Creating a serene nursery for your little one can make a world of difference when it comes to optimizing your child’s sleep. With the right elements in place, you can foster an environment that promotes restful nights and happy days. So whether you’re welcoming a new baby to your apartment in Boston, moving to a rental home in Baltimore, or upgrading your toddler’s room at your home in Seattle, here’s how to set up a nursery room to promote sleep, from our sleep and home design experts.
Sleep environment is key
While there are many factors that can impact your child’s quality of sleep, two essential elements to the perfect sleep environment are a calm and peaceful space for them to rest at night and during nap times. Child sleep expert Charmian Mead from The Sleeping Baby Routine shares more information about how to set up a nursery room for sleep below:
“To encourage independent and positive sleep habits, it’s essential to create a calm and peaceful sleep environment for your newborn, baby, or toddler. As your baby grows they require a slightly different approach and adjustment to their environment but regardless of age, light, temperature, and calm are key to indicate sleep. Your baby’s or toddler’s room should be a sanctuary, a safe, comfortable place to settle. While an infant’s overall routine hugely influences their sleep, the sleep environment is the finishing touch that provides the security they need to relax and rest.”
We all want our children to have positive sleep experiences. So when planning out how to set up a nursery room, being mindful of the above advice can aid in ensuring that your child has consistent, restful sleep while in your home!
Be mindful of temperature and darkness
As Charmian noted above, room temperature and lighting (or lack of lighting) play a crucial role in optimizing your child’s sleep. While preferences may vary by individual, our experts have shared some amazing tips to help optimize temperature and lighting to aid in getting a great night’s sleep: “Infants and children thrive on routines and consistency, especially with sleep. The ideal environment is 68-72 degrees, completely dark, with white noise playing. Another key is a consistent routine leading up to bedtime. For more information or help getting your infant or child sleeping better, Lisa at Sleepytime Sleep Consulting has got you covered.” Shared Lisa Rietzke, RN, BSN.
Maintaining an appropriate temperature in your child’s nursery is important for their comfort and safety, however, it is sometimes easier said than done – especially during colder months. Katie from Slumber & Sproutsuggests “the use of sleeping bags / sleepsuits for little ones who aren’t yet in a bed because they are a great way to ensure that you have dressed your little one appropriately for sleeping. A comfortable room temperature is between 19-22 degrees Celsius. In the winter we recommend that you warm the room with a safe heater and keep the heater a safe distance from the sleep space to avoid overheating.”
Xan Coffman, founder and certified infant and toddler sleep expert at My Baby Sleepology also shared some great insights on the effect of proper lighting for your child’s nursery, stating that “Creating the perfect sleep environment for your baby is key to fostering restful nights and naps. Start by keeping the room dark with blackout curtains to block any outside light, helping your baby understand that it’s time for sleep and to elevate their natural levels of melatonin.
White noise machines or a gentle fan can work wonders by masking household sounds and creating a soothing atmosphere.”
Consider using white noise machines
As Xan mentioned above, white noise machines can be a game changer for child sleep. They help drown out household noises and create a consistent sound environment that can comfort babies. Katie from Slumber & Sprout also provided great information on the best techniques for noise control:
“We recommend the use of continuous white noise throughout the entire night and for all naps. Babies are used to noise. The womb is as loud as a vacuum cleaner, so to a baby, the sound of white noise is very soothing. We recommend using it at safe volumes of no louder than 50Db and positioned at least 2 meters away from your baby’s sleep space. You can download an app called “dB Meter” to test the dB level. As babies get older, the use of white noise is soothing but it’s also helpful in filtering out any noise disturbances (creaky floorboards, morning work alarms, dogs barking, traffic, etc.).”
Look for machines with adjustable volume settings and various sound options, such as ocean waves or gentle rain. You should also consider soundproofing options to promote a peaceful environment. Rugs and fabric wall hangings can be used to absorb sound, and door sweeps and weather stripping to block outside noise.
Safe bedding and mattress selection
Choosing the right bedding is vital to creating the perfect sleeping environment for your child. The team at Rockabye Rockies shared that “For babies ages 0-12 months old a safe sleep environment is critical for their safety and wellbeing. A crib with a firm mattress and no pillows, bumpers, stuffed animals, or cords nearby will prevent strangulation and suffocation.” With infants being especially vulnerable to safety concerns that arise with certain types of sleeping environments, ensure that you remain mindful and hyper-vigilant when creating their nursery!
Seemingly small factors can make a significant difference in your baby’s sleep. Dr. Summer Hartman from Newborn Sleep Company expresses that “Designing a newborn’s nursery with the perfect sleep environment is important for healthy development. To create a peaceful atmosphere, opt for soft, neutral colors, and a red night light and invest in a comfortable crib mattress.
I recommend Newton Mattress, Swaddle (Miracle Blanket), and using brown noise machines to mask external sounds. Consider placing the crib away from windows and doors to minimize disturbances. Using a firm, flat mattress that fits snugly in the crib to prevent any gaps and sticking with fitted sheets made of breathable materials creates a safe environment for your child. We also suggest reading reviews and choosing reputable brands that prioritize the safety of your little one.”
Use night lights to help your child sleep
As several of our stellar experts have mentioned above, investing in noise machines and night lights can make a big difference in figuring out how to set up a nursery room for your child’s sleep. “For older children ages 2+, I recommend adding a low voltage red or orange-hued nightlight to their bedroom. Developmentally, their imagination begins to introduce ideas like ghosts in the corner and monsters in the closet, so allowing them to see around the room after lights out can help alleviate these fears,” shared the team at Rockabye Rockies.
Khadijah from My Night Light elaborated on the use of night lights, adding that “Fear of the dark is one of the main reasons children often feel anxious at bedtime, especially when transitioning to sleeping on their own.
Creating a comforting atmosphere, including a warm light, can foster positive sleep experiences. Sleep specialists recommend using red light at night because it doesn’t disrupt sleep hormones like bright, blue-white lights can. This makes Duski Night Lights an excellent choice for parents who want to create a calm, secure environment that encourages restful sleep for their little ones.” It’s also helpful to note that night lights can provide a gentle glow, making nighttime feedings and diaper changes easier without fully waking your baby.”
Establish a sleep routine
While the room environment cannot be discounted when exploring how to set up a nursery room to optimize your child’s sleep, consistency is also vital. Establishing a sleep routine that follows the same steps each night is key to signaling to your baby that it’s time to wind down.
Dr. Aubrie, founder of Sleepfull Baby suggests that you “avoid screens, bright lights, and overstimulation before bed, and try to stick to a regular, early bedtime. Including a consistent bedtime routine is also essential in establishing healthy sleep habits over time. A warm bath, a gentle massage, stories, or lullabies are all you need to help signal that it’s time to sleep. The perfect sleep environment is safe, cozy, and promotes restorative sleep.”
Photo courtesy of @thesleepingbabyroutine
If you are looking for help establishing a consistent routine for your child, Charmian Mead from The Sleeping Baby Routine also recommended a great routine that will help aid consistency as your child grows and their needs evolve:
“On the 7 pm to 7 am Sleeping Baby Routine, the ideal sleep setup evolves as your child moves from newborn to toddler.
0-3 months: Create a quiet, dark bedroom, and use a sleep position in which you swaddle your infant and tuck them into a Moses basket or crib with a cellular blanket. Ensure that the room temperature is 18-21 degrees Celsius.
4-8 months: Maintain a quiet and blacked-out bedroom, alter their sleeping position to a sleeping bag in a cot, and keep the room temperature between 18-21 degrees Celsius.
8 months – 2 years: Ensure a quiet room and draw the curtains. Place your child in a sleeping bag and comforter to settle for the night. It’s recommended to introduce a nightlight or wake-up clock at 2 years of age.”
Establishing a good sleep environment helps ensure deep, uninterrupted sleep, making settling easier — and as they say, “sleep breeds sleep.” Consistency in routine is no easy feat, but putting effort into a set sleep routine will set your child up for sleep success as they grow and develop!
Improve your child’s sleep in a family bedroom
While it may be a dream of yours to create a solo sleep space for your child, sometimes children (through necessity or preference) will find themselves sleeping with you. Below Tiffany Belanger, a safe cosleeping educator from the Cosleepy blog, has great tips to make cosleeping safe and rewarding:
“If you have a young child who sleeps better when they’re in your bedroom, my advice is to go with it! Move clutter and nonessentials out of the room to create a calm, comfortable “family bedroom” that maximizes sleep for everyone in the family. You’ll want a big, firm mattress to support your little one’s growing body. If you put it directly on the ground, you’ll enjoy cooler air throughout the night and you won’t have to worry about anyone falling off the bed. Enjoy your giant nest, if you can, because this is a temporary season of life! Your little one will be big, and in their own bedroom, in the blink of an eye.”
Regardless of your child’s sleeping situation, safety should always be the top priority. Don’t fret if your child prefers to sleep with you, enjoy the time while it lasts and achieve a safe environment using the simple tips above.
How to set up a nursery room for sleep: in a nutshell
Improving your child’s sleep involves thoughtful attention to various factors, from temperature and lighting to safety and organization. By creating a cozy and calming environment, you can help your little one enjoy the restful nights and peaceful days that both you and your child deserve.
Creating a coffee bar at home is a great way to elevate your daily coffee experience and add a personal touch to your kitchen or living space, even in a rental. Whether you’re renting a home in Portland, OR, buying a home in Burlington, VT, or searching for an apartment in New York City, NY, having a dedicated space for your coffee essentials can transform your morning routine into a more enjoyable and relaxing ritual. From the smell of freshly brewed coffee to the convenience of having all your favorite beans, mugs, and brewing equipment within reach, a home coffee station is a perfect blend of function and style.
Designing a coffee bar at home that suits your taste involves considering things like space, equipment, and aesthetics. With a little planning, you can create a coffee corner that reflects your personal style while ensuring you have everything you need to craft the perfect cup. With tips from experts in the coffee and home design fields, we’ll show you step-by-step how to create an at-home coffee bar that caters to your unique needs and enhances your home coffee experience.
1. Figure out your space
When planning a coffee bar at home, the first step is determining the best spot for it. “Creating a space that suits how you want to make coffee and is enjoyable to use is the best way to grow your love of creating the perfect-tasting coffee at home,” shares Toby, the coffee expert behind Coffee with Conscience.
The good news is that you don’t need a large area to create a functional and stylish coffee setup. Whether you have an entire countertop to dedicate or just a small corner to spare, the key is to work with what you have.
Counter top vs coffee cart
“Creating the perfect home coffee station is all about thoughtful organization and quality essentials,” advises Brigette Romanek, interior designer and blogger at HomeDecorFull. “Start with a dedicated counter space near an outlet, using a small shelf or cart if space is limited.”
Whether you’re passionate about having a variety of brewing equipment on display or just tight on counter space, “Consider using a rolling cart for a flexible coffee station that can move around your space,” recommends blogger Gina Dickson of Intentional Hospitality, a blog providing tips and advice on hosting at home.
