Do you know who your neighbors are? According to the Pew Research Center, 57 percent of Americans say they know some of their neighbors. Whether you frequently talk to your upstairs neighbor or you only see your next-door neighbor on occasion, being a good neighbor is important in establishing yourself as part of the neighborhood and community.
1. Learn the three-step rule
“Our best tip to be a good neighbor is a simple three-step rule: Respect, communication and responsible pet ownership!” says 10 Stars Property Management. “In almost any situation respecting others’ space is a good base for any relationship. Especially with someone living right next door. Just be social and communicate with your neighbors — even just a smile goes a long way! Finally, always be conscious of your pets and their actions. No one wants to step into poop!”
2. Consideration goes a long way
“Being a good neighbor means being considerate of people,” says Nick Slagle of HomeRootsPM.com. “They take care of the appearance of their home and simultaneously are willing to help those in their neighborhood. Good neighbors are friendly and welcoming without being intrusive.”
3. Introduce yourself
“The best way to build into a good neighbor? Introduce yourself!” says Jim Shonts, real estate broker and owner of PMI Elevation. “Neighborhoods can thrive on a sense of community, and getting to know your neighbors soon after moving can help you settle in. And, since not all people are outgoing, those early introductions can give insight on how to respect their personal space.”
4. Show interest
“Whether you are moving in or welcoming a new neighbor, show interest in them by allowing the interruption in your day to greet each other when the opportunity arises,” says Sallie Plass from Etiquette Enrichment. “Ask for or suggest ways to get involved in the neighborhood or community. Intentionally smile, exchange names and phone numbers.”
5. Stay kind
Dr. Lew Bayer, CEO of Civility Experts Inc. suggests that a good neighbor should try to “ease the experience” of the others. “This means try to reduce stress and offer support versus causing stress, e.g. if the neighbor leaves the garage door open, let them know. If the neighbor’s dog barking bothers you, ask if you can give the dog a toy or bone. Turn your music down when you see your neighbor come home. Shovel the neighbor’s walk when you shovel yours. Just do what you can to stay kind…everyone is busy and tired and sometimes struggling. Try to assume the best of people and try to make their life easier versus harder.”
6. Treat your neighbor
“A few days after the new neighbors move in, knock on the door to meet them and include a small plate of homemade cookies or muffins or a seasonal plant (for example, a potted chrysanthemum in the fall) and a sticky note with your name and phone number if they need anything,” says Rachel from the Etiquette Trainer. “Additionally, if there’s a neighborhood Facebook page, let them know about it and encourage them to contact you if they need to borrow anything while settling in, such as a ladder or hand tools.”
7. Prioritize respect
“The adage, ‘Good fences make good neighbors’ still holds true,’” says Diane Gottsman, a national etiquette expert from The Protocol School of Texas, “It’s important to be respectful of each other, especially when sharing a fence, trees hanging over the roof, drainage coming into the other person’s lawn and an assortment of dilemmas. If you are experiencing an issue, reach out in person, and address the issue in a pleasant tone of voice with an open attitude and collaborative spirit. People are much more willing to work with someone who has a smile on their face and shows an effort to get along.”
“If there is a problem that cannot be dealt with neighbor-to-neighbor, the HOA may need to get involved. When renting, talk to the landlord first before going over their head. A good neighbor respects each other’s property, pets and privacy.”
8. Just say hi
“I think being a good neighbor starts by knowing your neighbors. I make sure to say hello every day. Whether it’s a good day, bad day or if I’m in a rush, I believe acknowledgment goes a long way and eventually, that helps cultivate a deeper and better neighbor relationship,” says Pamela Syvertson, broker and owner of Verandah Properties.
9. Model how you’d like to connect with your neighbors
“Challenge yourself to reach out to a neighbor you wouldn’t normally connect with and set the tone in how you want to connect with them,” says Daniel McArdle-Jaimes, the Strategic Communications Officer for the Office of Community & Civic Life in Portland, OR. “Maybe your neighbor is from another country or is a different age than you. Start by introducing yourself and developing a relationship to help make your block a more welcoming place for all. And who knows? You might make a new friend or regular lunch buddy!”
“Also — during and after an emergency, neighbors offer a powerful source of help. Organizing a neighborhood meeting or training through an organization to discuss emergency plans and personal safety is a wonderful way to build community. Many cities offer free resources, like the City of Portland’s Neighbors Together training, which help to start and host these important safety conversations.”
10. Remember empathy
“In addition to following the rules of your community, being a good neighbor requires empathy,” says Stayce Wagner, founder and CEO of Spencer Crane Etiquette. “The ability to see things from your neighbor’s perspective helps you behave with kindness, consideration and respect. A good neighbor cleans up their dog’s poop, doesn’t blast music in the middle of the night and never parks in a neighbor’s assigned space without permission.”
“Additionally, if making small talk with people in your neighborhood is outside your comfort zone, start with a smile, eye contact and a friendly hello. When you feel more comfortable, introduce yourself to the neighbors you see regularly and let things develop naturally. Every introduction won’t lead to a close friendship, but you’ll have established friendly contact.”
11. Talk like adults
“The best advice we can give as a management company is that if you have an issue with a neighbor, you go visit them directly and discuss it in an adult manner. Try this approach first before contacting law enforcement, HOA’s or management companies,” says David Peschio, owner and principal broker at PMI Richmond. “It usually can be resolved without escalation and helps maintain good relationships moving forward.”
12. Remember their name
“Being a good neighbor isn’t difficult, but you need to put a little effort into it to have happy neighborly relations,” says Arden Clise, President of Clise Etiquette and author of Spinach in Your Boss’s Teeth: Essential Etiquette for Professional Success. “When a new neighbor moves in, drop by with some cookies, a plant or some small gift to introduce yourself and welcome them to the neighborhood. Be thoughtful. If you’re shoveling your walk of snow, clear your neighbor’s walk, as well. If you have a neighbor who is elderly, sick or struggling in some way, check in on them and see how you can be helpful. At the very least, make an effort to remember their name and say hello when you see them.”
13. When in doubt, act neighborly
“Remember — be kind. To yourself, to your neighbor, their kids, their pets and their plants and trees,” says Felipe Quintana from Charter for Compassion. “Be forgiving: We all make mistakes — aim to be the best version of yourself. Allow everyone their space but stay there for them on the sidelines if they need a friend. It all comes back in the end!”
14. Keep it friendly
“Being a good neighbor means being friendly and helpful, without being intrusive. Giving a wave and a hello with sincerity is felt and appreciated,” says Mary Ann Brennan, the Director of Rental Services for Del Val Realty & Property Management.
“Love your neighbor as yourself, but don’t take down the fence.” — Carl Sandburg
When you’re looking for a new place to live, make sure to ask your future landlord or property management company about the local community. While you can’t pick who your neighbors are, you can ask questions to get a sense of who could be living next door.
Charlsie Niemiec has spent the last 10 years working as a content marketing and social media editor and strategist. With in-house experience ranging from The Elf on the Shelf to CNN to Piedmont Healthcare, Charlsie has freelanced for the last four years with clients ranging from ESPN to the Atlanta Beltline. When she’s not copyediting or scrolling on Twitter, she is walking her very scruffy wirehaired terriers mixes Leonard and Biscuit or probably watering one of her 54 houseplants.
Buying insurance coverage helps keep you protected from the full financial fallout of an accident or injury. But even with insurance, you’ll probably still be responsible for some costs when you file a claim.
An insurance deductible is the amount of money the insured party is responsible for at the time of loss or damage: it’s the cost you have to pay before the insurance company pays out its share.
Here’s what you need to know about the different types of insurance deductibles and other insurance-related costs you may face.
What Is a Deductible?
When you buy insurance, you’ll encounter several different costs depending on the type of coverage you’re purchasing. These may include monthly premiums, copays, out-of-pocket maximums, and possibly others.
The vast majority of insurance policies, whether they’re auto, health, or homeowners, carry a deductible. So what is a deductible, and how does it work?
The deductible is a sum of money you, as the insured party, are expected to pay toward a loss. Another way to think about it: It’s the amount the insurance company deducts from the total claim and asks you to pay.
For instance, say you get into a car accident in which you sustain $8,000 worth of damage and you have a $1,000 deductible. When you file your claim, you’ll pay $1,000 toward repairs and the insurance company will cover the remaining $7,000 (or up to whatever limits are laid out in your insurance contract).
Your deductible can be a fixed dollar amount or a percentage, depending on your individual plan and the kind of insurance policy you’re talking about. Homeowners insurance, for instance, is commonly offered with deductibles calculated as a percentage of the property’s total insured value.
It’s important to understand that your deductible is separate from your premium, which is the amount of money you pay each month in order to keep your insurance policy active.
Also remember that you may also be responsible for other insurance-related expenses, like copays or coinsurance, so always read the fine print carefully. 💡 Quick Tip: If you have a mortgage, a homeowners policy may be required by your lender. Surprisingly, unlike auto insurance, there is no legal mandate to carry insurance on your home.
Copay vs Deductible
With certain types of insurance — primarily health insurance products — you may be required to pay a copay each time you go to the doctor’s office or receive a covered service. This copay is separate from your deductible, and, generally, your copay doesn’t count toward your deductible amount.
As with other types of insurance, the health insurance deductible must be paid by the insured person before the insurance company begins its coverage. However, individual health plans may cover certain services, such as regular check-ups, even before the deductible is paid in full.
Here’s an example: Say you twist your ankle and visit your doctor, who orders an MRI. If your copay is $25, you’ll pay $25 at the office before or after you see your physician. If the total cost of the doctor’s care and imaging services is $1,000 and you have a $500 deductible, you may still be responsible for the full $500. Any copays you’ve paid along the way won’t be subtracted from your deductible.
Some plans may carry a coinsurance cost rather than a copay. The two are similar, but not identical. Coinsurance is an amount you pay when you receive a medical service, separate from your deductible. Unlike copays, which are charged at a fixed dollar amount, coinsurance is calculated as a percentage of the total cost of the service. Your plan might even include both copays and coinsurance.
All insurance policies are different, and your individual costs and experience may vary depending on the services you’ve received and the specific coverage you have. You can consult your insurance paperwork or contact your insurer for full details on what’s covered in your plan.
Out-of-Pocket Maximums
Health insurance policies in particular are subject to federally mandated out-of-pocket maximums. This is the highest total dollar amount you’ll have to pay toward covered healthcare over the course of a single year, including both deductibles and copays.
The out-of-pocket maximum does not include the amount you pay toward your monthly premium, however. Nor does it include out-of-network services or services that your plan expressly does not cover.
For 2023, the out-of-pocket maximum for a Marketplace plan can’t be more than $9,100 for an individual or $18,200 for a family. In 2024, that limit rises to $9,450 for an individual or $18,900 for a family. (The maximum is allowed to be lower, however, so consult your plan paperwork for full details.)
Do You Want a High or Low Deductible?
When shopping for insurance coverage, you’ll likely have a range of options to consider, including varying deductible costs. And when it comes to figuring out whether you want a high or low deductible, the answer is: It depends.
Generally speaking, the lower your deductible, the higher your premium will be and vice versa. This makes sense when you think about it. If you have a low deductible, the insurer will have to pay out a higher amount when you incur a loss. So in exchange for the promise of covering most of the costs when a claim is filed, the company expects you to pay more up front in the form of a higher premium.
While choosing a higher deductible can help you save money over time since your monthly premiums will be lower, it also means you’re assuming more risk. If something happens and costs are incurred, you’ll be responsible for a larger share of those expenses.
On the other hand, choosing a lower deductible means you’ll likely pay a higher premium each month. But you’ll also have less to worry about if you do need to file a claim, since the insurance company will cover more of the costs (assuming that all the damages and expenses are covered under your policy).
As with so many other financial matters, what’s right for you comes down to a number of factors, including your risk tolerance, budget, and even your lifestyle. If you participate in extreme sports, for instance, and are at risk for catastrophic injuries, you might want to pick a health insurance policy with a lower deductible and higher premiums.
Recommended: How Much Is Homeowners Insurance?
Zero-Deductible Insurance: Is It a Thing?
You may see ads for zero-deductible insurance policies and wonder if they’re too good to be true. While zero-deductible insurance policies do exist, they usually carry higher premiums than policies that do carry deductibles, and you may also be responsible for a one-time no-deductible fee or waiver.
Furthermore, some insurance coverages are required by state law to carry a minimum deductible, particularly when it comes to auto insurance.
Before you sign up for any kind of insurance coverage, be sure to read the contract thoroughly to ensure you understand what costs you’re responsible for.
Recommended: What Does Auto Insurance Cover?
Types of Deductibles
There are many different types of insurance policies with deductibles on the market. Common ones include:
• Health insurance deductibles
• Auto insurance deductibles
• Homeowners insurance deductibles
• Renters insurance deductibles
• Life insurance deductibles
The deductible amount varies by type of insurance, company, and plan, among other factors. 💡 Quick Tip: Online insurance tools allow you to personalize your coverage for homeowners, renters, auto, and life insurance — all with zero paperwork.
The Takeaway
Purchasing insurance is an important — and sometimes legally mandated — step toward protecting yourself from the high costs of personal accidents, property damages, and medical bills. But most policies involve set costs, including deductibles. This is the portion of the claim the insured party is responsible for paying.
Whether you’re comparison shopping or switching from your current plan, it’s important to understand what your deductible will be. Having a full picture of all the costs involved can help you find coverage that fits your life and finances.
When the unexpected happens, it’s good to know you have a plan to protect your loved ones and your finances. SoFi has teamed up with some of the best insurance companies in the industry to provide members with fast, easy, and reliable insurance.
