Happy new year

Happy new year to everyone! I hope that this year will be a very prosperous year for everyone. I highly recommend that one of your main goals this year should be to try to get out of debt if you have any as this is the first step in building any type of debt. You never hear from millionaire's who use their credit cards just so they can get some 'point's. Why do you think those credit card companies invented the points system? They know that by offering you 'points', then you would spend more. So get with it, make your new years resolution to get out of debt!