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The 20 Best Neighborhoods in Salt Lake City in 2021

What started as a pioneer settlement has now grown into one of the most desirable cities in the western United States. Salt Lake City is one of, if not the best places to live in Utah. Due to recent events and changes in the remote work environment, crowds are flocking to the valley to take up permanent residence and it’s also quickly becoming a hub for tech companies.

While there truly isn’t a terrible place to live in the city, some areas are better than others when it comes to shopping, dining, architecture, views and a few other factors. Here are the best neighborhoods in Salt Lake City to give you an idea of what most residents enjoy about where they live.

Salt Lake City.

The Avenues

Potentially the most desirable neighborhood in Salt Lake, The Avenues have a little bit of everything. It’s nestled in the northeastern corner of the valley, offering great views of the city. Plus, its charming historic homes and family-owned restaurants create a quiet, quaint atmosphere.

Since it’s just at the foot of the mountains, there are plenty of hiking trails literally at your doorstep. There are many parks and walkable areas, perfect for anyone wanting an active lifestyle or who has pets that like spending time outdoors.

Sugarhouse

Full of unique restaurants, bars and coffee shops, Sugarhouse is a lively neighborhood where you’ll never be bored. With the University of Utah and Westminster close by, many students live in the area. However, there’s also a mix of established families and young professionals in the area.

Sugarhouse is walk- and bike-friendly. Most major roads have bike lanes and wide sidewalks to keep them safe for bikers and pedestrians. Plus, everything you could ever need is within walking distance. Whether you’re looking for groceries, boutiques or a cool cafe to spend the afternoon in, it’s close by.

Capitol Hill in Salt Lake City, Utah.

Capitol Hill

Capitol Hill, named for its location around the state capitol building, tends to attract many young professionals. It has plenty of parks for outdoor enjoyment and bars for indoor entertainment and mingling.

The homes and apartments in this neighborhood are mostly older buildings that have gone through renovations. While the buildings maintain their original charm, so you’ll see that they have a clean, modernized touch. Capitol Hill also has some of the most incredible views of the city, overlooking the entire valley. Notably, it has views of downtown and Temple Square. This view is especially stunning during the winter holidays, the Fourth of July and the local Pioneer Day celebrations.

Downtown

Salt Lake City’s most active area is certainly Downtown. There are more restaurants, cafes, bars than anyone could probably visit in their lifetime. There’s also great shopping—anything from small boutiques to large commercial shopping centers.

Many people both live and work downtown, often walking, biking or taking the UTA TRAX whenever they need to get somewhere. In fact, the downtown area has some of the best walk, bike and overall transit scores in the valley. Its walk, bike and transit scores are 87, 93 and 69, respectively. So owning a car is purely optional for residents here.

9th and 9th

The coveted 9th and 9th neighborhood is a well-known shopping and eating hangout. Filled with boutiques and delicious restaurants, it has a very calm, leisurely feel to it. The relaxing vibe is partially created by the amazing art that is around every corner. The other great part of 9th and 9th is the fun people you can find behind every door.

Homes in this area seem a little on the small side, but they’re both funky and chic. Pulling from the old architecture of original houses built in the early 1900s, the homes mix in newer stylings to stay modern.

Salt Lake City.

Yalecrest

Yalecrest initially attracts students who are attending school across the street — at the University of Utah. But once they finish their studies, they end up staying years after the fact. Its easily walkable streets are very safe. And the neighborhood has enough local stores and restaurants that owning a car isn’t necessary for day-to-day life. Plus, it’s near the UTA TRAX and bus lines in case you do need to travel further.

If you’re a fan of Tudor-style architecture, Yalecrest is a visual treat. It’s not a typical cookie-cutter suburb — it’s full of unique homes of all designs, complete with brick and exposed wood beams.

East Bench

The East Bench neighborhood is known for its unobstructed views stretching all the way over to the Great Salt Lake. The neighborhood is over the side of the eastern mountains lining the valley. While many of its residents are older and more established, there are also many younger families taking up residency.

East Bench is further away from the busy city, but it’s still close to everything you could need. It’s also only a 10-minute drive to downtown, where there’s great entertainment and food. Residents are out of the constant city bustle but they still enjoy the city perks.

Temple Square in Salt Lake City.

Temple Square

At the heart of downtown Salt Lake, Temple Square and the surrounding streets are surprisingly calm and kept very neat and tidy. Many members of the Church of Jesus Christ of Latter-Day Saints live and work in the area (depending on what you’re after, this could be a pro or a con).

You’ll find lots of church history museums, along with other church-owned properties. Such properties include a large tabernacle, a conference center, and, of course, the Salt Lake Temple. The area is very walkable and near lots of public transportation, including the UTA TRAX and FrontRunner.

Sugar House Park

Perhaps the best park in Salt Lake, Sugar House Park is not only big, but it’s beautiful. It boasts beautiful views of the mountains, lots of trees, a pond and various sports courts.

The Sugar House Park neighborhood is also near a large shopping and dining center right off the freeway. Everything is at your fingertips and it makes owning a car unnecessary.

Westminster

As its name suggests, the Westminster neighborhood surrounds Westminster College. It’s no surprise that there are many students living in the area. However, students aren’t the only ones enjoying the neighborhood.

Being so close to a shopping and dining hub, this neighborhood draws in the crowds. Here, you can enjoy good food and fun bars, many of which have classic bar games like pool and darts. You’ve also got a few parks nearby. Liberty Park is one of the best, there’s always an event happening and you can catch live music, markets and festivals.

The Country Club

Right off the freeway at the mouth of Parley’s Canyon, The Country Club is a classy neighborhood full of larger homes. By “larger homes,” we mean in comparison to the other smaller historic homes typically found in Salt Lake.

This neighborhood encircles a large country club with a golf course. Many of its residents fall under the “well established” category of older folks who have done well for themselves. You won’t find better-kept homes or yards anywhere in the valley and even strolling through the streets is a treat in and of itself.

Salt Lake City neighborhood.

Highland Park

Highland Park is a fun, eclectic area with a combination of shopping and dining like you’ve never seen before. Instead of boutiques and chain restaurants, you’ll find the likes of stores selling plants, yard decor and secondhand books, along with classic Dutch and Greek cuisine.

It is truly a one-of-a-kind neighborhood that transports residents and visitors to different places and times. However, if that’s not your cup of tea, you’re right off the freeway and less than 15 minutes from downtown.

East Central

Sandwiched between downtown and the University of Utah, East Central is home to many young residents. Many of those living here are attending school or just starting out in their careers. Walking is a reasonable mode of transportation and you’ll find not only everything you need to live nearby but the added benefits of concerts, live theater shows and museums.

Those living in East Central are in it for both work and play, and you’ll find a good community of social beings there.

Wasatch Hollow

The mellow, tree-lined streets of Wasatch Hollow are home to a wide range of people of all ages and various backgrounds. This neighborhood has a close sense of community, where people live for a long time and watch out for each other.

There are plenty of parks for taking a walk or spending a nice afternoon. And the many coffee shops scattered throughout the streets provide a place to meet other locals, see art from up-and-coming artists and experience live music.

This Is The Place Heritage Park.

Sunnyside East

Like East Bench, Sunnyside East has amazing views across the valley to the Great Salt Lake. However, it is slightly more secluded. This neighborhood contains the Hogle Zoo and This Is The Place Heritage Park, where you can attend various events all year long, including holidays — such as Zoo Lights and a German-style Christmas market.

