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Are you looking for the best jobs for pregnant women? Pregnancy is a special and exciting time for moms-to-be, and you may be looking for ways to make money during this time period. Finding the perfect job when you’re pregnant can be a scary feeling, but it doesn’t have to be. The key is to…

Are you looking for the best jobs for pregnant women?

Pregnancy is a special and exciting time for moms-to-be, and you may be looking for ways to make money during this time period.

Finding the perfect job when you’re pregnant can be a scary feeling, but it doesn’t have to be. The key is to focus on looking for opportunities that suit your skill set, level of experience, and physical limitations during pregnancy.

For me, when I was pregnant not too long ago, I really loved being able to work from home. It made life so much easier, and the flexible hours helped greatly for when I wasn’t feeling up to it.

A good starting point could be looking for work-from-home positions or freelance opportunities that allow for more flexible schedules and the possibility of working at your own pace from the comfort of your home.

Recommended reading:

Best Jobs for Pregnant Women

There are 16 ways for pregnant women to make money listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:

Below are the top jobs for pregnant women.

1. Blogger

Blogging is exactly what I do for a living, and it is how I made money while pregnant as well.

Being a blogger means writing blog posts for people on the internet, just like with this blog post that you are currently reading.

You can write about things you like, such as money, travel, lifestyle, or family. Plus, you get to choose how you make money from your blog – there are lots of ways, like display ads or affiliate marketing.

Blogging is how I earn most of my money, and it has totally transformed my life. I can travel whenever I want, make my own schedule, be my own boss, and spend the whole day with my daughter. Plus, having flexible work hours helped me a ton while pregnant as I was able to choose my working hours.

Learn more at How To Start A Blog FREE Course.

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Want to see how I built a $5,000,000 blog?

In this free course, I show you how to create a blog, from the technical side to earning your first income and attracting readers.

2. Freelance writer

Similar to blogging, freelance writing gives pregnant women the opportunity to showcase their writing skills while working remotely. This job allows you to work on various writing projects, such as articles and ebooks.

Freelance writers create articles, website content, social media posts, or even ebooks for different people or companies.

I have worked as a freelance writer for many years. It’s a great career because you can work from home and set your own schedule, like writing only when you’re feeling good during your pregnancy or while your baby is napping.

Recommended reading: 14 Places To Find Freelance Writing Jobs For Beginners

3. Tutor

An online tutor gives academic support to students via video chat or messaging platforms. It’s a good option for pregnant women as it is flexible and can be done from the comfort of your own home.

Helping students with their studies can be a good way to earn money while pregnant. There are lots of ways to tutor from home, and you can make your own schedule and decide how much or how little you want to work.

Recommended reading: 11 Best Places To Find Online Tutoring Jobs (Make $100+ an hour)

4. Sell printables on Etsy

If you have a knack for design, you can create and sell printables on Etsy. This is a great work-from-home option for pregnant women who are creative and enjoy designing digital products.

Printables are digital products you can download and print at home, like checklists for grocery shopping, planners for your budget, invitations for weddings, printable wall art, and more.

I recommend signing up for Free Workshop: How To Earn Money Selling Printables. This free training will give you ideas on what to sell online, how to get started, and how to make printable sales.

Recommended reading: How I Make Money Selling Printables On Etsy

Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.

5. Virtual assistant

Virtual assistants give administrative support to clients (like an administrative assistant!), including managing emails, organizing calendars, arranging travel (such as booking hotel stays and rental cars), and scheduling appointments.

With the flexibility to set your work hours, this online job is perfect for pregnant women.

I have been a virtual assistant in the past, and I currently have a virtual assistant. It is a much needed job that just continues to become more and more in demand.

Recommended reading: Best Ways To Find Virtual Assistant Jobs

6. Transcriptionist

In this job, you convert audio files into written text. As a transcriptionist, you can work from home with flexible hours, making it one of the good jobs for pregnant women to work from home because you can work as much or as little as you want.

Transcription jobs are flexible, and you can do them right from home.

As an online transcriptionist, your job is to listen to audio or video recordings and write down exactly what is being said. The aim is to do it without making mistakes in spelling, grammar, or punctuation.

I recommend watching Free Workshop: Is a Career in Transcription Right for You? to learn more.

Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly

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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.

7. Answer online surveys

If you are looking for easy jobs while pregnant, then I recommend answering online surveys.

There is no set schedule, and you can do these while watching TV or in bed. No, you won’t get rich (nor will it be a full-time job), but it can give you a little extra spending money.

The survey companies I recommend for extra cash include:

  1. Survey Junkie
  2. Swagbucks
  3. Branded Surveys
  4. PrizeRebel
  5. American Consumer Opinion
  6. User Interviews – These are the highest-paying surveys with the average being around $60. I have personally done one of these, and I was paid $400 for an hour of my time.

Recommended reading: 18 Best Paid Survey Sites To Make $100+ Per Month

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Swagbucks is a site where you can earn points for surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.

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Branded Surveys is one of the most popular survey sites that rewards you in cash and gift cards for sharing your opinion. You can get paid anywhere from $0.50 to $5.00 per survey.

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American Consumer Opinion allows you to express your opinions on products and services through surveys and product testing. You can earn $1 to $5 per survey taken.

8. Proofreader

If you’re good at noticing small details, you could offer your services as a proofreader or editor for various kinds of content. This means checking and fixing mistakes in writing.

People such as writers and business owners hire proofreaders and editors to make their work better.

I personally have a proofreader, and I know many, many others who have proofreaders as well. It is an in-demand job that you can do while pregnant at home.

If you want to become a proofreader, I recommend joining the free 76-minute workshop – Learn How to Become a Proofreader…and Start a Freelance Proofreading Business.

Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year)

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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.

9. Bookkeeper

If you’re good with numbers, you might try selling bookkeeping services online or for small businesses, either as a freelancer or part-time.

Bookkeepers are people who handle financial tasks for businesses and this includes keeping track of sales, managing expenses, and creating financial reports.

Plus, you do not need a bachelor’s degree to get started.

If you want to become a bookkeeper, I recommend watching the free training How To Become A Bookkeeper.

Recommended reading: How To Find Online Bookkeeping Jobs

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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.

10. Sell Canva templates

A Canva template is a ready-made design that you can sell for things like social media graphics, ebooks, and presentations.

Businesses, advertising professionals, social media influencers, and more buy Canva templates because it’s a helpful starting point if you’re not great at designing from scratch. These templates have blank spaces where you can add your own words and pictures. You can also change colors and fonts to fit your preferences.

They’re really useful for making things look good without spending a long time on it.

And, this is where you can come in.

You can design templates and sell them to others to use.

With Canva templates, you can sell a single design an unlimited amount of times. If you’re looking for something passive, this is a great way to learn how to make money while pregnant.

Recommended reading: How I Make $2,000+ Monthly Selling Canva Templates

11. Data entry clerk

Data entry clerks input, update, and double-check information in lists or tables, typing things like numbers and names to keep everything neat and organized.

On average, data entry jobs pay around $15 to $20 per hour.

All you need is an internet connection and a reliable computer to get started too.

This is a low-stress work-from-home job that is good for pregnant women.

12. Write book reviews

Book reviewers read books and get paid to share their opinions in book reviews. There are websites that pay you (and sometimes give you a free book) to talk about what you think of the books.

Some companies that pay for book reviews include Online Book Club, Kirkus Reviews, and BookBrowse.

So, if you find yourself reading a lot of books while pregnant, this can be a great place to start to make extra money.

Recommended reading: 16 Best Ways To Get Paid To Read Books

13. Graphic designer

If you have design skills, you can make money while pregnant by creating logos, website designs, brochures, business cards, marketing materials, and more for clients as an independent contractor.

This is a job that you can do as a freelancer, which means you can make your own schedule and work as much or as little as you would like.

Recommended reading: How To Make Money As A Digital Designer

14. Social media manager

Social media managers and online community managers take care of a business’s social media accounts and online communities (such as forums) with the goal of bringing in new customers and helping the business grow.

They may post pictures or videos to highlight products or the company, and they might join in on popular social media trends, like on TikTok, to get more people to see them.

Social media managers also answer common questions that customers ask, such as on Twitter, in an Instagram Story, or in a TikTok video.

15. Search engine evaluator

A search engine evaluator, also called a Google Rater, is someone who gives ratings to websites based on how good and helpful they are.

This online typing job is perfect for beginners because you don’t need any experience to begin, and you don’t have to be an expert because Google prefers regular people to rate their sites.

Learn more at How To Become a Search Engine Evaluator.

16. Flea market flipper

A flipper buys items from places such as garage sales, Facebook Marketplace, or thrift stores and resells them online for a profit.

For example, you may sell clothing, appliances, household goods, and more as a flipper.

You may be able to earn extra money by flipping items for resale or possibly earn a full-time income!

A helpful free training that I recommend is Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days.

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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.

Frequently Asked Questions

Below are answers to common questions about finding a job while pregnant.

Should I say I’m pregnant at a job interview? What are the rights of pregnant employees?

Legally, most employers cannot discriminate against you based on pregnancy, childbirth, or related medical conditions, as established in the Pregnancy Discrimination Act. However, you might wonder if you should disclose your pregnancy during an interview. Ultimately, it’s your decision. If you believe the job is a good fit for you and your pregnancy, you can choose to discuss it after receiving a job offer to determine the necessary accommodations.

It’s usually within your rights to only disclose your pregnancy when you feel comfortable doing so. You should prioritize your health and the needs of you and your child, and focus on finding a job that supports your situation.

What job should I get while pregnant?

When looking for a job while pregnant, you may want to look for jobs that are not physically demanding and have a flexible work schedule. Some job options for pregnant women include becoming a virtual assistant, freelance writer, or proofreader.

What are suitable jobs for women with high-risk pregnancies?

For women with high-risk pregnancies, it’s important to choose jobs that don’t have exposure to harmful chemicals or require heavy lifting. Remote jobs such as online tutoring, social media management, or bookkeeping are ideal in this situation, but you should always ask your doctor to see which jobs are best for your specific situation.

How can a pregnant woman earn money from home? What are the best remote jobs for pregnant moms?

I think working from home is the best possible job idea for pregnant women, and it’s exactly what I did while pregnant! Pregnant women can earn money from home by taking on remote work or freelancing positions. Some options include proofreading, virtual assistance, freelance writing, bookkeeping, and online tutoring.

Are there jobs available for women in their third trimester of pregnancy?

Yes, there are jobs for women in their third trimester of pregnancy. Remote jobs or freelancing in fields like writing, proofreading, or bookkeeping can be suitable during the third trimester, along with many others!

Can you start a job at 7 months pregnant?

The Pregnancy Discrimination Act of 1978 says that companies with 15 or more employees can’t make job decisions based on pregnancy or childbirth. As long as you can do the job, a company cannot refuse to hire you just because you’re pregnant. So, if you are 7 months pregnant and need a job, you can get one.

