More House Admin

I feel like for the last week, this has become Kat’s Boring Blog About House Stuff.  Apparently that’s where my head is at right now.

In case you have not picked up on this yet, if I am going to deep clean and/or bake something, there is a better-than-average chance that it will happen immediately after I am done running.  I’m not sure if it’s the endorphins or what, but the urge to be productive takes hold and does not let go.

So yesterday, I got done with my three mile pace run, and then I had to clean our entire house.  As in, move everything on the counter to wipe behind it, clean all of the sinks, tackle the dust on the treadmill, clean off the faces of the cabinet/fridge/dishwasher/oven.  With 10 paper towels left on the roll, I admitted defeat and tabled the activities of The Downstairs Bathroom and Washing Our Glass Patio Door.  Marcus vacuumed and swept, so I think all that’s left for us to do is to attempt to purge some extra clutter.  It isn’t as though we’ve brought a great deal of stuff into the house over the past three-ish months, but somehow it always seems like there is more to give away and throw away.

On the financial front, while it’s highly unlikely that we will ever realize the kind of savings that we did when we slashed our cable and car insurance bills, I have a new frontier to tackle: our cell phone bill and our credit card.

We are currently Verizon users and pay them an unholy amount each month.  While we’re pleased with the devices (I am a shameless iPhone fan) and the service, it seems that there are some other options out there that are worth further investigation.  Our contract ends in the next month or so and the iPhone 6 is slated for release in September.  While we don’t need new devices this year (really, we just don’t), that would be an opportune time for a switch.  I’m currently researching Virgin Mobile, Republic Wireless and Freedom Pop.  It looks like at a minimum, we would be able to reduce our bill by at least 25%.  Over the course of a year, that’s $400.  If we actually do make a switch (or any change that reduces our costs), I’ll be sure to share what we did.

On the credit card front, currently our cards are bank credit cards.  We’re not enrolled in any supremely fancy points or cash back programs.  While we don’t rely on them for anything, if we could use them as a tool to make life a little bit nicer for ourselves as a by-product of us using them to pay our basic bills, that would not be a bad deal.  Since it’s definitely our first time at this rodeo, there is a lot to research in terms of which points/miles we would actually use as well as what type of card would be better for us in the long term (5-10 years) versus the next calendar year.  You all know that we like to travel so, waiving baggage fees, reducing hotel stay costs or just general cash back would all be a big improvement over the current system.

Are you working on any home or savings/personal finance projects?

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4 responses to “More House Admin

  1. I have an Amex Platinum Card, and an airline miles card on the airline I fly the most. The platinum card is worth the (~$500) annual fee, because I never pay for baggage fees or lounge access, and I get free companion tix and all kinds of discounts and perks. My situation is unique though, because I travel internationally for work and/or for personal reasons 2-3 times a month, EVERY month. You’d have to weigh your options there. That said, I strongly recommend an airline miles card on your airline of choice, and even just a regular American Express card, which is now linked to basically everything on the points front, and is a charge card, so it must be paid off each month. The rewards are great and the risks are few.

  2. We use our miles card like a debit card. We rarely use cash. It’s the only reason we can go to Australia this year! We love US Bank Flexperks because you can do any airline. But we’ve also found that it costs less miles to get a Delta flight than if we are to book through Delta. Also, If you book a flight using Flexperks miles, you still get the miles for the airline you travel (if you are a member with that airline.) I’m kind of geeky about this stuff, so if you want to chat, let me know!

  3. Let us know how the slashing goes and what card you end up with. I have Chase, which gives me 1-10% cash back depending on the month and where I’m spending my money. I’ve been happy, but I might make the switch to a card with miles if I can get more bang for my buck.

  4. I switched from Verizon to Virgin and I love it. I lowered my phone bill by 75.00 a month, and I haven’t had any issues!

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