Put both your regular and "splurge" purchases on your frequent flyer credit cards. Most frequent flyer credit cards don't have limits on the amount of miles you can earn, so every dollar you spend can work toward your next vacation. Make sure you check with your specific airline miles credit card about their limit policies before you sign up with them.

Do you have a hefty rent bill each month? See if your landlord will accept credit to automatically earn airline miles each month. Have you had your eye on a new plasma TV? Treat yourself and know that your purchase is getting you that much closer to a free trip.

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