Credit cards are quite useful tools in times when you are facing a sudden cash crunch. You can use them in two ways; one is to be wise and use them smartly when you really need it, and the second is to be careless and fall into complicated hassles. However, there are far too many cases with examples of the latter. So, let us take a look at some of the most common credit card mistakes to avoid repeating them in the future: 1. Not Making Timely Payments Far too many are guilty of this mistake. In some cases, people just forget to make their payments, but in other instances, they are just ignorant and feel like there would be no repercussions. But this is far from the truth as there are quite serious consequences upon missing these payments. It is always bad to let your payment date exceed a delay of 30 days, as doing so could result in your credit score getting affected by 17 to 83 points. This deduction could increase even further if the delay crosses 90 days. In this scenario, the credit score could reduce by 133 points. 2. Making Multiple Credit Card Requests You should always avoid applying for new credit cards very often.

There’s nothing like getting some fresh air and sunshine while lounging on your favorite patio furniture or playing a game of fetch with your dog on your lawn—the perfect patch of green to call your own. However, it takes time, effort, and knowledge to grow and maintain a healthy lawn that can withstand wear and tear from weather conditions and pests alike. Here are some tips on how to keep a lawn healthy and beautiful: 1. Fertilizer and mulch too boost growth A lawn does not grow without food, so fertilizing your grass is critical to achieving a lush and healthy yard. Each yard has specific needs regarding fertilizer and mulch, though it is generally recommended that you use primarily natural products, such as time-release fertilizers and shrub and tree fertilizer. Making the right choice ensures that your lawn will be healthy and vibrant. 2. Aerate for better oxygenation and hydration It is important to periodically improve the quality of your soil. One way to do this is to aerate the soil in your lawn using a core aerator. You can also aerate your lawn using a spade or a gardening fork, which is an inexpensive process that can make a big difference over time.

Cleaning can be a time-consuming task, but with the right hacks and tools, you can make the process faster and more efficient. Whether you’re using Glad Forceflex trash bags, Clorox disinfectant cleaner, Pine Sol cleaner, or other cleaning products, these seven cleaning hacks will help you save time and get your cleaning done in a jiffy: 1. Use a cleaning caddy to keep your supplies organized Keeping your cleaning supplies organized can save you a lot of time and frustration. Use a cleaning caddy to keep all your supplies in one place, so you can easily grab what you need and move from room to room. 2. Clean as you go One of the best ways to save time on cleaning is to clean as you go. Instead of waiting for a big mess to accumulate, wipe down surfaces and clean up spills as soon as they happen. This way, you won’t have to spend hours scrubbing and disinfecting later. 3. Use a pleasant smelling cleaner for a fresh scent Cleaning can leave your home smelling less than pleasant, but Pine Sol cleaner can help freshen things up. Pine Sol has a distinctive pine scent that can help mask unpleasant odors and leave your home smelling fresh and clean.

When you think of yard work cleanup, lawn care, and even garden pest control, there’s a good chance your mind goes straight to mowing the lawn and raking leaves. But you can do plenty of other things in your yard without spending hours on end trimming grass or raking up leaves. In fact, with a few basic techniques and a little planning ahead of time, you can make yard maintenance a breeze. Yard work can be easy with a little preparation: 1. Installing a rain barrel and cleaning your gutters Cleaning your gutters is an important task. Your gutters wash away debris, rainwater and other contaminants that can damage your home’s foundation. Installing a rain barrel for collecting water from your roof is another way to reduce water runoff. A rain barrel allows you to collect stormwater to use on plants or gardens outside your house. Installing a rain barrel is easy. Just attach one directly onto the side of your home’s gutter guards. Regular maintenance every few months post-winter season will ensure no more leaf waste ends up clogging your gutters. 2. Aerating your lawn in early summer and autumn Aerating your lawn is a great way to ensure you’re getting the most out of it.