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Re: Best Spending Practices for People that Lack Discipline.
The CC game is for those who have discipline.

If one does not have discipline, he/she/they should probably cut up all CC's and switch to debit/cash. I don't see a middle ground.

The warranties/points/etc are not worth the debt/interest you'll accrue.
Those with a lack of discipline in spending on CC usually also have a lack of discipline in regards to not using it to begin with.

June 07, 2018, 12:23:21 PM
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Re: Best Spending Practices for People that Lack Discipline.
I'm not ready to go all cash
Why not ? Youíll thank yourself later on

June 07, 2018, 12:32:53 PM
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Re: Best Spending Practices for People that Lack Discipline.
Hassle to deal with, no online orders, no protection
debit cards work online.
protection - big deal. you lose a warranty or cant dispute 3 charges a year and lose a few bucks. better than paying thousands in interest.

you won't find a single person here who will tell you any cc will work if you lack discipline. Not worth the fishing expedition.

June 07, 2018, 12:37:06 PM
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Re: Best Spending Practices for People that Lack Discipline.
I'd like to discuss a topic that is sensitive to me, and perhaps others here, hence the new account.

Iíd like to see thoughts, ideas, and advice on the topic of - best spending practices for people that lack discipline.

What I mean exactly, is that SOME people end up spending too much money on credit cards because they lack discipline and/or donít feel the money coming out of their bank account. Personally, I am trying to build up some savings, and I have been unsuccessfully trying to reel in my wifeís CC spending. BH we are not in debt.

I would love to see ideas on credit cards that have hard limits that work well, debit cards that offer points or whatever suggestions and any advice you may have for people struggling with overspending. I'm not ready to go all cash, and I would think there's some good ways to reap the benefits of credit cards (like points, return protection, and disputes) while controlling spending.

Thoughts?

Can you buy GC's with CCs and give those to your wife to spend?

June 07, 2018, 12:41:05 PM
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Re: Best Spending Practices for People that Lack Discipline.
You make good points about debt/interest.
However, personally this isn't currently a problem for me, as I can currently pay the bills.
Though I would like to build up savings and be able to buy some things needed for the house, and I have to hold back on those purchases due to spending not being in check.

ETA: Is there really no cards with budgets? My sapphire reserve doesn't have the option.
have you had a conversation with your wife? Seems like that's the first place to start

June 07, 2018, 12:52:50 PM
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Re: Best Spending Practices for People that Lack Discipline. 1) Set up auto transfer x amount to a savings account every month
2) go to a financial advisor/ counselor together with your wife so you are both on the same page and set realistic goals

June 07, 2018, 02:22:26 PM
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Re: Best Spending Practices for People that Lack Discipline.
Full-proof idea:

Send your wife to Mrs. AJK for a "tutorial."

She'll come back bloodied, bruised, indoctrinated, and malleable. She'll also come back with dozens of new credit cards all of which will be used sparingly and with great discretion.

...all for the low, low, introductory, one-time price of $999.99, payable in 12 monthly installments, 0% interest for the first 90 days.
I'll do it!

That will pay for itself in one week.

June 07, 2018, 10:05:34 PM
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Re: EV and Plug In Hybrid owner question Off topic:  Congrats on 1000.
Exactly on the nose right now.

June 11, 2018, 01:15:42 PM
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Re: When you like to travel but your SO does not... How do you get your wife to not want to travel?
June 11, 2018, 05:45:31 PM
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Around the World in 23 days, A Honeymoon TR by Wizmanison Although this trip was not 'technically' a RTW trip or a honeymoon (as we have been on several 'honeymoon' trips before and after this trip) the title seemed fitting. Like most people a trip to the Maldives or Bora Bora was always high on my bucket list. Having recently getting married and with the sale that was going on, I thought what better excuse to make a trip to the Maldives! When beginning to plan I noticed that most of the TRís I read were lacking some information either intentionally or not. Therefore, I will try to make this TR as transparent and detailed filled as I can! I will try to include prices for everything I remember as well as any information I uncovered from my countless pages of reading. Thank you to all those who contributed, whether I read your TR or not it really does help others a when planning.

