Budgeting Tip #1

Get rid of those credit cards! You aren't beating the system by paying your balance in full at the end of the month. That small percentage back isn't helping you save money. All the credit card does is make it easier to spend money and spend more of it. I'm serious! Think about it. Christmas is expensive, isn't it? But eh, it doesn't really hurt when you don't have to pay the bill until late January or February. Where did all the money go anyways.