Discover

How I Didn’t Pay for Disney

I just got back from a short trip, surprise!  I flew out of Providence last week to spend some time with family in the Orlando area.  We also spent a few days at Disney World!

Of course, there are some other places I would have liked to check off my list first, but it was great to see everyone.  Some family from South Dakota made the trek as well, so I was excited to go!

That’s the good news.

The bad news?  I started booking this trip before I really got into travel hacking.  This means I spent, ahem, a less than ideal amount of money on the trip.  I could have absolutely maximized my value from points and miles, and then gotten to Disney for much less.  There are plenty of people out there saving buckets of money on Disney trips, and I wanted to brainstorm a bit on how to spend less at Disney too.  Who knows, maybe I’ll go again one of these days!

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The Difference Between Waived and Deferred Interest

This post is inspired by a friends’ recent request for advice.  A lot of the time, people see great offers for 0% APR.  We think,

Wowee, that’s great!  Now I can buy my [insert wonky overpriced consumer item here]!  It’ll be so cheap, since there’s no interest on the first year!

But wait, there’s more!

More interest, that is.  See, most of these offers are deferred interest, not waived interest.

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Discover it Credit Line Increase

I’ve had a Discover it card since August 2013.  It was my second card, after a $500 limit credit card from my local bank, but that was a long time ago, in a galaxy far, far away from my travel hacking life.

Anyway, when I first opened my it card, I was approved for a credit line of $2850.  I thought “Great!  Now I can put all my spending on here, and earn cash back for it!”  Well, this is exactly what happened, and my master plan worked great for a while.

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