Travel credit cards used on a regular basis while paying the statement amount in full each month will save you thousands of dollars in travel benefits down the line.
Also, there are credit cards that will let you charge stuff and wait a year for each individual charge (over some amount like $400) to pay it off. Basically it is free money for a year.
The most important thing if you are going to take advantage of benefits though is to make sure you pay statement balances or revolving charges in full when due. Otherwise one can get themselves into a lot of trouble.
Its only money.... you will make more tomorrow. Enjoy life. I am always one to be responsible with my money, but also enjoy the fruits of my labor. I always say, who says I get the PRIVELDEGE to retire. Some don't live long enough to even get there. So it's worth enjoying life, throughout life. As you never know when its your time to go.
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