Credit cards offer an innovative payment solution where you can purchase products and book services in real time while paying for them later. A total balance of all expenditures accrues at the end of the billing cycle, where you can pay a minimum balance for the times when you are short on cash. But you need to use credit cards wisely as they can rack up significant bills that become too expensive to pay off.  Here are some common pitfalls you must avoid using credit cards. Making payment mistakes Having a credit card is tempting because you might not even notice the amount of debt that racks up with just a few swipes. But the bigger problem is not paying these debts on time. Yes, you do have the option of only paying the minimum balance so that the card doesn’t get canceled. But carrying over debt to the next payment cycle will only make it more difficult to ultimately pay the total dues. On top of it, you’ll end up paying interest on the unpaid portion. Even if there is a cash crunch, try paying off most of the bill so that no dues are pending. Also, missing your payment dates can greatly impact your credit score.  The bottom line, avoid paying only the minimum due and never miss a payment due date to stay clear of interest, late fees, and penalties. Not having clarity about the charges Credit cards carry fees for certain types of transactions. So, you need to know what the bank can charge. Typically, your credit card carries an annual fee that is chargeable in a single payment for account maintenance. Some banks waive off this fee as an exclusive perk for maintaining excellent credit scores. If you carry a balance month to month, be it for late or missed payments, banks will also charge an APR on purchases and payments.

Black Friday shoppers have always been drawn to the tech category, which saw a staggering increase of almost 221% in sales compared to previous years. With Black Friday 2023 approaching, it’s time to buckle up to grab one’s favorite tech product before they go out of stock. To know what to expect in the upcoming sale, it helps to look back at the top game-changing deals and discounts that were offered last year.  Smartphones Android, as well as Apple smartphones, have been on sale year after year with some irresistible deals on offer. With cutting-edge technology and sleek design, Apple iPhones have been the most sought-after tech products during the holiday sale period. Many major phone service providers offer trade-in deals with the overall price deducted, such as up to $800 off. Some service providers offer discounts as high as $500 off the retail price when shoppers sign up for their plans. From gift cards with the purchase to free Apple Watch or iPad, there are several amazing deals that shoppers have access to. Also, older refurbished iPhones go on sale through Apple stores. Known for reliable performance and high processing speeds, Android phones are a hit among buyers of every budget. All major Android phone brands go for sale during Black Friday. Last year saw some great free trade-in deals with unlimited data from several phone service providers. In addition, major retailers offered gift cards on phone purchases. Smartwatches Since their introduction in the tech market, these have been among the highest-selling gadgets during every sale season. Everyone from major brands to retailers has been offering some good discounts ranging between 10% to 15% on the retail price of smartwatches. Laptop Last year saw deals on laptops for every type of user. Here are some of the popular categories of laptops and the bargains that were offered by big retailers such as Amazon, Walmart, Target, Best Buy, B&H Photo, and Newegg.

Buying a smartphone is a task that demands thorough research of various brands and their respective specifications. However, once a customer has a clear understanding of their priorities, the next thing they look for is exciting deals on their dream products. And what better time to buy your favorite gadget than the upcoming Black Friday sale? As the shopping event is scheduled for November 24 this year, here are ten smartphone deals to expect. Near-stock Android When it comes to near-stock Android devices, there are many players in the market, including Google. Google Pixel 7 – The Pixel 7 is one of Google’s flagships and comes with a range of features loved by smartphone enthusiasts. The device has a 6.3-inch screen, uses the Google Tensor G2 processor, and has a variety of storage options to pick from. The phone is also water-resistant and runs on one of the most recent versions of Android. During the previous Black Friday sale, the price of this device dropped by $100.One can hope for similar price drops this year also. Google Pixel 7 Pro – For the ultimate flagship experience with stock Android, experts suggest the Google Pixel 7 Pro. The device also saw a price markdown of about $150 at last year’s sale. The device comes with features like adaptive battery technology that can last over 24 hours or about 72 hours when the Extreme Battery Saver is turned on. There’s also a VPN by Google One to help users protect their online activity when they browse the internet. iOS devices Those who desire an iOS device could check out what Apple has on offer this year. Last year, mobile carriers had some of the best offers on various iPhones, including the iPhone SE and iPhone 14. These networks offered credit between $100 and $1000 to customers who traded in their older device for a brand new one.

