this post was submitted on 03 Dec 2024
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What do you host for your finances and why! (lemmy.world)
submitted 1 day ago by ComradeMiao@lemmy.world to c/selfhosted@lemmy.world
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Inspired by a comment on my last post.

I feel like I never have a solution that allows me to control it while also being automated to such a degree that I don’t have a huge confusing backup if I don’t do finances for days or weeks.

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[–] sugar_in_your_tea@sh.itjust.works 2 points 14 hours ago

I mentioned it, but mostly signups bonuses.

For example, here are a few checking accounts I did recently:

  • US Bank - $450
  • Citi - $325
  • Wells Fargo - $325

I've closed Citi, but I'm keeping the others open for a bit before closing (branches are convenient for depositing checks around the holidays).

Likewise for credit cards, here are some I've done recently:

  • Bank of America Premium Rewards - ~$500 net after the annual fee - this is straight cash
  • US Bank Altitude Reserve - ~$650 net after annual fee; a little more complicated because i need to redeem for travel
  • Wells Fargo Active Cash - $200 straight cash

I actually use 2 banks (Fidelity brokerage for main, and US Bank for cash and zelle) and usually two credit cards (US Bank Altitude Reserve and some 2% card; was my Costco card and Citi double cash before I got the US Bank card). However, I have some category bonus cards I rotate in every so often, such as my Discover card, which is 5% at Amazon and Target through the end of the year.

Anyway, since I have so many accounts, I need something to keep track of them so I don't pay maintenance fees or miss a payment or something.

It sounds complicated, but I've automated pretty much everything, so I just check in every couple months or so. And I think it's worth the hassle because I make thousands every year on it.