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Gift Card Balances Feb 2020 (Digging Out)

February 22nd, 2020 at 08:40 pm

GIFTS:
------
$50 Barnes & Noble
$20 x 6 Target


MOVIES:
--------
$100 Regal


RESTAURANTS:
------------
$50 Cracker Barrel
$50 Olive Garden
$25 Chili's
$ 25 x 2 Jamba Juice (Birthday Gift)


RETAIL:
---------
$50 Kohls (Christmas Gift)
$10 Kohls (Class Action Settlement, e-mailed)
$ 50 x 3 Target

Note: Edited over time to remove used gift cards.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

This is the "Digging Out" edition of "Gift Card Balance" Updates.

Because... I was cleaning up and found a gift card I apparently completely forgot about. It was received the end of 2017 (just before life became endlessly insane). So yeah, that makes sense.

Edited to add: Ended up finding a second gift card today. MH had been asking me about the B&N gift card and I told him, "That's old, there's nothing on it."

I am too careful to just toss them, so I did double check. But I was really shocked that either card had a balance on them still. That was a nice $75 find today.

I am documenting now so that I don't forget again.

January Savings

February 9th, 2020 at 02:26 pm

Received $70 bank interest for the month of January.

Snowflakes to Investments:
--Redeemed $0 credit card rewards (cash back) from our grocery card (back to 6% with the new year, but it pays out a month behind, thus $0 for now)
--Redeemed $99 cash back on Citi card
--Redeemed $21 cash back on dining/gas card

Other snowflakes to Investments:
--Redeemed $12 cash back on Amazon Prime card
+ $ 5 Savings from Target Red Card (grocery purchases)

TOTAL: $137 snowflakes to investments

401k Contributions/Match:
+$415

Snowball to Savings:
+$415 Side Income

Savings (From my paycheck):
+$ 550 to cash (mid-term savings)
+ $100 extra to mortgage

Short-Term Savings (for non-monthly expenses within the year):
+$1,500 to cash (Bumped up for 2020)
-$ 837 Home Insurance
-$ 160 Dentist
-$ 120 Prepay school lunch

TOTAL: $2,070 Deposited to Cash and Investments

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Only one paycheck this month. Literally, because my prior check had been advanced 12/31. MH is also off work. Thus, lower 401k #s this month.

Cash/Interest will be on the higher side until we fund our IRAs. It never makes any sense to decide until the year is over. Will start transferring the $12k to our IRAs (for 2019) once we finalize our 2019 tax return. (Until then, I don't have final #s of what we can contribute to tax-deductible Traditional IRAs; the difference will go to ROTH IRAs.)

Of course, I am always a month behind because these numbers reflect January Income minus December spending (December spending charged and paid off January 1). So when I sit down and enter all my income/expenses for the next month, I already know how the next month will shake out. Because spending is already fairly locked in.

Ugh, February is ugly! Spent way too much money in January. I have side income coming in (if I get it billed), MH should have one small paycheck (for at least 2 days) and I have cash out my ears. I know MH picked up a few Christmas things his mom reimbursed him for. & we treated the whole fam out to dinner again (another student concert for DL) and someone slipped us cash. Got some cash gifts for Christmas ($20 here and there). Plus, I sold a treadmill for $250 cash. This was before I got sick, so might have been November. We were going to turn around and buy a newer (used) instrument for DL. But then I got sick and it fell off my radar. I may keep the $250 on hand for that, but I have so much cash piling up otherwise it's past time to make a deposit. I will cobble together the extra money and make February work (and will zero out deposits versus expenses).

I am just going to roll with it this month and hope for a better February (spending). I know the problem is probably that our budget is way too tight. But we rolled with it so much last year I just left it that way. I just added some significant breathing room with my raise, so figured if we were muddling along without the raise, will do fine without. This just works for our personalities, we rather err on the side of over-saving. Better to save $500 and then have to pull out $100 if we were too aggressive. I will give it a couple of more months to see how things shake out. It may be too too tight, and we will adjust if necessary.

Edited to add: MH has one more paycheck than I realized, in February. He is paid bi-weekly and I got confused on the weeks. He just received a paycheck for $12. 😂 But will be a bigger one in two weeks. I am going to go ahead and change my numbers, and do our deposit to investments for January. If nothing else, I have *cash* to cover that.

