With its rich industrial history, diverse cultural scene, and stunning riverfront views, Pittsburgh offers a unique blend of old-world charm and modern amenities. Considerations for residents include the city’s ever-evolving weather patterns and the abundance of outdoor recreational activities. So whether you’re searching for the perfect apartment in the heart of downtown Pittsburgh or eyeing a cozy rental house in the suburbs, you’ve come to the right place.
In this Apartment Guide article, we’ll cut to the chase, breaking down the pros and cons of moving to Pittsburgh. Let’s get started and see what awaits in the city of bridges and innovation.
Pros of living in Pittsburgh, PA
1. Rich cultural heritage
Pittsburgh boasts a rich cultural heritage, with a strong emphasis on the arts, music, and history. The city is home to world-class museums such as the Carnegie Museum of Art and the Andy Warhol Museum, offering residents a wealth of artistic experiences. Additionally, the Pittsburgh Symphony Orchestra and the Pittsburgh Opera provide top-notch performances for music enthusiasts. The city’s historical significance is also evident in its many landmarks and historic sites, allowing residents to immerse themselves in the rich history of the area.
2. Affordable cost of living
One of the major pros of living in Pittsburgh is its affordable cost of living. The average rent for a 2 bedroom apartment in Pittsburgh is only $1,712, less than nearby Philadelphia’s average rent of $1,925. Compared to other major cities, Pittsburgh offers residents a more budget-friendly lifestyle, with lower housing costs and overall expenses. This makes it an attractive option for individuals and families looking to stretch their dollars further and enjoy a comfortable standard of living without breaking the bank.
3. Vibrant neighborhoods
Pittsburgh is known for its diverse and vibrant neighborhoods, each with its own unique character and charm. From the trendy and bustling Strip District to the historic and picturesque South Side, residents have a wide range of neighborhoods to choose from, each offering its own distinct amenities and attractions. Whether you’re looking for a lively urban environment or a quiet suburban setting, Pittsburgh has a neighborhood to suit every lifestyle.
4. Outdoor recreational opportunities
For nature lovers and outdoor enthusiasts, Pittsburgh offers a plethora of recreational opportunities. With its proximity to the Allegheny Mountains and the three rivers that converge in the city, residents can enjoy a wide range of outdoor activities, including hiking, biking, kayaking, and fishing. The city’s numerous parks and green spaces provide ample opportunities for residents to connect with nature and stay active in the great outdoors.
5. Thriving food scene
Pittsburgh’s food scene is thriving, with a diverse array of culinary options to satisfy every palate. From trendy farm-to-table eateries to iconic diners and ethnic restaurants, the city offers a wide range of dining experiences. Residents can indulge in local specialties such as pierogies and Primanti Brothers sandwiches, as well as explore international cuisines from around the world, making Pittsburgh a paradise for food lovers.
6. Strong sense of community
Pittsburgh is known for its strong sense of community, with residents who take pride in their city and actively participate in local events and initiatives. The city’s tight-knit neighborhoods foster a sense of belonging and camaraderie, making it easy for newcomers to feel welcomed and integrated into the community. Whether it’s through neighborhood block parties, volunteer opportunities, or local support groups, Pittsburgh residents value the importance of connection and community.
7. Access to top-notch healthcare
Pittsburgh is home to world-renowned medical facilities and research institutions, providing residents with access to top-notch healthcare services. The University of Pittsburgh Medical Center system is highly regarded for its quality of care and innovative treatments, ensuring that residents have access to the best medical resources and specialists. This can offer peace of mind for individuals and families, knowing that they are in good hands when it comes to their health and well-being.
Cons of living in Pittsburgh, PA
1. Weather extremes
One of the major drawbacks of living in Pittsburgh is its weather extremes, with cold and snowy winters and hot and humid summers. Residents must be prepared to endure the harsh winter conditions, including heavy snowfall and freezing temperatures, as well as the sweltering heat and humidity during the summer months. This can be a challenge for those who prefer milder and more consistent weather throughout the year.
2. Industrial legacy
Pittsburgh’s industrial legacy is still evident in certain areas of the city, with remnants of its steel and manufacturing past. While the city has undergone significant revitalization efforts, some neighborhoods still bear the scars of industrial decline, including environmental concerns and urban blight. This can detract from the overall aesthetic and appeal of certain areas, impacting the quality of life for residents in those communities.
3. Limited job opportunities in certain industries
While Pittsburgh has a diverse economy, there may be limited job opportunities in certain industries, particularly those that are not as prominent in the region. This can pose a challenge for individuals seeking employment in specific fields, requiring them to explore job prospects in other cities or industries. Major employers in Pittsburgh include UPMC, the University of Pittsburgh, PPG, and PNC Bank. It’s important for residents to carefully consider their career options and the job market in Pittsburgh before making a decision to relocate to the city.
4. Higher taxes
One of the cons of living in Pittsburgh is the higher tax rates compared to some other cities. Residents may face higher property taxes, income taxes, and sales taxes, which can impact their overall financial situation. It’s important for individuals and families to factor in the tax implications when considering the cost of living in Pittsburgh and to plan their finances accordingly.
5. Traffic congestion
Pittsburgh can experience significant traffic congestion, especially during peak commuting hours and major events. The city’s hilly terrain and complex road systems can contribute to traffic bottlenecks and delays, impacting the overall commute experience for residents. It’s important for individuals to consider their transportation needs and preferences when choosing a neighborhood in Pittsburgh, taking into account the potential traffic challenges they may encounter.
Inside: Learn what 22 an hour is how much a year, month, and day. Plus tips to budget your money. Don’t miss the ways to increase your income.
You’re probably wondering if I made $22 a year, how much do I truly make? What will that add up to over the course of the year when working?
Is $22 an hour good?
Is this wage something that I can actually live on? Or do I need to find ways that I can increase my hourly wage? How much more is $22.50 an hour annually?
In this post, we’re going to detail exactly what $22 an hour is how much a year. Also, we are going to break it down to know how much is made per month, bi-weekly, per week, and daily.
That will help you immensely with how you spend your money. Because too many times the hard-earned cash is brought home, but there is no actual plan for how to spend that money.
By taking a step ahead and making a plan for the money, you are better able to decide how you want to live, make sure that you put your money goals first, and not just living paycheck to paycheck struggling to survive.
The ultimate goal with money success is to be wise with how you spend your money.
If that is something you want too, then keep reading. You are in the right place.
$22 an Hour is How Much a Year?
When we ran all of our numbers to figure out how much is $22 per hour is an annual salary, we used the average working day of 40 hours a week.
40 hours x 52 weeks x $22 = $45,760
$45,760 is the gross annual salary with a $22 per hour wage.
As of June 2023, the average hourly wage is $33.58 (source).
Let’s breakdown how that number is calculated
Typically, the average work week is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours.
Then, multiply the hourly salary of $22 times 2,080 working hours, and the result is $45,760.
That number is the gross income before taxes, insurance, 401K or anything else is taken out. Net income is how much you deposit into your bank account.
Very close to $46000 a year.
Work Part Time?
But you may think, oh wait, I’m only working part time. So if you’re working part time, the assumption is working 20 hours a week at $22 an hour.
Only 20 hours per week. Then, take 20 hours times 52 weeks and that equals 1,040 working hours. Then, multiply the hourly salary of $22 times 1,040 working hours, and the result is $22,880.
How Much is $22 Per Month?
On average, the monthly amount would average $3,813.
Annual Amount of $45,760 ÷ 12 months = $3,813 per month
Since some months have more days and fewer days like February, you can expect months with more days to have a bigger paycheck. Also, this can be heavily influenced by how often you are paid and on which days you get paid.
Plus by increasing your wage from $18 an hour, you average an extra $8000 per year. So, yes a few more dollars an hour add up!
Work Part Time?
Only 20 hours per week. Then, the monthly amount would average $1,906.
How Much is $22 per Hour Per Week
This is a great number to know! How much do I make each week? When I roll out of bed and do my job, what can I expect to make at the end of the week?
Once again, the assumption is 40 hours worked.
40 hours x $22 = $880 per week.
Work Part Time?
Only 20 hours per week. Then, the weekly amount would be $440.
How Much is $22 per Hour Bi-Weekly
For this calculation, take the average weekly pay of $880 and double it.
$880 per week x 2 = $1,760
Also, the other way to calculate this is:
40 hours x 2 weeks x $22 an hour = $1,760
Work Part Time?
Only 20 hours per week. Then, the bi-weekly amount would be $880.
How Much is $22 Per Hour Per Day
This depends on how many hours you work in a day. For this example, we are going to use an eight hour work day.
8 hours x $22 per hour = $176 per day.
If you work 10 hours a day for four days, then you would make $220 per day. (10 hours x $22 per hour)
Work Part Time?
Only 4 hours per day. Then, the daily amount would be $88.
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$22 Per Hour is…
$22 per Hour – Full Time
Total Income
Yearly Salary (52 weeks)
$45,760
Yearly Salary (50 weeks)
$44,000
Monthly Salary (173 hours)
$3,813
Weekly Wage (40 Hours)
$880
Bi-Weekly Wage (80 Hours)
$1,760
Daily Wage (8 Hours)
$176
Net Estimated Monthly Income
$2,911
**These are assumptions based on simple scenarios.
Paid Time Off Earning 22 Dollars an Hour
Does your employer offer paid time off?
