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hey guys it's a passion from ass Debbie and today we are going to talk about how I manage my credit card minimum spends and also organized a lot of other things like the free anniversary nights and travel credits if you are someone who has a lot of cards you probably have your own system but you might want to kind of look into what I do one quick thing before we dive into it is you might have noticed that my videos have been a bit more sporadic recently just because scheduling has been a bit weird if you want to make sure that you get these videos turn on your notifications so that little bell just to make sure that you get notified of these videos for a lot of this we are going to be looking at a spreadsheet you can download this and modify it for your own circumstances which is what I recommends by going to the blog post down below it should be the first link there are some other tools out there that kind of do the same thing but my experience with them hasn't been that great and the main reason is because they haven't really tracked spends properly in my experience meaning that you might be a bit short for minimum spend and that's obviously a big problem diving into the spreadsheet the first thing we're going to look at is going to be the welcome bonus area and again this is something that you can modify for your own circumstances if you want to be even more specific or less specific so we have the application day we have the approval day the bonus the type and also the number of days you have for some banks even though they say 90 days they might actually really mean 110 days or 115 days or some other number I typically still focus on the date that they say on the application just because you don't really want to miss out on a bonus because you were 5 or 10 days shorts just because something works on the back end right now doesn't mean that you should rely on it in the future because there's not really any anything you can go back on so you can't go back to them and be like hey normally I know in the backend it's only supposed to be 115 days and not really 90 days it's just a hard argument to make we have the deadline we have two days left we have to spend as well as any confirmed spend that you have and whether the bonus posted you'll notice that the days left is going to be a different color and this actually is going to change based off how many days you have left the lower the number goes the brighter the green is going to be and idea here is that it's supposed to notify you and to look into it yourself think of it as an alert that you need to look into this and the minimum spend deadline is coming up the spend confirmed number is something that you can keep very simple so you can just enter the number that you have or it's something that you can be very specific about which is what I personally end up doing if you look into the bottom there is another tab for the American Express gold card this is just an example since I already had the gold card the PRT card before hands but I think it's something that might help some people if or someone who doesn't want to do this part that's definitely fine for me it's just again being a bit careful on the minimum spend side for me this typically takes something like one to two minutes the idea is that you copy and paste over the transactions you have from the bank this being American Express and then on the right hand side you put whether it's something that you are a hundred percent counting towards spend you'll notice yes on the right of some of these numbers but not on other ones the ones that don't have that yes is going to be things that I might return having it in a spreadsheet makes it a lot easier because you don't have to go back and calculate all the numbers every time and again it's just something to me that makes a lot of sense one quick question for you guys is how do you manage your minimum spends do you have a similar spreadsheet or what do you do I'm always kind of curious I know some people who end up using a notebook because that's what works for them also if you liked the video give it a thumbs up on the far rights we have bonus posted and that's pretty much just for your own tracking and then once you are done of this welcome bonus area you can actually hide it so if you are in a gardening state or if you're not working on any minimum spends it might make sense to hide it temporarily one of the benefits of having a sheet like this is that it takes up less mental capital so instead of having to worry about a lot of different minimum spends and having that on your mind it's just on the spreadsheet that you can refer to once every week once every two weeks once every month whatever makes sense for you a few more things for spend is I would recommend not counting annual fees and any other travel credits who get such as Global Entry credits as well as travel credits and the main reason is because we don't really know what might happen on the back end in the future this pretty much goes back to the risk mitigation aspect and pretty consistent with a lot of this video the idea is something might work right now and my be true but if they decide to change something on the back ends you don't really want to be $95 shorts because of an annual fee and miss out on a signup bonus that would just be pretty unfortunate this is something that people definitely argue and I think that's fine if you're comfortable doing what you're doing but for me it's just making sure that I get the bonus one of the other questions I get quite a bit is how do you hit so many minimum spends and for a lot of people it's using things that they're already paying for so whether that's paying tuition whether that's paying off your student loans whether that's paying off for rents those are very big opportunities to use credit card spends through other tools for stuff like rents you might be able to do it directly if the management company that you work with uses a platform or a portal to do the transactions another good option is to use something like plastic pretty much the same idea you're paying a fee in order to run the transaction through them using your credit card I'll leave a link down below for plastic but I think it's something worth checking out for a lot of people especially for minimum spend the next section is going to be payments and this is something that you might want to keep track of if you are someone who doesn't like turning on auto pay if you have 10 15 20 cards you want to make sure that you're paying them off all on time the last thing you want is to have a missed payment so here either you check weekly or if you're someone who doesn't want to check is frequently tracking it and making sure that you are aware of when the statement dates are and maybe when the payment dates are for me I typically recommends paying off the card fully once you get that statement because there is no point of waiting if you don't need to there was someone comfortable of Autopia what recommends considering that as well but this is here in case you want it for the next section we have free nights and this is kind of core to my strategy right now just because I think there's a lot of value here early on I was someone who was really focused on cash back and then I kind of moved on to a trifecta set up and then after that I'm kind of in this weird third stage where I'm focused on minimum spends as well as these free anniversary nights the main idea being that you can get a lot of value from these nights I'm comfortable paying $100 if I'm getting a night that's to $300 per nights that I wouldn't otherwise comfortably pay but stuff like this you want to make sure that you're aware of when they expire because that something that you need to plan around it for someone who has a player 2 player 3 or if you just travel for group of people also knowing their dates ends up being pretty helpful so you might want to make this its own little spreadsheet that you share with your group of people the rest of the section is relatively straightforward you have the free nights details of the nights as well as when it expires and the days left until it expires every someone's struggling to use their free nights I'd recommend looking into road trips just because we can do a weekend trip to Santa Barbara from San Francisco and again if the nights there typically cost 150 to 300 dollars you're coming out ahead the next section is going to be the travel credit section and pretty similar to the other sections just because you want to know what you have and when you need to use it by you can obviously add more or less information here I would recommend looking into using those credits as soon as possible rather than waiting until the end of the year for obvious reasons of some other credits given how they currently work you might also want to use it to make sure that if there are changes in the future you're not going to be in a bad position so if certain credits work for gift cards right now there's no reason to wait until December when you can do it right now for people who are new to this this might be very daunting but the idea is that the more information that you have on paper the less is on your brain you don't really want this to take up all of your space in your head when you want to focus on other things I also feel like when you have stuff down you're less likely to forget about something whether it's a travel credit or whether it's a minimum spend I've had people I know who have completely forgot that they had to do a minimum spend [Music] for me I check my spreadsheets about once a week when I'm watching Netflix but that's obviously kind of on the extreme ends for a lot of people I think they veered towards two weeks to four weeks and again you might have some other spreadsheets or checking if you're tracking your spend elsewhere so maybe you're tracking how much you spend eating out or buying electronics or maybe you need to expend stuff for business figure out a system that works for you maybe it's a book again if you want to download this go to the blog post down below and it should be pretty straightforward hopefully that was helpful let me know if you have any questions my question for you guys is how do you manage this yourself again whether it's through a book whether you use another app maybe you have your own spreadsheet let me know and the community know down below if you like this video give it a thumbs up it really helps us out if you know anyone else would benefit from what we just talked about feel free to share this video with them because it's probably going to help them out by the way I hope you guys like it see you guys next time [Music]