Live

Apache is functioning normally

Looking for ways to earn Amazon gift cards by playing games? Playing games on your phone or computer can be a great way to get Amazon gift cards. Many game apps and websites pay real money for trying out new games or reaching certain levels. I’ve been able to make real money just by playing…

Looking for ways to earn Amazon gift cards by playing games?

Playing games on your phone or computer can be a great way to get Amazon gift cards. Many game apps and websites pay real money for trying out new games or reaching certain levels.

I’ve been able to make real money just by playing games on my phone during my downtime. In fact, I’ve made $302 in a single week from one game that I put toward free Amazon gift cards!

You can earn free gift cards by playing puzzle games, word games, strategy games, and more. The amount you can earn varies, but some people make enough for small treats or even bigger purchases on Amazon. It’s an easy way to get rewarded for something you might already enjoy doing in your free time.

Best Ways To Earn Amazon Gift Cards by Playing Games

Here’s a quick list of the best apps to earn gift cards playing games:

  1. Freecash
  2. Swagbucks
  3. KashKick
  4. InboxDollars

Below are the best ways to earn Amazon gift cards by playing games.

Proof that I’ve made money playing games on Freecash. The $0.05 amounts were rewards for playing 2 minutes each day. The larger amounts like $40, $70, and $150 were for reaching certain levels. I turned my points in all for free Amazon gift cards!

1. Freecash

Freecash is a fun way to make money by playing games on your phone, and I think it’s one of the best game apps to win Amazon gift cards. You can earn real cash or gift cards just by trying out different games and completing tasks.

I personally know that Freecash is real because I have earned a little over $720 from this site and received $720 in free Amazon gift cards. And, I have personally earned $302 from playing one game on my phone on Freecash. You can read more about my experience at How I Made $302.80 Playing Games on My Phone (In One Week).

When you sign up for Freecash, you’ll see a list of games to choose from. Each game has its own reward amount. Some games might offer more money than others, so it’s good to check what’s available.

Since I’ve already played one game on Freecash, I have a ton of options available to me (once you play a game, more open up) – 558 games show for me right now. Monopoly, Solitaire Grand Harvest, Wheel of Fortune, Dice Dreams, Puzzles, Match Tile, and more.

You don’t need to spend any money to start playing and earning. Many games give you free daily credits, which is usually enough to reach the rewards. Some games might ask if you want to buy things, but you don’t have to.

The time it takes to earn money can vary. You might spend a few hours a day for about a week to earn a good amount. As you play more, you’ll get better at the games and might earn faster.

Remember, the games you see might change based on your device (Android vs. iOS vs. desktop) and where you live. You’ll usually start with a few games, and more will show up as you keep playing.

Click here to sign up for Freecash.

I’ve received over 100 gift cards from Swagbucks, as you can see in this screenshot.

2. Swagbucks

Swagbucks is a fun way to earn Amazon gift cards by playing games. You can also make money doing other things like taking surveys and watching videos.

When you play games on Swagbucks, you earn points called SB. These points can be traded for gift cards or cash (such as to Amazon, Best Buy, Visa, and PayPal cash). You need 100 SB to get $1.

To play games on Swagbucks, you simply head to the “Play” tab when you are logged in. When I logged in, I had over 50 available games that I could get paid to play. Some of the games available include Monopoly Go!, Animals & Coins, Solitaire Smash, Bingo Blitz, and so many more.

I have earned over 110 free gift cards (I mainly turn my points into Amazon gift cards) over the years.

If you join Swagbucks through my referral link, you can receive a $10 bonus.

3. KashKick

KashKick is a fun way to get Amazon gift cards by playing games on your phone. It’s not just games though – you can also make money by watching videos and answering surveys.

There are many different games you can play on KashKick such as:

  • Coin Master
  • Yahtzee
  • Family Island
  • Bingo Blitz
  • Solitaire Smash
  • Monopoly GO
  • Scrabble Go

For example, here’s how you can make money on KashKick playing Monopoly: Let’s say you want to play Monopoly GO. You install the game and play for a few days. If you reach certain levels within set time limits, you get paid. You could earn $30, then $40, and another $50 – adding up to $120 total!

Please click here to sign up for KashKick for free.

4. InboxDollars

InboxDollars is a fun way to earn Amazon gift cards by playing games. It’s been around since 2000 and they have given out lots of rewards to its users.

When I log in, I see around 40 games available for me to play. Some of the games include Puzzles & Chaos, Toy Blast, Coin Master, Block Blast, Solitaire Clash, Wood Blocks, SpongeBob Adventures, Word Farm, and more.

InboxDollars is easy to use and you can just go to the “Games” tab to start playing and earning. Then, you can turn your rewards into free gift cards such as to Amazon, PayPal, Apple, and more.

Playing games isn’t the only way to earn on InboxDollars. You can also make money by taking online surveys, shopping online, and reading emails. This gives you more chances to earn rewards.

Sign up for InboxDollars here and get a free $5 bonus.

5. Fetch Rewards

Fetch Rewards is mainly a grocery receipt scanning app (which is another super easy way to earn free Amazon gift cards), but it also has a section of their app dedicated to playing games.

Some of the games you can play include Balloon Master, Goods Sorting, and Car Parking.

You can sign up for Fetch Rewards here. 

6. PrizeRebel

PrizeRebel is an easy platform where you can earn Amazon gift cards. It’s been around since 2007 and has given out over $30 million in rewards to its members.

You can earn free Amazon gift cards by playing games and answering surveys on PrizeRebel.

You can sign up for PrizeRebel here.

7. Mistplay

Mistplay is a popular app that lets you earn free Amazon gift cards by playing games on your phone. It’s free to download and use, making it easy to get started.

When you join Mistplay, you can explore new games or play old favorites. Some games you might find include Words with Friends, Solitaire, and Merge Dragons.

