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Inside: Are you looking for ways to make money while you’re still in college? This guide has a variety of ideas for side hustles for college students that can help you get started. From online businesses to odd jobs, there’s something for everyone.

Are you a college student searching for ways to increase your income and improve your financial situation while balancing your academic commitments? We’ve got your back!

In this student-friendly guide, we’ll share side hustles for college students, giving you many opportunities to earn extra cash. 

You can even learn to get paid to go to school!

Whether you’re tech-savvy, creative, or inclined towards offline work, you’ll find something that suits your preferences.

Let’s jump in and explore how you can transform your free time into a valuable money-making asset!

What is a Side Hustle?

Simply put, a side hustle is like having a little extra adventure on the side while you’re busy with your main gig, which in this case might be college classes.

It’s your chance to boost your finances and gather valuable experience that could pave the way for future career opportunities. It’s like adding a dash of extra flavor to your college life along with extra cash!

What side hustles can I do as a college student?

As a college student, you possess a unique set of skills and resources that can be leveraged to generate income.

Whether you aspire to know how to make quick money in one day or debate what should I do for a living, opportunities await you.

Stay tuned for the second part of this article, where we’ll explore a treasure trove of side hustles perfectly tailored for college students.

What can I do to make extra money as a college student?

As a college student, there are various ways to earn extra money.

Most importantly, you need to find something that works well into your college schedule.

That is why many college students prefer to learn how to make money online for beginners. That gives them the chance to make money on their time from their campus or anywhere else they choose to move.

Now, let’s move on to the best online and offline side hustles for college students that may be of interest to you.

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Best Online Side Hustles for College Students

As the digital era continues to expand, opportunities for online side hustles are becoming more prevalent.

These side gigs leverage the power of the internet allowing flexibility, diversity, and potential profitability without sacrificing full-time commitments.

From millennials to retirees, are venturing into online side hustles to supplement their income, make use of their skills, or explore new career paths.

1. Write Articles for Websites

If you have a flair for writing, you can explore freelance opportunities as a content writer for websites and blogs. Numerous online platforms offer paid writing gigs.

Create a portfolio of your writing samples, sign up on freelancing websites like Upwork or Fiverr, and start bidding on writing projects.

Learn how to Earn Money Writing.

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You can make money as a freelance writer. 

Learn techniques to find those jobs and earn the kind of money you deserve!

Plus get tips to land your first freelance writing gig!

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2. Build Websites

If you’re tech-savvy and have web design skills, offer website design services to individuals or small businesses looking to establish an online presence.

Showcase your web design work through a portfolio website, network with potential clients, and consider joining platforms like WordPress or Wix for easy website creation. Just make sure to use Kadence WP for themes!

This is a great gig for college students because you can take on more clients during your school breaks and none during finals week.

3. Starting an Etsy Business Selling Printables

Creating printables on Etsy is a popular and potentially profitable endeavor. It involves designing digital products that users can download and print at home.

Find the most popular digital products to sell on Etsy.

Beyond imagination and design skills, it is essential to learn how to optimize product descriptions and pricing, for which you can turn to comprehensive online courses. By following this how to sell printables course, you can equip yourself with the right tools to excel in this Etsy niche.

4. Create Videos

As a college student, there are two possible avenues for this side gig.

You can start a YouTube channel or offer video creation/editing services.

If you choose to venture into your own YouTube challenge, then you are able to monetize your videos through ads and sponsorships. Most importantly, you need to choose a niche for your YouTube channel, then create engaging content, and build a loyal audience.

Don’t want to be in the limelight? You can also offer video editing services on freelancing platforms.

5. Start a Blog

Share your knowledge or passion through a blog and monetize it through affiliate marketing, sponsored posts, and ads.

Pick a niche you’re passionate about, set up a blog using platforms like WordPress and Kadence theme, and consistently publish high-quality content.

This is not for the faint of heart, but college students traditionally have better success because of promotion through social media and engaging with readers.

6. Start an E-commerce Business

Launch your online store selling products you’re passionate about. Platforms like Shopify make it easy.

Source or create your products, set up an e-commerce website, and market your products through social media, email marketing, and search engine optimization.

One of the main benefits is an e-commerce business with low start-up costs, low ongoing maintenance, and the ability to remain open and generate sales 24/7.

7. Become a Freelancer

Explore freelance platforms for various opportunities like graphic design, programming, or digital marketing.

As a freelancer, you can work remotely and at your own pace. Create a compelling freelancer profile, showcase your skills, and bid on projects that match your expertise on platforms like Upwork, Freelancer, or Guru.

This is a great way to start building your portfolio of experience.

8. Write Your Classmates’ Cover Letters and Resumés

Engaging in the preparation of your classmates’ cover letters and resumes can be a rewarding side hustle.

Many employers today express concern about the lack of well-written cover letters and resume submissions they receive. By capitalizing on your writing skills, you can provide a much-needed service for your peers while earning some income.

Hence, build your proficiency with practice resumes, then decide on your charge per each document created.

9. Sell Stock Photos

If you have photography skills, sell your photos on stock photography websites like Shutterstock.

This is a perfect side hustle for young adults because you are constantly capturing the moments.

To get started, create an account on stock photography platforms, upload high-quality images, add relevant keywords, and start earning royalties when your photos are downloaded.

10. Write eBooks

Capitalize on your expertise in a specific subject and create eBooks to sell on platforms like Amazon Kindle Direct Publishing. Design an eye-catching cover and promote your eBook through social media and book-related forums.

This is the first step to passive income before you even graduate!

11. Proofreading

Proofreading can be a fruitful side hustle for students looking to earn extra money.

By leveraging your writing skills, you can charge a fee to proofread and edit classmates’ assignments, theses, or essays. Also, many small businesses are always looking for help!

With platforms like Fiverr or college bulletin boards, you can advertise your services and set your own rates, potentially making $25–$45/hour according to proofreading expert Caitlyn Pyle.

Transcript Proofreading

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12. Start a Podcast

Starting a podcast can be an excellent revenue stream, given the significant increase in podcast listenership, with 82 million Americans being weekly podcast listeners according to a 2021 study.1

Your revenue can come from sponsorships, donations, and offering premium content or services. It’s essential to plan your podcast content aligning with your targeted audience and consistently producing high-quality episodes to grow and maintain your listener base.

13. Work as a Virtual Assistant

If you’re looking to start as a virtual assistant without prior experience, don’t worry!

Many businesses look for virtual assistants for tasks like email management, data entry, or social media management. Find out exactly what is needed with this virtual assistant checklist.

Plus working as a virtual assistant offers the flexibility to work remotely, which is a benefit for a college student.

Learn how to jumpstart your side hustle with this free Virtual Savvy training.

Virtual Savvy

If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!

This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own businesses from scratch. 

Swipe our exact methods to start earning a living from anywhere as a VA – no experience needed!

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Best Offline Side Hustles for College Students

In this section, we delve into the world of in-person side hustles.

Ideal for those preferring tangible interactions and a more predictable income, these opportunities demand physical presence and often offer good remuneration for physical labor.

However, they come with their own set of challenges like fixed service hours and potential clashes with a busy schedule.

1. House Sitting

House sitting is an excellent side hustle for college students.

You can offer your house-sitting services to neighbors or anyone going on vacation. It’s all about providing peace of mind to homeowners by ensuring their property is secure and well-maintained.

Build trust in your community by offering reliable house-sitting services, and word-of-mouth recommendations will follow. Consider promoting your services through Trusted Housesitter.

2. Food Delivery Driver

This is an extremely easy way to make money.

Sign up as a food delivery driver for platforms like UberEats or DoorDash. After registering as a driver and meeting the platform’s requirements, you can start delivering food orders in your area.

This side hustle allows you to set your hours and earn extra cash while enjoying the freedom of the open road.

3. Offer Lawn and Gardening Services

For those with a green thumb or a passion for outdoor work, offering lawn and gardening services can be a lucrative side hustle.

All by helping homeowners in your area with lawn care and gardening tasks. Investing in basic gardening tools is essential, and you can advertise your services through flyers, local online groups, or by simply offering your services to friends and family.

In fact, this may turn into your full-time business like this high school student.2

4. Shovel Snow During the Winter

If you live in an area with snowy winters, don’t miss the opportunity to capitalize on it. Offer snow shoveling services to residents in your community.

Promote your snow shoveling services well in advance of the winter season to secure clients.