As an hourly employee, you may or may not get paid time off.
So, here are the scenarios for both cases.
For general purposes, we are going to assume you work 40 hours per week over the course of the year.
Case # 1 – With Paid Time Off
Most hourly employees, get two weeks of paid time off which is equivalent to 2 weeks of paid time off.
In this case, you would make $45,760 per year.
This is the same as the example above for an annual salary making $22 per hour.
Case #2 – No Paid Time Off
Unfortunately, not all employers offer paid time off to their hourly employees. While that is unfortunate, it is best to plan for less income.
Life happens. There will be times you need to take time off for numerous reasons – sick time, handling an emergency, or even vacation.
So, let’s assume you take 2 weeks off without paid time off.
That means you would only work 50 weeks of the year instead of all 52 weeks. Take 40 hours times 50 weeks and that equals 2,000 working hours. Then, multiply the hourly salary of $22 times 2,000 working hours, and the result is $44,000.
40 hours x 50 weeks x $22 = $44,000
You would average $176 per working day and nothing when you don’t work.
$22 an Hour is How Much a year After Taxes
Let’s be honest… Taxes can take up a big chunk of your paycheck. Thus, you need to know how taxes can affect your hourly wage.
Also, every single person’s tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
Gross Annual Salary: $45,760
Federal Taxes of 12%: $5,491
State Taxes of 4%: $1,830
Social Security and Medicare of 7.65%: $3501
$22 an Hour per Year after Taxes: $34,938
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$34,938 ÷ 2,080 hours = $16.80 per hour
After estimated taxes and FICA, you are netting $16.80 an hour. That is $5.20 an hour less than what you thought you were paid.
This is a very highlighted example and can vary greatly depending on your personal situation. Therefore, here is a great tool to help you figure out how much your net paycheck would be.
Plus budgeting on a $16 an hour wage is much different.
Understand the difference between gross pay vs net pay.
$22 an Hour Salary
Now, you get to figure out how much you make based on your hours worked or if you make a wage between $22.01-22.99.
This is super helpful if you make $22.25, 22.40, or $22.66.
You are probably wondering can I live on my own making 22 dollars an hour? How much rent can you afford at 22 an hour?
We have figured out how much is $18 an hour annually is $45,760.
Using our Cents Plan Formula, this is the best case scenario on how to budget your $22 per hour paycheck.
When using these percentages, it is best to use net income because taxes must be paid.
In this example, we calculated $22 an hour was $16.80 after taxes. That would average $2,911 per month.
According to the Cents Plan Formula, here is the high level view of a $22 per hour budget:
Basic Expenses of 50% = $1455.74
Save Money of 20% = $582.30
Give Money of 10% = $291.15
Fun Spending of 20% = $582.30
Debt of 0% = $0
Obviously, that is not doable for everyone. Even though you would expect your money to go further when you are making double the minimum wage. So, you have to be strategic on ways to decrease your basic expenses and debt. Then, it will allow you more money to save and have fun money.
To further break down an example budget of $22 per hour, then using the ideal household percentages is extremely helpful.
recommended budget percentages based on $22 per hour wage:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$301
Savings
15-25%
$610
Housing
20-30%
$915
Utilities
4-7%
$191
Groceries
5-12%
$305
Clothing
1-4%
$38
Transportation
4-10%
$153
Medical
5-12%
$191
Life Insurance
1%
$15
Education
1-4%
$21
Personal
2-7%
$57
Recreation / Entertainment
3-8%
$114
Debts
0% – Goal
$0
Government Tax (including Income Taxes, Social Security & Medicare)
15-25%
$902
Total Gross Income
$3,813
**In this budget, prioritization was given to basic expenses. Thus, some categories like giving and saving were less.
Can I Live off $22 Per Hour?
At this $22 hourly wage, you are close to double the minimum wage. Things should be easy to live off this $22 hourly salary or about $45,000 a year.
However, it is still below the median income of over $60,000 salary. That means it can still be a tough situation.
Is it doable? Absolutely.
In fact, $22 an hour is higher than the median hourly wage of $19.33 (source). That seems backward, but typically salaried workers earn more per hour than hourly workers.
Can you truly live off $22 an hour annually?
You just have to be wiser (or frugal) with your money and how you spend the hard-earned cash you have been blessed with.
If you are constantly struggling to keep up with bills and expenses, then you need to break that constant cycle. It is possible to be smart with money.
You need to do is change your money mindset.
This is what you say to yourself… Okay, this is my season of life right now. I have aspirations and goals to change how much I make, but for now, I am going to make sure that I am able to live on my 22 dollars per hour. No going into debt for me. I will start saving money.
In the next section, we will dig into ways to increase your income, but for now, is it possible to live on $22 an hour.
Yes, you can do it, and as you can see that it is possible with the sample budget of $22 per hour.
Living in a higher cost of living area would be more difficult. So, you may have to get a little creative. For example, you might have to have a roommate. Move to a lower cost of living area where rent is cheaper.
Also, you must evaluate your “fun spending” items. Many of those expenses are not mandatory and will break your budget. You can find plenty of free things to do without spending money.
5 Ways to Increase Your Hourly Wage
This right here is the most important section of this post.
You need to figure out ways to increase your hourly income because I’m going to tell you…you deserve more. You do a good job and your value is higher than what your employers pay you.
Even an increase of 50 cents to $22.50 will add up over the year. An increase to $23 an hour is even better!
1. Ask for a Raise
The first thing to do is ask for a raise. Walk right in and ask for a raise because you never know what the answer will be until you ask.
If you want the best tips on how specifically to ask for a raise and what the average wage is for somebody doing your job, then check out this book. In this book, the author gives you the exact way to increase your income. The purchase is worth it or go down to the library and check that book out.
2. Look for A New Job
Another way to increase your hourly wage is to look for a new job. Maybe a completely new industry.
It might be a total change for you, but many times, if you want to change your financial situation, then that starts with a career change. Maybe you’re stressed out at work. Making $22 an hour is too much for you and you’re not able to enjoy life, maybe changing jobs and finding another job may increase your pay, but it will also increase your quality of life.
3. Find a New Career
Because of student loans, too many employees feel like they are stuck in the career field they chose. They feel sucked into the job that they don’t like or have the potential they thought it would.
For many years, I was in the same situation until I decided to do a complete career change. I am glad I did. I have the flexibility that I needed in my life to do what I wanted when I needed to do it. Plus I am able to enjoy my entrepreneurial spirit.
It is important to uncover what should I do for a living.
4. Find Alternative Ways to Make Money
In today’s society, you need to find ways to make more money. Period.
There is no way to get around it. You need to find additional income outside a traditional nine to five position or typical 40 hour a week job. You will reach a point where you are maxed on what you can make in your current position or title. There may be some advancement to move forward, but in many cases, there just is not much room for growth.
So, you need to find side hustle – another way to make money.
Do something that you enjoy, turn your hobby into a way to make money, turn something that you naturally do, and help others into a service business. In today’s society, the sky is the limit on how you can earn a freelancing income.
5. Earn Passive Income
The last way to increase your hourly wage is to start earning passive income.
This can be from a variety of ways including the stock market, real estate, online courses, book sales, etc. This is where the differentiation between struggling financially and becoming financially sound happens.
By earning money passively, you are able to do the things that you enjoy doing and not be loaded down, with having a job that you need to work, and a place that you have to go to. And you still make money doing nothing.
Here is an example:
You can start a brokerage account and start trading stocks for $50. You need to learn and take the one and only investing class I recommend. Learn how the market works, watch videos, and practice in a simulator before you start using your own money.
One gentleman started with $5,000 in his trading account and now has well over $36,000 in a year. Just from practice and being consistent, he has learned that passive income is the way for him to increase his income and also not be a slave to his job.
Related Question: How Fast Can you Make Money in Stocks? The Real Answer
Tips to Live on $22 an Hour
In this last section, grasp these tips on how to live on $22 an hour. On our site, you can find lots of money saving tips to help stretch your income further.
Here are the most important tips to live on $22 an hour. Highlight these!
1. Spend Less Than You Make
First, you must learn to spend less than you make.
If not you will be caught in the debt cycle and that is not where you want to be. You will be consistently living paycheck to paycheck.
In order to break that dreadful cycle, it means your expenses must be less than your income.
And when I say income, it’s not the $22 an hour. As we talked about earlier in the post, there are taxes. The amount of taxes taken out of your paycheck is called your net income which is $22 an hour minus all the taxes, FICA, Social Security, and Medicare are taken out. That is your net income.
So, your net income has to be less than your gross income.
2. Living Below Your Means
You need to be happy. And living on less can actually make you happier. Studies prove that less is better.
Finding contentment in life is one thing that is a struggle for most.
We are driven to want the new shiny toy, the thing next door, the stuff your friend or family member got. Our society has trained you that you need these things as well.
Have you ever taken a step back and looked at what you really need?
Once you are able to find contentment with life, then you are going to be set for the long term with your finances.
Here is our story on owning less stuff. We have been happier since.
3. Make Saving Money Fun
You need to make saving money fun. If you’re good, since you must keep your expenses low, you have to find ways to make your savings fun!
It could be participating in a no spend challenge for the month.
It could be challenging friends not to go to Target for a week.
Maybe changing your habits and not picking up takeout and planning meals.
Whatever it is challenge yourself.
Try the 100 envelope challenge to save $5000.
