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[quote=Anonymous]NP. DH and I have been balling on a budget for decades, and what some may consider too time/labor-intensive is practically second nature (and honestly a fun game!) to us.

For example, when churning and burning credit cards, we keep a master spreadsheet to track exactly when to close each account for maximum promotional benefits at minimum spend - including annual fees, as well as the earliest we can reapply for another round. We pay off the bills each month, and our credit remains excellent (both well over 800).

Combined with frequent flyer miles and hotel points gained from work trips (we also take advantage of multipliers due to status and/or additional promotions), our  personal vacays end up being at minimal cost, even when flying international first or biz and staying at 5 star hotels properties. One downside, of course, is that we’re typically restricted to chains and constrained in dates, albeit some programs have been expanding their more boutique offerings plus we’re about to become empty nesters so no longer slave to the school calendar when traveling! We use free price trackers to get the lowest rates on rental cars, and are very comfortable navigating public transportation as well.

We enjoy mostly cooking at home and utilize weekly ads when menu planning, but also joined a restaurant review group several years ago so a good chunk of our dining out is complimentary! DH is also part of a product review group so gets all kinds of stuff for free that are actually pretty useful (e.g. electronics, appliances, etc.). Our clothes and accessories consist primarily of designer classics curated over time and during sales/promotions whenever possible - we prioritize quality over quantity and have maintained the same sizes since adulthood (except during pregnancy for me) so end up spending way less on wardrobe than one might expect.

I’m sure there are additional money-saving hacks we employ, but I think I’ve covered the major ones![/quote]

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