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.

12/18/2025

If you’ve got young adults coming home for Christmas, this is the PERFECT time to set them up for financial success.

A responsible starter credit card can help them:
• begin building a strong credit history
• learn healthy spending habits
• earn rewards on money they’re already spending
• set themselves up for easier apartment approvals, better interest rates, and future travel opportunities

I always recommend starting with no-annual-fee beginner cards that are easy to keep long term, have simple earning structures, and reasonable minimum spends to meet.

And if your kids are under 18, and you have EXCELLENT credit yourself, add them as an authorized user (on a well-managed card) can give them a powerful head start.

This is one of the most meaningful “gifts” you can give your kids: confidence, stability, and future financial options.

🙋🏼‍♀️💳 If you want help choosing the right beginner cards comment CREDIT below and I’ll send you my recommendations.

Smart credit now = more freedom later.

12/17/2025

(Yes, I’ll take 70,000 points and the opportunity to earn a highly valuable free night certificate + $200 in hotel credits to offset the $150 annual fee.)

This is exactly how I think about upgrades — and why they can make sense long-term 👇

When I upgrade a card, it’s never random or impulsive.

Here’s my real process:

• I upgrade only when there’s a clear bonus or benefit attached

• I expect to pay the annual fee — that’s part of the plan, not a surprise

• I immediately map out how to use the benefits so the fee earns its keep

• I keep the card for the full year and actually use what I’m paying for

When that year is up, I reassess.

If there’s a strong retention offer that makes keeping the card worthwhile, I keep it.

If not, I downgrade — no stress, no credit pull, and no closing the account.

Then, when another upgrade opportunity makes sense down the road?

I do it again. 🔁

If you want to see the exact hotel card I just did this with (and why it made sense for me),

👉 comment “hotel” and I’ll send it to you.

12/12/2025

You can be the richest you’ve ever been too!

Using points and miles to pay for travel allows you to make memories with your family and see the world WHILE meeting your financial goals. 💰

Ever since I’ve started traveling more the need to fill my house and closet with THINGS has plummeted.

Instead of trolling Target, I’m looking for the next place I want to take my family and what we’ll do TOGETHER while we’re there. 🤍

Are you ready to be rich?

December 2024 is the time to manifest your life’s desires. You only live once is indeed the truth. ❤️

🤗 Comment START and I’ll message you you’re first step.

12/09/2025

💳✨ We ditched our debit cards, and now we travel the world on a teacher’s budget! 🌍✈️

Curious how we take $50K vacations each year using rewards points?

👇 Comment TRAVEL in the comments and get my FREE Beginner’s Guide to traveling for almost NOTHING!
. . . . . .

Hi, I’m Nicole! 👋 Wife, mom of two, and small-town girl from rural Missouri.

💕 My husband (also a teacher and coach) and I have built a debt-free life (aside from our mortgage!) and an 800+ credit score. 🏡

💳 We use points and miles to travel the world without breaking the bank!

✈️ Let me show you how you can do the same!

# PointsandMiles

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