What jobs can you not do while pregnant?

Jobs that you may want to avoid while pregnant include those that involve exposure to toxic chemicals or heavy lifting. Also, some roles with high stress or long hours may not be suitable for some pregnant women. I highly recommend talking with your doctor about which jobs are safe for you during your pregnancy if you have questions.

Can I use FMLA while pregnant?

The Family and Medical Leave Act (FMLA) allows qualified employees to take up to 12 weeks off from work without pay for certain family and health reasons, like being pregnant.

Is it OK to not work while pregnant?

Yes, it is okay not to work while you are pregnant. If you can afford it, then saving money ahead of time can be very helpful.

Best Jobs for Pregnant Women – Summary

I hope you enjoyed this article on the best jobs for pregnant women.

Whether you are looking for permanent or temporary jobs while pregnant, you have many options.

If you are wondering what is the best job for a pregnant woman, then the list above is a great place to start. Everyone is different, and everyone’s pregnancies are different – so, you will want to think about what you are comfortable doing as well as what you can physically and mentally handle.

For me, I was so nauseous and sick for the first several months that it was too hard for me to do pretty much anything. Working online was all that I could handle, and even then, that was difficult.

So, do not feel bad if you are not able to handle much. Pregnancy is hard! You are growing a baby and that takes a lot out of a person.

I hope you are able to find the best job for you.

What do you think are the best jobs for pregnant women?

Recommended reading: How To Take Maternity Leave When Self-Employed

Source: makingsenseofcents.com

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There seems to be an exorbitant number of young people posting all kinds of pictures and stories about their incredible (and expensive) travels online. And alongside that, most of us young people are struggling just to find affordable housing. So what gives? How is this generation of Americans both more broke than other generations, and also traveling so much? Well, we’re diving into some answers here, so keep reading!

1. It’s All on Credit

Photo Credit: Shutterstock.

One user said, “I have a friend who takes 4 or 5 vacations annually. She and her husband are not wealthy by any means. I asked how they could possibly afford it (bc I was jealous), and she said it was all on credit. I stopped being jealous after that.”

It’s true: a lot of people use credit cards to travel and then make payments afterwards to catch up. Sure, you get cool experiences, but is it worth it to have standing debt that’s accruing interest at an exorbitant rate? Most of us would say no.

2. Debt and Nihilism

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One Redditor shared, “Debt and nihilism. A lot of them kind of think the world is going down the crapper and their lives will only get worse from here on out, so might as well enjoy it.”

Another user replied, “Pretty much, honestly. I’m 26, a relatively s- job. Want to start a career, but that’ll require more school, which is fine. The [debt] will only set me back around a year, and I’ll make a bit more thereafter. Even after that, I won’t make enough to both afford a house and contribute a lot to retirement, though; I might as well get my money’s worth in life in my 20s and 30s while I’m still a beast physically (ski vacations, backpacking, running every event from 800 to ultras, hopefully after graduating more expensive stuff even like mountaineering, alpine touring).”

Ok, we understand this view a little better. It’s true, the world is changing rapidly and there’s a lot of joy to be found in traveling while you’re young, and strong enough to have the more intense adventures. But just proceed with caution, especially where credit cards are involved.

3. Rich Parents

Photo Credit: Shutterstock.

“Rich parents,” one user posted.

Another user commented, “Definitely rich parents or running up credit card debt. I went to school for 8 years and ran up around 300k in [debt]. About a year or two after graduating, a classmate shared that he paid all of his student loans off. While I was funding everything with [debt], he was being heavily funded by his parents, so his [debt] was a fraction of what mine was, and he knocked it out fast.”

To be fair, if we had wealthy parents, we’d probably travel too. Probably the worst part about this one is that young people with wealthy parents are more often than not quite out of touch with the struggle middle-class people have to save up and travel. So, compassion might be the key here. That, and maybe keeping some of those gorgeous photos in a private chat instead of an Instagram feed.

4. Credit Cards

Photo Credit: Shutterstock.

One user shared, “Credit cards are a [hecking] drug.”

Another user commented, “Yup I worked collections for too long, and I would see people barely make the minimum payment and then turn around and ask how much [they had] left to spend. Crazyyyyyyyyyyyy.”

One added, “When I was working in retail, I had an amicable ‘cash or card’ chat while ringing someone up when I said something like, ‘I’d just as soon use my card for everything and get the points.’

“The customer, 10+ years older than me and spending a couple hundred dollars, kind of scoffed and said, “Yeah, if you pay it off!”

“That’s not to knock anyone using credit cards to make ends meet. Still, it’s stuck with me because she was fully insinuating that it was unreasonable for anyone to pay off their balance reasonably regularly. Like, ma’am, are you sure you want to buy this dress?”

5. They Live With Their Parents

Photo Credit: Shutterstock.

Generational living has been a feature of many cultures both across the glob and throughout history. In fact, Americans are more of an anomaly in this regard than we usually think. But taking the opportunity to live with your parents, especially if you have a healthy relationship with them, can set you up financially for more than just travel, although that’s certainly one motivation to practice generational living!

One Redditor commented, “They live with their parents.”

Another user replied, “My dad lived with his mom until he was 45. I live with my parents as well. No rent makes a huge difference.”

6. Hard Work or Rich Parents, Possibly Both

Photo Credit: Shutterstock.

One Redditor added to the thread, “I work with a 24-year-old. After college, he got an entry-level job at our company (he was 22) and did really well. He probably makes $70K+, has a roommate and has no kids—plenty of extra money.

“My stepdaughter is 21, works part-time at a coffee shop, and her parents pay her rent, her tuition and most of her expenses. She also has plenty of extra money. So, either hard work or rich parents, possibly both.”

7. High-Income Jobs

Photo Credit: Shutterstock.

While we’re in high school, most of us are told to follow our dreams. And it’s really life-changing to have a job you enjoy versus a job you tolerate or really dislike. But some of us have the talents and dreams that guide us towards higher paying jobs, and that’s a fact we all have to come to terms with. Somebody who loves math and dreams of engineering will probably make more than somebody who has a passion for children and teaching.

“Rich parents or high-income jobs,” one user stated.

Another Redditor replied, “High-income jobs really hit you differently when you don’t have any dependents too.”

8. Saving Up

Image Credit: Shutterstock.

“When I was a new grad, a bunch of my friends/acquaintances moved out and lived independently. Had the nicest clothes and went out to every event. I lived with my parents and saved. (Lucky enough that they didn’t need my help.)

“Well, I’m in my early 30s now. I have my own condo; it’s not the nicest car, but I’m happy with it. All my friends/acquaintances had to move back home because they couldn’t afford to live independently anymore.

“I don’t know their financial situation, but they always ask how I could afford it. My parents aren’t rich, but living with my parents after I graduated definitely is the reason I could eventually move out and buy my own place,” shared one online user. 

9. Being an “Influencer”

Photo Credit: Shutterstock.

It’s not a secret that much of what we see online, especially influencer content, is mostly illusion. There are private jets to rent as a photo set; you can go get your pictures and then fly a budget airline. All the appearance of being rich; none of the reality.

One user posted, “Where do you ‘see’ these people? Are these people you know or people you see on social media?

“Being an ‘influencer’ is a freelance entertainment job. These guys earn money by appearing to have perfect lives in every way. If they don’t provoke envy or aspiration, they aren’t making as much money as possible. Don’t let yourself be sold a bill of goods, okay? There’s a man, not a wizard, standing behind that curtain.”

10. Inheritance

Photo Credit: Shutterstock.

Ok, it’s hard to fault people for inheriting money enough to travel. And some genuinely do. But that doesn’t make it any easier to follow along with their adventures while we work away in our offices.

One user posted, “Inheritance, trust fund babies, parents’ gifts.”

11. Work in a Tourist Attraction

Photo Credit: Shutterstock.

Credit cards seem to be the biggest answer. Young people aren’t afraid of debt in the way many others are. And while there’s nothing inherently wrong with putting trip expenses on a credit card if you know you can pay it off, there’s definitely a risk to traveling on credit too often. Your future self may not thank you.

One user shared, “I work in a tourist attraction. I’ve seen many 21-25-year-olds from the U.S. and other continents travelling here. A lot of them are in college! I’m the same age as them, and I wasn’t able to afford to go travelling or party while in college. Edit: I would like to note a majority of them are paying with credit too.”

12. There Are More Affordable Options if You Plan It Right

Photo Credit: Shutterstock.

“Everyone else has covered the how, but I do want to mention how important it is to travel when you can. There’s no reason to make it lavish to get the benefit from it. There’s lots of more affordable options if you plan it right. Start with weekend road trips. I never left the country (USA) until I was 25, and now I’ve been to 16 countries (although some were for work trips). I try to take one proper vacation a year. Every other year, I do something more extravagant (that I have time to save up for), and the off years, I do something domestic.

“I think it’s the best gift you can give yourself to see how other people live and experience their culture. It expands your horizons and also helps you appreciate home,” one user added. 

13. Making Money off Scams

Photo Credit: Shutterstock.

One user shared, “A lot of people I’ve seen in their 20s are doing fraud. I don’t know in detail how they do it, but it’s something with CPNs and people’s social security. I’ve seen people with all these designer bags and designer clothes and going on all these trips. Yet they work in a warehouse or a low-paying job. They are, without a doubt, scamming. Also, I know a lot of women deal with men who are willing to spend money on them. I have friends who will get flown out by men they are dating. These men also seem to be doing illegal activities. Trust me, a lot of people out here are not living right. They are risking their freedom for a fake lavish lifestyle.”

14. Selling Themselves Online

Photo Credit: Shutterstock.

One user commented that most likely, lots of influencers have switched to having paid subscribers to their accounts. And while it’s not exactly easy money for just anyone, a lot of people are succeeding at drawing in people who are willing to pay for their content. It takes a pretty high comfort level with posting yourself online for others’ viewing pleasure, but those who have the guts and the success will probably have the ability to travel on that money too.

15. They Know Someone Who Works for an Airline

Photo Credit: Shutterstock.

“People give others gift cards and airline points and know people who work in airlines. So, if you know someone who works for an airline, you can [often] get a $100 guaranteed ticket for a flight. Or buddy pass is free! Also, work in an airline that gives you free seating when empty seats are available. Also, parents sell their homes to their kids for $80K, and the home value is $500K plus.

“They take out a second mortgage on the house to live it up in their 20’s and slowly roll into their 30s and, by 40’s, divorced and in Debt. Also, Credit card points from people to buy airline tickets and travel expenses. They also have their parents credit cards and order ride shares with accounts of their parents that have corporate accounts credit cards on them. Females are more likely to have Dad’s credit cards for emergencies and Guys more likely to have [Mommy’s] credit cards that stepdad or birth dad pays for. Also, they have credit card debt that they file Chapter 7 on, and parents most likely pay the vehicle/ rental payments. Now, they use their parents’ vehicles to make money doing rideshare/or gig work while their parents pay the rent/ and the vehicle they pay bills. Parents paid for the college! Things I have learned about from people doing rideshare and people I have met in life,” posted one user. 

