Summer breaks can feel like a pressure cooker for parents — it certainly feels like one for me. I’m tasked with working full time, keeping my pantry fully stocked, entertaining my energetic 6-year-old son and engaging him in learning activities.
But as summer ends, the pressure surrounding back-to-school shopping builds. I’m sure many parents can relate, especially with the recent increases in the cost of living, even though inflation is cooling.
According to NerdWallet’s 2024 back-to-school shopping report, those who are parents of K-12 or college students and who plan to do back-to-school shopping this year will spend $541, on average, on school supplies and clothing for their kids’ upcoming school year.
Four moms — including myself — with children of various ages share tips on how to shop for clothes and supplies on a budget. Even if you’ve already gotten a head start on shopping, these gems may still come in handy for next year.
Separate needs from wants if you have a larger family
Back-to-school supply lists can seem endless. When you do finally get to the end of the list, you may find that you’ve broken your budget. Kimyatta Williams, a day care owner from Atlanta, has a vibrant family with six children and has mastered staying within her budget by separating needs from wants. Williams’ oldest child is 23 and her youngest is 9, so she’s well-versed in back-to-school shopping.
“I can’t afford to get all these things on the list. So I’m making the priority to prioritize the needs from wants,” Williams says.
“So crayons versus markers. I’m not gonna buy both. They both do the same thing. So I may purchase the markers versus the crayons or I may purchase the big pack of 64 crayons versus the markers, especially at a grade level of a first grader or a second grader,” she adds.
Additionally, Williams attends back-to-school events, which usually give out free supplies. You can search for these events on Google, Eventbrite, Facebook or your local government’s website.
“When you’re a family size like mine, I can only do what I can. I make sure that they have everything they need for the first day to be successful in school,” Williams says.
Consider sustainable clothing if you have younger kids
Clothing can be a major expense for parents when their kids are going back to school. Gyna Uhrlass, an entrepreneur and content creator in Manhattan, New York, is a mother of three who focuses on using sustainable clothing options to help budget for clothing expenses.
She says one of the most frustrating things about back-to-school shopping for her is how expensive everything is, especially because of inflation. She finds that clothes and shoes are her biggest expense.
“My family is Caribbean. When I was growing up, we never did any hand-me-downs. Now that I’m older, I am all about hand-me-downs,” she says.
Uhrlass regularly gets used clothes from her friend who has a son a year older than hers.
“I have not had to buy a significant amount of clothes for him in years,” she says.
She also keeps the tradition within the family by keeping items like her older kids’ vests to pass down to her younger kids.
Set a budget and negotiate if you have older kids
Samantha Danielle Sharpe, a content creator and mother of three located in Nashville, Tennessee, has a home full of teenagers, ages 14, 16, and 18. Since her kids are older, she approaches back-to-school shopping by setting a budget and negotiating with them. However, that’s sometimes hard to do because of social media’s influence.
“I think there’s just a lot of pressure to get your kids so many different trendy items,” she says, adding that her daughter requested all pink supplies.
Sharpe tackles this issue by setting a budget for each of her children so they can learn to manage money and prioritize.
“As a single mom, I’m really honest with my kids. For me, it’s not just about the resources that I have. It’s about me wanting to make sure that I set my kids up for realistic expectations in life,” she says. “I don’t wanna set the expectation that everything that you want, you’re gonna always get.”
Other strategies Sharpe uses include following moms who share saving tips on social media and tapping into her community. Her family has a group chat where they post any items they aren’t using and share sales they come across.
“It may only be for like $100, $150, but it’s like my little reward back to myself for shopping for my kids,” she says.
Shop multiple sales and buy over time
I’m a single mom with one child who is going into the first grade this year. I opted to give myself one less thing to stress about by spreading out back-to-school shopping. I started buying my son new shoes — which he outgrows in a scarily short amount of time — during the summer. When buying household items in stores like Ross and Marshalls, I would also pick up a pair of sneakers from the sales rack because that tends to be my biggest expense after clothing.
As for clothes, I have also shopped between sales. Comparison-shopping has taught me that just because an item is on sale doesn’t mean that’s the best price. Also, I look for websites with deals on multipack shirts or shorts so I’m paying less per item.
I also pay attention to the clothing brands and materials I bought last year that held up and bought more of those items this time around. Having clothes that can withstand school activities that include slime, soil and Play-Doh has definitely saved me money over the past year.
Los Angeles is a city that promises endless opportunities, vibrant cultural experiences, and an enviable lifestyle. However, potential residents must weigh the benefits against the challenges, like traffic and high living costs. Not sure if Tinseltown is for you? Read on to find out what to expect if you’re considering a move to the L.A. area in 2024.
You know it from: La La Land, Mulholland Drive, Clueless
Average 1 bedroom rent: $2,588 | Los Angeles apartments for rent, Los Angeles houses for rent
Average home price: $1,098,000 | Los Angeles homes for sale
Average cost of full-service moving services: $140/hr for 2 movers
Average cost to rent a moving truck: $19 – $39/day
Top industries: Entertainment, Aerospace, Bioscience
Move here for: The weather, year-round outdoor recreation, the food, the arts
Be sure to bring: Your car and hiking boots or surf board
1. The weather is almost always perfect
Los Angeles is famous for its nearly perfect weather. With over 280 sunny days a year, it’s no wonder residents can enjoy outdoor activities year-round. The Mediterranean climate means mild, wet winters and hot, dry summers. Average temperatures range from 68°F in the winter to 85°F in the summer. It’s a city where flip-flops can be worn most of the year, and seasonal affective disorder is practically non-existent.
2. Traffic is a daily challenge
Los Angeles traffic is infamous and for a good reason. The city consistently ranks among the worst in the nation for traffic congestion. Commuters can expect to spend an average of 119 hours stuck in traffic annually. Peak hours can turn a 20-minute drive into a one-hour ordeal. Investing in a good podcast or audiobook subscription is almost a necessity for those long, slow drives.
Moving Tip: One of the best things you can do for your future L.A.-living self is to rent or buy close to work or school. Think about the locations your household will need to access often and try to find a home nearby.
3. Unique neighborhoods with distinct personalities
Each neighborhood in Los Angeles has its own distinct personality and charm. From the trendy boutiques and nightlife of Silver Lake to the luxurious homes and shopping in Beverly Hills, there’s a neighborhood to fit every lifestyle. Exploring areas like Venice Beach, Downtown LA, and West Hollywood can help new residents find the perfect fit.
Moving Tip: Your neighborhood and those that surround it will be an important part of your day to day life in L.A. because it can take so long to travel to other parts of the city. Make sure to do your research to find the area that will suit your lifestyle AND budget.
4. L.A. is a very expensive city to live in
Living in Los Angeles comes with a hefty price tag. The cost of living is 50% higher than the national average, with housing being the biggest expense. Median home prices are over $1 million, and rent for a one-bedroom apartment averages more than $2,500 per month. While high salaries in certain industries can offset these costs, budgeting and financial planning are crucial for anyone considering a move.
Moving Tip: Most recent transplants to the city note that living in L.A. is probably more expensive than you expect. Yes, housing is expensive but so are other necessities like food, gas, and entertainment so make sure your budget is realistic before moving to the city.
