Here are a few tips to help put some of your hard-earned money back into your bank account and wallet, and ALSO increase your Credit Scores!
- I highly recommend using the website NerdWallet to find good credit cards, banks, loans, retirement plan ideas, etc. I have been using this website for YEARS and is such an excellent resource to better spend AND save your money!
- Use cash back store cards for companies like the Amazon Store Card. It's not a full fledge credit card, so you can ONLY use it at that specified retailer. With Amazon specifically, you will get 5% back on all that you spend/buy (this does not apply to financed purchases, however). It's an over-glorified version of the espresso stand punch card. I typically get around $1000 back every year just by funneling payments through store cards like this!
- If you drive a lot, go out to eat a lot, etc. Get a credit card that gives you cash back on those purchases. I personally love my Costco Visa card as you get cash back on Gas, Food, Costco Purchases, and a lot more. Another example, I have an American Express card that I use just for my cell phone bill and also gas, because I get 5% cash back on those payments through Amex as well. With Costco, I get around $500 back every year; with Amex about $100.
- If you have money saved and just sitting in a regular old bank savings account, think of putting that into a ROTH IRA or a Certified Deposit; or even a high-interest (and thusly high balance) savings account. Something where your money can sit AND earn interest as it just sits; there are other options as well. But the premise is to earn money as your savings just sit. *Roth IRAs are complicated but you can typically remove what you have personally invested without penalty.
- People with credit scores in the 800s use less than 5% of their available credit. So if you had a $8,000 credit line, you use only $400 at a time. While people with scores from 701 to 750 have 27% credit utilization. So don't go maxing out your cards!! Responsible purchasing, on-time bill payments, and low credit usage will get your scores up FAST and HIGH!
- If you create an account with each of the Major Credit Bureaus, they sometimes have a "spending scanner" available on the user's account page. This "spending scanner" can scan your bank accounts for purchases that can be applied to your credit score! I jumped my score through Experian by 10 points just by using their "purchase history spending scanner"! But, only do this if you feel comfortable letting these companies access and scan your bank accounts... Is a Better Credit Score Worth Exposing Your Bank Data?
- Lastly, and MOST importantly, set up weekly automatic bill pay through your bank or through your card account for any/all of the cards that you have set up. That way you don't get hit with a big ol' bill at the end of the month, or accidentally spend more than you have.
These are just a few tricks that I use to better spend and save my money, and I just wanted to share some of what I have learned. Hopefully, it's not a bunch of "I already know that" kind of stuff...
Hopefully, you found at least 1 thing useful from this post 
Feel free to comment/share any other tips and tricks you might have! 
