High-End Couple’s Resorts in the U.S.

Sometimes, you need a getaway that’s just for two. No kids. No chores. No distractions. Just time together in a beautiful place with luxury all around.

From coastal hideaways to secluded mountain lodges, the U.S. is home to some of the most unforgettable high-end couple’s resorts. These spots aren’t just about luxury, they’re about connection, calm, and experiences you’ll remember forever.

Here are some of the top romantic resorts that are truly worth the splurge.

Twin Farms – Barnard, Vermont

Twin Farms is one of the most exclusive resorts in the country. It’s set on 300 private acres in Vermont and offers a peaceful, all-inclusive escape with just 20 guest rooms.

Each room is unique—some have fireplaces, others have deep soaking tubs or art from famous painters. Meals are customized to your tastes, with wine pairings and fresh, local ingredients.

You can hike, bike, ski, or just sit by the fire. No crowds. No noise. Just quiet luxury, perfect for couples looking to unwind.

Amangiri – Canyon Point, Utah

If you’re craving desert views, Amangiri delivers. This luxury resort blends into the red rock landscape of southern Utah and offers total seclusion.

Rooms are sleek and modern with panoramic views of canyons and cliffs. Private pools and open-air lounges add to the experience.

You can take guided hikes, ride horses, or float in the heated pool built into the rock. The spa treatments and sunset views make it one of the most romantic stays in the Southwest.

Post Ranch Inn – Big Sur, California

Perched on the cliffs of Big Sur, Post Ranch Inn is a dream come true for couples. It’s adults-only, quiet, and designed to help you disconnect from the outside world.

There are no TVs or alarm clocks in the rooms. Just fireplaces, ocean views, and outdoor soaking tubs. Each space is built with natural materials to blend into the landscape.

The resort includes daily yoga, guided nature walks, and stargazing nights. The on-site restaurant, Sierra Mar, is one of the most celebrated in California.

Blackberry Farm – Walland, Tennessee

Blackberry Farm is a luxury retreat in the foothills of the Smoky Mountains. It combines high-end comfort with Southern hospitality.

Couples can stay in private cottages with mountain views, fireplaces, and cozy beds. The food is a big draw—seasonal, farm-to-table meals with a massive wine cellar.

There’s fly fishing, hiking, horseback riding, and spa services. You can be as active or as relaxed as you want. It’s quiet, refined, and full of charm.

The Little Nell – Aspen, Colorado

If you’re looking for a romantic winter escape, The Little Nell is one of the top ski-in/ski-out resorts in the country. Located at the base of Aspen Mountain, it offers luxury with a side of adventure.

Rooms have fireplaces, heated floors, and mountain views. You can sip wine in the hot tub or cuddle up after a day on the slopes.

The resort also shines in the summer with mountain biking, hiking, and fine dining under the stars. It’s perfect for couples who love the outdoors but still want high-end comfort.

The Setai – Miami Beach, Florida

For a sleek, modern beach getaway, The Setai in Miami Beach delivers. This five-star resort offers oceanfront suites with private balconies, deep soaking tubs, and high ceilings.

The vibe is quiet and calm—unlike the party-heavy parts of South Beach. Three pools, a world-class spa, and fine dining set the tone for a luxurious couple’s retreat.

Sunrise yoga, private beach access, and in-room massages make it easy to relax and reconnect.

Auberge du Soleil – Rutherford, California

Located in Napa Valley, Auberge du Soleil is made for wine-loving couples. It’s tucked into the hills with views of vineyards, olive groves, and golden sunsets. Rooms include fireplaces, private terraces, and outdoor soaking tubs. The adult-only setting is peaceful and quiet.

The Michelin-starred restaurant and award-winning spa add to the romance. You can also explore nearby wineries or book a private tasting through the resort.

According to the Michelin Guide, Auberge du Soleil has earned top marks as one of the first restaurants to deliver culinary excellence in the area.

Castle Hot Springs – Morristown, Arizona

For a unique desert retreat, Castle Hot Springs offers history, healing, and high-end style. The resort centers around natural hot springs used by guests for over 100 years.

You’ll stay in a private bungalow or sky-view cabin with an outdoor tub filled from the hot spring. The food is fresh and grown onsite in the resort’s own farm.

There are yoga classes, guided hikes, and stargazing nights. It’s a remote, peaceful experience perfect for couples looking to fully unplug.

A luxury couple’s getaway doesn’t have to mean flying overseas. Some of the most romantic, high-end resorts are right here in the U.S.—from mountain cabins to oceanfront hideaways.

Whether you want a rustic retreat, a desert escape, or a wine-filled weekend, there’s a perfect spot for every kind of couple.

Treat yourselves. Slow down. And find the place that brings you closer, in every way.

For more ideas beyond couples’ escapes, check out these 10 Ultra-Luxury Resorts That Are Actually Worth the Price. Each one delivers a next-level travel experience.

High-End Department Store Buys on a Dime

Scoring the best high-end department store buys doesn’t mean paying top dollar. If you love browsing luxe brands but don’t love the hit to your wallet, there’s good news.

With a few smart shopping moves, you can grab designer fashion, premium beauty picks, and top-shelf home goods without breaking your budget.

Here’s how to shop smart and save big at your favorite upscale retailers.