5. So MANY outdoor activities you can do (mostly) year round
Outdoor enthusiasts will find plenty to love in Los Angeles. From hiking in Griffith Park and Runyon Canyon to surfing in Malibu and Santa Monica, the city offers a wide range of activities. The Pacific Coast Highway provides breathtaking coastal drives, and spots like the Venice Beach Boardwalk are perfect for biking, rollerblading, or simply people-watching.
6. A multi-cultural melting pot
Los Angeles is one of the most diverse cities in the world. With significant populations from Latin America, Asia, and beyond, the city is a cultural melting pot. Neighborhoods like Koreatown, Little Ethiopia, and Chinatown offer unique cultural experiences and cuisines. This diversity enriches the city’s arts, festivals, and daily life, making it a vibrant place to live.
7. One word: Hollywood
Los Angeles is synonymous with Hollywood, making it the epicenter of the entertainment industry. The city is home to major film studios, production companies, and countless opportunities in acting, writing, directing, and more. Iconic spots like the Hollywood Walk of Fame and the TCL Chinese Theatre are just the tip of the iceberg for film and television enthusiasts.
Moving Tip: You will see celebrities out and about in L.A. If you want to seem like a true Angeleno, practice looking nonchalant in the face of mega stars.
8. Competition for housing is high
The housing market in Los Angeles is highly competitive. Homes and apartments can be snapped up within days of being listed. Prospective renters and buyers should be prepared to act quickly and often need to offer more than the asking price. Working with a knowledgeable L.A.-based real estate agent can be invaluable in navigating this fast-paced market.
9. Get your fitness on
Los Angeles residents are known for their health-conscious lifestyles. The city is filled with yoga studios, gyms, and outdoor fitness classes. Vegan and organic food options are widely available, with restaurants like Café Gratitude leading the charge. The city’s focus on wellness and fitness is evident in its numerous hiking trails, outdoor activities, and health food markets.
10. Incredible educational opportunities
Los Angeles boasts a range of educational institutions, from top-rated public schools to prestigious universities like UCLA and USC. The city also offers specialized schools in arts, technology, and trades. Parents and students alike have access to a variety of educational resources and extracurricular activities that cater to diverse interests and career paths.
11. Diverse food scene
Los Angeles is a food lover’s paradise. The city’s diversity is reflected in its culinary offerings, from authentic street tacos in Boyle Heights to high-end sushi in Little Tokyo. Farmers’ markets, like the one at The Original Farmers Market, provide fresh, local produce year-round. Food trucks are also a big part of the culture, offering gourmet meals on wheels across the city.
Moving Tip: L.A. has some of the best asian food and tex-mex in the country so come hungry!
12. World-class music scene and museums
The arts and music scene in Los Angeles is thriving. The city is home to world-class museums like The Getty Center and LACMA. Music venues like the Hollywood Bowl and the Troubadour host performances from top artists and emerging talents. Art walks, street performances, and film festivals are regular occurrences, providing endless entertainment options.
13. Public transportation is improving but still very limited
The Los Angeles Metro is expanding, with new lines and extensions regularly added. L.A.’s TransitScore is only 53, which means it’s still not as comprehensive as in other major cities. While downtown and some neighborhoods are well-served, many areas still require a car for convenient travel. The Metro Expo Line connects downtown to Santa Monica, making beach trips more accessible, but overall, a car remains essential for most residents.
14. Close proximity to nature and weekend getaways
Los Angeles offers easy access to a variety of natural landscapes and weekend getaway options. The city is just a short drive from the beaches of Orange County, the mountains of Big Bear, and the deserts of Joshua Tree. This proximity to diverse environments makes it easy to escape the urban hustle and enjoy the great outdoors.
Methodology: Average rent prices sourced from Rent.com July 2024. Home prices sourced from Redfin July 2024. Average moving costs sourced from MoveBuddha. Employment data sourced from Grand LA.
In recent years, the rise of digital lenders like SoFi and Ally has transformed the lending landscape, offering borrowers new options for obtaining loans quickly and conveniently. But what sets these digital lenders apart from traditional banks and credit unions? And how can you navigate the process of shopping for a loan with them?
In this guide, we’ll explore everything you need to know about securing a loan from digital lenders, including the pros and cons, and key differences compared to traditional lenders.
Understanding Digital Lenders
Digital lenders are financial institutions that operate primarily online, offering a variety of loan products including personal loans, student loans, mortgages, and auto loans. Unlike traditional brick-and-mortar banks, digital lenders often boast streamlined application processes, competitive interest rates, and innovative features designed to appeal to tech-savvy consumers.
Shopping for a Loan with Digital Lenders
When shopping for a loan from digital lenders, it’s essential to approach the process with careful consideration and research. Here are the steps to follow:
1. Determine Your Loan Needs
Before you begin comparing loan options, take some time to assess your financial situation and determine your borrowing needs. Consider factors such as the loan amount you require, the purpose of the loan, your credit score, and your preferred repayment terms.
2. Research Lenders and Loan Products
Research digital lenders to compare their loan offerings, interest rates, fees, and eligibility requirements. Pay attention to customer reviews and ratings to gauge the lender’s reputation and customer service quality.
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3. Get Prequalified
Many digital lenders offer prequalification tools that allow you to check your eligibility and estimated loan terms without impacting your credit score. Take advantage of these tools to get a sense of the loan options available to you and compare offers from multiple lenders.
4. Compare Loan Terms
Once you’ve received prequalification offers, carefully compare the loan terms, including interest rates, loan amounts, repayment terms, and any fees associated with the loan. Consider how each offer aligns with your financial goals and choose the option that best meets your needs.
5. Submit Your Application
After selecting a lender and loan product, submit your loan application through the lender’s website or mobile app. Be prepared to provide personal and financial information, including your income, employment history, and identification documents.
6. Review and Accept the Loan Offer
If approved for the loan, carefully review the loan agreement, including the terms and conditions, interest rate, repayment schedule, and any fees or penalties. Once you’re satisfied with the terms, electronically sign the agreement to accept the loan offer.
Pros and Cons of Digital Lenders
At a glance, here are the pros and cons of working with a digital lender.
Pros:
Convenience: Digital lenders allow you to complete the entire loan application process online, from prequalification to funding, without the need to visit a physical branch.
Competitive Rates: Many digital lenders offer competitive interest rates and fees, making them an attractive option for borrowers seeking affordable financing.
Quick Approval: Digital lenders often use automated underwriting processes to expedite loan approvals, allowing borrowers to receive funding quickly, sometimes within a few business days.
Innovative Features: Some digital lenders offer innovative features such as flexible repayment options, financial education resources, and member benefits like career coaching and networking events.
Cons:
Limited Branch Access: Unlike traditional banks, digital lenders typically do not have physical branch locations, which may be a drawback for borrowers who prefer in-person banking services.
Less Personalized Service: Digital lenders may offer less personalized customer service compared to traditional banks, as interactions are primarily conducted online or over the phone.
Eligibility Requirements: Digital lenders may have stricter eligibility requirements or credit criteria than traditional lenders, making it more challenging for some borrowers to qualify for loans.
Key Differences from Traditional Lenders
Digital lenders differ from traditional lenders in several key ways:
Online-Only Operations: Digital lenders operate exclusively online, offering a fully digital loan application and funding process.
Technology-driven Approach: Digital lenders leverage technology and data analytics to streamline loan underwriting, approval, and servicing processes.
Focus on Customer Experience: Digital lenders prioritize delivering a seamless and user-friendly customer experience through intuitive online platforms and responsive customer support.
