It's difficult to resist the cash back offers and sign up bonuses advertised in every bank and on dozens of TV channels every day. $100 back on $500 of spending sounds like a great discount and, in many cases, it is. The right applicant under the right circumstances can take advantage of card companies' latest offers to save money on groceries, travel, restaurants, and large upcoming purchases. But it's important to be careful when applying for and opening new credit cards because doing it in the wrong way can damage a person's credit score and lower their chances of being approved in the future.
A tricky but weighty question is: how often is it okay to apply for a new card? A general suggestion is about six months between applications but, like everything that has to do with credit cards, this varies based on your credit score. Applicants with lower credit scores are required to wait a little longer between applications, to show companies that they're not a risk. Better credit scores allow applicants to apply sooner, though doing so too frequently will still hurt their score. You should also wait slightly longer if you've just been rejected by another company. Hard inquiries will almost always knock a few points off of your score. Spreading them out will avoid damaging it too much.
Be especially careful when:
- You're rebuilding poor credit.
- You've recently been rejected by another card or company.
- You're about to apply for a mortgage or large car loan.
Those few points that fall off of your score after an application might cost you hundreds or thousands of dollars more on a mortgage. Time your applications to avoid impacting upcoming loans.
On the other hand, the best times to apply for a credit card depend on your preferences and spending habits. If you're r building credit, consider secured cards that require a deposit but make it easier for someone without a credit history to begin one. If you already have good credit, you have the privilege of shopping around for the newest and best deals offered by credit companies.
Credit Score Range
Your smart credit habits give you options that include low interest rates, cash back rewards, sign up bonuses and more. To make the most of your new card, try to time any sign up bonuses with large, planned purchases. Often, sign up bonuses come with spending requirements, such as $500 in 60 days. If you're about to purchase a new computer, for example, you can use the new card to fulfill its spending requirement all at once and save $100 on the computer.
If you haven't changed credit cards in five or ten years, it's time to look for lower interest rates and better perks. Card companies always change what they offer to compete with each other, and it's probably better than what you signed up for a decade ago. If you're still paying an annual fee, check out the no-fee offerings, too.
Analyze your spending and shop for cards whose perks best match your habits. Travel miles aren't valuable for everyone. If you eat at restaurants several times a week, look for a card that will reward you for that. Others offer cash back bonuses on gas, groceries or categories that vary month-to-month. Shopping for cash bonuses and rewards is the fun part of having good credit.
A last word on opening a new line of credit: don't close your old card. Unless it charges an annual fee (in which case, definitely do close it), leaving that old, in-good-standing credit line open can only help your score. Credit bureaus account for the age of your credit history and credit utilization when calculating your score. Your utilization is the ratio of credit use to credit limit. Closing an old card will shorten your credit history and, simultaneously, increase your utilization by lowering your total available credit. Both of these negatives are unnecessary: if that old card doesn't cost anything, leave it open.
Your credit card might have become such a regular part of your habit that you stopped thinking about it over the years. But if you've paid it in full and on time to build that credit score into the 700s or even higher, you owe it to yourself to take another look at the card market and shop for lower rates and better deals. It's like shopping for free money—it's the least you can do to reward yourself for your smart financial habits.
Tom Twardzik is a writer covering personal finance, productivity and investing for Paypath. He also contributes pop culture pieces to Popdust, travel writing to The Journiest, product reviews to Topdust and essays to The Liberty Project. Read more on his website and follow him on Twitter.
I’ve been feeling very British lately. Not in a Union-Jack-obsessed, “Keep Calm and Carry-On” way. I went through that phase in 2012 with everyone else… no thank you. And it’s not even a surge of patriotism catalyzed by the Queen dying — I’m firmly team Diana and team Meghan.
Now that fall is officially here, the holidays will sweep in and I’ll have to contend with the fact that I won’t be spending them with my family in the UK. I went home to London earlier this year, so there’s not much left in my travel budget for another trip across the pond. A few domestic jaunts might be in my future, but the closest I’ll get to England this winter is watching Love Island and Love, Actually.
So in that spirit, I’ve been filling my days with content from my favorite Brits. I’m listening to all the old British rock bands I grew up listening to, patiently awaiting the new Arctic Monkeys album, and rewatching anything with Michaela Coel in it. I even shipped myself an order of British Baked Beans, so you know it’s dire.