Know When to Shop

Timing is everything when it comes to department store deals. The biggest discounts usually happen during:

  • End-of-season clearances (January, July)
  • Holiday weekends (Memorial Day, Labor Day, Black Friday)
  • Friends and Family sales (offered a few times per year)
  • After-Christmas and inventory blowouts

Mark your calendar and shop the back end of each season. That’s when stores make room for new inventory and slash prices on last season’s styles.

Shop the Sale Sections First

It sounds obvious, but many shoppers skip the clearance racks in favor of new arrivals. Don’t. Head straight to the sale section—online or in-store—and start there.

In high-end department stores like Nordstrom, Bloomingdale’s, or Saks, clearance doesn’t mean junk. It often means past-season designer clothes, shoes, and handbags marked down 40 to 70 percent.

Combine markdowns with stackable coupons or promotions when possible. Sometimes you’ll find luxury brands at fast fashion prices.

Don’t Ignore Outlet Versions

Most luxury department stores have outlet versions or partner stores with deep discounts:

  • Nordstrom Rack (for Nordstrom)
  • Saks OFF 5TH (for Saks Fifth Avenue)
  • Last Call (for Neiman Marcus, though some locations have closed)

These stores carry clearance items from the main store, as well as separate lines made specifically for outlets. You’ll find brand names like Theory, Vince, and Michael Kors at a fraction of retail.

Check both online and in-person. Some outlet websites offer flash deals and surprise promotions that don’t last long.

Use Store Apps and Loyalty Programs

Most high-end stores offer loyalty programs that can lead to serious savings:

  • Nordy Club members earn points toward store rewards and get early access to sales
  • Bloomingdale’s Loyallist members get free shipping and earn points on every purchase
  • SaksFirst offers tiered rewards and private shopping events

Download the store’s app and opt in for notifications. You’ll get alerts for exclusive discounts, early access to sales, and personalized offers.

Also, sign up for email lists with a second “promo” email account to keep clutter out of your main inbox.

Stack Discounts Whenever Possible

Smart shoppers know how to stack deals. Look for:

  • Promo codes on the retailer’s homepage
  • Cashback offers from websites like Rakuten or TopCashback
  • Credit card rewards or bonus point events
  • Gift card promotions (buy a gift card and get a bonus card free)

These extra savings can often be combined with clearance items, making your total much lower than expected.

Know What’s Worth the Splurge

Even on a budget, not all items are worth buying just because they’re marked down.

Spend your money on items that hold their value, like:

  • Timeless outerwear (wool coats, trench coats, leather jackets)
  • Designer shoes or boots with long-lasting construction
  • High-end denim
  • Beauty or skincare bundles from premium brands

Avoid trendy items or anything you’re buying just because it’s cheap. The goal is to build a high-quality wardrobe—not a cluttered closet.

Shop Open Box and Returned Items

Some stores, especially online ones like Nordstrom, offer “open box” or returned items at a lower price. These are products in near-new condition, sometimes marked down just because the packaging was opened.

If you’re shopping for high-end beauty products, appliances, or home decor, check the clearance or final sale section. You might find luxury candles, designer pillows, or espresso machines for much less.

Just read the return policy carefully—some markdowns are final sale.

Use Credit Card Perks

Your credit card might help you score deals without even realizing it. Some premium cards offer:

  • Monthly credits at department stores
  • Bonus points for department store purchases
  • Early access to partner store sales
  • Extended return periods or purchase protection

Cards like American Express Platinum and Chase Sapphire Reserve often include these perks. Check your benefits guide and use them when you shop. If you’re curious which premium cards offer the best value, check out our guide to 10 Luxury Credit Cards Worth the Annual Fee.

You don’t need to pay top dollar to enjoy top-tier products. With smart timing, a little digging, and the right tools, you can shop at high-end department stores without breaking your budget.

Plan ahead, sign up for alerts, and shop strategically. Over time, those savings add up—giving you a luxury lifestyle at a fraction of the cost.

Five Questions to Ask Before Putting Anything on Financing

Thinking of financing that big purchase? It might seem like a quick win—no big payment upfront, and you get what you want right away.

But before you say yes, take a step back. Financing is a long-term commitment, and if you’re not careful, it can cost more than you expect.

These five questions to ask before financing will help you make smart financing decisions, so you don’t end up with regret down the road.

1. Do I Really Need This Right Now?

It’s easy to get caught up in the moment. A sleek new laptop or dream couch can feel urgent. But sometimes “I need this” really means “I want this.”

Ask yourself:

  • Is this item essential today?
  • Can I wait and save up for it instead?
  • Is there a cheaper option that works for now?

If your washer just broke, that’s a need. If you’re upgrading your TV during a sale, that’s a want. Knowing the difference helps you avoid taking on debt for the wrong reasons.

2. Can I Afford the Monthly Payments—Every Month?

The sticker price may seem big, but the monthly breakdown looks small. That’s how financing gets you. But those payments don’t disappear when life gets tough.

Before financing, do the math:

  • Add the monthly cost to your budget
  • Factor in interest if it applies
  • Ask what happens if you miss a payment

If your job is uncertain, your bills are already tight, or you have no emergency savings, financing might stretch you too thin. A good rule of thumb: If you can’t comfortably afford it with your current income, it’s not worth the risk.

Before you commit, take a step back and review your long-term goals. Here are Financial Planning Moves to Make Before You Turn 40 to help you build a stronger financial base.

