I will continue to track our extra income sources for 2025. In the past I referred to these as snowflakes, but will no longer do that. It's an old term that comes from paying off debt, one small snowflake at a time. Extra income generally comes from interest on our CD's and savings, and credit card rewards.
January 2025
US Bank Rewards $44.78
USAA Refund $3.00
Chase Reward $4.64
USAA Interest $0.10
Claim Settlement $14.81
FNBO Interest $79.53
NFCU Interest $84.16
Total $231.02
YTD $231.01
Interest rates are likely to fall this year, so interest earned may fall. In the past we have been able to save around $3,000 per year through credit card rewards and interest. Let's see how we do this year.
We pay off our credit cards in full monthly (often more frequently) and do not pay interest on them. It is unwise to use credit cards for rewards if you are accruing interest on your purchases.
