If you’ve got a home equity line of credit (HELOC), payment relief may finally be here.
The Fed is expected to “pivot” today, meaning they’ll shift from a tightening monetary policy to a loosening policy.
In other words, they’re going to start cutting rates instead of raising them!
While this won’t have a direct impact on long-term mortgage rates, it directly affects loans tied to the prime rate, including HELOCs.
This means your HELOC rate will go down by whatever the Fed cuts. So if they cut 25 basis points today, your HELOC rate will be adjusted down 0.25%.
Though one cut isn’t likely to provide major relief, there are expectations that this is the first cut of many, with possibly 200+ bps of cuts penciled in over the next 12 months.
So if you’ve been given the option to “lock your HELOC rate,” it’s probably best to give it a hard pass.
How HELOC Rates Are Determined
As a quick refresher, HELOCs are variable-rate loans, meaning they can adjust each month based on the prime rate.
To come with your HELOC rate, you combine the HELOC’s margin, which is fixed, and the prevailing prime rate, which moves in lockstep with the fed funds rate.
Whenever the Fed decides to raise or lower its own fed funds rate (FFF), the prime rate will also go up or down by the same amount.
Since early 2022, the Fed has raised the FFF 11 times, from near-zero to a range of 5.25% to 5.50%.
Today, they are expected to lower the FFF either 25 or 50 bps. This means banks will lower the prime rate by the same amount shortly after.
Quick note: The Fed does not control long-term mortgage rates, so their action today won’t directly impact the 30-year fixed. If they cut the 30-year fixed could actually rise today!
Anyway, let’s assume you have a margin of 2% and prime is currently 8.50%. That’s a 10.50% HELOC rate. Ouch!
But if the Fed cuts 25 bps or 50 bps today, that rate will fall to 10.25% or 10%. Okay, we’re getting somewhere.
Still not a low rate, though it’s finally not going up and in fact is coming down.
Now factor in another 200 bps of cuts and the rate is down to 8%. Sweet, that could actually result in some decent interest savings and a lower monthly payment!
What Is Locking Your HELOC Anyway?
That brings us to “locking your HELOC.” As noted, HELOCs are variable-rate loans.
But the banks will sometimes give you the opportunity to lock the interest rate in for the remainder of the loan term. This happened to my friend, who asked today if he should lock in his rate.
This only happens once you’ve had the HELOC open for a period of time and made draws on it. Not upfront, otherwise that’d simply be a fixed-rate home equity loan.
So Bank X might say hey, we know rates have been rising and there’s a lot of uncertainty out there.
If you don’t want to deal with any further adjustments, you can lock in the rate you currently have.
For those not paying attention to the Fed, this might sound like a decent idea. After all, many homeowners are risk-averse, which is why they also don’t tend to go with adjustable-rate mortgages.
And many borrowers may not have actually known that their HELOC was variable to begin with.
They could jump at the offer to lock in the rate and stop worrying. But this could actually be a terrible time to do that.
You watched helplessly as your HELOC went up and up over the past couple years. And now you’re going to lock it in, when rates are finally slated to fall?
Probably not a good idea. This would just benefit the bank, who will make a lot less if you simply do nothing and let the rate fall as prime drifts lower and lower over the next 12 months.
If you’re curious where the prime rate is expected to go, keep an eye on the fed funds rate predictions. A good place to do that is the CME website.
They’re currently predicting a prime rate that is 2.25% lower by September 17th, 2025, as seen in the table above.
In other words, if you have a HELOC set at 10% today, it might be 7.75% in 12 months. Don’t lock in the 10% rate and miss out on those savings!
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
The reverse budgeting method is an approach that prioritizes savings. Budgets typically start by looking at monthly bills and expenses and allocating whatever is left over to saving. Reverse budgeting turns this approach on its head — it considers savings first and spending second.
Also known as the “pay yourself first” method, reverse budgeting starts by allocating a certain amount of your monthly income to your savings goals (such as retirement or an emergency fund). Whatever is left over after that is how much you have to spend. Essentially, it involves pretending that your paycheck is smaller than it actually is.
If your top goal is saving or you’ve tried budgeting in the past without complete success, the reverse budget might be for you. Here’s what reverse budgeting means and how it works.
Key Points
• Reverse budgeting prioritizes savings by allocating a portion of income to savings goals first, then spending the remainder on other expenses.
• Reverse budgeting simplifies budgeting since you can focus on saving a predetermined amount and then spend the rest as needed or desired.
• The reverse budgeting method can help achieve financial goals faster and allows guilt-free spending within remaining income limits.
• Reverse budgeting may not be ideal for those with high-interest debt or irregular income.
• Automating savings and periodically reassessing the budget are key steps to making reverse budgeting work effectively.
Reverse Budgeting Explained
The reverse budgeting method prioritizes setting money aside for your savings and investing goals. This might include building an emergency fund, saving for a new car or down payment on a house, or investing for retirement. Once that money has been set aside, the rest of your income can be used to cover your living expenses.
Reverse budgeting usually involves setting up automatic contributions to savings, typically on payday. As a result, the money leaves your bank account before you get a chance to spend it. That’s why this method is also known as the “pay yourself first” approach.
How Reverse Budgeting Differs from Traditional Budgeting
Making a budget typically involves listing all of your monthly expenses and assigning a portion of income to each category (e.g., housing, groceries, transportation). The goal is to ensure that expenses don’t exceed income, and any leftover funds can be saved or invested. This approach often requires meticulous tracking and discipline to avoid overspending in any category.
By contrast, reverse budgeting starts by looking at your financial goals and the things you want to save for. It helps you determine how much you need to put aside each month to accomplish them. You then subtract that sum from your monthly pay; what’s left is how much you have to spend on everything else.
Earn up to 4.50% APY with a high-yield savings account from SoFi.
No account or monthly fees. No minimum balance.
10x the national average savings account rate.
Up to $2M of additional FDIC insurance.
Sort savings into Vaults, auto save with Roundups.
Steps to Create a Reverse Budget
Creating a reverse budget tends to be less complicated than setting up other types of budgets. It doesn’t require establishing spending categories and totals for how much you will spend on each. That said, there are a few steps involved. Here’s a look at how to do a reverse budget.
1. Assess Your Spending
To know how to set your savings goals, you’ll need to get a general sense of your current cash flow. You can do this by pulling the last few months of financial statements, then adding up how much is coming in and going each month on average. You might also want to make a list of your essential monthly expenses, as well as how much you tend to spend each month on nonessentials.
This type of spending audit will give you a clear picture of your spending patterns. It can also help you identify any discretionary spending you may be able to reduce to accommodate your savings goals. There are also budgeting apps that can do a lot of this work for you. Start by seeing what your financial institution offers that could help with this process.
2. Identifying Your Savings Goals
Next, you’ll want to think about your savings goals. These might include building an emergency fund, saving for a down payment on a house, doing a home renovation, going on a vacation, paying for a wedding, contributing to retirement accounts, or any other financial objectives.
You’ll likely want to set your savings goals in terms of dollars as well as the timeframe within which you want to work.
3. Allocate Income to Savings
Once you’ve identified your savings goals, you might pick just a couple to start with. For each, as noted, you’ll have determined how much money you’ll need, along with a realistic timeline for reaching the goal. With that information in mind, you can then allocate a portion of your income to each goal.
For example, if you want to save $5,000 for an emergency fund over the next year, you would need to save approximately $417 per month.
As you go through this step, you’ll want to be realistic about how much you can afford to siphon off your paycheck for savings. It’s important to have enough spending money left over to cover your bills and also have some fun.
Recommended: 10 Most Common Budgeting Mistakes
4. Automate Your Saving
To ensure consistency and reduce the temptation to spend your savings, it’s a good idea to automate the saving process. If you have a 401(k) at work, you can do this by letting your employer know how much of your paycheck to put into your retirement account.
For shorter-term goals, consider setting up an automatic transfer from your checking account to a savings account for the same day each month, ideally right after you get paid. Some employers even allow you to split up your direct deposit into two different bank accounts.
