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	<title>effectively &#8211; USA NEWS LIVE</title>
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		<title>Kamala Harris effectively provoked Donald Trump through the debate and brought out his insecure white masculinity</title>
		<link>https://bloggingthree.soflytech.com/2024/09/kamala-harris-effectively-provoked-donald-trump-through-the-debate-and-brought-out-his-insecure-white-masculinity/</link>
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		<dc:creator><![CDATA[enzo2go]]></dc:creator>
		<pubDate>Thu, 12 Sep 2024 22:56:35 +0000</pubDate>
				<category><![CDATA[News]]></category>
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					<description><![CDATA[The September 10, 2024 debate between Democratic presidential candidate Kamala Harris and Republican presidential candidate Donald Trump was a referendum on gender and the U.S. presidency—Trump&#39;s, to be precise. Over the last decade, US voters have seen Trump&#39;s toxic masculinity – a specific version of masculinity that daunts empathy, expresses strength through dominance, normalizes violence [&#8230;]]]></description>
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<p>The September 10, 2024 debate between Democratic presidential candidate Kamala Harris and Republican presidential candidate Donald Trump was a referendum on gender and the U.S. presidency—Trump&#39;s, to be precise.</p>
<p>Over the last decade, US voters have seen <a href="https://19thnews.org/2021/01/trump-toxic-masculinity-harm/">Trump&#39;s toxic masculinity</a> – a specific version of masculinity that daunts empathy, expresses strength through dominance, normalizes violence against women, and associates leadership with white patriarchy – took over <a href="https://prospect.org/politics/2024-06-10-how-republicans-became-party-of-precarious-manhood/">the Republican Party</a>was celebrated by tech bros with outsized cultural influence and was complemented by <a href="https://academic.oup.com/isr/article/23/4/1619/6303451">authoritarian political leaders</a> across the globe.</p>
<p>However, Harris&#39; clever debate strategy caused Trump to remodel on stage – from an aggressive and offended <a href="https://www.nbcnews.com/politics/2024-election/lindsey-graham-trump-provocateur-showman-may-not-win-election-rcna167060">Showman-Provocateur</a> to a <a href="https://www.thewrap.com/harris-trump-debate-strategy-pivot-crowd-size-endorse-msnbc/">unsure</a> And <a href="https://www.nbcnews.com/politics/2024-election/harri-rattles-angry-trump-debate-both-candidates-seek-mantle-change-rcna169058">offended</a> white man.</p>
<p>As <a href="https://scholar.google.com/citations?user=ui-U394AAAAJ&#038;hl=en">Communication scientist</a> who studies <a href="https://www.tamupress.com/book/9781623495558/woman-president/">Gender and the US Presidency</a>Journalists often ask me to comment on the suitability of female candidates for president. I&#8217;m rarely asked to comment on why certain types of masculinity might &#8211; or should &#8211; disqualify a presidential candidate.</p>
<p>When Harris triggered Trump’s insecurity by questioning his popularity and political ability, his responses were <a href="https://www.thebulwark.com/p/narcissist-donald-trump-lost-the-presidential-debate">narcissistic</a>, <a href="https://www.pbs.org/newshour/politics/watch-trump-amplifies-false-racist-rumor-about-ohios-haitian-immigrants-in-debate">racist</a> and infrequently <a href="https://www.independent.co.uk/news/world/americas/us-politics/trump-harris-debate-2024-election-b2610586.html">detached from reality</a>.</p>
<p>Trump&#39;s performance in the controversy against Harris shows not only that white men&#39;s insecurity represents a strategic risk, but additionally a threat to democracy.</p>
<figure class="align-center zoomable">
<div class="placeholder-container" style="--aspect-ratio-percent:66.71087533156499%;--background-color:#30495d"><img decoding="async" alt="A man wearing a blue jacket and red tie stands at a podium and gestures with his hand." class="lazyload" src="https://images.theconversation.com/files/619141/original/file-20240912-22-erc6nm.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;fit=clip" srcset="https://images.theconversation.com/files/619141/original/file-20240912-22-erc6nm.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=1 600w, https://images.theconversation.com/files/619141/original/file-20240912-22-erc6nm.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=2 1200w, https://images.theconversation.com/files/619141/original/file-20240912-22-erc6nm.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=3 1800w, https://images.theconversation.com/files/619141/original/file-20240912-22-erc6nm.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=1 754w, https://images.theconversation.com/files/619141/original/file-20240912-22-erc6nm.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=2 1508w, https://images.theconversation.com/files/619141/original/file-20240912-22-erc6nm.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=3 2262w" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px"></div><figcaption>
