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How Much Time Does Credit Card Churning Take?

Earn free travel

I remember when I first discovered credit card churning. I can’t remember exactly where I read it first. It very well could have been from Holly at Club Thrifty. I used to think it was really bad to close and open new credit cards all the time. I’m not sure how my logic applied because I thought it was perfectly fine to run up a ton of credit card debt, but that’s all in the past now. I have seen the error of my ways and now know that if I can find the right credit cards and use them wisely, our family can travel anywhere we want for very low cost. One question people ask me is how you find out what card works with where you want to go and how much time does it take to be successful at credit card churning. It really all depends on whether your ideal vacation is to Florida or Fiji, but here is a basic run down of thing I do to make the most of my miles and points and how much time I spend doing it. Where Do You Want To Go? For me, the majority of my time ...

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Things To Do When Visiting Southwest Colorado

Near Silverton on the Million Dollar Highway

Sometimes I complain about living in a small town. There aren’t big events, huge shopping selections or cultural experiences. What we lack in modern amenities, though, we make up for in scenery and outdoor activities. If your idea of a fun vacation is swishing down the slopes or hiking above treeline, southwest Colorado would be nirvana. Here are a few hidden and not so hidden gems from my backyard. How Do You Get Here? Southwest Colorado is a hard place to get to, but well worth it if you make the effort. The best option, in my opinion, is to fly into Durango, Colorado if at all possible. Durango is a small regional airport, but offers daily flights on American/US Airways to Phoenix and Dallas or United to Denver.  If  you collect miles for free travel, it’s pretty easy to score awards by using Chase Ultimate Reward points, or one of the United or American Airlines cards. If you can’t make it into Durango, Albuquerque, NM is the closest major airport and is about a 4 hour drive. Let’s say you have 5 days and you are coming in the summer. A winter trip would certainly have to include skiing, ...

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Ways To Save Money On A Road Trip

We would never have found this without road tripping

  I think road trips are highly under rated. I know we all picture scenes from when we were kids that involve Dad yelling, “Don’t make me stop the car!“ Jim’s dad used to always put a full glass of water up on the dash before beginning a road trip, which would inevitably spill into his lap at some point during the journey, bringing on the slew of muttered cuss words followed by complete silence in the car. My parents used to always bicker because my Dad would never let Mom drive. He would get so tired that he’d nod off at the wheel, causing a huge argument followed by complete silence in the car. Ah, the joys of travel with the family…. I feel like we are a little more functional and have road trips down to a science. We know what to pack, what things to bring to keep a 6 year old entertained, and even what to do in the event of a breakdown. You all know that I’d almost never pay full price for travel. If we did, we’d at least get some awesome credit card rewards for doing so. Here are some tricks we’ve learned ...

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Luxury Trip For 3 To Hawaii For $500


The first time I went to Hawaii, I was a young pup just out of school. At that time of my life, sleeping on a floor surrounded by 5 other people was no big deal. Needless to say, it wasn’t a luxury trip. The second time I went to Hawaii, Jim and I had only been married a couple of years and we were in the process of running up $30,000 in credit card debt. We put the whole trip on credit and probably spent around $5000. My third trip to Hawaii will happen this summer. Our family of three is leaving the mountains for the ocean, and we are going luxury all the way. Since we don’t do credit card debt anymore, and we are now very careful with our money, how are we going to hula our way across the Pacific on the cheap? Miles and points, my new favorite currency! As a disclaimer, I know many of my readers don’t use credit cards because of bad experiences in the past or because they are trying to shovel their way out of debt. I get it. You don’t have to read this post, but I hope you will ...

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How to Afford a Vacation- Time Off and A Place To Stay

Coastal view from our summer vacation

When you work full time, especially if you own a business, it might be hard to take a vacation. If you are in debt or living paycheck to paycheck, that makes it even harder. We recently took our longest vacation in over a decade. While a ten day vacation may not seem like long to world travelers, if you knew my work history, it’s nothing short of a miracle. If you are dreaming of sandy beaches and mai tais, but don’t feel like you have the time or can afford to take a vacation, maybe there is a way. Work is Ruining all My Fun! I think the biggest obstacle facing most would be vacationers is work. If you work for someone else, it’s hard to take extended time off. Even if you are the boss, it can be tough. You could find yourself ten years into a job and only taking a few consecutive days off here and there. To be able to take time off, you have to make sure there is someone you can delegate your work load to, and you have to be able to have enough money to supplement your income if you are taking ...

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