Use a money back credit card to stretch your dollars further
If you spend money regularly to pay your bills or on goods and services then they may a trick that you are not aware of. In the past I used to use cash before I discovered the benefits of having a money back credit card. The great thing about these cards is that you can pay for goods and services over the phone or internet to save time. As long as you pay the balance off before you start to accumulate any interest then the points that you earn can be redeemed for cash. This reduces the cost of any associated purchasers and offsets the cost of your bills. The key is to ensure that you use the card responsibly and to pay the balance prior to any interest accumulating