The Bank That Gives Us 5.36% APY Right Now

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Do you have money that is sitting there doing nothing, losing value while inflation marches along at 2% or higher every year?

If you do, you need to check out the high-yield savings account from Western Alliance Bank.

Lots of CashWe have a fair amount of money that we don’t invest because it is in our emergency fund, but it loses value as it sits there. Recently, several banks in our area have advertised some CDs (certificates of deposit) with no penalty for early withdrawals, and the interest rates of 4+% on those have been quite appealing.

But I have done a CD before, and I wanted to avoid the work involved in setting one up.

This month I was introduced to Western Alliance Bank, and I couldn’t believe the current interest rate on their high-yield savings account. 5.36% APY!

Not only that, but the amount of money to get started with them is only $500, and after that there are no account minimums and no monthly fees.

So, in my opinion, it was a no-brainer, and within 15 minutes I had created an account and funded it, and I am in the process of transferring our emergency fund over to this account.

Western Alliance Bank AccountWestern Alliance’s High-Yield Savings Account

Here are the reasons that I’m really happy with our new bank account:

  1. Competitive Interest Rates: The interest rate on its high-yield savings account is one of the highest in the US, allowing us to earn more on our savings compared to traditional savings accounts. I also have a high-yield savings account with American Express, but that one is only 4.35% APY, so I will be parking my money at Western Alliance for now.
  2. No Monthly Fees: Many high-yield savings accounts (and several traditional savings/checking accounts) charge monthly maintenance fees or require customers to maintain a minimum balance to avoid fees. Western Alliance Bank’s high-yield savings account has no monthly fees. Amazing.
  3. Low Minimum Balance Requirement: Some high-yield savings accounts require a substantial minimum balance to open or maintain the account. Western Alliance Bank’s account right now only requires an opening deposit of $500, and the lowest amount you can keep in the account and still earn interest is $0.01 (not sure how you earn interested on a penny, but that’s what they say).
  4. FDIC Insurance: Like all bank deposit accounts, Western Alliance Bank’s high-yield savings account is FDIC-insured up to the maximum allowable limit, currently $250,000. This insurance provides peace of mind to savers, knowing that deposits are protected against bank failure up to the specified limit. Our emergency fund will never have more than $250,000 in it, haha!
  5. Quick Transfers: One of the main concerns when accessing cash (especially for emergencies) is the amount of time that it takes to withdraw your money. In my experience so far, it only takes about 1-2 business days for the money to get from the account and into your hand. If you decide to couple it with another savings account and a debit card with Western Alliance, I’m guessing you could get it even sooner.

There are a couple more features that I have read about but have not actually used:

  1. Mobile Banking Features: Western Alliance Bank’s high-yield savings account comes with robust mobile banking features, allowing customers to manage their accounts conveniently from anywhere.
  2. Customer Service and Support: Western Alliance Bank is known for providing excellent customer service and support to its customers. Whether you have questions about your account, need assistance with online banking features, or require help with a transaction, knowledgeable and friendly representatives are available to assist you.

Summary

Overall, Western Alliance Bank’s high-yield savings account is a great option for savers looking to earn a competitive interest rate on their savings while enjoying the convenience and security of a traditional bank. Furthermore, you can do this without opening a CD!

As a side note, I also earned $60 for signing up for this account through a shopping portal, so that made it even better.

I’m not sure how long the APY will stay this high, but for right now, it was an offer that I could not ignore.

Do you currently have a plan for getting a decent return on your savings? If not, do you plan on taking advantage of this high-yield savings account?

Western Alliance Bank

The 3 Things We Use to Help Our Toddler Sleep Almost Anywhere

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There are three things that we never leave home without when we are traveling because they help our little guy sleep almost anywhere we go.

These items have saved us more stress than we know because we all know that kids need their sleep (just like us adults).

But what do you do when you are in a place that doesn’t have a bed for your kid?

What do you do when you can’t find a quiet spot or a dark spot for them to sleep?

