When life hands you a big expense, don’t panic — plan. 😉 We had to replace our roof this fall, which meant a pretty hefty bill. Instead of just paying it off, I saw the perfect opportunity to open a new Amex card with a targeted welcome offer that required a higher spend. Those roof payments helped us meet the minimum spend (something we wouldn’t normally hit in our monthly budget), and now we’re earning a huge stash of points that will help cover our family’s Europe trip next year. The fun sid

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