There is such a thing as good and bad debt (a mortgage on your home versus high-interest credit cards). Cash flow. Your cash flow is the money left over after you’ve covered all your expenses ...

According to the Federal Reserve Bank of New York, total American household debt equaled $16.51 trillion ... to improve your credit score, maximize cash flow and rack up rewards points.

Imagine having $70,000 in credit card debt, you'd be in a rough position ... would slash your interest costs and improve your ...