I’ve also been watching British YouTubers like Grace Beverley — my favorite. Generally, I only go on YouTube to watch Vogue Beauty Secrets and AD Open Door videos. But I’m so glad I stumbled on Grace. Her content is a mix of London lifestyle (what lured me in), relatable entrepreneurship, and mindful productivity. I’m not a hustle-and-grind-girlboss, but as a creative person in a 9-to-5, I need all the help I can get to stay plugged in. So, the video “how to be really really really productive without getting overwhelmed” changed my approach to WFH.
Grace outlines her own productivity method: the to-do table. Instead of making a simple to-do list, she divides her tasks into a table that anyone can follow. As someone who’s survived with to-do lists for years, I recently implemented Grace’s method, and it’s revolutionized my workdays.
how to be really really really productive without getting overwhelmed www.youtube.com
I follow her routine to a tee. Here’s how it works:
Essentially, she divides her daily responsibilities into four categories: quick ticks, tasks, projects, and non-negotiables.
- Quick Ticks: Actions that take less than 5-minutes
- Tasks: To-do’s that take up to 30-minutes. Probably don’t take too much brain energy.
- Projects: Long-term list items. These help guide your priorities, even if you’re not crossing them off in one day.
- Non-negotiables: Pick 3 things each day that you must get done. This is how you’ll truly measure success.
With everything written down and sorted, next address your schedule. Meetings, deadlines, and time blocks — whatever works best for you. Write it down. Then make a pact with yourself to stick to them.
This way of categorization provides a roadmap for prioritizing your day — making you far more productive. Have you ever spent the entire day on small tasks and then suddenly realized you hadn’t moved the needle on any task? Or do you spend way too much time on tasks that aren’t a priority? No more. With your non-negotiables laid out, you know what to laser-focus on and what to dedicate energy towards.
Also, it pays to know your working style. I’m not a morning person. Yet, I have to be up and at ‘em super early. So, first thing in the morning, I march through my Quick Ticks to warm me up. I set a time limit, so I can knock out some easy wins which is totally inspiring. Then I move on to bigger things without lingering on emails or admin. For others, it might be more helpful to tackle the big things with all that early-in-the-day brain power earlier.
Grace has great tips on avoiding overwhelm and burnout. My favorite is taking more intentional breaks rather than scrolling through social media. I call this scrolling “productive” because I’m “coming up with pitches.” Oh, the lies we tell ourselves. It’s more productive in the long run to giving my brain a break with non-screen related stimuli.
Grace’s solution? Set a timer to read a real, an actual book. I’ve never thought of this. It’s a genius way to check off some books on my TBR and kickstart my creativity. After reading a good book, I’m completely inspired to write. So having books near my desk helps me step away from the computer during my lunch break for an actual reset. (And yes, the current books I’m reading are by British authors: Assembly by Natasha Brown, and Love in Color: Mythical Tales from Around the World, Retold by Bolu Babalolu.)
In my pursuit of switching out my WFH set-up and getting my life together, I’ve engineered my workstation for success. With my new WFH essentials and Grace’s productivity technique, I’m revitalized for work — despite the fall blues and my melancholy about the pending holidays.
Here are the things getting me hyped for work and helping me crush my Grace Beverley-inspired to-do tables — no lists in sight:
Pack your bags — Southwest Airlines is having a major sale! Fares are as low as $59 one-way if you book by October 3rd.
This end-of-summer super sale is a game-changer for your travel plans through the end of the year. Summertime travel gets all the glory. But why not take advantage of your long weekends, holidays, and PTO this fall. You’ll be surprised at how much travel you can fit in. Keep the fall/winter season exciting with domestic trips that give you all the excitement without breaking the bank. All thanks to Southwest.
Here’s the breakdown:
Where can you go?
You’ll find discounted tickets to and from most airports. Sale fares apply to cross country travel, and even Hawaii, Mexico, and the Caribbean! Whether you’re visiting a new city or revisiting your last beach vacation, this sale has fares to make your travel dreams come true.
What do the fares cover?
Southwest Airlines has multiple fare tiers, each with various benefits. Wanna Get Away fares start at $59, while Wanna Get Away Plus fares start at $89. You can also find great deals on Anytime fares, which offer priority boarding and express lanes. Then there’s Business Select tickets for a luxe experience at an affordable price point.
Do you have to be a Southwest Rapid Rewards member?
You may think these sale fares are too good to be true. Is there a catch? Do you have to be a Southwest Rapid Rewards member to access them? You’re in luck — anyone can attain these fares for a limited time.
But, insider tip, you should consider signing up for Southwest Rapid Rewards. With a free sign up, you earn points and miles with each trip you take. And with this sale, each dollar you spend on these discounted tix can stretch super far until you eventually earn free travel. The only thing better than a sale is free stuff.
