Hubby and I have few credit cards respectively. Recently, we got another new credit card approved. Since the credit card is waived for annual fees, so hubby decided to get it and thought to cancel it after a year. Well, because of that I shop a lot lately. I will control myself from overspend it as I don’t want to burden my hubby to pay for the bill monthly.

Now, bank offer many promotion like cash back credit cards for those who needs cash urgently. It is one of the good idea as to get the money for personal, business, health or home improvement. Another way to reduce debts is through balance transfer credit cards which means transfer all your balance in different credit cards to only one credit card. This is what my hubby think to apply it now as it can save a lot.