3. What’s the Total Cost After Interest?

Zero-interest offers can be great—but only if you follow the rules exactly. Miss a payment or go past the promo period, and the interest kicks in. Fast.

Some plans charge deferred interest, which means they add months of interest charges all at once if you don’t pay it off in time.

Always ask:

  • Is there interest?
  • When does it start?
  • How much will I pay in total if I stick to the plan?

A $1,500 fridge with 20% interest over two years doesn’t cost $1,500 anymore. It costs over $1,800—and that’s before any late fees.

4. Are There Better Ways to Pay?

Financing isn’t your only option. Before agreeing, consider:

  • Can I pay with savings?
  • Can I use a credit card with a lower interest rate?
  • Does my credit card offer 0% APR for a few months?

Some stores push financing because it earns them money. But that doesn’t mean it’s your best deal. If you can delay the purchase and save up, you’ll avoid interest and stress.

Also, check if your bank offers a personal loan with better terms. Financing through a store may be convenient, but it’s not always the smartest financial move.

5. What Happens If I Need to Return or Cancel?

Plans change. What if the product doesn’t work out? What if you lose your job? Before you finance, find out:

  • Can I return the item after opening or using it?
  • Will I still owe money if I cancel?
  • Does the financing company charge fees for early payoff or cancellation?

Some financing companies are strict. You might still owe the full amount even if you return the item or never use it. Read the fine print before committing.

Bonus Tip: Check Your Credit Score

Financing plans often require a credit check. If your score is low, you might not qualify—or you’ll be offered a high interest rate. And applying can sometimes lower your score, especially if you apply multiple times in a short period.

If your credit isn’t in great shape, take time to improve it before financing anything big. Better credit means better terms and less money wasted on interest.

Financing isn’t always a trap. It can help you spread out the cost of a major need or take advantage of a deal. But it only works if you go in with a clear head and a smart plan.

Ask these five questions first. If you can answer them with confidence, financing might work for you. If not, wait. Save. And give yourself the freedom of buying something when you’re really ready for it.

Best Resorts in the U.S. for Family Vacations

Planning a family vacation can feel overwhelming. You want something fun for the kids, relaxing for the adults, and easy for everyone. That’s where all-in-one resorts come in.

The best family resorts offer more than just a place to sleep. They create memories. Pools, games, outdoor adventures, kid clubs, and family-style meals—everything you need, in one spot.

Here are some of the best family resorts in the U.S. to consider for your next unforgettable getaway.

Great Wolf Lodge – Multiple Locations

Great Wolf Lodge is a hit with families across the country. It’s a water park resort where the fun never stops—no matter the weather outside.

Each location has huge indoor water slides, lazy rivers, wave pools, and splash areas for little ones. Rooms are designed with kids in mind, with themes like “wolf den” or “kid cabin.” Some even include bunk beds and camp-style setups.

In addition to the water park, there’s mini golf, arcades, story time, and build-a-bear stations. It’s all indoors, which makes it a great pick any time of year.

Disney’s Aulani Resort – Oahu, Hawaii

Aulani blends Disney magic with Hawaiian culture. This resort sits right on the beach and offers stunning ocean views, world-class service, and activities for all ages.

Kids can join the Aunty’s Beach House kids’ club, go snorkeling in a private lagoon, or ride water slides in the massive pool area. Parents can relax at the spa or enjoy a sunset on the sand.

You don’t need park tickets—this is a Disney experience without the crowds. The storytelling, food, and service all feel personal and special.

Woodloch Resort – Hawley, Pennsylvania

Woodloch is a classic family resort in the Pocono Mountains. It’s been family-run for over 60 years and is packed with nonstop activities for all ages.

Daily schedules include scavenger hunts, games, family trivia, water skiing, go-karts, and even Broadway-style shows. In the winter, there’s snow tubing and indoor pools.

Meals are included and served family-style. The staff is friendly and remembers your name. It’s a place where traditions are born and families keep coming back.

Mohonk Mountain House – New Paltz, New York

If you want a peaceful mountain setting with family fun, Mohonk Mountain House delivers. This historic resort sits on a private lake and feels like a fairytale castle surrounded by nature.

Activities range from hiking, kayaking, and swimming in the lake to ice skating and snowshoeing in winter. There are crafts, nature walks, and camp-style programs for kids.

Meals and most activities are included. The views are incredible, and the resort has a mix of cozy, rustic charm and luxury touches.

Tanque Verde Ranch – Tucson, Arizona

Tanque Verde Ranch offers a unique mix of adventure and comfort. It’s a working dude ranch where families can ride horses, hike desert trails, and learn to lasso.

Kids and teens can join age-based camps with horseback riding lessons, games, and desert activities. Adults can go on trail rides, take yoga classes, or just relax by the pool.

Three meals a day are included, and the food is excellent. If you want something different from beaches and water slides, this desert escape is worth a look.

LEGOLAND Hotel – Carlsbad, California

If you have LEGO fans in the family, this is the dream. The LEGOLAND Hotel sits right next to the LEGOLAND theme park and is packed with fun surprises at every turn.

Rooms are fully themed—pirates, ninjas, castles—and come with LEGO kits to build during your stay. There’s nightly entertainment, treasure hunts, and a buffet that even picky eaters love.

Guests get early park access and kid-friendly perks that make the trip even smoother. It’s high energy, colorful, and built for fun.