Find affordable auto, life, homeowners, and renters insurance with SoFi Protect.
Insurance not available in all states. Experian is a registered service mark of Experian Personal Insurance Agency, Inc. Social Finance, Inc. (“SoFi”) is compensated by Experian for each customer who purchases a policy through Experian from the site.
Coverage and pricing is subject to eligibility and underwriting criteria.
Ladder Insurance Services, LLC (CA license # OK22568; AR license # 3000140372) distributes term life insurance products issued by multiple insurers- for further details see ladderlife.com. All insurance products are governed by the terms set forth in the applicable insurance policy. Each insurer has financial responsibility for its own products.
Ladder, SoFi and SoFi Agency are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other, Social Finance. Inc. (SoFi) and Social Finance Life Insurance Agency, LLC (SoFi Agency) do not issue, underwrite insurance or pay claims under Ladder Life™ policies. SoFi is compensated by Ladder for each issued term life policy.
SoFi Agency and its affiliates do not guarantee the services of any insurance company.
All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, SoFi is not involved and has no control over the products or services involved. The Ladder service is limited to documents and does not provide legal advice. Individual circumstances are unique and using documents provided is not a substitute for obtaining legal advice.
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.
According to the Lost & Found survey by Pixie, nearly one in four Americans misplace their house or car keys twice a week. Having a spare key is quite handy if you find yourself locked out of your apartment.
Where do you hide a spare key when you live in an apartment?
Hiding a spare key in your car or at a house is typically pretty easy, but knowing where to hide a spare key for an apartment is trickier. After all, there aren’t as many nooks and crannies where a spare key can go. Plus, you want to make it easy to find but not obvious to anyone who might be looking for it. However, with a little creativity, there are some great spots where you can hide a spare key for your apartment.
1. Tuck it in your décor
If you routinely decorate your apartment entrance, this could provide an ideal hiding place for your spare key. For instance, you could tape it inside your door knocker or attach it to your wind chimes. If you change out your décor to reflect the season or holidays and tucked your spare key in a wreath or other item, don’t forget to move it from the old décor and place it in the new.
2. Put it in a fake rock along the walkway
Fake rocks are a great option for hiding a spare key for your apartment. However, you shouldn’t place those fake rocks just anywhere — you don’t want to set one near your doorway because it will look out of place, immediately grabbing the attention of would-be thieves. A better location is the landscaping along the walkway to your building or alongside the building. Placing it on the ground among other rocks or under shrubs will camouflage your container. The goal is to make sure it looks natural wherever you place it.
3. Slip it in a magnetic key box under a staircase
Many people often slip a spare car key into a magnetic key box and hide that box somewhere in their car. You can use this same technique by putting your spare apartment key in a magnetic box and hiding it under a metal staircase. Or, you could attach it to the back of a light along the lighted corridor. Another good spot is on the rear of a metal gutter. Essentially, any magnetic surface will work, but make sure it’s not a spot that others may access often. For instance, don’t put it near electrical boxes that may require routine maintenance.
4. Hide it among your outdoor furniture
If you have a patio that’s easily accessible from the exterior of your apartment, you could hide a spare key on the furniture. Tape it under a chair or under your storage box for cushions. Another option is taping it to the underside of your barbecue grill. If you do, check the adhesive on the tape periodically to make sure it’s still securely taped to the grill. A birdhouse is another good hiding spot. Slip your key in there for when you need it, but make sure it’s easy to get out. Just skip the obvious places like under a potted plant or doormat.
5. Stash it under a balcony or deck
For apartment buildings with balconies or decks, you can stash a key in the nooks and crannies underneath the structures. When placing a spare key, check to make sure it won’t fall out easily or get washed away when it rains. Depending on the structure, you might be able to drive a nail into one of the wood posts and hang the key on it.
6. Leave a spare key with your neighbor
If you have a neighbor you know and trust, ask them to keep a spare key to your apartment. Not only will this be handy if you actually lock yourself out of your apartment, but they can help you out if you need someone to put a delivery in your apartment or check on your pets while you’re gone.
Where not to put a spare key for your apartment
When hiding a spare key for your apartment, skip the obvious spots that a would-be burglar may check. These include under the doormat, in or under a potted plant near the door or along the door jam. Although your apartment key would be out of sight, it likely wouldn’t be out of mind for someone trying to gain access to your apartment.
Also, while a fake wall socket or fake clock with a safe can provide a great hiding place, you need to install them in the wall, meaning you’ll need to cut a hole in the wall to place it. If you want to try this option, make sure you talk to your landlord before you make permanent cuts.
The right spot for the spare key for your apartment
Figuring out where to hide a spare key to your apartment might seem difficult at first, but it might be easier than you think. Take a look around your apartment and building and see what good hiding spots you can find. From a metal staircase to a flowerbed to the lights in your hallway, you’ll be surprised at how many places you can find to hide a spare apartment key.
An experienced freelance writer, Karon Warren has covered home and real estate topics for more than 20 years for such outlets as Curbed Atlanta, Apartment Therapy, RealTrends and HotPads.com. She is a member of the American Society of Journalists & Authors.
Here’s how this social worker has paid off $28,000 of student loan debt in 15 months.
Today, I have a great debt payoff progress story to share from Taylor. Taylor is a social worker who is working on paying off $277,000 of debt and retiring early. She shares tips on how she is cutting her expenses, the ways they’ve increased their income through various side hustles, house hacking advice, and how she qualified for an $88,000 student loan award.Enjoy!
Now, don’t let the title deceive you into thinking we are debt free; we most certainly are not.
As of this writing, we still have $251,195.39 of debt (all student loans).
This is our story about the debt payoff strategies we used in paying off $28,026.02 of debt and our goals for the future!
Who are we?
My name is Taylor, and I am a 29-year-old medical social worker who finished grad school in 2018. I am also a part-time social media coordinator and with both jobs combined, I make $96,000 (gross).
I live with my husband, Bret, who I have been with for 11 years and married for 3. He is a full-time student and has been in grad school since September 2020 (he has about 2 more years left). We love to travel, try new restaurants, hang out with our friends and family, and just have a good time.
I also have a blog at Social Work to Wealth.
Related articles:
How did we get here?
First, I need to give you some background before we get into the nitty gritty of our debt numbers and payoff strategies.
2012: We met when both of us were in college. I was 18 and Bret was 22. Soon after we met, Bret took a few years off from school while I finished my bachelor’s. I relied entirely on student loans, and don’t remember applying to any scholarships. When Bret returned to school to finish his bachelor’s, he did receive some scholarships and worked a summer job to pay forhousing but still needed to rely on student loans to pay the bulk of his tuition.
I will speak for myself when I say I didn’t take the time to calculate how much loan money I actually needed and blindly accepted the total amount. Looking back, maybe I would have needed it all or maybe not, but I wish I would have at least done the exercise.
We have always been open with talking about our debt and money in general, but I remember us both expressing the thought that we would probably always have our student loans. We would just live our life, pay our minimum payments, and that would be that. There was never any talk about debt payoff strategies, or any money management strategies, really.
We went through many life transitions. Living apart for two years while I went to grad school, him returning to school to finish his bachelor’s, various jobs, and a post-bach program.
2019: Bret was finishing up his post-bach program and got accepted into grad school. We were newly engaged and began planning and saving for our wedding scheduled for July 11th, 2020. Such exciting stuff!
March 2020: We got the news our wedding venue was closing for the foreseeable future due to the COVID-19 pandemic, and we decide to cancel our wedding. We switched gears and used the money we saved for a down payment on a new home. Then, we had a small intimate wedding featuring a hot-air balloon with 18 of our closest family members! We personally saved a ton and also had tremendous help from our family.
September 2020: I start a new job and Bret starts grad school. We are newlyweds and settling into our new home in a new city.
I wish I could talk more about 2020 because it was a HUGE year for us with buying a home, moving, getting married, Bret starting grad school and me starting a new job, but that’s a conversation for another day!
From frugal to spenders
When we were saving for our wedding, we were very frugal. Any extra money we had, we put toward our wedding savings (which again, ended up being used for the down payment on our house and a smaller wedding ceremony).
We went from frugal to swiping our cards left and right to prepare for our wedding and furnish our house. It was sooo nice to finally be able to spend the money we had been saving for so long! But this continued into 2020… and 2021…
We were mostly spending on eating out and experiences. We do like to buy “things” but we definitely value food and experiences a lot more. We even decided to put a trip to Hawaii on our credit card costing us around $5,000, along with other expenses, because why not? We deserved it!
We didn’t have much of a budget, our bills were getting paid, but the credit card bill kept increasing. Since I was the only one bringing in income, we took out some student loans to help with a portion of our living expenses. And the credit card bill continued to increase.
The “wake-up call”
The “wake-up call” is such a theme throughout many debt payoff stories. So, here’s mine.
I went to breakfast with two friends in December 2021, and one of them brought up high-yield savings accounts (HYSA). I had never heard of this type of account before and was shocked to learn that these savings accounts had a way better interest rate than a regular savings account.
How was I just hearing about this at 28 years old? My mind was blown!
I thought, what else don’t I know? So of course, that led me to deep dive into the world of personal finance. I consumed any book, video, blog, or podcast I could get my hands on. I read stories after stories of people paying off thousands of dollars’ worth of debt, leveraging credit card points for free travel, investing, and so much more!
It was so motivating. I was hooked! (And still am.)
Bret was open and willing for me to share with him what I was learning. We started realizing that for the last year and a half, we hadn’t been telling ourselves “No”. We had just been buying whatever we wanted, and we had the credit card bill and no savings to show for it.
We learned that we could pay off all our debt and it didn’t have to stay with us forever. We learned there was a way to use a credit card responsibly (we thought we were). We learned that we could even retire early. That one sounded real nice! We dreamed of having more time doing our hobbies, traveling and being with our friends and family. And if we ever had kids, we dreamed of being able to work part-time so we could be home more with them and available for school activities.
Knowing this, we started reining in our spending, trying to just be more “mindful”, but no major change was made.
We take on more debt
April 2022: People in our neighborhood were getting new fences. We started thinking, “Hey, we need a new fence, too…” In some areas it was broken, it hadn’t been stained so was rotting, and was 15 years old. We were also going to get an updated appraisal to see if we could get our primary mortgage insurance (PMI) removed after just two years of owning our home and thought a new fence might help.
A coworker told me she was using a home equity loan to buy a fence and to do some other home renovations. We investigated options and ended up opening a $20,000 home equity line of credit (HELOC) instead with about a 4% interest rate. We buy our fence which ends up being about ~10,000 and we were set on it…
The second “wake-up call”
When it was all said and done, we loved our fence. We still love our fence, it’s beautiful! (And it better be at that price!) We stained it and we believe it will last us for many years.
But we start talking again about our debt and how we probably didn’t need this fence right now. We know we didn’t need this fence right now. Our PMI was removed, and it could have maybe happened even without the fence. Who knows.
We began thinking we need to make some serious changes in the way we manage our money. We need to do more than just be “mindful” about our spending. We make a real plan. We plan to make an actual budget, stop taking on unnecessary debt, and take a break from using our credit cards for the foreseeable future.
May 2022: Beginning of our debt payoff journey
Since we were serious about our new money management changes, I documented how much debt we had so we could track our progress.
$277,721.41
Here was the breakdown:
$260,390.25 in student loans, Bret & I’s combined – various interest rates
$10,676.24 HELOC – 4% interest rate
$5,430.76 is from credit card spending – 4% interest rate*
$449 for furniture – 0% interest rate
$775.16 for Peloton bike – 0% interest rate
*We moved our credit card debt to our HELOC since our credit card was around a 25% interest rate.
July 2023: Current debt numbers
Our current debt balance is $251,195.39, * which are all student loans.
We have paid off a total of $28,026.02 of debt!
*Our current balance will increase to ~$255,000 once Bret gets his final student loan disbursement (more on that later).
I want to also mention that we do have our mortgage, but we aren’t trying to pay that down as quickly as possible for a few reasons: we have a 3% interest rate, we don’t plan on this being our forever home, and one day we might rent it out or sell it.
Actions that helped us pay off $28,026.02 of debt in 15 months
We found a budgeting method that worked for us
We realized we could live off my income alone and not take on anymore debt, but we would have to have a somewhat rigid budget.
Finding a budgeting method that worked for us took some time. I don’t know how many times over the years I have tried to track my expenses in a budget app or an excel sheet, only to find out it was too overwhelming and that I was still overspending!
I am a visual person and learned about the envelope budgeting method, so we decided to give that a try, but use a digital variation.
So, for our entire money management system we have 4 checking accounts and 2 savings accounts (short-term and emergency fund). Our checking accounts include bills, food and miscellaneous, and two personal spending accounts.
This may seem like a lot of accounts to some, but it has worked tremendously for us. I love having a separate account for each major category in our budget so I can easily see how much money we have left in a certain category without having to add every expense into an app or Excel spreadsheet. We are joint owners on all of these accounts.
We then use the zero-based budget method to determine how much goes into each account.
We do have multiple cards to manage, but the pros VERY MUCH outweigh the cons here.
And with our own spending accounts, we have a certain amount of money allotted to us each month, so we individually have some spending freedom. We don’t have to feel guilty and know this money is set aside specifically for our personal spending.
Cut expenses and increased our income
I know some people are tired of hearing about this recommendation, but it’s something that really did help us! We reined in our spending a bit but mostly we had to increase our income. At a certain point, there wasn’t much more to cut.
