Queen of free: Using reward points offers added bonus

Everybody wants something for nothing. Believe it or not, every once in a while, that wish can come true. Reward points are a great way to snag everything from gift cards to movie tickets and more.

Everyone probably knows about collecting airline points and credit card rewards (you know how I feel about credit cards, no reward is worth being in debt), but here are a few of my favorite reward programs and how to best maximize them.

All are free and easy to use. If you use any of the following programs, it might be a good time of year to cash in those rewards to supplement your Christmas shopping budget.

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