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# RichmondSavers.com

Family Finances and Credit Card Rewards

## Posts

- [Blog](https://www.richmondsavers.com/blog/)
- [Take Your Family to Disneyland For Nearly Free: Step-by-Step Instructions](https://www.richmondsavers.com/take-your-family-to-disneyland-for-nearly-free-step-by-step-instructions/) - Step-by-step guide to planning a nearly free trip to Disneyland in California using credit card rewards points.
- [The Essential Rewards Credit Card: Chase Sapphire Preferred® Card](https://www.richmondsavers.com/the-essential-rewards-credit-card-chase-sapphire-preferred-card/) - Full review of the Chase Sapphire Preferred Card, which we consider the single most essential travel rewards credit card for Ultimate Rewards points.
- [Take Your Family to Disney World For Free: Step-by-Step Instructions](https://www.richmondsavers.com/take-your-family-to-disney-world-for-free-step-by-step-instructions/) - RichmondSavers.com describes in exact detail how to use travel rewards points to take a family vacation to Disney World for free!
- [The Impact of Fees on Your Investment](https://www.richmondsavers.com/vanguard-funds-and-the-impact-of-fees-on-your-investment/) - Richmond Savers looks at the impact of mutual fund and investment advisor expenses on your investment balances as well as the positives of Vanguard funds.
- [March Frugal Challenge: Get a Checking Account Bonus](https://www.richmondsavers.com/march-frugal-challenge-get-a-checking-account-bonus/) - This month, we show you how to earn $300 with a very simple strategy. If you like credit card rewards, you'll love a bank account bonus that is this easy to earn.
- [Our 10 Night Family Trip to San Francisco for $44.80](https://www.richmondsavers.com/our-10-night-family-trip-to-san-francisco-for-44-80/) - How our family of four is taking a 10-night vacation to San Francisco for only $44.80 out of pocket using credit card rewards points and miles.
- [Three Ways to Redeem Chase Ultimate Rewards Points](https://www.richmondsavers.com/three-ways-to-redeem-chase-ultimate-rewards-points/) - Step-by-step guide to redeeming Chase Ultimate Rewards point for cash back, travel through Chase's portal or by transferring to an airline/hotel partner.
- [Success Story: Zina and Sam's Honeymoon](https://www.richmondsavers.com/success-story-zina-and-sams-honeymoon/) - Zina and Sam used Chase Ultimate Rewards points to book a round-trip flight to Europe with United including a free stopover
- [Travel Rewards 101: Three Main Types of Rewards Credit Cards](https://www.richmondsavers.com/travel-rewards-101-three-main-types-of-rewards-credit-cards/) - The three main types of travel rewards credit cards are discussed: co-branded airline and hotel cards, transferable points and fixed value cards.
- [You Can Book Disney World Tickets with Chase Ultimate Rewards! Here's How...](https://www.richmondsavers.com/you-can-book-disney-world-tickets-with-chase-ultimate-rewards-heres-how/) - Using credit card rewards for Disney World tickets just got a whole lot easier. Here's how you can convert Ultimate Rewards into the ultimate family vacation.
- [Paying For Travel Expenses As Part Of Your Minimum Spend](https://www.richmondsavers.com/paying-for-travel-expenses-as-part-of-your-minimum-spend/) - You don't always have to meet minimum spend before being awarded with points and other travel benefits. Here's how to travel as part of your minimum spend.
- [Our Guide to Visiting Italy for Free with Credit Card Rewards](https://www.richmondsavers.com/our-guide-to-visiting-italy-for-free-with-credit-card-rewards/) - Italy is on most people's bucket list, because let's be honest, it's a beautiful country. Here's our guide to visiting Italy for free using travel rewards.
- [Master List of Ways to Save Money at Great Wolf Lodge](https://www.richmondsavers.com/master-list-of-ways-to-save-money-at-great-wolf-lodge/) - The Great Wolf Lodge indoor waterpark and resort is fun for the whole family. And it doesn't need to be expensive. Use these tips to save BIG on your trip.
- [When to Redeem Cash Back Instead of Travel Rewards](https://www.richmondsavers.com/when-to-take-cash-back-over-travel-rewards-and-a-plan-to-have-both/) - It's tough to choose between cash back or travel rewards, but it depends on your situation. We take a look at when each makes sense and how you can have both.
- [Our $231 Luxury Bermuda Trip using Travel Rewards Points](https://www.richmondsavers.com/our-231-luxury-bermuda-trip-using-travel-rewards-points/) - Detailing the RichmondSavers.com family trip to Bermuda at the Fairmont Hamilton Princess for a total cost of $231 thanks to travel rewards points!
- [An Introduction to RichmondSavers.com](https://www.richmondsavers.com/an-introduction-to-richmondsavers-com/) - Welcome page and info on where to start navigating RichmondSavers.com, the free Richmond, VA personal financial planning website.
- [Life Update from the Richmond Savers Family](https://www.richmondsavers.com/life-update-from-the-richmond-savers-family/) - An update from the Richmond Savers family on life changes, Travel Miles 101, upcoming trips and the Disney Challenge group.
- [Travel Rewards 101: A Beginner's Guide to Credit Card Rewards](https://www.richmondsavers.com/travel-rewards-101-a-beginners-guide-to-credit-card-rewards/) - Travel Rewards 101 level look at how to get started using credit card rewards to travel the world for free!
- [Planning a Trip to Paris with Points and Miles](https://www.richmondsavers.com/planning-a-trip-to-paris-with-points-and-miles/) - Want to see the most romantic city in the world? Here are some tips to visiting Paris for free using points for airfare, hotel, and other transportation.
