December 2025 Extra Savings

The final month of 2025 was fruitful for extra income to add to our savings! Here is where the money came from:

Amex Rewards $76.34

Amazon Rewards $1.18

Chase Rewards $6.09

USAA Rewards $267.78 

FNBO Interest $76.86

USAA Interest $0.20

NFCU Interest $190.05

Warrior Dividend $1776.00

Total $2,394.50

Total YTD $6,351.43

I wrote a note in 2025 that it would be a year of abundance and it definitely showed up in our found money this year. We usually exceed $3,000, but never have we doubled that number. It was a great year for saving cash from my husband's paycheck as well. We are always grateful for the abundance God provides. 

Tracking our progress brings awareness and gratitude. I would recommend tracking, even if you spend the money or send it to debt. That is money that has blessed your current circumstances. 

October 2025 Extra Savings

Want to pay off your debt? Start tracking where you have extra income coming in. After that start using those extra funds to send in a larger payment towards paying down your debt. 

This is where we found extra income this month:

Amex Rewards $29.16

Chase Rewards $8.48

NFCU Rewards $50.88

USAA Rewards $7.95    

FNBO Interest $76.48

USAA Interest $0.17

NFCU Interest $177.50

Return of Escrow $347.13

Total $697.75

YTD Total $3,476.93

It was a great month for interest and a return of excess funds in our escrow account. This month was nearly double our average for the month of extra money! As usual, all the money is set aside in savings as we prepare for my husbands retirement from the military in February 2026. He plans to get another job, and our savings will help smooth the income out as we transition! 

Savings over debt will always feel like freedom! 

September 2025 Extra Savings

Prepare and Save!

I track streams of extra income, all of which we save. At one point, in time we applied these extra earnings towards paying down debt. We are debt free except for our mortgage. Truth be told I should probably be applying this extra income towards the mortgage, but currently we are saving since my husband has a job change on the horizon. The extra savings will be helpful during that time. 

Chase Rewards $13.32

Amazon Rewards $8.57

NFCU Rewards $52.71

USAA Rewards $6.00

US Bank Rewards $31.53

FNBO Interest $79.80

USAA Interest $0.19

NFCU Interest $173.99

Settlement Payment $4.84

Total $370.95

YTD $2779.18

Keep saving! Extra funds in your bank account provide so much freedom. 

February 2025 Extra Savings

I'm tracking our extra savings beyond earned income for 2025. This extra income generally comes from interest on our CD's and savings, and credit card rewards.

February 2025

USAA Refund $3.00

USAA Interest $0.10

Chase Rewards $11.23

Amex Rewards $72.84

Amazon Reward $2.44

FNBO Interest $80.82

NFCU Interest $80.41

Total $250.84

YTD Total $481.85

January 2025 Extra Earnings

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.