Short for “you need a budget,” YNAB is a budgeting app that uses the zero-based budgeting system to help you make a plan for every dollar of your monthly income. The budgeting process is involved, but YNAB’s website offers articles and videos to help users get with the program.
YNAB is a popular app with thousands of reviews and high user ratings (4.8 on the App Store and 4.7 on Google Play). The r/ynab subreddit has 193,000 members. We downloaded and tested the iOS app and used the web-based version of YNAB to find out how it works and who could benefit from it.
What is YNAB?
More than an app, YNAB is a hands-on money management method based on the following four rules:
Give every dollar a job. This is zero-based budgeting in a nutshell. You make a plan for how you’re going to use each dollar of your income. An old-school way to do this is to put cash in envelopes marked for specific expenses.
Embrace your true expenses. The idea is to take larger, less frequent expenses (like an upcoming vacation) and break them into smaller chunks so you can budget for them each month.
Roll with the punches. This rule encourages flexibility; if you’re struggling to pay a bill one month, you can look for other areas to pull back.
Age your money. This rule emphasizes watching your spending so you can build savings and increase the time between when you earn money and when you spend it.
It’s hard to argue with the philosophy. These are sound rules that promote better financial habits.
Before you build a budget
NerdWallet breaks down your spending and shows you ways to save.
How much does YNAB cost?
YNAB is a paid budgeting app with no free version, although new users can start with a free trial for 34 days. After that, it costs $14.99 per month or $109 per year. College students get YNAB free for a year.
YNAB may be worth the cost if it helps you spend less and save more money over time.
How does YNAB work?
YNAB is not a set-it-and-forget-it budgeting app. Rather, it encourages you to play an active role in managing your money by defining budgeting categories, allocating money to those categories and then closely monitoring transactions as they occur.
Define expense categories
Initial setup is the most tedious part, but YNAB asks a few questions up front — about debt and what you like to spend money on — to help you define spending categories. Think of these spending categories as line items in a budgeting spreadsheet (like rent, groceries and meals out), but with a fancier design.
It’s important to include every spending category you can think of in your YNAB budget, and you may need to consult bill receipts, credit card transactions and bank statements at first. Don’t forget to add categories for debt payments, saving and investing if applicable.
🤓Nerdy Tip
Do yourself a favor and use YNAB’s desktop site on a laptop to set up your budget. The larger layout makes it easy to be thorough when defining and organizing spending categories.
Complete the setup process by setting spending targets for recurring expenses — like a monthly rent payment that remains relatively constant at $1,500 per month — and add your current bank balance. You can connect your bank or add the balance manually.
Fund expenses (only with money you have)
YNAB wants you to be intentional and honest with yourself about your money, which means only assigning money you have to your budgeting categories. Your bank balance displays at the top of the app and goes down as you allocate funds to each expense category.
YNAB doesn’t restrict you from funding categories with money not yet there (for example, the second paycheck you know is coming later in the month), but you’ll see a negative balance in bright red that shows you’ve assigned more than you have. Here’s how one user put it on a r/YNAB Reddit thread:
“Imagine you have actual cash and you’re trying to put it in envelopes. The red bubble is there because you’re trying to put cash you don’t have yet in the envelopes,” wrote u/HLef in response to a question from a YNAB newbie who was seeing red.
Record and categorize transactions
Funding your expense categories is the planning part of YNAB. Recording transactions is how you monitor actual spending. The hands-on nature of YNAB means you’ll need to record and categorize transactions for a real-time look at how actual spending aligns with how much you’ve allocated to each category. You can manually enter every purchase yourself, or link supported bank and credit card accounts within the app to make importing transactions more automatic.
YNAB is likely to work best when you’re faithful about funding categories and recording transactions in the app.
What are the pros and cons of YNAB?
The big benefit of YNAB — its super hands-on approach that encourages saving — may be a drawback that keeps others away. Also, it costs money.
Pros
YNAB is a sound money management philosophy within an app.
The app is well-designed and also accessible on desktop.
There are lots of resources available to help you learn the YNAB way.
Cons
This money management method is really involved, which may make it hard to stick with it.
It’s pricey and there is no free version; at $14.99 per month, you’ll spend nearly $900 in five years (or $545 at $109 per year).
What are some YNAB alternatives?
Budgeting apps are all the rage, and there’s no shortage of options to choose from in 2024.
EveryDollar is an app (like YNAB) that makes our best budget apps list and offers a zero-based budgeting framework. Some users may find it simpler to manage than YNAB. EveryDollar has a free and paid version.
PocketGuard is an alternative that’s big on simplifying the budgeting process. Essentially, you can link your bank accounts, credit cards, loans and investments, plus use the app to track net worth and monitor spending. PocketGuard also has a free and paid version.
Who is YNAB for?
YNAB may be for you if you’re serious about optimizing your finances and have the discipline to stick with it. To be effective and get your money’s worth, you’ll need to be in the app adjusting your categories, forecasting where your funds will go and recording transactions on a regular basis. If you can do that, you’ll probably be better with money for it.
Methodology
We chose to review this app because of its popularity and high ratings in both major app stores. We signed up for the free trial and conducted hands-on testing using both the desktop and mobile app versions of YNAB to understand the budgeting process and explore key features.
Before you build a budget
NerdWallet breaks down your spending and shows you ways to save.
The Holiday Inn Club Vacations timeshare program offers access to more than two-dozen resorts in the U.S. and Mexico if you participate in its “points-based vacation ownership.” That basically means you pay for a real estate interest and in return, you get points you can spend on vacation rentals.
The Holiday Inn Club Vacations World Mastercard — issued by First Electronic Bank and managed by financial technology company Imprint — is a co-branded credit card for the Holiday Inn Club Vacations timeshare program. It earns rewards on vacation bookings and other costs associated with timeshare ownership and use. And while there’s no annual fee for the card, timeshares can come with considerable costs.
Here are five things to know about the Holiday Inn Club Vacations credit card.
1. The timeshare spiel comes first
What’s an article about timeshares without the initial sales presentation? (Sadly, reading this all the way through won’t get you a few free nights at a resort. Sorry.)
The Holiday Inn Club Vacations credit card is designed for program members. If you aren’t one currently, here’s some information from Holiday Inn Club Vacations:
On average, Holiday Inn Club members spend $16,290 on their initial purchase of 75,000 points, which will get you a one-bedroom villa for a long weekend during the peak travel season.