- [So we went to Europe and Africa...](https://www.richmondsavers.com/so-we-went-to-europe-and-africa/) - Heather & Harper used United miles and a free stopover for a dream trip to Africa and Europe and saved $5,500 in the process!
- [How to Take a Free Trip to London with Points](https://www.richmondsavers.com/how-to-take-a-free-trip-to-london-with-points/) - London is one of the most popular international travel destinations, and one of the most expensive cities in the world. Here's how to go for free with points.
- [Alert: Walt Disney World Now Offers Date-Based Ticketing](https://www.richmondsavers.com/alert-walt-disney-world-now-offers-date-based-ticketing/) - Walt Disney World just changed the types of park tickets it offers. Here's what you need to know about fixed-date and flexible date tickets moving forward.
- [Xfinity Mobile Review: A Frugal but Powerful Service](https://www.richmondsavers.com/the-case-for-and-against-xfinity-mobile/) - Xfinity Mobile just launched and it may be a great deal for some. Pay just $12 per gig of data, and talk/text is free. Here are the pros and cons to consider.
- [How a Family of Four with a $100,000 Yearly Income Pays only $6,252 in Federal Income Tax](https://www.richmondsavers.com/how-a-family-of-four-with-a-100000-yearly-income-pays-only-6400-in-federal-income-tax/) - A look at how a family with $100,000 of income only pays $6,252 in federal income tax, including a look at marginal tax rates and brackets.
- [April Frugal Challenge: Spend $0 on Lunches Out](https://www.richmondsavers.com/april-frugal-challenge-spend-0-on-lunches-out/) - Here is the April Frugal Challenge...The task is simple...make it through April without spending money on lunch out. Don't be a sucker for lunches over $5.
- [How to Stack Credit Card Rewards and a Health Savings Account (HSA)](https://www.richmondsavers.com/how-to-stack-credit-card-rewards-and-a-health-savings-account-hsa/) - If you have an HSA you can pay for your medical expenses with a credit card and then reimburse yourself with the HSA. This allows you to earn points & save.
- [Walt Disney World Dolphin Hotel Increased to Category 5 Property](https://www.richmondsavers.com/walt-disney-world-dolphin-hotel-increased-to-category-5-property/) - The Walt Disney World Dolphin Hotel is one of our favorites, but redeeming points there just got more expensive. Here are some creative workarounds worth using.
- [How I'm Eating a Healthy Lunch for $1 Per Day](https://www.richmondsavers.com/how-im-eating-a-healthy-lunch-for-1-per-day/) - I finally started meal planning, and it's literally paying off. Here's the exact plan I'm using to eat lunch for $1 per day. It's healthy and easy to make.
- [February Frugal Challenge: Set a Net Worth Goal and Plan for Taxes](https://www.richmondsavers.com/february-frugal-challenge-set-a-net-worth-goal-and-plan-for-taxes/) - With only 28 days this month, we couldn't give you a hard challenge. This one is simple but important. Make a goal for your net worth/savings and plan for tax season.
- [January Frugal Challenge: Clean Out Your Pantry and Freezer](https://www.richmondsavers.com/january-frugal-challenge-clean-out-your-pantry-and-freezer/) - Join the January challenge. It's simple: declutter your pantry and freezer by, you know, actually eating the food in there to save money on groceries.
- [6 Lessons I Learned from my United Award Booking to China](https://www.richmondsavers.com/6-lessons-i-learned-from-my-united-award-booking-to-china/) - I recently booked an award flight to China with United miles, and it was a little complicated. Here are six important lessons I picked up along the way.
- [Why We Cut the Cord (Again)](https://www.richmondsavers.com/why-we-cut-the-cord-again/) - We didn't have cable until Comcast lured us back with a special promo. But we just cut the cord again and aren't looking back. Here's why and how we did it.
- [The Easy Way to Find Out When You Opened a Credit Card (Using Credit Karma)](https://www.richmondsavers.com/the-easy-way-to-find-out-when-you-opened-a-credit-card-using-credit-karma/) - Need to know when you opened a credit card? Don't worry about calling customer service. It's incredibly fast and simple to find the info in Credit Karma.
- [It’s Official, My Cell Phone Bill is $1.87](https://www.richmondsavers.com/its-official-my-cell-phone-bill-is-1-87/) - I think that I've found the best price available for a cell phone plan. After my first month, my bill was $1.87, and I couldn't be happier about the savings.
- [Frugal Challenge: Don't Use Cell Data for an Entire Month](https://www.richmondsavers.com/frugal-challenge-dont-use-cell-data-for-an-entire-month/) - I'm giving up cell phone data. My life is less stressful, I'm saving money, and wifi is always there when I need it. Will you join me for one month?
- [Why YOU Should Earn the Southwest Companion Pass](https://www.richmondsavers.com/why-you-should-earn-the-southwest-companion-pass/) - The Southwest Companion Pass is one of the most lucrative travel rewards out there, but how do you earn it? Read this post for the details.
- [5 Technology Hacks for Travelers](https://www.richmondsavers.com/5-technology-hacks-for-travelers/) - Whether you travel on a whim or for months at a time, you need the right gadgets to make the trip more enjoyable. Here are some tips from Laptop Ninja.
- [My Visit to the Capital One Banking Reimagined Tour and Café at Short Pump Town Center](https://www.richmondsavers.com/my-visit-to-the-capital-one-banking-reimagined-tour-and-cafe-at-short-pump-town-center/) - I visited the Capital One Banking Reimagined Tour at the Short Pump Town Center in Richmond, VA on Saturday March 18th as part of their ten-city tour. It was an impressive operation – they had an entire exhibit setup at the entrance of the mall to draw people in and there were at least a
- [How I’m Saving at Least $1,000 on my Cell Phone Bill with Republic Wireless](https://www.richmondsavers.com/how-im-saving-at-least-1000-on-my-cell-phone-bill-with-republic-wireless/) - Why waste money on expensive cell service when there are cheap options like Republic Wireless and WiFi is everywhere? WiFi = FREE data, so stop paying for it.
