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this post was submitted on 20 May 2024
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It’s literally cheaper to buy things I know we’ll need at some point (assuming we have the space to store the thing) using a rewards credit card that’ll give us 1-3% back than it is to save and buy those things later when they’re even more expensive. (Paying off the CC before it accrues interest, of course.)
The only move that is ‘smarter’ is to be risky with our money and invest in some way. Which then either makes me a part of the corporate enrichment cycle or a member of the rentier class.
Investing isn't that cheap, especially if you want to be moral about it (no shadow pools, company screening, etc). Coz you know, you are just fueling the same problem you are solving.
Online savings accounts also exist.
A solid suggestion.
I often discount those because I think of them in terms of cable TV pricing, that you have to hop around on to get the maximum benefit. It seems that there’s no trustworthy info to find online these days, so I don’t really know how they stack up, or even if my assumption about them is correct.
Something to add to the vast hopper in my brain labeled “things to research if I ever find enough time.”
Ymmv but I've found Ally Bank to be good and the rates fluctuate with the baseline rates. I think you get over 4% interest right now. I've seen them go up and down just as the fed makes movements, unlike my ing direct account (which became capital one or something) where the rates only ever went down.