Budget tips

You can do even better than that. I’ve been earning rewards on my credit card for many years now, I buy absolutely everything on my card and pay the full balance by direct debit each month. As long as you make sure to stay disciplined with your spending, it works perfectly.

If you’re interested, try the John Lewis Partnership card. You get points for spending everywhere, not just John Lewis. Then when you’ve got enough points, that item of furniture or new suitcase or whatever you need is absolutely free!

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