I have ten credit cards, but I have never ever paid credit card interest - not even a penny.

While most people who have numerous credit cards run into debt, I do not. Credit card can be our best friend if we make good use of it. Most credit cards have cash back or rewards program - when we use credit cards to make purchase, we get 'paid' by banks.

This is one of the ways we can save money. I get ten credit cards because different credit cards have different cash back programs, and I want to maximize the benefit of using credit cards. For example, I use Uber Visa Card to dine out because I get 4% cash back in restaurants, and I use Costco Anywhere Visa Card (issued by Citibank) to fuel my car because it offers 4% cash back from purchase on gas station.

In our daily life, there are a ton of ways to manage money. Money management requires skills and knowledge, and this topic is called personal finance.

Unfortunately, personal finance is not taught by school at all. Most people, regardless of their income and education level, run into debt because they don't have sufficient knowledge to manage money. Another fun fact is that most professional American athletes are bankrupt after retirement, even though they earn more than $10 million in their career.

Therefore, I have a belief:

MONEY IS USELESS UNLESS ONE KNOWS HOW TO MANAGE IT.

If you want to start a journey of money management with me, please follow me @moneyhacker on steemit.