Being Perfect Doesn’t Feel As Good As I Thought It Would

Perfection. Whether you’re a gymnast, ice skater, high diver, bowler or even a student getting back your exam, there’s just something special about getting a perfect score.

For some in the points and miles world or even those who care about their credit score, there’s something special about getting a perfect credit score. Now, having a perfect credit score doesn’t get you anything. I’m sure that there are those who would argue that if you have a perfect score then you’re leaving plenty of opportunities on the table.

Having a perfect score doesn’t open any doors for offers that a good or great score doesn’t provide. You’ll still be approved, or denied, for credit based on the criteria each bank applies to new requests.

So I never really paid that much attention to our scores, just a causal check every month or so to make sure something funky isn’t going on.

Imagine my surprise when I saw this.

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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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