Did I Make the Right Credit Card Choice?

Back in September our family got our very first family credit card. We did it to maximize the amount of interest income we would receive from our high yield online savings account and to earn back some of that hard earned cash. While I was expecting the income from our savings account to net us tens of dollars (tens!), I figured that the cash back rewards could possibly bring back hundreds of dollars into the family coffers. I did some research on what card might give me the best results and it boiled down to two - the Chase Freedom Credit Card and the American Express Cash Rebate Credit Card.

Each of these cards has its own set of advantages. The Chase card racks up the rewards quicker, offering 3% back on the three predetermined categories of spending in which you spent the most that month and 1% back on all other purchases made on the card. They also were offering, and still are by the way, a $50 cash back award for first time card user after your first purchase. When this is combined with their offer of redeeming $200 worth of rewards for a $250 check, it serves as a lucrative deal to users who don't really charge that much to their cards.

The American Express, on the other hand, is made for big spenders. After charging $6,500 on your card you start accumulating an impressive 5% cash back on grocery, gas station, and drug store purchases, all while raking in 1.5% of every other purchase on the card. Unfortunately, the rates before reaching the $6,500 mark are a measly 1% and .5% respectively. So if you have big purchases planned ahead or you have a large monthly bill, the American Express card is definitely the way to go.

When I ran each award system against our monthly numbers back in September the Chase card just barely came out on top. The actual rewards earned on the Chase card were significantly smaller, but when you added on the additional bonus $50 dollar bonus for joining and the extra $50 they throw at you for waiting to reach $200 until you redeem your rewards the Chase card came out on top. So we went with the Chase card.

Since we started making purchase with it in early October we have spent $4,702 on our card and have earned $72 on those purchases according to our most recent statement (but when you include our extra $50 our current rewards balance equals $122). That represents a savings of 1.52% (3.65%) on our purchases. Not too shabby if you consider we had to make all these purchases anyway.

After reading a ridiculous post over at My Dollar Plan about how they have a credit card balance of $223,270 I wanted to revisit this issue to see if we really had made the right choice in going with Chase. If they can make over $11,000 dollars a year on their credit card scheme I would sure like to make my card choice go as far as it can, since it is essentially free money if you can work the system right.

So I ran some numbers. At our current pace of shopping (about $58 a day worth of charges) we will save $422 dollars with the Chase card, including our two $50 dollar bonuses, one for signing up and the other for waiting to redeem until we reach a balance of $200 . With the American Express card I estimated that we would earn $386 given our current spending habits. So it looks like I made the right choice after all. I rock ... or do I?!?

Image Source: Maulleigh

Kings Are Great!

My article on Why I Suck At Shopping got mentioned at the most recent edition of the Carnival of Personal Finance hosted over at We're In Debt. A special thanks to the King of Debt for being so magnanimous and benevolent.

Getting It Down to the Penny

In my goals for the new year I mentioned that I wanted to improve my financial tracking "software" and get it to the point where it knows where all my money is at down to the penny. To help all my avid and veracious readers know a little bit more about what I mean by that I figured I should probably give those phantoms a little bit of information about my awesome and awe-inspiring tracking arrangement.

What I Got
Practically on the day my wife and I got back from our honeymoon I built our first financial spreadsheet. It was simple and easy, and it gave me something to do at work when I got really bored that was both productive and useful. At first all it did was track when and how much we spent, but since then it has evolved into a fairly substantial system of interlocking sheets. In its current state we can:

• Record the basics: When, how much, and in what category each of our purchases occurs
• Analise our spending: Through the power of vlookup and hide I have summed each of our spending by category into a manageable mass of information that helps us see where we are at in our budget, where our current pace of spending will land us at the end of the month, and how much we spend per day on each of our categories of spending.
• Track how our regular expense saving plan is going: We track how much we put into these "accounts" and how much we use from them in one manageable interface
• Get a bird's eye view of our spending, saving, and giving: this overview worksheet is linked to each month and gathers all the pertinent data into one place where it is easily digested. Here I can see what types of spending trends emerge, create cool charts, and learn that we spend a little over 70% of our combined income on things that we absolutely can't do without and that we save nearly 23% of the same (hurray for our side!).

