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2013 Credit Card Reward Estimate + Other Income

December 5th, 2013 at 06:05 am

2013 TALLY:

$580 cash (Chase Sapphire triple dip moi)*
$430 cash (Chase Sapphire triple dip dh)*
$250 cash Citi (dh double dip? Triple dip?)
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$1260 TOTAL *ONE-TIME REWARDS*

+$ 525 deposit to ROTH (Fidelity Am Ex - 2% cash back)
+$ 25 cash back Fidelity Am Ex (bonus for some alternating category?)

+$450 AmExRewards (6% cash back groceries/3% fuel)

+$ 75 American Express Rewards ($25 x 3 cards)

+$ 85 Target rewards (5% discount Target purchases; mostly groceries)

+$ 178 Visa Rewards (1% cash back - for places that don't take AmEx - primarily dentist/insurance/utilities; had 2% reward for a couple of months this year - woohoo!)
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=$2598 Total CC REWARDS 2013
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*triple dips = rewards redeemed for the third time. We redeemed once every 12 months or so.

Year 2011 = $4,164
Year 2012 = $2,782
Year 2013 = $2,598

Total 3 Years = $9,544
**Tax-Free Income!!**

Caveat: I don't recommend using credit cards at all unless you have the discipline to pay them off 100% within grace period. I have never in my life paid a fee or any interest to a credit card company. I don't think it's a big deal if you don't spend money that you don't have and therefore pay off the balance each and every month. This strategy has worked fine for me for full two decades.

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Other income this year:

$152 Capital One Savings Bonus
$500 Focus Groups (all dh - just a lucky year!!)
$300 Grandma paid me to do her taxes (kind of a gift really)
$220 Amazon sales/Craigslist Sales/Rebates
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$1,172
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In addition, I earned $7,000 overtime.

Grand total of side income = $10,692

1 Responses to “2013 Credit Card Reward Estimate + Other Income”

  1. ThriftoRama Says:

    Inspiring and thought-provoking, as always.

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