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What is the best way to save credit card surcharges?

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What are the best ways of spending money apart from spending just on shopping and entertainment? When can spent money be never regretted? Add your feedback please.

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Can I claim child tax credit for my son born on December 31?

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Is a credit card statement considered a viable replacement of a receipt for income tax documentation of expenses or are credit card slips still required?

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Is commission rebate from the buyer's Realtor to the buyer a taxable income? Transaction was done outside of the escrow and 1099-Misc (Box 7) was issued to the buyer following January. 1) is this taxable income for the buyer and 2) if so, is he responsible for SE taxes as well?