Stick to the essentials
Once you’ve identified the perfect spot for your home coffee bar, consider the flow of your daily routine and the accessibility of your coffee essentials. “Keep your most-used items within easy reach, arranging them by workflow (like grinder, filter, brewer, then cups),” recommends Romanek from HomeDecorFull.
No matter the size of the space, the goal is to make your at-home coffee bar an organized, inviting spot that streamlines your coffee-making process. “Avoid cluttering your coffee space with unnecessary gadgets,” shares Matthew Barry, roaster and owner of Ember Coffee Co. in Big Lake, MN. “Ensure that at least half of your setup has open space for cup placement; keeping it clean and minimal makes it easy to stay organized while showing off your beautiful setup.”
Image by Bruvi
Compact is key
A minimalist setup not only saves space but also keeps your area looking tidy and visually open.
“When space is at a premium, I like to opt for compact brewers that don’t require much counter space,” suggests Jon Clark from the Nomad Coffee Club, a premium coffee bean subscription service.
“Even space-challenged coffee lovers can set up a coffee bar,” agrees Diane Kuyoomjian at Bruvi, one of the freshest and most versatile pod coffee brewers on the scene. “Whether you use a kitchen counter or a free standing cart, a versatile single-serve brewer that makes both coffee and espresso will provide all the barista vibes in a small footprint.”
Maximize a small space
In small spaces, every inch counts, so keep your coffee bar clutter-free by sticking to the essentials and storing extras out of sight. “Maximize vertical storage with stackable storage canisters for beans and accessories, while a small tray beneath your equipment protects surfaces and keeps everything tidy,” says Robert Gomez from Kaffe Products, a company where you can find all the essentials for coffee at home.
Even the smallest corner, windowsill, or unused wall can be transformed into a functional coffee station with the right organization. “A wall-mounted shelf or a pegboard and stackable storage containers can add an aesthetic backdrop for your coffee bar while also providing storage for beans, reusable filters and coffee scoops,” recommends the team at Nomad Coffee Club.
2. Choose home brewing equipment for your coffee bar at home
After you figure out your space, the next step to creating your coffee bar at home is in choosing the right equipment to get the job done. The type of coffee brewer you should choose for your home coffee setup largely depends on what kind of coffee you like to drink, the amount of space you have, and of course, personal preference.
“It may sound simple, but there’s no point in spending hundreds of dollars on a shiny espresso machine if it just collects dust once the novelty wears off,” shares Toby of Coffee With Conscience. “Good coffee is about the taste as much as the art of creation.”
“As a passionate home brewer, it’s easy to get caught up in buying every new device,” confides Syeh Naveed, the face behind the blog The Need for Coffee. “While fancy equipment can be tempting, if your brewing space isn’t clean and organized, it detracts from the experience. And worst of all, having too many brewers can lead to decision fatigue.”
Naveed suggests simplifying your home coffee setup by sticking to one or two devices, helping to keep things simple while still maintaining your options. Your home coffee bar might have multiple coffee contraptions, but make sure they are each serving a distinct purpose, focusing on the following brewing methods.
Pour-over
Pour-over coffee is a hands-on brewing method that gives you more control over how your coffee turns out, letting you really bring out the unique flavors of the beans. You simply pour hot water slowly and evenly over ground coffee in a filter, which results in a clean, smooth cup with lots of depth. Since you can tweak things like the water temperature, grind size, and how you pour, it’s perfect for anyone who loves experimenting to create their ideal brew. Plus, it’s simple and has a nice, relaxing ritual to it, which makes it a go-to for many coffee lovers.
“You don’t need a ton of fancy gear to brew amazing coffee at home – just stick to what makes you happy,” suggests Alejo Galindo, one half of the duo at friendly coffee resource The Coffee Nerds. “A glass flask style brewer is a solid choice for manual pour-overs and easy to store when not in use. Just make sure to have a decent grinder and a water kettle for best results.”
Handheld presses, plungers, and stovetop espresso
Handheld tools, like portable espresso makers, manual presses, or stovetop brewers, are a great option for coffee lovers who want to enjoy stronger coffee on the go, in small spaces, or on a budget. These compact devices use manual pressure to brew rich, concentrated coffee without needing a bulky machine. While they require a bit more effort compared to automatic machines, they offer tasty results and the flexibility to brew anywhere, whether you’re at home, traveling, or camping.
“If you love espresso and are short on space, a manual coffee press will take your love for coffee out of this world. Easy to use and easy to clean this brewer provides a fantastic concentrated coffee with a unique design and consistent results,” shares Matt Milletto, owner of classic Portland, OR roaster, Water Avenue Coffee.
“Handheld espresso makers are perfect for espresso-based drinks without taking up any counter space,” Galindo agrees.
Another recommendation comes from the experts at Pawling Coffee Roasters in Pawling, NY. “A plunger-style coffee device is ideal because it brews high-quality coffee without taking up much space. Once you gauge how much coffee you use per batch, you can eyeball it going forward. As long as your setup is organized, it looks great and lets you focus on what really matters: the delicious taste and aroma of freshly brewed coffee.”
Jim D’Andrea from Maker’s Coffee Company adds, “Brewers like these fit any kitchen and produce amazing results. An electric kettle adds a simple way of heating water to ideal brewing temperatures which makes a huge difference in taste.”
Automatic machines
Home coffee machines are a great investment for coffee lovers who want to enjoy cafe-quality brews right from their kitchen. These machines come in various types, ranging from manual and semi-automatic to fully automatic and super-automatic models, each offering different levels of control over the brewing process.
“When creating your home coffee station, there are many options,” agrees Home Coffee Tips author Ben Farrer, a trusted source for many types of brewing equipment. “For something modern, easy to use and space-saving, I would recommend a pod machine for convenient espresso. If you want to take it to the next level, I advise a home espresso machine and an electric burr grinder.” To complement your espresso-making setup, Ferrer adds, “You can buy plenty of coffee brewing accessories to match your kitchen aesthetic, like wooden tampers and coffee mats.”
Drip coffee makers are another automated classic that give you an easy and consistent brew every morning. “My favorite drip coffee maker is my go-to for the best drip coffee every morning,” says Milletto from Water Avenue Coffee. “It’s compact, precise, and delivers 8 perfectly brewed cups, bringing the local coffee shop into your kitchen.”
“Treat yourself to a good espresso machine, steam pitcher, tamping mat, and knock box to elevate your coffee space,” adds Carol from decaf coffee provider based in Springdale, AR, Talking Crow Coffee Roasters.
“Finish off your coffee brewing setup with a scale,” Carol continues. A scale can be used for multiple different brewing methods to help find consistency by measuring the amount of coffee and water used in your brewing process, ensuring a more predictable cup every time.
As the professionals at Seattle-based Langskip Coffee suggest, experimenting with different brewing methods to find your ideal cup of coffee is one of the key steps to creating the perfect coffee bar at home.
3. Invest in a burr grinder
If you’re looking for the quickest way to elevate your home coffee experience, burr grinders are essential if you value consistency and control over the grind size of your coffee beans. Mindful consumption blogger Laura Yoder at Black Coffee Beautiful nods her head to the importance of a grinder, sharing, “A grinder gives renters an opportunity for high-end flavors, even if space is limited and the budget is tight.”
Unlike blade grinders, burr grinders use two abrasive surfaces (burrs) to crush coffee beans evenly, resulting in a more uniform grind that enhances the flavor and quality of the brew. “The biggest difference between average and great coffee is the quality of the grind, and a burr grinder delivers consistent results,” confirms Berry of Ember Coffee Co.
“Don’t skimp on your grinder while you splurge on your brewer – flip that around,” seconds Matt Boshart, owner and head roaster of Reboot Roasting located in Omaha, NE. “A high-quality burr grinder should be the focus of your home setup.”
4. Use good quality coffee beans
Whether you’re using a simple drip machine or an elaborate espresso setup, starting with quality coffee beans ensures that your brewing efforts result in the best possible taste, making every cup more tasty. “You don’t need a complicated setup for delicious coffee at home,” confides owner of Florida-based Coast to Coast Coffee, Matthew. “The two most effective tips to achieve coffee nirvana are to first, get your hands on freshly roasted beans. Second, grind them right before brewing.”
Keep your beans fresh
The freshness of the beans you’re using is important—treat coffee like an item with an expiration date, and don’t grind the beans until right before brewing for more flavor. To keep your beans staying fresh, Michelle Kaliher from the spooky themed roaster Sinister Coffee and Creamery in Portland, OR recommends storing your beans in an airtight container, away from light and heat. “Whether you prefer the bold richness of plunger coffee or the clean, smooth taste of a pour-over, this keeps the beans fresh and full of flavor,” Kaliher advises.
Try a coffee bean subscription
Coffee bean subscriptions are another way to ensure a steady supply of fresh, high-quality coffee delivered right to your door. Francesca from the Lux Cafe Club, a service that provides customers with high quality coffees, reminds that the key to a great home coffee experience is freshly roasted beans. A subscription service allows for delivery of premium coffee at intervals that suit your coffee habits, with a range of options allowing you to select your preferred roast level, grind size (or whole beans), and even specific flavor profiles.
Sample different flavor profiles
If you’re looking for a fan favorite, “Try a medium roast, which offers a bright and balanced flavor that everyone can enjoy,” says Claudia at Haymaker Coffee. By using high quality coffee beans in your daily coffee ritual, you can tailor your coffee experience to your taste preferences. Whether you enjoy light, fruity notes or deep, rich flavors, investing in quality coffee beans is essential for unlocking the full potential of your home coffee bar.
5. Keep your at-home coffee bar organized
As you develop your coffee bar at home, staying organized is crucial for both efficiency and aesthetics, ensuring that your space is easy to use and visually appealing. “If you want to create the perfect home coffee space, the best one is the one you’ll use,” advises Toby of Coffee with Conscience.
“Focus on keeping things simple with quality brewing equipment and smart storage solutions for your beans,” says Katie, author of motherhood and coffee blog KT Likes Coffee. “A clutter-free setup makes your morning coffee ritual smoother and more enjoyable.”
Tips and tools for an organized coffee bar
“Home coffee setups can take up quite a bit of counter space, especially if you dive deeper into the hobby,” confides Andrew Richter, founder and head roaster at New York-based Gotham Coffee Roasters. “My most recent coffee bar additions have been a mountable power strip to free up outlet clutter, and a dedicated paint brush to clean my messy grinder. Keeping a work area neat helps free up space whether you’re at home or in a professional shop.”
“Use space-saving organizers like hooks to hang your cups and dosing vials for your favorite specialty coffees,” adds Ember Coffee Co’s owner. “Efficiency is everything—plus, storing your beans in neat little vials helps you keep the space tidy and stylish.”
The professionals at Haymaker Coffee suggest keeping organized by using clear containers for your coffee and tools, making everything you need for making coffee at home easy to find. Clear, labeled jars not only help you quickly find what you need but also add a clean, decorative touch to your coffee bar.
