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Although business-class tickets typically cost twice as many miles as a coach ticket, if you paid cash, it could cost up to 10 times as much, making the purchase a very valuable use of miles.While you do have to pay taxes and fees, these business-class flights have cost me much less cash than the coach tickets I bought during my debit card days.

“Then get one credit card to work toward making it happen." In my case, I started with the goal of a business-class trip to London and used the British Airways Visa card to make it a reality.

Kelly explained why: "There is a small two- to five-point ding off your credit when you apply for a new card, but that is quickly counterbalanced by paying your bills in full and on time." Don't believe him?

He continues: "I have 30 credit cards, but my score is above 800 because I pay them off in full every month." (Note anything above 700 is generally considered good.) According to FICO, paying your bills on time is the most important factor for your credit score.

“Almost any travel goal is reasonable with points,” she said.

“Some just take a little longer to achieve than others." Brian Kelly, the founder of the popular site The Points Guy, breaks down the type of "redemption" an average person could get in one year: "50,000 points from a single sign-up bonus is the standard nowadays, though bonuses of 100,000 or 150,000 are possible." Then, you can potentially make many more miles in a single year by maximizing the amount of points you get for each dollar you spend.

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