Hello! I am Charlie.
I read somewhere that about half of Americans have more credit card debt than their savings.
Are you one of them?
I started this blog to share my experience with credit cards, how I used to carry a credit card balance ignorantly paying ridiculous amount of interests, and how now I use credit cards to get cash back, sign-up bonuses, and improve my life by getting awesome free award flights and hotel nights.
As I wrote more in this blog and connected with other bloggers, I’ve become increasingly interpreted in personal finance in general, including investment, maximizing dollar value, early retirement, passive income etc. So my focus on the blog is slowly evolving as my interest shifts. Now I’m writing this blog to keep track of my personal finance journey, my thoughts, and hopefully what I write here will be of value to you.