We didn’t have many streaming services, started to limit our eating out, we didn’t have car payments, and we meal planned and prepped. We did (and still do) aaalll the things. We had to increase our income somehow.
Ways we increased our income
My income increase
I continued with my second job as a social media manager and then started dog sitting.
I have been dog sitting for about 5 years and have primarily used the Rover platform to list myself as a dog sitter. I like this app because it’s easy to use and I can specify various services to offer (e.g., house sitting, boarding, drop in visits, day care, or dog walking).
It also allows me to mark which days I am available and then people reach out to me if I seem like a good fit and my availability matches with their needs! Setting up my profile took some time, but now that it’s done, everything else is fairly low maintenance.
I now just have to respond to inquiries in a timely manner and set up a meet and greet if it seems like a good fit.
I currently only offer house sitting and on Rover and I charge $65/night. Rover takes a cut, so I end up pocketing $52. I also have private clients who pay me directly, and I have gotten those by referrals from past Rover clients. I charge my private clients $40/night.
I recently increased my rates on Rover and have been slow to increase my price with my private clients because they’re loyal.
I don’t make a ton of money dog sitting, but I am able to make a couple hundred dollars a month. My schedule is very limited, but there are people with better availability who make significantly more than I do!
I love animals and we don’t have any due to our sporadic work schedules, so it’s a great way for me to spend time with pets and get paid, too!
Bret’s income increase
Last year, Bret decided to take a break from grad school and soon after, he was offered a summer job in Alaska.
When we first started dating, he used to spend almost every summer there working for a family who owned a set-netting fishery. His uncle had spent many summers in Alaska working for this family and one summer brought Bret to work with him. They would catch salmon and sell it to a buying station in their area.
He went up there for about 6 summers in a row, until he got too busy with school and couldn’t go anymore.
He hadn’t been to Alaska in over 5 years, but someone who worked for the buying station remembered Bret, called him, and asked if he’d be interested in working at the buying station! Since he was already on a break from school, he said yes and worked up there for 8 weeks.
We were able to put every paycheck he earned towards our debt because we could manage all our expenses on my income alone. It was also a great way for Bret to spend part of his summer and I was finally able to visit as I never gotten the chance in previous years.
House hacking
We also started house hacking! We had a spare bedroom and bathroom I would use for my office and occasionally, for guests. A friend of mine and her husband are really into the real estate space and gave us the idea to rent it out.
We weren’t comfortable with the idea of having a long-term roommate, and with both of us working in healthcare, we knew there was a need for short-term and furnished housing for travelling healthcare professionals.
For us, short-term meant renting for 1-6 months, but we were open to individuals staying longer if it worked well for everyone involved!
Some questions we had to address before renting:
Did we need a permit?
How much should we charge for the deposit, rent and pets?
What furniture and amenities are important for travelers?
Where should we list the room?
How to create a lease agreement?
In our county, we did not need a permit to rent out the room if we were renting for at least 30+ days at a time.
After researching rental prices in our area, I found rooms that were of similar caliber listed for $1,100 per month or more. We wanted to be competitive and so we initially settled on $900 per month and have steadily increased it. We have now landed on $995 per month which includes all utilities and internet.
We set the deposit at $995, with an additional $300 for a pet deposit, and no ongoing pet rent.
We wanted to upgrade the furniture in the room and IKEA was a great place for us to find affordable, durable, and aesthetically pleasing furniture. We made sure the room had a bed, large dresser, bedside table, and we kept my desk in there too.
I read it’s important for travelers to have their own TV available so they can unwind in their room. We were able to find a decently priced smart TV off Facebook Marketplace.
Furnished Finder is where we decided to list our room, which started out as a platform for traveling nurses to find furnished housing. It is now used heavily by many healthcare professionals, students, and professionals in other fields.
Travelers reach out to us through the Furnished Finder website and if the dates work out, we move forward with scheduling a video interview. It’s important for us to be able to talk to the person, even if it’s just over video, and we want them to see our faces and home in real time as well.
For the lease agreement, we used ez Landlord Forms, because they have leases for each state with specific information on what’s required to include.
We don’t ask for anything major from tenants. The most important things to us are that they are respectful of our space, don’t smoke in the house, and pay their rent on time. We also added a page at the end for tenants to add two emergency contacts in case we need to call someone on their behalf.
We have had 4 renters so far with the room being occupied for 13 out of the last 14 months. It has really helped us with our debt payoff goals and we have also met some awesome people through the process! We plan to continue renting it out for the foreseeable future.
Applied for in-state student loan help
My state offered a program called the Oregon Behavioral Health Loan Repayment Program where they help minorities in the behavioral health field, or those who serve them, pay back their student loans.
This program is funded by The Behavioral Health Workforce Initiative which has the goal of recruiting and retaining behavioral health providers who, “Are people of color, tribal members, or residents of rural areas of Oregon, and can provide culturally responsive care for diverse communities.”
To apply, I had to show I was employed and actively providing behavioral health services and give them detailed documentation about my student loans. I also had to answer two essay questions related to being a part of and/or working with communities who are underserved and how my training has equipped me with supporting these communities.
I applied last year and was a recipient of an award!
As a recipient, there is a two-year service commitment which means I have to continue providing some sort of behavioral health service during that time frame (which I planned to). Over the next two years, I will be getting ~$88,000 in quarterly disbursements to put towards my student loans. So far this year, I have received ~$11,000, and it’s been life changing to say the least!
Alongside this support, I am also pursuing Public Service Loan Forgiveness (PSLF) for additional student loan relief.
Managing our mental health while paying off debt
Since I am a social worker, I often think about how money and debt affect individuals’ mental health. It’s one of the reasons why I started my blog in the first place.
I realized managing money is a universal task and many of us don’t know what we are doing because talking about money is taboo. And when you have financial stress, it can really take a toll on your mental health. So, I wanted to share our journey in hopes of helping others.
Bret and I aren’t those individuals who want to avoid eating out and fun experiences until we are debt free. And, we are also privileged to not have to take those extreme measures either. It has been important for us to make this journey sustainable and not deprive ourselves of experiences while we are going through it.
Here’s how we are making our journey sustainable:
Still going out to eat
Budgeting for personal spending money, aka fun
Setting realistic debt payoff goals
Putting aside money for travel
Not comparing and thinking other people are better than us because they’re able to pay off their debt quicker
Tracking our debt payoff progress (we use Excel). With so much debt left to pay off, being able to see our progress is really motivating
Openly talking about our debt. Avoidance is a coping mechanism for many, for us, acknowledging and addressing it has been so freeing (but it wasn’t always this way).
Talking about our dreams and reminding ourselves why we want to do this in the first place
We know that if we eliminated going out to eat, budgeting for fun, or both, we could be paying off our debt much quicker. However, that sounds miserable to us. It’s worth it to still go out to dinner, travel, or buy plants (in my case) than to deprive ourselves of the joy these things bring.
We are making great progress and we know in time, we will be debt free.
Our debt payoff journey is not linear
A few months ago, we decided to take out $6,000 of student loans. Bret currently has a full tuition scholarship, so we are tremendously lucky in that regard, but he just learned about some conferences that would be really helpful to his professional growth. We have gotten $1,500 of this loan money already which is included in our current debt balance, but we haven’t received all of it yet.
We could have pinched and saved to avoid taking on any of this debt, but that would have caused me to work more than I currently am. Again, not in line with our current goal of making this journey sustainable!
We were very intentional about how much to take out. We estimated how much he would need for a few conferences and declined the rest. We even opened a separate savings account for the money to make sure it didn’t get accidentally spent on anything.
I’m SO proud of us for that!
The goal here is progress not perfection. So cliche, I know. But we are learning how to think critically about our money, spend thoughtfully, use our money as a tool to reach our goals, and enjoy our life along the way. And right now, that meant taking on a little more debt.
We are moving in the right direction, and we know when he starts working, that will really accelerate our debt payoff journey since we have proven to ourselves we can live on my income alone.
Our plan going forward
Bret is still in school which means his loans are on deferment, so we currently have his on the back burner.
With the loan payment assistance I am receiving, it’s allowing us to put any extra money we have each month towards our savings. Our priority right now is building up a good emergency fund of about $16,000 (~4 months’ worth of expenses).
This has been difficult because of inflation and just little emergencies that keep popping up, but we are slowly making progress.
I am also prioritizing investing in my employer retirement plan, but only up to the amount that gets me my employer match which is 6% of my income.
Bret will be graduating in 2025, so at that time, we will pivot to incorporating his loans into our budget. Our goal is to be debt free by 2028.
It will take a lot of discipline and persistence, but I think we can do it. I am manifesting it!
We want to continue to learn, implement, and grow. We want to keep having transparent discussions about money and building our money foundations. And I personally want to continue sharing our journey with hopes of inspiring, encouraging and educating others. Here’s to sharing the wealth.
Do you have debt? What are you doing to pay it off?
Taylor is a social worker and personal finance blogger at Social Work to Wealth where she shares tips, resources, and lessons learned on her family’s journey to paying off $277,000 of debt and retiring early. She hopes to inspire and empower social workers with financial education so they can have a better relationship with their money. When she’s not working or blogging, you can find her traveling, gardening, trying a new restaurant, or buying too many plants.
Collecting and trading Pokémon cards has been a popular hobby since the 1990s for both children and adults. In fact, as a kid, I was obsessed with Pokémon cards. I enjoyed opening new packs, collecting cards, and trading with my friends. And, I know I’m not alone. So many people have enjoyed Pokémon cards over…
Collecting and trading Pokémon cards has been a popular hobby since the 1990s for both children and adults.
In fact, as a kid, I was obsessed with Pokémon cards. I enjoyed opening new packs, collecting cards, and trading with my friends. And, I know I’m not alone. So many people have enjoyed Pokémon cards over the years as well.
As the value of certain cards continues to rise, finding the best places to sell your collection of Pokémon cards is more important than ever.
Whether you’re looking to make some extra cash, simply downsize your Pokémon card collection, or if you are decluttering everything you own and find a long lost box of childhood mementos, knowing where and how to sell your Pokémon cards can be important to make the most money.
In this article, I’ll discuss some of the best places to sell Pokémon cards online and locally and provide tips on how to price and present your cards in the best way.
Quick Summary
Identify and evaluate the value of your Pokémon cards before selling. Some cards are worth way more than others. For example, one card may be worth $0.10, and another may be worth over $100,000.
Look at your different selling options to see how you can get the most money.
Learn effective selling tips and strategies for presenting your cards to potential buyers.
How To Sell Pokemon Cards
Selling your Pokémon cards can be an exciting and profitable way to make money, especially if you have rare, holographic, or near-mint-condition cards in your collection.
To help you make the most profit, follow these tips to find the best places to sell your Pokémon cards. Before starting your Pokémon cards selling journey, it’s important to know your cards’ condition, rarity, and type.
Related: How I Made $40,000 In One Year Selling Items
Near-mint cards with no creases, scuffs, or whitening edges tend to have a higher value. Also, rare and holographic cards, like the famous Charizard, are highly wanted by fans, collectors, and trading card game enthusiasts, making them valuable in the Pokémon card market.
To figure out how rare your Pokémon card is, look for the symbols in the bottom right corner of your card and if you have a lot of cards, then you should become familiar with the Pokémon card rarity indicators, as well as the different sets and booster packs in which your cards were released.
For more accurate valuations, you may even look for professional grading services, such as Professional Sports Authenticator (PSA). They evaluate and grade cards based on their condition, ensuring buyers of their authenticity and quality.
If you’re selling Pokémon cards online, make sure to take clear, high-quality pictures that showcase your cards’ condition, as this will give potential buyers a better idea of what they’re purchasing.
By following these tips and tricks, you’ll be prepared to sell your Pokémon cards and get the most amount of money.
Best Places To Sell Pokemon Cards Online
There are many ways to sell Pokémon cards online. Here are some Pokémon selling sites to start with:
1. eBay
eBay is one of the most popular marketplaces for selling Pokémon cards due to its large reach of customers around the world.
I did a quick search on eBay and there are currently over 160,000 Pokémon cards for sale – so they definitely have a huge market!
You can choose to sell your cards through auctions or fixed price listings. When selling on eBay, be mindful of the seller fees and PayPal fees that will be deducted from your earnings. Shipping will also be another cost.
eBay is especially good for selling valuable cards, such as holographic cards or rare Charizard cards. To reach a wider audience and increase the chances of a successful sale, make sure you write detailed descriptions and add high-quality photos of your cards so that people are more likely to click on your listing.
2. Troll and Toad
Troll and Toad is an online store that specializes in collectible card games, such as selling Pokémon cards and they have been around for over 25 years.
They offer a buy list where you can sell your cards for cash or store credit. To sell on Troll and Toad, simply use their search bar to find the cards you want to sell, add them to your cart, checkout, and then ship your cards to them.
This is a great feature of Troll and Toad – the fact that you can see the exact cards they will accept and the exact amount that they will pay you for each Pokémon card. As you will learn below, many of the Pokémon card selling websites have this same feature, which is so helpful!
After you complete the list of cards that you plan on selling to them, you will print out an invoice that they give you, and then choose a payment method. Then, you will ship your box of Pokémon cards to them. Once they receive the package, they will verify the cards that you have sent to make sure they are in the correct condition as you stated. After that, they will pay you.
Troll and Toad also accepts Pokémon cards in bulk.
Keep in mind that they may be selective about the cards they accept, so it’s important to research and determine the value of your cards beforehand.
3. Mercari
Mercari is a site where you can quickly set up an account and start selling your used items, such as Pokémon cards. This site is not dedicated to just Pokémon cards, but they do have many listed and it is an easy option for Pokémon collectors.