How do you create ideal sleeping conditions without hauling along a collapsible playpen everywhere you go?

Thanks to Alyssa’s keen research and savvy money habits, we found our solution, and we love it.

These are the 3 items that we have used to help Baby Jadon sleep at home, at the homes of other people, in our church building, in hotel rooms, in airport lounges, and in airport hallways.

KidCo Peapod Travel Tent

The KidCo Peapod is a popular travel bed and play tent designed specifically for children, offering a safe and comfortable sleeping environment while on the go. Here’s why we consider the Peapod a must-have for parents traveling with kids:

  1. Baby Jadon Sleeping in KidCo PeapodCompact and Lightweight Design: The KidCo Peapod features a compact and lightweight design, making it easy to transport and set up wherever your travels take you. It folds down into a small, portable carrying case, making it convenient to pack in a suitcase, car trunk, or carry-on bag. When we fly, one of us packs this in our carry-on roller bag so that we can use it in the airport. It’s SO small when it’s folded and stowed!
  2. Versatile Use: The Peapod serves multiple purposes, functioning as both a travel bed and a play tent. Whether your child needs a cozy spot to sleep or a safe place to play, the Peapod has you covered. It’s perfect for hotel stays, camping trips, beach outings, picnics, and visits to friends and family. When Baby Jadon was smaller, he would play in it, but now that he’s older and more active, we only use it for sleeping.
  3. Built-in Mattress and Sleeping Pad: Unlike traditional travel cribs or playpens that require separate bedding, the KidCo Peapod comes with a built-in, removable sleeping pad. This provides a comfortable and supportive sleeping surface for your child, ensuring a restful sleep wherever you are. As you can see in the picture above, we don’t need to add any additional padding even when using the Peapod on a hard surface.
  4. Mesh Panels for Ventilation: The Peapod features mesh panels on all sides, allowing for optimal airflow and ventilation. This helps regulate temperature and prevents your child from feeling hot or stuffy while inside the tent.
  5. UV Protection and Bug Shield: Some models of the KidCo Peapod come with UV protection and a bug shield, making it suitable for outdoor use. The UV protection helps shield your child from the sun’s harmful rays, while the bug shield keeps insects and bugs at bay, providing added peace of mind during outdoor adventures. We keep our Peapod for indoor use, so these specific features are not as important for us, but they might be for you!
  6. Easy Setup and Takedown: Setting up the KidCo Peapod is quick and straightforward, requiring no assembly or tools. Simply unzip the carrying case and allow the pop-up tent to unfold itself. Takedown can be tricky at first, but once you know how to do it, it collapses just as easily. Put it back into the carrying case, and you’re ready to go to the next place!
  7. Safety Features: KidCo prioritizes safety in their products, and the Peapod is no exception. It is designed with sturdy construction, reinforced seams, and flame-retardant fabric to ensure durability and compliance with safety standards.

The price for the KidCo Peapod Travel Tent is somewhat steep at around $80, but Alyssa was able to buy it used from someone on Facebook Marketplace at a discounted price. Having now used it all over the world and in so many different environments, I can say that it’s definitely worth its full retail price. If you like the concept and want to go with a similar product, Amazon also sells some options for about a third of the price like this one and this one.

Crib Blackout Cover

Crib blackout covers for playpens are specialized accessories designed to create a dark and cozy sleeping environment for infants and toddlers, similar to blackout curtains used in bedrooms. We use one in conjunction with our KidCo Peapod Travel Tent, and we also use it at home on our playpen.

  1. Material and Design: Our crib blackout cover is made from a lightweight and breathable fabric that attaches securely to a playpen or can be draped over our Peapod. The cover has ties to ensure a snug and secure fit, effectively covering the entire playpen to block out light from all sides. When we use it with our Peapod, we just tuck the excess underneath the tent.
  2. Benefits: Using a blackout cover can offer several benefits for our little guy. It creates a dark sleeping environment that helps him fall asleep quicker and stay asleep longer. The cover is lightweight and easy to transport; in fact, we stuff it into the Peapod carrying bag when traveling! When used at home, it can be quickly installed and removed as needed on our playpen.