Because it’s further from things, you’ll likely need a car if you live here. But the proximity to multiple hiking trails and stunning views of both the mountains above and the city below are worth the trade-off.

Bonneville Hills

Adjacent to the Bonneville Golf Course, Bonneville Hills is in a prime location near just about everything. It’s only a few minutes from downtown, the University of Utah, the Hogle Zoo, This Is The Place Heritage Park, restaurants, bars, cafes, shopping — you name it and it’s within reasonable walking distance or a short drive.

Although it’s reasonably close to the University of Utah, residents of the neighborhood include families and young professionals, with only a few students in the mix.

Park in Salt Lake City, UT.

Central City

Central City is full of young professionals who bring a vibrant, artistic vibe with them. Here you’ll find loads of indie coffee shops and cafes, many of which have extraordinary menus that cater to the residents of the neighborhood.

Because Central City is near downtown, there are many opportunities to experience live performances of all kinds, whether it’s music or comedy, and there’s lots of local art displayed in coffee shops, painted onto buildings and in galleries throughout the city.

Liberty Wells

With a good mix of young, old and everything in between, you’ll meet people from all walks of life in Liberty Wells. It’s also close to just about everything and has been seeing lots of improvements throughout the neighborhood, including new apartment buildings to provide housing for even more people in the area.

And although new buildings are popping up, there are still plenty of the old ones still standing, providing a good balance between vintage and modern architecture. Like many other neighborhoods in Salt Lake, Liberty Wells doesn’t lack food, drink or good company.

University District

Tucked in the eastern corner of Salt Lake, just inside the hills is the University of Utah and the University District. While many students live in this area, there are also residents who work at the University of Utah. Those working for the University include a wide range of careers, not just teaching — there’s a hospital and various research centers connected to the university.

While you’re slightly further away from most shopping and dining, it’s just a few minutes down the road if you’re ever in the mood for it.

Red Iguana in Salt Lake City, UT.

Photo source: The Red Iguana Restaurant / Facebook

Fairpark

Fairpark is one of the more culturally diverse neighborhoods in Salt Lake City and with that comes some of the best culturally diverse restaurants in the valley. It’s home to one of the city’s most well-known restaurants, the Red Iguana, which is typically packed most evenings, but well worth the wait!

Apart from the food, Fairpark is near the heart of the city, so entertainment and nightlife are never far, and it’s near the freeway, giving access to anywhere else around Salt Lake, including ski resorts and hiking trails.

Which Salt Lake City neighborhood fits you?

These are only a few of the many neighborhoods in Salt Lake City and each of them has its own unique combination of offerings to residents. It’s important to choose a neighborhood that fits your personality and lifestyle, whether you’re buying a home for the long term or renting an apartment for a shorter period. With so many great options, you can find apartments for rent in Salt Lake City in a neighborhood that suits you!

The post The 20 Best Neighborhoods in Salt Lake City in 2021 appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

The Best Neighborhoods in Salt Lake City

One of the most family-friendly cities in the west, Salt Lake City has more to offer than many might think. While it’s not an extremely large city, it’s definitely not small — and it’s growing. A lot.

It’s slowly becoming a new hub for tech companies, creating an abundance of jobs and drawing in the crowds from out of state. Although people are coming in droves, rent prices went down last year and you can typically find a one-bedroom apartment for between $1,200 and $1,300.

With prices like that, there’s no better time than now to find the perfect neighborhood for you in Salt Lake City.

Sugarhouse

Sugarhouse in Salt Lake City.

Photo source: Apartment Guide / 21 and View

Sugarhouse offers the best of everything — a quaint suburban feel, lots of fun, independently-owned restaurants and it radiates an eclectic feeling. Not to mention that it’s near the mouth of Parley’s Canyon, making it easy to find hikes nearby or hitting the slopes in Park City.

It’s also a really safe area, which is why there are so many people always looking to move to Sugarhouse. There are many parks, notably Sugarhouse park, which has plenty of wide-open grass fields, pavilions for public use, basketball courts and a pond.

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The Avenues

The Avenues in Salt Lake City.

The Avenues is a fairly affluent area — home to lots of historic buildings and houses built in the 1920s and 1930s. Although it’s a little more expensive here, it’s for good reason.

It has the old charm, but with new, vibrant residents that have given new life to the neighborhood over the last decade or so.

The neighborhood is safe and beautiful and it’s easy to walk to restaurants and shops in the area.

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Downtown

Salt Lake City.

Downtown is right in the middle of everything — it’s truly the heart of Salt Lake City. There’s a good mix of the old and the new, with historical sites and beautiful architecture.

There’s also lots to see and do, whether you’re wanting to try a great restaurant or shop at the massive City Creek shopping center.

You can walk most places, but you’ve also got the TRAX and FrontRunner trains that not only will get you around downtown but will get you to other outlying parts of the valley quickly (and you don’t have to deal with the traffic).

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Capitol Hill

Capitol Hill in Salt Lake City.

The area surrounding the state capitol building, fittingly named Capitol Hill, is one of the most desirable neighborhoods. Not too far from downtown, you are in close proximity to endless entertainment.

As noted by the name, it’s right on top of a hill, which overlooks the entire Salt Lake valley for some of the best views you can get. Furthermore, one of the favorite local activities every year is strolling through the cherry blossom trees that line the capitol building.

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Yalecrest

Yalecrest in Salt Lake City.

Photo source: Apartment Guide / the New Broadmoore

Safe, diverse and historic are three words that perfectly describe Yalecrest. Here, you’ll find incredible homes — many larger Tudor-style homes that make you feel like you’re in another century.

You’re right by many trendy restaurants and food markets, not to mention you’ve got both Sugar House Park and Liberty Park nearby.

A simple neighborhood walk through Yalecrest is a treat — the mature landscaping and exposed wood beams on homes never grow boring.

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Wasatch Hollow

Wasatch Hollow salt lake city

Photo source: Redfin / 1838 E Kensington Ave

Wasatch Hollow feels like many other city suburbs. It’s quiet and fairly safe but has a diverse crowd of residents to set it apart from other neighborhoods.

Many young families are settling down in the area since it’s close to grocery stores and good schools. While it’s not quite Yalecrest, full of beautiful Tudor-style homes — it’s pretty close to it with fully matured tree-lined streets and well-kept homes.

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Central City

Central City in Salt Lake City.

In Central City, you’re about as close to Downtown as you can get without actually being downtown. The age of the area is easily noticed — but in a good way.

Expect a mixture of old historic homes from different times and architectural periods and lots of restaurants with decades of history, along with newer bars and coffee shops.

The area attracts lots of young professionals who work downtown and don’t mind having a little less square footage to live in. Even with the smaller living quarters, the distinct indie vibe of Central City is well worth it if you’re looking for an interesting day-to-day life.

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Rose Park

Rose Park in Salt Lake.

While it didn’t always have a great reputation, Rose Park is now an up-and-coming neighborhood. It’s a fairly peaceful and quiet area that’s seeing a revival — more and more people are flocking to it.

Couples and young families are turning Rose Park into a more youthful area. More restaurants are opening up to accommodate the crowds.

Soon, it’s expected that the area will be one of the most lively in the valley.

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East Bench

East Bench in Salt Lake City.

