If only I knew! I think new.
I have this card and I really like it. I like how the miles post instantly. I used my miles as purchase erasers, but I guess they've added a bunch of airline transfer partners.
Thanks so much. Tried and got the 60,000 public offer
. Will maybe try a link - is the offer 75,000 MRs with a support link?
I'm sorry that you're going through all of this - adulting is hard at the best of times. My big advice is to hold off on the rental property idea until you have your new budget reality really solid. You will have a whole lot less stress if you have that sitting in an emergency fund (maybe a short-term CD so you can't tap it for regular expenses easily). Rental properties can be a good long-term investment strategy, but you can have bumps where they are super expensive (crappy tenants that you have to evict if longer-term leasing property, property damage if its an air-bnb type situation). I don't think I'd add that to my financial plate unless I had the cash flow to weather a pretty significant expense without it decimating my savings.Okay, I feel like I need to come clean on here since we are basically dealing w/ money day in and day out on here w/ these cards and SUB and MSR, etc.
Somehow I fell off the wagon this summer. I'm "lucky" in that I have a nice chunk in savings right now (thanks to the divorce and my granny dying). For 21 years my ex did all our bills, and I lived cluelessly. I took over my portion of bills before he left, so I've been budgeting for awhile. I was doing great, but this fall it's hit me. And now I've had to dip into my savings to the tune of $2500.
I know some factors like my 4 trips this summer hurt my budget and Chicago last month. I have been on a bit of a wine buying bender too. I've also been buying clothes (for dates, and just because I don't have much to wear even day to day). My daughter's homecoming was a few hundred. Then things like I get less per paycheck this year (as we have a 27 pay schedule vs 26). So despite my (small) raise, I am getting less. And then things like my cable went up $20. We added a phone for my 10yo, that's another $20. My mortgage is now up almost $100/mo (between last year's increase and this year) because of the dang escrow balance they "require" (I'm going to call on that afterschool and see if I can just start pulling the amount I need myself, because at least I'd be getting interest). And I did increase my car payment $90/mo this past spring. I have like $500 tied up w/ the state of Michigan on "back taxes" they say I owe, I don't and I've submitted the paperwork 100 times to prove it. It's kinda, when it rains it pours.
It just scares me as I am REALLY hoping to buy a place in NC (rental property) in the new year, so most of my savings will be drained in doing that. But I've ran the numbers, and I SHOULD be able to make a small profit while covering all the costs associated with it. I'm sitting on so many things I need to sell around the house. And I've been slacking on looking into doing other things to add money to my budget (one being the "teach english online"). I really need to get off my butt and get cracking on things and stop spending as well! Christmas is coming, and it's sad to say, but part of me was hoping I might score the $1000 bump from Delta again this year coming back from Vegas, but school isn't sending me to Vegas. My 14yo completely understands, and will understand a smaller Xmas if needed. But my 10yo still thinks Santa will grant him his heart's desire. The good news is, my mom goes over the top at Xmas and often plays Santa for them.
This all just sucks, because a year ago, I was anticipating getting married, my BF moving in and someone helping with expenses so this NEVER became my reality. Now I'm sitting here single, and moving money around like crazy to cover due dates. I'm doing bank bonuses for extra money, banking the interest on the VGCs while I can (as every dollar helps).
Sorry, just really bummed out this monday as I had to "borrow" $370 to cover one bill and my $350 in bday money is going to cover another (which I guess in reality is going to pay off clothes and wine and other stuff I bought for "me" so it's not like it's paying my gas bill, LOL). Adulting sucks! Especially with 2 kids, and doing this solo.....grrrrrrr! On the flip side, my ex is spending money like it grows on trees. I know his mortgage is less than mine, but his jeep is more, as are his utilities (we are both still being billed together, lol). So it makes me question if he got a raise and I need to try for more child support, LOL. Right now I only get $300/mo and that basically just covers the kids insurance which I pay. But I'm afraid to do that as we didn't use friend of the court to establish the amount. Our lawyer had a program that could estimate what I would get. In reality I'm only supposed to get $200/mo, but the ex bumped it up for me. I'm worried if I request an adjustment, I'd get less.
