I always use coupons and rewards programs credit card to save money, I know and I am aware that credit card have high interest rates so you can save like 5% and pay 22% in credit card interest rates but I don't spend much on my rewards credit card to avoid paying interest rates!
also coupons I always taking coupon from store to save money, why to spend another $20 dollar for free if I take use those $20 dollar to buy other product or services and save money!