By maintaining an organized home coffee station, you create a space that’s both functional and beautiful, making your coffee routine smoother and more enjoyable.
6. Let your coffee station be an expression of your style
As you develop your coffee bar at home, personal touches are what make a coffee station feel like it belongs in your space. Styling your coffee corner is an opportunity to have fun and express your creativity while making your coffee routine more enjoyable. “A plant or two, a jar of cinnamon sticks, and a cozy mug make the space feel warm and inviting,” affirms Lauren Dryer from the Scandi-inspired Langskip Coffee.
However, there are many ways to help your home coffee bar feel more personalized.
Image by Pottery with Eleni
Display unique mugs and drinkware
“The perfect home coffee station combines style and functionality, creating a cozy corner to elevate your daily ritual,” emphasizes Eleni, the potter behind Pottery by Eleni. “Start by adding a special touch with a handmade mug, offering both beauty and comfort with each sip. Complete the look with a cream and sugar set, a charming countertop accent that keeps essentials within easy reach while adding an artisanal flair to your space.”
Double-walled glass mugs also offer a stylish touch to your space while keeping your coffee at the perfect drinking temperature, and come recommended from the experts at Kaffe Products.
“Set out a coordinated set of mugs for a cohesive look,” agrees Diane from the pod machine company Bruvi. “Showcase your style with sugar and spoons in attractive containers like neutral ceramics or baskets on a small tray.”
Use decorative organization
“Our mantra is to minimize clutter but maximize style,” continues the coffee experts at Bruvi. “Clear glass or acrylic canisters don’t take up visual space but are a great way to display coffee pods.”
For easy clean-up and mess-free brewing, Nomad Coffee Club recommends adding a stylish coffee tray to minimize messy grinds or coffee stains on your countertops.
“Use a small, dedicated corner with floating shelves for easy access to mugs and coffee beans,” adds Gunnar Monson, the face behind Sasquatch Coffee in Oregon. “Keep your home coffee bar organized with labeled jars for beans and tools, making your morning brew as seamless as it is enjoyable.”
Add art and other personal touches
“Don’t be afraid to showcase your personality through quirky signs, vintage finds, or color schemes that speak to you,” advises Stephanie LeBlanc, author of the home styling blog Celebrated Nest. “Remember, your coffee bar should reflect your taste while still being practical – it’s all about making your daily brew feel special.”
“I love tying in personal touches,” agrees Maggie, the creator behind Coffee With Maggie and the early bird newsletter. “My coffee corner has a few plants, and features a custom painting my best friend, By Annie B., did of the cups from all my favorite coffee shops which ties the whole space together.”
Customize your space with renter-friendly style options
When creating a rental-friendly home coffee bar, it’s important to focus on styling options that won’t require permanent changes or damage to the space. “For personalization, go for renter-friendly options like peel-and-stick wallpaper or removable hooks to hang mugs or decor without damaging walls,” recommends hosting expert Gina Dickson of Intentional Hospitality.
You can also focus on the aesthetics of your brewing equipment to bring more style to your at-home coffee bar with practically no effort. “Your morning coffee sets the tone for the rest of your day, so regardless of your favorite brew method be sure to choose one or two products that are unique, expressive of your personality, and elevate your daily routine,” says Aby Henry, the owner of Portland’s Bridgetown Sparrow Ceramics. Artfully crafted, matching pour over and mug sets are one of Henry’s favorite ways to add flair to any home coffee bar.
Finish off your renter-friendly coffee space with colorful trays, baskets, or countertop organizers for an easy and aesthetic corner of your home.
Image by Bridgetown Sparrow Ceramics
Change up your home coffee bar to match the seasons
If you love to change things up in your home for each season, your home coffee bar is the perfect place to start celebrating. “Provide a functional and pretty space for your guests to enjoy a cup of coffee, starting with styling the space with seasonal decor items,” says country living blogger Lynn Langford with At Home in the Wildwood. “Risers and tier trays are perfect for decorating the area for the holidays or seasons. I also like to keep tea and hot cocoa supplies in the same area for those who might not be coffee lovers, but want a hot beverage.”
“Refreshing your coffee bar for each season is my favorite way to infuse personal style into our vintage farmhouse kitchen,” adds the author of Celebrated Nest. “I love expressing my style by swapping out mugs on a tiered tray or hanging seasonal wreaths – easily adaptable ideas for any space. The key is to keep your essentials in place and decorate around them with easily changeable pieces, allowing you to transform your coffee station from summer refresh to fall cozy without any permanent changes.”
Choose a color theme
Using color in your home coffee station is a fun way to add personality and vibrancy to the space while enhancing its overall aesthetic. Incorporate pops of color throughout for a more balanced look, or use color to highlight your coffee bar as a focal point in your home.
“I get the most compliments on our very pink to-go cup station. It includes matching cup sleeves adorned with our family monogram that I’ve designed and hand stamped, plus pink straws and hot coffee lids to match my iced/hot latte mood accordingly for the full custom cafe moment,” reveals lifestyle and home blogger Elle Wagner. “Our guests always get a huge kick out of how extra it is,” she laughs.
The key to personalizing your home coffee bar is to balance style and practicality, ensuring that your decorative elements don’t overwhelm the space but instead contribute to creating an organized, beautiful area that enhances your coffee-making experience.
7. Focus on technique for perfect coffee at home
The final step in elevating your at-home coffee bar is to make sure the coffee you’re making tastes great. If you’re getting the perfect flavor every time, you’ll be more inspired to use your home coffee station regularly.
Women-lead roasters Coroco Coffee Roaster Collective, based in Sycamore, IL, and Tostado Coffee Roasters in Portland, OR are powerful workhouses in the coffee space, and were happy to share the secrets to making coffee at home that mimic the professional cafe experience.
Image by Coroco Coffee Roasters Collective
Use filtered or distilled water
Water plays a crucial role in brewing coffee at home, as it makes up about 98% of your final cup and acts as the primary solvent to extract flavors from the coffee grounds. The quality of the water you use directly affects the taste and balance of your coffee.
“Use filtered water and keep your equipment clean to ensure each cup tastes fresh,” emphasizes Adriana Lopez, the woman behind Tostado Coffee Roasters. Filtered water can remove impurities like chlorine, which can give your coffee an off-flavor.
“Consider using distilled water combined with a mineral enhancer to create the ideal mineral profile for brewing,” shares Karen Weckerly, roaster and owner of Coroco. Too-soft or distilled water can result in a flat or dull taste, but certain minerals in water are needed to bring out the coffee’s full flavor profile.
Get your water temperature right
The temperature of your water also matters, with ideal brewing temperatures for any manual coffee being just off boiling, around 202°F, continues Weckerly. Water that’s too hot (above 205°F) can over-extract the coffee, leading to a bitter taste, while water that’s too cool (below 195°F) might under-extract, resulting in weak or sour flavors.
Use one part coffee to a higher amount of water
“Experiment with water-to-coffee ratios and brewing methods to find your ideal strength,” recommends Lopez.
“The golden ratio for coffee is 1:15 to 1:18 which means one part coffee to 15-18 parts water,” explains Weckerly. “This is perfect for a lot of brewing methods, including pour-overs, drip, and plungers.”
You can use a scale at first to get the hang of what this looks like, then as you get more comfortable, eyeball the amount of coffee and water you use each day for a truly seamless (and delicious) home coffee experience.
Pay attention to your grind size
Grind size is one of the most important factors in making great coffee at home, as it directly influences the overall flavor of your brew. The size of your coffee grounds determines how quickly water passes through them and extracts the flavors.
“A good double shot requires 17-20 grams of very finely ground coffee – think flour like consistency,” advises Weckerly.
A medium grind, with a texture resembling sand, works well for drip coffee makers and pour-over methods, balancing extraction time and flavor. For brewing methods like French press or cold brew, a coarse grind is ideal, as the slower brewing process requires larger grounds to prevent over-extraction and bitterness.
Lopez encourages home coffee enthusiasts to experiment with grind size and brewing methods to highlight the unique flavors of your favorite beans, giving you the best experience in your new home coffee bar.
Go forth and create your perfect coffee bar at home
“For some, at-home coffee bars are a simple budgeting hack—but for me, it’s truly a daily luxury that I miss when I’m traveling,” admits lifestyle and home blogger Elle Wagner. “The key to an iconic coffee bar is how custom you’re willing to make yours. Investing in the right coffee makers, stocking and importing my favorite beans, pods, syrups, and milks, and even matching everything to my favorite color just for fun has made all the difference to using my setup on the daily.”
As you start creating your own coffee bar at home, remember that it’s all about making the space your own. Whether you invest in high-end equipment or start with the essentials, make sure you craft a setup that enhances both your coffee experience and your living space. With a bit of inspiration and planning, your at-home coffee bar can become the perfect spot to fuel your day and indulge in your love for coffee.
Home decor is an extension of your personality, and astrology can offer intriguing insights into your design preferences. Whether you’re gravitating toward the simplicity of minimalism for your Raleigh, NC home, an artistic statement in your Chicago, IL apartment, or layered aesthetics of maximalism for your Charlotte, NC rental, your zodiac sign might be influencing your choices. Here’s what the stars say about your style in the ongoing debate of minimalist vs maximalist decor.
Minimalism vs maximalism explained
Minimalist vs Maximalist decor represents two contrasting design philosophies. Minimalism is all about simplicity, clean lines, and a clutter-free space. Focusing on function and intentionality. It uses neutral tones, sleek furniture, and emphasizes open, airy environments. On the other hand, maximalist design embraces boldness-vibrant colors, eclectic patterns, and layered textures. It’s about filling a space with personality and creating a visually stimulating environment. While minimalist thrives on “less is more”, maximalist decor celebrates “more is more” allowing for creative freedom and expressive design choices.
1. Aries (March 21 – April 19): Bold maximalism
Aries, known for their boldness and high energy, are naturally drawn to maximalist decor that reflects their dynamic personality. Julia from wellness lifestyle brand, The Mantra Collective in Laguna Hills, CA notes, “Aries, with their bold and energetic nature, may lean toward maximalism, embracing vibrant colors and dynamic statement pieces.”
Similarly, Brindha Dhanabalan, CEO of All Cotton and Linen highlights that “Aries love decor that makes a statement. Items like red-and-white checkered tablecloths are a perfect fit for their bold home.” Daniel Shuttleworth of Life StyleBrew & Tattoo Build adds that, “Aries may lean toward a vibrant gallery wall featuring an eclectic mix of art pieces, mirrors, and personal mementos, creating a lively focal point that matches their bold energy.”
2. Taurus (April 20 – May 20): Cozy, nature-inspired maximalism
Taurus prefers a grounded, nature-inspired environment with a focus on comfort. Julia from The Mantra says, “Tauruses value comfort and luxury, making them ideal candidates for a maximalist approach. Think cozy textiles like plush throws and velvet cushions that add warmth and a touch of indulgence to their home. Katja Rottinger of vintage furniture store, Vintarama, adds that, “Taurus prefer robust wooden furnishings with rustic elements, perfectly aligned with a maximalist approach. Their decor often includes natural materials like wool, fur, and driftwood, creating a warm, down-to-earth atmosphere.”
