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The Benefits of a Hardship Plan

If youre buried in credit card debt, theres a reasonable solution that your credit card company may allow you to use, but only if you ask about it.A hardship plan, also known as a credit card payment plan, can help dig you out of debt and ultimately improve your credit score. A hardship plan can also save you money in interest payments and reduce your monthly credit card bill.Dont be scared if you...

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5 Tips for Making Health Savings Accounts Work for You

Putting money in a Health Savings Account, or HSA, can help you and your family pay for health expenses now and in the future, while giving you a tax break for your contributions.HSAs have been around since 2003 to help people with high-deductible health plans, but they can still be confusing. Here are some tips on how they work:1. You dont have to spend it all now. HSAs differ from flexible-spend...

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5 Steps to Keep Your Smart Home Safe

Ensure that your smart home is safe from potential threats with these steps.Create a Separate NetworkHave a separate wifi network for your smart devices to run on, which can be done without having to purchase an additional router.Review Privacy SettingsDo research to get a better sense of what the manufacturer or service provider has access to.Change Default PasswordsWhen you get a new smart produ...

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How to Organize Your Attic

An attic can be an ideal storage space, but if it’s not organized, it can turn into a total mess. If you’ve lived in your house for several years, chances are your attic has gotten cluttered and could use some organizing.Get HelpIf the job is too big for you to handle yourself, ask family or friends to help. Talk about what you want to keep and what you want to get rid of and discuss ways to o...

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Credit Card Habits Your Kids Can Take to College

Starting college is full of all kinds of new experiences. Students are left on their own for probably the first time in their lives, and it can be daunting.Using a credit card can be one of those “firsts,” and parents can help by explaining how credit cards work and instilling good financial habits in them. Here are some credit card habits students should learn before they get to college:Have ...

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How to Design an Upscale Wine Room

 Heres how to design the perfect wine room… Wherever you choose to store your wine, the key is to keep the space at 55 degrees Fahrenheit and about 70 percent humidity. From traditional wooden to contemporary stainless steel racks, there are countless display styles to choose from. You dont want your wine room to look empty, but youll also need space to make additions as you wait for each bo...

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4 Mantras to Make You Happy

Some days, keeping a smile on your face can be a struggle. Whether youre dealing with a stressful career, medical issues or just feeling weighed down by your daily routine, repeating positive mantras can help shift your mood"if youre open to it.Below are four helpful happy mantras to lift your mood.You can do it. Whether youre under a huge deadline for work or trying to finish that last mile on th...

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How to Keep Pests Out of the Kitchen

No matter how much of a critter lover you may be, pests in your kitchen is never fun. But many consumers are also disinclined to spread poison all over their culinary arena. Below are a handful of natural, poison-free ways to keep those creepy crawlies outside where they belong.Vinegar and oil. No, youre not making a salad dressing. By mixing water, vinegar and essential oil in a small spray bottl...

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