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How This Woman Got A Free Honeymoon By Paying For Her Wedding With Her Credit Card

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NEW YORK (Newswire.com) – iQuanti: Wedding photographer Olivia Kalton knows a thing or two about the costs involved in making a wedding day happen. So when she got engaged, she decided to shop around and find the right credit card for wedding expenses she’d have to pay that would also give her the most bang for her buck.

She posted her “hack” on TikTok detailing how opening a new Chase Sapphire card helped her maximize her purchases and allowed her to convert all those points she earned on purchases into an all-expenses-paid honeymoon.

Though her TikTok doesn’t specify if it was the Reserve® or Preferred® version of the card, we’ll show you how you can use any card to help subsidize your wedding or honeymoon costs just for buying the things you already need.

Difference between a credit card and a personal loan

First, let’s cover the basics to help you decide if you should use a credit card for wedding expenses or a personal loan for wedding expenses. While there are some similarities between a credit card and a personal loan there are also some major differences. 

Personal Loans

  • Work like installment loans so you will receive the funds upfront in one large sum and repay the loan each month over a certain period
  • They can be both secured or unsecured
  • Personal loans have an end date
  • Personal loan funds can be used for almost anything

Credit Cards

  • Work as revolving credit, so you can borrow as much as you need (up to your limit) and then your payments depend on the outstanding balance.
  • The payments don’t have interest if the balance is paid in full each month
  • Credit cards usually have interest rates
  • Credit cards can be used for everyday purchases

How to earn a free honeymoon with your credit card

Step 1: Figure out which costs you’ll have to pay.

Before you even start looking at cards, you’ll need to know your budget and what you’ll need to pay for. 

Step 2: Start saving

None of this works if you’ll be left with a balance on your credit card at the end of the month. While free travel is always nice, it’s not really “free” if you’re paying compounding interest on your purchases, so start putting money away for your wedding ASAP.

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Step 3: Ensure your vendors accept credit cards

Some of Olivia’s commenters mentioned they had trouble paying with credit cards for wedding services, so shop around first to see what companies accept credit cards and which type. Some vendors will accept Visa or Mastercard but not American Express (due to their higher vendor fees). Knowing this ahead of time will give you a better idea of which card you’ll need to get.

Step 4: Research your honeymoon ideas

You can do this after Step 5 if you want, but having an idea of where you want to go will help you determine which airlines, hotels, cruises, etc., you’ll need to work with.

Step 4: Research credit cards

There are dozens of cards that offer membership or reward points for purchases, so you’ll need to research and find the one that best fits your needs. In particular, look at:

  • How many points you’ll get for each spending category (some cards will offer more points for travel, while others give bonus points for groceries, online shopping, etc.)
  • Their travel partners – Again, you can base your honeymoon off of your preferred cards’ travel partners instead of Step 4. Regardless, see which travel partners (airlines, hotels, cruises, rental car companies, etc.) they work with so you’ll know your options.
  • The annual fee – Many premium travel cards come with hefty annual fees that should be considered in your expenses
  • The welcome offer and terms – Most cards will offer you a lump sum of reward points, typically in the tens of thousands, if you spend a specific amount of money within the first few months of opening your card. This is usually a one-time offer, so you’ll need to strategize your costs accordingly.

Step 6: Check award blogs and calculators

Now that you know how many points you’ll earn off the bat (plus a rough estimate of how many points your purchases will earn), you’ll need to find out just how many points it’ll cost you to do your honeymoon. There are dozens of travel blogs and websites with calculators that help people figure these out, like Doctor of Credit or the /r/churning and /r/awardtravel subreddits.

Step 7: Open the card and start spending

Step 8: Keep a running tally of your total points and how close you are to your goal

Step 9: Convert the points with travel partners

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This is it! Now that you’ve accumulated all those points, it’s time to cash it in and book your trip! Keep confirmation records handy, just in case.

Bonus tip

Keep an eye out for promotional offers from credit cards and travel partners that offer bonus points. Some hotels will offer a % bonus if you buy points in bulk (i.e., 25% more points if you buy points directly from them), while others will have a temporary promotional period where your credit card points convert to a higher amount (i.e., instead of 1:1, 1:2, etc.)

