I have a credit card that I love. It’s one of those rewards cards and it gives me points I can redeem for all sorts of items, gift cards, air plane tickets, and other things. I wouldn’t like the points so much if they came along with a pile of credit card debt. While we put most of our expenses on our credit card, we make a point of not spending more than we actually have. That way we can pay the card off in full each month, avoid a finance charge, and collect our points. We had been saving the points up for awhile to put towards a fancy TV for SciFi Man, but recently decided that it would be more responsible to put them towards my student loan, which is another of the nice rewards I can choose from. We saved up enough points to pay off over $1000 of my student loan debt, without actually getting into any credit card debt. That feels pretty good.