This is a much better option than just a regular blanket because it is breathable and lightweight. It also insulates the bed moderately well, holding in the body heat that is emitted by our child. So he often sleeps just fine without a blanket when we use this!

You can get a crib blackout cover for about $20 or less on Amazon. Once again, Alyssa got it at a discounted price from someone else on Facebook Marketplace, but, once again, we have found it to be worth the full retail price if that’s what you have to pay to get it.

Amazon Alexa Sleep Sounds

The third thing that we use to help our little guy sleep almost anywhere is Sleep Sounds on Amazon’s Alexa. If you have an Amazon Echo device or the Alexa app on your phone, you probably already have a general idea of what this is and how to use it.

If that last sentence was a foreign language to you, let me summarize.

Alexa is Amazon’s personal voice assistant, and you can enable her to perform various functions and skills. We have her do half of the work at our house, but you can have her do something as simple as play ambient noise for you when you are sleeping.

But Alexa is better than the noise machines that you might buy online or at the store because she’s free and can reside on your personal digital device that you already bring with you when you travel.

Furthermore, if you enable the free Sleep Sounds skill by Voice Apps, LLC, in your Alexa account, you can access over 125 different sounds like Heartbeat, Fireplace, Airplane, Frogs, Wind Chimes, Washing Machine, Box Fan, and our personal favourite, Thunderstorm.

You can download the Alexa app on your phone and have it play the sounds without having to bring along an additional device. Of course, if you prefer to have your phone accessible, you could always just purchase an Amazon Fire Tablet that already has Alexa built-in and bring it along with you. It would even fit in the Peapod carrying bag along with the blackout cover!

KidCo Peapod at the AirportSummary

When we combine these three things together, we can assemble an unstoppable sleeping environment in less than 2 minutes.

That’s not an exaggeration either since the Peapod opens itself as soon as we remove it from its bag.

The first picture in this post is from one of the concourses at Hartsfield-Jackson International Airport in Atlanta, and the second picture here is from one of the concourses at Nashville International Airport. The KidCo Peapod Travel Tent takes up so little space, the crib blackout cover blocks out the light, and the Sleep Sounds by Alexa drown out the extraneous noise.

We have found that the closets in many hotels are even large enough to fit the Peapod, giving Baby Jadon his own little room.

(Of course, as much as possible, we stay inexpensively in nicer hotels and then get free upgrades to suites with an extra bedroom for our kids.)

I owe many hours of sleep and relaxation and happiness to Alyssa for finding these items and insisting that we needed to buy them.

Have you ever heard of these things or used any of them?

 

How We Save a Lot of Money on Parking with SpotHero

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The #1 way to save money on parking when traveling is to park where it’s free.

Now that we have established the obvious, I want to tell you about the primary way that we save money on parking when it’s not free.

Parked CarWe can usually park for free on the side of a street when we’re in a small town, but that’s not always the case in the big cities, especially around the big tourist sites. Sometimes special events also cause nearby parking facilities to raise their rates (or transform from free lots into paid lots).

Whenever we have to pay for parking while traveling, the first place we go to look for discounted parking is SpotHero.

SpotHero is a leading parking reservation app that has gained popularity for its convenience, reliability, and cost-saving features. Here’s why we consider it one of the best parking apps:

1. Extensive Coverage:
SpotHero operates in numerous cities across the United States, providing users with access to a vast network of parking facilities. Whether you’re in a bustling metropolis or a smaller urban area, chances are SpotHero has parking options available nearby.

2. Easy-to-Use Interface:
The SpotHero app features a user-friendly interface that makes finding and booking parking a breeze. Users can search for parking by entering their destination address or exploring a map view to see nearby parking options. The app provides detailed information about each parking facility, including pricing, availability, and amenities, allowing users to make informed decisions.

