6. Switch Credit Cards

Credit cards are an excellent way to build your credit, which in turn means that when you have to borrow money for a house or a car, you'll get a lower interest rate.

So why not get one of those really low-interest cash-back credit cards (like one from Capital One), use it for everyday purchases, then pay them off at the end of every month, and get that cash back?

You'll build your savings and your credit.

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