Originally Posted by
peachfront
Promos and deals all cost way more money than applying for credit cards, so it doesn't make sense to chase miles in this fashion when you have so much student loan/medical school debt that you can't even apply for free credit cards. You can't ask for advice about to maximize miles accrual and then say, OH well, I'm not willing to do the one thing I can do on my budget that might actually bring in the miles.
My idea would be to forget about the miles and think of another way to get the trip. Maybe your mom can pay for the mother/daughter trip as a graduation gift since she is the one who gets to brag that her daughter is a doctor, while you're the one who will be swimming in six figure debt for the next few years? It's a thought. Nah, my mom wouldn't go for it either, but a lot of moms would.
I've twice redeemed for first class awards (once for me and my husband, once just for my own solo trip) to Costa Rica on Delta, so you can sometimes redeem contrary to what others report, but you need a lot of flexibility on the dates. But I'm not sure how important your choice of airline is, given that I doubt that this is the right hobby to take up at a time when your finances are fragile. Costa Rica will always be there.
What sort of promos/deals are you talking about that cost money? I'm thinking of things like signing up for MyPoints (just did this for 750 United miles!) or taking surveys. I know it's going to take a while but I have 2 years! I just need to know about them; hence why I'm asking for help.
I'm not ignoring advice. I know for many people, credit cards are the way to go. I just stated that I wasn't willing to do that...yet. No offense to those who churn cards, I'm just not ready for that albeit minimal risk.
My mom is not in the financial situation to fund the trip I'm planning for us, either. It's either dutch or miles. =) No harm in trying, right? I mean, I've got 2 years. I agree, Costa Rica will always be there. If it doesn't happen at graduation, fine. But I'm gonna try!
As for whether the hobby is the best idea for my financial situation, I feel like it's mostly time that I'm giving up. And no, I don't have much "free time" anymore, but hopefully it could be worth it to devote 30 minutes a weekend to deals.