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Can someone link the discount code spreadsheet?
Made it to Delta Silver 🤟
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If you like coffee and find yourself buying Starbucks all the time, buy an espresso machine. Wouldn’t recommend spending the whole 4K on it, but it’s a practical investment and eventually pays for itself.
Rancilio rocky plus Silvia for about a grand… or the breville pro for 700
Buy a really nice mattress. A quality bed is worth its weight in gold, well improve your sleep(and overall health), and will last 5-10 years.
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Thank you. I purchased a Saatva last year.
Why am I the only one who doesn't have trouble reaching a spending goal for a bonus...? Are you all paying cash for daily essentials and regular purchases?!
Pro
GT, I'm with you. No problem reaching these spending targets.
Expensive international (or first class) flights. Lax change rules (and first class / refundable fare) right now mean you could just keep kicking the dates of travel out until you can actually go.
Plastiq for rent of course
Yes but you’ll pay a small % fee
Agree with the Costco gift card mechanic if you use any of their available options. Or buy a new couch. Worst case scenario try to pay rent via PayPal/Venmo and just eat the fee.
We used our new CSP to buy a puppy and all the related expenses. Got to 4K reeeeal quick.
Omega Speedmaster from @shinyhappyobjects. Support small business!
Get the spymaster instead
Over three months right? Do you go out to dinner or for drinks with friends? Start charging in the whole tab and having your friends Venmo or PayPal you.
Timeframe?
Get a prepaid Visa card. Grocery store gift card. Gas card. Etc.
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Why are they not allowed if you buy at a grocery store? That being said you can buy an expensive item and return for store credit right away so it is coded as purchase.
Buy gift cards on Amazon?
How big is the bonus that you’re willing to dish out $4k for it?
I usually get a card when I’m due to make a car insurance payment which helps knock off a chunk of the spend.
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Smart! Thank you for this tip
Donate to a charity
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Already did! Highly recommend the education kits at Unicef if anyone would like to donate
Medical expenses!!!
Kiva - you get repaid after 12 months. Just be mindful of default risk, currency flux, and opportunity cost of parting with your money.
Given the value of CC bonuses, I sometimes find it worth it if I need to come up with spend but don't want to make frivolous purchases
Savings account
Income taxes if you’ll owe. Their is a 1.87% fee, but ideally your SUB is greater than that.
Gift cards but check the fine print
Is this AMEX? If not, I'd just go to the grocery store and buy v/mc gift cards for whatever you need-hopefully it's not the full $4k since you should be able to spend something on legitimate charges. If it's AMEX, the easiest is taxes, though you can still find v/mc gift cards at places that AMEX is less likely to manually review/where they do not get level III data.
Do you have to pay additional fees if you pay taxes via amex?
You could pay your income taxes. There is a fee. if your bonus is greater than 2%, then it beats the fee.