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November 1st, 2015 at 05:10 pm

**Dh got a small video gig. He seems to be a money magnet lately. (Just more stuff falling out of the sky).

**Of course dh's phone shipped the day before the credit card cycle closed. Just because it's the most annoying timing. (It was not supposed to ship for another week).

I ended up diverting his first full paycheck (received this week) to cover that.

**My kids have been wishy washy about Halloween. They were initially "too old." But with the Saturday Halloween I guess they got more invites to Trick or Treat. Since we had some Amazon gift cards (+ a free Prime year) we appeased them with some last minute costumes. In the end they had a blast with their friends and so I am glad it worked out.

**Reminds me, dh told me that we now get 2 hour prime shipping in our city (on some items). I never foresee using that. !! Like seriously, it can wait. I still haven't gotten used to 2-day shipping. We ordered a couple of non-prime items that showed up yesterday. !! One of them was a monkey dress costume I saw (a more feminine compliment to our monkey costumes we bought last year). I couldn't wear it because it was a heavy fleece and it was so HOT yesterday. We ended up turning on our AC for a bit. This weather is insane. Thankfully we are due for some much needed rain today.

**We did also redeem the last of our gift cards for our last credit card reward. I redeemed $50 for a school fundraiser and we got some movie theater gift cards, Best Buy (since they price match Amazon) and a Panera gift card. I think we got $50 for the movies, so that should last us a while. Dh seems to be in a bit of a movie lull.

**I am phasing out my American Express 2% cash back card (since so many places don't take American Express). Will replace this with my 2% Citi card. I haven't done this sooner because the limit was so low on the new card. (Initially was like a $3k limit?? Most our limits are $15k-ish?) But I had asked them to up the limit at some point and they did. I apparently should have asked them for a bigger limit. Anyway, I took the time this week to move any lingering bills over to the new credit card. The only thing I have on the AmEx is our health insurance (which is more than out mortgage - it's a big bill). I am going to ask for another limit increase before I move that last bill over. I hear they are phasing out this AmEx reward card anyway. It always eventually happens, so I am glad I have found an even better replacement card in this case.

I've not been a fan of managing 5 credit cards, so I look very much forward to simplifying. That said, it hasn't been a big deal with using Quicken. I've taken to paying all the credit cards off the first of the month because it's just simpler. (Then definitely nothing is ever forgotten. I've moved very far away from "waiting for bills".) I might stick with that habit even when I consolidate a bit. I had wanted to add an extra $3k or so to our emergency fund to cover "last month's credit card charges", but I think paying off the end of every month is a simpler solution to that.

I will still have 4 credit cards. It is the way with rewards these days. Each card has a great reward for just one or two categories that we utilize. Then the 4th card will be for 2% back on everything else.

4 Responses to “Doings”

  1. Livingalmostlarge Says:

    How old are the boys now? Too old for trick or treating. I am sad to think that will happen soon enough. We dressed up with the kids.

  2. FrugalTexan75 Says:

    We had some 13 year olds all dressed up at our alternative Halloween bash. So ... I don't think your BM and LM are too old. Smile

  3. MonkeyMama Says:

    They are 10 & 12. They didn't want to trick or treat this year. BM skipped last year.

  4. MonkeyMama Says:

    I just made a quick reply earlier. I Was going to say I was thrown off last year when BM was not interested. So this year gave me a bit of a do-over and a time to say good-bye to these years. I don't think most 10-12 years old are so bored with Halloween. It's just my kids (which is fitting with their personalities), but they caved pretty easily with a little peer pressure.

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