Points and miles come with a lot of moving parts.
You don’t need to remember all of them. You need a system that does.
This guide shows how to create one simple,accessible place to track the things where forgetting can actually cost you.
- Tracking active welcome-offer spending and deadlines
- Separating remaining spend from spending you’ve already earmarked
- Keeping tabs on points, certificates and other instruments with meaningful expiration dates
- Tracking monthly, quarterly and annual credits you actually intend to use
- Why you don’t need to track every benefit a card technically offers
- How a simple Notes file can work in practice
- Other tools you can use if Notes isn’t right for you
- The three characteristics that matter most: accessible, editable and simple
Your system doesn’t need to be sophisticated. In fact, if it’s complicated enough that you stop maintaining it, it isn’t a very good system.
Start with SUB deadlines, expiring value and credits you intend to use—then build only as much system as you need.