There are well over 1,000 Pokémon cards listed on Mercari.
It’s important to create persuasive listings with photos and a relevant, detailed description, and include relevant keywords related to Pokémon cards. (Remember, they don’t just sell Pokémon cards, they also sell clothes and other items, so keywords are important!). Also, Mercari takes a minimum 10% fee from each sale you make on their platform.
4. TCGplayer
TCGplayer is a popular site with card game collectors in the U.S. and Europe.
People love selling on this site because they say it’s easy to use and they have great customer service.
To sell Pokémon cards on TCGplayer, simply list your cards on the TCGplayer marketplace, set your prices, and wait for potential buyers to purchase them. The marketplace handles the transactions, making the selling process easy.
Note: You will have to pay a commission fee of around 12–13% for each sale you make on TCGplayer, and you might also have shipping costs.
Here’s a quick guide on how to sell Pokémon cards on TCGplayer:
Create a seller account – You will need an account to get started selling Pokémon cards.
Set up your inventory – Once your seller account is created, you can start listing your Pokémon cards for sale. Enter details like the card’s name, set, condition, and quantity available.
Pricing your cards – Decide on the prices for your Pokémon cards. You can either manually set the prices or use TCGplayer’s automated pricing tool to match the market rates. TCGplayer has a pricing algorithm to help sellers be competitive and adjust prices based on the market demand.
Shipping options – Decide on the shipping options you will have for buyers.
Receiving payments – TCGplayer usually collects payments from buyers, processes the orders, and then deposits the money into your seller account. From there, you can withdraw your funds.
Maintain your inventory – Keep your inventory up to date. Remove sold items and add new ones to reflect the current availability of your Pokémon cards.
5. Card Cavern
Card Cavern is an online store that specializes in buying and selling Pokémon cards.
They have a straightforward buylist system where you can quickly find the cards they’re interested in and the prices they’re willing to pay.
Then, you ship your cards to them (they recommend purchasing tracking and insurance).
If you choose to sell your cards to Card Cavern, you’ll receive payment through PayPal or receive store credit, depending on your preference.
Their buy rates only apply to near-mint, English, tournament legal cards. You can send as many or as little Pokémon cards as you want to Card Cavern.
6. Dave & Adam’s
Dave & Adam’s is an online store for trading cards, including Pokémon cards, and it has been around for over 30 years.
They offer a buy list where you can see which cards they’re currently interested in purchasing. If your cards match their buy list, you can submit a sell request, ship your cards to them, and receive payment via check, PayPal, or store credit.
If you have a big collection, they will even travel to you.
7. Pokémon Facebook Groups
Pokémon Facebook Groups are communities of Pokémon card collectors and enthusiasts who use the platform to buy, sell, and trade cards. Pokémon Facebook Groups are exactly what you think – Facebook groups for Pokémon card collectors.
This can be a great place to sell your Pokémon cards because these groups are filled with people who are very interested in buying Pokémon cards.
These groups allow you to talk directly with fellow collectors and cater to various interests, such as specific regions, sets, or rarity levels.
To sell your Pokémon cards in these groups, make sure you follow group rules, post clear photos, and respond quickly to potential buyers’ inquiries.
8. CCG Castle
CCG Castle is a website that specializes in games since 2007.
They buy Pokémon cards that you no longer need and have a buy list on their site that will tell you exactly what they are accepting and how much they will pay you for it. They pay in either PayPal cash or store credit.
Best Places To Sell Pokemon Cards Near Me
If you’re looking to sell your collection or particular Pokémon cards, there are several options near you to consider. This section will cover the best local places where you can sell your cards, such as Facebook Marketplace, comic book stores, pawn shops, and Craigslist.
9. Facebook Marketplace
A popular and easy way to sell your Pokémon cards is through Facebook Marketplace. Nearly everyone has a Facebook account, so it can be easy for you to get started, and it allows you to connect with local buyers who might be interested in your cards.
Posting on Facebook Marketplace is simple, and you can include photos, descriptions, and set your price. Also, you can communicate with potential buyers through Facebook Messenger, making it easy to negotiate and set up a meeting location.
There are no listing fees when selling on Facebook Marketplace, which means that you get to keep everything you earn. But, you do have to handle everything yourself.
10. Local comic book stores
Comic book stores, particularly those that specialize in trading cards, card games, and board games, can be a great place to sell your collection.
Many local comic shops are interested in buying Pokémon cards to stock their inventory for other gamers and collectors.
You can visit stores in your local area, ask if they purchase Pokémon cards, and provide the store owner with a list or photos of your cards. They may make an offer on the spot or ask you to come back later. Remember, each comic store is different, so it’s a good idea to try a few stores near you to compare offers and don’t stop at just one.
11. Pawn shops
Another option to consider is pawn shops.
Pawn stores are known for buying various items, including sports cards and collectibles like Pokémon cards. Take your cards to a few pawn shops near you and see if they’re interested in buying your collection.
Keep in mind that pawn shops usually offer lower prices than other options (this is because selling Pokémon cards is not their sole business), but they can be a quick and convenient way to sell more popular cards.
12. Craigslist
Craigslist is a site for buying and selling various items locally – I’m sure you’ve heard of it. You can create a detailed listing for your Pokémon cards, including pictures, descriptions, and asking prices.
Interested buyers in your area can contact you, allowing you to arrange a meetup in a safe and convenient location.
Craigslist is usually a little more difficult to sell Pokémon cards on and that is because this site does not specialize solely in Pokémon cards and is very localized.
Where to Sell Pokemon Cards in Bulk
Selling your Pokémon cards in bulk may be something that you are interested in if you simply don’t have the time to look each one up.
When selling your Pokémon cards in bulk, it’s important to find the right platform. In this section, we’ll focus on three popular options: Full Grip Games, Safari Zone, and Sell2BBNovelties. With their unique offerings and easy-to-sell process, these companies can help you get the most value for your collection if you simply don’t have the time or have too many cards to sort through.
13. Full Grip Games
Full Grip Games is a local game shop in Ohio that buys bulk Pokémon cards online and in person.
At Full Grip Games, they make it easy for you to sell your bulk cards in increments of 100 or 1,000. Also, they accept rares and other card types as well. To make things simpler for you, their website has a bulk buy list that breaks down all the packs and cards they accept along with individual prices.
To get started, follow these easy steps:
Click on the “Buylist Instructions” link on their website.
Choose their full singles buylist or their bulk buylist.
Select the cards in your collection according to the buylist.
Review the pricing and total value of the cards submitted.
Once done, send the cards following their shipping instructions.
Once they receive your bulk cards, it will take them around one week to go through them. For the cards they accept, you can get paid via PayPal, store credit (you will get a 30% bonus if you choose the store credit option), or check via USPS mail.
14. Safari Zone
Safari Zone is another great option to consider for selling your Pokémon cards in bulk. They accept a wide range of cards, but they do need to be in near-mint condition.
Here’s what you should do to sell your cards on Safari Zone:
Create an account on the Safari Zone website.
Review the cards they purchase on their buy list.
Enter the card details.
After submitting the card information, you’ll receive a quote for your collection.
Ship your cards to Safari Zone, and they will process your payment after validating the cards.
Safari Zone only pays via store credit.
15. Sell2BBNovelties
Sell2BBNovelties is a website that has been around since 1999 that specializes in toys and collectibles, such as Pokémon cards.
They have an easy platform to sell your Pokémon cards in bulk and accept various card types, including rares, holographic, and common/uncommon cards.
To sell your Pokémon cards on Sell2BBNovelties, simply:
Go to their website and click on the “Buying Prices” tab.
Select the cards you’re selling according to their buying list.
When you’re ready, submit the form. You’ll receive a confirmation email with the total value of the cards and further instructions.
Ship your cards to Sell2BBNovelties, and they will process your payment upon receiving and verifying your cards.
You can receive payment for the cards they accept in either PayPal cash or store credit.
How to Make a Website to Sell Pokemon Cards
If you have the time and a lot of cards, you may even be interested in starting a website to sell your Pokémon cards.
Creating a website to sell your Pokémon cards is a great idea to reach a wider audience and have lower fees. Of course, there will be more work in this because you will be managing everything yourself.
Choose a platform and create your design – Look for an easy-to-use platform to build your website – my favorite is WordPress. You will want to pick a clean looking design that customers can look at on both computer and phone. Most platforms have a variety of premade themes that you can use. You can also personalize your website by adding your logo, choosing colors that represent your brand, and adding images.
Organize your products – Categorize your Pokémon cards by sets, rarity, or other criteria that make sense for your target audience. Clear product descriptions and high-quality images of each card will help potential buyers too.
Set up payment and shipping – Choose a payment gateway to securely process transactions. Options like PayPal, Stripe, or Square are widely used and reliable. Choose shipping options and rates based on your preferred carriers and shipping destinations.
Create valuable content – In addition to listing your Pokémon cards, consider creating helpful content such as blog posts or videos that add value to your website and attract more readers and buyers. Providing informative content will establish you as an expert in the field and help drive traffic to your site.
Promote your website – Use social media, search engine optimization (SEO), or even paid advertising to increase page views to your website.
Related: How To Start A Website Free Course
Pokemon Card Selling Tips and Strategies
Selling your Pokémon cards can be an exciting way to make extra money, but it’s important to have a little strategy so that you can make the most money and find the most buyers.
Here are some tips for selling your Pokémon cards successfully.
Determine the value of your cards. You should research how rare the card is, the origin, and the condition of your cards, as these factors will affect their worth. Keep an eye out for rare and valuable cards (such as first edition cards and illustrations), as these will attract more interest from collectors. Grading your cards can help with this process – professional grading services can rate the condition of your cards and encapsulate them in a case, increasing their value.
Consider where to sell your cards.There are numerous platforms for selling Pokémon cards online, such as eBay, where you can list your cards as single items or in an auction format. There are also more specialized Pokémon selling websites which are dedicated to trading cards. These sites often have dedicated communities of potential buyers who are very interested in Pokémon cards.
Write clear and accurate descriptions of your cards.You should always be clear and honest about your card’s condition. For example, are there any scratches or bends? Is there a tear or water damage?
Ship your cards carefully.Carefully package your Pokémon cards to protect your cards from damage during transit. You will want to keep your cards waterproof and not use rubber bands (rubber bands can damage the cards). Also, consider offering a tracking number and insurance to your buyer as an additional layer of security. Many of the Pokémon selling sites above have a very exact way they want you to ship the cards to them to prevent any damage, so be sure to see what their rules are.
By following these Pokémon card selling tips and tricks, you can increase the chances of finding the best places to sell your Pokémon cards.
Frequently Asked Questions
Here are answers to common questions about selling Pokémon cards.
How do I know if my Pokemon cards are worth money?
So, how do you know if the Pokémon cards that you have are worth anything? Many people have Pokémon cards, probably stuffed in a box somewhere, or maybe you came across some.
Whatever your reason is, yes, your Pokémon cards may be worth something.
Knowing the value of your Pokémon cards is important before selling, and there are a few key things to think about.
First, look at the rarity symbols on your cards: a circle indicates a common card, a square represents an uncommon card, and a star denotes a rare card. These symbols help you determine the rarity of your cards and their potential worth.
The condition of your cards also plays a big role in their value. Cards in mint condition, meaning they have no visible wear or damage, are worth more than cards with minor imperfections. Holographic cards, especially in mint condition, can be more valuable.
To take it a step further, you could even get your Pokémon cards professionally valued and graded by a reputable company like PSA. Grading involves a professional inspection of your card’s condition, assigning a numerical grade based on factors such as centering, corners, edges, and surface. The higher the graded number, the better the condition and, often, the higher the value.
Keep in mind that while Pokémon cards typically have higher values, other trading card games like Yu-Gi-Oh can also be valuable. Make sure to research the prices of similar cards sold recently, and compare the condition of your cards to decide if they’re worth selling.
How do I sell Pokemon cards for cash?
To sell your Pokémon cards for cash, first organize your cards by set and look for rare ones to see what you have. Once you’ve prepared your collection, follow the selling instructions on your chosen platform.
You can sell your Pokémon cards online, locally near you, and even in bulk.
Where can I find buyers for my Pokemon cards?
You can find buyers for your Pokémon cards on online marketplaces, local card shops, and social media groups. Websites like eBay and TCGplayer are popular places for selling Pokémon cards, as well as community forums and local collector’s events.
What are some reputable websites to sell Pokemon cards?
There are many reputable sites to sell Pokémon cards as we discussed above, such as:
eBay
Troll and Toad
Mercari
TCGplayer
Card Cavern
Dave & Adam’s
Pokémon Facebook Groups
Full Grip Games
Safari Zone
Sell2BBNovelties
Where is the best place to sell Pokemon cards?
The best place to sell your Pokémon cards depends on your preferences. eBay gives you a worldwide market and you are probably already familiar with their platform.
TCGplayer and Troll and Toad specialize in trading card sales and have a lot of Pokémon cards for sale.
Pokémon Facebook Groups are a great way to connect with those interested in Pokémon cards, and there are no listing fees – but you would be dealing with people on your own and handling everything yourself.
Are there any local stores that buy Pokemon cards?
Some local stores, like comic book shops, game stores, and pawn shops, may buy Pokémon cards. You can call local stores to see if they buy cards before bringing your collection in person.
Can you sell Pokemon cards on Etsy?
Etsy is generally geared towards handmade and vintage items, so it’s not an ideal platform for selling Pokémon cards. It’s best to stick with platforms like eBay, TCGplayer, or Troll and Toad for selling trading cards.