On a snowy day, you can easily make 200 dollars fast. Just by being prepared to respond promptly to snowfall, and ensuring that driveways and walkways are safe and clear.

5. Become a Tutor

Sharing your knowledge by becoming a tutor is not only a valuable service but also a great way to earn extra income.

You can tutor fellow students in subjects you excel in or offer your expertise to local school kids. You can also tutor your classmates who are struggling in class.

Advertise your tutoring services through college bulletin boards, social media, or tutoring websites.

6. Clean Houses and/or Offices

Cleaning services are in demand, and you can provide them to individuals or businesses in your area.

Invest in basic cleaning supplies and equipment, set competitive rates, and market your services through local ads, referrals, and social media.

A reputation for thorough and reliable cleaning can quickly build your clientele.

7. Edit Your Classmates’ Papers — For a Fee, Of Course

If you have strong writing and editing skills, consider offering your editing services to your fellow students.

Many students appreciate having their papers reviewed and improved by a peer.

Promote your editing services within your college network, showcase your skills, and offer reasonable pricing to attract clients. This can quickly spiral to making 300 dollars fast.

8. Become a Handyman or Handywoman

If you’re skilled in fixing household issues or performing basic maintenance tasks, this side hustle can be highly profitable.

Acquire a basic toolkit, and offer your handyman services locally. From minor repairs to assembling furniture, providing reliable and affordable solutions can earn you a good reputation and repeat business.

You can quickly get started on TaskRabbit today.

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9. Translator

This is a highly needed service! If you’re proficient in multiple languages, offering translation services can be a rewarding side hustle.

Create a portfolio that showcases your language proficiency and advertise your skills to businesses or individuals who require translation services.

Your ability to bridge language barriers can be a valuable asset to various clients.

10. Deliver Anything Else Someone Might Need

If you’re the proud owner of a vehicle or even a trusty bicycle, you can tap into the world of delivery services. While food delivery is a popular option, you can expand your offerings to deliver a wide range of items. 

Consider offering delivery services for groceries, prescription medications, packages, and even care packages for college students.

People are always willing to pay for help.

11. Drive for Uber or Lyft

Becoming a rideshare driver with companies like Uber or Lyft is a popular side hustle that offers flexibility. Sign up as a driver, meet the platform’s requirements, and start offering rides to passengers.

The benefit is you can choose your working hours, making it convenient to fit around your class schedule.

12. Hauling Junk

Help people declutter their homes by offering junk hauling services. You’ll need access to a pickup truck or a vehicle with ample cargo space.

Advertise your services, establish rates based on the volume of items to be hauled, and provide efficient and responsible junk removal.

Seriously, I see three or more posts in my neighborhood with people asking for help to move their junk!

13. Turning Your Car into a Moving Advertisement

Ever wondered if you could make money while driving around town? Well, here’s an interesting side hustle idea – turning your car into a moving advertisement.

Some companies are willing to pay you to wrap your car with their branding, turning it into a rolling billboard.

As you cruise through town, you’ll not only earn money but also become a conversation starter. It’s a unique way to earn extra income while sparking interesting discussions about the products or services you’re promoting.

14. Offer Moving Services

Assisting with local moves can be physically demanding but financially rewarding. Advertise your moving services locally, and consider forming a team if necessary.

Ensure you have the necessary equipment, such as dollies and moving blankets, to facilitate the moving process. By providing a smooth and efficient moving experience can lead to positive reviews and referrals.

15. Entertaining Kids at Birthday Parties

Entertaining children at birthday parties is a profitable side hustle for college students, especially those who have a knack for acting or enjoy engaging with children.

This venture could earn you between $50 and $100 per hour.

Develop a repertoire of entertaining acts, start promoting your services through local event planners and social media, and offer packages for different party sizes.

16. Teach Music or Sports Lessons

Share your musical or athletic skills by offering lessons to aspiring learners.

Whether you’re skilled in playing an instrument, coaching a sport, or giving dance lessons, there’s likely a demand in your community. Advertise your lessons through flyers, social media, or local community centers.

Make sure you have the necessary equipment and expertise to provide quality instruction. This is what I did in high school and college.

17. Proctor Tests

If your college conducts exams, there may be opportunities for students to work as test proctors for a fee. Inquire about proctoring opportunities at your college’s testing center or academic department.

This can be a convenient way to earn extra income without straying far from your campus.

18. Become a Legal Street Performer

If you have a talent for street performing (e.g., playing music or juggling), consider performing in public spaces for tips.

Choose a suitable location, prepare your act, and follow local regulations for street performances.

Could you make $1000 in a day?

19. Be a Lifeguard

Lifeguarding is a responsible job that requires attentiveness and quick response in case of emergencies. If you’re a strong swimmer with the necessary certifications, consider working as a lifeguard at local pools or aquatic centers.

Unfortunately, this is a high-stress and low-paying job. So, you are better off considering one of these low stress jobs that pay well.

20. Offer a Painting Service

Offering painting services can be a rewarding side hustle, especially for those who find the task peaceful and enjoy bringing a fresh new look to rooms or entire homes.

Most homeowners dread the prospect of painting their own homes and are often willing to hire a handyman to do the job. You can easily make 500 dollars fast.

With minimal initial investment in quality brushes and rollers, you can unleash your creativity and transform spaces with color and design, choosing your own hours and clients in the process.

21. Sign Up as a Substitute Teacher

Working as a substitute teacher is an excellent opportunity for individuals who do not necessarily have a teaching certificate but possess a high school diploma and a clean background check.

My husband, having served as a substitute teacher, found the experience to be rewarding when he was in college.

Not only did it pay well, averaging about $131 per day, but it also allowed him the chance to engage in student activities and provide value to the local school district.

22. Babysitting

Babysitting is a viable side gig, particularly suitable for early childhood education degree seekers, offering flexibility and a rewarding experience while caring for others’ children.

It involves variable commitments mostly during evenings, weekends, and some weekdays, with an average earning potential of $17 per hour.

Securing babysitting roles can be accomplished through personal connections, local community outlets, and digital platforms like Care.com and Sittercity.

Why is college the best time to start a side hustle?

Before we bid adieu for now, let’s ponder why college is the perfect breeding ground for side hustles:

  • Flexibility: College schedules often come with pockets of free time, making it easier to juggle academic responsibilities and a side gig.
  • Learning and Growth: Side hustles offer valuable lessons in time management, financial literacy, and entrepreneurship that complement your academic knowledge.
  • Networking: Your college is a hub of potential clients, collaborators, and mentors, providing a fertile ground for your side hustle to thrive.
  • Financial Independence: Earning your own money allows you to alleviate the burden of student loans and gain financial independence.

Employing multiple streams of income is the savviest thing you could do for your finances and your long-term wealth.

Tips to be Successful with Your Side Jobs for Students

One of the best things about side hustles, is you are able to get real-life experiences and knowledge. This side hustle may or may not become your full-time job, but the skills are transferable.

The goal is to find success, so let’s explore some essential tips to succeed in your side hustles as a college student:

  • Time Management: Prioritize your college commitments and allocate dedicated time for your side hustle.
  • Skill Utilization: Leverage your skills, whether it’s writing, design, or a particular subject you excel in.
  • Online Presence: Create a portfolio or profile to showcase your skills and attract potential clients or customers.
  • Networking: Connect with fellow students, professors, and professionals who might offer opportunities or guidance.

Also, don’t give up if your first side justle doesn’t work out the way you hoped. Keep going until you find something you love to do!

Are You Ready To Start Hustling?

As you set off on your side hustle journey, keep in mind that consistency, dedication, and adaptability will be your trusted companions.

Whether you choose to dive into online opportunities, embrace offline endeavors, or strike a balance between the two, every experience will play a part in your personal and entrepreneurial growth.

If you are going to be in various locations during your college years, it is best to look for remote jobs for college students.

Your path towards financial empowerment is only just beginning, and we’re thrilled to be with you every step of the journey. 

Between each college exam and class, you can make money to pay for your schooling. I think that is a win-win to pay for college without loans.

Start your side hustle today and get on the path to financial freedom with Money Bliss.

Source

  1. Statistica. “U.S. Podcasting Industry – statistics & facts.” https://www.statista.com/topics/3170/podcasting/#topicOverview. Accessed on October 4, 2023.SSt
  2. 10 News. “A CEO at 17: How this Colorado teen transformed his side hustle into a legitimate business.” https://www.10news.com/news/green-worx-landscaping-golden-colorado. Accessed on October 4, 2023.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

Apache is functioning normally

Apache is functioning normally

The mere thought of filing for bankruptcy is enough to make anyone nervous. But in some cases, it really can be the best option for your financial situation. Even though it stays as a negative item on your credit report for up to ten years, bankruptcy often relieves the burden of overwhelming amounts of debt.

