A debit card is among the most preferred payment modes. It is more convenient to carry than cash and easier to use. Besides, debit cards do not add to the mounting credit card bills one has to sift through each month. It helps take money from the bank account and pay for the purchase without adding to the loan amount. However, to manage money wisely, there are certain mistakes to avoid when using debit cards. Repetitive ATM usage There are times when using cash is necessary. People are forced to go to the ATM in such cases. Sure, rushing to the ATM is a quick and easy fix, but people should not forget the charges being levied with every withdrawal. When using an ATM, the person’s bank as well as the ATM’s bank charges a fee, which can quickly add up if someone uses this facility frequently. A solution is to go to the bank instead of the ATM during such times. Withdrawing from the bank means no extra fees will be deducted from one’s account. Forgetting to check the balance When purchasing with a debit card, chances are the transaction will not reflect on the app or account activity immediately.

Flying is one of the best ways to travel. Considering that airline companies take care to offer the best rates, premium upgrades, comfortable ambiance, luxurious seating, etc., inside the flight, flying makes journeys easier too. But there are a host of rules you should follow when traveling or booking tickets. The average traveler can find all this a bit too complicated. So, here are eight airplane hacks that can make flying a hassle-free experience: Setup price alerts on your phone  Being aware of the best price deals every time is a good idea if you’re a regular traveler. Moreover, you can get interesting price alerts on your phone. Price fluctuations are a constant feature in the airline industry. But how can you keep a tab on the changes to make the most of it? You can use certain travel apps and install them on your mobile, like Google Flights, to stay updated. With one or two of these apps, you will certainly never miss getting the best price deals and cheap price alerts. Stay flexible You must stay flexible with the destination and the dates of your journey. Use apps or sites like Skyscanner that do most of your legwork showing destinations with the best deals over a period.

Emergencies like losing a job, sudden medical expenses, or financial setbacks can often cause or increase debt and also make it difficult to keep up with debt repayment. Credit cards are one of the most common sources of debt in the country. Fortunately, there are ways in which one can avoid defaulting on their credit cards, especially when dealing with sudden yet temporary financial difficulties. One such option is a credit card hardship program. What are credit card financial hardship programs? A credit card hardship program is an option offered by credit card issuers and banks to customers facing financial difficulties, providing them temporary relief. If, due to certain circumstances, the customers find themselves unable to make even minimum monthly credit card bill payments, they can seek assistance from their lender through these programs. The bank or lender can arrange for these cardholders to make reduced payments toward their existing credit card debt. Features A financial hardship program can help provide monetary relief in several ways, the exact benefit varying from lender to lender. But a credit card hardship program typically has one or more of the following features: 1. Reduction in the monthly payment amount One of the most common ways lenders offer financial relief to their customers is by temporarily reducing the minimum monthly payment on their credit cards.