The most popular membership package costs $40,000, which gets you 200,000 points. That’s enough to fund multiple stays over the course of a year.
At this point, you might be thinking, “That’s a lot of money.” And you’re right, although you can finance it and even earn rewards on your mortgage payments with the Holiday Inn Club Vacations credit card. Just note that there’s no 0% APR offer on the card, so that could be an expensive proposition.
As for whether buying a timeshare fits into your budget and life, well, that’s between you and your financial planner.
2. Earn 3% back on Holiday Inn Club purchases
The Holiday Inn Club Vacations World Mastercard earns:
3% back in rewards on Holiday Inn Club Vacations purchases, including vacation bookings, on-site dining and purchases, and even payments toward your timeshare mortgage.
1% back on all other purchases.
You can redeem rewards toward more Holiday Inn Club Vacations purchases, which include vacation rentals, on-site purchases, your mortgage and HOA fees.
3. There’s a welcome offer
Earn a $50 welcome bonus after you spend $1,000 on the card in the first 90 days. Spend it all in one place!
4. Enjoy World Mastercard benefits
The Holiday Inn Club Vacations World Mastercard also comes with World Mastercard benefits, which include discounts with specific merchants such as Lyft, Peacock, Instacart, Booking.com and more.
5. This card isn’t connected to Holiday Inn hotels
Holiday Inn Club Vacations isn’t connected to Holiday Inn hotels, which are part of IHG Hotels and Resorts and the IHG Rewards program. If you prefer the classic hotel stay without the sense of ownership, the IHG One Rewards Premier Credit Card earns up to 26 points per $1 spent at IHG hotels, and 5 points per $1 on gas and dining. It also has a sign-up bonus: Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening. The annual fee is $99.
Gen X Women On Average Believe They Will Need Over $2 Million to Retire Comfortably – More Than Any Other Group of Women, According to Northwestern Mutual Planning & Progress Study Worried About Wealth: Gen X women report higher levels of financial anxiety about retirement preparedness “Generation Zeal:” Gen Z women plan to retire nine … [Read more…]
Gen X Women On Average Believe They Will Need Over $2 Million to Retire Comfortably – More Than Any Other Group of Women, According to Northwestern Mutual Planning & Progress Study Worried About Wealth: Gen X women report higher levels of financial anxiety about retirement preparedness “Generation Zeal:” Gen Z women plan to retire nine … [Read more…]
Outdoor living and entertaining spaces like patios can act as an extension of the home itself.
In fact, the outdoor-indoor living trend has dominated California home aesthetics for the past decades — and has gradually been adopted by luxury homes throughout the country.
But even if you don’t live in sunny Cali or own a million-dollar home, renovating or creating a patio can improve the look of your outdoor space, increase the value of your property, and provide a functional space for dining, relaxing, and other enjoyable activities.
Today, we’ll take a look at how you can successfully carry out a DIY patio renovation, to help you get your project off the ground.
Before you get started
Before carrying out a patio renovation, you will need some essential tools and materials. Make sure you have a shovel and/or rake, spirit or laser level, measuring tape, pen, tamper/compactor, and trowel.
If you’re creating a new patio space from scratch or carrying out extensive repairs, you’ll need a concrete mixer, screed, and possibly a wheelbarrow.
For the materials themselves, you’ll need either gravel or sand for the foundation, depending on your chosen patio material (e.g., concrete, pavers, gravel, or multiple). You will also need metal or plastic edging to hold the patio material in place, landscaping fabric to stop weeds growing beneath the surface of the patio, and epoxy resin for concrete if you need to bond concrete components or elements together. Epoxy resin can also be used for more minor repairs such as filling or bonding cracks together.
To work safely, make sure you also have protective gloves, safety glasses, a dust mask, and possibly knee pads for comfort if kneeling on hard surfaces.
Planning and designing your outdoor space
Photo credit: Irina88w | Dreamstime
Careful planning is important before starting a renovation project. Determine the purpose of the space — entertainment, relaxation, dining, or any combination.
Make a detailed blueprint of the outdoor space design, with measurements. Check your local building codes to determine if any permits are required, especially for larger or structural changes, or the installation of structures like fire pits, pergolas, or fences.
Based on your desired aesthetic and climate, choose the materials (e.g., concrete, gravel, stone, wood, etc). Consider any features like planters, built-in seating, water features, or planters. Mapping out any water lines, electrical outlets, or other utilities during the planning stage can prevent issues further down the line.
Choosing the right materials
There are plenty of material options for patios. Concrete is prized for its durability and versatility, while pavers offer a more classic look. A more natural, budget-friendly option is gravel/stones. For decking or pergolas, you will need wood.
To make sure your patio stays durable over time, choose long-lasting, weather-resistant materials. Your preferred aesthetic will also inform your choice of materials.
Preparing the ground and foundation
To properly prepare the ground for a solid foundation, you’ll first need to use a rake and/or shovel to clear the area of any grass, vegetation, or other debris. Shovels, trowels, tampers, and spirit/laser levels can help you to create a flat, stable base.
A layer of gravel or sand will provide drainage and also create a smooth surface for the patio materials. It’s important to use a foundation that matches your materials — think concrete for solid slabs or sand/gravel for pavers.
Installation techniques and tips
Photo credit: Ozgur Coskun / Dreamstime
For a concrete patio, use a mixer to mix the concrete. Pour it evenly across the prepared surface, level it with a screed, and smooth it with a trowel. You can even use molds or stamps if you want a decorative finish. To bond separate concrete elements, you can use epoxy resin.
For paver patios, make sure to lay each paver very carefully, leaving enough space for sand/gravel to fill in gaps. If you have a gravel patio, it’s important to use landscape fabric to prevent weed growth from underneath.
Finishing touches
Once your patio is dried and functional, you can personalize it with your own functional and/or decorative elements. Furniture like seating and tables is extremely popular, as are fire pits and fountains.
For ambiance, install lanterns, string lights, or even built-in lighting. Solar-powered lights are eco-friendly, energy-efficient, and can even switch on automatically when it gets dark outside.
When buying furniture and accessories, make sure that they are durable and weather-resistant enough to withstand outdoor conditions, or you’ll end up replacing them before too long!