I did a search for Pokémon cards on Etsy and it said there were 43,326 results, but I think many of these are for custom art, in that they would be turning a picture of you or your pet into a Pokémon card. So, not the same thing.
Can I sell Pokemon cards on eBay?
Yes, you can sell Pokémon cards on eBay. It is one of the most popular sites for selling Pokémon cards and it gives you control over pricing and listing options.
Can you sell Pokemon cards at GameStop?
GameStop typically does not buy or sell individual Pokémon cards.
Do pawn shops buy Pokemon cards?
Some pawn shops may buy Pokémon cards, especially if they are valuable or rare. Call your local pawn shops or visit them in person to inquire about their interest in buying Pokémon cards. Remember, they do not specialize in Pokémon cards and have a smaller market, so you may not get as much for your Pokémon cards at a pawn store.
What does TCG and CCG mean?
As you’re going through the sites above looking for one of the best places to sell your Pokémon cards, you may come across these two terms. CCG means collectible card game and TCG means trading card game.
How can I determine the value of my Pokemon cards?
Figuring out the value of your Pokémon cards involves considering factors like:
rarity
condition
age
Websites like TCGplayer and Troll and Toad provide price guides and historical sales information to help you estimate the value of your cards.
How do I check the value of my Pokemon cards?
Check the value of your Pokémon cards by researching on websites like TCGplayer, eBay, and Pokémon Price. These platforms can give you a good idea of the current market value for individual cards.
Do you need a license to sell Pokemon cards?
You generally do not need a license to sell Pokémon cards, unless you’re planning to sell them by opening an in-person store. Check your local regulations to make sure you’re following any required guidelines.
How much is Charizard Pokemon card worth?
Charizard cards vary widely in value and can be worth anywhere from $25 to over $50,000. The Charizard Pokémon card that is worth the most is typically a mint condition 1st Edition from the base set.
What Pokemon cards are worth more than $100?
Some Pokémon cards worth more than $100 include rare Pokémon cards, such as first edition holographic cards from the original sets, high-grade cards, misprints, and promotional cards like the Pokémon Illustrator card.
What is the most expensive Pokemon card?
The most expensive Pokémon card varies over time; some examples include the Pokémon Illustrator card, the 1st Edition Charizard, or unique, one-of-a-kind promo cards handed out during official Pokémon events. The rarest Pokémon cards obviously cost more money and sell for more.
According to TCGplayer, the most expensive Pokémon cards include:
Pokémon World Championships No. 2 Trainer Promo
No. 2 Trainer Toshiyuki Yamaguchi (2000)
Neo Genesis 1st Edition Lugia (2000)
Super Secret Battle No. 1 Trainer (1999)
Family Event Trophy Kangaskhan (1998)
Test Print Blastoise Gold Border (1998)
Tsunekazu Ishihara Signed Promo (2017)
Trophy Pikachu No. 3 Trainer Bronze (1997)
Commissioned Presentation Blastoise Galaxy Star Holo (1998)
First Edition Shadowless Holographic Charizard #4 (1999)
Illustrator Pikachu (1998)
These were all sold for over $100,000 each.
Best Places To Sell Pokemon Cards – Summary
I hope you enjoyed this article on the best places to sell Pokémon cards and how to sell Pokémon cards for cash.
If you have Pokémon cards that you no longer want, there are many ways you can sell them. And, they may be worth a lot of money!
To figure out the value of the Pokémon cards that you want to sell, you’ll want to look at their rarity symbols, Pokémon card condition, grading (if applicable), and market comparisons. Understanding these factors will help you decide if your cards are worth selling and where to find the best prices.
Once your cards are sorted and evaluated, it’s now time to choose the best places to sell your Pokémon cards. Here are some popular options:
eBay – This site has millions of Pokémon cards sold every year. It’s a great place to find a worldwide audience, but remember to factor in shipping costs and eBay fees.
Facebook Marketplace and Pokémon Facebook Groups – Connect with local collectors or fans without worrying about shipping fees. This option may mean that you will meet the buyer in person.
Local comic shops – These stores can be an easy place to sell your cards, especially if they specialize in Pokémon cards or trading card games.
TCGplayer – Catering specifically to trading card game fans, this site has a dedicated space for buying and selling Pokémon cards.
Other options include Troll and Toad, Card Cavern, Dave & Adam’s, Sell2BBNovelties, pawn shops, and more.
Good luck selling your Pokémon cards!
What do you think is the best place to sell Pokemon cards for cash?
Student loans can help you finance your college education without paying much interest. However, you don’t want to take on more debt than you can comfortably pay back after you graduate. As of June, 2023, student borrowers owe 1.76 trillion in student loan debt, including federal and private student loans, according to the Federal Reserve.
High school can be a great time to start learning about the types of student loans available to you, how interest accrues, and what you can expect when it comes time to repay any student loans you take out. Read on to learn some of the ABCs of student loans, and how to not let them weigh down your financial future.
Student Loan Types
There are two main categories for student loans: federal and private student loans.
Federal Student Loans
Federal student loans are funded by the federal government. Interest rates are fixed (and comparatively fair) and are set annually by Congress every July. Federal student loans also come with protections like income-driven repayment plans and deferment or forbearance options in the case of life changes, such as sudden loss of a job or other roadblocks to repayment.
The following are the federal student loan options offered:
• Direct Subsidized Loans These are available to eligible undergraduates with a proven financial need. The government subsidizes (meaning it pays for) the interest that accrues on these loans while the student borrower is enrolled in school at least half-time and during the loan’s grace period (more on that below), and other qualifying periods of deferment.
• Direct Unsubsidized Loans These are available to eligible undergraduates and graduate students regardless of financial need. Student borrowers are responsible for paying all of the accrued interest on unsubsidized student loans.
• Direct PLUS Loans These are available to eligible parents of undergraduate students and to graduate or professional students. They are not subsidized by the government.
Private Student Loans
Private student loans are issued by non-government institutions, such as banks, credit unions, and online lenders. The requirements for applying for these types of loans may be more stringent.
Lenders will typically look at the student’s or their cosigner’s credit history, income, and other financial information. Some lenders require you to begin making payments while you are in school, while others allow you to wait until six months after you graduate. Either way, interest typically begins to accrue as soon as the funds are disbursed.
How to Apply for a Student Loan
The process for applying for student loans varies based on whether the loan is private or federal.
Applying for a Federal Student Loan
To apply for a federal student loan, you need to fill out and submit the Free Application for Federal Student Aid (FAFSA®) . Even if you don’t think you’ll be approved for financial aid, it can be worth submitting the FAFSA. The application is free and you may qualify despite your circumstances. The FAFSA also gives you access to federal student loans.
Every year, the FAFSA form usually becomes available online as of October 1 for the next school year. (Note that the FAFSA for 2024-25 academic year won’t be available until December 2023 due to the roll out of a new, more simplified form.)
You can easily apply online (see the link above). Completing the FAFSA determines the combination of federal loans, grants, and work-study you’re eligible for. Some colleges and universities also use information from the FAFSA to determine if you qualify for school-specific financial aid.
Applying for a Private Student Loan
It’s important to take the time to do some research and find a lender with a good reputation that offers competitive rates and terms. Ideally, you want a lender that offers flexible repayment options, reasonable (or no) fees, and will provide helpful customer support if you find yourself having any issues with your student loan payments.
If you decide to apply for a private student loan, you will more than likely have to reveal personal financial details, like your credit history. Since students typically don’t have much, or any, credit history, they often need to apply with a cosigner. That’s someone who will share the responsibility with you of paying back the loan.
In many cases, that cosigner would be a parent or an adult with whom you have a close relationship. Getting a cosigner may increase your chances of getting a better interest rate, which could help you spend less in interest over the life of the loan.
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Types of Student Loan Interest Rates
The interest rate on your student loans could have a lasting impact on your future finances. The interest charged is a percentage of your unpaid loan principal — that is, the amount you borrowed. Interest is paid to the lender in exchange for the opportunity to borrow money from them.
You can typically choose from between two types of interest rates: fixed-rate and variable rates.
Fixed-rate student loans: These types of loans offer an interest rate that remains the same throughout the life of the loan. This could give you peace of mind, knowing that the rate won’t change, even if the state of the economy does. Interest rates could fluctuate wildly during the course of your loan, but a fixed-rate won’t be affected. As previously mentioned, federal student loans have a fixed interest rate. Some private lenders also offer student loans with a fixed interest rate.
Variable-rate loans: These types of loans come with an interest rate that can increase or decrease based on market fluctuations. Some private lenders offer student loans with variable interest rates. These are also sometimes called floating-rate loans, because the interest rate can change during the life of the loan.
A variable-rate school loan might start with a lower rate than a fixed-rate loan but keep in mind that your interest rate — and monthly payment — could rise later on. A variable- rate loan can make sense if you plan to pay off your student loan early before rates have a chance to rise too much, expect rates to fall in the future, or you have some wiggle room in your budget in case of rising interest rates.
Student Loan Mistakes to Avoid.
1. Failing to Research Your Loans
With any type of student loan, it’s key to understand what you are agreeing to. You’ll want to make sure you understand what the interest rate will be, what your monthly payment will be, when you’ll need to start repayment, and how you plan to cover that obligation.
2. Borrowing Too Many Loans
It’s nice to be approved and accepted, but too many loans (borrowing more money than you actually need) can lead to a heavy financial burden after graduation. Generally, you’ll want to use any college savings, financial aid, and federal student loans before looking to private student loans (which tend to come with higher interest rates than federal student loans). If you’ll need to take on significant debt to attend a certain school, you might consider choosing a less expensive institution.
3. Not Having a Plan
Life can be unpredictable. The one thing you could have power over is your school loan repayment plan. It’s important that you know exactly when your student loan repayment plan starts (in some cases, that could be before you graduate), and exactly what your monthly payment will be.
It can also be helpful to set up a budget that accounts for all of your college costs, including tuition, books, room and board, food expenses, and anything else related directly to your education. If you budget for it ahead of time, you can help make it easier to use your student loan money wisely.
4. Not Realizing That Interest Continues Accruing
Understanding how and when interest accrues on your student loans is critical. For many student loans, interest will accrue while you are in school and during your grace periods. (A grace period is the period of time after you graduate or drop down below half-time attendance, during which you are not required to make payments.)
With the exception of subsidized federal student loans, interest will continue to accrue even if you are not making payments on your student loan. It will then typically be capitalized. Capitalization occurs when the accrued interest is added to the principal balance of the loan (the original amount borrowed). This new value becomes the balance on which interest is calculated moving forward.
Recommended: Understanding Capitalized Interest on Student Loans
Repaying Your Student Loan
Another important factor is understanding what repayment plans are available to you based on the type of loan you borrowed.
Repaying Federal Loans
For Direct Subsidized and Unsubsidized Federal Loans, students who are enrolled in school at least half-time aren’t required to make payments on their student loans. On these loans, repayments officially begin after the loan’s grace period.
Federal loans typically have a six-month grace period after graduation, which allows you time before you have to start repaying your loans. It’s important to note that even though you may be granted a grace period, depending on the loan you have, you may still be responsible for paying the interest on the loan during the time you are not making payments.
Note that PLUS Loans, which are available to parents of students and graduate or professional students, require repayments as soon as the loan is disbursed (or paid out).
Borrowers with federal loans are able to choose one of the federal repayment plans . These include:
• Standard Repayment Plan On this plan, monthly payments are a fixed amount and repayment is set over a 10-year period.
• Graduated Repayment Plan On this plan, payments start out on the lower end and then gradually increase as repayment continues. Loans are generally paid off over a 10-year period.
• Extended Repayment Plan Payments may be either fixed or may gradually increase over the loan term. Loans are paid off within 25 years.
• Income-Driven Repayment Plans There are four income-driven repayment plans. These tie payments to the borrower’s discretionary income. The percentage and repayment term may vary depending on the type of income-driven repayment plan the borrower is enrolled in.
With private student loans, the repayment terms are determined by the lender. That schedule will tell you exactly when your first payment is due and how much you will owe.
Unlike federal loans, many private loans have to be paid back before you graduate, so be sure to review your agreement closely and know exactly what you are going to need to do. Contact the lender directly if you have any questions.
Recommended: How to Pay Off College Loans
Named a Best Private Student Loans Company by U.S. News & World Report.
If Repaying Loans Becomes a Problem
Nobody plans on not paying back their student loans, but sometimes life can throw a few financial punches that you weren’t expecting. A smart strategy if this were to happen to you: face the problem head-on.
Options for Federal Student Loans
If a borrower is struggling to make payments on their federal student loans, they may consider changing their repayment plan. Federal loans, as mentioned, offer income-driven repayment options which tie the monthly payments to the borrower’s income. This can help make monthly payments more manageable for borrowers.
In cases when even income-driven repayments are too much, borrowers may be able to apply for deferment or forbearance. These allow borrowers to pause their loan payments. Depending on the loan type, you may or may not accrue interest during periods of deferment or forbearance.
Options for Private Student Loans
Private lenders are not required to offer the same repayment plans or borrower protections (like deferment and forbearance, mentioned above) as federal student loans. Some private lenders may be willing to work with you during times of financial difficulty so that you can continue making payments. Check in directly with your lender to see what payment plans or options they may have available to you.
A Note on Student Loan Default
After a certain number of missed payments (which can vary depending on whether you have borrowed a federal or private student loan), your loan may enter default. That can have serious financial consequences, such as impacting your credit score.
Declaring bankruptcy generally won’t rid you of your federal student loan obligations. It is extremely challenging to get student loans (federal or private) discharged in bankruptcy.
