Credit cards are a great asset when it comes to taking care of expenses. They are especially helpful in times of emergency where you could just swipe them and pay the bills. But they can also be harmful if you misuse them. Let us take a look at some of the most common credit card mistakes that most people make: Ignoring the Statement Quite often, people come across transactions in their inaccurate billing statements. To rectify this, they should detect this at the early stages of the transaction to take action against fraud transactions. This is why you need to keep checking your transactions regularly to make sure everything is accurate. Skipping a Payment Missing payments negatively affects credit score. If your payment date crosses the 30-day mark, then your credit score could take a 17 to 83-point hit. It gets worse when the date crosses the 90-day mark, as your score could take a whopping 133-point hit. Clearing the payment before 30 days would not affect your credit score.  Misusing Your Credit Card There are a lot of people who max out their credit cards. This is something you should refrain from doing, as keeping your utilization rate high could also cause a fall in your credit score.

Your credit score is a vital component of financial health. A lower credit score can impact your chances of getting good interest rates while borrowing. Keeping this concern in mind, here are 5 key tips to improve a bad credit score. Enter Payment Dates in Your Calendar Late payments can negatively impact your credit score. So, avoid this by setting up reminders for paying your bills on time. Paying your bills on time even for a few months could take your credit score up considerably. Inspect Your Credit Report Your credit report holds your credit score. Now, these credit reports could have discrepancies or old information that need to be updated. So, make sure to ask for a copy of your credit report at any other credit bureaus so that you can spot mistakes and get them rectified.  Avoid Closing Older Cards You might have an old credit card that you might hardly or never use. Yet, even an unused credit card is marked in your credit report. So, avoid closing down any unused credit cards if possible, as doing so while negatively affect your credit score. This is one of the simplest tips to avoid getting a bad credit score.

Going out to pubs with your friends for drinks over the weekend can make a serious dent in your earnings. While not all establishments are overpriced, one drink never seems to be enough. As a result, before you know it, you might have racked up quite a tab. So, what is the best way to spend less yet enjoy fun cocktails, you may ask? Why not make them at home? Buying everything you need in bulk and experimenting with recipes at home is undoubtedly a more pocket-friendly option for those who don’t mind mixing their own drinks. You can check out these easy cocktail recipes for beginners and whip up a mean cosmopolitan just the way the barman does at your favorite hangout. Cosmopolitan It is one of the simplest and most commonly ordered cocktails. Serve it in that fancy glass they use at the pub, and voila! You’ve got yourself a nice sweet and sour cocktail. Made with vodka, cranberry, citrus, and orange liqueur, this explosive party in your mouth will keep you in high spirits. See what we did there? Go online to check out the exact measurements to make this cocktail. Every recipe has a unique twist.

As the style season changes, there are many ways that you can instantly spice up any look with the right fashion trend or hack to make it an instant winner. Simple additions like laying in bold statement pieces like intriguing jewelry, bold scarves, trendy belts, or statement shoes can change up any outfit. You can use these trends to jazz up outfits from prior seasons or take outfits from day to night. Here are a few simple ways you can really take your sense of style to the next level: 1. Invest in bold accessories to make outfits pop When you use accessories to polish a look, you can completely change the look’s impact and fashion level. By investing in the trendiest accessories of the season, you can immediately make an outfit that you may have bought three years ago look like this season’s top style. If you tend to wear basic blacks and grays, try adding some bold colors in acessores like tights, belts, scarves, shoes and handbags to add some versatility to your wardrobe. 2. Get trendy with basic dress silhouettes Dress trends are bold, beautiful, and daring right now. You can make a statement anywhere you go by wearing an A-line or little black dress (LDB) style with puffed sleeves, minidresses with a wrap-effect, dresses with cutouts, smock dresses, or dresses with soft ruffle trim.

Many people consider joining the military because they want a stable career with opportunities for advancement through its promotion structure and medical, dental, and retirement benefits. Military people enjoy so many benefits. While these benefits sound great, it’s important to recognize many requirements to join the military. This guide will walk you through the many requirements to meet in order to join the U.S. military. The military does perform background checks on potential recruits and may disqualify candidates for offenses that include, but are not limited to: 1. Job skills The job skills required to join the United States military are reading comprehension, writing skills, and physical fitness. A soldier must be able to read and write effectively in English. This is important because they need to understand orders, reports, communications, and documents. 2. Education Military recruits must have a high school diploma before enlisting. The jobs available within the armed forces are becoming more technologically advanced, and a higher level of education is needed to master these jobs. Many military careers involve learning technical skills, which require a solid foundation in math and science. 3. Overall good health Can you join the military with diabetes? Can you join the military with psoriasis?