The wife on the other hand is a big fan of Macy's. Unlike Best Buy, this card actually has some benefits, most of the times when we pay with this card, we get an additional 20% at check out. We also get all kinds of coupons in the mail but most of the times they don't work on the brands we like. Is this card worth the hassles? not sure but at least I can track the wife's spending since that's the only store she shops at.
Below are the Macy's Star Rewards so far this year:
Not sure if the Star Rewards are part of the credit card or how they calculate the rewards but according to our last statement, we've saved almost $895 dollars this year using the card. As you can see the wife did some shopping this month and saved $94.85
Would I recommend this card to a friend or family member? Yes but only if you can pay off the balance every month. The interest rate for this card is a whopping 24.99%! For example if you charge $500 one month and carry that balance, they will add on another $10 to the balance so be careful with these type of cards.
HS
6 comments:
But how much did she have to buy to save $900? What are the total purchases for this year?
You mentioned that Mrs. HS doesn't seem to be on board as much with the debt repayment. Still true, or have things changed?
I don't know... I think it's like a diet, you start serious but after 2 weeks you go back to the bad habits lol
I want to say she's serious :)
HS
As long as you're aware that $895 "saved" means a lot of money spent. Do you have an estimate of how much?
You didn't save almost $900, unless she absolutely needed everything she bought, which I doubt.
I think you and your wife need an serious intervention. So here goes:
You guys are having a baby! When your wife in on maternity leave you will have less income. If your wife stays home with baby you will have less income. If she goes back to work you will need childcare and you will have less income.
STOP USING CREDIT CARDS!
Wow,
I didn't realize anyone even shopped at best buy anymore. I always thought that was for 40-somethings that were trying really hard to look cool.
Hmm....might have to look at one of those cards. As long as I'm good and pay off the balance.
I guess it's one of those things that you use ONLY if you have the money right then to pay it off. Lots of self discipline needed. :)
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