Also as part of this, I want to get a credit card with good miles for rewards and then GAME THE SYSTEM. Transfer my AmEx balance (currently has a REALLY bad APR – in the 20’s) for a 0%-for-18-months deal. Eventually, once the balance is PAID OFF, I want to set it to automatically pay utilities that take credit (phone bill, internet, possibly more?) and then automatically pay the card from my checking account in that exact amount each month.

So, basically, earning miles on utilities.

Hopefully we can take our 10th anniversary Caribbean trip for free airfare this way! :)