Paying for your rewards
Point cards offer some great perks—but only in the right hands. Bruce Sellery says they’re not worth it if you’re spending just to collect the rewards.

Point cards offer some great perks—but only in the right hands. Bruce Sellery says they’re not worth it if you’re spending just to collect the rewards.

Here’s how to redeem those points and earn savings on the items you need.

It’s the little things that inevitably push us over-budget and have us dipping into our savings to come out even.