English (US)

While birthdays are the world’s most widespread gift-giving event, there are also numerous Holiday gift-giving traditions around the world, and they are as diverse as Remitly’s global customers. People in Asia, Europe, South America, and beyond celebrate these holidays with their loved ones.

We’ve put together a list of some of the most important gifting holidays throughout the year. Which one is your favorite?

Table of Contents

Saint Basil’s Day – January 1st

St. Basil was from what is now Turkey, and was famous for caring for the poor. In modern times, Orthodox Greeks celebrate St. Basil’s Day by giving gifts to children. Caroling and traditional sweets also mark the holiday. St. Basil is a bit like the “Greek Santa Claus.”

Epiphany – January 6th

Epiphany is January 6th, which is also called the 12th day of Christmas. In places like Spain, Italy, Mexico, and Nicaragua, the feast of the Epiphany is the more traditional day for holiday gift-giving.

It commemorates the day the Three Wise Men brought gifts for baby Jesus In the biblical Christmas story. It is often called Three Kings Day.

Valentine’s Day – February 14th

Valentine’s Day is a major gift-giving holiday in many countries around the world. In particular, romantic partners celebrate by bestowing loving gifts upon each other.

In the American tradition, Valentine’s Day gifts include things like chocolates, flowers, jewelry or stuffed animals. Couples often also celebrate by going on a date.

In other countries, the sentiment may be similar, but the practice may differ. For example, in South Korea, women give men gifts on February 14th, while men give gifts to women on March 14th.

Easter

In many Christain-majority countries, Easter is celebrated, even by the non-religious. It is a time to celebrate with family and friends. Easter is celebrated in a great diversity of countries like France, Germany, Italy, and most of the western world. Traditional gifts on Easter include Easter baskets with candies, eggs (of the chocolate or hard-boiled variety), and other Easter bunny or similarly themed items.

Mother’s Day and Father’s Day

Mother’s Day and Father’s Day are celebrated in many countries around the world. These holidays show appreciation to the mothers and mother figures–and fathers and father figures, respectively–in our lives. Mother’s Day and Father’s Day gifts are usually small and symbolize appreciation.

Eid

Eid comprises two holidays in Muslim communities: Eid Ul Fitr and Eid Ul Adha. Eid Ul Fitr is the day celebrating the end of the month of fasting (the month of Ramadan). Eid Al Adha is celebrated after the annual pilgrimage to Mecca.

Exchanging food or gifts and gathering with friends and family are integral parts of the tradition. Learn more about celebrating from afar.

Diwali

Diwali, also known as the Festival of Lights, celebrates the triumph of light over dark or good over evil. This is a five-day festival with the exact days determined by the Hindu lunisolar month Kartika.

It is celebrated primarily in India, Myanmar, Nepal, and Sri Lanka by those practicing Hinduism, Jainsim, and Sikhism. People light up lamps, decorate colorful lights, ignite fireworks, and exchange sweets and gifts throughout the holiday.

Feast Day of Saint Nicholas – December 6th

Feast Day of Saint Nicholas (also known as St. Nicholas Day or Noel) kicks off the holiday season in many parts of the world. St. Nicholas was a Christian noted for generosity. He sold off his possessions to give to those who were ill, in need, or suffering.

In honor of Saint Nicholas, people often celebrate this holiday by giving to others. It is observed primarily in areas near its Dutch roots such as the Netherlands, Belgium, and Luxembourg. Dozens of other countries that have a custom in honor of the saint also celebrate this holiday.

With so many countries observing Christmas traditions, the details vary, but people quite often give small gifts or food items to friends or family members. A fun tradition is where “Befana” gives gifts to children (per Italian lore) on the eve of this holiday.

Christmas Eve – December 24th (Ping An Ye in China)

While Christmas Eve is known around the world as the day before Christmas, its significance varies depending on where you are.

One tradition in Asia, specifically in China or Mandarin-speaking countries, is giving apples on this day. Because the pronunciation for peace and the word “apple” in Chinese is similar, apples became associated with this holiday and are said to bring peace for the new year.

Christmas – December 25th

While Christmas is surely the most well-known and most widely celebrated December holiday, different countries celebrate it differently.

For example, in Brazil, people often give gifts with fake names to conceal the giver until Christmas Day. In the United States, there is a tradition of hanging stockings on the chimney which get filled with small trinkets and gifts, leaving food out for Santa Claus, and placing gifts for others under the Christmas tree.

Giving Christmas gifts is one of the most common gift-giving celebrations in the world. Some areas focus more on the full month of December and use an Advent calendar.

Check out how Mexico, Central American countries, and the Philippines celebrate this catholic nativity day.

Hanukkah

Also called the Festival of Lights, Hanukkah is an eight-day Jewish festival celebrated by lighting an additional candle on the menorah each night. The timing of this festival depends on the Hebrew calendar. It begins on the 25th day of Kislev in the Hebrew calendar, which is typically sometime between late November and early December. The idea to exchange gifts during Hanukkah is a newer tradition.

Hogmanay

While most of the world celebrates New Year’s Eve with parties and fireworks, the Scotland tradition is to make in-home visits bearing gifts to bring good luck. It is said that the first to enter the home should arrive bearing things like whiskey, black buns, and shortbread.

FAQs

The holiday season brings a special kind of warmth, filled with traditions and the joy of connection. When you live far from family, finding the right way to show you care can feel especially important. This is more than just about presents; it’s about sharing love across distances and staying connected to the people who mean the most.

Remitly’s 2025 holiday gift guide is for those who live abroad and want to send meaningful support back home. We’ll explore thoughtful and practical gift ideas that honor the true spirit of the season—celebrating connection, love, and shared traditions, no matter how many miles separate you.

The True Meaning of Holiday Giving

Across many cultures, the holidays are a time for generosity and togetherness. Gift giving is a way to express love, respect, and gratitude. It’s not always about the size or price of the gift, but the intention behind it. A thoughtful gesture can bridge the distance, making loved ones feel seen and cherished.

For many families, the most meaningful gifts are those that provide comfort, support, and opportunity. This could mean helping with daily needs, contributing to a shared goal, or simply making life a little easier. These acts of care strengthen family bonds and create lasting memories, reinforcing that you are always there for them, even from afar.

Practical Gift Ideas for Family Abroad

Meaningful gifts don’t have to come in a box. Often, the most impactful presents are those that offer practical support and peace of mind. Here are some heartfelt ideas for giving to your family back home this holiday season.

Send Money for Essentials

One of the most direct and appreciated gifts is sending money for daily necessities. This allows your family to purchase what they need most, whether it’s groceries for a festive meal, warm clothing for the winter, or medicine. A secure money transfer gives them the flexibility to address their immediate needs, which is a powerful way to show your love and support.

Cover a Household Bill

Helping with a recurring expense, like a utility bill or rent, can lift a significant weight off your family’s shoulders. Paying for a month of electricity or covering the internet bill ensures they stay connected and comfortable. This practical gesture provides stability and shows you are thinking about their well-being every day.

Contribute to a Celebration

The holidays are often marked by special gatherings and meals. By sending money specifically for a holiday celebration, you can help your family enjoy these traditions without financial stress. Your contribution can help buy ingredients for a cherished family recipe or allow them to host a memorable get-together with relatives and neighbors. You become part of the celebration, even from a distance.

Support Their Education or Goals

Investing in a loved one’s future is a gift that keeps on giving. You could contribute to a child’s school fees, a sibling’s vocational training, or a parent’s small business idea. This type of support demonstrates your belief in their dreams and empowers them to build a better future.

Thoughtful Giving on a Budget

Showing you care doesn’t require a large budget. Small, consistent gestures can have a huge impact and let your family know they are always on your mind.

Send a Personal Message with Your Gift

When you send money, platforms like Remitly allow you to include a personal note with your transfer. A simple message like, “Happy Holidays! Thinking of you all and sending my love,” adds a warm, personal touch that transforms a practical gift into a heartfelt expression of affection. You can also send a separate video message to wish them well and share in the holiday spirit.

Pool Resources with Siblings

Joining forces with siblings or other relatives living abroad can make a big difference. By pooling your money, you can collectively provide a more substantial gift, such as helping with a home repair or purchasing a larger household item. This collaborative effort not only provides significant support but also strengthens family unity.

Plan Your Giving in Advance

Planning your holiday sending ahead of time can help you manage your budget and avoid last-minute stress. By setting aside a small amount each month, you can ensure you have the funds ready when the holidays arrive. This foresight makes the act of giving more joyful and less rushed.

Send Holiday Support with Confidence

Sending money home for the holidays should be a simple and secure process. You need a service you can trust to deliver your gift quickly and reliably. Remitly offers a dependable way to send money internationally, so your support reaches your loved ones when they need it.

With Remitly, you can send money from your phone and track the transfer every step of the way. We offer transparent fees and competitive exchange rates, so you know exactly how much your family will receive. Our focus on security means you can have peace of mind knowing your holiday gift is in safe hands.

Make Your Holiday Giving Meaningful

This holiday season, you can make a real difference for your family back home. Whether you contribute to a festive meal, help with a bill, or support a long-term goal, your thoughtful gesture will be deeply appreciated.

Start planning your holiday sending today. With a little thought and a reliable service like Remitly, you can send a gift that truly matters.

Frequently Asked Questions (FAQs)

How can I send money abroad for holiday gifts?

You can send money abroad easily using a trusted and reliable service like Remitly. Simply create an account, select your recipient, and choose your transfer amount. Remitly allows you to track your transfer in real-time, ensuring your gift arrives safely and on time.

Are there any fees for sending money internationally?

Remitly offers low fees and transparent pricing, so you know exactly what you’re paying and what your recipient will receive. Fees may vary depending on the transfer amount, destination, and speed of delivery, but everything is clearly outlined before you complete your transaction.

How long does it take for a money transfer to be delivered?

Delivery times depend on your chosen transfer speed. With Remitly, you can choose between Express delivery, which is almost instant, or Economy delivery, which takes a little longer but often comes with lower fees.

Can I send money in my local currency?

Yes, Remitly allows you to send money from your local currency to the recipient’s preferred currency. Currency exchange rates are competitive and clearly displayed, so you can make an informed decision.

Is it safe to send money using Remitly?

Absolutely. Remitly uses industry-leading security measures to protect your transactions and personal information. You can also track your transfer at every stage, giving you peace of mind.

The holiday season always brings warmth and cheer, but it also comes with a familiar challenge: finding the perfect gift. Many of us know the feeling of standing in crowded stores or scrolling endlessly online, trying to choose something special for someone who already seems to have everything. That challenge feels even greater when your loved ones live far away and shipping delays are a concern.

You may worry that a money gift feels impersonal, but the truth is that when given thoughtfully, money can be one of the most meaningful and practical presents of all. In this Remitly guide, we’ll explore why financial gifts are becoming increasingly popular, creative ways to present them, safe methods for sending money, and tips for making these gifts feel personal. 

Why money makes a great holiday gift

Money has a reputation for being too practical, but that’s exactly what makes it so useful during the holidays. In recent years, it’s become one of the most appreciated holiday gifts. Here are a few reasons why it’s often a smart option.

Freedom of choice

Unlike clothing, tech gadgets, or home décor, money offers unmatched flexibility—it lets your loved one choose exactly what they need, when they need it. Whether it helps cover a bill, stock the fridge, or fund a well-deserved treat, your gift meets them where they are.

Financial empowerment

The holiday season can be expensive. For many families, an envelope of cash or a digital transfer provides welcome relief. It might cover school expenses, help fund a trip, or even support a savings goal.

Convenience for the gift-giver

Money eliminates the stress of guessing shoe sizes or favorite colors. It’s easy to send, especially when loved ones live in different cities or countries.

Reduced waste

People waste billions of dollars each year on unused or discarded gift cards. Nearly half of Americans have unused gift cards worth an average of $244 per person. But cash avoids this problem entirely—it’s the gift that always gets used.

Creative ways to give money as a gift during the holidays

Giving money doesn’t have to be boring or feel impersonal. With a little creativity, you can turn financial gifts into heartfelt gestures.

1. Traditional cash in creative packaging

Handing over an envelope is simple, but presentation can transform the experience. Arranging small amounts in multiple bills or creative displays can make them feel more substantial.

One fun idea is a money tree, where bills are folded into flower shapes and arranged on branches to create a festive centerpiece. You can also hide money inside a puzzle box or fold bills into origami shapes like stars, hearts, or birds. These creative touches can turn modest cash amounts into fun surprises that feel more personal.

