Simple Savings - Pay in Full

If you use a credit card, try to pay your bill in full each month so you don't have to pay interest.  Also, pay it on time.  If you don't have the money to do this, think twice before charging things.  If you can't afford to write a check or pay in cash, then maybe you shouldn't purchase the item.  If you have a few minutes, look at some of your old credit card bills and see how much you have paid in late fees and interest.  You may be surprised.  We use a credit card occasionally because of the perks, but we always make sure we have the money to pay for it before charging it so we don't have to pay any interest for anything.  Our family will be able to stay in 4 rooms in a hotel for 2 days rooms without having to pay anything because of perks.