Maintaining your patio
Maintenance is an important consideration once the project is complete. Regular cleaning and sweeping will keep it looking fresh, and you can even seal concrete or pavers to protect them from moisture and wear. It is also recommended to check for cracks once in a while — these can be repaired with epoxy resin.
The takeaway
The key steps for a successful patio renovation are getting hold of the right tools, planning, choosing the right materials, installing the patio, and maintaining it over time.
Although a DIY renovation can be a challenge, it can also be a rewarding activity. Take your time and be precise, and you will reap the rewards!
More stories
Chic outdoor décor: Why is wicker used for outdoor furniture?
From inside out: How the right windows can transform your home’s design
Outdoor living and entertaining spaces like patios can act as an extension of the home itself.
In fact, the outdoor-indoor living trend has dominated California home aesthetics for the past decades — and has gradually been adopted by luxury homes throughout the country.
But even if you don’t live in sunny Cali or own a million-dollar home, renovating or creating a patio can improve the look of your outdoor space, increase the value of your property, and provide a functional space for dining, relaxing, and other enjoyable activities.
Today, we’ll take a look at how you can successfully carry out a DIY patio renovation, to help you get your project off the ground.
Before you get started
Before carrying out a patio renovation, you will need some essential tools and materials. Make sure you have a shovel and/or rake, spirit or laser level, measuring tape, pen, tamper/compactor, and trowel.
If you’re creating a new patio space from scratch or carrying out extensive repairs, you’ll need a concrete mixer, screed, and possibly a wheelbarrow.
For the materials themselves, you’ll need either gravel or sand for the foundation, depending on your chosen patio material (e.g., concrete, pavers, gravel, or multiple). You will also need metal or plastic edging to hold the patio material in place, landscaping fabric to stop weeds growing beneath the surface of the patio, and epoxy resin for concrete if you need to bond concrete components or elements together. Epoxy resin can also be used for more minor repairs such as filling or bonding cracks together.
To work safely, make sure you also have protective gloves, safety glasses, a dust mask, and possibly knee pads for comfort if kneeling on hard surfaces.
Planning and designing your outdoor space
Photo credit: Irina88w | Dreamstime
Careful planning is important before starting a renovation project. Determine the purpose of the space — entertainment, relaxation, dining, or any combination.
Make a detailed blueprint of the outdoor space design, with measurements. Check your local building codes to determine if any permits are required, especially for larger or structural changes, or the installation of structures like fire pits, pergolas, or fences.
Based on your desired aesthetic and climate, choose the materials (e.g., concrete, gravel, stone, wood, etc). Consider any features like planters, built-in seating, water features, or planters. Mapping out any water lines, electrical outlets, or other utilities during the planning stage can prevent issues further down the line.
Choosing the right materials
There are plenty of material options for patios. Concrete is prized for its durability and versatility, while pavers offer a more classic look. A more natural, budget-friendly option is gravel/stones. For decking or pergolas, you will need wood.
To make sure your patio stays durable over time, choose long-lasting, weather-resistant materials. Your preferred aesthetic will also inform your choice of materials.
Preparing the ground and foundation
To properly prepare the ground for a solid foundation, you’ll first need to use a rake and/or shovel to clear the area of any grass, vegetation, or other debris. Shovels, trowels, tampers, and spirit/laser levels can help you to create a flat, stable base.
A layer of gravel or sand will provide drainage and also create a smooth surface for the patio materials. It’s important to use a foundation that matches your materials — think concrete for solid slabs or sand/gravel for pavers.
Installation techniques and tips
Photo credit: Ozgur Coskun / Dreamstime
For a concrete patio, use a mixer to mix the concrete. Pour it evenly across the prepared surface, level it with a screed, and smooth it with a trowel. You can even use molds or stamps if you want a decorative finish. To bond separate concrete elements, you can use epoxy resin.
For paver patios, make sure to lay each paver very carefully, leaving enough space for sand/gravel to fill in gaps. If you have a gravel patio, it’s important to use landscape fabric to prevent weed growth from underneath.
Finishing touches
Once your patio is dried and functional, you can personalize it with your own functional and/or decorative elements. Furniture like seating and tables is extremely popular, as are fire pits and fountains.
For ambiance, install lanterns, string lights, or even built-in lighting. Solar-powered lights are eco-friendly, energy-efficient, and can even switch on automatically when it gets dark outside.
When buying furniture and accessories, make sure that they are durable and weather-resistant enough to withstand outdoor conditions, or you’ll end up replacing them before too long!
Maintaining your patio
Maintenance is an important consideration once the project is complete. Regular cleaning and sweeping will keep it looking fresh, and you can even seal concrete or pavers to protect them from moisture and wear. It is also recommended to check for cracks once in a while — these can be repaired with epoxy resin.
The takeaway
The key steps for a successful patio renovation are getting hold of the right tools, planning, choosing the right materials, installing the patio, and maintaining it over time.
Although a DIY renovation can be a challenge, it can also be a rewarding activity. Take your time and be precise, and you will reap the rewards!
More stories
Chic outdoor décor: Why is wicker used for outdoor furniture?
From inside out: How the right windows can transform your home’s design
A circular home perched on a hillside in Los Altos Hills, California, got a modern makeover that anchored it firmly into the 21st century.
The architecturally distinct, 5,103-square-foot circular house was thoroughly renovated by San Francisco-based practice Feldman Architecture, to extraordinary results.
The extensive remodel brought the house down to its studs, completely rebuilding the geometrically unique structure to make the most of its prime location — on a hillside in Silicon Valley, surrounded by a lush nature reserve.
The end result is a beautiful enhancement of the house’s original form, one that delivered both a refreshed exterior design and inviting, contemporary living spaces that open to the surrounding nature.
Like Fancy Pants Homes’ content? Be sure to follow us on Google News
The owners fell in love with its unique architecture
Photo credit: Adam Rouse / Feldman Architecture
According to the architecture firm, the owners of the Los Altos Hills house fell in love with its quirky architecture and only had a modest remodel in mind for their newly purchased home.
However, after moving in, the need for a more comprehensive renovation soon became apparent. Apart from some dated living spaces, the house also featured low eaves that obstructed access to views.
