Hello lovelies! Here is the community question we are tackling today…
Are Credit Card Points Actually Worth It?
Here’s what you need to consider:
💳 First: What are credit card points?
💸 The hidden cost: Annual fees, interest, and temptation
🏦 From the bank’s POV: Do credit cards hurt your chances of refinancing or applying for a mortgage?
🏆 Do the points ever genuinely make it worth it?
🎙️ This week on the podcast
I interrupted our usual Money Diaries programming this week to bring you something I thought you really needed to hear (and by the outpouring of comments and DMs I received, you absolutely agreed).
Have you ever wondered if your hobby could actually pay the bills? This week I spoke to Sweet Bakes and Miss Trixie Drinks Tea... two friends who turned their love of baking into cake empires.
💗 Small Biz Spotlight
Vicky is a videographer, and mum of 2, who invented Props: the world’s first phone case with a fully tilt-able, built-in stand. It’s sleek, it’s seamless and it’s smooth to flip into place. It removes the need for a tripod and the risk of oat latte spillage. It's one of those “why didn’t this exist sooner?” inventions you’ll wish you had years ago. I just love how clever our community is.
Get yours here. And money win: we’ve even managed to score a 15% off code for the community SOTM15.
🤘 More Fun On Insta!