2. Digital gift cards with a personal touch

Digital gift cards are a modern twist on money gifts, and they’re especially convenient for long-distance giving.

To make these more meaningful, choose retailers that reflect the recipient’s interests, like a bookstore for an avid reader or a music app for a budding musician. You can also combine a few smaller cards for variety—such as one for groceries, another for coffee, and a third for entertainment—to show thought and care.

You can also add a personal note explaining why you chose that specific store. A simple note like, “I know how much you’ve been enjoying cooking lately, so I thought this might help stock your kitchen with new ingredients,” becomes a meaningful gesture. Even pairing the gift with a short message can show that the choice was intentional, not last-minute.

3. Experience-based money gifts

Money can also fund memories, not just material goods. Consider tailoring your gift toward experiences, including culturally meaningful or international options:

• Pair cash or a restaurant gift card with a reservation for a holiday dinner, concert, or cultural festival.
• Offer to watch the kids so the parents can enjoy a date night or take that class they’ve been meaning to try.
• Gift money for online workshops or experiences, such as cooking classes from their home country, virtual language lessons, or art courses.
• Support hobbies by earmarking funds for art supplies, music lessons, sports equipment, or travel experiences.

This approach shifts the focus from the amount of money received to the experiences and memories it can create—making your gift feel thoughtful and personal.

4. Investment gifts for the future

Some of the most meaningful gifts are those that grow over time. Contributing to a child’s savings or education fund, investing in a small stock, or helping someone start an emergency fund are thoughtful ways to give money that provide lasting value.

These gifts may not bring instant excitement, but they show your support for someone’s future and can make a meaningful long-term impact.

5. International money transfers for distant family

For families separated by borders, sending money internationally helps maintain holiday traditions, provides essential support, and lets relatives celebrate with dignity.

If your family celebrates with festive meals, decorations, or community gatherings, financial support allows loved ones abroad to participate fully. Sending money is also a way to say, “I’m thinking of you, even when miles apart.”

How to send money safely during the holidays

The holiday season is a peak time for scams and fraud, making it all the more important to use secure money-sending methods. With a few simple precautions, you can help ensure your gift reaches the right person—safely and without hassle.

Domestic money transfers

For domestic transfers, banks remain one of the most secure options, though processing times may take a few days. Digital payment apps, like PayPal, Venmo, or Zelle, are quick and convenient, but they work best when you already know and trust the recipient.

Tips to avoid money transfer scams during the holiday season:

• Double-check recipient information: Always confirm usernames, phone numbers, or email addresses before sending money.
• Watch for suspicious messages: Phishing scams sometimes mimic friends or family, asking you to send money urgently. Take a moment to verify the request in person or via a trusted channel.
• Avoid unknown platforms: Unfamiliar or unverified platforms can put your funds at risk, so it’s best to stick with trusted services. 

Following these precautions can help your domestic transfers feel safe and stress-free.

International money transfers

Sending money internationally comes with extra considerations. Using licensed, regulated services helps ensure your money is protected—and that you get full transparency on fees and exchange rates. Keep in mind that the option with the lowest fees isn’t always the best deal once conversion rates are factored in.

Tips for smooth international transfers:

• Plan around holidays: Banks and financial institutions in your recipient’s country may be closed during local and national holidays, which can delay delivery. Check the calendar before sending.
• Monitor exchange rates: Currency fluctuations can affect the final amount your recipient receives. Consider timing transfers to maximize values.
• Check delivery speed and tracking: Some services send money instantly, while others take several business days. Reliable providers outline transfer times clearly and offer secure tracking options. 
• Look for safety features: Encryption, two-factor authentication, and fraud protection are essential.

Using a trusted provider can make international transfers smoother and more secure. Services like Remitly are widely used by immigrant families worldwide to send money quickly, safely, and reliably, helping loved ones receive their holiday gifts on time.

Making money gifts feel personal and thoughtful

Gifting money doesn’t have to feel impersonal. A handwritten card can add warmth and connection. Something simple, like, “I wanted to help you plan your next adventure,” transforms your gift from a transaction into a thoughtful gesture.

You could also create a themed package around the funds. For example, if the money is intended for an upcoming trip, you might pair it with a passport holder, luggage tags, or travel-sized cosmetics. A small touch like this shows thoughtfulness and intentionality, making your gift feel personal, meaningful, and memorable—even when you’re far apart.

Pairing cash with a small gift, such as a holiday ornament, photo frame, or favorite book, can help balance the practical with the sentimental. For recipients from different countries or cultural backgrounds, adding items that reflect their cultural traditions makes your gift even more personal.

These thoughtful touches show intention and transform a simple transfer into a meaningful, personal gesture.

Common mistakes to avoid when giving money

There are a few common pitfalls to keep in mind to ensure your money gift is thoughtful and secure.

Using unregulated services

It may be tempting to choose the cheapest option, but relying on unfamiliar or unregulated transfer services can put your funds at risk. It’s safer to choose licensed providers with transparent fees and strong security protections.

Overlooking fees and exchange rates

When sending money abroad, fees and exchange rates can significantly reduce the amount your recipient actually receives. Compare providers and review the details before confirming your transfer.

Waiting until the last minute

Last-minute transfers can lead to delays or limited delivery options, especially around the busy holiday season. Planning ahead ensures your gift arrives on time.

Ignoring tax considerations

In the US, most holiday gift giving won’t trigger taxes. For 2025, you can give up to $19,000 per recipient without filing a gift tax return. Only large gifts above this threshold require reporting, and even then, they count against a lifetime exemption of nearly $14 million. For most holiday giving, taxes won’t be an issue, but if you’re making a substantial transfer, check with a tax professional.

Giving without context

Giving money without any personal explanation can feel cold. Including a short note goes a long way in making your gift feel warm and thoughtful.

Give the gift of financial freedom this holiday season

Holiday giving isn’t about how much you spend, but about the thought and care behind your gesture. When presented with intention, money gifts provide both practical help and heartfelt connection. They can ease financial pressures, create memorable experiences, or invest in someone’s future.

As you prepare for this holiday season, think about your loved one’s needs and circumstances. Plan transfers early, choose safe and reliable methods, and add a personal touch that shows your thoughtfulness. Remember, your gift has the power to strengthen bonds and bring real value to the people you care about most.

FAQs

Is it appropriate to give money as a holiday gift?

Yes, surveys show that many people prefer money to physical gifts. It’s practical, versatile, and especially thoughtful when paired with a personal note or creative presentation.

What’s the safest way to send money internationally during the holidays?

You can use licensed and regulated services that clearly show fees and exchange rates. Look for features like encryption, fraud protection, and reliable customer support.

How much money is appropriate to give as a holiday gift?

There’s no strict rule. It depends on your budget and your relationship with the recipient. Even a small amount, when given thoughtfully, can feel meaningful.

What are the tax implications of giving money as gifts?

In most cases, holiday money gifts won’t trigger taxes. In the US, gifts under $19,000 per person are excluded. If you’re planning a significant transfer, it’s wise to review local laws or check with a tax professional.

How can I make a cash gift feel more personal?

Include a heartfelt card, pair it with a small item, or use creative wrapping to show thoughtfulness.

What should I avoid when sending money abroad?

Avoid unverified services, waiting until the last minute, and overlooking fees or exchange rates that reduce your gift’s value.

One of the most important documents when you’re abroad is your passport. It identifies you, allows you to carry out procedures, and ensures you maintain legal status in the country where you’re staying. Learn how to renew your Ecuadorian passport in Spain using this guide from Remitly.

Where can you renew your Ecuadorian passport in Spain?

The Ecuadorian consulate in Spain assists with the passport renewal process. Ecuador has five active consulates in the main cities of the country as follows:

• Madrid
• Barcelona
• Murcia
• Valencia
• Malaga

You can complete the process in person and only by appointment. Keep in mind that there’s one more consulate in Palma de Mallorca and nine honorary consulates in the rest of the country. However, these don’t manage their appointments through the central system and some aren’t authorized to renew passports.

What’s the renewal process at the Ecuadorian consulate?

Although renewing a passport abroad can generate a lot of stress and uncertainty, it’s a fairly simple process. You just have to be aware of your passport’s expiration date. The Organic Law of Human Mobility regulations state you can renew it if you’re within the last year of its validity, if you have a deteriorating passport, or if you no longer have empty pages. In any of these three cases:

• Request an appointment through the appointment management system.
• Organize all the documents according to your case (see below) and present them at the consulate on the assigned day.
• Stay tuned for a notification from the consulate to pick up your passport.

The delivery time of your new passport varies according to the demand when you request it, but the minimum waiting period is 15 days.

Documents required to renew your Ecuadorian passport abroad

If you’re renewing your passport because it’s expired, damaged, or has expired pages, as an Ecuadorian citizen of legal age, you must comply with the following requirements:

1. Present your previous passport or your Ecuadorian identity card.
2. Make an appointment through the appointment management system.
3. Bring your credit or debit card with you to pay for the procedure.

In case of loss or theft, include the Spanish police report with the stamp of the competent authority. Clearly specify that it’s a “loss of Ecuadorian passport.”

In the absence of a passport, you need an ID to complete the procedure.

Minors must come with their parents on the day of the appointment and present the following documents:

1. Valid passport or ID of the minor and both parents.
2. Power of attorney in the absence of a parent.
3. Judicial resolution in case the parental authority is exclusive to one of the parents, or if one is missing.

For a child’s first ordinary passport, you need the birth registration made at the Ecuadorian consulate.

What’s the cost of the Ecuadorian passport in Spain?

Renewing your passport in Spain has a different cost depending on your condition, as the consulate makes considerations for senior citizens and people with disabilities. Please note that no consulate accepts cash payments, so arrive with a debit or credit card. Here are the costs:

• General public (including minors): 90,36 €.
• Senior citizens: 45,18 €.
• Disabled person: free of charge

The last category includes people with at least 30% disability and with CONADIS or Ecuadorian Ministry of Health accreditation.

How can you make an appointment to renew your Ecuadorian passport?

To maintain an organized and quality service, there’s an appointment system that allows you to schedule a date. Reserve an appointment at an Ecuadorian consulate online. Here, you can choose the nearest consulate and the type of procedure (in this case, a foreign passport).

Fill out the form with your personal information to request an appointment. The system validates your email and assigns you a date and time. Remember to be punctual and to arrive with the requested documents.

Frequently Asked Questions

What can you do if you lose your passport and don’t have an Ecuadorian ID?

You must request your appointment and attend with the other documents. The consulate will validate your identity by requesting a copy of your index card from the Civil Registry before issuing a new passport. The process can take between 24 and 48 hours.

Can you complete the entire passport renewal process online?

While you can make an appointment online, you’re required to complete the passport renewal process in person.

How can you know when you can pick up your passport?

The consulate will contact you at the phone number you entered in the appointment management system to let you know it’s ready and to inform you of the pickup time.

What are the opening hours of the Ecuador consulates in Spain?

In general, the consulates of Ecuador in Spain are open to the public from Monday to Friday from 8:00 a.m. to 2:00 p.m.

Can you renew your passport at an Ecuadorian honorary consulate?

Some honorary consulates offer passport renewal services. However, it’s necessary to consult directly with the corresponding office. Find the contact information by visiting the website of the Ministry of Foreign Affairs. Additionally, it’s important to check the specific requirements for getting a salvadoran passport in the usa, as they may vary depending on the consulate. Be prepared to provide necessary documentation such as identification and proof of citizenship. Contacting the consulate ahead of time can help streamline the renewal process.

As inflation and housing costs continue to strain budgets across the US, more Americans are rethinking where and how they live. Relocating to a state with a lower cost of living could be a game-changer.

This Remitly guide explores the top US states with the lowest cost of living in 2025, based on updated cost-of-living indexes and trustworthy economic data. We’ll break down what makes these states affordable and how you can determine if relocating might be right for you.

What makes a state affordable?

Understanding costs of living is essential when deciding where to live, especially if you’re looking to stretch your income, save for the future, or improve your quality of life. But what exactly does cost of living mean, how is it calculated, and which factors influence it? Let’s break it down.

What is the cost of living?

Cost of living refers to the amount of money needed to cover basic expenses in a specific location, like housing, food, healthcare, transportation, and taxes. A lower cost of living means your money stretches further, allowing you to afford a comfortable lifestyle without breaking the bank.

