Sublime

For instance, the number one mistake people make with their credit cards is carrying a balance, or not paying it off every month.

But I do want to zoom in on those two or three spending areas that vary wildly—and that I want to control. For me, it’s eating out, travel, and clothes.

want you to go on offense and choose the right accounts. It’s easy to do: Just look at the banks’ past behavior. The good ones simply offer better services and no fees.

Ally Online Savings Account (ally.com/bank): Also recommended. This no-fee savings account also lets you create multiple savings accounts, which will help your automation system. It has solid interest rates and works great.

In this book, I’ll teach you to go on offense with your credit cards, your banks, your investments, and even your own money psychology.

Your key takeaway: Call your credit card company and ask them to send you a full list of all their rewards. Then use them!

Today, most people pay their credit card bills online, but if you haven’t set up automatic payment yet, log on to your credit card’s website to do so now.