded room that also includes laundry facilities.
A bathroom with a curving wall in the Solar Futures House is attractive, space-efficient — and it meets ADA standards.
(Genaro Molina / Los Angeles Times)
Naturally, the DOE’s grant didn’t cover all of the costs.
Flood estimates that the budget for the house currently stands at about $250,000, including in-kind support and donated services from area firms. L.A.-based Nous Engineering pitched in on the structural work, while Breen Design Group in Torrance helped with the mechanical systems; Mitsubishi Electric donated an HVAC system and Ikea supplied furnishings.
The Solar Futures House is a significant achievement — especially considering that Woodbury is a small school (with fewer than 1,000 undergraduates) and its accredited architecture program is relatively new, established in 1994. The university serves students primarily from Southern California, many of them Latino, making it a designated Hispanic-Serving Institution. (The school plays a critical role in diversifying the field, since architecture remains overwhelmingly white.)
Two dozen students worked on the Solar Futures House over a period of two academic years, rotating in and out of the project as part of their coursework. But a number of them were able to see it through from beginning to end, including Karin Najarian and Jade Royer; Sergio Santos was able to work on the home throughout the entire final year.
A day bed in the Solar Futures House could serve multiple functions.
(Genaro Molina / Los Angeles Times)
The Solar Futures House soon will be habitable; university administrators are debating how it might be used. Possibilities include a guest house for visiting speakers or a residence for a housing-insecure student.
Whatever its ultimate purpose, the home will continue to function as a teaching tool. “It’s a prototype for a method of design and construction and the actual shape and form could be varied,” says Flood. “It could conform to many different site conditions. You can nest multiple units together in a way that would take advantage of structural efficiencies.” (Construction companies already have begun to create two-story structures using 3-D printing technology.)
Woodbury students will be able to take this initial concept and run with it, refining and adapting it to suit the needs of other constituencies, such as the elderly.
The house may be almost complete, but the ideas that informed it are just beginning to take off.
To learn more about the Solar Futures House, and keep up on any upcoming public events, check the project’s website at solar.woodbury.edu.