8. Rewarded Play

Rewarded Play is a very popular app with over 10,000,000 downloads where you can earn gift cards by playing games on your phone. There are over 214,000 reviews with an average rating of 4.4 out of 5 stars, so I think it’s quite popular!

You can pick from lots of popular games to play. The more you play, the more points you get. These points can be swapped for gift cards from places like Amazon and Walmart.

Many people like Rewarded Play because it pays out fast. You can get your gift card within 48 hours of cashing out your points.

The app has given out over $15 million since 2016.

9. Cashyy

This is another really popular game app to win Amazon gift cards, with over 10,000,000 downloads.

The app is easy to use. You just pick games you like and start playing. As you play, you complete missions and earn coins.

You can trade these coins for gift cards and Amazon gift cards are one of the options you can choose.

10. Money Well

Money Well is a fun app that you can find on the Google Play Store that lets you earn gift cards by playing games. It’s easy to use and works on Android phones. Plus, Money Well has lots of different games to choose from, so this keeps things interesting so you don’t get bored.

One downside is that Money Well is only for Android users right now. IPhone users can’t use it yet.

11. AppStation

AppStation is a free app that lets you earn rewards by playing games on your phone. You can get Amazon gift cards and other prizes.

The app is easy to use. You pick games from their list and start playing, earning coins. These coins can be traded for gift cards.

12. Blackout Bingo

Blackout Bingo is a fun app that lets you play bingo and possibly win real money. You can play against other people from around the world.

In Blackout Bingo, you can bet money on each game, so this does mean that there are ways to spend money on in-app purchases. I do recommend being careful so that you don’t spend money that you can’t afford. The bets can be as low as $0.60 or as high as $260. If you win, you could get a cash prize.

Remember, while it’s possible to win money, there’s no guarantee. Only play with money you can afford to lose. Please, please, please always game responsibly.

13. Bubble Cash

Bubble Cash is a fun game that lets you earn Amazon gift cards while popping colorful bubbles. You can play this game on your phone or tablet whenever you have free time.

The game is easy to learn. You match bubbles of the same color to make them pop. As you pop more bubbles, you earn points and move up levels.

You can cash out your winnings for Amazon gift cards once you reach the minimum amount. The more you play and win, the more gift cards you can earn.

Remember to set a budget (because this is a game where you have to pay to play at times) and play responsibly. Bubble Cash can be a fun way to earn some extra Amazon gift cards, but it won’t replace your regular income.

14. MyPoints

MyPoints is a site where you can earn gift cards by playing games online. You can play games and get points for installing apps, reaching certain levels, and beating the games.

When you have enough points, you can trade them for Amazon gift cards. MyPoints also offers gift cards from over 75 other stores and restaurants.

Sign up for MyPoints by clicking here.

Frequently Asked Questions

Below are answers to common questions about how to earn Amazon gift cards by playing games.

Can I really earn gift cards by playing games?

Yes, you can earn Amazon gift cards by playing games. Many apps will give you free gift cards as a reward for playing. You just need to download the app, play games, and earn points. Then trade those points for gift cards.

What are the top apps that let you earn Amazon gift cards by playing games?

Some top apps for earning Amazon gift cards include Freecash, Swagbucks, and KashKick. These apps let you play games and complete tasks to earn points, and you can then trade your points for gift cards.

How can someone get a $100 Amazon gift card for free by playing games?

Getting a $100 Amazon gift card takes time and effort. You may need to use several apps and play lots of games. But, I have personally played a game on Freecash and made $302 in just one week of playing, so I know it’s possible.

Is there any game that pays real money without a deposit for free?

Yes, there are games that pay real money without needing a deposit. I played many games on Freecash and never had to pay anything in order to earn my free Amazon gift cards.

Can you actually receive Amazon gift cards by gaming on your PC?

Yes, you can earn Amazon gift cards by gaming on your PC. Some sites like Swagbucks have games you can play on your computer. They give you points for playing, which you can trade for gift cards. When I played my game on Freecash (where I earned $302 in free Amazon gift cards), I was able to choose if I wanted to play it on my desktop or on my cell phone).

What do I need to know about making money and earning gift cards through online gaming?

Earning money through gaming takes time, so don’t expect to get rich quick. Be patient and have fun. Pick games you enjoy. Read the rules for each app or site.

Is Rewarded Play a trustworthy way to earn Amazon gift cards while having fun?

Rewarded Play is a legit app for earning Amazon gift cards where you can play popular mobile games to earn points, which you can then trade for gift cards. Many users have successfully received rewards from this app.

How To Earn Amazon Gift Cards by Playing Games – Summary

I hope you enjoyed this article on how to earn Amazon gift cards by playing games.

Playing games on your phone or computer is a fun way to earn Amazon gift cards. Some apps and websites give you real money or gift cards for playing games, completing tasks, or reaching certain goals in the game.

Whether you like puzzle games or strategy games, there are options for everyone. The time you spend playing can earn you small rewards or even help you make bigger purchases on Amazon.

Some of my favorite game apps to win free Amazon gift cards include:

I have personally made money playing games on my phone, and I have plans to continue and try some more!

Have you played games online to earn free Amazon gift cards? What do you think of this side hustle?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

Providence is a city filled with history, beauty, and the arts. As the capital and largest city in Rhode Island, Providence draws people in with its blend of New England charm and laid-back, coastal lifestyle . If you’re considering moving to Providence, it’s important to weigh the unique aspects of the city that make it a great place to live, along with the challenges that might affect your decision. Let’s take a closer look at 13 of the most prominent pros and cons of living in Providence.