Find new ways of saving money and have fun with it.
Even better, get your family and kids involved in the challenge to save money. Tell them the reason why you are saving money and this is what you are doing.
Here are plenty of things to do with no money. Free activities without costing you a dime. That is an amazing resource for you and you will never be bored.
And you will learn a lot of things in life you can do for free. Personally, some of the best ones are getting outside and enjoying some fresh air.
4. Make More Money
If you want if you do not settle for less, then find ways to make more money. If you want more out of life, then increase your income.
You need to be an advocate for yourself.
Find ways to make more money.
It could be a side hustle, a second job, asking for a raise, going to school to change careers, or picking up extra hours.
Whatever path you take, that’s fine. Just find ways to make more money. Period.
Check out these low stress jobs that pay well without a degree!
5. No State Taxes
Paying taxes is one option to increase what you take home in each paycheck.
These are the states that don’t pay state income taxes on wages:
Alaska
Florida
Nevada
New Hampshire
South Dakota
Tennessee
Texas
Washington
Wyoming
It is very interesting if you take into account the amount of state taxes paid compared to a state with income taxes.
Also, if you live in one of the higher taxed states, then you may want to reconsider moving to a lower cost of living area. The higher-income tax states include California, Hawaii, New Jersey, Oregon, Minnesota, the District of Columbia, New York, Vermont, Iowa, and Wisconsin. These states tax income somewhere between 7.65% – 13.3%.
6. Stick to a Budget
You need to learn how to start a budget. We have tons of budgeting resources for you.
While creating a budget is great, you need to learn how to use one.
You do not have to budget down to every last penny.
You need to make sure your expenses are less than your income and that you are creating sinking funds for those irregular expenses.
Budget Help:
7. Pay Off Debt Quickly
The amount that you pay interest on debt is absolutely absurd.
Unfortunately, that is how many of these companies make their money from the interest you pay on debt.
If you are paying 5% to even 20-21% or higher, you need to find ways to lower that debt quickly.
Here’s a debt calculator to help you. Figure out your debt free date.
Make that paying off debt fast is your target and main focus. I can tell you from personal experience, that it was not until we paid off our debt that we finally rounded the corner financially. Once our debt was paid off, we could finally be able to save money. Set money aside in separate bank accounts and pay for cash for things.
It took us working hard to pay off debt. We needed persistence and patience while we had setbacks in our debt free journey.
Here are resources now for you to pay off your debt:
Jobs that Pay $22 an Hour
You can find jobs that pay $22 per hour. Polish up that resume, cover letter, and interview skills.
Job Search Hint: Always send a written follow-up thank you note for your interview. That will help you get noticed and remembered.
First, look at the cities that require a minimum wage in their cities. That is the best place to start to find jobs that are going to pay higher than the federal minimum wage rate. Many of the cities are moving towards this model so, target and look for jobs in those areas.
Possible Ideas:
Virtual Assistant – Get free training NOW!
Customer service representatives
Bank tellers
Freelance writers
Restaurant Kitchen staff
Truck driver
Uber /Lyft driver
Security guard
Movers
Warehouse workers
Companies that pay more than $22 per hour: Target, In-and-Out Burger, Panera Bread, Burger King, Costco, Wayfair, Amazon, Best Buy, Target, Wells Fargo, Disney World, Disney Land, Bank of America, JP Morgan, Cigna, Aetna
$22 Per Hour Annual Salary
In this post, we detailed 22 an hour is how much a year. Plus all of the variables that can impact your net income. This is something that you can live off.
How much is 22 dollars an hour annually…
$45,760
This is right between $45000 per year and $46k a year. In this post, we highlighted ways to increase your income as well as tips for living off your wage.
Use the sample budget as a starting point with your expenses.
You will have to be savvy and wise with your hard-earned income. But, with a plan, anything is possible!
Still thinking I don’t want to work anymore, you aren’t alone and need to start to plan for your early retirement.
Learn exactly how much do I make per year…
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Outdoor living spaces are extensions of our homes, offering a serene escape from the hustle and bustle of daily life. Whether you have a spacious patio on your rental home in Charlotte, NC, or a cozy balcony off your house in San Diego, CA, transforming these areas into inviting retreats can enhance your overall living experience. Here are some inspiring decor ideas to help you make the most of your patio and balcony spaces.
1. Comfortable seating
Consider a mix of seating options to cater to different activities and spaces. A large sectional sofa with weather-resistant cushions provides a comfortable spot for lounging, while a set of cushioned chairs and a coffee table create an intimate area for conversation. Flossie, with Super Mom Hacks, recommends mixing and matching other seating options for the best use of space. “When thinking about how to furnish your patio or deck, consider all the possible ways you might use the space and keep your choices versatile to match,” Flossie shares. “When we had a new enclosed porch built a few years ago, we wanted it to be an extension of our living room, so it’s got comfy seating, a small bookshelf, and a hammock that is perfect for curling up with a good book or taking a nap.”
For smaller balconies, bistro sets with foldable chairs are perfect for dining without occupying too much space. Hanging egg chairs or compact loveseats can add comfort without overwhelming the area. Multifunctional furniture, such as benches with built-in storage, helps maximize space, perfect for if you have a small balcony space off your studio apartment in NYC.
2. Greenery and plants
Greenery can transform any outdoor area into a lush retreat. Large potted plants or raised garden beds can serve as focal points, while vertical gardens and trellises covered with climbing plants like jasmine or clematis add height and visual interest.
Angie of Angie’s Roost notes that the power of plants and their containers can be harnessed to add magic to your balcony or patio. “Nothing brings a patio to life more than potted plants and the containers you use matter,” Angie notes. “Group plant pots that complement each other in the style you’re going for. A collection of timeless terracotta pots gives a classic cottage feel while sleek concrete planter cubes are more modern. If you’re looking for a more farmhouse-style look, fill galvanized containers with flowers.
Ang Paris, of Juggling Act Mama, recommends using railing planters and wall-mounted pots to save floor space, especially on balconies. “Transform your outdoor space with container gardening. It’s ideal for compact areas such as patios or balconies because you can maximize limited space,” Paris shares. “Whether you’re adding a tall planter, mini herb garden, or even window boxes, you can personalize your space by choosing containers and plants that reflect your own style.”
If you don’t have a green thumb, there is no need to worry. Amy of Genius Mom Hacks shares her tips for adding greenery without adding too much stress. “Unless you have a green thumb and are committed to daily watering, buy sturdy faux plants that are sun resistant so they will not fade, to bring immediate color to your patio. To me, this is one of the easiest ways to spruce up your patio/balcony/porch.”
3. Outdoor rugs and textiles
Outdoor rugs define different areas and add a pop of color and texture. Choose rugs made from durable, weather-resistant materials. Layering rugs can create a cozy, eclectic look. Add throw pillows and blankets in coordinating colors and patterns for comfort and style. Smaller rugs can make a significant impact on balconies, where vibrant patterns can add character. Outdoor cushions and throws soften hard surfaces and make the space more inviting. Ensure all textiles are designed for outdoor use to withstand the elements.
4. Lighting
Lighting sets the mood for your outdoor space and is very important, shares Jenifer Lea, founder and CEO of Entry Envy. “Ambient lighting is essential,” Lea exclaims. “Solar string lights or solar “up lights” in planters or dark corners will make the space feel more inviting and open.” Lanterns, both standing and hanging, also offer a warm, inviting glow. Solar-powered garden lights can highlight pathways and plantings, adding both functionality and beauty.
For balconies, string lights are an excellent choice due to their versatility and ease of installation. Battery-operated candles or small lanterns provide a cozy atmosphere. Consider wall-mounted sconces if there’s an electrical outlet, or use solar-powered options for an eco-friendly touch.
It’s important to note that with proper, bright lighting comes the necessity of keeping the space tidy, as light can highlight even the smallest of messes. Lea also shares that, “By keeping it clean, you will be able to enjoy your space more when it is tidy. Outdoor areas are challenging, but a little daily maintenance to minimize spider webs and dust can go a long way.”
5. Personal touches and accessories
Personalize your space with art and accessories that reflect your style. Crystal Allen, owner of Hello Creative Family, recommends using a mix of bold colors and neutrals to help reflect the space of your personality. “I love lots and lots of bright bold colors. Think about how you will be using your outdoor living space (dining, curling up to read a book, an outdoor office, entertaining, etc) and look for pieces that have maximum comfort for your needs in neutral color palettes,” Allen suggests. “Next, add all of your favorite colors with the accessories. Throw blankets, cushions, trays, flowers, plants, pots, outdoor rugs, table cloths, plates, napkins, and cups are all great ways to add pops of your favorite colors and personalize your space– and if your favorite colors change from year to year they are easier to swap out and replace than your large outdoor furniture pieces.”
Your personal preferences and individual needs matter as well when it comes to decorating. “Decorating a patio will completely depend on the amount of space, your budget, and where you live,” shares Jennifer with Crazy DIY Mom. “The necessities for my patio are comfortable furniture, plants, and a piece that creates sound. A wind chime or a water fountain is the perfect touch to help disguise neighborhood noise and create a calm environment for enjoying the outdoors.”
For those with front porches, Lilia Ramirez, with Modern House Numbers, recommends focusing on revamping curb appeal. “For those seeking to boost their curb appeal this summer, upgrading your address numbers is a great place to start,” Ramirez shares. “This essential detail not only helps emergency responders, delivery drivers, and guests locate your home, but it also offers an opportunity to enhance your exterior and showcase your personal style. Experiment with different fonts, finishes, and sizes to find the perfect look for your home.”