- [A Family Vacation in Washington, DC that WON’T Break the Bank](https://www.richmondsavers.com/a-family-vacation-in-washington-dc-that-wont-break-the-bank/) - Here's how to take your family on a fun getaway to DC without spending too much. We cover cheap hotels near the metro plus free family-friendly activities.
- [Family Travel is...Nearly Free](https://www.richmondsavers.com/family-travel-is-nearly-free/) - I was part of a fun series where I was asked to fill in the blank for "Family Travel Is..." You can see my answer and learn more about the full series here.
- [Meet Thomas, our New Richmond Savers Contributor](https://www.richmondsavers.com/meet-thomas-our-new-richmond-savers-contributor/) - Today, we are welcoming Thomas to the site, where he will be an active contributor in the coming months. It's nice to have a new frugal voice around here!
- [Make Travel Blackout Dates a Thing of the Past](https://www.richmondsavers.com/make-travel-blackout-dates-a-thing-of-the-past/) - Richmond Savers looks at the top airline and hotel rewards programs to use for easy availability and zero blackout dates.
- [Travel Rewards: Two Free Boston to Dublin Round-Trip Flights with One Credit Card Signup](https://www.richmondsavers.com/travel-rewards-two-free-boston-to-dublin-round-trip-flights-with-one-credit-card-signup/) - The best secret tips to fly for free round-trip from Boston to Dublin using the British Airways Visa Signature credit card.
- [So, We Bought a Hot Tub…](https://www.richmondsavers.com/so-we-bought-a-hot-tub/) - We bought an inflatable hot tub for our family and it only cost $270 -- a savings of over $4,000 over other options, which is perfect for a frugal family.
- [Our Dilemma: To Buy the “Perfect” House or Not?](https://www.richmondsavers.com/our-dilemma-to-buy-the-perfect-house-or-not/) - Our struggle with whether to buy a new house that's "perfect" for us or stay in our old home to better pursue financial independence.
- [Simplest Way to Europe with Points: Use United Miles on Lufthansa](https://www.richmondsavers.com/simplest-way-to-europe-with-points-use-united-miles-on-lufthansa/) - One of the easiest ways to travel to Europe with miles and points is by using United Airlines miles on alliance partner Lufthansa. This video shows you how.
- [How Much Does Your Car Payment Really Cost You?](https://www.richmondsavers.com/how-much-does-your-car-payment-really-cost-you/) - Our look at how much having a monthly car payment costs you over a 45-year working life. With compounding, our analysis says it is over $700,000!
- [Travel Rewards: Free New York to Bermuda Vacation in Style](https://www.richmondsavers.com/travel-rewards-free-new-york-to-bermuda-vacation-in-style/) - This post shows how you can get a $4,000+ vacation from New York to Bermuda for free using credit card rewards points.
- [Using British Airways Avios Points for Amazing Reward Values](https://www.richmondsavers.com/using-british-airways-avios-points-for-amazing-reward-values/) - The benefits of using British Airways Avios points for travel rewards redemptions in the United States, the Caribbean and Central America.
- [Beginner's Guide: Best Hotel Loyalty Programs Part One](https://www.richmondsavers.com/beginners-guide-best-hotel-loyalty-programs-part-one/) - All hotel loyalty programs are not created equal. Read more about the best hotel loyalty programs and all the perks they have to offer when using points.
- [Book Your Next Trip To Mexico With Southwest](https://www.richmondsavers.com/book-your-next-trip-to-mexico-with-southwest/) - Southwest Airlines is the easiest of all the rewards programs to use miles and now they are even better since they fly to Mexico and the Caribbean.
- [How to Book a Free Stopover using United Miles](https://www.richmondsavers.com/how-to-book-a-free-stopover-using-united-miles/) - Video guide to book a free stopover using United Airlines frequent flyer miles on an international round trip award booking.
- [What Are The Best Ways To Get To Europe With Points?](https://www.richmondsavers.com/what-are-the-best-ways-to-get-to-europe-with-points/) - Racking up miles and points is the easy part but do you know how to redeem them? Flying to Europe can be costly but using our tips, you can get there for next to nothing!
- [5 Ways To Prevent Your Miles And Points From Expiring](https://www.richmondsavers.com/5-ways-to-prevent-your-miles-and-points-from-expiring/) - Frequent travelers know how easy it is to rack up miles and points but did you know that there are also easy ways to prevent them from expiring?
- [Beginner's Guide: Best Hotel Loyalty Programs Part Two](https://www.richmondsavers.com/beginners-guide-best-hotel-loyalty-programs-part-two/) - Read part two of our best hotel loyalty programs guide for the pros and cons of each program including Club Carlson, Hilton and Marriott.
- [NYC to Portugal to Thailand and Back for $120!](https://www.richmondsavers.com/nyc-to-portugal-to-thailand-and-back-for-120/) - How to use travel rewards and frequent flyer miles to to from the US to Europe to Asia for only 80,000 points and $120!
- [Planning our Free Family Trip to Disney World](https://www.richmondsavers.com/planning-our-free-family-trip-to-disney-world/) - Info on how we planned our free trip for four to Walt Disney World, including hotel, airfare and tickets by maximizing credit card rewards.
- [An Introduction to Maximizing Travel Rewards](https://www.richmondsavers.com/an-introduction-to-maximizing-travel-rewards/) - Learn all about 'travel hacking' -- the art of earning hundreds of thousands of airline miles and hotel points to travel the world for free.