Providence at a glance

Walk Score: 76 | Bike Score: 61 | Transit Score: 47
Median Sale Price: $550,000 | Average Rent for 1-Bedroom Apartment: $2,075
Providence neighborhoods | Houses for rent in Providence | Apartments for rent in Providence | Homes for sale in Providence

1. Pro: Thriving arts scene

Providence has an active arts community. The Rhode Island School of Design (RISD) and its museum anchor much of the city’s artistic scene while cementing the city’s status as a solid Rhode Island college town. Events like WaterFire showcase local art and bring the community together. 

2. Con: Lacking public transportation options

While Providence has a bus system, the Rhode Island Public Transit Authority (RIPTA), it doesn’t extend to all suburbs. The lack of a subway or robust commuter rail means you might find it challenging to navigate without a car. For those used to large cities with vast transit networks, Providence’s system may feel limited.

3. Pro: Stellar higher education scene

Providence is home to several prestigious universities, including Brown University and RISD. These institutions bring a youthful energy to the city and provide endless educational and professional opportunities. 

4. Con: Higher cost of living compared to nearby areas

Providence can be expensive compared to other parts of Rhode Island. With median home sale prices above the national median of $428,096 and apartments above the national average, some newcomers might find it tough to balance city living with affordability. While it’s cheaper than what people living in New York or Boston will experience, Providence still has higher living costs than its smaller neighboring cities.

5. Pro: Beautiful historic architecture

Walking through Providence feels like stepping into a time capsule, especially in popular neighborhoods like College Hill. The city has preserved much of its 18th- and 19th-century architecture, offering a picturesque backdrop to everyday life. Living in Providence gives you the chance to admire these well-preserved buildings, often right outside your front door.

6. Con: Harsh winter weather

While not one of the coldest cities in the U.S., New England winters in Providence can be tough. Snowstorms and freezing temperatures are common, and city streets can get tricky to navigate. If you aren’t used to cold weather, adjusting to Providence’s winter conditions might be challenging, requiring extra preparation for snowy months.

7. Pro: Great food scene

Providence is known for its fantastic culinary reputation. The city has a wide range of dining experiences, from Italian cuisine in Federal Hill to fresh seafood straight from Narragansett Bay. With numerous acclaimed restaurants, like Hemenway’s, and a commitment to farm-to-table dining, Providence is a foodie’s paradise.

8. Con: Limited job market in certain industries

While Providence offers job opportunities in education, health care, and arts, other industries are less readily available. Tech and finance, for example, may not have the same growth as friends living in New York or Boston. Professionals in niche industries might need to commute or work remotely for better opportunities.

9. Pro: Close to larger cities

Living in Providence means you’re just an hour from friends living in Boston and about three hours from New York City. You get easy access to the excitement of these larger cities while avoiding the crowds and higher cost of living. It’s a great balance for those who want proximity to the highlights of the Northeast.

10. Con: Traffic can be a headache

While Providence isn’t as traffic-congested as larger cities, its highways can get clogged during peak hours. The mix of older infrastructure and the limited number of routes into and out of the city means even short commutes can be frustrating. Parking downtown can also be a challenge, particularly during events or rush hour.

11. Pro: Coastal lifestyle

Rhode Island’s beautiful coastline is a short drive from Providence, offering easy access to beaches, boating, and outdoor activities. Living in Providence allows you to enjoy city living with the added benefit of being close to nature. 

12. Con: Minimal space for urban growth

Providence is an older city with limited space for expansion. As a result, new developments can feel cramped, and there’s little room for large-scale growth. This limitation can make finding newer housing or commercial space in the city proper more challenging.

13. Pro: Strong downtown and nightlife

Downtown Providence has seen a resurgence, with a variety of bars, restaurants, and entertainment options. Community events and festivals light up the city during the warmer months, offering unique experiences for locals. 

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com

Apache is functioning normally

Nearly 60 percent of future retirees think they will need a paycheck in retirement that’s as big or bigger than what they receive today to live comfortably As retirement looms, the majority of Gen X Americans say their retirement nest egg is just three times their annual salary or less While nearly two-thirds of Gen … [Read more…]

Apache is functioning normally

Owning a home has long been part of the ‘Adulthood Dream’. It’s a major financial milestone that brings stability, equity, and pride of ownership. But as times change, the age-old debate about buying or renting continues to evolve. While renting is generally more flexible and may seem less risky, homeownership often offers financial and personal benefits that renters miss out on. So how do you choose? Let’s dive into the benefits of owning a home compared to renting to help you find the best fit for your lifestyle and goals. 

Building Equity vs. Monthly Expenses

Homeownership

One of the biggest advantages of owning a home is building equity. Each mortgage payment brings you closer to owning a valuable asset that can increase in value over time. Home equity can act as a financial safety net, allowing homeowners to borrow against it for significant expenses or investments, such as education, renovations, or emergencies. 

Renting

When you rent, your monthly payments contribute to your landlord’s equity, not your own. Renting can be seen as paying for temporary access to a property rather than investing in a long-term asset. However, renting may offer a lower upfront cost for people saving for a down payment or needing financial flexibility 

Stability and Long-Term Planning

Homeownership

Homeowners typically experience more stability than renters. Once you’re settled in a home, you don’t have to worry about lease renewals, sudden rent hikes, or a landlord selling the property. Homeownership provides a sense of permanence and control over your living space, which is beneficial for long-term planning, especially for families with children or those looking to put down roots in a community. 

Renting

Renting offers flexibility that homeownership does not. If you’re not ready to commit to a particular location or if your career requires you to relocate often, renting provides the freedom to move with minimal hassle. For people with short-term plans, renting is often the more convenient option. 

Tax Advantages 

Homeownership

Owning a home can come with significant tax benefits. For instance, homeowners can often deduct mortgage interest and property taxes from their federal income tax, which can result in substantial savings. Furthermore, when it’s time to sell, homeowners may also benefit from capital gains tax exemptions on profits made from the sale of a primary residence. 

Renting 

Renters generally don’t receive tax benefits on their rental payments. While some states offer renters’ credits, these are usually minimal compared to the tax breaks available to homeowners. 

