After being settled in our loft for nearly two and half years now, it’s easy to feel like there isn’t really much more for me to do design-wise. Given the small space, we’re pretty set with what we’ve got. But as I finally finished getting all the holiday razzle dazzle put away, I was really getting the itch to make the space feel new again…without making any major changes. With the new house renovations about to get going finally!!, I’m looking to tread design water for a while. And that’s a tough pill for a constant rearranger like me to swallow! I’m quite confident many of you can relate.
To scratch my decorating itch I surveyed our main living space looking for one little change that would have a big impact – and I think found it! By making a simple switch up, our living room suddenly feels brand spanking new. Can you spot what’s different? You can check out before shots here!.
I swapped our living room rug! Tucking my lovely shag Moroccan into storage for safe keeping, I wanted to bring in something with a bit more pop and this bold graphic option from Loloi Rug’s Alder Collection was just perfect! Loloi Rugs is a bit of a hidden gem since they’re a wholesaler, so be sure to ask your favorite design store or online retailer to add them to their rug line! Laid down right on top of our existing sisal, there was no need for a rug pad – the sisal adds the cushion needed to buffer the rug’s flat weave. I love that the new rug is nice and neutral, yet the geometric print adds life to the room without being overpowering. Coincidentally, it also played right into my current obsession with camel + black decor.
After that, all I needed to do was remerchandise some of my existing accessories! After having all the holiday crap accoutrements around, I’m in a very minimalist mood. Instead of adding things, for this update I focused on taking things away. I swapped pillows from the office for a new look on our window seat, switched around some hides decorating secret weapons! and rotated in my favorite snake plant, a couple design books and only a choice selection of knick knacks. If I wasn’t loving looking at it right now, it was out lucky for Goodwill!.
My proudest little DIY moment? Reurposing some empty frames for a fresh focal point over our fireplace! I’m hesitant to invest in any new art until I’ve finalized the design direction for the house, so this is the perfect placeholder. A few strips of 3M stickies and voila – a little abstract gallery wall should get me through the next few months quite nicely.
I don’t know about you, but I’m rather pleased with how this mini-makeover came together – and in a single afternoon mind you! thank you football playoffs!. The room feels clean, open, refreshed and revitalized and so do I!
Up next – making room for le bebe! Details on that to come soon since we’ve only got a couple months to go. How the heck did that happen??
More ways to update your space for 2015 HERE
A rug related DIY HERE
photography for apartment 34 by Bianca Sotelo // photobombs by Chloe & Bailey
***This post is in partnership with Loloi Rugs. Thoughts, opinions and design 100% our own. Thanks for supporting posts that keep Apartment 34’s doors open.***
The total value of every home in the U.S. is $33.6 trillion, nearly as much as the GDP of the two largest global economies combined – the U.S. ($20.5 trillion) and China ($13.6 trillion) – according to a new Zillow analysis.
Since
2010, when the market was battling to regain its footing in the wake
of one of the largest housing downturns on record, the national
housing market added $11.3 trillion in value, which is a more than
50% increase. About 14% of that gain was from new stock entering the
market, with the remainder from increased values of the existing
stock, underlining just how much home values rose during last
decade’s recovery and then explosion.
California
lives up to its Golden State nickname, making up a whopping 21.2% of
the nation’s housing value with 12% of the population. To put that
into context, the next most populous state, Texas, makes up 8.8% of
the U.S. population, but only 5.9% of the country’s housing value. To
exceed the $7.1 trillion worth of homes in California, you’d need to
combine the next four states on the list – New York ($2.7 trillion),
Florida ($2 trillion), Texas ($2 trillion) and Washington ($1.1
trillion).
With
$66 billion each, North Dakota and Wyoming have the smallest shares
of the U.S. housing market.
At
a more local level, three metros are beyond the trillion-dollar
barrier – New York ($3.2 trillion) Los Angeles ($2.5 trillion) and
San Francisco ($1.6 trillion). Los Angeles was the only market to add
more than a trillion dollars of housing during the 2010s, adding $1.1
trillion. Three of the five metros that gained the most value were in
California, as San Francisco ($827 billion), New York ($657 billion),
San Jose ($360 billion) and Seattle ($356 billion) followed Los
Angeles at the top.
While
California cast the biggest shadow in the nation’s housing growth for
most of the decade, more recent trends paint a different picture. The
typical home value in California was growing at more than 20%
annually for a period between the end of 2013 and early 2014, an
incredibly rapid pace, but one that is also unsustainable. By the end
of the decade, annual appreciation in California had slowed to less
than 2%, allowing Texas to surpass it as the top contributor to the
growth in value of the U.S. housing stock – total housing in Texas
grew $89 billion over 2019, compared to $77 billion in California.
At
the metro level, Washington, D.C. ($38 billion), Phoenix ($30
billion) and Seattle ($30 billion) have added the most value since
the end of 2018. Two large metros lost value over this period – San
Jose, down $49 billion, and New York, down $46 billion.
“In
2010, Americans were grappling with falling home values, unsold
subdivisions, and sky-high foreclosure rates, while policymakers were
working to stimulate demand,” said Zillow Economist Jeff Tucker.
“A decade later, we’re facing a very different set of
challenges, as a persistent shortage of new homes and starter homes
has kept home prices rising out of reach for many would-be first-time
home buyers. More and more of the nation’s wealth is now tied up in
our homes, as workers in some of the world’s most economically
productive cities, such as San Francisco, San Jose and Seattle, have
raced to get a foothold in homeownership there, driving up prices
with their fierce competition. Most of this growth has come from
rising prices for the same homes, not from actually building more
homes, a troubling trend when it comes to affordability.”
In
the vast majority of the country, home value appreciation accounted
for most of the growth in the total value of the housing stock last
decade, including 86% of the growth nationally. However, two
fast-growing markets, Charlotte and Austin, saw a greater share of
growth come from new homes. That’s not to say that home value growth
was slow in these markets – home values have outpaced the national
average in both Charlotte and Austin since 2010 – but the rate of new
construction has been so great as to exceed that growth.
Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected]
The Federal Housing Administration (FHA) published Mortgagee Letter (ML) 2023-14 this week, which increases the threshold from $75 million to $120 million for multifamily loans to be considered large loans.
This marks the first major increase to the threshold since 2014. The goal of the increase is to “enable a greater number of transactions to use standard underwriting processes when submitted for FHA Multifamily insurance,” the agency said.
The FHA said it will also review the threshold on an annual basis, leaving open the possibility for future increases in $5 million increments.
The review schedule and loan threshold changes are designed to “simplify underwriting for multifamily housing development without presenting undue risk to FHA,” the agency said, and to allow for regular adjustments in response to market changes.
“We know that borrowers are contending with the dual challenges of increased development costs and meeting the nation’s dire need for more rental housing,” said FHA Commissioner Julia Gordon. “Anything we can do to prudently alleviate extra steps in obtaining FHA insurance will help all of us meet the housing supply challenges before us.”
Another driver was the age of the threshold, which was nearly a decade old prior to the increase, according to Ethan Handelman, deputy assistant secretary for Multifamily Housing.
“Revising the threshold, which is almost a decade old, is an important step for us and for the industry,” he said. “We want stakeholders to be able to rely on FHA-insured financing for a wide variety of multifamily transactions, and without unnecessary barriers.”
The new ML “includes page revisions to the [Multifamily Accelerated Processing (MAP)] Guide to reflect the new $120 million threshold and the annual review methodology,” the agency said. “FHA’s other requirements in the MAP Guide related to Large Loans remain unchanged.”
[Note from editor: The “Mastermind Showcase” highlights companies and news from members of the GEM. Today’s showcase: Homebuyer.]
A digital mortgage lender built for first-time home buyers, Homebuyer’s platform includes built-in features like interactive lesson plans for home buyers, comparative loan searching, personalized content, and customizable communication methods to ensure every home buyer gets the right advice at the right time. With no commissioned salespeople, Homebuyer can lean into its fiduciary responsibilities, giving their customers helpful, non-biased help to buy a home. Homebuyer is powered by Novus Home Mortgage, a division of Ixonia Bank NMLS 423065.
Has raised a total of $1.52 million, including a $125K pre-seed round led by Techstars and a $1.4 million seed round from private investors.
