Life Hacks Archives - My Daily Smile

How to get a copy of your credit report for free

Posted on September 24, 2025

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It’s always been a good idea to review your credit report for errors and omissions every now and then, but with identity theft happening so often these days it’s absolutely critical that you keep an even closer check on it than ever.

Credit reporting agencies used to charge a fee every time someone asked for a copy of their own credit report, but now the federal government requires them to provide every American with one free copy per year.

Be aware that there are several private companies that offer “free” credit reports, but those companies all require something in exchange. Most experts recommend steering clear of those websites.

[Read more…]

5 tips for preventing identity theft

Posted on September 14, 2025

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Note: The links in this post are affiliate links.

As you probably know, identity theft is one of the most common “white collar” crimes being perpetrated these days.

Legions of crooks are using the Internet to steal the personal and financial information of unsuspecting individuals, then using that info to get credit cards and apply for loans in the victims’ names.

[Read more…]

Learn from the past but live in the present – always with an eye towards the future

Posted on August 12, 2025

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“The past is a place of reference, not a place of residence; the past is a place of learning, not a place of living.”
-–Roy T. Bennett

As humans, well all make mistakes and suffer great loss on occasion. It’s just a part of life.

It’s easy to fall into the trap of dwelling on the bad times and forgetting that tomorrow will begin with the dawning of a new day. [Read more…]

“I don’t know” are three of the most powerful words in the English language

Posted on December 18, 2024

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Have you ever been asked a question that you didn’t know the answer to? Of course the answer to that question is yes.

After all, there isn’t a human being alive today who knows everything there is to know about every possible topic. That’s easily confirmed simply by watching an episode or two of the popular Jeopardy! quiz show.

Have you ever wished you could do something that you simply didn’t have the skills you would need in order to accomplish it?

Well here’s the thing: we don’t need to know everything about everything in order to succeed in life. Consider the following questions… [Read more…]