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To grow savings without taking money from your budget, consider using cash-back credit cards or bank bonuses to start your emergency fund

The Chase Sapphire Preferred Card and the Chase Sapphire Reserve are both fantastic credit cards, with valuable rewards and useful benefits.

While the Sapphire Reserve offers additional perks, it has a higher annual fee — $550 — versus the Sapphire Preferred's $95 annual fee. It's worth keeping in mind that some of the Reserve's benefits cancel out much of that fee. Another factor: The $95 Sapphire Preferred recently increased its sign-up bonus offer to 60,000 points when you spend $4,000 on purchases within the first three months.

 

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credit cards and banks are legal scams made to profit off the people with their own money.

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