Use a credit card whenever possible to earn points or miles. Use the credit card which gives the best benefits for the category of the expenses (dining, utilities, transport, entertainment, shopping and insurance (especially if it is the largest expense). Make sure you don't need to spend a minimum expenditure that is too hard to hit in order to get the significant rebate or benefit, spending over your budget just for the rebate. Never pay for annual fees, always negotiate for a fee waiver. Maintain a spreadsheet of inflows of funds and expenses under specific categories so that you can focus on how to minimise expenses/increase inflows in those areas. Over a longer period, you will have a very good idea and trend of inflows/outflows and be able to better manage your spending against your income. Read up useful websites on tips on how to put on cards to better use e.g. Milelion and learn from the experts, and Seedly of course, to discover ideas on better management of personal finance matters from like-minded individuals! if you see a reasonably promising contest on Facebook, worth your time and effort, try taking part. You might just win yourself a voucher or prize!