Introduction
To start building wealth, most people simply need to change their mentality. 
MoneyDecisions101 will open your mind to help you focus on your financial future.

One way you can put some extra money in your pocket is by using a credit card wisely. 

How?
There are many rewards credit cards available that provide Cash Back (usually around 1% to 5% of selected purchases). This is typically done by earning points on purchases made on the card.
Once you earn enough points, you turn the points in for a cash or other merchandise.

Imagine, who will let you borrow money for up 30 days with no interest, help build your credit, prevent you from having to carry cash, track/log all your transactions electronically, and allow to to earn cash back all for FREE?! Answer: Most major credit card companies.

I do this every day using a Cash Back credit card and good spending habits. That means, I pay for everything I can with my credit card, BUT I ALWAYS pay off the balance every month! 
***Let me repeat... I always pay off the balance every month!***

From my credit card purchases, I let the points build up to at least 25000. How? I pay everything possible with my card, including bills, gasoline, and food. Then, when the points get to at least 25000, I go online, and use those points for Cash Back. My credit card company then sends me a $250 check in the mail (25000 points=$250). I then deposit the check into my checking account to earn interest (more about this interest in the next chapter).

So, basically, my credit card company has never made a penny of interest from me, yet they pay me hundreds of dollars every year! 

NOTE: again, remember, this is only beneficial if you pay your balance off every month! 
Why?
It makes no sense to earn 1% to 5% cash back, if you are paying 12% to 18% annual interest!
 

Here are ways for you to make money:
 

Credit Cards	Interest Accounts	Retirement Accounts	Mutual Funds & Stocks
Online Businesses	Small Businesses	Real Estate	Online Banks