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We show middle class folks (like us) how they can leverage their good credit score to finally take that long-awaited trip. Travel isn’t free but we can help you take trips for pennies on the dollar!

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Where I’m Using Next Hyatt Free Night Certificates

September 3, 2025 By Nancy 5 Comments

A scenic view of the Golden Gate Bridge in San Francisco, California. The iconic red suspension bridge spans across the blue waters of the bay, with green hills and a partly cloudy sky in the background. A fort-like structure is visible in the foreground near the water's edge.

My husband and I just paid the $95 annual fee on our Chase World of Hyatt credit cards last month. This entitles us to a free night certificate for a stay at a Category 1-4 Hyatt hotel. We actually have two free nights, since we each have the card. In the past, we’ve used our […]

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September 2025 Transfer Bonuses (2 new ones so far!)

September 2, 2025 By Nancy Leave a Comment

A circular traffic sign with a red border and a blue center, featuring a red diagonal line crossing through two white arrows pointing left and right, indicating no left or right turns. The sign is mounted on a metal pole against a green corrugated background.

Let’s see how we can make our miles and points stretch this month! New: Capital One 30% Transfer Bonus to Virgin Red From now through October 1, 2025, get 30% transfer bonus from Capital One to Virgin Red. With a Virgin Red account, you can move points to Virgin Atlantic Flying Club and fly on […]

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Taking Advantage of Chase Pay Over Time Offer

September 2, 2025 By Nancy Leave a Comment

The image shows a financial summary for a payment plan. The remaining principal is $1,198.38. The monthly plan payment is $66.58, and the original principal is $1,198.38. It mentions that the monthly payment includes a fixed fee added to the credit card's minimum payment. There is a link to the "Pay Over Time dashboard." The status is active, with 18 remaining payments out of a total of 18. The plan start date is August 25, 2025.

I have a hard time passing up a 0% interest offer on credit cards, especially with the way interest rates are these days. I just took advantage of a 0% offer to spread out payments on a larger purchase. Chase Pay Over Time Offer Chase bank has a Pay Over Time feature that allows credit […]

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Easy Status Match, Bilt Rent Day and More

August 30, 2025 By Nancy 2 Comments

A small American flag is planted in a grassy field, with the sun setting in the background. The sky is partly cloudy, and the sunlight creates a dramatic effect with rays shining through the clouds.

Bilt September Rent Day: Up to 100% Bonus on Virgin Red Transfers: On September 1 (Bilt Rent Day), members can get up to 100% transfer bonus to Virgin Red (offer is targeted and varies). My husband is a Gold Bilt Rewards member and only received a 40% transfer offer. We will be passing on this […]

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My Top Contenders for Next Summer’s Family Vacation

August 28, 2025 By Nancy 8 Comments

A scenic view of a mountainous landscape with snow-capped peaks under a partly cloudy sky. In the foreground, there are lush green trees and a small town nestled in a valley. The town is surrounded by dense forests and rolling hills.

Some people may think I’m nuts for already dreaming about next summer’s vacation (yes, 2026!). But many readers can probably relate to this advanced planning timeline. After all, flights go on sale 11-12 months in advance, and that’s often the best time to find cheap award flights using miles and points. I already have 3 […]

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Easter Island: Mysterious Place that Was Worth the Miles and Time to Get There

August 27, 2025 By Leana 10 Comments

A large stone Moai statue stands on a grassy hillside under a clear blue sky. The sun is shining brightly in the top left corner, casting light and shadows on the landscape.

This is the final installment  in my series of posts on our recent trip to South America. See my previous  posts Back from our family trip to Peru and Easter island: Bumpy start, awesome memories  , Flying in LATAM economy to South America and Easter Island , Layovers in airport-adjacent hotels: luxury attainable via points , Ideal […]

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Recent Posts

  • Where I’m Using Next Hyatt Free Night Certificates
  • September 2025 Transfer Bonuses (2 new ones so far!)
  • Taking Advantage of Chase Pay Over Time Offer
  • Easy Status Match, Bilt Rent Day and More
  • My Top Contenders for Next Summer’s Family Vacation

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