- [How Much Money Do You Actually Need to Retire?](https://www.richmondsavers.com/how-much-money-do-you-actually-need-to-retire/) - This article looks at how much money you actually need to retire when you keep your expenses low and save a significant amount of your income.
- [The Best Miles Redemption Of All Time](https://www.richmondsavers.com/the-best-miles-redemption-of-all-time/) - The Boston to Dublin award flight using British Airways Avios is the best award redemption, especially when you upgrade to business class for 12,500 miles.
- [Use the Public Library to Save Thousands of Dollars](https://www.richmondsavers.com/use-the-public-library-to-save-thousands-of-dollars/) - Article details reasons to use your local public library to save thousands of dollars and to limit clutter in your house.
- [Welcome NBC 12 ‘More Bang for Your Buck’ Viewers](https://www.richmondsavers.com/welcome-nbc-12-more-bang-for-your-buck-viewers/) - RichmondSavers.com welcomes the NBC 12 More Bang for Your Buck viewers to the site after watching the television segments featuring the site.
- [What is Net Worth and Why is it Important?](https://www.richmondsavers.com/what-is-net-worth-and-why-is-it-important/) - A real world background on what the term "net worth" really means and how it impacts your life.
- [The Power of a Saved Dollar](https://www.richmondsavers.com/the-power-of-a-saved-dollar/) - RichmondSavers.com's look at what it means to save money -- reduced stress, increased control over your life and earlier financial independence.
- [Tips on How to Walk 10,000 Steps a Day](https://www.richmondsavers.com/tips-on-how-to-walk-10000-steps-a-day/) - Tips and tricks on how and why you should walk 10,000 steps each day using a pedometer
- [Time Is Your Most Valuable Resource](https://www.richmondsavers.com/time-is-your-most-valuable-resource/) - A look at how time is the single most valuable resource you have and how it relates to personal finance and early retirement. Take back your time!
- [The Most Important Question: Is This Useful?](https://www.richmondsavers.com/the-most-important-question-is-this-useful/) - An important question to ask yourself both financially and mentally: Is This Useful? Deals with positive psychology and meditation and the impact on happiness.
- [The Miracle of Compound Interest](https://www.richmondsavers.com/the-miracle-of-compound-interest/) - We look at the concept of compound interest and run through examples showing just how amazing and miraculous a mathematical concept it really is.
- [The Impact of Prepaying your Mortgage Principal Each Month](https://www.richmondsavers.com/the-impact-of-prepaying-your-mortgage-principal-each-month/) - Article covers the value of prepaying your mortgage each month by even a small $100-200 amount with examples of the number of years and total interest saved.
- [Term Life Insurance is the Best Bet for Your Family](https://www.richmondsavers.com/term-life-insurance-is-the-best-bet-for-your-family/) - A detailed explanation on why you should purchase term life insurance, including some tips and things to look out for as you shop for term life.
- [Stress-Free Cooking Installment 5: Mexican Shredded Chicken](https://www.richmondsavers.com/stress-free-cooking-installment-5-mexican-shredded-chicken/) - A delicious and easy Mexican shredded chicken recipe that is inexpensive and delicious. Makes many meals for only about $6 total cost.
- [Stress-Free Cooking Installment 4: Chicken Marsala](https://www.richmondsavers.com/stress-free-cooking-installment-4-chicken-marsala/) - Here's a delicious, easy and inexpensive chicken marsala recipe as part of our stress-free cooking series.
- [Stress-Free Cooking Installment 3: Cauliflower Pepperoni Pasta](https://www.richmondsavers.com/stress-free-cooking-installment-3-cauliflower-pepperoni-pasta/) - A recipe for one of the easiest and most delicious meals you'll make at home: Cauliflower Pepperoni Pasta.
- [Stress-Free Cooking Installment 2: Gourmet Sloppy Joes](https://www.richmondsavers.com/stress-free-cooking-installment-2-gourmet-sloppy-joes/) - 2nd installment in our series of easy, inexpensive and delicious meals to make at home: Gourmet Sloppy Joes!
- [Stress-Free Cooking Installment 1: Soy Chicken Recipe](https://www.richmondsavers.com/stress-free-cooking-installment-1-soy-chicken-recipe/) - RichmondSavers.com's look at stress-free cooking; this recipe is for a delicious and easy soy chicken dinner recipe.
- [Simplify Your Way to a Happier and More Efficient Life](https://www.richmondsavers.com/simplify-your-way-to-a-happier-and-more-efficient-life/) - Tips to simplify and automate your life to make things easier, free up time and reduce stress.
- [Save at Least 20% of your Income to Live Within your Means](https://www.richmondsavers.com/save-at-least-20-of-your-income-to-live-within-your-means/) - RichmondSavers.com's opinion on the percentage of your salary necessary to save in order to live within your means. We recommend at least 20% total.
- [Quick Tips: What is an ETF?](https://www.richmondsavers.com/quick-tips-what-is-an-etf/) - Explains what an ETF (exchange traded fund) is and details the differences between an ETF and a mutual fund
- [Quick Tips:  Tax Credits and Tax Deductions Explained](https://www.richmondsavers.com/quick-tips-tax-credits-and-tax-deductions-explained/) - An explanation of the differences between a tax credit and a tax deduction, which are two of the most important tax concepts to understand.
- [Quick Tips: Roth-IRAs for Children](https://www.richmondsavers.com/quick-tips-roth-iras-for-children/) - Tips on how to contribute to a Roth-IRA for children as young as age 13.
- [Quick Tips:  Prepaid Legal Benefits Plan](https://www.richmondsavers.com/quick-tips-prepaid-legal-benefits-plan/) - Tip on how to maximize the prepaid legal benefits plan that your employer offers as part of your open-enrollment
- [Quick Tips:  AnnualCreditReport.com for Three Free Credit Reports Per Year](https://www.richmondsavers.com/quick-tips-annualcreditreport-com-for-three-free-credit-reports-per-year/) - Use the official AnnualCreditReport.com website for truly free credit reports each year.
