July 2025 Extra Savings

The year is more than half over and we are on track to save at least $3500 this year for non work income! This is how that money showed up this month:

Amex Rewards $69.40

USAA Rewards $5.00

US Bank Rewards $31.05

Chase Rewards $31.37

Amazon Rewards $5.49

USAA Interest $0.14

FNBO Interest $82.18

NFCU Interest $151.01

Total $375.64

YTD $2079.87

Small amount of money add up! Passive income from savings or from your credit card rewards are one place to find extra income. Do not sign up for a rewards credit card if you cannot pay off the balance and are racking up interest on your debt! We use our credit cards like debit cards and pay the balance off twice a month when we get paid. 

Saving small amounts can build an emergency fund or a car repair fund. Many people save this way for vacations and big holidays such as Christmas. What do you need to be saving for?

June 2025 Extra Savings

Here's where we found extra funds to add to our savings this month:

Amex Rewards $41.85

Amazon Rewards $3.77

Chase Rewards $9.08

NFCU Rewards $65.08

USAA Rewards $2.00

USAA Interest $0.14

FNBO Interest $81.63

NFCU Interest $145.57

Total $349.12

YTD $1,704.23

Track your savings contributions, interest, extra income for a year. This practice reinforces savings and abundance mindset! We live in a world of abundance. If you look for lack you will find it. If you look for abundance you will see it! 

May 2025 Extra Savings

A break down of extra savings in May 2025:

Amex Rewards $25.56

Amazon Rewards $8.29

Chase Rewards $4.19

US Bank Rewards $45.78

USAA Interest $0.16

FNBO Interest $84.12

NFCU Interest $138.54

Total $306.64

YTD Total $1,355.11

I track any extra income beyond earnings from work. Usually, the income is from credit card rewards or interest earned on our savings. We are on track to earn an extra $3000 from these sources this year! We are grateful for all blessings that flow into our lives!

April 2025 Extra Savings

Here's a list of where we found some extra funds in the month of April!

Amex Rewards $36.31

USAA Rewards $6.36

NFCU Rewards  $50.00

NFCU Interest $103.03

FNBO Interest $82.95

Total $278.65

YTD Total $1,048.47

I will track this data every month, all year long. Small amount of money add up over time. Keep saving!

March Extra Savings 2025

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. 

March 2025

NFCU Amex $50.00

Chase Freedom $20.91

US Bank $30.73

USAA Interest $0.11

FNBO Interest $89.71

NFCU Interest $97.32

Total $287.97

YTD Total $769.82

Small amounts of money add up over time. One can look for lower prices at the store when shopping, and save the difference. Or something bigger such as investing regularly overtime. The power of saving compounds through our habits! The tracking reminds me that it is a worth pursuit and adds value to our hard work. 

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.