I like cashing in “rewards” dollars on my credit cards as opposed to buying merchandise or gift certificates. The two credit cards I use the most have decent rewards and allow you to simply take points and turn them into a payment.

Even taking $25 feels good, although $50 feels better. Shaves a bit right off that balance. Free money! YAAAY!

And yes, I know it’s not really free money. And I know credit cards are expensive. I actually use mine as much as possible so I can get the rewards. The flip side to that not being a problem is paying the balance in full each month. Otherwise interest will eat you alive and negate the rewards and more.

In the meantime, my Amex bill shrunk by $50 today and all I had to do was click a few buttons.

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