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Cashback Monitor guide © Westend61 / Getty Images Man wearing headphones using computer Fixing one s finances is a perennially popular New Year s resolution, and 2021 is no different. For the 43 percent of Americans who planned to make a resolution for this year, according to a CIT Bank/Harris Poll survey, ramping up savings or creating a budget were among the top three choices. That said, you don t have to be an official resolutioner to start making smarter money moves. Maybe that means trading in a credit card for one that earns better rewards in categories more aligned with your spending habits. Or perhaps it s finally time to get into the game of using your credit card points and miles for free trips, just like all those travel influencers you follow on Instagram. (Seriously, how do they do it?)

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