Innovative Products and Services: Digital lenders often offer innovative loan products and services designed to meet the evolving needs of modern borrowers, such as student loan refinancing, debt consolidation, and personalized financial planning tools.
In conclusion, shopping for a loan from digital lenders like SoFi and Ally offers borrowers a convenient and efficient way to secure financing for various purposes. By following the steps outlined in this guide and carefully weighing the pros and cons, you can find the right loan product and lender to meet your financial needs.
When checking out at a store, you might be prompted to select whether you want the purchase processed as a credit or debit card transaction. Some debit cards with a credit card network logo can be processed as a credit payment, but the reverse — processing a credit card as a debit transaction — isn’t possible.
Still, it can make sense to use credit cards like a debit card. Understanding the difference between a credit card and debit card can help you to make strategic purchasing decisions with your credit card.
Recommended: What is a Charge Card
Can You Use a Credit Card Like a Debit Card?
In terms of being a convenient, cashless payment method, a credit card can be used in-person or online in a similar way as a debit card. Credit cards require you to insert, swipe, or tap the card on a payment processing device to initiate a transaction. If used online, you can enter your credit card information into the payment field at checkout in the same way you would with a debit card payment.
However, there are also significant differences between a credit card and debit card. The most notable distinction is where the funds come from. When you use a credit card, the money is drawn from your card’s available credit line, and you might get charged additional fees and interest on your purchase.
In contrast, a debit card draws the funds you already have in an associated checking or savings account. Also, in certain situations where the final total amount might vary, such as at the gas pump, the processor might request that your card issuer place a temporary hold on your debit card funds to ensure you have enough funds to cover the transaction.
Recommended: How to Avoid Interest On a Credit Card
Reasons You May Want to Use a Credit Card Like a Debit Card
Although credit cards offer numerous advantages when used responsibly, there are valid reasons to prefer using a credit card as a debit card. This may include:
• To avoid overspending. Debit cards, particularly when you’ve opted out of overdraft protection, help you to avoid spending more than you can afford to pay back. With a debit card, you can only use the funds already in your associated account, which is a tactic you could try with a credit card as well.
• To avoid finance charges or extra fees. Debit cards generally incur few charges. Additionally, they do not accrue interest since debit transactions are immediately pulled from your deposit account, in contrast to how credit cards work.
• To amass rewards without debt. The potential to earn credit card rewards is appealing, but “chasing points” can be a risky game if you overspend. The ability to use a credit card like a debit card can help keep your spending in check while earning rewards.
Recommended: Tips for Using a Credit Card Responsibly
Tips for Using a Credit Card as a Debit Card
You can’t technically process a credit card payment as a debit card purchase. But if your purchasing strategy is to use a credit card as your go-to payment method instead of a debit card, remember the following tips and credit card rules:
• Don’t spend more than you can afford.
• Do pay your monthly credit card statement in full.
• Don’t pay your credit card bill late or skip a payment.
• Do explore credit card rewards programs to earn incentives on purchases you already make.
• Don’t forget to review annual percentage rates (APR) and fees associated with your card.
• Do use a credit card for online payments for greater fraud protection.
Recommended: When Are Credit Card Payments Due
Pros and Cons of Using a Credit Card Like a Debit Card
The benefits of credit cards in comparison to debit cards vary since they’re two distinct banking products. However, each payment option has its own pros and cons.
Pros
Cons
Credit Card
• Offers greater purchasing power
• Can buy items now and pay for them later
• Helps build your credit
• Potentially zero liability for unauthorized charges
• Can accumulate burdensome debt
• Late and missed payments adversely affect your credit score
• Can incur interest charges and fees
Debit Card
• Avoids debt by using cash you already have
• No additional interest charges on purchases
• Can request cash back at checkout
• Buying power is limited to the funds you have
• Insufficient funds may lead to overdraft fees
• Doesn’t help build credit
• Fewer protections with fraudulent charges
Recommended: Does Applying For a Credit Card Hurt Your Credit Score
Alternatives to Using a Credit Card Like a Debit Card
If you’re averse to using a credit card in a traditional sense, there are a few alternatives payment options that are akin to a debit-style transaction:
• Prepaid credit card. A prepaid credit card gets loaded with funds which then become your card’s available credit line. It gives you the convenience of a credit card but taps into cash you already have, which is similar to a debit card. Note that prepaid cards often incur fees for various types of activity.
• Cash-back rewards debit cards. If you want the perks of a credit card, like cash-back incentives, but in the form of a debit card, a cash-back debit card might be an option. These limit you to spending the funds you already have on deposit, but let you earn cash back when you use the card.
The Takeaway
Using a credit card like a debit card ultimately boils down to only spending on your card with funds you already have. Since a credit card is essentially a loan, it’s easy to accumulate overwhelming debt, plus interest charges, if you’re overspending. If you can comfortably afford to repay your credit card transactions in full each month, using your credit card in lieu of a debit card can provide access to valuable benefits, like earning rewards, enhancing fraud protection, and possibly building your credit.
Whether you’re looking to build credit, apply for a new credit card, or save money with the cards you have, it’s important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.
FAQ
Can I transfer money from my credit card to my bank account?
No, you can’t transfer money from your credit card to your bank account. A bank account is a deposit vehicle for your available cash; this cash can be accessed using a debit card. Conversely, a credit card is a financial tool that lets you access a credit line that you need to repay.
Can I use my credit card like a debit card at an ATM?
Yes, you can use your credit card like a debit card to get a cash advance at an ATM. Be warned that this is a costly option. Credit card cash advances typically have a different limit compared to your purchase limit, and they usually charge a higher APR with no grace period. Plus, you’ll owe a cash advance fee.
Can I use a credit card as a debit card with no interest?
Possibly. You might be able to use a credit card like a debit card for everyday transactions without incurring interest, if you pay every billing statement in full each month. Rolling over a balance month after month, however, will cause you to incur interest charges.
Is it better to use a debit or credit card?
Whether using a debit or credit card is a better option depends on the types of purchases you’re making and your borrowing habits. For example, credit cards are generally safer when shopping online, but buying on credit can get out of control quickly if you’re not careful.
Photo credit: iStock/filadendron
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .
Moving to New Hampshire provides residents with picturesque landscapes, charming small towns, and lively cities. The state is known for its four distinct seasons, outdoor recreational opportunities, and a strong sense of community. Whether you’re browsing homes for sale in Concord, considering renting in Manchester, or exploring houses for rent in Nashua, here’s what you need to know before moving to New Hampshire.
New Hampshire at a glance
From the stunning White Mountains to the serene lakes and coastline, the state caters to those who love nature and city life. The largest cities in New Hampshire—Manchester, Nashua, and Concord—are hubs of cultural activities. Manchester, the largest city, is a thriving center for business and culture, while Nashua offers suburban charm and urban convenience. Concord, the state capital, is rich in history and provides a welcoming community atmosphere.
New Hampshire’s economy thrives on sectors such as technology, healthcare, education, and manufacturing, with major companies like BAE Systems, Dartmouth-Hitchcock, and Fidelity Investments headquartered here. The state’s cultural scene is diverse, featuring world-class museums, annual events like the New Hampshire Film Festival, and a culinary landscape that celebrates farm-to-table dining and fresh seafood. Educational excellence is anchored by institutions like the University of New Hampshire and Dartmouth College. Affordable living options can be found in towns like Hudson, and Derry, making New Hampshire an enticing choice for those seeking quality of life.