There are actually three different types of bankruptcy, and each one is designed to help people with specific needs. Read on to find out which type of bankruptcy you might be eligible for. We’ll also help you determine whether it really is the best option available.

What are the different types of bankruptcy?

In general, bankruptcy is the process of eliminating some or all of your debt, or in some cases, repaying it under different terms from your original agreements with your creditors.

It’s a very serious endeavor but can help alleviate your debt if you calculate that it’s unlikely to you’ll be able to repay everything throughout the coming years.

The two most common for individuals are Chapter 7 and Chapter 13. Chapter 11 is primarily used for businesses but can apply to individuals in some instances. Let’s take a look at some bankruptcy basics and the other details that set them apart from each other.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is designed for individuals meeting certain income guidelines who can’t afford to repay their creditors. You must pass a means test to qualify. Then, instead of making payments, a bankruptcy trustee can sell your personal property to help settle your debts, including both secured and unsecured loans.

There are certain exemptions you can apply for to keep some things from being taken away. It all depends on which debts are delinquent. If your mortgage is headed towards foreclosure, you might only be able to delay the process through a Chapter 7 delinquency.

If you’re only delinquent on unsecured debt, like credit card debt or personal loans, then you can file for an exemption on major items like your home and car. That way they won’t be repossessed and auctioned off.

Eligible exemptions vary by state. Usually, there is a value assigned to your assets that are eligible for exemption. You may keep them as long as they are within that maximum value. For example, if your state has a $3,000 auto exemption and your car is only valued at $2,000 then you get to keep it.

Most places also allow you to subtract any outstanding loan amount to put towards the exemption. So, in the situation above, if your car is valued at $6,000, but you have $3,000 left on your car loan, then you’re still within the exemption limit.

Chapter 7 bankruptcy is the fastest option to go through, lasting just between three and six months. It’s also usually the cheapest option in terms of legal fees. However, keep in mind that you’ll likely have to pay your attorney’s fees upfront if you choose this option.

Chapter 13 Bankruptcy

A chapter 13 bankruptcy is the standard option when you make too much money to qualify for a Chapter 7 bankruptcy. The benefit is that you get to keep your property but instead repay your creditors over a three- to five-year period. Your repayment plan depends on several variables.

All administrative fees, priority debts (like back taxes, alimony, and child support), and secured debts must be paid back in full over the repayment period. These must be paid back if you want to keep the property, such as your house or car.

The amount you’ll have to repay on your unsecured debts can vary drastically. It depends on the amount of disposable income you have, the value of any nonexempt property, and the length of your repayment plan.

How long your plan lasts is actually determined by the amount of money you earn and is based on income standards for your state. For example, if you make more than the median monthly income, you must repay your debts for a full five years.

If you make less than that amount, you may be able to reduce your repayment period to as little as three years. You can enter your financial information into a Chapter 13 bankruptcy calculator for an estimate of what your monthly payments might look like in this situation.

To qualify for Chapter 13, your debts must be under predetermined maximums. For unsecured debt, your total may not surpass $1,149,525 and your secured debt may not surpass $383,175. However, unlike Chapter 7 bankruptcy, you may include overdue mortgage payments to avoid foreclosure.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is usually associated with companies. However, it can also be an option for individuals, especially if their debt levels exceed the Chapter 13 limits. A lot of the characteristics of Chapter 11 and Chapter 13 are the same, such as saving secured property from being repossessed.

Having to pay back priority debts in full and having a higher income bracket than a Chapter 7 bankruptcy are also common characteristics. However, unlike Chapter 13, you must make repayment for the entire five years with a Chapter 11. There is no option to pay for just three years, no matter where you live or how much you make.

Another reason to pick Chapter 11 is if you are a small business owner or own real estate properties. Rather than losing your business or your income properties, you get to restructure your debt and catch up on payments while still operating your business, whether it’s as a CEO or as a landlord.

One downside to be aware of with a Chapter 11 bankruptcy is that it’s usually the most expensive option. However, you can pay your legal fees over time so you don’t have to worry about spiraling back into debt.

What are the long term effects of bankruptcy?

It should come as no surprise that going through bankruptcy causes your credit score to plummet. Depending on what else is on your report, your score could drop anywhere between 160 and 220 points.

Those effects linger. A Chapter 13 bankruptcy stays on your credit report for seven years. And a Chapter 7 bankruptcy remains there for as many as ten years. Their effects on your credit score do, however, begin to diminish as time goes by.

You’ll probably have trouble getting access to credit immediately following your bankruptcy. Eventually, you’ll start getting approved for loans and credit cards, but your interest rates are likely to be extremely high.

A new mortgage will probably be out of reach for at least five to seven years from the time you file for bankruptcy. Additionally, any employer performing a credit check can see all of these items on your credit report.

Government agencies can’t legally discriminate against you because of your bankruptcy, but there is no specific rule for privately-owned companies. It could be particularly damaging if the job you’re applying for deals with money or any type of financials. No matter where you work, though, you can’t be fired from a current employer because of a bankruptcy.

Should I file bankruptcy?

There’s no correct answer to this question. It’s ultimately something you’ll need to decide on your own. However, there are a few things you can do to make sure you’re making the best decision possible. Start by finding a licensed credit counselor to help analyze your individual situation. They’ll help you review the guidelines for each type of bankruptcy and determine if you’re even eligible.

At first glance, filing for bankruptcy may seem like a great way to settle your debts and move on with your life. Unfortunately, the process isn’t as simple as filling out a form. The effects of bankruptcy will stick with you for years.

As you begin the evaluation process of whether bankruptcy is right for you, there are several considerations to consider. This overview will get you thinking about your situation. It will also point you in the right direction for more in-depth resources when you need them.

Is your current status temporary or permanent?

You should also look at your expected future and compare your potential earnings to your amounts of debt. If you don’t see how you’ll ever pay off that debt, then bankruptcy may be a wise option. Also, understand the types of debt you owe. Tax payments, student loan debt, and liens on your mortgage or car will not be discharged even when you file for bankruptcy.

Once you figure out which specific options are available to you, it’s time to contact a bankruptcy attorney. You’re certainly able to represent yourself, but the process is complicated. It’s usually best to have a professional work on the case on your behalf. Just be sure to interview a few different lawyers to get multiple opinions and prices to compare.

Evaluate Your Situation

Even when your bankruptcy is underway, it’s smart to spend some time evaluating how you got there. Was it due to a one-time financial hardship, like a long bout of unemployment? If that’s the case, then you know that you have a brighter future ahead of you with the promise of work and steady income to pay your bills.

However, if you’re on the path to bankruptcy because of reckless spending, you really need to look inward and address your overspending habits. Otherwise, it becomes too easy to put yourself in the same situation a few years down the road. Use your bankruptcy as a second chance to start fresh with a clean financial slate.

Why Consider Bankruptcy?

If you’re considering bankruptcy, then you’re most likely feeling overburdened with debt and other financial obligations. You probably have a tough time paying your bills each month and may even worry about how you’ll ever pay off some of your outstanding balances.

If you’ve already exhausted your other options, like working overtime and cutting back on your non-necessities, it might be time to seriously think about potentially declaring bankruptcy. Some signs that you might be ready include:

  • Increased interest rates because of late payments or bad credit
  • Using credit cards for daily purchases without paying off the balance each month
  • Already downsized things like house, car, and other assets
  • Working multiple shifts or jobs
  • Paying off debt with retirement funds
  • Wages are being garnished

If one or more of these situations apply to you, then you should probably continue your research into bankruptcy. If not, try finding other ways to improve your financial situation. For example, you could rework your budget if there are easy places to cut back on.

You can also try negotiating with your lenders, particularly if you’re experiencing just a short-term setback. Most lenders are willing to work with you. They would much rather set up a new payment plan than have the debt discharged or settled through bankruptcy.

Bankruptcy Alternatives

If you want to file for bankruptcy it takes careful planning. Due to the long-term legal and financial consequences of bankruptcy, there are many rules that must be followed before you’re eligible.

For example, it’s necessary to show the bankruptcy court that you have obtained credit counseling and considered debt relief options like debt settlement or debt consolidation. Bankruptcy is controlled exclusively by the federal judicial system, which strongly recommends hiring an attorney before attempting to file.