What do you think of the statements listed above? Share your thoughts down in the comments!

Source: Reddit.

10 Actors Perfectly Cast for Their Character Roles

Photo Credit: Warner Bros.

Have you ever watched a movie or show and been completely lost in it because of how well an actor or actress became their character? Check out this article for a whole list of actors who were perfectly cast!

11 Vampire Movies That Will Make You Thirst for More

Photo Credit: Columbia Pictures.

You know that feeling where you’re on a movie kick in a certain genre, but you seem to run out of good movies to watch? Well, if you’re down for a vampire movie or three, check out this article for the best ones out there!

10 Incredible Movies That People Rated 10 Out of 10

Photo Credit: Universal Studios.

It’s pretty hard to replicate the experience of watching your favorite movie for the first time, but we’ve put together a list of movies that people have rated at a perfect 10/10. Next time you need a good movie to watch, check this out!

10 Famous People Who Canceled Themselves With Their Own Stupidity

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We’ve all been there: you make a comment you haven’t thought through at all, and the whole room goes silent at what you’ve just said. But can you imagine doing that as a famous person—and getting canceled? Check out this list of celebrities who did just that!

13 Things You Shouldn’t Do When You’re in the US

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Are you planning a trip to the US? Culture varies a lot between countries, even countries that share borders. So if you’re headed to the good old U. S. of A, here are a few pointers to make your travels go more smoothly!



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Source: financequickfix.com

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Inside: Looking for delicious, budget-friendly meals? Look no further! This guide has 100+ delicious and frugal recipes that will help you stick to your food budget.

When it comes to keeping your grocery budget in check, meal planning is a powerful tool. It can simplify your life, save you precious time, and stretch your dollars further.

You don’t always need pricey ingredients to whip up something delicious. Creating frugal meals doesn’t mean you have to compromise on flavor.

Sometimes, a frugal meal could mean something cheaper but equally, if not more, delicious than takeout! The key to this art is using simple, inexpensive ingredients, being creative in their application, and not shying away from condiments, herbs, and spices that can elevate your dish.

Remember, eating frugally is not just cost-effective but also simple and stress-free, utilizing common kitchen staples, and easy-to-locate items.

Join me on my mission to make frugal meals that are adored by my family and my thrifty self appreciates.

Frugal Breakfast Ideas:

A frugal breakfast should not equate to boring. Here are a few ways to start your day off right without stressing your wallet:

Waffles/Pancakes: These could be made with basic ingredients like flour, eggs, and baking powder. Top with peanut butter or dust of cinnamon sugar for extra flavor!

Eggs: Cooked to your preference, be it fried, boiled, or scrambled, they are not only easy on the pocket but also a rich source of protein.

Oatmeal: Buy oats in bulk and pair them with over-ripe bananas, pumpkin butter, or a sprinkle of brown sugar. It’s a hearty and filling for just about anyone.

Muffins: Basic muffin ingredients include flour, eggs, and baking powder. For an element of surprise, add in nuts, blueberries, or mashed bananas.

French Toast: With eggs, cinnamon, and loaves of French bread, you can whip up a scrumptious breakfast.

Homemade Bread/Toast: If you’re up to the task, making your own bread could be a money-saving option. This is something I do with sourdough bread. Pair the fresh bread with either sweet or savory toppings.

Omelets: Eggs are a cheap source of protein. Whip up an omelet and serve it with your choice of inexpensive veggies.

Homemade Biscuits: Biscuits are a great addition to any frugal breakfast, with just “milk” and flour ingredients. Pair them with a little meat or enjoy them in butter. Just like my great Aunt Marie made at the ranch.

Choose Spice for Breakfast: This recipe for Mexican baked eggs uses budget friendly canned beans and eggs as a protein source. It’s super simple to make in less than 30 minutes, with eggs baked in a smoky, spicy tomato sauce with black beans, poblanos, and corn. Serve with plenty of corn tortillas for a super satisfying meal.

Frugal Lunch Ideas:

Lunch should be something to look forward to, even if you’re on a tight budget. Here are frugal lunch ideas that keep your tummy and your wallet happy.

Salad: A salad is an excellent choice for a frugal lunch, it’s both cost-effective and healthy. Based on what’s available in your fridge, you can combine different vegetables, proteins, and dressings to create a filling and tasty meal every day.

Sandwiches: The humble sandwich can be as frugal or as lavish as you like. Tuna, grilled cheese, peanut butter, and jelly, ham… you name it, sandwiches offer a great variety.

Homemade Soup: Consider creamy potato soup, creamy vegetable soup, or even curried cauliflower soup. They can be light yet fulfilling, and the ingredients are reasonably priced.

Toast Pizza: Save money by using toast as your pizza base, add what you have in the fridge, top it off with cheese, and cook it under the grill or in the oven.

Baked Potatoes: A toasty baked potato with butter is a delightful, inexpensive lunch. Top it up with fillings such as cheese or broccoli.

Remember, lunch doesn’t have to be expensive to be delicious! Use what you have at home for a more sustainable, economical, and satisfying meal.

Frugal Dinner Ideas:

Dinner is the time when families come together, share their day, and unite over food. There’s a common misconception that frugal foods are bland and monotonous. However, you don’t have to spend a fortune to make dinner delicious and satisfying.

Spaghetti: Who knew that the ultimate comfort food could be so cheap? Combine spaghetti with homemade tomato sauce or cheese, add your favorite seasonings, and voila! You have a delicious meal.

Baked potatoes: Fully customizable and super simple to be a dinner game-changer. Top them with cheese, sour cream, or any other leftovers like chili!

Stir Fry: This is a perfect way to use up any veggies you have. Throw in some meat if you have it, cook with rice and tasty sauce, and your stir fry is ready!

Tacos: Pick up tortillas, get ground beef, or use dried beans, lettuce, and salsa, and there you have your Taco night. You can also swap out the beef for beans, and it’ll still taste delightful.

Breakfast for Dinner: Who said breakfast foods are only for mornings? Whip up scrambled eggs, toast, or pancakes, and enjoy a breakfast-style dinner!

Creating a delicious, nutritious, and frugal dinner can be easier than you might think. It’s all about making the most out of the resources you have, every day.

Recipe Breakdown : Variety Of Frugal Meals

Satisfying Soup & Salad Recipes on a Shoestring

When it comes to frugality, nothing beats the soup and salad combination. These meals are not only hearty and satisfying but also easy on your wallet. With just a few ingredients, these recipes will bring variety and nutrition to your kitchen without putting a strain on your wallet.

Here are a few of our favorite frugal soup and salad recipes:

  1. The Best Chicken Soup Recipe: Simplicity meets flavor without breaking the bank. Utilizing affordable ingredients and leftover chicken, this soup is a testament to how economical choices can still yield rich, comforting results.
  2. Cauliflower and Bacon Soup:
  3. Instant Pot Three Sisters Soup: A blend of corn, beans, and squash.
  4. Root Vegetable Soup: Healthy, comforting, and made with only a few simple and inexpensive ingredients! It’s prepared with veggies like carrots, parsnips, rutabaga, and potatoes simmered in a savory broth.
  5. Healthy Roast Pumpkin and Sweet Potato Soup: Winter favorite loaded with nutrients.
  6. Instant Pot Cabbage Roll Soup: Comfort food at its best.
  7. Smoky Black Bean Soup: Protein packed, tasty, and hearty.
  8. Hearty Lentil Soup: Healthy and will keep you warm during the winter! It’s made with only a few ingredients and requires no special equipment. This soup is made with lentils, veggies, and spices simmered in a savory tomato broth.
  9. Vegan Coconut Curry Lentil Soup: Exotic, aromatic, and down-right delicious.
  10. Instant Pot Split Pea Soup Recipe: Classic soup, ready in no time.
  11. Vegetable Barley Soup: With protein-rich chickpeas, cabbage, potatoes, and the twist of curry spices, this soup is easy, comforting, and delicious!
  12. The Very Best Ham And Potato Soup With Peas: Savory, delicious and economical.
  13. Cheap and Easy Hamburger Soup: Mouthwatering and super easy to prepare.
  14. Creamy Vegetarian Potato Soup: Originally named 45-Cent Potato Soup because that was how much it cost per serving over a decade ago! The cost has increased a bit but this hearty potato soup is still a keeper. Creamy potato soup with veggies and milk – thick, velvety, and hearty. It’s on constant rotation at our house! 

Moreover, when it comes to salads, using seasonal produce, beans, or leftover veggies can be an affordable way to create nutritious meals. Add chicken, tuna, or boiled eggs for protein, or keep it simple with fresh greens and a homemade dressing.

Remember, a frugal lifestyle does not mean you have to compromise on taste or variety. It’s about being creative with what you have!

Cut Costs with these Cheap ‘n Cheerful Chicken Recipes

Dinner necessity is the mother of so many amazing chicken dinners! Plus it is an excellent protein option that can be inexpensive, especially if you seize sales or buy in bulk.

  1. Maple Chicken & Potato Supper: This recipe turns an affordable cut of chicken and two types of potatoes into a family favorite.
  3. One-Pot Chicken and Potatoes: Chicken thighs are cheap, add in potatoes, onions, and carrots for a hearty comfort meal.
  4. Leftover Chicken Curry and Vegetables: Lots of recipes use leftover chicken or turkey. But this “All the Leftovers” Chicken Curry also uses your leftover vegetables. Clean out your refrigerator today!
  5. Instant Pot Chicken Tortilla Soup: A quick, deliciously rich, and slightly spicy meal made up of chicken, black beans, and stewed tomatoes.
  6. Crockpot Chicken Tacos: With just 3 ingredients and 5 minutes of prep, this is a lifesaver for busy nights.
  7. Chicken Curry and Quinoa: Simple, tasty, and feels like a treat without the expense.
  8. One Pan Baked Chicken Thigh Recipe with Green Beans and Red Potatoes: This recipe is easy and inexpensive when you grab the chicken thighs on sale! It is easy to prepare, a healthier option and a family favorite! 
  9. Cheesy Chicken Quesadillas: A perfect, weeknight meal.
  10. Slow Cooker Chicken Thighs with Potatoes and Carrots: A value for money meal with chicken thighs – one of the cheapest chicken cuts.
  11. One-Pan Chicken Legs with Chickpeas and Quinoa: A wholesome, naturally sweet dish with a few spices.
  12. Easy Cheesy Chicken Taco Spaghetti: Made with pantry staples, this comforting dinner recipe is frugal and filling. Full of pasta, creamy sauce, and canned chicken, your family will be asking for seconds!
  13. Chicken Fried Rice: Uses leftovers efficiently, add veggies, and you have a meal.
  14. Easy Pizza Chicken Recipe: A low carb and high protein meal, especially when you use ordinary cheddar.

