Inspired by a comment on my last post.

I feel like I never have a solution that allows me to control it while also being automated to such a degree that I don’t have a huge confusing backup if I don’t do finances for days or weeks.

  • sugar_in_your_tea@sh.itjust.works
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    15 days ago

    I mentioned it, but mostly signups bonuses.

    For example, here are a few checking accounts I did recently:

    • US Bank - $450
    • Citi - $325
    • Wells Fargo - $325

    I’ve closed Citi, but I’m keeping the others open for a bit before closing (branches are convenient for depositing checks around the holidays).

    Likewise for credit cards, here are some I’ve done recently:

    • Bank of America Premium Rewards - ~$500 net after the annual fee - this is straight cash
    • US Bank Altitude Reserve - ~$650 net after annual fee; a little more complicated because i need to redeem for travel
    • Wells Fargo Active Cash - $200 straight cash

    I actually use 2 banks (Fidelity brokerage for main, and US Bank for cash and zelle) and usually two credit cards (US Bank Altitude Reserve and some 2% card; was my Costco card and Citi double cash before I got the US Bank card). However, I have some category bonus cards I rotate in every so often, such as my Discover card, which is 5% at Amazon and Target through the end of the year.

    Anyway, since I have so many accounts, I need something to keep track of them so I don’t pay maintenance fees or miss a payment or something.

    It sounds complicated, but I’ve automated pretty much everything, so I just check in every couple months or so. And I think it’s worth the hassle because I make thousands every year on it.