5. Make Adjustments as Needed
Once you’re living on your reverse budget, you may find that you don’t have enough wiggle room to comfortably cover your bills and everyday spending. Or you might realize that you can afford to put more money towards savings and, in turn, reach your goals faster. Either way, it’s important to periodically reassess your reverse budget and, if necessary, make some adjustments in your savings rate.
This is especially important as your life circumstances and financial goals change. If you get a raise, for example, consider increasing your savings rate (this can help you avoid lifestyle creep). Conversely, if you encounter unexpected expenses, you may need to temporarily reduce your savings rate to accommodate these costs.
Pros and Cons of Reverse Budgeting
As with any financial strategy, reverse budgeting has its advantages and disadvantages. Understanding these pros and cons can help you determine if this method is right for you.
Pros of Reverse Budgeting
First, consider the upsides of reverse budgeting:
• It can help you reach your goals faster: One of the main advantages of reverse budgeting is that it takes savings right off the top of your paycheck. This can help you build an emergency fund, save for a major purchase, or invest for retirement more quickly than traditional budgeting methods.
• Low maintenance: Reverse budgeting simplifies the budgeting process. Instead of meticulously tracking every expense category, you focus on saving a predetermined amount and spend the remainder as you see fit. This low-maintenance approach can be particularly appealing for those who find traditional budgeting too time-consuming and/or restrictive.
• Spending without guilt: With reverse budgeting, you can enjoy spending within the limits of your remaining income. Since your savings goals are already met, you have the freedom to spend on discretionary items without worrying that you are derailing your future progress.
In these ways, the reverse budgeting method can help you prioritize savings and achieve financial security.
Recommended: The Most Important Components of a Successful Budget
Cons of Reverse Budgeting
Next, keep these potential downsides of reverse budgeting in mind:
• It could lead to overspending: Since reverse budgeting doesn’t require setting up spending categories and strict spending limits for each one, you could end up overspending on certain things. Then, you might have to dip into savings to cover the shortfall.
• You might be better off focusing on debt: If you have high-interest debt, paying down those balances could provide a better return on investment than saving or investing. If this is the case, a more traditional budgeting approach that prioritizes debt repayment might be more effective.
• Not ideal for people with variable income: Reverse budgeting generally depends on earning a set amount of money each month. For people with variable income, such as freelancers or those with seasonal work schedules, maintaining a fixed savings rate could be challenging.
The Takeaway
Reverse budgeting, also known as the “pay yourself first” method, prioritizes saving and simplifies the entire budgeting process. By automating saving, it also reduces the chance that you’ll spend money today that you were intending to set aside for the future. However, reverse budgeting may not be the best approach if you have a lot of high-interest debt or your income fluctuates. You might be better off with another budgeting technique.
Choosing the right banking partner can also help you budget more effectively.
Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.
Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall.* Enjoy up to 4.50% APY on SoFi Checking and Savings.
FAQ
How does reverse budgeting help with saving money?
Reverse budgeting helps with saving money by prioritizing savings over expenditures. With this approach, you allocate a set percentage or amount of your income to savings first and then use the remaining amount to cover your expenses. This ensures that you don’t spend money you were planning to use for future goals.
Can reverse budgeting work for irregular income?
Reverse budgeting can be challenging for those with irregular income, such as gig workers. Here’s why: It relies on setting aside a certain amount of money into savings each month — before other expenses are paid. If your income fluctuates significantly, it may be difficult to meet your savings goal monthly.
However, you may be able to make it work by taking a flexible approach. For example, you might set a minimum savings rate based on your lowest expected income and then, during higher-income months, increase your savings contributions. Building an emergency fund can also help smooth out the fluctuations.
Is reverse budgeting suitable for paying off debt?
Reverse budgeting isn’t ideal for paying off debt, since it focuses on saving first, which can divert funds from debt repayment. If you have significant high-interest debt, prioritizing debt repayment might provide better financial benefits in the long run compared to the returns from savings or investments.
However, you might consider a hybrid approach — allocating a portion of your income to debt repayment and another to savings, ensuring you address both goals.
The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.
SoFi members with direct deposit activity can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with direct deposit are eligible for other SoFi Plus benefits.
As an alternative to direct deposit, SoFi members with Qualifying Deposits can earn 4.50% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant. SoFi members with Qualifying Deposits are not eligible for other SoFi Plus benefits.
SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.50% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.
SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.
Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.
Interest rates are variable and subject to change at any time. These rates are current as of 8/27/2024. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
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.
Tucked along California’s sun-drenched coast, Santa Barbara is renowned for its stunning beaches, charming Spanish architecture, and extensive wine scene. But beyond the iconic palm-fringed shores and bustling State Street, this coastal city offers a wealth of unique experiences that go beyond the ordinary tourist trail. Santa Barbara invites explorers to uncover its lesser-known treasures and discover more than what it’s more commonly known for.
Whether you’re searching for a cozy home in Santa Barbara, exploring available apartments, or looking for a rental property, you’re in for an exceptional experience. If you’re eager to go beyond the basics and uncover unique things to do in Santa Barbara, keep reading to discover the city’s enchanting side and see what makes Santa Barbara an extraordinary place to consider moving to.
1. Explore local culinary eats
Eating local in Santa Barbara is a culinary adventure that highlights the region’s rich agricultural bounty and coastal flavors. From farm-to-table restaurants to vibrant farmers’ markets, you can savor dishes crafted with fresh, seasonal ingredients. Embrace the local food scene by dining at charming bistros, exploring artisanal food shops, and enjoying seafood that reflects the city’s maritime heritage.
Ocean views
Across the street from Santa Barbara’s pristine East Beach sits Convivo Restaurant & Bar, a “Nomad Italian” restaurant, featuring expansive patios with views of the sparkling Pacific Ocean. Indulge in their seasonally changing menus that include consummately crafted cocktails and spectacular seafood starters. So settle in, savor delicious wood-fired pizza, and let the calming sounds of the ocean enhance your dinner.
Join a pasta club
Each week, Aperitivo spotlights a different Italian region, showcasing its distinctive flavors and wines. When joining their pasta club, you’ll enjoy freshly handmade pasta paired with house-made sauces and expertly chosen wines from the featured area. Every gathering features unique recipes and cooking techniques, creating a vibrant community experience centered around a shared love of Italian cuisine.
Eat a bountiful brunch
Indulging in brunch is not a feat that someone often regrets. Take in the joys of brunch at Scarlett Begonia, an innovative, sustainable restaurant found right off State Street. From the delectable Yukon Gold Cinnamon Roll to the exquisite Smoked Salmon on Brioche, these dishes just touch the surface of a wide range of brunch-focused dishes featuring organic eggs and sustainable meat and fish.
2. Take in a winery off the beaten path
Exploring wineries in Santa Barbara County is a captivating journey through stunning landscapes and world-class wine. The region’s diverse terroirs produce a range of exceptional wines, from crisp Chardonnays to bold Syrahs, each reflecting the unique character of the area. The experience offers not just an opportunity to savor fine wines but also to immerse yourself in the beauty and charm of California’s Central Coast.
Farm-to-table
From their comprehensive farm-to-table menu to the award-winning wine, Vega Vineyard is an absolute must-visit. Beyond the exceptional food and wine, Vega boasts a working farm, tractor rides, a petting zoo, a playground for kids, and even cabana rentals. It’s a unique destination where you can easily spend an entire day enjoying a wide range of activities.
Southern hospitality
Presqu’ile is a winery dedicated to the relentless pursuit of growing and crafting cool-climate premium wines. From an elegant Pinot Noir to a méthode champenoise sparkling wine, the family winery works to express the estate and select sites in Santa Barbara County. Rooted in the family’s tradition of warm and welcoming Southern hospitality, Presqu’ile provides an unparalleled guest experience.
Private, guided tour
Embark on a wine adventure with a personalized tasting tour with Rooted Vine Wine Tours, featuring family-owned and independent wineries. Explore unique varietals with fascinating histories, savor a gourmet picnic lunch, and meet passionate local winemakers dedicated to their craft. The tour guide can pick you up from your home or hotel, so you can relax without worrying about driving or parking.