If you need help finding a bankruptcy lawyer, contact the American Bar Association. They offer free legal advice, and you may qualify for free legal services if you are unable to afford an attorney.

Creating a Checklist to Avoid Dismissal

Before you file for bankruptcy, there are several important questions you should ask yourself. There are also several key steps that you need to take. First, it’s necessary to ask yourself if you really need to file for bankruptcy.

If you don’t, you probably won’t be approved anyway. You also need to calculate income, expenses, and assets, find a trustworthy attorney, and select a credit counseling program.

It’s helpful to be methodical and to use a checklist. Failure to take the right steps and find the right credit counseling could result in more wasted money and a bankruptcy dismissal where they throw out the case.

Reasons to Delay Bankruptcy

Even if bankruptcy is the best choice for you, there may be some situations where it’s smart to delay the process so you can maximize your benefits. First, if you had a high income within the last six months that no longer applies to your situation, then you might want to wait.

That’s because the bankruptcy court weighs your last six months of income to determine your eligibility for Chapter 7 bankruptcy. If you had a nice monthly salary a few months ago but have been laid off since then, that means test isn’t going to reflect your current situation accurately.

Another reason to delay bankruptcy is if you are anticipating an upcoming major debt. New debt isn’t allowed to be discharged once you file for bankruptcy.

So, for example, if you’re about to have a major medical surgery, you might consider waiting until it’s over to include the medical bills as part of your bankruptcy plan. Talk to a professional to see the eligibility requirements. Luxury items charged right before a bankruptcy filing, for example, likely won’t be included as part of your debt discharge.

Changes in Bankruptcy Law

Before getting started, it’s important to note the changes that went into effect in 2005 under the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). While the changes don’t affect some people applying for bankruptcy, they may affect others.

Federal bankruptcy laws require mandatory credit counseling to make sure you fully understand the consequences of declaring bankruptcy. It also created stricter eligibility requirements for Chapter 7 bankruptcies. For Chapter 13 bankruptcy filings, the law requires tax returns and proof of income.

An informed decision begins with understanding bankruptcy laws, the bankruptcy process, and what has changed. It’s essential to better understand these changes before you make any final decisions.

Filing Under Chapter 7 or Chapter 13

Understanding how bankruptcy works means understanding the process and laws related to Chapters 7 and 13 of the Bankruptcy Code. Depending on the details of your situation, you might be eligible to file under Chapter 7 or Chapter 13. Which route you choose has a lot to do with your income and what assets you want to keep.

Your debts can either be resolved quickly or over a several-year period. It’s helpful to read up on in-depth frequently asked questions related to each route.

Calculating Chapter 7 Means

To have all your unsecured debts eliminated under Chapter 7 bankruptcy, you must qualify under the Chapter 7 means test. Using your personal information, or a basic estimate, an online calculator can help determine this for you. When filing bankruptcy, you must also fill out an appropriate form in which you enter your income, expense information, and data from the Census Bureau and IRS.

If you don’t meet the income level requirements to file for Chapter 7 bankruptcy, you can still file for Chapter 13. A Chapter 13 will settle many of your debts after you successfully complete a three to five-year repayment program.

Qualifying and Qualifying Debts

Your debts qualify for bankruptcy relief when you can prove you are unable to pay them, but a great deal depends on your situation and which chapter you are filing bankruptcy under. Debts can be either unsecured or secured. Secured debts include mortgages, cars, and debts related to a property you’re still paying for.

Unsecured debts include credit card debt, bills, collections, judgments, and unsecured loans. It’s important to know which debts qualify for bankruptcy. But, it’s even more important to know whether your situation makes you eligible for this major step. To determine this, a full financial assessment is necessary. You can start by reading more about debts that qualify.

Defaulting on a Student Loan

If you have defaulted on a student loan, there are several options open to you. Bankruptcy is one of them, but if your goal is to have a student loan discharged under Chapter 7, this can be very difficult.

Nevertheless, taking certain steps as soon as possible can help prevent wage garnishment. Knowing your options can help you make the best choice before matters become more difficult. Under Chapter 13, your defaulted loan can be consolidated with your other bills. This will give you a better payment plan or a temporary reprieve from making payments.

If you have a federal student loan, check out your repayment options, especially if you are facing financial hardship. Otherwise, read more to figure out how to pull yourself out of student loan default.

What Assets You Can Keep During Bankruptcy

Depending on how you file for bankruptcy, there are certain assets you can keep. Different states have different exemptions, and in certain states, you can choose between state and federal bankruptcy exemptions.

If you need to have debts discharged, are out of work, and cannot afford a repayment plan, some assets might be lost. In most cases, however, people who declare bankruptcy can keep their homes and cars and much of what they own while they repay their debts under a modified plan. It all depends on your unique circumstances and how you file.

Get a FREE Credit Evaluation Before You File Bankruptcy

A bankruptcy can affect your credit for 7 to 10 years and should be considered a last resort option when all other options have failed. Many times, people file bankruptcy when it is completely unnecessary. A credit professional can help you fix your credit and deal with your creditors so you can avoid filing for bankruptcy.

Before filing bankruptcy, talk to a credit specialist:

Visit the website and fill out the form for a free credit consultation with a professional credit repair company.

Source: crediful.com

Apache is functioning normally

Whether you’re a minimalist to the core or simply like things neat, a minimalist desk setup offers incredible advantages on the mental and material plane. Minimalist principles are, in essence, about conscious decision-making and living a purpose-driven life.

It’s understanding what resonates with you on a very personal level, what brings more beauty and joy to your life and what is just taking up space. As The Minimalists eloquently state, “Minimalists search for happiness not through things, but through life itself.”

Your workstation is the perfect backdrop for embracing this philosophy. After all, do you really need 25 different writing utensils, three notebooks, every-color-in-the-rainbow sticky notes and pictures of friends you last saw in high school? Yes? If they bring you joy, then keep them, by all means!

Once you’ve decluttered, cleaned and streamlined, you can create a space for the things that matter the most. And, in the process, you’ll not only clean your desk but your mind as well.

Let’s explore the neuroscience behind having a clean desk and the 15 minimalist desk setup ideas to help you get there.

Clearing your workstation — clearing your mind

Numerous studies in Harvard Business Review confirm what you innately know: clutter affects your productivity while increasing stress and anxiety. How many times have you wasted precious minutes searching for a document in a pile of papers, growing increasingly agitated? As a human, probably many. Life gets busy, and cleaning the desk gets buried in the pile of the many “to-do’s.”

These studies also prove clutter’s negative effect on the ability to focus, distracting you from your best intentions. It can even increase the tendency to snack on junk food. With that in mind, let’s tackle your desk and create a minimalist desk setup one step at a time.

1. Get a fresh start

To create a desk that leaves you inspired, you need to start with a fresh, clean slate. Remove everything and put it in a box or two. If you need more than two boxes, well, we’ll discuss that later.

2. Choose the right desk

For some, creating a minimalist desk setup may require a new desk. Fortunately, today’s designs offer simple solutions that can replace big, bulky and uninspiring models. Consider wall-mounted desks that free up space while creating a clean, uncluttered look. Some even double as bookshelves or fold down from the wall for optimum aesthetics.

A simple desk with room for a set of drawers or filing cabinets underneath gives you the space you need to keep your desktop clean and clear.

3. Approaching the minimalist mindset for desk setups

Before indulging in the dividers and shelves that can help you maintain order, it’s time to inspect your belongings. If you’re a “things” person, this activity can be a little challenging. Put on some soft jazz or music with nature sounds and get into your Zen zone. Then, put each item you pick up into a keep, toss or give-away pile.

Remember, the minimalist mindset is based on the theory that “less is more.” Everything you own either serves a purpose or contributes to your peace of mind. Imagine every item you let go of reducing stress, increasing productivity and enhancing your life. Ask questions like, “Do I need this? Does it add beauty? Does it bring joy? “

Do you know that some minimalists have paired down their belongings to less than 100 items? That’s everything — clothes, shoes, furniture and pens. Hard to imagine, right?

4. Stick on an under-desk drawer

Drawers are extremely helpful in maintaining a clutter-free desk zone. If you don’t have drawers, a simple solution is self-adhesive under-desk drawers. Add drawer organizers to ensure every item has a place to call home.