Remember, maximizing flavor in cheap chicken recipes often relies on using good quality, inexpensive ingredients, and cooking techniques like slow cooking or sautéing. Happy cooking!

Beautiful Beef Dishes that Benefit Your Wallet

When trying to maintain a frugal lifestyle, using affordable cuts of beef like ground beef, shin, or skirt steak can yield mouth-watering meals that don’t bust the budget. Here are a few beef recipes that are both economical and satisfying:

  1. Ground Beef Stroganoff: A classic comfort food that is simple, quick, and incredibly hearty.
  2. Poor Man’s Stew: An excellent choice for a filling, cheap, and tasty meal for a whole family.
  3. Simple Hamburger Hotdish: This simple hamburger hotdish (casserole) makes delicious use of affordable and easy-to-find ingredients like ground beef, pasta, and tomato sauce. This is a great meal idea to feed a family.
  4. Beef Skillet Nachos: Layer chips, ground beef, and cheese in a skillet for an easy, cost-effective meal.
  5. Homemade Beef and Noodles: An economical-friendly classic that can serve a good number of people.
  6. Tortellini Bake: This 4 ingredient Tortellini Bake uses common ingredients like ground beef and marinara sauce to make a satisfying and hearty meal for families!
  7. Cheesy Ground Beef and Rice Casserole: Across the realms of deliciousness and frugality, this casserole rings the bell.
  8. Beef and Tomato Macaroni Soup: Combining the wholesome elements of beef, macaroni, and tomatoes provides a satiating meal at an affordable cost.
  9. Beef and Vegetable Stir Fry: Brimming with colorful vegetables and protein-rich beef, this dish is a delight to both the stomach and the wallet.
  10. Taco Skillet: It’s the taste of tacos in a convenient and cost-friendly rice skillet.
  11. Classic Stuffed Peppers: Filled with a mixture of ground beef, rice, and a zesty sauce, it’s a comfort meal that’s easy on the pocket.
  12. Sesame-Ginger Beef: This dinner calls for an inexpensive cut of meat.

By creatively utilizing budget cuts and leftovers, you can create economical, hearty, and tasty beef dishes for yourself and your family, fostering a love for cooking while sticking to a money plan.

Money-saving Meatless Meal Marvels

When it comes to cost-saving, meatless or vegetarian dishes are a winner. Not only are they usually cost-effective, but they’re also often packed with nutrients. Here are meatless recipes that are sure to delight your taste buds, without denting your wallet:

  1. Quinoa Edamame Salad with Peanut Sauce: Use cabbage and edamame to make a balanced lunch. The peanut sauce is flavor-packed and uses pantry staples, and the quinoa is easy to swap with rice or pasta.
  2. Vegan Lentil Curry: Packed with nutrition, this dish makes an inexpensive, protein-rich meal.
  3. Jamaican Rice and Peas: Economical rice and beans doesn’t need to be boring. Jamaican rice and peas are easy to make in the slow cooker. This flavorful, easy recipe brings delicious Caribbean flavor to any meal as a side dish or a complete meal on its own.
  4. Spinach Lasagna Roll-Ups: Proof that vegetarian dinners can be delightfully hearty, this twist on classic lasagna is a crowd-pleaser.
  5. Bean, Tomato, and Spinach Stew: A hearty and richly flavored dish that is low cost and satisfying.
  6. Vegan Texas Tamale Pie: Great down-home, budget-friendly meal is perfect to whip up when you need something hearty, healthy, and filling to serve to your hungry family or friends in under an hour. Prepared with basic canned ingredients you might keep in your cupboard, this simple recipe can be easily adjusted to suit your tastes with the groceries you have on hand.
  7. Stuffed Bell Peppers: Fill peppers with a delicious mixture of quinoa, black beans, tomatoes, and spices.
  8. Eggplant Parmesan: Classic Italian dish, easy to make, and delicious to eat.
  9. Pasta e Fagioli aka Pasta and Beans: Feed your family for pennies a bowl with pasta e fagioli. Cucina povera Italian food is the food of peasants, but it is so delicious! Only three inexpensive ingredients are needed to make this quick and easy, nutritious, one pot weeknight meal.
  10. Potato & Zucchini Frittata: Use up your leftover veggies and whip up a quick frittata for dinner.
  11. Tomato Basil Soup with Grilled Cheese: A classic that’s both inexpensive and palate-pleasing.
  12. Vegetarian Stir-Fry: A colorful medley of veggies stir-fried in a savory sauce served over rice.
  13. Spaghetti aglio e olio: This spaghetti aglio olio (with garlic and olive oil) is probably one of the most popular classic Italian pasta recipes and yet it’s so simple, budget friendly and super easy to make! 
  14. Butternut Squash Risotto: This dish, while sounding fancy, is frugal and straightforward to make.
  15. Vegan Spaghetti Bolognese: This is a rich, hearty, and flavorful dish that’s lighter on the wallet than traditional bolognese.
  16. Crispy Pan Fried Gnocchi: A simple and quick & inexpensive recipe to make in only 20 minutes for an easy weeknight meal. Crispy gnocchi coated in a light sauce made with garlic, herbs, butter and parmesan.

Implementing meatless meals can significantly cut down on grocery bills, with the added bonus of being healthier and environmentally friendly.

So why not give these recipes a try for your next frugal feast?

Luscious Low-Budget Lunch Ideas

The midday meal can often be overlooked when planning budget-friendly meals. Don’t let lunch blow your allowance! Here are a few low-cost, lip-smacking lunch ideas:

  1. Bean Burritos: Beans and cheese wrapped in a tortilla can be quite satisfying and light on the pocket too.
  2. Tuna Salad Sandwiches: A classic frugal lunch option that’s rich in protein.
  3. Egg Salad Wraps: Egg salad in a wrap is a fulfilling lunch that’s economical.
  4. Homemade Hummus and Veggies: Prepare hummus at home and pair it with fresh veggies for a light and inexpensive lunch.
  5. Mixed Bean Salad: Beans are a powerhouse of nutrition and offer a low-cost lunch option. Mix different beans and dress them up with herbs and spices for a flavorful lunch.
  6. Veggie and Cheese Stuffed Potatoes: A cheesy baked potato with veggies is filling and affordable.
  7. PB&J: Peanut butter and jelly never go out of style and are a great low-cost lunch option.
  8. Tuna Tomato Pasta: Tuna tomato pasta is a delicious healthy and easy recipe that only takes 20 minutes to make. With just a few basic ingredients it’s budget friendly too!
  9. Falafel Wraps: Homemade falafel is quite reasonable and can be wrapped up with pita and fresh veggies for a satisfying meal.
  10. Pasta Salad: Cold pasta salad with veggies is a cheap and filling lunch idea.
  11. Vegetable Fried Rice: Leftover rice, mixed with whatever veggies you have on hand, makes for a delectable and affordable lunch.

When your lunch is as tasty as it is affordable, you’re winning at the game of frugality. Enjoy these luscious lunch ideas without breaking the bank!

Delightful Dinner Recipes That Don’t Dig A Hole In Your Pocket

Dinner is the meal you eagerly look forward to after a long day. Unfortunately, it can also be the priciest meal of the day. But it doesn’t have to be! Here are delightful, cost-effective dinner recipes:

  1. Sloppy Joe Pasta: A homemade mix of pantry staples for a mouth-wateringly filling, budget-friendly twist on the classic Sloppy Joe.
  2. Easy Chilaquiles: Fresh made tortilla chips smothered in homemade salsa, chilaquiles are the best way to make a flavor-packed meal on a budget!
  3. Cottage Pie: Make a delicious cottage pie in the instant pot pressure cooker from scratch. Ideal for using up leftovers and easy to make!
  4. Chicken Pot Pie: Homemade and padded out with cheap, seasonal veggies, it’s a classic favorite, perfect for a weeknight dinner.
  5. Mince & Potato Stew: Heartwarming, flavorful dish that’s easy to make and easier on the pocket.
  6. Linguine with Clam Sauce: Using canned or jarred clams, this linguine dish is made from simple pantry ingredients that won’t break the bank. Dive into a dinner of delicious choice for yumminess.
  7. One Pot Sausage, White Beans, and Kale: It combines flavorful sausage, rich canned tomatoes, white beans, fresh kale, and a few herbs and spices – a cupboard-friendly, inexpensive dinner option.
  8. Tacos: They’re versatile, they’re delicious, and most importantly, they’re cheap.
  9. Potato and Salmon Fish Cakes: Canned salmon and potatoes create a delicious, inexpensive dinner the family will love. They are super easy to make and you can freeze them, too. Even those who dislike salmon enjoy these fish cakes!
  10. Asian-Style Chicken Noodles: This recipe uses leftover chicken and packs a lot of flavors without a lot of cost.
  11. Pasta Arrabbiata: This inexpensive pasta dish is full of garlic, tomatoes, and spicy red pepper flakes. Simple, yet incredibly delicious.
  12. Garlicky Spinach and White Bean Pasta: This recipe is packed with flavor thanks to a surprise, budget-friendly ingredient – tinned anchovies! Simply toss cooked pasta with spinach, white beans, and a garlicky anchovy sauce. It’s easy to throw together for a satisfying weeknight dinner.
  13. Egg Fried Rice: It’s a quick, healthy meal that anyone can cook.
  14. Leftover Pasta Bake: Don’t waste food! Turn your leftovers into a treat with our leftover pasta bake!
  15. Vegetable Stir Fry with Noodles: A quick, healthy dinner full of veggies and flavor.

Low-cost does not mean low taste. These dinner recipes prove just that. So get cooking and start saving!

Put it in Pot and Forget It – Cheap and Easy Crockpot Creations

Using a crockpot or slow cooker can be a real lifesaver for busy individuals or families. Not only does it save time but it’s also a great way to save money by making inexpensive cuts of meat tender and flavorful.

