Do you feel like your enthusiasm for points peaks at different points during the year? I find that I start off the calendar year with lots of excitement for using my miles and maximizing those points to access the most travel. Throughout the middle of the year, I’m changing up those plans as our family’s needs change. Then at the end of the year I focus on maximizing my points earned.

With so many credit cards in my wallet, sometimes I get the question “how do you decide which cards to use?”