3. Gemini (May 21 – June 20): Playful maximalism
Geminis are known for their playful and curious nature, making eclectic maximalism a great match for them. Julia from The Mantra explains, “Geminis enjoy variety and playfulness, which translates well into a maximalist home featuring mix-and-match patterns and colors.” A gallery wall filled with diverse art pieces is an ideal reflection of Gemini’s ever-changing interests. Meisy Tunay of home decor brand, Fenlo Shop, also mentions, “A Gemini might enjoy a playful, eclectic decor style, bringing in elements that mirror their big-eyed personality.”
4. Cancer (June 21 – July 22): Cozy minimalism
Cancers, ruled by the Moon, seek comfort and security in their surroundings, making them a natural minimalist in the minimalist vs maximalist decor debate. Lisa Marinkovich, blogger of Gal Pal Lifestyle, points out that Cancers prefer a cozy, minimalist approach. “Cancers should focus on soft furnishings and meaningful decor to create a nurturing environment,” shares Marinkovich. A light sofa paired with a cozy throw blanket can create a serene atmosphere, perfectly suited to Cancer’s nurturing spirit. Julia from The Mantra also emphasizes, “Minimalism allows Cancer to foster the peaceful, secure space they crave.”
5. Leo (July 23 – August 22): The maximalist showstopper
Leos are known for their love of drama and self-expression, making them the natural maximalists of the zodiac. Bradley Hebdon, founder of Vintage Shopper in Crowley, TX explains, “Maximalist decor, with its bold layering of vibrant colors, patterns, and textures, perfectly matches the energy of a Leo.” They gravitate toward spaces filled with oversized plants, vintage furniture, and luxurious accents like golden mirrors and velvet chairs. Hebdon adds, “Adding patterned rugs, mismatched throw pillows, and unique lighting fixtures enhances the dramatic, curated feel of the room.”
6. Virgo (August 23 – September 22): Functional minimalism
Virgos are known for their practicality and organization, making them naturally drawn to minimalist decor. Dennis from Star-Naming highlights, “Virgos prefer uncluttered shelves and calming, earth-toned accents that reflect their organized nature.” Meisy Tunay of Fenlo Shop agrees, stating that, “A Virgo might appreciate minimalist design and decor that emphasizes clean lines and organization. Every detail serves a purpose, and their space is always designed for functionality.”
Photo courtesy of Katja Rottinger of vintage furniture store, Vintarama
7. Libra (September 23 – October 22): Balanced minimalism
Charming and sociable, Libras seek beauty and balance in every aspect of their lives, including their home decor. Peter Stockinger from Stars and Stones points out, “Libras love to experiment, often blending contemporary sophistication with minimalist aesthetics.” Twinkle from artisan home decor brand, Mianzi, also weighs in. “An Opium Pendant Lamp or something similar that has a refined design is perfect for a Libra’s harmonious and sophisticated taste reflecting their love for balance in decor,” says Twinkle.
Scorpios are drawn to moody, transformative spaces, often incorporating rich, mysterious textures like deep velvets and dark colors. Michelle Saya, a writer and blogger, says, “Scorpios create spaces that are intimate and transformative where every piece tells a story.” While they might prefer minimalist layouts, Scorpios often infuse their spaces with egocentric statement pieces that reflect their deep, passionate nature. “Scorpios are drawn to the industrial look with darker colors and egocentric statement pieces,” emphasizes Katja Rottinger of vintage furniture store, Vintarama.
Sagittarius expresses their adventurous spirit with a curated maximalist style. Meisy Tunay from Fenlo Shop explains, “Sagittarius gravitates toward spaces filled with carefully selected, eclectic pieces that reflect their love for travel and exploration.” Peter Stockinger of Stars and Stones adds, “Sagittarians favor decor that highlights ‘collected treasures,’ making maximalism an ideal way to capture their bold, well-traveled nature.”
Capricorns are disciplined and ambitious, favoring sleek, minimalist spaces that prioritize functionality. “They’re drawn to modern Scandinavian trends with chic, functional, and cozy elements,” explains Katja Rottinger of Vintarama. Elisa Szymanski of ESY Arts in Poughkeepsie, NY, providing wall art and clothing to express your individuality, echoes this, stating, “Capricorns favor well-crafted, timeless pieces —like a minimalist walnut bookshelf which suits their pragmatic nature. Capricorns value organization and simplicity, favoring fewer items focused on utility.”
Aquarians are known for their individuality and often embrace an eclectic yet minimalist decor style. Peter Stockinger of Stars and Stones describes, “Aquarians as free spirits who are inclined to do the unexpected in their home decor. They appreciate smooth surfaces and clear lines but also love incorporating unique, standout pieces.” Brindha Dhanabalan adds, “Aquarians enjoy unique and eco-friendly decor, making sustainable minimalism and underconsumption an ideal choice for their creative homes.”
12. Pisces (Feb. 19 – Mar. 20): Dreamy maximalism
Pisces are known for their dreamy and sentimental nature, making them natural maximalists who prefer soft, whimsical decor. Julia from The Mantra suggests, “Pisceans should invest in Bohemian-style designs to reflect their adaptive and imaginative spirit.” Brindha Dhanabalan of All Cotton and Linen adds, “Pisces love soft, dreamy decor with items like light blue napkins or luxury towels adding a magical, tranquil touch to their home.”
Jyotisha and the home
In addition to Western astrology, the Hindu system of astrology, known as Jyotisha, offers a unique perspective on home decor. As Devala Rees of the Hindu American Foundation explains, “We primarily look at which astrological bodies occupy which of the twelve houses in a person’s birth chart, most especially the fourth house, which corresponds to the home.” Rees also shares, “Individuals with the Sun in their fourth house may gravitate toward sunny, open spaces, while those with Saturn might prefer darker, somber rooms.” These subtle intricacies in Jyotisha show how astrological influences can deeply shape an individual’s home environment, offering a more personalized approach to decor.
Minimalist vs Maximalist decor: Which is right for you?
Your zodiac sign can offer fascinating insights into your home decorating style, whether you favor the simplicity of minimalism or the rich layers of maximalism. From Leo’s love of bold, dramatic spaces to Virgo’s clean, functional designs, astrology shows how our star signs influence our design choices. So, where do you fall in the minimalist vs maximalist decor debate? Let your zodiac sign guide your next decor decision.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
Many Americans don’t closely track their finances or know what their current credit score is. Being financially literate, especially when it comes to credit usage, can make it much easier to manage your finances and, over time, improve your situation. The good news is that numerous personal finance tools are available today to make things easier than ever.
Keep reading to learn more about the top four personal finance tools you should start using today.
What are financial tools?
Financial tools are apps or services that help you track and manage your financial transactions. These tools can help you stay within your spending limits, meet your financial goals and make informed financial decisions.
Today, you can access many of these tools online through a secure platform or app. For many, these tools are an essential part of financial management. They help simplify the financial tracking process and make it easier to understand your current financial status.
Top 4 types of personal finance tools available
1. Budgeting tools
Financial freedom doesn’t just happen overnight. It takes careful planning and continuous tracking of where you spend every dollar. This is why maintaining a personal budget is so important. Keeping a budget can ensure you’re saving enough to meet your future needs, preventing you from spending more money than you earn and helping you create an emergency fund.
Fortunately, you no longer need to rely on pen and paper to keep a budget and track your spending. Instead, there are a number of online tools you can use to quickly track where you spend every dime. While Mint has been a popular budgeting tool for many consumers, it’s ceasing operations as of January 1, 2024. Whether you’re looking for a Mint replacement or your first budgeting app, here’s a look at the top options available.
You Need A Budget: Commonly referred to as YNAB, this tool uses the zero-based budget system to track every dollar you earn and spend. The easy-to-use finance tool lets you link all your accounts, including bank accounts, credit cards and loan payments, to help you get a clear view of your financial status.
Goodbudget: This online tool uses the popular envelope budgeting system to ensure you’re tracking every dollar you spend. While you can’t link your bank account to Goodbudget, you can import data from your bank to keep everything up to date. The app shows you how much money you have left to spend in each category.
PocketGuard: PocketGuard is a simplified budgeting tool that links to your bank accounts, credit accounts and loans. It automatically tracks your bills to let you know how much you have left to spend. While it doesn’t have all the special features you might find with other budgeting apps, it’s a good choice for those who prefer a straightforward approach to budget tracking.
HoneyDue: This online budgeting tool is ideal for couples who want to sync their accounts. It lets users customize their own settings for what information they want to share with each other and how to split expenses. HoneyDue also offers special features such as bill reminders and goal setting.
2. Online banking tools
Nearly all banks, credit unions and credit card companies offer online services. Chances are, you already use these online tools to track your account balance, deposits and charges. While using these tools for basic services is a good first step, these apps offer so much more. Here’s a look at several other online services most financial institutions offer.
Online bill payment: Most banks and credit unions let you use their online platform to pay bills. This great feature allows you to instantly make payments online so you can avoid late payment fees.
Mobile check deposit: Fortunately, you don’t have to run to the bank every time you want to deposit a check. You can deposit it directly through your mobile device. In many cases, you can see funds from these deposits in your account almost immediately or the next day.
Transfer funds: When that work bonus hits your bank account, you don’t have to risk spending more of it than you planned. Instead, use your online banking platform to transfer the funds from your checking to your savings account instantly.
Credit score: Some banks and credit unions provide their customers with a look at their credit score. This feature can help you track your score over time.
3. Investment tools
According to the latest Gallup poll, 61 percent of adults in the United States own some type of stock. For many, their stock ownership is limited to their 401(k), but your investment options don’t have to stop there. Many online tools are ideal for beginner and long-time investors.
Best of all, you don’t need a lot of money to invest. In fact, you can get started with your spare change. If you’re ready to start building your investment portfolio, check out these online investment tools.
Acorns: Acorns is a good option for those just starting to invest. There are no minimum deposit requirements when you sign up for its Round-Ups program. This program rounds up every transaction you make to the nearest whole dollar. It then uses these funds to automatically invest your money and build your portfolio.
RobinHood: RobinHood is a popular investment app for those who want to take charge of their own investment options. There are no minimum balance requirements or commission fees, which is great for those looking for a low-cost way to start investing in the stock market. RobinHood even lets users buy cryptocurrency.
Fidelity: If you’re looking for an online tool that offers a hands-off approach to investment while also helping you better understand the stock market, Fidelity may be the right option for you. The combination of its robo-advisor services and online resources and tools make it easy to build a customized investment strategy.
Betterment: Through the Betterment app, you can start investing with as little as $10. This app lets you set your financial goals, risk level and starting amount. With these details, it automatically creates an investment plan to help you reach your goals.
