I started my mission retirement by creating my own mindful money technique. I created a spreadsheet with all my debts and base income. I only have my income and my 21 yr old daughter lives with me. She doesn't pay rent but contributes to the household and pays her portion of insurances and cell phone. I still use a credit card but only to pay for utilities, groceries, and my print on demand business. I have a cell phone plan that pays for extras like my netflix and other streaming services. I can use the monies budgeted for these things, earn cash back and make the payments at the same time. This allows me to put $$ into savings or my household "cash flow" account. In a year, I have raised my credit score almost a hundred points, and paid off a few higher interest credit cards. Thank you for sharing this. I have other options to look at now.