Things I wish I knew BEFORE I bought into The Villas at Disneyland Hotel

[stat]

Especially when we are all here to make bad financial decisions!

I optimize my finances in a hundred small ways so that I can make bad financial decisions at Disney Because to me it's not a bad decision if I love it and if I've been responsible in offsetting ways.

“Spend extravagantly on the things you love, and cut costs mercilessly on the things you don’t.” ― Ramit Sethi

 

[VGCgroupie]

Look into some of the online HYS accounts. Lots of them offer sign up bonuses while earning 3.5 - 4.5%. Some can even be serviced in branch if you prefer that. The Apple Cash HYS linked to an Apple Card even provides 3.65%. That one is easy to setup if you have an iPhone.

I even have a Money Market with a local community bank that provides me tiered interest up to 3.78%. It's not the highest, but they are friendly and competent and I like dealing with them. I've actually switched all my primary banking to them.

I just got $1500 bonus with Cap One. But I still do my GC side hustle.

 

[PolyRob]

I just got $1500 bonus with Cap One. But I still do my GC side hustle.

I try to churn bank bonuses like I churn CCs

I started out covering the AFs for credit cards with the bank bonuses, but the CC fees easily surpassed what I could net with bank bonuses

 

[VGCgroupie]

I try to churn bank bonuses like I churn CCs

I started out covering the AFs for credit cards with the bank bonuses, but the CC fees easily surpassed what I could net with bank bonuses

I rarely do them since they take more work in my eyes. But I couldn’t pass up that $1500 from cap one. Now that I think about it I’ve done 3 of them in a span of about 2.5 years.

 

[PolyRob]

I rarely do them since they take more work in my eyes. But I couldn’t pass up that $1500 from cap one. Now that I think about it I’ve done 3 of them in a span of about 2.5 years.

Plus you lose at least 1/3 of the bank bonus like the CC referrals since you get a 1099-INT. I just do the bonuses that seem worth it. DOC comments are a life saver. I don't want to CFPB a bank (again ) for my bonus