I apologize in advance if I make any grammar mistakes, input any unreliable or false information, bad photos or anything else that might offend you. No intentions to do any of the above but if it happens SORRY!

Breakdown of Costs:

Flights:
LAX-JFK = $572 ($286 each paid for with B6 Travel Credit)
JFK-AUH w/ Cai RT = 208k MR (104k ANA each) + $205 YQ               
CAI-MLE = 50,066 UR 
MLE-SR MLE= 64k Arrival + points + $735
MLE-SIN= 37k UR (18.5k SIN each) +$100 YQ
SIN-DPS=15k (7.5k SIN each) +$50 YQ
DPS-USM= 25k (12.5k SIN each) +$40 YQ
USM-URT-DMK= $138 ($69 each)
BKK-HKT=$104 ($52 each)
HKT-CNX= $228 ($114 each)
CNX-BKK= 26k UR (13k each)
BKK-AUH= 36,000 AA (18k each) +$50 YQ
JFK-LAX= $408( $204 each paid in AA travel credit)

Hotels:
Le Meridian Egypt: 3k spg
SR MLE: 234k spg (5 nights @ 46.8k)
Andaz Singapore: Free Night Cert
GH Bali: 36k (3 nights @ 12k) - 20k (for complaining)= 16k
Conrad Koh Samui: 190k (2 nights @ 95k)  (Received Be My Guest Cert for complaint)
Bangkok Thong Ta Resort Suvarnabhumi: $22
Le Meridian Chiang Mai: 24k (3 nights @ 8k)
Hyatt Regency Dubai: 8k
Park Hyatt Dubai: Free Night Cert

Breakdown by Currency:

TOTAL UR: 177,066
TOTAL AA: 36,000
TOTAL MR: 208,000
TOTAL SPG: 261,000
TOTAL HILTON: 190,000
TOTAL Arrival +: 64,000
TOTAL CASH: 1,672 (Most of which were paid with CSR/Ritz travel credits and Arrival + points)
VOUCHERS/CREDITS USED: 2 Hyatt Free nights (50k Hyatt), AA GC ($408), B6 Credit ($572)...

TOTAL POINTS/MILES USED: 936,066

FLIGHT ROUTE:



TRIP PLANNING:

For those that just want a summary of what and how I booked and not the super detailed trip report that will follow, here you go:

   
I happened to book 5 nights at the SR MLE in May of 2017, around the time when all the bloggers were writing about the reduced price for the SR MLE. Since I was able to cancel until December I thought why not just hold the dates just incase. So for 234,000 SPG points I booked the 5 nights in the Maldives. I was busy at the time planning my Summer trip and pushed off the idea of planning the MLE trip.
   
It was only till about late October - Mid November that I started getting realistic about making a trip out of this booking. I seriously thought of just cancelling the 5 nights but after speaking to several people about how amazing their trip was I had to at least try to plan a trip. So I started reading and slowly kept on adding a list of possible stops to this trip to the other side of the globe. My thought process was more or less if I am already flying all the way out there I might as well make the most of it.

We used travel credit from price matching our flights as well as family members flights and other credits we got from complaints to book LAX-JFK for $286 each.
 
After looking at several options it seemed most feasible to make AUH the hub and use ANA to book the roundtrip from JFK-AUH.  I planned to book side by side Etihad Apartment suites for our longest flights and EY was showing availability for 149k MRó> ANA eacH. So I transferred hoping to book. But, when it came too booking ANA was not able too see availability :(. So we booked just Business class. Since these RT flights offer a free stopover, I chose Egypt. Mostly because other places were either to far, not interesting enough, or we had to little time to explore that destination.

We then used 50k Merrill points for two flights from CAI-MLE. But, for reasons youíll read later we actually ended up using 50k UR.

MLE-SIN (Singapore) costed us 18.5 URó> SIN plus $50 YQ each (CSR credit).

I then waitlisted a bunch of SIN-DPS (Bali) flights on SIN. A couple weeks before departure they cleared up and I booked it for 7,500 URó> SIN and like $25 YQ each (CSR credit).
   
