Are you currently making payments towards a mortgage? If so, do you know what the different parts of that payment are comprised of? Most commonly, there are 4 different parts that make up a standard mortgage payment and those 4 parts are often abbreviated into PITI which stands for Principal, Interest, Taxes, and Insurance. Principal and […]
Category: Churning
Auditing Our Points, Miles, and Long Term Churning Goals
Taking a step back every once in a while and evaluating your goals is important to make sure you’re still taking the right actions to meet them. In this case, I thought I’d take a step back from our points, miles, and credit cards to see if we’re still focusing on the right items. The […]
Nav Review: How to Check Your Business Credit Score (and More) for Free
Recently, I applied for a new business credit card and was denied based on data in my Experian business credit report. After calling to ask for reconsideration, I was first told that there was a negative mark on my business report and there was no way to get approved! This was rather concerning because I […]
My New Favorite Everyday Spend Credit Card – 2.5% Back Everywhere
Regardless of our attempt to put all of our spending towards signup bonuses, there will always be extra spend in-between new credit cards that we can’t fit into a 5% bonus category. I recently went into great detail on how we distributed our spend across credit cards last year to earn an average 14% back, but part […]
How We Booked Our Trip to Spain with Points, Miles, and $465
The next big trip we have coming up is a long week in Spain and I thought it would be useful to break down how we booked both the flights and hotels using points, miles, and a little cash. We’ll be spending 7 nights in Spain spread across 3 different cities with everything from long-haul […]
How We Averaged 14% Back On Our Everyday Spending Last Year!
Recently, I broke down exactly how much money we spent last year and mentioned that we are pretty good about maximizing our return on that spending with the use of credit cards. I thought it would be fun to break down exactly what kind of return we got from that spending and on which cards. […]
How Flexible Award Bookings with Alaska, American, and IHG Saved Our Upcoming Trip
Booking trips with miles and points has more benefits than just saving you money. Most award trips increase the amount of flexibility you have after booking, just in case you need to make any last-minute changes for any reason. With standard travel booking, you usually have to pay a hefty premium in order to get […]
Random Musings as 2016 Comes to a Close
I haven’t published a post in a while, so I thought I’d close out 2016 with a few things that are on my mind at the end of the year. Expect my high level thoughts on our spending, credit cards, financial independence, and more.
What Over $2,000 in Annual Fees has Earned Us This Year
When I first started signing up for credit cards to get crazy cheap flights and hotels, my primary goal was risk aversion. Despite plenty of research on the process, there are still a lot of unknowns signing up for that first card simply because I’ve never gone through the process before. Overall, the risks are […]
‘Tis the Season for Amex Offers
If you have at least one American Express credit card, this is the time of year you’ll want to be sure to pay attention to the various Amex Offers that are available. There have already been some very profitable ones and there may be more to come! The best ones will fit with your regular […]