              <span class="caption">Donald Trump debates with Kamala Harris through the ABC News debate.</span><br />
              <span class="attribution"><a class="source" href="https://www.gettyimages.com/detail/news-photo/republican-presidential-nominee-former-u-s-president-donald-news-photo/2171252531?adppopup=true">Win McNamee/Getty Images</a></span><br />
            </figcaption></figure>
<h2>&#8220;She was supposed to lure him. He&#39;s easily disturbed.&#8221;</h2>
<p>For most of Trump’s political profession, academic and journalistic critiques of his persona have emphasized his masculine excesses – a penchant for patriarchal authority, a pattern of <a href="https://www.salon.com/2023/05/09/rape-deposition-tape-shows-exactly-what-maga-loves-him/">sexual entitlement</a> and a <a href="https://www.nytimes.com/2023/05/03/opinion/trump-evolutionary-psychology.html">dominant disposition</a>.</p>
<p>Scientists interviewed by the Washington Post ahead of the controversy speculated that Trump <a href="https://www.washingtonpost.com/politics/2024/09/10/trump-harris-debate-gender/">could come across as a tyrant</a>as he did through the debate with Hillary Clinton in 2016, sometimes following her across the stage.</p>
<figure class="align-center zoomable">
<div class="placeholder-container" style="--aspect-ratio-percent:66.71087533156499%;--background-color:#603450"><img decoding="async" alt="A blonde woman in a white shirt and black blazer speaks into a microphone. Opposite her stands a man in a dark suit and red tie, looking at her." class="lazyload" src="https://images.theconversation.com/files/619143/original/file-20240912-18-1e5np8.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;fit=clip" srcset="https://images.theconversation.com/files/619143/original/file-20240912-18-1e5np8.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=1 600w, https://images.theconversation.com/files/619143/original/file-20240912-18-1e5np8.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=2 1200w, https://images.theconversation.com/files/619143/original/file-20240912-18-1e5np8.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=3 1800w, https://images.theconversation.com/files/619143/original/file-20240912-18-1e5np8.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=1 754w, https://images.theconversation.com/files/619143/original/file-20240912-18-1e5np8.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=2 1508w, https://images.theconversation.com/files/619143/original/file-20240912-18-1e5np8.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=3 2262w" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px"></div><figcaption>
              <span class="caption">Donald Trump follows Hillary Clinton across the stage as she speaks through the presidential debate on October 9, 2016.</span><br />
              <span class="attribution"><a class="source" href="https://www.gettyimages.com/detail/news-photo/democratic-presidential-nominee-former-secretary-of-state-news-photo/613698468?adppopup=true">Rick Wilking Pool/Getty Images</a></span><br />
            </figcaption></figure>
<p>Following this debate, The Guardian wrote: <a href="https://www.theguardian.com/us-news/video/2016/oct/10/donald-trump-behind-hillary-clinton-debate-video">described</a> Trump &#8220;sneaked around&#8221; behind Clinton during his speech and &#8220;threatened&#8221; her together with his &#8220;imposing presence and brazen insults.&#8221;</p>
<p>Clinton later said: <a href="https://apnews.com/article/e14462dce7354a1f9614ed09586c850a">while she was not intimidated by Trump</a> She desired to &#8220;show the world a calm face.&#8221; Although voters accept outrage and even justified anger from male politicians, some consider that an outburst of anger from a female politician shows her &#8220;entitlement and unsympathy&#8221; and see it as &#8220;evidence of the type of thin-skinnedness that individuals insist on <a href="https://www.washingtonpost.com/outlook/2020/09/30/biden-trump-shut-up/">makes a lady unsuitable for the presidency</a>.” </p>
