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Children Credit Family Financial

Should Teens Have Credit Cards?

Should Teens Have Credit Cards?

Credit cards give you convenience, with an aim to build a positive credit history so that your teen can qualify for a car loan or mortgages when the time comes. It may also help to rent an apartment or pay some educational expenses. So, consider getting low-interest rates on all forms of loans if you meet the requirements. That is one of the best things about credit cards.

Is it worthwhile to know more about whether teens should have credit cards? Let us find out.

1. Teach Them About Its Lows

Many young people end up in debt and have a poor credit score for using credit cards without fully understanding the consequences. It may take years for them to pay off and rectify the credit card history.

In order to avoid such disasters, better you may explain to them how it works and what are better ways to use it. Fully elaborate them its low and high points. Make them realize how the misuse of credit cards can affect their credit scores.

2. How to Build Positive Credit History

It may take time to build a decent and positive credit history. It becomes more complex for teenagers living with a thin credit line. Instead, parents allow teenagers to use their credit line.

That means:

  • Every timely payment will reflect in payment history
  • Minimal use of a credit card will teach your teenagers how to spend wisely
  • Your credit age will increase with your teenager’s credit file and accounts for a long history which is a good credit score

This may be a good way for teaching your teen to use the credit line, the way it should be.

3. Observe Credit Card Usage During an Emergency

You may hope your teenager doesn’t use a credit card during an emergency.

There are situations where it becomes inevitable to use a credit card. Like your young adults or teenagers vehicle breaks down or they find themselves in an immediate need for cash. A credit card will make their life easier at that point. If they use it appropriately, this will give you peace of mind that your teenager is ready to face an emergency and come of it as well.

4. Monitor Credit Card History

Mostly you will able to see your teen’s credit card purchasing history. You should look carefully to observe the nature of his spending. You can explain it’s a bad idea to spend every penny they earn. Save something by the end of each month.

You should do this with a diplomatic approach without letting your teen feel you are micro-managing.

5. Convenient and Secure

Credit cards are good for payment methods. Many credit cards offer protection on every purchase you make. In the meantime, if you lose your credit card you inform the bank and get it cancelled and wait for its replacement. This is a safer option than your teenager carrying cash around.

Make your teenager realize this significant point.

Conclusion

It may be a tough and daunting task for parents to hand over additional responsibilities to their children, particularly teenagers. It covers all aspects of giving them your car, access to the internet or letting them use your credit card.

For you, it may be a big step but it’s a smart way to prepare your teenagers for taking on adulthood responsibilities.

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Financial Health & Home Recreation & Leisure Savings

How to Save for a Vacation?

How to Save for a Vacation?

Vacations are always a treat, and everyone strives for to visit the location without spending much. There are certain ways to make vacations full of memories you can remember for a long time. You start with an early vacation plan, cut on spending and if required, look for an additional job to double up the savings.

Let us guide you to know more about how to save for a vacation?

1. Plan the Vacation Early

Before everything else, decide about the place you want to spend your vacation at. Look into its neighbourhood if there are more places you can visit once you reach there. So plan about:

  • Destination, where you are going and factor in the cost for its nearby areas
  • How long you will stay. Arrange the money accordingly

2. Budget for Your Vacation Early

Now, look into, how much you need and what will be your expenses? Here’s a list of expenses and their mode of spending you should concentrate to budget accordingly.

  • Transport cost from your home to the destination and back home
  • Daily accommodation
  • Local transportation at your destination
  • Daily food, drinks, and entertainment

Add up these expenses and you have a certain range of amount you will need to spend on your vacation. So you can start saving on a monthly basis from your salary. You can allocate a certain amount per month to meet your vacation budget.

3. Resist Impulse Buys

The next part is about savings to complete the vacation with no financial issues.

The foremost saving manner is to resist or stop impulse buying. Impulse buying is making many a people short on money. You should avoid the malls or browse online for shopping. Online shopping will keep giving you endless options to shop from. Clear the browser history and focus on saving money.

4. Ask for Discounts

You were buying phones, apparel, shoes, and grocery, etc. albeit without discounts.

Now you may ask them for discounts or start looking for stores that are offering “sale” items. You buy from them to make your saving more reasonable for vacation.

Similarly, you can ask your insurance company or bank for lower interest rates. You will get better rates from both.