  1. Slow Cooker Spicy Chicken Soup: A simple 4 ingredient recipe that’s inexpensive yet tastes amazing.
  2. Slow Cooker Sausage and Peppers: Slowly simmered in marinara sauce for a frugal dinner that’s hard to beat! Just serve over pasta or polenta for an easy dinner. Plus, the leftovers are just as delicious for lunches.
  3. Crockpot Beef and Broccoli: The economical version of your favorite takeout dish.
  4. Slow Cooker Black Bean Soup: Inexpensive, full of flavor, and so hearty!
  5. Creamy Crockpot Chicken: Warm shredded chicken and gravy in your slow cooker for the win.
  6. Crockpot Baked Beans: Cheaper and healthier than store-bought!
  7. Crockpot BBQ Chicken: Sweet, tangy, and made with a handful of pantry staples.
  8. Crockpot Lentil Soup: Super hearty, packed with nutrients, and so easy to whip up!
  9. Slow Cooker Pot Roast: The easiest one pot meal and is an instant win for family dinner! Plus, it’s budget-friendly! Easy to prepare for weeknight meals or special occasions alike, this easy pot roast recipe is always a crowd-pleaser!
  10. Slow Cooker Salsa Chicken: Just two ingredients are required for this super versatile recipe.
  11. Crockpot Vegetable Beef Soup: Healthy, hearty, and incredibly easy to make.
  12. Chicken Paprikas Recipe: Use chicken thighs and cauliflower which make it a super frugal meal. If you prefer you can serve it over rice instead of the cauliflower but even her kids agree that the cauliflower version is delicious.
  13. Slow Cooker Mac and Cheese: Yes, even mac and cheese can be done in a crockpot! Even better try this Broccoli Mac Kielbasa Casserole.
  14. Crockpot Ham and Bean Soup: This recipe uses inexpensive and filling beans and veggies, perfect for when you’ve leftover ham.
  15. Slow Cooker Vegan Chili: A vegan twist on this classic comfort food for those chilly days ahead makes for a healthy dinner packed with nutrients brimming with flavor!

Each of these meals will serve you without making a significant dent in your grocery budget. Enjoy the convenience and frugality that slow cooking brings!

Make It Snappy With Instant Pot Recipes

The Instant Pot is a versatile kitchen appliance that’s excellent for fast, delicious meals when you’re on a budget.

  1. Instant Pot Ground Beef Enchilada Pasta: This easy dish combines a few affordable ingredients into a hearty meal that your family will love.
  2. BBQ Beans Instant Pot Recipe: A frugal recipe that’s great as a main dish or a filler for burritos.
  3. Easy Pizza Potatoes in the Instant Pot: A simple pairing of pizza flavors and potatoes for a wallet-friendly dish.
  4. Air Fryer Pita Bread Pizza: Only 5 minutes and a handful of low-cost ingredients to a delicious DIY pizza.
  5. Sweet Potato, Lentil and Chickpea Curry: This vegan instant pot recipe is full of flavor, super hearty and delicious, and extremely reasonable to make.
  6. Mushroom Masala- Mushroom Curry: An exotic and easy-to-prepare mushroom curry that satisfies without stretching the dollars.
  7. Chicken and Sausage Paella in the Instant Pot: Cut down cost by using sausage and chicken thighs for this easy, savory dish.
  8. Instant Pot Tuna Casserole: Comfort on the cheap, using pantry staples.
  9. Fast and Easy Instant Pot Chicken and Rice: Made using basic pantry staples and suitable for both adult and kid taste buds.

These Instant Pot ideas are not only quick and easy to prepare but also budget-friendly. They’re proof that frugal doesn’t mean boring!

Handy Kitchen Tools for Budget-Savvy Cooking

When it comes to frugal cooking, your kitchen gadgets can be your best companions. These tools can save you both time and produce restaurant-quality dishes at home for a fraction of the cost.

Many are the same as frugal home must haves!

Only rely on tools that you use regularly in order to maximize their cost. So, equip your kitchen with these practical, cost-effective tools, and enjoy a more manageable culinary journey.

FAQs: Navigate Your Approach to Cost-Efficient Eats

Eating lunch at work doesn’t have to mean spending a fortune, following these tricks can save you a lot of money:

  • Meal prep: Plan your meals ahead of time. Invest in a few hours during the weekend or your day off to cook large amounts and portion them out for the week ahead.
  • Leftovers Are Your Best Friend: Make a bit extra while cooking dinner, and voila, you’ve got lunch for the next day. A yummy, cheap, no-fuss, and no-waste solution!
  • Pack Your Own Snacks: Trade small shop-bought packs of snacks for a large bag or bulk-buy from a wholesale store. Divide them into small reusable containers for your daily hunger itch.
  • Invest in a Flask: A good quality thermos flask can keep your homemade soup or stew warm until lunchtime and it’s a lot cheaper than buying soup from a cafe.

Remember, the key is not to take complicated dinners which takes a lot of time. Rather, simple sandwiches, yogurt with fruits, homemade soup even boiled eggs can make great inexpensive lunch options. Planning ahead is key when you’re trying to eat on a budget.

There are several cheap meals you can whip up using budget-friendly ingredients. The absolute cheapest would depend on what you already have on hand in your pantry or the cost of ingredients in your locality.

  • Rice & Beans: This is a universally cheap and filling meal that can be flavored with some stock, onions, and spices.
  • Pasta with Tomato Sauce: This is a popular choice when it comes to cheap ideas. All it takes is a rigatoni of your choice, a basic tomato sauce made from canned tomatoes, garlic, and herbs.
  • Cereal & Milk: A bowl of generic brand cereal and milk is an incredibly cheap meal. It lacks in terms of proteins and fats, but it can be a good quick fix.
  • Eggs on Toast: Eggs and bread are both cheap elements. Whip up scrambled eggs or make a simple boiled egg sandwich.
  • Potato Soup: One of the cheapest vegetables around, and they make a filling, simple potato soup.
  • Homemade Pizza: Using basic homemade dough and simple tomato sauce, you can add anything you have on hand to make a delicious pizza.

Remember, the cheapest dinners typically use basic pantry staples. By having a well-stocked pantry, you’ll be able to whip up a variety of low-cost dinner ideas.

A frugal meal doesn’t equate to scanty or tasteless. Here’s what defines a frugal meal:

  1. Inexpensive Ingredients: Frugal meals predominantly use cheaper ingredients. Find plenty of cheap foods when broke (and you don’t need to be broke).
  2. Fewer Ingredients: Meals with minimal ingredients are typically more economical. They aren’t stuffed with fancy extras, but they make up for it in hearty flavor.
  3. Uses Pantry Staples: Rely on pantry staples like rice, dried pasta, canned goods, and dry baking ingredients.
  4. Repurposes Leftovers: Instead of wasting ingredients incorporate leftovers in innovative ways.
  5. Meal Prep and Batch Cooking: Cooking in bulk and freezing dinners for later can be a massive money saver, reducing waste and reducing the number of ingredients needed overall.
  6. Limited Meat or Vegetarian: As meat is typically one of the more expensive ingredients, frugal cooking is often vegetarian or uses meat sparingly.

While frugal meals won’t always hit all these factors, if they contain a few of these aspects, you can be assured they will provide a cost-effective dining experience. A frugal meal strives to offer nutritional balance, satisfying taste, and minimal impact on your wallet.

Perfecting the Art of Frugal Cooking

Preparing budget-friendly cooking not only saves money but also reduces food waste and can create a warm, comfortable home. This is how to be frugal with food. Here are some expert tips to get you rolling:

  • Plan Your Meal Calendar: Plan out your menu for the week, keeping in mind what ingredients you already have.
  • Shop Smart: Shop for groceries with a list in hand so you don’t end up buying unnecessary items. Look out for sales, and discounts, and try to shop in bulk.
  • Utilize Leftovers: Don’t throw away leftovers. Repurpose them into a new meal or use them as an ingredient in another dish.
  • Use More Vegetables and Grains: Vegetables and grains are generally cheaper than meat and can be used to bulk out dinners.
  • Freeze Extras: If you cook in bulk, freeze the extra portions for a later date. This can act as a lifesaver during busy periods.
  • Use Cheap Cuts of Meat: Cheap cuts, such as chicken thighs, can be just as delicious as expensive ones, especially when slow-cooked.
  • Cook from Scratch: Convenience foods often cost a lot more than the sum of their parts.
  • Grow Your Own: If you have a garden, consider growing your own vegetables and herbs.
  • Reduce Waste: Get creative in the kitchen and use parts of food that you’d otherwise throw away.

Remember, with a bit of planning and creativity, you can prepare delicious, healthful meals without breaking the bank! It’s all about making smart choices.

Which Filling Cheap Meals are You Going to Try?

Embarking on these frugal meals can help stretch the budget while still enjoying a variety of flavorful and satisfying dishes.

Whether you are budgeting on a low income or just want to stretch your dollar further with going teens, we have given you plenty of options to eat well and healthy.

Many on this list are my personal favorites. This is how we stay on our grocery budget.

The biggest step is learning how to meal plan and stick to the menu! Now, off to move frugal living tips to save money!

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

Did the post resonate with you?

More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

Source: moneybliss.org

Apache is functioning normally

If you too have kicked off the year by watching what’s arguably the most disturbing “eat-the-rich” movie we’ve seen in a long time, director Emerald Fennell’s unsettling Saltburn, you’re bound to have plenty of questions left unanswered.

The movie, starring a cast of talented actors like Barry Keoghan (familiar to moviegoers due to standout performances in The Killing of a Sacred Deer, The Batman, and Dunkirk), Jacob Elrodi (Priscilla, The Kissing Booth), and Rosamund Pike (Gone Girl, I Care A Lot) is chockful of disturbing scenes that are even more unsettling due to the talented actors’ stellar acting.

And while we can’t answer many of the questions fans are left with at the end of this hilariously bizarre and wildly disturbing movie, there’s one aspect that we CAN help clarify: is Saltburn a real house? And if so, where can we find it? To top it off, would Oliver’s efforts be worth it? How much is Saltburn worth?

Jacob Elrodi as Felix Catton in Saltburn. Photo credit: Courtesy of MGM and Amazon Studios

The real Saltburn house & where to find it

Saltburn, the country estate of the Cattons — an aristocratic British family with widespread connections to British high society — stands at the core of Emerald Fennell’s story, taking a life of its own and becoming a central character in the movie (if the title wasn’t a big enough giveaway).

We won’t go into too many details about what happens at Saltburn (or what happens to Saltburn, for that matter), and instead, we’ll focus on the property itself, which is just as grand in real life as its on-screen counterpart.

The Drayton House, a Grade I listed country house in Northamptonshire, England plays the part of Saltburn, the wealthy Catton family’s country estate.

Dating back to the early 13th century, the massive estate has a total of 127 rooms and has been owned by the Stopford Sackville family since the 1770s.

The Saltburn house, played by Northamptonshire’s historic Drayton House. Photo credit: Courtesy of MGM and Amazon Studios

The historic Drayton House

Once described as “Northamptonshire’s most impressive medieval mansion” by German-British art and architectural historian Nikolaus Pevsner, the Drayton House is one of the area’s most famous homes.

Which makes it all the more surprising that its owners asked the Saltburn production crew not to disclose the name of the house when promoting the movie. But the cat was quickly let out of the bag, with all British publications quickly spotting the historic property set roughly one mile southwest of the village of Lowick in Northamptonshire.

Over the years, the sprawling estate — which sits in a park of about 200 acres known as Drayton Park — was home to many influential British families, including the Draytons, the Staffords, the Mordaunts, the Germains, all the way to current owners, the Sackvilles, one of which was the 6th Earl of Dorset.