Party bus luxury
Taking a wine-tasting tour in Santa Barbara County on a party bus elevates the experience with a blend of fun and luxury. Golden Rooster Transportation provides a festive atmosphere, complete with extensive wine country knowledge that makes each stop at award-winning wineries even more enjoyable. This vibrant approach allows you to fully savor the region’s exceptional wines without the hassle of driving or logistics and is a unique thing to do in Santa Barbara.
3. Gallop on the sand
Horseback riding on the beach is a unique activity to do in Santa Barbara that combines the thrill of equestrian adventure with the stunning beauty of the coastline. As you ride along the sandy shores with Summerland Beach Rides, you can enjoy panoramic ocean views and the soothing sounds of the waves. It’s a unique way to connect with nature and explore Santa Barbara’s scenic beauty from a different perspective.
4. Enjoy the keys at The Red Piano
The Red Piano is Santa Barbara’s premier piano bar, where live music, audience sing-alongs, and expertly crafted cocktails create a one-of-a-kind experience. Situated on Lower State Street, this lively venue offers a dynamic atmosphere where performers keep the energy high and every night turns into an unforgettable celebration. Whether you’re new to town or a seasoned local, The Red Piano is the place to make lasting memories.
5. Find your new favorite cupcake
A visit to a cupcake café is a delightful treat for the senses, offering a charming and cozy atmosphere where you can indulge in a variety of delectable cupcakes while sipping fine-brewed coffee.
“Someone new to or visiting Santa Barbara should make the time to visit Crushcakes & Café, whether it be for a cupcake and some coffee or for their delicious breakfast, brunch, and lunch options,” shares Karyn Laver, director of The Dance Network, a dance studio in Santa Barbara. “This locally owned restaurant has been one of my favorite places to go since they first opened in 2008 and they never disappoint.”
Each bite-sized creation is often a work of art, with unique flavors and creative toppings that cater to every palate. The café’s inviting ambiance makes it an ideal spot for a casual catch-up with friends or a sweet escape from the everyday hurry.
6. Admire artwork at Elizabeth Gordon Gallery
Venturing into an art gallery provides a serene space for reflection and inspiration, making it an ideal spot to appreciate both local and international talent. Each exhibit invites you to engage with art in a meaningful way, enriching your visit to Santa Barbara. At Elizabeth Gordon Gallery, you can explore a diverse array of artworks, from contemporary pieces to modern works. Looking for a new monthly adventure? Every month, they host a First Thursday event for locals and visitors to enjoy and take in the masterpieces as a unique thing to do in Santa Barbara.
7. Consume coffee cocktails at Cajé
A must-visit spot in the city is Cajé, where they’re renowned for their inventive coffee cocktails and unmatched atmosphere. This stylish café combines innovative drinks with a warm, inviting vibe, making it the perfect spot to unwind or socialize. With their craft coffee blends to delicious and ambitious cocktails, Cajé is a unique thing to do in Santa Barbara.
8. Savor seafood finds
Enjoying fresh seafood is another unique thing to do in Santa Barbara, thanks to the region’s rich maritime heritage and proximity to the ocean. From succulent shrimp and perfectly grilled fish to delectable calamari, local seafood restaurants offer a range of dishes that highlight the freshness and quality of the catch.
“If you’re new to Santa Barbara and love fresh seafood: wake up early Saturday morning and head down to the Saturday Fisherman’s Market on the pier at the harbor, “ says Benjamin Silver at Silver Wines. “My favorite business is Garrigan Seafood, where the fishermen catch fresh Spiny Lobster, Rock and Spider Crab, and Rockfish throughout the year.”
Dining on fresh seafood by the sea not only provides a taste of the ocean but also a glimpse into the region’s vibrant coastal culture.
9. Meander through the Funk Zone
The Funk Zone in Santa Barbara is a vibrant, eclectic neighborhood known for its artistic and creative atmosphere. Located between State Street and the waterfront, this area is famous for its colorful street art, craft breweries, and wine-tasting rooms.
Melissa Hopf with Totally Cali Tours shares that at Fox Wines, a spacious warehouse-like space filled with a collection of local food/drink and art-focused businesses, you can enjoy regional wines that highlight the best of the area while grabbing farm-to-table bites from The Nook. The space is filled with local art and frequently hosts pop-up events featuring local artists and craftspeople, as well as live music.
For beer lovers, Topa Topa Brewery and Lama Dog Tap Room + Bottle Shop are also in the same building, offering a great selection of local brews.
Wallace Piatt, owner and operator at Rodeo Art Gallery, shares his favorite pastime in the city, “Take a walk down Cabrillo Blvd beachside through The Funk Zone for a true American Riviera experience. Pop into Flor de Maiz or Oku, which is on your way to our own creative corner,” Piatt continues. “Stop by the famous boutique, Loveworn, and Rodeo Art Gallery—all of which are located within just two minutes of each other.”
Located right next to the waterfront, the Funk Zone is the perfect place to explore one of Santa Barbara’s coolest neighborhoods and easily try out a unique thing to do.
10. Experience the ballet
Attending a ballet performance is a mesmerizing experience that combines grace, athleticism, and artistry. As you watch the dancers glide across the stage, their elegant movements and expressive choreography bring the music to life in a captivating way. Santa Barbara Festival Ballet is celebrating its 49th Nutcracker Anniversary at the historic Arlington Theatre this year with a live symphony orchestra. Whether it’s a classic ballet or a contemporary work, the ballet offers a unique and enchanting escape into the world of dance and creativity.
In addition to putting on stunning performances, Santa Barbara Festival Ballet also provides exceptional training for dancers, new and experienced, with a personalized touch to help each artist grow uniquely and confidently.
11. Sip at Third Window Brewing
Third Window Brewing offers a unique ranch-to-beer garden experience. Sourcing wheat, oak, and beef from their family-owned ranch in Los Olivos, they craft estate beers, oak-smoked BBQ, and wood-fired pizzas. On tap, you’ll find award-winning Belgian-inspired beers brewed on-site, along with wagyu smashed cheeseburgers, fries, and milkshakes. Don’t miss their weekend and nightly specials featuring Texas-style BBQ, house-made pretzels, tri-tip sandwiches, and FP Ranch steak dinners. With its lush, laid-back beer garden welcoming people and pets, it’s the perfect spot for great food, refreshing drinks, and friendly faces.
12. Support the arts
The Museum of Sensory & Movement Experiences is an immersive destination dedicated to exploring the evolution of interactive art. Through a rich array of experimental time-based installations—both contemporary and historical—the museum invites visitors to embark on a captivating journey through the development of interactive artistic expressions. Each exhibit is designed to engage the senses and provoke reflection, offering a hands-on experience of how art has evolved over time.
Complementing this experience, in the same building, The Arts Fund Community Gallery provides a vibrant platform for local talent. By presenting thought-provoking and dynamic works, the gallery plays a crucial role in celebrating and advancing the local art scene, making it an essential part of the museum experience. Together, these two spaces create a comprehensive exploration of art, blending historical context with contemporary innovation and local creativity.
13. Catch a wave
Santa Barbara is not only one of the most beautiful towns in California, but it’s also an ideal spot for learning how to surf. There’s no better way to experience the charm of a beach town than taking in the coastline from the ocean. The perspective from the water is mesmerizing and humbling.
“I went to college at UC Santa Barbara and lived in ‘SB’ (as the locals call it) for over 10 years. During my time in SB, I fell in love with this enchanting town, where a stunning mountain backdrop meets the sparkling sea,” says Vanessa Rivers, founder of Surf Lessons with Vanessa and co-founder of We Are Travel Girls.
“If you’re visiting or live in Santa Barbara, I highly suggest surfing at Mondos, which is, in my opinion, the very best place to learn on the West Coast,” suggests Rivers. “People call Mondos the Waikiki of California because it offers a long, mellow wave and a shallow sand bottom, making it easy to paddle out and catch waves.”