How cost of living is calculated

Cost-of-living calculations typically rely on an index system, the most trusted being the Cost of Living Index (COLI) by the Council for Community and Economic Research (C2ER). COLI provides the cost of living by state, setting the US national average at 100:

• A score below 100 means a place is less expensive than the national average.
• A score above 100 means it’s more expensive than average.

For example, Hawaii tops the list with an overall cost of living index of 186.9 (the highest in the US), which means it is 86.9% more expensive than the national average. Compare that to West Virginia, which has a cost of living index of 84.1, meaning that it’s 15.9% more affordable than the national average.

Factors influencing cost of living

Here’s what goes into the cost-of-living equation:

• Housing costs: Often the largest expense for most individuals and families, this category includes rent, mortgage payments, property taxes, and home insurance. In states with the lowest cost of living, housing is significantly more affordable, especially in rural and suburban areas.
• Utilities: Electricity, water, gas, trash collection, and internet services can vary widely by region. Colder climates might see higher heating bills, while warmer areas may spend more on air conditioning.
• Healthcare: Medical care costs, insurance premiums, and out-of-pocket expenses influence overall affordability. States with robust public health programs or competitive insurance markets tend to offer lower healthcare costs.
• Transportation: Includes gas prices, car insurance, public transportation, and commuting costs. In car-dependent states, longer distances and higher fuel costs can add up quickly.
• Grocery and daily goods: The cost of groceries, dining out, and household essentials reflects local supply chains and taxes. States closer to agricultural hubs or distribution centers often see lower food costs. 
• Miscellaneous expenses: This final category includes education, childcare, entertainment, and other lifestyle-related expenses that vary by location and household.

Top 5 most affordable places to live in the US in 2025

Here’s a breakdown of five of the most budget-friendly states in the US, including cost-of-living factors and what to expect in terms of population, climate, diversity, and quality of life. 

State	Overall	Housing	Utilities	Healthcare	Transport	Grocery
West Virginia	84.1	59.9	96.6	97.7	93.1	99.0
Oklahoma	85.7	68.6	95.4	96.6	90.7	95.4
Kansas	87.0	72.4	98.7	94.5	90.1	94.8
Mississippi	87.9	73.9	88.9	99.3	89.8	87.9
Alabama	88.0	69.5	100.0	87.0	90.8	88.0

Source: World Population Review 

West Virginia

• Overall cost of living index: 84.1
• Population: 1.77 million 
• Average salary: $55,212 USD

West Virginia is the most affordable place to live in the US, with the lowest cost of living in the country. If you’re looking for states with cheap housing in 2025, West Virginia is at the top of the list. The median home price is $167,250 USD, and the average rent for a 2-bedroom apartment is $1,093 USD.

People love West Virginia for its natural beauty, quiet pace of life, and outdoor recreation opportunities, such as hiking, fishing, and skiing in the Appalachian Mountains. It’s especially appealing to retirees or remote workers seeking serenity.

Drawbacks to be aware of: the state offers limited job diversity, has an aging population, and suffers from healthcare shortages.

Oklahoma

• Overall cost of living index: 85.7
• Population: 4.13 million 
• Average salary: $49,890 USD

Oklahoma combines low living costs with a strong job market in energy, aerospace, and healthcare. Housing is affordable, and utility costs are below the national average (95.4). 

Residents enjoy rich Native American and Western heritage, open spaces, and a tight-knit community atmosphere, especially in smaller cities.

Drawbacks to consider: Oklahoma ranks mid-tier in healthcare access and is prone to severe weather, including tornadoes. Infrastructure is improving, but can be uneven across rural areas.

Kansas

• Overall cost of living index: 87
• Population: 2.99 million
• Average salary: $50,028 USD

Kansas is known for its family-friendly communities, top-rated public schools, and central location, making it attractive for professionals and families alike. The economy is anchored by agriculture, aviation, and logistics. Kansas offers low commute times, friendly residents (ranked as the 8th-friendliest state), and a slower pace of life. 

While housing is affordable and grocery prices are low, utility costs can be higher, especially in colder seasons. 

What to consider: There are fewer entertainment options in rural areas, and the state suffers from unpredictable weather. 

Mississippi

• Overall cost of living index: 87.9
• Population: 2.94 million
• Average salary: $47,503 USD

Mississippi offers low housing, healthcare, and grocery costs, making it ideal for cost-conscious movers. Coastal areas and river towns boast scenic views and a rich cultural heritage rooted in blues music, food, and tradition. 

Mississippi’s strong community ties, mild winters, and low property taxes appeal to retirees and those looking for a slower lifestyle. 

Drawbacks to be aware of: the state faces economic challenges, including higher poverty rates, limited infrastructure, and uneven healthcare access.

Alabama

• Overall cost of living index: 88
• Population: 5.07 million
• Average salary: $48,110 USD

Alabama stands out for its beautiful landscapes, from Gulf Coast beaches to Appalachian foothills. It offers a relaxed lifestyle, Southern charm, and affordable real estate, especially in suburban and rural areas.While healthcare and education quality can vary, many cities like Huntsville and Birmingham are investing in infrastructure, making them great relocation options.

What to consider: Utilities can be high, and income levels are slightly below average, but low property taxes and affordable transportation help offset costs.

How to decide if relocation is right for you

Relocating for lower cost of living can lead to long-term savings, but it’s a big decision with emotional, financial, and logistical considerations. Before you start packing boxes, it’s essential to evaluate whether moving truly aligns with your needs, goals, and lifestyle.

Consider the following to help you make an informed decision.

Evaluate your finances

Start by taking an honest look at your current financial situation. Create a monthly budget that includes all major expenses:

• Rent or mortgage
• Utilities 
• Transportation
• Healthcare
• Groceries and household essentials
• Childcare or education expenses

Once you have a clear picture, compare these numbers to the cost-of-living data in potential relocation states. Tools like C2ER COLI or the NerdWallet Cost of Living Calculator can give you side-by-side comparisons to help you visualize the differences.

Ask yourself:

• Will my salary or income stretch further in a new location?
• Can I save more or reduce debt further?
• Are there hidden costs (moving, job search, new insurance) that might offset savings? 

Clarify your lifestyle needs

Cost alone shouldn’t be the only driver of your decision. A low-cost area might not be the right fit if it doesn’t support your personal and professional goals. Think about the kind of lifestyle you want to lead:

• Do you prefer urban, suburban, or rural living?
• How important is access to public transportation, cultural amenities, or restaurants?
• Are you looking for strong school districts, access to outdoor recreation, or a slower pace of life?
• Will you be able to maintain social connections or build a new community easily?

Research neighborhoods like a local

Even within an affordable state, costs and lifestyles can vary significantly between cities and towns. A state might have a low overall cost of living, but certain metro areas could still be pricey.

Here are a few tips to help you dig deeper:

• Use real estate platforms like Zillow, Redfin, or Realtor.com to browse home and rental prices in specific areas.
• Check out crime rates, school rankings, and walkability scores through tools like Niche.com or GreatSchools.org.
• Watch YouTube blogs or neighborhood walkthroughs to get a sense of daily life.
• Join local Facebook groups or Reddit communities to ask questions and hear from residents.

If possible, plan a short trip or temporary stay (such as a one-month rental) to experience the area firsthand before committing to the long term.

Evaluate career and remote work flexibility

If you are a freelancer or you work remotely, relocation may be easier, but you’ll still want to consider:

• Internet speed and reliability in your new location
• Time zone differences (important for remote teams)
• State income tax implications for remote workers (some states tax based on your employer’s location)

If you plan to look for a new job, research the local job market and average wages in your industry. Affordable living is great, but not if it’s paired with limited employment options or reduced earning potential.

Involve your family or support system

If you’re moving with a partner, children, or dependents, involve them in the conversation early. Everyone’s needs, from school options to medical care, should be considered.

And if you’re relocating alone, think about how you’ll build a new support system. Does the area have a strong sense of community? Opportunities for social engagement? Proximity to family or friends? 

Resources for cost-of-living comparisons

Below are some of the most trusted and user-friendly resources to help you compare costs across states and make a more informed decision.

Cost-of-living calculators

These tools allow you to compare your current city to a new location based on your income, lifestyle, and spending habits. 

• NerdWallet
• Bankrate
• SmartAsset
• MIT Living Wage Calculator

Government and official economic data sources

These sites offer authoritative, data-backed information that can guide your deeper research. 

• US Bureau of Economic Analysis (BEA): BEA’s Regional Price Parities (RPPs) measure the difference in prices across states and metro areas, which is useful for comparing the real value of money by region.
• US Census Bureau: With demographic, economic, and housing data by state and city, the census can be used to understand population growth trends, median incomes, and homeownership rates.
• Official state & local government websites: Many states publish economic outlooks, relocation guides, and cost-of-living overviews, offering resources tailored to future residents.

Recommended sources for further research

While calculators and databases are great starting points, it’s important to look at qualitative insights too, especially when evaluating lifestyle and local community dynamics.

• Reddit: Subreddits like r/Relocation, r/PersonalFinance, or city-specific threads offer unfiltered insights from real residents. You can search past threads or post your own questions.
• Zillow or Realtor.com: Use these to check current home prices and rent estimates in specific cities or zip codes. You can often see price trends over time, giving you a sense of market stability.
• Healthcare.gov: This site helps you understand health insurance options and estimated costs in different states if you’re not covered through an employer.

No single tool gives the full picture. Combine insights from calculators, official data, and firsthand accounts to make sure you’re looking at both the numbers and the lived experience.

FAQs

What is a good cost-of-living index?

A cost-of-living index of 100 represents the national average, so anything below 100 means the area is more affordable than average. States with an index in the 80s or low 90s typically offer significant cost savings, especially in housing.

How do I know if relocating will save me money?

Use a cost-of-living calculator to compare your current expenses with your potential new location. Be sure to factor in housing, taxes, transportation, healthcare, and job opportunities. Also consider how a move could affect your income, work-life balance, and access to essential services.

Is a lower cost of living always better?

Not always. While lower costs can ease financial pressure, some areas may have fewer amenities, limited job prospects, or less access to healthcare and education. It’s important to weigh affordability with quality of life, including safety, social opportunities, and long-term career growth.

Have you ever stood at airport security, clutching a sandwich from home and silently wondering if you can actually bring snacks on a plane? Bringing your own food isn’t just about saving a few dollars at the airport. For many of us, it’s also about comfort. Maybe it’s a taste of your mom’s cooking, a childhood snack that makes you feel grounded, or just your favorite trail mix that gets you through a long layover.

At Remitly, we know that travel can be emotional, especially when it connects you to the people and places that matter most. Sometimes, the smallest things, like a snack tucked into your carry-on, make the journey feel a little more comfortable. So, let’s unpack what you can bring and what to avoid.

What TSA says about food on a plane

Before you start packing, the good news is that the Transportation Security Administration (TSA) isn’t out to take away your snacks. The only thing they care about is keeping flights safe and screening food efficiently.

Solid foods are allowed

Solid foods are absolutely fine to bring in both your carry-on and checked bags. TSA officers might ask to X-ray or quickly inspect them, but that’s normal, especially if something looks unfamiliar on the scanner. So, if you want to bring cookies, sandwiches, fruit, or even leftover empanadas, go right ahead.

The rule to remember is that if it’s solid, you can bring it. If it’s liquid, that’s another story.

Examples of allowed snacks

You can bring pretty much anything that holds its shape, like sandwiches, fruit, granola bars, nuts, chocolate, muffins, you name it. If it’s something you can hold without worrying about it leaking, then you’re good to go. Don’t worry, TSA officers aren’t judging your snack choices.

Where people often get tripped up is with foods that blur the line between solid and liquid. Think peanut butter, hummus, salsa, or jam. If it’s spreadable, pourable, or even scoopable, TSA will count it as a liquid or gel, which means it has to follow the 3-1-1 rule.

The 3-1-1 rule for liquids

This rule is the one travelers most often forget about when packing snacks, yet it’s the easiest to remember once you’ve done it once or twice.

What the 3-1-1 rule means

Every traveler can bring liquids, gels, and aerosols in containers that are 3.4 ounces (100 milliliters) or less. All of those containers need to fit into one quart-sized, clear plastic bag, and you only get one bag per person.

So, you can bring a small pot of hummus or a mini tub of peanut butter, as long as it’s within the size limit and fits in your liquids bag. Think snack-size, not family-size.

