Now that the holiday shopping season is in full swing, many of us are experiencing an increased level of anxiety over the bills that are pilling up. Don't panic! There is a way to curb this anxiety and actually save money every time you pull out your credit card.

Charge cards have come a long way from the original frequent flyer programs and many offer cash back rewards. This holiday shopping season, take those cash back rewards and apply them to your mortgage principal, saving you long term interest costs, or put the cash reward in a savings account towards the down payment on a new home. Either way you save while you spend. Happy shopping!