A Year With The Chase Sapphire Reserve

Rainbow of Credit (photo credit, badumtss)

Rainbow of Credit (photo credit, badumtss)

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A little over a year ago, with much fanfare Chase launched a new travel oriented rewards credit card, the Sapphire Reserve.

Despite a seemingly steep annual fee ($450), we were eagerly among the early adoptees.

After a year of card use, did the benefits exceed the cost? Let’s check (hint: yes, they did indeed.)

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Is it Better to Use Cash or Points for FinCon?

FinCon or Bust

It’s that time of year again, when the world’s financial bloggers converge to communicate, collaborate, and carouse, aka FinCon.

We will miss out since we are back in Asia, but hundreds of others will be converging in Dallas this week. As with any gathering that involves travel, there will be airplane tickets and hotel rooms, a bit of dining, maybe a car rental or Uber, and perhaps even an alcohol related expense or two.

Sounds like a great opportunity to use credit card reward points to get some free travel, right?! Several people on Twitter were considering last minute trips and trying to decide, cash or points.

imho, cash. Every time. Twice on Sunday.

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Emergency Funds are Overrated

That Time I Intentionally Overdrew Our Bank Account (photo credit)

An important principle at the heart of successful financial management is “don’t spend more cash than you have on hand.”

Cash flow is important. Run out of cash and bad things can happen… banks charge overdraft fees / businesses charge late fees & interest / Uncle Vinny busts your knee caps…

Why then did I overdraw our bank account this month? On purpose. Twice.

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Retire Early.

Travel the World.

Let's do this.

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