1. There’s no sales tax here
New Hampshire is one of the few states in the U.S. that does not impose a sales tax on goods and services, making shopping more affordable. This tax advantage attracts shoppers from neighboring states and extends to a wide range of purchases, from everyday items to big-ticket goods. Additionally, the lack of sales tax contributes to the overall lower cost of living and can be particularly beneficial for large purchases such as vehicles and home appliances. This financial perk enhances the state’s appeal by allowing residents and visitors to save money on both routine and significant expenses.
2. New Hampshire has many charming small-towns
The state is dotted with picturesque small towns that exude New England charm. Places like Hanover, home to Dartmouth College, offer quaint downtown areas with boutique shops, cafes, and historic architecture. Portsmouth, with its waterfront location, has a rich maritime history and vibrant arts scene. Each town has its unique character and attractions, making New Hampshire a delightful place to explore and live.
3. Get ready to experience the autumn foliage
New Hampshire is renowned for its spectacular autumn foliage, drawing visitors from all over to witness the vibrant colors. The Kancamagus Highway, which runs through the White Mountains, is one of the most famous scenic drives for fall foliage. Additionally, Towns like Conway and Lincoln become hotspots for leaf-peeping, with numerous hiking trails and scenic overlooks providing breathtaking views of the red, orange, and yellow hues.
Travel tip: Visit early in the season, as peak foliage can vary year to year. Also, consider starting your drive early in the morning or late afternoon to avoid crowds and get the best light.
4. New hampshire has beautiful coastlines
New Hampshire’s coastline, though relatively short at just 18 miles, offers stunning seaside scenery and charming coastal communities. Hampton Beach is a notable destination with its sandy shores, bustling boardwalk, and vibrant summer events that attract visitors and locals. In addition to Hampton Beach, the town of Rye offers a more serene coastal experience with its scenic Rye Harbor and nearby Odiorne Point State Park. This area provides beautiful rocky shorelines, tidal pools, and walking trails with expansive views of the Atlantic Ocean. The park’s natural beauty and peaceful atmosphere make it a great spot for coastal exploration and relaxation.
New Hampshire has top-rated educational institutions, from esteemed private schools to renowned universities. Dartmouth College in Hanover is an Ivy League institution known for its rigorous academics and beautiful campus. The University of New Hampshire, located in Durham, offers a wide range of undergraduate and graduate programs. These educational opportunities contribute to the state’s reputation for high-quality education.
6. The breweries and wineries are thriving here
New Hampshire’s craft beverage scene is thriving, with a growing number of breweries and wineries showcasing local flavors and innovations. The state is home to renowned breweries like Redhook Ale Brewery in Portsmouth, known for its diverse beer offerings and vibrant beer garden, and The Portsmouth Brewery, which has been a staple in the craft beer community since 1991. In the wine sector, LaBelle Winery in Amherst produces a variety of high-quality wines, from crisp whites to robust reds, and offers guided tours and tastings that highlight their commitment to local ingredients.
Insider scoop: Visit during seasonal events like Oktoberfest or harvest festivals, where you can sample limited-edition brews and wines while enjoying local festivities and live music.
7. There are four distinct seasons
Residents of New Hampshire experience four distinct seasons, each bringing its own beauty and activities. Winters, with temperatures often dropping below freezing, are perfect for skiing and snowboarding in places like North Conway and Bretton Woods. Spring sees temperatures warming to the 50s and 60s, bringing blooming flowers and fresh greenery, ideal for hiking and outdoor adventures. Summers, with temperatures ranging from the 70s to 80s, are warm and great for lakeside activities in the Lakes Region. Autumn, with temperatures cooling to the 50s and 60s, features stunning foliage, making every season special and enjoyable.
8. The activities on the White Mountains are endless
The White Mountains in New Hampshire offer a virtually endless array of activities year-round, attracting outdoor adventurers and nature lovers. In the summer, visitors can enjoy hiking trails such as the challenging Mount Washington and the scenic Franconia Ridge Loop, which offer stunning views and diverse terrain. Winter transforms the region into a haven for snow sports, with ski resorts like Bretton Woods and Cannon Mountain providing excellent opportunities for skiing, snowboarding, and snowshoeing.
Travel tip: Be sure to check weather conditions and trail statuses before heading out, as conditions in the mountains can change rapidly. Consider investing in a trail map or guidebook, and if you’re visiting in winter, make sure to bring appropriate gear and check avalanche forecasts for safety.
9. The cost of living varies throughout the state
The cost of living in New Hampshire varies significantly across the state, reflecting differences in housing markets, local economies, and amenities. In cities like Nashua, the median home sale price is $475,000, which is higher than the national median of $442,479. Conversely, in smaller towns such as Keene, median home prices can be around $315,000, offering more affordable housing options. Rental rates also show variation, with average monthly rents for a one-bedroom apartment in Manchester is $1,837, while in smaller towns like Concord, rents can drop to about $1,405. Rural areas and smaller communities generally present more budget-friendly options, making them appealing for those seeking lower living costs.
If you’re planning on moving to New Hampshire, you’ll want to consider the pros and cons of living in the Granite State to learn more about what life is like.
10. The state is close to major cities
Living in New Hampshire provides easy access to several major cities in surrounding states. Boston, MA, is just an hour’s drive from the southern parts of the state, offering urban amenities and job opportunities. The city of Portland, ME, is also within a short driving distance, known for its vibrant arts scene and coastal attractions. This proximity allows residents to enjoy the tranquility of New Hampshire while benefiting from the resources and opportunities of nearby metropolitan areas.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
With the Rocky Mountains as your playground, outdoor activities are a significant part of life here. Hiking, biking, and rock climbing are popular, with iconic spots like Garden of the Gods and Pikes Peak offering breathtaking experiences. Whether you’re a seasoned adventurer or a casual explorer, the outdoor lifestyle is hard to resist.
2. The cost of living is reasonable
Compared to other Colorado cities like Denver, Colorado Springs offers a more affordable cost of living. Housing prices are relatively lower, and there’s no state sales tax on groceries. However, property taxes and utility costs can be higher, so budgeting accordingly is essential.
3. A robust job market
The job market in Colorado Springs is robust, with opportunities in various sectors such as defense, technology, and healthcare. Companies like Lockheed Martin, Progressive Insurance, and UCHealth are some of the top employers. The city’s unemployment rate is lower than the national average, making it an attractive place for job seekers.
4. The weather is unpredictable
Colorado Springs experiences all four seasons, sometimes in a single day. Known for its microclimates, you can expect sunny mornings, afternoon thunderstorms, and chilly evenings. Be prepared for sudden weather changes and always carry layers. The city gets over 300 days of sunshine annually, but snow can fall as late as May and as early as October.
5. The Military presence is strong
Home to several military installations, including the United States Air Force Academy, Fort Carson, and Peterson Space Force Base, Colorado Springs has a significant military presence. This influence is seen in the local economy, culture, and community events.
6. The art and culture scene is thriving
The art and culture scene in Colorado Springs is thriving, with numerous galleries, theaters, and music venues. The Colorado Springs Fine Arts Center at Colorado College and the Pikes Peak Center for the Performing Arts are notable cultural hubs. The city hosts events like the Colorado Springs Labor Day Lift Off and First Friday Art Walks.
