Smoking is a habit that one can get easily addicted to, but face several difficulties while quitting. While one can resolve to quit smoking and take necessary efforts, it is still a difficult habit to quit. Moreover, failing to quit smoking can be discouraging and can lead to a serious and difficult relapse into the habit. Knowing where to start and how to go about it can help immensely. For starters, check out these useful tips for quitting smoking. Chart a plan You can’t just get up one day and quit, while it may work initially, you may falter without motivation. Therefore, find a reason first that will serve as motivation to help you stay focused on kicking the habit for good. Understand that for some people, it may be rising health concerns in the family, while others may want to quit to improve their health. The more personal and compelling the reason, the better are your chances of charting a roadmap and strictly adhering to it. Every person’s journey is different, but there is no harm in talking to people who are on their way to quit smoking and learn from their experiences. Identify triggers Smoking is not an involuntary action, but a habit that may have been triggered due to someone or something that forces you to crave for a cigarette.

Many find themselves undecided in the savings vs. checking accounts debate, making it tough to pick between the two. Bank accounts have several components, from account fees to multiple restrictions, and comparing these factors can be tedious. But, this article will simplify this choice for you. The general rule of thumb choosing a savings account as a cash reserve, and a checking account to spend regularly. Read on to know the major differences between these two accounts. Earning interest Savings accounts have a higher rate of interest than checking accounts. With a savings account, you can earn high interest on a daily, weekly, monthly, or yearly basis, depending on the bank’s interest cycle and the amount of money you deposit. With checking accounts, on the other hand, you barely earn interest only if you do not spend it money often. Few banks provide no interest at all because checking accounts are meant for daily spending. Different banks allot different interest rates for these types of accounts, so do your research and choose accordingly. Withdrawal limit Banks limit the number of times you can withdraw cash from a savings account. Federal rules only allow six outbound transactions each month. If you exceed this, you can be charged an excessive withdrawal fee of more than five dollars.

When the temperature outside drops, the best way to keep yourself warm indoors is with a glass of flavourful drink. There are many cocktails that you can make, but there’s something particularly delightful about a drink designed to warm up the chill in your bones. Many winter cocktails require a few ingredients and take only a couple of minutes to prepare. Here are some of the most popular cocktails you can sip in during the cold winter months. Hot Gin Toddy The hot toddy is one of the most popular cocktails throughout the winter season. Traditionally, it is served with dark liquors like whiskey, brandy, or rum. But very few people might have tried the hot toddy with gin. The piney flavor of gin is ideal during the cold winter nights. You can choose your favorite brand of gin for this cocktail recipe. Other than that, you need hot water, lemon juice, and just a teaspoon of sugar. Put all ingredients in a wine goblet, brandy snifter, or glass mug, and the drink is ready in less than a minute. Garnish with a cinnamon stick for extra flavor. Milk and Honey This classic milk and honey cocktail is among the most popular drinks during the winter months.

One thing that we dislike about using a credit card is sitting with a big pile of credit card bills and statements at the end of the month to analyse our spends. Fortunately, the digital era that we’re living in has a range of applications that can rid us of the many boring calculations—among other things—that come with using a credit card. There are many apps to choose from, but it is always wise to pick one that suits your needs. Read on to find out about a few apps that help manage credit card debts effectively: Tally Available to both iOS and Android users, Tally enables you to consolidate your credit card debt. To be able to use this free app, you will be requested to sign up for the Tally credit line that offers a low annual percentage rate (APR) to pay your bills. This financial app essentially helps you minimize your costs and maximize your payment performance each month. The app distributes payments to your creditors in a way that minimizes the interest rate that you are required to pay. Debt Payoff Planner If you owe multiple debts, then this app is for you! Here’s why—the app provides you with a breakdown of all the loans that need to be tracked and paid.

If you are one of those who’ve been stuck to a couch and streaming all the possible Disney movies, we’ve got your back. The amount of brilliant content Disney Plus has to offer has us swimming in the pool of childhood nostalgia with our eyes glued on to our favorite stories. By now you might have watched Marvel, Star Wars, and other classic reruns. Here we’ve decided to compile a list of other Disney Plus TV shows and movies that you should not miss. Diary of a Future President How many of us really believe in our dreams at the age of six? Elena Canero-Reed did, and now she is inside the Oval Office. This show makes it to the list of Disney Plus TV shows and movies that you can’t miss. This dramedy is based on the dreams of a six-year-old girl, who is particularly bright. Witness the toil and turmoil of aiming for the topmost job in America from the eyes of a child who treasures her family and friends. Not to mention our favorite Jane the Virgin star Gina Rodriguez also makes an appearance in this comedy-drama. The World According to Jeff Goldblum Right from Jurassic Park to Thor: