What can and can’t improve your credit score? Carrying a credit card balance won’t help but having more available credit will. Closing an unused credit account may hurt if it’s one that’s been part of your credit history for years. And paying a utility bill on time probably won’t help your credit score because those accounts aren’t reported to credit agencies. Source Link_
When you want to pick a charity to make a new donation one way to choose is to look back at this year in your life. For example, if you enjoyed a hiking vacation you could donate to an organization that helps urban youth experience the outdoors. Or if you lost someone to illness this year, you could give to a charity that funds research or raises awareness. Source Link_
The Advent calendar isn’t only a sweet countdown to Christmas for kids. Instead of chocolate surprises, new versions of the holiday favorite for adults offer daily samples of different cheeses, mini bottles of wine or cans of beer. The adult Advent calendars have been flying off the shelves at retailers like Aldi, Target and Costco. Source Link
