She saved $30,000 in two years by following three rules. She also pays her credit cards in full every month, assuring that she never has high-interest debt. She was able to save $30,000 in two years by saving more than $1,200 a month. My mother-in-law likes credit cards and doesn't think they're bad — if used the right way. She personally has two credit cards and recommends that before we apply for new credit cards, we ask ourselves if we really need that new card.

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