March Snowflakes

I'm tracking money coming in this year from interest, credit card rewards, and other miscellaneous places. Reward money is going towards paying down our van loan. Each month I calculate the total and send it in towards the principal of the loan. Interest is just accumulating in our bank account to add to cash savings this year. 

US Bank Rewards $40.98

Chase Rewards    $49.06

USAA Rewards $2.60

Amazon Rewards $10.46

NFCU Interest $65.51

FNBO Interest $93.52

Total $262.13

YTD 790.77

Total towards van loan was $103.10. Interest rate earned on our savings is higher than the interest rate being charged on our van loan, so I'm just doing a little bit of both, saving and paying down debt with extra income incoming! 

The Payback: March Progress

We are paying ourselves back for the car we helped our daughter purchase. The goal is to return $11,000 back to our savings account by the end of 2024 or sooner! These payback posts are to track that progress.

March Progress

Daughter Paid $944

Income 3/1   $415

Income 3/15 $500

Total $1,859.00

YTD $4478.32

Left to Goal $6521.68    

Our daughter paid us back for other expenses we covered while she moved. That helps put more money back into the pot. 

February Snowflakes

February extra income and credit card rewards!

NFCU Amex $50.00

Chase Reward $1.18

Chase Reward $42.62    

FNBO Interest $90.82

NFCU Interest $61.05   

USAA Interest $0.09 

Total $245.76

YTD $528.64

Rewards of $93.80 went to our van loan. Interest is being held in the savings accounts. 

The Payback: February Progress

We are paying ourselves back for the car we helped our daughter purchase. The goal is to return $11,000 back to our savings account by the end of 2024 or sooner! These payback posts are to track that progress.

February additions

Gap Refund $932

Income 2/1 $415

Income 2/15 $500 

Total $1847.00    

YTD $2,619.32

Left To Goal $8,380.68

Quite happy with the progress this month. Stuck to the planned contributions from income and added a significant refund to the goal, which cuts one month off the time to goal. We will keep pushing on!

The Payback: January Progress

We are paying ourselves back for the car we helped our daughter purchase. The goal is to return $11,000 back to our savings account by the end of 2024 or sooner! These payback posts are to track that progress.

January additions

$735.94 Income

$36.38 Ebay Sale

Total  $772.32

Total YTD $772.32

Amount left to goal $10,227.68  

January Snowflakes

Extra funds and income earned in January 2024!

I'm sweeping credit card rewards to our van loan. I'm saving interest in our savings account. Any other income that arrives will be help pay ourselves back for the car we helped purchase for our daughter. I will be tracking this payback in a separate post. The goal is to get to $11,000 by the end of the year. (see separate post on this progress)

Ebay Sale $36.38

US Bank Reward $32.85

Chase Freedom $11.45

Amazon Rewards $3.99

Amex Rewards $32.76

FNBO Interest $100.34

NFCU Interest $65.00

USAA Interest $0.11

Total $282.88

Total YTD

I sent credit card rewards in the amount of $81.05 to our van loan this month. The ebay sale went to pay us back for daughter's car. And the interest is being held in our savings accounts. 

December Snowflakes

Time to make a concise report of the extra funds found and earned in December

Chase Reward $7.32

Amex Reward $18.60

NFCU Reward $167.37

USAA Subscriber Pmt $101.13

USAA Interest $0.10

FNBO Interest $123.39

NFCU Interest $64.90

Total $482.81

Credit card rewards and interest on our savings are the primary ways that extra income arrives in this house. I used to spend time doing surveys, or selling things online. I currently am not doing those things. I am grateful for higher interest rates and will enjoy them from a saving perspective while we can! 

Starting in January, I will sweep credit card rewards towards our van loan. I will let the interest continue to accrue in our savings account and add to the available balance.