Want to elevate your next family trip? Check out these Luxury Travel Perks You Can Access Without Being a Millionaire to make your vacation feel first-class.

Westgate Smoky Mountain Resort – Gatlinburg, Tennessee

Nestled near the Great Smoky Mountains National Park, this resort gives families easy access to nature and comfort. The highlight? A huge indoor water park with slides, lazy rivers, and a splash zone.

Cabin-style rooms offer full kitchens, making it easy to cook meals or save on dining. There’s also ziplining, hiking, and crafts for kids.

It’s a great base for exploring the Smokies or relaxing with family-friendly fun onsite.

Family vacations are about more than just travel—they’re about time together. The best resorts help you relax, explore, and enjoy each other’s company without stress.

Whether you want indoor water parks, mountain adventures, beach views, or desert trails, there’s a resort in the U.S. ready to welcome your crew.

Pick the one that fits your vibe, pack some comfy shoes, and get ready to make some memories.

What Extended Warranties Really Cover—and What They Don’t

You’ve seen it at the checkout counter. You’re about to buy a new fridge, phone, or laptop, and the salesperson asks if you’d like to add an extended warranty. It sounds like a good idea—extra protection just in case something goes wrong.

But before you say yes, it’s worth asking what extended warranties cover and what they don’t. Because not all plans are created equal, and that small add-on could be a waste if you’re not careful.

Let’s break it down.

What an Extended Warranty Is

An extended warranty is a service plan that covers repairs or replacements after the standard manufacturer’s warranty expires. Most products come with a basic warranty that lasts a year. The extended version usually adds one to three more years of protection.

You can buy extended warranties from:

  • The store where you bought the item
  • The manufacturer
  • Third-party companies

They often sound like insurance, but they work differently. Instead of protecting against accidents or theft, extended warranties mainly cover product defects or breakdowns.

What They Usually Cover

Extended warranties often include:

  • Mechanical or electrical failures after the standard warranty ends
  • Defective parts or faulty workmanship
  • Power supply or motherboard failures on electronics
  • Certain labor and repair costs

For example, if your dishwasher suddenly stops running after 18 months and the original warranty only lasted 12 months, the extended warranty might pay for repairs or replace it altogether.

Some higher-tier warranties offer perks like:

  • In-home service visits
  • No deductibles
  • Fast turnaround on claims

Always read the details. Not all warranties cover the same things, and the coverage level can vary by brand and plan.

What They Don’t Cover

This is where many people feel misled. Extended warranties often don’t cover the most common problems, including:

  • Accidental damage (unless you pay extra for a protection plan)
  • Water or liquid damage
  • Drops, cracks, or physical damage
  • Normal wear and tear
  • Cosmetic damage like scratches or dents
  • Lost or stolen items
  • Software issues or viruses
  • Batteries or accessories (in many cases)

So if you drop your phone in the sink or crack your TV screen while moving it, a basic extended warranty likely won’t help. You’d need an accident protection plan for that, and even those come with limitations.

Common Mistakes to Avoid : Assuming All Warranties Are the Same

Not all warranties offer the same coverage. One plan might only cover manufacturer defects, while another includes accidental damage. Make sure you understand what you’re buying.

Thinking Warranties Start Right Away

Most extended warranties start after the original warranty ends. If you get a two-year extended warranty on top of a one-year manufacturer warranty, you’re covered for three total years—not three extra years.

Not Reading the Fine Print

Always ask for the full terms. Some plans require you to register the product. Others make you go to specific repair shops or cover only certain parts.

Ignoring Deductibles or Service Fees

Some plans charge a fee each time you file a claim. If repairs cost less than the fee, the warranty doesn’t help.

When an Extended Warranty Might Be Worth It

Extended warranties can be helpful in some cases:

  • Large appliances: Fridges, dishwashers, and ovens can be costly to repair. A warranty may save money if something major fails.
  • Laptops or tablets: If you depend on them for work or school, downtime matters. A fast repair plan can be worth it.
  • Expensive TVs or electronics: Repairs on high-end items can cost more than the warranty itself.
  • Long-term ownership: If you plan to keep the item beyond the basic warranty, extra protection might be smart.

Some credit cards also offer extended protection if you use them for the purchase. This might give you a free extra year of coverage, without buying anything additional.

You may want to check these 10 Luxury Credit Cards Worth the Annual Fee if you’re looking for credit card options.

When to Skip It

You can often skip the warranty if:

  • The item is low-cost or easy to replace
  • You don’t plan to keep it long
  • You already get solid coverage through your credit card or homeowner’s insurance
  • The item has a good repair record or comes from a trusted brand
  • The cost of the warranty is close to the cost of a new product

A $40 warranty on a $100 microwave doesn’t make sense. But a $150 plan for a $3,000 refrigerator might.

Tips Before You Buy

  • Ask questions: What’s covered? When does it start? Are there any deductibles?
  • Compare providers: Store warranties, manufacturer plans, and third-party services vary in price and quality.
  • Check reviews: Some warranty companies have poor reputations for denying claims.
  • Know your rights: In many places, products are protected by consumer laws that require sellers to repair or replace defective goods—even without a warranty.

Extended warranties aren’t always a waste—but they’re not always a win either. It depends on the product, the price, and how the plan is written.