The idea is to keep as much as possible off your desk. A minimalist desk setup typically consists of your computer, a lamp and maybe a picture or plant. Pairing down to that level makes you look at each item you own through the lens of value and love.

5. Do away with wires

Wires have no place in a minimalist desk setup. Fortunately, we live in a wireless world! Consider getting a wireless mouse and keyboard. If some wires must remain, a cable management tray or backside wire organizer can help keep your desk and floor uncluttered.

6. Create space with a desk organizer

For some people, opening a drawer whenever they need a pen, scissors or notepad can suck the joy right out of their clutter-free desk. If you can relate, a desk organizer adds a little more “stuff” to your desktop but puts everything you use every day in easy reach.

These hold your essentials, with some including a special place for your smartphone. You can also select organizers that align with your design, whether made out of mesh, wood or bamboo.

7. Use understated design elements

Some minimalists consider an all-white color scheme the best approach. However, neutral colors can bring the natural world indoors and add a nice design element. Ideally, keep the color palette monochromatic with varying shades of the same hue. Colors to consider include natural wood tones, blue, gray, taupe and soft green.

From desks to storage cabinets, a minimalist desk setup considers natural materials, a simple design and straight lines.

8. Go paper free

Going paperless is one of the best ways to achieve a minimalist desk setup. And thanks to today’s digital world, it’s possible! Receipt and paper scanners let you store important documents on your computer, backing them up to an external drive or cloud storage service. Note-taking apps rid your space of Post-it notes, and digital to-do lists keep your life organized.

9. Optimize light

The right lighting improves productivity and enhances your workspace. Adjustable task lighting is ideal for your desk, illuminating the activity at hand. Consider LED desk lamps with a swing arm and adjustable temperature and brightness settings. The most important consideration? Make sure you love it.

10. Add life to your minimalist setup

One or two plants add life and beauty to your space. We care for them, and, in turn, they care for us. Numerous studies show their many health benefits include improving air quality, increasing feelings of well-being, reducing stress and improving concentration. Plants shown to improve the air include spider plants, Boston ferns and bamboo palms.

11. Enjoy an artistic touch

One breathtaking painting or beautiful nature scene can refresh your senses and improve your mental outlook. From a tropical waterfall to endless waves or mountain peaks, choose an image that inspires you.

12. Add a cabinet

We know minimalism is more about subtracting than adding. However, to keep things off your desk requires a place to put them. Not all of us can pair down to 100 items! A small, streamlined upper cabinet with two or three shelves creates a space for books, journals, inspiring quotes and photos.

You can ensure it blends in with your design by choosing bamboo, wood or metal units and sticking to the same color scheme. You can even use wire shelves for an industrial look. Consider ones with doors if you want to retain the ultimate minimalist decor.

13. Hang a shelf above your desk

One simple shelf above your desk gives you the space you need to keep everything off your desk. This solution is ideal for smaller desks and if you have a creative muse who enjoys vision boards, writing and drawing. In one quick maneuver, the few items on your desk can transfer to the shelf, giving you the space to create.

14. Install a vertical shelving unit

A thin vertical shelving unit tucked next to the desk in a corner wall offers a space for color-coordinated baskets, a few books and a plant. Choose square wicker baskets that slide right into the shelf and look like they belong.

These can hold your current projects in organized files for easy access. Consider placing a philodendron plant on the top shelf, letting it cascade down, bringing a touch of greenery.

15. Sit comfortably

While standup desks are growing in popularity, thanks to the phrase, “Sitting is as bad as smoking,” many people still prefer to sit at their desks. Minimalist desk chairs follow the monochromatic rule and blend in with your chosen design. They are also simple (instead of big and bulky), comfortable and ergonomically designed. Popular options include those with wooden legs.

The minimalist approach to desk design

Minimalism is all about functionality. It’s ridding yourself of chaos and embracing a simpler lifestyle where everything has a purpose and a place. Start with decluttering, then use these tips and tools to create a minimalist desk setup. Who knows? Your entire apartment may become a minimalist zone.

Still looking for a rental space to optimize your work and life? Take a look at our available apartments for rent.

Source: apartmentguide.com

Apache is functioning normally

Apache is functioning normally

Michael Jackson may resort to performing in Las Vegas in a bid to raise money in order to repay the mortgage on his Neverland Estate, the Wall Street Journal reported.

Per the article, private equity group Colony Capital purchased his overdue home loan back in May that was creeping closer and closer towards foreclosure, but now they need to figure out a way for him to start paying the debt back.

And it just so happens that Colony Capital owns the Las Vegas Hilton, a possible new venue for the former king of pop, and is apparently considering a long-term engagement as one of a number of options to repay the $23 million in debt.

However, given Jackson’s reclusive lifestyle and his recent shoddy performances, if you can call them that, a long term engagement would likely be too much for him to handle.

So instead, a show based upon his music may be an alternative (like the Beatle’s Cirque du Soleil Love show), although under that plan he could still potentially make 20 to 30 appearances a year as well.

Colony Capital has also urged Jackson to ditch his Neverland Ranch digs as soon as possible, which they strongly feel associates him with his PR-shattering molestation charges of years past.

Additionally, the company reportedly wants Michael to do a talk show, such as Oprah, to clean up his image before moving forward, and if all goes well, we could see a “Thriller Casino” in the future as well.

Jackson currently lives 60 miles outside Las Vegas in the city of Pahrump, Nevada with his three children, making some kind of Vegas comeback show an even stronger possibility.

(photo: ivi)

Source: thetruthaboutmortgage.com

Apache is functioning normally

Apache is functioning normally

Flexibility can be a real asset in a career. Maybe you’re young and figuring out your post-graduation path. Or you’re busy balancing the demands of running a home and caring for a family. Or you’re an athlete who needs plenty of time for training and recovery.

There are lots of flexible-schedule jobs out there, if you know where to look. Let’s check out some part-time jobs with flexible schedules.

What It Means for a Job to Have a Flexible Schedule

Whether you’re in college or caring for children or pursuing an unpaid passion, there are many reasons why someone would want some flexibility in their career.

But what does a flexible schedule mean exactly? According to the U.S. Department of Labor, a flexible schedule is one that allows people to work outside traditional 9 to 5 office hours. Aside from that, situations vary depending on the role and employer.

Workers may be able to choose the time they arrive at and depart work, for instance. With certain flexible work policies, employees still have to work a set number of hours per pay period or be available during a daily “core time.” So while the employee may not have to show up at 9am on the dot and leave at exactly 5pm, they may need to at least show up by 11am and stay until after 3pm. However, this type of shortened schedule could work for many people, including parents who are self-employed.
💡 Quick Tip: We love a good spreadsheet, but not everyone feels the same. An online budget planner can give you the same insight into your budgeting and spending at a glance, without the extra effort.

Tips for Finding a Flexible Part-time Job in 2023

Flexible part-time jobs can be logistical, analytical, creative, or involve a skilled trade. When it comes time to search for flexible-schedule jobs, keep in mind these tips.

•   Stay focused. Job applicants who know what they’re looking for and what they can offer an employer can plan a more effective job search. If someone knows they have to have a flexible part-time schedule in order to accept a job, they can save a lot of time and energy by only applying for jobs that offer that. Trying to convince an employer to change their staffing plans is an uphill battle.

•   Prepare to hear No. Know that it will take a while to find the right fit, and that rejection is a normal part of any job search. Psychologically preparing yourself can help you persevere until the right job comes along.

•   Don’t be a square peg. If a flexible part-time schedule is what matters most, you may need to be flexible yourself in other areas. For example, accept that you may need to compromise on title, salary, or industry. Giving up the highest-paying job for one with a more relaxed schedule can be worth it.

•   Go remote. Work-from-home jobs with flexible schedules can often be easier to find than on-site jobs that have flexible schedules. When reviewing online job boards, look for flexible schedule remote jobs.

Recommended: Does Net Worth Include Home Equity?

Why It Can Be Difficult to Find Part-time Jobs With Flexible Schedules

It can be difficult to find flexible-schedule part-time jobs because many jobs require being in a certain location at a certain time. For example, a hairstylist has to show up for work when they have appointments scheduled. A restaurant has to know they have enough servers on hand during operating hours. Even a corporate job where some work can be done remotely and independently can require being online during set times so that it’s easy to communicate with coworkers.

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Great Part-Time Jobs With Flexible Schedules

Perhaps someone wants to take on a second job to help them pay down their debt or save for a dream vacation. Whatever the reason, it’s easy to see the appeal of a part-time job with a flexible schedule.

