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The “stoozer” scoured the market for the best credit card deals, such as the zero per cent introductory rates offered by providers to lure in new customers.

They then drew down this money and put it into the highest-paying deposit account they could find. So the reward for your efforts – all that annoying paperwork and diary-keeping – could be considerable.

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They'd sought advice from a financial planner, started aggressively paying off their four credit cards, and built up a small savings account.

But after more than a year of careful spending, Glover's resolve wavered.

The 36-year-old nonprofit corporate sponsorship manager felt triumphant: "Like, I'm going to look so cute, and I deserve it," she says.

It was the fall of 2013, and after racking up more than ,000 in combined credit-card debt between the two of them over five years—the result of expensive meals out, friends' weddings, and impulsive trips—the couple had finally put their finances in order.

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