Guest Post – Traveling with College Debt

Got College Debt? Here’s How You Can Still Travel Guest Post By Jacob, the voice over at @DollarDiligence. Jacob knows quite a bit about student debt, in fact, he paid down over $25k. Jacob is working to help and inspire others to take control of their finances. If you’re one of the 40 million Americans who has student loan debt, you may think that you’re trapped by them....
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Tips to Maximize Your Savings Potential, Even With Low Interest Rates

Tips to Maximize Your Savings Potential, Even With Low Interest Rates Guest Post By Patty Moore from Working Mother Life Visit her blog for more information on how to save money and balance a budget for your family, as well as more child-centric financial information.   Most banks offer super low interest rates on savings accounts, which can be a pain for tho...
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Puerto Rico Winter Escape – Paid for with Points

El Yunque
Puerto Rico Trip for Two We chose to visit Puerto Rico in March to escape the seemingly incessant Cleveland Winter.  Originally, the 51st state wouldnt even be on my radar... but thanks to the SouthWest Companion Pass and their dozen 'Caribbean area' destinations, we thought we'd explore a new Rainforest / Tropical area, since we liked Costa Rica so much. To 'Finance' this tr...
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Comparing Hotel Points – New Orleans [Hyatt, Hilton, & IHG]

French Quarter Hyatt
One of the hardest parts of determining which card to get, is the burden of figuring out 'which card gives you the most bang for your buck?'  specifically when 'paying' with points.  This matter is further complicated because each Hotel Line has 1-5 different types of Hotels, and 1-9 different 'Point Redemption Levels.'  Its hard to do a 'tit for tat' comparison unless you have...
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Relaxing Costa Rica Nature Retreat

Costa Rica is now part of the new 'non-US' destinations that SouthWest flies!   A round trip to Costa Rica averages 25,000 Points, which means one SouthWest credit card can get you and your special someone there.  If your special someone returns the favor, you could get the hotels and/or car rental for free as well. We opted for the more rustic 'Naturey' vacation, as we both...
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Credit Score Details – Churning FAQ

Most people immediately think opening 5 credit cards in a year as damning to your Credit Score.  The irony is is the opposite is often true. Credit scores are calculated by looking at the data found in a credit report. This includes the following: Payment history Length of credit history Credit utilization (total available credit / credit used) Types of credit used (revol...
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Last Minute Deals and Other Churning News

Sometimes an Offer 'Too Good to Be True' Might not be around for too long.  If that's the case you have to strike while the iron is hot.  Here you can find a list of Last Minute Opportunities and Current Deals that may be Expiring Soon , as well as news relevant to 'Churning.' Until the Bubble Collapses BitCoin: Yes, You CAN Buy BitCoin on CoinBase and other associated E-Cur...
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EuroTrip – Italy Ireland & England on the Cheap

In 2012 I went on a Solo Trip to Italy, England and Ireland.  I had already been to Italy before, but missed out on Florence.  London and Ireland have always been high on my 'To See' List,  and I was excited to do some traveling Alone for the 1st time in my life. I was still new to the Credit Card Churning game at this point, and was happy just to use a $300 voucher from Air...
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Keeping Track of your Credit Cards

Its Important to know when you open and close each card you apply for.  The Annual Fee on most cards can be removed if you wait more than 12 months, but that requires a call to Customer Service.  Ain't nobody got time for that. We use a simple Excel / Google Docs sheet that lists the following details: Card Name Date Opened Minimum Spend Requirement Min Spend...
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