Organization is Vital

Of upmost importance: be in control of what you're doing. 

Traveling for cheap is so worth it, but it requires some extra effort, and that begins with staying organized. 

Here are some examples of how we have achieved organization in order to maintain good credit to keep ourselves traveling!

1. A spreadsheet. Yep, boring old faithful is quite helpful when managing multiple cards with different expiration dates, anniversaries, annual fees and statement dates. We use a credit card tracking sheet designed by Noah and Becky from Money Metagame. (Click the image below to link through to the spreadsheet)

One note on this: on our spreadsheet is EVERY card we've every opened... even cards that have been closed. Certain banks have rules about how many cards you can open in a certain amount of time. For instance, Chase only allow you to open 5 cards from any company every 24 months (commonly known as 5/24). Keeping track of open and close dates is key to staying on top of such rules. 

Starting a spreadsheet such as this early on will help you manage minimum spends, dates annual fees are due and statement dates.

Speaking of statement dates...

2. Having all credit card statement dates on the same day. This has helped us immensely in ensuring cards are always paid on time (essential part of using CCs). Choose a good day of the month based on your preference; whether pay day or just your favorite number. Credit card companies will generally let you change your statement date after 1-2 months of holding the card. 

CC book.jpg

3. A credit card book. We literally have a book of CCs. We found a cheap business card style book (purchased from Staples using a CC that gets 5% back of course), and it's filled with all our cards that are not currently in our wallet, as well as our hotel rewards cards. It helps that we can quickly grab a card when it needs a "hit," and have the card numbers for reference as needed.