What I Learned
In creating all this spreadsheet glory, which I am sure is surprisingly similar to very good and very time efficient financial software tools like Quicken (a.k.a. Boring-icken) - I already mentioned why I don't use it here - I have learned a couple of things:

1. Make it easy to automatically update things on your overview worksheet by making your monthly spreadsheet's naming conventions easy. This not only includes the name of the file (2007.12_Income_Tracker), but also the name of each individual sheet (List, Categories, Funds). This means that all you have to do to add a new month to your master sheet is fill down last months information and do a replace on the month number to get that month rolling.
   
2. Include plenty of space for your purchases on your basics sheet that lists all your purchases. This helps keep tinkering with that master sheet to a minimum.
3. Make things as easy to see as you can. Your eyes are important for seeing things, make it easy on them.

What Needs to Change
It's finally time to talk about my goals for improving what I have spent the last seven months building. I simply have to:

• Improve the look of the spreadsheets. There is clutter from a million edits and work-time rabbit trails that needs to be sent to the eternal black abyss where there are neither 1s nor 0s to code them.
• Improve spreadsheet accuracy. I used to know where every penny we had was, but then we got a credit card and it screwed everything up. Now I have to add numbers where I shouldn't to make them accurately represent reality. I think I may have a working solution to this problem already figured out, but I'll actually have to have real data to figure that out.
• Make analysis easier. I'm not really sure what else I can do, but the more I look at the numbers the more I see different ways to think about them. Besides, who wouldn't want to make even MORE graphs. There freakin' awesome.
• Make it SIMPLE, stupid. In my lust for spreadsheet magnificence I probably did things in a really inefficient or hacky way. In order to achieve this goal I have to overcome the self deception that the way it works now is great or I'll have to combat my lack of knowledge about how spreadsheets can work. Both won't be easy to defeat, the first because I don't really make mistakes and the second because I don't really need to learn anything new. I guess this goal is already 100% achieved!
  

So that should bring everyone up to speed on the important stuff about my spreadsheets. Maybe one day I will try and put up some samples so everyone can see just how spectacular they are for themselves.

2008 Family Financial Goals

Since our goals for 2007 were to spend as little as possible, track every penny we spent, and have tons of fun doing it I figured we should have a much more robust goal system if I am to appear at all cool in any ones eyes. So here are my financial goals for 2008:

• While my spreadsheet system is something beautiful to behold, it could be even better! Master my own hodgepodge of spreadsheet madness that tells me where all my money is down to the penny (and figure out how sometimes I gain $0.00000000000071 when I add up all my expenses for the month!)
• Save $10,000 for the special goals I outlined here. While this only represents 40% of what we really want, I talked it over with Peyton Manning and he helped me be a little more realistic about what we could accomplish. Thanks Peyton!
• Stay within budget for the entire year. I'm not so concerned with being within budget each month, just as long as it all works out in the end.
• Earn $100 of additional income with which to spoil my wife rotten.
• Increase our net worth to $40,000.

Only a global warming catastrophe that would bury our home, bank, and city in a warm, rising ocean can keep us from our goals now!

My Best Christmas Gift

Probably the best gift I got this year from the people I love is the opportunity to take my wife out on dates. When we started courting two years ago I was a poor student and our "dating" phase consisted of us hanging out at each others house and going for long, romantic walks on the beach with the stiff, salty breeze drying the melancholy tears from our eyes as we pondered how we never got to "go out" like we saw in all those Hollywood movies. All we ever wanted was a Pretty Woman relationship without my wife having to be a hooker and me not having to be Richard Gere (Richard Gere, uck!).

Now, thanks to my loved ones' generosity, me and my lovely lady can live it large - suburban style. A night at the movies - no problem! Dinner out at some strip mall locale - any night of the week, baby! When the dust has finally settled and the red paint begins to glow on a warm San Diego morning well have seen more movies and eaten more lobster than is probably good for two grown adults. But best of all, I will have gotten to spend some really great time with the most beautiful woman in the world. Thank you generous loved one's, you have made this Christmas great.

It's a Christmas Miracle!