What we like: Dan is one of the sharpest mortgage loan officers there is. His experience as the founder of The Mortgage Reports coupled with an innate talent for next-level real-estate content marketing creates a brand-new mortgage experience for first-time home buyers worth learning from.
Even as California’s population took a hit during the pandemic, new data show the state experienced a boom in home building the likes of which has not been seen since the Great Recession.
The rise in new construction — including increases in multiunit dwellings in some areas — comes as California faces a housing crisis that has sparked a push at the city and state levels to build more homes.
Experts say that although the ramped-up construction has helped, it is not enough — at least yet — to seriously reduce high rents and housing prices.
The data from the California Department of Finance show statewide housing production in 2022 increased 0.85%, the highest figure since 2008. That growth could eventually help combat the high cost of housing in California, demographic experts say, and plug the population drain.
Home construction rose in 2020 and 2021 but really took off in 2022, showing the biggest jump since 2008.
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Though 2008 — the year a housing-driven financial crisis plunged the United States into the Great Recession — may be an ominous comparison, lawmakers have stated that additional housing is key to solving the state’s affordability crisis, with Gov. Gavin Newsom pledging when he first entered office in 2019 that 3.5 million new homes would be built by 2025.
“When it takes a decade of really massive economic growth in this state for housing production to catch up to the prerecession levels, that says as much about the depths of our production crisis as it does about some kind of recent victory,” said Michael Lens, a professor of urban planning and public policy at UCLA.
Lens did point to some policy changes, including those governing accessory dwelling units, as positive steps. “Some of this is the result of smarter policy,” he said, “but it’s also a really slow rebound.”
A Times analysis of county-level data showed that between 2021 and 2022, Central and Northern California counties saw the biggest housing growth. Placer, Yuba, Butte, San Joaquin, Merced and San Benito counties led the state in growth, all above 3%.
“That’s not what we would hope,” Lens said of more rural areas adding the most housing, as Central California is “not where housing is most expensive” and “not the most economically productive area of the state.”
“The battle that we’re facing on a land-use front,” he said, is the prevalence of “overly restrictive coastal areas.”
“We still haven’t found a way to make San Francisco and the surrounding areas, and Los Angeles and its surrounding areas, build more housing more quickly,” said Lens, adding that the housing crunch has driven population loss.
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Unaffordability and the pandemic have driven several years of population loss in California, a trend that continued in 2022, when the state lost around 138,400 people, a 0.35% loss. The decline was less than in the prior years, a slowdown partially attributable to skyrocketing foreign immigration.
During the pandemic, foreign immigration plummeted, but 2022 saw levels recover to near pre-pandemic rates. California had a net gain from immigration of 90,300 people last year, almost three times the total of 31,300 the year before.
The increase in immigration, however, was not enough to stop California’s three largest counties from experiencing population loss yet again.
Los Angeles County’s population declined by 73,293 people, or 0.75%, San Diego County’s by 5,680 people, or 0.2%, and Orange County’s by 14,782 people, or 0.5%, according to the state Department of Finance report.
Overall, 46 of California’s 58 counties lost population last year. Of 482 cities counted, 356 lost population, or 74%.
“Hundreds of thousands more people would desire to live in the Bay Area — if not millions — and Southern California, if we made it easier to accommodate those people through more housing units and presumably more affordable housing,” Lens said.
A Times analysis showed that after rising steadily in the 2010s, the number of people per household dropped significantly in 2020 and has stayed low.
Overcrowding, which may have contributed to the high 2010s numbers, is “a predictable byproduct of very expensive housing,” according to Lens.
“A lot of the declines in the pandemic had to do with people needing to separate from multigenerational living,” he said, and may not reflect better housing outcomes for people overall.
While losing population, major cities built the majority of new multifamily housing, the data show. Los Angeles added 12,074 multifamily units, which accounted for 62% of net housing growth, and San Diego added 4,568 such units for 65% of net growth.
Oakland and San Francisco skewed even more toward multifamily development, adding 3,880 and 2,573 units, respectively, which accounted for 97% and 91% of growth.
Suburban cities, on the other hand, often prioritized single-family housing. All of the development — 100% — in Roseville and Santa Clarita was single-family housing, the report says. In Fresno, the figure was 92%, and in Irvine, 71%.
The housing crunch was exemplified by a boom in the production of accessory dwelling units. ADU production increased by 61% in 2022 as the state added more than 20,000 units.
In all, the state netted 123,350 housing units in 2022, the most in nearly 15 years.
The state still has a long way to go to meet its housing needs. A Times review found that although Newsom has prioritized housing issues more than his predecessors in office, he’s fallen far short of his goals.
New state-level oversight seeks to ensure that “the total number of housing units that every region is expected to build is rising,” Lens said, as well as enforcing better distribution region by region. Beverly Hills should absorb people, he said, not just the Coachella Valley.
“We expect more equitable and more productive housing construction over the next decade,” Lens said, “but it’s going to take some time and take some diligence on the part of the state.”
What’s the most boring sport to watch? After polling the internet, people voted these ten sports to be the most boring to watch of all time.
1. Professional Fencing
Image Credit: Shutterstock – Vasyl Shulga
Pro fencing could be more entertaining. Fencers are moving so fast that you have no idea what is happening. One person added, “So it’s a couple of people with swords bouncing back and forth for about 30 seconds, SOMETHING happens, and then it’s over.”
2. Little League Tee Ball
Image Credit: Shutterstock – Jonathan Novack
Another user suggested, “Little League Tee Ball when your kid isn’t up.” Finally, a third agreed, “There is nothing as excruciatingly painful as that first year of “kids pitch” baseball in the heat and humidity of a Midwestern Summer day. I cried tears of joy when my kid gave up baseball in favor of Summer vacations.”
3. Drone Racing
Image Credit: Shutterstock – BorneoJC James
Did you know Drone Racing was a sport? Someone confessed, “I saw a drone racing on ESPN the other day, and I was like “what the heck am I watching?” While many agreed with the sentiment, others suggested it’s probably fun to play.
4. American Sports
Image Credit: Shutterstock – Grindstone Media Group
American sports came in number four on this list. One said, “They’re probably not the most boring, but the endless commercials and time-outs make American sports unbearable to watch.”
Several people agreed that the commercials make watching American sports, especially football, dreadful. One admitted to loving NFL football but not watching because it takes too long with advertisements. Another shared, “Redzone is your friend. Seven hours of commercial-free football.”
5. Golf
Image Credit: Shutterstock – LightField Studios
Many people agreed that watching golf was dull. One added, “I thought watching golf was terrible until I had a long drive with my old boss during the U.S. Open. It turns out golf on the radio is worse.”
However, a ton of golfers argued in favor of watching the sport. Alledging that if you play the sport, it is not boring to watch. But they understood why people who don’t play would find it boring.
6. Rowing
Image Credit: Shutterstock – Corepics VOF
“Rowing,” one confessed, “I have been rowing competitively for years, and I understand the nuances, yet it’s still the dullest thing in the world.” While most others agreed, one admitted to enjoying watching rowing at the Olympics.
7. Boxing or MMA Fight With Two Defensive Opponents
Image Credit: Shutterstock – Master1305
Someone replied, “A boxing or MMA fight with two defensive fighters. Nothing is more boring than watching two people circle one another and actively avoid doing the one thing everyone is paying to see them do.” “Especially a heavyweight fight. The fighters are either bangers or duds, with no in-between,” another added.
8. Fishing
Image Credit: Shutterstock – Dudarev Mikhail
Fishing made the number eight spot on this list, and I’m honestly surprised it’s not higher. One user shared, “I used to film and edit for a fishing show, and can confirm.
I would have maybe 6-8 hours of footage that I’d cut down into the most exciting 22.5 minutes, which, if you don’t get excited by slow-mo fish thrashing, you’re in for a boring time.
9. Electronic Sports (Esports)
Image Credit: Shutterstock – Friends Stock
If you don’t play the game they are playing, watching esports is dull. One admitted, “As an Overwatch and OWL fan, even I can see how no one new to the game understands what’s happening.”
10. Surfing
Image Credit: Shutterstock – William.Vaccaro
Surfing. Hours of contestants are just bobbing around the ocean, and commentators are trying their best to fill the gaps in the action. One user admitted, “I still watch almost every primary contest, though.”
Another added, “The first time I watched it was during the Olympics. I realized that there is not only skill but also strategy since you’re head to head. I also learned there is so much waiting and bobbing.”