A cruise vacation can be exciting, with all kinds of onboard events to look forward to and a charming itinerary filled with nightlight, buffets, and the open seas. However, not every cruise package is created equal, and some trips on the sea can be underwhelming. So, it is important to do a little research before booking a cruise and choose top-rated options. Further, here are a few cruises to avoid for a hassle-free vacation: 1. Short cruises during spring break A cruise trip during spring break can seem ideal because of the perfect weather in places like the Caribbean. Even the ports are not too crowded, and one can take kids along during their school break. However, even college students get a break during this time and tend to book cruise trips. So, the cruise ship can get overwhelming and chaotic because of the noise and non-stop partying. Instead, one should book a cruise to the Caribbean during January if they want a more relaxing experience at the sea. If one must book one during spring break, they should look for less party-centric cruise lines. 2. First and last Alaska cruises of the season Destinations like Alaska are perfect spots for tourists because of the rainy weather and luscious green mountains they can experience. Here, cruises that sail in May and September are comparatively cheaper than June, July, and August packages. But for new travelers, this might not be the ideal cruise destination in May and September. This is because there is a high chance of experiencing bad weather during these months, with May being slightly colder and September bringing heavy rains in the region. It may also disappoint shoppers as the port shops at the beginning of the season are usually not fully stocked yet. Further, by September, these shops usually run out of prime goods and do not restock until next spring.

From managing finances to shopping on ecommerce sites and paying bills, individuals rely heavily on the Internet today to fulfill several essential daily activities. After all, a speedy internet connection is well classified among the most fundamental necessities in the present time. A reliable internet service provider offers a speedy internet connection and the flexibility to pick from various internet packages. Therefore, here are some mistakes to avoid for a seamless and reliable internet connection: Underestimating or overestimating one’s bandwidth requirements A common mistake when choosing an internet service provider is failing to understand one’s bandwidth requirements. For example, if multiple devices are connected to the Internet at once or one utilizes the Internet frequently for downloading files and watching streaming videos, one would require more bandwidth. In contrast, one can opt for more reasonable internet packages in case of fewer bandwidth needs or if one uses the Internet only for basic activities. Evaluating one’s bandwidth requirements can help choose a service provider with the ideal internet package. Not checking for hidden charges Checking for potential hidden charges while choosing an internet service provider is essential to minimize overhead expenses and understand where one’s money is being spent. Some common hidden charges levied by internet service providers include equipment rental charges, installation fees, and activation charges. Not researching the different Internet service providers Different internet service providers may offer different internet packages at various rates. The best bet is to be flexible about the internet service provider to opt for and research all the available options. Comparing the features of the packages offered by different providers vis-a-vis the prices can help one pick the most suitable provider based on one’s requirements and budget range. Failing to read the service-level agreement carefully Internet service providers provide a service-level agreement to describe the responsibilities of both parties, i.e., the service provider and the customer.

With the holiday season just around the corner, the excitement of finding the perfect stocking stuffers is growing. These small yet thoughtful gifts can add an extra layer of joy to Christmas celebrations. The key to selecting the right stocking stuffers is to strike a balance between thoughtfulness and practicality. There are many options to choose from, ranging from personalized trinkets to delicious gourmet treats. The following options are perfect to make this Christmas season memorable for everyone. Personalized trinkets Personalization elevates the charm of trinkets, turning them into cherished keepsakes. Consider engraved keychains with initials, creating a bespoke accessory with sentimental value. Personalized bookmarks featuring not just names but favorite quotes or significant dates turn a simple item into a meaningful token, perfectly suited for the holiday spirit. Scented candles Scented candles have the power to transform a space, making them an ideal stocking stuffer. Dive into the world of festive scents such as cinnamon, pine, or vanilla, each one carefully chosen to evoke the holiday spirit. These aromatic treasures not only provide a warm glow but also infuse the surroundings with the essence of the season, creating a cozy ambiance. Gourmet chocolates Indulging in gourmet chocolates is not just about satisfying your sweet tooth, it’s about experiencing a world of unique flavors. From sea salt caramel to dark chocolate raspberry and artisanal truffles, the carefully selected high-quality chocolates can transform a simple stocking stuffer into a luxurious delight, offering a moment of bliss with every bite. Warm and cozy socks Warm and fuzzy socks are more than just a practical accessory. They are a comforting addition to the holiday season. Opt for festive patterns like reindeer, snowflakes, or classic holiday colors. These socks not only provide warmth during chilly nights but also bring a touch of festive flair to every step, making them a beloved and practical stocking stuffer.