While there are countless part-time jobs on the market that can suit a variety of workers’ desired schedules, these are some of the best flexible schedule jobs for Gen Zers and Millennials. And if you’re in college, don’t miss our list of the best on-campus jobs.

1. Landscaper and Groundskeeper

Average hourly wage: $17.39

Job description: Landscapers and groundskeepers typically set their own schedules and plan which days they’ll tend to a client’s yard, but they don’t have to tell them exactly what hour they’ll show up to do their work.

Requirements: In some areas a license may be required to use pesticides and fertilizers.

Schedule flexibility: 4

Duties:

•   Mowing lawns

•   Removing weeds

•   Planting and maintaining flowers, bushes, and trees

2. Recreation and Fitness Worker

Average hourly wage: $22

Job description: Running a fitness or recreation class can be fun and rewarding work that is often performed on a part-time basis. Many instructors can choose when they host their classes (like when their young child is in school), but they do have to stick to those times.

Requirements: Licensing or background checks may be required.

Schedule flexibility: 4

Duties:

•   Plan programming

•   Run classes

•   Clean up post-class

3. Freelance Software Developer

Average hourly wage: $37

Job description: Many businesses hire freelance software developers to create computer programs and applications for business or consumer use. Some meetings during business hours may be required.

Requirements: Knowledge of select programming languages.

Schedule flexibility: 4

Duties:

•   Write code

•   Test code

•   Meet with project stakeholders

4. Virtual Assistant

Average hourly wage: $34

Job description: Plenty of professionals can’t afford or don’t need a full-time assistant. Instead, they hire virtual assistants who can tackle administrative work for a few hours a week. Virtual assistance can be a rewarding job for introverts who are conscientious and organized.

Requirements: Office skills

Schedule flexibility: 4

Duties:

•   Scheduling meetings

•   Managing clients’ inbox

•   Helping with administrative work

5. Freelance Copywriter

Average hourly wage: $28

Job description: A writer can work with many different brands as a freelance copywriter and can choose when they want to take on new projects and what hours of the week they work on them. Working as a freelance copywriter is also a great side hustle.

Requirements: Bachelor’s degree and industry experience

Schedule flexibility: 5

Duties:

•   Research

•   Writing copy

•   Editing copy

6. Freelance Web Designer

Average hourly wage: $35

Job description: Freelance web designers work independently designing websites for a variety of clients, instead of a full-time job. Work-from-home web design can be a well-paying and fulfilling job for antisocial people.

Requirements: Knowledge of design programs, and HTML and CSS programing languages.

Schedule flexibility: 3

Duties:

•   Design web pages and sites

•   Code designs

•   Present to clients and incorporate feedback

7. Freelance Editor

Average hourly wage: $31

Job description: Similar to copywriters, editors can work freelance for multiple clients.

Requirements: Bachelor’s degree and industry experience

Schedule flexibility: 4

Duties:

•   Nurturing writers

•   Editing copy

•   Publishing content

8. Business Consultant

Average hourly wage: $37

Job description: A business consultant can offer services to multiple businesses who need support as a whole or who are looking to improve a certain area of their business, such as their marketing efforts, operations, or HR.

Requirements: Bachelor’s degree, master’s degree (more advantageous), or a certification from a business consultant association.

Schedule flexibility: 3

Duties:

•   Assess potential areas of improvement

•   Create improvement plans

•   Find ways to cut costs

💡 Quick Tip: Income, expenses, and life circumstances can change. Consider reviewing your budget a few times a year and making any adjustments if needed.

The Takeaway

There are plenty of great flexible-schedule jobs that millennials and Gen Zers can pursue to give them the time they need to attend school, start a business, or take care of young children. Some remote freelance roles can be entirely flexible — such as web designers, writers and editors — while other jobs require your presence during certain core hours.

Choose whether you prefer a more physically demanding job — such as landscaper or fitness worker — or an office job that requires a laptop (like virtual assistant). It may take time to find the right position, so be patient. It’s also a good idea to keep an eye on how your money comes and goes to ensure you’re sticking to your savings goals.

Take control of your finances with the SoFi Insights money tracker app. Connect all of your accounts in one convenient dashboard. From there, you can see your various balances, spending breakdowns, and credit score. Plus you can easily set up budgets and discover valuable financial insights — all at no cost.

SoFi helps you stay on top of your finances.

FAQ

What part-time job has the most flexible hours?

There is no single part-time job that has the most flexible hours. That said, jobs where work can be done independently and remotely usually have the most flexibility. Jobs like working as a freelance writer or graphic designer are good examples of jobs someone can usually do during times that work well for them.

What job gives you the most free time?

Flexible-schedule work-from-home jobs can give workers the most free time because they don’t have to worry about a commute. It’s also usually easier to control your work schedule when you work from home. As a bonus, you can use your breaks to be productive — by tackling household chores or working out — or enjoy down time.

What jobs can I make my own hours?

Some jobs with flexible schedules allow workers to set their own hours. The key is to look for a job where the hours someone works doesn’t matter as much as the type of work they produce.

Photo credit: iStock/Eva-Katalin

SoFi’s Insights tool offers users the ability to connect both in-house accounts and external accounts using Plaid, Inc’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score provided to you is a Vantage Score® based on TransUnion™ (the “Processing Agent”) data.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com

Apache is functioning normally

Apache is functioning normally

Larger than life and usually bold in color, mural walls could not get any more popular than they are today. In fact, it seems like most cities across the country have beautiful murals popping up around every corner.

Take a look at 10 cities in the U.S. making a splash with tourists and locals alike for their beautiful murals right now — some of these locations may even surprise you.

In the city of Atlanta, you will find over 70 streets named “Peachtree” and more than 1,000 beautiful murals. It doesn’t matter what neighborhood you’re in here — you’re almost guaranteed to run into a “Peachtree” street and an inspired mural. It’s the Atlanta way.

The Eastside Trail of the Atlanta Beltline is a must-see. Plan to walk the 3.1 trail — it’s the largest art and sculpture park in the southeastern U.S. Afterwards, swing by Atlanta’s Cabbagetown neighborhood to explore the Krog Street Graffiti tunnel and the outdoor mural gallery along Wylie St.

From there, head to Edgewood Avenue, where you’ll cover both the Old Fourth Ward neighborhood and the historic Sweet Auburn neighborhood. Sweet Auburn is where the famous John Lewis mural is.

If you want to snap a selfie with Atlanta’s Big Boi and Andre 3000, head to Little Five Points and check out the towering mural of the iconic Outkast behind Wish Gallery.

Baltimore really lives up to its nickname, “Charm City” — especially when it comes to the public art lining its seaport city streets.

Home to more than 250 beautiful murals, Baltimore has curated an outdoor public museum for residents and tourists to marvel over. If you’re visiting, make sure you head to the charming neighborhoods of Hampden and Remington to check out their diverse and colorful murals. East and West Baltimore and Station North neighborhoods are must-sees too.

Also, if you are looking to leave your own mark on this Maryland city, pick up a can or two of spray paint and head to Graffiti Alley. Located off North Ave and Howard St. in Station North, Graffiti Alley is a safe space for artists to express themselves legally. In fact, Graffiti Alley saves the City of Baltimore over $300,000 a year on graffiti clean-up.

Home to more than 180 breathtaking murals, Cincinnati is a haven for artists and art lovers alike.

Thanks to its impressive local community art organization, ArtWorks — over 200 murals in over 36 neighborhoods turn the city into a public art gallery. In addition to all the beautiful murals in the Queen City, ArtWorks collaborates with youth apprentices and professional artists to create functional sculptures around the city streets like bike racks.

Looking for even more artistic inspiration in this colorful metropolitan area? Head to the numerous art museums like the Cincinnati Art Museum, the Contemporary Arts Center or the Taft Museum of Art.

Typically, the first thing that comes to mind about the city of Detroit is its deep ties to the auto industry — this is how it developed its nickname “Motor City,” after all. However, modern-day Detroit is a canvas for public art — inspired by the artists that continue flocking to this Midwestern city.

Just like with the auto industry, Detroit also has deep roots in murals. In fact, in 1932, the Detroit Institute of Art commissioned Diego Rivera to paint murals on the D.I.A.’s Garden Court.

If you’re looking to see what Detroit street art has to offer today, make sure you visit Eastern Market and the two-mile, below-street level greenway Dequindre Cut. Also, the Z Parking Garage has 130 murals — making it a must-see. And don’t forget to get lost in adventure on the Grand River Creative Corridor — there are 100 murals and exhibits to explore!