That's right, my article on how I'm a sucker at the pump got featured for my very first Carnival of Personal Finance over at The Digerati Life. I'm even an editors pick. I must have raised a fairy god-mother from the dead as a little kid with all that clapping I did. In case you wanted to try it out too, here is a short instructional video [the actual instruction is at about 2:40]:

Why I Suck At Shopping

I have got a Christmas shopping induced thinking spree on my hands. Buying gifts for my wife was hard this year. I had a lot of doubt circling around in my noggin about what gift I should get and if my wife would like it or not. Now my wife isn't particularly picky or hard to please - I just have a serious (well, its not life threatening serious) problem with shopping.

For some reason I despise it. I mean I like buying stuff and all, especially when it is cool, but there is just something about actually buying things that touches this place of deep uneasiness within. I get pounded with uncertainty. Am I making the right purchase? Is a better deal out there just waiting for me to find it? Can I do something else with this money that would be better for my family, for me, or for the world? The longer I think about it, the deeper the uncertainty goes.  I even employ frugal shopping tips, but still nothing works in my mind like it is supposed to.

Sometimes it is enough to stop me from making a purchase, especially if it's a big one. When I was in the market for a laptop a few months ago I simply could not make a decision about what to get. I looked at Dell, HP, Lenovo - I even toyed with the idea of building my own machine (that idea was quickly shot down by my wife who said, and I summarize, "Computers one would make oneself suck. They always break." The impersonal, objective pronoun here is to completely distance the reader from supposing the I was the only person my wife was referring to. In fact, if she had let me build my own machine it would not have broken ... in the first month ... probably.) Needless to say the thought of missing the deal of the century was stopping me cold. If it wasn't for the generosity of a family member who felt like we had a gift coming I'd probably be typing this post on my COMPY 386. Its definitely much easier to spend someone else's money than my own.

I can't imagine what I am going to be like once one of our cars dies. I am assuming that the pressure from needing a car right away on one side and the pressure not to miss the deal of the century on the other side will drive me to the breaking point. I'm sure it will be good for me though. Maybe it will force me to grow a little bit.

Ethiopia, Equality, and the Principle of Fairness

Recently, I read posts on My Dollar Plan and AllFinancialMatters that got me thinking about the whole issue of fairness and being equitable with one's children. While I currently have no children, this will be important to me when I have one (or seven) so I will engage in this thought experiment for fun and for the benefit of having thought it through before the fact.

My Family
My family of origin was one where making things equal was very important to my parents. Each Christmas they would try to get us about the same value in presents. Yet when it came to college, each of us was afforded the financial backing of our father irregardless of the price tag. So my oldest brother, whose schooling was well below $10,000 a year, got the short end of the stick when you consider that the school I attended ran from $20,000-$25,000 a year. Our opportunity was the same, but the money that created that opportunity was different for both of us. When it came to extras (i.e. presents) my parents were equitable, but when it came to opportunity they would not let the cost deter their sons from taking part.

Now this set-up seems relatively fair to my sensibilities. All us kids got what we needed and we were all afforded the same opportunity to succeed. We even got equal amounts of extra stuff if we wanted the extra stuff. My parents seemed to live by this rule: make opportunity available to all and make the extra stuff equal. I wonder how this would hold up in a situation or even a culture where neither money nor opportunity were in ample supply?

Ethiopia
To continue this thought experiment let us travel to the absolutely beautiful country of Ethiopia. With a GDP per capita that ranks in the bottom 10% of the world, a largely rural society, and an inefficient education system I doubt most families can give equal opportunity to all their children like my parents could. It is especially difficult for women in this culture. Bogaletch Gebre, founder and director of KMG, an NGO in Ethiopia, writes,

"Rural and urban poor women, on the other hand, perceive themselves as different. All their energies go to their families’ survival in harsh and worsening conditions. In the villages and in the city slums, a major part of their time and strength goes toward providing basic amenities of life, like carrying water long distances, gathering firewood, and preparing food. Their aspiration is to have enough rain to bring in a normal harvest so their routine of life is not disrupted and they are not displaced from their homes."

This not only affects women who run households, but even the young girls of those households. Gebre continues by adding that,

"Although at the policy level Ethiopian education is not discriminatory against women, in some areas a staggering 94 percent of women have no schooling. Nationwide just 46 percent of all girls entering grade one remain till grade four, in some regions just 22 percent.

In 1989, at higher levels of education, women were 14.5 percent of students going for a two-year diploma, 8.2 percent for undergraduate and 6.4 percent for graduate degrees. For most female students, the primary level of education terminates at grade 6."