They hired an award-winning design practice to breathe new life into the 1960s-built home
Photo credit: Adam Rouse / Feldman Architecture
They commissioned Feldman Architecture — an award-winning design practice recognized for creating warm, light-filled spaces that are site-sensitive and carefully crafted — to upgrade the home, now aptly named the Round House.
An extensive remodel transformed the circular house
Photo credit: Adam Rouse / Feldman Architecture
Built in the 1960s, the circular home’s original structure — referred to as the “doughnut house” — had an open-air courtyard in the center.
It “was really interesting and very awkward at the same time,” said Steven Stept, Project Principal. The public living areas faced the private wooded hillside, while bedrooms opened onto sprawling, exposed views of Silicon Valley.
The Round House’s central courtyard was turned into a kitchen with a skylight
Photo credit: Adam Rouse / Feldman Architecture
The original central courtyard, once open to the sky, was turned into the kitchen — fitting for the home’s residents, an aspiring baker and a family of food enthusiasts.
The award-winning kitchen now features a large circular skylight that streams daylight into the space, creating a makeshift sundial that illuminates different sections of custom, curved casework throughout the day.
Contemporary living spaces and an open floorplan define the interiors
Photo credit: Adam Rouse / Feldman Architecture
From the main entrance of the 5,103-square-foot home, visitors can effortlessly progress through the open-plan living room, kitchen, and spacious deck, which now feature a clean, decidedly contemporary design that makes each space more inviting and polished than the last.
Pie-shaped rooms provide privacy
Photo credit: Adam Rouse / Feldman Architecture
A concentric hallway traces the kitchen, leading to discreet pie-shaped rooms carefully arranged to separate private spaces from common areas.
See also: Revisiting The Domestead, a unique geodesic dome house in L.A.
Making the most of its 180-degree views
Photo credit: Adam Rouse / Feldman Architecture
An outdoor deck has been strategically carved out at the intersection of the living room and kitchen – framing sprawling views of the South Bay — which are also observed through the home’s generously sized windows.
They also added a wrap-around walkway to take in the views
Photo credit: Adam Rouse / Feldman Architecture
Not settling for the outdoor deck alone, they also added a wrap-around walkway which provides each of the bedrooms with outdoor access.
Seamless transition to the outdoor areas
Photo credit: Adam Rouse / Feldman Architecture
Tall, curved pocket doors vanish into the walls, creating a seamless indoor-outdoor connection. Meanwhile, outside, curved landscape walls radiate outward and blend into the thoughtfully designed softscape.
A challenging project, executed beautifully
Photo credit: Adam Rouse / Feldman Architecture
Due to the challenges posed by the house’s unusual circular form, the project team had to look for creative solutions at every step of the way.
Since most conventional solutions favor straight geometry, thinking out of the box was central to the renovation project, with the team constantly adapting to the constraints of the unique project.
The team behind the project
Photo credit: Adam Rouse / Feldman Architecture
While Feldman Architecture spearheaded the architecture and interior design aspects of the renovation — with Partner in Charge Stephen Stept and Anjali Iyer, Project Architect at the helm — the Round House’s stellar remodel was a team effort.
Baywest Builders served as the general contractor, Variegated Green handled the landscape design, with Lea + Braze Engineering (civil engineer), BKG Structural Engineers, Romig Engineers Inc. (geotechnical consultant), Tucci Lighting (lighting designer), Urban Tree Management (arborist) also contributing.
More stories
Menlo Park’s priciest home is a masterclass in indoor-outdoor living
Home of the Week: A dramatic Greek Temple-like villa in Berkeley with views worthy of Olympus
A jaw-dropping mid-century modern estate — inspired by Frank Lloyd Wright’s Fallingwater — breaks local record
A circular home perched on a hillside in Los Altos Hills, California, got a modern makeover that anchored it firmly into the 21st century.
The architecturally distinct, 5,103-square-foot circular house was thoroughly renovated by San Francisco-based practice Feldman Architecture, to extraordinary results.
The extensive remodel brought the house down to its studs, completely rebuilding the geometrically unique structure to make the most of its prime location — on a hillside in Silicon Valley, surrounded by a lush nature reserve.
The end result is a beautiful enhancement of the house’s original form, one that delivered both a refreshed exterior design and inviting, contemporary living spaces that open to the surrounding nature.
Like Fancy Pants Homes’ content? Be sure to follow us on Google News
The owners fell in love with its unique architecture
Photo credit: Adam Rouse / Feldman Architecture
According to the architecture firm, the owners of the Los Altos Hills house fell in love with its quirky architecture and only had a modest remodel in mind for their newly purchased home.
However, after moving in, the need for a more comprehensive renovation soon became apparent. Apart from some dated living spaces, the house also featured low eaves that obstructed access to views.
They hired an award-winning design practice to breathe new life into the 1960s-built home
Photo credit: Adam Rouse / Feldman Architecture
They commissioned Feldman Architecture — an award-winning design practice recognized for creating warm, light-filled spaces that are site-sensitive and carefully crafted — to upgrade the home, now aptly named the Round House.
An extensive remodel transformed the circular house
Photo credit: Adam Rouse / Feldman Architecture
Built in the 1960s, the circular home’s original structure — referred to as the “doughnut house” — had an open-air courtyard in the center.
It “was really interesting and very awkward at the same time,” said Steven Stept, Project Principal. The public living areas faced the private wooded hillside, while bedrooms opened onto sprawling, exposed views of Silicon Valley.
The Round House’s central courtyard was turned into a kitchen with a skylight
Photo credit: Adam Rouse / Feldman Architecture
The original central courtyard, once open to the sky, was turned into the kitchen — fitting for the home’s residents, an aspiring baker and a family of food enthusiasts.
The award-winning kitchen now features a large circular skylight that streams daylight into the space, creating a makeshift sundial that illuminates different sections of custom, curved casework throughout the day.
Contemporary living spaces and an open floorplan define the interiors
Photo credit: Adam Rouse / Feldman Architecture
From the main entrance of the 5,103-square-foot home, visitors can effortlessly progress through the open-plan living room, kitchen, and spacious deck, which now feature a clean, decidedly contemporary design that makes each space more inviting and polished than the last.
Pie-shaped rooms provide privacy
Photo credit: Adam Rouse / Feldman Architecture
A concentric hallway traces the kitchen, leading to discreet pie-shaped rooms carefully arranged to separate private spaces from common areas.
