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About Me:

34 yr old female trying to keep it together. I call my financial life a work in progress because though I have always had frugal inclinations I only recently started on an informal financial education with an end goal to make my money work for me! Of course I can be weak. Thai food, traveling, self-justification and laziness eat away at my savings. But I am getting there. I think. I used to be very jealous of the Jones' but now realize that they are broke and stressed so I prefer my own progress and accomplishments. My life may not be flashy but I have seen the consequences of a high-end lifestyle. I count myself lucky to be alive and aware in these economic times because I have learned so much and believe that in the long run I will come out farther ahead from a little suffering now. As long as I am not regressing, then I am pleased.

Fun fact to help navigate my posts: BB = Baseball Boy. My husband.

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My November 2008 Wedding:
Total $23,630...Paid in Full! And had a BLAST!

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Quotes to keep me on track:

"Save FIRST and then spend the leftover, not spend first and save what's left."

"How you spend your money today effects the life you will live tomorrow."

Getting my $11.00

November 17th, 2008 at 02:47 pm

I have $11.00 in "cash back points" on my Discover card. The card has $0 balance and cash back points can only be deducted in multiples of twenty. I need to figure out a way to purchase an item- build my points up to 20 and then apply those to the card and pay it off. This way I can get the $11 I 'earned'.

But Discover is tricky- giving you double points on certain purchases and so forth.

I would need to be very careful one purchase at a time then going online to see the new points balance before making another purchase.

I don't want to get into a situation where I need to go through this all again because of an extra few dollars in points left on the card.

I cant believe this is one of the more prevalent topics on my mind right now. I need to get a life.

Posted in a bit about me, myself and more me | 10 Comments »

10 Responses to “Getting my $11.00”

mom-sense Says:
November 17th, 2008 at 02:54 pm 1226933696
1226933696

What we do for points and dollars?! I need to get a life too! I perseverate about points on my National City card.
clubneary Says:
November 17th, 2008 at 03:37 pm 1226936224
1226936224

I have like $18.00 in points on my Discover. I am almost done paying it off and hate the idea of purchasing something with it but $18 is $18 and I want it!!!
Koppur Says:
November 17th, 2008 at 03:39 pm 1226936393
1226936393

LOL Congrats sunshine...you are a true SA blogger now!
Ms. Pearl Says:
November 17th, 2008 at 04:30 pm 1226939413
1226939413

I love it! I have become obsessed with finding change and running to deposit it at the bank. I fear the tellers think I have descended into madness because I will deposit as little as a dollar into savings!!
Ima saver Says:
November 17th, 2008 at 04:40 pm 1226940019
1226940019

I get thrilled about getting a $50 check almost every month from my Chase reward card.
ceejay74 Says:
November 17th, 2008 at 05:27 pm 1226942857
1226942857

Ugh...you reminded me that I have a bit on a Discover card too. At some point I should figure out something to charge and then pay off so I can get it. I hate using credit cards!
M E 2 Says:
November 17th, 2008 at 06:13 pm 1226945604
1226945604

I too have $ 11 (maybe $12) worth of "rewards" money on my Discover card. However, after the BS they pulled on me, I paid off the card and they can stick the $11 - $12 where the sun don't shine as far as I am concerned! :-/
CouponAddict Says:
November 17th, 2008 at 06:27 pm 1226946431
1226946431

Dont spend money just to get money. If you have to FIND something to buy; spending $300 to get $20 are you really making any money.

Just let the reward money sit there if possable and the next time you have to use a credit card use the card.

Good Luck.
whitestripe Says:
November 19th, 2008 at 03:47 am 1227066464
1227066464

just buy groceries or fuel with it, and transfer the money over when you get home. that way you're not really spending any extra than you normally would
MileHighGal Says:
November 21st, 2008 at 10:16 pm 1227305765
1227305765

Same with my Discover, but I have only about 5 which is probably not worth it, but I still want to get my hands on it. I believe Discover changes their 3% categories every month or so, so if it's gas/groceries/utils one month you can build it up to bump it up to 20. That way you're not spending money to get money.

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Gamecock's Mind over Money

Trying to keep life from falling apart, trying to become a person to be proud of.

Getting my $11.00

10 Responses to “Getting my $11.00”

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