This statistic is staggering and a little disturbing. When Gebre boils it down, she calls it an issue of sexism and patriarchy,

"Peasant women of the Third World are forced into asymmetric participation in development, by which they bear the greatest costs but are excluded from the benefits. While large numbers of men as well as women are impoverished by development processes, women tend to lose more. Men and boys are given greater access to education. They are given greater access to training for new kinds of jobs in the developing economy, while women and girls are often deprived of educational opportunity, being expected to stay home to do “women’s work” while their sustenance land base, the principle source of food for themselves and their children, is disappearing as land is taken up for large-scale mechanized farming of export crops."

While it is true that the patriarchy that excludes women in this system is appalling and should be addressed, I tend to think that the real issue here is more about poverty and access to opportunity than anything else.

Thought Experiment
Let us imagine our family is in a similar situation to one of those living in rural or urban poor areas of Ethiopia. For the sake of the experiment our access to food is dependent on factors outside our control, employment is scarce, and children are plentiful. Our only source of water is located 3 miles away. Education is available, but anything past the elementary level costs money to enroll in and money is scarce, very scarce. You've had somebody else do the math for you (since you never had much of an education) and you only have enough money to send one child to school. Your left with a choice:

1. Send the oldest to school, they will be able to make money from their job soonest and help you and their siblings possibly break the cycle of family poverty
2. Send the brightest to school, they stand the best chance of making it
3. Send each child to school for one year, to be fair, but essentially crippling their chance to get a job since they did not complete their schooling
4. Do nothing
   

Remember the rule that I thought my parents lived by: make opportunity available to all and make the extra stuff equal - well it seems to me like it is totally destroyed by this example. Choice 3 would seem like the logical extension of my parents line of thinking and to me choice 3 just seems plain wrong. This experiment seems to highlight a better rule in situations where we have to decide what do in matters of opportunity: make the choice that will improve the well being of the family. Choice 1 and 2 seem to follow this rule, albeit with different views on other details such as merit.

Making the Change
I would say that most of the people I have run into would put their emphasis on individuals when thinking about families. But what I think this exercise has taught me is to think of my family first as a unit, and then as a unit of individuals. When we have a choice to make, choose what will create the best results for the family as a whole while also meeting the needs of as many individuals within that unit as possible. The choices won't always be popular, and it may hurt like hell to disappoint our children by saying no to something so that we can say yes to something else, but in the end the family will be better off and that is what being parents should be about.

I've Got Serious Gas

Gas is one of those necessary expenses that you can't really skimp on, especially in a city with the sprawl of San Diego. My previous post about the anticipated changes in our income got me thinking about how much the fluctuations in prices here in California have actually affect how much we spend on gas. Here is a graph charting the monthly averages for the State of California from The Fuel Gauge Report:


Here is my family's gas spending from about the the first peak on the above graphic:



As far as my untrained eye can tell it appears that we are at the mercy of the price of gasoline. (The obvious exception being in July - when we were down to only our old, gas-guzzling Volvo while our super efficient Toyota was in the shop for over a week for repairs). When the prices at the pumps sore, our pocket books sour. Stupid gas.

So what can a brother do? I can't exactly stop driving the 30 mile round trip to work every day. San Diego's public transportation system would take me hours to get to work and cost about the same as driving would. The only real, cost reducing option I have thought of would be to ride a bike - the only problem is I don't own one ... and I am out of shape ... and its cold in the winter.

Then sometime near the end of last month, shortly before I left for a trip to Ethiopia, I discovered hypermiling. Simply put, hypermiling is getting the best gas performance from your vehicle by driving like a Grandma. Its safe. Its simple. Anybody can do it. Some of the most important techniques include:

• Accelerate slowly and stop gradually - using the brakes means wasting gas.
  
• Use cruise control (or use your foot like it has cruise control) - constant pressure may mean losing speed going up a hill, but it also means you'll save a little extra in fuel economy.
• Keep up with routine maintenance - your air filter, tire pressure, and fuel injector all play some role in your car's MPG

Think about it. Try it out. Make the world a better place. And most importantly, drive like a Grandma (but not like my Grandma - she once drove on the wrong side of the road with me in the car when I was young. Needless to so say, we did not save any gas.)