5. Take on Extra Work

Taking an extra job after your routine job is another way for more revenue for your vacation expenses. The best idea is to talk to the employer and request additional hours. You can also opt for freelancing or start selling handicrafts, etc.

All these efforts will get you extra earning, spend that money on vacation, and enjoy it.

Conclusion

So, planning at the right time, then cutting down on expenses, and working a few hours extra will get you the money needed for your trip.

To make things better, you can always check with travel agents or tour operators. Check their cost for a round trip and compare that with your calculations. If you see an enormous difference, opt for one with fewer expenses.

Categories
Children Family

5 Helpful Gifts for New Parents

5 Helpful Gifts for New Parents

First few weeks of parenting are always challenging. Mostly, new parents do their best to adjust to the new norms of their life and household. We can suggest top 5 helpful gifts for new parents, you may choose one from.

1. A Smart Vacuum

A smart vacuum-like Goovi robotic vacuum cleaner is a gift that new parents will love to get.

It’s a remote-controlled vacuum cleaner and can clean your house while you are feeding or bathingthe baby. The vaacuun saves a lot of time and physical exertion you may otherwise put in. It’s a self-discharging cleaner. 

2. Baby Rocker

Baby rockers come in multiple styles, patterns, materials, and a lot of colorful accessories to keep the baby engaged. They will help parents in busy hours during which they can put the baby in, and work around freely. They can shift it to other places in the house to monitor the baby and continue with daily chores.

Baby rockers come in wood, which is padded with foam and cotton to make it more comfortable for thebaby.

3. Baby Carrier

Baby carrier gives the new parents time and room to roam around, carrying the baby in it. This will make the not to worry about leaving the baby with babysitters.

Baby carriers are now coming with stylish loops and wrapping stripes. These carriers come from durable fabric with cotton padding for the baby’s comfort. You can wear it around your shoulders across the chest and carry your baby either in front or at the back.

4. A dinner solution

New parents mostly rely on outside fast food. 

Your cooker gift will make their life easy for making home-cooked food in a more convenient manner. The Crock-Pot Slow cooker holds good for time-bound or sleep-deprived parents. It comes with a recipe book for making cooking more efficient and quick.

It can serve 8 quarts, and weight only 7 kg.

5. A caffeine boost

A portable Wacaco Minipresso Machine. During early parenting days, sleep is of prime concern and couples become short on sleep. This gift will put them in a comfort zone where they can get their coffee instantly. This machine will get you fresh espresso in a minute you just add boiling water to get the coffee. 

Conclusion

Any parent will find these top 5 gifts a great help in reducing their stress. They are exceptional gifts with a mix of comfort for both the baby and the parents.

Categories
Beauty Health & Home

7 Ethical & Eco Swimwear Brands for the Perfect Fit

7 Ethical & Eco Swimwear Brands for the Perfect Fit

This summer, you may invest in buying an ethical and eco swimwear to give nature what it deserves: less pollution and more cleanliness. You enjoy its bounties of endless seas and water to enjoy. That’s how you can help for getting a clean planet Earth.

Let’s walk through the top 7 ethical and eco swimwear brands if you’re searching for the perfect fit.

1. Vitamin A

Vitamin A swimwear comes from recycled plastic bottles. Their brand “ecolux” is the world’s first recycled nylon swim fabric. It is blended with “xtra life lycra” for making it a more durable fit. It’s a proven, supremely long-lasting swimwear you will love most to wear in summers. What’s more, the swimwear’s durability will make it outlive the oxidation and presence of chlorine in water.

The manufacturers offer a range of sizes ranging from size 4 (XS) and up to 14 (DD or XXL). Furthermore, the manufacturers offer donation out of total sales to organization and companies struggling to keep the planet pollution-free.

2. Loveocean

This is a Texas-based environmentally conscious and ethical women swimwear brand. The fabric and its components are free from any toxic and hazardous materials that can affect your health and the environment. This product is certified for a Standard 100 by Oeko-Tex.

Overall, its packaging material, tags, and health-caution stickers all come from recycled and biodegradable materials. These come in all sizes, covering small tops and medium bottoms, displaying timeless designs and patterns.

3. Summersalt

These are the best swimsuits you may like to wear around for their comfort. Their designs are large like colour blocks and give a clear silhouette, keeping you covered.