7. Educational opportunities abound
Colorado Springs is home to several higher education institutions, including the University of Colorado Colorado Springs (UCCS) and Colorado College. The city also has excellent public and private schools, making it a great place for anyone seeking quality education.
8. Charming neighborhoods to choose from
The city offers a variety of neighborhoods, each with its unique charm. Old Colorado City is known for its historic buildings and quaint shops, while Briargate offers suburban amenities and top-rated schools. Downtown Colorado Springs provides an urban vibe with plenty of dining and entertainment options.
9. A culture of fitness and wellness
The city’s fitness culture is strong, with numerous gyms, yoga studios, and wellness centers. The high altitude encourages a healthy lifestyle, and many residents take advantage of the extensive trail system for running and cycling. The annual Pikes Peak Marathon is a testament to the city’s dedication to fitness.
10. Local brews of the coffee and beer variety
Colorado Springs has a burgeoning craft beer and coffee scene. Breweries like Phantom Canyon Brewing Co. and Bristol Brewing Company are popular spots, while coffee enthusiasts enjoy Switchback Coffee Roasters and Loyal Coffee. The city’s commitment to local businesses is evident in these thriving establishments.
11. Festivals and community events
The city hosts numerous festivals and community events throughout the year. Territory Days, the Pikes Peak International Hill Climb, and the Colorado Springs Labor Day Lift Off are just a few examples. These events foster a strong sense of community and provide plenty of entertainment options.
12. Proximity to Denver
Just an hour’s drive from Denver, Colorado Springs residents can easily access the amenities of a larger city. This proximity allows for convenient day trips to enjoy Denver’s shopping, dining, and cultural attractions without the hassle of living in a big city.
13. Top notch healthcare
The city boasts excellent healthcare facilities, including UCHealth Memorial Hospital and Penrose-St. Francis Health Services. Access to quality healthcare is a significant advantage for residents, with many specialized services and medical professionals available.
Are you feeling overwhelmed by debt and looking for simple ways to tackle it? You’re not alone. Many people struggle with finding effective methods to pay off their debt.
Luckily, there are plenty of easy strategies that can help you get out of debt faster. In this post, you’ll discover 12 surprisingly easy ideas that can make a big difference. From small changes in your daily habits to smart financial moves, these tips will help you take control of your finances and work towards a debt-free future. Let’s dive in and explore how you can start paying off your debt today.
1. Don’t Spend Money or Open Your Wallet
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Avoid impulse purchases by keeping your wallet closed. This is a simple way to save money and focus on paying off debt. The less you spend, the less debt you have.
2. Skip Eating Out
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Eating at home can save a lot of money. Preparing meals at home helps cut down on expenses, helping you pay off debt faster. You just have to plan a little ahead
To learn more: 100+ Frugal Meals for When You’re Broke or on a Budget
3. Stop Extra Subscriptions You Don’t Use
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Go through your bank and credit card statements to see your auto pay charges. Cancel subscriptions you rarely use. This will free up extra cash to put toward your debt.
4. Wait for That Vacation
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Postpone big trips until you’re debt-free. This allows you to save money now and enjoy vacations more once you’re debt-free. As I always said, say no until you can say yes.
Learn More: 7 Simplistic Habits Needed for Debt Free Living
5. Say No to Pricey Kid’s Activities
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Opt for low-cost or free activities for kids. This saves money and teaches kids to enjoy simpler, less expensive fun. Plus you are modeling strong money management habits for your kids.
6. Start Cutting Your Own Hair
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Save money by cutting your hair at home. (Shh! This is something I have done for 14 years now.) This reduces the need for salon visits and helps you put more money toward debt.
7. Get Off Social Media
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Reducing social media use can cut down on spending triggered by ads and comparison shopping. This helps you save money and focus on debt repayment.
8. Find Free Entertainment
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Look for free ways to have fun first. Libraries, parks, and community events can provide entertainment without costing a dime.
To learn more: 105 Fun Things To Do With No Money
9. Pass on the Daily Coffee Habit
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Skip buying daily coffee from cafes. Making coffee at home saves money, which can be used to pay off debt. Some may even save over $2000 in a year.
10. Minimize Waste
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Use what you have and reduce waste. This helps stretch your budget and puts more money toward paying off debt. You may be surprised the number of ways you can turn frugal green!
To learn more: How to Be Frugal Green: 91+ Tips to Save Money and Environment
11. Participate in No Spend Year
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Commit to a no-spend year where you buy only essentials. This extreme saving method can help you get out of debt much faster.
To learn more: No Spend Challenge: The #1 Fastest Way To Save Money
Be Smart to Pay Off Debt Faster
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Paying off debt faster requires smart choices and discipline. Every little bit helps, and with these tips, you’ll be on your way to financial freedom sooner than you think. Stay focused, stay frugal, and watch your debt decrease.
To learn more: 7 Things to Give UP to Pay Off Debt Faster
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.
Managing your money wisely starts with understanding how you spend it. Let’s break down the common habits that can make or break your budget. Whether you want to save more, spend less, or just be more mindful of your finances, knowing these key habits is essential.
This guide will help you identify and change spending patterns that can impact your financial future. Let’s dive in and see how you can take control of your money.
Budget your money
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Budgeting helps you decide how to spend your income wisely. It ensures you have enough for essentials and don’t overspend. It’s a smart way to meet your financial goals.
To learn more: How to Budget Money and Still Enjoy Life
Cancel bills you can’t pay
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If you can’t pay a bill, contact your creditors to ask for cancellation. If that fails, explain why you missed the payment. With many unpaid bills, you may look at debt consolidation, but stop using debt as a form of payment.
To learn more: How to Get Out of Debt in 5 Easy Steps
Switch Banks
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Don’t pay for banking services. If you do, it’s time to switch to a credit union. They often offer better deals and lower fees.
To learn more: This is the Simple Answer…How Many Bank Accounts Should I Have
Insurance bundles
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Insurance bundles include different coverages like home, auto, life, and disability insurance. They often come with riders for income loss and medical expenses, providing comprehensive protection.
Switch banks to one with high APY
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Not investing in a high-interest account means losing money. Look for banks with a high APY (annual percentage yield) on deposits. This is a smart place to keep your rainy day fund.
Learn More: Breaking Down the Purpose of a Rainy Day Fund
Increase income
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Increase your income by finding a new job or starting a business. More income means more money to save or invest for your future.
To learn more: Explore the Many Ways to Make Money
Cut your bills
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The average person spends about $150 monthly on bills like electricity and gas. Cutting these expenses where possible can save you a lot of money each month. Look for others you can trim.
To learn more: What Are Fixed Expenses? How to Budget for Fixed Costs
Earn cash back on purchases
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Earn cash back on things you already buy using a credit card, debit card, or other means. It’s an easy way to get some money back on your regular purchases.
Learn More: 15 Most Effective Credit Card Hacks and Rewards
Make money on things you own
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Sell items you no longer need on eBay, Craigslist, or other sites instead of throwing them away. It’s a good way to make extra money.
Avoid unnecessary spending
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When you’re out, avoid places that tempt you to buy things you don’t need. Staying away from these places helps you save money and avoid impulse purchases.
Don’t buy things on credit
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If you can’t afford it, don’t buy it on credit. This way, you won’t end up paying more than what the item is worth due to interest and fees.
