We use our credit card like a bank account in effort to accrue points.  The interest rate is crazy high I assume. In fact, I have no idea since we don’t carry a balance on it.  It is worth the risk because you accumulate points for purchases; however, we pay it off each month to gain as many points as possible. I exchanged a few recent “mypoints” for a pottery barn gift certificate. It came in the mail today. Yay! It is my present to myself. Merry Christmas, Mama!

I have been exchanging points for over ten years with this same company as I love the free money. Typically, I exhange the points at Christmas to use on gifts for other people. But, this year is different. I will let you know what I use my free money for.

Merry Christmas, Me.

 *photo from flickr