Summersalt’s once piece bikinis feature compression panels for keeping everything in place, smoothly. What’s more, the recycled polyamide fabric used for it keeps you lightweight in the water without making you feel heavy. The product’s recycled textile makes it five times more durable than other swimwear.

4. Frankies Bikinis

Frankie’s bikinis come from Amni Soul Eco polyamide yarn, which is biodegradable, making it one of the best ethical and eco-friendly swimwear.  The manufacturer is a Malibu-based Company. Their collection is slightly low for colours and design, yet great for those who like all-black swimwear.

5. Isla in Bloom

This comes from Econyl material.  Isla in bloom will inspire you to try something different for its beautiful prints, designs that come from recycled and eco-friendly inks. Econyl comes from recycled plastic and ocean wastes. The products are manufactured in Byron Bay, Australia and they have eco-friendly beach towels too.

6. Wolven

Wolvens are made from recycled plastic bottles. They offer you the best colourful collections that will make you look unique even in the sea waters. The prints are vibrant and give you a sense of energy while swimming around. Their waist-high bikini bottoms make them more comfortable to wear around even if you are overweight. It keeps you covered.

7. Kaylyn Gardner

These are unique for it comes from pure organic cotton, no synthetics. It uses only 100% GOTS certified organic cotton. This makes the ultimate and best ethical swimwear. It’s naturally dyed with avocados. The colourful impact an avocado dye can get is hard to beat.

Every swimsuit is made to order, you can get a custom size if you don’t find it in the usual description. So this customizable option makes it a good ethical and eco swimwear for all sizes and age.

Conclusion

For keeping the planet clean and free from pollution. There are manufacturers who are doing a great deal of hard work for producing ethical and eco swimwear brands. They not only provide you with the design and perfect fit but give you the ultimate pleasure and joy you can get.

Not all, but many of these manufacturers are contributing part of their sales to those companies working for keeping the planet clean and pollution-free.

Categories
Beauty Health & Home

Organic & Natural Makeup Perfect for Your Face

5 Organic & Natural Makeup Brands Perfect for Your Face

More and more people are opting for eco-friendly, environment-friendly, and organic materials in the fashion and makeup world. Many makeup brands that are preparing organic and natural makeup items. Here is a list of the top 5 organic and natural makeup brands perfect for your face.

1. ILIA, Natural & Organic

ILIA get their beautifying products from a mix and match of purely organic botanical synthetics. They strive to form a balance between clean, skin-pro, and natural ingredients plus the safest synthetics for best results. Their beauty items are non-GMO and free from sulfates, parabens, glutens, and talc.

ILIA has carved a niche for multi-purpose beauty serums and color sticks. So all of this is to beautify your lips, eyes, and cheeks. These products come with an added skincare ingredient for protecting the skin from environmental hazards. Their moonbeams highlighters are a treat to use.

2. Juice Beauty

Juice Beauty is one of the best organic skincare brands. Their products are non-GMO and free from propylene, petroleum, pesticides, silicone, talc, sulfates, artificial dyes, and artificial fragrances.

Their products are of great value for brightening the skin of any texture and color. The facial products will also cover up the uneven skin tone and minimize dark spot visibility. This aspect comes from malic acid derived from natural green apples.

So, why not choose Juice Beauty? Juice Beauty products are certified organic product that steer clear from toxins, synthetics, fertilizers, and pesticides.

3. Vapour

It’s a Mexican brand that has changed clean makeup line. It also rejuvenated foundation, lipstick, blush, mascara, and eye shade methodology. Vapour a nontoxic and cruelty-free makeup brand.

Their beautifying products will give you a light-reflecting look on the face, due to multi-dimensional but natural mineral pigments. Their products are famous for wearing a soft veil on skin that allows the light to shine through.

The overall complexion of their makeup will get you the best eye definers, and soft-focus foundations. Their best is non-sticky buildable blush and Elixir Gloss. You will love both with a great urge to use them again and again.

4. W3LL People

This line of makeup contains no fillers, glutens, petrochemicals, petro by-products, and propylene glycol that make it perfect for human skin. Not only are they handmade beauty products, but that means they make it more subtle and the most natural makeup you can ever wear.

The people at W3ll People always aim to work about how much your skin can absorb the addition of makeup.