Image Credit: Shutterstock – Denis Makarenko
Who is one actress you can never stand watching, no matter their role? After polling the internet, these were the top-voted actresses that people couldn’t stand watching.
10 Actresses People Despise Watching Regardless of Their Role
These 7 Celebrities are Genuinely Good People
Photo Credit: Shutterstock.
We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble?
These 7 Celebrities are Genuinely Good People
Photo Credit: Shutterstock
Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.
These 10 Activities Are an Immediate Red Flag
Photo Credit: Shutterstock.
Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.
10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth
Image Credit: Troma Entertainment
We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.
These 10 Terrible Movies Are Still People’s Favorites
Cell phones are practically a necessity of modern life – but cell phone plans can cost a pretty penny. Whether you’re trying to cut down on your monthly phone bill or are on the hook for paying for your own cell service for the first time, these less expensive cell phone plans are worth checking out.
The best cheap cell phone plans are affordable without skimping on features like calls, texts, and data.
What’s Ahead:
Overview of the best cheap cell phone plans
Boost Mobile
Price range – $10 to $50 per month.
Network details – T-Mobile.
Contract – No contract required.
Tired of paying an arm and a leg on your cell phone bill and want to save on wireless? With Boost Mobile, you could pay as little as $10 a month for a simple, contract-free plan. Boost Mobile’s cheapest plan includes unlimited talk and text and 1GB of data. You also have the option to add on additional “data packs” if you need more data in a given month.
If you’re looking for unlimited data, Boost Mobile’s $50 per month plan features unlimited talk, text, and mobile data, along with a 12GB mobile hotspot. You can add another line to the plan for only $30 per month. Boost Mobile even features an “Affordable Family Plan” with unlimited talk, text, and data for only $150 for five phone lines.
Boost doesn’t make you sign any long-term contracts, so you’re never locked into an extended agreement. The company uses the T-Mobile network and claims to offer coverage in 99% of areas nationwide.
Learn more about Boost Mobile or read our full review.
Mint Mobile
Price range – $15 to $35 per month.
Network details – T-Mobile.
Contract – 3-, 6-, or 12-month contract.
If you’re looking for an affordable plan with unlimited data, Mint Mobile is an attractive option. The company offers unlimited talk, text, and data for just $30 per month. Data switches seamlessly between 5G and 4G LTE, using whichever is strongest in your area.
Mint also offers a basic cell phone plan with unlimited talk and text and 4GB of data for just $15 per month. All Mint plans include a mobile hotspot at no extra charge, and you can always add more data to your plan if you run out before the month is up.
Mint Mobile uses the T-Mobile network, and you can buy a new phone or bring your own (as long as it’s compatible with the network and isn’t locked).
Unlike some other cheap cell phone plan providers, Mint does require customers to sign a contract for 3-month, 6-month, or 12-month plans. The 3-month plan is a great way to give the service a whirl, and then you can always sign up for a 12-month plan in order to lock in Mint Mobile’s low introductory prices.
Learn more about Mint Mobile or read our full review.
Xfinity Mobile
Price range – $15 to $60 per month.
Network details – Verizon.
Contract – No contract required.
Some people use a consistent amount of data each month, but others may have different data needs depending on their work, personal life, and travel plans. Xfinity Mobile makes it easy to transition seamlessly between plans with unlimited data and pay-as-you-go plans with a limited amount of data each month.
Their basic plan starts at $15 per month for one line and comes with 1GB of data. Their unlimited data plan starts at $45 per month. Best of all, you can switch between unlimited and by-the-gig plans whenever you need to.
You can also purchase an unlimited plan for some lines in your group, while paying by the gig for others. This is a great option if you need unlimited data but have other family members, like young children or elderly relatives, who only need talk and text capabilities.
Xfinity Mobile uses Verizon’s network, which means that it has good coverage nationwide. You can bring your own phone to a plan, or purchase a new one. Xfinity Mobile also works with tablets and smartwatches, so you can stay connected on all of your devices.
Xfinity Mobile is only available to existing Xfinity Internet customers, so if you don’t already have Xfinity as an internet provider, it may not be the best fit.
Learn more about Xfinity Mobile or read our full review.
Ting
Price range – $10 to $45.
Network details – T-Mobile and Verizon.
Contract – No contract required.
Ting shares many great features with some of the other providers on this list: extremely low prices, flexible monthly plans, and no contract required. For example, you can purchase a plan for as low as $10 per month for unlimited talk and text, plus an additional $5 per month per 1GB of data.
But where Ting really shines is its customer service. You can contact customer support over the phone, chat online, or submit a ticket if you’re having difficulties. Ting’s customer service representatives are always there to help.
If you’re looking for unlimited data, Ting has that too, with unlimited plans starting at $45. All plans come with the option to use a portion of data as a hotspot. Ting uses the T-Mobile and Verizon networks, so odds are it provides good coverage no matter where you live.
Also need internet? Ting provides fast, affordable fiber internet in some select cities, including Charlottesville, VA, Wake Forest, NC, and Westminster, MD.
Learn more about Ting.
Cricket Wireless
Price range – $30 to $50 per month.
Network details – AT&T.
Contract – No contract required.
Many cheap cell phone companies are entirely digital affairs. While it’s possible to purchase a plan, order a new phone, and manage your account entirely online, some customers may prefer in-person assistance. If that’s the case, Cricket is a great option, with brick-and-mortar locations in communities all around the country.
Cricket plans range from $30 to $60 per month for one phone line. While these prices are a little higher than many competitors, you can lower the price per line by adding additional lines.
The $30 per month plan comes with unlimited talk, text, and 2GB of data, while the $60 per month plan comes with unlimited talk, text, and data. There are also plenty of options in between if you only use a moderate amount of data.
Cricket Wireless is owned by AT&T and uses the AT&T network for its customers. Cricket claims that they provide coverage for 99% of Americans. There’s no credit check, no hidden fees, and no annual contract, so you can change your plan at any time.
Learn more about Cricket Wireless.
Tello
Price range – $5 to $39.
Network details – T-Mobile.
Contract – No contract required.
Need a basic cell phone plan and have an extremely limited budget? You can get a basic phone plan with Tello for just $5 per month. No, that’s not a typo. Tello’s most basic plan comes with unlimited text, 100 minutes for phone calls, and no data.
But Tello doesn’t only have the least expensive bare-bones plan. At $39 per month, a plan with unlimited talk, text, and data is also extremely affordable. Plus, Tello allows customers to mix and match plan options.
You can choose exactly how much data and how many minutes of phone service you need, so you never have to overpay for services you won’t use. For example, if you use a medium amount of data but only talk on the phone a couple of times a month, you could choose a plan with 100 minutes of phone service and 8GB of data for $26 per month.
If you don’t want to bother with creating a custom plan, you can also choose from one of Tello’s premade plans ranging from $10 to $39 per month. If you need to make an international call or text, Tello’s pay-as-you-go model means that it’s surprisingly affordable.
Learn more about Tello.
Visible
Price range – $40 per month.
Network details – Verizon.
Contract – No contract required.
Visible offers an affordable cell phone plan with attractive referral bonuses for customers who convince friends and family members to sign up. The basic plan starts at $40, which is a bit higher than some competitors. But each time you refer a friend, you get a month of service for only $5.
You can also add friends and family members to your plan in order to lower your bill through the Visible’s Party Pay option. With Party Pay, costs drop to $25 per line for parties of four or more.
All plans come with unlimited text, talk, and data. Visible uses Verizon’s network, so coverage is good in most areas in the United States. You can also call and text loved ones in Canada, Mexico, the U.S. Virgin Islands, and Puerto Rico at no extra cost.
While Visible doesn’t have the extreme budget plan offerings of some competitors, it’s a good fit for customers who know they want unlimited data, text, and calling but don’t want to pay the high cost of a plan from a big three provider.
Learn more about Visible.
Twigby
Price range – $9 to $43 per month.
Network details – Verizon and T-Mobile.
Contract – No contract.
Looking for a dead-simple phone plan with built-in flexibility and excellent coverage? Consider Twigby, which offers affordable plans starting at just $9 per month before discounts.