Cost Stability vs. Potential Increases

Homeownership

With a fixed-rate mortgage, homeowners can enjoy predictable monthly payments over the life of the loan. Property taxes and insurance costs may fluctuate, but owning a home provides more financial predictability than renting. Plus, as your mortgage balance decreases, you’re likely to end up with more available cash flow over time. 

Renting

Renters may be vulnerable to rent increases as market conditions shift. Landlords can raise rent at the end of a lease term, sometimes making it difficult for tenants to stay in their preferred location or relocate to a more affordable property. 

An Investment with Potential Returns 

Homeownership

Over time, real estate has generally appreciated, and many homeowners build significant wealth through homeownership. Although real estate markets can fluctuate, many people consider their homes a long-term investment that will increase in value. In contrast to stocks or other investments, owning a home offers the dual benefit of a tangible asset and a place to live. 

Renting

Renting does not contribute to your wealth in the same way that owning a home can. Although you avoid property maintenance and other homeowner-related expenses, rental payments do not offer any potential for financial return, and you don’t benefit from market appreciation like homeowners do. 

Making the Decision: Ownership or Renting?

The choice between renting and owning ultimately depends on your unique goals, financial situation, and lifestyle. Homeownership can be incredibly rewarding if you’re looking for stability, a long-term investment, and a place to call your own. On the other hand, if you prioritize flexibility, lower upfront costs, and a more temporary housing option, renting might suit your lifestyle better. 

Whether you choose to buy or rent, knowing the benefits of each option can empower you to make an informed decision that aligns with your financial health and personal aspirations. 
Are you looking to enter the real estate market this fall? Give us a call today! One of the experienced agents at Zoocasa will be more than happy to help you through the exciting home-buying process!

Looking for your dream home?

Contact us today to talk to a Realtor in your area

Source: zoocasa.com

Apache is functioning normally

If you pay your credit card balance in full each month, then your card’s ongoing interest rate (aka its annual percentage rate, or APR) is irrelevant, since you’ll never owe any interest.

But if you tend to carry a balance from month to month, knowing where your interest rate stands is key to saving money, especially if you’re revolving several balances.

Credit card APRs can change periodically based on a variety of factors, such as the general state of the economy and your own creditworthiness, so it’s not always easy to keep up with. (A credit card issuer has the right to change a card’s interest rate on future purchases, but it must generally notify you 45 days in advance.)

But here’s why it’s helpful to be aware of the figure and how to use it to your advantage.

You can use it to recognize better options

Understanding your credit card’s interest rate can help you in spotting better ones. Locate your credit card’s APR on the card’s statement or by logging into the account online or in the app.

For context, the average interest rate for credit card accounts assessed interest charges as of August 2024 was 23.37%, according to data from the Federal Reserve. That kind of interest can get costly in a hurry, although rates will vary widely depending on the type of card.

Rewards credit cards and store credit cards, for instance, tend to have higher interest rates, so they’re ideal only for those who can pay off the balance in full every month, ensuring that interest charges don’t eat into the value of any rewards or perks the card offers.

If your interest rate is significantly higher than average, or simply too high for your liking, you may have a few options, depending on your credit:

Consolidate debt

Consolidation options, such as a balance transfer credit card or a personal loan, can bring down the cost of your debt. The ideal offer for a balance transfer credit card is a 0% intro APR promotion for a lengthy window of time, giving you breathing room to chip away at the debt without incurring interest charges. It’s important to factor in the cost of any balance transfer fee to determine if it will save money compared to the interest charges you’re expected to pay over time. If you have debt across several credit cards, a personal loan can consolidate balances into a single lower-interest fixed payment.

These kinds of options will typically require good credit (typically FICO scores of 690 or higher) to get the most affordable rates. Another option for those with less-than-ideal credit is to see whether you qualify for a debt management plan at a nonprofit credit counseling agency. These plans consolidate eligible debts into a single fixed payment at a lower rate, usually regardless of your credit scores.

“In our latest analysis, the interest rates have gone from an average of 28% down to 7.3%, so that can actually give people the opportunity to handle that,” says Andy Manthei, a former financial counselor and currently a change cultivator through new partnerships and advocacy for marginalized communities at GreenPath, a nonprofit credit counseling agency.

Regardless of which option you choose, avoid adding new purchases to your credit card while you’re paying down debt. Switch to a payment method like cash or debit to make more progress toward your goals.

Negotiate a lower APR

Debt consolidation will save more money on hefty balances that require a long term to pay down. For lower short-term balances that can be paid off relatively quickly, though, consider calling your credit card issuer to see whether negotiating a lower interest rate is possible.

It can help to have an account that is in good standing, and you may have to talk to several people before making progress, but it may be worth it if saves you money. Also consider this option if your credit scores have increased since you last received the card, Manthei says.

Alternately, if a financial hardship might get in the way of making payments, ask your issuer whether it offers a hardship plan. This option could lower your interest rate for a short window, depending on the terms the issuer offers. The types of hardships that might qualify include circumstances beyond your control: a pay cut, unemployment, a serious illness, a family emergency or a natural disaster, among others.

Switch to a card with a lower APR

Once you’ve paid down existing debt, contemplate whether you want to return to spending with credit cards at all. The key is knowing yourself and whether you can manage cards differently the next time around. If you know you’re still likely to carry a balance over time — even though it’s not ideal — explore low-interest credit cards that can prevent your bill from becoming too expensive.

Some credit card issuers offer pre-qualification options that not only help you determine your odds of approval, but in some cases may even show you your “offer” — including your APR and/or credit limit — before you officially apply, meaning there won’t be any impact on your credit scores unless you decide to accept.

“You could even look at local credit unions or banks … and see what is their range of rates,” Manthei says.