Their products mostly contain Aloe Vera that will moisturize and soothe your skin in the best possible manner. So, their best product is Expressionist Mascara, and Optimist Lipstick, which will leave no room for using the balm.

5. RMS Beauty

RMS beauty line is best known for its dewy looks and mimicking second skin makeup.

Nonetheless, this is very organic and natural makeup line. Their products are non-GMO, non-nano, and non-allergic. They are also free from any traces of parabens, silicone, sulfates, talc, petroleum, and polyethylene. Their packaging comes from recycled, eco-friendly glass and paper boxes.

The RMS Beauty has definitely made an impression in the organic beauty industry few could match. Their ingredients selection is meticulous with emphasis for no-effect on the skin and a long shelf life. 

Their best products, as per user’s feedback are their iconic Living Luminizer and creamy Cover-up concealer, which will never block your pores.

Conclusion

So, you may be wondering which makeup brand to go for. Well, it would be best if you carefully went through the makeup line and checked which one suits you the most.

Categories
Business Career & Education Financial Loans

5 Steps to Getting a Business Loan

5 Steps to Getting a Business Loan

You want to start your own business. That is great news, a huge step, something that should be encouraged and applauded. But it isn’t just as easy as coming up with an idea and making it a reality. There are many hoops to jump through to make your business come to life, including getting a business loan so your company can have the capital to be a huge success, find customers, and make it long into the future.

How is that done? How does someone secure a business loan, especially if it is their first time starting a business? While not all of the steps are easy or short, the process is simple enough to follow. Make sure you follow this necessary procedure and you will stand the best chance to get yourself a business loan and create the company you have always dreamed of.

1.   Are you Eligible?

Before you get too excited about your business, you need to first determine if you are even eligible for a business loan. There is a lot riding on this fact. Actually, everything is riding on it.

How do you decide if you can get a loan? You need to weigh a lot of different factors. For example, what is your credit score? Have you opened any other business? Do you make enough money? All of these things must be figured out before you can land your business loan and open your company.

2.   What Type of Loan Do You Need?

Did you know there are many different types of loans available to you if you decide to start your own business? It’s true, there are more than you think. You need to figure out which type of loan you need. Do you need a personal loan or a business credit card? Maybe you need a government-backed loan or a more traditional loan from a bank? These are the sort of questions you need to ask and answer before moving forward with getting your business loan.

3.   Online Lender? Bank? Who Should You Look To?

In the modern world, there are many different places you can go to to get your small business loan. Do you want to rely on a bank or microlender or online lender when you are looking to get your loan? Weigh your options, see what each has to offer, then move forward by requesting the loan from the supplier of your choice.

4.   Gather your Information

Obviously when you are applying for a loan, you will need a lot of documentation and information to give the possible supplier of your loan. You will need tax returns, bank statements, legal documents, and a legal plan. You need to round all of these up and have them prepared for a sit-down meeting for your loan. Make sure all the ducks are in a row before you take the final step.

5.   Apply for your Loan

Now that you have followed all the other steps you are ready to finally apply for your loan. Make sure you are dressed your best, bring all your documents, and have a solid business plan when you are stating your case for the lender of your choice.

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Health & Home Wellness

Workout Routine: 7 Tips for Getting Back Into It

7 Tips for Getting Back Into A Workout Routine

After more than a year, it seems that things are slowly starting to get back to normal and the coronavirus pandemic is thankfully coming to a close. Not only are restaurants, theaters, and school re-opening, but so are gyms. That means that you can finally workout again just like you did before COVID-19 struck.

But what should you keep in mind as you start venturing back to the gym? How do you return to a regular workout routine if the pandemic wrecked your progress and schedule?

1.   Start Slowly

This is the most important thing to remember. Hopefully you were able to work out a little bit during the pandemic, even if it wasn’t nearly as much as you did before. Maybe you were able to get some push-ups or sit-ups in even during lockdown. That’s great and that kept your body in a better shape than it could have fallen into. However, now that you are going back to the gym, you need to go slowly. Don’t push yourself too hard and do not attempt to go from zero to one-hundred in your first session. You will soon be working out like you used to but when you are first returning to the gym, don’t overdo it.

