We use our credit card to pay for a lot of things & pay it off monthly. I am slowly getting used to paying some bills this way instead of mailing checks for the water, utilities etc. This earns points on our credit card, which we use when we go visit family. This summer we had enough points accumulated to buy round trip airline tickets for our daughter and grandkids to come visit.
We also use the envelope system to save for vacations and Christmas. This takes the stress out of the holidays. We have already decided what we’re spending on our kids/grandkids and have saved for it all year.