Foods considered liquids or gels

Some unexpected snacks that you might not know count as “liquids” include: peanut butter, yogurt, cream cheese, salsa, dips, jam, and even soft cheese spreads. You can still pack them—just make sure they’re in small, sealed containers that fit in your clear bag.

If you freeze certain foods before you go through security, TSA may count them as solids, but only if they’re completely frozen at screening time.

What about drinks?

Drinks follow the same 3-1-1 rule. You can’t bring a full water bottle through security, but you can bring an empty one and fill it afterward. Most airports have refill stations, which saves money and avoids plastic waste.

If you’re traveling with a baby or have medical needs, those liquids are exempt.

Quick tip for faster checks

Put all your liquid or gel foods in one clear bag and keep it near the top of your carry-on. When you reach the scanner, you can pull it out along with your electronics. TSA officers appreciate it when travelers are prepared, and other travelers will appreciate you not holding up the line while digging through your backpack.

You can double-check everything on the TSA liquids page if you want extra peace of mind before you fly.

Special considerations: baby food and medical needs

If you’re traveling with a baby or need to bring specific food for medical reasons, don’t worry: TSA makes exceptions for you.

Exemptions from the 3-1-1 rule

Baby formula, breast milk, juice for infants, and medically necessary liquids don’t have to follow the 3.4-ounce limit. You can bring what you need for the journey, as long as it’s reasonable. That might include protein shakes, nutritional supplements, or other health-related items.

How to declare these items

When you reach the screening area, just let a TSA officer know. Place these items separately in a bin for screening. They may test them for safety, but they won’t open sealed containers. TSA agents handle these items every day, and being upfront helps everything go smoothly.

It also helps to keep everything labeled and packed neatly together. Traveling with kids can be stressful enough, so having everything organized will save you time and keep you calm. 

Packing tips for a smooth security check

Once you know what you can bring, the next step is how to pack it so you’re not holding up the line.

How to pack snacks efficiently

Try to pack your snacks in clear, resealable bags or small containers. It’s easier for the airport staff to see what’s inside, and nothing gets squished at the bottom of your bag. Keeping snacks near the top of your carry-on also helps if an officer needs to check something. You can grab it quickly and move on.

Be considerate of others

We’ve all been there, someone opens a strong-smelling meal mid-flight, and suddenly the whole cabin smells like fish stew. As tempting as it is to pack your favorite leftovers, aim for travel-friendly snacks that don’t have strong smells or messy sauces. You’ll thank yourself later, and so will everyone sitting near you.

Think of in-flight snacking as a gentle art. Open noisy packaging before take off, avoid spilling crumbs, and toss your trash when the crew comes around. You’re basically creating your own mini picnic in the sky.

How bringing your own snacks saves money

We all know that airport food prices are high these days. A sandwich that costs $5 in your local coffee shop can easily be $15 past security. Packing your own food saves money, and it gives you control over what you eat. 

You can choose healthier options, avoid allergens, and skip the long lines. And maybe that money you save on overpriced snacks can go toward something like sending a little extra home through Remitly.

Smart snack ideas that travel well

Now for the fun part, packing snacks that can survive the journey. Aim for the sturdy kind: no melting chocolate or crumbly pastries falling apart mid-flight.

Healthy, TSA-friendly options

Think about foods that stay fresh for hours, like roasted chickpeas, dried fruit, protein bars, cheese cubes, or rice crackers. They’re easy to pack, mess-free, and perfect for snacking on during layovers. Hard-boiled eggs even make the list if you keep them sealed.

One of the best parts of traveling as an immigrant or expat is that your snacks tell stories. Maybe you’re bringing Filipino polvorón, Indian samosas, Mexican empanadas, or Nigerian puff-puff. Each one carries a little piece of home. These are all solid foods, so they’re fine to bring, just skip the dipping sauces unless they’re in small containers that follow the 3-1-1 rule.

Small meals for long flights

If you’re flying long-haul, you’ll probably want more than a snack. A wrap, rice ball, or salad can make a huge difference mid-flight. 

Most airlines are fine with outside food as long as it’s clean and doesn’t have a strong smell. Add a napkin and a resealable bag, and you’re good to go. There’s something comforting about eating your favorite food while 30,000 feet in the air.

Traveling internationally

Everything we’ve covered so far applies to the US, but if you’re flying internationally, there’s one more layer to think about: customs.

TSA vs. customs

TSA rules apply when you’re going onto the plane, while customs rules apply when you’re entering another country. So, while you can take that apple on a flight from New York to London, you might not be allowed to bring it into the UK. It’s not about being strict, it’s about protecting agriculture and preventing pests from crossing borders.

Many countries restrict fruits, vegetables, meats, dairy, and seeds. It’s always safest to eat those fresh foods before landing or declare them at customs. Even something as small as an orange can lead to a fine if it’s undeclared. 

Bringing snacks for someone else

If you’re bringing snacks as gifts for friends or family abroad, it’s best to stick with sealed, packaged items. Store-bought snacks like chocolates or chips are usually fine, but homemade foods can sometimes cause issues depending on the destination. Bringing a few treats from the US can be a sweet way to share your world with the people back home.

When in doubt, declare it. It takes an extra minute, but it’ll save you the stress later. You can check the US Customs and Border Protection website for the latest food restrictions before you fly.

A taste of home, wherever you fly

Traveling with snacks shouldn’t be stressful. Solids are fine, liquids follow the 3-1-1 rule, and the rest depends on where you’re headed. At Remitly, we know those little comforts matter. Whether you’re bringing your favorite snacks across borders or sending love to someone waiting back home, we’re here to help you stay connected no matter how far you travel.

FAQs

Can I bring homemade sandwiches on a plane?

Yes. Sandwiches, wraps, or even empanadas are totally fine in your carry-on. Just pack them neatly and avoid liquid fillings.

Is peanut butter considered a liquid?

Yes. TSA classifies it as a “spread,” so it has to follow the 3-1-1 rule.

Can I bring chips or crackers on a plane?

Yes, you can bring as many dry snacks like chips and crackers as you like. There’s no limit.

Can I bring a whole cake or pie?

You can, it just might need extra screening, but TSA agents won’t take your dessert away.

What about frozen food?

Frozen food is allowed if it’s fully solid when screened. If it’s starting to thaw, TSA will treat it as a liquid.

Understanding the meaning of next of kin is especially important during some of life’s hardest moments, like a medical emergency or the loss of a loved one. These are times when emotions run high, and clear expectations can bring comfort. Knowing who qualifies as your next of kin, and what that role really means for you and your family, can help you make confident, informed choices when it matters most.

Next of kin is a legal concept that determines who has the right to make decisions, access information, and even inherit property if you become incapacitated or pass away. For many immigrants, understanding this term can bring peace of mind and prevent painful confusion or family disputes later on.

In this Remitly guide, we’ll explore what next of kin means in practical terms, how it’s determined, what rights and responsibilities it carries, how it differs from other legal roles, and how you can take simple steps to protect your family’s future.

What does next of kin mean?

Your next of kin is your closest living relative by blood, marriage, or legal relationship. In simple terms, it’s the person the law recognizes as being closest to you when important decisions need to be made on your behalf, especially if you haven’t prepared legal documents like a will or power of attorney (POA).

When does next of kin matter?

You’ll often see “next of kin” listed on hospital forms, financial documents, or legal documents after someone passes away. It becomes important when:

• Someone is incapacitated and can’t make medical decisions;
• Someone dies without leaving a will (a status known as intestate);
• There’s a need to settle an estate, access bank accounts, or arrange a funeral.

Marriage, adoption, and partnerships

Marriage, legal partnership, and adoption also play a major role in determining who qualifies as next of kin. If you’re married or in a registered partnership, your spouse or legal partner is usually considered your primary next of kin. Legally adopted children have the same rights as biological children, while stepchildren, unless formally adopted, might not be recognized as next of kin at all.

If you live with your partner but aren’t legally married, things can get more complicated. Even if you’ve shared your life for years, the law may not automatically recognize your partner as next of kin. That’s why it’s so important to understand the rules where you live and take steps to document your wishes, so that the people you care about are protected.

How the next of kin is determined

In the US, there’s a standard order for determining who qualifies as next of kin. This hierarchy ensures that important decisions and responsibilities have a clear path when needed. The common hierarchy is:

1. Spouse or legal partner
2. Children (biological or legally adopted)
3. Parents
4. Siblings
5. Grandparents, aunts, uncles, and cousins

If multiple people are at the same level, such as several children or siblings, they usually share equal rights and responsibilities under intestacy law. 

Differences by location

These rules aren’t the same everywhere. Laws vary depending on where you live. In the US, the spouse generally takes priority. But in some Asian or European countries, parents or children might legally come before a spouse, especially if the marriage isn’t registered locally.

If you’ve recently moved to the US, this can feel overwhelming during stressful times. Your home country may define next of kin differently, which can affect medical, financial, and inheritance decisions. Getting local legal advice can help clarify how these rules apply to your situation.

Blended and complex families

Modern families come in all forms. Blended families, stepchildren, or estranged relatives can make determining next of kin less straightforward.

For example, a parent who has remarried might assume their current spouse would be recognized as next of kin, while adult children from a previous marriage could also have a legal claim. Stepchildren who were never legally adopted may not be recognized, even if they were raised as part of the family.

In cases like this, the law can’t always reflect the emotional bonds between people. That’s why clear documentation, like a will or healthcare directive, is so important. It helps prevent disputes and ensures your wishes are respected.

Rights and responsibilities of next of kin

Being someone’s next of kin is both an honor and a serious responsibility. It comes with legal rights but also obligations that can be emotionally and financially demanding.

Rights and responsibilities

Inheritance

When someone dies without a will, the next of kin typically inherits their assets according to local intestacy laws. This could include property, money, or possessions. But inheritance isn’t always simple.

As next of kin, you might find yourself managing debts, closing accounts, and handling official paperwork, which can take months or even years, especially if family members live in different countries. This might include working with attorneys, banks, and government agencies to close accounts or transfer property.

Medical decisions

Legal next of kin may also be asked to make medical or end-of-life decisions. If someone becomes incapacitated and hasn’t named a healthcare proxy or granted power of attorney, doctors often turn to their next of kin to make important treatment decisions.

This responsibility can be emotionally overwhelming, particularly if family members disagree about what’s best. Compassion and clear communication can help guide these difficult decisions.

Funeral arrangements

There’s also the matter of arranging funerals or memorials. Next of kin often has the legal authority to make funeral or memorial decisions. While this can be comforting for some, it can also feel stressful if the deceased’s wishes weren’t clearly communicated.

Planning and documenting preferences can ease the burden and ensure your loved one is honored in the way they would have wanted.

Limitations of next of kin status

It’s important to know that being next of kin doesn’t automatically give you absolute authority. Legal documents like a will, living will, healthcare directive, or power of attorney can override the default next of kin rules.

This means that if someone has officially appointed another person to handle their affairs, that person takes priority. For families, this is a reminder that planning ahead can spare loved ones from uncertainty and conflict later.

The emotional toll

Acting as next of kin can feel like both an honor and a heavy responsibility. You might be navigating grief while handling finances, legal matters, and government paperwork.

If your loved ones live abroad, it can get even more complicated, with time zones, paperwork, and language barriers adding to the stress. Having clear legal direction and documentation helps ease this burden and ensures you aren’t left making impossible decisions in important moments of loss.

Next of kin vs. other legal designations

It’s easy to confuse next of kin with other legal terms like power of attorney, beneficiary, or executor. Each serves a different purpose, and understanding the differences helps you ensure your affairs are handled exactly as you intend.

Next of kin vs. power of attorney

A power of attorney (POA) is a legal document that lets someone make financial or medical decisions for you if you’re unable to do so. This could occur in cases of dementia, traumatic brain injuries, or other impairment. Your power of attorney could be a relative, friend, or legal advisor, and their authority takes priority over your next of kin.

Next of kin vs. beneficiary

A beneficiary is someone you name in a legal document (like a will, trust, or life insurance policy) to receive specific assets, like insurance money or retirement funds. This designation is legally binding, which means even if your next of kin is someone else, the named beneficiary still receives the designated assets. For example, if your bank account lists your sibling as a beneficiary, they’ll receive the funds, even if your spouse is your next of kin. 