Settled into the hills of the mountains to the east of the Salt Lake valley, you’ll find East Bench. This neighborhood is full of single-family homes and well-established, older residents.

Most of the homes are large and spacious here — unlike many other neighborhoods in the lower valley with smaller and tightly packed streets.

There are no grocery stores or shopping centers in the actual East Bench neighborhood, but there’s plenty nearby, — so you’re not missing out on anything important.

Despite being further from local amenities, the view from the neighborhood is an exceptional one.

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Poplar Grove

Poplar Grove in Salt Lake City.

Photo source: Apartment Guide / Cornell Street Apartments

One of the larger neighborhoods within Salt Lake City, Poplar Grove lies just east of downtown. And like some of the other neighborhoods, it’s been given new life in recent years.

It’s maintained a diverse demographic throughout the years, which is part of what makes the neighborhood great. Being so close to downtown means there’s no shortage of things to do, restaurants to eat at and shopping spots to explore!

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People’s Freeway

People

In People’s Freeway, you’ll find it’s full of laid-back restaurants and activities. Smith’s Ballpark is in the neighborhood, where you can catch Salt Lake’s minor league baseball team, the Bees.

Most residents in this area live in apartments or condos, which have drawn in more young professionals and young couples, rather than full families. And the neighborhood caters to those young professionals and couples — with plenty of chill bars and affordable restaurants around, it’s easy to meet new people in the same stage of life.

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Fairpark

Fairpark in Salt Lake City.

Fairpark, given its name for the fairgrounds in this neighborhood, is a truly eclectic area of Salt Lake.

Full of great ethnic cuisine, Fairpark offers up some of the best Mexican and Asian restaurants in the city. Furthermore, if you’re one who likes to cook cultural foods at home — there is a surplus of ethnic markets so you can buy anything you need for authentic dishes.

Fairpark is close to downtown, but a bit quieter. You still feel like you’re in the city but in a lesser-known part. You’re far from the hustle and bustle of the big city and can explore this hidden gem of a neighborhood in peace.

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Liberty Wells

Liberty Wells in Salt Lake City.

Full of restaurants, coffee shops and bars — the Liberty Wells neighborhood attracts some of the most interesting, eccentric people in the valley. Most are young professionals, so it’s no wonder the area maintains a vibrant atmosphere.

There’s not too much traffic and you can walk most places in Liberty Wells. Local businesses offer everything from handmade postcards to imported cheese — you’re always bound to find something interesting and unexpected around every corner.

If you’re wanting to meet new people, this is one of the friendliest neighborhoods where you can grab a drink and chat with almost anyone.

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Bonneville Hills

Bonneville Hills in Salt Lake City.

Bonneville Hills is your typical suburb — quiet, safe and beautiful in its own right.

With great K-12 schools in the area and the University of Utah close by, lots of families, college students and young professionals enjoy living in the neighborhood.

There are parks around every corner and you’re minutes away from many hikes and canyons, so there’s no shortage of outdoor activities right outside your front door.

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Glendale

Glendale in Salt Lake City.

Established during World War II, Glendale is one of the friendliest neighborhoods you’ll find. Its close sense of community attracts families and couples looking to settle down for a while.

With such an engaging community, Glendale brings in plenty of diversity, blending together Hispanic, Polynesian and Native American cultures — along with many others.

Plus, it’s one of the more affordable areas close to downtown, which certainly doesn’t hurt.

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Which Salt Lake City neighborhood is best for you?

There are so many wonderful neighborhoods in Salt Lake City, it’s hard to choose where to live. No matter which neighborhood draws you in, you’re sure to find that Salt Lake is a wonderful, diverse city that you’ll fit into quickly.

So check out Salt Lake City apartments to rent or homes to buy to get started with your move!

The post The Best Neighborhoods in Salt Lake City appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

Source: apartmentguide.com

20 DC Apartments for $1800 or Less

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 This week we found 20 apartments for under $1800 available to rent now in Washington, DC! Apartment hunting on a budget in Washington, DC can be challenging. It’s all about what trades you are willing to make.  A less trendy neighborhood will likely result in a larger apartment or a lower rent. Is a state of the art gym a must-have amenity for you? That’s okay, just know that you’re going to be squeezing into a smaller apartment.  The good news is, there are plenty of options!  This week we bring you 20 apartments for under $1800 available to rent now!

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1400 Van Buren

One Bedroom $1395

1400 Van Buren NW
Washington, DC 20012

1400 Van Buren is an apartment community with one and two-bedroom apartments for rent in the Brightwood neighborhood. You will feel comfortable and at home in these apartments with their beautiful hardwood flooring, ceiling fans, central A/C, and spacious floor plans. The apartments are located in a charming brick building with controlled access, on-site maintenance, on-site management, on-site laundry facilities, and more. 1400 Van Buren’s convenient location gives residents access to everything they need on a daily basis.

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Park Chelsea at the Collective

Studio  $1800

880 New Jersey Avenue SE
Washington, DC 20003

Park Chelsea at the Collective is the first phase of three buildings that make up The Collective.  The concept is that no matter at which of the three buildings you live, you have access to amenities at all three buildings.  Amenities include indoor pools, rooftop heated pools, clubrooms, fitness centers, Peloton bikes, golf simulator, hydro massage beds, and even a Whole Foods on site.  This time of year, you can get great deals on apartments and this studio for $1800 is an exceptional value for everything you get with your rent!

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Alexander Gardens

1 Bedroom  $982

1617 17th Street SE 
Washington, DC 20020

Park Pleasant located off 16th Street in the District of Columbia. Beautifully landscaped, this comfortable, sought-after community is convenient to Adams Morgan, is within walking distance of the Columbia Heights Metro Station, and is four blocks the new Target and Staples! Park Pleasant offers affordable, spacious studios, one bedroom and one bedroom/den apartments. So don’t delay, call or visit Park Pleasant today!

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Park Pleasant

1 Bedroom  $1700

3339 Mt. Pleasant Street NW
Washington, DC 20010

Welcome to Park Pleasant located off 16th Street in the District of Columbia. Beautifully landscaped, this comfortable, sought-after community is convenient to Adams Morgan, is within walking distance of the Columbia Heights Metro Station, and is four blocks the new Target and Staples! Park Pleasant offers affordable, spacious studios, one bedroom and one bedroom/den apartments. So don’t delay, call or visit Park Pleasant today!

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Baystate Apartments

Studio  $1595

1701 Massachusetts Ave NW
Washington, DC 20036

Looking for features that look and feel like they came from a book and tell a story? The Baystate offers beautiful studio apartments for rent in a variety of floor plans. All utilities are included! No need to worry about extra bills. With the Dupont Circle neighborhood of Washington, DC only two blocks from your front door, be fascinated with local culture and flavor. Having the Red Line Metro within walking distance means all of Washington, DC is yours to explore. Find touches of extraordinary in the every day.

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The Kenmore

1 Bedroom  $1749

5415 Connecticut Avenue, NW
Washington, DC 20015

Experience a lifestyle that is as rich in history as it is in local activities. The Kenmore’s Connecticut Avenue location is distinct and convenient. This residence offers a 24-hour concierge beautifully renovated, classic style interiors. Spacious studios, one and two bedroom apartments are equipped with expansive windows that offer exceptional views.

