5 New Hilton Hotels You Can Visit in 2017 for Free

If you've got enough Hilton Honors points, you can spend a night free in Hilton properties worldwide. Here are the newest places to stay using your points.

When is the last time you found time to get away and enjoy a vacation? If you had to stop and think, that is the perfect sign it’s time to book your next trip. And if you have a stockpile of Hilton Honors points, you might want to check out of these recently opened or upcoming Hilton hotels. You may have enough for a free night at some of these great new hotels. (Not a loyal Hilton visitor? You can check out hotel stay hacks at Hyatt properties here.)

1. Hilton Brooklyn New York

If you are heading to New York City, consider a stay at Hilton Brooklyn New York. Located in the heart of Brooklyn, you will be close to the Barclays Center if you are visiting during the season when you can catch a Brooklyn Nets game (or one of the other countless events at the arena). You will also have easy access to the Brooklyn Bridge to get into Manhattan.

Booking a room at the Hilton Brooklyn New York on June 16, 2017, would start at 65,000 points per night.

2. Miramonte Indian Wells Resort & Spa, California

If you’re after relaxation, a trip to Palm Springs and a stay at the Miramonte Indian Wells Resort & Spa may be a perfect choice. Part of Hilton’s Curio Collection, this resort has quickly become known for its 12,000-square-foot Well Spa. Conde Nast Traveler has rated it one of their top-100 resort spas in the world. Plus, you will want to make sure you reserve a table at the Grove Artisan Kitchen to enjoy their farm-to-table cuisine.

A search for rooms at Miramonte Indian Wells Resort & Spa for July 7, 2017, showed rooms starting at 41,000 points per night. Award rates at this property tend to be lower during the summer than the winter.

3. Conrad Bora Bora Nui, French Polynesia

Bora Bora is a destination many people dream about visiting. If you are lucky enough to do so, make sure you check out the Conrad Bora Bora Nui. This property, which recently reopened, had been the Hilton Bora Bora Nui until Conrad took over and renovated. During your stay, you will have four different restaurants to choose from, including an overwater lounge.

A search for rooms at the Conrad Bora Bora Nui for Nov. 10, 2017, shows rooms going for 266,000 points per night.

4. Hilton Sanquingshan Resort, China

You will find the new Hilton Sanquingshan Resort in China’s Mount Sanquin National Park. Inside you can enjoy modern and traditional Chinese architecture and a meal in one of three restaurants. The resort is within walking distance of a cable car that takes you to the top of Mount Sanquin.

We searched for rooms at the Hilton Sanquingshan Resort for May 26, 2017 and they started at 10,000 points per night.

5. Waldorf Astoria Beverly Hills, California

The Waldorf Astoria is one of Hilton’s iconic brands, and starting in June 2017 you have the chance to stay at the Waldorf Astoria Beverly Hills. This hotel will have 170 rooms, including 51 with oversized balconies. During your stay, do not miss the chance the enjoy a meal at the hotel restaurant. It will feature Michelin-star chef, Jean-Georges Vongerichten.

A search for rooms at the Waldorf Astoria Beverly Hills for July 21, 2017 showed rates starting at 344,000 points per night.

Earning Hilton Honors Points

Anyone looking to boost the balance on their Hilton Honors account will be excited to see the abundance of credit cards offered. You can choose from Citi Hilton HHonors Reserve card, Hilton Honors Surpass Card from American Express, Citi Hilton HHonors Visa Signature card and the Hilton Honors Card from American Express.

Of the four options, our favorite is the Citi Hilton HHonors Visa Signature Card. Not only does it give you excellent earning potential, but it also comes with no annual fee. When you sign up you receive 75,000 Hilton Honors points after spending $2,000 in the first three months. When you use your card at Hilton Hotels, you receive six points per dollar. Additionally, you can earn three times points when you use the card at grocery stores, drugstores and gas stations. All other purchases earn one point per dollar.