Photo courtesy of Vanessa Rivers at Surf Lessons with Vanessa
14. Embark on a dolphin cruise
Set sail on a dolphin cruise and immerse yourself in the enchanting world of these playful marine mammals. Betsy Woyach, owner and director of Momentum Dance Company, recommends, “Take the time to experience the Double Dolphin Cruise from Santa Barbara Sailing Center. This experience is quintessential Santa Barbara—the wharf, the views, the ocean, it’s a definite 10 out of 10 experience.”
As you glide across the shimmering waters of the Pacific Ocean, watch in awe as dolphins dance and leap beside your boat, creating memories that will ripple long after the journey ends.
15. An itinerary for the perfect day
Crafting the perfect itinerary for a day in this coastal city involves a blend of sightseeing and delicious food. Need a hand putting together the perfect day of unique things to do in Santa Barbara? Captain Spencer MacRae, co-owner with his wife, Courtney, of SunSwept Sailing has it all figured out. “Our family has called Santa Barbara home for seven generations and loves ‘touristing’. If you are looking for the quintessential Santa Barbara experience, we suggest starting with a sunrise hot air balloon ride with Sky’s the Limit Ballooning over the vineyards of the Santa Ynez Valley.
“Then visit one of the amazing bakeries, like Mortensen’s Danish Bakery, before starting a wine tour with Rooted Vine Tours complete with lunch and local Olive Oil Tasting at Rancho Olivos,” suggests MacRae. “Finish off the afternoon aboard Yacht Kelpie for an authentic sailing experience along the American Riviera with SunSwept Sailing.”
MacRae also recommends ending the night at a beloved dining spot. “Top off the evening with casual fine dining and drinks at Toma, an Italian seafood restaurant across from the harbor. As a bonus, if the weather is lovely, spend an extra day exploring the Channel Islands National Park and Marine Sanctuary.”
Unique things to do in Santa Barbara, CA: Final thoughts
From world-class wineries and charming local boutiques to exhilarating outdoor adventures and one-of-a-kind dining spots, Santa Barbara offers something for everyone seeking a fresh perspective. Embrace the opportunity to uncover these distinctive activities and make your home truly memorable, leaving with a deeper appreciation for all that this coastal gem has to offer.
Do you want to learn how to make $400 fast? Making extra money can be really helpful for unexpected expenses or saving up. You might need it for rent, a car repair, or a medical bill. Or maybe you’re saving for something special and just want to earn a little more. Sometimes, you need quick…
Do you want to learn how to make $400 fast?
Making extra money can be really helpful for unexpected expenses or saving up. You might need it for rent, a car repair, or a medical bill. Or maybe you’re saving for something special and just want to earn a little more.
Sometimes, you need quick cash, and $400 can make a big difference. Finding ways to make money fast doesn’t have to be hard and can be done in many different ways that fit your skills and schedule.
Best Ways To Make $400 Fast
Below are the best ways to make $400 fast.
1. Sell printables
Selling printables can be a great way to earn money quickly. Printables are digital products that buyers download and print at home. These can be anything from planners to party decorations to holiday cards.
The best part is you only need to create them once, and they can be sold many times.
After creating your printable, you’ll need a platform to sell it. Etsy is a popular choice because it’s easy to set up and lots of people shop there for printables. When listing your product, make sure to use good photos and detailed descriptions because this helps buyers find your printables.
I have several friends who make over $1,000 each month by selling printables, and they do it all from home! It’s a side hustle that I frequently think about starting.
You can learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
2. Start a blog
Starting a blog can be a great way to make $400. It may not always be fast, but once you get your blog started, you may be able to make money and create new income streams.
To make money, you can place ads on your blog. You can also write sponsored posts or review products. Another way to earn is by promoting products you like through affiliate links. When someone buys a product through your link, you get a commission.
For me, I love blogging and I make over $400 a day online with my blog. I also get to work from home and have a flexible schedule, and I love it!
You can learn how to start a blog with my free How To Start a Blog Course (sign up by clicking here).
3. Answer online surveys
Taking online surveys is a simple way to make extra money. Many companies pay for your opinions to help improve their products. You can do this from home and on your own schedule.
It would take some time to make $400 by answering surveys, but it is easy and very flexible. Or, you could combine many of the side hustles on this list to reach your $400 goal faster.
The survey companies I recommend signing up for and the best paying survey sites include:
Freecash – This is one of my favorite rewards sites right now! You can get paid to take surveys, play games on your phone, and more.
American Consumer Opinion
Survey Junkie
Swagbucks
Branded Surveys
Prime Opinion
Five Surveys
User Interviews
KashKick
Pinecone Research
Many of the survey sites above give a sign-up bonus to new members and pay via free gift cards or cash to your PayPal account.
I have taken many, many surveys over the years, and I like how flexible they are to answer because you can answer them in your free time (such as when watching a TV show).
4. Sell your old phones
Got an old phone lying around? You can turn it into quick cash, many times up to (or over) $400. Many people don’t realize how much money is just sitting in their junk drawer. Phones, even ones that aren’t the latest model, can be worth quite a bit.
You can sell your old phone on:
Decluttr
eBay
Facebook Marketplace
Craigslist
And more!
You’ll want to remember to erase all your personal data before selling your phone. This is very easy, though, so don’t let it stop you from selling your phone.
5. Join Freecash
Freecash is a website where you can make money by doing fun and easy tasks on your computer or phone. When you join Freecash, you can get paid to test apps, play games, and complete surveys.
I have personally earned $722 from this site, and I have received $720 in free Amazon gift cards. $302 of that was from playing Bingo on my phone through Freecash in just one week!
Click here to sign up for Freecash for free.
6. Bookkeeping
Bookkeeping can be a way to make money from home. You don’t need a college degree to start, and many online courses offer the training needed to get going.
Bookkeepers help businesses manage their finances. This includes tracking income, expenses, and creating reports.
Many businesses, big and small, need bookkeepers. As a result, there’s always a demand for this service. With hard work and dedication, you might earn around $40,000 a year or more.
I recommend signing up for the free training – How to start a profitable bookkeeping side hustle, that can generate $2,000 to $16,000 a month (part-time)!
You can also learn more at How I Made $10,000+ Monthly With A Bookkeeping Business Online.
10
This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
7. Proofread
Proofreading is a great way to make money quickly. Many writers need an extra set of eyes to catch mistakes in their work. As a proofreader, you’ll look for grammar, punctuation, and spelling errors. This job can be done from home, and you get to choose your own hours.
You can proofread all kinds of content. This includes articles, blog posts, books, student papers, and even advertising copy.
Due to the high demand for written content, there’s always a need for proofreaders. This makes it a stable way to earn money.
You can learn more at How To Start A Proofreading Business And Make $4,000+ Monthly.
10
This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
8. Sell jewelry online
Selling your jewelry online can be a way to make $400 fast. If you have items like engagement rings, luxury watches, or necklaces you no longer wear, you can turn them into cash.
Start by choosing a reliable place to sell your jewelry. For example, websites like Worthy can help you sell jewelry like rings and necklaces.
You can learn more at Where To Sell Jewelry: 12 Best Places For Extra Money.
9. Affiliate marketing
Affiliate marketing is a great way to make money online and it’s one of my favorite online business ideas. You can earn commissions by promoting products and services. When someone buys through your referral link, you get a percentage of the sale.
This is my favorite way to make money, as it can all be done online. I can make money while on a vacation or sleeping, and it’s easy to share links to products that you already use and believe in.
My favorite way to do affiliate marketing is by sharing links to products on a blog. You can learn more about this at Affiliate Marketing Tips For Bloggers – Free eBook.
10. Freelance on Fiverr
Fiverr is a great way to make $400 fast by selling your skills online. You can sell services like writing, graphic design, or even voice-overs.
You can easily start freelancing by creating a free account on Fiverr. You’ll choose a username and set up your seller profile where you highlight your skills and what you can sell to clients.
Next, create your first gig. A gig is a service you provide. You can start small, with gigs priced at $5, and then increase your rates as you gain experience (yes, this means that you can earn more than $5 per service that you sell on Fiverr!).
Also, another site to look into if you want to freelance online is Upwork!
