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Frequent Contributor
cassembler
Posts: 470
Registered: ‎02-07-2011
0

Re: Wanna know how I saved $700 without even trying?

Yeah, going all-plastic has this drawback. The paltry 1-2% cash rewards arguably don't even cover the risks of using credit as a primary cash flow tool, with the util hit on the credit and all...

 

I miss debit card rewards :smileysad:

 

Anyone using BofA's "Keep the Change?" Sounds like it may be an equivalent of a change jar, if they still do it...

"Credit is purely a cash flow tool. Thinking of credit as extra money you didn't have before makes it an EXPENSIVE cash flow tool."
Valued Contributor
IOBA
Posts: 2,697
Registered: ‎08-13-2009
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Re: Wanna know how I saved $700 without even trying?

cassembler - I do the "keep the change" thing on my own.   I wish I had never told BA about it.  :smileysad:

 

But it does work for me and I have been doing it for years.   Rounding up.   Saving the differences.   Going to Europe in a few months (thanks jingle, jingle).

Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
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Re: Wanna know how I saved $700 without even trying?

I used to save coin, but I've been debit card only now for 3 years. I do collect coin, but it's strictly silver eagels, morgan dollars, and small denomination us gold coins.

 

My dad on the other hands; he has jars all over the place that you would think was part of the decor.  Nope, silver change in all of them.  Lucky ..

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
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Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: Wanna know how I saved $700 without even trying?

[ Edited ]

The little kids at church are collecting change for the Heifer Project for Valentine's Day.

 

I had to go pull cash out of an ATM and break a $20 to generate some change. :smileytongue:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
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Re: Wanna know how I saved $700 without even trying?


cassembler wrote:

 

Anyone using BofA's "Keep the Change?" Sounds like it may be an equivalent of a change jar, if they still do it...



I do, and have racked up 1347.xx over the last calendar year.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Frequent Contributor
JenniferinFL
Posts: 408
Registered: ‎03-16-2012
0

Re: Wanna know how I saved $700 without even trying?

LOL, we never have change leftover..  I'm a bit into couponing, so any spare change we have I hoard and use when shopping with coupons to pay the tax.. I can't pass up toothpaste for 8 cents, but, the clerk gets annoyed when I use debit for it, so that's where my spare change goes. Plus, that way my husband isn't complaining about how often CVS or Walgreens shows up on the bank statement.

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014



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