Use Credit Cards to Save on Holiday Shopping

use credit cards
Save Money Using Credit Cards

The 2015 holiday shopping season is upon us, and that usually means one thing: Huge credit card bills come January. It seems that every year, consumers proclaim that this will be the year that they don’t overspend, or that they will use cash only, but inevitably for most of us, January brings with it a heaping helping of regret.

While using cash, shopping for deals, and sticking to a budget can save you money as you work your way down the holiday shopping list, so can using credit cards. Yes, you read that right: Using your plastic can actually save you money this holiday season, even more than that buy one, get one deal on ugly holiday sweaters. The key is to be strategic in how you use your cards, and to understand all of the benefits that come with your account.

1. Credit Card Rewards

Credit card rewards are the most obvious way that you can save money on holiday shopping. If you’ve maximized your earning opportunities throughout the year on your travel rewards card, for example, you might be able to score a free plane ticket or hotel stay during your trip to Grandma’s.

However, free travel isn’t the only way that rewards can help you score a deal. Before you head out to the malls, check your account for any special offers you might qualify for. For example, many retailers offer cardholders an additional discount on purchases, or exclusive coupons. In most cases, these type of offers are tied to branded cards (a major credit card associated with the retailer) or store cards, but even some bank cards offer “shopping malls” via their websites that give cardholders free shipping or money-saving coupons if you use that portal.

Rewards from cash-back credit cards can also help reduce the cost of your gifts. If you’re planning to make a big-ticket purchase, such as a television or computer, using your card can give you a nice cash bonus. Just be sure to pay the balance in full right away, or the interest charges will negate the bonus.

2. Extended Warranties

Speaking of that big-ticket item, there is a good chance that when you make the purchase, you’ll be offered a protection plan or extended warranty. The cost of the plan depends on the value of the item, but before you add on the insurance, check your credit card terms. Many cards offer the same (or better) coverage for your purchase as an included benefit, so you don’t need to shell out the extra cash to protect your purchase.

Also, check your credit card details for extended return periods as well. While most stores offer an extended window for the return of unwanted holiday gifts, some credit cards extend that period. So if mom misses the deadline to return that ugly sweater, you aren’t always stuck with it.

interest free credit cards
Interest Free Credit Card Deals

3. Interest-Free Deals

Some credit cards offer cardholders promotional financing periods for large purchases during the holidays. For example, you might be able to score zero interest for six months on purchases over a certain amount. If you’re planning to make a large purchase, such an offer can save you some cash in the short term.

As long as you remember to pay the entire balance before the promotional period ends, you’re essentially paying the same as cash for the item without draining your checking account. Keep in mind that most of these offers will add accrued interest at the end of the promotion to any unpaid balance, which depending on your interest rate could be a hefty amount.

4. Purchase Replacement

You buy your son a new laptop — and it’s promptly stolen from his dorm room at school. You might think that you have to file a claim with you homeowners’ insurance to get a replacement, but some credit cards actually offer purchase replacement coverage if the item is lost or stolen for a covered reason. This is especially useful if you plan to do a lot of online shopping during the holidays.

Thieves are known to troll neighborhoods looking for packages to steal, and in most cases, the delivery company or USPS is not liable if the package is stolen after delivery. Making your purchases with a card that offers replacement coverage can give you peace of mind, and prevent you from having to replace stolen items out of your own pocket.

Setting a budget, making lists, and avoiding impulse purchases can all go a long way toward curbing the shocking January credit card bill. But before you leave your card at home, check your benefits. You might find that using plastic is actually the smarter financial move.

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mybody BRIGHTAMIN C Vitamin C Age Repair Serum

Give your skin the radiant glow you desire with quality skincare you deserve. Radical Vitamin C provides your complexion with a radiant, soft glow while providing it with the utmost protection.

Best known for its anti-aging properties, this skin care product can be used on any skin type, including acne prone and sensitive skin.

When you use this quality skincare product on your face and neck, you help your skin create higher collagen levels which is what helps your skin stay flexible and resilient, even as you age. In addition, this quality repair serum helps to fight the most unpleasant signs of aging, including fine lines, wrinkles and photodamage. This form of Vitamin C is easily absorbed and gentle on the skin, leaving it soft, beautiful and glowing, just as in your younger years.

Vitamin C is a powerhouse antioxidant that provides a wealth of benefits when applied topically. Brightamin C doses the skin with the most advanced form of this anti aging superhero known as magnesium ascorbyl phosphate.

This advanced formula allows rapid delivery of this collagen booster into the skin, along with supporting brightening agents to bring clarity and enhanced tone. What we see is a dramatic decrease in lines and wrinkles, fading of unwanted pigment, increased DNA protection, and a dramatic reduction of inflammation.

