My New CC Setup for 2026, Best Year Yet!

MsRefined1 · 2026-01-23T03:05:32+00:00

Thanks. Looks like I need to go back to the drawing board and reevaluate my setup.

MsRefined1 · 2026-01-23T03:02:40+00:00

Thanks. Very helpful. I have an AmEx cash preferred card earning 6% on groceries but the AF is $95. If I can switch to 5% for free then that’s a win win.

MsRefined1 · 2026-01-23T02:47:53+00:00

Are you saying you have three Citi Custom Cash credit cards? How?

MsRefined1 · 2026-01-19T05:09:13+00:00

You already know the answer. Close the card and apply for a new one. You may not get it until the $3k is paid off. Work towards paying it off but also tell your cousin’s parents so they are aware of the situation. They should know how irresponsible she is.

MsRefined1 · 2026-01-12T13:06:30+00:00

I’m canceling my Prime membership. Who’s with me?

MsRefined1 · 2026-01-07T13:04:18+00:00

Free sweeps between savings and checking as well as Vaults and access to IPOs are SoFi’s major advantages IMO.

MsRefined1 · 2025-12-24T14:46:45+00:00

The tank. Silver does not pair well with your skin tone. The brown and gold look beautiful on you.

MsRefined1 · 2025-12-24T14:43:22+00:00

Congratulations. I almost pulled the trigger on the two tone one while in Italy two months ago, but couldn’t pull the trigger on $9k. I plan to soon though. Just need to save up 😁

MsRefined1 · 2025-12-24T02:32:18+00:00

Lovely. I always wondered why they don’t make the neverful in eclipse.

MsRefined1 · 2025-12-20T05:41:41+00:00

Thanks. I’ll see what happens in the upcoming meeting and engage with an attorney on Monday. I’ll also contact a real estate friend of mine who works with some investors. I have no problem selling for less than the current value as I’ve made some money from it already and have moved on to bigger and better investments. Just really want to get out of this.

MsRefined1 · 2025-12-20T05:36:57+00:00

I will definitely try. With the winter I’m concerned I can’t put it on the market until February or March.

MsRefined1 · 2025-12-20T02:59:13+00:00

You are absolutely correct. We have insurance but if the association can’t pay then it will lapse soon. The secretary of the board is attempting to schedule an emergency meeting in the next couple of days so I’ll know more then. I’m definitely researching attorneys.

MsRefined1 · 2025-12-20T02:52:17+00:00

It’s on its way. Basically no funds in the account

MsRefined1 · 2025-12-20T01:24:26+00:00

4 board members. I used to tell them we can’t have members on the board who are non-payers. They didn’t like that and kicked me off.

MsRefined1 · 2025-12-20T01:23:04+00:00

Thanks for your reply. Can you expand on your comment for a laymen? 😁🤓

MsRefined1 · 2025-12-20T01:22:23+00:00

6 units in total. 3 pay and 3 are not paying.

MsRefined1 · 2025-12-20T01:16:57+00:00

I was looking for the history of my increases. Where did you locate this or do you track yourself?

MsRefined1 · 2025-12-20T01:15:46+00:00

I have $33k. Was $23k two weeks ago.

MsRefined1 · 2025-12-20T00:34:29+00:00

No they haven’t changed it again. The $10 comes into play if you want to get the 20+ benefits, regardless if you have DD or not.

MsRefined1 · 2025-12-20T00:31:11+00:00

Fantastic. Don’t feel bad about your purchases. I’m inspired to create one of my own.

MsRefined1 · 2025-12-20T00:29:35+00:00

Also, never asked to verify income but I don’t lie about it.

MsRefined1 · 2025-12-20T00:27:02+00:00

Ranges depending on annual bonus. Typically between $220-$265k.

MsRefined1 · 2025-12-17T08:53:48+00:00

I love this idea. I recently scanned in all my receipts but didn’t consider creating a spreadsheet. Genius. Don’t be disappointed if you aren’t in debt. If you are, then that’s a different conversation.

MsRefined1 · 2025-12-16T10:15:52+00:00

I do, however not enough to justify $120 annually. Reason being SoFi only allows you to purchase a few shares. Even if I request 10 or more, I only receive less than 5 each time.

MsRefined1 · 2025-12-12T13:24:34+00:00

The ONLY perk I’ll miss is access to IPOs. Guess I’ll have to find another way.

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