— simplify???? priority among cards: 1) cimb till 16 Apr 2) bocd 3) FnF dining 4) FnF @ NTUC
bocd .. wait for pacLight email in early Mar.
— event calendar
- March bocd: pacLight email $0… “target” amount for bocd about $100. I will manage it myself, without wife
- — mid Mar before flight:
- maybank statement will show two cards, same balance. Pay off statement balance which includes $32.40 “charged by someone else”. $32.4 to be refunded as a credit.
- proactive $xxxx i.e. bulk of FnF statement balance from DBS .. to avoid big-GIRO hazard, leaving $100+ for Giro. Simplify by paying After billPay, but not close to due date.
- — Mar payroll
- pay off scsc statement, not current, balance. Simplify by paying on payroll day or earlier
- call scb .. reduce credit limit to 10k after Mar 50k
- call Maybank (8a – 8p) … reduce credit limit to 10k after 24 Mar >> 50k
- — Apr
- billPay: SCSC, Rev, FnF
— Simplify: focus on (up to) 3 key points + some minor points
- accept some FB-fees or other minor /missteps/
- — minor simplifications
- Rule: make proactive payment whenever ccard outstanding exceeds some threshold like 1k. Accept that such pre-payment amount would not be “productive”. However if the amount is unusually large, then we may want to delay the ‘proactive’ beyond statement date. With timing+coordination, this could relieve xjl pressures like FBF, late fees, pre-mature withdrawals,,,
— Q: if I become overwhelmed (with work, or family, or investment issues…), I would feel burdened and distracted by the “juggle”. How would I cope?
- proactive on oversized ccard outstanding, or even lock up the ccard for a month
— biggest juggling stressors
- bx annual payments, esp. FLI150
- multiple cCards/PFL/PacLight: missing full payment .. exorbitant LIR over a short period of time
- cimb card promo