To learn more: 7 Simplistic Habits Needed for Debt Free Living
Save your spare change
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Save your spare change in jars. Over time, it adds up and can become a nice amount of money that you didn’t even miss.
To learn more: The Penny Challenge Will Easily Save More Than $650
Automate your budget
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Automate your budget to know what you have to spend. It helps keep your shopping in check and prevents impulse buying, making it easier to manage your finances.
To learn more: How to Budget Your Money With Percentages – Cents Plan Formula
Avoid fees from simple transactions
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Be aware of fees from credit cards, debit cards, and electronic check transactions. Avoid unnecessary charges by knowing what fees apply to your transactions and finding ways to minimize them.
Then Become Financially Sound
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These money management habits are solid and emphasize the benefits of saving money, spending less, and maintaining financial stability. This is how you want to live.
To learn more: How Quick can you Become Financially Sound?
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.
Looking for a place in Iowa to call home without breaking the bank? Whether you’re moving for work, school, or a fresh start in a new city, finding affordable rent can be a game-changer.
Iowa is home to a ton of cities with reasonable costs of living, strong communities, and plentiful amenities. We’ve rounded up a handful of the cheapest places to live in Iowa so you can see what makes Iowa such a special place to call home.
1. Dubuque
Average rent: $727
Dubuque is a hidden gem for those looking for affordable living in Iowa. With an average rent of just $727, it’s the perfect place for budget-conscious renters. One-bedroom apartments in Dubuque go for around $712, while two-bedrooms cost about $742.
One of the largest employers in Dubuque is John Deere at the Dubuque Works location. On nice days, you’ll find locals at the Mines of Spain Recreation Area hiking and enjoying the sun. For a more controlled environment, the Dubuque Arboretum and Botanical Gardens offer free admission to their stunning displays.
Apartments for Rent in Dubuque | Houses for rent in Dubuque | Homes for sale in Dubuque
2. Cedar Rapids
Average rent: $787
Cedar Rapids has an average rent of $787, making it a top contender for affordable living in Iowa. Studio apartments average around $650, one-bedrooms about $780, and two-bedrooms $931. This makes Cedar Rapids a great option for a range of budgets.
The city is home to major employers like Rockwell Collins, Transamerica, and St. Luke’s Hospital. For those looking for low-cost entertainment, Cedar Rapids has plenty of parks, including the beautiful Noelridge Park. The Cedar Rapids Museum of Art offers free admission on select days, making culture accessible to all. To top it all off, NewBo City Market is a fun spot for affordable shopping and events.
Apartments for Rent in Cedar Rapids | Houses for rent in Cedar Rapids | Homes for sale in Cedar Rapids
3. Ames
Average rent: $835
With an average rent of $835, Ames is another affordable city worth considering. You can find studio apartments for $735, one-bedrooms for $838, and two-bedrooms for $933.
Iowa State University is one of the most significant employers in Ames, providing a range of job opportunities and a cool college town vibe. The city also hosts several tech companies and startups. Weather permitting, Reiman Gardens is a popular destination thanks to a stunning display of plants and flowers with affordable entry fees. The Ames Downtown Farmers’ Market is also a great spot for affordable and fresh local produce.
Apartments for Rent in Ames | Houses for rent in Ames | Homes for sale in Ames
4. West Des Moines
Average rent: $1,025
West Des Moines offers an average rent of $1,025, making it a competitive choice for affordable living. Studio apartments average around $850, one-bedrooms about $1,052, and two-bedrooms $1,172.
Major employers in West Des Moines include Wells Fargo, Hy-Vee, and Athene USA. For affordable fun, we recommend a visit to Raccoon River Park, which has a beach, trails, and fishing areas. The West Des Moines Public Library offers programs and resources for all ages, perfect for those looking for free educational activities that don’t break the bank.
Apartments for Rent in West Des Moines | Houses for rent in West Des Moines | Homes for sale in West Des Moines
5. Sioux City
Average rent: $1,048
Sioux City’s average rent of $1,048 makes it an affordable choice for many. Studio apartments rent for about $889, one-bedrooms for $980, and two-bedrooms for $1,275.
A few of the larger employers in the area include Tyson Foods, MercyOne Siouxland Medical Center, and Sioux City Community Schools. For a cheap day out, head to Stone State Park for hiking and picnicking. The Sioux City Art Center offers free admission, allowing you to enjoy art without spending a dime. You can also explore Historic Fourth Street, which has a handful of affordable dining and shopping options.
Apartments for Rent in Sioux City | Houses for rent in Sioux City | Homes for sale in Sioux City
6. Des Moines
Average rent: $1,055
Des Moines has an average rent of $1,055, making it one of the more affordable larger cities in Iowa. Studio apartments in Des Moines cost around $964, one-bedrooms $1,136, and two-bedrooms $1,065.
Principal Financial Group, Wells Fargo, and MercyOne Des Moines Medical Center are some of the more sizable employers in Des Moines. For fun, Gray’s Lake Park is a popular spot for walking, biking, and picnicking. The Des Moines Art Center offers free admission to its world-class exhibits. The Downtown Farmers’ Market is a great place to find local produce and hang out with friends and neighbors.
Apartments for Rent in Des Moines | Houses for rent in Des Moines | Homes for sale in Des Moines
7. Iowa City
Average rent: $1,071
With an average rent of $1,071, Iowa City is an affordable option for those seeking a strong local culture. Studio apartments average $1,125, one-bedrooms $1,199, and two-bedrooms $890.
The University of Iowa is the most significant employer in the area, which provides tons of job opportunities and gives the town a strong reputation as one of Iowa’s top college towns. For fun, the Iowa City Public Library hosts free events and programs. Check out the Devonian Fossil Gorge for a unique outdoor adventure.
Apartments for Rent in Iowa City | Houses for rent in Iowa City | Homes for sale in Iowa City
8. Davenport
Average rent: $1,099
Davenport’s average rent of $1,099 places it among the affordable cities in Iowa. Studio apartments cost about $814, one-bedrooms $1,072, and two-bedrooms $1,412.
Large employers in Davenport include Genesis Health System, John Deere, and the Davenport Community School District. For entertainment, the Figge Art Museum offers free admission on certain days. The city’s many parks, including Vander Veer Botanical Park, provide beautiful spaces for relaxation at no cost. Freight House Farmers’ Market is another spot where you can find local produce at a bargain.
Apartments for Rent in Davenport | Houses for rent in Davenport | Homes for sale in Davenport
Methodology
All cities must have over 50,000 residents per the US Census and have an average rent price under or within $160 of the median rent price for the state – which is $940 per month according to Redfin data. Average rental data from Rent.com July 2024.
A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.
Looking to learn how to make money without a car? It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income. Whether you want to work from home…
Looking to learn how to make money without a car?
It might seem hard to make money without a car, but there are actually many ways to do it. You don’t need a vehicle to find opportunities that can earn you extra cash or even a full-time income.
Whether you want to work from home or find gigs in your neighborhood, there are plenty of options available to you.
Best Ways To Make Money Without a Car
Below are the best ways to make money without a car.
Here’s a quick summary of my favorites:
Best way to make money without a car by freelancing – Proofreading
Best way to make money without a car to work by yourself – Blogging
Best way to make money without a car for passive income – Selling printables
Best way to make money without a car for people who like numbers – Bookkeeping
1. Blogging
Blogging is a great way to make money without needing a car. You can write about topics you love and share your knowledge with others. All you need is a computer and an internet connection.
