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This & That

March 6th, 2014 at 06:23 am

**ROTHs passed the six figure mark last week. Woohoo!

**Earned $50 credit card reward in February- redeemed to ROTH today. That is my first 2014 ROTH contribution, because otherwise hoarding up every dime I can to finish funding 2013. (I couldn't earmark this contribution for 2013).

**American Express miscalculated my credit card rewards AGAIN. I am looking at other rewards cards. A lesser reward card that actually pays the rewards could be a much better deal...

**I paid the mortgage this week. Snowflakes accumulated were:

$350 insurance rebate
25 credit card reward (last month's credit card reward - got gyped on this one too)
20 carpool gas savings
15 Internet discount (for one year)
-----
$410 Total

Phew! BM had an expensive filling and cat needed a vet visit, so my resolve was wavering on that one big snowflake. Glad it didn't melt! (Vet visit got pushed off to this week, which helped).

Thanks to some big snowflakes the first few months of the year, I think we are on track to knock $5,000 off the mortgage this year. & that's if I divert all snowflakes over to investments in April, as planned.

**I am not sure what it is, but this has been the easiest tax season ever.

Time is just a FLYING.

I think the mild weather helps too.

I can't believe it will be daylight savings next weekend? I am usually starting to get a little burned out by then, and the daylight savings gives me my second wind. (So nice to come home and take the kids to the park or go for a walk or whatever). This year though, not sure I will care too much. Maybe because it's been so warm and sunny in general. Which I don't know why it matters if I am holed up inside 6 days a week, but it seems to help.

**Maybe the sprinkling of activities has helped too. Dh and I went to a GREAT concert the other night with a few friends. & had a bit of a pre-party at our house. I totally blew off work for that.

I will probably be in the "buckle down/no fun" mode for the next 6 weeks or so. But I am well rested and up for it. (Heck, only 5 more weeks??? Just checked a calendar. Seriously, how can that be?)

14 Responses to “This & That”

  1. creditcardfree Says:

    Nice snowflake to your mortgage! Daylight savings is THIS Saturday night (technically Sunday morning).

  2. scfr Says:

    Is it almost Daylight Savings time already?!?

    Good job on the Roth.

  3. ceejay74 Says:

    I haven't noticed Amex messing up awards, but I guess I don't look very closely. How do you check -- look at how individual charges are categorized or calculate the percentage of what you spent on groceries?

  4. Miz Pat Says:

    I would be interested in how you check your rewards on the Am Ex too - I just got my once-a-year voucher from Costco Am Exp. for $153.00 and was very excited. I'd be more excited if it was more.

  5. MonkeyMama Says:

    I have a AmEx Blue, and their rewards system is just crazy. (I believe is the first true AmEx card I have ever had. I have another AmEx but it's issued through Fidelity. That card is not eligible for a lot of Am Ex benefits, so why I Say it is not a "true" AmEx card).

    #1 thing that drives me crazy on the Blue Card: They don't issue rewards until the following statement. Something else I have *never* experienced before. Usually get the reward when you earn it.

    So, on February statement there was an itemization of January charges and rewards: X dollars groceries x 6% = reward amount, Y dollars fuel x 3% = reward amount, and the rest goes in the 1% column. Then there is a grand total. Since I have all my finances set up in Quicken I just run a quick report of gas and grocery spending for that time period. (I don't even remember if I checked their math - I probably should.) We only shopped at one grocery store the entire month but they left out one grocery purchase on the 3% row and moved it to the 1% row. SO ANNOYING.

    Of course, you can't even send them online messages for customer support, so is adding to my frustration level with the whole thing.

  6. ceejay74 Says:

    Huh! It took me a while to figure out their system (listing rewards on the next month's statement), but I see what you're saying. We only shop at two grocery stores, and they recorded most of December's purchases correctly, but inexplicably categorized one under the 1% category.

    I'm going to have to think about this. I still probably get more with their 6% (even with the $75 annual fee) than I could with any other card, but that's really annoying to think they've been shaving off some of my potential rewards.

  7. MonkeyMama Says:

    I caught a typo in my last reply - they moved about $100 from 6% category to 1% category. (Not from 3% to 1%).

    That's the final nail in the coffin - that the card has a fee. I am willing to pay the fee to get a full 6% back on groceries, but not just "some of the time".

    Thanks for replying ceejay. I guess it's not just me!! I suppose I shouldn't be surprised that their system is just all messed up. But I find it interesting that you found the same error.

  8. ceejay74 Says:

    I called them and I was looking at year-end stuff, so it's possible I hit the $6000 reward limit. I opened an inquiry with them and will be keeping a closer eye on my statements from now on (now that you explained how to interpret them!). I did see that I got $350 in credits in 2013, which is very close to the $360 it's possible to earn (and I wouldn't have been able to redeem in a $10 increment) for the 6% category, so hopefully it's working OK for me.

  9. MonkeyMama Says:

    How did you do the inquiry??

  10. FrugalTexan75 Says:

    We've been talking about that at school, how the time is just flying. I counted the number of weeks til school's out (excluding spring break) and it was eleven! I'll only have the 8th graders for 7 more class periods (if I'm lucky) and the others for 8 - 9 class periods. The year has just flown!

  11. ceejay74 Says:

    MM, I just called and complained and the lady said she would have an inquiry done or something. She said I'll hear back in a couple weeks by mail. I'm not expecting much to tell the truth! But, now knowing I get pretty much the max amount per year makes me feel a bit better about sticking with Amex.

  12. MonkeyMama Says:

    I thought maybe you were able to do an online inquiry. OMG about them getting back you by mail in 2 weeks. What awful customer service!!

  13. Looking Forward Says:

    I was just thinking I had contacted AmEx online twice..
    Sign in. Click payments. Scroll to the very bottom and click "Contact Us". Online should be an option there.
    It's strange because it seems if you click the contact us on the home screen the online option isn't there??

    Hope it helps!

  14. Single Guy Says:

    Congrats on the Roth amount. I'm inching there myself, currently around $95k, but unless there is another run-up this year, 6 figures will probably have to wait for 2015.

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