Travel

Important thing to remember about cc points is to not accumulate for the sake of accumulating. It’s a waste if they’re not helping you book airline and hotel stays you’d book anyway

Lot of points blogs aim to sell you the dream when sometimes you just need to book trips in peak season b/c your kids are in school

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I also find, basically every time, that my points are more expensive then going direct. I don't really know what to do with this since it still feels like you are booking for free when using points (though in reality you pre-paid).

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This is why I mainly use a cash back card

Just easier not to deal with the whole point system

Lot of the time this is true. I probably spend too much brain power assessing the relative “worth” of the point redemptions before deciding on how I want to book my travel