2.   Hold Yourself Accountable

You need to keep yourself on target for working out. That means that you need to hold yourself accountable and make sure you really are doing the work to get back to the gym and regularly go again and again. Only you are in charge of yourself so you need to make a workout plan and stick to it, no matter what!

3.   Get Social With Your Workout Routines

Doesn’t it feel good to be around people again? Now that the vaccines are helping people and keeping them safe, you can attend gym classes with others. This is a great idea because everyone in class will be feeling the same sort of enthusiasm and excitement to be working out again. You can feed off of that energy and it will make you work even harder.

4.   Instead of a Gym, Go Outside

After months of being locked up inside, a workout outside is a wonderful idea and a great way to get motivated and to push yourself and get yourself back into the normal exercise routine. The fresh air, the wind blowing through your hair, the sun on your face – it will all feel great and give you terrific drive to work out.

5.   Listen to your Body

You may want to go over the top and really hit the gym hard when you first return to it but you need to listen to your body because it will tell you what pace is right for you. You might be frustrated by how long it takes to get back up to full speed but it’s very important that you don’t overdo it and work yourself too hard. You’ll be in prime form again soon but let your body dictate the right pace.

6.   Set Workout Goals

Do you want to spend twenty minutes on a treadmill? Maybe you want to jog for a half-mile. Perhaps you want to do ten reps of weights. Whatever you want, set a goal for yourself and try your hardest to stick to it as you return to the gym. Make sure you start your goals as small, achievable things and then work your way up from there.

7.   Celebrate Yourself

You did it! You’re back at the gym and you’re taking care of yourself again. Good for you! That is a great thing and you should pat yourself on the back, celebrate, and encourage yourself to keep it up. Well done, it isn’t easy to get back on the exercise horse but you are doing it and you should be very proud of yourself.

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Health & Home Tech & Media Technology Wellness

The 5 Best Fitness Apps To Download Today

Best Fitness Apps

When you are looking to take control of your fitness and take care of your body, you sometimes need a bit of help. Thankfully, smartphones have made it so much easier to keep your body fit and your fitness game on track. Because of wonderful fitness apps, you can now finally have the body and state of health that you have always wanted.

From the mild and easy to the more intense, here are some of the best apps to download when you are attempting to get a better handle on your health and become the fit and active person you have always wanted to be.

Fitness Buddy

Do you want a personal trainer but don’t want to spend the money on one in real life? Well, thankfully there is Fitness Buddy. This app is like a personal trainer and nutritionist in one app. It provides you with hundreds of workouts to keep your body in its best shape. There are videos, workout plans, easy to follow instructions and so much more. Best of all, this app is free so you can enjoy it without plunking down the cash you would need for a gym membership.

MyFitnessPal

This app is all about staying fit, not just by going to the gym. This application gives you a whole bunch of different food options, allowing you to create meals that are good and good for you at the same time. MyFitnessPal has a massive food database, a recipe importer, a calorie counter, restaurant logger, and more. This means that you will be able to stay healthy at the gym and at home, thanks to this helpful app. Staying fit is about more than hitting the gym and MyFitnessPal proves that.

10K Runner

The 10K Runner app is a great way to train and prepare yourself for a marathon. It will gradually teach you how to walk, jog, or run great distances. However, if you are just looking to run for the sake of your health and not to become a marathon champion, you can still use 10K Runner a lot. Whether you are training your body for a long run or just wanting to keep yourself in shape and fit, 10K Runner is an app that is perfect for you and should be downloaded immediately.

30 Day Fitness at Home

30 Day Fitness at Home is an app that you can use to push yourself and encourage yourself to meet your fitness goals. It comes with a slew of video instructions that will keep you on track and losing weight and living a healthy lifestyle. It doesn’t matter if you’re a beginner or a pro, this app will provide you with wonderful guidance.

Home Workout – No Equipment

Going to the gym is a lot of fun but it’s important to remember that you can achieve your goals and lose weight and stay fit even without stepping foot inside one. The app Home Workout – No Equipment will help you hit your marks and achieve your goals without a gym membership. It is easy to use and easy to follow and easy to buy…because it’s free.

Categories
Business Career & Education

Choosing the Best Legal Structure for Your Business

How to Choose the Best Legal Structure for Your Business

There are many questions you need to ask when you are starting your own business. What will your business provide? Who will it cater to? How will it reach its customer base and become a success? These are just some of the many things you need to ask yourself when you are formulating your business and a business plan to get it started.