6. Functional additions
Incorporate functional elements that make your outdoor area a true extension of your home. Stacy Elmore, co-founder of The Luxury Pergola, recommends shade solutions like pergolas that can make the space comfortable even on hot days. “When decorating your patio or balcony, you have to think how people will use it and where people will congregate.
The biggest component that most people overlook when decorating their space is providing a cover from the scorching rays on a hot day, or rain that threatens a perfectly good gathering,” Elmore notes. “Covering a portion of your patio or balcony with a versatile shade solution is key to crafting a beautiful and functional space. An adjustable pergola, like the ones at The Luxury Pergola, is a great option as you can choose between sun or shade and get rain protection, all in one package.”
Consider installing a sound system for music and entertainment along with outdoor kitchen features like built-in grills or small, foldable tables for more elevated entertaining, dining, or even working. “A patio is used in both the day and night time so think about what would enhance your space in both of these situations,” Dustin Heiner shares. “Since you are most likely going to entertain friends in this space, add a small bistro table or bar cart to keep the drinks and snacks ready for guests.” Privacy screens or outdoor curtains can assist in creating a secluded retreat, shielding the area from neighbors and adding a sense of enclosure.
7. Avoid overcrowding
When decorating your outdoor space, it’s essential to avoid overcrowding. Nikki Lo with Hip and Home, recommends leaning into what the space already offers to avoid the space feeling too busy. “Patio styling is so much more than just sticking a table and chairs outside. Take advantage of other structural features your space might have, like a ceiling, roof, railing, etc. There are so many creative ways you can expand your patio decor beyond a table and chairs,” Nikki shares.
“With that being said, don’t overcrowd the space. There are tons of spots around your patio you can decorate, but that doesn’t mean you have to style every one of them. Make sure you and your guests have enough room to move around freely and remember to take into account other items you might have out while you’re entertaining, such as speakers, coolers, and extra seating.” Keeping a balance between decor and open space will make your patio or balcony feel more spacious and relaxing.
Create your perfect outdoor retreat
Whether you’re working with a sprawling patio or a modest balcony, thoughtful decor and functional elements can transform your outdoor space into a personal haven. By incorporating comfortable seating, lush greenery, vibrant textiles, and ambient lighting, you can create a stylish and inviting retreat perfect for relaxation and entertainment. Embrace your outdoor living area and let it become a true extension of your home, reflecting your style and enhancing your overall living experience.
Welcome to the charming city of Richmond, VA, where history meets modernity and southern hospitality is at its finest. With its cobblestone streets, historic architecture, and bustling arts scene, Richmond offers a unique blend of old-world charm and contemporary allure. Residents here enjoy a thriving culinary scene, picturesque parks, and a strong sense of community. Whether you’re drawn to an apartment in the downtown area of Richmond or a rental house in the peaceful suburbs, there’s something for everyone.
In this Apartment Guide article, we’ll cut to the chase, breaking down the pros and cons of moving to Richmond. Let’s get started and see what awaits in this historic and vibrant city.
Pros of living in Richmond, VA
1. Rich history and culture
Richmond is steeped in history and culture, offering residents a deep sense of heritage and tradition. From the historic cobblestone streets of Shockoe Bottom to the iconic Monument Avenue lined with statues of Confederate leaders, the city is a living museum of American history. The Virginia Museum of Fine Arts and the American Civil War Museum provide enriching experiences for art and history enthusiasts, while the city’s vibrant arts scene showcases local talent and creativity.
2. Outdoor recreational opportunities
With its proximity to the James River and the scenic beauty of the surrounding area, Richmond boasts an abundance of outdoor recreational opportunities. Residents can enjoy kayaking, paddleboarding, and tubing on the river, as well as hiking and mountain biking along the extensive trail system. The city’s numerous parks and green spaces, such as Maymont Park and Belle Isle, offer tranquil retreats for nature lovers and outdoor enthusiasts.
3. Culinary delights
Richmond’s culinary scene is a melting pot of flavors and influences, with a diverse array of restaurants, cafes, and food trucks to satisfy every palate. From Southern comfort food and barbecue joints to trendy farm-to-table eateries and international cuisine, the city’s dining options are as varied as they are delicious. The annual Beer, Bourbon, and BBQ Festival and Lebanese Food Festival celebrate the city’s culinary diversity, showcasing the talents of local chefs and artisans.
4. Affordable cost of living
One of the appealing aspects of living in Richmond is its relatively affordable cost of living compared to other major cities on the East Coast. The average rent for a 2 bedroom apartment in Richmond is $1,754, below the national median rent of $1,987. Housing options range from historic homes in charming neighborhoods to modern apartments in the bustling downtown areas, offering residents a variety of choices to suit their lifestyle and budget. The city’s lower overall cost of living allows for a comfortable and fulfilling life without breaking the bank.
5. Thriving arts and music scene
Richmond has a thriving arts and music scene, with a strong sense of community and creativity that permeates the city. The First Fridays Art Walk showcases the work of local artists and galleries, while live music venues like The National and The Broadberry host a diverse range of performances, from indie rock and hip-hop to jazz and blues.The annual Richmond Folk Festival showcases local musicians as well as larger national acts. The city’s support for the arts fosters a vibrant cultural landscape that enriches the lives of residents and visitors alike.
6. Access to higher education
Richmond is home to several prestigious colleges and universities, including the University of Richmond, Virginia Commonwealth University, and Virginia Union University. The presence of these institutions not only contributes to the city’s intellectual and cultural vibrancy but also provides opportunities for lifelong learning and personal growth. Residents have access to a wide range of educational and enrichment programs, as well as cultural events and lectures hosted by the local academic community.
7. Close-knit communities
Richmond is known for its close-knit communities and strong sense of neighborhood pride, fostering a welcoming and inclusive environment for residents. From the historic charm of Church Hill to the eclectic energy of Carytown, each neighborhood has its own distinct character and identity. The city’s strong community spirit is evident in the numerous local events, farmers’ markets, and neighborhood gatherings that bring people together and create a sense of belonging.
Cons of living in Richmond, VA
1. Humid climate and unpredictable weather
Richmond’s climate is characterized by hot, humid summers and mild winters, with occasional extreme weather events such as hurricanes and tropical storms. The high humidity levels can be uncomfortable for some residents, especially during the summer months, while the unpredictable weather patterns may pose challenges for outdoor activities and planning daily routines.
2. Traffic congestion and limited public transportation
Like many urban areas, Richmond experiences traffic congestion, particularly during rush hours and peak travel times. The city’s public transportation system, while improving, still has limitations in terms of coverage and frequency, making it less convenient for some residents to rely on public transit for their daily commutes. The lack of comprehensive public transportation options may contribute to traffic congestion and parking challenges in certain areas.
3. Limited job opportunities in certain industries
While Richmond has a diverse economy with a strong presence in sectors such as finance, healthcare, and government, some residents may find limited job opportunities in certain industries. The city’s job market may not be as robust in fields like technology and creative industries compared to larger metropolitan areas, which could pose challenges for individuals seeking employment in specific sectors. Major employers in Richmond include VCU Health Systems, Capital One Financial, Virginia Commonwealth University, and Dominion Energy.
4. Allergens and pollen levels
Richmond’s natural beauty and lush greenery come with a downside for allergy sufferers, as the city experiences high pollen levels during certain times of the year. Residents with allergies may find themselves affected by seasonal allergens, which can impact their overall well-being and quality of life, requiring them to take extra precautions and seek appropriate medical care.
5. Limited nightlife options
While Richmond has a vibrant arts and music scene, some residents may find the city’s nightlife options to be relatively limited compared to larger urban centers. The availability of late-night entertainment, bars, and clubs may not be as extensive as in other cities, which could be a drawback for those seeking a more robust nightlife experience.
Inside: How to become financially independent? This is something you want to read. Don’t worry — there are steps you can take and strategies you can use!
One of the biggest struggles for most people is how to become financially independent.
There are many different ways you can be more successful in your finances, but there really isn’t one perfect answer. It’s important to think about what your goals are and then develop a strategy that will help you achieve them.
However, you may feel lost on what to do now.
There is no one way to make a living and there are endless ways to do it.
The concept of becoming financially independent may feel impossible to reach.
But, I am here to tell you that becoming financially independent is easier than you think.
I want you to join me on an adventure where we explore how being financially independent doesn’t have to be a huge sacrifice in your life. Just imagine what you could do with all that free time, money, and energy!
In this post, I am going to break down how being financially independent can actually create an amazing way that you live your life.
Financial freedom is the reason for your desire to be financially independent.
What is Financial Independence?
Financial independence is when a person or family has achieved a high level of financial stability and money does not control their lives.
You are working towards financial freedom that is when your assets have reached a point in which you estimate they will cover all of your expenses for the remaining part of your life. There is no need to work unless you desire.
These terms are heavily intertwined in their meanings.
This is something most people haven’t achieved as they are constantly living paycheck to paycheck.
Overall, by becoming financially independent, you have more choices in life.
We will discuss how it’s possible to create a generous and financially independent lifestyle while also staying grounded in your values.
How to Become Financially Independent
Financial independence is the idea that you can be completely free from money becoming a factor in your life.