Source: iQuanti. Inc

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Lifestyle

Preparing Students for What’s Next in Work

Preparing Students: Automation, AI and societal economic changes are affecting the workforce and making a significant impact on the employment prospects of future generations. Consider this guidance to put students on the path toward greater earning potential and economic mobility in a rapidly changing economy.

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Preparing Students: Automation, AI and societal economic changes are affecting the workforce and making a significant impact on the employment prospects of future generations. Consider this guidance to put students on the path toward greater earning potential and economic mobility in a rapidly changing economy.

Preparing Students for What’s Next in Work

(Family Features) Automation, AI and societal economic changes are affecting the workforce and making a significant impact on the employment prospects of future generations. More than one-third of today’s college graduates are “underemployed,” meaning they work jobs that don’t require a college degree and may pay less than a living wage, according to data from the Federal Reserve Bank of New York. At the same time, a World Economic Forum report explored how advances in AI are threatening to negatively impact access to entry-level and even mid-level jobs for millions of Americans. Looking ahead, research by Georgetown University indicates that by 2031, 70% of jobs will require education or training beyond high school. However, data from the National Center for Education Statistics indicate only one-third of high school graduates go on to complete a college degree with many of those being in fields that are not in high-earning, high-growth professions. These challenges are not lost on today’s students. In a survey by Junior Achievement and Citizens, 57% of teens reported AI has negatively impacted their career outlook, raising concerns about job replacement and the need for new skills. What’s more, a strong majority (87%) expect to earn extra income through side hustles, gig work or social media content creation. “To put students on the path toward greater earning potential and economic mobility in a rapidly changing economy, students need proactive education and exposure to transferable skills and competencies, such as creative and critical thinking, financial literacy, problem-solving, collaboration and career planning,” said Jack Harris, CEO, Junior Achievement. This assertion is consistent with findings from the Camber Collective. This social impact consulting group identified four key life experiences students can consider and explore that positively affect lifetime earnings, including:
  • Completing secondary education
  • Graduating with a degree in a high-paying field of study
  • Receiving mentorship during adolescence
  • Obtaining a first full-time job with opportunity for advancement
Students aiming to equip themselves with the skills and experience necessary for the future workforce can seek:
  • Learning opportunities that are designed with the future in mind. For example, learning experiences offered through Junior Achievement reflect the skills and competencies needed to promote economic mobility.
  • Internships or apprenticeships that provide hands-on experience and exposure to a career field that can’t be found in a textbook.
  • Volunteer or extracurricular roles that develop communication and leadership skills. Virtually every career field requires these soft skills for growth and greater earning potential.
  • Relationships that provide insight and connection. Networking with individuals who are already excelling in a chosen field, as well as peers who share similar aspirations, offers perspective from those who are where you wish to be and potentially opens future doors for employment.
  • Courses that offer introductory insight into a chosen career path. Local trade or technical schools and other training organizations may even offer certifications that align with a student’s area of interest.
To learn more about how students can pursue education for what’s next, visit JA.org. collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE:
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home improvement

5 Ways to Trim Home Energy Bills

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Last Updated on January 4, 2026 by Daily News Staff

Home Energy Bills

(Family Features) After the mortgage, utility costs, including electricity, likely make up one of the most significant portions of monthly budgets for the typical American household. In fact, according to data from the U.S. Energy Information Administration, the average residential electric bill in the United States is $143.

However, reducing your family’s energy costs is possible by following some smart, practical, cost-cutting tips from the heating and cooling experts at Mitsubishi Electric. Consider these ways to help dial down your energy bills.

Service HVAC Systems Regularly
To ensure the best performance and efficiency possible, find a licensed contractor to keep your heating and cooling system well-maintained and serviced throughout the year. There are some tasks many homeowners can handle on their own, like keeping outdoor units free of debris and changing air filters. Some filters are removable and washable, saving you money. However, bringing in a professional 1-2 times a year for maintenance and to ensure proper function of ductwork and electrical components is also essential.

