Sometimes it feels like you have to do a reverse mortgage on your house (does anyone really know what that is, btw?) just to take a vacation! Maybe that’s why many Americans don’t take all of their allotted vacation time they get from work. Seriously, though. Vacations are expensive. And if you don’t do your research, planning, and saving beforehand, it could be devastating to your credit score.
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Starbucks. What would I do without you?! And whatever you may think of the coffee chain, it’s one of the most successful businesses in the world. That’s because, since the return of their CEO Howard Schultz, the company has made smart business decisions.

One of those smart decisions: change the way their loyalty program works. Come April, the Starbucks Rewards program is going to be revenue based, which is a big change from what it is now.

Getting a travel credit card (or two) is great. But once the honeymoon period, if you will, is over it can be tough to know how to maximize the spending of those cards. Plus, the last thing you want to do is go into debt to get points. So how do you find the happy medium? How do you maximize spending without going overboard?

Here are several items/purchases you can make to earn more credit card points than you ever have:

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It used to be something quite common: bereavement fares for flights. But over the last decade or so, they’ve slowly gone extinct. There are still some airlines that offer a bereavement fare, like Delta and Alaska Airlines, but most airlines have done away with them. And even if you can find a bereavement fare, oftentimes you’ll have to jump through hoops to get them (annoying for someone that didn’t just lose a loved one, let alone someone who is in a grief filled haze).

I’ve said it before and I’ll say it again, the Chase Freedom is one of my favorite cards to use. Not only is it a no-annual-fee card, but it also offers a 5x bonus on rotating categories every quarter (up to $1,500 in spend). In order to take advantage of these bonuses, you need to activate it. If you do the math, this means you can earn $300 every year if you max out each quarter. It gets even better if you pair the Freedom with the Chase Sapphire Preferred, which can turn that $300 into an amount much closer to $600.

Who doesn't like free money? The thing is not everyone has enough free time to get a second job, or do a side hustle. If that pretty much describes you, rest easy! That’s because making extra money doesn't always have to include work. One of the easiest ways you'll ever see that dough rise in your bank account is to open another bank account. That's right. Banks try to lure customers by offering perks. All you need to do to take advantage - is to open an account. Easy. As. That.

It’s called chasing sign-up bonuses and some people do this kind of thing on a regular basis. You can do it with credit cards and bank accounts. I’ve done both, and neither one takes much time. As of late, I’ve been focusing more on chasing credit card sign-up bonuses, but I recently started thinking about opening another bank account to reap the rewards.

It only takes about 30 minutes (give or take a few) to open up a bank account, so time really isn’t a factor here. And most bonuses you’ll get after three, or six months are more lucrative than keeping that same amount of money in a savings account for the same amount of time. For example, if you open an account with $1,500, and get a bonus of $100 after six months you’ll close that account with $1,600 in your pocket. If you left that same $1,500 in a savings account you’d get less than $10 in interest in six months. Which one would you pick?

Anyways, I figured I’d write this to help me (and hopefully you) decide which banks have the best deals right now. Listed below are some of the better deals I found:

This will probably be the easiest $300 you'll make every frickin' year! And that's not even the best part. What is? It's free. I know what you're thinking: there's gotta be a catch. Well, yes and no. That's because I'm talking about a rewards credit card. But it's one of the best out there, in my opinion. I'm talking about the Chase Freedom Credit Card. It has no annual fee, and is very easy to get for most people out there. According to Credit Karma, if you have a credit score of at least 585 you can get approved. The Freedom was my very first adult credit card out of college! And let me just say, when I graduated college, I had a crappy paying job with very little credit.