Archive for July 2019

5 Best Ways to get frequent Flyer Miles

Flyer miles

Do you want to travel the world for free? If the answer is yes then you should the numerous ethical ways to do so. There is something called the Frequent Flyer Program(FFP) which offers you free airline tickets. All you have to do is collect enough frequent flyer miles using your credit card to reap the rewards in the end.

Here are the 5 best ways to get frequent flyer miles.

1. Sign up for frequent flyer programs

Frequent flyer program is a loyalty program offered by an airline company to its passengers. Airline companies want the first time customers to travel with them the next time they travel. They designed this program keeping client retention into mind. For a passenger, this programs has a lot to offer and there are downsides to it. Signing up for a frequent flyer program is the first step to get frequent flyer miles.

2. Have clearly defined travel goals

Before diving further into different frequent flyer programs, you should be clear with your travel goals. There is no point in getting one of these programs if you are only going to fly once or twice a year. In that case, you should even concern yourself with airline miles. But for regular travelers, saving money is a lot easier as they will be getting approximately 1 of every 4 flight tickets for free. If you travel with your family, you also sign them up to frequent flyer programs and use the airline miles collected by them to book flight tickets in the future.

3. Get the right credit card

Credit card

As you would already know, credit companies offer incredible bonus points in the first three months from the credit card purchase date. To get these frequent flyer miles you have to spend a set amount in the first three months. The amount varies from one credit card company to others. But generally, it is around $500-$2000. To get frequent flyer miles with your credit card, you need to plan in advance. This is to avoid overspending. Furthermore, to get even more frequent flyer miles, you can consider getting more than one credit cards.

4.  Use your credit cards to make all your purchases

To earn a considerable amount of airline miles to fund your next trip abroad, you will have to focus on making all your purchases with your travel-friendly credit cards. Most credit cards give you a fixed number of miles on every dollar you spend. You can collect sufficient miles without even spending a penny on it. In fact, by using your credit card wisely, you will be getting rewarded with cash points or rewards points.

5. Use airline shopping portals to get frequent flyer miles

You must be losing so much money by not signing up for airline shopping portals. In case you are wondering what shopping portals are: Retail stores and service providers tie-up with airline companies to maximize their sales. They offer airline miles in exchange for every item or service that you purchase from them. Secondly, you are going to spending money on things like grocery, telecom service provider, food, etc. So why not get some airline miles along with it.


To consistently earn frequent flyer miles with your credit card, make sure you pay your credit card bills on time. Use a credit card only if you are not a frequent traveler and just want to enjoy a free trip. For regular travelers, being loyal to one airline company will be more than enough to get you free plane tickets once in a while.

Yes, You CAN Build Your Credit with No Credit Card

Build credit

You may have heard that it?s pretty much impossible to build your credit without a credit card.

This may seem like a hard one to break. You may not be able to get a credit card because you have damaged/no credit, and yet, you can?t build your credit without a credit card.

Fortunately, there are ways to build your credit without a credit card and live well while you?re doing it.

Here are a few strategies you might try.

Build credit

Report Your Rent Payments

In most cases, your rent payments aren?t reported to credit agencies. In fact, less than 1% of FICO reports contain rent information. This means you?re likely not being rewarded for paying your biggest expense online.

However, you can work with rent reporting services that will work with your landlords to get your rent payments reported to the major credit agencies. These services include Rock the Score, Rent Reporters, RentTrack, or Rental Kharma.

They?ll charge you some sort of up-front cost and a monthly charge after that. However, if you?re trying to build your credit, this may be money well spent.

Prepare a Financial Safety Net

One of the problems you face when you don?t have a credit card is not having a safety net when life?s expensive surprises pop up. You may have no way to pay for a $300 dental bill or a $500 car repair without missing a few bill payments now and trying to catch up next month.

It doesn?t have to be this way, as there other ways of creating a safety net with revolving credit. For example, you could get a line of credit. Like a credit card, it gives you access to revolving credit and you?re free to borrow and pay back as you see fit.

However, you may think you can?t get a line of credit because you have no credit or damaged credit. Correction: You may not be able to get a line of credit from a major bank. But there are some lenders like CreditFresh that borrows to people with subprime scores.

If you have low credit, you might consider applying online for something like a Credit Fresh Line of Credit by CBW Bank. Their lending criteria are not as heavily regulated as the major banks, so you may have a better chance of getting approved.

With a line of credit in place as a safety net in case of financial emergencies, you don?t have to miss bill payments to cope with sudden or unexpected expenses.

Pay Your Bills with a Secured Credit Card

You may not be able to get a traditional major credit card, but you can probably get a secure credit card from a major credit card company.

Secured cards work almost exactly like traditional credit cards, except you?re paying an amount of money upfront to secure the card, and those funds act as your credit limit.

Your activity on this secured card is reported to credit agencies. This means that making regular payments on this card and keeping a low balance are two good things that will be reported to credit agencies, which may help your credit score.

Some people have had success in building their credit by putting some monthly bills on their credit cards, then paying down the balance right away.

However, it is crucial to pay your balance down quickly. Missing payments and carrying a high balance month-to-month will end up hurting your credit score instead of helping it.

Anytime you?re trying to build your credit (with a credit card or without), always remember that your credit score is made up of a number of factors. You need to do the right things in all of these areas, at all times. You may be doing the right things 80% of the time, but that 20% can undo all of your good work elsewhere.

Develop a proven plan and stay dedicated to it!

5 Ways to Save Money on your Next Rental Car

rental car

Renting a car while on a vacation or a business trip is all about finding the best deal in the town. You can get a really good deal if you are flexible about the car you want and are not looking for a specific car with a lot of features. In this post, I have shared a few factors that you need to consider before renting your next car.

Here are 5 ways to save money on your next rental car.

1. Use sites like Autoslash for discounts

AutoSlash is a company that goes through all the rental car discount coupons available on the internet and recommends the most suitable ones for you. They call themselves “obsessive coupon-clippers”. They do everything for free of cost. You can also login to Autoslash and ask for recommendation even if you already have booked a car from somewhere else. With Autoslash, you can save money on your next rental car up to 30%.

2. Try to pay tolls in cash

Pay Toll

Rental car companies charge a lot of money in the name of road tolls. These companies buy a PlatePass. So, while driving through a toll booth, you don’t have to pay any money. But they later add the toll charges in your final bill. Just because you rented a car doesn’t mean you will pass through a toll booth. So, why pay extra $5-$10 to these rental car companies. It is better to opt out of the prepaid toll service and pay your tolls yourself with cash.

3. Pay with a rental-friendly credit card

There are credit cards available that can help you make a truckload of savings while you are on a business or private trip. To save money use a travel credit card that provides maximum rewards and insurance coverage on purchase of rental car service. This way even if the unexpected is about to happen and you get into a road accident. Your medical expenses and the damages to the car will be taken care of by the insurance company.

4. Don’t rent inside the airport

It’s quite an easy decision to rent a car in the airport itself. Who wants to leave the airport and spend an hour looking for rental car companies outside the airport? It’s so much hassle to do so. But if you do your research and book a rental car near the airport, you can save a lot of money on your next rental car. To operate from the airport itself, the airport authorities charge extra money from the rental car companies. So, the rates are higher from within the airport.

5. Join a rental car loyalty rewards program

Instead of opting for a different car rental company every time you rent a car, you should pick one company and stay loyal to them. Rental car loyalty programs are all about creating a win-win situation for you and the rental car companies. Find a suitable rental car reward program using Skyscanner.


In my opinion, paying your rental car company using your rental-friendly credit card and finding discount coupon codes are two of the best ways to save money on your next rental car.