A credit card comes in very handy if you are short on cash at the moment. These financial instruments enable easy cashless transactions, but avoiding certain common credit card mistakes can save you from accumulating a huge debt or ending up with a poor credit score. You can get started by paying off your bills on time and spending judiciously. To know about more mistakes, read on. Using a credit card for perishables : Using your credit card to spend on perishables is a strict no-no, so don’t buy groceries or pay electricity bills with your credit card. You should use the card to spend on things you will still have with you when paying the bill at the end of the month. Taking a card to enjoy rewards or rebates is also not smart, as they might simply boost your spending habits. You may even end up paying for a rewards card that you do not use often. Keeping multiple cards : This is one of the biggest and most common credit card mistakes you can make. Remember that more cards imply more debt as credit cards will never supplement your original income, and tracking the bills can be a hassle, making you miss out on a payment.

A laptop has become a necessity these days, for various reasons ranging from working and designing to studying, surfing, or blogging. However, with a range of options, it may get overwhelming to pick the most suitable laptop if you want to buy one. While choosing a laptop to buy, apart from keeping your requirements in mind, you have to consider your budget and the features that a laptop offers against its price. Here, we bring you the top laptops you should check out in 2020: ASUS VivoBook S15 This laptop is considered to be among the top laptops in 2020 for a good reason. It comes with a 4GB RAM and massive storage of 256GB SSD and weighs just 1.8 kg. The 15.6-inch screen makes the laptop ideal for browsing, working as well as entertainment. Additionally, the Intel Core i5 processor ensures optimal performance. Dell XPS 13 The list of top laptops to check out in 2020 is incomplete without the Dell XPS 13, and many high-users consider it one of the best laptops owing to its powerful CPU of 1.8 GHz Intel Corei7 and a 16GB RAM. The 13.3-inch screen has a feature of UltraSharp Infinity Edge touch display, and the laptop has a pre-installed version of Windows 10 Home.

A savings account is a must for everyone who wants to store cash safely and access it easily when required. With a savings account, you can earn some interest on the money, but these accounts generally allow limited withdrawals and a minimum deposit. Here are some tips for optimizing a savings account so that you can add to your benefits over time: Decide what you want to save for:  Setting a goal is important if you want to save smart. For instance, you might want to take that much-awaited Europe trip, get the car of your dreams, or pay off a hefty student loan. So, zero in on a timeline and how much you will set aside every month to reach that goal to ensure constant cash flow to your account. This way, you will also get good interest over time. Choose an account with the highest interest rate : One of the most important tips for optimizing a savings account is choosing an account that offers the highest interest rate among all your options. Compare the features and offerings of savings accounts by multiple financial institutions before making a decision. The banks that invest your money in better options will reap more returns and pay you higher interest.

A low credit score can cause trouble getting a loan approved or while requesting for lowered interest rates. Low credit scores also negatively affect your financial stability over time, so here are some smart tips to improve a bad credit score and your financial standing: Pay your bills regularly:  One of the basic tips to improve a bad credit score is to pay your bills on time. You may have the money to pay your bills but forget the deadline and end up clearing the dues late, which affects your credit score. You can start by setting remainders for all your bill payment due dates to prevent late payments from affecting your credit score. Do not own many credit cards:  Some people end up getting multiple credit cards from different banks at the same time. This might be a result of the tempting offers or a misunderstanding that multiple credit cards improve financial standing. However, applying for multiple credit cards in a short period can cause your credit score to go for a toss as you are considered a risky debtor. Do not close your older credit card accounts:  One of the smart tips to improve a bad credit score is to keep your older credit card accounts active.

Approximately 70 percent of smokers in the country are trying to quit the habit, and the U.S. Food and Drug Administration has launched a campaign called “Every Try Counts” to promote abstinence from nicotine. Smoking leads to several health issues, including lung cancer, respiratory distress, vascular diseases, and infertility. So, here is a list of products to help one quit smoking for good and boost their overall health: Nicotine patches Nicotine patches are the most convenient products to help quit smoking for good. They steadily release a low dose of nicotine into the epidermal cells and help reduce cravings. These patches also prevent withdrawal symptoms like restlessness, frustration, and challenges with maintaining concentration. One can use the patch on their arm, chest, or back, and these patches help one quit the habit in 8-12 weeks with continuous use. Nicotine gum Similar to nicotine patches, nicotine gums aid in reducing the craving to smoke. These are available at local pharmacies, and one can start with a high dose and gradually lower it over time. Most products are available in 2 mg and 4 mg doses and release nicotine once chewed on. This nicotine is absorbed by the mucous cells in the mouth.