Next of kin vs. executor

An executor is named in a will to manage the estate, pay debts, and distribute property after you pass away. The executor might be your next of kin but doesn’t have to be. If there’s no will, a court may appoint someone, often next of kin, to serve in this role.

When wills and trusts override default rules

Creating a will or trust overrides the default next of kin hierarchy. Your written instructions become legally binding, ensuring your loved ones are cared for according to your wishes.

Even if you have modest assets, making a plan avoids confusion and conflict and ensures your family is protected.

Protecting your family’s interests

Thinking about illness or loss is never easy, but taking small, thoughtful steps now can make a big difference for your family later. The most effective way to protect your loved ones is to ensure that your affairs are clearly documented and up to date.

Create or update your legal documents

Creating a will, power of attorney, or healthcare directive ensures that your preferences are known and legally enforceable. Without these documents, your family might be left guessing—or worse, unable to act—when it matters most. Even creating a simple, properly witnessed handwritten will can help avoid confusion.

Review your beneficiaries

It’s a good idea to review the beneficiaries listed on your accounts and insurance policies. Marriages, children, and relocations can affect how assets should be distributed. Keeping your beneficiary designations up to date prevents disputes.

Communicate your wishes

Clear communication is incredibly important, too. Talking with your family about your wishes might feel uncomfortable at first, but these conversations can prevent conflict later. Have open conversations with your family about care preferences, memorial plans, or who should manage your affairs. This ensures your loved ones understand their next of kin status and feel confident acting on your behalf.

Seek professional guidance

Legal systems can be especially complex, and the next of kin meaning under US law can differ significantly from that of other countries. Working with a lawyer who is knowledgeable about multiple jurisdictions can prevent delays and confusion, especially if you are an immigrant or have family members living abroad.

Take control of your family’s future

Understanding next of kin is all about making sure the people closest to you are supported and informed if something unexpected happens.

You can start today by reviewing your legal documents, updating beneficiaries, and having honest conversations with your family. These steps might seem small, but they can save your loved ones from uncertainty and stress later on.

FAQs

What does next of kin mean legally?

Legally, next of kin means the person recognized as your closest relative, with rights to make decisions or inherit in the absence of a will. Rules vary depending on where you live.

Is a spouse always considered next of kin?

Usually yes, but this can vary based on state law.

Can I choose my next of kin?

Not exactly. The law usually determines your next of kin based on family relationships. However, you can use legal documents like a will or POA to appoint someone else to handle your affairs.

What happens if there is no next of kin?

If someone passes away and no living relatives can be found, the state government steps in to manage the estate. Property may eventually go to the state if no heirs are located.

Does the next of kin automatically inherit everything?

No, inheritance depends on whether the person left a will. If not, local intestacy laws decide how assets are divided. These laws vary widely by country and state.

Can my next of kin make medical decisions for me?

In many cases, yes, especially if you haven’t appointed a healthcare proxy or POA. Hospitals follow specific legal procedures, and in some states, only a spouse or parent may qualify. 

What if my next of kin lives in another country?

This can complicate things. Having a local representative and clear legal guidance can help avoid delays and confusion.

Financial security is about more than what your bank balance shows. Money has a huge impact on our overall well-being, and that includes our mental health, too. But much like how body dysmorphia distorts the way you might see your physical appearance, money dysmorphia can affect how you perceive your financial reality.

Remitly is here to help you thrive financially, and that usually starts by taking a realistic view of your finances. In this article, we explore what this unique phenomenon really is and how it may be giving you a false impression of your financial health. We’ll also look at how to recognize common signs and the psychological and social forces driving it. 

What is money dysmorphia?

Money dysmorphia is the term for a psychological occurrence where one develops an unrealistic perception of their financial situation.

This can go either way: some people think they have more funds than they do. But more often, money dysmorphia leads people to believe they’re doing worse financially than they really are. 

This might make you feel anxious and insecure despite having a stable income, savings, or investments. That’s because this distorted mindset isn’t about numbers in the bank; it’s about how those numbers stack up compared to your own expectations and social norms.

Body dysmorphia: the original concept

The concept comes from body dysmorphia, where individuals fixate on perceived flaws in their appearance that are invisible to other people. Similarly, people with money dysmorphia fixate on imagined financial inadequacies.

Often, money perception issues manifest as constant comparisons with peers or online influencers who appear to be more successful. What these two forms of dysmorphia have in common is the importance placed on perception. When your self-worth is tied to an unrealistic standard, reality gets replaced by anxiety and self-doubt.

Money dysmorphia also appears to be on the rise. As the research shows, it’s becoming more common among younger generations, who tend to have less financial stability. And with flashy lifestyles now commonplace online, this phenomenon is already having real consequences for society’s short- and long-term well-being.

Modern money expectations

A recent study by Credit Karma found that 43% of Gen Z and 41% of millennials struggle with money dysmorphia. Mostly, they feel that their finances aren’t keeping up with everyone else. 

Another study found that only 14% of Americans consider themselves wealthy. That’s despite the average household net worth rising 37% between 2019 and 2022. 

Meanwhile, 67% of Americans now believe they would need at least $1 million USD to feel wealthy. So, despite being richer than ever, many people feel like they’re falling behind.

Money dysmorphia vs. financial hardship

It’s important to point out that money dysmorphia is different from real financial hardship. We all get stressed when we lose a job, carry a lot of debt, or struggle to pay bills. So, it’s normal to feel uncomfortable and even anxious if your money doesn’t stretch far enough.

Money dysmorphia, on the other hand, exists independently of how much money you have. A person can have a comfortable salary, a healthy level of savings, and no debt, but still live in constant fear of not having enough.

This disconnect does more than just create unnecessary emotional strain; it can also lead to negative financial behaviors, such as excessive saving or under-spending, a reluctance to invest, or burnout from overworking.

Common signs of money dysmorphia

Does someone you know have money dysmorphia? Are you suffering from it yourself? Recognizing the signs is the first step toward determining whether your financial reality might be distorted.

Since money dysmorphia creates a sense of insecurity even in those who are doing well financially, it can be difficult to identify. Let’s take a look at some of the most common indicators that show your money perception doesn’t align with your actual net worth.

Constantly feeling broke

Feeling poor, even when your savings, income, and budgeting habits are strong, is one of the clearest signs of money dysmorphia. You might have a stable job with a good salary and a healthy bank account, but still feel like you’re falling behind or barely scraping by.

This can lead to unnecessary guilt or fear when making everyday financial decisions. It can also make you more hesitant to invest, which in turn harms your financial future. That’s why experts say money dysmorphia can sometimes become a self-fulfilling prophecy.

Obsessively checking financial statements

It’s crucial to stay on top of your financial situation. But there’s usually no need to check your bank accounts multiple times a day. Constantly checking deposit or savings statements, investments, and other indicators of financial well-being reflects anxiety about your economic situation.

Avoiding social activities

Sometimes, having a skewed perception of your financial health can quickly become an unhealthy obsession with saving money. This can lead to avoiding social activities that you used to enjoy, as you believe you’re unable to afford them. While living within your means is key, it’s also important to maintain connections with friends and family. People with money dysmorphia often neglect this.

Anxiety about spending

Having money dysmorphia makes it hard to spend money, even when you need to, say on necessities like groceries or healthcare. But the fear of running out of money can force you to reduce spending, whether it’s necessary or not.

Constant comparison

Many people habitually compare their financial situation to others. It might be your neighbors, friends from college, or social media influencers. This often leads to feelings of inadequacy and self-judgment.

Physical symptoms

Persistent financial anxiety can manifest as stress, insomnia, headaches, or even panic attacks. These physical symptoms steadily erode your mental health, reinforcing the cycle of insecurity.

What causes money dysmorphia?

Money dysmorphia doesn’t appear out of the blue. Instead, it’s a result of deeply rooted psychological, social, and cultural influences that affect how we perceive financial stability. Understanding these causes can help you identify where your own anxiety comes from and take steps toward financial wellness.

Social media

There’s a reason why money dysmorphia seems to affect younger people who are more active online. Constant exposure to curated online content can create a warped perception of how other people are doing financially. 

Social media platforms often showcase luxury travel, designer shopping hauls, and success milestones. This can make financial comfort seem synonymous with wealth and extravagance. 

Comparing your life to somebody else’s highlight reel can create a false sense of inadequacy. Over time, this comparison trap distorts your money perception, making you chase unrealistic levels of wealth.

Childhood experiences and money trauma

Our earliest experiences with money shape how we feel about it as adults. Growing up in a household with financial instability or scarcity can create a sense of chronic fear around money. 

A child who grew up poor can often carry these emotional patterns into adulthood, even after achieving financial security. After all, it’s hard to shake the habits we develop early in life, and that includes our feelings about money.

Poor financial education

Many people were never taught about budgeting, saving, and investing. And without that knowledge, it’s easy to feel uncertain about how much money is really enough. This lack of confidence can fuel anxiety and lead to a constant feeling of falling short.

Media influence

It’s pretty well established that humans have a negativity bias. In other words, we tend to focus more on the negatives. That’s why the media reports far more often on bad news than good. 

Endless new cycles about inflation, housing crises, rising living costs, and struggling economies can amplify financial anxiety. Even if you’re not directly affected, you may internalize the fear generated by crisis headlines.

Cultural pressure

Many societies glorify material success. Bigger homes, luxury cars, and high-status careers are positioned as something you ought to desire and as a reflection of your self-worth. Feeling that your worth is based on your bank balance feeds into money dysmorphia.

The impact on your financial and mental health

Money dysmorphia affects how you perceive and value money. But it can also change how you manage your finances, sometimes leading to counterproductive decisions. 

Many people with a distorted money perception fall into extremes: over-saving out of fear of future instability or under-investing due to risk anxiety, for example. These behaviors can harm your long-term financial wellness. That’s how money dysmorphia can turn unjustified anxiety into real economic hardship.

Constant financial anxiety also takes a toll on mental health. Worrying about money all the time can lead to chronic stress, irritability, and burnout. This sour mood can also harm your relationships with friends and family, creating a cycle that’s hard to break.

People with money dysmorphia may withdraw from social events. But the effects can also be more subtle, like avoiding salary negotiations at work or declining promotions that involve perceived financial risks. You might also be less likely to start a new business or launch a new career—actions that generally lead to greater success in the long term.

Money dysmorphia is about more than money. As you can see, it can affect multiple aspects of your life, impacting relationships, confidence, and mental health.

Breaking free from money dysmorphia

Because money dysmorphia isn’t necessarily based on how much cash you have, it can’t be solved by earning or saving more. The goal isn’t just to improve your finances, but to rebuild a healthy relationship with money rooted in reality, not fear.

Here’s how to start.

Step 1 – Build financial awareness

First, you need to understand where you really stand financially. Use budgeting tools or simple spreadsheets to track income, expenses, debts, and savings. Calculating your net worth, that is, what you own minus what you owe, can help you ground your money perception in facts. 

Similarly, assessing your spending patterns ensures you’ll see where your money actually goes, reducing anxiety. Try to set realistic financial goals that reflect your circumstances instead of the lifestyles you see on social media.

Step 2 – Develop healthy money habits

Adopting healthy habits can help you learn how to overcome financial anxiety. For example, start building an emergency fund to cushion you from unexpected expenses. And, if possible, consider automating your savings and investments. That will reduce the pressure of having to make weighty decisions every day.

Step 3 – Addressing the psychological aspects

Money dysmorphia is as psychological as it is financial. This means it’s essential to tackle the mental side of things to build a healthier financial outlook. Start by limiting your exposure to social media accounts that trigger financial anxiety. You can adopt daily gratitude practices to shift your focus away from scarcity and onto opportunity. But if your fears feel overwhelming, consider talking to a therapist who can help you explore your harmful feelings around money.

Take control of your financial reality today

Money dysmorphia is a growing problem, fueled in part by social media that encourages excessive comparison with others. While there have always been people who feel pressure to keep up financially with those around them, the internet has exposed us to a tidal wave of unattainable lifestyles.

Building a healthy relationship with money is a gradual process. You need to be patient and compassionate with yourself, and understand that your fears may not be based in reality.

Start with small steps like creating an accurate budget or limiting your social media exposure. Remember, the only way you should compete is by trying to be better than you were yesterday.

Frequently Asked Questions (FAQs)

How do I know if I have money dysmorphia or legitimate financial concerns?