Credit unions require a membership to join based on different criteria like where you live or work, but joining one could be worth the extra steps. Federal law caps the interest rates on most loans and credit cards at federally chartered credit unions. As of this writing, interest rates on those products don’t exceed 18%.

Source: nerdwallet.com

Apache is functioning normally

From charming southern hospitality, stunning beaches, and rich historical roots, South Carolina draws renters from all over. It’s home to bustling college towns, beautiful coastal escapes, and even thriving tech hubs. But is South Carolina a good palace to live? From palmetto-lined streets to legendary barbecue pits, South Carolina has quirks that both attract and challenge newcomers. Here, we explore ten pros and cons of living in South Carolina to help you get a feel for life in the Palmetto State.

Is South Carolina a good place to live?

Life in South Carolina is laid-back, yet provides scenic coastal living, historical architecture, and growing opportunities. Major cities like Charleston, Columbia, and Greenville have become economic hubs, attracting companies in industries ranging from healthcare to manufacturing and technology. Employers like Boeing, BMW, and Prisma Health are some of the state’s biggest, providing various career opportunities. The capital, Columbia, has a lively college-town vibe thanks to the University of South Carolina, while Charleston is a bustling port and an ever-expanding tech industry. 

The state’s cultural scene shines with renowned events like Charleston’s Spoleto Festival USA, and Columbia’s SC State Fair, where the community comes together to celebrate. South Carolinians embrace the outdoors, enjoying everything from hiking through the lush landscapes of Congaree National Park to kayaking along scenic rivers. Beach lovers flock to Myrtle Beach and Hilton Head, while nature enthusiasts find solace in the state’s pristine forests and sprawling parks.

South Carolina overview

Population 5,118,425
Biggest cities in South Carolina Charleston, Columbia, North Charleston
Average rent in Charleston $1,468
Average rent in Columbia $1,057
Average rent in North Charleston $1,686

1. Pro: Beautiful beaches and mild winters

South Carolina’s coastline is a dream for beach lovers, with stunning sandy stretches like Myrtle Beach, Hilton Head, and Folly Beach. With winters that are mild compared to northern states, coastal life can be enjoyed almost year-round. Whether you prefer lounging on the beach, taking scenic oceanfront bike rides, or gathering with friends around beach bonfires, South Carolina’s beaches are an irresistible part of life here.

Local tip: Folly Beach locals say the best time to visit is in the fall when the crowds have thinned, and you can catch the magical sunsets without the summer rush.

2. Con: High humidity and hot summers

The flip side to those mild winters? Summers can be a real scorcher. With humidity often in the 90% range, the summer season here is long and intense, especially in cities like Columbia and Charleston. If you’re not used to high heat combined with high humidity, you may need some time to adjust. 

3. Pro: Southern hospitality and friendly neighbors

Southern hospitality is alive and well in South Carolina, and it’s something newcomers notice right away. Whether you’re moving into an apartment in Charleston or renting a home in Greenville, expect friendly waves, porch chats, and genuine interest from your neighbors. The sense of community here makes it easy to settle in and feel welcomed, as locals take pride in making new residents feel at home.

Insider scoop: As an insider tip, if you want to connect with locals quickly, attend a neighborhood oyster roast or shrimp boil—these gatherings are a South Carolina staple.

4. Con: Limited public transit options

Public transportation isn’t as developed in South Carolina as in some other states, which means a car is a necessity for most people. Outside of Charleston and Columbia, public transit options are sparse. The reliance on driving can be a drawback, especially for those accustomed to using buses, trains, or metro systems. 

5. Pro: Affordable cost of living

South Carolina is known for its affordable cost of living, making it an attractive choice for renters. Rent prices are generally reasonable, especially compared to other coastal states. In Columbia, the state’s capital, the average rent for a one-bedroom apartment is around $1,057, while in Greenville, a bustling city with a growing tech scene, it averages closer to $1,477. Charleston, with its historic charm and beach access, tends to be pricier, with one-bedroom rentals averaging around $1,468. Even so, compared to similarly popular cities along the East Coast, Charleston remains affordable.

6. Con: Higher utility bills

While rent and other expenses are generally low, utility costs in South Carolina can be surprisingly high. The hot and humid climate means air conditioning is a must during the warmer months, which can lead to higher energy bills. Some homes also rely on electric heat in the winter, adding to costs. For instance, utilities in Charleston are 20% more than the national average.

7. Pro: Renowned culinary scene, especially BBQ

South Carolina’s food scene is bursting with Southern charm, from mustard-based BBQ to shrimp and grits. Charleston is a foodie’s paradise with world-class restaurants and innovative chefs, while local BBQ joints across the state serve up signature flavors that locals swear by. If you’re a fan of seafood, low-country boils, and hearty Southern comfort food, you’ll feel right at home in the Palmetto State.

Insider scoop: For a true insider experience, head to the tiny town of Hemingway and try Scott’s Bar-B-Que, a legendary spot beloved by locals for its whole-hog, wood-smoked barbecue.

8. Con: Limited variety of international cuisine

While local cuisine is a strong suit, South Carolina may be limited in international food options compared to larger metropolitan areas. Outside of Charleston and Columbia, finding authentic international cuisine, like high-quality sushi or Mediterranean food, can be challenging. Foodies looking for a wide range of global eats may miss having extensive options nearby.

9. Pro: Rich history and cultural heritage

For history buffs, South Carolina is full of it. The state played a significant role in the American Revolution and the Civil War, and its historical legacy is preserved in sites like Fort Sumter and Charleston’s historic district. Living here offers endless opportunities to explore museums, cultural festivals, and historical landmarks, making it easy to stay connected with the state’s rich past.

Insider scoop: Try the candlelight walking tour in Charleston, where guides share hidden tales of Revolutionary battles, pirate lore, and local legends as you stroll cobblestone streets at dusk.