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Make a Great Escape with a Specialty Room for You

(Family Features) It has been said that distance makes the heart grow fonder. When the demands of life make it tough to get away, you can actually find your escape closer to home – right in your home, even – by carving out a corner to create a retreat just for you.

A room dedicated to you and all of your hobbies or personal interests can serve as a welcome escape from the real world if only for a little while. These tips make it simple to get started planning your big escape with ideas centered on some of the most common specialty rooms, as well as a solution for fitting the ideas into a smaller home.

Create a space for crafts. If you find your frazzled senses defraying with a little threading therapy, look to create a space that celebrates this pastime. With the rise in popularity of websites such as Pinterest, which feature a plethora of DIY ideas, you’ll have ample opportunity to distract your mind and busy your hands.

A room designed to let you explore your crafty side can help prevent the kitchen or dining room table from becoming a creative center or wrapping station around the holidays, and allows those areas to remain dedicated to family, food and friendship. It doesn’t have to be just for crafts, though. It can also be a place to settle down with a good book and just relax.

Keep your space clutter-free and ready to enjoy with a craft room such as those designed by Wellborn Cabinet, Inc., which can feature spacious storage and expansive countertops, providing ample space to create projects that help decorate both the interior and exterior of the home, or simply to unwind and relieve stress.

Don’t dismiss cars, bars and sports. If a room free of frou-frou decor where you can just unwind is more your ticket, a man cave may be just the answer. Man caves come in all shapes and sizes, from rowdy dens for sports fanatics to workshops decked out with the tools of your trade.

Even if decorating isn’t your thing, look for ways to make the place your own, whether you display trophies from your hunting excursions or decor emblazoned with the logos of your favorite sports teams. This is the room that allows you to relish in the hobbies you enjoy most.

If there isn’t a spare room or basement available, the garage can serve as a good alternative. With specific spots for tools and lawn care products – or even that car or motorcycle collection – the garage can meet the same needs as a more traditional man cave.

When two rooms become one. Whether space limitations prohibit separate quarters, or you simply prefer to share your hobby time with a partner, you can create a specialty room that accommodates both your interests with a little creativity and planning. Working as a team, you can find the right accessories and storage to design a getaway for two. For example, a creative room from Wellborn Cabinet, Inc. offers more than 600 door styles, wood types and combinations. The result is a chance to combine two rooms, such as the man cave and craft room, for a sanctuary you can build and enjoy together.

Accessorize Your Personal Space

If creating a space all your own feels like a daunting project, these clever tips from the experts at Wellborn Cabinet, Inc. will help get you closer to a room you can get ready to enjoy:

  • Charging Solutions: Install a charging station in a drawer for phones or other handheld devices. Power and docking stations can easily hide devices and ports yet keep them readily accessible.
  • Accessory Racks and Holders: Hooks for tools or coats keep them off of other furniture, including countertops where they can pile up and detract from your workspace. Cubby inserts and baskets help keep your things organized on shelves.
  • Sliding Shelves: Sliding shelves, drawers and baskets let you organize tools or crafting accessories while providing easy access to the items you’ve tucked away.

Find more inspiration for personal spaces and tools to maximize your space and storage at

Wellborn Cabinet, Inc.

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Points to remember while choosing your false eyebrows

If you are someone who has very thin or light eyebrows or has been experiencing hair loss from the brows, then it is natural to look for ways to make them appear denser. Besides using eyebrow pencil and considering the procedure of cosmetic eyebrow enhancement, an option which is gaining immense popularity these days is that of false eyebrows. False or artificial eyebrows are basically semi permanent eyebrows that can be attached to the brow line via a product to make the eyebrow line appear denser and in better shape. This is a great solution but it is important to keep certain points in mind when choosing false eyebrows. The following are a few tips and suggestions for buying artificial eyebrows:

  • Brand/reputation

There are many companies that are launching or manufacturing artificial eyebrows but it is important to do your research to find out which is the best of the available brand options. It is important to buy artificial eyebrows of a reliable brand like WUNDERBROW so that you can enjoy a side-effect free experience and false eyebrows which look natural.

  • Color

Another thing that you might want to consider when choosing false eyebrows is the color of the product. It is best to choose a colorclosest to the color of your existing brow hair or scalp hair. This way there won’t be any risk of going wrong with the shade and it will look like your own natural hair.

  • Method of attachment

Different false eyebrow products use different methods of attachment to create a bond between false brows and real hair. It is important to go for a method which is the most convenient, easiest and also the strongest. WUNDER BROW makes use of gel to create this bond and this glue is strong enough to maintain the attachment for up to 3 days.

