We have officially stopped using our Citi Forward card and switched over to the new Citi Thank You Premier card for all purchases. The card is nice, for some reason it seems really light, feels like its not made out of plastic? It also has a chip on it so that means at places like Walmart you can't swipe the card, you have to leave it in reader until the transaction goes through and there's no signature required! The balance officially went over $2,000 so that means we already got 20,000 Thank You points. Here's what the balance is this morning:
There's a couple of charges still pending but that number you see is all of our credit card debt at this moment. I paid off the Citi Forward card and hopefully it stays at zero (Savings down to 14K). We have our auto insurance and EZ Tag (tolls) linked to this card so I'll pay those as we go and keep the cards at home. Everything else will go on this new Citi Thank You card at least for year so see how it will impact the rewards. I also have that yearly fee to think about so I may be closing this account before that happens but for now this is our main credit card.
We are still living without my wife's paycheck but that will change the first week of September. I need to create some sort of budget and plan for the daycare expenses. I would like to start saving money again and hopefully with the sale of her car I can be back at $20,000 in our Discover account. I'm still waiting to see what my bonus will be at work and with tax returns in the spring hopefully we can be at $25,000. I still can't believe we have spent so much money over the past few months. We had travel expenses, doctor and hospital bills and stuff for the new baby and less income. Most of that is behind me now and I feel like we survived but more expenses lie ahead. We are already talking about other trips we want to take and the pricey holiday season is just around the corner, I swear the spending cycle never ends!