What to Do if You Don’t Get Enough Federal Loans
It’s never too early (or too late) to begin researching methods of additional funding if your federal loans aren’t going to cover your tuition costs. Here are just a few to consider.
Scholarships
Scholarships do not typically have to be paid back. If you’re not sure where to begin your scholarship search, you might ask your high school guidance counselor for recommendations. An online scholarship search tool can also be helpful.
In addition, you may want to try local community and civic organizations, as well as businesses and religious groups. You can also ask about scholarships in your college’s financial aid office.
You can also try scouting scholarships based on a certain skill or talent: music, writing, sports, and even academics. Qualifying for multiple small scholarships could add up and go a long way toward helping ease your financial burden.
Grants
Grants work like scholarships in that you typically don’t have to pay them back. They are often offered by the federal government (and would be part of your federal aid package); in some cases, in exchange for a grant, you agree to work in a certain field for a set period of time after graduation.
Work-Study
Through the federal work-study program, you can earn money to put toward school expenses by working jobs around your college’s campus. If you are approved for the work-study program, it will be included as a part of your financial aid award. Then, you may need to apply for jobs that are part of the program. These jobs may be on- or off-campus.
If you can’t find a work-study job to fit your schedule, there may be other part-time job opportunities available off-campus. You could inquire about part-time work at your on-campus career services office.
Private Student Loans
As mentioned, a private student loan may cover the remaining tuition costs not covered by your federal financial aid package. Qualifying for these loans might require a credit check and your credit history can potentially affect your private loan interest rate. For undergraduates with little-to-no credit applying for private student loans, they may benefit from applying with a cosigner in order to qualify for a more competitive rate.
As another reminder, private loans are not required to offer the same benefits or borrower protections afforded to federal student loans. As a result, most students only consider private student loan options after all other sources of aid and funding have been carefully evaluated.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
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.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Mardi Gras, distinct cuisine, music and nightlife are some of the draws that keep The Big Easy a favorite travel destination for people throughout the world. But you’re not looking for a fun weekend with your friends, you want to call New Orleans home.
That means you’re looking for the best apartments in New Orleans in the best neighborhood that will meet the needs and demands of your lifestyle. As a true melting pot, you’ll be able to find what you’re looking for. Whether it’s an immersive Creole experience or a slice of Europe, New Orleans has various neighborhoods full of colorful characters and fascinating stories.
Where to live in New Orleans
Unlike tourists, you won’t miss out on the things that make New Orleans a truly unique and amazing place to live. The proud collection of neighborhoods dispersed throughout the city. No matter if you’ve always dreamed of living in the most popular areas or are ready to discover the hidden gems that aren’t so hidden to residents. Get ready to live and breathe the real New Orleans.
Who’s coming with you?
Which one neighborhood characteristic can you not live without?
What’s your idea of quality downtime?
Which of these best describes your current life stage?
Your personal style could be best described as:
Which of the following is most important to you in choosing an apartment?
Where to Live in New Orleans
Uptown
In Uptown, vibrant 19th-century residences dominate the streets, making it impossible not to fall in love with the gorgeous architecture. Though the quieter surroundings and views of the Mississippi River are enough to convince anyone to move to Uptown, there’s so much more to get to know about this area. If you need to live close to outdoor activity, Audubon Park and Audubon Zoo provide tons of options. The park has a two-mile walking and bike path and vast amounts of green space for picnics, a game of a catch or a relaxing day of sunbathing. The zoo has 2,000-plus animals and a water park. Living in Uptown also gives you a wealth of food choices, and any restaurant you walk into is a paradise for your taste buds.
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New Orleans East
Image Source: Willowbrook Apartments
New Orleans East is a massive area, sprawling with residential homes and has a far more suburban feel. Long ago, New Orleans East was nothing but marshland, which is why you’ll be able to enjoy the beauty and peace of the wetlands. Audubon Louisiana Nature Center has biking and walking trails that give families the opportunity to spot local wildlife and a planetarium! Take the boardwalk paths at the Bayou Sauvage National Wildlife Refuge to watch great blue herons and alligators. The area took a hit after Hurricane Katrina, but various economic development and community projects are in the works and the passionate community keeps residents current of all going on. A wonderful place for those looking for opportunities to make a difference in their community, New Orleans East welcomes you.
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French Quarter
The hotbed of activity in NOLA, the French Quarter is unlike any other neighborhood in the country. Historic, storied and extremely popular, The Quarter, as it’s referred to locally, is the heart of the city. Townhomes and cottages found in The Quarter have Creole- and Spanish-influenced architecture. The modest exteriors conceal decadent interiors and perfectly manicured courtyards awaiting renters inside. The world-famous Bourbon Street has apartments that provide amazing views of the city and the partying going on below. With a nightlife that lures so many residents and tourists, it has some of the best restaurants and bars, random gatherings and music as the nights go on. Nearby, the Audubon Aquarium has a must-see otter exhibit that kids and adults love.
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Algiers
Image Source: 629 Atlantic Ave
The neighborhood of Algiers has sat right on the Mississippi River for 300 years. Unconnected to New Orleans, it’s accessible by a bridge and Ferry. Commuting to other areas in the city is easy with the Algiers Ferry, which gives you beautiful views of the NOLA skyline before dropping you off in the Quarter or Central Business District. Music and art lovers will love Algiers, too. There’s the Algiers Folk Art and Blues Museum which holds a festival in the fall and the Jazz Walk of Fame. The neighborhood streets have studios where you can learn new crafts, like glass blowing. What truly defines Algiers is the quaintness of it all — the coffee shops, the ferry ride, the Victorian cottages and urban community parks. It feels like a village instead of a New Orleans neighborhood.
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Gentilly
Image Source: 555 Chamberlain Dr
Typically ignored by tourists, Gentilly has a number of delicious restaurants, great places to shop and history like other areas in the city. Perfect for families and people who don’t want the high energy of other neighborhoods, Gentilly offers the University of New Orleans where art exhibitions and concerts are held. There’s also the Hellenic Cultural Center, which holds a very popular New Orleans Greek Fest. For those in the know, Gentilly has one of the best Mardi Gras parties, Krewe of Dreux – a huge informal outdoor party and parade. Located about 3 miles away from the French Quarter, Gentilly is not as walkable as other areas. There are major avenues with buses, but a car is the main — and probably best — way to get around if you live in this neighborhood.
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Garden District
Moving to Garden District will put you on a street lined with oak trees, humming streetcars, apartments that look like mansions and actual mansions. Garden District is a historic neighborhood with the classic architecture of the city and plenty of eating and shopping options. Highly walkable, you can still take the St. Charles Avenue Streetcar which extends from downtown to Uptown and goes directly through the Garden District. Magazine Street is another win for those who move to Garden District. Brunch is on another level at some restaurants, where it’s available all day. More than a place to get food, Magazine Street is famous for the shopping it offers, too. Independent shops dominate, but with the crowd that lives near, chain stores are starting to expand their presence.
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Metairie
Metairie has earned the distinction of being one of America’s Best Cities without technically being a city. So, needless to say, people who live here really enjoy what Metairie offers, specifically Old Metairie. Old Metairie is surprisingly walkable. You can easily make your way to the bank, gym and coffee shop in about two blocks. A quick run to the grocery store without a car in the suburbs is pretty amazing. For families, the number of schools and parks offered is shocking. There are programs for infants, part-time moms, public, private and even gifted programs. A night out is always needed, and even still, Metairie delivers without residents needing to leave the city limits. You’ll find an amazing food scene and high-end retail shopping.
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River Ridge
Image Source: Sawmill Creek Apartments
Suburban charm meets city convenience in River Ridge, where a happy balance of both is a perk of living here. Living near the Mississippi gives you a lot to enjoy in this suburb, including the Mississippi River Trail, which spans 3,000 miles and 10 states. It also connects you to other surrounding suburbs and is a favorite local place to watch the sunset. Zeringue and LaSalle Park have more trails to enjoy. A top priority in this suburb is schools. River Ridge, LA, is in the Jefferson Parish School System, which is highly rated. Kids will enjoy schools that prepare them well for college and any other future they choose.
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Rebecca Green is a content editor and writer for RentPath. She enjoys interior design, dogs and can tell you where to find the best pizza in Brooklyn. You can see some of her other published work on Apartment Guide.
Looking for jobs where you work alone? If you’re an introvert or simply want minimal human interaction, here are 40 ideas.
Looking for the best jobs where you work alone? If you’re an introvert or simply want minimal human interaction, here are 40 ideas.
With there being so many different types of jobs out there nowadays, more and more people are looking for jobs where they can be by themselves, away from the busy office or customers. They find comfort in jobs where they can do tasks on their own, letting them really concentrate and do well in what they do best.
For me, I have worked mostly alone for over a decade now, and I wouldn’t change it for the world. I enjoy the flexibility of working on my own and having less stress.
Jobs that let you work this way are usually appealing to introverted individuals, those who like a calmer setting, or people who just work better with more independence.
Knowing which jobs let you work alone is really important for those who want to find the right mix of being on their own and getting things done well.
Top Jobs Where You Work Alone
There are 40 jobs where you can work alone listed below. If you want to skip the list, here are some jobs that you may want to start learning more about first:
Benefits of Jobs Where You Work Alone
More and more people are looking for jobs where they can work alone, and I get it! I have been working mostly alone for over a decade and I really love it.
After all, a person spends so much of their time working, so you might as well like what you’re doing. If you’re an introvert, or if you like working by yourself, there are jobs where you can do just that.
Some of the positives of working alone include:
Less stress if you’re an introvert – If you’re an introvert, then you may feel stress when working with other people, such as coworkers and customers.
Getting more stuff done in less time – Working alone may mean that you can complete your tasks faster because there are fewer distractions.
Having a more flexible schedule – Some jobs where you work on your own sometimes let you choose when you want to work, as long as you get the work done.
If you’re looking for jobs where you work alone, think about what you’re good at and what you enjoy (and also think about what you don’t like!).
40 Jobs Where You Work Alone
Below are 40 jobs where you can work on your own. The jobs below range from earning a part-time to a full-time income too.
1. Proofreader
Proofreaders check and edit written content for errors and inconsistencies, and this job requires strong attention to detail and excellent grammar skills.
If you’re good at paying close attention to details, then proofreading could be an ideal work-alone job for you.
Authors, website owners, and students often hire proofreaders to improve their work. There’s a high demand for proofreaders, and you can find jobs through many different platforms.
Even the most skilled writers can make mistakes in grammar, punctuation, and spelling. That’s why hiring a proofreader can be very helpful for pretty much anyone and everyone.
If you want to find online proofreading jobs, I recommend joining this free 76-minute workshop focused on proofreading. In this workshop, you’ll learn how to begin your own freelance proofreading business.
Recommended reading: 20 Best Online Proofreading Jobs For Beginners (Earn $40,000+ A Year).
2. Virtual Assistant
One of my first side jobs was as a virtual assistant and it was a fun and flexible way to earn income. While you do have a boss when you are a VA, a lot of the tasks that you do will require you to take charge and complete them by yourself in your own home.
A virtual assistant is someone who helps people with office tasks from a distance. This could be from your home or while you’re traveling. It might include things like replying to emails, setting up appointments, and managing social media accounts.
This job can pay you more than $50,000 each year.
If you want to find part-time or full-time virtual assistant jobs, I recommend joining the free workshop called “5 Steps To Become a Virtual Assistant“.
Recommended reading: Best Ways To Find Virtual Assistant Jobs
3. Bookkeeper
Bookkeepers are people who keep track of all the money-related things for businesses such as writing down sales, keeping a record of expenses, and making financial reports.
This is a job where you can work alone and a typical salary is $40,000+ each year. Plus, you’ll mainly be dealing with numbers and not people.
You can join the free workshop that focuses on finding virtual bookkeeping jobs and how to begin your own freelance bookkeeping business by signing up for free here.
Recommended reading: How To Find Online Bookkeeping Jobs
4. Blogger
Blogging is a great way to make money while working on your own. It’s one of the reasons I really enjoy it, haha! I get to work by myself, for myself, and I can pick the projects I want to work on.
As a blogger, you write content for others to read online. You get to choose what you want to write about as well as how you want to make money blogging because there are so many different options (like affiliate marketing or displaying ads).
You can begin a successful blog about a specific topic like finance, travel, lifestyle, family, and many others.
Blogging is my main source of income, and it has completely transformed my life. I have the freedom to travel whenever I want, set my schedule, and be my boss.
Since I began Making Sense of Cents, I’ve made more than $5,000,000 from my blog. I earned this money by working with companies through sponsored partnerships, affiliate marketing, display ads, and selling online courses.
Learn more at How To Start A Blog FREE Course.
5. Delivery Driver
Delivery drivers pick up and drop off packages. And, they get to work by themself most of the time as they are in the vehicle alone.
A delivery driver may drive a car, truck, or even a bike, depending on the company they work for. They don’t usually have a boss watching them all day nor have to deal with very many customers for long periods.
6. Book Reviewer
Book reviewers read books and share their thoughts in book reviews.
There are websites where you can get paid for sharing your thoughts about books and you may earn money through PayPal or a bank transfer, and sometimes you get to keep the book you reviewed.
They don’t just want positive reviews either, they want to know what you really think! You see, authors and publishers like to send out free copies of their books so that they can get honest opinions. Just like us, they know it’s helpful to read reviews before deciding if a book is worth the time.
Some sites that pay for book reviews include Online Book Club, Kirkus Media, and BookBrowse.