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Frontenac

Studio  $1560

4550 Connecticut Ave NW
Washington, DC 20008

The Frontenac is nestled in the heart of elegant upper-Northwest. The Frontenac boasts spacious apartments with updated kitchens and bathrooms. Its classic architectural style, evident in our grand lobby’s high ceiling and in our apartment units’, arched doorways and traditional wainscoting, attracts tours of local art history students.You can meet your neighbors or take advantage of WiFi on the Frontenac’s peaceful roof deck or in its spacious laundry room. Take a stroll to the Van Ness metro station, Giant, Whole Foods, pharmacies, dry cleaners, restaurants, shopping, and great schools for students of all ages. Our neighborhood is full of hidden gems..

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The Channel Apartments

Studio  $1778

950 Maine Avenue, SW
Washington, DC 20024

The Channel is the beating heart at the center of The Wharf. With an industrial design aesthetic and jaw-dropping amenity spaces, including a one-acre rooftop green space, this is an urban lifestyle that’s here to be explored, taken in, and experienced like never before. These stylish apartment residences, situated in the heart of a bold and vibrant waterfront neighborhood, are designed to deliver both modern beauty and faultless functionality. Join the ranks of those who live life amplified and move to The Channel today.

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The Swift at Petworth Metro

Studio  $1800

3828 Georgia Avenue NW
Washington, DC 20011

The Swift is one of our favorite communities in the Petworth neighborhood. The Swift’s beautiful apartments, luxurious amenities, and fantastic location allow residents to fully immerse and enjoy themselves in city life. The building offers studio, one, and two-bedroom apartments. The apartments are pet-friendly, spacious, and comfortable, while still maintaining a luxurious and stylish feel. Residents have access to a clubroom, fitness center, a rooftop with lounging areas, grills, and a fire pit. Whether you are simply coming and going from your apartment or lounging on the rooftop, any and all dogs and other pets are more than welcome. 

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Hampton Courts

Studio  $1095

2013 New Hampshire Ave NW
Washington, DC 20009

***Special Note about this unit.  It does have a full kitchen.  But with that location and the service at this building, this unit is a steal!!!****

Constructed in 1926, Hampton Courts has the elegant appeal of the early 20th-century architecture. The building is equipped with two elevators, a controlled intercom entrance, and a laundry room with a card payment system. The studio, one, and two bedroom apartments at Hampton Courts has updated appliances and spacious floor plans. All utilities are included in your rent, so no need to worry yourself about additional bills. The U Street Metro Station is three blocks away and provides access to the yellow and green lines. Zipcar and car2go vehicles, as well as Capital Bikeshare bicycles, are just a block from the building giving you endless means of transportation. The Saturday Farmer’s Market, Yes Organic Market, Trader Joes, Vida Fitness and several yoga studios are all a few blocks away from your front door. Come and explore the city living in Hampton Courts.

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Twin Oaks

Studio  $1350

3802 14th Street NW
Washington, DC 20011

Twin Oaks is a Columbia Heights apartment community that consists of two unique buildings with a variety of studio, one, two, and three-bedroom apartments for rent. Situated at the intersection of 14th Street and Quincy Street NW, Twin Oaks Apartments conveniently connects its residents to a unique group of local shopping and dining hot spots. The apartments and amenities will make you feel right at home. Enjoy spacious floorplans, hardwood floors, and central AC in the units while having access to the building’s on-site maintenance and management, laundry facilities, and package receiving services.

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Dupont Apartments

Studio  $1535

1717 20th Street NW
Washington, DC 20009

Living at the Dupont Apartments will give you the lifestyle you want, and the location you need. The apartments feature hardwood floors, high ceilings, and spacious floorplans in a controlled access building. You will love the floorplans at Dupont Apartments. They have the best micro-units in DC, and several one-bedroom floorplans to choose from. The building is located in one of the most desired locations in all of DC. DuPont Circle provides easy access to public transportation, a variety of restaurant and entertainment options, and a quick commute to many of DC’s finest attractions.

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6100 14th Street

1 Bedroom  $1389

6100 14th Street NW
Washington, DC 20011

Located in the Brightwood neighborhood of Washington, DC. There are no limitations set when living at 6100 14th street; tons of shopping and dining options nearby, a Metro bus stop right at your doorstep and only a mile to the nearest metro station. Offering spacious and affordable one and two bedroom apartment homes.

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Cambridge Square Apartments

1 Bedroom  $1595

4909 Battery Lane
Bethesda, MD 20814

Downtown Bethesda is growing by leaps and bounds, and you’ll find Cambridge Square at the heart of it all. This jewel of a property is so convenient, yet quietly backs up to a park setting. Experience a wide variety of new and exciting shopping and dining options. Cambridge Square offers an easy commute to Washington, D.C. via Bethesda Metro Station. Featuring spacious and affordable one, two, three and four bedroom apartment homes to rent. Cambridge Square floorplans offer large walk in closets and hardwood flooring.

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Klingle Apartments

1 Bedroom  $1730

2755 Macomb St. NW
Washington, DC 20008

Right on the corner of Connecticut Avenue and Macomb Avenue, you will find the Klingle. This beautifully landscaped and maintained property couldn’t be more convenient. Located at the corner of Connecticut Avenue and Macomb Street, The Klingle is in easy walking distance to Cleveland Park’s most popular shops and restaurants, not to mention the Cleveland Park Metro Station, National Zoo, and locally-famous Uptown Theater.

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Parkside Apartments

1 Bedroom  $1695

1702 Summit Place NW
Washington, DC 20009

Well designed apartments for rent that use every inch of space thoughtfully. Hardwood floors that shine when natural light pours through the windows and bounce off of them. Arched doorway details add architectural interest and the kitchens have gas stoves for cooking gourmet meals. Best of all, these affordable apartments are just blocks from both Adams Morgan and Columbia Heights; our Walk Score of 91 proves it. This is the life.

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Calverton

1 Bedroom – $1775

1673 Columbia Road, NW
Washington, DC 20009

Simple elegance. The best things in life don’t have to be bragged about. They can be simply appreciated each time you arrive home. The Calverton Apartments are in in the heart of the Adams Morgan neighborhood of Washington, DC. An array of restaurants and grocery options are within minutes of your apartment. Inside, you’ll find updated kitchens with energy efficient appliances, grand living rooms and large windows for natural light to pour in. Whether you choose to rent a studio, one-bedroom or two-bedroom apartment, you will be treated to beautiful hardwood floors and ample closet space. This is thoughtful living.

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Penn View Apartments

1 Bedroom  $1165

2515 R Street, SE 
Washington, DC 20020

Design cannot be defined by one component but rather the artful intersection of style and function. Located just minutes away from Capitol Hill, Penn View apartments offer affordable efficiencies, one, and two-bedroom apartment homes for rent. Penn View’s luxurious kitchens and functional floor plans are just a few of the features you’ll find at this community. Quality is always on trend.

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Wakefield Hall

1 Bedroom  $1795

2101 New Hampshire Ave NW
Washington, DC 20009

Wakefield Hall’s decorative facade gives way to just as beautiful apartments. Hardwood floors, updated kitchens, and walk-in closets create a charming and comfortable living space. Wakefield Hall is located near U St./Cardozo Metro Station, giving you access to all DC has to offer via the yellow and green lines. You can step out your front door and experience the cultural vibes within your neighborhood.