Before saying yes at the register, take a minute to do the math. Know what you’re really paying for—and what you’re not. That way, you’re making a smart choice based on facts, not fear.

Bathroom Renovation Cost Without Surprises

Bathroom makeovers can breathe new life into your home, but the bathroom renovation cost can catch you off guard. Between labor, materials, and unexpected issues behind the walls, it’s easy to spend far more than you planned.

Many homeowners start with a ballpark figure, only to watch it double. The key isn’t just picking tile and fixtures. It’s understanding where your money goes, what drives costs up, and how to stay in control from start to finish.

The Average Cost of a Bathroom Renovation

A full bathroom remodel in 2025 costs anywhere from $10,000 to $25,000 for a mid-range project. A basic remodel may come in closer to $5,000 to $8,000, while a high-end bathroom can top $30,000 or more.

Here’s what those dollars usually cover:

  • Labor (40%–65% of the total cost)
  • Fixtures (toilet, tub, sink, etc.)
  • Flooring and tile
  • Cabinets and countertops
  • Plumbing and electrical updates
  • Paint, trim, and finishes

Small changes like new paint, lighting, or faucets are cheaper. Full renovations—especially if you move plumbing—are where the costs climb.

Layout Changes = Big Price Tag

Keeping your current layout saves money. Moving the toilet or tub may seem small, but it can trigger major plumbing work. That means cutting through floors or walls, upgrading pipes, and paying more in labor.

If your layout works, keep it. Spend that extra money on nicer materials instead of hidden pipes.

Explore these bathroom floor plans from The Spruce for inspiration.

Where the Money Really Goes

Here’s a rough cost breakdown so you can see where your budget goes:

  • Labor: $4,000 to $10,000
  • Shower or tub: $1,000 to $5,000
  • Vanity and sink: $500 to $4,000
  • Toilet: $150 to $800
  • Tile and flooring: $800 to $5,000
  • Lighting: $100 to $1,000
  • Plumbing or wiring: $500 to $3,000
  • Paint, trim, mirrors: $200 to $1,000

Always pad your budget by 10%–20% for unexpected costs. Even with great planning, surprises happen.

What Causes Budget Surprises?

Water Damage

Once old materials come out, you might find rotted subfloors, mold, or leaky pipes. Fixing this is a must—and it’s not cheap. Repairs can add $500 to $2,000 or more.

Old Plumbing or Electrical

If your home is older, the plumber or electrician may need to bring things up to current code. That can include adding GFCI outlets, updating wiring, or replacing corroded pipes.

Custom Orders or Backorders

If you choose special-order tile, vanities, or fixtures, expect delays or added shipping fees. If something arrives broken or late, it could slow the whole project.

Scope Creep

This happens when your plan keeps growing mid-project. First, it’s just a new sink. Then it’s the faucet. Then a new mirror, then new lights. The more you add, the more it costs.

Stick to your plan to avoid this trap.

How to Stay on Budget

Set Priorities

Make a list of must-haves and nice-to-haves. Know what you care most about—whether it’s the tile, the tub, or the vanity—and focus your money there. Be ready to make trade-offs.

Get Detailed Estimates

Don’t accept vague bids. Ask for a line-by-line breakdown. Make sure it covers demo, labor, materials, fixtures, permits, and haul-away fees. A clear bid protects you from surprise charges later.

Choose Materials Early

Don’t wait until the job starts to pick tile or faucets. Late decisions cause delays and cost more. Order everything before demo begins so you know what you’re spending.

Build in a Cushion

Set aside at least 15% of your budget for surprises. If you don’t use it, great—but you’ll be glad it’s there if something goes wrong.

Work With a Licensed Pro

DIY can save money, but not always. If you make a mistake with plumbing or electrical, it can cost more to fix. Pros can spot problems early, get permits faster, and work more efficiently.

Just be sure to check references and licenses before hiring.

Check out our guide on How to Create a ‘Big Purchase’ Budget so you’ll know what you’re willing to splurge on and where you’re okay cutting costs.

Can You Renovate a Bathroom for Less?

Yes. If your space just needs a refresh—not a full gut—there are ways to save:

  • Keep the existing layout
  • Use a prefabricated shower or tub
  • Paint the vanity instead of replacing it
  • Install peel-and-stick floor tile or wall panels
  • Replace just the faucet, mirror, or light fixture

Even these small upgrades can make a big difference for under $2,000.

Bathroom renovations can cost a lot—but they don’t have to catch you off guard. Know where the money goes. Plan ahead. Expect the unexpected. And don’t rush big decisions.

If you budget smart, hire the right help, and stick to your plan, your new bathroom will feel like a luxury—without leaving you drained.

The Hidden Costs of Buying a Mattress

Think that new mattress will only cost a few hundred bucks? Think again. Between delivery fees, setup charges, accessories, and fine-print policies, the hidden costs of buying a mattress can add up fast, turning that “great deal” into a budget buster.

What appears to be a simple purchase often comes with surprises. Here’s what most shoppers don’t see until it’s too late, and how to avoid overpaying for your next bed.

Delivery and Setup Fees

Many retailers advertise free delivery—but there’s often a catch. Free shipping might only apply to basic drop-off at your front door. If you want help carrying the mattress inside, upstairs, or into your bedroom, you’ll likely pay extra.

Want them to set it up on your bed frame? That may cost more. If you need your old mattress hauled away, that could add another $50 to $150 depending on the store.