4. Credit-related tools
Many people fail to understand the full impact their credit score has on their overall financial health. For instance, you may already know that your credit report and credit score can impact your ability to secure a credit card or obtain a car or home loan. But did you also know your credit score can determine your ability to rent an apartment, land a job or set up utilities in your name without a deposit?
It’s crucial you stay up to date on your credit score and credit report. First, tracking your credit can alert you to drops in your score and give you time to take steps to address any issues. Second, understanding issues on your credit report lets you create a strategy for repairing or rebuilding your credit.
Finally, regularly examining your credit report can help you quickly identify any errors that are wrongfully hurting your credit and take steps to fix them. It can also help you guard against identity theft.
You’re entitled to request one free copy of your credit report each year from each of the three major credit bureaus—Experian, TransUnion and Equifax. But you don’t have to wait until the end of the year to track your credit. Instead, you can use Lexington Law’s free credit assessment and other paid services to get updated information related to your credit. Using a combination of these tools can help you get a better handle on your financial status and set up a strategy to improve your credit.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Negative working capital is when a company’s current liabilities are greater than its current assets. Current liabilities are those that are due in less than 12 months. Current assets are those that can turn into cash in less than 12 months.
It’s easy to think that companies with negative net working capital would be at financial risk, but that’s not necessarily the case. There are many situations where having occasional and controlled negative working capital can actually work in a business’s favor.
Read on for an in-depth look at what it means to have negative working capital, when it can happen, and whether it’s a good or bad thing for your small business.
Key Points
• Negative working capital occurs when a company’s current liabilities exceed its current assets, indicating potential cash flow challenges.
• Businesses like supermarkets and restaurants often have negative working capital due to fast inventory turnover and delayed payments to suppliers.
• Negative working capital can, however, signal a risk of not meeting short-term obligations, potentially leading to financial strain.
• Some companies use negative working capital strategically to free up cash by delaying payments to suppliers.
• If your small business is struggling with working capital, you can take out a working capital loan or business line of credit to help meet short-term obligations.
What Is Negative Working Capital?
Working capital is the difference between a business’s current assets and current liabilities.
Working Capital = Current Assets – Current Liabilities
A current asset is an asset that can be easily converted to cash within a year. Current assets include cash, cash equivalents, accounts receivable, stock inventory, marketable securities, prepaid liabilities, and other liquid assets. A current liability is any debt that is expected to be repaid within a year. Current liabilities include obligations such as accounts payable and amounts due to suppliers, employee wages, and payroll tax withholding.
Ideally, current assets should be greater than current liabilities but for many businesses, that’s not always the case.
Negative working capital is when a company’s current liabilities are greater than its current assets, as stated on the firm’s balance sheet. While that may sound like a risky proposition, some businesses are able to dip into periods of negative working capital without any ill effects.
Negative working capital commonly arises when a business generates cash very quickly because it can sell products to its customers before it has to pay the bills to its vendors for the original goods or raw materials. It then uses that cash to purchase more inventory or expedite growth in other ways. By doing this, the company is effectively using the vendor’s money as an interest-free loan. The firm still has an outstanding liability, however, which means it can end up with negative working capital.
Positive Working Capital
Positive working capital is when a company’s current assets exceed its current liabilities. It’s the opposite of negative working capital and is usually a good position for a company to be in. Positive working capital means your business will be able to fulfill its financial obligations in the coming year and still have cash leftover to deal with any market disruptions (or other challenges) and/or invest in growth.
In order to be approved for a small business loan, businesses usually need to have a positive working capital, since many loans require assets as collateral. If the business is upside down on its debts vs. its assets, it may have trouble getting approved. However, working capital is one of many factors that lenders look at when approving loans.
Is it possible to have too much positive working capital? Yes. If assets are sitting somewhere and not helping the business grow and generate further revenue, then it’s possible they could be better used elsewhere to fuel the company’s next phase of development. To be competitive in today’s market, leveraging growth for healthy, steady business expansion is often essential.
Zero Working Capital
Zero working capital is when a company’s current assets are the same amount as its current liabilities. Having zero working capital can be a good sign, suggesting that the company is managing its resources effectively, maintaining just enough liquidity to cover its short-term obligations without tying up excess capital in non-productive assets.
However, having zero working capital can also signify that the company is operating on thin margins and doesn’t have much room for error. If unexpected expenses arise or if there’s a downturn in sales, the company could face liquidity problems.
Sometimes, a company might intentionally maintain zero working capital for a short period, perhaps to finance a specific project or investment. However, this is typically not a sustainable long-term strategy.
How to Calculate Negative Working Capital
Negative working capital is calculated by subtracting current liabilities from current assets. If liabilities exceed assets, the result is negative working capital. The formula is the same as the formula for working capital, with the end result being negative:
Negative Working Capital = Current Assets – Current Liabilities
Here’s a negative working capital example:
A gaming retailer buys $1.5 million worth of the latest console directly from the manufacturer. It sells every console within the first day, but doesn’t have to pay its bill for the next 45 days. So it uses this influx of cash to buy more consoles and further increase revenues. In this case, negative working capital works because sales are growing. As a result, this retailer should not have trouble meeting its short-term financial obligations as they become due.
Recommended: How to Calculate Cash Flow
How Negative Working Capital Arises
While negative working capital might seem alarming, there are situations where it can be a strategic choice or a temporary condition. Here’s a look at some reasons why a company might have negative working capital.
• Industry norms: Some industries naturally operate with negative working capital due to their business models. For example, retail businesses often collect cash from customers before paying suppliers for inventory. This allows them to operate with negative working capital, using suppliers’ credit to finance their operations.
• Rapid growth: A company experiencing rapid growth might have negative working capital because it’s investing heavily in inventory and receivables to support increased sales. While this can strain short-term liquidity, it’s often seen as a sign of expansion and can be managed if the growth trajectory is sustainable.
• Seasonal variation: Businesses that experience seasonal fluctuations in sales may have negative working capital during slow periods when they build up inventory and receivables in anticipation of higher demand.
• Efficiency goals: In some cases, companies deliberately manage their working capital to optimize efficiency. They may prioritize cash flow by delaying payments to suppliers or accelerating the collection of receivables, even if it results in negative working capital on their balance sheet.
When Is Negative Working Capital Good vs Bad?
As mentioned, negative working capital can either be good or bad. Let’s take a closer look at why.
Good Negative Working Capital
Negative working capital can be a good thing when companies are able to sell their inventory faster than their suppliers expect payment. This cash surplus allows the company to purchase more inventory or spur growth in other ways. In this scenario, the vendor is essentially financing part of the company’s operating and investment expenses — similar to a zero-interest loan.
Negative working capital can also provide a company with greater flexibility and agility to respond to changing market conditions or unexpected expenses, while also allowing it to take advantage of growth opportunities as they arise.
Recommended: Business Loan vs Personal Loan: Which Is Right for You?
Bad Negative Working Capital
As soon as a company is unable to pay its operational costs or suppliers on time, negative working capital can shift from good to bad. Even if a company may have utilized negative working capital in the past without issues, a hiccup in sales can hurt operations fast. Negative working capital leaves a company with minimal cushion to absorb the unexpected.
If a business must constantly delay payments to vendors and suppliers, it could strain relationships with those partners. Over time, suppliers may become reluctant to extend credit or offer favorable terms, which could affect a company’s ability to secure necessary goods and services.
Recommended: 15 Types of Business Loans to Consider
Which Industries Typically Have Higher Negative Capital?
Companies with rapid turnover of inventory or services and make their money through cash often have negative working capital. This includes large food stores, retailers, fast food restaurants, service-oriented business, e-commerce companies, and software companies.
Strategies for Dealing With Negative Working Capital
To stay on top of negative working capital, business owners may want to:
1. Fully understand the flow of cash within your company. Using a business balance sheet to track income and expenses can help you pinpoint money issues that could contribute to negative working capital.
2. Keep track of account receivables.
3. Analyze how long it takes to completely sell through inventory batches.
4. Optimize billing cycles to space out expenses to match estimated sales.
Recommended: How Much Does it Cost to Start a Business?
The Takeaway
Negative working capital is a state in which a company’s current liabilities exceed its current assets. Negative net working capital is fine as long as a company is able to pay its operational expenses and suppliers on time. If it is unable to do so, however, its long-term financial health may be in jeopardy.
While negative working capital can offer certain advantages in terms of cash flow management and flexibility, it’s essential for companies to carefully monitor and manage their working capital levels to avoid potential pitfalls and maintain financial stability.
If you’re seeking financing for your business, SoFi can help. On SoFi’s marketplace, you can shop top providers today to access the capital you need. Find a personalized business financing option today in minutes.
With SoFi’s marketplace, it’s fast and easy to search for your small business financing options.
FAQ
What does negative working capital indicate?
Negative working capital can indicate a business has a high inventory turnover, meaning it’s able to sell off inventory before any amount is owed to the supplier. On the other hand, it can also mean that the business is having difficulty receiving on-time payments from its customers.
Is negative working capital typically a bad thing to have?
Not necessarily. Businesses in retail or fast-moving consumer goods often operate with negative working capital because they receive payment from customers before paying their suppliers. However, negative working capital can also signify liquidity issues, financial distress, or strained supplier relationships if the company is unable to meet its short-term obligations.
Can working capital being too high be a problem?
Yes. High working capital often means that a significant portion of the company’s assets is tied up in short-term assets like cash, accounts receivable, and inventory. If these assets are not being efficiently utilized, it can lead to lower returns on investment and reduced profitability.
Photo credit: iStock/designer491
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Minnesota, known as the “Land of 10,000 Lakes,” blends natural beauty and city life. If you’re considering a move to this northern state, it’s essential to weigh the pros and cons of living in Minnesota. So, is Minnesota a good place to live? Let’s explore what makes it appealing and some challenges residents face.
Is Minnesota a good place to live?
Life in Minnesota is characterized by its stunning landscapes, friendly communities, and a strong emphasis on outdoor activities. The largest cities, Minneapolis and St. Paul, also known as the Twin Cities, boast a thriving arts scene, diverse culinary options, and numerous cultural festivals throughout the year. Major employers include Target, U.S. Bancorp, and the Mayo Clinic, contributing to diverse job market.
For opportunities to explore the outdoors, Minnesota offers a wealth of activities year-round. In the summer, residents can explore the state’s 10,000 lakes, with opportunities for kayaking, fishing, and swimming. The extensive trail system in parks like the Boundary Waters and the Superior Hiking Trail attract hikers and campers from all over. Whether you’re drawn to the thriving job market, the rich arts scene, or the endless outdoor adventures, Minnesota has something for everyone.
Minnesota state overview
Population
5,706,494
Biggest cities in Minnesota
Minneapolis, Saint Paul, Rochester
Average rent in Minneapolis
$1,649
Average rent in Saint Paul
$1,311
Average rent in Rochester
$1,464
1. Pro: Abundant outdoor activities
Minnesota is a great place to explore. With its 10,000 lakes and numerous parks, you can enjoy various activities year-round. In the summer, fishing, swimming, and boating on lakes like Lake Minnetonka or Lake of the Isles are popular pastimes. As the seasons change, the state’s natural beauty transforms, offering excellent opportunities for hiking in the lush forests, biking on scenic trails, and enjoying the vibrant fall colors. When winter arrives, residents can embrace snowshoeing, ice fishing, and skiing in places like Afton Alps.
