why i'll never be a points maximizer

 i get so jealous of all the points hackers and bloggers out there. how do they do it and keep track!

at this stage in my journey, i realize i'll probably never be a points maximizer for a couple reasons. i just don't trust myself with free credit card spending. i tend to overspend. it's true! 

my budget and money management process i have right now works really well for me! i pay my bills with a billpay check. and really only one of those bills doesn't charge a fee for using a credit card. Purple did make a good point that a lot of times even the 3% fee is worth it when you maximize the point correctly. but i'm not there yet!

and i just like the satisfaction and contentment i feel seeing all my bills in one place. I can track my money better that way. 

maybe i'll do a study and see.

and i think it's in general hard for me to mentally rack up a bunch of points with no real purpose. i'm very goal oriented. and without a goal, i'd rather just keep things as they are.

but maybe it's a case of running the numbers and seeing if it's worth it.

but yeah, i know those little drips add up but right now, my system really works for me and it got me this far.

and i honestly do not enjoy the act of having to pay bills every month; i just don't feel like doing it. so right now, i prioritize the convenience of billpay and the automation of life over the points i could be earning.