4 Ways to Take Advantage of Good Credit

One of the most important scores that you can earn in your life is a solid credit score. While good grades in school are important for graduation and landing a good job, a nice credit score can wind up saving you thousands that you might otherwise have to spend. Here are some areas where a good credit score can really pay off.

Lower Mortgage Rates

While some Millennials are foregoing a home purchase, most people will still wind up trying to buy a house at some point. Those who are considered a big credit risk may not be able to qualify for a loan at all. Prospective borrowers who can barely qualify for a mortgage will wind up paying more than those who have credit scores that are in the highest range. Just paying a percent or two more on a loan that can easily reach six figures will cost many thousands of dollars over a 15- or 30-year period of time. Higher credit scores make you look like a lower risk, so lending institutions are willing to loan money at a lower rate. It’s that simple.

Consolidate Student Loans

Outside of mortgages, student loans are one of the biggest areas of debt for most people. Many students are forced to take out private student loans after reaching the max that’s offered by the government. These loans tend to have much higher rates, and borrowers cannot discharge them through bankruptcy. Those who have good credit are more likely to be able to consolidate and refinance these loans at a lower rate. This will have the double benefit of lower monthly payments as well as less money going to interest each month. Those who are able to maintain their previous payout schedule should be able to accelerate the payoff of these debts.

Take Advantage Of Bank Bonuses

If you have a good credit score, another way to benefit is through bank signup bonuses. These can come from opening up a new bank account or credit card. As long as you pay off your bill in full each month, banks are willing to pay a bonus of up to $500 or more to get you to use their credit cards. This is one way to really accelerate your savings as long as you pay off the credit card each month to avoid interest.

Get Lower Insurance Rates

Those with lower credit scores are looked at as high-risk customers, even in areas where it might not seem like it would matter. Some insurance companies perform credit checks before deciding to insure a new client. Those who are perceived to be a higher risk to the company will have to pay higher rates. This means that a low credit score can hurt you if you choose to own a car because most state require at least liability coverage on a vehicle.

Having good credit can pay off in many diverse ways. These are just four, but there are other areas of life in which a good credit score can help. Paying off at least the minimum you owe each month and keeping your credit utilization at a relatively low percentage are ways that you can ensure that your score improves over time.





How to Master the Art of Travelling Light

Okay, so if you’re in any form somewhat of an experienced traveller (if you’ve taken more than one trip in
Read More
How to Master the Art of Travelling Light

Five ideas for the perfect weekend getaway

Although raising a young family is a wonderful way for you to spend your time, you may find that now
Read More
Five ideas for the perfect weekend getaway

Bar Rules in New York You Must Know

Well, it’s a bit unfair if you compare the bars of New York to that of any other place in
Read More
Bar Rules in New York You Must Know

4 Perks To Taking Time Off Of Drinking

Many people have heard their friends talking about taking time off of drinking or going on a cleanse from alcohol
Read More
4 Perks To Taking Time Off Of Drinking

4 Things That Happen To Your Body When You’re Drunk

Drinking alcohol is something that many people do as a social activity.  It can be enjoyed with meals, amongst friends
Read More
4 Things That Happen To Your Body When You’re Drunk

Being Responsible with Your Alcohol Consumption

If I must be honest on behalf of all alcohol consumers pretty much everywhere in the world, the very idea
Read More
Being Responsible with Your Alcohol Consumption

Food is a stepping stone into other cultures

Many people agree that it’s important to immerse yourself in the culture and community of your locationwhen travelling, There are
Read More
Food is a stepping stone into other cultures

Get a Taste of Australia’s Best Beers with This List of Pubs and Brew Tours

Any serious traveler should be able to immerse themselves in the community they are visiting. While Sydney is known for
Read More
Get a Taste of Australia’s Best Beers with This List of Pubs and Brew Tours

Money Tips for Digital Nomads Who Live on the Road

Being a digital nomad comes with many perks. It means you can create your own schedule, take on as much
Read More
Money Tips for Digital Nomads Who Live on the Road

What is the Best Casino Betting Strategy?

I guess in the same way that a barman or bar lady sort of develops the instinct of being able
Read More
What is the Best Casino Betting Strategy?

The Nootropics for My Beer Hangover

As anyone who visits my site can see, I’m really into beer. Out of all the things in my life
Read More
The Nootropics for My Beer Hangover

5 Steps to Starting Your Own Unique Travel Blog

Starting a travel blog has become something a lot of people want to do. It is an easy way to
Read More
5 Steps to Starting Your Own Unique Travel Blog

NEW ZEALAND TRAVEL INSURANCE – WISE OR WASTEFUL INVESTMENT?