11. Pet sitting services
Pet sitting is a great way to make extra money if you love animals. Many people need help taking care of their pets when they’re at work or on vacation. This job usually involves feeding, playing with, and sometimes walking the pets.
You can start by signing up on dog walking websites and apps like Rover or Wag. These platforms connect pet sitters with pet owners. You can choose your working hours and set your rates.
We used to have a dog sitter (back when we had dogs), and we paid her $35 to watch each dog each night (she watched them in her own home). That means she was making $70 a night and we typically had her watching our dogs for 7 days or longer.
12. Sell handmade crafts on Etsy
Selling handmade crafts on Etsy is a great way to make $400 fast. You can set up your own shop and start selling right away. People love unique, handmade items, and Etsy is the place to find them.
You can sell all kinds of things on Etsy, like jewelry, woodwork, soap, and knitted items.
Etsy charges a fee for each listing and a transaction fee when you make a sale, so you’ll want to make sure to price your items to cover these costs and still make a profit.
13. Sell lawn care services
Selling lawn care services is a great way to make $400 quickly. If you have a lawn mower and some basic tools, you can sell your services to neighbors or people in your community.
Start by mowing lawns. You can charge around $30 to $50+ per lawn, depending on the size. If you mow just 8 to 10 lawns, you’ll reach $400 fast.
14. Babysit for neighbors
Babysitting is a way to make money fast. Many parents need someone to watch their kids for a few hours, so you can sell your help during weekends or evenings.
Tell your neighbors and friends that you are available to babysit, or even post in local parent Facebook groups. Let them know your rates and how they can reach you. You might be surprised by how many opportunities you get.
Babysitting rates can vary, but you can charge around $15 to $25 per hour, depending on where you live.
15. Drive for a rideshare service
One of the fastest ways to make $400 is to drive for a rideshare service like Lyft or Uber. You get paid for each trip you complete, and you can work as much or as little as you want.
To make the most money, you can focus on driving during peak hours. These are the times when people need rides the most, like mornings and evenings, making it easier for you to get more trips.
Another tip is to drive during special events or on weekends. People usually need rides for events, and requests increase, which means more money for you.
16. Sell clothes
Whenever I needed money fast, I would go through my closet and find clothes to sell. I did this a lot, especially when I was younger (and had more clothing, haha).
Selling clothes is a quick and easy way to make extra money. You probably have clothes in your closet that you don’t wear anymore. These might be items that don’t fit, are out of style, or just don’t suit you anymore. Instead of letting them take up space, you can sell them online.
There are many websites and apps where you can sell your clothes. Poshmark and ThredUp are popular choices. On Poshmark, you can create listings with photos and descriptions of your clothing. Once your item sells, you ship it to the buyer. ThredUp is more hands-off. You send your clothes to them, and they handle the selling process.
If you prefer selling in person, you can look for local consignment shops or secondhand stores. These places buy gently used clothes and resell them. You might not make as much money as selling online, but it’s fast and super easy.
You can learn more at 16 Best Places To Sell Clothes For Cash.
17. Become a virtual assistant
Becoming a virtual assistant (VA) is a great way to make $400 fast.
Virtual assistants help businesses with tasks they don’t have time for. This can include managing emails, scheduling appointments, and handling social media accounts.
You can set your own hours and work from home, which is one of the best parts of this job. Whether you want to work part-time or full-time, being a VA can give you flexibility.
As you gain experience, you can increase your rates. New VAs might start at $15 to $20 per hour, but experienced VAs can earn much more. You could make up to $50 per hour if you specialize in certain areas, for example.
You can learn more at Best Ways To Find Virtual Assistant Jobs.
18. Rent out your extra space
Renting out your extra space is a great way to make extra money.
If you have a spare room in your house, you can list it on Airbnb. Many people need short-term rentals; you can charge by the night and this can add up quickly. Another way to make money with a spare room is to find a long-term renter. Back when I had spare bedrooms, I would actually rent out each room for $400.
You can even rent out your storage space, a parking spot, and more. A site to start with for this is Neighbor.
19. Donate plasma
Donating plasma is a quick way to make some extra money. You can make around $200 a month by donating regularly. Some centers even have bonuses that can boost your earnings to $400 in your first month.
You can learn more at How To Make Money Donating Plasma.
20. Sell unwanted gift cards
Have gift cards you don’t plan to use? You can turn them into cash quickly. Many places will buy them from you and pay real money. This is an easy way to make some quick cash.
Some ways to sell gift cards include:
Raise
CardCash
CardSell
Gameflip
GiftCash
21. Join a focus group
Joining a focus group can be a great way to make money quickly. Focus groups pay you for your opinion on products, services, or ads. These groups can be either online or in person. This makes them super flexible for any schedule.
Payment varies a lot, with some focus groups paying around $20 for a quick session, while others can pay up to $400 for more detailed feedback. The amount usually depends on the length and type of study. Even a one-hour session can earn you between $50 and $100.
I once did a focus group that paid me about $400 for just 75 minutes. That’s more than what most focus groups pay, but usually, you can expect to earn between $50 to over $100 per hour. The amount you get paid depends on how long the study is and what it’s about, but there are some studies that pay more.
One focus group company that I recommend is User Interviews. User Interviews recruits participants to answer surveys and share their feedback.
22. Sell video games
Selling video games can be a quick way to make money. If you have games you no longer play, why not turn them into cash?
You can sell your old video games in ways such as:
Decluttr
eBay
Amazon Trade-In
OfferUp
Facebook Marketplace
23. Sell power washing services
Selling power washing services can help you make $400 fast. Many people need their driveways, sidewalks, and houses cleaned.
You’ll need a power washer to get started. You can buy one or rent it from a local store.
You can advertise your services on social media or in your neighborhood and create flyers and business cards to hand out.
You can charge by the hour or by the job. Typical rates can be between $50 and $100 an hour. You can clean a driveway in just a couple of hours, so you can probably easily make $400 in one weekend.
24. Tutor
Tutoring students can be a quick way to make $400. You can help kids with their homework, teach a language, or explain tough subjects like math and science. Many parents are willing to pay good money for someone who can help their children do better in school.
Online tutoring is flexible too because you can set your own hours and work from home. Websites like Tutor.com, Wyzant, and Preply are great places to start.
Tutoring can pay well too. Rates can range from $15 to $60 or more per hour, depending on the subject and your experience (for example, advanced subjects like calculus or test prep can pay even higher rates).
25. Become a freelance writer
Freelance writing is a great way to make $400 fast with an online business. You can write for blogs, websites, magazines, and companies. Since you work for yourself, you get to choose which projects to take on.
Freelance writing pays well and beginners can earn around $50 per article, but as you gain experience, you can charge more. Some experienced writers make over $1,000 per 1000-word article.
I have been a freelance writer for years and I have definitely enjoyed it. It’s a fun online job where you can work from home and choose the subjects you want to write about.
26. Sell stock photos
If you love taking pictures, you can turn that hobby into cash by selling stock photos. Many websites let you upload your images for sale.
Some popular ones include Shutterstock, Adobe Stock, and Depositphotos. People such as businesses, bloggers, and marketers buy these photos for their own use. You can earn money each time someone downloads your photo.
You might not make $400 overnight, but your earnings can add up quickly with enough photos in your portfolio.
You can learn more at 18 Ways To Get Paid To Take Pictures.
27. Rent out your car
Renting out your car can be a simple way to make extra cash. There are many platforms like Turo that let you rent your car to others.
You don’t have to do much. Just list your car, set the price, and wait for renters. These platforms handle insurance and payments, making it easier for you.
I have rented a car while on vacation on Turo several times, and I enjoyed it each time. It is an easy-to-use site!
28. Wash cars
Washing cars is a great way to make quick money.
You can start by selling your car washing services to neighbors, friends, and family. You can also make flyers and put them up around your community to let people know about your business.
29. Participate in a medical study
Participating in a medical study can be a quick way to make $400. Many research studies pay volunteers for medical research.
You can find opportunities in local hospitals, universities, and clinics.
When my husband was younger, he took part in a few medical research studies to help us make extra money. He usually earned about $1,000 for a weekend of his time. These were very in-depth, though, with lots of blood work and needles (so you may want to ask about this if that makes you squeamish).