<p>But Clinton&#39;s experience enabled her to offer Harris some necessary advice ahead of the September 10 debate, which she repeated to the New York Times: &#8220;<a href="https://www.nytimes.com/2024/09/07/us/politics/hillary-clinton-debate-trump-harris.html">She should lure him. He can change into unsettled</a>.”</p>
<p>Since the Harris campaign quickly coalesced in July, it has done just that. The campaign has trolled Trump with <a href="https://www.msnbc.com/rachel-maddow-show/maddowblog/ahead-debate-team-harris-trolls-trump-hard-hitting-ads-rcna170380">provocative political ads</a>published clips from <a href="https://www.newsweek.com/kamala-harris-donald-trump-campaign-1944091">People yawn at Trump&#39;s rallies</a> on social media and enabled the Democratic National Committee to advertise the claim of Harris&#39; running mate Tim Walz that Trump and Vance were <a href="https://newrepublic.com/post/184986/kamala-harris-donald-trump-dnc-troll-project-2025">“WEIRD AS HELL” in regards to the Trump Tower in Chicago</a>.</p>
<p>During the controversy, Harris mocked Trump to his face, <a href="https://abcnews.go.com/Politics/harris-trump-presidential-debate-transcript/story?id=113560542">claims that</a>&#8220;People are starting to leave his rallies early out of exhaustion and boredom.&#8221; </p>
<p>After laying the bait, Harris turned to the audience and said, &#8220;And I&#39;ll tell you, the one thing you won&#39;t hear him talk about is you. You won&#39;t hear him talk about your needs, your dreams and your desires.&#8221; She concluded her point with a promise, &#8220;I believe you deserve a president who will truly put you first. And I promise you that I will do that.&#8221;</p>
<p>Most politicians would recognize Harris&#39;s obvious rhetorical trap as a ploy to bolster her point that Trump cares more about himself than voters. But an incensed Trump barreled right into it. </p>
<p>After ABC anchor David Muir asked Trump to clarify why he <a href="https://www.azcentral.com/story/opinion/op-ed/ej-montini/2024/08/22/trump-border-bill-arizona-visit/74898253007/">defeated a bipartisan bill to strengthen security on the southern border</a>, <a href="https://abcnews.go.com/Politics/harris-trump-presidential-debate-transcript/story?id=113560542">Trump responded</a>&#8220;Let me first talk about the rallies. She said people are starting to leave. People are not going to her rallies. There&#39;s no reason for them to. And the people who are going, she buses them in and pays them to be there. And then she paints them in a different light. So she can&#39;t talk about that. People are not going to my rallies. We have the biggest rallies, the most incredible rallies in the history of politics.&#8221; </p>
<p>Trump&#39;s overreaction illustrated how his own uncertainty in regards to the size of crowds at his rallies made him vulnerable to manipulation by his opponent.</p>
<p>Later in the controversy, Harris reminded the audience that she was not the just one who could manipulate Trump, and he or she suggested that this vulnerability could endanger American security. She claimed, &#8220;It&#39;s absolutely well known that these dictators and autocrats want to get you back as president because they can so clearly manipulate you with flattery and favors.&#8221; </p>
<p>Russian President Vladimir Putin, Harris told Trump, “would eat you for lunch.” </p>
<h2>Making the opposite person the scapegoat</h2>
<p>Trump&#39;s game with insecure white masculinity will not be only dangerous for democracy because it may possibly be manipulated by opponents. The desire to preserve white male supremacy often manifests itself in racist, misogynistic or transphobic scapegoating strategies. </p>
<p>Communication scientist Patricia Roberts-Miller <a href="https://theexperimentpublishing.com/catalogs/spring-2020/demagoguery-and-democracy/">explained</a> that scapegoating shifts the main target from political issues to members of a marginalized group who may be blamed for the ills of society, thereby promoting a culture of dehumanization and degradation of individuals.</p>
<p>After Trump insisted he had the very best rallies, <a href="https://abcnews.go.com/Politics/harris-trump-presidential-debate-transcript/story?id=113560542">he warned</a> that &#8220;World War III&#8221; was imminent since the immigrants were supposedly &#8220;eating the dogs. The people who came here. They&#39;re eating the cats. They&#39;re eating &#8211; they&#39;re eating the pets of the people who live there.&#8221; </p>
