Author: Kevin Mulligan

Kevin holds an MBA and has been sharing tips on avoiding debt and earning more income for more than four years on top personal finance websites. He's a big believer in spending less than you earn and tracking your finances through budgeting.

Explore the hidden dangers of accumulating airline miles and hotel points indefinitely. This piece reveals why promptly utilizing your rewards, rather than hoarding them, ensures you get the most out of every point earned, navigating through the risks to unlock the true value of loyalty programs.