Points and Miles Teachers

Points and Miles Teachers Welcome to our travel community! Discover how to see the world on a budget by using credit card points and miles. Let's explore the world together!

Ask any questions you have and share your own experiences with fellow travelers. Join us and get expert advice on traveling on points and miles.

09/07/2024
My mom and I took my son and daughter on a 9 day trip to Washington. 💰💰💰Flights, rental car, and lodging was $45 thanks ...
08/18/2024

My mom and I took my son and daughter on a 9 day trip to Washington.

💰💰💰Flights, rental car, and lodging was $45 thanks to points. 🎉

🌲 To learn how to travel like this, be sure to follow

My favorite hike was Silver Falls Loop, a 2.9 loop trail near Paradise. When the snow is melting and the water is roaring down the mountain, it cannot be beat.

Here are a few other great recommendations. 👇🏻

1. Skyline Trail: This 5.5-mile loop offers stunning views of Mount Rainier, wildflower meadows, and a chance to see wildlife.

2. Burroughs Mountain Trail: A moderately challenging 6.5-mile trail that provides panoramic views of the park and the surrounding mountains.

3. Grove of the Patriarchs: This easy 1.5-mile hike takes you through an ancient forest of towering trees, including Douglas firs and western red cedars.

4. Panorama Point: A shorter 5-mile round-trip hike offering breathtaking views of Mount Rainier and the surrounding valleys.

5. Spray Park: A 6.5-mile round-trip trail known for its vibrant wildflower displays and close-up views of Mount Rainier.

As for Gifford Pinchot National Forest, some popular hikes include:

1. Lava Canyon and Ape Cave: A unique 2.5-mile loop that takes you through a lava tube cave and along a trail with suspended bridges and waterfall views.

2. Siouxon Creek Trail: A 7.2-mile out-and-back trail leading to beautiful waterfalls, old-growth forests, and serene creeks.

3. Takhlakh Lake: A 3.4-mile loop trail offering stunning views of Mount Adams and access to a picturesque alpine lake.

4. Falls Creek Falls: A moderate 6-mile round-trip hike leading to a stunning 335-foot waterfall, making it a popular choice for hikers.

5. Silver Star Mountain: A challenging 8-mile loop trail known for its wildflower meadows, panoramic views, and the opportunity to spot wildlife.

These hikes offer a diverse range of experiences making both Mount Rainier National Park and Gifford Pinchot National Forest a fantastic destination for outdoor enthusiasts.

Hilton isn’t my go to hotel brand but I 💯 love it to fill in the gaps when booking Hyatt’s aren’t possible. Hilton also ...
07/30/2024

Hilton isn’t my go to hotel brand but I 💯 love it to fill in the gaps when booking Hyatt’s aren’t possible.

Hilton also has the best award night certificate redemption program IMO because you can use the certificate at extremely expensive properties! 🙌

Plus…you don’t get charged taxes or resort fees on point booking stays! Win!!! 🏆

What do you like about Hilton?

Hyatt is one of my favorite bank’s 14 transfer partners.Even though Hyatt’s global footprint is smaller than some other ...
07/18/2024

Hyatt is one of my favorite bank’s 14 transfer partners.

Even though Hyatt’s global footprint is smaller than some other brands, they have a fantastic presence in Hawaii!

Here are just a few of the properties you can book on points.

Since Hyatt doesn’t charge taxes or resort fees on points stays, your bill can literally end up being $0. 🤯

🥳 Comment “120k” for more info on the offer to get you the points you need to book your stay. PLUS, my free guide to transfer partners.

06/13/2024

Watch, follow, and discover more trending content.

I'll be working on card consultations this weekend! If you would like a free personalized plan emailed to you, here are ...
02/17/2024

I'll be working on card consultations this weekend! If you would like a free personalized plan emailed to you, here are the details.👇

Please know that I spend a good amount of time on this complimentary service.

Only complete the form if you plan to open a new card in the next week.

👇
https://deft-inventor-3590.ck.page/265b9f078c

02/15/2024
Ready to take a spring break adventure but want to drive and not be gone the entire break?I’ve got some ideas for you!Do...
02/14/2024

Ready to take a spring break adventure but want to drive and not be gone the entire break?

I’ve got some ideas for you!

Do me a favor! 👇🏻🩷

Drop your favorite recs in the comments. There are so many incredible ND, SD, and NE destinations that I didn’t have enough space to share.

(I’ll be sharing Minnesota, Michigan, Wisconsin, Illinois, Ohio, and Indiana later this week)

Part 1 was Missouri, Iowa, and Kansas

👋 Hi! Nicole here from Points and Miles Teachers. I teach 3rd grade in Missouri, and teaching is my jam!

Follow to learn how to leverage everyday budgeted expenses into nearly free travel.






Well, we officially sold our house. I tell you this because I know this account is about traveling with points and miles...
02/11/2024

Well, we officially sold our house.

I tell you this because I know this account is about traveling with points and miles, but I believe wholeheartedly that this account is rooted in financial choices and best practices.

I didn’t start REALLY learning about finances and investing until I was 35.

I didn’t REALLY learn about traveling with points and miles until I was 36, and with two little kids at home, I was trying to stretch teachers’ salaries to allow us to have more experiences.

It’s never too late to make small or big changes and learn something new.

You may prioritize paying for dinner on the road and annual fees over material things and more gifts to travel with your family.

You may be choosing to avoid lifestyle creep. I drive a 10-year-old car. It’s a fantastic car. She starts, she’s safe, and she’s fully paid for.

You pay your credit cards off in full and on time every month. Your points are actually a bonus and not a trade for horribly high interest rates.

We bought our house the year before we were married and brought our babies home there.

We were paying her off furiously to gain more equity in our home because we have been holding on to a DREAM.

We are making some of our life dreams come true and thanking the Lord for the equity in our house and not having other debt because the likelihood of them coming true seems to be happening.

That’s all. I just want to let you know that when I tell you to make smart financial decisions to take epic vacations for nearly free, it’s not just some tactic. I mean it in my entirety.

Thanks for being here! 💛
Nicole

Quick Notes: IHG1) Book 3 consecutive nights with points, and get the 4th night free!2) Almost 6,000 properties in more ...
02/08/2024

Quick Notes: IHG

1) Book 3 consecutive nights with points, and get the 4th night free!

2) Almost 6,000 properties in more than 100 countries around the world.

3) Two Opportunities to Earn an Annual Free Night Certificate

4) A bit more complicated to plan with points, but pricing has been said to have improved since the change to 100% dynamic pricing.

5) IHG is a transfer partner with the My Favorite Bank and Bilt.

😍 Do you stay at IHG properties? If so, which is your favorite?










If the money goes out of my house, you better believe it’s on a credit card. Now, very few times, I “pay to play,” meani...
01/24/2024

If the money goes out of my house, you better believe it’s on a credit card.

Now, very few times, I “pay to play,” meaning I will pay a small fee to charge a large expense to a credit card. It typically only happens when I have to have that everyday expected expense to meet a larger minimum spend and earn the welcome bonus. Then, the math makes sense to me.

Here are some everyday household expenses you should consider using to meet a minimum spend.

groceries & gas
electric, water & gas utilities
kids’ activities
daycare, then reimburse with FSA
medical & dental, then reimburse with HSA
car insurance (pay for 6 or 12 months at a time)
graduate tuition
property taxes & and homeowners insurance (I closed my escrow)
charitable giving
cell phone
internet & streaming
random expenses that pop up

👉 How do you meet large minimum spends?

Knowing what to do when your annual fee comes due again after the first FULL year of having a card can be confusing. Her...
01/17/2024

Knowing what to do when your annual fee comes due again after the first FULL year of having a card can be confusing.

Here’s some points and miles knowledge for ya! 👇🏻

What is a retention offer?

A retention offer is an offer made by the bank that offers you a point bonus in exchange for meeting a spend in a specific time frame. Much like a welcome bonus.

Other times a bank may offer to waive the annual fee.

American Express offers a secure chat feature you can use to request a retention offer. Other banks provide a secure message (much like email) inside your account, or you can call.

Keep the card if you find continued value.

Annual Free Night Certificate
Gains you access to transfer partners
Gains you access to airport lounges
Coverages include rental car collisions, lost luggage, travel cancellations, etc.

What is downgrading?

Downgrading your card is switching to another card offered by the same bank with a lower or no annual fee. This allows you to keep the line of credit open without paying as much for an annual fee.

Do you find this aspect of points and miles tricky? Let me know in the comments.

If you are new to points and miles, be sure to watch this 30 minute introduction masterclass. I go over the basics of po...
01/16/2024

If you are new to points and miles, be sure to watch this 30 minute introduction masterclass. I go over the basics of points and miles, as well as common mistakes to avoid when you are starting out.
Link to Class: https://deft-inventor-3590.ck.page/5033930916

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