If you have to travel, hiring travel insurance guarantees a series of coverages that, depending on the policy, can provide
Read More
NEW ZEALAND TRAVEL INSURANCE – WISE OR WASTEFUL INVESTMENT?

A Day in the Life of a Digital Nomad

They’re part myth, part truth and all intrigue, the so-called digital nomads. These are the brave souls who’ve decided enough
Read More
A Day in the Life of a Digital Nomad

Check Out The Best Beer Countries In The World

If you like to travel, and you like beer, then keep your seat warm for a second.  A true beer
Read More
Check Out The Best Beer Countries In The World

Drinking in Newcastle

Newcastle Upon Tyne is the most fun you can have in any English city outside London. It's utterly modern, yet
Read More
Drinking in Newcastle

Beer & Marriage: Aphrodisiac Brews For A Dinner Proposal

It’s been well-known for a while that some foods have properties that enhance our natural, carnal desires.  Foods like oysters,
Read More
Beer & Marriage: Aphrodisiac Brews For A Dinner Proposal

Virtual Experiences to Simulate Travelling Fun

From the roulette tables and slots machines which send your pulse racing at the prospect of winning big in a
Read More
Virtual Experiences to Simulate Travelling Fun

Exploring the Sports Bar Business Model

As much as the overall idea of jumping on a plane and jetting off to the next destination is a
Read More
Exploring the Sports Bar Business Model

A Quick Guide On Drinking Beer in Australia

If you are not Australian, you won't be familiar with the drinking traditions that are practiced Down Under. However, if
Read More
A Quick Guide On Drinking Beer in Australia

Top Tips to driving Abroad

If you are planning on traveling to Europe this summer, then you will probably find it a bit tricky familiarising
Read More
Top Tips to driving Abroad

Hiking Fashion 101

For everyone who isn’t that much (or at all) into hiking, they probably see us as a weird bunch of
Read More
Hiking Fashion 101

4 Things Beer Goes Great With

Beer is one of those beverages that has been passed down for centuries and shows no signs of slowing down. The
Read More
4 Things Beer Goes Great With

Valuable Lessons Travelling Has Taught Me

Although I’m most certainly still the impulsive traveller who started out on his global travels determined to do everything I
Read More
Valuable Lessons Travelling Has Taught Me

Balancing the Odds Out

Trust me to lure you into a blog post about beer with a title that’s geared more towards the casino
Read More
Balancing the Odds Out

The Basic Guide to Planning Your Adventurous African Safari

Africa is a truly remarkable destination. However, if you’re planning for your first African safari soon, it could be daunting
Read More
The Basic Guide to Planning Your Adventurous African Safari

Why You Should Consider A Bigger Tent For Camping

A number of camping enthusiasts would truly find it unusual to camp with a big tent. It would feel like
Read More
Why You Should Consider A Bigger Tent For Camping

4 Best Places to Grab a Beer in Georgia

Image via Flickr by Flikr If you're trekking through Georgia, be prepared for the hot and humid weather. The sweltering heat
Read More
4 Best Places to Grab a Beer in Georgia

First Date: What Every Guy Should Know

A first date can seem daunting. If you are a good guy who wants to do right by a woman,
Read More
First Date: What Every Guy Should Know

4 Tips For Enjoying Alcohol Without Getting Drunk

We've all been there: we know we have work the next morning but we also really want a glass of
Read More
4 Tips For Enjoying Alcohol Without Getting Drunk

Learn How To Match Your Beers To The Right Glass

Beer is obviously one of the most popular beverages in the world, and yet very few people understand how the
Read More
Learn How To Match Your Beers To The Right Glass

5 Tips for Letting Your Teenager Fly Alone for the First Time

Whether it’s due to timing or scoring a deal on a plane ticket, sometimes a solo flight just plain makes
Read More
5 Tips for Letting Your Teenager Fly Alone for the First Time

Everything You Need to Know About Travel Insurance

Royalty Free Photo Whenever you are planning to take a vacation abroad, one of the first things that you should sort
Read More
Everything You Need to Know About Travel Insurance

Top 10 Spots In India To Go Drinking With Friends

Royalty Free Photo While alcohol may not be the beverage of choice for most locals, India is home to a variety
Read More
Top 10 Spots In India To Go Drinking With Friends

Interesting Airport Customs Experiences

Us travellers often blog about what we think fellow travellers and budding travellers want to hear about, particularly with regards
Read More
Interesting Airport Customs Experiences

Planning on Travelling in an RV? Keep The Following in Mind!

While RV adventures can truly be the most enjoyable and convenient, they can turn into a logistical nightmare if you
Read More
Planning on Travelling in an RV? Keep The Following in Mind!

