I’m no fan of credit. Anything you buy with borrowed money usually costs more than the price on the label… plain and simple.

But I believe for people who are self-disciplined, credit cards have a place. We are all (probably) adults, right?

I’ll shortly fly return to Europe with my family of four, purely on card points… and while there, we’ll have the cover of our complimentary credit card insurance (which can, in this case, also be triggered by accommodation spend on the card).

Over the three years it took to collect the points, running every possible expense through the card, I’ve paid $0 in interest, $450 in annual fees and our saving will be close to $10,000. Money for nothing is a rare and beautiful thing.