Are you in debt now and want to be debt free in 2013? Maybe not that easy, but here's a list of things suggested by DebtConsolications.com that you can do to cut down your accumulating debt:

1. Leave your credit card at home

We second this approach if you're not a disciplined shoppers and tend to buy more with a credit card in hand. However, for disciplined shoppers, a cash-back credit card with no annual fee save you money rather than costing you more, if you always pay credit card bill on time.  

Is it worth it to pay extra 10% to 15% for the travel delay protection and luggage lost insurance?

I had no idea since when I had enrolled in these insurance plans or protection plans via American Express. As a AE card holder, they said some time back at some point, I 'agreed' to enroll in these programs (baggage insurance, airflight insurance, travel delay) therefore every time I charged my flight tickets on my AE card, the corresponding fees will be posted, automatically, without my consent. This is bad ... and wrong.

So, if you tend to use AE card for travel related purchases, check your AE statement and see if you notice these charges after you booked your flight tickets. Recently, I was charged with extra $100+ for my planned trip and I had to call to cancel the charge before the flight. I'm glad I caught these unexpected charges. If you do want these protection plans, just make sure you know you had them and remember you're entitled to claim.

The state I live in - California - is averaging the highest gas price per gallon in the continental U.S. these days, according to the Gas Price Chart available on GasBuddy.com where you can check out the average gas of your area down to the county level. As the price at the gas pump rises steadily exceeding $4.25 per gallon in my area as of May 2012, I'm all into knowing ways to save money on gas.

I was invited by a friend of mine, who works at Apple and designed the iPad, to his house. During dinner, he flashed a self-made card from his wallet and I asked what it was. It turned out to be a cheat-sheet of rewards of many credit cards that he and his wife share.