12/28/2023 0 Comments Citi business card log inI also added it as my default payment on ride-hailing and delivery apps, which earns me additional points and helps me save on fees. Though I know it's not the case for everyone, I'm able to pay my rent and other bills on the card, which makes hitting that $4,000 benchmark within that timeframe relatively easy. To ensure I get the sign-on bonus - which, when I opened, requires me to spend $4,000 in the first three months - I plan to use the card for most of my day-to-day purchases. And I was eligible for a nice sign-on bonus, which gave me even more confidence that this was a good opportunity for me to jump on. My card also gives me points when I use it to book travel and comes with an annual hotel credit, offering me an incentive to do the thing I so often put off in the first place. See Insider's picks for the best rewards credit cards » Getting the most out of my card Read Our Review A looong arrow, pointing right I found a card I like that allows me to get extra points when I spent on dining and certain grocery and meal delivery services - two things I already had worked into my budget. I knew I wanted to find an option that offered good travel perks, but also something that wouldn't require me to spend differently than I already do in order to get the benefits the card promised. However, I've proven to myself throughout the past few years that I can thoughtfully manage a budget, so I wasn't too concerned with the possibility of racking up debt, and felt confident that a rewards credit card might be the right step for me. I've never been necessarily against credit cards, but I also haven't felt the need to rush into any decision. I've never had one, though I've toyed with the idea for a few years. Though I considered them all, none felt like the right move, until I started thinking about opening up a travel rewards credit card. I could take on more work to earn some extra cash I could live extremely frugally for a few months I could invest less or put less money aside for long-term goals. Before throwing in the towel, I ran through a series of options. A travel rewards credit card will help get me back on trackīut I was determined, and giving in felt like letting myself down. Within months, a series of unexpected financial obligations - including a move to a new apartment - started adding up, and I almost ditched my travel plans again. I set an alert for flights, researched low-cost destinations, and felt confident with my game plan, knowing even I couldn't talk myself out of booking an experience with the right organization.īut even the best planning can't account for real life. In January, I set up a sinking fund and worked out a budget that would allow me to put aside a couple of hundred dollars from every paycheck that I planned to eventually use towards a summer trip. See Insider's picks for the best credit cards » My travel plans were derailed So this year, I resolved to finally make traveling a priority - and I had a plan to make it happen. It's practical, and so am I, and I find it admittedly too easy to forgo my own wants for things that I deem more important or pragmatic. This past December, as I was reflecting on 2022 and what I hoped for 2023, I couldn't help but realize that I only ever consistently meet one of these targets: saving. The number changes, but the goal is almost always there. The first is to save a specific amount of money. By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept ourĪlmost without fail, I make the same two resolutions at the start of every year.
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