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1, I am using revolving credit to save interests on my mortgage. My bank can pool all my bank accounts and my parent's bank accounts together as my revolving credits provided all the bank accounts are from this bank. 2, I have been putting $100 per week aside since my child was born. By my calculation, my child will have at least $100k kick start in her life by the time she turns 20. This could be a big help at that time. If you don't save this $100, it will be easily spent. 3, Not only putting money in the bank, but also invest in share market. The return is a lot higher than the bank. 4, Don't put all eggs in one basket, spread out your investment. 5, Always pay the closing balance rather than the minimum payment on your credit card by the due date.