Recommended reading: 19 Best Places To Find Paid Research Studies
30. Sell furniture
If you have any old furniture lying around, like a couch, coffee table, dresser, or dining set, then you can make quick cash by selling it.
You can start by listing your items or selling to places such as:
Facebook Marketplace
Craigslist
eBay
AptDeco
1stDibs
Consignment shops
OfferUp
Etsy
You can learn more at 15 Best Places To Sell Used Furniture For Cash.
31. Help people move
You can make $400 fast by selling moving services. People always need help moving, whether it’s across town or to a new apartment.
You can start by advertising your services on social media and local websites like Craigslist and by letting your friends and family know you are available too.
You can charge by the hour or by the job. Some movers charge $50 an hour, so you could reach your goal quickly. Make sure you have the necessary tools and equipment, such as a dolly and packing supplies.
32. Drive for a delivery service
Driving for a delivery service is a great way to make some quick cash. There are many gig economy apps like DoorDash, Instacart, Uber Eats, and Grubhub that hire drivers to deliver food and groceries. You can sign up easily and start working in a few days.
You get to pick your own hours, making it a flexible job. This means you can work in the mornings, evenings, or weekends. Plus, you can make between $12 and $20 per hour and often get tips on top of that.
33. Transcribe audio files
Transcribing audio files into text is a good way to make extra money. As a transcriptionist, you listen to audio recordings and type what you hear. This job requires good listening and typing skills.
You don’t need a lot to get started. Just a computer, internet access, and a pair of headphones will do.
Many companies pay per audio hour, not the time it takes you to transcribe. Rates can range from $15 to $30 per audio hour. Once you get the hang of it, you might earn $400 a month.
You can learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
10
In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
34. Clean houses
Cleaning houses is a way to make $400 quickly.
People are always looking for help to keep their homes tidy. You can sell your cleaning services to friends, neighbors, or find clients online (you can post an ad on sites like Facebook Marketplace or Craigslist).
You don’t need much to start. Basic cleaning supplies like sponges, sprays, and rags will do, which is great.
You can charge per hour or per job. So, if you charge around $20 to $25 an hour, you can make $400 in just 2 days of work.
35. Sell your wedding dress
One quick way to make some cash is by selling your wedding dress.
You can get a good amount of money, especially if your dress is from a popular designer or in great condition.
There are several websites and stores that buy used wedding dresses. Or, if you want to sell locally, try visiting consignment shops. These stores may take your dress on consignment and pay you when it sells. Or, they might buy it outright, giving you money up front.
36. Do junk removal
Junk removal can be a quick way to make $400. Many people need help getting rid of old furniture, appliances, or just clutter. You don’t need special skills, just some muscle and a vehicle to carry the junk.
You can find work by advertising on websites like Craigslist or Facebook Marketplace. Local community boards are also good places to post your services.
You can charge by the hour or by the job. Many junk removal services charge a minimum fee of around $100 to $150 per load (and go up from there depending on weight and size). With some hard work, it’s possible to reach the $400 mark in a day or two.
37. Host a garage sale
Hosting a garage sale is one of the quickest ways to make $400, especially if you have items you no longer use.
You can start by decluttering your home and picking out things like clothes, toys, furniture, kitchen items, and electronics that are just taking up space. The average household has hundreds of thousands of things (yes, that’s not a typo!), so there’s probably something you can sell.
Once you’ve gathered your items, pick a weekend to host your sale, preferably when the weather is nice. To attract more buyers, advertise your sale on social media, local community boards, and garage sale websites.
You can even team up with neighbors or friends to increase foot traffic. By the end of the weekend, you can easily reach your $400 goal while also clearing out clutter from your home!
Frequently Asked Questions
Below are answers to common questions about how to make $400 fast.
How to make $400 dollars in one day?
You can make $400 in one day by selling more expensive items like old phones, laptops, or collectibles. If you have time to build a business, then you may want to try becoming a freelancer, such as with writing or graphic design.
How to make $400 dollars as a kid?
For kids who want to make $400, you may want to try selling handmade crafts or old toys. Yard work, pet sitting, or babysitting are great ways to earn money quickly too.
Are there any fun ways to earn $400 as an 11-year-old?
Yes, there are fun ways for an 11-year-old to make $400 fast! You can walk dogs, set up a lemonade stand, or sell baked goods. You might also like creating and selling crafts or printables with help from a parent.
How to make $400 a day online?
If you want to learn how to make $400 fast online, then selling items online is usually the fastest. You could list items from around your home, like furniture or old electronics, on Facebook Marketplace and possibly get paid the same day if you find a buyer quickly. If you want to eventually in the future make $400 in a single day online, then you could do things like blogging, freelance writing, and virtual assisting.
How to make $400 in a week?
You can make $400 in a week by selling items on sites like eBay or Facebook Marketplace. You can also look for quick gig jobs (such as on the Craigslist gigs section where they list random odd jobs like handyman gigs), do freelance work, or sell services like tutoring or lawn care.
What can I sell for $400?
You can sell old phones, laptops, furniture, jewelry, or clothes to make $400.
How To Make $400 Fast – Summary
I hope you enjoyed this article on how to make $400 fast.
Making $400 quickly is possible if you have the right plan. You can sell things you don’t need, sell your skills as a freelancer, take online surveys, and more.
There are lots of ways to reach your goal, and it’s important to pick something that works with your schedule and skills.
What do you think is the best way to make $400 fast?
Heat up the grill and get your koozie ready — college football season is here. For out-of-town fans traveling to support their team, that fandom can be costly, with hotel room rates often seeing a dramatic increase in price during game day weekends. That increase can be even more extreme in smaller college towns with fewer hotels. But with a little planning, you can secure a room while keeping money in your pocket.
Here are five tips for scoring an in-demand hotel room during the college football season.
1. Know the hotel reservation calendar
Most major hotel chains permit bookings between 350 and 395 days in advance. That means you can often book a game day weekend room for next season before the schedule is released (typically around January or February each year).
Don’t fret if the hotel you want gets instantly booked up. Cancellations happen, so keep checking if you don’t find immediate room availability. You can also call the hotel directly to see if they’ll add you to a waitlist.
2. Book (many) months in advance
Hotel prices generally increase in the time leading up to game day weekend, as less-well prepared fans jockey for any remaining rooms. If you know you’re attending a game before the season starts, booking in advance can not only secure a hard-to-find room but also save you money. This is even more important in smaller college towns that lack the hotel infrastructure of bigger cities. Lower supply and higher demand will make a game day room in Auburn, Alabama or Athens, Georgia harder to find than in a bigger city like Los Angeles, Seattle or Atlanta.
If you’re planning to attend a game next season, preemptively book a room when the schedule gets released at the beginning of the year. If the hotel permits free cancellations and doesn’t require a deposit or prepayment, you can preemptively book a room for each weekend around the time of the season you want to catch a game, then cancel the rooms that don’t work once the schedule is released.
Both local boutique and chain hotels often have stricter cancellation penalties during periods of peak demand, which may include issuance of partial refunds or requiring you to pay for at least one night for cancellation within a certain period before your stay. Be sure to confirm the cancellation policy with the hotel before you book.
3. Use hotel loyalty points
Using hotel points during expensive weekends can be a great way to get outsized value from your rewards. This is especially true for loyalty programs with a fixed award chart (like Wyndham Rewards and World of Hyatt) and not dynamic pricing, where the number of points required is based on the cash rate of the room.
For example, a game day weekend room at the Hyatt Place in Gainesville, Florida to see the Florida Gators play can cost up to an outrageous $850 per night. The same room can be booked with 15,000 World of Hyatt points, resulting in a redemption value of 5.7 cents per point. That’s way above the valuation of 2.2 cents per point that NerdWallet assigns World of Hyatt points.
The caveat is that it’s up to the hotel to accept award stays during high-demand periods. But if you can find a hotel that accepts points or free night certificates, that can lead to big savings when you visit your alma mater.