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3801 Connecticut Avenue

Studio  $1750

3801 Connecticut Avenue, NW
Washington, DC 20008

3801 Connecticut Avenue offers incredibly spacious studio and one bedroom apartments on one of D.C.’s liveliest boulevards. Residents enjoy the convenience of restaurants, unique shops, and a plethora of activities and site seeing opportunities just walking distance from their homes. You’ll fall in love with the new in-unit renovations at this community, whether it is with the designer plank floors, detailed back-splashes or stainless steel appliances. With a metro stop a few blocks away, the options are limitless in these beautiful apartments!

Looking for something different?
Search available apartments in the Washington, DC area now.

Read 20 DC Apartments for $1800 or Less on Apartminty.

Source: blog.apartminty.com

What to Expect in Apartment Living in 2020

As the Bob Dylan song goes, the times, they are a-changin’, and that couldn’t be truer than for apartment living.

Renting used to be a lower rung on the ladder as you climb toward the American dream — owning a single-family home in the suburbs. But as homes increase in cost and competition, renting is on the rise.

According to Harvard’s Joint Center on Housing Studies 2017 rental-market report, the number of high-income households (earning at least $100,000) renting their homes rose by 6 percent from 2005 to 2016. As a result of this increase, apartment complexes have added more amenities to appeal to the influx of renters. The same study found that in 2016, 89 percent of new apartments offered in-unit laundry and 86 percent provided swimming pool access.

This is only the tip of the iceberg. Today’s apartment complexes are not what they used to be, and apartment living is significantly nicer and more desirable than it was just 10 years ago. Here’s what you can expect for modern apartment living in 2020.

1. High-end amenities

indoor pool

Forget the bare-bones coin-operated laundry room and trash dumpster in the back parking lot or basement. According to NMCH’s 2018 Consumer Housing Insights Survey, 83 percent of adult and millennial renters said it was important to have an apartment that offered convenience and flexibility. Additionally, fast internet access, technology, and green initiatives are now considered must-haves for modern apartments.

To keep up with the competitive rental market, apartment complexes are upping the ante when it comes to amenities. In-unit laundry and pool access are quickly becoming par for the course, while many luxury complexes offer trash collection and recycling programs, high-speed internet, fitness centers, eco-friendly rooftop gardens and communal spaces, such as BBQs and theater rooms. These amenities make it easier to enjoy life at home and to entertain friends and family, just as one would if they owned a single-family home.

2. Online communication with apartment management

Speaking of convenience, flexibility and technology, many modern apartment complexes simplify the tasks that were previously pain points of renting — namely, rent payments, maintenance requests and apartment management communication. A number of complexes are capitalizing on technology to streamline these tasks.

For example, rather than having to mail a check each month, platforms like RentPay allow renters to automate their rent payments and pay via credit card or electronic check. Even if a landlord doesn’t accept electronic payments, RentPay prints a physical check and mails it directly to the landlord each month.

Additionally, it’s becoming more common for larger apartment complexes to offer an online portal or website for easier communication with apartment management, from submitting maintenance requests and asking questions to renew leases and sign contracts. This saves renters significant time and money.

3. More emphasis on safety and security

keypad

In the past, one of the downsides of renting was security. With people constantly going in and out of the building or complex, it seemed as if anyone could walk in. With so many technology advances this past decade, in terms of access and price, it’s easier for complexes and renters to invest in security.

Many of today’s complexes offer gated access to the parking lot, codes for elevator access and security key fobs to all points of entrance. Some even offer enhanced security within the individual units, like video doorbells and camera security systems.

If your building doesn’t offer in-unit security features, there are multiple home security options available that are non-intrusive, as far as security deposits and installation are concerned. Simply plug in the device and monitor your apartment from your smartphone. Many systems are easy to pair with indoor security cameras and other alarms for additional safety.

4. Smaller space

While apartments are getting smaller in square footage due to space constraints and population growth, architects are getting smarter with layout designs to maximize every inch of a room. For instance, micro homes, the tiny house equivalent in apartment form, are as small as 350 square feet but make use of movable and folding furniture so it can serve as an entertaining space by day and bedroom by night.

Open floor plans are still popular and, while they can at first seem daunting to decorate, they offer the most options for room layouts. And thanks to more furniture companies starting to specialize in small home living, it’s much easier to find compact couches and dual-purpose furnishings that go beyond the futon.

Popular home stores like Pottery Barn, CB2 and IKEA offer couches, tables and other items designed specifically for small spaces. While it’s becoming harder to find spacious apartments, complexes are making up for it with communal spaces for entertaining.

Apartment living has changed for the better

If you’re looking for a place to call home, apartment living may be the perfect solution. The evolution of apartments in the past decade means they’re a favorable housing option for a variety of lifestyles — in both urban and suburban settings.

Lush amenities, online communication, security measures and optimized floorplans have helped renting become a more comparable alternative to buying. You can enjoy the in-unit laundry, entertainment amenities and peace of mind without worrying about the costs or inconvenience of maintenance tasks.

The post What to Expect in Apartment Living in 2020 appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

What Is Cash Back?

What Is Cash Back?

Cash back is a rewards benefit that many credit cards offer to cardholders. By taking advantage of it, you’ll receive back a prespecified percentage of certain purchases you make. Many credit card companies will provide higher cash back rates on certain types of purchases, such as airfare, gas, food and more. Cash back is just one way that credit cards offer rewards, as mileage and points are some alternatives.

Before you spend too much money with your credit cards, make sure you have a financial plan in place. Speak with a financial advisor today.

What Is Cash Back?

The most commonly recognized style of cash back is what you have likely seen advertised as cash back credit cards. This specifically refers to earning a certain percentage of your credit card purchases back as cash rewards. However, cash back rates vary widely, as do the categories that they apply to.

You usually won’t see credit card cash back rates higher than 5%, while 1% is the typically minimum you will earn. Cash back categorization is significantly more complex though, with a merchant category code (MCC) system being the main organizing force.

MCCs run the entire cash back industry, as they ultimately decide how each purchase you make is classified. These designations coincide with cash back rates set by the issuer of your card. For example, you could use your card for a $50 dinner at a steakhouse, which has a “restaurant” code. If your card offers a 2% cash back rate on all spending at restaurants, you’d earn $1 cash back.

Familiar alternatives to cash back include point- and mile-based programs, though many cardholders are partial to cash back. Cash back affords cardholders an independence that is ideal, since you can redeem it for nearly anything.

Popular Cash Back Credit Cards

What Is Cash Back?

Discover, American Express, Mastercard and Visa all have cash back rewards credit cards available for prospective cardholders. Each abide by their own set of regulations, though card issuers decide on cash back rates, promotions and bonuses. Chase, Wells Fargo, Citi and Capital One represent some of the most active card issuers on the market today.