Travel tip: Don’t miss the Boundary Waters Canoe Area Wilderness. This stunning location has pristine lakes and incredible opportunities for canoeing, fishing, and camping, making it perfect for a weekend getaway.
2. Con: The winters can be harsh
While the snow-covered landscape can be beautiful, winters in Minnesota can be brutal, with temperatures often plunging below freezing and snow accumulating frequently. This extreme weather can impact daily life, making commuting a challenge and limiting outdoor activities for some. The subzero temperatures can lead to icy roads and increased heating costs, forcing residents to bundle up and invest in winter gear.
3. Pro: Minnesotans are friendly
Minnesotans are known for their friendliness and community spirit, which is evident in the many local events and gatherings throughout the year. Neighborhoods often come together for community events, farmers’ markets, and festivals that celebrate local culture and history. Volunteering is a common practice, and many residents engage in initiatives that support local charities and businesses.
Insider scoop: Attend the Minnesota State Fair in late August to early September, where you can sample iconic local foods, enjoy live music, and experience the best of Minnesota culture.
4. Con: There are plenty of potholes to avoid
One of the more frustrating aspects of living in Minnesota is the prevalence of potholes, particularly during the spring months. The state’s harsh winter weather, with its constant freeze-thaw cycles, takes a serious toll on the roads, leading to an abundance of potholes. These road hazards can make driving less enjoyable and potentially cause damage to vehicles, such as flat tires or misaligned suspensions. In some areas, it can feel like you’re constantly dodging potholes on your daily commute, which can be a significant inconvenience for residents.
5. Pro: Rich cultural scene
The Twin Cities are home to a variety of museums, theaters, and galleries, including the Walker Art Center and the Minneapolis Institute of Art. These institutions host a wide range of exhibits and performances, showcasing local and international artists. Additionally, events like the Minnesota State Fair and the Twin Cities Jazz Festival highlight the state’s rich arts and music scene, offering opportunities for residents to explore and enjoy diverse cultural experiences.
Insider scoop: Take advantage of the Minneapolis Institute of Art, which offers free admission to its extensive collection of art from around the world. This gem not only showcases local artists but also hosts rotating exhibitions.
6. Con: High income taxes
Minnesota has one of the higher tax burdens in the country, which can be a drawback for some residents. State income tax rates can reach as high as 9.85% for those in higher income brackets, and property taxes can also be notable, impacting overall affordability. While these taxes fund essential services like education, healthcare, and infrastructure, they can strain budgets.
7. Pro: Commitment to sustainability
Minnesota is known for its commitment to sustainability and environmental protection. Many cities, including Minneapolis and St. Paul, promote green living initiatives, encouraging residents to adopt eco-friendly practices such as recycling, composting, and using public transportation. The state has also invested in renewable energy sources, making significant strides toward reducing its carbon footprint. Residents often engage in community efforts to protect local ecosystems and support sustainable agriculture.
Insider scoop: If you’re looking to get involved locally, check out Minnesota’s Zero Waste Challenge or volunteer with organizations like Minnesota Water Stewards, where you can actively contribute to keeping the state’s water sources clean and promote conservation efforts in your community.
8. Con: Limited public transportation
While the Twin Cities have a light rail system and bus services, public transportation options in other areas can be limited. Many suburban and rural communities lack comprehensive transit systems, which can make owning a car necessary for getting around. This limitation may be challenging for those who rely on public transport or prefer a car-free lifestyle. As a result, residents may need to budget for a vehicle and associated costs, such as insurance and maintenance.
9. Pro: Relatively lower cost of living in the state
One of the appealing aspects of living in Minnesota is its relatively lower cost of living compared to many other states, particularly in the Midwest. While cities like Minneapolis and St. Paul have seen rising housing costs, they are still more affordable than other major metropolitan areas in the U.S. The average rental rate for a one-bedroom apartment in Minneapolis hovers around $1,400 per month, while in smaller cities like St. Cloud, it’s significantly lower, averaging around $875. This lower cost of living makes Minnesota a good place to live for those looking to stretch their budget.
10. Con: Beware of the ticks
Ticks are a common nuisance in Minnesota, especially during the warmer months from late spring through early fall. These small, parasitic insects thrive in the state’s wooded areas, grassy fields, and even along hiking trails. The risk of tick bites can be a concern, as some ticks carry diseases such as Lyme disease and anaplasmosis. While enjoying Minnesota’s beautiful landscapes, residents must remain vigilant about tick prevention, including wearing long sleeves, using insect repellent, and conducting thorough tick checks.
A SEP IRA, or Simplified Employee Pension IRA, is a tax-advantaged retirement plan for people who are self-employed or run a small business. SEP IRA contribution limits determine how much you can contribute to the account each year.
The IRS sets contribution limits for SEP IRAs and adjusts them annually for inflation. SEP IRA contribution rules permit employers to make contributions to their own or their employees’ SEP accounts; employees do not contribute to a SEP.
Key Points
• SEP IRAs offer a tax-advantaged way to save for retirement, beneficial for self-employed and small business owners.
• It’s possible to contribute as much as $69,000 to a SEP IRA in 2024, an increase from the previous year.
• For 2024, employers can contribute up to the lesser of 25% of an employee’s compensation or $69,000 to a SEP IRA.
• Contributions to SEP IRAs are tax-deductible and must be reported on IRS Form 5498.
• Since contributions to SEP IRAs are made with pre-tax dollars, qualified withdrawals are subject to ordinary income tax.
What Is a SEP IRA?
A SEP IRA is a tax-advantaged retirement account that allows employers to make contributions on behalf of employees. Businesses of any size can establish a SEP IRA, including self-employed individuals who have no employees.
traditional IRAs. Specifically, that means:
• Contributions to a SEP IRA are tax-deductible for employers or self-employed individuals
• Qualified withdrawals are subject to ordinary income tax since SEP IRAs are funded with pre-tax dollars
• Early withdrawals before age 59 ½ may be subject to taxes and penalties
• Required minimum distributions (RMDs) are required at age 73 (assuming you turn 72 after Dec. 31, 2022).
The SECURE 2.0 Act permits employers to offer employees a Roth SEP IRA option, though they’re not required to. It’s also possible to convert a traditional SEP IRA to a Roth IRA, to get tax-free retirement withdrawals. However, the account owner would have to pay tax on earnings at the time of the conversion.
SEP IRA Contribution Limits for 2024
Once you open an IRA, it’s important to be aware that the IRS determines the maximum SEP IRA contribution limits each year. For 2024, it’s possible to contribute as much as $69,000, up from the maximum limit of $66,000 in 2023.
Unlike traditional or Roth IRAs, catch-up contributions are not allowed with SEP IRAs.
Here are the details on how the 2024 SEP IRA contribution limits work.
Maximum Contribution Amounts
The SEP IRA max contribution by employers for 2024 is the lesser of the following:
• 25% of an employee’s compensation
OR
• $69,0003
This limit applies to employers who make contributions on behalf of employees. As noted above, employees cannot make elective salary deferrals to a SEP IRA the way they can with a traditional or Roth 401(k) plan.
If you’re self-employed your SEP IRA contribution limits for 2024 are the lesser of:
• 25% of your net self-employment earnings (see how to calculate net self-employment earnings below)
OR
• $69,0004
Self-employed individuals may want to compare a solo 401(k) vs SEP IRA to decide which one offers the most benefits in terms of contribution levels and tax advantages.
Calculation Methods and Factors
Whether you’re an employer or a self-employed individual dictates how you calculate the amount you can contribute to a SEP IRA.
According to SEP IRA rules, employer contributions are based on each employee’s compensation. The IRS limits the amount of compensation employers can use to calculate the SEP IRA max contribution for the year.
For 2024, employers can base their calculations on the first $345,000 of compensation. As with the SEP IRA contribution limit, the IRS adjusts the compensation threshold annually.
In addition, contribution rates are required to be the same for all employees and the owner of the company. So if you’re a business owner who is contributing a certain amount to your own account, you must contribute funds at that same rate to your employees.
If you’re self-employed, you’ll need to calculate your net earnings from self-employment less the deductions for:
• One-half of self-employment tax
AND
• Contributions to your own SEP IRA
Net earnings from self-employment is the difference between your business income and business expenses. For 2024, the self-employment tax rate is 15.3% of net earnings, which consists of 12.4% for Social Security and 2.9% for Medicare.
Strategies for Maximizing SEP IRA Contributions
Maximizing SEP IRA contributions comes down to understanding the annual contribution limit and the deadline for making contributions.
The IRS releases updated SEP IRA contribution limits as soon as they’re finalized to allow employers and self-employed individuals sufficient time to plan. You’ll have until the annual income tax filing deadline each year to make contributions to a SEP IRA on behalf of your eligible employees or yourself, if you’re self-employed.
Once you open an investment account like a SEP IRA, you can make monthly contributions or contribute a lump sum to meet the max SEP IRA limit for the year. If you’re self-employed, you may find it helpful to contribute something monthly and then make one larger lump sum contribution just ahead of the tax filing deadline once you’ve had a chance to calculate your net earnings from self-employment.
This strategy could mean that you miss out on some earnings from compounding returns since you’re putting in less money throughout the year. However, it may prevent you from making excess contributions to your SEP IRA, which can result in a penalty.
Recommended: What is a Self-Directed IRA?
Potential Changes and Updates for Future Years
SEP IRA contribution limits don’t stay the same each year. The amount you contribute for 2024 will likely increase for 2025. Staying on top of changes to the contribution limits can ensure that you don’t miss out on opportunities to maximize your SEP IRA.
Cost-of-Living Adjustments (COLAs)
Internal Revenue Code (IRC) Section 415 requires annual cost of living increases for retirement plans and IRAs. Cost-of-living adjustments are meant to help your savings rate keep pace with the inflation rate.
These COLA rules apply to:
• SEP IRAs
• SIMPLE IRAs
• Traditional and Roth IRAs
• 401(k) plans
• 403(b)plans
• 457 plans
• Profit-sharing plans
The IRC also applies COLAs to Social Security benefits to ensure that people who rely on them can maintain a similar level of purchasing power even as consumer prices rise.
Monitoring IRS Announcements
The IRS typically announces COLA limits and adjustments in November or December of the preceding year. For example, the IRS released the Internal Revenue Bulletin detailing SEP IRA contribution limits for 2024 and other COLA adjustments on November 20, 2023.
These bulletins are readily available on the IRS website. You can review the latest and past bulletins on the IRS bulletins page.
Compliance and Tax Implications
SEP IRAs are fairly easy to set up and maintain, but there are compliance rules you will need to follow. As an employer, you’re not required to make contributions to a SEP IRA for eligible employees every year, and if you are self-employed, you are not required to make yearly contributions to your own SEP. However, if you make contributions on behalf of one eligible employee, you have to make contributions on behalf of all eligible employees.