Each year that you spend at least $1,000 at Hilton hotels, you receive a 10,000-point bonus. Plus, as a cardholder, you automatically receive silver status. This gives you a 15% bonus on your earnings, your fifth night free on Hilton stays and more. On top of that, if you spend $20,000 or more in a calendar year, or have four stays within 90 days of opening your account, you will be upgraded to gold status. You’ll need excellent credit for the Hilton HHonors Visa Signature Card, so be sure to check your scores before you apply. To get an idea of your chances of qualifying, you can view two of your scores free, updated every two weeks, on Credit.com.

Changes to the Hilton Honors Program

Hilton has made three changes Honors program, taking effect summer 2017, that may make it more attractive to travelers. (You can get ideas for how to save for your next big adventure here.)

Points & Money: Instead of only being able to book Hilton hotel rooms with points or cash, you can now book with points and any amount of cash. The more points you pay for a room, the less it will cost in cash.

Pooling Points: By April 2017, you will have the opportunity to share your points with family members so you can reach a reward night faster.

Amazon Shop With Points: In July 2017, you will be able to use your Hilton points to shop on Amazon.com.

To go along with these three features that are being added for every Hilton Honors member, Diamond reward members will have the opportunity to bank their elite status. If you are planning a life change, like a new job, an addition to the family or something else that will cause you to not requalify for elite status, then you will have the chance to extend your existing status once by a period of one year.

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Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

At publishing time, the Citi Hilton HHonors Reserve Card, Hilton Honors Surpass Card from American Express, Citi Hilton Honors Visa Signature Card and the Hilton Honors Card from American Express are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

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28 Ways to Save For This Year’s Big Adventure

Here are 28 tips for saving money on travel, starting with opening a savings account.

If it seems your friends and coworkers are always off on their next big international excursion and you’re stuck at home trying to figure out how you’re going to pay this month’s utility bill, we’ve got some good news for you. That dream of lazy days on white-sand beaches or gentle afternoons reflecting in the Louvre is actually possible, even if you think you can’t afford it.

We’ve put together 28 mostly pain-free ways to start setting aside money today so you can turn your dream vacation into reality.

Everyday Ways to Save

1. Open a vacation savings account.

Automating your savings — whether for a vacation, retirement or a down payment on your dream home — makes the process so much easier. Even if you’re only able to save $5 a week at first, you have an account established and can plunk savings from the following list of ideas in there whenever possible. And make sure it’s a free account with a low enough minimum balance requirement so that it won’t end up costing you money.

2. Save your change.

You can really up your simple savings game by using a bank service like Bank of America’s Keep the Change program, which automatically rounds up your debit card purchases to the nearest dollar and deposits the difference into your savings account.

If you’re not quite ready to take this step, you can start saving your change the old-school way by grabbing a jar and emptying the change from your pockets or wallet into it at the end of the day. Don’t hesitate to throw some paper bills in there as well.

2. Cut back on your food budget.

It’s amazing the money you can save on food with just a little advanced planning — like making a weekly menu and buying your groceries strictly around that list, cooking in batches so you have meals prepared ahead of time, eating this 16-cent breakfast and avoiding the impulse to eat out or get delivery.

3. Cut back on duplicates.

Do you really need the Oreos and the Milanos? Probably not. Still, treat yourself to some cookies, but choose one to put back.

4. Put a stop to loose spending.

A little advance planning can go a long way toward saving money. For example, shop for next year’s winter coat during this year’s winter sales. You’ll save money by avoiding impulse buys and giving yourself time to find good deals.

5. Cancel your subscriptions & memberships.

Do you actually know how much you spend each month on subscriptions to websites, like your streaming services, magazines, and the gym you swore you’d hit three times a week? Make a list, including amounts you spend each month, and then prioritize that list. Cut out anything you don’t use regularly and bank that money in your vacation account (or change jar).

6. Walk to and from work.

If you live in a walkable city, consider commuting by foot instead of by car or public transit. Not only will it save you some cash, it’s a good, healthy habit.

7. Go to the library.

Want to know what’s even better than getting the latest James Patterson book? Getting it for free. You’ll get to lose yourself in a great story, all while saving up for your own adventure.

