Sarah Hostetler 
Starting with zero credit history, you can establish credit in as little as six months. Achieving a “good” credit score of 700 or better usually requires making timely payments for at least 18 months to two years, but it’s possible to find shortcuts.
The diamonds you purchase online are the same quality as those you’d find at a jeweler in your local mall — but can cost up to 40% less. To buy an engagement ring online, you’ll want to find a trustworthy website, take your time, and make sure your diamond passes the eye test, even on a screen.
Travel credit card miles are more flexible than the miles you’ll earn from an airline credit card, since you’re not handcuffed to a specific airline. However, if you are a loyal flyer, we recommend the UnitedSM Explorer Card, the Delta SkyMiles® Platinum American Express Card, or the Citi® AAdvantage® Executive World Elite Mastercard®.
DIY travel planning is easy, so long as you know the right sites to use. You’re probably familiar with Google Flights, Skyscanner, and Airbnb (all great), but some others you might not have considered are Momondo, Roomer Travel, and even Costco Travel.