Below are a few examples of what you can expect to earn when looking for a cash back credit card:

Cash Back Credit Cards Card Name Cash Back Rates Cash Back Bonus Costco Anywhere Visa Card by Citi 4% cash back on eligible gas up to $7,000 per year, 3% cash back on eligible travel and restaurants, 2% cash back in-store and online with Costco and 1% cash back elsewhere None Bank of America® Cash Rewards credit card 3% cash back in a category of your choosing, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases (up to a quarterly cap of $2,500 in combined grocery/wholesale club/choice category purchases) $200 bonus cash back for spending at least $1,000 over your first 90 days Capital One® Quicksilver® Cash Rewards Credit Card Unlimited 1.5% cash back everywhere $150 cash back bonus when you spend $500 during your first three months Citi Double Cash Card 1% cash back on your purchases and another 1% cash back when you pay your bill None Capital One® Savor® Cash Rewards Credit Card Unlimited 4% cash back on dining and entertainment, 2% cash back on groceries and 1% cash back elsewhere $300 cash back bonus for $3,000 spent over your first three months TD Cash Visa® Credit Card 3% cash back on dining, 2% cash back at supermarkets and 1% cash back on everything else Earn $150 cash back when spending $500 within the first 90 days (See Terms) USAA Preferred Cash Rewards Visa Signature Unlimited 1.5% cash back on everything None Blue Cash Everyday Card from American Express 3% cash back on up to $6,000/year at U.S. supermarkets (then 1%), 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on other purchases $150 bonus cash back for spending $1,000 over your first six months Getting Cash Back at Retailers

What Is Cash Back?

Picture this: you’re buying some groceries on a Sunday morning, but know you’ll need $40 cash to fill up your car with some gas later. You could swipe your debit card at the supermarket and then head over to the ATM. Or you could ask for cash back right from the cashier, eliminating the extra errand.

The above situation represents the alternative definition of cash back. It’s ultimately the use of a cash register as if you were swiping your debit card at the ATM. When you request cash back from a cashier, your bank account will be charged the amount you asked for. This enables the funds to be pulled from your account so the cash can be placed in your hand.

Although this generally only applies to debit cards, there are a few exceptions for credit cards. Discover® allows cardholders to ask for cash back at more than 50 large retail stores without a transaction fee.

Bottom Line

There are many benefits to utilizing credit card rewards programs. But spending money that technically isn’t yours will always involve some level of risk. If you’re in good financial shape, though, cash back and other types of credit card rewards can help you take more vacations, save money on purchases and more.

Credit Card Tips

  • Managing your credit cards and any debt you accumulate using them is a major part of your long-term financial outlook. Consider working with a financial advisor to make sure you’re managing your money with your goals for the future in mind. SmartAsset’s free matching tool can connect you with up to three advisors in your area. Get started now.
  • If you’re someone who wants freedom when spending credit card rewards, you may prefer cash back to a points- or mileage-based reward system. However, keep in mind that cash back rates are sometimes less than those in point-centric programs.

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Advertiser Disclosure: The card offers that appear on this site are from companies from which SmartAsset.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SmartAsset.com does not include all card companies or all card offers available in the marketplace.

Photo credit: ©iStock.com/SIphotography, ©iStock.com/MJ_Prototype, Â©iStock.com/Juanmonino

The post What Is Cash Back? appeared first on SmartAsset Blog.

Source: smartasset.com

The Ultimate List of More Than 50 Budget Categories You Must Use

The post The Ultimate List of More Than 50 Budget Categories You Must Use appeared first on Penny Pinchin' Mom.

It is no secret that you need a budget.  But, it is imperative that it includes everything.  Take the time to review your spending and don’t leave anything off of it.  Below you will find a list of household budget categories you need to include. Forgetting even one off might be a big mistake.

It is no secret that the number one thing you must do to take control of your finances is to create a budget.  Without one, you really can’t see where your money goes.  Or, more importantly, you don’t get to direct your money to be spent as you would like for it to be!

While there are posts on how to create a budget, one question I get frequently is, “What categories should I include in a budget?”   When you are new to making a budget, something such as a personal budget categories list can help.  I agree.

As you create yours for the first time, it is important you don’t leave off anything important. A successful budget is one that includes a line item for every way you spend your money.

If you are just learning about budgeting, you will want to check out our page — How to Budget.

There, you will learn everything you want to know about budgets and budgeting.

 

To help you get a jump start on with your budget, and to make sure you don’t leave off any categories, download our free budget template.  This form has helped thousands get started with creating a budget.

SIMPLE BUDGET CATEGORIES 

Once you have your form, you are ready to figure out your budget categories!  While you may not have each of these as individual line items on your form, just make sure you include them all somewhere in your budget!

 

DONATIONS OR CHARITY CATEGORIES

These are all of the monthly donations you make to various charities.  Don’t forget about those you may make only once or twice a year as well!

Church
Medical Research
Youth Groups

 

SAVINGS CATEGORIES

While not needed to live, it is crucial that you always pay yourself before you pay anyone else.  Once you meet your necessary expenses, ensure you are saving enough each month.

If you are in your employer’s retirement plan, you pay those before you get your paycheck, so you would not include them.  However, make sure you account for the different types of savings accounts you may have.

Emergency Fund Savings
Annual Fees, such as taxes, insurance, and dues
College Savings
Investments
Christmas/Birthdays/Anniversaries
Additional Retirement (outside of your employer’s plan)

Read More:  Yearly Savings Challenge

 

CATEGORIES FOR HOUSING

No one will forget to add housing to their budget.  But, make sure you include the amount you may save for repairs and other expenses. To figure out how much to budget, look over your prior year spending and divide that total by 12.  You will add this to your savings, but you can track it under your housing budget category.

First Mortgage
Second Mortgage (if applicable)
Property Taxes
Insurance
Home Owner’s Association Dues
Maintenance
Housekeeper/Cleaning
Lawn Care

 

PERSONAL BUDGET UTILITIES CATEGORIES

You can’t live without your water and electricity.  It is essential that you don’t leave any of these off of your budget either!  These are some of the basic budget categories most people will not intend to forget, but just might.

Electricity
Water
Gas/Oil
Sewer
Trash
Cable/Satellite/Streaming Services
Internet (if not part of your cable bill)
Phone

Read more:  How to Lower Your Utility Bills

 

FOOD

You have to eat. There are only two ways that happens  — you cook or you eat out. Make sure you include both of these categories in your budget.

Groceries
Dining Out

 

TRANSPORTATION CATEGORIES

You have to be able to get around.  That doesn’t always mean a vehicle as it could mean using other means of transportation.  Whatever method you use, make sure you include all of those expenses in your budget.

Remember that you may not have to pay for some of these items each month, but it is essential you budget for them monthly so that the funds are available when needed.

Vehicle payment (make sure you include all payments for all vehicles)
Fuel
Insurance
Taxes
Tags/Licensing
Maintenance
Parking Fees
Taxi/Bus Fares

 

CLOTHING

A line item many people leave off of their budget is clothing.  They forget that it is a necessary expense.  While this doesn’t mean you should go and buy new clothes all of the time, it does allow you to replace items which are worn out.

It is also essential that parents include this item as kids need clothes a bit more frequently.

Adult Clothing
Kids Clothing

 

CATEGORIES FOR HEALTH

Don’t forget your health expenses when determining a budget.  Make sure you include the money you pay towards your co-pays during the year.

Health Insurance
Dental Insurance
Eye Insurance
Doctor Visits
Dental Visits
Optometrist
Medications
Deductible Savings

 

PERSONAL ITEMS CATEGORIES

Personal is a “catch-all” category which may contain much of your discretionary spending!  Some of the most common types you need to include:

Haircuts/Manicures/Pedicures
Life Insurance
Child Care/Babysitting
Toiletries (if not included in your grocery budget above)
Household Items (if you did not already include in your groceries budget above)
Education/Tuition
Dry Cleaning/Laundry
School Dues/Supplies
Magazines
Gym Memberships
Organization Dues
Postage
Pet Care (food, grooming, shots, boarding)
Photos (school and family photos)
Random Spending (always useful as a way to pay for the things you may not have broken out in your budget)

 

RECREATION

We all love to spend some time doing things we love.  Don’t forget to include your entertainment category when determining your budget.

