I made a big dent in my consumer debt this month, but I did transfer some savings to do it because (A) I had a large payment due and I would have had to incur interest if I didn’t pay it…I also changed my W4 allowances because apparently I have had 0 withholdings since I got this job 2017. That’s crazy! Each paycheck is now ~$100 more, which means I’ve freed up ~$200/mo for reducing that consumer debt.

Happy 2019, everyone! I’m looking forward to 2019, although I can’t believe it’s already here! 2018 seemed like it just started (and also like it was 85 years long…anyone else?) Can’t wait for new challenges and to build on everything I accomplished in 2018. The blog is nine months old, and I had lofty goals for the fourth quarter of the year, so let’s get to it to see how I did!

Last year, I traveled alone for the first time. Suffice it to say I learned a thing or two about what you need when you’re traveling internationally, either because I did it and I WAS GLAD I DID or I didn’t do it and I WISH I HAD.

If you can be responsible with them, credit cards are a great tool that can save you tons of money, particularly on travel.

Don’t redeem Chase Ultimate Rewards without first transferring them to your most valuable redemption portal! Here’s a guide.