There’s also the Murals in the Market festival, an annual event where local, national and international artists come to Detroit and paint their breathtaking murals in Detroit’s most beloved farmers market area.

Nestled between Waikiki and downtown Honolulu is one of Hawaii’s most beloved neighborhoods — Kakaako. With beautiful murals decking the walls of this industrial district, tourists and locals alike love the vibrant revitalization happening in this Oahu neighborhood.

Since 2011, the Kakaako neighborhood is home to the Pow! Wow! street art festival. Each year, hundreds of local and international artists flock to Oahu to create and collaborate on murals. The Pow! Wow! Street festival also offers art exhibitions, concerts, live art installations, artist lectures and creative community spaces.

Thanks to this festival, there are more than 100 awe-inspiring murals to see in Kakaako. Make a day out of it on a self-guided street art tour or opt for one of the many guided art tours to immerse yourself in the story of how art revitalized this neighborhood.

If you’re looking for a city that truly appreciates the arts, look no further than Nashville. Formally known as “Music City” because it’s also the “Songwriting Capital of the World,” Nashville is making its mark in a new way and it’s quickly turning into one of the most Instagrammable cities in America — thanks to its beautiful murals and creative street art installations.

In comparison to other cities on this list, Nashville excels at using any and all spaces as a canvas. In fact, who needs a wall when there’s a water tank or old silo to paint? Prepare to find yourself impressed once you see just how creative Nashville gets with some of its murals.

To get an immersive experience of the Nashville mural scene, make sure you head to The Gulch, 8th Avenue & Melrose, the Charlotte Corridor, West End and Elliston Place and East Nashville. If your cowboy boots are up for more walking, head to the Frist Art Museum. Located in the city’s historic U.S. Post Office building, which is on the National Register of Historic Places, the Frist is an important cultural hub in the art community here!

Home of Gritty (the official mascot for the Philadelphia Flyer’s National Hockey League Team), cheesesteaks, Rocky and the Liberty Bell, Philadelphia already lives up to its reputation as the “City of Brotherly Love.”

However, thanks to its long history of supporting public art endeavors, Philadelphia is now one of the most renowned art cities in the world, earning it another well-warranted nickname — the “Mural Capital of the World.”

Since 1984, Mural Arts Philadelphia has helped produce more than 4,000 works of community-based public art in Philadelphia and the organization is now the nation’s largest public art program. Because of this city-wide commitment to beautiful murals and street art, Philadelphia as a whole is a living, breathing art gallery that its residents and tourists can experience around every neighborhood.

When you think about Oklahoma City, public art is probably not the first thing that comes to mind — but it should. Oklahoma City’s mural scene has exploded, completely turning the city into an outdoor art gallery that’s aesthetically hard to top!

First off, make sure you head to the Plaza District. This area is home to Plaza Walls — a curated, rotating mural project produced by The Oklahoma Mural Syndicate. Since its launch in 2015, the Plaza Walls has become the top attraction in the district (and rightfully so).

Besides visiting the Plaza District, make sure you wear your most comfortable walking shoes and stroll the Western Avenue corridor for highly Instagrammable murals alongside eclectic restaurants and bars, retail shops and boutiques and, of course, art galleries. Oh, and don’t forget the tourist-friendly area of Bricktown — there are murals aplenty to explore here, too!

Along the Nevada-California border is “The Biggest Little City in the World” — Reno, NV. Although small in size, Reno boasts a lively arts scene heavily influenced by the Burning Man festival.

Currently, the Downtown and Midtown districts of Reno feature over 100 murals. Painted by local, national and international artists — these beautiful murals add color to Reno’s high-desert landscape. There’s even an annual 24-hour Mural Marathon competition held on the side of one of Reno’s most beloved casinos, Circus Circus.

Art installations and sculptures also pop up in Reno, taking street art to a new level. Check out the sculpture garden in Bicentennial Park or head to Reno’s Neon Line District to check out Burning Man sculptures. And, of course, make sure you do an art walk through the curated collection of regularly rotating installations throughout Victorian Square in Sparks, NV — only eight minutes from the heart of Reno.

With more than 150 murals, it’s no surprise that the capital city of the Commonwealth of Virginia, Richmond, is an art-loving community.

Nestled right along the James River, Richmond is home to murals from local, national and international artists. In fact, thanks to the street art explosion in the “River City,” tourism has even increased! It’s no surprise, though — who wouldn’t want to snap a selfie or two in front of larger-than-life murals?

To get the full mural experience in Richmond, make sure to explore the Riverfront Canal Walk. It’s an outdoor art gallery with plenty of gigantic murals (we’re talking 18′ x 32′ murals) to admire. The Riverfront Canal Walk area is significant for Richmond and its street art history — the inaugural RVA Street Art Festival started here in 2012.

Additionally, while you’ll find murals all over Richmond — plan to explore Carytown, Northside and Southside.  Shockoe, Church Hill, Downtown, Monroe Ward, and Oregon Hill are must-see spots too. The Fan and the Museum District both offer even more dazzling “I have to take a picture of this” street art moments.

Appreciate the art

All of these cities wouldn’t be as colorful as they are today without the artists behind the murals and street art. So, whether you’re on vacation or just snapping a selfie in front of the new mural in your artsy neighborhood, take a moment to appreciate the hard work, creativity and artistry in front of you.

Also, if you post a photo of the mural on social media, remember to tag the artist. Many artists tag their social media handles on their work somewhere, so keep an eye out for that. Think of this gesture as a thank you for the free art experience!

Charlsie Niemiec has spent the last 10 years working as a content marketing and social media editor and strategist. With in-house experience ranging from The Elf on the Shelf to CNN to Piedmont Healthcare, Charlsie has freelanced for the last four years with clients ranging from ESPN to the Atlanta Beltline. When she’s not copyediting or scrolling on Twitter, she is walking her very scruffy wirehaired terriers mixes Leonard and Biscuit or probably watering one of her 54 houseplants.

Source: rent.com

Apache is functioning normally

Apache is functioning normally

A harmonious blend of form and function.

Among the various decorating trends; like maximalism, mid-century modern and bohemian, one stands out and even influences others. Scandinavian decor, as seen at your local IKEA, is characterized by a combination of simplicity, functionality and a strong emphasis on natural elements. With its growing popularity and increasing influence on minimalism, Scandinavian decor is a worthwhile deep dive for those design enthusiasts in search of a crisp and clean functional space.

Popular for its practicality and functionality, this Nordic-design style curates calm yet creative spaces perfect for entertaining, working and living. When navigating the design world, whether you’re an aficionado or a first-time renter, everything you ever wanted to know can be found within Scandinavian decor, without an airline ticket or an interior designer.

What is the Scandinavian decor style?

This interior design style originated in the Nordic countries of Denmark, Norway, Sweden and Finland. The Industrial Revolution led to significant changes in society which saw a transition from handmade goods to mass production. In response to this, Scandinavian designers began to emphasize quality craftsmanship and simple, functional designs.

The style gained international recognition and popularity in the mid-20th century, specifically the 1950s and 1960s. This period is often referred to as the “Golden Age” of Scandinavian design which emerged alongside the mid-century modern movement.

Scandinavian modern style, during this time, prioritized affordable yet sleek furnishings and interiors through clean lines, functional furniture and a neutral color palette. Influential designers like Arne Jacobsen, Greta Grossman and Hans J. Wegner created iconic pieces that are still celebrated today.

Defining features of Scandinavian decor

While it’s easy to envision what your last trip to IKEA was like, Scandinavian interiors are much more than simple furnishings and clean designs.

  • Emphasis on minimalism: Minimalism and Scandinavian decor walk hand-in-hand in the design world. The minimalist philosophy of “less is more” lends itself well to the simple, functional and intentional pieces found in Scandinavian decorated spaces.
  • Neutral and light color palette: A predominantly white or light color scheme is a hallmark of Scandinavian decor. White walls and ceilings are often complemented by soft, neutral colors like light gray, beige or pale pastels in furnishings. This light color palette helps maximize the natural light in the space, especially during the long, dark winters in Scandinavia.
  • Natural material usage: Scandinavian decor emphasizes the natural beauty found in nature and natural materials. Materials like wood, stone and leather are commonly used for furniture and flooring. These materials add texture and visual interest to Scandinavian spaces.
  • Functional furniture and lighting: As IKEA has shown, Scandinavian design is about dual functionality with style. Furniture that serves a dual purpose of practicality and flair.
  • Focus on sustainability: Nordic countries have a strong focus on sustainability, which carries over into their design choices. Think of eco-friendly materials that are made of reusable materials like recycled wood.

