Pump up savings by using credit

“Using a credit card (like the Capital One SavorOne Rewards or the Chase Freedom Unlimited—both pay an unlimited 3% cash back on dining purchases) on a $35 take-out order would put $1.05 back into your wallet. Have an American Express card? Visit AmericanExpress.com and search “shop small” to find take-out places where just by using your Amex card you’ll net up to four times the points, earning you up to $220 in statement credits!” —Brian Martucci, moneysaving expert at MoneyCrashers.com