Some great tips. So many old sayings advocate these ideas too. "Look after the pennies and the pounds will look after themselves".

It's interesting how some things change from country to country though. For example, coupon clipping isn't really something you get in Australia and the UK. Credit cards are different too. Before we left the UK we did have a credit card where you could earn cash back, but it was a fairly new concept and not common. As the GFC hit I think companies stopped offering the points and cashback.

In Australia I would never recommend anyone get a credit card because you have to pay a fee just for the honour of it! I once read through an offer of a credit card that gave points reward, but the yearly cost outweighed the reward we'd get at the rate we spend.