My parents taught me from a young age how to responsibly use a CC. They even cosigned a cc for me when I was still in high school. The card had a low credit limit so that I couldn't do too much damage and they would of course keep track of the bill to make sure I paid it.

Now what am I getting at? Well I am a fan of Dave Ramsey but I still believe in credit cards for those who can keep them in check. I do also agree with his reasoning that when using a CC instead of cash you tend to spend more but that's why my wife and I have a budget.

So anyway, my wife and I each had our own cc for the last couple years and we decided what was the point. So, instead of dropping one of the two we decided to see who was offering some of the best rewards programs out there and decided to give the new Chase Freedom card a chance.

It matches our current card giving 1% back on everything with a bonus of 2% to a total of 3% cash back or points on your top three spending categories for the month.

Since we use our cc's for everything from bills to groceries to gas the cashback of a couple hundred at the end of the year helps.

The only drawback of the chase freedom card is for those who carry over a balance. The interest rate is 17%.

Anyway, anyone know of a better rewards card? I know there are some awesome rewards cards where the rewards are like 5% for the first 6 mos, I am not talking about those...

Just a slight rant...

This time of year drives me nuts. Not because I have to pay off the CC after Christmas or anything...

What drives me nuts is that I want my money back from the IRS and I am forced to sit here and wait for all the little tax documents to come visit me in the mail.

I am not sure how many of you wait till the last minute to file but I cannot stand waiting even a day once I get the final 1099 or w-2 to get my return filed.

I don't always expect a big check but 1k here or 2k there always helps. Sure, I try to give the least amount throughout the year and all but with my being military I never know how much of my pay will be tax free. So I am forced to go ahead and take a decent amount out.

Anyway, atleast I got my w-2. Now I just need to wait for my wife's w-2 and 3-4 1099-div/int/b or whatever else is coming. I am sure there is something else I am missing aswell...