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Snowflakes

May 31st, 2013 at 06:08 pm

The month is over so I have the following snowflakes to redeem:

**$50 to ROTH (credit card reward) - I've hit $50 every month this year, and will continue. In May we charged a computer and for June I have a $1500 MRI bill due. {Otherwise mostly charge health insurance on this card}

**$50 to mortgage (credit card reward) - I changed the due date on this credit card and so it did a 2-month cycle - the rewards are generally $25/month {Gas/grocery card}

**Monthly interest (Added to savings) is in the $15 range these days

**I overpaid piano teacher in May (Memorial Day was off) and she didn't get me the piano book $$ I owed her until today. She e-mailed me, but the payment had already been sent out for June. So, I will have a $25 snowflake in August when I subtract the over-payment net of books. I will add it to the mortgage at that time. We moved the kids' lessons to Mondays and we should have more snowflakes like this. Every Monday Holiday is $40 in my pocket. {I was expecting the books to kind of offset, but forgot I am paying for two kids for lessons - which is much more than the cost of two books}.

She also told me she is taking July off. MIL pays for the kids' lessons, so I will still have a $160 check for that. I'd generally throw this at the mortgage, but I've already got a few ideas for this. Dh was asking if we should get a new graphics card for their computer hand-me-down or wait until birthday. $70. We were going to treat LM to *whatever* in July when his brother is in Europe. He may be easy to please (like, McDonalds), but this will buy him some more options. He still may be easy to please. Will see.

Oh, and my first thought was, "Wala - cat boarding money!" & then some... Which reminds me, I will have to check if they take credit cards when I tour the place tomorrow. *Please Please Please!!*

Yes, that $160 will go fast. Sorry mortgage...

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I've stayed out of the credit card fray for a while. Letting our FICOs recover and just surviving tax season, anyway.

But, I was motivated to try to pay for the new computer with credit card rewards. I found a few rewards, but when I clicked on the links none of the supposedly current bonuses were not showing on the credit card applicaitons. So I gave up last weekend. I will maybe try again next week. I have a couple of big payments due in June (MRI and summer classes), and so also why I Was thinking about it. I may bide my time for better reward options instead. I see I just missed a $500 Sapphire offer by a month or two. It will probably come back, so will wait for that one. I haven't double dipped the Citi yet. Nor the Southwest Chase cards (we could both try). We both haven't done the AmEx Gold in a few (or several) years. For now, am not going to do anything for less than $250. A $400 sapphire Chase reward plus a couple of $250 rewards would pay for the computer. So that will be my goal for this year. Though I am going to wait to try $500 + $250 OR $500 + $500.

Dh has gotten nothing from Citi but 0% balance transfer offers, for a long time. HE just got a $150 bonus offer. *yawn* Waiting for them to entice him with something better. It would be a triple dip, so isn't on the top of my radar - lots of double dips to try first.

4 Responses to “Snowflakes”

  1. creditcardfree Says:

    Nice snowflakes!! I understand the desire to wait for bigger rewards, but I got impatient and went for three smaller rewards between 3 cards. I will spend $2K and get $500 in cash/gift cards. Let me know if you see that Sapphire $500 offer come up again!

  2. wondering Says:

    If the kids won't have lessons, wouldn't you give the money back to MIL?

  3. MonkeyMama Says:

    @wondering - does this warrant a reply? Obviously if she would take the money back I would give it back to her.

  4. FrugalTexan75 Says:

    Nice job with the snowflakes!

    I have the feeling your MIL would react about like my dad did when I told him he could stop sending me money every month ... that I had a job and wasn't in school anymore. (He didn't care - wanted to do it anyway.)

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