10. Con: Occasional hurricanes and tropical storms

Moving to South Carolina means being aware of the hurricane season, which typically runs from June to November. Coastal areas are particularly vulnerable, with Charleston and Hilton Head occasionally impacted by tropical storms and hurricanes. While precautions are standard, renters in coastal regions may face occasional evacuations and should consider flood insurance if they’re near low-lying areas.

Pros and cons of living in South Carolina: Overview

Pros Cons
Beautiful beaches and mild winters High humidity and hot summers
Southern hospitality and friendly neighbors Limited public transit options
Affordable cost of living Higher utility bills
Renowned culinary scene, especially BBQ Limited variety of international cuisine
Rich history and cultural heritage Occasional hurricanes and tropical storms

Source: rent.com

Apache is functioning normally

When your mortgage payment comes due every month, it may look like a single bill. But in reality, you’re likely paying four separate things: principal, interest, taxes, and insurance. PITI is an acronym that bundles these four elements together. But in order to better understand where, exactly, your monthly mortgage money is going, we’re going to take PITI apart and explain each element for you.

Understanding PITI

As discussed above, PITI is the acronym for the four basic components of a monthly mortgage payment. PITI includes:

•  Mortgage principal (the amount you borrowed from the bank)

•  Mortgage interest (the amount the bank charges you for the loan)

•Property taxes (levied by the local government)

•  Homeowners insurance (which covers the cost of repairing or replacing your home under certain covered circumstances)

Importance in Mortgage Payments

Together, these amounts add up to your total monthly mortgage payment — though that amount is not the same as your total monthly home expenses, which also include things like utilities and maintenance. (More on that below.)

Breaking down your PITI and calculating each separate component helps you better understand where your money is going each month. During the home-buying process, it helps you narrow your home search to those that are actually affordable on your budget. And later, knowing what does PITI stand for and what numbers comprise the components of your PITI will help you if you need to request a mortgage interest deduction on your taxes.

First-time homebuyers can
prequalify for a SoFi mortgage loan,
with as little as 3% down.

Questions? Call (844)-763-4466.

Breaking Down PITI Components

Principal and interest are paid to your mortgage lender, and include both the money you borrowed and the money the bank is charging you for the service of offering the loan. Keep in mind that the amount of principal versus interest will change over the lifetime of the loan in a process known as amortization. To get a full picture of how that works, try out a mortgage calculator that includes an amortization chart.

Meanwhile, your property taxes and homeowners insurance will likely flow into an escrow account, where funds will be used to pay those bills as they come due. Property taxes are almost always included in your mortgage payment, and if you owe money on your home, you will be required to carry homeowners insurance. (Even if you don’t, buying a policy is a good idea. After all, if you’re like many Americans, your home is likely the single most valuable asset in your portfolio.)

Finally, there are also other components that may be part of your monthly mortgage payment — though not part of your PITI. These include extras like PMI (private mortgage insurance) or HOA fees. Not every home purchase will come with these payments, but if you make a down payment of less than 20%, some sort of mortgage insurance is usually inevitable.

Recommended: Property Tax and Your Mortgage: Everything You Need to Know

How PITI Affects Home Affordability

PITI in real estate affects home affordability in a pretty straightforward way: Knowing your PITI ahead of time helps you ensure you’re making an offer on a house that’s truly within your budget. Knowing the cost of a home is one thing, but knowing how much the mortgage will actually take out of your account each month is another. One important rule of thumb: Most lenders prefer that your PITI is less than or equal to 28% of your gross (pre-tax) monthly income.

Fortunately, there are some things you can do to lower your interest rate — which lowers your overall PITI. By keeping your debt-to-income ratio (DTI) low and maintaining a good credit score, you can help ensure you get the lowest interest rates possible, which may expand your home-buying power by qualifying you for a lower rate, no matter the purchase price.

Calculating Your PITI

These days, the easiest way to calculate your PITI is by using an online mortgage calculator with taxes. You’ll need to estimate the home’s annual property taxes based on records kept by your county, and add the insurance premium quoted to you into the mix.

Keep in mind, however, that PITI can (and likely will) change over time as both tax rates and your insurance premiums change each year. Although a fixed-rate mortgage keeps your “PI” static, the “T” and “I” may change your overall monthly mortgage payment over the course of its term. To ensure long-term affordability, consider how increases in each of these categories might work with your budget.

PITI vs. Non-PITI Expenses

As discussed above, PITI doesn’t cover the whole range of homeownership expenses. Along with additional extras like homeowners association (HOA) fees and mortgage insurance, owning a home also means paying monthly utilities as well as any regular repair and maintenance costs.

Those costs can add up, especially if you’re not expecting them. One common rule of thumb is to set aside 1% of your home’s value for repairs each year, with exact figures depending on where you live. (In other words, in some expensive states, like Hawaii, California, and New York, repair costs may be even higher.)

Strategies to Manage and Reduce PITI

Keeping your PITI low keeps your housing expenses low, and while some parts of your mortgage may seem set in stone, others are more negotiable.

For example, did you know that you can challenge property tax assessments (that determine the amount of “T” in your PITI)? Once your home is valuated, if you disagree with the findings, you may reach out to your county or local governance to challenge them. Doing so may lower your taxable property value. (Be warned, however, that if the current valuation does not include recent renovations or, say, a new outbuilding, the taxable value could actually rise.)

Additionally, shopping around for insurance can go a long way toward lowering the second “I” in your PITI. Different insurance companies have different proprietary algorithms and therefore different rates for similar coverage. Additionally, you can play with how much coverage you buy — but use caution before skimping on protecting your home.

Finally, if you already have a home mortgage loan but your creditworthiness profile has substantially improved (and market interest rates are lower than they were when you took out the loan in the first place), refinancing may serve to substantially lower the “P” and initial “I” in your PITI. Remember, though, that you’ll pay closing costs again, so factor in that expense before deciding this is the right financial move for your situation.