But there are more questions, ones that are more complicated and ultimately more important too. One of the biggest things you need to figure out is what legal structure your business will take when it is up and running. This is a pivotal choice, one that will decide the future of your business and the success it can have. There are many options, each with their own advantages and disadvantages. So, how do you decide which legal structure your business needs?

Before you decide which structure to accept, you need to know what they are. Your business can be a sole proprietorship, a partnership, a limited liability company (LLC), a corporation, or a cooperative. Now, which one should you pursue? Here is what you need to consider before the choice is made.

Complexity Of Your Business

How complicated and complex will your business be? If it is going to be massive and unruly, you should look into a corporation or LLC. Are you starting something simple and straightforward? Then a sole proprietorship is a good approach for you. You need to get a handle and grasp on the scope and size of your possible company before you decide how to legally structure it.

Taxes

Taxes. Everything comes back to taxes. When you are setting up your company, you need to decide how you want it structured so you can decide how to do your taxes. Did you know that the owner of an LLC and sole proprietor keeps the money made in their business because it is all considered personal income? That’s good news but also bad because it will all be taxed accordingly. Figuring out how you are going to structure your business needs to incorporate how you want to be taxed.

Regulations

When you are setting up your business, you need to consider where you are launching and running it. Depending on the jurisdiction you are set up in, you are going to be hit with an under the control of many different regulations. These regulations change depending on the city, state, county, and country you are in. Pay close attention and see what benefits or disadvantages you will run into based upon the local regulations. If the regulations, permits, licenses, and rules related to a certain legal structure is too much, then you just need to find a different route to take. The regulations might decide which legal structure you should follow.

Deciding upon the right legal structure for your business is one of the most important steps you take when you are creating your company. It dictates the future of your company and its success and can eliminate – or create – a lot of headaches. Pay close attention to the rules, the taxes, and the complexity revolving around your future business before you make a solid choice. The fate of your business depends on it.

Categories
Bankruptcy Credit Financial Legal

How to Rebuild Credit After Bankruptcy

How to Rebuild Credit After Bankruptcy

Deciding to declare bankruptcy is never an easy choice. It is painful, nerve-wracking, and embarrassing. However, it is ultimately the right choice for millions of people. Why should you declare bankruptcy? There are multiple reasons why it might be the right approach for someone suffering from financial woes. But the biggest reason why someone should declare bankruptcy is because it ends the impossible task of paying off debts you cannot overcome.

In many ways, bankruptcy is giving you a clean slate with your finances and the ability to finally start rebuilding and stop beating back against an endless tide of financial stress. But it can cause a huge hit to your credit. Make no mistake, declaring bankruptcy is one of the worst things you can do for your credit score. However, rebuilding that score isn’t impossible after bankruptcy. There are ways to come back from bankruptcy and have a good credit score again.

Invest in a Credit Product

Have you ever heard of a secured loan or secured credit card? These are just two tools that can greatly help your credit after you declare bankruptcy. These cards and services will slowly build your credit back up. With the secured credit card, you put a deposit into the card and then use it like you would a credit card. It’s your money but you are helping your credit score by spending it. While these cards can be super helpful, they also carry a high interest rate too so be forewarned and be prepared to use the secured credit card for the near future but only the near future.

Practice Good Credit Habits

Once you do land a credit card, secured or not, you need to be extra careful when spending and paying it back. Now is your chance to have good credit habits. The best piece of advice to follow with your new credit card? Pay on time! Don’t spend too much credit, do not overspend and use money you don’t have. Look at these cards as a tools to rebuild credit, not as a way to live lavishly.

Have a Co-Signer Get You a Card or Loan

A co-signer is a great way to get yourself a credit card or loan after you have declared bankruptcy. They will sign off on you and help you get the card of loan and put themselves on the line. That is a big risk they are taking but if you are really serious about staying on top of your finances, it is a choice that will help you and not hurt them in the slightest. Make sure your co-signer is someone you can trust and someone who can trust you. Perhaps a family member or life long friend. A co-signer is a great way to get a new card or loan and that is a major step to starting to rebuild your credit. Once you have secured your card or loan because of the co-signer, make them proud by paying it back on time and show them that you were an investment worth making.