Save With Credit Card

This tip will only work for those that pay their credit card bills on time. It won't work or those that never settle their bills.

There are many benefits that are on offer by various credit card companies. You can take advantage of it and be a smarter consumer.

For example, If a card can provide 2% cash back on grocery purchases, just apply for it and use this card for your grocery purchases, not only you will get 2% cash back, you can collect points also and later redeem it for something.

Be sure to settle your bill on time else it will defeat the purpose.