The easiest way to earn a slug of hotel points is through a credit card sign-up bonus. The World of Hyatt Credit Card offers new cardholders the following bonus: Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. You’ll also earn a free night in a Category 1 to 4 hotel each cardholder anniversary year.
If the hotel where you want to book an award stay is at capacity, try using a tool like PointsYeah to alert you in real-time when a room becomes available.
4. Use fan packages and travel agencies
Depending on the size of the school, alumni travel packages may be offered through the college or university that bundle game day tickets and a hotel stay. While this may not be as cost-effective as booking everything yourself, you’ll get a guaranteed room and a game ticket with minimal hassle.
Similar to what may be offered through the university, local travel agencies may specialize in getting people to and from game day. These companies, such as On Location and Uniglobe Travel, often partner with local hotels to provide packages inclusive of game tickets and lodging, and may even arrange for transportation to and from the airport if needed.
5. Book in the neighboring town
If you really want to get to the game but can’t find a hotel near the stadium, check for hotel availability in a neighboring town. It won’t be as convenient, but prices may be lower and room availability may be more abundant. Before you book out-of-town, be sure to consider how long the drive will take when tens of thousands of fans hit the road after the game.
A former Housewives’ beautiful Bridgehampton home is on the market — and it comes with bright and elegant interiors, a cute little guest cottage, and a prime location in the Hamptons.
Owned by TV personality, RHONY alum, and self-made millionaire Bethenny Frankel, the property landed on the market last week with a $5,995,000 asking price. Douglas Elliman’s Noble Black and Erica Grossman hold the listing.
Lovingly renovated by Bethenny’s expert hands — who’s no stranger to flipping homes for a nifty profit and even had her own real estate show on Bravo, Bethenny and Fredrik, alongside former Million Dollar Listing agent Fredrik Eklund — the Bridgehampton house has about 2,500 square feet of high-end interiors.
It also comes with an equally stylish little guest house and a bunch of outdoor amenities. Let’s take a closer look, shall we?
Like Fancy Pants Homes’ content? Be sure to follow us on Google News
Frankel’s longtime home in the Hamptons
Photo credit: Rise Media / Douglas Elliman
The Real Housewives of New York City alum bought the property over a decade ago and has considerably updated the home over the years. RHONY fans might remember it well, as the Hamptons house was shown quite a bit on Frankel’s second stint on the reality show.
She recently upgraded to another Hamptons abode
Photo credit: Rise Media / Douglas Elliman
Earlier this year, local real estate outlet Behind The Hedges revealed that the Skinnygirl Cocktails mogul bought herself another home in the Hamptons. Frankel reportedly paid $5.45 million back in October 2023 for a three-level Southampton home with 4 bedrooms and 3.5 baths.
“I’m at my new house. I am shocked. This is a dream house. It was a find and it was a renovation,” Frankel told her followers at the time, showing off her serene backyard which includes a pool and a spa surrounded by wood decking, all overlooking Shinnecock Bay.
The charming Bridgehampton compound
Photo credit: Rise Media / Douglas Elliman
Promoted as a compound property, the listing consists of a roughly 2,500 sq. ft. main house, a one-bedroom guest cottage, and a backyard oasis (with pool, spa, pool house, and outdoor kitchen), all set amidst meticulously landscaped gardens and next to 40 acres of open field.
The 4-bedroom main house
Photo credit: Rise Media / Douglas Elliman
The shingle-style main house offers approximately 2,500 square feet of elegantly appointed living space on two levels, with a total of 4 bedrooms and 3 full baths.
The interiors show Bethenny’s stylish touches
Photo credit: Rise Media / Douglas Elliman
Expertly renovated by Frankel herself, who owned the property for well over a decade, the house’s interiors are bright and elegant, with large windows and doors blurring the lines between the indoor and outdoor areas.
The updated kitchen has bespoke millwork
Photo credit: Rise Media / Douglas Elliman
The newly renovated chef’s kitchen features custom millwork, high-end finishes, and appliances, and is as bright and airy as the rest of the Hamptons house.
See also: Newly completed, $25M East Hampton house comes fully (and beautifully) furnished — antiques included
The primary bedroom comes with a private sun porch
Photo credit: Rise Media / Douglas Elliman
Upstairs, the primary bedroom with an en suite bath features high ceilings and a private sun porch offering sweeping views of the gardens and fields. The other three bedrooms are also located on the house’s second floor.
Also on the property: a one-bedroom guest cottage
Photo credit: Rise Media / Douglas Elliman
The approximately 600-square-foot guest cottage adds one more bedroom and bathroom to the tally, along with Bethenny’s signature stylish design touches.
The guest cottage has also undergone updates
Photo credit: Rise Media / Douglas Elliman
The guest cottage has also been fully renovated, now featuring high-end finishes throughout its spaces — which include a kitchen, a living room, a washer/dryer, one bedroom, and one bathroom.
Outdoor amenities include a heated gunite pool
Photo credit: Rise Media / Douglas Elliman
Stepping outside we find a range of upscale amenities, including a heated gunite pool, spa and sauna, outdoor shower, and a built-in outdoor chef’s kitchen to take entertaining up a notch.
There’s also a pool house with a half bath
Photo credit: Rise Media / Douglas Elliman
Outdoor amenities also include a small pool house with a half-bathroom. And since it’s so stylish, we couldn’t help but give you a peek inside.
The TV personality’s other homes
Photo credit: Rise Media / Douglas Elliman
While the New York native hangs her hat in Greenwich, Connecticut, she famously maintains pied-à-terres in both New York City and South Florida.
TheReal Housewives of New York alum recently gave fans (and Instagram followers) a tour of her new Manhattan digs, a two-bed, two-bath prewar apartment on the Upper West Side.
Bethenny is a skilled real estate investor
Photo credit: Rise Media / Douglas Elliman
Frankel has a great eye for real estate and has flipped several properties over the years for a nifty profit. This includes a historic Bridgehampton home known as Morning Glory that she sold for $2.3 million, a Soho loft in New York City that banked her $3.995 million, and a glam Greenwich, Connecticut home priced well over $3 million.
She even chronicled some of her real estate ventures on the short-lived Bravo series Bethenny and Fredrik, alongside former Million Dollar Listing New York star Fredrik Eklund. The 2018 series was canceled after one season.
More stories
La Dune, a trophy Hamptons estate fetches $88.48M at auction
17 Celebrities with Swanky Summer Homes in the Hamptons
In the Hamptons, a newly built, modern waterfront home eyes $10.995M sale
BrokerX will “take care of the training, coaching and licensing,” Ishbia explained, adding that once the program is completed, participants will be fully licensed and ready to originate loans, contributing to the “growth of the wholesale channel and help even more consumers across the country.” How BrokerX works Over the course of five weeks, participants … [Read more…]
Fall is in the air, and it’s the perfect time to give your home a seasonal makeover. Whether you’re a first-time homeowner or a seasoned decorator, incorporating fall colors can instantly transform your space. Discover ApartmentGuide’s expert tips and inspiration on how to create a warm and inviting atmosphere through autumn color schemes, whether you’re renting an apartment in classic leaf-peeping towns like Boston or enjoying a desert autumn from your Phoenix house.
1. New Hampshire-inspired home decor
Olivia Austin, founder and creative director with Current Design Studio, shares, “Fall is an amazing time of year to transition your home into a cozy oasis for you and your family.” Living in New Hampshire, where the fall colors are some of the best in the country, she gets so much inspiration from the outdoors to bring into her home. Her personal favorite is a combination of forest green, light tan, and deep black for contrast with a pop of crimson. Olivia also says, “If your home is generally neutral, these small adjustments can really cozy up the home. If you prefer a more general fall-to-winter approach, you can lean into a deep brown base (think mocha), light tans, and a sultry navy so you can keep the theme throughout the rest of the year.”
2. Autumn elegance: rich burgundy and warm neutrals
Jeanne Pucci with All About Staging and Design, based in Denver, CO, recommends embracing warm tones like burnt orange, mustard yellow, and deep teal in your autumn color scheme. These colors not only bring warmth to any space but also pair beautifully with neutral furniture, enhancing the overall comfort and welcoming atmosphere of a home. She also incorporates elements such as rich burgundy alongside softer creams and browns to create a sophisticated yet inviting environment, perfect for the autumn season.