Gift card Balances Jan 2020

February 3rd, 2020 at 01:36 pm

Just tracking gift cards.


GIFTS:
------
$ 20 x 6 Target


MOVIES:
--------
$100 Regal


RESTAURANTS:
------------
$50 Cracker Barrel
$50 Olive Garden
$ 25 x 2 Jamba Juice (Birthday Gift)


RETAIL:
---------
$50 Kohls (Christmas Gift)
$ 50 x 4 Target

Note: Edited over time to remove used gift cards.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

We've actually been using up some gift cards. Re-gifted a movie gift card and got through some restaurant gift cards.

Credit Card Rewards Tally 2019 (Final)

January 9th, 2020 at 03:31 am

2019 TALLY:

$550 Gift Cards (Citi, Moi)
$150 Bank Bonus
$ 70 Amazon Gift card (Amazon Prime, MH)
-----------
$770 TOTAL *ONE-TIME REWARDS*

Other Rewards:
$ 29 Citi Price rewinds (RIP)

Ongoing rewards:

+$320 AmExRewards (6% cash back groceries/streaming services)

+$83 Target rewards (5% discount Target purchases; mostly groceries)

+$177 Visa Rewards (3% cash back fuel/restaurants)
Ended up also using for groceries in Q4 (3% cash back)

+$887 Citi 2% card (2% back everywhere - health insurance/medical is the big expenses that we charge, is more than our mortgage payments)

Grand Total = $2,266

I just want to add that historical figures below do also include bank bonuses. They just don't generally work very well for us so I do not utilize as much. (We did -0- bank bonuses in 2017/2018).

Year 2011 = $4,164
Year 2012 = $2,782
Year 2013 = $2,623
Year 2014 = $3,128
Year 2015 = $2,585
Year 2016 = $1,906
Year 2017 = $3,578
Year 2018 = $2,096
Year 2019 = $2,266

Total 9 Years = $25,128
***Mostly Tax-Free Income***


MM(16) also earned a $150 sign up bonus, a $10 credit for switching to paperless statements, and 5% back on gas for one quarter.

Note: I have been tracking since 2011 because that's when the rewards got CRAZY. We have always utilized cash back on credit cards. It's just been extra rewarding during the past decade.

***CAVEAT - I absolutely do not recommend utilizing credit card rewards in this manner, unless you are in full control of your credit card spending. We treat our credit cards like debit cards; only charging if we have the cash on hand already. We've never paid a cent of late fees or interest.***

December Savings

December 29th, 2019 at 04:00 pm

Received $60 bank interest for the month of December.

Snowflakes to Investments:
--Redeemed $0 credit card rewards (cash back) from our grocery card (maxed out 2019 grocery rewards).
--Redeemed $83 cash back on Citi card.
--Redeemed $33 cash back on dining/gas card; used for grocery rewards this month

Other snowflakes to Investments:
+ $231 Re-Invest Dividends
+ $ 8 Savings from Target Red Card (grocery purchases)

TOTAL: $355 snowflakes to investments

401k Contributions/Match:
+$1,400

Snowball to Savings:
+$1,100 MH Income
+$ 500 Bonus
-$ 250 Charity

Savings (From my paycheck):
+$ 550 to cash (mid-term savings)

Short-Term Savings (for non-monthly expenses within the year):
+$1,400 to cash
-$ 482 Flood Insurance
-$ 195 AAA
-$ 160 Vacation Expense
-$ 125 Yearbooks (2)
-$ 100 School Concert

TOTAL: $4,053 Deposited to Cash and Investments

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Vacation expense was $100 fuel and $60 eating out, MH's LA trip. We planned to spend a wee bit more on that trip, but I ended up sick at home instead. We canceled the one hotel night we were going to pay for, he used his parents' timeshare for two nights.

$100 school concert ~ $60 to buy tickets for us and all the grandparents. We also ended up spending $40 to feed everyone the night of the concert. This is the art school we pay -0- to, so I am always happy to contribute monies. I save a bajillion dollars with all the free/public art classes.

