Very, very simple concept here: use credit card rewards to your advantage.
VERY IMPORTANT:
YOU HAVE TO PAY OFF YOU BALANCE WEEKLY!
This is expert level: self control.
This idea works very well when you are already paying this amount every month. A great example is your cell phone bill or car insurance. I run these through my 1.5% cash back credit card and then pay the balance off just days later. THIS WILL NOT WORK IF YOU ARE ALREADY BEHIND!
Again, I cannot stress this enough. Irresponsibility will put you behind real fast.
If you ever for a moment...