Enjoying an Entire Day on Holiday for Free

Most people save up for an entire year just so that they can really let loose and enjoy their annual
Read More
Enjoying an Entire Day on Holiday for Free

Money Matters for Frequent Travellers

Dare I say, sometimes being disorganised as a traveller works out to your advantage as I came to realise when
Read More
Money Matters for Frequent Travellers

Did You Say Brewery Tour? Sign Me Up

For every traveller who goes through the process of picking out their next destination to visit, there’s always that one
Read More
Did You Say Brewery Tour? Sign Me Up

Top 3 Don’ts When Throwing a Party

Well, it’s now the beginning of a new year and many of us are still suffering slight hangovers from the
Read More
Top 3 Don’ts When Throwing a Party

Picking the Brain of a Female Solo Traveller

The truth is if I had a fully-grown daughter and she decided to travel the world by herself, I’d obviously
Read More
Picking the Brain of a Female Solo Traveller

Saving Money on Your Currency Conversions

I’m pretty sure a lesson in managing your finances wasn’t what they specifically had in mind when they said that
Read More
Saving Money on Your Currency Conversions

The Best Pub-Grub from Around the World

Normally I like to write exclusively about my own experiences I’ve had when I travel, but sometimes in order to
Read More
The Best Pub-Grub from Around the World

Another country, another domestic beer

You might think that my ambition to travel across the globe is just a pretext for drinking beer. I guess
Read More
Another country, another domestic beer

Top Ten Road-Trip Songs

Okay, so lists like these are subjective, I’ll concede to that, but I’m sure if we have even the slightest
Read More
Top Ten Road-Trip Songs

When Passions Collide – The World’s Oldest Beer Discovered in a Shipwreck

I admire those travellers who have a little bit of a different specialty to their travels than some of us,
Read More
When Passions Collide – The World’s Oldest Beer Discovered in a Shipwreck

Why Holiday Romances are So Intense but Not Very Practical

The words of Rich Marx’s “Endless Summer Nights” tune come to mind when I think about holiday romances, as shared
Read More
Why Holiday Romances are So Intense but Not Very Practical

Preserving Your New Car Smell

Your car will probably never smell as good as the day you drove it off the lot. Plenty of chemical
Read More
Preserving Your New Car Smell

Book the Trip and Find Out for Yourself How it is

Running a travel blog is one of the many ways through which to connect with other like-minded individuals who have
Read More
Book the Trip and Find Out for Yourself How it is

How To Determine If You’re Drinking Too Much

Many people aren’t sure where to determine the line is between casual drinking and heavy drinking.  It can be a
Read More
How To Determine If You’re Drinking Too Much

Bringing Back a Meaningful Gift from Your Travels

Between the limited space every traveller inevitably has in their luggage and not wanting to be bogged down by carrying
Read More
Bringing Back a Meaningful Gift from Your Travels

Taking Fire TV With You While Travelling

Introduction Whether you are traveling alone for business or going on vacation with your family, chances are that you will at
Read More
Taking Fire TV With You While Travelling

Beercasions For Your Backyard Get Together

We all love a good reason to drink beer, and even better, a good reason to drink beer in your
Read More
Beercasions For Your Backyard Get Together

What Travelers Should Know About Overbooked Flights

The concept of being pushed off an overbooked flight isn’t new, but it certainly is being shown in a completely
Read More
What Travelers Should Know About Overbooked Flights

4 Ways to Take Advantage of Good Credit

One of the most important scores that you can earn in your life is a solid credit score. While good
Read More
4 Ways to Take Advantage of Good Credit

Borrow money quickly and without questions

Is there a way to borrow money without having to answer awkward questions? That is, borrow money without having to
Read More
Borrow money quickly and without questions

Hosting the Ultimate [Legal] Casino Nights

Well I guess it’s not like the police are actually going to come storming into your house and lead you
Read More
Hosting the Ultimate [Legal] Casino Nights

How to Enjoy In Prague with the Best Beer in Europe

Forget the best pubs in London and Germany- if you have never tasted beer in the beautiful city of Prague-
Read More
How to Enjoy In Prague with the Best Beer in Europe

4 Mistakes You’re Making With Food

It’s easy to believe that you’re doing all the right things in your diet.  If you’ve never known any other
Read More
4 Mistakes You’re Making With Food

Actions & Consequences: Facts About Drinking & Driving

Drinking and driving is a well-known cause of thousands of hardships each year.  The dangers of drinking and driving should
Read More
Actions & Consequences: Facts About Drinking & Driving

