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Home > Keeping track of my CCs and other money thoughts

Keeping track of my CCs and other money thoughts

January 26th, 2014 at 03:31 am

I feel like I need to regroup on my credit cards and the progress toward rewards every few days, because I've never had this many in play before!

NT Capital One 43.12 spent, 456.88 to go
AS Chase Freedom 252.01 spent, 247.99 to go
CJ Capital One 500 spent, reward received, cancel after paying off
NT Citi Dividend 0 spent, 500 to go
AS Citi Dividend 0 spent, 500 to go
CJ Citi Dividend 278.87 spent, 221.13 to go
NT BankAmericard 0 spent, 500 to go
AS BankAmericard 0 spent, 500 to go
CJ BankAmericard 500 spent, waiting for reward
CJ Discover 615 spent, 135 to go

So in total, need to spend $3061 more. I decided I'll have NT use one of his to pay my party food/drink bill, which will be more than $500, so that's one out of the way. We can put the $83 cable/internet bill on another one. And I can finish up my Citi Dividend with our annual homeowner's insurance bill. The rest will be easily used up with vacation and birthday spending, since we have a trip scheduled for February and our 5 bdays in March.

So I got my notice of our annual home insurance premium, and it's about $40 more than last year. Not a big jump, and I probably wouldn't have questioned it, but they included an insert about how they run a credit check, and adverse elements of my credit record had caused the bill to increase. Did not know credit cards could have anything to do with whether you're a risk-prone homeowner! They also included a sheet about a new rating method or something, where I might qualify for lower rates. So I'm going to call and see if I can get it closer to last year's bill. Mainly because I'm annoyed they raised it because of my credit card activity! Still, $40 per once is more than outweighed by the money we've made off the credit card companies (over $3K last year, and over $13K since we started).

I hate to jinx it, but we're on track with our grocery budget this week! I can hardly believe it because we blew the budget a bit and started with less money than usual. But we have a bit of money left after our main shopping trips, which means we have some recourse when the midweek budget-killers inevitably hit.

I filled out the forms to enter us in a 5K today! It takes place in April. It was $17 per person, which seemed fairly reasonable, and it's to support the Y, which is a great organization. We've all started trying to run on the treadmill, and we thought this would give us something to shoot for. I believe 5K is about 3.2 miles, and so far the longest I've made it is 2.35 miles, so I have a ways to go. Good thing it's several months away!

I'm excited about all the things coming up in February, March and April, but it makes me treasure our homey January even more. Other than one trip to a restaurant, a haircut and 2 dentist visits, I haven't been anywhere besides home and work. And we've only had people over a couple times (a games day with a friend, the Savers meeting, and a dinner with a friend). It's been divine! I definitely feel recharged and ready to re-enter my social life again.

3 Responses to “Keeping track of my CCs and other money thoughts”

  1. just a thought Says:
    1390707788

    3.1 miles in a 5K. And so much fun, even if you walk parts of it.

  2. snafu Says:
    1390766422

    I'd so get in touch with the Insurance agent/billing office to explain the burst of CCs and ask for reconsideration of the increase. It's mostly a problem because future increases will be pegged to this sum. Have they looked at FICO score and use ratio?

    I suggest concurrently running profile & existing policy on-line to see other insurers charges. Alternatively, ask an Insurance Broker to bid your profile & policy parameters for the best price. There is no obligation if the results aren't satisfactory.

  3. snafu Says:
    1390767196

    CC: Perhaps add February grocery shopping, transportation, phone, child care services to the most effective card. I use my smart phone's to track cut-off, due date, & could include sum required for your type cash back

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