Entertainment (movies/concerts)
Crafts
Hobbies
Parties
Vacations

 

DEBTS

Once you pay off your debt, these will go away entirely and will no longer be needed.  You can learn how to get out of debt and get started with that (once you have your budget).

Credit Cards (all debt)
Unsecured loans
Home equity loans
Student loans
Medical loans

 

Now you have the categories you need for your budget!  Take the first step in getting control of your finances by putting this to work for you.

caclulator on desk to figure budget categories

The post The Ultimate List of More Than 50 Budget Categories You Must Use appeared first on Penny Pinchin' Mom.

Source: pennypinchinmom.com

How to Build Credit with Fingerhut

If you’ve been wanting to make a big purchase, but your credit is less than spectacular, you might have looked into Fingerhut as an option. 

Fingerhut is an online catalog and retailer that showcases a multitude of products. On this website, customers can shop for anything from electronics to home décor to auto parts. Fingerhut offers financing through their own line of credit, making it appealing to shoppers with poor credit or a nonexistent credit history. Many consumers have a better chance of getting approved by Fingerhut, than they might have of getting approved through most other credit card companies. It’s an option worth looking into if you want to improve your credit score through credit utilization.  

The major difference between Fingerhut and credit cards that cater to low credit scores is that Fingerhut credit is exclusively available for use with its own company’s products and authorized partners. You’ll also find that the company’s products are pricier than they would be through most other retailers, while also bearing the weight of higher interest rates. While it might seem like a good idea if you don’t have good credit, it’s best to familiarize yourself with the ins and outs of the company beforehand so that you know what you’re signing up for. 

How Fingerhut credit works

When you apply for a Fingerhut credit account, you can get approved by one of two accounts:

  • WebBank/Fingerhut Advantage Credit Account.
  • Fingerhut FreshStart Installment Loan issued by WebBank.

As it happens, by submitting your application, you are applying for both credit accounts. Applicants will be considered for the Fingerhut FreshStart Installment Loan issued by WebBank as a direct result of being denied for the WebBank/Fingerhut Advantage Credit Account. In other words, you won’t have a way of knowing which one you will be approved for prior to applying. Both credit accounts are issued by WebBank and are set up so that customers can purchase merchandise by paying for them on an installment plan with a 29.99% Annual Percentage Rate (APR). These are the only things that the different Fingerhut credit accounts have in common.

The WebBank/Fingerhut Advantage Credit Account

The WebBank/Fingerhut Advantage Credit Account works very much like an unsecured credit card, except that it’s an account that you can only use it to shop on Fingerhut or through its authorized partners. 

This credit account features:

  •  No annual fee.
  • A 29.99% interest rate.
  • A $38 fee on late or returned payments.
  • A possible down payment; it may or may not be required. You won’t know prior to applying. 

If you get denied for this line of credit, your application will automatically be reviewed for the Fingerhut FreshStart Credit Account issued by WebBank, which is both structured and conditioned differently.

Fingerhut FreshStart Installment Loan issued by WebBank

If you get approved for the Fingerhut FreshStart Installment Loan, you must follow these three steps to activate it:

  • Make a one-time purchase of no less than $50.
  • Put a minimum payment of $30 down on your purchase, and your order will be shipped to you upon receipt of your payment. You may not use a credit card to make down payments, but you can use a debit card, check, or a money order. 
  • Make monthly payments on your balance within a span of six to eight months.

You can become eligible to upgrade to the Fingerhut Advantage Credit Account so long as you are able to pay off your balance during that time frame or sooner without having made any late payments. Keep in mind that paying for the entire balance in full at the time you make your down payment will result in you not qualifying for the loan as well as being ineligible for upgrade. 

How a Fingerhut credit account helps raise your credit score

The fact that it can help you improve your credit is one of the biggest advantages of using a Fingerhut credit account. 

When you make your payments to Fingerhut in full and on-time, the company will report that activity to the three major credit bureaus. This means that your good credit utilization won’t go unnoticed nor unrewarded. If you use Fingerhut to improve your credit score, you will eventually be able to apply for a credit card through a traditional credit card company—one where you can make purchases anywhere, not just at Fingerhut. 

Additional benefits of a Fingerhut credit account

Besides using it as a tool to repair your bad credit, there are a few other benefits to using a WebBank Fingerhut Advantage Credit Account such as:

  • No annual fee.
  • Fingerhut has partnerships with a handful of other retailers, which means you can use your Fingerhut credit line to make purchases through a variety of companies. Fingerhut is partnered with companies that specialize in everything from floral arrangements to insurance plans.
  • There are no penalties on the WebBank Fingerhut Advantage Credit Account when you pay off your balance early.

How to build credit with Fingerhut

Fingerhut credit works the same way as the loans from credit card companies work: in the form of a revolving loan. 

A revolving loan is when you are designated a maximum credit limit by your lender, in which you are allowed to spend. Whatever you spend, you are expected to pay back in full and on-time through a series of monthly payments. This act of borrowing money and paying off bills using your Fingerhut account causes your balances to revolve and fluctuate, hence, its name. 

Your credit activity, good or bad, gets reported to the three major credit bureaus and in turn, will have an effect on your credit report. Revolving loans play a large role in your credit score, affecting approximately 30% of your score through your credit utilization ratio. If your credit utilization ratio, the amount of available revolving credit divided by your amount owed, is too high then your credit score will plummet. 

When using a Fingerhut account, the goal is to try to keep your amounts owed as low as you possibly can so that you can maintain a low utilization ratio, and as a result, have a higher credit score.

Alternatives to Fingerhut

If you’ve done all your research and decided that Fingerhut isn’t the right choice for you, there are other options that might serve you better, even if you have bad credit. There are a variety of secured credit cards that you can apply for such as:

  • The OpenSky Secured Visa Credit Card: You will need a $200 security deposit to qualify for this secured credit card, but you can most likely get approved without a credit check or even a bank account. It can also be used to improve your credit, as this card does report to the three major credit bureaus. While this card does come with an annual $35 fee, you can use it to shop anywhere that will accept a Visa. 
  • Discover it Secured:  For all those opposed to paying an annual fee of any sort, this card might just be the one for you. With a $0 annual fee and the ability to earn rewards through purchases, there’s not much to frown about with this secured credit card. One of the best perks, is that it allows you the chance to upgrade to an unsecured card after only eight months. 
  • Deserve Pro Mastercard: This card is a desirable option for those with a short credit history. There is no annual fee and no security deposit required and, if your credit history isn’t very long-winded, that’s okay. The issuers for this card may use their own process to decide whether or not you qualify for credit, by evaluating other factors such as income and employment. This card is especially nifty because you can get cash-back rewards such as 3% back on every dollar that you spend on travel and entertainment, 2% back on every dollar spent at restaurants, and 1% cash back on every dollar spent on anything else. 

Final Thoughts 

Fingerhut is an option worth looking into for those with bad credit or a short credit history. If you want to use a Fingerhunt credit account to improve your credit score, be sure to use it wisely and make all of your payments on time, just as you would with any other credit card.