How To Beat Travel Insomnia

According to studies almost a third of adults struggle to fall or stay asleep. It is quite ironic, because if
Read More
How To Beat Travel Insomnia

The top 5 exceptional things to do in Malta

The Malta islands are situated between Sicily and the North African coast. The island boasts some of the world’s most
Read More
The top 5 exceptional things to do in Malta

My American City: Orlando

As the self-titled theme park capital of the world, Orlando inspires incredible stories like no other. Home to Walt Disney
Read More
My American City: Orlando

4 North American Bars That Beer Lovers Should Visit

Image via Flickr by modomatic Every city has bars you must go to while you're traveling. If you're planning a trip to Queens, Syracuse,
Read More
4 North American Bars That Beer Lovers Should Visit

4 Best South American Cities for Beer Lovers

When someone thinks about drinking in South America, they’re thinking about Peruvian pisco sours or imported beers they’re already familiar
Read More
4 Best South American Cities for Beer Lovers

Which Zante Boat Party to Go for Your Next Vacation

Your trip to Greece won’t be complete if you don’t visit and experience one of the most popular destinations—the beautiful
Read More
Which Zante Boat Party to Go for Your Next Vacation

Why Norway Tours outrank other European countries tour?

Well, the winter is over now in most parts of the world. Spring and summer follow and with them, the
Read More
Why Norway Tours outrank other European countries tour?

Chinese Tea Culture’s Influence on America

(Image Credit: hxdyl / 123RF Stock Photo) The amount of tea sold in America has increased five-fold in the last 25
Read More
Chinese Tea Culture’s Influence on America

Visiting New York City for the First Time – What You Need to Know to Have a Great Trip

When it comes to the ultimate city vacation, it’s hard to beat what New York City has to offer. Dubbed
Read More
Visiting New York City for the First Time – What You Need to Know to Have a Great Trip

Africa’s Eco Safari Destinations

With today’s tourist market demanding more sustainable and responsible options than ever, sporting some impressive green credentials is a sure
Read More
Africa’s Eco Safari Destinations

Visiting Taal Volcano and Lake in Tagaytay

There are many places on earth that look straight out of a fairy-tale book and Taal Lake in Tagaytay is
Read More
Visiting Taal Volcano and Lake in Tagaytay

Top Five Things to Do in Jackson Hole

Jackson Hole is one of the best places to take a vacation in the United States. Thanks to its location,
Read More
Top Five Things to Do in Jackson Hole

I Met Someone Who Actually Won the Lottery

I’m willing to go out on a limb here and declare that this wouldn’t have happened had I not been
Read More
I Met Someone Who Actually Won the Lottery

Constructive Timewasters for Travellers Passing Time

There’s a paradox for you if ever there was one – putting the word “constructive” next to “timewaster.” Well in
Read More
Constructive Timewasters for Travellers Passing Time

Why your next school trip should be to The Blackpool Tower

School trips should really be three things: educational, fun, and unforgettable. Kids are more likely to learn and engage when
Read More
Why your next school trip should be to The Blackpool Tower

Where to party in Patong

Credit: jo.sau Patong is the most popular tourist destination of Thailand’s celebrated island Phuket but what are the hottest party places?
Read More
Where to party in Patong

The Free Vacation Challenge – Challenge Accepted!

I’ll probably be way too busy to do a proper follow-up on this, so if you want to know the
Read More
The Free Vacation Challenge – Challenge Accepted!

Fun, Free Holiday Activities to Save Some Money With

Okay, so I’m going to try and actually list some of these free and fun holiday activities you can save
Read More
Fun, Free Holiday Activities to Save Some Money With

If You’re Willing to Pay for it, You can Get in Anywhere

Look, you can sexualise this as much or as little as you want, but what I’m talking about here is
Read More
If You’re Willing to Pay for it, You can Get in Anywhere

Inside the Intriguing World of Sports Travel

There’s a certain level of raised optimism in the air when there’s a sporting event in town and as much
Read More
Inside the Intriguing World of Sports Travel

Exploring the World of Luxury Travel

Look, I’m not suggesting I’m Mr. Moneybags here and that I have a bottomless budget to fund my travels, but
Read More
Exploring the World of Luxury Travel

How to Get Free Accommodation

I’ve experienced first-hand what luxury travel is all about and what luxury accommodation in particular is all about, so I
Read More
How to Get Free Accommodation

Why Travelling Never Gets Tiring

It’s a question most of us travellers get from the parents, going something like “You’ve only just got back and
Read More
Why Travelling Never Gets Tiring

Why the Casino Experience Never Gets Old

My buddy Santi knows it all too well, so too my brother Rory, that being the one back-up rule I
Read More
Why the Casino Experience Never Gets Old