- [Our $22.40 Florida Spring Training Getaway](https://www.richmondsavers.com/our-22-40-florida-spring-training-getaway/) - How we're taking a trip to Florida to see the New York Mets spring training baseball using miles and points for just $22.40.
- [How much are you Spending Each Year on Gifts?](https://www.richmondsavers.com/how-much-are-you-spending-each-year-on-gifts/) - This article looks at how much people needlessly spend each year on gifts for their spouse. It can add up to almost $3,000 for an average family.
- [Lending Club for Fun and Profit](https://www.richmondsavers.com/lending-club-for-fun-and-profit/) - Our review of the Lending Club Peer-to-Peer lending platform including tips and tricks as well as the filters we use to maximize returns.
- [How we each only spend $4 a Month on Cell Phones](https://www.richmondsavers.com/how-we-each-only-spend-4-a-month-on-cell-phones/) - Details and tips on how we only spend $4 each a month to get fully functional cell phone service as well as other ways to save on cell service.
- [True Life: I Went to a Small College - and Was Still Successful](https://www.richmondsavers.com/i-went-to-a-small-college/) - I went to a small college and still managed to find success after graduation. With the big universities, sometimes you're just paying for the brand name.
- [Five Simple Ways to Lose Weight and Save Money](https://www.richmondsavers.com/five-simple-ways-to-lose-weight-and-save-money/) - Five simple tips to lose weight and save money in the process without dramatically changing your lifestyle.
- [Beginner’s Guide to Saving Money](https://www.richmondsavers.com/beginners-guide-to-saving-money/) - The RichmondSavers.com Beginner's Guide to Saving Money discusses the importance of saving along with many tips to get you on your way to financial freedom.
- [Ask the Readers: How do you Teach your Children about Money?](https://www.richmondsavers.com/ask-the-readers-how-do-you-teach-your-children-about-money/) - This article explores the concept of teaching young children about money and the important of saving and giving to charity through a small allowance.
- [A Realistic Look at Ideal Days in Our Future Financially Independent Life](https://www.richmondsavers.com/a-realistic-look-at-ideal-days-in-our-future-financially-independent-life/) - A look at how the RichmondSavers.com family would spend our ideal days when we are financially independent and able to retire in the traditional sense.
- [A Lifetime of Financial Advice in your Wallet](https://www.richmondsavers.com/a-lifetime-of-financial-advice-in-your-wallet/) - One index card worth of financial advice to last a lifetime -- from RichmondSavers.com
- [Saving Money with Amazon Prime and Subscribe & Save](https://www.richmondsavers.com/saving-money-with-amazon-prime-and-subscribe-save/) - Review of both Amazon Prime and Amazon Subscribe & Save and how we're using these programs to save money.
- [How To Get 5 Star Treatment On Your Honeymoon](https://www.richmondsavers.com/how-to-get-5-star-treatment-on-your-honeymoon/) - Follow our tips and make sure that your honeymoon is one you'll never forget. Champagne, chocolates and pastries await you if you know how to ask.
- [How we Saved $7,017 on our 15-night Honeymoon In Europe With Miles And Points](https://www.richmondsavers.com/how-we-saved-7017-on-our-15-night-honeymoon-in-europe-with-miles-and-points/) - Explains how we used miles and points to save over $7,000 on our 15-night dream honeymoon to Europe!
- [The What, Why, and How of Saving for a Down Payment on a Home](https://www.richmondsavers.com/saving-for-down-payment-on-a-home/) - Ready for home ownership? Before you start browsing through real estate listings, consider the what, why, and how of saving for a down payment on a home.
- [Top 10 Personal Finance Lessons Learned from Medical Training](https://www.richmondsavers.com/top-10-personal-finance-lessons-learned-from-medical-training/) - Guest post from Dr. Alexi Zemsky of Miles Dividend M.D. talking about the top 10 personal finance lessons learned from his medical training.
- [Healthier Living with just a 7-Minute Workout](https://www.richmondsavers.com/healthier-living-with-just-a-7-minute-workout/) - Review of the NY Times 7-Minute Workout as well as a link to a YouTube video that makes it easy to follow.
- [Net Worth Tracking - 2nd Quarter 2013](https://www.richmondsavers.com/net-worth-tracking-2nd-quarter-2013/) - Information on how to track your net worth on a quarterly basis and our update on the state of our 2nd quarter.

## Pages

- [Home](https://www.richmondsavers.com/) - We'll show you how to save money and maximize smart credit card rewards strategies to travel the world and take dream vacations for pennies on the dollar.
- [Disney Testimonials](https://www.richmondsavers.com/disney-testimonials/) - Read just a few comments we've gotten from people who have gone to Disney for (nearly) free with our program and coaching. We would love to help you too!
- [Checklist](https://www.richmondsavers.com/checklist/) - RichmondSavers.com's checklist of financial 'to do' items on your way to financial freedom
- [Our Philosophy](https://www.richmondsavers.com/the-rules/) - RichmondSavers.com's Financial Rules to live by to get rich and live with less stress.
- [Our Beginner's Guide to Credit Card Rewards for Cash Back or Travel](https://www.richmondsavers.com/guides/our-beginners-guide-to-credit-card-rewards-for-cash-back-or-travel/) - Here's everything you ever wanted to know about credit card rewards, wrapped up in one easy-to-follow guide. Now get out there and start earning some points.
- [The Offer You Are Looking for Is No Longer Available](https://www.richmondsavers.com/expired-offer/) - Sorry about that! You reached this page because you clicked on a link that goes to a credit card offer that is no longer available. We are updating out site to reflect this new change.
