Credit Cards are a dangerous business. Some of us use them to finance things they should not purchase…some don’t. Sometimes they are the only answer when you need to pay for an emergency. Bottom line is we ALL need to be careful of credit cards. With all that said I have some hacks to get the most out of responsible credit management.
- Stack your benefits – I use my Chase Southwest Card as much as I can. It has an annual fee of $99 but that is balanced with free points for air travel. I pay for EVERYTHING that I can on that card, then I pay it off at the end of the month. I use the points to buy air travel for vacations…winner me. The reason this works so well is that I travel for a living and the points add up quickly. Also, there are some additional benefits like car insurance when you rent a car.
- Use cash back – if you have a Discover Card you can use your cash back to pay your bill and/or to pay for items on Amazon. The interest rate is 20% which is VERY high. You MUST pay off the balance at the end of the month to make it worthwhile. Also, don’t forget to sign up for the quarterly 5% bonuses.
- If you have a Visa or Master Card from a gas station please make sure that it is ‘no annual fee’. Usually those cards offer extra points on gas station purchases and sometimes even a discount per gallon at the pump…read the terms carefully.
- The last on my list is American Express. The AmEx Blue Cash Preferred (review on nerd wallet) with a high rewards rate (6%) on a max of $6k on groceries (per year) with unlimited 3% on department stores and gas, and 1% everywhere else.
My closet is chock full of clothes that I do not wear. I clean out my closet every year, yet I wind up with bunches of clothes that I think I will wear and then I never wear them. Today’s hack is easy…just a little time consuming. First, empty out your entire closet. Second, throw anything you want to give away or hand down to a friend into bags. Third, and this is the one that is going to take some time, rehang everything in the closet with the hanger pointing out. In one year if the hanger is still hook facing out then you don’t need the clothes…trust me. I find that the less I have cluttering up around my house the more relaxed I feel. Organization is hard work and sometimes requires thought and planning but is well worth it!
It is the time of year that I dread. It is soooo cold when I get up to go to the gym in the morning and I CANNOT keep my shoes dry so I have to build in an extra couple of minutes for each trip just to change shoes. Until now. Today’s hack is simple, cheap, easy and involves men’s slippers.
Go to your favorite discount store and buy a pair of Large, Extra Large or Double Extra Large men’s slippers. I purchased a $6 men’s clogs in Large and they fit perfectly over my Size 8.5 Boot Camp Nike shoes.
Easy Peasy and CHEAP!
I think this blog should have been called easy peasy. I figured out over the past few weeks that I am lazy and look for shortcuts [hacks] in everything I do. The final recipe of the week is dessert. This is an easy, last minute dessert that you can take to a party, reheat as necessary and freeze if you want.
- 2 cans of crescent rolls
- 4 smallish apples
- Brown sugar
- Peel and slice each apple – cut into quarters
- Unroll the crescent rolls and carefully reshape so that they are all triangles
- Dust each triangle with cinnamon
- Add a ½ teaspoon [large pinch] of brown sugar to each triangle
- Roll each up and push the dough to seal
- Cover each with melted butter and another light dusting of cinnamon
- Bake on a stone for 12-15 minutes at 350°
I love simple cooking. Less ingredients to buy and store and less figuring out at the last minute. Below is my recipe for chicken tacos – you can mess around with it for pork (carnitas) or beef. I use Ro-Tel [hack] for a lot of recipes and keep all sorts of flavors around the house for last minute meals. If you wanted beef or pork tacos the recipe is basically the same, I would add smoky seasoning, or a can of root beer (pork) or some BBQ sauce to change the flavor. The cooking instructions should be the same.
- Put 4-6 thawed and drained chicken breasts in your favorite crock pot
- Add one can of Ro-Tel – I use the one with the diced green chilis
- Cover and heat on high for four hours. Set a timer for 3 ½ hours.
- LET – IT – SIT
- When your timer goes off, shred the chicken with two forks (or a fork and tongs)
- Add half a brick of cream cheese and do not stir. I suggest you use regular full fat, generic cream cheese…nothing fancy.
- LET – IT – SIT for 30 minutes
- Stir well
Serve with any kind of taco fixings.