And remember, the contribution percentage you use to calculate the SEP IRA maximum for each employee, and for yourself as the business owner, must be the same.
Reporting SEP IRA Contributions
SEP IRA contributions must be reported on IRS Form 5498. If you’re using tax filing software to complete your return you should be prompted to enter your SEP IRA contributions when reporting your income. The software program will record contributions and calculate your deduction for you.
There’s one more thing to note. Contributions must be reported for the year in which they’re made to the account, regardless of which tax year the contributions are for.
Excess Contribution Penalties
The IRS treats excess SEP IRA contributions as gross income for the employee. If you make excess contributions, the employee would need to withdraw them, plus any related earnings, before the federal tax filing deadline.
If they fail to do so, the IRS can impose a 6% excise tax on excess SEP IRA contributions left in the employee’s account. The employer can also be hit with a 10% excise tax on excess nondeductible contributions.
The Takeaway
For small business owners and the self-employed, SEP IRAs can be a good way to save and invest for retirement. Just be aware that SEP IRA rules are more complicated than the rules for other types of IRAs when it comes to contributions and deductions. If you’re contributing to one of these plans for your employees, or for yourself as a self-employed business owner, it’s important to know how much you can contribute, what each year’s contribution limits are, and when contributions are due.
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FAQ
What is the maximum SEP IRA contribution for 2024?
The SEP IRA contribution limit for 2024 tops out at $69,000. That’s the maximum amount you can contribute to a SEP account on behalf of an employee or to your own SEP IRA if you’re self-employed.
Can I contribute to both a SEP IRA and a 401(k)?
It’s possible to contribute to both a SEP IRA and a 401(k) if you’re employed by multiple businesses. The plans must be administered by separate companies, or you must work for a company that has a 401(k) and then contribute to a SEP IRA for yourself as a self-employed business owner.
Are SEP IRA contributions tax-deductible for employers?
Employers can deduct SEP IRA contributions made on behalf of employees. Contributions must be within the annual contribution limit to be deductible. Excess SEP IRA contributions are not eligible for a deduction.
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From bustling urban centers to serene coastlines and a rich historic heritage, Maryland offers residents a diverse range of lifestyles to enjoy. Whether you’re drawn to its proximity to Washington, D.C., or the charm of the Chesapeake Bay, it’s a place filled with both opportunities and challenges. If you’re wondering, Is Maryland a good place to live?, this article will dive into the pros and cons of living in Maryland, so you can make an informed decision.
Is Maryland a good place to live?
Moving to Maryland provides an eclectic mix of urban energy and coastal relaxation. The largest cities, including Baltimore, Germantown, and Columbia, have distinct vibes. Baltimore is known for its bustling harbor, rich maritime history, and iconic local cuisine, especially its famous crab cakes. Columbia, on the other hand, offers suburban comforts and a growing job market. Maryland’s central location between Washington, D.C., and Philadelphia makes it an ideal base for commuters seeking easy access to both major cities.
The state is home to major employers like Johns Hopkins University and Under Armour, making it a hub for healthcare and technology sectors. Education in Maryland is strong, with excellent public school systems and top-tier universities like the University of Maryland. Maryland also has a thriving cultural scene, from the world-class museums in Baltimore to Annapolis’ maritime history and lively festivals celebrating everything from seafood to arts.
Maryland state overview
Population
6,177,224
Biggest cities in Maryland
Baltimore, Columbia, Germantown
Average rent in Baltimore
$1,455
Average rent in Columbia
$2,191
Average rent in Germantown
$1,693
1. Pro: Proximity to major cities
Living in Maryland means easy access to major cities like Washington, D.C., Philadelphia, and even New York City. If you live in places like Silver Spring or Rockville, you’re just a short drive or Metro ride away from Washington, D.C. This proximity makes it ideal for those who want to work in the capital but prefer a more suburban lifestyle. Maryland’s location also makes weekend trips to Philadelphia or NYC entirely doable.
Travel tip: If you’re planning a quick trip to NYC, consider taking the Amtrak from Baltimore’s Penn Station—the Acela Express will get you there in just under three hours, avoiding the hassle of driving and parking in the city.
2. Con: High cost of living
With all that convenience comes a price, and renting in Maryland can be costly depending on where you choose to live. Cities like Bethesda and Rockville in Montgomery County see some of the highest rental rates, with the average one-bedroom apartment costing around $2,431 per month. Annapolis, known for its waterfront charm, also carries a premium, with average rents hovering around $2,231. In contrast, cities like Frederick offer more affordable options, where one-bedroom apartments average between $1,863. Overall, rental rates in Maryland are higher than the national average, and combined with rising costs in groceries, healthcare, and utilities, budgeting can be a challenge for many residents.
3. Pro: Abundant outdoor recreation
If you’re an adventurer, Maryland provides a diverse range of landscapes. From the Appalachian Mountains in the west to the Chesapeake Bay and Atlantic beaches in the east, the state has it all. You can hike the C&O Canal, kayak in the bay, or relax on the shores of Ocean City. For those who enjoy winter sports, the mountains in Western Maryland even offer skiing and snowboarding. Nature is always nearby, and you’ll never run out of places to explore.
Insider scoop: For a unique experience, head to Assateague Island, where you can camp right on the beach and wake up to wild horses grazing by the shore.
4. Con: Traffic congestion
Maryland’s proximity to major metropolitan areas comes at a cost—traffic. If you commute into Washington, D.C., Baltimore, or any of the state’s larger cities, be prepared for significant congestion, especially during rush hour. The I-495 Beltway and I-95 are notorious for backups, with commutes sometimes stretching over an hour.
5. Pro: Strong job market
Maryland has a robust job market, with opportunities in healthcare, education, technology, and government sectors. The presence of top employers like Johns Hopkins and the National Institutes of Health ensures strong growth in the medical and biotech fields. Maryland’s proximity to D.C. also means a wealth of government and contracting jobs. Plus, the tech sector is booming in hubs like Columbia, creating even more opportunities.
6. Con: Humid summers
Summers in Maryland can be oppressive, especially in July and August. The humidity makes temperatures feel hotter than they are, often climbing into the 90s. If you’re not a fan of sticky, muggy weather, the summer months can be uncomfortable. The combination of high heat and humidity can make outdoor activities less enjoyable, and air conditioning becomes essential for surviving the season.
Insider scoop: If you’re renting an apartment in Maryland, invest in a good dehumidifier to help keep the humidity in check indoors. It’ll make a big difference in your comfort level and even help prevent issues like mold and mildew, especially in older buildings with less ventilation.
7. Pro: Great education systems
Maryland’s public schools consistently rank among the best in the nation. Maryland also has prestigious universities, including Johns Hopkins University, the University of Maryland, and the U.S. Naval Academy in Annapolis. Whether you’re looking for quality K-12 education or higher education, Maryland delivers.
8. Con: Heavy tax burden
Maryland residents face some of the highest tax burdens in the country, including income, property, and sales taxes. The state income tax rates can range up to 5.75%, depending on your earnings, and local jurisdictions can add even more on top of that. Property taxes are also higher than the national average, which can put a strain on homeowners, especially in the wealthier counties.
9. Pro: Cultural and culinary diversity
Maryland’s cultural diversity is reflected in its food, arts, and festivals. From the famous crab cakes of the Chesapeake Bay to Baltimore’s growing foodie scene, Maryland is a haven for food lovers. The state celebrates its maritime heritage with annual events like the Maryland Seafood Festival and the Annapolis Sailboat Show. And if you’re into the arts, Baltimore’s museums, theaters, and galleries will keep you busy.
Insider scoop: Don’t miss the chance to explore the Preakness Stakes at Pimlico Race Course each May, a thrilling horse race that embodies Maryland’s equestrian culture.
10. Con: Unpredictable weather
The weather in Maryland is unpredictable. While the state enjoys four distinct seasons, you can experience a wide range of weather conditions in a short period. Winters can bring snowstorms, while summers can see severe thunderstorms and occasional hurricanes, particularly along the coast. Spring and fall are usually mild, but you never know when a sudden cold front or heatwave will appear, making it tricky to plan outdoor events.
Friendsgiving is the perfect opportunity to gather with your chosen family and celebrate gratitude in a relaxed, fun atmosphere. Unlike a traditional Thanksgiving, Friendsgiving is a more laid-back event, filled with laughter, and often reflecting your group’s unique bond. Whether you’re hosting for the first time or looking to elevate your gathering, these tips from Rent. and the experts we interviewed will help you create a memorable and stress-free event.
Interested in moving to one of these hot U.S. markets before the holidays? Check out:
Apartments for rent in Jacksonville, FL | Houses for rent in Atlanta, GA | Homes for sale in Phoenix, AZ
The history of Friendsgiving
Friendsgiving is a relatively new tradition, one that has quickly become a beloved part of fall for many. It’s thought to have started gaining popularity in the early 2000s, with the name “Friendsgiving” formally recognized around 2011. The holiday brings together elements of Thanksgiving but emphasizes celebrating with friends.
Often held before or after the official holiday, Friendsgiving is for those who can’t make it home or want to celebrate with their chosen family. The casual and collaborative spirit of Friendsgiving is what makes it special — there’s less pressure, more flexibility, and a stronger focus on fun.
Hosting a successful Friendsgiving
Hosting a Friendsgiving can be as simple or elaborate asyou want it to be. Whether you’re aiming for a cozy gathering with a few close friends or a big, lively event, the key is to focus on delicious food, great company, and creating an atmosphere that feels warm and welcoming.
Planning the menu
One of the defining features of Friendsgiving is the potluck-style meal. Rather than taking on the daunting task of preparing an entire Thanksgiving dinner yourself, invite your guests to contribute dishes. This not only lightens your load but also brings variety to the table. Be sure to coordinate with your friends so you don’t end up with five desserts and no sides.
As the host, you can focus on preparing the main course or signature dish. If a whole turkey feels like too much, consider roasting a turkey breast or trying a simpler option like roasted chicken or a vegetarian dish. To make things easier and ensure a stress-free event, it’s essential to prep as much as you can the day before. Dishes like stuffing, casseroles, and desserts can be made in advance, allowing you to relax and enjoy the day with your guests.
It’s also important to accommodate dietary restrictions. Check with your guests ahead of time to ensure everyone has something they can enjoy, whether it’s gluten-free, vegan, or allergy-friendly.
Lastly, don’t forget drinks — whether it’s a creative mocktail or festive cocktail for guests to sip on. “When hosting a Friendsgiving, it’s helpful to come up with a cocktail strategy that allows you to maximize having fun with your guests while not sacrificing the quality of your drinks,” Hannah Chamberlain with Spirited LA and Author of the new book, How to Be a Better Drinker, explains.