SpotHero Parking3. Advanced Booking Options:
One of SpotHero’s standout features is its ability to allow users to reserve parking in advance. This is particularly useful for busy city areas or events where parking may be in high demand. By booking ahead of time, users can secure their parking spot and avoid the stress of searching for parking upon arrival.

4. Cost Savings:
SpotHero often offers discounted parking rates compared to on-site or street parking prices. Users can take advantage of special deals, promotions, and exclusive offers to save money on parking fees. Additionally, the app allows users to compare prices and choose the most affordable parking option for their needs.

5. Variety of Parking Options:
SpotHero offers a wide range of parking options to suit different preferences and budgets. Whether you’re looking for valet parking, covered parking, or long-term parking, SpotHero has you covered. Users can filter their search results based on criteria such as price, location, and amenities to find the perfect parking spot for their needs.

6. Secure and Reliable:
With SpotHero, users can rest assured that their parking reservations are secure and reliable. The app partners with reputable parking facilities and employs strict security measures to safeguard users’ personal and payment information. Additionally, SpotHero provides customer support to assist users with any issues or concerns they may encounter during the parking process.

7. App-less Availability
You don’t need a smartphone to use SpotHero! You can book your parking online, print your parking pass, and scan the QR code on your paper to park. This is useful if you don’t have a smartphone, can’t install the app on your phone, or tend to run out of battery life on your device and want a hard copy backup.

SpotHero App

How We Use SpotHero

We have used SpotHero for several years, and we usually use it on trips when we are in big cities like Chicago, Seattle, Washington D.C., Boston, etc. Most of the time we are booking a spot for a few hours, but we have also used it for overnight parking. We often know how much money we are saving because the parking garages will have their prices posted at the entrance, but we booked our spot for less than those prices. Parking meters on the street also tend to cost much more and have time limits of 2-4 hours.

Back home here in Minneapolis/St. Paul, we have used SpotHero to find discounted parking for baseball games, other sporting events, and concerts. When we fly during the warmer months, we discovered that we can find nice outdoor parking at hotels near the airport.

Sometimes the parking locations can be difficult to find after you book them, but SpotHero does a decent job of helping you navigate to the right places. They provide not only the street address but also a picture of the entrance to the lot and some good old-fashioned directions on how to find the entrance.

We have also been able to cancel our bookings for a refund and extend our current reservations when needed.

Summary

Overall, SpotHero stands out as one of the best parking apps due to its extensive coverage, easy-to-use interface, advanced booking options, cost-saving features, variety of parking options, commitment to security and reliability, and ability to use it without a phone.

Whether you are commuting to work, running errands, or attending an event, SpotHero makes parking hassle-free and affordable. If you travel a lot or spend a lot of time in big cities, we highly recommend this service!

Have you used SpotHero? Do you have another parking service that you like?

The Pastor Who Invested Most in Me

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Huang Wedding Handoff

I couldn’t stop crying.

Absolutely nothing I tried would stop the tears from flowing.

It wasn’t even a sad moment; it was one of the happiest moments of my life! But even though I usually can do a fairly decent job of hiding my emotions, I have always been a crier. Especially during extremely happy times.

But then I heard something that I had never heard before: “Who giveth this man…”

The pastor quickly fixed his mistake and asked the bride’s father the traditional question with the right terminology, but it was too late. A huge smile spread across his face as the room erupted in laughter, and I finally was able to stop crying.

In that brief moment, my future father-in-law gave me my partner for life, but not before my grandfather gave me a memory for life.

My grandpa gave me so many reasons to smile for over three decades, but that one on June 1, 2019, is definitely one of my favourites.

As I look back on life though, Grandpa did more than just provide smiles. He had a profound impact on who I am today as a person.

PastorsGod has blessed me with many amazing pastors- over a dozen of them. I will not list them here, but the people close to me have a good idea of who most of these men are.

