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Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information.

you’ve got the option to read more about oureditorial guidelinesand our products and servicesreview methodology.

You might be wondering how you’ve got the option to do the same.

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Luckily, there are several tips and tricks to get you there.

Ditch your Credit Cards

Many people rely on credit cards as their emergency fund.

However, this is a huge mistake that can sink you deep into debt.

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You could be tempted to spend more just to get extra rewards.

Being debt-free means having financial autonomy.

However, credit cards should never be used as an emergency fund.

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