<p>This particular untruth emerged as a bizarre and debunked conspiracy theory that <a href="https://www.cbsnews.com/news/baseless-claim-haiti-immigrants-cats-springfield-ohio/">right-wing media</a> the claimed <a href="https://abcnews.go.com/Politics/trump-pushes-false-claim-haitian-migrants-stealing-eating/story?id=113570407">Haitian immigrants ate pets</a>.</p>
<p>Roberts-Miller <a href="https://theexperimentpublishing.com/catalogs/spring-2020/demagoguery-and-democracy/">explained</a> that the rhetoric of scapegoats often paves the way in which for more serious civil and human rights violations throughout history, as within the case of the Jews in Nazi Germany or of Japanese-Americans before their internment in World War II. </p>
<p>Trump’s fixation on immigrants throughout the controversy and elsewhere could rhetorically help clear the way in which for authoritarian measures he has announced, reminiscent of the deployment of US troops to <a href="https://www.theguardian.com/us-news/article/2024/may/03/trump-mass-deportations-detention-camps-military-migrants">Rounding up and deporting masses of immigrants</a>. </p>
<figure class="align-center zoomable">
<div class="placeholder-container" style="--aspect-ratio-percent:66.71087533156499%;--background-color:#293249"><img decoding="async" alt="A woman in a black blazer stands at a podium with a face that expresses disbelief or amusement." class="lazyload" src="https://images.theconversation.com/files/619142/original/file-20240912-20-bnqvqx.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;fit=clip" srcset="https://images.theconversation.com/files/619142/original/file-20240912-20-bnqvqx.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=1 600w, https://images.theconversation.com/files/619142/original/file-20240912-20-bnqvqx.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=2 1200w, https://images.theconversation.com/files/619142/original/file-20240912-20-bnqvqx.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=600&#038;h=400&#038;fit=crop&#038;dpr=3 1800w, https://images.theconversation.com/files/619142/original/file-20240912-20-bnqvqx.jpg?ixlib=rb-4.1.0&#038;q=45&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=1 754w, https://images.theconversation.com/files/619142/original/file-20240912-20-bnqvqx.jpg?ixlib=rb-4.1.0&#038;q=30&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=2 1508w, https://images.theconversation.com/files/619142/original/file-20240912-20-bnqvqx.jpg?ixlib=rb-4.1.0&#038;q=15&#038;auto=format&#038;w=754&#038;h=503&#038;fit=crop&#038;dpr=3 2262w" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px"></div><figcaption>
              <span class="caption">Kamala Harris listens to her opponent Donald Trump through the debate.</span><br />
              <span class="attribution"><a class="source" href="https://www.gettyimages.com/detail/news-photo/vice-president-and-democratic-presidential-candidate-kamala-news-photo/2170581718?adppopup=true">Saul Loeb/AFP via Getty Images</a></span><br />
            </figcaption></figure>
<h2>Gender and democratic health</h2>
<p>Communication scientist Paul Elliott Johnson <a href="https://www.tandfonline.com/doi/abs/10.1080/07491409.2017.1346533?journalCode=uwsc20">argues</a> that Trump’s brand of demagoguery “<a href="https://www.tandfonline.com/doi/abs/10.1080/07491409.2017.1346533?journalCode=uwsc20">defined by a dependence on victimized, white, toxic masculinity</a>.” <a href="https://www.tandfonline.com/doi/full/10.1080/00335630.2019.1698756">Some scientists</a> have focused on how this rhetorical strategy appeals to men who “<a href="https://www.washingtonpost.com/news/monkey-cage/wp/2018/11/29/how-donald-trump-appeals-to-men-secretly-insecure-about-their-manhood/">secretly insecure</a> about their masculinity,” because the Washington Post reported in 2018. </p>
<p>Trump’s own white male insecurity was clearly visible during his debate against Harris. It was a unique type of pathological masculinity than the <a href="https://19thnews.org/2021/01/trump-toxic-masculinity-harm/">aggressive and offended toxic masculinity</a> Trump has perfected the art of stagecraft as MAGA. </p>
<p>Trump&#39;s performance in the controversy illustrates why insecure white masculinity ought to be a reason to disqualify a presidential candidate. When triggered, it interrupts the candidate&#39;s strategic considering and results in demagogic and dehumanizing arguments. </p>
<p>The debate between Harris and Trump has shown how dangerous it&#8217;s for democracy to offer power to an insecure white man.</p>
</p></div>
<p><em>image credit : theconversation.com</em></p>
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		<title>The way to use bank cards effectively for summer travel</title>
