Judique
Dis Veteran, Beach Lover at BWV, BCV, HHI, VB
- Joined
- Aug 1, 2003
Thanks for the explanation...I think it makes sense, esp. to many who might not understand why you might choose the higher bonus/spend. I myself am firmly in the organic spend category,I don't have a ton of excess income to spare,and I pay my bills carefully to hit my spends. I wouldn't,and really couldn't (at this time) make a 10k spend for another 5k points for spg biz. so this offer is lower but my only realistic option. (and I'm thrilled to get it) I can say,back in the days of much easier MS (yup I'm lazy I guess) I did more 'gentle' ms to get my spends.... but now,I'm pretty much out of that arena. So I have to choose wisely to meet my spends.
That is my problem. My expenses are very small on a monthly basis. $40 phone bill. No cable/internet - daughter is responsible for that. Some food - not much - daughter and I share that expense. Minimal electric water and gas - we have a small home. Pet care - actually close to my largest recurring expense.
Insurance, gasoline for the paid for cars. Limited gas needed - twice a month now unless on a driving trip.
Eating out - limited to mostly while travelling as I'm pretty tired of the local options and I'm careful what I eat due to diabetes. That factor alone has cut my expenses as I'm usually eating basic meats, fish and mainly veggies.
So, I have to time my spends to major expenses such as insurance and the upcoming roof replacement which is when I will do a bigger spend card. One of my six month car insurance bills came yesterday - only $488 for full coverage -(100-300 in case anyone thinks I'm underinsured.) So I emailed it to my daughter so she could use it on her spend that she is doing right now. I have access to one of her bank accounts so it can be paid easily. Using Navy Federal she can also put cash in my account without having access - it works well.
So when roof replacement time rolls around, I may do the CSP/CSR double dip and or maybe the SPG Biz if its still around.
Oh and even vacations are not huge expenses due to owning DVC and travel hacking!
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