What I love about my pastors is that they did more than just give me content. Yes, I have heard many sermons, devotionals, and Sunday School lessons from them. But it is not the preaching that I remember.

What I remember most is how they loved me and invested in me.

They invited me to their homes to eat and to sleep. Some of them even let me live in their homes for extended periods of time!

They taught me how to raise a family, how to work, and how to invest my money.

They taught me how to memorize Scripture, how to prepare Bible studies, and how to lead music in church services.

They taught me how to get out of my comfort zone and invest in other people.

But no pastor invested in me as much as Grandpa.

He started by investing first in his family and my parents before I was even born. After I entered the world, he continued to invest in me.

Joshua with GrandpaWhen I was a child, he spent so much time with me when we visited. He took me on his paper route, he brought me into the ditches to pick up pop cans, he taught me how to catch night crawlers, he took me fishing, he showed me his trapping route, and he took me up north to sell the skins from his trapping.

He always talked about God’s goodness and his desire for me to follow God too and experience that goodness. He always had a joke to tell based on whatever was happening that day.

He taught me the importance of faithfully following God and trusting his provision no matter what happened in life.

For many years he was just family, but for a year in college, he also became a colleague when he invited me to join him at his church as the Sunday song leader. Such a responsibility required a 6-hour roundtrip every weekend for several months, but it was a wonderful privilege. Each week he would tell me his sermon so that I could plan the order of service, and then we would spend Sunday serving together and spending time together at his house.

It’s one thing to watch someone do ministry for years, but it’s a greater joy to do it together with them!

The one thing that kept Grandpa going in life was the next opportunity to minister to someone. Whether that was teaching on Sunday or visiting someone during the week, he wanted nothing more than to keep investing in people and telling them about God.

I am extremely blessed to have a family in which all of my grandparents were amazing, godly people that invested so much in me. I wouldn’t be the same person without any of them.

Joshua and Grandpa at Wedding

But my Grandpa Gonnerman was unique in that he was a pastor, not just to others, but also to me.

Because of that, he could participate in some of the most significant events in my life. He baptized me as a child, he personally helped me prepare to be a pastor, and he was the one in my wedding who helped me stop crying (albeit only for a moment).

In my opinion, his many investments paid off; not just in my life, of course, but also in countless other lives.

My favourite pastor has finally retired, and today he enjoys the fruits of his labour. By God’s grace, the compound interest from his investments will continue to pay dividends in his absence.

Once more I can’t help but cry.

But Grandpa has given me a reason to smile.

“So when this corruptible has put on incorruption, and this mortal has put on immortality, then shall be brought to pass the saying that is written: ‘Death is swallowed up in victory.'” – 1 Corithinthians 15:54

The One Travel Deal That Has Saved Us Thousands of Dollars

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Disclosures: This article includes links to credit cards. If you choose to apply for a credit card through our links, we may or may not receive a referral bonus. Credit cards are not suitable for everyone, however. If you have credit card debt of any kind, are irresponsible with your past or current use of credit cards, are unaware of the risks of using credit cards, or are conscientiously opposed to the use of credit cards, please do not apply for the credit cards mentioned in this article. You are 100% responsible for your own choices regarding the use of any credit cards mentioned here.

As the price of airfare continues to rise because of increased travel demand, I have more and more people asking me how to book inexpensive flights.

Unfortunately, there is not an easy answer or one perfect solution for everyone. But for people flying in the US, there is one specific deal that has transformed our travel experience and saved us thousands of dollars.

Ever heard of the Southwest Companion Pass? This game-changing perk has revolutionized the way we travel, and right now, there’s an incredible offer available that makes earning the Companion Pass easier than ever before.

Southwest AirplaneBrief Overview of the Southwest Companion Pass

With the Southwest Companion Pass, you essentially get to bring a designated companion with you on all your Southwest flights for just the cost of taxes and fees (normally only $5.60 per one-way trip). It’s like getting a 2-for-1 deal every time you fly, which can lead to significant savings, especially for those who travel often or with a partner.

