This requires habit changes.And that is the point, accumulating low interest savings while accumulating high interest cc interest is a bad habit of not managing the $$$ correctly.Do spend it if you don't have it, don't fool your self saving,, while it is going out the other door to the cc company.you could reasonably put all of your budgeted purchases on a cash back card that you're paying off in full every monthAh, but that is the key that is not understood - paying it back every month.
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