Need to spend $4k for bonus. Please share ideas? Can't do rent since that's a cash transaction.

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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.

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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.

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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?!

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GT, I'm with you. No problem reaching these spending targets.

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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.

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Plastiq for rent of course

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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.

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Omega Speedmaster from @shinyhappyobjects. Support small business!

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Get the spymaster instead

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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.

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Timeframe?

Get a prepaid Visa card. Grocery store gift card. Gas card. Etc.

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?

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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.

Smart! Thank you for this tip

Donate to a charity

Already did! Highly recommend the education kits at Unicef if anyone would like to donate

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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.

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