See also: Revisiting The Domestead, a unique geodesic dome house in L.A.
Making the most of its 180-degree views
Photo credit: Adam Rouse / Feldman Architecture
An outdoor deck has been strategically carved out at the intersection of the living room and kitchen – framing sprawling views of the South Bay — which are also observed through the home’s generously sized windows.
They also added a wrap-around walkway to take in the views
Photo credit: Adam Rouse / Feldman Architecture
Not settling for the outdoor deck alone, they also added a wrap-around walkway which provides each of the bedrooms with outdoor access.
Seamless transition to the outdoor areas
Photo credit: Adam Rouse / Feldman Architecture
Tall, curved pocket doors vanish into the walls, creating a seamless indoor-outdoor connection. Meanwhile, outside, curved landscape walls radiate outward and blend into the thoughtfully designed softscape.
A challenging project, executed beautifully
Photo credit: Adam Rouse / Feldman Architecture
Due to the challenges posed by the house’s unusual circular form, the project team had to look for creative solutions at every step of the way.
Since most conventional solutions favor straight geometry, thinking out of the box was central to the renovation project, with the team constantly adapting to the constraints of the unique project.
The team behind the project
Photo credit: Adam Rouse / Feldman Architecture
While Feldman Architecture spearheaded the architecture and interior design aspects of the renovation — with Partner in Charge Stephen Stept and Anjali Iyer, Project Architect at the helm — the Round House’s stellar remodel was a team effort.
Baywest Builders served as the general contractor, Variegated Green handled the landscape design, with Lea + Braze Engineering (civil engineer), BKG Structural Engineers, Romig Engineers Inc. (geotechnical consultant), Tucci Lighting (lighting designer), Urban Tree Management (arborist) also contributing.
More stories
Menlo Park’s priciest home is a masterclass in indoor-outdoor living
Home of the Week: A dramatic Greek Temple-like villa in Berkeley with views worthy of Olympus
A jaw-dropping mid-century modern estate — inspired by Frank Lloyd Wright’s Fallingwater — breaks local record
Do you want to learn how to start a travel blog? Starting a travel blog can be a fun journey that combines your love for travel and writing. You have the chance to share your adventures, tips, and personal stories with a wide audience. Starting a blog changed my life. When I began Making Sense…
Do you want to learn how to start a travel blog?
Starting a travel blog can be a fun journey that combines your love for travel and writing. You have the chance to share your adventures, tips, and personal stories with a wide audience.
Starting a blog changed my life. When I began Making Sense of Cents (the blog that you’re reading right now!), I had no idea that sharing my writing would lead to financial freedom and the ability to work from anywhere.
For nearly a decade, I’ve traveled full-time – by RV, sailboat, and plane – and it’s been an incredible way to live. Along the way, I’ve shared my experiences, travel tips, and stories, and it’s allowed me to connect with fellow travelers from all over the world.
Whether you want to turn it into a business, a career, or just a fun hobby, a travel blog lets you connect with other travelers and inspire them to explore new places.
Creating a travel blog doesn’t need to be expensive. With some basic steps, you can set up your blog and start sharing your travel experiences in no time. This guide will help you understand what you need to get started, from choosing a domain name to setting up your website and reaching your first readers.
Quick note: I have a free How To Start A Blog FREE Course you can click here to join. Join over 80,000 people who have already taken the course. 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.
My background with blogging
Over a decade ago, I started my blog, Making Sense of Cents, without much planning. I stumbled upon an article about a blogger and thought it would be fun to share details about my own life. At first, it was just a hobby with no real expectations.
I didn’t even realize you could make money from blogging back then. But around six months in, a blogger friend introduced me to my first advertiser, and I earned $100. That’s when I really started to see the potential.
Since then, my blog has grown far beyond anything I could’ve imagined, and I’ve earned more than $5,000,000 over the years. Blogging completely changed my life, giving me the freedom to work from anywhere.
What kept me going was my genuine love for everything related to blogging but also my love for travel. That passion made it easy to dedicate time and effort to grow the blog into what it is today, because I love running an online business that allows me to travel whenever and wherever I want.
Now, I’m excited to help you start your own blog and find success too.
What is a travel blog?
A travel blog is a website where someone shares their travel experiences, tips, and advice. The person who writes it, called a travel blogger, posts about the places they’ve been, activities they’ve tried, and things they’ve learned.
Many travel bloggers also give recommendations for places to stay, eat, and things to do. It’s a way to inspire and help others plan their own trips.
Travel blogs can focus on topics like budget travel, luxury trips, family vacations, solo adventures, and so much more.
Some examples of topics that a travel blog may cover include:
Destination guides – Detailed information on must-see attractions, hidden gems, and local tips for specific cities, countries, or regions
Travel itineraries – Pre-planned routes for weekend getaways, road trips, or long-term travel, outlining where to go and what to see
Local travel tips – Yes, you don’t need to travel by plane in order to be a travel blogger! You can write articles on things to do in your own town.
Budget travel tips – How to travel affordably, including finding cheap flights, budget accommodations, and saving money on food and activities
Solo travel – Tips and advice for solo travelers, including safety, making friends on the road, and building confidence while traveling alone
Family travel – Tips for traveling with children, including family-friendly destinations, packing lists, and keeping kids entertained (such as listing the top travel toys)
Adventure travel – Guides on activities like hiking, diving, surfing, and more, plus how to plan an adventure-focused trip
Cultural experiences – How to engage with local cultures, learn about traditions, and have authentic travel experiences
Travel gear reviews – Recommendations and reviews for travel gear like backpacks, luggage, cameras, and more
Traveling sustainably – How to reduce your environmental impact while traveling, from eco-friendly accommodations to responsible tourism practices
Travel photography tips – Advice on taking beautiful travel photos, including photography tips, gear recommendations, and photo spots
You can pick one or more of these topics to focus on. When you stick to one or two areas, it does help you become more known as an expert in that field, though.
Recommended reading: What Is A Blog, How Do Blogs Make Money, & More
Who can start a travel blog?
Anyone with a passion for travel can start a travel blog!
You don’t need to be a professional writer or photographer. You also don’t need to be a full-time traveler.
