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You are losing free money every single day. Most people don’t realize this. First, use a credit card for things you already buy, like gas and food… but always pay it off in full. No exceptions. Second, choose the right card. Some cards give you three to five percent cash back on everyday purchases. Third, take advantage of sign-up bonuses. Some cards will give you two hundred to eight hundred dollars just for spending what you already planned to spend. If you’re not doing this, you are literally