Are you only making minimum payments on your credit cards. There is a sentence on your statement you should read, and that tells you how long it will take to pay off the debt, if you only make the minimum payments.
One of my daughters is starting to work and has asked me questions about what she should be doing with her money. She is lucky, her student debt is not very high and she has… Read More »Does a Credit Card Appear Out of Nowhere?
The danger of setting auto-loading your loyalty card is that if it is hacked or stolen (like Starbucks) you could lose a lot of money very fast.