Strategies: 3 ways to manage spending and save your hard-earned money

Reserve credit cards for smaller purchases that can be paid off monthly

Credit cards are extremely useful for small, recurring payments like utilities or car insurance that can be paid off monthly. They establish and contribute to credit scores and offer rewards programs that can supplement a consumer’s key areas of interest, like hotel or airfare points, retail gift certificates, or cash back applied toward monthly statements.

The catch is if you don’t make the full balance monthly, you often…

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