I’ve been browsing the Southwest Airlines site, checking out flights and dreaming.
Here are the top trips to take this fall:
Toni Morrison has an anecdote about her first ever job, which was cleaning some neighborhood woman’s house. The young Toni arrived home after work one day and expressed her troubles to her father. But he didn’t provide the sympathy she expected. Instead, he gave her something better — his advice:
“Listen. You don’t live there. You live here. With your people. Go to work. Get your money. And come on home.”
Years later, she wrote about this remarkable experience for the New Yorker and said, in hindsight, this is what she learned:
1. Whatever the work is, do it well—not for the boss but for yourself
2. You make the job; it doesn’t make you
3. Your real life is with us, your family
4. You are not the work you do; you are the person you are
What Morrison so eloquently articulated was setting boundaries. I revisited this piece during the pandemic when working from home ramped up in earnest. Back when work was one of the few things that anchored my day.
Without a physical office, the pandemic shattered the work/life balance for many people. There was no more of that physical separation that Morrison talked about. There is no coming home from work physically. There is no real life to come back to — just a manufactured commute to your laptop in your makeshift home office.
But, par for the course, Gen Z are navigating this boundaryless era using TikTok. While internet gurus promote hustle culture and constant online availability since you’re not getting face time with your managers, there’s a trend in town — “quiet quitting.”
@zaidleppelin On quiet quitting #workreform ♬ original sound - ruby
The trend arose from the depths of the pandemic. Layoffs, salary cuts, and furloughs proved that their employers did not care about their hard-working employees.
The Washington Post dubs quiet quitting as a fresh trem for an old phenomenon: employee disengagement. In many cases, it’s a response to burnout. For much of Gen Z, it’s a way of establishing healthy boundaries in the office and resisting the pressure of the rat race. After all, why work yourself to the bone for a company that just proved it’s ready and willing to let you go?
Despite the term’s negative connotations, Quiet Quitting can provide an empowering shift in thinking for employees.
For far too long, employees have been indoctrinated with a slew of toxic workplace advice. Faced with these old misconceptions and lacking job security or clear paths for advancement, Gen Z is untethering their identities from work.
Quiet quitting — therefore — might be a bit of a misnomer. These employers aren’t completely disengaged. They’re certainly not launching Flight Club-esque sabotage attempts on their employers. NO. Contrary to media panic, Gen Z understands the value of a job — the fickle market they entered ensured that. But they also understand the value of life.
They’re doing what they’re being paid for. Nothing more, nothing less.
According to Chief, a private membership network focused on connecting and supporting women executive leaders, older generations should learn from this approach.
“Gen Z has already endured the largest seismic shifts to the career landscape than any previous generation, having started their careers in the middle of a pandemic that changed office culture forever and a gig economy that makes piecing together work more viable. They’re taking both those realities and therefore demanding more autonomy and flexibility than any other generation.”
Gen Z are less attached to job titles and statuses. They’re more concerned about their lives. Sure, this can lead to problematic outlooks on money and experiences — see the “I can earn my money back” TikTok trend. But it’s better than hustling for no reward. Besides, as some Gen Z-ers put it on TikTok, the office isn’t even a vibe.
“With the ability to work from anywhere and for more than just one place, Gen Z-ers are forging their own paths that don’t rely on old patterns set by previous generations and are redefining what “career success” looks like. Gen Z can take note, as more and more leaders are similarly pursuing multiple income streams of their own through the form of a portfolio career. The way in which work looks like and where it happens is evolving.”
With less single-minded focus on one job, some TikTok business gurus advocate shutting your laptops precisely at 5 pm. And then jump onto your side hustle. Do nails or lashes on the weekend. Become social media managers for your phone. Sell soap on Etsy (again … perhaps not in the Fight Club way).
But this valorization of side hustles is not about hustle culture, either. They say job security isn’t guaranteed. Learning new skills and develop an alternate income stream/s to keep you afloat. Just make sure you’re not left in the lurch. BTW inflation is here. So every little bit helps.
But where do you start? Watching TikToks can only get you so far. Try a course on LinkedIn Learning to sharpen up your skills and learn new ones that you can turn into a verifiable side hustle — or leverage in your job search if quiet quitting leads to … real quitting.
Learn on your own time with bite-sized videos or in-depth courses. Watch them after work, before you clock in, or on your lunch break. Then, after your courses are complete, you’ll have certificates prominently displayed on your profile that prove your skills.