I guess MM(16) was sick that night (before he gave me his awful flu). Always someone can't make it last minute and I give away the $9 tickets. It always makes someone so happy. So when we got there I went up to the box office and told the lady buying tickets I had an extra student ticket if she wanted it. She didn't even look at me or say Thank You. I told MH, "Wow, that was really unsatisfying." Usually the response is more like, "Really????!!! Thank You!!" She looked so stressed out buying those tickets, I'd like to think I made her life a little easier.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

So... I am completely dumbfounded by this update. This was our level of savings when I was working second job. But I guess that it comes down to getting my raise and getting that $800/month back. I wouldn't have thought it was going to be a particularly lucrative month, was more just our typical savings kind of month.

But... This probably sums up pretty well how I ended up with an extra $3,000 that I felt comfortable throwing at the mortgage. I decided quite unexpectedly and last minute to knock that goal out. Sidebar is updated. (Had $3k+ cash left over after setting aside $12k for IRAs; we also have a 12-month emergency fund).

401k was a little extra this month because I received a 3rd paycheck 12/31 (my small business employers always advance the last paycheck of the year for tax purposes). I did also receive a bonus, which bumped up my 401k contribution.

The bonus is a new thing I have never had before. I didn't blog about it because it was not too exciting. I mean, it's EXCITING. But... I didn't pay any taxes in whatsoever for my self-employment income this year, so I put most of my bonus to taxes. It was a choice that I made. (This had been my plan all along, but I had expected a summer bonus to cover it). It's nothing like it sounds. My tax rate only ended up being about 10% on all that side income. Because I ended up with $8k orthodontist expenses to offset my income. I know there is definitely a huge element of financial savvy and strategy that comes with my tax knowledge. Like knowing I can just withhold my SE taxes from my paycheck, and it's all the same in the end. (Which I felt was prudent because I had no idea where on earth my taxes would land this year, until I got confirmation of bonus this month). But... Honestly 90% of the time it is just being in the right place at the right time. I had $10k of write-offs I wouldn't have had in prior years, between the ortho and tax law changes. So I made out pretty well.

I still had $500 left over (from bonus) after that, which I threw at savings.

Edited to add: We did our "gift from in-laws to Charity" thing over the weekend. I ended up making all of our donations Sunday night, and realized I was about $250 short of what I Wanted to do. Which makes sense, because we used to allocate my old Christmas bonus ($250) every year to charity. {I guess I consider that more of a "Christmas Gift" than a "Bonus". My bonus this year was a few thousand dollars, which is the very new and different part. I have absolutely never before had an employer give me extra money "just because". To clarify why I said I hadn't received a bonus before}. I ended up subtracting $250 from bonus above and updating numbers.

Another CC Reward

December 25th, 2019 at 03:17 pm

2019 TALLY:

$550 Gift Cards (Citi, Moi)
$150 Bank Bonus
$ 70 Amazon Gift card (Amazon Prime, MH)
-----------
$770 TOTAL *ONE-TIME REWARDS*

Other Rewards:
$ 29 Citi Price rewinds (RIP)

Ongoing rewards (through 11/30):

+$320 AmExRewards (6% cash back groceries/streaming services)

+$70 Target rewards (5% discount Target purchases; mostly groceries)

+$144 Visa Rewards (3% cash back fuel/restaurants)

+$804 Citi 2% card (2% back everywhere - health insurance/medical is the big expenses that we charge, is more than our mortgage payments)

Grand Total = $2,137

I am just doing an update because I did another reward.

I am so insulated from consumerism (average middle class consumerism, it's not like we don't buy anything...). But I sometimes feel so insulated that I am exposed to it more on SA than anywhere. Every once in a while someone will mention something I haven't heard of, or something that sounds really cool.

Well, it happened. $150 happened. There as some mention in the forums of electronic gadgets. Most of them I hadn't even heard of and I marveled a bit since we clearly like our electronics. But I guess more "useful to our needs and wants" electronics, versus "what everyone else has" electronics. My husband did buy some expensive bone conducting headphones earlier in the year but I considered that more of a disability purchase. (He only has hearing in one ear, can't reasonably wear one ear bud and hear anything going on around him). I was dumbfounded when he told me he was not able to listen to anything at his job and he felt it would make his low-skill job more bearable. I was completely horrified, like yes you have to buy this yesterday! He's been listening to books on tape and I think makes the work day much more bearable.

