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A Bunch of Little Things

April 7th, 2015 at 07:15 am

I just activated our Discover Rewards for this quarter to earn 5% cash back on restaurants and movies. I wish I would have done this before the weekend because I had a couple restaurant charges. I do expect more in the coming months with the house on the market and the moving process. We might as well get a little back from those purchases.

I moved $4000 from our money market account to our checking account. It's time for a bigger accessible buffer since we may be putting up a deposit for a rental home. I expect to put this all back after we move, or before if it seems it won't be needed.

I haven't been doing Swagbucks or Bing with much gusto lately. I'm just to busy and have my mind in other places. I have done a little, and expect to have a reward before the month ends at least.

Our auto insurance was billed to our credit card today. Just $385 for two drivers for six months with a $1000 deductible to include comprehensive and collision. Not bad. I have the money set aside to pay the bill and will do so when it is no longer posting as a pending transaction.

My daughter is applying for a couple more scholarships. Not sure of the odds of these, but they were relatively simple to work on so she was willing. Every dollar earned is worth it to me!

Our water bill was under budget this month by over $17. I will be counting that as a snowflake and sending that difference to the Citi card balance.

I ordered cat food online through Petsmart late last week. And it just arrived this morning. I was able to get two large bags for $48.41 shipped. I easily spend $40 for one bag when I buy in the store. I think the food was on sale, plus I made sure to buy an discounted gift card through Raise first which was discounted farther because I had a $5 reward from referring someone to Raise. So a good deal turned into a very good deal and I didn't have to leave my house to shop!

Yep, there you have it. A bunch of little money tid bits from the house of Creditcardfree. Smile

5 Responses to “A Bunch of Little Things”

  1. snafu Says:

    Sounds like you have all those various 'threads' covered. I hope it's ok to mention my encouraging DD1 to apply for as many scholarships, awards, bursaries etc. that she's willing to apply for. Her school counsellor can supply a list and any research she's willing to do is terrific experience for all the research college papers demand. There are thousands and thousands of small awards that are never even applied for much to the disappointment of the grantor.

    2nd, Any scholarships, awards etc. look terrific on a resume and gives DD1 a few extra points in any competition; likewise helpful for summer or part time employment as a student. 3rd any sums that reduce college costs is a big plus for student and parents alike.

    A question, just curiosity... In our financial system, it takes 2 business days to move funds from Money Market or even sell & settle stock from one financial entity to another with a few clicks on computer at no charge. Do you get charged for such transactions? Why move such a large sum [er yes, interest rates are nearly negligible]? Will you operate that $ 4K as a separate line item on a spreadsheet as a way to track all moving expenses whether reimbursable or not?

  2. creditcardfree Says:

    All these scholarships were links on the school counselors website. Yes, the transaction takes a couple days, and in this case it is free. I'd rather move more than enough than make multiple transfers. There is a monthly limit of six withdrawals from savings/money market accounts in the US. I will be keeping track of expenses. Smile

  3. VS_ozgirl Says:

    Nice work with counting the water bill reduction as a saving! I plan on doing the same thing tonight when I pay bills Smile

  4. FrugalTexan75 Says:

    I think the 5% rewards are retroactive - so as long as the spending is within the quarter, you'll get the 5% for it (once activated.)

  5. creditcardfree Says:

    @FT, unfortunately the fine print on the Discover It card says it is from 4/1/15 or the day signed up which ever is later. And of course, I didn't even use this card...so they really can't award anything for my weekend restaurant purchases.

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