Photo courtesy of All About Staging and Design
3. Terracotta, pale green, brown wood
Kamil Kozorys of Unique Tiles Ltd, a renowned custom tile company based in the United Kingdom, offers expert advice for creating a fall-inspired home. He suggests incorporating warm, natural tones like terracotta, pale green, brown wood, and cream to evoke a cozy and inviting atmosphere. By pairing these colors with earthy textures, such as stone or woven fabrics, you can achieve a sophisticated and seasonally appropriate look that will transform your space.”
Photo courtesy of Unique Tiles Ltd
4. Deep and rich autumn color
To truly capture the essence of fall, Andrea Thomas with Virtual Home Zen recommends incorporating deep, rich hues like mustard yellow and forest green. These colors evoke the warmth and coziness associated with the season, creating an inviting atmosphere that’s perfect for making any home feel welcoming as the weather cools down. As a visual aid, Virtual Home offers the option of creating a virtual staging image using this fall color scheme.
5. Balance the vibrancy of autumn with neutrals
CGI designers of GENENSE propose a captivating fall color scheme to transform your home into a cozy and inviting sanctuary. To balance the vibrancy of autumn colors, consider pairing them with neutral accents such as cream, beige, or charcoal gray. This will help to create a harmonious and sophisticated atmosphere. For a touch of texture, incorporate natural materials like wood, wool, and linen into your design. These elements will add depth and warmth to your space, making it truly inviting.
Photo courtesy of CGI designers of GENENSE
6. Modern and classic: copper or brass elements
Brittany Jackson with Renee and Co., based out of Dallas, TX,suggests to consider incorporating sage green as your base color. This versatile hue pairs beautifully with other autumnal tones like deep burgundy and charcoal gray. For a touch of warmth, add accents of copper or brass. This combination creates a sophisticated and inviting atmosphere that’s perfect for the season.
Photo courtesy of Renee and Co.
7. Embrace the warmth of autumn color schemes
Soho.com, an Australian real estate app leader, stresses defining your desired atmosphere before choosing colors. Warm and inviting, or cool and sleek? Once you know, selecting hues is easy.
Autumn lovers, embrace warmth and richness with deep reds, golden yellows, deep blues (think crisp fall skies!), and earthy browns. This sophisticated yet inviting palette transforms your home into a cozy sanctuary for shorter, cooler days.
Photo courtesy of Soho.com
Wrapping up the autumn palette
By adding in some fall colors into your home decor, you can create a cozy space to settle in for the season. Whether you choose to embrace the bold hues of autumn or opt for a more subtle palette, these color schemes will add a touch of seasonal charm to any space. So, let the leaves inspire you and transform your home into a cozy and inviting retreat for the fall months.
For the past number of months, I’ve tried repeatedly to signup for Chase and American Express cards with no success.
Twice I tried for the Chase INK Preferred card and got denied. On my recent applications, I even lowered my credit lines significantly which is supposed to help odds of approval (even instant approvals). Alas, to no avail. They continue to deny me due to: the number of my active cards, my available credit, too many requests for credit, low usage of Chase credit line, and new Chase business card opened (it’s been many months since my last approval, but it’s still too new per the memo).
With regards to AmEx, for years I had never been hit with the infamous pop up ineligibility message. But a few months ago they put me in pop up jail. Despite numerous attempts at some of the excellent recent card offers from AmEx, I’ve yet to be released from prison.
For now I’m giving up on new cards with Chase and AmEx. I’ll revisit in six months or a year and see if they’re willing to let me back in the fold.
Instead I applied last night for the Citi Business AAdvantage card with a bonus of 65,000 points (which is not the highest its been) and go an instant approval. Yay! I also lobbed in an application for the U.S. Bank Triple Cash card and was approved the next day; that card comes with a bonus of $750 and with 0% APR for 12 months. #winning
While the mortgage industry has been purchase loan-heavy for several years now, it could finally be starting to shift.
A new report from Optimal Blue revealed that rate and term refinance volume increased nearly 110% in August from a month earlier, and 310% from the year before.
Driving the emerging trend is cheaper mortgage rates, which have finally begun to accelerate lower in recent months.
Assuming they continue on their newfound trajectory, there’s a good chance refis will be back en vogue in 2025 and beyond.
Mortgage Refinance Share Highest Since Spring 2022
It has been a rough few years for loan officers and mortgage brokers, but it’s possible the worst is over.
As mortgage rates nearly tripled from sub-3% levels in early 2022 to over 8% last year, originators came up with the saying, “Survive ‘til 25.”
The idea was that if you could hang on and ride out the storm (of low lending volume) in 2024, you’d be rewarded in 2025.
And while that sometimes felt far-fetched, it looks like it could actually come to fruition, and perhaps even ahead of schedule.
The latest Market Advantage report from Optimal Blue found that mortgage refinances accounted for 26% of total home loan production, the highest share since March 2022.
At that time, you could still get a 30-year fixed in the 3% range. But rates ascended rapidly from there, basically wiping out all refinance activity in a matter of months.
So it’s pretty telling that refinance market share is now back to those levels and likely rising in coming months and years.
The 30-year fixed has fallen fairly dramatically after peaking at around 7.25% this May. It now stands at around 6% and looks poised to hit the 5s sooner rather than later.
Rates have a pretty strong tailwind right now with weakening economic data, higher unemployment, and a bunch of Fed rate cuts in the pipeline.
That could unleash millions of additional refinance candidates, including many of four million who took out a 6.5%+ rate mortgage since 2022.
The Only Way Is Up
While this is great news for the mortgage industry, and for recent home buyers, loan volume is still small potatoes relative to recent years.
If you look at the chart above, you’ll see the context of that 109% monthly increase and 310% annual surge.
The dark blue vertical line (rate and term refinance share) has gotten a lot wider, but is still just a tiny sliver of overall mortgage market volume.
But when you compare it to levels seen in 2021 and early 2022, it doesn’t take much to register big percentage gains.
When we include cash out refinances (orange line), which increased 8% on a monthly basis and over 20% annually, you get a respectable refinance share again.
And chances are this will only go up as more mortgages fall into the money for a refinance.
Lately, it’s mostly been VA loans that have benefited from a refinance because mortgage rates on such loans are the lowest.
But if rates continue on their merry may lower, you’ll start seeing more conforming loans benefit, which make up the lion’s share of the market.
It has been harder to make the math pencil on loans backed by Fannie Mae and Freddie Mac because of LLPAs (pricing adjustments). That could soon change.
Home Purchase Lending Has Fallen Flat Thus Far
While refis are finally having a moment, the same can’t be said of home purchase lending (light blue vertical line above).
Sure, it still holds a majority share of the mortgage market and likely will next year too, but it’s beginning to cede some of it back to refis.
And that’s troubling given the big drop in mortgage rates, which was supposed to get home buyers off the fence.
So far, the effect of lower mortgage rates has been muted, with purchase locks actually down 16% year-over-year and a staggering 45% since August 2019.
Optimal Blue blamed it on “continued affordability and inventory challenges,” with home prices out of reach for many despite the improvement.
Many expected home prices to surge when rates fell, but I’ve been arguing for a while that there’s no inverse relationship.
And in fact, home prices and mortgage rates can fall together if economic conditions warrant it.
Remember, there’s a reason the Fed is looking to cut its own fed funds rate more than 200 basis points (bps) over the next 12 months.
A slowing economy might be good news for mortgage rates, but not necessarily the housing market.
With home prices still at all-time highs nationally and affordability near all-time lows, it’s just not a great time to buy for many folks.
Sprinkle in uncertainty regarding the economy, the election, and even how they’ll pay real estate agent commission and it’s not so rosy anymore.
In other words, significantly lower mortgage rates might not amount to higher home prices, or a greater number of home sales just yet.
But given the timing of these lower rates (post peak home buying season), we won’t really know for sure until next spring.
That’s where the rubber meets the road.
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.