Bringing Scandinavian style into your home

Finding the perfect Nordic-inspired pieces may seem challenging. We’ve compiled some of our favorite pics to get you started on your dive into Scandinavia.

This modern accent chair

Source: Amazon

The unique shape, texture and neutral color of this accent chair make it the perfect addition to your living room. Available in two sizes, this modern furniture piece is sure to fit into a current design scheme while bringing a visual interest and cozy vibe to the space.

This bright linen lamp

Source: Amazon

Scandinavian decor harps on the usage of natural materials. This linen lamp mixes soft linen with sleek natural wood to create a great addition to your bedside table, office desk or bookshelf.

Not to mention, bright light is also encouraged in Scandinavian decor to break apart the monotony of a neutral color palette and brighten up the space. This lamp does just that with the click of a button.

The dining chairs that blend neutrality with texture

Source: Amazon

Dining chairs, while not considered large pieces of furniture, are unique ways to incorporate design styles into your dining room or kitchen area. These modern chairs are unique in the sense that they incorporate the natural texture of leather webbing. These unique chairs are sure to be a conversation starter at your next dinner party.

This functional and stylish coffee table

Source: Amazon

Functional furnishings are a hallmark of Scandinavian spaces. This coffee table with an extra storage level serves as not only a place to hold your morning cup of joe but also a convenient spot to tuck away your favorite books, magazines or remote controls, promoting a clutter-free and organized living area.

This visually interesting wall art set

Source: Amazon

Can you count all of the clean lines created in this wall art set? The lines are truly endless, earning it the stamp of Scandinavian decor approval. The black and white geometric patterns within this set add some vibrancy to the neutral and modern space, making it a fantastic addition to your wall space.

Your sleek Scandinavian space awaits

Combining minimalist with functionality creates an intentional space that feels clean and sleek, which is a great place to start on your journey with design. Scandinavian interior design not only fosters a sense of serenity but also encourages an appreciation for the beauty of simplicity. Embrace the Scandinavian decor ideas to transform your living space into a sanctuary of both aesthetics and purpose.

Still looking for that perfect space to curate your Nordic design dream? Find the perfect place in one of our available apartments for rent.

Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.

Source: rent.com

Apache is functioning normally

Apache is functioning normally

So, you’ve decided it’s time for you and your dog to move. You do your research, choose your preferred neighborhood and take the time to come up with several options for apartments you’d like to see. You set up viewings, find the perfect place and send in an application.

But if you’ll be renting with a dog, did you remember to check for breed restrictions? Some apartment communities have a list of restricted dog breeds — and may exercise restraint when it comes to “aggressive” dog breeds in particular.

If your dog is not accepted in your target apartment community, your application may get rejected even if you have good credit and income to cover the rent.

Before you begin the process of finding a new home — it’s important to understand what breed restrictions are and how they can impact your ability to rent with a dog when facing apartment breed restrictions.

What are apartment breed restrictions?

Breed restrictions are just what they sound like: Certain dog breeds and their mixes are not permitted to live in certain buildings, houses and apartments. That means that even if Fido is a mutt — he may not make the cut, depending on the various dog breeds in his mix.

Breed restrictions came about to protect people from what some consider “dangerous” or aggressive dog breeds — especially pit bulls. In other words, if dogs that are commonly associated with aggression aren’t allowed in, there’s likely less chance of attacks or dog bites within the apartment community.

If you’re unsure of your dog’s breed, get a DNA test done! It is tough to identify a breed or breed mix visually.

Dog breed restrictions by weight or age

Another common factor in breed restrictions is the weight and age of your dog. Because apartments are usually smaller than homes and condos, property managers may not want a large dog on-site. Often, renters are only allowed to have smaller breeds.

Age is another factor because puppies often are hyper and destructive, making landlords wary that they’ll tear up the apartment.

Why do apartments have breed restrictions?

There are three reasons dogs may face restrictions living in an apartment building:

  1. Legislation: Some cities and counties have enacted breed-specific legislation that can ban certain breeds from even entering the city or county limits
  2. Insurance companies: Many insurance companies have blacklists that the buildings or apartments they insure must abide by
  3. Landlord’s choice: Breed restrictions are the decision of the building’s landlord or management company

Commonly restricted dog breeds

Each apartment community will probably maintain its own list of specific breed restrictions, but here’s a look at the most common aggressive dog breeds:

  • Akitas
  • Alaskan Malamutes
  • Bulldogs
  • Cane Corso
  • Chows
  • Doberman Pinschers
  • German Shepherds
  • Great Danes
  • Mastiffs
  • Pit bulls
  • Rottweilers
  • Siberian Huskies
  • Terriers
  • Wolf hybrids

Mixes of these breeds may also be restricted in some communities. Check with the property manager or leasing agent if you have any questions.

Are apartment breed restrictions legal?

Many activists, as well as some high-level animal organizations (including the American Society for the Prevention of Cruelty to Animals), are completely against breed restrictions for several reasons.

Consider this: Has Fido ever attacked another animal or human or acted aggressively above and beyond what’s normal for dogs? If not, why should he be restricted just because other dogs of the same breed have shown aggression?

Basically, many animal organizations agree that aggressive behavior in a dog is much more about nurture than nature — it all depends on how the animal grows up and how it responds to training. Plus, many believe that breed restrictions simply don’t work to lessen the chances of dog attacks or bites.

Unfortunately, breed restrictions have increased the number of homeless dogs — sometimes, owners simply set the dog loose or bring it to an animal shelter rather than trying to find an apartment that accepts all breeds.

What can I do if my dog is on a list of apartment breed restrictions?

Breed-specific restrictions have been slowly decreasing — great for loving dog owners like you! However, that doesn’t necessarily mean that insurance companies or landlords are going to change their minds.

If Fido is not welcome off the bat, there are a couple of things you still might be able to do to persuade your landlord into giving your beloved fur baby a chance.

1. Request a pet interview

If the breed restrictions are in place by a landlord (not an insurance company), there’s still hope! Ask the landlord if he or she is willing to do a doggie interview during which he or she can meet and interact with Fido.

If the building has an area for dogs to roam, ask if you can hold the interview there. That way, the landlord will be able to see Fido has no aggressive tendencies toward dogs or people. Create some talking points to guide the interview in the right direction.

Talk about your pet being part of the family — especially the role they play as a family member. Discuss your understanding and good track record of keeping your past properties clean and well-maintained, despite your dog(s). Offer additional money on your non-refundable pet deposit.

2. Create dog resumes

Next time you apply for an apartment, come prepared. Put together a pet resume for Fido with pictures, vet records and any other information you have. You can even bring along a video to show the landlord. Who will be able to resist those puppy dog eyes?

Apartment Guide has a simple tool that will let you build a printable pet resume for your animals.

3. Provide references

Your future landlord might not always want to meet your pet right off the bat, especially if they have a fear related to aggressive dog breeds. If this is the case, ask your vet, groomer, pet sitter/boarding facility or friends and family to write letters of reference for your furry friend.

4. Gather vet records

Gather up and provide proof of your pet’s medical records (i.e. vaccinations, Rabies shots, tag registration, etc.)

5. Create a video

Make a video of your pet showing it as a part of your family. If possible, try to include shots of interactions with children, other pets and elderly people. This might build trust between your potential landlord and your pet.

6. Offer to pay pet rent

We’ve all heard the expression that “money talks.” You might be able to offer your landlord a little more security with the promise of extra monthly rent for Fido.

7. Secure renters insurance

Many landlords will want you to have your own kind of Renters’ Insurance regardless of your pets, but in this case, try taking it a step further. Offer to secure a policy that covers your pets and has a liability policy that covers them of $300,000 — listing the landlord as an additional insured member.

Additional animal restrictions

Thinking about becoming the next Tiger King? Great! Just check with your landlord or state first.

Often, pets other than dogs face restrictions, too. Any animal from hedgehogs and ferrets to zebras or certain snakes may not find itself welcome.

Pet owners should take restricted breeds seriously

It might be tempting to lie on your application about your pets, but lying is the worst thing you can do. If a landlord discovers you’ve been dishonest about your pet(s), they can potentially evict you — and living on the street is not an option.

Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.

Source: rent.com