In order to achieve this, you must find ways to reduce debt while increasing retirement contributions and having money on hand for emergencies.
There are two simple steps to achieving financial independence.
1. What you Want to Do with your Life
This one may seem overwhelming for most people to think about. You are working to the grind just to make money and focused on how much I make a year.
Everyone dreams of living a financially free life, where honesty isn’t needed, emotional attachments aren’t needed, and money can just come into your bank account without you spending a single cent making it.
But creating such a life isn’t easy; to make it happen, the first step is to take stock of what you want to do in your life and find the ways to obtain the following:
Your most fulfilled you have ever been, whether it’s artistic or financial. The freedom of not needing to check in with anyone, not feeling guilty about spending money you worked for.
Your time to do the things you love, whether it’s with family or friends or travel
The best relationships that are healthy and supportive in your life
The best physical health and emotional well-being that you can find.
By making those things your priorities, then you start to design the life you want.
The concept of time freedom is something that will become more important to you as you move from becoming financially independent to ultimately reaching financial freedom.
To create a life of financial independence, it is important to take stock of what one wants in their life and find ways to obtain that.
2. Matching your Money to Desires
You must take personal responsibility for your own finances.
If you don’t make the changes to reach your financial goals, then you will be stuck on a hamster wheel.
For example, debt will hold you back. Period. Until you finally get out of debt, you are a slave to money.
Another example that happens many times is out-of-control spending. The inability to spend less money than you make.
There are many ways for people to become financially independent. You have to craft a plan to match your money to the life you desire.
One way is by living within your means, another is to start making money on the side.
Your lifestyle must match your desires and what you can truly afford.
These two steps are essential in achieving financial independence.
Ways to Become to Reach Financial Independence
Financial independence is the idea that you can achieve financial freedom and continue to work or stay home without worry. Achieving this goal starts with savings and reducing debt, as well as monitoring progress as you work toward your goals.
If you want to learn how to become financially independent in 5 years, then this is exactly what you need to do today.
Making it happen will take hard work but with positivity and willpower, you’ll get there!
1. Know Where You Stand Financially
The first step towards financial independence is to find out where you stand right now (spoiler alert: it might not be where you think it is).
If they are not at zero savings how were they able to get there?
This means you need to understand your net worth.
You determine your net worth by subtracting all of your debts from your assets.
If you have a significant amount of debt, then it is likely you will be starting with a negative net worth. That is okay! You can dig yourself out.
To become financially free, you need to reach a magic number with your liquid net worth to quit working and retire early.
2. Income is Less than Expenses
First, you need to write out your income.
Next, add up all of your monthly expenses.
Take your income minus your expenses.
If your expenses are greater than your income, you will never become financially free and will live stuck in a debt trap.
If your income is higher than your expenses, that is great news! Make sure you start saving money for your future self.
3. Budget
Budgeting is a core principle of financial wellness. Budgeting your money, using the snowball method, and saving for emergencies are all keys to becoming financially independent.
A budget is a tool used to help organize finances and plan for the future.
It can be as simple as writing down what you spend on food each week or as complex as creating a full financial picture of your life.
To create a budget, decide how much income you want to generate in one month and compare that amount to what you currently spend.
Start by listing all your income and expenses for at least the last six months. Then make a plan to tackle any problem areas.
4. Reduce Debt to become Financially Independent
Financial independence is when you have paid off all your debts and are living below your means. This gives you the freedom to do whatever you want, knowing that you don’t need anyone else’s help and are not a slave to debt.
Debtors should find ways to pay off their debt and avoid creating new debt in order to become financially independent.
Pay off your credit card balance before interest or late fees are charged
Avoid taking on any additional charges by using debit cards for purchases
Borrowers should build debt payments into the monthly budget
Debt is inescapable: Drowning and leaning on others until you pay off your debt for good.
5. Save Money
Whether you’re 26 or 66, saving is an integral part of becoming financially free.
This is how you become financially stable.
It’s never too late to start saving money or learn how to invest it in different places.
Enjoy one of these fun money saving challenges!
6. Understand Your Needs & Wants
Achieving financial independence is about creating a life with only needs and wants. It’s about getting rid of the things that make us feel inadequate or less important, like debt, credit cards, and wasting time on social media.
Needs are things like food, rent/mortgage, utilities, transportation, and clothing.
Wants are all the things that make us feel like we’re keeping up with the Joneses’ or how we spend without thinking.
Most people do not have a clue on what is a need and what is a want. Most wants fall into fun spending. A no spend challenge is great for discovering what is truly a need!
7. Spend Less Than you Make
Financial independence is the ability to create a generous, balanced life without relying on others for financial support. That cannot happen if your expenses are greater than your income.
It is about spending less than you make and saving the extra money from your budget at the end of every month.
Track your spending for a few months, then analyze it to find out where you can cut back or save more money.
Look at how can you cut expenses. This could be as simple as cutting back or drastic ways to cut expenses.
8. Create a Rainy Day Fund
Financial independence is a term used to describe a person who has enough wealth that they do not have to work for money. A rainy day fund will help you to achieve this.
A rainy day fund takes your emergency fund one big step further.
Experts agree that a rainy day fund should have at least 6 months’ worth of expenses saved up in case life goes south.
Ideally, money should be pulled from the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely.
9. Set Goals
Financial independence is a measure of personal finance that includes three components: financial goals, financial milestones, and knowing what you want your money to be used for.
You must set smart financial goals to become financially free.
Goals may depend on age and where you are in life. You must get clear about your vision for the future.
Ask yourself questions like:
How much should you have in your bank account?
What lifestyle do you want to enjoy? When is it achieved?
What your net worth should be.
Figure out what you need to do to reach your money goals.
10. Lifelong Learner
No matter how much you know, there is always room for more knowledge
Money, investments, and new technologies allow the possibility to grow your money exponentially. With a rich understanding of fiscal responsibility and a desire to progress, there are many ways to find financial liberation.
That happens by investing in learning about money, finances, and investing. Here are the best finance books I recommend.
Fastest Way to Become Financially Independent
It’s never too late to start investing in your financial independence. If you wait until the last minute, it will be difficult for you to make significant progress on your plan and stay on track with what needs to happen first.
You need to find ways to diversify your income and make more money.
That is the key for those who reach financial independence in 5 years or less.
Diversifying your income will help balance out how much money you make. You know the saying, “Don’t put all of your eggs in one basket;” the same holds true for your income.
This could be starting a side hustle that turns into a small business. Or freelancing your services. Even more important, learning how to make passive income in the stock market.
Stick around Money Bliss… We have lots of ways for you to make more money.
The Secret to Becoming Financially Independent
The secret to becoming financially independent is to take on one small financial challenge that will open up your eyes and help you understand the world of investing.
Investing is when you put money into stocks, bonds, or other low-risk investments that generate income without any work on your part. It’s called “passive” income because it happens without your involvement.
Investing in the stock market is one of the most common ways to invest, but there are other choices you might want to consider too. You can invest in bonds or look at real estate.
This is the secret of those who already have become financially independent.
How to Become Financially Independent from Parents
More than half of millennials over 21 are receiving financial help from a parent or guardian. However, many young people are beginning to realize that they can become financially independent from their parents by developing their own skills and connections in the workforce.
– Achieving personal independence is not always easy but does come with some benefits.
– It gives you more control over your life and allows you to pursue passions without feeling weighed down by debt or other obligations.
But, parents should also work on changes to help their children. For example, they can focus on showing proper money management skills and talking through financial decisions.
That way when high schoolers or young adults are ready to make their own financial decisions they have a strong foundation of knowledge of money.
How can young adults become financially independent?
Young adults are often advised to focus on building wealth in order to become financially independent.
Young adults must learn how to track expenses and make a budget.
Saving money needs to be a priority for them, so sharing housing with friends will lower expenses.
Young adults should also take into consideration their future income potential and consider whether or not they plan on continuing higher education after graduation.
What parents can do to encourage financial independence
Parents should encourage their children to become financially independent as it will benefit them in the future.
If parents always step in and solve problems, they may be preventing their kids from learning important skills that would allow them to meet their needs while putting off wants for the future.
This will only lengthen the amount of time needed to reach financial independence and this will eventually prevent an individual from reaching FI.
As parents, even if you have not been wise with money, teach those valuable lessons to your kids. Then, they can learn from your mistakes and change the trajectory of their lives.
Start Working toward your Financial Independence Today
Millions of Americans are financially dependent on someone else.
There is a lot to be said about financial independence and the perks that come along with it.
Do you want to avoid having a life of financial worry and debt?
There are numerous ways to become financially independent. Above, we have shared how to FI, ways to make financial independence happen faster, and the secrets to success.
Just to recap…
Budgeting can help you make sure you have enough income to achieve your financial goals.
Start by looking at areas of life that would be easiest for you to change, like your spending habits. The more you change how you spend, the easier it will be for that money to go farther and last longer.
If saving is another area that’s difficult for you, you might want to think about how much your spending is and then try to save that amount each week. Setting aside a specific chunk of money will make saving more manageable and help you meet the goal quicker.
Creating a generous lifestyle that includes leisure time and spending money on experiences over material things
Using the power of compounding interest
Living within your means.
Build wealth through investing in stocks, bonds, mutual funds, and other forms of investments.
In the long run, these principles will help you focus on what matters most to you so that your life is more meaningful and rewarding in general.