The Black Friday shopping season brings a lot of cheer and excitement to people looking to save on their purchases. During this time of the year, stores roll out splendid deals on gadgets, electronics, home furnishing, apparel, makeup, and more. It’s a brilliant opportunity to stock up on gifts and goodies for everyone. While the official deals have not been announced yet, shoppers can expect these 50 Black Friday sales in 2023. Electronics Insignia 65-inch F30 Series 4K UHD Smart Fire TV Looking for a smart TV with great specs but on a budget? This one from Insignia is a great buy. During the Black Friday sales, it’s expected to be marked down to as low as $379.99 (originally $549.99). It features Fire OS, 4K Ultra HD resolution, DTS Studio Sound, and an Alexa voice remote. Apple AirPods (2nd Gen) Looking for a new pair of earphones but don’t want to spend too much? The second generation of Apple AirPods is expected to sell for $99 (marked down from $159) this Black Friday. Apple AirPods Pro (2nd Gen) Customers may get $20 off the AirPods Pro. They provide improved sound quality, battery life, and noise cancellation. Originally $249, the device is expected to retail for $229.99 during the sale period. Lenovo IdeaPad 1i The Lenovo Ideapad 1i might be one of the cheapest laptops on the market around Black Friday. Usually priced at $249.99, it may be on sale for as low as $99.99, so everyone can fulfill their basic computing needs without breaking the bank. Oculus Quest 2 (128 GB) Black Friday bundle Black Friday might be the best time to pick up the Oculus Quest 2 VR headset. It’s expected to be on sale for $349.99 (down from $469.99) as a part of a bundle that includes games like Beat Saber and Resident Evil 4 VR.

For most people, it is next to impossible to get through the day without using smartphones at least a few times. You need to make calls, check updates on the go, and even use smart navigation systems on your phone. But some smartphone habits can severely hamper productivity, affect your health, and may make you overly dependent on the gadget. So, here are five smartphone habits to keep in check: Using an alarm app Using your phone as an alarm clock might seem completely harmless. After all, apps on the phone let you set multiple alarms. But it never stops at hitting the snooze or dismiss button once you wake up. You will be tempted to check your phone for messages and social media, which will delay getting out of bed. Opt for a conventional alarm clock and keep your phone away from you at night to avoid checking anything after getting up. Ignoring software updates Smartphone care is as important as learning how to use the device in moderation. Many people make the mistake of postponing crucial software updates and granting necessary application permissions. These habits make the device extremely vulnerable to cyber-attacks that can access confidential data. Always keep your phone updated to ensure the latest security updates are installed. Using your phone before bedtime Never use your phone right before going to sleep. There are two simple reasons why this is a really bad habit: First, it strains the eyes at night as smartphones emit blue light that can affect vision with extended exposure. Second, there is always the fear of missing out on social updates or content that you haven’t had the chance to check out yet. You may very well end up spending more than a couple of hours scrolling through an endless loop of audiovisual cues, not realizing how it affects your sleep cycle.

This year, Black Friday falls on November 25, but we suspect that offers will start to appear as early as late October. There were early Black Friday deals last year, and we anticipate the same thing this year. It is vital to take note of what you may need and make lists of the same because you best believe that stocks won’t last more than an hour at most. On that note, read on below. Best Buy You can always count on Best Buy to have the best technology products available. On November 25th, 2022, expect long lines and chaos, but don’t worry—Best Buy typically offers early Black Friday specials. Download their app and follow them on social media to stay up to date on their fantastic online bargains. You can find fantastic gift suggestions for smartphones, laptops, tablets, virtual reality equipment, video games, appliances, televisions, smart home advances, cameras, camcorders, and just about anything else. Visit a nearby Best Buy shop to find anything on your electronics wish list, whether you’re looking for the newest gadgets or the best specials and discounts. The most popular brands, such as Samsung, Microsoft, Sony, Intel, Nikon, Bose, Sonos, and many others, all have the latest products available. Walmart You’d think it is Black Friday every day at Walmart with their steep discounts! Online consumers will find special deals with their “Offers for Days” campaign starting on the first Thursday in November, and in-store shoppers will find deals starting on the first Friday in November. In comparison to all other stores, Walmart’s Black Friday sale attracts the most customers each year. The brand will have a ton of discounts on HDTVs, smart home gadgets, video games, and, of course, toys in 2022. Additionally, this year, they might be offering free delivery on all purchases along with their Black Friday specials!

