I haven't paid interest on a card for 8 years now. I use my cash-back cards for purchases, but I've never considered using them for my utilities.  I'll have to look into that. I use my cash back to help pay the credit card bill. 

 I keep a paper pad to write down things I'm getting low on. I call it my "If On Sale" list. I check to see if anything on that list is on sale at either of the nearby grocery store that week by checking their websites. If I need something that isn't...