When are credit-card rewards worth paying an annual fee? Aug 4th

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Hacks to Slash Your Mortgage and Clear Your Debt Early Aug 16th

Finding you the best financial practices is what gets us up in the morning. And our staff is a great resource for these ideas. So we polled the staff in our office to ask one simple question:  What mortgage hacks do you use to speed up your mortgage payments? Here are their best tips for getting o.... More »
For the last decade or so, Jim and Willina Collins have enjoyed a regular bonus by using their no-fee cash-back credit card to pay for many of their expenses, including holiday flight and accommodation bookings, gasoline, vehicle repairs, and insurance on their vehicles (the couple have a car and a truck for daily use, as well as a collection of vintage cars). Once a year, they enjoy a debit on their card statement, reflecting a small percentage of the total value of their purchases from the last 12 months.
The couple are extremely diligent with money. They pay off the $1,000 to $2,000 they put on their card each month in full, including holiday bookings, which are always paid off before they leave for the trip. Their philosophy, says Willina, is that if you’re going to put a purchase on your card, “you’ve got to have the bucks to pay it.”
Because they don’t allow a balance to accumulate, the debt-averse couple are able to take full advantage of the benefits of a cash-back reward card, without incurring interest charges…

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