Happy New Year from the CST, Gardeners! Have a prosperous 2023.
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
You guys just love to jump the gun every month.
Ahhh, the Garden! I'm so happy to have made it this far. I'm going to push to diamond 💎 status this year. Best wishes in meeting all of your credit goals too!
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@SeaProbe wrote:Happy New Year all!
Last month, I moved from diamond to seedling. This year I am gardening and trying to build and follow a simple set of rules for using the cards that I have to maximize my rewards, and trying to increase - yes, SP only - CLs for cards that I am regularly using.
I found that I was trying to optimize every single spend category, and just created too much work for myself trying to juggle what to use when, and tracking how close I was to each spend category limit. The extra percent or half of a percent really wasn't worth it for me.
Six months or so should be enough time to evaluate how well my plan actually works out… wish me luck
Excellent reflections. It's good that you've got a solid plan. Best wishes in sticking to it.
Dawgs going to LA! Will be catching a flight Saturday afternoon
@1GaDawg85 wrote:Dawgs going to LA! Will be catching a flight Saturday afternoon
Huge congrats, @1GaDawg85!
I'm a Tide fan (went to school there) but I have huge respect for UGA and I've always liked Coach Smart... IMO the classiest there is. Watching the game I was a bit nervous there at the end (!!!) but they came together and made it happen. I'm sure L.A. is going to be tons of fun!
TL;DR... from this Tide fan, Go Dawgs! 
2022 can kick rocks
Happy New Year!
Blessings ... Experian added one point today
