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Is this Hobby for Me?
If youāve been curious about opening credit cards to earn points and miles, youāre probably wondering: is this actually for me? Ā The truth is, this little ātravel pointsā hobby works best for people who already have certain money habits in place. Hereās the quick gut check: You always pay off your credit cards in full. If youāre carrying balances month to month, the sky-high interest rates will wipe out any free travel you earn. Rule number one: points only make sense if you

Lacee Dackiewicz
Aug 13, 20251 min read
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My Credit Score- Will Opening Credit Cards Tank It?
Short answer? Nope ā not if you play it smart. My husband and I have been opening 3ā4 new cards a year for the past five years, and guess what? Our credit scores are still hanging out in the 800s. š So yes, itās totally possible to rack up those sweet points without wrecking your credit. Hereās how we keep things in the safe zone: Give it some breathing room. Donāt go wild and apply for five cards in one weekend. We try to wait at least 90 days between new applications. If w

Lacee Dackiewicz
Aug 1, 20251 min read
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Staying Organized & the 5/24 RuleāWhat You Need to Know
Iāll be talking about Chase a lot, and for good reason ā their cards and welcome bonuses are some of the best out there. But before you jump in, thereās one big rule you need to know. The ā5/24 ruleā Ā is Chaseās not-so-secret way of gatekeeping their best credit cards. Hereās how it works: if youāve opened 5 or more personal credit cards (from any bank!) in the past 24 months , Chase will usually deny you for a new cardāpersonal or business. What does Ā count toward 5/24? All

Lacee Dackiewicz
Jul 2, 20252 min read
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