How I’ve Earned Over $2,500 In Credit Card Rewards In 2015

How I’ve Earned Over $2,500 In Credit Card Rewards In 2015We’re barely halfway through the year and I’ve already earned over $2,500 in credit card rewards. Each rewards credit card that we have has earned us between $450 to $875 this year!

I’ve earned this without paying any interest charges and by just spending the normal amount I spend each month.

I also plan on doing this many more times this year. In fact, we already have over 10 rewards credit cards between the two of us and we are looking for the next credit card that we want to “churn” right now.

Some of the rewards credit cards I have churned in the past few years include:

  • Chase Sapphire Preferred – We each have this one and it has given us over $1,000 cash back.
  • Southwest Cards – When we signed up, we received 2 free roundtrip flights per credit card.
  • Chase Freedom – This is a great credit card that often has 5% cash back and it was one of the very first credit cards we churned for the sign up bonus.
  • Chase Ink Bold – This one gave me $875 as a sign up bonus and in rewards after just 3 months of normal use.
  • REI – This only had a $100 sign up bonus but you also receive 5% back on all REI purchases and there is no annual fee. Stacking the 5% on top of the 10% we get for being REI members is a great deal!

While I love using credit cards to my advantage and earning credit card rewards, I know that many have no idea what this even is or how to take advantage of the current credit card offers that are out there. Occasionally when I break out my credit card to pay for something, someone will mention how I shouldn’t go into credit card debt, so I know there are many out there who don’t know how to use credit cards to their advantage.

Below are my tips for earning credit card rewards. Hopefully with the tips below you can learn how to use credit cards to your advantage and start earning credit card rewards. [Read more…]

We Bought An RV!

We Bought A Class C RV - The Winnebago Itasca Viva!Well, we weren’t a one vehicle family for very long. We bought a Class C RV, the Winnebago Itasca Viva, the other day.

You read that correctly.

WE BOUGHT AN RV!

Now, this wasn’t just a random, spur of the moment decision. We have been thinking about buying an RV for over a year now.

We have done an insane amount of research, we have watched and read countless RV videos and websites, and more. We’ve thought about maintenance expenses, fuel costs, emergency repairs, RV parking, RV campgrounds, laundry, wifi, and so on.

We ended up buying a Winnebago Itasca Viva, which is a Class C RV. We thought about getting a Class B RV but decided on a Class C RV so that we could have a little more space.

Some of the reasons for why we decided on the Winnebago Itasca Viva include:

  • It’s not a huge motorhome, but it’s enough space for us at 24 feet long. We will be traveling with our dogs and there is plenty of space for the four of us.
  • It’s not hard to drive and it doesn’t get absolutely horrible gas mileage (it’s very similar to the Wrangler we used to own).
  • There’s a full bathroom with an actual shower, toilet, and sink.
  • There’s a bed. There’s actually enough room to sleep 6 in our RV. Who wants to join us?
  • There’s a kitchen with a big fridge, freezer, sink, stove, and microwave.
  • It has a dining table with plenty of space for me to work.

As you can see, the RV we chose is pretty amazing! We really love it and have already taken some day trips to test everything out.

Now, some of you may be wondering why we bought an RV in the first place. Below are some of the reasons we decided to buy an RV. [Read more…]

Digit Review – A New Way To Save Money

Digit Review - Use The Digit Savings App To Save Money Today (1)Earlier this month, I published the article 9 Actions To Take To Trick Yourself Into Saving MoneyWhile some may find it easy to save money, I know that not everyone does.

This is where my Digit review comes in. Digit is a new FREE service that I recently heard about from many different people, so I knew I had to look into it and give it a try. I’ve been using it for a few weeks now and already love how easy it is to use.

The Digit savings app allows you to automatically save money. In fact, Digit helped their customers saved $4,000,000 just in the month of June.

With the Digit savings app, you link up your bank account to Digit and every few days Digit looks at your income and spending habits to see how much you could possibly save. Digit then automatically moves money from your checking account to a Digit savings account.

Whenever you want and/or are ready to, you can then withdraw your money from Digit quickly and for free. This can be a great way to save money and before you know it you may have saved up enough for whatever your goal may be. Having a separate savings account for a financial goal works very well for many and this is why I like the Digit savings app so much.

Below are some questions you may be wondering about. [Read more…]

What To Do If You’re A Victim Of Identity Theft

What To Do If You’re A Victim Of Identity Theft (1)

Recently, I went to the state license office. When I was called up to the worker’s desk, I was asked to say my address, along with my name, age, and social security number. They wanted me to say ALL OF THIS out loud in a crowded room.

If someone was paying attention, they could have taken down my information and done serious damage. I asked if I could write my information and show it to him instead, and while they were not too happy with that, he agreed (he gave me the paper back, so I was able to shred it). The person that my husband had didn’t ask him to say his information out loud and he was given a form to fill, so I’m not sure why I wasn’t given that as my first choice as well.

If I wasn’t careful, this could have led to me becoming a victim of identity theft. Little mistakes or even something that is no fault of your own may lead to you becoming a victim of identity theft as well.

Sadly, identity theft impacts over 16 million people each year and that number is expected to keep growing.

Related article: Identity Theft Impacts Millions Each Year, Could You Be Next? [Read more…]

5 Great Sites to Make Some Side Cash

5 Great Sites to Make Some Side Cash (1)I believe that making extra money can change your life. Whether you are only able to spend a few hours each month on making extra money or if you have enough time to spend a few hours each week, I believe it is a great idea.

Luckily, there are many ways to make extra money too. Below are 5 great sites to make some side cash.

Related articles:

1. Pinecone Research.

Pinecone Research is a company that I use to complete surveys. I have personally used them several times, so I can honestly say that this company is a legitimate company to use and they do actually pay.

They pay you for each survey you complete and they also occasionally send free products to review! No, completing surveys won’t make you rich, but it can be a flexible way to make some side cash.

Click here to sign up for Pinecone Research. [Read more…]

Blooom Review – A 401k Manager

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“One of the best online tools for retirement planning.” – The Wall Street Journal

“Making the complex world of 401ks more comprehensible.” – Forbes

“One of the World’s Top 10 Most Innovative Companies of 2015 in Personal Finance.” – Fast Company

All of the quotes above are referring to blooom, which is a company I believe can truly help many with their retirement. [Read more…]