Okay, venting over....back to your regularly scheduled churning
Im sorry you're going thru a rough patch. I'm not sure,were you venting,or asking for some advice? B/c my best advice would be to hold off on rental purchases etc,until you feel a more secure. Unsure also if you are using up emergency type savings to cover your current bills due,or if you'll have no emergency savings left if you stretch to buy a rental, but I'm thinking that to lessen your stress it's a smart thing to dial back activity until you feel like you've gotten a handle on your true financial picture,and this includes credit cards,etc for bonuses. As noted above thread it's a key part of the picture to keep it all organized,and it's easy (for any of us) to get disorganized and have to 'rob Peter to pay Paul'.... or pull from savings to pay a bill that's too much. It sounds to me like you're an expert at the 'game' and travel bonuses etc..... but it's also realistic to re-examine cirumstances as needed too.... that way you won;t feel as stressed about daily bills with kids etc. I know I can personally only do fraction of what some here can manage, b/c our finances will only allow a certain amount with little stress.Okay, I feel like I need to come clean on here since we are basically dealing w/ money day in and day out on here w/ these cards and SUB and MSR, etc.
Somehow I fell off the wagon this summer. I'm "lucky" in that I have a nice chunk in savings right now (thanks to the divorce and my granny dying). For 21 years my ex did all our bills, and I lived cluelessly. I took over my portion of bills before he left, so I've been budgeting for awhile. I was doing great, but this fall it's hit me. And now I've had to dip into my savings to the tune of $2500.
I know some factors like my 4 trips this summer hurt my budget and Chicago last month. I have been on a bit of a wine buying bender too. I've also been buying clothes (for dates, and just because I don't have much to wear even day to day). My daughter's homecoming was a few hundred. Then things like I get less per paycheck this year (as we have a 27 pay schedule vs 26). So despite my (small) raise, I am getting less. And then things like my cable went up $20. We added a phone for my 10yo, that's another $20. My mortgage is now up almost $100/mo (between last year's increase and this year) because of the dang escrow balance they "require" (I'm going to call on that afterschool and see if I can just start pulling the amount I need myself, because at least I'd be getting interest). And I did increase my car payment $90/mo this past spring. I have like $500 tied up w/ the state of Michigan on "back taxes" they say I owe, I don't and I've submitted the paperwork 100 times to prove it. It's kinda, when it rains it pours.
It just scares me as I am REALLY hoping to buy a place in NC (rental property) in the new year, so most of my savings will be drained in doing that. But I've ran the numbers, and I SHOULD be able to make a small profit while covering all the costs associated with it. I'm sitting on so many things I need to sell around the house. And I've been slacking on looking into doing other things to add money to my budget (one being the "teach english online"). I really need to get off my butt and get cracking on things and stop spending as well! Christmas is coming, and it's sad to say, but part of me was hoping I might score the $1000 bump from Delta again this year coming back from Vegas, but school isn't sending me to Vegas. My 14yo completely understands, and will understand a smaller Xmas if needed. But my 10yo still thinks Santa will grant him his heart's desire. The good news is, my mom goes over the top at Xmas and often plays Santa for them.
This all just sucks, because a year ago, I was anticipating getting married, my BF moving in and someone helping with expenses so this NEVER became my reality. Now I'm sitting here single, and moving money around like crazy to cover due dates. I'm doing bank bonuses for extra money, banking the interest on the VGCs while I can (as every dollar helps).
Sorry, just really bummed out this monday as I had to "borrow" $370 to cover one bill and my $350 in bday money is going to cover another (which I guess in reality is going to pay off clothes and wine and other stuff I bought for "me" so it's not like it's paying my gas bill, LOL). Adulting sucks! Especially with 2 kids, and doing this solo.....grrrrrrr! On the flip side, my ex is spending money like it grows on trees. I know his mortgage is less than mine, but his jeep is more, as are his utilities (we are both still being billed together, lol). So it makes me question if he got a raise and I need to try for more child support, LOL. Right now I only get $300/mo and that basically just covers the kids insurance which I pay. But I'm afraid to do that as we didn't use friend of the court to establish the amount. Our lawyer had a program that could estimate what I would get. In reality I'm only supposed to get $200/mo, but the ex bumped it up for me. I'm worried if I request an adjustment, I'd get less.
Okay, venting over....back to your regularly scheduled churning
(and I've totally been there before where I overdo things,and have to pull from savings to pay a large bill. I didn't like the feeling at all- I was thankful I had it to pull from at the time!)
@LilSweetPeaPhoto I’m going to echo this on the rental property. People have NO clue how cash draining rental properties can be. Something random but expensive- like a broken AC unit or busted pipe under the driveway- could eat up your entire year’s profit. And that’s if you don’t get a nasty tenant who beats the place up and stops paying rent (which is an expensive PITA to get rid of them). You need cash reserves for after the purchase in the rental business or it will bury you financially.
Thanks so much. Tried and got the 60,000 public offer
Thanks so much. Tried and got the 60,000 public offer
Hi and welcome
I received a very quick response back from SWA congratulating me on the status match. Now, I need to find three RT flights to keep it going for a year 