Recommended: What Is a Home Inspection

The Takeaway

The acronym PITI describes the four most basic elements of a monthly mortgage payment — but they’re far from the only costs associated with homeownership. Still, understanding PITI can help you find a home that’s within a reasonable purchase price range in the short term — and taking strategic steps to reduce your PITI can help you keep your costs low for years to come.

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.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

How does PITI change over the life of the loan?

If you have a fixed-rate mortgage, your principal and interest payments will always amount to the same total — though the ratio of how much of those funds go toward interest versus principal will shift over the lifetime of the loan in a process known as amortization. Your property tax rate and insurance rate may change over time based on the valuation of your home, changes in the local tax code, and insurance premium changes (or a change in insurers). Thus, your monthly housing cost could shift, and even increase, over time, even if the loan is fixed-rate.

Can I pay property taxes and insurance separately from my mortgage?

In most cases, property taxes and homeowners insurance are paid together with the mortgage, and the funds go into an escrow account where they pay their respective bills as they come due. However, it is possible to secure an escrow waiver from your home lender, which would allow you to pay these expenses separately.

How does PITI affect my ability to qualify for a mortgage?

Lenders calculate your PITI before approving your mortgage application — and if your PITI is too high, you might not get approved. Generally speaking, lenders like to see your PITI equal to or less than 28% of your gross monthly income, though some lenders may approve you if your PITI is slightly higher.

What happens if I can’t afford the full PITI payment?

If your financial circumstances change and you can no longer afford to pay your mortgage, your first move should be to contact your lender. They may be able to negotiate or offer a mortgage assistance service. Talking to a U.S. Department of Housing and Urban Development foreclosure avoidance counselor could also help — but simply allowing your loan to fall into default could lead to home foreclosure.

Photo Credits: iStock/

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

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

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

SOHL-Q424-002

Source: sofi.com

Apache is functioning normally

Madison, WI, is celebrated for its charming culture and rich history, anchored by its role as a hub for education and innovation. Home to the University of Wisconsin, the city buzzes with energy, blending academic pursuits with inviting neighborhoods, a diverse culinary scene, and many other hidden gems in Madison waiting to be discovered.

Whether you’re settling into a cozy rental house in Madison, WI, eyeing a home in the city, or planning to rent an apartment, living here means embracing a lively community that celebrates connection. From savoring local delicacies and discovering unique eateries to enjoying leisurely strolls around the beautiful lakes, you’ll truly experience the essence of life in Madison.

Photo courtesy of Christina Clancy, author of The Snowbirds (Feb. 2025)

1. Explore your new home

Madison is filled with hidden gems that showcase many unique experiences that blend history, charm, and natural beauty. Whether you’re seeking a tranquil escape in nature or a lively café to start your day, you’ll find a wealth of delightful options waiting for you.

Discover the hidden gems within the neighborhood

One of the best hidden gems in Madison comes from Christina Clancy, author of The Snowbirds (Feb. 2025) who shares a touching detail of her home. “The previous owners of our 1916 Prairie-style home in Madison revealed a charming detail about the kitchen: they had a special cabinet just for picnic baskets. The house is near Picnic Point, a finger of land that juts into Lake Mendota and is accessible via the five-mile-long Lake Shore Path, which stretches from the UW-Madison campus to the Lakeshore Nature Preserve.” 

She goes on to share, “Now I take the path Picnic Point to run, forest bathe, birdwatch, walk my dog, join friends around the campfire pits, and ding cowbells at the marathoners and Iron Man participants hitting the final stretch of their races. When I go toward campus, the path leads to the community-run Hoofer Sailing Club where I can rent a boat, listen to the UW Marching Band practice for Badger game day, and watch live music on the Memorial Union Terrace overlooking the lake. The Lakeshore Path is where the community and the campus connect, and it’s where the vibrancy of our beloved college town and the natural beauty of the city are on full display.”

Photo Courtesy of Sunne Boutique

More hidden gems in Madison can be found by taking a leisurely walk to the University of Wisconsin campus and exploring nearby attractions. Visit the Henry Vilas Zoo, stroll along the lake path behind Edgewood College, or wander through the Arboretum. You’ll even discover a hidden gem called Lake Wingra where you can ice skate near the zoo or do a little ice fishing. In the summer, rent a boat or kayak and don’t forget to stop for ice cream at The Chocolate Shoppe right after.

Find your comfort coffee shop

Awa Sibi, the owner of the West African restaurant Les Delices De Awa, shares her morning routine before starting her day at the restaurant. “I look forward to grabbing an iced latte every morning from one of my favorite local coffee shops, Reverie, rain or shine. It brings a sense of community to walk into a coffee shop where you know all of the baristas and they know how you take your coffee.” She continues to recommend a visit to The Atwood and Shenck neighborhood which has an array of great local cafes for all the coffee lovers. 

Visit historic spots

For the history buffs interested in the hidden gems in Madison, author Frank Bures, shares a great tip. “There are many places in Madison worth a stop, but one of best is Monona Terrace, the modernist, Frank Lloyd Wright-designed conference center that was first proposed in 1938, and finally built in 1997. On the roof of Monona Terrace is a small memorial to Otis Redding, the 26-years-old singer who died in a plane crash in Lake Monona in 1967, one month before his song ’Sittin’ on The Dock of the Bay’ was released.”

Photo courtesy of Forward Madison FC

2. Cheer for the Forward Madison FC

Set in the heart of Downtown Madison, the historic Breese Stevens Field is home to Professional Men’s Soccer Team, Forward Madison FC. Whether you’re a die-hard soccer fan, planning a fun night out with a group, or a business looking to treat your office to an evening on the town, an FMFC match is the perfect outing for you. This team marches to the beat of their own drum with its Flamingo flair, live cow mascot, and energy-packed supporters section, Forward Madison FC matches are a must in Madison.