- [Guides](https://www.richmondsavers.com/guides/) - Check out our best guides here, which give you step-by-step instructions to help you save money. We cover creative financial strategies including, CC rewards.
- [Disney Q&A: Ellen and Kevin](https://www.richmondsavers.com/disney-qa-ellen-and-kevin/) - Ellen and Kevin used our plan and coaching to take MULTIPLE free trips to Disney World. Hear how they did it and learn why they love the Richmond Savers plan!
- [Redirecting to Barclaycard Arrival Plus...](https://www.richmondsavers.com/go/bapgwl/)
- [Contact](https://www.richmondsavers.com/contact/) - We love hearing from readers & anyone else who wants to drop a line.. Just fill out this short form to ask a question or submit feedback, and we'll be in touch.
- [Airline & Hotel Rewards Program Sign-up Links](https://www.richmondsavers.com/airline-hotel-rewards-program-sign-up-links/) - Here are links to some of the top loyalty and rewards programs. Our list covers airlines and hotels. Any frequent traveler should become familiar with the list.
- [About RichmondSavers.com](https://www.richmondsavers.com/about/) - We're Brad and Laura Barrett, two CPAs who love saving money, making more money, and traveling the world for nearly free. We hope you'll join our community!
- [Article List](https://www.richmondsavers.com/article-list/) - The full list of articles published on RichmondSavers.com
- [Privacy Policy & Terms](https://www.richmondsavers.com/privacy-policy/) - RichmondSavers.com takes your privacy seriously. This privacy policy describes what personal information we collect and how we use it. Routine Information Collection All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. None of this information can personally identify specific
- [We Recommend](https://www.richmondsavers.com/we-recommend/) - Our page of financial product and services recommendations both locally in Richmond, VA and on the internet.

## Landing Pages

- [disney-checklist-download-offer-facebook](https://www.richmondsavers.com/disney-checklist-download-offer-facebook/)
- [great-wolf-lodge-email-course](https://www.richmondsavers.com/great-wolf-lodge-email-course/)
- [disney-checklist-download-facebook-confirmation](https://www.richmondsavers.com/disney-checklist-download-facebook-confirmation/)
- [great-wolf-lodge-email-confirmation](https://www.richmondsavers.com/great-wolf-lodge-email-confirmation/)
- [/rva-disney-thank-you](https://www.richmondsavers.com/rva-disney-thank-you/)
- [/rvadisney1](https://www.richmondsavers.com/rvadisney1/)
- [/disney-travel-rewards-checklist](https://www.richmondsavers.com/disney-travel-rewards-checklist/)
- [/disney-world-guide-and-tutorials-purchase-download](https://www.richmondsavers.com/disney-world-guide-and-tutorials-purchase-download/)
- [/walt-disney-course-sales-page](https://www.richmondsavers.com/walt-disney-course-sales-page/)
- [/disney-world-checklist-confirmation](https://www.richmondsavers.com/disney-world-checklist-confirmation/)
- [/disney-world-personalized-plan-purchase-download](https://www.richmondsavers.com/disney-world-personalized-plan-purchase-download/)
- [/disney-world-guide-unlimited-support-download](https://www.richmondsavers.com/disney-world-guide-unlimited-support-download/)
- [/disney-world-guide-purchase-download](https://www.richmondsavers.com/disney-world-guide-purchase-download/)
- [/disney-world-vacation-signup](https://www.richmondsavers.com/disney-world-vacation-signup/)
- [/disney-course-sales-page](https://www.richmondsavers.com/disney-course-sales-page/)
- [/disney-travel-rewards-report-2](https://www.richmondsavers.com/disney-travel-rewards-report-2/)
- [/disney-travel-rewards-report-460-tickets](https://www.richmondsavers.com/disney-travel-rewards-report-460-tickets/)
- [/disney-world-460-savings-confirmation](https://www.richmondsavers.com/disney-world-460-savings-confirmation/)
- [/disney-travel-rewards-report-credit-cards](https://www.richmondsavers.com/disney-travel-rewards-report-credit-cards/)
- [/disney-travel-rewards-report-hotel](https://www.richmondsavers.com/disney-travel-rewards-report-hotel/)
- [/disney-travel-rewards-report-flight](https://www.richmondsavers.com/disney-travel-rewards-report-flight/)
- [/walt-disney-world-article-confirmation](https://www.richmondsavers.com/walt-disney-world-article-confirmation/)
- [/walt-disney-world-guide-confirmation](https://www.richmondsavers.com/walt-disney-world-guide-confirmation/)
- [/disney-world-guide-confirmation](https://www.richmondsavers.com/disney-world-guide-confirmation/)
- [/disney-guide](https://www.richmondsavers.com/disney-guide/)
- [/hawaii-guide-email-confirmation](https://www.richmondsavers.com/hawaii-guide-email-confirmation/)
- [/hawaii-email-confirmation](https://www.richmondsavers.com/hawaii-email-confirmation/)
- [/budgets-list-confirmation-page](https://www.richmondsavers.com/budgets-list-confirmation-page/)
- [/disney-guide-email-confirmation](https://www.richmondsavers.com/disney-guide-email-confirmation/)
- [/confirmation-disney-rewards](https://www.richmondsavers.com/confirmation-disney-rewards/)