Oliver (Barry Keoghan) arriving at Saltburn, played by Northamptonshire’s historic Drayton House. Photo credit: Courtesy of MGM and Amazon Studios

Despite that, the Drayton House has never before appeared on-screen, which was a requirement director Emerald Fennell was adamant about when sourcing the main filming location for Saltburn.

“It needed to be something that hadn’t been used before,” Fennell told House & Garden. “That hadn’t been photographed even, let alone put on film. We always wanted the exact sense that it is a real place.”

And the Drayton House checked all the boxes.

Are Oliver’s efforts worthwhile? How much could Saltburn be worth?

Since we don’t want to spoil the movie for those who haven’t yet had a chance to watch it through, we won’t comment on the fate of the Saltburn house.

But we want to provide context as to how much the stately country house would be worth — and whether the lengths Barry Keoghan’s character, Oliver, goes through to inherit the Catton family’s ancestral home are worth it.

Oliver standing on the balcony after the birthday party, while everyone is searching for Felix. Photo credit: Courtesy of MGM and Amazon Studios

So we turned to Reddit, where the movie started a series of heated discussions on the topic, with people commenting on both the Catton family’s ritzy lifestyle and the value of their estate:

I think the house alone would be worth at least £100m if not more. It’s kind of funny to me that places like Drayton House are still referred to as a country home, whereas really from the size and level of grandeur of this one specifically, it almost feels like it should be classed on the same level as a castle or a palace!

As for their lifestyle – I would imagine that at this level we are talking about the kind of wealth that unless you’re born into it, marry into it, or are Bill Gates or Taylor Swift, is completely unattainable. Probably more than most members of the British royal family?”

u/usernamegodmntaken

Very very rich, all generational. They would own massive amounts of land that they can live on forever. Aristocratic wealth dates back 100s of years in the U.K. so I imagine they have hundreds of millions if not more.”

u/TheLizardKing

But there were also quite a few people who didn’t think Oliver’s efforts would be worth it, particularly due to how difficult a sprawling estate like Saltburn would be to maintain:

Controversial opinion: I don’t think Oliver’s obsession with Saltburn makes much sense.

Of course his first obsession was with Felix and once he got rejected he turned his attention to stealing the family fortune and essentially trying to become Felix but as a middle class man myself I don’t understand his obsession with Saltburn. Most people know it’s a pain in the ass to own a stately home most people maintain them out of family tradition, it costs a fortune and to offset this cost you often have to open it to the public for visitation. Most middle class people would accept the money from Richard E Grant and live the rest of their life very comfortably.”

u/TripleDouble_45 source

In my view he wasn’t obsessed with Saltburn, but rather with taking it as revenge. He wanted desperately to join Felix’s set and belong, and when he was rejected, he set out to destroy the family, with Saltburn as the trophy.”

u/Mickleborough

My theory is that the house is a living entity and the house chose Oliver. It pulls him in more and more. The Felix doppelgänger is proof that otherworldly things are at play. Perhaps the house knows its current occupants aren’t deserving. They’re complacent and entitled. Maybe the house wants someone who will work for it. Oliver works. Maybe the house demands sacrifices. Oliver kills.”

u/fishinglife777

More historic British estates that made their way onto our screens

All the ‘Bridgerton’ houses and where to find them in real life

Hampsie, Lady Phoebe’s country house in ‘You’ & where to find it in real life

The Downton Abbey House is Real – And You Can Go Tour the Castle

Source: fancypantshomes.com

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Renting in Atlanta? Discover the 11 most affordable Atlanta suburbs to rent in 2024.

Atlanta, the vibrant capital of Georgia, boasts a rich blend of Southern charm, cultural diversity and popular sports teams. As more people move to the city, you might wonder, how much does rent cost in Atlanta? For example, the average monthly rent is $1,662 for a studio, $1,912 for a one-bedroom unit and $2,487 for a two-bedroom unit. Fortunately, you’ll find some affordable Atlanta suburbs to keep costs reasonable in The A.

If you’re an Atlantan searching for a more affordable place to call home while still experiencing the city’s unique culture and opportunities, you’re in the right place. We’ll show you 11 of the most affordable Atlanta suburbs to consider signing your next lease in. These suburbs offer a cost-effective way to enjoy the best of Atlanta, from its Southern hospitality to its culinary delights and famous attractions.

#1: Jonesboro

Average rent for a studio: $850

Average rent for a one-bedroom: $1,079

Average rent for a two-bedroom: $1,221

Distance from Atlanta: 17 miles

Apartments for rent in Jonesboro

The first spot on our list of affordable Atlanta suburbs is Jonesboro. This area is located about 17 miles south of Atlanta, so you’re not too far from the city center. The average rent for a one-bedroom in Jonesboro is about $850 less than in Atlanta, making this area a great option to consider renting in.

Jonesboro is a small town with lots of history. You can explore the Road to Tara Museum, dedicated to the life and legacy of Margaret Mitchell, the author of “Gone with the Wind.” Additionally, Jonesboro is home to Stately Oaks, a historical museum. The city also hosts various community events and festivals throughout the year.

#2: Conyers

Average rent for a one-bedroom: $1,175

Average rent for a two-bedroom: $1,338

Distance from Atlanta: 25 miles

Apartments for rent in Conyers

Conyers is 25 miles southeast of Atlanta and is the second suburb on our list. The area is home to about 17,500 residents, and the average rents are much less than in Atlanta. If you plan to rent a two-bedroom unit, the monthly cost is approximately $1,338. On the other hand, a two-bedroom unit is about $2,487 in Atlanta.

In Conyers, you can explore the picturesque Georgia International Horse Park, a venue for equestrian events during the 1996 Summer Olympics. It’s a fantastic destination for horse enthusiasts and outdoor activities. Olde Town Conyers Historic District has plenty of charming shops, local restaurants and well-preserved architecture.

#3: Stone Mountain

Average rent for a studio: $1,168

Average rent for a one-bedroom: $1,300

Average rent for a two-bedroom: $1,405

Distance from Atlanta: 15 miles

Apartments for rent in Stone Mountain

For those on the hunt for budget-friendly suburban living near Atlanta, Stone Mountain takes third place. The average rent for a one-bedroom unit is $1,300, compared to Atlanta’s $1,912 rent, which is a considerable savings. The small town of Stone Mountain has a lot to offer its residents.

You can experience the natural beauty of Stone Mountain Park, with hiking trails, a scenic gondola ride and the iconic carving on the mountain’s face. The city also hosts laser shows at the park, a must-see for anyone living in the area.

#4: Norcross

Average rent for a studio: $1,376

Average rent for a one-bedroom: $1,322

Average rent for a two-bedroom: $1,667

Distance from Atlanta: 25 miles

Apartments for rent in Norcross

Norcross, though a little farther from Atlanta, about 25 miles to the northeast, offers an affordable option for renters. With the average rent for a one-bedroom costing about $600 less than in Atlanta, Norcross may be the suburb for you. You can explore the charming downtown area, known for its historic buildings, unique shops and a vibrant arts scene.

#5: Roswell

Average rent for a studio: $1,210

Average rent for a one-bedroom: $1,360

Average rent for a two-bedroom: $1,770

Distance from Atlanta: 25 miles

Apartments for rent in Roswell

About 25 miles north of Atlanta, you’ll find the suburb of Roswell, another great area to add to your list. Roswell has about 92,500 residents – a great alternative to Atlanta’s bustling atmosphere.

In Roswell, you can visit the historic Roswell Mill, where you can explore the ruins, take a stroll along the scenic Vickery Creek Trail, and learn about the area’s rich history. The city is also known for its art galleries and public art installations, providing an opportunity to appreciate the local arts scene.

#6: Marietta

Average rent for a studio: $1,030

Average rent for a one-bedroom: $1,547

Average rent for a two-bedroom: $1,762

Distance from Atlanta: 20 miles

Apartments for rent in Marietta

Securing the sixth spot on our list, Marietta is a familiar Atlanta suburb. This community has close to 61,500 residents, making it feel more like a small town. You can immerse yourself in Georgia’s history by visiting the Marietta Cobb Museum of Art, the Marietta History Museum, and the Marietta Gone with the Wind Museum, dedicated to the iconic novel and film. The city also hosts the Glover Park Concert Series, featuring live music and entertainment during the summer months.

#7: Smyrna

Average rent for a studio: $1,770

Average rent for a one-bedroom: $1,584

Average rent for a two-bedroom: $1,984

Distance from from Atlanta: 15 miles

Apartments for rent in Smyrna

Next on our list of renter-friendly and affordable Atlanta suburbs is Smyrna. It’s only about 15 miles northwest of the city center, making it a great option for renters planning to commute.

Smyrna is home to the picturesque Silver Comet Trail, perfect for walking, jogging or cycling along a scenic route. The city also features Jonquil Park, a serene green space with playgrounds and walking trails. Or you can head to Truist Park to watch an Atlanta Braves game.

#8: Dunwoody

Average rent for a studio: $1,749

Average rent for a one-bedroom: $1,611

Average rent for a two-bedroom: $2,127

Distance from Atlanta: 17 miles

Apartments for rent in Dunwoody

If you’re an Atlanta local, you’re probably familiar with Dunwoody, one of our favorite picks among affordable Atlanta suburbs. One-bedroom units in Dunwoody typically rent for an average of $1,611, while two-bedroom units cost around $2,127.

In Dunwoody, you can explore Brook Run Park, known for its beautiful green spaces, walking trails and dog park, making it a great spot for outdoor activities and picnics. The city also hosts the Dunwoody Art Festival, an annual event showcasing a variety of artworks, live music, and local culture.

#9: Kennesaw

Average rent for a studio: $1,650

Average rent for a one-bedroom: $1,635

Average rent for a two-bedroom: $1,964

Distance from Atlanta: 30 miles

Apartments for rent in Kennesaw

Moving to Kennesaw provides a more laid-back lifestyle for renters looking to escape Atlanta’s bustling atmosphere. If you’re considering moving to this affordable Atlanta suburb, Kennesaw has plenty to do.

You can visit the Southern Museum of Civil War and Locomotive History to explore the history of the Civil War and view historic locomotives. The city also features Swift-Cantrell Park, offering playgrounds, sports fields and ample space for outdoor activities.

#10: Decatur

Average rent for a studio: $940

Average rent for a one-bedroom: $1,704

Average rent for a two-bedroom: $1,475

Distance from Atlanta: 7 miles

Apartments for rent in Decatur

Decatur secures the 10th position on our list of affordable Atlanta suburbs to consider for renting an apartment this year. This suburb has a population of 24,600 and is roughly 7 miles east of Atlanta.

In Decatur, you can discover the charming downtown area, known for its local boutiques, diverse dining options, and vibrant arts scene. You can also spend the day outside at Glenlake Park. There’s always something to check out while living in this charming town.