8. Wash your car by hand.

If you use one of those automated drive-through washes, or especially a fancy handwash place, you can save a ton of money. The average drive-through costs nearly $10, and the premium carwashes can be as much as $30 for just the basic wash and vacuum. Instead, grab your hose and a bucket or, if you live in an apartment, head to one of those do-it-yourself stalls and then tuck away the savings.

9. Stay home.

It’s that simple. If your friends want to get together, ask them to come over and watch a movie, or have a potluck dinner. Even if you’re spending just $20 or $30 on a once-a-week outing, that can add up to some serious money over just a few months.

10. Make a no-gifts agreement.

The holidays can get ridiculously expensive ridiculously fast. The average American planned to spend around $929 for gifts this past holiday season, according to a report by American Research Group. Instead of spending all that money on things your friends and loved ones may not even want, see if they’ll agree to skipping the gifts this year. Maybe you could all book a holiday trip together instead. Two birds …

11. Cut back on your habits.

If you regularly drink, smoke or take illegal drugs, you probably already know these habits are expensive. For example, a pack of cigarettes can cost nearly $13 in New York, so if you’re a pack-a-day smoker, that’s more than $4,700 a year. That’s a seriously nice vacation fund, not to mention the health benefits of quitting. You can start small, too, if that’s easier.

12. Get a side gig.

If you have no interest in changing your lifestyle and spending, you could always get a second job and use those earnings for your next vacation. You could do the same if you’ve looked at your budget and there’s simply no way to cut back any more than you already have. Of course, if this is your situation, it’s probably more important that you set aside savings for possible emergencies before considering any travel savings.

13. Clip coupons & use savings apps.

You really can save a lot of money using coupons, especially if you manage to hit double or triple coupon days. And using apps or discount services can help you save on your everyday purchases as well.

14. Give yourself plenty of time to save.

All of the above can add up to some pretty dramatic savings, but you’ll still need time to accumulate enough money for a significant getaway. The farther in advance you plan your trip, the less you’ll have to cut corners to save up for it. It’s usually a lot easier to set aside $200 a month for a year than $400 a month for six months.

Ways to Leverage Your Credit

15. Get a new rewards credit card.

If you don’t already have a card that lets you earn points or cash back, now’s a great time to consider it. Even if you don’t have stellar credit, you may qualify for a card that can help make your vacation dreams a reality. Check out some of the best rewards credit cards you can get to see which best fits your spending and savings needs.

16. Improve your credit.

If you don’t qualify for the rewards cards you want, it’s time to start working on your credit. Not only can having great credit help you get the best terms on that new credit card you want for your trip, a good credit score may be able to help you save on insurance premiums and avoid paying deposits for new services. You can read more about how to quickly improve your credit score, and you can see how you’re doing by reviewing two of your credit scores for free. Not sure where to start? Take a look at this guide, which will go over steps to help you rebuild your credit.

17. Score a signup bonus.

Lots of travel rewards credit cards offer bonus miles if you spend a certain amount in your first few months. So if your wallet and credit score can handle it, consider adding one of these cards to your wallet. (Don’t get carried away, though. There are plenty of downsides to credit card churning.)

18. Transfer your credit card balances.

If you’re already carrying balances on your credit cards, getting those paid down should be a top priority. One of the easiest ways to do this is by applying for a new credit card with a 0% introductory balance transfer offer. Some cards have offers as long as 18 months. That can result in a big savings on interest.

Ways to Power Plan

19. Book smart.

Timing is everything when it comes to booking your airfare. Experts recommend booking domestic flights about six weeks out; international flights may require more lead time.

20. Score a companion pass.

Whether you’ve saved enough miles or your friend has you covered, a companion pass — offered through your rewards credit card — can save you a bundle.

21. Google flights.

Enter your destination, fare type and dates, and a number of options should pop up. The site’s also helpful for exploring nearby destinations, and you can sign up for fare alerts.

22. Check Travel.State.Gov.

Before you set your budget, visit this site to see what’s required in terms of passports, visas, vaccines, and more.

23. Visit Wiki Travel.

An excellent tool for sussing out a new place, this user-generated site can give you a sense of whether it makes sense to visit. You can see more great travel websites to bookmark here.

