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2016 Final Rewards Tally

January 2nd, 2017 at 06:34 am

2016 TALLY:

$208 Cash (Barclay Card, Moi)
$250 Gift Cards (AmEx Green, Moi)
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$458 TOTAL *ONE-TIME REWARDS*

Other Rewards:

$25 credit AmEx (For Hulu)

$41 Citi Price Rewinds

Ongoing rewards (through 12/31):

+$50 deposit to ROTH (Fidelity Am Ex - 2% cash back; health insurance charged to this card)
**PHASED OUT AND REPLACED WITH CITI 2% CARD**

+$355 AmExRewards (6% cash back groceries/3% fuel)

+$97 Target rewards (5% discount Target purchases; mostly groceries)

+$92 Visa Rewards (3% back at restaurants, inflated by large vacation spending this year)

+$788 Citi 2% card (2% back everywhere - health insurance/medical is the big expenses that we charge, is more than our mortgage payments. Also, inflated by large vacation spending this year)

Grand Total = $1,906

I just want to add that historical figures below do also include bank bonuses. They just don't generally work very well for us since we don't use debit cards and don't have direct deposits (the usual hoops that you have to jump through). & the hassle factor is significantly more than it is with the credit card bonuses. Thus, we did not do a single bank bonus this year. I think this might just be where we land with MH working and not needing the extra boost so much.

All of the big bonuses we had been doing with the credit cards (doing the same $500 over and over, between 3 credit cards) have completely dried up. We did okay because our expenses were very high in 2016. But is not generally *how* I Want to earn my credit card rewards. Wink

Year 2011 = $4,164
Year 2012 = $2,782
Year 2013 = $2,623
Year 2014 = $3,128
Year 2015 = $2,585
Year 2016 = $1,906

Total 5 Years = $17,188
***Mostly Tax-Free Income***


***CAVEAT - I absolutely do not recommend utilizing credit card rewards in this manner, unless you are in full control of your credit card spending.***

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