I use credit cards sparingly, never carrying a balance (the credit card companies hate people like me)! And I use only cards that give me rewards.
That being said, I always use any coupon or sale that I can get my hands on all year long. If the sale items and/or coupons are not for an item that is needed at the present time, I purchase items to be used as gifts later on whether for a birthday, anniversary, shower, or Christmas. These purchases add up to nice rewards.
I never use my rewards points for myself. I always accumulate them until they are about to expire, and then purchase a large gift for someone special, for free!
It is amazing how little I spend during the month of December while all my friends are frantic to pay their bills come January!
Source: I have learned to be frugal out of necessity.
By faye from Weedsport, NY
Add your voice! Click below to comment. ThriftyFun is powered by your wisdom!
