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Annual fee hits in year 2… do I cancel?

Not always.

Hotel cards are my biggest keeper card long term.

Here’s why 👇

They often give free night certificates that can be worth WAY more than the fee.

Example:

Paid $125 annual fee→ got a 35k free night

Booked near the Grand Canyon → $388 value

That’s a win. 👏

This Marriott business card actually has a higher offer right now 👀 Plus—it’s a business card, so it doesn’t hit your credit the same. And you can qualify even if the smallest little side hustle.

A lot of people are switching to Marriott… I’m one of them.

Comment “free nights” if you want the link.

Annual fee hits in year 2… do I cancel?

Not always.

Hotel cards are my biggest keeper card long term.

Here’s why 👇

They often give free night certificates that can be worth WAY more than the fee.

Example:

Paid $125 annual fee→ got a 35k free night

Booked near the Grand Canyon → $388 value

That’s a win. 👏

This Marriott business card actually has a higher offer right now 👀 Plus—it’s a business card, so it doesn’t hit your credit the same. And you can qualify even if the smallest little side hustle.

A lot of people are switching to Marriott… I’m one of them.

Comment “free nights” if you want the link.

Next time you’re in Albuquerque, don’t skip this 🐘✨

The ABQ BioPark Zoo was such an easy, fun day—so many great exhibits, but the hippo feeding?? Highlight of the day 😳

Perfect if you’re looking for something fun and low-key to do in Albuquerque

Next time you’re in Albuquerque, don’t skip this 🐘✨

The ABQ BioPark Zoo was such an easy, fun day—so many great exhibits, but the hippo feeding?? Highlight of the day 😳

Perfect if you’re looking for something fun and low-key to do in Albuquerque

This is your reminder that credit utilization has a HUGE impact on your score.

👉 Credit utilization = how much of your available credit you’re using

(Example: $5,000 limit, $2,500 balance = 50% utilization)

Even if you always pay your cards in full at the end of each month, letting a high balance report can temporarily tank your score.

The good news? It bounced right back 🙌

👉 Pro tip: Pay off large purchases before your statement closes to keep your utilization low

This is your reminder that credit utilization has a HUGE impact on your score.

👉 Credit utilization = how much of your available credit you’re using

(Example: $5,000 limit, $2,500 balance = 50% utilization)

Even if you always pay your cards in full at the end of each month, letting a high balance report can temporarily tank your score.

The good news? It bounced right back 🙌

👉 Pro tip: Pay off large purchases before your statement closes to keep your utilization low

Just got 10,000 points back on a flight I already booked 🥳✈️

Yes, I book Basic fares. Yes, I know you “can’t modify them.” And yes… I also know not everyone is out here reading the fine print like it’s their full-time job 🙃

So here’s what I do:
– Track what I paid (literally just in my Notes app)
– Check prices every Tuesday when sales drop
– Search like I’m booking a new flight (NOT “modify flight”)
– If it’s cheaper → cancel, get points back, rebook

Same flight. Same seat. Less points.

Do with that what you will 👀

And if you hate Southwest… I love that for you 🫶

Just got 10,000 points back on a flight I already booked 🥳✈️

Yes, I book Basic fares. Yes, I know you “can’t modify them.” And yes… I also know not everyone is out here reading the fine print like it’s their full-time job 🙃

So here’s what I do:
– Track what I paid (literally just in my Notes app)
– Check prices every Tuesday when sales drop
– Search like I’m booking a new flight (NOT “modify flight”)
– If it’s cheaper → cancel, get points back, rebook

Same flight. Same seat. Less points.

Do with that what you will 👀

And if you hate Southwest… I love that for you 🫶

Stop overpaying for rental cars 🚗💸

This is the exact system I use every time I travel to make sure I’m getting the best possible deal (and sometimes even rebooking for cheaper after I already booked 👀).

Most people just check one site and call it a day… but that’s how you leave money (and points) on the table.

The key?
Compare, then track your price AFTER booking.

That last step is where the real savings happen 📉

If you’re earning points (especially 10x on travel), don’t just look at price — look at value.

Save this so you don’t forget before your next trip ✈️

Stop overpaying for rental cars 🚗💸

This is the exact system I use every time I travel to make sure I’m getting the best possible deal (and sometimes even rebooking for cheaper after I already booked 👀).

Most people just check one site and call it a day… but that’s how you leave money (and points) on the table.

The key?
Compare, then track your price AFTER booking.

That last step is where the real savings happen 📉

If you’re earning points (especially 10x on travel), don’t just look at price — look at value.

Save this so you don’t forget before your next trip ✈️

Guess I’ve been training for the points and miles life, my whole life 🫶🏼🛫

Guess I’ve been training for the points and miles life, my whole life 🫶🏼🛫

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