I started Making Sense of Cents in 2011, and I’ve made over $5,000,000 with my blog. I began my blog just to share my own money journey. At first, I didn’t even know people could make money from blogging or how to create a successful blog! I didn’t plan to make money with Making Sense of Cents, but after six months, I started earning from it.
And, it all started from home, where I didn’t need a car (and I still don’t need a car to do this job).
Starting a blog takes time and effort, but it can be very rewarding. Plus, you can do it all from the comfort of your home.
Learn more in my How To Start A Blog FREE Course. In this free course, I show you how to create a blog, from the technical side to earning your first income and getting pageviews.
2. Proofreader
Being a proofreader is a great way to make money without a car. You can do this from the comfort of your home. Many companies and individuals need proofreaders for their articles, books, and websites.
To start, you need a strong grasp of the English language (or whatever language you are proofreading in). Good attention to detail is also important. You don’t need a degree to become a proofreader, but it helps to know common style guides.
Proofreaders can make good money, and according to Salary.com, the average proofreader salary is $58,284 a year.
Proofreading is flexible. You can choose your own hours and work as much or as little as you want. This makes it a great side hustle or even a full-time job.
Learn more at 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
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This free training teaches you how to start a proofreading side hustle (and how to earn $1,000+ per month!), even if you are brand new and don’t have any previous proofreading experience.
3. Sell printables on Etsy
Selling printables on Etsy is a great way to make money without needing a car. Printables are digital files like planners, calendars, art prints, and more.
Making printables on Etsy is a great idea because you only need to create one digital file per product. You can then sell that file as many times as you want.
Learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
4. Dog walking
Dog walking is a fun way to make money without a car. You get to spend time with dogs and get some exercise too. Many people need help walking their dogs, especially if they have busy schedules.
There is a good chance that some of your neighbors within walking distance may need some help with their pets, and this is where you come in!
You can start by letting your neighbors know you are available. Put up flyers or post about your services in local online groups. Another great way to find clients is through dog walking apps like Rover and Wag that connect dog walkers with pet owners.
If you use an app like Rover, you can also offer pet sitting services. This can increase your earnings by taking care of pets overnight.
Dog walking usually pays between $15 and $25 per walk. If you walk several dogs in a day, it can add up quickly. For overnight stays, you might earn $25 to $70+ per day.
5. Freelance writing
Freelance writing is a great way to make money without a car. You can work from home or anywhere with an internet connection. All you need is a computer and some writing skills.
You can write blog posts, articles, or even social media content. Many companies need writers to create content for their websites and marketing materials.
Freelance writing lets you choose your own hours. You can work as much or as little as you want. This makes it a great option if you have other commitments like school or another job.
There are many websites where you can find freelance writing jobs. Examples include Upwork, Freelancer, and Fiverr. Some companies also hire writers directly through job postings on their websites.
I have been a freelance writer for years, and I think it’s a great way to earn income from home, without needing a car.
6. Virtual assistant
You can make good money by becoming a virtual assistant (VA). As a VA, you help clients with various tasks from your home.
Companies and busy professionals need help with things like managing emails and scheduling appointments. You can do this using just a computer and the internet.
Some VAs specialize in things like social media management. Others focus on tasks like data entry or customer service. You can choose what you want to do based on your strengths.
Working as a VA lets you set your own hours. You don’t need to commute anywhere since everything is done online, so this makes it perfect if you don’t have a car.
7. Online tutoring
Online tutoring is a great way to make money without needing a car. You can teach from the comfort of your own home and set your own schedule. There are many websites where you can sign up and start tutoring students in different subjects.
All you need is a computer and an internet connection. Tutor Me Education, for example, connects you with students looking for help in over 200 subjects. You create a profile, and students reach out to you.
If you enjoy teaching, this can be a fun and rewarding way to earn money. It’s also flexible, so you can work as much or as little as you want. This makes it easy to fit tutoring into your busy life.
Some tutoring platforms might require you to have some qualifications, but many are open to anyone with knowledge in a particular area. This means almost anyone can become a tutor and start making money.
8. Selling print-on-demand products
Selling print-on-demand products is a great way to make money without needing a car. You can create your own designs for T-shirts, mugs, and more. Once a customer orders, the product is made and shipped directly to them.
You don’t need to handle any physical inventory. This means you can work from home and all you need is an internet connection and some creative ideas.
Platforms like Etsy, Amazon, and Shopify make it easier to sell your print-on-demand products. They connect you to millions of potential buyers. You can also use services like Printify and Printful to help produce and ship your items.
Starting your own print-on-demand business involves little upfront cost. You only pay for the production of the item when a sale is made, so this reduces your financial risk significantly.
9. Graphic design
If you love art and design, graphic design can be a great way to make money. You don’t need a car for this job because you can do all your work from a computer at home.
Many businesses need logos, social media graphics, and other visual content.
You can find clients on platforms like Fiverr and Upwork, and you can start with small projects to build your portfolio. Once you have a few happy clients, you can charge more for your work.
10. Data entry
Data entry is a simple way to make money from home. You don’t need a car, and you can work in your pajamas (amazing, right?!).
Data entry workers type information into computer systems. Companies need people to enter data accurately and quickly, and this could be anything from names and addresses to inventory numbers.
These jobs can pay anywhere from $12 to $25+ per hour. The pay depends on the company and the complexity of the task.
Data entry is a flexible job. You can often set your own hours and work when it’s convenient for you.
While it may not be the most exciting job, it’s straightforward and doesn’t require a lot of training. This makes it a good option if you need to earn some extra cash.
11. Transcription services
Transcription work is a great way to earn money from home. You listen to audio files and type what you hear. Many companies hire beginners, so experience isn’t always necessary.
The pay varies, usually from $5 to $25 per audio hour.
Working as a transcriptionist can be flexible. You pick the hours you want to work, so this makes it easier to fit into your schedule.
Make sure you meet the typing speed requirements. Most companies look for accuracy and speed. Start practicing if you need to improve in these areas.
Learn more at 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly.
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
12. Dropshipping
Dropshipping is a great way to make money without a car. You don’t need to buy any stock up front. When a customer buys from your online store, you order the product from a supplier who ships it directly to them.
To start, find a popular product that people want. Use free tools like Google Trends to see what’s in demand. You could sell anything from phone accessories to pet supplies.
Dropshipping allows you to run a business from anywhere. All you need is a computer and internet. It’s perfect if you don’t have a car.
13. Affiliate marketing
Affiliate marketing is a great way to make money without a car. You can do it right from home or anywhere with an internet connection.
In affiliate marketing, you promote products or services for companies. When someone buys through your referral link, you earn a commission.
It does take time and effort to be successful. You’ll need to create content, like blog posts or social media posts, to share your affiliate links.
You could promote anything from clothes to electronics to digital products like ebooks or courses. Pick something you like and know about to make it easier.
For me, I have been doing affiliate marketing for years, and I think it’s a great way to make money at home without a car.
Learn more at Affiliate Marketing Tips For Bloggers – Free eBook.
14. Get roommates
Rent can be really expensive. If you want to save money or even make some extra, getting roommates can help.
When you share your place with others, you split the rent and utility bills. This makes living costs lower for everyone.
