Cash in Your Credit Card Rewards and Air Miles

If you collect credit card rewards, or points, or if you have air miles, or any type of points that you accumulate when you shop at your drug store, gas station, or grocery store, cash them in.

Points never increase in value, so holding them only increases the chance that you will lose them, or they will expire, or the store will go out of business.

Determine what you need, and cash them in now for something you need to buy.  That uses the points, and saves you money.

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