Recommended reading: 7 Best Ways To Get Paid To Read Books
7. Deliver RVs or Cars
You can earn money by traveling across the country and delivering vehicles for people and dealerships. Sometimes you’ll be towing the vehicle, and other times you’ll be driving it.
If you want a job with minimal human interaction, this can be a good one to look into as you are mostly by yourself. You simply pick up the vehicle, drive by yourself, and then drop it off.
For this job, you need to have a clean driving record. Those who do this type of work can earn around $300 to $400 (or much more!) for each vehicle they deliver. It depends on the distance they are traveling and what is being transported.
8. Digital or Graphic Designer
A graphic designer is someone who creates designs for others, such as people and businesses.
As a digital designer, you may be making things like images, printables, planners, t-shirt designs, calendars, business card designs, social media graphics, stickers, logos, and more.
Recommended reading: How To Make Money As A Digital Designer
9. Pet Sitter and Dog Walker
Pet sitters and dog walkers take care of pets while pet owners are away, such as on vacation or in the hospital. Some of the tasks include feeding, taking dogs for walks, and playing with them.
You might have pets come to your home or you can go to their owner’s place (this is something that is agreed upon beforehand). Dog walkers earn around $20 for every hour walking a dog. Looking after someone’s pet overnight can earn a person around $25-$100+ or even more each day.
I have personally paid a person to watch my dogs overnight in their home $100 a day. She was so wonderful too and my dogs loved her.
Now, with this job, you’re not working entirely alone, because you will be with pets. But, they can be great friends and companions!
Rover is a company you can sign up with and list your dog walking and pet sitting services.
10. House Cleaner
House cleaners make sure homes and businesses are nice and clean. They might work alone or with a small group. They can earn between $25 to $50 an hour for cleaning for others.
You can work for a cleaning company, but you’ll likely make more money if you have your own business.
Starting this kind of business isn’t expensive because you likely already have the cleaning supplies you need. You can advertise your services on Facebook, tell your friends and family, or make an account on Care.com.
11. Transcriptionist
An online transcriptionist’s main task is to listen to video or audio files and then type out everything that is being said, a process known as transcribing. The aim is to accurately write down what is heard, without any mistakes in spelling, grammar, or punctuation.
There are many different types of transcriptionists as well – legal, general, and medical transcriptionists.
This job requires strong typing and listening skills, and you can work from home all by yourself.
Online transcriptionists earn around $15 to $30 per hour on average, with new transcribers on the lower end of that.
A helpful free resource to take is FREE Workshop: Is a Career in Transcription Right for You? You’ll learn how to get started as a transcriptionist, how you can find transcription work, and more.
Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly
12. House Flipper
House flippers buy, renovate, and sell properties for a profit. This job involves managing renovation projects, and you can work alone or with a small crew.
House flipping is when someone buys a property at a lower price, fixes it up (like painting, redoing the kitchen, and improving the outside appearance), and then sells it for more money to make a profit. This is done to make a quick return on the investment.
Recommended reading: 10 Best Books on Flipping Houses To Make Money
13. Grocery Shopper
Grocery shoppers buy groceries for people like you and me, offering a helpful service for those who don’t have the time or can’t shop on their own. You’ll work on your own and talk to clients through an app on your phone.
One service you can easily sign up with to become a grocery shopper is Instacart. This is a popular site for people who want to make extra money by shopping for and delivering groceries.
Instacart shoppers make money from a mix of base pay, tips from customers, and sometimes bonuses or rewards (like for finishing orders during busy times).
You can sign up here to get started as a grocery shopper with Instacart.
Recommended reading: Instacart Shopper Review: How much do Instacart Shoppers earn?
14. Affiliate Marketer
Affiliate marketers share products or services with their followers for a commission. You do this by placing a referral link on your website, blog, or social media (like Instagram). When people use that link to buy something, you then get a commission.
For example, if you share a link to a book on Amazon and someone buys it through your link, you make some money. Companies like Amazon want people like you to help them sell things, so they’re happy to work with you as it helps them.
If you get someone to sign up through your special link, the company gives you a commission for telling others about their product. It’s like a little thank-you for your help!
This is one of my favorite jobs where you work alone from home, and what I do full-time!
Click here to get Affiliate Marketing Tips – Free eBook.
15. Flea Market Flipper
Flea market flippers find underpriced items at flea markets, yard sales, and thrift stores, then resell them for a profit. This job requires a good eye for valuable items and the ability to research market value.
Finding items to resell may be one of the best jobs to work alone on this list because we all have things in our house we could probably sell. Plus, there are always things that you can buy for a low price and possibly resell for a profit.
If you are looking for work-alone jobs, this is a great one to look further into.
I recommend signing up for this great webinar, Turn Your Passion For Visiting Thrift Stores, Yard Sales & Flea Markets Into A Profitable Reselling Business In As Little As 14 Days, that will help you learn how to make money by flipping items as well.
16. Sell Printables on Etsy
Creating and selling digital printables on Etsy is a great way to work independently and earn money.
Making printables can also be a pretty hands-off job since you only have to create one digital file for each product, and you can sell it as many times as you like. It’s quite affordable to start because you only need a laptop or computer and an internet connection.
Printables are digital items that customers can download and print at home. They can include things like bridal shower games, grocery shopping checklists, budget planners, invitations, printable quotes for wall art, and patterns.
I recommend signing up for Free Workshop: How To Earn Money Selling Printables. This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
17. Mechanic
Mechanics diagnose and repair vehicles, working independently or in small shops. Strong problem-solving skills and knowledge of automotive systems are important.
Being a mechanic is a job where you often work on your own. While they might work in a garage with other mechanics, they often have their own tasks to do. They need to be really careful and pay close attention to make sure everything gets fixed just right.
18. Dog Treat Baker
Do you really like dogs? If you do, here’s a way to work mainly alone and make an extra $500 to $1,000 or even more each month.
You don’t need to know how to bake beforehand, because you can learn this skill. You can make special treats like cupcakes, cookies, cakes, and more, all for dogs.
You can sign up for this free training workshop that shows how to start a dog treat bakery.
You can learn more at How I Make $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
19. Amazon Seller
Selling items on Amazon is a job where you work alone (mostly) and don’t have to deal with customers face-to-face.
Even if you’re new to selling on Amazon, you can make money by selling household goods, books, electronics, and more.
If you’re interested in learning about starting an Amazon business, you can join this free training that will teach you how to sell products on Amazon and make around $100 to $500+ each day.
20. Stock Photo Photographer
Stock photo photographers work on their own, and this job can be done without talking to anyone for the most part. Almost all of the tasks can be done with just a camera and then uploading photos on a site.
Stock image sites are some of the most popular ways for photographers to sell their pictures. These are sites where customers can buy pictures for websites, TV shows, books, social media accounts, and more. There are stock photos that I have purchased within this blog post that you can take a look at to see an example.
One great thing about stock photo sites is that they can be a great form of passive income. You can take pictures, upload them, and earn money from an older photo for months or even years in the future. There is no need to talk to anyone as everything is online and mostly automated.
Some stock photo websites include Shutterstock, iStock, DepositPhotos, and Dreamstime.
Recommended reading: 18 Ways You Can Get Paid To Take Pictures
21. Social Media Manager
Social media managers post on social media accounts for businesses and their goal is to bring in new customers and help a business grow.
Social media managers may post a picture or a video of a product or the company, join in a viral trend to get more views (such as on TikTok), answer common questions from customers, and more.
This includes social media platforms such as TikTok, Pinterest, Instagram, Twitter, and Facebook.
Salary can vary, and this job can be done part-time or full-time.
22. Landscaper
A landscaper improves and maintains outdoor areas, such as by taking care of the lawn, planting flowers, or even renovating a whole outdoor area (such as to make it more enjoyable to sit outside and have company).
If you’re interested in jobs where you work alone outside, this is one to consider as you will be outdoors and working on your own a lot. Customers may talk to you occasionally, but you are mostly by yourself.
Landscapers work at houses, apartment complexes, businesses, or somewhere else.
23. Data Entry Clerk
Data entry clerks enter, update, and check information in databases or spreadsheets. They type information such as numbers and names into computers to keep things organized and recorded.
This job can sometimes be done remotely and alone, with minimal supervision or interaction with customers.
Data entry jobs typically pay around $15-$20 an hour.
24. Editor
Editors review and improve written content for clients and they usually work on their own as most of their time is spent editing content.
Their job is to read articles, blog posts, advertising, books, and more to make them better. They fix any mistakes in grammar or spelling and help the words flow smoothly.
Editors typically earn anywhere from $40-$60+ an hour.
25. Freelance Writer
Freelance writers write content for clients, such as blog posts, advertising, and more. Freelance writing jobs where you work by yourself are common as you’ll be given a topic to write about from the client, and when you are done you may be given some feedback (such as paragraphs to improve or add to). But, that is usually as much human interaction as you’ll get if you want.
You can find different writing jobs on platforms like Upwork and Fiverr, or even find clients on your own.
I was a freelance writer for many years before switching to working full-time writing here on Making Sense of Cents. It is a great career path where you can work from home mostly by yourself.
Recommended reading: 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)
26. Translator
Translators convert written content from one language to another, requiring fluency in at least two languages. Freelance and remote opportunities are available.
If you know another language, you might be able to find a work-from-home job where you can earn money by reading books and translating them. Another option is to get paid for proofreading or editing translated books to ensure they read smoothly and accurately.
There are lots of places you can find translation jobs, such as UpWork, Babelcube, Today Translations, Ulatus, Fiverr, and more.
27. Computer Programmer
Computer programmers write and maintain computer software, often working alone on projects.
They use coding to tell computers what to do and create all sorts of things like apps, games, and websites.
28. Canva Template Designer
Creating and selling Canva templates online allows you to work alone.
A Canva template is like a ready-made design that you can use for things like making posters, Pinterest pins, ebooks, or presentations. It’s like having a helpful starting point if you’re not super good at designing things from scratch. Canva templates come with empty spaces where you can put in your own words and pictures and you can also change colors and fonts to make them just how you like. They’re really helpful for people who want their things to look nice without spending a lot of time on it.
Making and selling Canva templates can be a great way to earn extra money as you only need to create them once, and then you can sell them as many times as you like.
Recommended reading: How I Make $2,000+ Monthly Selling Canva Templates
29. Voice Over Actor
A voice-over actor is the person whose voice you hear but don’t see in YouTube videos, radio ads, educational videos, and more.
Voice-over actors many times work right from their own homes!
Voice actors don’t need experience for this job (eventually, it does help, yes). Instead, they need to have a voice that the company is looking for.
Recommended reading: How To Become A Voice Over Actor And Work From Anywhere
30. Truck Driver
Truck drivers are people who move things from one place to another. To do this job, truck drivers need a commercial driver’s license (CDL). This job often involves working by yourself for long hours.
The salary for a truck driver can depend on things like what kind of items they’re moving and the miles they have to drive. Usually, they can make between $45,000 and $75,000 or even more in a year.
31. UPS Driver
UPS drivers deliver packages to people’s homes and businesses. They do this mostly on their own, in their trucks by themselves.
UPS drivers make a good income and they earn about $30-$45 per hour or even more, depending on how many years they have worked at UPS and where they work.
32. Security Guard
Security guards protect property and/or people, and they usually work alone.
A security guard’s salary depends on things like where they work, how long they’ve been doing the job, and what exactly they have to do. Usually, they can make between $25,000 and $35,000 in a year.
33. Self-Storage Facility Owner
Self-storage facilities are where people store their belongings, like boxes of their mementos, vehicles, RVs, and more.
Owning a self-storage business can be a way to make money and run a business with low expenses, plus they typically only have a couple of employees.
Many of the times when I’ve been to a self-storage lot, it’s been just the owner or an employee of theirs working. There are almost no customers either.
Recommended reading: How To Invest In Self-Storage For Beginners
34. Laundromat Owner
Similar to a self-storage business, a laundromat typically does not have very many employees.
Running a laundromat can be a way to make money, with low costs, as most things are automated (the washer and dryer machines do all of the washing).
Recommended reading: Are Laundromats Profitable? How Much Do Laundromats Make?
35. Get Paid To Text
When getting paid to text, you will many times be talking to someone else, but it is all done through text messages.
Some jobs may include:
Text Therapy or Coach
Answering questions, such as if you are a mechanic, doctor, lawyer, veterinarian, home expert, appraiser, computer expert
Customer support
Recommended reading: 28 Ways To Get Paid To Text And Make Money
36. Survey Taker
Taking online surveys and answering questions for focus groups is not a full-time job, but it can be a way to make some extra money.
You share your thoughts and answer straightforward questions, and in return, you can receive cash or rewards such as Amazon gift cards.
The survey companies I recommend signing up for and the best-paying survey sites include:
American Consumer Opinion
Survey Junkie
Swagbucks
InboxDollars
Branded Surveys
Pinecone Research
Prize Rebel
User Interviews – These are the highest paying surveys with the average being around $60.
Recommended reading: 18 Best Paid Survey Sites To Make $100+ Per Month
37. Twitch Streamer
Twitch is a site where you can make money playing video games, talking online in a live stream, and more. A streamer may be able to make money from their own home and all alone. Yes, they do need to be live recording their life, but they are their own boss.
There are many ways to make money on Twitch such as with paid subscriptions, display ads, selling merchandise (like t-shirts and mugs), and more.
Some of the most successful Twitch streamers make hundreds of thousands or even millions of dollars each year, but, it’s important to know that most don’t earn much at all.
Recommended reading: How Much Do Twitch Streamers Make?
