Spend Now, Save Later

Alright, we all know I love to save money. I mean I've said time and time again that one of the main reasons I'm breastfeeding is because I don't want to pay for formula. Even more so now that Tuck has the milk allergy. Well, today I'm sharing with you my grand Christmas shopping plan. Which has already started. That's what happens when you have a baby in the month of December, plus you want to throw a 1st birthday party, an adult Christmas party and lets not forget that people like Christmas gifts.

Back in April (I think) I finally gave in at Old Navy when they asked if I wanted to open a credit card. I did because my cart was filled to the brim and that 15% savings would help. I also did it because when I go on my girls trip with Danny's family we spend at least an hour and a half in Old Navy, buying for ourselves and each other's children. This card would come in handy.

At the time I didn't know just how handy it would be, but I found out in July. In July they sent me a flyer that every dollar spent was worth 5 times the reward points. Everywhere, not just at Old Navy and the brand stores (Gap, Athleta, Banana Republic, and I think there is one more). So, instead of using my normal credit card, I started swiping my Old Navy card. Miscellaneous purchases, some gas, food, anywhere I would normally use my regular credit card.

July ended and in my inbox was a $45 waiting for me. With an expiration date of 12/31/14. Well after my shopping trip. With the affordable prices at Old Navy, I could have 3/5 nieces/nephews clothing gift paid for. (I give clothes and a toy. I'm a cool aunt) So, in my mailbox this month was another flyer. 3 times the points everywhere. I've already earned $25 reward that is good until February. I now have all 5 nieces and nephews clothes gift paid for. The other nice part? I earned those points, buying Tucker's Christmas/birthday gifts. I'm using Christmas shopping to pay for Christmas shopping.

Danny is even impressed with my smarts so I know I'm doing something right!

By the way, Old Navy/Gap Brands has no clue I'm doing this so there is no additional kickback. I just like saving money and I like sharing my good ideas when I have them.

Another perk, more money for Target.

And a new car... and a camper... I like nice things :)