I don’t know about you, but the idea of Black Friday never excited me much. I get chills just thinking about standing in line with a crowd of people just to fight my way through a crowded store to possibly get a TV for half price. Not my idea of fun, and not just because we hardly ever watch TV at home anyway. You get the idea. Needless to say, I’m not the target audience for the traditional Black Friday sales.
When the consumer-created shopping day of Cyber Monday developed, I didn’t get the appeal either. That’s mainly because when I go to work on the Monday after Thanksgiving, I have work to do and no time to shop online. Apparently, many other people do and now we have a week full of sales from Pre-Black Friday to the newly coined phrase ‘Cyber Week.” but as a Dr. Who fan I’m not sure I like that one as it reminds me too much of these guys.
Continue reading “Three Ways Save Big On Amazon’s Black Friday Sales”
Going on an international trip is very exciting but it can also be very expensive. Using a credit card to pay for purchases when traveling internationally is often the best way to get a good exchange rate and the rate your bank gets will be better than the one you’ll get on your own if you exchange cash. Using a card also means that you don’t have to carry around a bunch of cash with you. However, many cards will add on a “foreign transaction fee” to any transactions made with anything except your home currency. Here’s an easy way to keep from paying that extra 2-3 percent on all of your purchases while away.
Continue reading “How To Avoid Extra Credit Card Fees During International Travel”
One of the only reasons I put any spending on my Discover card is the rotating 5% cashback categories. Every three months they have a category, or categories, where you can earn 5% back on the first $1,500 spent. That’s a max of $75 back and that’s not bad for a card with no annual fee. You can net $300 per year if you max out each category.
I’ve been a bit underwhelmed with the offerings so far this year, mainly because I can earn about the same amount or more with other cards.
- Jan – March – Grocery Stores
- April – June – Gas Stations, Uber & Lyft
- July – September – Restaurants and PayPal
However, I am excited about the category for October-December. No question that it’s designed to arrive just in time for holiday shopping.
Continue reading “Time To Sign Up For My Favorite Discover 5% Cash Back Categories Of The Year”
Every once in a while, I like to go over which cards Sharon and I are carrying in our wallets. Doing so gives you a look behind the scenes of how to put a plan of earning points and miles in practice. We each have a different approach to earning miles and points. I try to earn the maximum points for each transaction without too much effort, and her desire to exert the least amount of thought into the process (Note from Sharon: Hell yeah! LOLOL!), the cards we carry are different.
There’s a method to my madness, as I manage to balance the two approaches and come to a plan where we maximize earning while minimizing effort (and still keep our marriage together). (Note from Sharon: Again. Hell yeah!)
Writing this post also forces me to evaluate if I’m actually doing what I say I’m going to do or seeing that I’ve gotten a little lazy (which I had). After some shuffling, here are the cards that now reside in our wallets.
Continue reading “What Credit Cards Are In Our Wallets (September 2019)”
I know watching the news stories about the devastation in the Bahamas caused by Hurricane Dorian can make you feel helpless. After a while, you just feel numb and you want to do something, do anything, but don’t know how you can help.
Luckily, most of the airline and hotel programs are making it easy to contribute in any way you can. Even if you don’t have the cash to spare, you can donate those random points you have here and there to the recovery effort. Even better, you can donate points if you have more of them than you know what to do with. Face it, it’s better to donate them than redeem them for some magazines that you’ll never read, overpriced luggage or an Amazon InstaPot. Continue reading “How to Donate Your Miles and Points to Support Hurricane Dorian Victims”