3. Embark on a day of shopping

Madison offers a unique shopping experience for different interests and tastes that you’ll want to add to your bucket list. Whether you’re browsing curated collections or losing yourself in a captivating read, you’ll quickly find your go-to hidden gems in Madison that invite you to discover its delightful blend of local flavor and community spirit.

Browse through curated collections

As you explore Madison, be sure to stop by Wish Upon Boutique, a hidden fashion gem just minutes from the city. This boutique offers a meticulously curated collection of trendy women’s clothing, gifts, and accessories that are as unique as they are stylish. After shopping, take a walk through Stoughton’s history downtown and enjoy the perfect blend of small-town charm and city convenience. 

Continue your shopping spree on Monroe Street where you’ll find a delightful selection of locally owned boutiques and local eateries. One store you don’t want to miss is Sunne Boutique. Inside this cheery little spot you’ll find a selection of clothing and goods with a California-European vibe. There is something unique for everyone to find. After, stop by Bloom Bakery for a shopping break and enjoy some sweet potato donuts.

Photo courtesy of Calabash Gifts

Another must-visit hidden gem in Madison is Calabash Gifts on Monroe Street, featuring a vibrant collection of arts from South Africa and Eastern Africa, including fine art, basketry, hand-carved animals, textile decor, stone carvings, and jewelry. Curated through fair trade practices, these pieces support African women’s cooperatives, job creation programs and individual artists. 

Explore Madison’s literary gems

If you’re in the mood for a cozy afternoon, Mystery To Me Books is the perfect spot to relax and browse. While known for its wide selection of mystery novels, the shop offers a little something for everyone—whether you’re into rom-coms, fantasy, non-fiction, or graphic novels. They also host engaging events like author talks, where you can meet the writers behind your favorite books. If you’re looking to connect with fellow readers, their book club is a great way to immerse yourself in Madison’s community while diving into some great stories.

Another must-visit on your ever-growing list of book destinations is Frugal Muse Books on the west side of Madison. With 30 years of experience buying, selling, and trading, this beloved local shop is a treasure trove of nostalgia. Browsing through the eclectic collection of used and new books can evoke fond memories of discovering hidden gems, whether it’s a cherished childhood favorite or a quirky comic. You can also comfortably sell your beloved reads here, knowing they’ll continue to impact new readers’ lives. Plus, you’ll find an array of movies and music across various genres, including those niche subjects that spark joy and curiosity.

4. Savour Madison’s culinary landscape

Madison’s diverse culinary scene offers everything from farm-to-table delights to international cuisine, sure to satisfy every craving. It’s undeniable that Madison is a haven for food lovers and you’re sure to discover hidden gems as you explore the city.

Dine and discover

If you’re craving Italian cuisine in Madison, look no further than Lombardino’s Restaurant. This charming neighborhood eatery boasts a warm, inviting atmosphere that makes every visit feel special. With a frequently changing menu inspired by seasonal ingredients, there’s always something new and exciting to discover. Lombardino’s prides itself on sourcing from local farms and incorporating the finest imported Italian products, ensuring a fresh and authentic dining experience. To elevate your meal, explore their thoughtfully curated Italian wine list, perfectly paired to enhance each dish.

Photo courtesy of Lola’s

If you’re searching for a lively night out with friends, Lola’s Hi/Lo Lounge is the ultimate hidden gem in Madison. Step into this stylish cocktail lounge, reminiscent of the vibrant 60s, where the atmosphere radiates retro charm and sophistication. As a vinyl HiFi bar, Lola’s offers a unique auditory experience, with local DJs spinning classic vinyl records that set the perfect backdrop for your evening. Whether you’re enjoying dinner or unwinding late into the night, the inviting ambiance and expertly crafted cocktails create a memorable experience.

Find your community

Whether you’re new to Madison or a long-time local looking to get more involved in the community, becoming a member of the Madison, WI chapter of Books, Brunches & Booze is a great way to meet new people while exploring the city’s culinary delights. Enjoy unique venues like Leopold’s Books Bar Caffè, a cozy spot that combines a bookstore, bar, and coffee shop. Leopold’s is a great spot to dive into a novel and unwind with friends. It’s the ideal spot for book clubs and foodies alike.

Have your own cooking experience

FEED Kitchens is a food business incubator that invites individuals from various backgrounds to bring international flair to Madison’s food culture. With a membership, individuals and businesses can come together to create delicious food, many of whom actively contribute to the city’s culinary scene. The facility fosters a diverse community, with producers hailing from around the globe. In addition to the variety of products made at FEED Kitchens, over 20 food carts launch from the facility during the summer event season, serving the greater Madison region and further enriching the local food landscape.

Photo courtesy of Speckled Hen Inn

5. Enjoy a weekend away

If you’re living in Madison and craving a peaceful escape that feels worlds away, consider a stay at The Speckled Hen Inn. This charming 20-acre country estate offers rooms with king-sized beds, cozy fireplaces, and relaxing jetted tubs. Each stay includes a farm-to-table breakfast, featuring fresh, local ingredients. As you unwind by the fire, take in the serene views of sheep, llamas, and a horse grazing in the picturesque white-fenced pasture. It’s the perfect spot for a holiday retreat, offering all the warmth and tranquility of a Hallmark Christmas getaway.

Hidden gems in Madison, WI just waiting to be discovered 

Every city has its pros and cons, but Madison, WI, is a captivating city that seamlessly blends culture, community, and natural beauty. From its diverse culinary scene to its unique shopping experiences and rich history, Madison invites both residents and visitors to explore its many hidden gems. Enjoy a meal at a charming neighborhood restaurant, cheer for a local soccer match, or uncover hidden gems in the city’s vibrant neighborhoods. Each experience contributes to the welcoming spirit that makes Madison what it’s known for.

Source: rent.com