Have you had enough of your old lumpy mattress and are looking to buy a new one? Then the best time to do so would be during the biggest holiday shopping day of the year, Black Friday. This article will explore some of the best deals on mattresses from last year’s Black Friday sales. Mattresses from top brands are available at the best deals. You might get the best at the most affordable rates. Nectar Mattresses (Memory Foam) This was available for $499 and $399 worth of gifts at Nectar Sleep. This mattress offers exceptional value. It also offers firm support, motion isolation, and the pressure relief you are looking for. It is usually priced at $799, but on Black Friday, it was available at the discounted prices mentioned above. Saatva Classic Mattress This was available for $887. You could save $250 when you spend $975 or more here. This supreme mattress is offered in two heights and three different firmness choices. Its luxury firm version offers excellent sleep and keeps you well-supported and cool at night. The DreamCloud Mattress This was available for $699, along with $399 worth of gifts. If you are thinking of buying a budget-friendly, comfortable mattress, then the mattresses from DreamCloud may be the best suited for you. It is a luxury firm mattress, 14 inches deep, and has five layers. To relieve pressure, it also comes with contouring gel memory foam. Cocoon Chill Memory Foam Mattress This was available at $499, along with $199 worth of gifts. It has effective and efficient temperature regulation features that distinguish it from rival mattresses. PlushBeds Botanical Bliss This was available for $1349 and $549 worth of gifts. The super durable natural latex mattresses from PlushBeds Botanicals come in three different heights and two firmness options. It also helps in regulating temperature and in relieving back pain.

Perfumes form a significant part of dressing up as they not only provide a pleasant fragrance but can also aid in boosting self-appeal and confidence. However, a fancy perfume with the best ingredients and a deep fragrance doesn’t come cheap. The Black Friday sale is the best time to buy these products as several discounts and deals are offered. Here are last year’s top 10 designer perfume deals that you can expect this year too. Coach Platinum This perfume combines fresh, sweet, complex, spicy, and attractive fragrances that make it irresistible. It has a woody touch with notes of amber, labdanum, sandalwood, and more. It is expected to be available at a discount of 50% during the Black Friday sale season. Yves Saint Laurent Black Opium Among the range of perfumes from this brand, this one has an attractive blend of orange blossom, black coffee accord, creamy vanilla, and more. It comes packed in attractive bottles, which makes it great for gifting. The product is expected to be available at a discount of 25% during the sale. Jimmy Choo Blossom Eau de Parfum Perfumes offered by this brand add a touch of elegance. The keynotes of this fragrance are citrus, sweet peas, and white musk. The perfume is known to evoke the fresh feeling that you would experience on a beautiful spring day. It is expected to be available at a discount of $18 on Ulta this Black Friday. Bond No.9 The range of perfumes offered by the brand is known to capture the essence and energy of New York City. The fragrances are known to be conventionally pleasant and unique. These fragrances come packed in star-shaped bottles that make them look attractive and perfect for gifting. The keynote of the fragrances is cedar wood, citrus, grapefruit, lily of the valley, spicy tea, and more.

You can always expect plenty of bargains before Black Friday and Cyber Monday. In recent years, it has become common for retailers to offer discounts well in advance of these dates. With Walmart, Best Buy, and Amazon really starting their “official” holiday sales in early to mid-November in 2021. So, get ready to do some major shopping and also keep an eye out for the numerous exciting deals that will come up. Walmart One of the most eagerly anticipated online sales on Cyber Monday is at Walmart. You can get significant savings on vacuums, small kitchen appliances, and other items. As soon as the Cyber Monday sales go live, we advise you to visit the Walmart website. The best deals are accessible at the start of the sale, with less advantageous offers being available throughout Cyber Week. On thousands of items, Walmart offers free 2-day delivery and free shipping on purchases of $35 or more. All purchases made by Walmart+ members receive free shipping. Seeing previous trends, the Braun Series 7 Men’s Flex Electric Razor is expected to be on sale for up to $40 off, and the Lego Classic Bricks and Animals Building Set will be available for up to $29 off, and the Samsung Chromebook 4 11.6-inch for only $99. Kohl’s The Kohl’s Cyber Monday sale in 2021 lasted 5 days, from the Saturday following Black Friday through the Wednesday of Cyber Week. Kohl’s Cash is consistently the strongest aspect of the retailer’s Cyber Monday deal. For every $50 you purchase, you’ll receive $15 in Kohl’s Cash. During this year’s sale, keep an eye out for the biggest Kohl’s discounts on jewelry, bedding, clothing, and small kitchen equipment. At Kohl’s, delivery is free with orders worth $35 or more. Monthly opportunities for free delivery are available to “Most Valuable Customers” who have Kohl’s credit cards.