She adds, “I often like to start with a grand, festive punch, because it’s visually appealing, easy to make ahead of time, and it allows your guests to serve themselves so you’re not stuck behind the bar making drinks all evening. I also like to pre-batch a few bottles of freezer door martinis, manhattans, or negronis to easily pour for guests as the celebration goes later into the evening.”
Setting the scene
Friendsgiving decor should feel cozy and inviting rather than overly formal. There are a few different approaches to take when setting the scene for your Friendsgiving dinner. “Friendsgiving is the perfect opportunity to have fun with creating a festive tablescape. Play with themes, colors, and decor to create an ambiance that elevates the whole experience,” Stina, founder at Hello Lovely Living, shares.
Annie Linder, publisher and CEO of Mom’s First Steps, details her time and effort towards the tablescape’s visuals. “When decorating for Friendsgiving, I spend a lot of time focusing on the tablescape as it’s very visible throughout the gathering and sets the tone for the overall aesthetic. I always look for earthy, autumn-inspired colors that bring warmth to the table — think deep browns, warm reds, burnt orange, and gold accents. Layering textures such as woven placemats and linen napkins tied with twine add depth and dimension. Candles placed throughout the tablescape add the perfect warmth and glow. “
Beyond looking and feeling festive, it’s equally important to consider the mood and energy your tablescape can set for the evening. “As the founder of Von Gern Home, a luxury brand of table and home decor, I believe that the table is an outlet for our creativity and personality to shine,” Kira Fiaman shares.
Additionally, “My one key piece of advice is to make sure you know what you would like the energy of your tablescape to be and to stick to it. Start by selecting a placemat as the foundation of your festive table, as it sets the mood and serves as the starting point for crafting the entire experience.
Never set a table last minute. I love being creative with my tables and it’s one of the few things you can do for a dinner party well ahead of time. You’ll have the flexibility to get yourself ready and get whatever you are serving ready before the guests arrive. Finally, I would never set a table without some sort of candle on it. Whether it’s pillars, votives, or tapers, candlelight always makes for a far more special gathering.”
Bringing people together
Friendsgiving is more than just a meal; it’s about shared experiences and connection over perfection. “Use place cards to strategically seat your guests at the table next to someone they will enjoy talking with,” Lani Schreibstein, product and digital marketing manager of TableTopics® explains.
“Select a TableTopics® question card (or a few) that you think fits each guest best. Include each guest’s question card(s) as a part of their place setting to help spark fun conversations among your guests. To encourage a group conversation, open a set of TableTopics® and start the conversation off by pulling a random card, reading the question out loud, and answering it yourself. Others at the table will naturally join in by giving their answer or commenting on yours. We recommend TableTopics® Gratitude, Dinner Party, or Best Things Ever for a Friendsgiving full of stories and laughter.”
As the meal winds down, keep the energy flowing with a fun activity. “While of course, the meal will be the main event, you can level up your Friendsgiving with a fun and festive activity for your guests,” suggests Julie Stallman with Triangle Senior Year. “Create an instant photo booth with a Friendsgiving photo frame. Guests can pose and snap pictures as they arrive and mingle before the meal. Or, play Friendsgiving Bingo: did anyone wear stretchy pants on purpose? Bring a charcuterie board or get the hiccups?”
Another idea is to incorporate a moment of gratitude, which can even be incorporated into your tablescape ahead of time. “A customized tablescape goes a long way. I love using place settings as a way to highlight the things I’m most grateful for in each of my guests,” Aubry Lybbert, blogger at Finding Beautiful Truth, details. “Think personalized notes giving thanks for traits, attributes, or qualities you really admire. This ‘Thankful’ note acts as both a seat marker and an extremely thoughtful take-home gift.”
Being the hostess with the most-ess
The beauty of Friendsgiving lies in its casual, come-as-you-are vibe, but telling yourself to maintain low stress levels is easier said than done. Being a flawless hostess is made easier with tips and tricks from those who have perfected the art.
“I like to think of hosting as six jobs: the initiator, the organizer, the person in charge of food and beverage, the cleanup crew, the decorator, and finally, the day-of host, details. “I point this out because you don’t have to do all of these alone. That is a lot!
Instead, ask friends to take on different roles. If you’re hosting at your house, maybe someone else manages the food. If you’re doing it all, maybe let the decorating go. The point of Friendsgiving is to enjoy an evening with friends, so let that be your priority instead of overextending yourself trying to do the work of six people.”
– Alex Alexander, lifestyle blogger and founder of the Friendship IRL podcast
“Hosting a Friendsgiving can be the most fun extracurricular activity you ever signed up for – or the most stressful thing you’ve ever come across. I prefer the former, and try to channel my late mother, a legendary hostess herself, who always said to ‘be your own best guest’. “
Invite people you want to see and spend time with, maybe even ones that you don’t know that well but are interested in getting to know better.
Prep, prep, prep. The more you prep, the more relaxed you are.
Don’t be afraid to ask for help during the dinner! Your guests will offer, so take them up on it! They can’t cook for you, but they can light candles, help with drinks, etc.
Invest some time to create a seating chart. Yes, they might feel a little stiff and outdated, but this assures you will be seated next to the person you actually want to talk to, plus you can make sure couples don’t cling to each other, never a good omen for a fun night.
Last but not least, try to be ready 30 minutes before guests arrive. That leaves you time to have a drink, enjoy the beautiful scene you’ve set, and get in the mood to chat, laugh, and generally have a good time.
– Sophie von Oertzen, Designer and Founder of Sophie Williamson Design
“The food is the least important part; the most important thing is that your guests feel welcome. This is tied to that old saying: “People won’t remember what you said, but they will remember how you made them feel.” So welcome everyone, make them feel the gift of their presence, and facilitate the conversation.
People enjoy being in the homes of others in part because it’s a chance to get to know their host better. This is a chance to let your personality shine! To serve the meal on that china your mother-in-law foisted upon you despite all the times you said no (and tell the story), rope your guests into playing the game your family played as a child, or ask all your friends to share the most awkward thing a family member has said at a past Thanksgiving.”
– Emily Walker, Founder of The Next Dinner Party and Next Dinner Party Designs
Eat, drink, and be thankful
Friendsgiving is a time to celebrate friendship, gratitude, and the joy of gathering with people you care about. By keeping things simple, embracing the spirit of togetherness, and adding a few personal touches, you can create an unforgettable event. Remember, the best part of Friendsgiving isn’t the food, the wine, or the decor — it’s the laughter, stories, and memories shared around the table. Happy Friendsgiving!
Everywhere you turn, another ad is sharing the good news of a great deal. There’s only one catch: You’ve got to download their app to get it.
The trend in app-based rewards and offers is driven by many things at once. A prolonged period of high inflation made everything feel expensive to consumers. So they started making trades — eating in, buying store brands or waiting to make big purchases, for example. That set off alarm bells for companies as they saw sales slumping so much that price hikes couldn’t make up for it.
Meanwhile, in the background, technology has improved, making it easy and convenient to place an order or pay with a phone. And companies have realized their app-wielding customers are some of their best.
So how do companies bring inflation-weary shoppers and diners back or entice them to buy more often? They offer deals in the form of value meals, coupons and rewards. And they put the deals on their apps.
Price-conscious shoppers want a deal
Retailers know the mental math customers are doing right now when they decide where to spend their money. That’s why they’re clamoring to offer the best and most relevant deals to get people through their doors. In-app deals and rewards aren’t new, but they’ve become the perfect place to tempt customers with tailored offers using notifications, location-tracking information, order history or other data.
Take groceries, for example. Persistently high food prices have made people more price sensitive, making them hunt harder for a good deal, says Sean Turner, co-founder and chief technology officer at Swiftly, a retail tech company that offers digital platforms and data analytics to grocery stores.
“Because it’s such a high spend for consumers and there is so much variety of choice and how you allocate those dollars and how you trade up or down depending upon your budget, shoppers spend a bunch of time kind of trying to obsess and optimize over that pricing,” he says.
Saving time and money
Finding the right item at the right price can shape a person’s entire shopping trip, Turner says. “That’s the battleground for these retailers and that’s going to determine do I go to Lucky’s or do I go to Safeway or Raley’s this week?”
Historically, shoppers relied on weekly circulars that came in the newspaper and advertised the week’s price cuts and coupons. Now, those deals appear front and center in the store’s app.
And while you’re in the app, you can check the rest of your grocery list against the store’s inventory and prices, adding a layer of convenience people will come back for. “You want to know that it’s going to be there. Where is it? What’s the price going to be? And that’s how shoppers are using a lot of these retailer apps right now.”
For instance, recent “digital deals” on the app for QFC (part of the Kroger grocery chain) included $4.99 for frozen fish sticks and other products from Gorton’s ($6.99 without the app) and $5.99 for a box of six Kind bars ($7.99 without the app).
Creating perks for members
Forget punch cards. Companies hoping to secure customer loyalty have gone all out to build a list of membership perks designed around their apps. Customers typically don’t have to download the app to join the program and reap rewards, but some bonuses happen exclusively on the app. Here are a few examples:
Lululemon members get early access to new products on the company’s app, among other special privileges.
McDonald’s app users get points with each purchase that can be redeemed for free food. First-time app users get a free Big Mac with a $1 minimum purchase.
The North Face’s XPLR Pass lets members earn points toward rewards when they use its app to check in while visiting a national park or monument.
Concerns about privacy
What might seem like a killer deal comes with a cost. Every time you download an app, you’re agreeing to hand over your personal data to that company, says R.J. Cross, director of the Don’t Sell My Data campaign with PIRG, a consumer advocacy group. “We’re accidentally opting in to our data being collected all the time.”
It’s hard to know what purpose that data collection serves. The more that’s collected and stored — or sold to third parties — the more likely it’ll be exposed in a security breach, Cross says. “It’s not a transparent system. People have to be on their guard.”
Consumer advocates also fear how the use of personal data can influence pricing. Dynamic pricing generally refers to the use of technology to automatically change prices based on supply and demand. But what happens when a company knows a lot about you and your shopping habits and knows you can’t see what it’s charging other people for the same item?
“It’s a system that has the capacity to be predatory,” Cross says.
(Turner says Swiftly, which powers mostly regional and independent grocery stores’ apps, doesn’t invest in dynamic pricing technology for this reason. “There’s some sense that that might not be the most fair thing to consumers,” he says.)
Tip: Don’t download every app
Privacy risks aside, a trove of personal consumer data also enables companies to use targeted advertising to entice people to spend money. Maybe money they’d never planned to spend.
Not every deal is a deal, Cross warns. It’s more like a nudge. “It’s so permeated throughout our culture that we make it hard for someone to opt out of being barraged by so many targeted appeals and deals.”
She would have consumers avoid loyalty apps altogether and push back on companies that say you have to have an app to access something like a boarding pass for a flight or a ticket to a concert. But if you do get the app, be choosy, she says. “Maybe limit it to the ones you visit regularly instead of a one-time deal.”
If you do opt to download an app to your phone, make sure to review your privacy settings to avoid letting companies collect whatever data they want, including your activity on other apps.