Starting a travel blog is a great way to document your adventures and connect with others. Whether you’re traveling full-time or just on weekends, your travel blog can become a helpful resource for other travelers.
Why should you start a travel blog?
Starting a travel blog has many benefits.
It lets you share your adventures with friends, family, and a worldwide audience.
You can also make money from your blog. If your blog gets popular, you can earn through ads, sponsored posts, or affiliate marketing.
Blogging can help you connect with other travelers. You may meet people who share your interests. This can lead to friendships and collaborations. I have met so many amazing people through my blog, which has been so nice over the years!
Having a travel blog is like having a digital scrapbook because you can look back and remember all of your trips, which I think is absolutely amazing. A travel blog kind of “forces” you to write down your memories and take pictures.
Starting a travel blog can be a fun and rewarding way to combine your love for travel with new skills and opportunities.
How To Start a Travel Blog
Below is how to start a travel blog and make money, step by step!
1. Choose a travel niche
Choosing a niche is the first step in starting a successful travel blog. A niche is a specific topic or focus area for your blog. Picking the right niche helps you stand out and attract readers who are interested in that topic.
Think about what you love most about travel. Do you enjoy food, adventure, or culture? Your niche could be anything from luxury travel to budget trips, or even solo adventures.
Another great idea is to think about who you want to help with your blog. Are you writing for families, couples, or solo travelers?
It’s also smart to see what’s trending. Wildlife travel, romantic getaways, and travel for digital nomads are popular niches right now. Research what’s trending and pick something that excites you.
Once you have your niche, you can create content that matches what your readers are looking for. This way, you make sure your blog is both fun to read and useful.
I recommend starting a self-hosted WordPress blog through Bluehost.
2. Start a self-hosted WordPress blog
To start a travel blog, you’ll need a blogging platform. WordPress is my favorite choice, and it’s what I use for my blog.
WordPress is where you create and manage your blog posts. It’s like the main hub for your blog. You can log in, write new posts, add pictures or links, and publish them for your readers. It’s a simple tool that makes running your blog easy. Plus, one of the best things about WordPress is that you don’t need to know how to code. It’s user-friendly and has lots of ways to customize your blog.
Here are the steps to start a self-hosted WordPress blog:
Get a web hosting service. A popular choice for new bloggers is Bluehost (you can start your own blog for as low as $1.99 per month).
Install WordPress. Most web hosts have a one-click installation to make it as painless as possible.
You can see my full tutorial for this at How To Start A WordPress Blog On Bluehost. There are step-by-step directions included here if you want more detail and/or want to see screenshots of the exact things you should click on.
Plus, if you use my tutorial, you can get the lowest pricing as well as a free domain name!
3. Pick a travel blog name
Deciding on a travel blog name is a big step. You want it to be fun and easy to remember. It’s also good to make it tell what your blog is about.
Here are some more tips:
Think about what makes your travels special. Are you an adventurer, a foodie, or a luxury traveler? Use that in your name.
Using “.com” is the best choice. It’s what most people type first.
Avoid names that are hard to spell or have numbers in them. Simple is best. You don’t want people to get confused or forget your name.
Before you decide, check if the name is available on social media. You’ll want the same name on Facebook, Pinterest, Twitter, Instagram, and other sites.
Take your time and have fun with it. Your blog name is the first thing people see, so make it catchy and memorable.
Don’t forget, you can get your domain name (your blog name) for free when you sign up for Bluehost! Click here to claim your free domain name.
4. Design your blog layout
With a travel blog, your site design is very important.
Your travel blog’s design and layout are important because readers like to see a clean and easy-to-navigate blog design. It makes it easier for them to find what they are looking for, and this helps to keep them on your site longer.
Plus, we’ve all seen a bad site design in the past, and when that happens, usually you don’t stay reading that blog for very long (right?!).
So, your blog design is important because you want readers to continue reading and to even come back in the future!
There are three options for designing your travel blog:
Creating your blog design yourself (DIY such as with paid or free themes)
Paying a blog designer for a custom site design
Buying a premade blog layout – this is what I recommend bloggers do!
Doing it yourself is usually the cheapest, but it can take a lot of time. Paying for a custom site design is usually fairly expensive.
My favorite option – I’m a big fan of simply buying a premade blog design. They are a lot more affordable than a custom design and look amazing. One premade blog design site that I recommend is Restored 316. Restored 316 is super easy to use and they have a lot of great blog design options, especially for travel blogs.
Please click here if you’d like to go the easy way and get an affordable premade blog design (this is what I recommend).
Here’s what my About page looks like.
5. Make important pages for your blog
To make your travel blog successful, start by setting up your main pages. These pages help your readers easily navigate your site.
Your important pages should include:
Homepage – This is the first impression visitors get of your blog. A clear and organized homepage helps readers quickly understand what your blog is about. Clearly state what your blog focuses on, such as destinations, travel tips, or itineraries, and provide links to your main sections.
About page – Share your story here and explain who you are, why you started traveling, and what kind of travel experiences you write about.
Contact page – Make it easy for readers, tourism boards, or brands to reach you by listing your email address.
Privacy Policy page – Outline how you collect and use data, especially if you collect any personal information. For legal templates, you can search for these online or buy a premade privacy policy here.
Disclosure page – If you earn money through affiliate links, sponsored trips, or partnerships, you need to be transparent about it.
6. Start social media accounts for your travel blog
Creating social media accounts can be super helpful for growing your travel blog.
Social media allows you to share your pictures, travel tips, and stories, making it easier for people to find your blog and follow your adventures.
Social media is especially helpful for a travel blog because it allows you to reach a larger audience and engage with readers in real time. Posting pictures and videos of your trips on Instagram or TikTok, for example, can inspire people to visit your blog for more detailed itineraries and travel advice.
The social media platforms you can start include:
Facebook
Pinterest
Instagram
Twitter
TikTok
You don’t have to be active on all of them, but claiming your blog name on each platform is a smart move to keep your brand name consistent. Then, I also recommend adding social media buttons to your blog so that readers can find you on social media from your blog.
7. Create a blog post plan
A blog content plan is a simple way to organize what you’ll write and post on your blog.
It helps you stay on track and reach your goals, like getting more readers or making more sales.
A good content plan includes a list of topics, post titles, when to publish, and the goal of each post (like promoting something or helping your readers).
