One of the best ways to stay on track with your weight loss and savings goals? Regularly reward yourself for your efforts. "Choose a credit card that offers healthy ways to redeem points," Heckathorn suggests. "Have you always dreamed of enjoying an "exercise vacation" at a health spa where you do yoga twice a day? Choose the credit card, manage it responsibly, and you could make it happen for free."
Take action: Look for a credit card that offers you rewards you'll actually want to use, like the Chase Sapphire Preferred Card. New cardholders can currently earn a sign-up bonus of 40,000 points after spending $3,000 during the first three months. That translates to $500 in free travel (a Bikini boot camp, perhaps?).