		<link>https://bloggingthree.soflytech.com/2024/05/the-way-to-use-bank-cards-effectively-for-summer-travel/</link>
					<comments>https://bloggingthree.soflytech.com/2024/05/the-way-to-use-bank-cards-effectively-for-summer-travel/#respond</comments>
		
		<dc:creator><![CDATA[enzo2go]]></dc:creator>
		<pubDate>Sat, 18 May 2024 05:05:12 +0000</pubDate>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[effectively]]></category>
		<category><![CDATA[summer]]></category>
		<category><![CDATA[travel]]></category>
		<guid isPermaLink="false">https://bloggingthree.soflytech.com/?p=3787</guid>

					<description><![CDATA[If you intend to spend money on travel as the times get longer, sunnier, and warmer, watch out: You could find yourself with high-interest debt that you simply&#39;ll still should repay come fall and winter. Nearly half (45%) of Americans are planning a summer trip that requires a flight or hotel stay, they usually expect [&#8230;]]]></description>
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<div class="group">
<p>If you intend to spend money on travel as the times get longer, sunnier, and warmer, watch out: You could find yourself with high-interest debt that you simply&#39;ll still should repay come fall and winter.</p>
<p>Nearly half (45%) of Americans are planning a summer trip that requires a flight or hotel stay, they usually expect to spend a median of $3,594, in accordance with NerdWallet&#39;s 2024 study <a href="https://www.nerdwallet.com/article/travel/2024-summer-travel-report" target="_blank" rel="noopener">Summer travel report</a>. </p>
<p>The majority of travelers, 83%, pay a few of their vacation costs with a bank card.  However, NerdWallet noted that 20% is not going to repay the balance in full throughout the first bill statement.  The report surveyed 2,092 U.S. adults from January 30 to February 1, 2024.</p>
<p><strong>More from Personal Finance:</strong><br />The average consumer carries $6,218 in bank card debt<br />Here is the breakdown of inflation for April 2024 – in a single chart<br />The Biden administration is extending the necessary student loan forgiveness deadline</p>
<p>“Travel spending is not going down,” said Hayley Berg, senior economist at Hopper.</p>
<p>Summer wedding season can contribute to travel debt.  About 31% of recent weddings <a href="https://www.lendingtree.com/credit-cards/study/expensive-weddings/" target="_blank" rel="noopener">Guests took on debts</a>, in accordance with latest research from LendingTree.  LendingTree found that amongst those that paid with credit, travel (32%) and accommodation (27%) had the very best bills.</p>
</div>
<h2 class="ArticleBody-subtitle"><a id="headline0"></a>“More for your money”</h2>
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<p>Three-quarters of Hopper users said they plan to spend the identical or more on their trips this summer, Hopper&#39;s 2024 Travel Outlook found.</p>
<p>“But they&#39;re trying to get more bang for their buck,” she said, by squeezing more trips out of the larger or equal budget.</p>
<p>About 86.6% of Hopper users expect to travel this summer, but 72.5% <a href="https://media.hopper.com/research/2024-summer-travel-outlook" target="_blank" rel="noopener">haven&#39;t booked</a> their travels are still happening, that&#39;s the outlook.</p>
<p>“It never surprises me how many people wait until the last minute to book their vacation,” Berg said.</p>
<p>Luckily for travelers, airfares are down 5.8% in comparison with last yr <a href="https://www.bls.gov/cpi/" target="_blank" rel="noopener">Consumer Price Index</a>.</p>
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<p>Hopper said domestic flights averaged about $305 in June, July and August, 6% lower than this time last yr.  Prices are expected to peak at $315 per ticket in late May and early June, in accordance with Hopper data.</p>
<p>“This is a huge improvement over the price increases we see every year,” Berg said.</p>
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<div class="InlineVideo-inlineThumbnailContainer"><img decoding="async" class="InlineVideo-videoThumbnail" src="https://image.cnbcfm.com/api/v1/image/107415730-17158415121715841509-34546097869-1080pnbcnews.jpg?v=1715841511&#038;w=750&#038;h=422&#038;vtcrop=y" alt="EasyJet sees “positive momentum” for the summer travel season, according to its CEO"><span class="InlineVideo-videoButton"></span><span></span></div>
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<p>But other costs related to air travel have also increased.  For example, many major airlines comparable to United Airlines, American Airlines and JetBlue Airways have increased their checked baggage fees this yr.</p>
