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Use a Rewards Credit Card Instead of a Debit Card

Reddit user thefingolfin says:

For those who have a good handle on their spending, "use a rewards credit card instead of a debit card. I fully understand this is not a good idea for some people. I could tell you several of my friends who I would specifically recommend to not use a credit card. However, in my situation, where I have great mutual accountability between me and my wife, the $300 sign-up bonus and the one to five percent cash back on purchases has been a nice source of extra money and hasn't increased our spending at all."

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