Legitimate financial stress is caused by real challenges like debt, low income, or job loss. However, money dysmorphia comes from distorted perceptions about your financial health. To assess your true situation, review the hard data. Look at your income, expenses, debt-to-income ratio, and savings rate, rather than relying on emotion or comparison.

Can money dysmorphia affect wealthy people, too?

Absolutely. Because money dysmorphia is about perception rather than reality, even high earners can feel broke when they constantly compare themselves to those who have more. Many professionals with six-figure incomes report financial anxiety.

Is money dysmorphia a recognized mental health condition?

Money dysmorphia is not an official diagnosis. But psychological patterns of distorted thinking, comparison, and chronic financial anxiety are very real. Often, it overlaps with anxiety disorders and perfectionism. It can be effectively managed through therapy and cognitive behavioral strategies.

How can I help a friend or family member with money dysmorphia?

Provide empathy without judgement. Encourage open discussions about money instead of reinforcing fear or comparison. Suggest tools like budgeting apps or financial counseling. You can also recommend professional help if financial anxiety starts interfering with daily life or relationships.

Seeing as you’ll have it for many years, you want to look your best in your passport photograph. But can you smile in a passport photo? Your best, winning grin will probably not get approved, so it’s worth checking the guidelines of the country where you’re applying.

At Remitly, we want to simplify travel. That’s why we’ve put together this guide to help you understand the different requirements of major countries and why passport rules have changed over time. We’ll also give you practical tips for getting your passport photo right the first time.

Passport rules by country

Every country has its own rules when it comes to passports. And not all of them agree on the answer to the question: Can you smile in a passport photo? Let’s take a look at some examples from major countries.

United States (US) requirements

The guidelines for passport photos in the US are clear: You need to keep a neutral expression. Does this mean you’re not allowed to smile? Not necessarily. 

The US government states that it’s OK to smile in your passport photo, but it needs to be neutral, with a closed mouth and clearly open eyes. So, a slight smile—if you want to—will work. But defining a “slight smile” isn’t exactly easy, so if you’re unsure, it’s best not to smile at all.

United Kingdom (UK) guidelines

In the UK, the rules are a little different compared to the US. While both countries require a neutral expression, the UK does not allow smiling at all in its passport photos. 

The UK government website indicates the following passport photo rules: 

• No smile. This is a strict requirement, and there’s no wiggle room here.
• A good likeness of you, taken within the past month.
• Eyes must be open, mouth should be closed, and your entire face must be in the picture.
• No glare from glasses.
• No headwear, unless for medical or religious reasons.
• Nothing covering your face (such as hair or headwear).

You might be wondering if passport rules have changed post-Brexit. But, no, don’t worry—the regulations have stayed the same.

European Union (EU) standards

EU passports from all 27 member countries largely share the same requirements. These include a neutral expression (that means no smiling) and a closed mouth. Make sure not to tilt your head, and face the camera directly.

However, while the specifications are, for the most part, standardized, some countries have a little variation, for example when it comes to background color, digital image sizes, and other regulations. It’s worth checking your government website for up-to-date rules for your specific country.

Canada

When it comes to other major countries, Canada follows the International Civil Aviation Organization (ICAO) recommendations, including:

• A neutral expression.
• Eyes open and mouth closed.
• No smiling or frowning.

Australia

Australia has similar rules to most other countries we’ve listed, such as:

• A neutral expression.
• Eyes open and mouth closed.
• Interestingly, no glasses are permitted at all, unless they can’t be removed for medical reasons (vision impairment is not a good enough reason to keep them on).

Japan

Another country that is strict about its passport photo requirements, Japan specifies:

• Neutral expression with mouth closed.
• There must be no eyeglasses under any conditions.
• No uniforms.
• A white background.

Why passport photos require neutral expressions

Now we’ve looked at the requirements in different countries, you might be wondering why this rule on neutral expressions exists in the first place. It’s a bit complicated, but let’s go into the reasons below.

Security and identification technology

The neutral expression rule is to do with facial recognition software at entry points, like airports. Border control checkpoints use this cutting-edge software, but the technology isn’t quite as good at detecting different human expressions as we are (we can generally recognise someone regardless of their facial expression). So we need to make it easy for the machines to be accurate when scanning. 

Not to get too technical, but the software measures features like the distance between your eyes, nose, mouth, and ears, along with other factors. Smiling in a photo can change these distances and alter facial geometry, which is why a neutral expression is your best bet. 

Also worth noting is that modern passports are enabled with biometric technology, known as e-passports. They have an electronic microchip in them that stores your unique biometric data. It works like this: The scanner at border control makes a secure connection with the chip, reads the data on it, compares this to your face using a facial scan, and verifies the chip’s authenticity. 

Airports are busy places, and officials need the tech to keep things moving as quickly as possible while still maintaining security.

International standards

ICAO guidelines state that all passport photos must follow a set of rules for biometric scanners at borders to work. These include:

• Photos must be no older than six months.
• They must be clear and front-facing, with head and shoulders visible.
• Individuals must have a neutral expression with open eyes and a closed mouth.
• Backgrounds must be plain and light-colored with uniform lighting.
• Shadows and red eyes are not accepted.
• The face must occupy 70%-80% of the photograph.

This might seem strict, but it helps keep things moving smoothly. Because most entry points use the same software and technology, these rules help to prevent fraud globally. If the rules were different for every country, software and technology wouldn’t be able to keep up. 

For this to work effectively, machine-readable travel documents (MRTDs) like passports and visas, must have the necessary data on them. You can easily tell if your documents are MRTDs—they’ll have a special symbol printed on the cover or inside to show that they have a chip in them.

Common passport photo expression mistakes

Getting a new passport photo can be daunting, as mistakes can lead to unnecessary delays. Below we set out common mistakes, so you have the best chance of getting your photo right first time.

What counts as smiling

Depending on the country where you’re applying for your passport, you will probably need to keep a neutral and non-smiling expression on your face.

The main thing to remember is that your face should look natural, without any expression. If your lips naturally turn up, for example, don’t turn them down to avoid looking like you’re smiling. The best advice we can give you is to try to relax the muscles in your face when taking your picture.

Even though in the US a small smile is allowed, the reality is that the country also follows the ICAO rules, and a smile—even the slightest one—can cause issues with the software’s ability to recognize your face. So it might be best not to smile at all.

If you’re unsure whether your photo will be accepted, view these photos on the US government website. This applies to US passport photos, but can be used as a good guideline for most countries’ requirements.

Other expression-related errors

It’s not just smiling that’s forbidden in passport photos; squinting your eyes, frowning, and raising your eyebrows are also not allowed. 

But why should your mouth be closed and your teeth not visible? Because the facial recognition software uses precise measurements to scan your features and measure the distance between them and their angles. If your mouth is open, it interferes with the tech’s ability to work properly.

And it’s not just that: Shadows caused by non-neutral facial expressions can also interfere with the facial recognition software, because they can mask key features and change the way certain areas look, such as by making false contours.

Tips for taking compliant passport photos

Preparing for your photo session

It might sound a little funny, but practicing a neutral expression in the mirror can help you to prepare for your passport photograph. Also, try relaxing all the muscles in your face before the picture is taken. If you struggle to do this, first try scrunching them up, then relaxing them.

Lastly, ensure your head is directly facing the camera and you make eye contact with the lens. No tilting or looking side-on.

Professional vs. DIY photo options

So, the question is: Do you take your own passport photos, or do you have a professional do it for you? 

The convenience of taking your own can’t be denied; smartphones generally have excellent cameras, and you can get near-professional quality with them. 

The problem comes in when ensuring the proportions of the picture are correct. There’s more to clear passport photos than having a neutral face. You need to make sure that the top of your head and the bottom of your chin are a certain distance from the edges of the picture, among other considerations. Professional passport photo services understand all the rules and take pictures daily, so they know exactly how your photo should appear. 

Having said that, if you want to take your own photos, most government websites have clear instructions on how to take the pics, so it’s a matter of following those to the letter.

Just don’t use any editing software—this is a big no-no for all the countries we’ve mentioned, so no fancy filters or enhancing features. Some countries won’t even allow you to crop the photo, insisting instead on doing this internally if necessary.

What to do if your photo gets rejected

Passport photo rejections can be disappointing, as you’ll need to resubmit another photo that complies with the rules and regulations.

Some countries, like the US, give you a grace period to rectify the problem and resubmit (90 days in this case) without charging you additional fees. Others, like a Canadian passport, will return your entire application to you, and you’ll need to resubmit with new photos all over again. This unfortunately means you’ll need to pay the application fee again, which will affect how long it takes to get a passport.

Usually, if your photo is rejected, the issuing authority will tell you why, so we recommend you take their feedback seriously and rectify the problems. In addition, check the government website for tips and examples of what a good photo looks like versus an incorrect one. 

Get your passport photo right the first time

Most countries in the world prohibit smiling, frowning, or any other facial expressions that aren’t neutral in passport photos. Although the US is one exception to this rule, we recommend you act cautiously if you plan to smile in your US passport photo, as only a slight or small smile is allowed.

Understanding the rules of each country’s passport photo requirements (usually found on official government websites) is crucial to avoid delays and additional costs associated with resubmitting your application. Check these requirements before taking your photo so you aren’t stuck with a rejected application.

After all, you’ve worked so hard to make sure your paperwork is in order—it’s worth putting the same care into your passport photo.

FAQs

Can you smile in a passport photo?

Most countries do not allow smiling in your passport photograph, so it’s best to avoid doing it.

What happens if I smile in my passport photo?

If you smile in your passport photo, it will most likely be rejected and you’ll need to resubmit your photograph. In some circumstances, you may need to completely restart your application and pay the associated fees again.

Why can’t you smile in passport photos?

Biometric scanning technology at borders can have a hard time recognizing features when they’re distorted by non-neutral facial expressions, like smiling, frowning, and eyebrow-raising.

Are there any countries that allow smiling in passport photos?

Yes, the US allows slight smiling in photographs, as long as your expression is still neutral, your eyes are open, and your mouth is closed.

How neutral does my expression need to be?

As neutral as possible. The best way to achieve this is to relax all the muscles in your face. If your mouth naturally curves upwards, that’s fine—as long as you look as much like your usual self as possible.

If you’ve ever had a long layover or a delayed flight, you know how tiring airports can be. Crowded gates, limited seating, and constant noise make it hard to relax, especially when you’re traveling far to visit loved ones or returning home.

That’s where airport lounges come in. They offer quiet, relaxing spaces to rest, recharge, and enjoy amenities like snacks, Wi-Fi, and clean restrooms before your next flight. Many US credit cards include lounge access, but networks, fees, and rules can vary. Understanding your options can help you select the card that works best for your travel needs.

In this Remitly guide, you’ll find a list of credit cards with airport lounge access in 2025. We’ll walk you through how lounge access works and what to expect inside, helping you choose a card that makes travel a little more comfortable.

What is airport lounge access, and why do you need it?

Airport lounges are exclusive spaces designed to make travel more enjoyable. After clearing TSA security, lounges provide a peaceful space to recharge before your flight, with complimentary snacks, Wi-Fi, and a calm environment. 

Typical lounge benefits include:

• Complimentary snacks, light meals, and drinks (often including coffee or wine)
• Free, reliable Wi-Fi for catching up on work or calls
• Comfortable seating with charging ports
• Clean, private restrooms, and in some locations, showers

How access works in different types of airport lounges

Airline memberships, premium tickets, or premium credit cards usually grant you access to airport lounges. There are a few main types of lounge networks in the US:

• Airline-specific lounges: Operated by an individual airline, such as American Airlines’ Admirals Club, United Club, or Delta Sky Club, these lounges are often reserved for loyal travelers or those with a co-branded credit card.
• Airline Alliance lounges: These are affiliated with an airline alliance, like Star Alliance lounges, and accessible to travelers flying with member airlines.
• Independent lounge networks: These networks partner with many different airlines and lounges, such as Priority Pass.
• Credit card lounges: Operated by credit card issuers, like Centurion Lounges by American Express and Capital One Lounges, these are usually accessible to premium cardholders and sometimes their guests.

Many premium credit cards include access to one or more of these networks, making it easier for you to enjoy a comfortable and quiet space whenever you travel. These cards come with hefty annual fees, but they may save you money in the long run. If you fly several times a year, lounge access can save you from buying day passes, which often cost $60 to $80 per person. 