Always ask: What’s included in delivery? You don’t want surprises on delivery day.

Box Springs and Bed Frames

When you see a mattress price, it usually doesn’t include a box spring, foundation, or bed frame. Some newer mattresses don’t need a box spring, but many still do—especially if you want to keep your warranty valid.

A box spring can cost anywhere from $100 to $300. A basic metal frame might be cheap, but a solid or adjustable frame can run $400 or more. Buying a mattress means buying a whole setup. Plan your budget accordingly.

Here’s a quick guide to bed frames to help with your buying decision.

Mattress Protectors and Bedding

Most mattress companies strongly suggest you use a waterproof protector. Why? Because stains—even small ones—can void your warranty. That’s right: if your mattress gets stained, they may refuse to replace it, even if there’s a defect.

A good mattress protector can cost $50 to $150. Add in sheets, pillows, or a new comforter, and you could tack on another $100 to $300 easily.

If your new mattress is a different size or thickness, your old bedding might not fit. That means starting from scratch with new linens.

Trial Periods and Return Fees

Many companies offer generous trial periods—often 90 to 365 days. But read the fine print. Some charge return shipping. Others charge a restocking fee. And some require you to keep the mattress for a certain number of nights before they’ll take it back.

Returns can also be complicated if you bought from a third-party seller or physical store. You might have to repack it or arrange a time for pickup.

A return that looks “free” can still cost you time, effort, and money.

Extended Warranties

Most mattresses come with a warranty—but they don’t always cover what you think. Normal sagging, wear and tear, or minor defects may not qualify.

That’s why many retailers push extended protection plans. These might cover spills, deeper sagging, or broken zippers. But they usually cost $100 or more and may not be worth it unless you expect heavy use (like in a kid’s room or rental).

Think carefully before adding an extended plan. Often, it’s just another way to increase the total price.

Financing Fees

Many stores offer “0% APR financing” to spread out your payments. That can be helpful if you pay on time and in full before the promo period ends.

But miss a payment or take too long, and you could owe interest on the entire original purchase. Some financing deals have high rates hidden in the fine print.

Do the math before agreeing to financing. Make sure you can pay it off before interest kicks in. You can check out our guide on How to Create a ‘Big Purchase’ Budget to avoid overspending.

Store Markups and Sales Gimmicks

Mattress pricing is confusing on purpose. One store’s “$1,200 mattress” may be nearly identical to another store’s “$699 special.” Different names, same build. And prices can change daily.

Holiday weekend sales are common, but many stores inflate original prices just to offer “half off.” That deal may not be as good as it looks.

Online brands can sometimes offer better prices by skipping the middleman. But even then, check shipping, return policies, and warranty details.

A mattress is one of the most important purchases you’ll make for your home. You’ll spend a third of your life using it. But the real cost isn’t just what’s on the price tag.

Add in delivery, setup, accessories, protection, and potential fees—and that affordable mattress can double in cost before you’re done.

The key is to plan ahead. Ask the right questions. Read the fine print. And don’t let the hidden costs catch you sleeping.

Should You Buy an Electric Vehicle for Your Next Car?

More drivers are starting to ask the big question: Should I buy an electric vehicle?

Once seen as a niche choice, EVs are now showing up in driveways, on highways, and at public charging stations across the country. With rising gas prices and growing incentives, it’s no surprise interest is surging.

But the right answer depends on your budget, daily habits, and long-term goals. This guide breaks down the real pros and cons, so you can decide whether it’s time to buy an electric vehicle or stick with what you know.

How Much Will You Save on Fuel?

Gas prices can be unpredictable. One week it’s under $3 a gallon. The next, it spikes above $4. With an EV, you skip the gas station completely.

Electricity is usually cheaper than gas—especially if you charge at home. The average driver can save hundreds of dollars a year on fuel. Some estimates say even more, depending on your location and how much you drive.

If you drive a lot or have a long commute, this can make a big difference in your budget over time.

What About Maintenance Costs?

EVs don’t just save you money at the pump. They also have fewer moving parts than gas-powered cars. That means fewer things to break.

You won’t need oil changes, transmission flushes, or exhaust system repairs. Brakes often last longer too, thanks to regenerative braking.

That said, repairs for electric systems or batteries can be expensive. The good news? Most EVs come with long battery warranties—often eight years or more.

Are Charging Stations Easy to Find?

Charging at home is the easiest option. If you have a garage or driveway, you can plug in overnight and wake up with a full charge. But not everyone can do that—especially apartment dwellers or people in cities.

Public charging stations are growing fast. As of 2025, there are over 160,000 charging ports across the U.S., and more are being added every month. But charging still takes longer than pumping gas, and not every station is fast.

If you often take long road trips or don’t have home charging, this could be a problem.

How Far Can You Drive on One Charge?

Range anxiety used to be a big concern. But today’s EVs go farther than ever. Many models now offer over 250 miles per charge. Some, like the Tesla Model S, go over 400.

Still, range depends on:

  • Driving speed
  • Weather
  • Hills and terrain
  • Use of heat or air conditioning

For everyday driving, most people won’t even notice the difference. But if you drive long distances often, double-check the range before you buy.

Are There Any Tax Breaks or Incentives?

Yes. As of 2025, many EVs qualify for federal tax credits of up to $7,500 for new models and $4,000 for used ones. Some states also offer rebates or extra perks like carpool lane access or free parking.