38. Litter Cleanup Worker
If you own a business, it’s important to keep your place clean and tidy. Nobody likes to see trash lying around, right?
That’s why some business owners are happy to pay for someone to clean up before their business opens for the day. A clean area makes the place look nice and welcoming for customers.
This business can be started all alone and earnings on average are about $30 to $50 for every hour you work. It’s pretty simple too. You’ll just need a broom, a dustpan, and some tools to help you pick up litter easily. It’s almost like taking a stroll while you work! Plus, you can choose when you want to do it, so it can fit nicely into your schedule.
Recommended reading: How I Started A $650,000 Per Year Litter Cleanup Business
39. Google Rater
A Search Engine Evaluator, also known as a Google Rater, is a person who looks at websites and blogs and gives them a score based on how good and helpful they are for Google.
You don’t need to be a tech expert or have a fancy background for this job. Google actually wants regular people, just like you, to rate websites. Plus, you can do this in your own language. Google works in lots of different countries, so you can help out right from where you are.
Recommended reading: How To Become a Search Engine Evaluator
40. Actuary
An actuary is a financial expert who helps businesses figure out and manage their money-related risks, such as for insurance, pensions, and investments.
They use mathematics and statistics to forecast what might happen and help companies make smarter financial decisions.
Actuaries can earn a good salary, and as they get more experience and pass more exams, they can make even more money. Depending on where they work and how experienced they are, actuaries earn average salaries of anywhere between $70,000 to well over $100,000 each year.
Frequently Asked Questions About Jobs Where You Work Alone
Here are answers to common questions about finding jobs where you work alone.
What are jobs with no interaction?What jobs allow me to work by myself?
Yes, there are jobs where you don’t need to talk to people a lot. For example, being a night shift security guard, a transcriptionist, or a stock photo photographer.
How can I work alone from home?
There are jobs where you can work alone at home such as being a blogger, a transcriptionist, or a computer programmer.
What are jobs where you work alone with no degree?
Many jobs don’t require bachelor’s or master’s degrees (a high school diploma will work for many on the list above) and offer the opportunity to work independently. Mowing lawns, painting houses, repairing cars, or walking dogs often don’t require formal education and focus more on skills and experience.
Which part-time jobs are best suited for solitary workers?
Many of the jobs in this blog post can be done part-time, such as any of the freelance jobs, house cleaning, dog walking, and taking surveys. That is one of the joys of many of the jobs above – you can choose your schedule.
What trade jobs can one perform independently?
Trade jobs that you can perform independently include carpentry, welding, or plumbing. These professions usually require specific skills or certifications but may offer opportunities to work alone.
Are there any tech jobs ideal for people who prefer to work alone?
Yes, there are tech jobs that can work well for people who want to work on their own such as web developers, software engineers, or data analysts. These roles usually involve solving problems and working independently, though there might be some instances where collaboration is needed from time to time.
What jobs can be done in isolation with no experience required?
Jobs such as house cleaning, taking surveys, and flea market flipping can be good places to start for entry-level jobs.
How can I find work-alone job opportunities near me?
To find work-alone job opportunities near you, try perusing local job boards, classified ads, or online sites like Indeed or LinkedIn. You can also network with people in your community or join online forums related to your interests to find jobs.
Jobs Where You Work Alone – Summary
I hope you enjoyed this article on jobs where you work alone.
These jobs are like a safe space for people who like being by themselves. It’s a place where you can really concentrate and do your own thing with low social interaction. Jobs where you work alone often appeal to introverts and individuals who require fewer distractions.
Jobs like writing, coding, and freelancing let you work on your own. Not everyone may like working alone, but for those who do, it can be a lot less stressful and overwhelming.
I have been working mostly on my own for years now, and I really love it!
Graduating college can come with a lot of implications and responsibility, and those associated with your finances are certainly no exception. On top of the need to get your career off the ground, you should also think about how this impending career and salary will help you get your relationship with your personal finances in good shape, as well.
Prior to college, you probably did not have any credit. And during college, if you weren’t using a credit card or participating in other practices that establish and build credit, you’ll basically be starting from scratch. This can be a great spot to be in because it sets you up to grow your financial reputation without having to rebuild it from any previous blemishes on your record. At this transitional and vulnerable time in your life, think about your future, and be sure to include those future thoughts in your decision-making so that you can (somewhat) effortlessly stay on track. This is some of the money advice college grads never get, but definitely should.
Student Loan Repayment
If you took out student loans to fund your education, you’re likely feeling a tad overwhelmed by the outstanding balance and impending payments to pay it all back. While this type of debt is sizable, it’s not something to fear to the point of disregard. So, many people use student loans to cover college costs, which is good news for you because there’s no shortage of tips on repayment strategies for you to consider.
Paying your monthly minimum each month is going to help you begin to establish credit. While it’s acceptable to follow this strategy, it might not get you where you want to be in terms of growing your credit score. If you can, think about ways to dedicate more money towards repayment each month so that your debt-to-income ratio can become more favorable to you, faster.
Read More: What is the Average Student Loan Debt?
A savvy way to accomplish this is through refinancing. Although you’re just starting the process of paying back your student loans, that doesn’t disqualify you from refinancing. The rates that were in effect when you took your loan out might be higher than they’re now, in that case, a refinance can shave years off your payments simply by decreasing your total interest. Your monthly rate will likely decrease as well, which means that potentially you can pay down principal faster if your budget that allowed for the previous, higher amount, is still manageable.
Get Professional Guidance
Like it or not, money is essential in life. While the amount you have doesn’t determine the level of importance, the simple fact that you need money to be able to get through life is undeniable. At this beginner stage, consider meeting with a credit counselor. These professionals can help you identify goals, discuss different strategies, and help you decide if it is right for you at this time.
Since this is likely your first time managing your money independently as an adult, and at this level, the habits you build now are probably going to be the ones that stick. Your credit score is sensitive but powerful. As you walk through various stages of life, that number is going to be what determines things like mortgage rates, car loans, and even your ability to start your own business even if that’s years from now.
Budget Appropriately
After having spent a few years scraping pennies together to split a pizza three ways with your roommates, you’re going to be tickled to receive that first job salary, and the paychecks that come along with it. But don’t get careless. Before you cash your first check, examine your finances, and set a budget for yourself. Some of the best budgeting methods are simple and straightforward, which is ideal for a beginner. A great piece of advice here is to continue to live as you did in college and operate on a shoestring budget as far as your extra money goes.
Paying your bills on time is going to help you improve your credit score at a steady and consistent pace, so you won’t want to fall behind. The occasional splurge is fine, but make this the exception and not the rule. It might not feel the most exciting or fun to dedicate your first job finances towards responsibility. However, if you put this into practice now, you’ll have to work at it less and less over time. Then, maintaining your good credit will be a natural consequence of your habits instead of something you have to consciously work at.
Related Read: Side Hustles for College Students
Use Credit Cards Strategically
One of the best ways to build credit is by using credit. Keep your momentum alive by applying for a credit card, one with perks that appeal to you, and terms that you can manage. You might not yet be able to qualify for a traditional credit card, but a secured credit card should be well within your capabilities. Your credit limit will probably be low, but that is ok. The point here is to get into the practice of using a card, and paying it off, on time and at least at the minimum, consistently month to month.
A credit card should work for you in terms of what you get back from it. Not all cards are created equal so definitely shop around before you just randomly pick one. Perks like airline miles and cash back are very popular places to start. If you take out a card and begin to use it and quickly notice that you’re not savvy enough to manage this responsibility yet, cut the card up. Closing credit accounts is one of the bad credit habits to avoid and can negatively impact your score. So you are better off cutting the card up, ceasing to use it, and continuing to pay down the balance without adding to it.
Colorado Springs is one of the most breathtakingly beautiful places in the country — if not the world. It’s no wonder, then, that so many people want to call this great city home. In fact, nearly 4,000 people moved to Colorado Springs in 2021 alone, an upward trend the city has experienced since 2019.
But it’s not just the beauty of nature (hello, Pikes Peak!) that brings tourists and new residents alike to the area each year. Colorado Springs provides a relaxed atmosphere, a strong sense of community, clean air and exquisite dining and entertainment opportunities. Colorado Springs — and the state of Colorado itself — are also well-known for being extremely health conscious.
If these qualities appeal to you, then you should definitely consider finding an apartment for rent in Colorado Springs. And that leads us to another perk of living in this awesome city — affordable housing. While the overall cost of living is around 3.4 percent above average, rental prices are dropping (by nearly 25 percent in the past year). It’s the perfect time to start looking for an apartment here, but where should you live in Colorado Springs?
Where to live in Colorado Springs, CO
This city has numerous neighborhoods that would fit the needs of many new residents. But what neighborhood is right for you? We want to make the choice of where to live in Colorado Springs easy, so you can take out our interactive quiz to find your ideal neighborhood!
Who’s coming with you?
Which one neighborhood characteristic can you not live without?
What’s your idea of quality downtime?
Which of these best describes your current life stage?
Your personal style could be best described as:
Which of the following is most important to you in choosing an apartment?
Where to Live in Colorado Springs
Downtown
Downtown Colorado Springs is unlike most larger neighborhoods. You won’t find looming skyscrapers that impede your view of the natural beauty of the area. The downtown area is ideal for people who like to live close to work or like more hustle than the suburbs can provide. If you’re a single, young professional or you and your partner want to walk to great restaurants and entertainment, this is the neighborhood for you. During the winter months, park officials of nearby Acacia Park set up an ice-skating rink with loudspeakers that play holiday music. You’ll feel like you’re in a Hallmark Christmas movie. And while there’s a strong sense of history in this neighborhood, there are urban developments and renovation projects that add to the neighborhood’s appeal.
Find Apartments Downtown
Briargate
Image Source: Crowne at Briargate
This neighborhood is part of one of the best school districts in the county. The schools, the quiet of the suburbs and the fun outdoor activities make it a wonderful place to raise your little ones. Briargate is also home to many military families due to its proximity to Peterson Air Force Base. But it’s not all about the kids. There’s something here for every member of the family, including the fun outdoor activities like those available at John Venezia Park. You can picnic, play soccer or go hiking. There are also several great shopping centers, as well.
Find Apartments in Briargate
Old Colorado City
Image Source: 1315 W. Colorado Ave
Situated on the west side of Colorado Springs is one of the oldest, most charming parts of the city. Developers built Old Colorado City in the mid-1800s and in many areas, you can’t tell that anything has changed since then. Homes on the historic registry line the streets. The nearby Ghost Town Museum takes you back in time to the Wild West. Many families live in, and businesses operate out of, old Victorian homes, giving this neighborhood even more charm. High-scale shopping, entertainment and dining are nearby, as Downtown Colorado Springs is less than three miles away.
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Pikes Peak Park
Pikes Peak Park is ideal for people who love the great outdoors and animals. There are multiple parks and green spaces for families and their pets to play, including Van Diest Park and the Leon Young Youth Sports Complex. The neighborhood itself is large and sprawling. While you can find some modern apartment complexes in the area, you’ll also find a high number of single-family homes. Residents here appreciate the gorgeous views of Pikes Peak and Cheyenne Mountain, as well as the mature trees that add to the beauty of the neighborhood.
Find Apartments in Pikes Peak Park
Norwood
Image Source: 3919 Diamond Ridge View
This small, mountain town has plenty of wide-open spaces to roam around and explore. Some of the outdoor fun includes fishing, hunting, biking, hiking and skiing. Residents here say one of the main things they appreciate about Norwood — aside from the natural beauty, of course — is their neighbors. Norwood is home to some of the nicest people you’ll ever meet. Norwood is a small neighborhood with a grocery store, bank, gas station, a medical and dental clinic and some churches. But there are also some great dining opportunities, as well. For example, Norwood residents are over the moon about I-Cool Thai Ice Cream Shop, Edelweiss German Restaurant, Bada Japanese Restaurant and Frankly Coffee.
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Broadmoor
Image Source: 17 Alsace Way
Broadmoor has plenty of opportunities for hiking and biking, whether you just love spending time in the great outdoors or you’re looking for fresh ways to stay in shape. This neighborhood is also home to The Broadmoor, a resort and hotel that’s one of the largest and most luxurious in the state. It has 10 restaurants and numerous shops on-site. The Broadmoor has been the temporary resting place of celebrities over the decades, too. The building, which is over 100 years old, is truly a sight to behold, making this a top tourist destination.
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Northgate
Image Source: 1352 Lookout Springs Dr
Northgate is about 14 miles away from Downtown Colorado Springs, but the commute is much faster and easier due to the close proximity to the interstate. The neighborhood boasts movie theaters, great restaurants and plenty of green spaces. You’ll find some great shopping centers, as well. Several brewpubs, cafés and international restaurants feed the residents of Northgate, too. Like Briargate, the upscale neighborhood of Northgate is within the bounds of one of the top school districts in the county, making it a great place to raise your kids.
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Ivywild
Image Source: Elevate Apartments
Ivywild, a neighborhood in the southern part of Colorado Springs, is one of the city’s oldest working-class communities. The suburban neighborhood is primarily single-family homes and medium-sized apartment complexes. Since 2011, developers have started renovating older buildings and plan to renovate and build new structures until at least 2036. Ivywild has a fun, quirky personality. The Principal’s Office is an artisan coffee and cocktail bar located in an old school. You’ll also find multiple pubs, cafés and shops, including the Oak Whiskey House.
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Rebecca Green is a content editor and writer for RentPath. She enjoys interior design, dogs and can tell you where to find the best pizza in Brooklyn. You can see some of her other published work on Apartment Guide.