1. Great tips. The only one I would disagree with is paying cash for everything. First, I can never account for what happened to my money when I carry cash. I pay for virtually everything with my credit card. I can easily track where the money goes and I earn on average $25/month with my rewards points. That’s $300/year just for buying with credit instead of cash. Of course I pay the full balance off every month.

    1. Saving and Simplicity says:

      Jennifer I am glad your system of payment works great for you and you are earning rewards. On average most people do not pay off their full credit card balance monthly and this plays into the suggestion to pay with cash. Have a great day.

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