25 Tips to Save 20% for Your Retirement with No Effort

16. Shop With a Credit Card That Offers Cash Back

If you have a credit card that offers cashback, it’s time to make full use of it. Whether your next expense falls in the want or needs category, do it with this specific type of credit card and spend less money in the process.

Compared to regular credit cards, however, these come with higher annual percentages so you might want to avoid going out and getting one for the cashback alone- though this might be a smart strategy for some shoppers!

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