what i prefer best would be..........
a cute hairstyle would most likely be and upstyle such as french buns, crinckles, ponytalails, or pony tails with spikes, twists, or even wear your hair down....
get a regular bill, like your electric bill, and set it up to be paid from your credit card every month. Then pay the thing off every month from your checking account and don't use it for anything...