Not only does Twigby offer reasonably priced plans, but they also feature some hefty discounts for new customers. Customers can earn a whopping 50% off the sticker price for the first six months. This means that a bare-bones plan with no data and 300 minutes costs a mere $4.50 per month for the first half of the year. A more generous plan with 10GB of data and unlimited minutes costs only $21.50 a month for the first six months.
Twigby plans also come with international calling and texting, WiFi calling and texting, and the ability to use a hotspot at no extra charge. You can buy phones directly from Twigby, or bring your own phone if it’s compatible.
Unlike many competitors, Twigby doesn’t offer any plans that come with unlimited data. The highest amount of data you can purchase as part of a plan is 10GB. For people who need to use their phones a lot without connecting to WiFi, this means that Twigby might not be the best option.
That said, Twigby offers impressively affordable plans with great customer service and plenty of extra perks. Plus, unlike big-name cell service providers, Twigby is refreshingly honest and upfront about pricing and plans.
Learn more about Twigby.
Summary of the best cheap cell phone plans
Provider
Cost for one line
Network details
Contract
Best for
Boost Mobile
$10 to $50
T-Mobile
No
Overall
Mint Mobile
$15 to $35
T-Mobile
3, 6, or 12 months
Unlimited data
Xfinity Mobile
$15 to $60
Verizon
No
Flexible data needs
Ting
$10 to $45
T-Mobile and Verizon
No
Great customer service
Cricket Wireless
$30 to $50
AT&T
No
In-person help
Tello
$5 to $39
T-Mobile
No
Budget prices
Visible
$40
Verizon
No
Referral bonuses
Twigby
$9 to $43
Verizon and T-Mobile
No
Discounts
How we came up with our list of cheap cell phone plans
We looked for cell phone plans that were affordable, flexible, and came with a variety of different options.
All of the providers on this list provide affordable, low-cost plans ranging from $5 to $60 for a single line. On the low end, you can get a budget phone plan with texting and minutes for just $5 a month from Tello. On the other hand, you can get a more moderately priced plan with unlimited data, talk, and text from almost any of these providers.
We also looked for flexibility when it came to contracts, data usage, and billing. Most of these providers let you pay month to month rather than locking you into a year-long contract. Many also allow you to seamlessly switch between plans depending on your needs that month.
Finally, we looked for plans with options. Not everybody has the same cell phone needs, and you shouldn’t have to pay for services that you never even use. These providers offer a variety of different options, whether you only use your phone to call and text, or if you primarily use it for data and as a hotspot.
What are cheap cell phone plans?
Cell phones are ubiquitous in this day and age, but they don’t come cheap. On top of the cost of the phone itself, customers also have to pay for cell phone service and the ability to call, text, and use data.
Cheap cell phone plans aim to undercut behemoth competitors like Verizon and T-Mobile by offering the same service at a lower cost. Many also offer the ability to customize and fine-tune plans according to your particular needs.
Whether you need to start paying your own phone bill for the first time or you’re contemplating switching from a pricier plan, these cheap phone plans could end up saving you a good chunk of change each month.
Who should use a cheap cell phone plan?
People who want to save money
The main draw of cheap cell phone plans is that they save you money without sacrificing quality. These plans are able to provide the same overall level of service for a fraction of the cost.
People who want a simple plan
Don’t need all the bells and whistles of a fancy cell phone plan? Many of these providers offer bare-bones cell phone plans at bottom-of-the-barrel prices.
Who shouldn’t use a cheap cell phone plan?
Those locked into a contract
If you’re already locked into a contract with another provider, it could be costly to switch. If you’ve bought a phone from another provider, you may not be able to use that phone with a different carrier.
Those who are happy with a traditional cell phone plan
If you’re happy with your current coverage, there’s no need to switch. That said, you’ll likely be able to find a better deal with a cheap cell phone plan.
Most important features of cheap cell phone plans
While cheap cell phone plans share many similarities, they’re not all created equal. Which one is the right fit for you depends on what features matter most to you.
Cell phone coverage
Cell phone coverage is one of the most important features when it comes to any cell phone. Good coverage allows you to easily make calls and texts without any delay or lag time.
Unlimited data options
Once an optional extra in many cell phone plans, unlimited data is now one of the most sought-after features. Just keep in mind that providers will typically drop your data speed after a certain threshold, meaning that power users may face low speeds toward the end of the month.
Flexibility
Gone are the days where customers are locked into two-year contracts with big-name providers. Cheap cell phone plans usually don’t require a commitment longer than a month, and you’re free to upgrade, downgrade, or cancel your plan at any time.
Price
You don’t need to pay an arm and a leg just for decent cell coverage and high-speed data. Cheap cell phone plans can often provide the same basic services as a big provider with a much lower price tag.
If you live in California, you may have seen or heard commercials for Intelliloan, a mortgage company that boldly advertises its mortgage rates every chance they get.
Unlike many other mortgage lenders out there, who don’t even mention their interest rates or lender fees, Intelliloan puts it out there for everyone to see.
Of course, leading with your mortgage rates isn’t so easy, since they can change daily and quite significantly from month-to-month.
This might explain why Intelliloan is constantly updating the mortgage rates in its commercials – fortunately, they’ve been moving in the right direction lately, lower.
Intelliloan Fast Facts
Direct-to-consumer mortgage lender located in Costa Mesa, CA
Founded in 1993 by Darryl Preedge
Licensed to do business in 33 states nationwide
Specialize in low mortgage rates with no lender fees
Seem to do much of their business in their home state of California
First a little brief history on Intelliloan, which opened its doors back in 1993 in Downey, California.
It was founded by Darryl Preedge, who had worked for a lender for three years before venturing out to open his own mortgage shop.
The company started with just three employees, but has since grown into a national mortgage lender licensed to do business in 33 states.
At the moment, they don’t appear to lend in Alabama, Alaska, Hawaii, Indiana, Kansas, Kentucky, Missouri, Montana, Nebraska, New York, North Carolina, Ohio, West Virginia, or Wyoming.
They seem to do most of their home loan lending on the West Coast, particularly in California.
Applying for a Mortgage with Intelliloan
Intelliloan is a direct-to-consumer mortgage lender, meaning you work with them online or by phone remotely.
They say it takes about 15 minutes to get your mortgage approval started. And that process begins by filling out a short lead form on their website.
From there, they’ll ask you to create an Intelliloan account and you’ll need to provide some basic contact information.
Then you’ll proceed to fill out a loan application with the help of a loan specialist.
Alternatively, you can use the chat/text feature on their website to begin, which allows you to speak to a specialist right away if you have questions.
Or you can simply call them up on the phone to get started.
It’s unclear if they offer a digital loan application after that point, but it appears to be pretty no-frills and direct.
They say they’re big on customer service and satisfaction, so hopefully that’s demonstrated in the loan process from start to finish.
Loan Types Offered by Intelliloan
Home purchase and mortgage refinance loans
Conforming loans backed by Fannie/Freddie
Government home loans including FHA loans and VA loans
Jumbo home loans up to $3 million loan amounts
Reverse mortgages for those 62 and older
Fixed-rate options: 30-year fixed and 15-year fixed
ARM options: 5/1, 7/1, and 10/1 ARMs
Intelliloan offers all the typical stuff you’d expect from a mortgage lender, including home purchase financing and mortgage refinancing.
Their bread and butter is probably refinance loans since they offer super low mortgage rates, a key decider for those looking to refinance an existing home loan.
But they also offer home purchase financing on primary residences, second homes, and investment properties. And they’ll get you pre-approved so you can shop with confidence.
In terms of loan type, they offer conventional conforming loans backed by Fannie Mae and Freddie Mac, along with government home loans including FHA loans and VA loans.
They don’t appear to offer USDA loans, and it’s unclear if they offer construction or renovation loans.
It seems they are focused on straightforward vanilla stuff that isn’t too complicated, which allows them to close loans fast and offer low rates.
In fact, they mention in their fine print that they’re not currently accepting applications from self-employed borrowers, nor will they accept conforming loan amounts below $200,000.
However, they do offer jumbo loan financing with loan amounts as high as $3 million, and cash out as high as $500,000.
Additionally, aside from fixed-rate options, they offer adjustable-rate mortgages that are fixed for the first 5, 7, or 10 years.
And they’ve got ARM options for both FHA loans and VA loans.
Homeowners aged 62 and older can take advantage of their reverse mortgage offering as well.