#11. Sandy Springs

Average rent for a studio: $1,483

Average rent for a one-bedroom: $1,717

Average rent for a two-bedroom: $2,101

Distance from Atlanta: 15 miles

Apartments for rent in Sandy Springs

Sandy Springs is the 11th and final affordable Atlanta suburb to make our list. You’ll find Sandy Springs situated about 15 miles north of Atlanta. Commute times can vary depending on traffic, but you’ll still save on rent costs. Sandy Springs has plenty of outdoorsy activities, such as exploring the scenic Chattahoochee River National Recreation Area, with its beautiful riverside trails and spots for picnicking and birdwatching.

The city also features the Heritage Sandy Springs Museum, where you can learn about the local history and culture. If you’re looking to leap from renter to buyer, make sure to also check out the most affordable Atlanta suburbs to buy a home.

Methodology

Affordability is based on whether a suburb’s one and two-bedroom rent was less than Atlanta and under 30 miles from downtown Atlanta. Average rental data from Atlanta rental market trends on October 26, 2023. Population data sourced from the United States Census Bureau.

Source: rent.com

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The first workday in January after the holidays hits a little bit differently: The parties are over, debt payments are soon due and it can feel like there’s nothing to look forward to.

You may be able to minimize the doldrums with some planning and other steps to turn things around, financial experts say.

“Financial stress can be temporary,” says Tonya Rapley, financial educator and founder of the millennial money and lifestyle blog My Fab Finance. She suggests focusing on small steps such as paying this month’s bills, then reminding yourself that you can recover from December’s overspending.

Here are a few more ways to fight this month’s financial downers:

Make or update a budget

The new year is a great time to create or update a budget, which can give you back a sense of control, says Mike Croxson, CEO of the National Foundation for Credit Counseling, a nonprofit financial coaching organization.

The popular 50/30/20 budget, for example, suggests putting 50% of your take-home income toward needs, 30% toward wants and 20% toward savings and debt paydown. You can adjust those percentages as needed, especially if you live in an urban area with high housing costs.

“The best way to get control back is to make a plan,” Croxson says. “You can get back on top of this and back to where you feel good about your finances.”

Pay off debt

With interest rates higher than they were a couple of years ago, credit card debt is also more expensive, which makes paying it off a financial priority. How exactly you do that is up to you, Croxson says.

“Paying off the highest interest rate balance first makes the most common sense, but for some people, paying off the smallest dollar amount first is most important because they feel like they accomplished something,” Croxson says. Small wins can give you momentum to continue.

Online calculators for those two methods, known as the avalanche and the snowball, respectively, can help you stay on track.

Track your payments carefully

If you purchased holiday gifts using “buy now, pay later,” which allows shoppers to split payments into multiple installments, then it’s important to note when those bills are due, says Christine Alemany, chief marketing officer for i2c, a global banking and payments platform.

Alemany suggests tracking your buy now, pay later due dates with a financial management tool or spreadsheet to avoid late fees or interest charges. “The variety of payment methods that consumers now have gives them the option to choose what’s best for them,” she says, but “that convenience needs to be balanced by discipline.”

Build up savings

Amid all of that repayment, it’s also important to find a way to save money, Croxson says. “Having a savings line item in your budget is a critical step for virtually every consumer, even if it’s $20 or $25 a month,” he says. “There will be an emergency, and you will need it.” Being able to turn to savings in the future also helps you avoid building up debt again, he adds.

The good news for Americans is that positive signs in the economy, such as a slower rate of inflation and lower gas prices, means it’s a little easier to find room for savings, according to Alan Gin, associate professor of economics at the University of San Diego’s Knauss School of Business.

With gas prices coming down, Gin says, “not only will consumers be more confident, but they will have more money.”

Know your rights

If an expensive item you bought or received as a gift in December breaks in January, that’s another potential downer, which is why knowing your refund rights is critical, says Wayne Hassay, partner attorney for LegalShield, a legal services provider. He suggests keeping track of all paperwork related to the item and any warranty attached whenever you make a big-ticket purchase.

In some cases, paying with a credit card can give you additional protections, he adds. And if your pricey new electronics break, don’t hesitate to follow up with the retailer or brand until you get a satisfactory response, which could be a refund or a new product.

Get help if you need it

Working to pay off debt and get back on budget in January can feel lonely because it’s such a solo activity, which is why it’s helpful to reach out for additional support, whether that’s from financial professionals or friends and family.

“Be honest with people,” Rapley says. She suggests sharing in a friend group chat if you are looking to scale back and spend less, because you’ll likely find encouragement that can help you stay on track. “That communication is definitely important,” she says, and can help you feel less alone — and with more good things to anticipate in the year ahead.

This article was written by NerdWallet and was originally published by The Associated Press. 

Source: nerdwallet.com

Apache is functioning normally

Homebuyers looking to escape the hustle and bustle of city life may long for a quieter life in the country. But anytime you’re considering making a major lifestyle change, finances can become an issue.

If this sounds like you, you may be able to qualify for a USDA loan. This government-sponsored loan program focuses on houses located in designated rural and suburban areas.

What is a USDA home loan?

A USDA home loan is a type of mortgage for eligible rural and suburban homebuyers. It’s offered by the United States Department of Agriculture. USDA loans are issued through the USDA Rural Development Guaranteed Housing Loan Program.

One of the biggest draws of the Rural Development program is that it doesn’t require any down payment. So, you can purchase your own home with a minimal amount of cash.

If you think this sounds like a good opportunity, you may be right. Keep reading to find out the benefits of applying for a USDA loan.

What are the different types of USDA loans?

The USDA offers three main mortgage programs for people who want to buy or repair a single-family home in a rural area:

  • USDA Direct Loans: Also known as Section 502 direct loans, these loans are issued to qualifying low-income borrowers with interest rates as low as 1% with certain subsidies and no down payment is typically required.
  • USDA Guaranteed Loans: Also known as the Section 502 Guaranteed Loan Program, these loans are issued by USDA-approved lenders and offer 100% financing, low interest rates, and minimal down payments to eligible buyers.
  • USDA Home Improvement Loans: Also known as the Section 504 Home Repair program, these loans are given to qualified homeowners to repair, improve, or modernize their homes. They’re also given to low-income elderly homeowners to remove health and safety hazards. The home improvement loan is up to $$40,000 and grants are also available up to $10,000. Additionally, loans and grants can now be combined for up to $50,000 in assistance.
  • USDA Streamline Refinance: Those with an existing USDA loan may be able to take advantage of lower rates with a USDA refinance loan. For those who qualify, the USDA streamline refinance is an attractive option as it does not require a home appraisal or income documentation. However, to be eligible, you must already have a USDA loan.

How much can I borrow with a USDA loan?

The majority of loans offered by the U.S. Department of Agriculture (USDA) do not feature loan limits. Direct Loans are the only type of USDA loans with specific limits, but they are a small portion of all USDA loans. Therefore, it is unlikely that you will find any limits on your USDA loan.

For the USDA Direct Loan program in 2024, the loan limit is 766,550 in most parts of the country. However, in more expensive high-cost areas, the loan limits are higher.

4 Benefits of a USDA Loan

Listed below are the four biggest advantages of taking out a USDA loan.

1. No down payment

For many people, the thought of scraping together a down payment is the most significant barrier to buying a home. But with a USDA loan, there’s no down payment required. In comparison, you’ll need a 3.5% down payment for FHA loans and a minimum 5% down payment for conventional loans.

2. Low private mortgage insurance (PMI)

Anyone who buys a home with no down payment must purchase private mortgage insurance (PMI). The costs vary, but PMI generally costs between 0.5% to 1.0% of the total loan amount.

With the USDA mortgage program, you still have to purchase PMI, but the rates are lower than they are with a conventional loan.

3. Low credit requirements

USDA loans also come with more flexible credit requirements than what other lenders look for. If your credit score is at least 640, your application should be approved pretty quickly. And the program is available for borrowers that are short on credit history.

4. Finance your closing costs

When you buy a home, the lender charges closing costs for issuing the loan. The closing costs usually fall between 2% and 5% of the total loan amount. So if you buy a $200,000 home, you can expect to pay at least $4,000 in closing costs.

When you take out a USDA loan, you can roll your closing costs into the loan financing. This means you can finance your closing costs instead of paying them out of pocket.

How do you qualify for a USDA loan?

Taking out a USDA loan doesn’t mean you have to move to the middle of nowhere. There are a wide variety of properties eligible for purchase through the USDA loan program.

While you won’t find any homes located in a major metropolitan area, you may be able to find some in certain suburban areas. But, of course, the most extensive selection is available in rural areas since the purpose of the program is to strengthen these communities.

To find out if a home you’re interested in qualifies, simply input the address into the USDA website. The USDA does have strict requirements the home must meet to be eligible for the program, which we’ll discuss in more detail below.

See also: First-Time Home Buyer Grants and Programs

USDA Loan Requirements

If you can’t qualify for a conventional loan, you may be eligible for either a USDA guaranteed loan or a USDA direct loan. Here is an overview of the borrower requirements for USDA home loan programs:

  • You must be a U.S. citizen, non-citizen national, or qualified alien.
  • The home must be located in an eligible location.
  • You must be purchasing the home as your primary residence.
  • The loan must be taken out through a USDA-approved lender.
  • You must be able to meet the minimum credit requirements.

Income limits

USDA loan programs are designed to help low to middle-income families, so borrowers must meet certain income limitations. To qualify, your household income cannot exceed 115% of the median income in your area.

The income requirements for USDA loans are determined by county, so you can check the USDA’s website to determine the requirements in your area. You can also work with a USDA-approved lender to determine your eligibility.

Property Eligibility

The U.S. Department of Agriculture also puts certain restrictions on the type of property you can buy with a USDA loan. Here are the types of properties that are eligible for a USDA mortgage loan:

  • Single-family homes
  • New construction homes
  • Townhomes and approved condos
  • Planned Unit Developments
  • Approved modular homes

What credit score do you need for a USDA loan?

If you’re applying for a guaranteed USDA loan, there are a few basic credit requirements you’ll need to meet. The USDA doesn’t set a minimum credit score requirement, but your application will get processed much faster if your credit score is at least 640.

A credit score below 640 doesn’t automatically rule you out, but your application will go through stricter underwriting guidelines. This is to ensure you can handle the monthly payments.

And you’re less likely to be approved if you have any collections on your credit report in the past 12 months. However, you may be granted an exception if you can prove that your credit was damaged because of a medical issue or something outside your control.

And finally, a USDA loan may be a viable option for you if you’re still in the process of building your credit scores. Your application may be approved even if you have a limited credit history if you can supply other credit references, like utility payments or rent payments.

USDA Income Limits

Income limits are set on all USDA loans to ensure the USDA loan program benefits low to middle-income families. These income restrictions are determined by various factors, including the median income for your local city or county. You can check your income eligibility to find out if you qualify.

