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An Amateur Travel Hacker’s First Experience With Travel Hacking

I’ve always been wary when it comes to credit cards. Even though I’ve never been shy about trying out new fintech apps or opening up new bank accounts, for some reason, credit cards have always scared me. Maybe it’s the fact that a credit card goes on your credit report. Signing up for a new card just seems so … permanent.

My fear of opening up new credit cards probably comes from the fact that my history with credit cards isn’t very robust. I got my first card back in 2006 during my sophomore year of college – a Citi mtvU Visa Card which gave me extra points when I used it at bars and restaurants. The card seemed pretty good and it served as my daily use card throughout my 20s. In 2012, Citi changed the card over to a Citi Forward Card, which was the card that I was using all the way through the beginning of this year. The only other card I’ve gotten during that time is a Target Red Card that I accidentally got when I was actually trying to get the Target Debit Card.

Because of this fear of credit cards, I’ve pretty much missed out on the whole travel hacking craze…

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Catching Up Financially Is Pretty Easy

I’ve often lamented about getting a late start in the savings game. Unlike many of my peers that went into the workforce at 22 years old, I opted to head off to law school (and goofed off for a year before doing that). Choosing this path meant that I had to take out nearly six figures worth of student loans and made it so that I earned essentially no income for the majority of my twenties. By the time I started my first job, many of my friends had already been in the workforce for 4 or 5 years.

When it comes to late starts though, I don’t think anyone can beat my wife. She spent five years in college, another four years in dental school, did a one-year general practice hospital residency and is now currently in year two of a three-year specialty residency. For those of you keeping track at home, that’s 8 years of post-college training! And unlike medical residencies, most dental residencies pay nothing or offer their residents a tiny stipend (usually a few thousand bucks a year – my wife made about $4,000 total in 2016). By the time Mrs. FP earns her first real paycheck, she’ll be 32 years old. Oh, and she’s also got a healthy six figures of student loan debt to boot. Quite a position to be in at 32 years old.

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5 Things I’ve Learned From Putting Together A Wedding

Well, I’m back from my honeymoon in Puerto Rico and getting back into the swing of things here at home. Now that I’ve been married for a week, I can comfortably say that I’m now an expert in all things marriage related. If you ever need marriage advice, I’m your man.

But seriously, the entire wedding process was super stressful for Mrs. FP and I. Those last few weeks, in particular, were a nightmare and looking back, there are a bunch of things I wish I had understood more or had thought about back when we first got engaged.

Here are five things I’ve learned from putting together a wedding.

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How Much Did I Save In 2016?

For me, 2016 will go down as the first year I began aggressively saving for retirement. It sort of bums me out that I’m getting into the savings game so late. At 30 years old, I’m way behind my more financially literate peers, some of whom have already retired or established huge treasure troves of savings. See folks like Millennial Revolution, Money Wizard, and Fiery Millennials.

A part of it is a byproduct of me entering a profession that requires years of extra schooling and a ton of student loans. While most people start their first job at 22 years old, most lawyers won’t start their first job until they’re 26 or 27 years old.

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Dobot App Review – A Free Alternative To Digit

I’ve been a Digit user for over two years now and during that time, I’ve been able to save more than $8,000 into my Digit account without even noticing it. When combined with Qapital, I’ve had a great microsaving system worked out – Qapital rounds up all of my purchases while Digit sweeps out any excess money that I have in my checking account. This microsaving system has been a great way to make sure that every dollar I earn gets a job of some sort.

Unfortunately, Digit recently announced that it would charge $2.99 per month in order to use its services. As a result, I’ve decided to drop Digit and make the move over to a new app I found called Dobot. So far, the Dobot app looks like the perfect alternative for folks looking for a free savings app with all of the same functionality as Digit.

Continue reading Dobot App Review – A Free Alternative To Digit

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