<p>“Most airlines have increased their fees by five dollars,” said Sally French, travel rewards expert at NerdWallet.  &#8220;That usually means that what was about $35 now becomes $40&#8230; That&#39;s an additional $40 for a round-trip flight.&#8221;</p>
<p>Some cardholders might imagine it&#39;s good to hold a balance while paying off a vacation or other large purchase since it helps show they&#39;re using the cardboard, French said.</p>
<p>This is a standard misunderstanding.  In 2022, about 46% of Americans believed this <a href="https://www.nerdwallet.com/article/finance/credit-score/surprisingly-27-of-americans-saw-credit-scores-go-up-amid-pandemic" target="_blank" rel="noopener">leave a balance</a> According to NerdWallet&#39;s data, it&#39;s higher to your rating to charge your bank card than to pay it off in full.</p>
<p>“There are a lot of myths about credit cards,” French said.  “Having a remaining balance on your credit card is not necessarily good for your credit score.”</p>
<p>The reality is that carrying a balance can increase your credit utilization, which might potentially negatively impact your rating.  You also increase the fee of this purchase since average bank card rates of interest are over 20%.</p>
<p>According to a brand new report from the Federal Reserve Bank of New York, cardholders have already got $1.12 trillion in bank card debt, which translates to a median balance of $6,218 per consumer.</p>
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<h2 class="ArticleBody-subtitle"><a id="headline1"></a>“If you haven’t booked yet, book now”</h2>
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<p>Smart planning and budgeting can provide help to reduce travel costs and make it easier to avoid expenses.  Here are three strategies to try:</p>
<p><strong>1. Book summer travel plans soon:</strong> Typically, the sooner you book your travel plans, the lower the upfront costs might be. According to Hopper data, domestic flight prices within the U.S. are inclined to rise the weekend before the week of the Fourth of July, Memorial Day weekend, and Labor Day weekend.</p>
<p>“If you haven’t booked yet, book now,” Berg said.</p>
<p>The “sweet spot” for international travel is three to 5 months prematurely;  If you&#39;re planning to make a journey in August, now&#8217;s the time to do it.  For domestic flights, it&#8217;s advisable to book about two to 3 months prematurely in summer.  “You may still have time to book trips for late summer and early fall,” she explained.</p>
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<p><strong>2. Be as flexible as possible:</strong> If possible, avoid leaving on Thursday or Friday evening;  Try to book flights on Tuesdays or Wednesdays.  If you fly in the midst of the week, you may save about $50 per ticket on domestic flights and &#8220;a lot more&#8221; on international flights, Berg said.</p>
<p>If you&#39;re flexible along with your travel dates, you may save 30% on hotel and airfare by booking trips for September and even early October.  And “the weather is usually just as good, with fewer crowds in many destinations,” Berg said.  “An easy way to save money while having a slightly less touristy experience.”</p>
<p><strong>2. Save on food costs:</strong> When budgeting for a vacation, travelers deal with hotel and airfare costs because they typically book and pay for them prematurely, French said.  Restaurant prices often come as a surprise when travelers check their spending and are “shocked at how high they are,” she said.</p>
<p>Look for methods to avoid wasting on food costs by switching to counter service reasonably than table service.  Or go to an area farmers market or supermarket and cook something yourself for a meal or two.</p>
<p>“Eating out is a big part of many people&#39;s travels, so you may not want to avoid it entirely,” French said.</p>
<p><strong>3. Take Advantage of Credit Card Rewards:</strong> Some bank cards offer advantages and rewards for meal and travel expenses, comparable to:  B. Checked Baggage Fees.  You could also extend these perks to other people you travel with, French said.</p>
<p>However, this is just not a last-minute step: it takes time to use for after which receive the brand new card.  “A lot of people get confused because you have to apply for this credit card in advance,” she said.</p>
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<p><em>image credit : www.cnbc.com</em></p>
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