Even though it might be easy to get approved, the prices and interest rates on items sold through Fingerhut are set higher than they would be at most other retailers, so it’s important to consider this before applying. 

There are a ton of options available, regardless of what your credit report looks like, if you are trying to improve your credit. If the prices of Fingerhut’s merchandise are enough to scare you away, you might want to consider applying for a secured credit card. 

How to Build Credit with Fingerhut is a post from Pocket Your Dollars.

Source: pocketyourdollars.com

Tips to Consolidate Credit Card Debt

Tips to Consolidate Credit Card Debt

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

If left unchecked, extensive amounts of credit card debt can cripple your finances. The good news is there are many ways to handle debt, though each requires a dedicated effort on your part. But if you can manage to consolidate credit card debt, you will reduce your burden relatively quickly. In the process, you’ll avoid the exorbitant interest rates that accompany most credit cards. Below we take a look at some of the most effective techniques you can use to make this goal a reality.

Find Out Your Credit Score

Before you can work on improving your credit and minimizing your debt, you have to know where you currently stand.

Many credit card issuers allow cardholders to see their FICO® credit score free of charge once a month, so check out if any of your cards include that free credit score. The three major credit bureaus – TransUnion, Experian and Equifax – also give out free annual credit reports. If that’s not enough, websites like Credit Karma™ and Credit Sesame provide a free look at your credit score and reports as well.

It is vital to review your credit report with a fine-tooth comb to ensure the accuracy of the information. If you find errors be sure to let the credit bureau in question know so the issue can be eradicated as soon as possible.

Zero Interest Balance Transfer Cards

Although it might seem counterintuitive to apply for another credit card to lessen your debt, a zero interest balance transfer card could really help. These cards typically include an introductory 0% balance transfer Annual Percentage Rate (APR) for six months or more. This ultimately allows you to move debt from one account to another without incurring more interest. However, once the introductory offer concludes, any leftover balances will revert to your base APR.

These offers aren’t totally free, though. Most cards also charge a balance transfer fee that’s usually between 3% and 5% of the transfer. Even with this initial payment, you will almost always still save money over leaving your debt where it stands currently.

If you want to consolidate credit card debt, here are three different balance transfer credit cards you could apply for, with varying introductory interest rates and transfer fees:

Balance Transfer Credit Cards Card Intro Balance Transfer APR Balance Transfer Fee Chase Slate 0% APR for first 15 months; then 16.49% to 25.24% Variable APR, depending on your creditworthiness No fee for first 60 days; then $5 or 5% of each transfer, whichever is greater Citi Double Cash Card 0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening; then 15.49% to 25.49% Variable APR, depending on your creditworthiness $5 or 3% of each transfer, whichever is greater BankAmericard® credit card 0% APR for first 15 billing cycles; then 14.49% to 24.49% Variable APR, depending on your creditworthiness No fee for first 60 days; then $10 or 3% of each transfer, whichever is greater Take Out a Personal Loan

Tips to Consolidate Credit Card Debt

The thought of taking out another loan probably doesn’t sound too appetizing to consolidate credit card debt. But a personal debt consolidation loan is one of the speediest ways to rid yourself of credit card debt. More specifically, you can use it to pay off most or all of your debt in one lump sum. That way, your payments are all merged into a single account with your lender.

The APR and length of the offered loan and the minimum credit score needed for approval are the main factors that should go into your final decision on a lender. By concentrating on these three components of the loan, you can map out what your monthly payments will be. As a result, you can more easily implement them into your financial life.

Applying for a personal consolidation loan can have a detrimental effect on your credit. Unfortunately, most institutions will run a hard credit check on you prior to approval. However, many online lenders don’t do this, which might ease your mind depending on the severity of your debt situation.

These loans are available through a wide variety of financial institutions, including banks, online lenders and credit unions. Here are a few examples of some of the most common debt consolidation lenders:

Common Debt Consolidation Lenders Banks Wells Fargo, U.S. Bank, Fifth Third Bank Online Lenders Lending Club, Prosper, Best Egg Credit Unions Navy Federal Credit Union, Unify Financial Credit Union, Affinity Federal Credit Union Auto or Home Equity Loan

If you own assets like a home or car, you can take out a lump-sum loan based on the equity you hold in them to consolidate credit card debt. This is a great way to reuse money you paid toward an existing loan to take care of your debt. When paying back your auto or home equity loan, you’ll usually pay in fixed amounts at a relatively low interest rate. Even if this rate isn’t great, it’s likely much better than any offer you’d receive from a card issuer.

Equity loans are technically a second mortgage or loan, meaning your house or car will become the loan’s collateral. That means you could lose your house or car if you cannot keep up with your equity loan payments.

Create a Budget

Tips to Consolidate Credit Card Debt

To build a budget, you first need to figure out your approximate monthly net income. Don’t forget to take into account taxes when you’re doing this.

You can then start subtracting your variable and fixed expenses that are expected for the upcoming month. This is where you will likely be able to identify where you’re overspending, whether it’s on food, entertainment or travel. Once you’ve completed this, you can begin cutting back where you need to. Then, use your surplus cash to pay off your debt one month at a time.

It shouldn’t matter if you’re dealing with substantial credit card debt or not. A monthly spending budget should always be a part of how you manage your finances. While this is likely the slowest way to eliminate debt, it’s also the most financially sound. At its core, it attempts to fix the problem without taking funding from an outside source. This should leave very little financial strife in the aftermath of paying off your debt.

Professional Debt Counseling

Perhaps since you’ve found yourself in serious debt, you feel like you want professional help getting out of it. Well the National Foundation for Credit Counseling® (NFCC®) is available for just that reason. The NFCC® has member offices all around the U.S. that are certified in helping you consolidate credit card debt.

These counselors won’t only address your current financial issues and debt. They’ll also work to create a plan that will help you avoid this situation again in the future.

Agencies that are accredited by the NFCC® will have it clearly displayed on their website or at their offices. If you’re not sure where to look, the foundation created an agency locator that’ll help you find a counselor nearby.

Borrow From Your Retirement

Taking money early from your employer-sponsored retirement account obviously isn’t ideal. That’s means borrowing from your retirement is a last-ditch alternative. But if your credit card debt has become such a handicap that it’s affecting all other facets of your life, it is a viable option to consolidate credit card debt.

Because you are technically loaning money to yourself, this will not show up on your credit report. Major tax and penalty charges await anyone who has trouble making payments on these loans though. To make matters worse, if you quit your job or are fired, you’re typically only given 60 days to finish paying it off to avoid incurring a penalty.

Tips To Consolidate Credit Card Debt

  • If you take the time to come up with a budget, don’t let it go to waste. While you might find it tough to stick to, especially if you’re trying to cut back, it is the best way to manage your money correctly. Even if a budget becomes habit, stay vigilant with where your money is being spent.
  • Although a financial advisor will cost money, he or she might be able to help you keep your finances in check while ultimately helping you plan for the future as well. However, if this isn’t an option for you financially, stay on track with your NFCC® debt counselor’s plan.
  • There are so many ways to gain access to your credit score that there’s virtually no excuse for not knowing it. It doesn’t matter if you do it through one of the top three credit bureaus, FICO® or one of your card issuers. Just remember to pay attention to those ever-important three digits as often as possible.

Editorial Note: This content is not provided by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

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