It can be daunting to find, compare, and then apply for the best reward credit cards. American Express, Citibank, Chase, Discover, Capital One, Bank of America, and other credit card companies offer dozens of competing Visa, MasterCard, AmEx, and Discover credit cards. Their credit cards' reward structures for cashback, frequent flyer airline miles, and points are a complex mix of tiers, limits, categories, and earning percentages.

The Credit Card Tune-Up calculator makes all of that easy. Just plug in how much you spend each month, press Enter, and you'll be presented with a list of recommended cards sorted from best to worst by your expected first-year annual reward. All reward currencies (miles, points, cashback) are translated into dollars for an easy apples-to-apples comparison.

If you have saved money or made money because of this blog, tip me. For $3 you get to download my seminars. They teach you how to save $130,000 over your lifetime by smarter spending, how to make an 11% return on your investments every year, and how to earn $800 a month in your spare time!

• Use salvage yards for replacement parts

  

  Automobile
• Only buy a car if your old car becomes unsafe to drive and isn't easily fixable, or the cost of the repairs is more than 75% of the cost of buying the same car in running condition
• Auto Emergency Kit: yellow/orange umbrella, flashlight, & duct tape - tape the flashlight so that it is attached to the umbrella shaft and pointing up - this turns the entire umbrella into a giant, lighted "traffic cone"
• Make Your Car Last 250,000 Miles