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60 Free And Legal Websites To Download Literature (For Bookworms)

60 Free And Legal Websites To Download Literature (For Bookworms)

Free books online are perfect for the avid reader. The genres range from classical literature to historical fiction to biographies and tons more. Life Hack is here to offer you all the best sites at no cost and are completely legal.

The Classics

Stay ‘classy’ with these finds:

Classic Book Shelf
Changes the font and background colors for ease of reading.

Project Gutenberg
Oldest e-Book library on the internet!

Page By Page Books
From Sherlock Holmes to War of the Worlds can be found here

Classic Book Library
Books available for younger readers are available.

Classic Reader
Shakespeare, YA, and so much more!

Historical Fiction

Love Historical Fiction? Find them here!

Public Bookshelf
Romantic get-aways set back in time!

Get Free E-Books
Dramatic settings with a historical backdrop.

Obooko
A little something for everyone.

Free E-Books Lounge
Browse their huge library for some fantastic stories!

E-Books Directory
Over 20.000 books available and growing.

Classic Literature Library
The UK’s site for all things classic!

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LibriVox
Stories with a historical backdrop available here

Fiction

Adore fiction? Get them free at these sites:

Read Print
Fiction for kids, young adults, and adults.

Planet E-Book
Fiction, including Sy-Fy and Fantasy.

Bibliomania
Find bibliographies and so much more!

Literature Library
You’ll find Darwin to Descartes here.

Fiction.US
Novels, screenplays, short stories, and more!

The Internet Database Of Fiction
Offers popular authors like, J. K. Rowling.

Free Online Novels
Christian novels, as well as, fantasy, adventure, mystery, and more.

Foxglove
A British site offering fantasy, satire, and assorted fiction books.

Baen Free Library
Books published by Baen are available here for free.

Non-Fiction

Love a great true story? Then don’t miss these:

Amazon.com
Available for Kindle.

Free E-Books.Net
Biographies, Autobiographies and so much more.

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Bartleby
World renowned non-fiction site.

BookRix
Choose from thousands of titles!

Textbooks

Struggling student? Check out these options:

Medical and Dentistry Textbooks
Biology, Anatomy and much more, including lectures.

MIT Open CourseWare
Includes videos and text on engineering, mathematics, and chemistry.

Business Textbooks
Find everything related to business at this site.

Textbook Revolution
Biology, Mathematics,Engineering and more.

Science And Math
Find your passion for math and science here.

Light And Matter
Open Source physics materials.

 Books For Kids

A great way to introduce a love for reading to kids:

byGosh
Illustrated children’s books, poems, and short stories!

Munseys
Over 3,000 books for kids available.

International Children’s Library
Fiction and non-fiction titles kids will love.

LookyBook
Even teachers love this award-winning site for kids.

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History and Culture

Love learning about history? Then these picks are for you:

American History

Chronicles from 1776-1965.

The Perseus Project
True stories from Greek and Rome!

Online Books 4 Free
Free History books galore!

Most Popular History Books
Find works  such as, The Autobiography Of A Female Slave and many others.

Mystery

Snuggle up to some of the best mystery books you’ll find anywhere!

Mystery Net
Offers free, short stories.

Top Mystery
From Sir Arthur Conan Doyle to Hitchcock, all free!

Mystery Books
Includes selections from Sue Grafton, and many, many others, at no cost.

Miscellaneous

Banned Books
Hundreds of select books that were once legally banned.

World E-Book Library
A massive collection of books, for both children and adults!

DailyLit
Think you don’t have time for reading? This site offered readings in only 15 minutes.

A Celebration of Women Writers
This site provides award-winning novels by women.

Free Novels Online
Choose from a wide selection of available novels.

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Many Books
Includes recommendations from authors and readers.

Authorama
Includes selections from Google Books and far more!

Prize-Winning Books
Books that made the cut from the Newberry award to the Pulitzer.

The Road To Romance
Perfect for a romantic read, stories include authors such as Patricia Corwell.

Arts And Entertainment

Books On-Line
Find celebrity gossip, movie scripts, and more on Hollywood!

Chest Of Books
Enjoy books on the culinary arts or the art of gardening all at no cost.

Free E-Books
Enjoy books on beauty and fashion, as well as hundreds of other titles!

2020ok
Like photography or the arts? Then this site is for you.

Free Art Books
Whether your interest lies in film, writing, or the visual arts this site is for you.

Web Design
Find the help you need here to design the perfect site, at absolutely no cost!

Fashion Books
For every fashion divas! Enjoy all that is fashion at this site.

Questia
Over 5,000 titles to choose from, includes rare books.

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Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

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Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

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I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

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Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

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So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

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