The size of your family also helps determine your eligibility. If you have a large family, then it’s expected you’ll need a more substantial income to live on, and you’ll receive more leeway.

There are also different tiers of eligibility, depending on the type of USDA loan you’re taking out. For example, USDA guaranteed loans call for a moderate income, whereas USDA direct loans require applicants to fall in the low-income category.

Stable Income

Finally, you must have a stable monthly income to be eligible for a USDA loan. Usually, you need to show a history of stable employment for at least 24 months.

If you have questions about your eligibility, you can contact a mortgage lender that specializes in USDA loans. Just be sure to ask so you don’t waste your time working with a lender who doesn’t understand the nuances of USDA loans.

Real estate agents that work in a rural area may also be able to point you in the right direction, since they’re likely to have more experience with clients utilizing these programs.

Are there any other eligibility requirements?

This article is mainly focused on the USDA’s requirements, but keep in mind, the USDA isn’t lending you any money. Each lender can apply its own requirements as long as they meet the USDA’s basic guidelines. Your lender will want a complete financial picture, as well as your credit history and current employment status.

And one of the guidelines surrounds PITI, which stands for principal, interest, taxes, and insurance. Each of these things are combined to form your total monthly mortgage payment.

This amount can’t be more than 29% of your pre-tax monthly income. So if you make $3,000 per month, your total monthly payment would have to be less than $900.

Debt-to-Income Ratio

Another common requirement is known as your debt-to-income ratio. This is when the lender looks at compares your income to your total monthly debt payments. Ideally, your debt-to-income ratio shouldn’t be higher than 41%.

So if your income is $3,000 per month, your total monthly debt payments should be less than $1,230. And remember, your mortgage will be included in the total debt payments. But you may qualify for a higher debt ratio if your credit score is higher than 680.

Bottom Line

With a USDA mortgage, you can purchase your dream home without having to save up for a down payment. However, not everyone will qualify for this program.

If you’re interested in taking out a USDA loan, you should start by finding out if you meet the income restrictions in your county. And you might consider working with an experienced USDA lender to find out if you’re a suitable candidate for the program.

USDA Loan FAQs

How does a USDA loan work?

USDA loans provide low-interest home mortgages to qualified borrowers. These loans are issued by the United States Department of Agriculture, and are designed to help eligible borrowers purchase homes in rural areas and some suburban areas.

To qualify for a USDA loan, borrowers must typically meet certain income and credit requirements, as well as have a debt-to-income ratio that is lower than the national average. Once approved, the loan is typically issued in the form of a 30-year fixed-rate mortgage, with the interest rate set by the USDA. Borrowers can then use the funds to purchase a home and make mortgage payments over time.

What’s the difference between FHA, VA, and USDA Loans?

FHA loans are mortgage loans insured by the Federal Housing Administration that are available to homebuyers with less-than-perfect credit and relatively low down payments.

VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs that are available to qualifying veterans and military members with competitive terms and no down payment.

USDA loans are mortgage loans offered by the U.S. Department of Agriculture that are available to low-income borrowers in rural areas.

All three loan types require mortgage insurance, but the payment requirements vary.

What is the interest rate on USDA loans?

The interest rate on a USDA loan varies depending on the type of loan, the lender, the borrower’s credit score and other factors. Generally, USDA loan interest rates range from 1.00% to 4.00%.

The current interest rate for Single Family Housing Direct home loans is 3.75%. This fixed rate is based on current market rates at loan approval or loan closing, whichever is lower.

If payment assistance is applied, the interest rate can be as low as 1%. The payback period can be up to 33 years, or 38 years for very low-income applicants who can’t afford the 33-year loan term.

What are the fees associated with a USDA loan?

The upfront guarantee fee is 1% of the amount of the loan, and this fee must be paid at closing. This fee is non-refundable and is not included in the loan amount.

In addition to the upfront fee, there is an annual fee, which ranges from 0.35% to 0.50%. This fee is calculated as a percentage of the loan amount and is generally due each year.

USDA home loans also have other typical closing costs associated with them, such as appraisal fees, title fees, and recording fees.

Source: crediful.com

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If you’re looking to buy a condo or townhome, understanding the distinctions may help you home in on the choice that better suits your lifestyle and needs. Read on to learn the major differences between these two kinds of property.

What Is a Condo?

A condominium is a private property within a larger property, whether that be a single building or a complex. Residents share amenities like clubhouses, gyms, pools, parking, and the common grounds, and pay homeowners association (HOA) dues to support those shared assets. If you buy a condo, you’ll own your interior space only.

What Is a Townhouse?

A townhouse is a single-family unit that shares one or more walls with another home, usually has two or more floors, and may have a small backyard or patio. If you buy a townhouse, you’ll own the interior and exterior of the unit and the land on which it sits. Upkeep of the exterior could be split between you and the homeowners association (HOA).
💡 Quick Tip: When house hunting, don’t forget to lock in your home mortgage loan rate so there are no surprises if your offer is accepted.

Condo vs Townhouse: Differences

Both are part of a larger structure, unlike some other house types, and both usually share one or more walls, but some similarities end there. Here are the key differences.

1. Construction

In the condo vs. townhouse debate, construction differs. A townhouse will share at least one wall with a property next door. A condo could have another unit below and above it, in addition to neighbors on either side. That could mean sharing all surrounding walls and floors/ceilings.

2. Actual Ownership

If you’re considering townhouse vs. condo, what would you actually own? With townhomes, the buyer owns the land and the structure. That could mean some creativity with decorating the lot or the home’s exterior. With condos, the buyer owns the interior of the unit and an “interest” (along with all of the other owners) in the common elements of the condominium project.

3. Community

With both condos and townhouses, residents will have fairly close contact with their neighbors. With shared walls and spaces, residents may have more social relationships with their community than they would with a single-family home. That means it’s important for buyers to research the community when condo shopping. Is the condo social? Does it plan a lot of events, or do people generally keep to themselves? Since there are many shared spaces, understanding how the community functions could directly affect living there.

If a townhome isn’t part of an HOA, living in the complex could feel similar to living in a single-family home. In that case, it could be up to the buyer to create a sense of community.

4. Homeowners Associations

Condos come with an HOA, a resident-led board that collects ongoing fees that can range from $200 to thousands of dollars, and mandates any special assessments. The HOA also enforces its covenants, conditions, and restrictions (CC&Rs).

Not all townhouse communities have an HOA, but if they do, townhouse owners usually pay lower monthly fees than condo owners because they pay for much of their own upkeep.

5. Obligations and Regulations

What’s the difference between a townhouse and a condo when it comes to rules and regulations? Condo owners will be required to meet all HOA standards. That could dictate anything from what residents want to hang on their front door to whether they can have pets, how many, and whether Biff needs to be registered as a service animal or emotional support animal. If an owner wants to renovate their condo, they may have to get the work approved by the HOA.

If a townhome is part of an HOA, many of the above restrictions could apply. However, if it’s not an HOA community, townhouse owners have more freedom to decorate the exterior of their home or maintain their landscape as they see fit.

6. Insurance

Condos have their own form of property insurance. HO-6 provides coverage for the interior of a condo and the owner’s personal belongings. In addition, the entire building needs to be insured, which is paid for with HOA dues.

If a townhouse is part of an HOA community, each property requires HO-6 insurance and coverage for the community through HOA dues. When a townhouse isn’t part of an HOA, buyers are typically required to have homeowners insurance.

7. Fees and Expenses

HOA fees for condos are usually higher than for townhouses because they cover exterior maintenance and shared amenities. If townhouse owners are part of an HOA, they’ll usually pay lower monthly fees because they pay for much of their own upkeep.

Condo owners don’t have to worry about repairing the roof or replacing siding. Everything exterior-facing is managed collectively and paid for with HOA dues, but those fees may be high and are periodically reevaluated, and so may rise over time.

8. Financing

It can be harder to obtain financing for a condo than for a townhouse. Condos may be eligible for conventional mortgage loans and government-insured loans. (Study the mortgage basics to learn more about the difference between these types.) Lenders of conventional loans will review the financial health of an HOA, whether most of the units are owner-occupied, and ownership distribution. Interested in an FHA loan or a VA loan? Both agencies maintain respective lists of approved condos.

In the case of a townhouse, the financing process is similar to that of a traditional mortgage because a townhouse includes the land it’s built on. Its value is factored into the process.

9. Resale Value

A large factor in a condo holding value is the management, which isn’t always in the hands of the owner. Strong management can help a condo maintain or grow in value. Additionally, where the condo is located will influence resale value. Condos generally hold value but don’t see the boost in resale expected with single-family homes. Similarly, buying a townhouse may not usher in the appreciation of most single-family homes.
💡 Quick Tip: Your parents or grandparents probably got mortgages for 30 years. But these days, you can get them for 20, 15, or 10 years — and pay less interest over the life of the loan.

Condo vs Townhouse: Which May Be Right for You?

Condos and townhomes have their fair share of differences, as well as some similarities. Overall, condos can offer a low-maintenance property where owners simply look after their condo interior. With condo ownership comes the added perk of shared amenities. But condos come with monthly HOA fees, which must be factored into any purchase. Additionally, the community association and its management of the property will likely have a large impact on what life is like in a particular condo complex. Condo buyers may be more community-minded, as they share space with their neighbors. (If a condo feels like the right choice, read a guide to buying a condo as you embark on your search.)

Townhouses offer more freedom and privacy than condos. Owners may have the option of personalizing their exterior and enjoying outdoor space if the property has a patio or backyard. Townhomes generally require more responsibility and upkeep than a condo, even if there’s an HOA involved. Exterior maintenance will be required. If this sounds like a good fit, dig deeper by reading a guide to buying a townhouse.

Of course, you may be better suited to a different living situation altogether. House or condo? Take a quiz to learn which of these options might be best for you.

The Takeaway

When it comes to finding a home, the perfect fit is up to the individual, but buyers may want to take a hard look at monthly fees, community rules, how social they intend to be, and precisely what they own and must maintain.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

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FAQ

Between condos and townhouses, which is cheaper to buy?

The cost of a condo and townhome will vary based on location and size, but condos are often less expensive than townhouses because they come with no land.

Do you own the land around a condo if you buy it?

No. The purchase of a condo only includes the interior.

Is the resale value higher for a condo or townhouse?

In general, condos and townhomes don’t appreciate as quickly as single-family homes. The value will vary based on area, upkeep, and other conditions.

Between condos and townhouses, which has better financing options?

Financing a townhome is like financing a single-family home. A buyer can choose from multiple types of mortgages.

Financing a condo, on the other hand, involves a lender review of the community or inclusion on a list of approved condominium communities. Because a private lender could see a condo as a riskier purchase, the interest rate could be higher unless a large down payment was made.

Photo credit: iStock/Inhabitant

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Source: sofi.com