Day 3386 – Get Smart About Credit Day

I’m going to share soon about an AMAZING travel hacking course* I took a few months ago, but I wanted to share the link today because it definitely relates to the topic. What’s cool about the course is that it also talks about credit. So why not kill two birds with one stone and get free travel out of it?

Credit is one of those things that can be a big mystery. Thankfully, there are lots of tools out there to help you figure it out and that track things for you. My biggest source of updates and to keep an eye on all of my finances and budgets is Mint.com. I’ve used them for well over four years and have been super happy.

It tracks everything that I spend, I can change categories for things, and I get a very true and clear picture of where we are financially. The only downside with it is that it starts tracking from the day you sign up. So it can take a few months to see your trends. Thanks to Mint, we were able to see how much we were spending on food and gas and other things. Instead of a “well, I think we should budget XX for this” we can definitely say “we spend this much.”

What do you do to keep up with your credit?

*Affiliate link – I will get a small percentage if you purchase the course, at no additional cost to you. Y’all know I ONLY share things that I have personally used, done, and approve of. The course will more than pay for itself with your first bonus. I recently got a new Southwest Business card and will be getting about $900 of free flights because of the bonus.

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

Did you like what you read? Here’s some ways you can support us and this blog!
Join our Facebook group, Planning an Epic Road Trip on Any Budget
Join the Journey With The G’s email list (bonus – you get my Epic Road Trip Budget spreadsheet)
Buy my book, Planning an Epic Road Trip on any Budget.
Buy my book, Trusting God With 2 Cents: 22 Days To Becoming A Successful Christian Business Owner.
Shop on Amazon (no additional cost to you, this gives us a percentage of what you order).
Check out our resources page.
Subscribe to our YouTube Channel

Day 3261 – How I Got $621.96 In Free Flights And Am Going to California For $521.96 And How You Can Too

Y’ll know I love Southwest. I’ve blogged about them a lot but I wanted to share about a recent experience I had with Southwest and a new experience with Allegiant free travel as well.

Now first, my biggest piece of advice when using a rewards credit card is to know your limits. We use our credit cards like cash and pay them off about once a week or every other week, depending on our income. The cool thing about both credit cards is I can pay off the card before the transactions post. Previous cards I used did not let me do this, maybe this is a newer feature and those cards now offer it, but this is a big feature to me. On some of my previous bookings, I purchased the tickets, then hopped over to pay them off right away. If you don’t think you can control yourself with a credit card (i.e. buy more than you normally would without a credit card), then use it to autopay some bills and keep it in a place where you won’t use it. We pay our cell phone and car insurance through our cards. I had a friend who put a large one time purchase on the card to get the bonus miles and paid it off right away. We use both cards for everything except rent.

Where we travel to in California is not a Southwest airport. That has caused us to do a few creative things like renting a car and driving from Vegas or sucking it up and paying for an expensive flight from Vegas to Fresno. Seriously guys, for a 45-minute flight, you’re looking at roughly $300+. A few years back, a new airline started flying into Fresno and it has made travel there SO much more affordable. That airline is Allegiant. It’s a very “you get what you pay for” and you do pay for what you want. If you’re traveling with checked bags and large carry-ons, it might be a little less affordable (you pay for each piece), but we’ve learned that our backpack and duffle bag work at personal items (i.e. they fit under the front seat). So we’re looking at a $40-80 (+taxes and fees) flight. You have to pay for drinks too (but you do get a free drink if you have the credit card).

On our last holiday trip to California, I signed up for the Allegiant credit card. I got a statement bonus of $50 after only six weeks of using the card. We then earned the signup bonus of 15,000 miles not long after. The cool thing about Allegiant’s miles is they translate miles to dollars (whereas Southwest’s miles fluctuate by the time of year and location). So 15,000 miles is $150 of travel. We used that card exclusively until we earned enough miles that I thought it would cover our next flight, then we went back to Southwest.

While both cards have a yearly fee, Southwest at least gives you 6,000 bonus miles on your anniversary. So a $99 fee that ain’t bad.

So that brings us to yesterday, where I booked flights from BWI to LAS to FAT (and back again). Here’s what my costs would have been for two people:
BWI -> LAS (roundtrip) via Southwest – $983.92
LAS -> FAT (roundtrip) via Allegiant – $160.00
Total cost – $1,143.92

I had enough points to cover Allegiant completely and I had enough points to cover one way on Southwest for each of us. That left me with paying for one way.
Total cost after points – $521.96
Total savings after points – $621.96

Over HALF of my flights were covered. What’s cool is that $521.96 will get me 3x the miles, which I’ll be able to use for later flights. If we end up staying in a hotel during our trip, if I book through Rocketmiles, I can get as little as 1,000 bonus miles.

I wrote a whole post on the ways you can earn miles, so make sure to check that out.

Do you have a Southwest card? Do you love it?

p.s. This photo is from a trip I took to Florida to visit a friend and flew for free and the whole trip only cost $139.99.

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

Did you like what you read? Here’s some ways you can support us and this blog!
Join our Facebook group, Planning an Epic Road Trip on Any Budget
Join the Journey With The G’s email list (bonus – you get my Epic Road Trip Budget spreadsheet)
Buy my book, Planning an Epic Road Trip on any Budget
Buy my book, Trusting God With 2 Cents: 22 Days To Becoming A Successful Christian Business Owner.
Shop on Amazon (no additional cost to you, this gives us a percentage of what you order).
Check out our resources page.
Subscribe to our YouTube Channel

Day 2766 – Making The Most Of Your Southwest Credit Card And Getting More Miles Quickly

I absolutely love Southwest. I’m asked a lot about what we do to earn miles. I was about to write a nice long post about all of those ways and thought, hmmm, I’m going to search the blog to see what I’ve written before. Wouldn’t you know, I wrote this exact post here!

So I guess that’s it for today! Southwest has a great promotion right now where you get 50,000 miles if you spend $2000 in 3 months. If you are interested in signing up, send me an email through my Facebook page. Full disclosure, I would get 5,000 miles if you sign up!

Do you have any Southwest tips?

day_02216

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

Did you like what you read? Here’s some ways you can support us and this blog!
Buy my book, Trusting God With 2 Cents: 22 Days To Becoming A Successful Christian Business Owner.
Shop on Amazon (no additional cost to you, this gives us a percentage of what you order).
Check out our resources page.
Subscribe to our YouTube Channel