Helpful Hypermiling Links:

Ways to Decrease Fuel Consumption - From Hypermiling.com
Beating the EPA - From CleanMPG.com (gets pretty technical)

The Job Dilemma - My Wife's Potential Income

Another thing about my wife's job is that we don't really know how much she makes. Crazy, isn't it. I mean we know what she gets from her paychecks, but her hourly wage is somewhat of a mystery to us (and more specifically to me). She used to get paid a flat $1700 a month before her most recent review and schedule change. That was easy enough to figure out. Her boss probably figured how much she could afford and back calculated what an hourly wage would be ($10.89) but acted like she was paying a salaried employee. This scheme probably worked better for her, given her understanding of the finances of her business.

But now, since a supposed raise and a schedule change that has my wife working overtime, her actual hourly pay is now hidden in her employers complex payroll system. It doesn't really bother my wife, but sometimes it drives me crazy. Why can't her payroll be simpler? It really hampers my attempts to make predictions about what a change in her working hours will do to her pay. I've had to resort to doing estimates and random predictions. From what I have been able to tease out of the information I have decided that she makes about $12 an hour. If this estimate is true, then the following chart helps us understand just how long it will take for us to meet each of our goals based upon her saving power:



As you can see, each goal is broken down in the number of hours and full 8 hour work days that it would take to save for the various financial goals that we have on our list. These numbers can be used both for good and for evil. If for good, we can see them as providing a context for us to persevere through the tough times that her job brings her. We can put them on a calendar and mark off each day we march closer to our goals, counting each day a triumph. If for evil, we can see these numbers as road blocks to the things that we really want out of life, obstacles that seem insurmountable and strong.

I think I prefer to look at these numbers in the positive light, how do you see them?

Other Posts in this series (in order of appearance):
Jobs, Can't Live With 'em ...
The Job Dilemma - The Numbers
The Job Dilemma - My Wife's Potential Income
The Job Dilemma - The Decision
The Job Dilemma - The Resolution

What I'm Reading

The Job Dilemma - The Numbers

The other day I posted that I was going to hit the books and do some analysis of my family's financial situation. Here is some of the raw data that we are working with:



So as it stand, we have we run into a $130 deficit given our current spending and saving habits combined with an increase in our health savings (I vastly underestimated how much we needed for this), an anticipated gym membership, an expanded fuel budget to offset the rising cost of gas, and a slight decrease in the level of my take home pay due a change in my benefits deductions.

There is some wiggle room in our budget, but not that much. Here are some of the other savings goals that we would like to hit in an ideal world:



When all is said and done we will have to make some choices about what we want to invest in with both our money and our time. The ways that we can work this are limitless. We just have to remember that happiness is always primary, savings goals are always secondary. Numbers help inform decisions, wisdom drives the decisions. Lets keep first things first, after all.

Other Posts in this series (in order of appearance):
Jobs, Can't Live With 'em ...
The Job Dilemma - The Numbers
The Job Dilemma - My Wife's Potential Income
The Job Dilemma - The Decision
The Job Dilemma - The Resolution

I'm a Grower

I love to see things grow. It releases wave after wave of warm fuzzy chemicals throughout the synapses of my brain. Its like a warm meal on a cold, hungry day. When I see the ah-ah in the face of a child, or the development of a new skill in an athlete, or the rose bush in my father's back yard bloom - I smile. Its like part of me awakens to life and I want more. I grow insatiable with growth. I want my life to be life where I see as many people grow as I possible can.

And this relates to money, because like other things in my life, I like to see it grow. But then again, who doesn't. And like everybody else, I am a little afraid of the risks involved with growing money - especially now - when our financial tire is a little thin for the trip were planning. I don't think my wife and I want to be stuck in the proverbial Yuma on our road to kids, education, and eventual career. Yuma sucks. But then again we could be two of the 3 billion in the world who live on less than $2 a day. Yuma may suck, but Death Valley can kill you (like a ninja would if you knew their actual name).

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Jobs, Can't Live With 'em ...

My wife and I are beginning to look into what capacity she should remain on at her job. Her job is one of those things that isn't too terrible, but the long attrition of minor inconveniences and annoyances is taking its toll. Her boss is sweet but can be extremely controlling. The boss' my-way-or-the-highway mentality on insignificant issues has been grating. Since the job is in the service industry (well, kind of), sometimes her clientèle can be pretty childish. Among my wife's major complaints is that they don't listen and follow simple instructions. Such is life.

