I’ve saved $5000 in the last five years by using a credit card for all my purchases. When I look back at the amount, it amazes me.

Over the last five years I’ve put all my major purchases, from groceries and car down payments to gas for my car and oil to heat my home. When I first started, my card was called Chase Freedom and now it is called Chase Perfect but throughout that time I received 3% cash back on all gas purchases and 1% cash back on everything else.

Doesn’t seem like much, but it really does ad up.

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Do you get jitters thinking about credit cards? Does spending on your cards make you feel like you are doing something wrong or financially unwise?

Credit cards are just one way of spending money. They are a tool, nothing more.

One of the mistakes people make when thinking about credit cards is the thought that Credit Cards lead to Debt Problems.

This simply is not the case!

Credit cards don’t get people into debt, people do.

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