- [/disney-world-vacation-coaching-signup](https://www.richmondsavers.com/disney-world-vacation-coaching-signup/)
- [Auto Draft](https://www.richmondsavers.com/Auto Draft/)
- [Auto Draft](https://www.richmondsavers.com/Auto Draft/)

## Categories

- [Credit Cards](https://www.richmondsavers.com/category/credit-cards/)
- [Financial Accounts](https://www.richmondsavers.com/category/financial-accounts/)
- [Financial Terms](https://www.richmondsavers.com/category/financial-terms/)
- [General](https://www.richmondsavers.com/category/general/)
- [Health & Lifestyle](https://www.richmondsavers.com/category/health/)
- [Investing](https://www.richmondsavers.com/category/investing/)
- [Money Saving Tips](https://www.richmondsavers.com/category/money-saving-tips/)
- [Mortgage](https://www.richmondsavers.com/category/mortgage/)
- [Taxes](https://www.richmondsavers.com/category/taxes/)
- [Travel Hacking](https://www.richmondsavers.com/category/travel-hacking/)
- [Quick Tips](https://www.richmondsavers.com/category/quick-tips/)
- [Travel Rewards](https://www.richmondsavers.com/category/travel-rewards/)
- [Recipes](https://www.richmondsavers.com/category/recipes-2/)
- [Travel Tips](https://www.richmondsavers.com/category/travel-tips-2/)
- [Guest Posts](https://www.richmondsavers.com/category/guest-posts/)

## Tags

- [assets](https://www.richmondsavers.com/tag/assets/)
- [credit cards](https://www.richmondsavers.com/tag/credit-cards-2/)
- [fitbit](https://www.richmondsavers.com/tag/fitbit/)
- [guide to saving money](https://www.richmondsavers.com/tag/guide-to-saving-money/)
- [health](https://www.richmondsavers.com/tag/health-2/)
- [library](https://www.richmondsavers.com/tag/library/)
- [life insurance](https://www.richmondsavers.com/tag/life-insurance/)
- [money saving tips](https://www.richmondsavers.com/tag/money-saving-tips-2/)
- [net worth](https://www.richmondsavers.com/tag/net-worth/)
- [pedometer](https://www.richmondsavers.com/tag/pedometer/)
- [richmond savers](https://www.richmondsavers.com/tag/richmond-savers/)
- [saving money](https://www.richmondsavers.com/tag/saving-money/)
- [term life insurance](https://www.richmondsavers.com/tag/term-life-insurance/)
- [travel](https://www.richmondsavers.com/tag/travel/)
- [disney world](https://www.richmondsavers.com/tag/disney-world/)
- [starwood](https://www.richmondsavers.com/tag/starwood/)
- [southwest](https://www.richmondsavers.com/tag/southwest/)
- [lending club](https://www.richmondsavers.com/tag/lending-club/)
- [p2p lending](https://www.richmondsavers.com/tag/p2p-lending/)
- [peer to peer lending](https://www.richmondsavers.com/tag/peer-to-peer-lending/)
- [investing](https://www.richmondsavers.com/tag/investing-2/)
- [efficiency](https://www.richmondsavers.com/tag/efficiency/)
- [time saving](https://www.richmondsavers.com/tag/time-saving/)
- [automate](https://www.richmondsavers.com/tag/automate/)
- [save money](https://www.richmondsavers.com/tag/save-money/)
- [net worth tracking](https://www.richmondsavers.com/tag/net-worth-tracking-2/)
- [lose weight](https://www.richmondsavers.com/tag/lose-weight/)
- [cell phones](https://www.richmondsavers.com/tag/cell-phones/)
- [saving money tips](https://www.richmondsavers.com/tag/saving-money-tips/)
- [quick tips](https://www.richmondsavers.com/tag/quick-tips-2/)
- [prepaid legal](https://www.richmondsavers.com/tag/prepaid-legal/)
- [will](https://www.richmondsavers.com/tag/will/)
- [trust](https://www.richmondsavers.com/tag/trust/)
- [spg](https://www.richmondsavers.com/tag/spg/)
- [etf](https://www.richmondsavers.com/tag/etf/)
- [taxes](https://www.richmondsavers.com/tag/taxes-2/)
- [tax credits](https://www.richmondsavers.com/tag/tax-credits/)
- [tax deductions](https://www.richmondsavers.com/tag/tax-deductions/)
- [roth ira](https://www.richmondsavers.com/tag/roth-ira/)
- [mortgage](https://www.richmondsavers.com/tag/mortgage-2/)
- [prepay mortgage](https://www.richmondsavers.com/tag/prepay-mortgage/)
- [tax rates](https://www.richmondsavers.com/tag/tax-rates/)
- [tax brackets](https://www.richmondsavers.com/tag/tax-brackets/)
- [credit report](https://www.richmondsavers.com/tag/credit-report/)
- [credit](https://www.richmondsavers.com/tag/credit/)
- [saving](https://www.richmondsavers.com/tag/saving/)
- [exercise](https://www.richmondsavers.com/tag/exercise/)
- [workout](https://www.richmondsavers.com/tag/workout/)
- [compound interest](https://www.richmondsavers.com/tag/compound-interest/)
- [interest](https://www.richmondsavers.com/tag/interest/)
- [travel rewards](https://www.richmondsavers.com/tag/travel-rewards-2/)
- [amazon](https://www.richmondsavers.com/tag/amazon/)
- [amazon prime](https://www.richmondsavers.com/tag/amazon-prime/)
- [financial rules](https://www.richmondsavers.com/tag/financial-rules/)
- [hyatt](https://www.richmondsavers.com/tag/hyatt/)
- [disney](https://www.richmondsavers.com/tag/disney/)
- [barclaycard](https://www.richmondsavers.com/tag/barclaycard/)
- [british airways](https://www.richmondsavers.com/tag/british-airways/)