But... I didn't think anything beyond that until I saw a conversation on SA about the same headphones. Yeah, I don't have any headphones and I could probably use some. But I have never liked ear buds. So I had my light bulb moment and asked MH to buy me some. It looked like they were on sale significantly from what we paid, but he did choose the premium ones. I told him, knock on wood, honestly I never lose or break my things and I just wanted to get the premium ones too. (He had bought some in the past he did not like and didn't keep. So there was definitely a huge step up in quality with the higher end ones that were worth the money).

He was looking on Amazon a couple of days ago, but it would be like $80 instead of $150 if we signed up for the Amazon Prime card. IT's not a card we have ever had, so it was a no brainer. MH was kind of, "Really?! I thought you wanted to slow down on the rewards. I thought you wouldn't do these things for less than $200." Pffffft. It doesn't get any easier than signing up for a credit card to instantly get $70. I don't need to do anything. We didn't even need to put the charge on the credit card. I could probably cancel it tomorrow and be done.

It's most likely I will just cancel the card very quickly. It does come with 5% back on Amazon purchases, but we already have a 4-card system and it's becoming more of a 5-card system if we are going to use MM's credit card to max out our grocery rewards. I don't want a 6-card system. We don't shop enough at Amazon to bother.

{How I manage is I set all my cards on a monthly cycle and just pay them all off the first of every month. No tracking statements whatsoever. I also use Quicken/transaction downloads so I have all our charges/balances compiled in one place. & I pay them all out of my bank bill pay, so just one place to track and one place to make all the payments every month. Still, I don't want a 6th card}.

I am sure I could have saved more money (I later saw the Amazon store card was $100-off sign up bonus). I am sure I could have strategized or planned better. But in the "this will take a couple of minutes of my life and save me $70 right now" category, it works for me.

I will have to update our December rewards next week, but will probably end up at $2,300 for the year.

Edited to add: Amazing purchase! I thought I would just use for listening to podcasts on my phone (keeping up with Top 100 movies podcast), but I have been loving the hands-free phone calls. Makes my cell phone generally more usable (for calls). I was talking to my friend the other day while running around doing other things. I might be able to use at the gym but I have to make room for music on my phone. I don't have any other bluetooth devices so will need to use a cell phone to listen to music on new headphones. (In the past I've been more of a "cell phone for emergency" cell user, but I am slowly using more phone functionality. I've absolutely never played any music on my phone before, so I need to figure that out).

***CAVEAT - I absolutely do not recommend utilizing credit card rewards in this manner, unless you are in full control of your credit card spending. We treat our credit cards like debit cards; only charging if we have the cash on hand already. We've never paid a cent of late fees or interest.***

Gift Card Balances Dec 2019

December 8th, 2019 at 06:59 pm

Just tracking my gift cards. Usually I have more credit card rewards, but not so much this time.


GIFTS:
------
$ 20 x 6 Target


MOVIES:
--------
$100 Regal
$ 25 AMC


RESTAURANTS:
------------
$50 Cracker Barrel
$50 Olive Garden
$ 25 x 2 Jamba Juice (Birthday Gift)


RETAIL:
---------
$50 Kohls (Christmas Gift)
$ 50 x 4 Target

Note: Edited over time to remove used gift cards.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

We never ended up using any of the restaurant gift cards last summer, as planned. I think we are just not "eating out" people, but is probably compounded by "kids busy with their own things."

Will get through these eventually, but may not be tempted to get more restaurant gift cards any time soon.

I did pick up $300 worth of Target gift cards today, 10% off. For several reasons, I never did the full $300 before. But today I just bit the bullet. I always keep a stack of $20 gift cards to keep on hand for last-minute gifts. The rest, will use towards grocery purchases. (Still have one $20 card left over from last year, there were some others from last year that we used this month. I kept the one because it was a "happy birthday" theme).

Edited to add: Received a $25 AMC gift card. Strange gift since we have no AMCs in our region. Will add to the re-gift pile with most of the gifts I have received to-date. We decided most likely we will hold for FIL's birthday after Christmas, so I wanted to make sure I wrote it down and did not forget.