Use Appliances During Non-Peak Hours
Rather than using stoves, ovens and clothing dryers in the afternoon hours, consider doing so early in the morning or late in the evening. Peak time for many electricity providers is noon-6 p.m., meaning using these appliances outside of this timeframe when conventional heating and cooling systems are likely running full throttle can help lower energy costs.

Upgrade Your System
The Inflation Reduction Act (IRA) incentivizes homeowners that opt for energy-efficient air-conditioning and heating options to replace fossil-fuel-fired furnaces. This includes upgrading your existing HVAC system to a qualified heat pump. For example, Mitsubishi Electric heat pumps provide more energy-efficient cooling and heating that equals cost and energy savings as well as a reduced carbon footprint for homeowners.

Installing a smart electrical panel alongside an all-electric heat pump enables homeowners to monitor and control energy consumption on-site or remotely using a smartphone for better overall efficiency and utility cost savings.

Harness the Sun’s Energy with Solar Panels
According to the Office of Energy Efficiency & Renewable Energy, the amount of sunlight that strikes the Earth’s surface in 90 minutes could power the world’s total energy usage for a full year. Investing in solar panels can help decrease energy bills and increase your home’s sustainability. Additionally, some utility providers and government entities, including the IRA, offer incentives to help reduce installation costs.

Avoid Heating or Cooling Unused Spaces
One mistake many homeowners make is forgetting to adjust their temperature settings when leaving the house. Whether you’re headed out for the weekend or just headed to work for the day, running your system in an empty house can result in unnecessarily high utility bills.

Multi-zone, all-electric heat pumps like those from Mitsubishi Electric allow homeowners to set the comfort level and adjust the temperature in each room, reducing the energy waste of cooling unoccupied rooms. With a smartphone app, you can even adjust the settings remotely.

Find more ways to increase energy savings while making your home more sustainable by visiting MitsubishiComfort.com.

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Business and Finance

Make Your Job Work for You

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Last Updated on December 31, 2025 by Daily News Staff

Make Your Job Work for You

Make Your Job Work for You

(Family Features) For some people, job dissatisfaction is the result of a crummy boss or stifling work environment. For others, the problem lies much deeper; it’s a need to reevaluate your career path and find a more suitable fit.

If you’re considering a career change but not sure which direction you’re headed, consider these words of wisdom:

Do some self-reflecting. Take time to give your current work situation a thorough analysis. Determine which elements you enjoy, what rubs you the wrong way and what you’d change if you could. Think about practical solutions to the problems you identify whether it’s changing to a different role in the same field or exploring a new industry entirely. Avoid the temptation to focus on the negative. Rather, take plenty of time to consider the positive aspects of your current job, since that insight can help inform your next step. For example, if you enjoy the limited contact you have with customers, a job with more customer-facing interaction might not be a good fit.

Ask for input. Sometimes loved ones hold the key to a happier career path because they can point out details you don’t recognize. They might recall a time when you were most relaxed and happy, or they might point out talents or skills you take for granted. Often, these natural abilities are an excellent foundation for a career because you’re well-equipped to be successful.

Consider your personal interests. Keeping your personal life and professional life separate isn’t necessarily a bad idea but finding a way to merge the two can be useful. This is especially true if you’re able to combine training or skills with something you’re passionate about. For example, if you’re an avid outdoorsman, you might find great satisfaction in applying your business management background to work for a company that specializes in camping gear.

Understand what motivates you. Landing in the right job isn’t just about having the right qualifications for a position that interests you. At the end of the day, you’ll feel most content when your job offers meaningful rewards. Motivators can be financial, or they might have more to do with the ability to learn and grow. Some people are willing to sacrifice a bigger paycheck to know they’re making a meaningful contribution in a field they care about. Knowing what outcomes resonate best can help you find a more rewarding career.

Do your research. Changing your career path is a big move, and one you shouldn’t take lightly. Before diving in, spend time looking into the field you’re considering so you have a better sense of factors like growth opportunities, job availability, qualifications, compensation and more. If you find you aren’t quite qualified for the job you think you want, explore what it will take to get there whether it’s training, education or putting in your time to gain experience and work your way into the role you desire.

A career change may be just what you need to shift your life in the direction you want. Find more career advice at eLivingtoday.com.

Photo courtesy of Unsplash

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