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Simply pay your balance off 100 % each month and get the bonus. If you want more income, start your own personal business. It could be small and about the side. Do what you do well at the job, but for some individuals or business. If you can type, offer to perform administrative work with small home offices, in case you are efficient at customer care, consider being an online or on the telephone customer care rep. You may make good money in your free time, and enhance your bank account and monthly budget. Your children should consider public schools for college over private universities. There are numerous highly prestigious state schools that can cost you a tiny part of what you should pay with a private school. Also consider attending college for the AA degree for a less expensive education. Reducing the number of meals you consume at restaurants and junk food joints could be a great way to lower your monthly expenses. 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Loans For 17 Year Olds