A credit card can be both a boon and a curse. Improper usage can lead to a debt trap. The tips to avoid credit card debt in this article explain the various dos and don’ts for credit card users. These will help avoid debt. Do’s As a part of tips to avoid credit card debt, the various do’s or things to do while using your credit card are listed here. These tips will help you use your card wisely to prevent debt. Use your card responsibly. This is the best way to avoid credit card debt. A credit card needs to be used only to purchase what you need. Just because you have credit, it doesn’t mean you have to use it. Responsible and wise usage of the credit card is the secret to avoid debt. Do pay off the balance on time. Preferably, pay the entire bill by the due date or try to pay more than the minimum amount to avoid paying huge interest amounts. Do make a budget of how much you want to spend each month using your credit card and try to stick with it. Maintain a record of all your spending, keep the charge slips with you.

Fashion for women is made up of numerous styles and myriad combinations suitable for diverse needs, seasons and occasions. Business wear and various party wear in our previous article exposed the choice women have in fashion. Here, we’ll go much deeper into detail uncovering the latest fashion trends and top dresses for women. Each of these styles of dresses carries a sophisticated charm with well-defined features, perfect for the modern woman. The top dresses for women discussed herein are not concentrated for a specific purpose. It’s a combination of dresses that reflect contemporary styles and fashion trends followed by women in the current world. Oversized Victorian sleeves The style trend of the 18th century makes a grand comeback. The oversized shape gives the impression of a slimmer waist with feminine touches. Soft colors and black or grey are great shades to choose from. You can pull off a vintage puff-sleeved look in this vintage dress. Maxi faux leather coats There’s nothing more fashionable to keep you warm during the cold months other than donning a faux leather coat. Get the sleek and funky look with an androgynous twist with this long-flowing piece. Wearing a bold color or an all-black peps things up.

Fashion for men is introducing exciting new trends with traditional styles running parallel to modern-day style options. Unlike the earlier centuries, fashion for men in the current times has a definitive form and newer combinations to scale fashion options for men worldwide. Today, high-end clothing manufacturers and mainstream fashion brands for men display sophisticated craftsmanship with premium-quality fabrics and an aesthetic appeal. Check out the definitive guide to luxury and designer fashion brands that are reinventing fashion and style for the contemporary man in the current times. The top high-end fashion brands for men are all about showcasing a paradigm shift from the ordinary into a space of refreshing fashion. Check these: Neil Barrett Immaculately-crafted apparel takes inspiration from innovative and distinctive designs in this brand of timeless menswear. Neil Barrett streamlines ageless and progressive styling options for the 21 st -century man with precise tailoring and thoughtful detailing. The brand carries unparalleled craftsmanship influenced by Italian fashion brand Prada. The latest fashion range for men is infused with athletic elements. Ralph Lauren The most sophisticated collections and finer things enjoyed by men is provided by this high-end American fashion brand. It’s a global brand with the most luxurious fashion trends available in exceptional designs and ultra-luxury fabrics.

A 401 (k) account is a retirement account meant to save money for your retired life. It is possible to take a loan on your 401(k) account when you need money. You need to understand the basics of the 401(k) loan so that you know everything about taking a loan on your 401(k) account. While discussing the basics of the 401(k) loan, we need to understand what this loan is. A 401(k) account is a retirement account that is opened by your employer. Every month, money is deducted from your salary and credited to the account. If your employer agrees to contribute an equal amount, you would have a good chance of building a substantial retirement amount. You are not allowed to withdraw money until the age of 59 and a half. Withdrawing early will lead to a penalty. However, to take care of any exigencies, there is a provision by which you can take a loan on your 401(k) account. You are essentially taking a loan from yourself and then repaying it at a lesser rate. This article mentions a few basics of taking a loan on your 401(k) loan. Loan amount There is a limit on the amount of loan that you can take.

There are a few common mistakes made when getting a mortgage. These mistakes can be costly for homeowners. The article explains how such common mistakes can be avoided to prevent problems while getting a home mortgage. Not comparing rates One of the most common mistakes made when getting a mortgage is not comparing rates offered by different lenders. Many home buyers talk to their bank and if the rate seems appealing, sign up with the bank without checking other rates. The interest rate determines the monthly payout, and a few percentage points can make a lot of difference. It is better to avoid this mistake by talking to different lenders and comparing rates offered before making a decision. Not being aware of the process Most people are not aware of the process of getting a mortgage and are not even familiar with the terms involved. The concept of locking mortgage rate, mortgage discount points, and details of charges involved need to be understood. Being completely aware of the process ensures that the homeowner gets the best possible terms, thereby reducing the overall repayment. It also ensures that there are no surprises later when one learns about other charges to be paid.