Whit's Wisdom

Do you use Credit Cards?  If you do, I hope you are disciplined enough to only charge what you are able to pay off at the end of each month. If this is you -  have you considered taking advantage of some of the cash back programs offered by certain credit card companies?   We use our Discover to pay for groceries and gasoline and even some utilities - in return, we receive up to 5% of our purchased amount back each month.  This can be returned to us in the form of cash, used as a payment to the account, or cashed in for gift cards or even discounted merchandise.

I don't recommend this if you are not paying off your bill each month - remember, you are paying very high interest rates on anything not paid in full!!  But if you have the willpower to say NO to things you don't need - then this is a nice little reward for you!