Well..... Since I'm paring (my AF cards) I might as well be sharing
my reasoning..... recently,due to some medical issues our single income household took a hit to a no income situation. (hopefully temporary)
so far, I've still been able to utilize some built up benefits and points to go on a couple of trips (yay) but since we currently have $0 coming in, all AF cards are on the block right now...... I'll share one thing about this 'game' that has been invaluable (in addition to a 'free' Disney trip last month) over the course of the past 2 years....I focused solely on saving like a fiend,and paying off our mortgage earlier than normal. I used every tactic I could find to turn rewards and points into savings for our household- which in turn was flipped directly into our mortgage. I paid it all off in Oct '21. I used (PYB) around 900,000 UR (at least) and translated all of that into extra payments.
Now that we're in this situation -what a relief to not have that payment hanging over us. I was unsure if I had chosen correctly with all those points,but I'm so glad I was able to do this! Now I'm on to figuring out a side hustle for a while,and removing any unnecessary costs,like AF etc. The one I WILL keep is my CSP bc having the ability to still getaway and have a little fun at no cost is such a blessing! (and use the UR as cash if needed) I appreciate all the advice and cameraderie on this thread...and inspiration for travel ideas!