24. Book through your credit card issuer’s travel portal.

Most give you more bang for your buck when it comes to redeeming or earning rewards, like the Chase Sapphire Reserve, which offers 50,000 points if you spend $4,000 in your first three months — equivalent to $750 in travel booked through the Chase Ultimate Rewards portal. Or the American Express Platinum, which offers five times the points on airfare booked directly through the issuer or airline.

25. Ask hotels for a discount.

Skip the search engine and call a hotel directly to ask about their lowest nonrefundable rate. If you strike out prior to your trip, ask the concierge whether any upgrades are available when you get there.

26. Sign up for a loyalty program.

Most hotels and airlines have one, and they’re generally free to join. Rack up points where you can (say, on your flight home for the holidays) and then look into pooling them with credit card rewards to fast-track an award flight or hotel stay.

27. Prioritize your itinerary.

You can’t see and do everything at your travel destination, and trying to do so will likely only stress you out and break your budget. Prioritize the travel items on your to-do list so it’s easier to make a cut when your budget calls for it.

28. Avoid the peak season.

A quick internet search will tell you when your destination of choice is particularly popular. If the vacation you want is still possible during off-peak travel times, consider trying to go when there’s lower demand. It can help you save on travel and accommodation costs.

At publishing time, the Platinum Card from American Express is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer. Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

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4 Easy Ways to Achieve Vacation-Level Relaxation Without Traveling

relax-without-traveling

Vacations can be expensive — there’s the cost of travel itself, as well as lodging expenses and all the money you drop once you get where you’re going. When it’s all said and done, you could potentially spend thousands of dollars on a getaway.

But aside from emptying our wallets, vacations can help us decompress and cut back on stress. But there’s a way to enjoy the same result without having to overspend on a vacation. Here’s how you can save money by achieving epic relaxation without ever leaving your hometown.

1. Disconnect From Technology

Modern technology keeps us continuously plugged in, something many people tie to causing high stress levels. Think about it: Your boss can now email you when you’re home, and social media can constantly bombard us with information.

It can be beneficial to step away from digital communications once in a while. To help you relax, consider turning off the TV, smartphones and computer at least a few evenings a week, if you can. At the very least, you can try to remove tech from your bedroom so that you can wind down before going to sleep, as research has shown that the light from screens throws off our sleep cycles and melatonin production.

2. Establish a Zen Place

There’s a reason we go on vacations to relax. Perhaps we find it easier to unwind in a place we don’t associate with work or home responsibilities. But you can establish a place at home that’s used just for relaxing and in time your mind can start to associate that place with a calm, tranquil mindset.

The exact nature of your relaxation space depends on your resources and preferences. You may have a backyard or room to devote to relaxing, or you may only have extra floor space. But whether it’s a garden patio, relaxation room or beanbag chair next to your bookshelf, you can designate a certain space at home for relaxation.

To help boost the relaxation vibe in that space, consider repainting calming colors on the walls, listening to tranquil sounds (relaxing music) or adding accessories such as plants or Zen sand gardens. You can also try to remove anything from that space that stresses you out – like phones, mail and other stressors.

3. Hire a Pro

Massages, spa days and yoga classes are just a few examples of services that can help you relax. Sure, a trip to the spa may be a seen as an unnecessary extravagance, but it is likely less expensive than a vacation and could be worth the investment. After all, relaxation professionals can help you recharge and refresh. If this is outside of your budget, there are less expensive alternatives you could consider, too, like finding free yoga instruction videos online or soaking in your tub at home instead of at the spa.

4. Revisit Your Own City

Relaxation doesn’t all have to take place within your home. In fact, you can reacquaint yourself with your own neighborhood. Whether you’re in the city, country or somewhere in between, your region should have some great attractions you may not have checked out before (or perhaps it’s just been a while). Try approaching your area from the perspective of a tourist: What would you recommend they try if they were visiting your area?

Whether it’s hiking, museums or fine dining, you can get a vacation-level experience by discovering (or rediscovering) the best your town has to offer. You could develop a new appreciation for your region and find new places to explore and enjoy to boot.