Not all models qualify. The rules depend on where the car is built, what it costs, and your income. Check EV guidance from the U.S. Department of Energy before you shop.

These incentives can take a big chunk off the sticker price and help make EVs more affordable.

What Do EVs Cost Upfront?

The average new EV costs more than the average gas car—but prices are dropping. You can now find new EVs starting around $30,000 before any tax credits. Used EVs are also becoming more common and much cheaper than they were a few years ago.

Over time, your savings on fuel and maintenance may make up the difference. But if you’re shopping on a tight budget, make sure to compare total costs, not just the monthly payment.

Before you buy an electric vehicle, it’s worth weighing new vs used car costs to see how the total expense stacks up over time.

What About the Environment?

EVs don’t have tailpipes, which means no direct emissions. That’s better for air quality—especially in cities. They also help cut greenhouse gases, even if the electricity comes from fossil fuels.

The biggest environmental impact comes from making the batteries. But once an EV is on the road, it usually becomes “cleaner” than a gas car within a year or two of driving.

If reducing your carbon footprint is a top goal, an EV is a smart step.

So, should your next car be electric?

Yes, if:

  • You drive a lot and want to save on fuel
  • You can charge at home or easily access public chargers
  • You’re ready to make an eco-friendly switch
  • You qualify for tax credits that lower the cost

Maybe not yet, if:

  • You take long road trips and worry about charging
  • You live in an apartment with no access to charging
  • Your budget is tight and used gas cars are your only option

Electric vehicles are no longer just for early adopters. They’re a real option for everyday drivers. But like any big purchase, the right choice depends on you.

Do the math. Check your habits. And take one for a test drive. You might be surprised by how far EVs have come—and how well they fit your life.

How to Prioritize Big Purchases as a New Homeowner

Buying your first home is thrilling, but it comes with a long (and pricey) to-do list.

From furniture and appliances to unexpected repairs, it’s easy to overspend in those early months. That’s why prioritizing big purchases for new homeowners is so important.

Knowing what to buy now, what can wait, and how to budget smartly will help you settle in without draining your savings.

Focus on Safety and Function First

Before you buy anything flashy, make sure your home is safe and running smoothly.

  • Replace smoke and carbon monoxide detectors if needed
  • Check your locks and add deadbolts or security systems
  • Inspect the water heater, HVAC, and electrical panel
  • Buy a fire extinguisher and first aid kit

These purchases aren’t exciting, but they’re essential. You want your home to be a secure, livable space before you start adding furniture and décor.

Start with the Rooms You Use the Most

Every home has a few key areas you use daily. Focus your spending on making those comfortable and functional.

Start with:

  • The bedroom (a good mattress matters)
  • The kitchen (basic tools and appliances)
  • The bathroom (shower curtain, storage, lighting)
  • The living room (somewhere to sit and relax)

You don’t need to fully furnish every room right away. Focus on a few essential items that improve your daily life. This new house essentials checklist from the Updater can help you double-check the basics.

Hold Off on Full Furniture Sets

It’s easy to fall into the “furnish it all now” trap. Stores offer package deals, and it feels satisfying to check a room off your list.

But buying full furniture sets before living in the space can lead to regrets. What looks good online may not fit your space, style, or needs.

Instead:

  • Start with one or two quality pieces
  • Live in the space to see how you use it
  • Add items slowly, based on real needs

This approach keeps your budget flexible and helps you avoid clutter or returns.

Make a List—and Rank It

Write down all the big items you want or need. That might include:

  • Washer and dryer
  • Refrigerator or chest freezer
  • Lawn mower or snow blower
  • Bed frame or dining table
  • TV or entertainment center

Then rank each item by urgency and cost. Ask yourself:

  • Do I need this now, or can it wait?
  • Will this improve daily life or just look nice?
  • Is there a cheaper or temporary option for now?

Tackling your list in order helps you spend money where it counts most. You might want to check our guide on How to Create a ‘Big Purchase’ Budget, so you’re not tempted to overspend in one category.

Budget for the Unexpected

Owning a home means unexpected expenses—broken pipes, leaky roofs, or worn-out parts. If you spend every dollar furnishing your house, you’ll have nothing left for emergencies.

Set aside an emergency fund as soon as possible. Even $1,000–$2,000 can cover a surprise repair and save you from going into debt.

Treat home maintenance like a monthly bill. A small cushion now avoids big stress later.

Look for Sales and Secondhand Deals

You don’t need to buy everything brand-new. Many items—like tools, shelves, dressers, and tables—can be found gently used for a fraction of the price.

Check:

  • Local classifieds or Facebook Marketplace
  • Garage sales and estate sales
  • Discount home stores and outlets
  • Seasonal sales (like Black Friday or Labor Day weekends)

Buying used or on sale frees up your budget for splurges when they really count—like a high-quality couch or mattress.

Think Long-Term with Appliances

Big-ticket items like a fridge, washer, or stove are worth investing in. Don’t just go for the cheapest model—go for the one that will last.

Look for:

  • Energy-efficient models that save money over time
  • Warranty coverage or extended service plans
  • Reviews for reliability and customer support

These are daily-use items. Spending more upfront can pay off in lower utility bills and fewer repairs later on.

