We did not book ahead of time because we did not know when the baby was going to be born. It turned out that I was not able to beat the Southwest price even if I took a flight in the middle of the night.
That was several years ago so I don’t know if it would be the same. Since then, I have only tried looking for hotels and rental cars and I can do better by just going directly to the website and using a AAA discount.
I have a southwest card and use it for everything to get the credit for traveling to see family. But, I am super disciplined about it. I have not paid one cent in interest in two years. When I charge something to the card, I go on that same day and transfer the amount that I spent from my checking account. The things that I know are coming up, I pay even before they are charged to the card. So, for example, the phone bill and the daycare bill have set amounts and I know what day that they will be charged. So, in other words, I am treating it like a debit card.
But, don’t do it if you can’t do that. And, don’t do it if you think that you’ll spend more to try and get to the 2 thousand dollar limit. Since I’ve had mine a while, I don’t need to reach any limit. I just take advantage of being able to earn the points by using it for day to day purchases. The only thing that really bugs me is that I have a fee, but it is not as much as the one you mention. I think that I pay 49 dollars a year, but maybe my next fee will have gone up. I think that I saved about 600 dollars in ticket fees last summer.
This is NOT DR endorsed. He would say to run the other way because so many of us have these issues because we cannot control spending. We see a credit card as available money to spend. If you would see it that way, then don’t do it.
and you’d start tacking on some purchases here and there which went beyond your original plan. Such that you had more to pay down every month. I mean, isn’t that usually how stuff like this gets away from us? Those of us who got into trouble with credit cards, started off thinking it made sense, and that we could keep control of it. And what if the card issuer jacks up the interest rate? I can understand the dilemma of wanting to take advantage of what seems like a good opportunity, but these “opportunities” usually have some pretty nasty strings attached. I’d find another way to do this. One that didn’t use a credit card dangled in front of your nose in such an enticing way. That right there makes me wonder what the “catch” is. They’re not dangling it there for nothing. They’re going to make money on this and they might have a few aces up their sleeves that you don’t know about. The cards I got which made perfect sense at the time, all had tricks like that down the road at some point.
I want to do something really stupid. I even have it rationalized in my brain. So I come to you all for support. Here’s the deal:
My hubby is from Texas. We in live Washington state. His mom passed away in June of 2012 and we had to drive there due to airfares. His moms passing was a wake up call for him and he wants to visit more often. He has a twin brother that lives there who before I came along was his best friend. They are still really close and talk several times a week. We were going to go visit this past April but due to finances we changed our minds and promised we would go in April of 2014. There are only three airlines that fly into the airport closes to his dad’s house. The next close airport is Dallas or Albuquerque, which is 6 hours away. For 4 tickets on Southwest (which is the cheapest) the cost is $2100. BUT (here it comes) they have a deal right now that if you apply for their credit card and spend $2000 in the next three months you get enough points for 2 round trip tickets. The annual fee is $99. So what I think is to apply for the card, pay all our monthly bills that can be paid with a credit card untill we hit the $2000 for the 2 tickets. It’s money I would be spending anyway and I know that I would pay it off before interest came due. The bad part is that our biggest bill, which is our mortgage, can’t be paid by credit card. SO we would have to use the credit card for ALL the other bills, including food and gas.