Intelliloan Mortgage Rates
As noted, Intelliloan isn’t shy about advertising its mortgage rates. In fact, just about every advertisement I’ve seen from them features a mortgage rate and/or mortgage APR.
So they lead with their pricing, which is a good sign if the lowest price/rate is what you’re after when purchasing a home or refinancing an existing mortgage.
Right on their homepage you’ll see “today’s rates,” which at last glance looked pretty darn good.
For example, on the day of this post they were offering a 30-year fixed at 2.325% (2.49% APR) and 15-year fixed at 1.75% (1.99% APR). Yes, that low.
The assumptions were a $300,000 loan amount a single family, owner-occupied property in the state of California. Minimum 740 FICO and 60% loan to value (LTV).
If you don’t fit all those criteria, expect a higher mortgage rate. But still, those advertised rates look pretty enticing.
They advertised similarly low rates for high-cost conforming loans and FHA/VA loans.
Intelliloan Rate Protection Promise
Intelliloan also offers a Rate Protection Promise that provides up to three years of so-called mortgage rate protection.
Simply put, if fixed interest rates fall below your current fixed rate on a previously closed Intelliloan mortgage, you can refinance to that lower fixed rate on a 15- or 30-year mortgage.
This can be exercised at any time after the first 100 days from loan closing up until the third anniversary of the loan closing.
You won’t have to pay any non-recurring closing costs (e.g. lender fees, appraisal fee, credit report fee, escrow, title, recording, notary, courier, etc.), but you will be responsible for any recurring closing costs such as prepaid interest, property taxes, insurance premiums, HOA dues, and so on.
Basically, it’s a no cost refinance if fixed mortgage rates happen to fall significantly in the three years that follow your original transaction with Intelliloan.
Of course, you can always shop around with other lenders, and may find that another can beat them on rate and offer it without closing costs.
Either way, you need to re-qualify for the loan, so it’s not totally automatic, it’s just a discounted refinance.
Intelliloan Reviews
On LendingTree, they have a 4.9-star rating out of 5 based on more than 500 reviews, with a 98% recommendation rating.
On Google, they’ve got nearly 200 reviews and a 4.5-star rating out of 5, which is obviously very good. Most former customers seem to be very happy with their service and rates.
On Yelp, they’ve got a 4.5-star rating based on about 200 reviews as well. It appears most of their customers refinanced an existing mortgage, which seems to be their top offering.
Similarly, they have an excellent 4.93-star rating out of 5 on the Better Business Bureau website based on over 200 reviews, which is pretty unheard of.
Usually, customers head over to the BBB to complain about a company, but that doesn’t appear to be the case here.
They are an accredited business with the BBB since 1999, but only have a B+ rating at the moment thanks to 13 complaints filed against the business.
All in all, they appear to be a mortgage lender focused on offering the lowest rates possible to borrowers who have fairly straightforward loan scenarios. If that’s you, they might be able to offer you an excellent rate.
But if you’re self-employed or have a complicated loan scenario, they may not be the best fit.
Intelliloan Pros and Cons
The Good
Appear to offer very low mortgage rates with limited or no lender fees
Excellent reviews on several ratings sites
BBB accredited company since 1999
Offer most major home loan types
Can apply for a mortgage directly from their website
Intelliloan Rate Protection Promise allows you to refinance without lender fees
The Maybe Not Good
Not licensed in all 50 states
Do not offer USDA loans
May not offer construction/renovation financing or home equity loans/lines
May not be a good fit for those with complex loan scenarios
Last week, I spoke with personal-finance writer Greg Karp about how young adults can save money. We brainstormed ideas for one of his upcoming newspaper columns. “I’m willing to bet that many young people can save money by cutting back on their cell phone,” I said. “It’s kind of shocking how these have become a Need instead of a Want.”
“Yeah,” Karp said. “And what about prepaid phones?”
“I don’t know anything about them,” I said.
“They’re great,” Karp said. “My wife and I are saving hundreds of dollars a year by switching to prepaid phones. I’ll send you a link to an article I wrote.”
It turns out that Karp is something of a prepaid phone evangelist. But no wonder! In this piece from last December, he describes the benefits of switching two cell phones in his household to prepaid:
The net result is savings of about $800 per year, compared with a family plan through a major contract wireless carrier. I haven’t missed my former plan at all. And I’ve cut my monthly cell phone cost to less than $10. My reception and call quality are actually better.
Karp documented his plunge into prepaid phones with two posts to his blog. In the first, he explains why he decided to make the change. In the second, he actually describes the process of switching to prepaid. (This last post was very helpful to me. My big hang-up on making these sorts of changes is figuring out how to actually do them.)
I’m in the middle of an iPhone contract with AT&T but I generally don’t come anywhere close to using all of my 450 monthly minutes. (I had accumulated thousands of rollover minutes until I blew those all away with a phone-intensive business project in March.) I’m willing to consider moving to pre-paid once my current contract is over. When I do, I’ll check out the following providers:
Consumer Reports had an article in its January 2009 issue about how to buy a prepaid phone. Also, check out the following from 20-Something Finance: A review of Net10’s prepaid wireless service
That last article contains some shocking numbers. In the U.S., only 16% of adults use prepaid phones, but:
Elsewhere around the world, prepaid is the norm. Prepaid market share is 35 percent in France, 66 percent in the United Kingdom, 76 percent in Hong Kong, and 90 percent in Italy, according to a recent Federal Communications Commission report.
Basically, major consumer advocacy organizations are proponents of prepaid cell phones, and they’re beginning to catch on among the financially savvy. But so long as it’s more profitable to pitch traditional cell plans, you’re not likely to see a mass movement to prepaid in the United States.
Addendum: Consensus among the commenters seems to be that prepaid cell phones make sense for those who are low-volume users. If you’re a heavy cell phone user, you’re probably still better off with a contract. Your best bet is to spend the time to run the numbers.
Inside: Working mothers face many challenges when balancing work and family life. This guide offers the best jobs for moms. Find out how to maximize your career opportunities while raising children.
Moms often feel like they can’t have a successful career and be a good moms at the same time.
I completely feel that way too. I struggled to be a stay-at-home mom when my kids were little because I wanted to help out financially to help pay down debt. It took me a few years, but I soon realized there are great ways to make a mom and be a great mom!
I have uncovered plenty of jobs for moms with no degree that offers flexible hours, good pay, and satisfying work.
The best jobs for moms with no degree are ones that offer flexibility, good pay, and room for growth.
It can be tough to balance family and career, but it is possible to find a job that fits your lifestyle.
Here are the best jobs for moms with no degree or with a degree.
What jobs are good as a mom?
As a mom, finding a job that allows for flexibility and growth can be challenging, especially if you don’t have a college degree.
However, there are still plenty of opportunities out there that can help you balance your family and career.
Most importantly, you need to find a job that you LOVE! An environment that you thrive in!
With flexible schedules, remote work options, and potential for growth, these jobs can provide the stability and income moms need while still being able to prioritize their families.
Whether you’re looking for a part-time job or a full-time career, there are plenty of opportunities out there for moms.
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What are the best careers for current stay-at-home moms?
Stay-at-home moms face the challenge of balancing their family responsibilities with the desire to pursue a career.
With the high cost of child care, you need to find a job that allows you to take your kids or one that offers flexibility to work around your kid’s schedules.
Hello- that is me! I am a blogger and day trader when I’m not taxing my kids around.
Your best bet is to check out how to make money online for beginners. That is where you will find the most job options that can be done from home or offer flexible schedules, making it possible to have the best of both worlds.
What are the best careers for former stay-at-home moms?
Returning to the workforce after being a stay-at-home mom can be a daunting task, but there are many careers that are best suited for moms.
You still want careers that offer flexibility, high earning potential, and a good work-life balance.
You need to consider your previous employment, any education or certificates you hold, or skills and/or interests.
As such, the answer will vary for each person reading this post. So, consider any one of these past ideas.
Best Jobs for Moms
There are plenty of great jobs for working moms.
The key is to find a position that offers the right mix of income, hours, and flexibility.
Preferably, you want a low-stress job that pays well without a degree.
Here are jobs to consider if you’re a working mom with no degree.
1. Web developer
Web development is a highly flexible and lucrative career option that is ideal for working moms who may not have a college degree. With the ability to work remotely or part-time, web development is a perfect fit for moms who need a flexible schedule.