It can also include keywords, picture ideas, and how you’ll share your posts. It’s basically a guide to keep your blog running smoothly and growing.
Your travel blog content plan doesn’t need to be complicated, though. It can be as simple as a list of trips or destinations you want to write about. How detailed you make it is up to you.
Here are some blog post ideas for a travel blog content plan:
10 Budget Travel Tips for Exploring the World
How To Plan the Perfect Weekend Getaway
How To Travel Abroad for the First Time: A Beginner’s Guide
Top 5 Must-Have Travel Apps You Need
How To Pack Light for a Two-Week Trip
How To Find Cheap Flights and Save Money on Airfare
10 Underrated Travel Destinations You Should Visit
Best Travel Hacks for Families with Kids
Top 5 Beach Destinations for a Relaxing Vacation
How To Travel Full-Time and Make Money on the Road
8. Write your first post
Writing your first post can be exciting and a bit scary. I think pretty much every blogger is a little nervous to share their first blog post – this is completely normal.
Here are some things to think about when writing a blog post:
You can easily start with an introduction. Tell your readers who you are and what your blog is about, and share a bit about why you love to travel.
After the introduction, get into the main content of your post. Share your travel experiences, tips, or plans.
Divide your post into short paragraphs because this makes it easier to read. Use bullet points or numbered lists to break up the text.
I also recommend that you include photos to make your post more appealing. Pictures of your travels can help bring your story to life. It is a travel blog after all, so readers most likely want to see pictures!
Then, I recommend that you end your blog post with a call to action. Ask your readers to leave comments or share your post with their friends.
Remember to proofread your post before publishing.
9. Find ways to make money with your travel blog
You can make money from your travel blog in many ways, such as:
Placing ads on your blog. Companies will pay you to show their banners or links. This can be a good way to earn an income.
Affiliate marketing is another great option. You can recommend travel gear, hotels, or tours and get a commission for every sale made through your links. It’s a win-win for both you and your readers. I have a free ebook to learn more – Affiliate Marketing Tips For Bloggers.
Sponsored posts can bring in extra money too. Brands might pay you to write about their products or services.
Selling digital products like travel guides or ebooks can also be profitable.
You could also sell paid memberships. Members could get access to exclusive content, special travel deals, or even a personal Q&A session with you.
Running webinars or online courses about travel planning can help you earn money. People love learning and are willing to pay for good advice.
Don’t forget about social media. You can get paid for sponsored posts or partnerships on platforms like Instagram and YouTube.
Freelance travel blog writing – There are websites, such as larger travel blogs, that will pay for content as well.
10. How to grow a travel blog
To get readers to your travel blog, you need to promote it.
Here are some ways to get pageviews on your blog:
Share your travel posts and photos on social media platforms like Facebook, Pinterest, and Instagram.
Guest post on other travel blogs. This can introduce you to new readers who are interested in travel.
Email marketing is one of my favorite ways to grow a blog. You can persuade readers to subscribe to your newsletter and send them updates and new travel posts regularly. If you are looking for a way to send newsletters or emails to your readers, I recommend Convertkit.
Use search engine optimization (SEO) techniques to help your blog appear in search results when people look for travel tips or destinations.
Create helpful video content: Many travelers love visual content, so creating travel vlogs or short clips on YouTube, Instagram, or TikTok can bring traffic to your blog.
Create downloadable resources. Useful resources like packing checklists, travel itineraries, or budget travel guides can get more readers to your blog.
My favorite guide that teaches many different strategies to grow your pageviews is 21 Strategies I Used to Increase My Monthly Page Views from 17k to 400k+ in 10 Months. If you are a new blogger, check out this resource! The author went from 17,000 monthly pageviews to 400,000 and shares all of her best tips in this guide.
Frequently Asked Questions
Starting a travel blog can be exciting and rewarding. Many people are curious about how to get started, the costs involved, and if it’s possible to make money. Here are some common questions about making money with travel blogging.
Do travel bloggers make money?
Yes, travel bloggers can make money. Many travel bloggers earn income through advertisements, affiliate marketing, sponsored posts, and selling products or services. Of course, not every travel blogger makes money, but some do.
How much does it cost to start a travel blog?
Starting a travel blog can be affordable. Here are some common expenses:
Domain name: About $10 to $15 per year
Web hosting: Around $3 to $10 per month
Initial costs can range from $50 to a few hundred dollars. You’ll spend more if you get a custom design or pay for freelance writers, though, of course.
Is travel blogging easy?
Travel blogging can be exciting but takes a lot of hard work when it comes to writing, photography, and social media. It involves:
Creating regular, high-quality posts
Promoting content on social media
Engaging with readers and other bloggers
It requires passion and dedication, but many find it rewarding.
What are the disadvantages of being a travel blogger?
While travel blogging has perks, there are challenges too, such as inconsistent income (earnings can vary month to month); it can be time-consuming (creating content and maintaining a blog takes a lot of time); it can lead to travel stress (constant travel can be exhausting); and privacy concerns (sharing personal experiences can sometimes feel invasive).
Who are the most popular travel bloggers?
Many successful travel bloggers have become well-known. Some of these include Nomadic Matt, Anna Everywhere, The Blonde Abroad, Expert Vagabond, Adventurous Kate, The Points Guy, Y Travel Blog, and Jessie on a Journey. There are many more travel bloggers, and then there are also travel Instagrammers, travel YouTubers, and more!
How To Start a Travel Blog – Summary
I hope you enjoyed this article on how to start a travel blog and make money.
I’ve been running this blog that you’re reading for quite some time now, and it’s one of the best decisions that I’ve ever made.
If you are thinking about starting a blog, I highly recommend trying it out! It can be done relatively affordably and all from home, so I think it’s worth the try.
Starting a travel blog is a fun way to share your adventures and connect with fellow travelers around the world. When I first began blogging, I had no idea it would lead to me being able to earn a full-time income and allow me to travel full-time. Whether you’re looking to turn it into a career or just want to share your travel tips and stories, creating a travel blog can open up new opportunities to explore the world and inspire others to do the same.
Reminder: I have a free How To Start A Blog FREE Course you can click here to join. Join over 80,000 people who have already taken the course. 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.