Best premium travel cards for lounge access in 2025

Premium travel cards often include extensive lounge access, along with other perks like travel credits, points programs, and hotel benefits. Here are some of the best credit cards for lounge access for 2025.

1. The Platinum Card® from American Express

The Platinum Card® from American Express offers access to the American Express Global Lounge Collection. You can enjoy over 1,550 lounges across more than 140 countries, including Centurion Lounges, Delta Sky Clubs (when flying Delta), and Priority Pass lounges (enrollment required). 

You’ll need to show your Platinum Card, a same-day boarding pass, and ID for entry. Some lounges allow guests to join you free of charge, while others may charge a small fee.

With the annual fee of $895, the card offers travel credits, hotel and airline perks, in addition to lounge access. 

Key travel benefits:

• Annual airline fee credits for baggage or seat upgrades
• Hotel perks, including Hilton Honors Gold and Marriott Bonvoy Gold status
• Statement credits for streaming, Uber, and CLEAR® Plus

Best for: The Platinum Card is a great choice if you want luxurious lounge access, premium perks, and extra comfort on international flights. It helps you unwind, enjoy premium benefits, and make the most of your time at the airport.

2. Chase Sapphire Reserve®

If you prefer flexibility when you travel, the Chase Sapphire Reserve® provides Priority Pass Select membership, giving you access to over 1,300 lounges worldwide. You can also visit Chase Sapphire Lounges, a growing network across major airports in the US and beyond.

Inside these lounges, you can expect freshly prepared meals, comfortable seating, and a calm space to rest before boarding. To enter, just present your Priority Pass card or digital membership along with a same-day boarding pass.

With the $795 annual fee, you also get a $300 annual travel credit and strong redemption options through Chase Ultimate Rewards. 

Key travel benefits:

• $300 annual travel credit that applies automatically to travel purchases
• Triple points on travel and dining, plus flexible redemption through Chase Travel
• Strong transfer partners (including major airlines and hotels)
• Comprehensive travel protection and insurance

Best for: Overall, the Chase Sapphire Reserve may be a good fit if you want premium perks and flexible travel rewards without committing to one airline. It gives you freedom, comfort, and value all in one card.

3. Capital One Venture X® Rewards Credit Card

If you want premium lounge access at a low annual fee, the Capital One Venture X® Rewards Credit Card strikes a great balance. For a $395 annual fee, you’ll have unlimited access to Capital One Lounges and Priority Pass lounges worldwide.

Capital One Lounges are known for being modern and traveler-friendly, offering fresh food, quiet work areas, and even showers in select locations. Once you’re enrolled, you can bring up to two guests at no extra charge, which is great if you travel with family or friends.

Key travel benefits:

• $300 annual travel credit when booking through Capital One Travel
• 10,000 bonus miles every account anniversary
• Double miles on all purchases, with easy redemption options
• Access for authorized users at no extra charge

Best for: The Venture X card is perfect if you want simple, straightforward lounge access and rewards at a lower annual fee. It gives you convenience, comfort, and flexibility without the higher cost of other premium cards.

Best airline co-branded cards for lounge access in 2025

If you often fly with the same airline, a co-branded card may be the most convenient option. Along with lounge access, these cards often include perks like free checked bags, priority boarding, and bonus miles for your purchases.

1: Delta SkyMiles® Reserve American Express Card

If you frequently fly with Delta, the Delta SkyMiles® Reserve American Express Card gives you complimentary access to Delta Sky Clubs whenever you’re flying Delta, and entry to Centurion Lounges when your trip is on a Delta-operated or Delta-marketed flight.

Delta Sky Clubs offer spacious seating, fresh food, and modern amenities, including dedicated workspaces and bar service. To enter, just show your Reserve Card and a same-day Delta boarding pass.

With a $650 annual fee, the card also includes perks such as priority boarding, your first checked bag free, and opportunities to earn Medallion Status faster through spending.

Key travel benefits:

• Complimentary Delta Sky Club access when flying Delta
• Centurion Lounge access on eligible flights
• Priority boarding and first checked bag free
• Opportunity to earn Medallion Status faster through spending

Best for: If you fly Delta often, this card can help you relax, enjoy the lounge experience, and get a few extra upgrades along the way.

2: The New United Club℠ Card

If you prefer United Airlines, the new United Club℠ Card with Chase gives you a full United Club membership, providing access to more than 45 United Club locations and hundreds of Star Alliance partner lounges globally.

Inside, you’ll find complimentary snacks and beverages, Wi-Fi, and quiet seating to rest or get work done. Show your card, a same-day United or Star Alliance boarding pass, and your ID for entry.

The card has a $695 annual fee, which includes perks like free checked bags, priority boarding, and increased mileage earned on United purchases.

Key travel benefits:

• Full United Club membership and access to Star Alliance partner lounges
• Free checked bags and priority boarding
• Increased miles earned on United purchases
• Travel protections, including trip cancellation/interruption coverage

Best for: The United Club Infinite Card is best if you mostly fly United or other Star Alliance partners. It gives you a quiet space to recharge and helpful travel benefits for smoother flights.

3: Citi® / AAdvantage® Executive World Elite Mastercard®

If you often fly with American Airlines, the Citi AAdvantage® Executive Mastercard® provides full Admirals Club membership with access to over 50 American Airlines lounges worldwide. You’ll find quiet seating, complimentary snacks and drinks, Wi-Fi, and a calm environment to recharge before your flight.

To enter, just present your card, a same-day American Airlines boarding pass, and a valid ID. You can also bring up to two companions, which is ideal if you travel with family or friends.

With a $595 annual fee, you also get priority boarding, your first checked bag free, and bonus miles on American Airlines purchases.

Key travel benefits:

• Full Admirals Club membership, including guest access for up to two companions
• Priority boarding and first checked bag free
• Bonus AAdvantage miles on American Airlines purchases
• Travel protections, including trip delay and baggage coverage

Best for: If you fly American Airlines regularly, this card may help you enjoy consistent lounge access and perks that make your trips smoother.

Choosing the right card for you

Choosing a travel credit card is personal and depends on your travel patterns, your preferred airlines, and how much value you’ll actually get from airport lounge access. Here are a few questions to ask yourself before making a decision.

1. Where do you usually fly from, and what lounge networks are available there?
2. Do you stick to one airline or fly different ones?
3. How often do you travel and where to?
4. Will you want to bring other guests with you when you visit airport lounges?
5. Will you use the card’s other perks?
6. What’s your comfort level with annual fees?

The right credit card for you depends on your preferences and travel patterns—but it can help you rest, recharge, and arrive ready for what’s next. Whichever card you pick, having airport lounge access will make those long travel days much less stressful and more comfortable. 

FAQs

Can I access a lounge without a premium credit card?

Yes, many lounges sell day passes for around $60 to $80 per person. For frequent travelers, a credit card that includes lounge access can be more affordable over time.

Does my credit card’s lounge access get me into any lounge?

No, each card is connected to specific airport lounge networks. For example, a card with Priority Pass access won’t automatically let you into a Delta Sky Club. Before traveling, check your card’s benefits guide or the lounge network’s app to confirm which locations you can enter.

Can I bring a guest into a Priority Pass lounge with me?

Usually, yes. Guest policies vary by card. Some cards allow one or two complimentary guests, while others charge a small fee. If you often travel with family or friends, it’s worth checking this detail before you apply.

Which credit card offers the most airport lounge access worldwide?

The American Express Platinum card offers the most worldwide airport lounge access, including Priority Pass, Delta Sky Club, and exclusive access to Centurion Lounges.

You’ve made it through check-in, breezed past security, and finally reached your gate only to hear the phrase every traveler fears: “That bag’s too big.” 

If you’re new to flying in the US, you’re not alone in feeling confused. Every airline seems to play by its own rules. Some are relaxed, others strict—and suddenly, you’re wondering if your trusty suitcase from home even counts as a carry-on here.

At Remitly, we understand what it’s like to adjust to new systems and expectations. Many of us have been in your shoes—standing in front of an airline’s luggage-sizer box and silently praying our bag fits. That’s why we’ve put together this guide to make your travel a little less stressful.

What is the standard size for carry-on luggage?

For most US airlines, the standard carry-on size is 22 x 14 x 9 inches (56 x 36 x 23 cm)—including wheels and handles. But not every airline follows it exactly. Smaller planes, especially on short routes, have tighter overhead bins, and budget airlines often use slightly smaller measurements to encourage passengers to check their bags before arriving at the airport.

If you’ve ever traveled internationally, you might also notice that carry-on limits in the US tend to be a bit different in size and less strict on weight. It’s the opposite of many international airlines, which often weigh your carry-on before you board.

Airline carry-on luggage size guide

If there’s one thing that’s important for all travelers to know, it’s that every airline is different. So, whatever is “carry-on approved” for Delta might not pass for another airline, such as Air Canada. 

Airline	Carry-on dimensions (inches)	Personal item (inches)	Weight limit (pounds)	Notes
American Airlines	22 x 14 x 9	18 x 14 x 8	None	Includes wheels and handles
Delta Air Lines	22 x 14 x 9	18 x 14 x 8	None	No strict weight rule
United Airlines	22 x 14 x 9	17 x 10 x 9	None	Basic Economy = personal item only
Southwest Airlines	24 x 16 x 10	16.25 x 13.5 x 8	None	Most generous size in the US
Alaska Airlines	22 x 14 x 9	17 x 11 x 9	None	Includes wheels and handles
JetBlue	22 x 14 x 9	17 x 13 x 8	None	Blue Basic = personal item only
Spirit Airlines	22 x 18 x 10 (paid)	18 x 14 x 8 (free)	40	Strict enforcement
Frontier Airlines	24 x 16 x 10 (paid)	18 x 14 x 8 (free)	35	Charges for carry-ons
British Airways	22 x 18 x 10	16 x 12 x 6	51	International flights
Air Canada	21.5 x 15.5 x 9	17 x 13 x 6	22	Slightly smaller
Emirates	22 x 15 x 8	15 x 11 x 6	15	Strict weight limits

Why budget airlines have different rules

Budget airlines operate differently from traditional carriers. They keep ticket prices low by charging separately for extras like carry-on bags, seat selection, and even snacks. But this model also means they’re often stricter about bag sizes.

Even if your suitcase looks compact, it might need to fit exactly into a metal luggage-sizer at the gate—and if it doesn’t, you may be required to check it for an added fee.

Carry-on rules for newcomers flying in the US

If you’ve just started flying within the US, you might notice a few differences compared to international travel—especially when it comes to airport security.

TSA’s famous 3-1-1 rule for liquids

The Transportation Security Administration (TSA) establishes airport security rules nationwide. One of the most important ones to remember is the 3-1-1 rule for liquids, including items like lotion, toothpaste, and even hair gel:

• 3.4 ounces (100 ml) or less per container
• All bottles must fit in one quart-sized clear bag
• One bag per passenger

If you travel often, it may be worth signing up for TSA PreCheck. This program allows you to skip some of the usual screening steps—like removing shoes, belts, or laptops—and enjoy shorter lines at security. Once you’ve used it, it’s hard to go back.

The reality of Basic Economy

Some low-cost fares—especially with airlines like United or JetBlue—don’t include a carry-on bag. In these cases, you’re only allowed one small personal item that fits under the seat in front of you.

Once you learn how each airline defines “carry-on,” it quickly becomes second nature. I found out the hard way when my usual suitcase was tagged at the gate for an unexpected fee. Now, I always double-check the fine print before booking.

How to prepare your carry-on

Before you start packing, take a few minutes to double-check that your bag meets airline size limits.

Measuring your carry-on correctly

Set your suitcase upright and measure from the floor to the top of the handle when retracted. Then measure across the front (widest part), and front-to-back—including wheels and handles.

Even being half an inch over can cause problems at the gate. A small luggage tape measure or travel scale is worth keeping on hand, especially if you fly often. It takes the guesswork out of packing.

What actually fits inside a carry-on

You’d be surprised how much a carry-on can hold. With smart packing, a week’s worth of clothes is totally doable. Most travelers can fit:

• A couple of pairs of pants
• A few shirts or tops
• A light sweater or jacket
• One pair of shoes
• Toiletries and essentials

Rolling your clothes instead of folding helps save space and reduces wrinkles.

If you’re flying home to see family or traveling between states, focus on mix-and-match pieces. Lightweight fabrics and neutral colors go a long way. And to free up space, wear your bulkiest items—like sneakers or a jacket—on the plane.