Now, learn how to become a millionaire with no money.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Have you been asking yourself, “Should I move to Madison, WI?” Known for its picturesque lakes, exciting cultural scene, and top-notch educational institutions, Madison offers a unique blend of small-town charm and big-city amenities. But is it the right move for you? In this article, we’ll explore the various aspects of life in Madison, helping you weigh the pros and cons to determine if this dynamic Midwestern city is your ideal new home. Let’s get started.
Madison at a Glance
Walk Score: 50 | Bike Score: 66 | Transit Score: 35
Median Sale Price: $425,000 | Average Rent for 1-Bedroom Apartment: $1,625
Madison neighborhoods | Houses for rent in Madison | Apartments for rent in Madison | Homes for sale in Madison
Pro: Access to beautiful lakes
Madison is surrounded by four stunning lakes, Lake Mendota, Lake Monona, Lake Waubesa, and Lake Kegonsa. This close proximity to water offers locals numerous recreational activities. Residents enjoy boating, fishing, and kayaking during the warmer months. The lakes also provide scenic views and serene spots for picnics. In winter, they transform into ice skating and ice fishing venues. This unique feature enhances the city’s charm and outdoor lifestyle.
Con: Harsh winters
One of the significant downsides of living in Madison is the harsh winter weather. The city experiences long, cold winters with heavy snowfall and frigid temperatures that can dip well below freezing. This can make daily commutes challenging and outdoor activities less enjoyable. Residents often have to invest in proper winter gear and prepare their homes and vehicles for the cold season. This can be a significant drawback for those unaccustomed to harsh winter conditions.
Pro: Access to high-quality education
Madison is home to the University of Wisconsin-Madison, a top-tier public research university. This institution offers a wide range of academic programs and has a strong reputation for research and innovation. The presence of the university also means that residents have access to various cultural and educational events, such as lectures, art exhibits, and performances. Additionally, the university’s libraries and resources are available to the public, providing a wealth of knowledge and learning opportunities.
Con: High cost of living
The cost of living in Madison is 4% higher than the national average. Housing prices, in particular, can be steep, especially in neighborhoods close to the university or downtown. Additionally, the cost of goods and services, including groceries and dining out, can be higher than the national average. This means residents may need to budget carefully to manage living expenses in this city.
Pro: Extensive biking trails
With a Bike Score of 66, Madison is known for its extensive network of biking trails. The city promotes cycling as a primary mode of transportation. Trails like the Capital City State Trail and the Southwest Commuter Path offer scenic routes for commuting and leisure. Additionally, the city’s bike-sharing program, BCycle, provides convenient access to bikes for short trips. This emphasis on cycling promotes a healthy and active lifestyle for locals and makes Madison a haven for cycling enthusiasts.
Con: Limited public transportation
While Madison does have a public transportation system, it’s not as extensive or efficient as those found in larger metropolitan areas. The bus routes can be limited, and service frequency may not be convenient for all residents, particularly those living in more suburban or outlying areas. This can make it challenging for individuals without a car to navigate the city and access essential services and amenities.
Pro: Thriving farmers’ markets
Madison hosts one of the largest producers-only farmers’ markets in the nation. The Dane County Farmers’ Market offers fresh, local produce and artisanal goods. It’s a community hub where residents gather weekly. The market supports local farmers and promotes sustainable living. It’s a beloved tradition that enhances the city’s local culture.
Con: Limited nightlife options
While Madison has a variety of bars and entertainment venues, its nightlife options can be somewhat limited compared to larger cities. The city’s smaller size means fewer options for live music, theater, and other late-night entertainment. This can be a significant drawback for those seeking a more vibrant nightlife scene.
Pro: Rich cultural scene
Madison offers a rich cultural scene with a variety of museums, theaters, and art galleries. The Overture Center for the Arts hosts Broadway shows, concerts, and other performances, while the Chazen Museum of Art features an impressive collection of visual art. The city also has a dynamic music scene, with numerous live music venues and annual events like the Madison World Music Festival. These provide locals with ample opportunities to enjoy and participate in the arts.
Con: Seasonal allergies
Madison’s lush environment can be challenging for those with seasonal allergies. Pollen levels can be high during spring and summer. This can cause discomfort and health issues for allergy sufferers. Managing symptoms sometimes requires medication and lifestyle adjustments for some. This can be a significant drawback for some individuals.
Madison is known for its strong sense of community and civic engagement. Residents are often involved in local events, volunteer opportunities, and neighborhood associations. The city hosts numerous festivals and community gatherings throughout the year, such as the Wisconsin Film Festival and the Great Taste of the Midwest beer festival. This sense of camaraderie and active participation helps foster a welcoming and inclusive atmosphere
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Combining finances with a partner can happen at any stage of your relationship, even if you’ve been married to your partner for a long time. It can be a great opportunity for a couple to get on the same page about what they want their financial future to look like, especially when it comes to big considerations such as child care, homeownership and retirement.
An academic study published in the Journal of Consumer Research in 2023 found that couples with joint bank accounts experience less financial conflict and greater harmony within their relationships. The study results indicated that couples who merged their finances had a strong sense of financial partnership. In contrast, couples with separate bank accounts tended to operate in a more “tit for tat” financial exchange.
If you and your partner feel like it’s time to combine your finances, here’s how you can work toward merging your money.
Taking the plunge on merging finances with your partner
Perhaps you’ve kept your finances separate out of convenience, but now you’re getting tired of making online transfers to your partner for every shared expense. Or maybe you’ve got a considerable expense coming up and you want to streamline your accounts.
Jen Mayer, an accredited financial counselor and founder of the Brooklyn, New York-based firm Fully Funded, often works with couples who are deciding whether to combine their finances after a long time together. The first thing she likes to do is retrace the couple’s steps.
“When helping these couples, we usually want to know why their finances weren’t merged originally,” Mayer says. “There may be some beliefs about money from someone’s childhood — like maybe their parents had a bad marriage with a lot of conflict around money — that led them to want to keep their finances separate. We have to work out those beliefs first.”
Once a couple is aware of potential hang-ups around money, they can communicate more about their money management, goals and expectations as they begin the merging process. They might find that shared bank accounts can make their lives easier, but they also might choose to partially merge their accounts and keep separate accounts as well so each partner can have independent spending money.
Ultimately, if you’re married, Mayer says, all of your money is in the same pot and belongs to both people. A couple just has to decide how they will manage it.
How to merge finances long after marriage
Track spending habits and consider making a budget. For some, the act of tracking income and expenses can bring up uncomfortable feelings.
“If someone hasn’t been tracking their spending, they might not want to know where their money is going,” Mayer says. “But that information is data, and knowledge is power. If you want to change things, you have to be able to make informed decisions with that data.”
Once you have details about your income versus expenses, you and your partner can decide how much you want to spend on groceries, dining out, clothes and more. You also might make bigger decisions, such as moving into a home with lower rent or buying a car with a monthly payment that you can more easily afford.
Discuss how you’ll split shared expenses. Couples rarely have equal incomes, but when you’re married, your household expenses become a shared responsibility. To avoid resentment, couples should discuss an equitable arrangement for how expenses will be paid and who is responsible for which financial tasks in the household. For example, if one partner makes twice as much money as the other, perhaps they’ll contribute double to household expenses.
Open a joint account or add your partner to an existing account. If you don’t have a shared checking or savings account, you can shop around for a new account or see if your bank will allow you to add a co-owner to an existing account. Keep in mind that co-owners each have full ownership of the account and can withdraw as much money as they see fit. You may want to set spending limits with each other so you’ll both be informed about big purchases and avoid potential overdrafts. For a shared savings account, you’ll want to look for a high-yield account that helps you earn as much interest as possible on your money.
As you navigate the world of shared finances, remember that a strong financial partnership starts with a commitment to honest communication, teamwork and shared goals. These values can help you maintain a solid foundation in your marriage, too.
Inside: Unlock the secrets to savvy spending with smart budgeting strategies. Explore techniques to stay within your financial limits and secure a stable future. Use these ways to ensure your budget works.
Budgeting isn’t just about crunching numbers – it’s a lifeline for your financial health.
Staying within set limits is essential because it helps prevent debt accumulation, allows for savings growth, and ensures that you’re prepared for both expected and unexpected costs.
You probably already know this, but you don’t like the idea of a budget! Especially when you need to know how to stop going over budget!
Think of a budget as a financial compass, guiding you through the sea of expenses without losing your way.
Quick Overview of What Smart Budgeting Entails
Smart budgeting is the smart play in the financial game, where you make your money work for you, not against you.
This involves understanding your income, neatly categorizing expenses, and planning ahead to ensure you spend less than you earn. By doing this, you create a buffer zone for saving and investing.
It’s a balance of discipline, foresight, and savvy financial planning that aligns with your unique lifestyle and goals.
Below, we will have tips on how you can ensure you don’t go over your budget.
Top Tips to Stick to Your Budget
1. Set Clear Financial Goals to Guide Your Spending Choices
Setting clear financial goals is like planting signposts along your fiscal journey. They guide your spending choices and keep you motivated.
Whether it’s a dream vacation, a new car, or an emergency fund, specific targets make it easier to resist needless spending and ensure every dollar is bringing you closer to what you truly want. Remember, a well-defined goal is a milestone waiting to be reached.
Check out the top smart financial goals!