At the end of the year, when holiday celebrations and expressions of gratitude are in full swing, many people think about making a charitable donation. If you donate to a qualifying organization, not only can your funds do good, they may also be deductible when you pay your taxes.
Maybe it’s the animal shelter around the corner from your home, or perhaps it’s a scholarship fund at your alma mater that does amazing work. Whatever pulls at your heart and makes you feel like you’re doing the right thing can be a good cause for donations. The organization you give your money to benefits. Read on to learn if your contribution could also lower your tax bill.
What Qualifies as Charitable Giving?
In the eyes of the Internal Revenue Service (IRS), a charitable donation is a gift of money, property, or other asset that you give to a qualifying organization, known as a 501(c)(3).
To find out if an organization you’d like to support is eligible to receive tax-deductible contributions, you can search for it on the IRS’s database .
You may want to keep in mind that money or assets given to political campaigns or political parties do not qualify as tax-deductible donations. In fact, no organization that qualifies as a 501(c)(3) can participate in political campaigns or activities.
Organizations that engage in political activities without bias, however, can still sometimes qualify. So, a group can educate about the electoral process and remain within guidelines. They just have to go about it in a nonpartisan way.
Can I Deduct My Year-End Charitable Donation?
Currently, charitable donations could only be deducted by tax filers who itemized their deductions. That means that rather than take the standard deduction on their income tax return, they chose the more complicated path of listing all of their eligible expenses.
Recommended: 26 Tax Deductions for College Students and Other Young Adults
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How Much of a Charitable Donation Is Tax-Deductible?
The IRS sets limits on how much of a charitable contribution you can deduct from your taxes, and these are frequently updated. The amount is typically expressed in terms of the percentage of your adjusted gross income (AGI) that you may claim.
In 2024, this limit for cash contributions (say, money debited from your checking account) is 60% of a person’s AGI. The top figure is 20%-50% of AGI if you make a non-cash contribution, such as stock shares or a vehicle. The exact figure will vary with both the type of organization to which you are making the donation as well as the kind of item you are donating.
Of course, you are welcome to donate as much as you like. Just keep in mind that any charitable giving above those figures is not eligible for a deduction at tax time.
Recommended: How to Reduce Taxable Income for High Earners
Tips for Making End-of-Year Donations
To ramp up both the impact and benefit of a charitable donation, here are some strategies you may want to keep in mind:
Making a Timely Donation
Don’t lose track of your timing: The deadline for charitable donations is December 31. If you’re looking to deduct the donation in the current tax year, you will want to make sure your charity has ownership of whatever asset you are donating by the close of business on the 31.
You may also want to make sure that your preferred payment method is accepted by the charity so it doesn’t get kicked back and cause delays. Putting a reminder in your calendar for, say, mid-December can be a good way to make sure you don’t run late with your giving. (Of course, you also want to make sure you don’t miss the tax-filing deadline come April, either.)
Taking Advantage of Company Matching Programs
Your place of employment might have a matching program for charitable giving. They might, for example, match your donation amount dollar for dollar up to a certain amount. If so, it could significantly bump up the amount you could otherwise afford to give.
If you’re unsure about whether your company has a program, it can be worth reaching out to your HR department for further information.
Giving Rewards on Your Credit Card
If you are making a contribution on a budget, you might consider donating credit card rewards you earn, such as hotel points or airline miles. This can be a great way to use points or other rewards that would otherwise just expire. Many credit card companies, hotels, and airlines will make it easy to give your rewards to nonprofit organizations.
Donating Assets from Your Brokerage Account
If you’re looking to lower your taxes, you may want to consider donating assets from your brokerage account to a nonprofit. This may take some time and planning, but the benefits of donating an over-allocated position that’s outperforming can be worth it.
You may be able to receive tax advantages and rebalance your portfolio, while also helping an organization increase its assets.
Recommended: What Tax Bracket Am I In?
Setting up a Recurring Donation
You can get a headstart on next year by creating a recurring contribution now. Many organizations allow you to donate monthly through their websites using a credit card, so you might be able to earn rewards at the same time. By establishing your donation plans now, you won’t have to even think about end-of-the-year giving next year.
Keeping Good Records
If you want to deduct your donation on your taxes, you’ll want to make sure you have the right receipts to back up the transaction.
You’ll want to keep records of your donations. For cash donations under $250, you’ll either need a bank record (like a canceled check or bank statement) or a written acknowledgment from the charity which includes the date and amount of your contribution. (The exception is goods dropped off at, say, a clothing donation bin.)
For cash donations over $250, a bank record isn’t insufficient. Instead, you’ll need something in writing from the charity which includes the date and amount of your donation.
If you are making noncash donations valued at $500 or more, you’ll need to fill out one or more of the IRS Form 8283 . If the donation exceeds $5,000 in value (say, if you gift a car you no longer need to a favorite local organization), you’ll also need to get a written appraisal from a qualified appraiser. In addition, know that donations of $250 or more will also require what is known as a “contemporaneous written acknowledgment.” This is a document that describes the property, states whether the organization provided the donor with goods or services as a result of the contribution,and share an estimate of the value of any such goods or services provided.
Speaking with a Professional
Working with a personal accountant can help answer any questions you may have about how tax laws will impact your tax contribution, as well as help you make the most strategic and efficient charitable donation.
Recommended: Are 401(k) Contributions Tax Deductible? Limits Explained
The Takeaway
Giving can be a good idea for a number of reasons. In addition to helping a nonprofit organization meet its operating costs for the year, you can feel good about what you are doing with your money, and you may also benefit from tax deductions.
Giving can also help you get the new year started on the right foot. If you’re looking for other ways to get your financial life in order, consider a new bank account.
Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.
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FAQ
Should donations be deductible?
Charitable contributions are usually tax-deductible, but there can be limitations as well as exceptions, so it can be wise to inquire in advance. Contributions can often take the form of cash, artwork, cars, and other items of value.
Are charitable contributions no longer tax-deductible?
Charitable contributions can be tax-deductible. However, they must be claimed as itemized deductions; you would do so on Schedule A of IRS Form 1040. Keep in mind that there’s a limit on charitable cash contributions: For 2024, it’s 60% of the taxpayer’s adjusted gross income.
Can you deduct $300 in charitable contributions without itemizing?
The short answer is no. Currently, you must itemize charitable contributions in order to claim them as deductions.
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