Smart packing tips for stress-free travel

Packing is part art, part survival skill—especially if you have a tight connection or a long layover. A few smart habits can make your travel day smoother and less stressful.

Preparing for TSA

Airport security might never be the highlight of your trip, but it doesn’t have to be a headache. Keep liquids and electronics near the top of your bag so they’re easy to remove at screening. And skip wrapping gifts—TSA may need to open them, and no one wants to rewrap at the gate.

Comfort matters, too. Slip-on shoes, soft layers, and minimal metal accessories will help you breeze through checkpoints. TSA agents assist travelers every day, so don’t hesitate to ask questions if you’re unsure about what’s allowed.

Keeping essentials handy

Experienced travelers know the value of having key items within reach. Keep your passport, ID, phone charger, medication, and travel documents in a spot you can access easily—like a small crossbody bag or belt pouch.

A few comfort items go a long way, too. Pack a refillable water bottle, a snack, and maybe a travel pillow for long layovers. If you’ve ever been hungry mid-flight with no options in sight, you know: a granola bar can feel like gold.

Staying organized on the go

After a few days on the road, your carry-on can start to feel chaotic. Take a minute each night to repack, so your essentials stay easy to reach and your final travel day goes more smoothly. If your flight is delayed, you’ll be glad you did—you’ll be able to grab your toothbrush, headphones, or a clean shirt without digging through everything at the airport.

Sustainable and minimalist travel tips

Traveling light isn’t just convenient—it’s also better for the planet. Reusable water bottles, solid shampoo bars, and compact toiletry kits reduce waste while making TSA screening quicker, too.

A great option is to try a capsule wardrobe: a few versatile, mix-and-match pieces that keep your outfits simple but polished. You’ll pack less, carry lighter, and spend less time deciding what to wear.

If you’re buying new luggage, look into sustainable brands that use recycled materials and offer repair programs. And remember: the lighter your bag, the less fuel the plane uses overall. Small, mindful choices make a difference—especially when millions of travelers are making them together.

Choosing the right luggage

The perfect carry-on isn’t just about size—it’s about how you travel.

Finding the right carry-on for your needs

If you prefer flexibility, go for a soft-shell bag. They’re more forgiving in tight overhead bins. Hard-shell cases offer better protection for electronics and souvenirs, but they don’t flex as easily when space is limited.

If you fly often, durability matters more than style. Look for spinner wheels, sturdy zippers, and a solid handle. Brands like Travelpro (a favorite of flight crews) are known for reliability, while Away and Monos offer sleek designs and lifetime warranties.

How to avoid luggage fees

Many airlines charge less if you prepay for bags online—paying at the airport is usually more expensive. In some cases, upgrading from Basic Economy to a regular fare costs less than paying for a carry-on separately.

And if you’re great at packing light, you might be able to skip the carry-on fee entirely by traveling with just a personal item—like a small backpack or duffel that fits under the seat.

Traveling with kids or family

Flying with little ones can be a challenge—but it’s absolutely doable. Most airlines allow parents to bring diaper bags and strollers for free, and families with young children typically board early.

Giving each child a small backpack with snacks and activities keeps them entertained—and gives you a bit of breathing room. If your kids are old enough, let them help with packing! It teaches independence and avoids the urge to overpack “just in case.”

Flying internationally to visit family? Be sure to check baggage limits if you plan to bring gifts.

Travel with confidence

Travel can feel unpredictable—especially in a new country. But with the right information and a little preparation, every trip becomes smoother and less stressful.

Whether you’re catching your first flight in the US, heading home to see loved ones, or exploring somewhere new, knowing your carry-on luggage size helps everything go more smoothly.

At Remitly, we’re here to help make life abroad easier—from managing your money to helping you feel confident, wherever you go.

FAQs

What happens if my carry-on is too big?

If your bag doesn’t fit in the airline’s sizer, you’ll likely need to check it—and pay an extra fee, especially if you’re at the gate.

What’s the difference between a carry-on and a personal item?

A carry-on goes in the overhead bin, while a personal item—like a small backpack or handbag—must fit under the seat in front of you.

Does a backpack count as a carry-on?

It depends on the size. Smaller backpacks usually count as personal items. Larger ones are often considered carry-ons.

Do wheels and handles count in measurements?

Yes—always include wheels, handles, and any outer pockets when measuring your carry-on.

Is there a weight limit for carry-ons?

Most US airlines don’t have weight limits for carry-ons, but international and budget airlines often do—typically between 15–22 lbs (7–10 kg).

You’re standing in the grocery store checkout line, packing your bags as the cashier rings everything up. And that’s when you realize: this is a lot more expensive than it used to be. Between inflation, changing eating habits, and the rising cost of essentials, the average grocery cost per month has skyrocketed in recent years.

At Remitly, we know how much anxiety such price hikes can cause. Not only does it eat into your household budget, but it also raises the question of how much you should actually be spending on groceries every month. In this guide, we’ll break down what your food costs should be, different factors that could affect the bill, and tips that could save you money every month.

Let’s break it down.

What’s the average grocery cost per month in America?

The amount Americans spend on groceries varies widely, but national data gives us a good starting point. According to the US Bureau of Labor Statistics, the average household spends about $831 USD per month on food, which works out to about $9,970 USD per year.

But this figure changes quite significantly depending on various factors, such as household size. A single-person household will spend roughly $792 USD monthly, less than the average grocery bill for a family of four, which is at least $933 USD for the same period.

How US grocery prices have evolved over time

In most of the US, food costs have soared by as much as 30% over the past five years. This means that, even if your grocery habits haven’t changed at all, you’ll be spending noticeably more on groceries than you used to. For example, a cart worth $100 USD in 2020 will cost you $130 USD now.

Experts predict that prices will continue to rise in 2025 and 2026, especially for staples like milk, sugar, beef, and pork. However, the cost of eggs, poultry, and cooking oil is expected to decrease, while fresh vegetable prices will remain constant.

Factors that affect your monthly grocery budget

Grocery costs in the US don’t just exist in isolation; several factors can influence your monthly spending at the checkout line. While some of these are outside of your control, working around a few could help you save a bit of money.

Location matters

Where you live has a significant impact on your food costs, with hubs like New York and California being noticeably more expensive than, for example, somewhere in Mississippi or the Midwest. Larger cities tend to have higher costs overall, and this is especially clear when it comes to groceries.

Prices will generally vary depending on whether you’re in an urban, suburban, or rural area.

Type of area	Typical grocery cost trend
Urban	10–20% above the national average
Suburban	Comparable to the national average
Rural	5–15% below the national average

Naturally, living in major cities means you’ll have to allocate more to your monthly grocery budget.

Income and lifestyle choices

Your income level also shapes how you shop. Higher-income households often spend more on groceries and dining out, not necessarily because they eat more, but because they pick premium or specialty products to buy. These include organic produce, high-quality meat, and imported goods.

Then, there are dietary requirements and other lifestyle factors. For instance, someone with celiac disease will need to replace standard foods with gluten-free options, and those tend to be more pricey. The same can be said for vegans, vegetarians, and people on low-sodium diets, among others, who often have to choose alternatives that cost more..

Family size and age demographics

Larger families will spend more on groceries than smaller households would—after all, there are more people to shop for. Buying in bulk is a reliable way to lower the cost per person, but you’ll still need to keep your family’s demographics in mind when preparing your shopping list.

• Feeding teenagers costs more than feeding toddlers, as they require a higher calorie intake. 
• Young children typically eat and snack more frequently throughout the day, which means you’ll have to buy more groceries. Some might be picky eaters, so you might have to hunt down unique—and often more expensive—items.
• Are there any older people in the household? They may need supplements or other specialized products to stay healthy, which can drive up the grocery bill more than you might expect.

Smart strategies to lower your grocery spending per month

The good news about all of this? You can lower your monthly grocery budget without needing to give up on healthy and nutritious meals. With a few smart habits, you and your family can still eat well without constantly worrying about how much it all costs.

Meal planning and preparation

If you want to cut your grocery expenses and take greater control over your food choices, meal planning is one of the most effective ways to do so. It’s quick and easy, and you need to put in just a little time. Here’s how you can get started:

• Plan weekly meals around what’s on sale or in season.
• Create a shopping list based on that menu—and stick to it.
• Batch-cook dishes like soups, casseroles, or stir-fries that can stretch across several meals. Here are some simple recipes you can try today.
• Use your freezer to store leftovers you can reheat later, reducing food waste.

Setting your menu in advance will significantly impact your weekly or monthly grocery budget. The average American wastes up to $1,500 USD on uneaten food every year, and meal planning is a practical way to cut down on that. It also ensures you’ll spend less without affecting the quality or healthiness of your meals.

Shopping tactics that work

How you shop can also affect your grocery bill. Some habits, such as using a shopping list, will help you save money and avoid impulse purchases.

Beyond that, several other smart shopping tactics stand out:

• Compare unit prices, such as cost per ounce or per pound, to find the best deals.
• Buy store brands instead of name brands, as they’re more affordable and taste almost identical.
• Shop once a week to save on fuel costs while avoiding the temptation to buy more.
• Use cashback apps like Fetch, Ibotta, and Rakuten for extra savings and rewards.
• Consult a food budget calculator to get an idea of your expenses ahead of time.
• Look for discounted items whenever you can.
• Shop at multiple stores to take advantage of more deals on essential items.
• Stack coupons as much as possible, especially when you can apply them alongside discounts.

If your local grocery stores offer loyalty or rewards programs, these can be worth signing up for. They might not guarantee immediate savings, but the benefits will accumulate over time.

Budget-friendly food swaps

Replacing a few of the expensive items on your shopping list can significantly cut grocery costs without compromising the nutritional value of your meals. However, the trick is to find alternatives that are both healthy and affordable.

Swap this	For this	Why it works
Beef or steak	Ground turkey or lentils	High protein, lower cost
Fresh, out-of-season berries	Frozen berries	Nutritious and longer-lasting, lower price
Packaged snacks	Homemade popcorn or nuts	Cheaper and healthier
Bottled drinks	Filtered tap water	Virtually free
Brand-name pantry staples	Store brands	Similar taste, lower cost

The more of these food swaps you make, the less you’ll spend on food every month.

Setting a realistic grocery budget for your household

Budgets are a great way to stay in control of your spending, but you must set realistic goals to ensure you stick to the plan. There isn’t exactly a one-size-fits-all approach to this process, but a few easy tips and tricks can help you create your ideal grocery budget.

The 50/30/20 rule is a great starting point. It encourages spending 50% of your income on essentials like groceries, rent, and utilities; 30% on your wants; and 20% on savings and paying off any debts. However, your food budget should take up 10–15% of your take-home pay. 

A quick way to estimate your grocery budget is to multiply your income by 0.10. If your household earns $2,500 USD per month, this works out to approximately $250 USD for food. The calculation provides a basic target goal, and you can use budgeting apps to adjust the numbers according to your actual costs and spending habits.

Take control of your grocery budget today

Groceries are one of the biggest—and most flexible—parts of your household budget. By understanding the average grocery cost per month in the US and applying a few simple savings tips and strategies, you can slash your budget without sacrificing nutritious, healthy meals for you and your family

Start small with this: try planning one week’s meals, tracking your receipts, or swapping out a few high-cost ingredients. Over time, those small habits will add up to big savings—and a grocery budget that finally feels under control.

FAQs

How much should I spend on groceries per month for one person?

A grocery budget for a one-person household depends on several factors, from your budget to dietary needs. In general, you can expect to pay anywhere from $700–$800 USD a month, depending on your shopping and spending habits.

What percentage of my income should go to groceries?

Most financial experts recommend spending between 10% and 15% of your monthly income on groceries. If your costs are higher, review your meal planning and shopping habits to identify ways to lower expenses.

Are grocery costs higher now than they were five years ago?

Yes. Grocery prices have risen by about 30% over the past five years, according to the USDA. Some of the most significant increases have been in meat and poultry, dairy, fresh produce, and packaged snacks.

How can I reduce my average grocery cost per month without sacrificing nutrition?

You can eat well on a budget by cooking at home, focusing on whole foods like beans, buying seasonal products and store brands, and using meal planning apps to reduce waste. Affordable, nutrient-rich foods are worth it too, with eggs and bananas being prime examples.

Should I shop at multiple stores to save money on groceries?

It depends. Shopping at multiple stores can save you money if you know which items are cheaper at each location, but it could cost more in terms of gas and time.