Yes I think it's 10 days or two weeks.
So I can buy SPG points even if I don't have a SPG card?
I have intentionally chosen to live an inexpensive lifestyle in an effort to save about 50% of my income. I've "deprived" myself of so-called luxuries because of this being my goal and I'm fine with it. I guess I won't be talking money with this friend anymore...
Thanks! I found it and it says $2.80 earned, which fits with what I got and it was the first time I went through Chase.
I hang out on another forum about FIRE, and read these kind of stories everyday. Helps me feel sensible. As you say, everyone has different priorities! Don't judge someone for that! Unless they complain... then I feel a bit judgmental... I'm firmly in the camp of Do whatever you want, but they were your choices so don't act like someone made you do it, so when they say things like that then I want to say things like you want to say!A little off topic (sorry) but I know you guys will be supportive...2 really strange interactions in the last few days tied to this hobby.
1) We went to Disney in Jan, Boston in May (sister wedding), Captiva in July, VirgBeach in Aug, Universal in Nov this year. Obviously using points to cover pretty much everything... So one of my coworkers asked if we're going back to Disney in Jan. and I said yes and another coworker butts in and says "Psht must be nice to travel all the time....Some of us don't have that luxury." Now mind you, this coworker and I have the same job (certainly similar pay), and my wife doesn't work so we aren't exactly rich. What they do have is a Mercedes SUV vs my Honda Civic...all about choices people. I'm not going to judge what you spend your time or money on. BUT I've always said you can have ANYTHING you want, just not EVERYTHING you want, we just have different priorities, please don't judge me for that. ALSO that's not even pointing out the fact that we obviously work very hard on this hobby too in order to do travel for free, anybody could do it if they just tried.
2) Some of you may be aware that in addition to being obsessed with Disney and Credit Cards I also run in the "early retirement/FIRE" community too. I was at lunch with a friend the other day and they were complaining about work and how terrible it is at their job. So I said, yea sometimes it's frustrating, that's why I want to save up and have the ability to work less and travel more in my 40's and 50's, maybe even cut back to 3-4 days. They proceeded to tell me how that's so irresponsible and to stop working or cut back would be ridiculous. Apparently according to them, I should keep working and donate money to charities or something. That burns me up...I don't judge how anybody spends their money EVER but I wanted to say...maybe you should stop eating out so much, quit the $5 lattes and sell your expensive car and house and donate to charity. Or maybe you should get a second job since you waste so much money so that you can give that money to charity...Ahhhh
Sorry, just a small rant but it made me feel better to type it out haha!
This was also said by someone who doesn't work 56-84 hours a week when the business is open on weekends.
Which is how I'm justifying that we're going to WDW to see the Christmas decorations next month... 
A little off topic (sorry) but I know you guys will be supportive...2 really strange interactions in the last few days tied to this hobby.
1) We went to Disney in Jan, Boston in May (sister wedding), Captiva in July, VirgBeach in Aug, Universal in Nov this year. Obviously using points to cover pretty much everything... So one of my coworkers asked if we're going back to Disney in Jan. and I said yes and another coworker butts in and says "Psht must be nice to travel all the time....Some of us don't have that luxury." Now mind you, this coworker and I have the same job (certainly similar pay), and my wife doesn't work so we aren't exactly rich. What they do have is a Mercedes SUV vs my Honda Civic...all about choices people. I'm not going to judge what you spend your time or money on. BUT I've always said you can have ANYTHING you want, just not EVERYTHING you want, we just have different priorities, please don't judge me for that. ALSO that's not even pointing out the fact that we obviously work very hard on this hobby too in order to do travel for free, anybody could do it if they just tried.
2) Some of you may be aware that in addition to being obsessed with Disney and Credit Cards I also run in the "early retirement/FIRE" community too. I was at lunch with a friend the other day and they were complaining about work and how terrible it is at their job. So I said, yea sometimes it's frustrating, that's why I want to save up and have the ability to work less and travel more in my 40's and 50's, maybe even cut back to 3-4 days. They proceeded to tell me how that's so irresponsible and to stop working or cut back would be ridiculous. Apparently according to them, I should keep working and donate money to charities or something. That burns me up...I don't judge how anybody spends their money EVER but I wanted to say...maybe you should stop eating out so much, quit the $5 lattes and sell your expensive car and house and donate to charity. Or maybe you should get a second job since you waste so much money so that you can give that money to charity...Ahhhh
Sorry, just a small rant but it made me feel better to type it out haha!
Are you on the MMM forums? I'm over there too, but don't post a whole lot
Completely agree, The CCs pay for our travel and the bank bonuses increase our savings rate, that's my theory!
MMM is how I got my start in FIRE which happened to coincide with when started churning. FIRE was interesting for me because I found out I was already doing it without realizing it, now I just had a goal in mind! I don't really post on any FIRE related forums though, just a lurker/reader. The answers to me are usually focused and clear and its hard to add value unless you're first to answer/comment IMO.Are you on the MMM forums? I'm over there too, but don't post a whole lot
I am so there with you!! Not to sound judgey...but I am kinda tired of families with household incomes in excess of $80k (in the Pittsburgh area) talking about how tough it is. They are so out of touch it's crazy, meanwhile we keep plugging away spending about $35k-$45k each year, lol.
This is the perfect way to put this, and exactly what I was trying to say
Those who are on track to be "financially independent and retiring early" = FIRE
This particular coworker I do judge, because she is always complaining and then saying I have it easy because I have a husband and he pays for stuff. My husband is in sales, his salary has decreased just about every year for over 5 years but I can't convince him to look elsewhere. We have had quite a run of bad luck in the past few years including a basement that flooded twice, me breaking my knee, car totaled, insurance changing to $4k deductible. I just broke my arm 3 weeks ago. Every time I turn around, it's another unexpected expenditure. I'm churning credit cards to vacation and spend time with my kid while trying to save for theses crazy unexpected costs. My coworker is out shopping, for herself, every weekend and eats out every meal that's not at work.
Are you on the MMM forums? I'm over there too, but don't post a whole lot
But yes, I feel your pain. I'm not precisely on the early retirement track (I'm fortunate to really and truly love my job!), but MMM has opened my eyes to frugality and consumerism. I'm definitely not at the level of many people, but I find myself making more conscious decisions about what I choose to buy and how I choose to live.