2. Know Your Income
Understanding precisely how much money you bring home is the bedrock of smart budgeting. This is how to calculate your annual net income.
If you are planning to spend more money than you make, then that is a huge red flag.
You have to plan to budget less than your income. Knowing these numbers is crucial; it ensures that your budget is built on solid ground and not in financial quicksand.
3. Create a Realistic Expense List
Time to be realistic about what you spend. Look at your bank accounts and credit cards to know what you are truly spending and where.
Start by listing all your fixed costs such as rent, utilities, and insurance.
Then, add estimates for variable expenses like groceries and entertainment.
Be honest and avoid underestimating these costs; if anything, overestimate slightly to give yourself some wiggle room. This transparency with yourself prevents unpleasant surprises and helps cement a budget you can truly live with.
4. Adopt Zero-Based Budgeting to Allocate Every Dollar
Zero-based budgeting is like giving every dollar a purpose before it even hits your wallet.
With this strategy, your income minus your expenses should equal zero, which means you assign every dollar to savings, investments, or expenses. This meticulous approach ensures that you don’t have any money aimlessly floating around, which reduces the temptation to splurge.
Zero-based budgeting is the ultimate financial organizer, making sure no dollar goes to waste. One of the popular budgeting methods to use!
5. Practicing the 24-Hour Rule to Avoid Emotional Spending
Emotions can often lead to budget-busting spending sprees. However, by practicing the 24-hour rule, you combat those impulsive urges.
This is one of the simplest ways I don’t go over budget.
When you feel the temptation to make a non-essential purchase, commit to waiting a full day before taking out your wallet. This pause allows you to consider if the item is a necessity or just a fleeting desire. Reflecting on your financial goals during this cooling-off period often leads to wiser decisions and consistent, long-term savings.
6. Automate Savings and Bill Payments to Prevent Oversight
The marvels of modern banking can turn you into a financial ninja with minimal effort. By automating your savings and bill payments, you rid yourself of the worry of manual oversight.
It’s as simple as setting up automatic transfers to your savings account right after payday and scheduling auto payments for recurring bills.
This ensures your financial commitments are met before you even think of discretionary spending, keeping your savings plan on track and your credit history spotless.
It may take a few months for your budget to start working.
7. Embrace the Envelope System for Controlled Spending
The cash envelope system takes budgeting back to basics with a tactile and visual approach.
By dividing cash into envelopes labeled for different spending categories like groceries, entertainment, or eating out, you create a physical barrier to overspending. Once an envelope is empty, that’s your cue to stop spending in that category.
It’s straightforward yet powerful; the tangible aspect of seeing cash dwindle provides a stronger cue to curb spending than swiping a card ever could.
8. Utilize Apps and Online Tools for Regular Budget Review
These platforms make regular budget reviews less of a chore and more of a seamless part of your daily life.
Track your expenses in real-time, receive alerts when you’re nearing a budget limit, and gain insights into your spending habits with just a few taps on your screen.
This tech-savvy approach to budgeting not only simplifies the process but also empowers you to make informed decisions about your money on the go.
Find the best budgeting apps on the market today.
9. Mindful Spending Techniques
This is when you question the value proposition and encourage you to think before you buy.
Start by questioning the necessity and value of the item.
Will it enhance your life or clutter it?
Is this on social media as the “must-have” item?
Do you truly need it? Or is it a want?
Will the constant barrage of new items increase your happiness?
Also, practice gratitude for what you already own to minimize the allure of new purchases.
Mindful spending isn’t about deprivation; it’s about making more room in your life for financial peace and the things that truly matter.
10. Altering Lifestyle Choices
Altering your lifestyle to fit your budget might sound daunting, but it’s often the most effective way to ensure your spending doesn’t spiral out of control.
The first step is to be mindful of lifestyle creep.
Make mindful modifications like dining in more often, choosing staycations over expensive holidays, or opting for public transport over a personal vehicle. These changes don’t have to feel like sacrifices; view them as trade-offs for a more stress-free financial future.
Embracing a lifestyle that aligns with your budget paves the way to a richer (pun intended) life. Yes, debt free is the new rich.
11. Dealing With Unexpected Expenses Without Breaking the Bank
You turn around and are hit with an unexpected expense. It is the worst and I know something we deal with on a yearly basis at least.
Dealing with unexpected expenses can feel like navigating a financial minefield. To handle these without breaking the bank, initially aim to establish a rainy day fund with at least 10-20K of cash investments.
Start small, if necessary, and grow this fund over time. Should an unexpected expense arise, you can dip into this fund instead of derailing your budget. It’s your personal financial cushion, softening the blow of life’s surprises without causing a monetary meltdown.
12. When to Adjust Your Budget for Income and Lifestyle Changes
Life never sits still, and neither should your budget. If there’s a change in your income — maybe a raise or a job loss — it’s time to adjust your numbers. Similarly, lifestyle changes like a new family member or a big move call for a budget review.
Revisiting your budget whenever these changes arise ensures it remains tailored to your current circumstances. A budget that reflects your present situation is not only more realistic but also more sustainable.
The goal is to increase your savings percentage with any extra income coming in and forgo lifestyle inflation.
13. Keeping a Miscellaneous Line in Your Budget for Surprises
Life’s full of surprises, and some can hit your wallet unexpectedly. Keeping a miscellaneous line in your budget is like having an umbrella for a rainy day.
Set aside a small pot of money within your budget for these unforeseeable instances. If a surprise does pop up, you can cover the cost without dipping into other savings or spending allocations. This strategic buffer grants you financial flexibility and peace of mind.
Also, this can be used as fun money when times are tight.
14. Tracking Progress and Celebrating Small Wins
A budget is a living document, but it’s also a tapestry of your financial victories.
Tracking your progress is not just about ensuring compliance; it’s about recognizing and celebrating the small wins.
These accomplishments, such as paying off a credit card or sticking to your budget for a full month, build momentum and reinforce positive habits. Celebrate these successes—they’re the stepping stones to your larger financial dreams.
Plus, they’re great morale boosters that motivate you to keep going!
15. Find an Accountability Partner to Keep You in Check
Enlisting an accountability partner is like having a co-pilot on your financial journey. Choose a trustworthy friend or family member who understands your goals and is willing to help you stay on course.
Share your budget, your triumphs, and even your slip-ups with them. They can offer support, celebrate your victories, and gently nudge you back on track when needed.
Your accountability partner is a powerful ally, turning the often solitary act of budget management into a shared and sociable success story.
Frequently Asked Questions (FAQ)
To quickly create a budget you’ll stick to, use a reliable tool like YNAB to map out your income, essential expenses, savings, and discretionary spending for the next month. By clearly seeing where your money should go, adjusting as needed, and monitoring your progress, it becomes easier to adhere to your financial plan.
Keeping it simple and realistic from the start is the best foundation for budget commitment.
You might be exceeding your budget due to unrealistic limits, impulse purchases, or unexpected expenses. Prevent this by creating a realistic budget on what you already spend and creating a buffer for unanticipated costs.
Consistency and flexibility in your approach are key to staying within budget.
Accommodating irregular income requires a bit of foresight.
Start by budgeting based on your lowest-earning month to create a conservative baseline.
Save during higher-income periods to smooth out the leaner ones.
Continually adjust your spending priorities as your income fluctuates.
Also, maintain an emergency fund and categorize expenses by necessity to build a budget that’s both resilient and flexible.
Automated payments are a game-changer for sticking to your budget. They ensure bills and savings get paid first, reducing the risk of spending what you intended to save or forgetting due dates.
Setting up automatic payments may take a few hours and a few months to verify all of your bills are paid. But, something that is worth you doing.
Automation takes the guesswork out of financial commitments and helps you maintain a consistent savings habit.
How do I make sure I don’t go over my budget?
You are afraid to budget because you know you will go over your budget, right?
That mentally needs to change.
To ensure you don’t go over your budget, embrace the psychological trick of setting your spending plan slightly below what you can comfortably afford.
Convince yourself that this lower threshold is your maximum capacity, and any overages will merely tap into your deliberate buffer rather than causing financial strain. For example, if your income is $5000 per month, then budget $4000. That way you have a buffer to be (hopefully) saved at the end of the month.
This mindset, coupled with regular tracking, thoughtful spending, and strategic adjustments, can keep your finances firmly in the green.
One step closer to becoming financially stable.
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Located in the heart of the Midwest, Des Moines offers a unique blend of urban excitement and small-town charm. Known for its exciting arts scene, lush parks, and friendly neighborhoods, living in Des Moines means enjoying a community that values both culture and nature. Whether you’re exploring the bustling downtown area or taking a peaceful stroll along the Des Moines River, there’s always something to discover. So, if you’ve been asking yourself, “Should I move to Des Moines, IA?” you’re in the right place. In this article, we’ll explore the pros and cons of life in Des Moines to help you decide if it’s the perfect spot for your next adventure. Let’s go.
Des Moines at a Glance
Walk Score: 45 | Bike Score: 39 | Transit Score: 30
Median Sale Price: $210,000 | Average Rent for 1-Bedroom Apartment: $1,120
Des Moines neighborhoods | Houses for rent in Des Moines | Apartments for rent in Des Moines | Homes for sale in Des Moines
Pro: Affordable cost of living
One of the standout features of Des Moines is its affordable cost of living. The cost of living in Des Moines is 12% lower than the national average. Additionally, the median home sale price is about $200,000 less than the national average. Utilities, groceries, and healthcare costs are also relatively low. This affordability allows residents to enjoy a higher quality of life without the financial strain found in more expensive cities.
