Reader Question: Will Credit Card Rewards Ruin Your Credit?

Will credit card rewards ruin your credit? Nah!Over the last few years, my husband and I have signed up for dozens of new credit card accounts.  I’m sure that probably seems pretty extreme, but it’s really not when you consider the fact that our credit cards are spread across our two personal credit profiles and three separate businesses. [Read more…]

My Frugal West Coast – Las Vegas Vacation

Famous Welcome to Las Vegas sign with vintage textureI recently planned out all of our trips through November 2015.  Crazy, I know, but it is just part of the sickness.

Still, sometimes it pays off to plan ahead since some of the best award redemptions can only be made early.  Personally, I like to have as many options as possible, so I always start scheming as soon as I can. [Read more…]

Travel Hacking to St. Maarten (With Pictures)

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Me. In My Bathing Suit. You’re Welcome

If you know me at all, you know that I absolutely love beaches.  Of course, not all beaches are created equal.  I love the soft, white sand found on the beaches of the Florida panhandle, for example, but I prefer the crystal clear water you find in the Caribbean.  Bonus Points for a soft, sandy bottom you can walk on, but Super Bonus Points for nooks and crannies where I can snorkel.

All beaches are different yet beautiful in their own way, and I truly enjoy any moment I can spend on one – anywhere. [Read more…]

You Should Never Pay Full Price for a Vacation

A plane coming into the airport near Sonesta Maho Beach.

A plane coming into the airport near Sonesta Maho Beach.

Yesterday, I turned 35-years old, and today I’m on a plane heading to St. Maarten to celebrate.  I’m really excited, and not only because I’ve never been to St. Maarten, but because we are heading to a brand new resort that just opened on December 25th.

We are only staying for five days, but we plan to make the most of it by spending quality time together, snorkeling, and probably eating and drinking more than we should.  My plane lands at 2:00 p.m. EST and I cannot wait to take off these winter clothes and ease right into vacation mode. [Read more…]

December Budget Breakdown and Savings Updates

xmassweaterGood morning, thriftaholics.  I honestly cannot believe that it is December already.  Where did this year go?  It seems like I was just plotting out our goals for 2014!  Craziness.

Anyway, I am pretty happy with how our year went both financially and personally.  We did really awesome when it came to creating a zero-sum budget each month, and we were able to stick to our plan the vast majority of the time (aside from at least one epic budget fail).  [Read more…]

Epic Budget Failure: When Everything Goes Wrong

failedI try to be an open book about our budgeting process.  For example, I post our monthly zero-sum budget each month and do my best to share the ups and downs as the month goes on.

And most of the time, there is honestly nothing exciting to report.

Sure, we occasionally dip into our miscellaneous category for excess grocery spending here and there.  And yes, we are sometimes stuck eating boxed food and can goods for a few days towards the end of the month.  And everyone once in a while I forget to budget for some random expense and end up transferring an additional $50 over into my account to pay for it.  [Read more…]