This field is rapidly growing and in high demand, making it an excellent choice for those looking for a career change.
To become a successful web developer, proficiency in programming languages like HTML, CSS, and JavaScript is essential. Additionally, knowledge of website design and development tools is crucial to create visually appealing and functional websites.
The skills required for web development can be learned through online courses or boot camps, making it accessible to anyone with an interest in technology and design.
Benefits:
Many web developers work from home or have flexible schedules, making it easier for moms to balance work and family life.
The demand for web developers is expected to grow, making it a stable and secure career option.
Web development is a field that allows for creativity and self-expression.
Pay: The salary for a web developer varies greatly on experience, but it is possible to make six figures.
2. Customer Service Representative
Customer service representative is an excellent career option for working moms who do not hold a college degree.
As a customer service representative, you will be the primary point of contact between customers and the organization, providing information about products and services, taking orders, responding to customer complaints, and processing returns.
You can work from home part-time or full-time, and many times the work takes place remotely. To succeed in this role, you will need to have strong communication and negotiation skills, patience, and the ability to multitask.
Benefits:
The work environment is flexible, and you can work from the comfort of your home.
Job offers great work-life balance and schedule options, making it an ideal choice for working moms.
Pay: As a customer service representative, you can expect to make from minimum wage to $20 an hour.
3. Proofreader
Being a proofreader can be a rewarding and fulfilling career for individuals who have a way with words and a keen eye for grammar. As a proofreader, your primary responsibility would be to review and correct spelling, grammar, and punctuation errors in various types of written content, such as books, websites, and social media posts.
Moreover, the earning potential as a proofreader can be quite lucrative. For instance, Caitlin Pyle, a successful proofreader, made $43,000 in one year working part-time.
To get started as a proofreader, it is important to develop the necessary skills. You can start by attending a free introductory workshop or enrolling in a course that teaches the skills needed to become a freelance proofreader.
Benefits:
Great flexibility as you work on a project basis.
The significant earning potential in the field of proofreading, especially for those who are dedicated and skilled in their craft.
Rewarding career path for individuals with a passion for language and a meticulous eye for detail.
Pay: In terms of salary, the median pay for a proofreader ranges from $15.22 to $26 an hour, depending on experience and the project you are working on. Many other proofreaders earn between $1,000 to $4,000 per month.
4. Flight Attendant
A flight attendant is a career that does not require a college degree but extensive training and certification. It is an ideal job for working moms due to its non-traditional scheduling that allows them to work part-time, take extended periods off, and get out of the house.
Flight attendants can take on trips when they know they have child care covered, and stay at home for days at a time.
Benefits:
Enjoy the perks of travel.
Flexible schedules.
Great health benefits.
Pay: The pay ranges by airline, but the median salary is $65000 per year.
5. Blogger
For moms who are looking for a flexible work-from-home job that doesn’t require a degree, becoming a blogger could be the perfect fit.
With the rise of the internet, there is an increasing demand for content writers and bloggers. These jobs allow you to work from home, set your own schedule, and choose the topics you want to write about. Additionally, these jobs don’t require a degree, making them accessible to anyone who has a passion for writing and a way with words.
Blogging is another option for those who want to write about specific topics they are passionate about and share their insights with others.
Benefits:
Be your own boss.
Flexibility blogging offers – work as much or as little as you want.
Work from home.
Choose the topics you want to write about.
Pay: As a blogger, you are creating passive income through ads, affiliating marketing, and paid sponsorships.
6. Engineer
Returning to work as a mom can be a challenging transition, but leveraging your engineering degree can open up a range of opportunities for you. With your technical skills and problem-solving abilities, there are several career paths that can offer a healthy work-life balance and flexibility to accommodate your family responsibilities.
Here are ways to utilize your degree and still have the flexibility you crave:
Pursue freelance work in your field. As a freelance engineer, you have the freedom to determine your own schedule and take on projects that align with your interests and availability. Platforms like Upwork provide a space for engineers to connect with clients and offer their services on a project basis. This allows you to work on engineering projects from the comfort of your own home, giving you the flexibility to balance work and family life.
Explore part-time or remote positions with engineering firms or companies that value work-life balance. Many engineering firms recognize the importance of accommodating working parents and offer flexible work arrangements. With your engineering background, you can contribute to projects and collaborate with teams remotely, allowing you to work from home and adjust your schedule to meet the needs of your family.
Pursue a career in technical writing or content creation. Many companies and organizations require technical documentation, manuals, and instructional materials to accompany their products or services. With your engineering background, you can leverage your expertise to create clear and concise technical content.
Work as an engineering consultant. As a consultant, you can offer your specialized knowledge and expertise to clients on a project basis. Consulting also provides the opportunity to work remotely or have a flexible work arrangement, making it an ideal option for moms returning to work.
By expanding your knowledge and skill set, you can position yourself for more opportunities and increase your marketability in the engineering field.
Benefits:
This can be done on a freelance basis or as a remote employee, allowing you to work from home and have more control over your schedule.
Take on projects that align with your skills and interests.
Have a fulfilling career that allows you to balance work and motherhood successfully.
Pay: Additionally, engineering offers high earning potential, which can help support a family and provide financial stability. Most engineers earn over $100000 a year.
7. Virtual Assistant
For working moms with no degree, finding a job that balances well with their family life can be a challenge. However, virtual assistant jobs can be the perfect solution.
As a virtual assistant with no experience, you can work from home, set your own schedule, and earn a good income.
A virtual assistant provides administrative support remotely, handling tasks such as email and social media management, scheduling appointments, data collection, customer service, and event planning. The skills required for this job include strong multi-tasking, organizational, and time-management skills, as well as basic computer skills.
Here is a virtual assistant checklist to see if you would enjoy this job possibility.
Benefits:
Be the boss of your own schedule.
Build your own small business if you desire.
Earn significant income
Pay: Most virtual assistants can earn $21 an hour or more pending experience.
8. Teacher
Teaching can be an excellent option for moms who want to work in a field that values education and have the same schedule as their kids.
Plus you can take on one of these summer jobs for teachers to extra cash.
Another option is to become a teacher’s aide that assists teachers in the classroom, helping with tasks such as grading papers, supervising students, and preparing materials. To become a teacher’s aide, you need to have a high school diploma or GED.
Benefits:
Same work hours as your children.
Work in a field that values empathy and care for children, while also providing financial stability and work-life balance.
Most teacher retirement plans are well worth working your full 30 years for that ongoing income post-retirement.
Pay: Unfortunately, teachers are one of the lowest paid salaries for the fantastic work they do. Find out if teachers get paid in the summer.
9. Substitute teacher
Substitute teaching can be an excellent job option for working moms who don’t have a degree. It offers flexibility, a chance to get teaching experience, and a decent daily rate of pay.
A substitute teacher fills in for full-time teachers when they are absent.
This experience can be helpful if you decide to pursue a permanent teaching position in the future.
Benefits:
Allows you to work when your schedule permits. You can note your availability and work as much or as little as you like.
Gain teaching experience without committing to a full school year.
Rewarding job option for some.
Pay: As of right now, there is a shortage of teachers, so the pay for substitute teachers has increased immensely. Substitute teachers can earn a daily rate ranging from $60 to $200, depending on the school district and the region with most substitutes making $22 an hour or more.
10. Consultant
As a consultant, you can use your prior work or life experience to offer solutions and advice to clients in a wide range of areas, including sales, marketing, operations, and management.
Furthermore, consulting can be an ideal way to transition your prior work or life experience into a new career and shorten the time spent in school, making it a great option.
To become a successful consultant, you need to have strong communication skills, the ability to work independently, and experience in your field to run a successful business.
Benefits:
As a consultant, you can enjoy flexible work hours.
The potential to work from home.
Ability to control your schedule.
Pay: The hourly rate for consultants varies depending on the type of consultant and the industry, with some earning high salaries.
11. Day Trader
Swing or day trading is a popular option for individuals who want to work from home and make a living from the stock market. Day traders buy and sell securities within the same day, aiming to make a profit from small price movements.
This job requires a certain set of skills and investing knowledge, as well as specific equipment and software.
It is possible to make money with stocks fast.
Day trading can be a good option for working moms with no degree because it offers flexibility and the potential for high earnings. Personally, I love trading stocks and options. I learned from Teri Ijeoma.