No matter how you decide to relax, whether through yoga, a zen garden or something else, it’s a good idea you don’t overspend — after all, you don’t want to find a good relaxation tool just to find out it’s landed you in credit card debt. To help you stay on the right track, consider using this free tool to see how your spending is affecting your financial goals, like maintaining a good credit score.

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8 Ways Your All-Inclusive Vacation Can Cost You Extra

save_on_inclusive_vacation

Nothing quite says vacation like sipping a mai tai under a palm tree by a pool. But having that drink at an all-inclusive resort could end up costing more than you expected.

This is especially disappointing when you’ve made an effort to get away without breaking the bank.

All-inclusive vacations, be they resorts or cruises, offer a model in which the guest pays once and, after that, everything is supposed to be taken care of — presumably including meals, drinks and entertainment. In many cases, however, the resort’s definition of “all-inclusive” may not match your expectations. Various activities, and some food and drink, can come with an extra charge. It can be particularly easy to rack up these charges, since money won’t usually change hands until the end of the trip. Usually, the resort has your credit card number, and you’ll simply sign a paper to charge things to “the room.”

To avoid an unpleasant surprise when you settle your bill, and a sour ending to your vacation, here are eight things to consider before you book an all-inclusive deal.

1. It May Not Be Cheaper

The price often includes a host of different activities which you will pay for even if you just want to lounge by the pool. A more a la carte-style vacation, where you only pay for things as you do them, can end up being much cheaper — even though it might feel pricier to keep pulling out your wallet. Another advantage of this model is not needing to fight for refunds. Negotiating a refund from a resort, even if it’s closed because of a hurricane passing through, can be tricky and involve lots of legal wrangling. Paying as you go avoids this potential problem, since you only buy things as you use them.

2. Getting There

The resort may be wonderful, but unless it’s walking distance from home, there will be travel expenses. Airfare to and from will be an added cost. Resorts may cover the transfer from the airport to their facility, but that’s certainly something to consider and factor into your budget if they don’t.

3. Food & Drink

Not all the food is included. Many resorts offer multiple restaurants, but the top-of-the-line choices with the best food may cost extra. Or, in some cases, a buffet may be included in the fee but going to a table-service restaurant will come with an added fee.

Drinks can work on the same model: Cocktails may be free if you’re OK with house liquor, but the top-shelf stuff, or the mid-shelf stuff for that matter, could cost extra. In some cases, only non-alcoholic drinks are free, so if you want a beer of glass of wine with dinner, it will cost you.

One way around this fee could be to upgrade to a premium package, in which you pay for the more expensive stuff in advance. If you have expensive tastes, it could end up being a better choice.

4. Activities

A common practice is to include non-motorized activities like snorkeling or volleyball in the price, but to charge extra for you to hop on a jet ski or go parasailing. Other activities might be partly included in the base cost. If they say “golf all you want,” for example, it’s worth checking into that anyway — it might mean the greens fees are included, but you’ll still need to pay to rent clubs, or it could mean unlimited golf, after you pay an initial fee for it. Best to ask so you’re not surprised.

5. Excursions

Even if everything on the resort or the ship is included, that isn’t going to apply once you leave. If you want a look at the local culture, everything in town is likely going to be at an extra cost.

6. The View

The room they show in the brochure is likely to be one of the best at the resort, and it’s likely to cost you extra. If you want a view of the ocean, it’s going to cost more than a view of the parking lot.

Also, be careful of the language they use. The term “beachfront” may not mean you see any of the actual ocean, just the sand. And keep in mind, a term like “ocean view” may be loosely defined. It could mean a sweeping, unobstructed vista, or it could mean if you lean against the window and squint, you can see a sliver of blue. Consider checking travel review sites, or simply calling the resort to clarify what sort of room you’re getting.

7. Tipping

Some places fold tips into the base price, other places don’t. Find out ahead of time, so you can budget accordingly.

8. Resort Fees

Something else that rarely makes it into the brochure are “fees” that resorts, and even regular hotels, often say helps them maintain a nebulous set of items, which can often seem like they should be included in the base price. These non-optional fees can sometimes run as high as $75 per day. It’s often little more than a way of making the advertised room rate seem lower than it actually is. Again, checking travel review sites, calling ahead and reading the fine print when booking can help you avoid surprises.

