- We got an email saying that our Half.com payment was deposited (~$10)
- Our 'rewards' check came in the mail from our credit card ($25)
- A real surprise- a 'dividend check' came from State Farm (~$50)
- After all of this happened, Josh offhandedly mentioned that he figured out how to get rewards from our debit card as well, and had those deposited yesterday. (~$15)
These are all pleasant surprises. I have emphasized they are surprises. Why? In my opinion, they ought to be treated as such.
- These things are not in our budget. If we don't expect them, we don't plan on how to spend them, and they go straight to savings. If we relied on income like this and it doesn't show up, we'd be in trouble.
- Credit cards are dangerous. Yes, we have one. ONE. And we always pay it off, completely, every month. Have you looked at credit card interest rates?! The primary motivation for having a credit card right now for us is to build our credit score. We're still young, and, besides paying bills and one school loan on time, we have nothing to prove to lenders that we're responsible. The credit card seems like the least-risky way to do that, so we can get a good rate on a home loan when the time comes.
- The Half.com sales are more for de-cluttering purposes than money-making. We're getting rid of books & textbooks we'll never read again. (Check out what's left in our store!)
- We always opt for cash with the rewards cards. If we want to spend the 'reward' at Best Buy, we will- we don't need a gift certificate. More likely, we'll take the money & save it & spend it on something we actually need, rather than an impulse buy.
Have you had a 'surprise money day'? What kind of things do you do to find these extra bits of cash?