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Software For Budget

Discussion in 'General Discussions' started by mangaii, Feb 29, 2020.

  1. Minion

    Minion Gold IL'ite

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    A caution about Mint, you have to link all your accounts in one place, it’s risky if the data gets breached.

    Credit cards give you a good breakdown of your expenses by each category, if you want to track the items that you paid by cash then you can use a mobile app like Smart Receipts.
     
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  2. Minion

    Minion Gold IL'ite

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    To me Credit Cards are a gold mine in a year I get back on an average $5000 equivalent value from credit card.
     
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  3. mangaii

    mangaii Platinum IL'ite

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    @Minion which one do you have if you don't mind sharing ?
     
  4. Caughtinbetween

    Caughtinbetween Gold IL'ite

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    Yes I also want to know please :)
     
  5. Minion

    Minion Gold IL'ite

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    Are you asking about Credit Card ? I have the Citi® / AAdvantage®Platinum Select®World Elite™ Mastercard®

    It has a $99 annual fee but you get 50000 AA pints which you can redeem for flights.
     
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  6. Minion

    Minion Gold IL'ite

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    I keep switching the credit cards every 2 years, if you love travel it’s an addictive hobby.
     
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  7. mangaii

    mangaii Platinum IL'ite

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    I have narrowed down purchases to only one credit card this month and one for other half. This is easier to analyze. I find the tools provided by CC company to be good enough for analyzing the expenses. I'm tracking fixed expense like cost of sports class, gym membership, HOA and all those under excel sheet. I don't see any cash back in my CC. I have applied for discover .The cash back ranges from 1-5% . If anyone has better suggestion please post it here.
     
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  8. Minion

    Minion Gold IL'ite

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    Cash back is the lowest payback in credit card, start collecting points like Chase ultimate rewards so that you can redeem it for multiple things including travel.
     
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  9. Caughtinbetween

    Caughtinbetween Gold IL'ite

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    thank you .
    I dont travel lot but looking at good cash back cards out of regular expenses . Last year I had received points for 300$ worth cash back on my american express blue card . My major expenses are child care and merchandise / groceries etc .
    sorry mangai to hijack your thread with my doubts .
     
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  10. Minion

    Minion Gold IL'ite

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    If anyone is interested in credit card points you can take a look at this blog Million Mile Secrets if you have questions please post here happy to reply
     

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