[Editor’s Note: You can monitor your financial goals, like building a good credit score, each month on Credit.com.]

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How We’re Planning Our Hibernation Vacation

We know we’re preaching to the choir when we say this winter has been rough. It’s for this very reason that we’re “leavin’ on a jet plane and don’t know when [we’ll] be back again.” We need sun, sand and warmth – like, now.

This is our strategy for keeping the costs of our trip down, or keeping it not-so-expensive (NSE).

Changing Course

When we first started this article, we were planning to head to Puerto Vallarta, Mexico in early Spring. We were relying on the credit card miles we built through managing our business. Unfortunately, on our quest for flights, we learned that the number of miles required to fly to Puerto Vallarta has increased. Now, it would cost us as many airline miles to fly to Puerto Vallarta as it would to fly to Brazil or Italy. As we’ve used miles to fly to Puerto Vallarta before, this felt like a bait and switch.

We have miles on other cards, but they’re more conducive to European travel. To use the miles we want to unload now, we decided to rethink our vacation destination.

Now we’re headed to Palm Springs, Calif. This will let us use the miles we need to dump and keep our travel expenses low. Because we’ve chosen a smaller town that offers a lot in a centrally located place, we won’t need to rent a car. We may, however, rent bikes because that sounds fabulous. (It may sound less fabulous once we’ve imbibed in a few libations, but we digress.)

The other strategy we’re implementing is monumental planning. We always say that planning is key maintaining any budget and it will be the key to controlling our vacation expenses. First, we’re scouting the restaurants, coffee shops and bars that have online coupons. We’re also researching which establishments offer promotions and when. Hey, we’re not above the Blue Hair special.

We’re using tech, as well. Here’s how.

1. Vacation Alerts

We’ve signed up for alerts with sites like Airfarewatchdog.com and Jetsetter.com, which offer customized alerts. We choose the kind of vacation we want, where we want to go and what we want to do — and receive alerts tailored to these needs. These sites offer a lot of ingenious money-saving travel tips and share potential deals on social media as well.

2. Discount Codes

Sites such as RetailMeNot.com offer discount codes for just about everything. For our pending vacation, we’re looking for hotel options, but we can also search for airline tickets and car rentals. Discounts range from a few dollars to 40% off. RetailMeNot also offers vouchers for free meals at hotels and bonus rewards points and miles for hotels and airlines. If the stars are aligned, we may even be able to use our existing hotel and airline rewards with discount codes.

3. Planning Ahead

We want this vacation to combine relaxation with adventure. On vacation, everything costs money and expenses add up quickly. We’re using sites like Living Social and Groupon to plan our activities ahead of our trip. These apps and others let us change locations even before getting to our vacation destination so we can find discounts in that area.

To avoid luggage fees, we’ll each take one carry-on bag at the most. This vacation will only be one week. We survived 30 days down under with only two carry-on bags. Seven days will be a piece of cake.

4. Coupons

We’re downloading coupons for groceries, restaurants and other entertainment and activities in Palm Springs. Sites such as Coupons.com and TheKrazyCouponLady.com offer more coupons than one needs. Some coupons can be sent via text directly to our phones.

There are also apps, like The Coupons App, that can help you find discounts in your travel destination.

5. Gift Cards

Similar to holiday shopping, we can buy discount gift cards in advance and use them on our vacation. Sites such as Giftcard.com, Giftcardgranny.com and Plasticjungle.com offer a wide variety of discount gift cards including ones for clothing and other retail stores, movie theaters, spas, airlines and car rentals.

6. Travel Apps

Apps such as Travel Zoo offer discounts on hotels, airlines, entertainment and local attractions in both foreign and domestic cities. There are also apps, like Larky, that track your loyalty programs and membership benefits. Larky, for instance, notifies us when we’re near an establishment that offers a discount through a loyalty program we belong to.

This is our strategy for getting away from Old Man Winter and not succumbing to becoming Poor Richard in the process. Hopefully this gives you an idea how to lower the cost of your hibernation vacation so can still reach your financial goals. (You can monitor your financial goals like building good credit for free on Credit.com.)

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