TOP 100 Lists

Use your credit card sparingly
People often make purchases using their credit cards when they have sufficient cash in their wallets. Using credit cards for everyday purchases adds up. Whenever possible, carry cash, and rely on it to cover expenses.
Avoid buying now and paying later
This method of financing is the classic bait and switch. [...]

1. Request interest rate/fee reductions
Depending on the balances on your credit cards, you could save hundreds of dollars each year by making a few simple phone calls. When speaking to a representative, bring up the fact that you’ve always paid your bills on time and often pay more than the minimum amount due.
2. Ask service [...]