How I Spread Out Our Credit Card Spending For The First Half Of 2019

It’s now the second half of 2019. Besides being a good time to look at how we’re doing on our New Year’s Resolutions (I’ve joined a gym but I’m not going as much as I’d like), it’s as good of a time as any to look at our points and miles situation.

Some bloggers are looking at their progression on qualifying for status with airlines or hotels (Ben from One Mile at a Time wrote about his progression, and congrats to him for figuring out it doesn’t pay to be loyal). Since I couldn’t care less how many nights I’ve stayed at a hotel chain or how many miles I’ve flown with an airline, what can I look at?

After sign up bonuses for credit cards, ongoing spend is the next most important way I accumulate points and miles. Looking into where I’m putting that spend and if it fits the plan I have for our points earning is a smart thing to do.

Thanks to Quicken and some scrap paper, here’s a breakdown of our spending for the first six months of 2019.

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Hotel Review: Hampton Inn Ft. Lauderdale-Commercial Blvd – Tamarac, FL

Finding a hotel in Ft. Lauderdale is so frustrating for me. It only takes us about three hours to drive there so we’ll sometimes plan a quick getaway weekend. It’s just far enough away that driving there and back for the day is a pain (especially if we stay late for something), but it’s still close enough to home that we don’t want to spend a bunch of money for a hotel room for one night.

All of the hotels near downtown charge extraordinarily high rates and some of them even charge an additional resort fee as well as mandatory valet parking. I learned this when a free night at a Hilton ended up costing me over $65.

As this was going to be a truly quick trip, I had a few main requirements. The room would preferably be free and relatively close to Ft. Lauderdale. After looking with IHG, Hilton, Marriott and Hyatt there were no good options to redeem points. Even the base hotels were costing a tremendous amount of points in relation to the cash price. Since it looked like I was going to need to pay for the room, I focused on Hilton since Sharon needed a stay to keep her account active. I found a decently priced hotel and booked it for the night, and figured out a way to get it for free, while I was at it.

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