Con: Limited public transportation
With a Transit Score of 30, Des Moines doesn’t have an extensive public transit system. While Des Moines offers some public transportation options, they are relatively limited compared to larger metropolitan areas. The bus system, DART, covers the city but may not be as convenient for those living in suburban areas. This often necessitates owning a car, which can be a drawback for those who prefer or rely on public transit. Additionally, the lack of extensive public transportation can make commuting more challenging.
Pro: Exciting cultural attractions
Des Moines offers a rich array of cultural attractions, including the Des Moines Art Center and the Science Center of Iowa. The city also hosts the annual Des Moines Arts Festival, which attracts artists and visitors from all over the country. These cultural amenities provide residents with numerous opportunities for enrichment and entertainment, making the city a lively place to live.
Con: Harsh winters
Des Moines experiences harsh winters with heavy snowfall and freezing temperatures. The winter cold can last several months, making it difficult for those unaccustomed to cold weather. Snow removal can be a constant chore, and icy roads can make driving hazardous. These conditions can be a significant drawback for those who prefer milder climates.
Pro: Outdoor recreation opportunities
Des Moines offers numerous opportunities for outdoor recreation, with over 75 parks and numerous trails. Gray’s Lake Park and the High Trestle Trail are popular spots for walking, biking, and picnicking. The city’s commitment to green spaces provides locals with ample opportunities to enjoy nature and stay active. These outdoor amenities promote a healthy and active lifestyle for people living in the area.
For those who enjoy high-end shopping, Des Moines may feel somewhat lacking. While there are shopping centers like Jordan Creek Town Center, the options for luxury brands and designer stores are limited. Residents often have to travel to larger cities for a more extensive shopping experience. This can be a drawback for fashion enthusiasts and those who enjoy upscale retail therapy.
Des Moines is known for its strong sense of community and friendly residents. Neighborhoods often host events and gatherings, fostering a close-knit atmosphere. The city’s numerous community organizations and volunteer opportunities make it easy for residents to get involved. This sense of belonging and community support is a significant advantage of living in Des Moines.
Con: International air travel limitations
While Des Moines International Airport offers several domestic flights, it has limited international options. This can be inconvenient for frequent travelers or those who need to travel abroad for work or leisure. Residents often have to connect through larger airports, adding time and complexity to their travel plans. This limitation can be a drawback for those who prioritize easy access to global destinations.
Pro: Growing food scene
Des Moines has a burgeoning food scene with a variety of restaurants offering diverse cuisines. From farm-to-table eateries to international fare, the city’s culinary landscape is expanding. The Downtown Farmers’ Market is a popular spot for fresh, local produce and artisanal goods. This growing food scene provides locals with numerous dining options and culinary experiences.
Con: Limited entertainment options
While Des Moines offers some entertainment options, such as theaters and music venues, they are not as abundant as in larger cities. The variety of concerts, shows, and events can be limited, which may not satisfy those seeking constant entertainment. Residents may find themselves traveling to nearby cities for a broader range of activities. This can be a downside for those who thrive on a bustling entertainment scene.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Thinking about spending your college years in Virginia? You’re making the right call. This state is home to some of the most beloved college towns in the country.
From tech majors to aspiring artists, there’s a place for all in Virginia. Whether you’re an undergrad on the hunt for your first apartment in Richmond or a career academic looking for the perfect house in Charlottesville, you’ll find what you’re looking for in Virginia.
Let’s take a closer look at Virginia’s top college towns and uncover what makes each one stand out. From campus life to strong community ties, you’ll see why Virginia is the place to be for your college journey and beyond.
Charlottesville is home to the University of Virginia, renowned for its business, law, and medicine programs. The McIntire School of Commerce offers a top-tier undergraduate business program, consistently ranked among the best in the nation. The UVA School of Law is one of the oldest and most prestigious law schools in the country. The School of Medicine is also highly respected, particularly for its research in cancer, cardiovascular, and neurosciences.
The bond between the university and Charlottesville is evident throughout the town. The Downtown Mall, one of the longest pedestrian malls in the country, is a favorite spot for students and locals alike. Local businesses often collaborate with the university, offering internships and job placements that provide students with valuable real-world experience.
Apartments near University of Virginia | Houses for rent near University of Virginia
Blacksburg is where you’ll find Virginia Tech, famous for its engineering and computer science programs. The College of Engineering is one of the largest in the country, with programs that include aerospace, civil, and electrical engineering. The Department of Computer Science is known for its cutting-edge research in artificial intelligence, cybersecurity, and data analytics. Students also flock to the School of Architecture, known for its innovative approaches and strong emphasis on practical experience.
Virginia Tech and Blacksburg share a deep connection that enhances the college experience. The Virginia Tech Corporate Research Center hosts over 180 research, technology, and support companies, offering internships and co-op opportunities. The Moss Arts Center, a sizable venue, hosts performances that enrich the community culture.
Apartments near Virginia Tech | Houses for rent near Virginia Tech
Williamsburg is home to the College of William & Mary, known for its excellent programs in history, law, and business. The history program is particularly strong, leveraging the town’s rich colonial heritage for immersive learning experiences. William & Mary Law School, the oldest law school in the United States, offers students a rigorous and prestigious education. The Raymond A. Mason School of Business is highly rated for its undergraduate and MBA programs, emphasizing leadership and ethical business practices.
The college’s relationship with Williamsburg is a rare mix of academia and history. Colonial Williamsburg, a living history museum, offers students opportunities for internships and volunteer work, providing a deeper understanding of American history. The annual An Occasion for the Arts festival, sponsored by the college, brings together artists, musicians, and performers.
Apartments near William & Mary | Houses for rent near William & Mary
James Madison University (JMU) is known for its strong business and health sciences programs. The College of Business is nationally recognized, with standout programs in finance, marketing, and management. The Department of Health Sciences offers popular programs in nursing, dietetics, and athletic training. Students are also drawn by the School of Media Arts and Design, which provides hands-on learning in digital media, journalism, and graphic design.
The relationship between JMU and Harrisonburg is solid. The Gilliam Center for Entrepreneurship supports local startups, offering students real-world business experience. The collaboration with Sentara RMH Medical Center provides health sciences students with clinical placements and research opportunities. Additionally, the annual Harrisonburg International Festival, supported by JMU, celebrates the town’s commitment to fostering the next generation of artists.
Apartments near James Madison University | Houses for rent near James Madison University
Virginia Commonwealth University (VCU) is known for its arts and health programs. The School of the Arts is one of the most esteemed in the nation, offering programs in visual and performing arts. The VCU Medical Center is a leading healthcare facility, providing top-notch education and training in medicine, nursing, and dentistry. The College of Humanities and Sciences also stands out for its diverse range of programs, from psychology to forensic science.
VCU and Richmond are deeply intertwined, especially in the arts and healthcare industries. The Institute for Contemporary Art at VCU is a vector for modern art, where students can showcase their work and even meet with renowned artists. The medical school’s partnerships with local hospitals and clinics offer students extensive clinical experience. Additionally, the annual French Film Festival, hosted by VCU, attracts filmmakers and enthusiasts from around the world.
Fairfax is home to George Mason University, known for its programs in public policy, economics, and computer science. The Schar School of Policy and Government offers top-ranked programs in public administration and international relations. The Department of Economics is noted for its research in experimental and behavioral economics. The Volgenau School of Engineering is highly respected, especially for its cybersecurity and data analytics programs.
George Mason University and Fairfax benefit from a synergistic relationship. The university’s proximity to Washington, D.C., provides students with internship and job opportunities in government agencies and nonprofits. The Center for the Arts on campus hosts performances and exhibitions. The Mason Enterprise Center supports local entrepreneurs, offering resources and mentorship to students and community members.
Apartments near George Mason University | Houses for rent near George Mason University
Old Dominion University is known for its engineering and maritime programs. The Batten College of Engineering and Technology has programs in mechanical, electrical, and civil engineering. The Strome College of Business is also popular, with strong programs in management, marketing, and finance. Students interested in marine science can take advantage of the unique opportunities provided by the university’s coastal location.
Old Dominion University and Norfolk have a strong connection, especially with the maritime industry. The university’s partnerships with local shipyards and maritime companies provide students with hands-on experience and job opportunities. The International Maritime, Port, and Logistics Institute offers specialized training and research opportunities in marine science and technology.
Apartments near Old Dominion University | Houses for rent near Old Dominion University
Lexington is home to Washington and Lee University, known for its strong law and business programs. The School of Law is excellent, offering a rigorous curriculum and extensive clinical training. The Williams School of Commerce, Economics, and Politics is renowned for its programs in accounting, business administration, and economics. Students appreciate the small class sizes and personalized attention from faculty.
The university and the town of Lexington enjoy a close-knit relationship. Local businesses frequently hire students for internships and part-time jobs, providing valuable work experience. The Shepherd Poverty Program connects students with community service opportunities, addressing local issues.
Apartments near Washington and Lee | Houses for rent near Washington and Lee
Methodology
College towns are qualified as towns or cities with at least one college or university and fewer than 350,000 people according to U.S. Census data. Average rental data from Rent.com in May 2024.
This is not a comprehensive list of all of the towns and cities in the state meeting those requirements.