It was pretty hard finding a DPS-USM (Koh Samui, Thailand) flight for our dates but we finally found the option to book DPS-USM with a stopover in SIN. How it would work is we would fly DPS-SIN on Singapore airlines and then SIN-USM on silk air. It cost 12.5 URó> SIN and $20 in taxes each (CSR credit). This flight had us getting into Singapore at like 1:30 AM and the next flight to Koh Samui was only leaving at 8:30 am. I chose this flight because I wanted to get into Koh Samui and enjoy the Conrad the most I could for the short time we were there (2 nights). So we went into one of the PP lounges and slept there.

For the next flights, besides AUH-JFK, I booked them all days before travel as I started to get really busy the weeks before the trip and even during the trip. It was really hard to find flights from USM to anywhere else in Thailand that didnít leave early morning. And, like I said I wanted to enjoy my time at the Conrad KS. I looked at every option to literally every airport in Thailand and even other routings out of Thailand and back in but could not find anything. And for the flights I did find they either had no availability or only 1 seat available, or were ridiculously expensive. Thinking I struck gold, I booked a flight from USM to BKK on Expedia only to see after paying that it was for dates 3 months out! This was because when I translated google flights to Expedia, it inverted the month and day with the google translation. I immediately called in and with enough HUCA they refunded me. They claimed that these flights were non refundable because flight was within a week and these carriers donít offer 24 hour refund. I escalated to manager and they gave me a ďone time exceptionĒ refund. So, with all other options exhausted we ended up taking a ferry from USM-DonSak Pier for $9 each. And then transportation to URT, other known as Surat Thani Airport in Thailand, for $8 each. I then took a flight from URT-DMK for $52 each person (CSR credit) on Air Asia.

We spent like less then 12 hours in Bangkok, pretty much just in the markets as my wife wanted some purses and stuff and we got a massage. Stayed at a $20 hotel found on Orbitz since we were only in the room for like 2 hours and it offered a shuttle to the airport. Our flight was at 6:20 am. We flew from BKK-HKT for $52 each person (CSR credit) on Bangkok Airways.
   
We arrived in Phuket at 7:45am and went to do the Phi Phi Island tour. Came back to airport at around 6:30 for our 7:20 flight to Chiang Mai. We flew AirAsia HKT-CNX, booked a day or two before, for $114 each (CSR/Ritz Credit) and arrived at 9:15pm Thursday night.
   
Stayed in CNX for 3 nights before heading back to BKK for a flight to AUH. We flew Thai Airways CNX-BKK from 3:20pm-4:35pm for 13k UR or $98 each.

With a unforeseen SUPER tight connection it was only by a matter of pure YMMV that I made it to the next flight: BKK-AUH 6:05pm-10:05pm. We flew business for this route as it was a longer flight at around 7 hours and I had been driving my wife crazy with all the intra Thailand flights. It was also a great price! Since I have so many AA points it was easy to spend 40k miles, each, for biz class. With the Citi 10% bonus it ended up being 36k and $25 in taxes each (CSR/Ritz Credit).

After taking forever in customs in AUH for reasons that I never found out (I was like the only one in line and the man left with my passport for like 30 minutes somewhere) and going through a whole ordeal with the rental car we got to Dubai and spent 2 nights there before returning for our flight back to AUH-JFK with Etihad to complete our RT. We left at 10:15 and arrived in JFK at 3:50.

Purposely giving us like a 5 hour layover, our flight from JFK-LAX with AA for $204 each, booked with AA gift cards, courtesy of plat and biz plat travel credit, was from 9:15-1:06am. We did this so we could land, see some friends & family briefly and finally eat  freshly made food!

So all in all we took about 16 flights and a ferry ride over a 3 week 2 day period. We spent approx. 60-66 hours in flights and visited about 3 Continents, 7 Countries, 8 States/Cities, and 11 Islands.

Detailed Trip Report in the works. Have written some of it, but adding pictures on DDF is relatively new to me and seemingly time consuming. Will be posting Egypt TR in the coming days as soon as I finish figuring out the pics.

June 11, 2018, 06:09:35 PM
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