Benefits:
Unlike traditional jobs, day trading allows individuals to work from home and set their own schedules.
Successful traders can make a significant amount of money, with some earning six-figure or seven-figure incomes.
While a degree is not required for day trading, I highly recommend taking this investing course to jumpstart your learning.
Pay: Widely variable as it depends on your risk. You can lose money or make $1000 a day.
12. Claims adjuster
As a claims adjuster, you will be responsible for investigating insurance claims, negotiating settlements, and collaborating with other professionals such as lawyers and medical experts. To become a claims adjuster, you will need to possess relevant experience, strong communication abilities, and proficiency in data analysis.
The work environment can be fast-paced and stressful, but the potential for career growth and the flexibility to work remotely make this an attractive option for many working moms.
Claims adjusters must also maintain accurate records and documentation of all claims activities.
Benefits:
While the work environment can be fast-paced and stressful, the potential for career growth is likely.
Flexibility to work remotely make this an attractive option for many working moms.
Pay: Claims adjusters can advance to higher positions within the insurance industry, such as senior claims adjuster or claims manager. Additionally, many claims adjusters work as independent contractors or consultants, providing even more flexibility and potential for career growth.
13. Bookkeeper
As a bookkeeper, one is responsible for monitoring a company’s cash flow by keeping track of transactions and preserving copies of receipts. The job requires great attention to detail, excellent organizational skills, and an ability to analyze and interpret financial data.
This job can be done virtually, making it an excellent position for moms who want to improve their work-life balance.
Bookkeeping does not require a degree and one can earn a decent hourly pay or salary. To become a bookkeeper, one must have bookkeeping skills, which can be learned from online courses.
Benefits:
Flexible working hours, allowing them to work whenever suits them.
Great for someone who loves analytics.
Pay: Most bookkeepers enjoy relatively high hourly salaries. They can work as independent contractors or be paid as a salaried employee.
14. Nanny
Being a nanny is an excellent option for moms who want to balance work and family life.
As a nanny, you would be responsible for taking care of children, cooking, cleaning, and running errands. The best part about being a nanny is the flexible hours, which allow you to work part-time or full-time while still being present for your family.
Finding a job that allows moms to work while still being present for their families is crucial, and being a nanny provides the perfect solution.
Benefits:
Be able to care for your own children at the same time.
Find a nanny job that works for your circumstances.
Stay young and playful while working with kids!
Pay: The pay varies widely for a nanny, but once you have experience and great references, you can earn good money.
15. Marketing Specialist
Marketing can be an excellent job choice for moms looking for flexibility, potential job growth, and the opportunity to work remotely. With the advancement of digital marketing, moms can now pursue a career in marketing without having to leave their homes or work in a traditional office setting.
As a digital marketer, there are various specializations and skills that can be honed to advance in the field. These include SEO (search engine optimization), web development, content creation, and marketing strategies.
By continuously learning and improving these skills, moms can enhance their professional reputation and open doors to new opportunities within the marketing industry.
Benefits:
Ability to work from home.
Work flexible work hours that can be adjusted to fit their family’s needs.
Digital marketing also offers potential job growth and career development.
Pay: As a marketing specialist, the pay can vary greatly if you work as a freelancer or a bigger corporation.
16. Financial Advisor
Financial advising can be an excellent career path for working moms without a degree, offering flexibility and opportunities for growth.
Honestly, I know many people who have successfully entered the workforce as financial advisors.
The first step towards becoming a financial advisor is to obtain relevant certifications and licenses, such as the Certified Financial Planner (CFP) designation. Once certified, financial advisors can work for a firm or start their own business, providing financial advice to clients.
Pursuing a career as a financial advisor can offer a good salary and work-life balance, making it a great option for working moms.
Benefits:
Help others pursue a life of financial independence.
Perfect for someone who loves numbers!
Pay: The pay for a financial advisor varies greatly, but the median salary is $75000 a year.
17. Writer
Becoming a writer can be a great career choice for moms who want to work from home and have a passion for writing. With flexibility, the potential for a decent income, and no degree required, it’s an accessible and rewarding career path.
Highly recommended to take this writing course to jumpstart your networking opportunities.
As a writer, you can work as a content writer, staff writer, or freelance writer.
Content writers produce content for websites, such as blogs, news aggregators, and e-commerce sites.
Staff writers write articles for publications, such as magazines or newspapers.
Freelance writers write for clients without being permanent employees.
What’s more important is having a way with words, strong research skills, and a passion for writing.
Benefits:
Flexibility to work on a story when you are able to.
For those with a love of English, this is a great way to express yourself.
Pay: While the average hourly rate for writers and bloggers varies, it’s possible to earn a decent income in these fields.
17. Social Media Specialist
As a social media specialist, you will manage social media accounts, create and post content, increase engagement, analyze data, and monitor social media. This role requires skills such as graphic design, writing appealing content, an eye for design, and flexibility.
Moms possess many of these skills naturally, such as multitasking, creativity, and communication. These skills can be applied to social media management, including content creation, scheduling, and community management.
Social media management is also a growing field. As a result, this job can provide moms with a stable income and career growth opportunities while allowing them to prioritize their family life.
Benefits:
Great for those who personally love social media.
Easy to work anywhere.
Pay: With an average salary of $52000 a year, this job can be done from home, making it a perfect fit for moms.
18. Human resources manager
Work-life balance is crucial for working moms, and a career as a human resources manager can provide just that.
Human resources managers are responsible for managing employee benefits, overseeing hiring processes, and handling employee relations. This job offers flexibility, including the ability to work remotely or part-time.
A career in human resources management can positively impact a working mom’s family life by providing a consistent schedule that doesn’t involve weekends or holidays.
Benefits:
HR managers are in high demand in many industries, as every organization requires HR expertise to manage its workforce effectively.
Opportunities for personal and professional growth.
Make a positive impact on employees’ lives.
Ample networking opportunities with employees, upper management, and external stakeholders.
Pay: Human resource managers often receive competitive salaries, with average annual earnings exceeding $120,000.
19. Sell on Printables on Etsy
In recent years, the demand for printable products has grown tremendously, making Etsy a great platform for working moms without a degree to earn a steady income from home.
Printables are digital files that customers can download and print at home, such as wall art, planners, calendars, and invitations.
The best part is that once you create a printable, you can sell it repeatedly without having to invest more time or money.
Check out the list of the most popular printables you can create.
Benefits:
A flexible job that allows you to work from home and set your own hours.
Earn a steady income from a single printable, which means you can focus on creating new products and growing your business.
Able to start s small business.
Pay: This is a passive income. Learn how much these sellers have made.
20. Retail associate
Many moms become retail associates to get a discount from the retailer!
Working in retail can be a rewarding and dynamic career choice. Retail jobs are generally physically demanding, as employees are often on their feet for long periods and may need to lift and move heavy items.
The nature of retail work can also be stressful, especially during busy periods such as holidays or sales events. However, it can also be an opportunity to develop and utilize various skills, particularly when interacting with customers.
Benefits:
Working part-time hours while your children are at school.
Discounts to the retailer you work.
Flexible scheduling hours.
Pay: This is a minimum wage job earning $13 an hour to $18 an hour.
21. Nursing
Nursing is a fulfilling career for moms who enjoy taking care of others.
While most nursing positions require a degree, there are also entry-level jobs available for those without a degree. Certified nursing assistant (CNA) and licensed practical nurse (LPN) are two such positions.
Both positions require certification and training, which can be completed in a matter of months. Pursuing a career in nursing as a working mom without a degree offers the flexibility to balance work and family while also providing the opportunity for career advancement.
Benefits:
Flexible scheduling around what works best for your family.
Ability to work part-time or full-time.
Great career option to take fewer hours while your children are little and more hours when they are in school.
Pay: The average hourly rate for nursing varies depending on where you work. Most certified nurses make between $32 an hour to $50 an hour.
22. Transcriber
As a transcriber, you will listen to audio files and create a document that contains an accurate record of what was said. This is one of the best jobs for moms with no degree, as most transcription companies just require you to pass their test before they give you work.
To become a successful transcriber, you will need fast typing skills, attention to detail, and the ability to sit for long periods of time. You may also need to purchase special transcribing equipment, depending on the company you work for. Most transcription jobs will require the ability to type 75 WPM or more.
