For most people, pursuing credit card rewards is a game of cat and mouse. You keep a watchful eye on your credit score, seek out the best offers, and strike when the iron is hot.
But that is just one component of the hobby; the other part of the equation is that it can be extremely exciting to watch your point balances climb. Obviously, the more credit card rewards offers you sign up for, the more sign-up bonuses you earn, and the more spending you complete over time, the more points you accumulate.
If you love to save like I do, it can be tempting to do the same with your points and miles and hoard them in the same fashion as you would your monthly paycheck. But there are a number of reasons why you shouldn’t treat your airline miles and hotel points like cash in the bank. Here are a few:
Before we had our first son I was terrified of how much it was going to increase our monthly expenses. I was already scrambling ideas in my mind on ways to make money fast to save for this new expense coming our way! We were decent at managing our finances, but I suddenly felt that […]
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Did you know that eight out of ten small businesses fail within the first eighteen months? I don’t know about you, but I find that number shocking. The fact that I started my first business over ten years ago makes the success that much sweeter when I look at that statistic. It never fails, I […]
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When I (or others) want to improve our financial situations, most excuses involve time. I am too busy to take on another job. I don’t have time to start that business I’ve wanted to start for the last three years. I wish I could really get my financial ducks in a row, but I feel like I’m already using every spare minute of my days.
While time budgeting and money budgeting share a lot of similarities, the interesting thing about time budgeting is that, while we all have the same number of hours in each day, we just don’t get the same number of days in our lives. As my life gets more full, I experience more challenges balancing the demands on my time. I want to use my time wisely so I have more time to do the things that really matter. And maybe, just maybe I will have time to start that business that I definitely was going to start in 2013. Ha.
Mind over matter
Itâs no surprise that an increasing number of people are deciding to have their investment portfolios managed by a robo-advisor instead of a human being. Robo-advisors cost less to use than traditional human advisors and yield similar results. Whatâs more, many human advisors now use algorithm-powered applications to help shape their investment recommendationsâso why not […]
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*Important Note: In 2014, Monumental Life insurance Company changed its name to Transamerica Premier Life Insurance Company. If you still have a policy with the name Monumental Life Insurance Company, you should have received some notifications in the mail. According to the to the press release, âItâs the same company, just with a different name, so […]
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I am a big believer in big goals and big plans. What better way to hold myself accountable for those goals than to write about them publicly! A few days ago I wrote about my goals and accomplishments in my amazing 2013. Now it is time to go over my plans and goals for 2014. … Read more
Your career in real estate can be as big as you want it to be, especially when supported by the right systems. No one knows this better than renowned Realtor Jennifer Wehner. Her new book, The Renaissance Real Estate Agent, outlines the best systems for scaling in this competitive industry. On todayâs podcast, Jen discusses the systems that helped her build a real estate business that sold over $200 million in volume just last year.