If only the snow day would've happened yesterday .. then I could have participated in the SBs birthday bash .. oh well.

I got an email from Credit Karma today and decided to go ahead and update it and see what my score was. The last time I did it was maybe 7 months ago?? My score then was 726, and today when I checked it, it was 776! Even if that isn't reflective of my real credit score, still that is pretty darn cool I think.

One of the cash back cards they suggested was a Chase premium card where I could get $500 cash back if I spent $3000 in 3 months. I looked really hard to see if it was possible to spend that much in 3 months (only on my credit card) and realized that even if I paid for my summer trip AND for my Christmas trip, that I wouldn't come close.

So I looked at the $200 cash back card - for that I'd only have to spend $500 in 3 months. Easily doable (with moving some automatic payments to it..) However, I think I already have the card (thanks to Chase buying out the previous owner of the card) so wasn't sure if they'd let me get a second one.

So ... I decided to look at SBs and see what offers they had. I found a 3600 SBs offer on TrialPay for Discover. That equals to $40 in AGC (spread over 2 months.) They also are offering 5% on gas for March. I went ahead and applied for it, and after calling to confirm my physical address, was approved. (Now have to wait for the SBs to credit.) With this additional card, I now have almost an equal amount of credit to annual income. Scary isn't?

I'll have to look at the way they do rewards and see if it would be worth closing my Chase card and then a few months from now opening a new one for a cash back reward. If I opened an account requiring $3k in 3 months in say ... June?? I might be able to manage that - summer travel, Christmas travel, buying new iPhone, renewing car insurance ... might come close.

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I shocked myself by qualifying for a survey on SBs - 65 SBs which credited immediately. With that, I'm up over 100SBs from where I started this morning.

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Maybe this snow day isn't too bad of a thing ... I'm kind of debating on whether I should give the $50 I was thinking about to the grandmother of the girl who got her hair cut by another student. It really isn't in the budget ... but then again, I spent $12 at the mom and pop store Monday night getting stuff for the bake sale (to donate) that was supposed to happen today, and that sure wasn't in the budget!

I'll keep thinking on it tonight. I do think that if I do give it to her, I'm going to do it anonymously - just drop an envelope in her mail box. Might make it less weird/uncomfortable?