So its time to hit the books. Luckily, I have tracked practically every purchase we have made since we were married this past March. I love the power of spreadsheets. When I double click our dusty computer files I'll be able to see when we spent our money, where we spent our money, how much we spent, and what category I (sometimes arbitrarily) decided to put those purchases in. I even have an overview spreadsheet that automatically updates totals when I make a change on a monthly spreadsheet - and it has graphs! Did I mention that I love spreadsheets. Now I know that there is software out there that probably does what I have done in such a better way it is ridiculous, but that eliminates the fun and and adventure of doing it yourself.

I can't say enough how very nice it is to have the freedom to even have this discussion with my wife. If we had not at the very beginning of our marriage decided that we wanted to have kids and have the mom at home, we would never have made the decision to try and live on one income even though we had two. If we weren't living like one of our incomes was extra money, the option for my wife to scale back to part time and focus on other things that she loves to do that are also productive and help the family would be off the the table. Necessity would demand it. But as it stands, scaling back to part time is still only one option and even the degree of scale back is up for debate. We have decided to let the numbers tell us the consequences of our choices before we make any final decisions.

Our main considerations are as follows:

• We want to have kids - the sooner the better. What type of financial foothold should we have established before we start making the babies? How long will it take to get us there?
• Our cars are old and getting older. With my car over the 150,000 mark and my wifes over 200,000 both of them a far from peak performers. Our current lifestyle demands that we own two, how much should we save and when do we expect to need it by?
• A masters degree looms out in the distance and seems like the course we want to take. How much do want to sock away now before babies and school hit?
• Retirement? I may be 25 but already the thoughts of getting a good start early on a future that means no work and focus on being productive in ways that enrich the world is pretty attractive. The earlier the better, but at the cost of what?
• With families that are important to us on both coasts, seeing them is an expensive but desirable thing, where can we find the money for this?

All in all we have several things to consider, and the numbers won't answer everything, but at least we can walk into this with eyes wide open so that when things get hard we can look to the prize and stand firm.

Other Posts in this series (in order of appearance):
Jobs, Can't Live With 'em ...
The Job Dilemma - The Numbers
The Job Dilemma - My Wife's Potential Income
The Job Dilemma - The Decision
The Job Dilemma - The Resolution

Holiday Bonus

This week I got my first holiday bonus. Its $635 represents a little under 2% of my annual salary. That's right, I am rolling in the dough. Seeing as how I have only been with my company for nine months I am pretty pleased with their offer to funnel their money into my pockets. Keep it coming Uncle Bob.

As pleasantly surprised as I was about getting this windfall I was also a little shocked to see just how much the actual check was made out for - $352.29. The Fed and the glorious state of California took out more money from my bonus check than they do from my normal semi-monthly paycheck. I hope I get some of it back in couple of months. No interest loans rock!

I Want Gold!

Well, that's not exactly true - it just sounds funny in a dutch accent with the vowel drawn out like William Wallace's insides. I just want to be a good Steward, you know, the kind that would make mom proud. I don't want my family to have to worry about money or to have to miss out on opportunities to live. Because my family needs money to survive and to thrive, I need to be a money manager - the CEO of my own little corner office.

If I could have my way, I'd never think about money. I can even make strong arguments in my mind that hold up to about a minute of intense internal scrutiny that say money should be abolished. But after 61 seconds I succumb to a British like aversion to change and I find myself as deeply disgusted with a world without money as I can be in this world with money. I guess I will just have to learn to deal with it.

So let there be blog! Here is my attempt to reconcile and to rant, to compile and to confess, to sulk and to shine. Money will be my matter (unless it comes upon me to post something about monkeys - they're just as good). I don't really know anything about finances, so reader be warned if some off the cuff remark has some semblance of sanity. That just means that you're probably insane too. All I'm saying is that I have a moderate level of spreadsheet know-how combined with a disposition that loves to see things grow; I reek of amateur. Hopefully experience will teach me a little something-something, but her lessons are always so hard.

About Me

I am Steward, a 20 something married male living in San Diego, CA. I write about how much my family makes, what we spend our money on, how money affects our family, and what we think about money in general.

I certainly don't take myself seriously, so you better not either. Have fun and make it a good day.