From big-city living to cabins tucked in the mountains, these unique Airbnb finds are some of the cheapest and coolest rentals in the USA. Some are luxurious, a few are off the grid, but all are less than $100 per night, making them budget-friendly destinations for Summer travel. Click through to find a fun place to stay during your next vacation.
Paying for a house is confusing and complicated. Luckily, Wise Bread has your back with all of the pros and cons of buying your new home in cash.
My husband said that when we do buy a house, he wants to just buy it with cash so we can own it outright and in our way say "screw you" to the banks. I like that idea, but just like any financial decision, there are pros and cons to doing this.
No Credit History Needed
A long time ago I read a story of a guy who avoided credit cards and loans like the plague so he did not have a credit history, but he had considerable savings. When he wanted to buy a house no one would give him a loan, so he bought a house outright with his savings. In situations where you do not have the ability to get a reasonable loan, then paying cash might be the best option.
RELATED: Building a Credit History
Risk Free Savings
If a mortgage costs 7% and you pay cash, you would essentially be saving 7% in interest risk free. So in the case where mortgage interest rates are higher than what you can get on your investments, you would come out ahead by paying in cash.
Traveling is expensive; the last thing you need is to spend your vacation budget at the airport. If you're not careful, the cost of hidden fees and pricey food can easily break the bank and spend your sightseeing savings. From packing the essentials to lightening your load, these tips and tricks will save you money so you can spend your cash on the important things, like that tropical cocktail!
- Be your own entertainer: Put yourself on a boredom budget by packing everything you need to keep occupied. Download movies beforehand, and pack the magazines you haven't had time to read. Whatever you do, don't rely on airport WiFi. Besides being slow, it's expensive and not secure. If you travel often, consider a travel router or asking your cell phone provider about a personal mobile hotspot. For a small monthly fee, you will save on roaming charges and the cost of public WiFi.
- Lighten your load: Because most airlines charge a hefty fee for checked bags, carry on. Only pack the essentials and a foldable duffel in case you head home with souvenirs. If you must check a bag, stick with your airline rather than the airport porter to avoid having to tip.
- Snack smart: Since most airport meals are priced higher than average, plan your snacks and meals in advance. Don't rely on your airline for food, either; most flights no longer offer meal service. Consider pairing that (stingy) bag of peanuts with a sandwich or salad from home and carrying an empty water bottle to fill up. This will save you money and cut calories, too.
- Avoid the unexpected: Before you leave, pack a small emergency kit filled with essentials like aspirin, band-aids, and antinausea medicine. This will help you avoid the price newsstands charge on toiletries. Also, always carry cash. Having an allotted budget will prevent you from using credit or paying an ATM fee.
- Study up: A little research can go a long way and save you money. Before you pack, check the TSA's website for specific regulations to avoid having to toss belongings. Check your airline's website, too. You can often score coupons for free drinks and deals on transportation and hotels.
If you're thinking of adding some money to your rainy-day fund, then there are a few ways to make a quick buck. But making money isn't always easy, and some of these tasks are time-consuming, so be sure to pick ones that you don't mind doing. Here are some suggestions:
- Plan a vacation: There are people looking for help with vacation planning on TaskRabbit, an website that matches up task-doers with task-givers. One of the tasks that you can do from home is help out with vacation planning, which can mean hours of research. Some of the listings charge anywhere from $13 for help with finding plane tickets to about $62 for help with planning a two-week trip to Europe.
- Clean someone's home: Cleaning a home is another way to make a quick buck, and there are a number of cleaning tasks available on TaskRabbit that can go for over $100, depending on how extensive the chore is.
- Deliver items: Have a car? Maybe you can earn $50 or more by helping someone move items. My friend recently paid a TaskRabbiter $50 to collect a cabinet for her. Check out the delivery tasks that are doable on the site. You can even earn money by helping people unpack their stuff.
- Sell used items: If there are items you need to get rid of, then try selling them on sites such as Craigslist, eBay, or Amazon. You can also bring them to thrift stores to see if you can get anything for them.
- Do 10 Fiverr tasks: Fiverr is a website where people can buy and sell services for $5. You can offer to do services like draw pictures, give advice, or perform silly acts on video.
- Rent out your couch: I've seen people renting out their couches on Airbnb, and this lister in San Francisco is renting a couch out for $50 a night.