This is a great non phone work from home job.
With the right skills and tools, you can become a successful transcriber and earn a decent income. So if you are a fast typer with an eye for detail, consider taking a free mini-course to find out if this is the right job for you.
Benefits:
Transcription jobs from home are available remotely and work as many hours as you want.
Set your own schedule.
Make money by meeting deadlines.
Pay: Generally, transcriptionists earn around $19 per hour in the US, but this can be more depending on your employer.
23. Graphic Designer
Graphic design is an excellent job for working moms with no degree, as it allows for significant flexibility in working hours and can be done from home.
As a graphic designer, you will be responsible for creating logos, designing websites, and developing marketing materials such as brochures and flyers. To succeed in this field, you’ll need to be creative, detail-oriented, and able to work with clients to meet their specific needs.
Benefits:
Balance their family responsibilities with a fulfilling and rewarding career.
Perfect to showcase your creative side.
Pay: With a median annual wage of $48000 per year, graphic design is a lucrative career that offers plenty of room for growth and advancement.
24. Online Coach
Being an online coach is a great job for individuals who are looking to earn money online without a degree. While some online coaches do gain certifications, it is not always necessary.
There are several types of coaching fields to enter, including career coaching, life coaching, health coaching, family coaching, and fitness coaching. It is advisable to choose a field that you have experience in or feel comfortable handling.
As a life coach, for example, you can assist clients in achieving their goals, dealing with self-esteem issues, or working on relationships.
Benefits:
Freedom to set your own schedule and work from home, which allows you to balance work and family responsibilities.
Potential to earn a good income, especially if you specialize in a high-demand niche and build a strong client base.
Viable career option for working moms without a degree.
Work remotely from their computers and communicate with clients online.
Pay: Most coaches make between $30 an hour – 100 an hour pending experience.
25. Counselor
Counseling is indeed a vital service that plays a crucial role in helping individuals and families overcome difficult challenges.
As a counselor, you work closely with clients to address various issues and support them in achieving their personal and professional goals.
Counselors can work in diverse settings, including private practices, mental health centers, schools, substance abuse centers, or government institutions. This allows for a wide range of opportunities and flexibility in terms of work environment and schedule. Additionally, advancements in technology have made it possible for counselors to provide their services online, further expanding the accessibility and convenience of counseling.
Benefits:
Flexibility to work part-time or full-time.
Making a positive impact on the lives of others and contributing to their well-being is a significant aspect of counseling that attracts many individuals, including moms, to pursue this profession.
Offers a fulfilling and financially rewarding career path.
Pay: The average hourly rate for counselors is $39 an hour.
Other Jobs Options to Consider:
Home Health Aide: Care for patients in their own homes. Many opportunities for part-time work.
Personal Care Aide: Assist clients with daily tasks such as bathing, dressing, and grooming. Flexible schedules are available.
Event Planner: Plan and organize events such as weddings, conferences, and parties. Can often work on a freelance or contract basis.
Photographer: Take photographs for a variety of purposes such as weddings, events, or marketing materials. Can often work on a freelance basis.
Personal Trainer: Help clients achieve fitness goals through exercise and nutrition coaching. Can often work on a freelance or contract basis.
House Cleaner: Clean homes or businesses on a regular basis. Offers flexibility in terms of schedule and workload.
Online Tutor: This job involves teaching students online in various subjects. Skills required include teaching ability, subject expertise, and communication. To balance work and family life, set a schedule and prioritize family time.
Translator: This job involves translating written or spoken content from one language to another. Skills required include fluency in multiple languages, attention to detail, and communication. To balance work and family life, set a schedule and prioritize family time.
Pet Sitter/Dog Walker: This job involves caring for pets while their owners are away. Skills required include love for animals, responsibility, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
Personal Shopper: This job involves shopping for clients and delivering their purchases. Skills required include organization, communication, and time management. To balance work and family life, set a schedule and communicate with clients to ensure availability.
What to consider when choosing a job for working moms without a degree?
Working mothers without a degree face many challenges when it comes to finding a job.
They need to find a balance between their family and career commitments, and they also need to find a job that is flexible enough to accommodate their schedule. Here are the things to consider when looking for a new job.
1. Hours and Shiftwork
For working moms being able to control their own schedules allows them to be present for their children’s needs while also earning an income is extremely important. It is important to consider the hours you have available to dedicate to a job along with the shiftwork necessary when choosing a job.
Think about whether you want to go part-time or full-time.
Also, weekend shifts are also an option for those who need to work around their family’s schedule. Even better, remote work has become increasingly popular and offers even more flexibility.
2. Salary
Salary considerations play a significant role in achieving this stability a mom desires.
It is essential to explore different salary options and negotiate to ensure that you are being fairly compensated for your skills and experience.
Consider starting salary, the potential for growth, benefits packages, and negotiation when exploring job options.
3. Responsibility and Stress
As any working mom can tell you, being a working mom can be an incredibly stressful experience. Mothers often have to balance their work responsibilities with household chores and childcare, which can be overwhelming.
Finding a job that balances responsibility and stress is crucial for working moms to maintain their mental and physical health, and to be able to provide for their families.
4. Level of Education Required
As a working mom, it is important to consider the level of education required when choosing a job.
Plus, it is crucial to research job requirements and considers personal interests and skills when selecting a job. By doing so, working moms can find a job that offers flexibility, decent pay, and job satisfaction.
5. Professional Licenses and Certifications
Obtaining, professional licenses and certifications is an excellent way for working moms without a degree to increase their job opportunities, earn higher salaries, and improve job security.
These certifications and licenses are often required for specific industries, such as healthcare, education, and law enforcement.
With so many options available, it’s important for working moms to explore the various certifications and licenses that are relevant to their industry and career goals.
6. Work-Life Balance
Balancing work and family life is a challenge for anyone, but it can be particularly daunting for working moms.
However, there are several factors to consider when choosing a job that can help achieve a work-life balance:
Flexible Work Hours: A job with flexible work hours can help working moms without a degree balance their work and family responsibilities. This can include part-time work, remote work, or jobs that allow for flexible scheduling.
Remote Work Options: Remote work can be an excellent option for working moms without a degree who need to work from home.
Company Culture: A supportive company culture can make all the difference for working moms. Look for companies that offer family-friendly policies such as paid time off, flexible work schedules, and on-site childcare.
By prioritizing work-life balance, working moms can achieve success in both their personal and professional lives.
7. Vacation and Time Off
For working moms without a degree, vacation and time off are crucial benefits to consider when evaluating a potential job offer.
Here are three factors to consider when reviewing a company’s vacation and time off policy:
The number of vacation days offered, including paid time off for sick days and personal days.
The flexibility of the policy, such as the ability to take time off for family emergencies or unexpected events.
The potential for extended leave, such as maternity or paternity leave.
8. Career Advancement
When considering a job as a mom, career advancement is an important consideration. It is essential to choose an employer and a job that offers opportunities for growth and progression in your chosen field.
Advancing in your career not only allows you to achieve personal and professional goals but also provides financial stability and job satisfaction.
Don’t underestimate the power of setting clear career goals and actively working towards them.
By investing in your skills, building a strong network, and setting clear career goals, you can pave the way for a successful and fulfilling career as a mom.
9. Job Security
Job security is especially significant for working moms, who may face more challenges in finding and keeping a job.
Typically, working moms are limited in their job options.
So, look for careers that provide financial security as well as companies with a solid track history.
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
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 business from scratch.
FAQ
You can search for remote jobs, part-time jobs, or freelance gigs.
You can also look for companies that have flexible policies in place. Also, reach out to your network and ask if anyone knows of any openings that are flexible.
Stay-at-home moms can find a variety of jobs that can be done from home and offer flexibility to work around their schedule. Here are some of the options available:
Working from home offers the benefit of having a better work-life balance and the ability to be present for their families while still earning an income.
Which Job for Moms will You Choose?
For moms who want to balance family and career, finding a job that offers work-life balance and career growth is crucial.
Not only can working increase income, but it can also lead to career advancement and personal fulfillment.
Above, we listed many great jobs for moms. You can choose a job that allows you to work from home, or one that provides flexible hours. Also, many moms like me prefer one of these early morning jobs.
Whatever you choose, make sure you find a job that you enjoy and that allows you to spend time with your family.
Know someone else that needs this, too? Then, please share!!