  • Material used

Though some false eyebrow products use artificial materials, WUNDERBROW make use of real keratin protein to create the hair like fibers. It is always advisable to go for something which looks as natural as possible and matches the texture of your real hair. This is important because you don’t really want anyone to know that you are wearing false brows and want them to appear as real as possible.

  • Cost

Starting from a few dollars, false eyebrow products can even go on to high amounts of few hundred dollars. But it is best to go for an option which is within your budget and is not too costly for you. Hence you must always check the cost of the artificial eyebrows before buying one for yourself.

WUNDERBROW is an extremely effective example of false eyebrows. It is made using 100% safe materials and is proven to make thin brow lines appear denser. It is easy to use, easy to remove and does not come off through water, wind, touch or rubbing. The product is tagged at a reasonable price and will surely fall within your budget.

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Younger Looking Skin With myHero Youth Serum

The search for the mythical Fountain of Youth has been around for thousands of years. mybody’s myHERO Multivitamin Youth Serum is a modern day “fountain of youth” for your skin. MyHERO is a powerful, multi‑tasking, all‑in‑one product that contains every mybody technology in a single use product.

It contains smart retinoids, anti‑oxidants, growth factor peptides, anti‑inflammatories, brightening agents, and skin hydrating acids. Quite literally the hero in mybody’s arsenal, it focuses on eliminating all visible signs of aging. MyHERO rapidly reduces fine lines and wrinkles, smooths rough skin and balances unwanted pigmentation. To get your own “fountain of youth” visit us online at

Man: MyHERO Serum is a powerful, multi‑tasking, all‑in‑one product that contains every mybody technology in a single use product. A therapeutic multivitamin for the skin with smart retinoids, anti‑oxidants, growth factor peptides, anti‑inflammatories, brightening agents, and skin hydrating acids. It targets all visible signs of aging, rapidly reducing fine lines and wrinkles, rough textured skin, and unwanted pigmentation. The true hero in mybody arsenal.

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80-Year Old Becomes Oldest to Paddle the Mississippi Source-to-Sea

Way back in May of this year, I wrote about Dale Sanders, an 80-year old adventurer who was planning to paddle the length of the Mississippi River from source to sea. Dale was using his epic journey as a way to raise awareness and funds to fight type 1 juvenile diabetes – something his great niece suffers from – and he was inspired by the likes of Dave Cornthwaite, who he assisted on his…

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Must-Do’s For Outstanding Essay Writing

In your college courses, you’ll likely be graded in many ways: on tests, papers, and class participation. High school education continues to move away from tests with one word answers and towards students having to come up with paragraph or even full essay answers.

If you’re struggling with writing papers, here are 5 tips will significantly increase your essay marks

learning how to write essays
Proper Essay Writing Can Improve Your Grades

Essay writing is definitely a learnable skill, but not necessarily a straight forward one for a lot of students.


Each and every essay must be written in different paragraphs so that it becomes easy to read and is easily understandable. So always break down the essay into different sections so that an essay flows in a logical and proper manner, provides you with of essay, which are written by professionally skilled writers and helps you to improve your grades.

essay structure
Proper Essay Structure


Not only does the essay as a whole need structure, each paragraph needs to meet certain requirements.

Proper statement, this is the main point of a paragraph, proper explanation needs to be given , necessary examples must always form a part of your essay this way it becomes easy to understand and mark the important points and also describe why they are important.

proper paragraph structure
Proper Paragraph Structure


You need to make a plan in everything you do, be at a road trip or anything we never go without a map on a road trip , now that is our plan same in the case of essays . When we plan our essay accordingly, then it becomes too easy to structure your essay and it prevents you from forgetting          to include any important points, which are very important for your essay.


Revise and edit is must for every essay, you must thoroughly go through your essay , read it loud so that it becomes very easy to figure out what are the mistakes if any , one must check that the paragraphs are written in a logical order. Simply put – does the essay make sense?


We all know that practice makes a man perfect, make sure that you include practicing essays as a part of your schedule during your examination especially, so that you will be to able to score well.

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Nat Geo Follows the Trail of the Illegal Ivory Trade

Last week I posted a video that gave us an inside look at the efforts of poachers in Africa to get their hands on elephant tusks which are then sold on the black market. This trade has risen to such heights in recent years, that it now threatens the wild elephant population, which could go extinct in our lifetimes. Now, National Geographic has followed that video up with an interactive online…

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Summer Climbs 2015: An Update From Gasherbrum I

The Czech team climbing Gasherbrum I in Pakistan still hasn’t wrapped up its expedition, but they aren’t ready to quite give up yet either. The two climbers –  Marek Holecek and Tomas Petrecek – continue to wait patiently for a chance to summit, as the weather has prevented them from making much progress over the past few days. But there is a potential window in sight, and the duo are…

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