Avoid the Credit Trap

It’s easy to swipe your card or sign up for “buy now, pay later” plans when you’re trying to fill a home. But debt adds up fast, and interest can make cheap furniture way more expensive.

Try to pay cash or use a debit card for major purchases. If you do use credit, set a strict limit and pay it off quickly.

The less debt you take on early, the more freedom you’ll have for future upgrades or emergencies.

Personalize Slowly

It’s okay if your house doesn’t look like a home magazine right away. You’ll live there for years—there’s no rush to finish it all in one month.

Take your time:

  • Learn your style
  • Collect pieces you truly like
  • Let the space evolve with your life

A home built slowly with purpose often feels better than one filled fast with impulse buys.

As a new homeowner, you’ll feel pressure to buy everything at once. But smart spending means starting slow, planning ahead, and focusing on what matters most.

Safety first. Function next. Style will follow. When you prioritize your purchases, you build a home that works for you—not just one that looks good on the surface.

How to Spot Quality Furniture That Will Last

Furniture can be expensive. Whether you’re buying a couch, a dining table, or a dresser, you want it to hold up—not fall apart in a year.

But price doesn’t always mean quality. Some high-end pieces are poorly made, while affordable ones can surprise you. The trick is knowing what to look for before you buy.

Here’s how to spot furniture that’s built to last.

Check the Frame

Start with the bones of the piece. For upholstered furniture like sofas and chairs, a solid frame is key. You want hardwoods like oak, maple, or ash. These resist warping and cracking better than soft woods like pine.

Avoid frames made of particleboard, MDF, or plastic. These materials can feel sturdy at first but often break down with time and use.

A good test? Lift one end of the couch and twist slightly. If it creaks, flexes, or feels wobbly, the frame probably isn’t strong.

Look at the Joints

How the furniture is held together matters. High-quality pieces use sturdy joinery—methods like dovetail, mortise and tenon, or dowel joints. These create a tight, stable connection.

If you see glue and staples holding everything together, that’s a red flag. These shortcuts don’t hold up over time.

Also, check for corner blocks—extra pieces of wood inside the corners of chairs or couches. These provide extra support and are a sign of solid construction.

Feel the Weight

Heavy furniture is usually a good sign. Denser woods and sturdy frames weigh more than cheap substitutes. If a large dresser feels surprisingly light, it may be made of thin panels or particleboard.

For tables and desks, try gently shaking the piece. If the legs feel loose or the top wobbles, walk away. Quality furniture stays put.

Examine the Finish

Wood furniture should have a smooth, even finish with no rough patches or drips. Run your hand along the surface. You shouldn’t feel bumps, seams, or sticky spots.

Stains should bring out the grain—not cover it completely. Paint should be clean and chip-free. Avoid anything with a strong chemical smell. That can signal cheap paint or finish that might wear off or release harmful fumes.

If the piece is already scratched or chipped in the store, expect it to wear fast at home.

Check out this guide on types of wood finishes for an in-depth look at your options.

Test the Drawers and Doors

Open every drawer. They should glide smoothly—not stick, squeak, or wobble. Good drawers are set on metal glides or even wood runners that keep them straight and balanced.

Look for dovetail joints at the corners of the drawers. These interlocking cuts hold up better than simple glued joints.

Cabinet doors should swing easily and close without force. Hinges should feel firm and not bend or squeak. Magnetic or soft-close mechanisms are a nice bonus, but not a requirement for quality.

For Upholstery: Feel the Support

Sit down. Bounce once. Then settle.

A quality sofa or chair should feel firm and balanced. The cushions should spring back instead of sinking or feeling lumpy. If you sink too far down or feel the frame underneath, the padding or springs may be low quality.

Ask what’s inside the cushions. High-density foam lasts longer and holds its shape better. Lower-quality foam will flatten fast.

Look underneath the cushions too. Webbing, sinuous springs, or eight-way hand-tied springs are all common. The last one is a premium choice known for comfort and durability.

Inspect the Fabric

Durable fabric is key, especially in high-traffic areas. Look for tightly woven materials like microfiber, canvas, leather, or high-performance blends. These resist pilling, tearing, and stains.

Avoid thin fabrics or loose weaves unless it’s a decorative piece you don’t use much.

Patterns should be aligned at the seams, and stitching should be tight and straight. Loose threads or uneven seams are signs of rushed or careless work.

Ask About the Warranty

A good furniture maker stands behind their work. Ask about the warranty. Most quality pieces offer at least a one-year warranty, and many go beyond that.

Pay attention to what’s actually covered. Some cover only the frame, while others include fabric, springs, or drawers. If the store or brand offers no warranty at all, that’s a warning sign.

Research the Brand

Do a quick check on the brand. Read reviews. Look for complaints about sagging cushions, broken drawers, or peeling finishes. One or two bad reviews isn’t a big deal—but a pattern of poor quality is.

Smaller or local makers may not have many reviews, but you can still ask the store how long they’ve carried the line and what customer feedback has been like.

Good furniture doesn’t have to cost a fortune, but it should fit your budget and lifestyle. If you’re furnishing a new space, it helps to prioritize your furniture spending based on what matters most: durability, comfort, and long-term value.

Check the frame, test the joints, sit on it, pull the drawers, and run your hands over the surface. If something feels off in the store, it will feel worse at home.

The best furniture is the kind you don’t have to think about again for years. Build your space one solid piece at a time—and your wallet will thank you later.