Finding roommates isn’t hard. You can ask friends or use sites like Facebook or Craigslist. Of course, you’ll want to make sure to choose people you get along with well.
15. Answer surveys
Answering surveys is an easy way to make some extra money without needing a car. Many market research companies want to know what you think about their products or services. They will pay you for your opinions in PayPal cash or free gift cards.
Each survey can take anywhere from a few minutes to half an hour. While you won’t become rich, it’s a simple and flexible way to make a small but steady income on the side. Even earning a few dollars here and there can add up.
The survey companies I recommend signing up for include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Prime Opinion
Five Surveys
PrizeRebel
Pinecone Research
I have been answering surveys for years, and I have always liked how I can answer them at home without having to go anywhere. That makes it very easy!
16. Make money on YouTube
Starting a YouTube channel is a popular way to make money online, especially if you don’t have a car. You can record videos with your phone or camera, and you don’t need much else to get started.
You can make a YouTube channel about many different topics like money, home, travel, toys, pets, and more. There’s a YouTube channel for almost everything, and there’s still room for more!
In your YouTube videos, you can add links to products you recommend, earn money from ads that play during your videos, get paid by brands to show their products, and even sell your own items.
Recommended reading: How Much Do YouTubers Make?
17. Mow lawns in your neighborhood
Mowing lawns in your neighborhood can be a great way to make extra money without needing a car. Many people need help keeping their lawns neat, such as older adults or busy families.
To get started, you really only need basic lawn care equipment, like a mower and trimmer.
Next, spread the word about your lawn care services. Talk to your neighbors, put up flyers, or post on community boards online.
18. Deliver food on a bike
Not all food deliveries are by car – plenty can be done by bike, depending on where you live! Thanks to today’s gig economy, you have plenty of options depending on where you live.
If you live in a city, delivering food on a bike is a great way to make money part-time as a side gig or even full-time. You can work for companies like Uber Eats, Instacart (this is for grocery shopping delivery), or Postmates. These apps allow you to deliver by bike in many cities.
Biking means you don’t spend money on gas or car maintenance. Plus, it’s good exercise. You can even do food delivery by e-bike or scooter if you prefer.
Note: You do still have to do a background check, even though you won’t be driving and won’t have to use a driver’s license.
19. Babysit
Babysitting is a great way to make money if you don’t have a car. You can choose when you’re available, making it easy to fit around your schedule.
Lots of families need someone to watch their kids while they’re at work or out for the evening, such as your neighbors.
You can offer your help to neighbors, friends, and family members.
You might need to get CPR certified, but it’s worth it. Parents will feel better knowing their kids are in safe hands (plus, you’ll feel better too about watching someone else and feel more prepared).
20. Play game apps
You can make money by playing game apps on your phone. There are lots of apps out there that pay you to play games. Some popular choices include apps like Solitaire Cash and other game apps where you get paid for playing and watching ads.
These game apps can be fun and a good way to earn a little extra cash. You usually earn small amounts of money or rewards that you can cash out later. Still, it’s important to know that it’s not a way to get rich quickly.
Here’s a quick list of the top game apps that pay real cash:
KashKick
Swagbucks
InboxDollars
Freecash
21. Virtual bookkeeper
You can make money from home as a virtual bookkeeper. This job involves keeping track of finances for businesses.
All you need is a computer and internet access. You can work for one company or offer your services to multiple clients.
Before you skip this because you think you’re not qualified, you should know that you don’t need to be an accountant, have any previous experience, or even have a bachelor’s degree.
Virtual bookkeepers can earn a good hourly rate and often have the freedom to set their schedules. This can be a great option if you need flexibility in your work life.
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This free training will show you how to start a profitable bookkeeping side-hustle in the next 30 days—even if you have no prior experience!
22. Voice over acting
Voice-over acting is a fun way to make money from home. You use your voice to bring characters to life or narrate commercials and videos. It’s a great job if you’re good at reading aloud and can deliver lines clearly.
You don’t need a fancy setup to start. A decent microphone and free software can get you going. Many websites connect you with clients looking for voice talent.
You might work on video games, cartoons, audiobooks, or even ads. Each job can pay differently, so you can find ones that fit your schedule and skills.
Voice-over acting can be both fun and profitable. It’s a flexible way to make money without needing a car. Plus, you can do it all from the comfort of your home.
Learn more at How To Become A Voice Over Actor And Work From Anywhere.
23. Write book reviews
You can make extra money by writing book reviews from home. This is perfect if you love reading.
Authors and publishers appreciate your honest reviews because they help other readers decide what to read. These reviews are fun for readers and helpful for everyone.
Here are some websites where you can earn money by writing book reviews:
OnlineBookClub.org – They give you free books at first. After your first review, you can earn $5 to $60 per review.
Kirkus Media – They need reviewers for English and Spanish books. Reviews are about 350 words and due two weeks after you get the book.
The US Review of Books – They hire freelance writers for 250- to 300-word reviews that provide insights into the book. You need to submit a resume, writing samples, and references.
Reedsy Discovery – You can review books before they are published and earn tips from readers, usually $1 to $5 per review. This helps new books become more popular.
Learn more at 16 Best Ways To Get Paid To Read Books.
Frequently Asked Questions
You don’t need a car to make money. There are many ways to earn, whether from home, on foot, or on a bike. Here are some common questions and answers about how to make money without a car.
How can I make money if I don’t have a car?
You can make money by blogging, proofreading documents, or selling printables on Etsy. You can also offer services like dog walking. If you enjoy writing, freelance writing could be a good fit too. Many of these can be done from the comfort of your home or in your neighborhood within walking distance.
What kind of jobs can you do from home with no car or computer?
Without a computer, you can still find jobs like phone-based customer service or tutoring over the phone or by having your clients come to your home. Selling craft items or handmade goods can also be done from home. Some people even make money as virtual assistants using only their smartphones.
How can a college student make extra cash without having a vehicle?
Many college students don’t bring a car to college, and if that’s you, you may be wondering how you can make money. College students can babysit, tutor younger students, or work as a resident advisor at their college. Selling old textbooks and clothes can also bring in extra cash.
What are some delivery jobs with no car required?
For delivery jobs, you can use a bike or scooter. Platforms like DoorDash allow deliveries by bike in certain areas. Restaurants and local stores sometimes hire walkers or bikers to deliver goods too, but this is more common in big cities (like New York City or Chicago).
What to do with no money and no car?
If you have no money and no car, I recommend starting by looking for gigs that don’t require any investment, like babysitting or dog walking. Answering paid online surveys or signing up for cash back apps can also help you earn some spare cash. You can also offer to run errands or clean houses for neighbors for some quick cash, or even host a garage sale.
What to do if you need a job but have no transportation?
If you need a job but you have no transportation, then I recommend finding a work-from-home job like transcribing, virtual assisting, or data entry. If you want an in-person job but don’t have transportation, then you may need to look into your public transportation options, car sharing in your area, finding a shuttle service, using a rideshare app (like Uber or Lyft), or carpooling.
How To Make Money Without a Car – Summary
I hope you enjoyed this article on how to make money without a car.
There are many ways to make money without a car such as with online jobs like proofreading, blogging, selling printables, and bookkeeping. And, there are also ways to make money in person without a car, such as dog walking, tutoring, delivering food by bike, and mowing lawns.
What do you think is the best way to make money without a car?