- [car payment](https://www.richmondsavers.com/tag/car-payment/)
- [car loan](https://www.richmondsavers.com/tag/car-loan/)
- [honeymoon](https://www.richmondsavers.com/tag/honeymoon/)
- [nbc](https://www.richmondsavers.com/tag/nbc/)
- [press](https://www.richmondsavers.com/tag/press/)
- [vanguard](https://www.richmondsavers.com/tag/vanguard/)
- [investment expenses](https://www.richmondsavers.com/tag/investment-expenses/)
- [cooking](https://www.richmondsavers.com/tag/cooking/)
- [recipes](https://www.richmondsavers.com/tag/recipes/)
- [gifts](https://www.richmondsavers.com/tag/gifts/)
- [gift giving](https://www.richmondsavers.com/tag/gift-giving/)
- [food](https://www.richmondsavers.com/tag/food/)
- [aer lingus](https://www.richmondsavers.com/tag/aer-lingus/)
- [dublin](https://www.richmondsavers.com/tag/dublin/)
- [free flights](https://www.richmondsavers.com/tag/free-flights/)
- [travel tips](https://www.richmondsavers.com/tag/travel-tips/)
- [bermuda](https://www.richmondsavers.com/tag/bermuda/)
- [retirement](https://www.richmondsavers.com/tag/retirement/)
- [retirement calculator](https://www.richmondsavers.com/tag/retirement-calculator/)
- [early retirement](https://www.richmondsavers.com/tag/early-retirement/)
- [avios](https://www.richmondsavers.com/tag/avios/)
- [guest posts](https://www.richmondsavers.com/tag/guest-posts-2/)
- [personal finance](https://www.richmondsavers.com/tag/personal-finance/)
- [blackout dates](https://www.richmondsavers.com/tag/blackout-dates/)
- [financial independence](https://www.richmondsavers.com/tag/financial-independence/)
- [credit card rewards](https://www.richmondsavers.com/tag/credit-card-rewards/)
- [college](https://www.richmondsavers.com/tag/college/)
- [college savings](https://www.richmondsavers.com/tag/college-savings/)
- [happiness](https://www.richmondsavers.com/tag/happiness/)
- [meditation](https://www.richmondsavers.com/tag/meditation/)
- [usefullness](https://www.richmondsavers.com/tag/usefullness/)
- [allowance](https://www.richmondsavers.com/tag/allowance/)
- [teaching about money](https://www.richmondsavers.com/tag/teaching-about-money/)
- [pmi](https://www.richmondsavers.com/tag/pmi/)
- [down payment](https://www.richmondsavers.com/tag/down-payment/)
- [time](https://www.richmondsavers.com/tag/time/)
- [resources](https://www.richmondsavers.com/tag/resources/)
- [travel rewards 101](https://www.richmondsavers.com/tag/travel-rewards-101/)
- [hotel loyalty programs](https://www.richmondsavers.com/tag/hotel-loyalty-programs/)
- [british airways avios](https://www.richmondsavers.com/tag/british-airways-avios/)
- [fairmont](https://www.richmondsavers.com/tag/fairmont/)
- [united stopovers](https://www.richmondsavers.com/tag/united-stopovers/)
- [southwest companion pass](https://www.richmondsavers.com/tag/southwest-companion-pass/)
- [chase ultimate rewards](https://www.richmondsavers.com/tag/chase-ultimate-rewards/)
- [miles](https://www.richmondsavers.com/tag/miles/)
- [points](https://www.richmondsavers.com/tag/points/)
- [expiration](https://www.richmondsavers.com/tag/expiration/)
- [Online Shopping Portal](https://www.richmondsavers.com/tag/online-shopping-portal/)
- [US Airways](https://www.richmondsavers.com/tag/us-airways/)
- [Off-Peak](https://www.richmondsavers.com/tag/off-peak/)
- [Boston to Dublin](https://www.richmondsavers.com/tag/boston-to-dublin/)
- [Ultimate Rewards](https://www.richmondsavers.com/tag/ultimate-rewards/)
- [Berlin](https://www.richmondsavers.com/tag/berlin/)
- [Los Angeles](https://www.richmondsavers.com/tag/los-angeles/)
- [Chase UR](https://www.richmondsavers.com/tag/chase-ur/)
- [United](https://www.richmondsavers.com/tag/united/)
- [Europe](https://www.richmondsavers.com/tag/europe/)
- [Barclay Arrival Card](https://www.richmondsavers.com/tag/barclay-arrival-card/)
- [Capital One Venture Card](https://www.richmondsavers.com/tag/capital-one-venture-card/)
- [Chase Sapphire Preferred](https://www.richmondsavers.com/tag/chase-sapphire-preferred/)
- [Mexico](https://www.richmondsavers.com/tag/mexico/)
- [Cabo](https://www.richmondsavers.com/tag/cabo/)
- [Puerto Vallarta](https://www.richmondsavers.com/tag/puerto-vallarta/)
- [Mexico City](https://www.richmondsavers.com/tag/mexico-city/)
- [Cancun](https://www.richmondsavers.com/tag/cancun/)
- [free stopover](https://www.richmondsavers.com/tag/free-stopover/)
- [dream vacation](https://www.richmondsavers.com/tag/dream-vacation/)
- [florida](https://www.richmondsavers.com/tag/florida/)
- [american airlines](https://www.richmondsavers.com/tag/american-airlines/)
- [disneyland](https://www.richmondsavers.com/tag/disneyland/)
- [summer vacation](https://www.richmondsavers.com/tag/summer-vacation/)
- [san francisco](https://www.richmondsavers.com/tag/san-francisco/)
- [home buying](https://www.richmondsavers.com/tag/home-buying/)
- [hot tub](https://www.richmondsavers.com/tag/hot-tub/)
- [alaska airlines](https://www.richmondsavers.com/tag/alaska-airlines/)
- [london](https://www.richmondsavers.com/tag/london/)
- [paris](https://www.richmondsavers.com/tag/paris/)