Act 42

Don’t just collect points, use them too.

You might be surprised how many points you’ve got and what it entitles you to. Don’t save up too long – or they’ll expire 😦 – and it might be unrealistic to hold out for that round the world trip. Air miles and points are great for small things too such as gift cards, small appliances, lift tickets or even airline tickets.

Some loyalty cards give you access to cheaper prices on future purchases. Every little bit helps. And they won’t do you much good sitting comfortably in your wallet. Until such time as you can use them to pay your utility bills or make credit card payments, just use them for things you’d have to buy anyway. It’s an opportunity to save that you’ve already spent for, so use ’em or loose ’em.