- Participate in surveys: Participate in surveys to make extra money. Sometimes all you have to do is answer a few questions. For example, this recent Craigslist listing by Google is offering $25 for a phone interview about your shopping habits and another $100 for an in-person interview. There are plenty of legitimate opportunities that you can find through Craigslist. Of course, there are plenty of scams, as well, so be careful when responding to these listings.
Google certainly has expensive taste — news broke today of the search engine behemoth acquiring navigational app Waze for a mind-boggling $1.3 billion. Even with Google's spend-happy acquisition history, this purchase is one of their most costly ones. Here are the most expensive purchases by Google:
Along with finding basic home essentials at your local flea market, you might be surprised by the other unique items that you can pick up for a steal. We headed to our favorite local fair and couldn't believe the cool finds that were all budget-friendly. From vintage glasses frames to tailored suits, get ready to haggle for the best price around with these unique flea-market finds. Click through to find out what we were willing to pay for items!
Don't be discouraged if your degree doesn't scream "high-roller," Business Insider shows us how even low-paying majors don't have to live paycheck to paycheck.
College graduates these days face an average debt of $25,000 and a shaky job market.
It may seem like a finance or medical degree is the only good option in this scenario, but we're a little more optimistic.
Even if you have a degree in one of PayScale's lowest-paying college majors, it is possible to find a career that pays surprisingly well. In most cases, these aren't careers that happen over night, and many will require years of experience and working your way up through the ranks. The point is that a low-starting salary alone shouldn't deter you from pursuing a certain degree or career path –– it's what you do with it that counts.
Note: Each job listed requires a bachelor’s degree. Salaries noted are mid-career estimates.
Journalism graduates barely scrape by to begin with, earning a median salary of $35,600 and typically only reaching $64,700 halfway through their career, according to PayScale.
Here are three journalism jobs that pay more:
- VP, Communications: $139,000
- Corporate Communications Director: $103,000
- Public Relations Director: $80,000
Although many women dream of their wedding when they were girls, I'm betting that as kids, most of them weren't able to process how much the big day costs. It's only after we've become adults and deal with grown-up stuff like school loans and 401k contributions that the true cost of a wedding really hits home.
Going into debt because of a wedding isn't exactly the most romantic way to start a marriage, so read on for suggestions to help you save money on your wedding.
We know that your credit score can be scary, but taking steps to improve it can make a huge difference. DailyWorth offers tips on what you can do to improve your scores right now.
Improving your credit score does require some patience and perseverance — a significant increase can take 12 months or more, according to experts. But it’s worth the effort. A jump of even 100 points can translate into thousands of dollars in interest saved on a loan or mortgage. If you applied for a 30-year mortgage loan for $200,000, for example, the difference between a FICO score of 650, which is considered good, and one of 750, which is great, could be nearly $34,000 in savings, thanks to the lower interest rate the higher score could get you. FICO scores can range up to 850, though one of 760 or more will often qualify you for the best rates. If your FICO falls short, try these six steps to get a stronger score.
RELATED: How I Ditched My Debt For Good
Automate your bill payments.
Setting up automatic monthly payments can help ensure you won’t miss or delay a payment, which can cost you — both in additional interest you may owe and in credit score points. Even one 60-to-90-day late payment can hurt your score, says Jean Chatzky, a financial journalist and author of Pay It Down!. If you know that you are going to be late because of an unusual circumstance, such as an unexpected illness or job loss, call your issuer and let them know in advance. They might even give you a grace period.
The words "Summer" and "beach" might as well be synonyms, because nothing is better than hanging seaside when the temps heat up. It's as if all the other months of the year revolve around the days we can soak up the sun and lounge with a drink in hand. But if you don't live close to the waves or can't hop on a plane to get there, don't worry — you don't have to settle for a case of FOMO (fear of missing out). Just bring the beach home! Before you think it's too difficult or utterly ridiculous, check out these simple tips. Before you know it, all your friends will be beelining it to your place. Beach party, anyone?
Set the Scene With Decor
Tropical pillows, nautical blues, coral accents, breathable linens — they're all the makings of a beachy abode. Think of other touches that scream "Summer," like bringing hammocks and lanterns indoors if you don't have a backyard.