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Notes to Self, and a Snowball!

December 8th, 2014 at 12:41 pm

Notes to Self, or, Stuff I do not want to Forget:

**I learned in the forums today that libraries have free museum tickets. As a lifetime avid reader and library user, all I can say is, "Wha?????????"

This is good because I feel like 2015 should overall be fairly low-spend for us on most fronts. Planning two big vacations... I see some free museum visits in our future - should keep us fairly entertained next year.

Oh, and they do Passport services too. I think I knew that but don't want to forget. (Can even use just for passport photos).

**That reminds me that our CU also has some discounts that I probably rarely remember when I actually buy any tickets. Mostly amusement park type stuff. Just adding this to the "note to self" section.

**Credit Union has been profitable lately and is increasing credit card rewards. & a nice snowball, which I will get to at the end of this post!

As to the credit card rewards, 3% cash back on gas, groceries and restaurants. Our other cards are better right now but the good rewards come and go. So I Want to remember this for next time I am shopping rewards, or if I ever lose 6%-back on groceries.

I have to work on remembering the restaurant reward - 3% is more than we get from any other card in that category.

---------------------------------------------------

Snowball:

Our credit union announced a 7.5% rebate on all loan interest paid in 2014. Which would mean a $500 rebate on our mortgage interest. Woohoo! I will receive that in a couple of days!

It probably makes the most sense to plow that back into the mortgage.

But... I am not going to do that right now. I am far more worried about getting 2014 IRAs funded and also funding overseas travel for dh and BM, in just a few months. So, I will happily add this rebate to savings, hoping to reach those goals faster.

I think mostly in the short run I will have a little more cash than I expected, and in the long run I will try to throw the rebate at the mortgage. April should be a good cash month for me and would probably be when I throw it at the mortgage. Once IRAs are funded and overtime is received for tax season.

What's best about this snowball is how out of the blue it is! Big Grin

6 Responses to “Notes to Self, and a Snowball!”

  1. scfr Says:

    Depends on the library. I think they are few and far between, not here.
    Bank of America has a program called "Museums on Us."

  2. Carol Says:

    Our libraries have the passes. They are great!

  3. creditcardfree Says:

    I don't think our libraries have museum passes. But worth checking for. And nice snowball bonus!!

  4. Looking Forward Says:

    Holy Cow! Nice snowball! Big Grin

  5. FS Says:

    You should see what NY libraries lend out

    http://www.washingtonpost.com/blogs/the-switch/wp/2014/12/04/new-york-city-libraries-soon-will-let-patrons-check-out-the-internet/

  6. FrugalTexan75 Says:

    I've heard that before about libraries, but have never asked. I am going to have to do that!

    What a snowball!

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