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Now that I m debt-free, I m focused on saving money for retirement any way I can. In 2021, I plan to open and use cash-back credit cards to boost my earnings. Between big welcome bonuses and spending on everyday purchases, I ll get even closer to my yearly retirement savings goal. I ll time my card applications to coincide with planned large expenses and use them to meet the minimum spending requirement for the welcome bonus. After living for more than a decade with over $80,000 of debt, this year I finally became debt-free. I was able to claw my way out of debt by being diligent about spending mainly on necessities, with occasional splurges, especially while paying off the final $30,000. 

United statesCash backBusiness insiderDouble cash cardChase freedom unlimitedChase freedom flexDouble cashTransfer offerBalance transfersCiti flex planFlex planஒன்றுபட்டது மாநிலங்களில்பணம் மீண்டும்வணிக உள்இரட்டை பணம் அட்டைதுரத்து சுதந்திரம் வரம்பற்ற