Here are some of the top reasons why we love the Southwest Companion Pass:

1. Double the Value: With the Companion Pass, you’re essentially doubling the value of your money. When you buy a ticket for yourself, you can add your designated companion for almost free, thus getting two tickets for the price of one. But it also applies to award flights booked with Southwest Rapid Rewards points! Instead of just redeeming points for yourself, you can use them to book flights for both you and your companion, effectively getting twice as much out of your rewards.

2. Flexible Travel: Unlike other airline perks that restrict you to certain flights or blackout dates, the Southwest Companion Pass is incredibly flexible. As long as there’s a seat available on a flight, you can book it for your companion, even if you’ve booked your own ticket using points or a promotional fare.

3. Maximize Savings: For couples or families like us who frequently travel together, the savings can add up quickly. Whether you’re jetting off on a weekend getaway or taking a longer vacation, having a companion fly with you for almost nothing can make travel much more affordable.

Overall, the Southwest Companion Pass is a game-changer for anyone who typically travels with someone else. It’s a valuable perk that can help you stretch your travel budget further and make exploring the world even more enjoyable. If you’re a frequent Southwest flyer, or even if you just fly once or twice a year and live near an airport serviced by Southwest, earning the Companion Pass should definitely be on your radar as a goal worth pursuing.

Limited-Time Offer: Earn Companion Pass through 2/28/25 + 30,000 Points

Southwest Airlines is currently offering an unbeatable promotion across all three of their personal credit cards – the Rapid Rewards Plus, Rapid Rewards Premier, and Rapid Rewards Priority cards.

With this offer, new cardholders can earn the Companion Pass and 30,000 Rapid Rewards points after spending $4,000 on purchases within the first 3 months of account opening. Under the terms of this promotion, the Companion Pass would be valid through February 28, 2025.

Understanding the Southwest Credit Cards

Typically, the personal Southwest credit cards offer a signup bonus of 50,000 Rapid Rewards points, but they do not include the Companion Pass as part of the offer. In fact, you normally have to earn 135,000 Rapid Rewards Points within the same calendar year in order to qualify for the Companion Pass, making it a little more difficult to earn.

With the current promotion, however, new cardholders can enjoy the best of both worlds – almost a full year of Companion Pass privileges plus a nice points bonus. Now, you obviously have to complete the minimum spend requirement before you receive those perks, but if you’re looking to travel anytime this summer and into next winter, the timing could be perfect for you.

Here’s a brief overview of the three Southwest personal credit cards:

1. Rapid Rewards Plus: Ideal for occasional Southwest flyers with basic perks ($69 annual fee).
2. Rapid Rewards Premier: Perfect for moderate Southwest travelers seeking additional benefits and rewards ($99 annual fee).
3. Rapid Rewards Priority: Tailored for frequent Southwest flyers who want premium benefits and perks ($149 annual fee).

Our personal favourite is the third option, the Rapid Rewards Priority card, but that’s because we travel frequently enough to justify the annual fee. But each of these options has the same offer right now.

Our Companion Pass Experience

For the past seven years, we have been fortunate enough to enjoy the countless benefits of the Southwest Companion Pass. From weekend getaways to cross-country adventures, the Companion Pass has been our ticket to unlimited travel experiences at a fraction of the cost

Whether booking flights with cash or redeeming Rapid Rewards points, the Companion Pass has consistently provided us with unparalleled savings and flexibility. Because we have also earned so many Southwest points and booked award flights with them, about half of our flights have only cost us $22.40 total for the family ($11.20 in taxes and fees per adult on award tickets), making travel more accessible and affordable than ever before.

With the current offer available across Southwest’s personal credit cards, there has never been a better time to earn the Companion Pass and unlock unlimited adventures.

Don’t miss out on this incredible opportunity to save some money on your upcoming flights!

Does this offer appeal to you or someone you know?

Save Money on Your Next Gas Stop with This Free App

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When I was a kid, my dream car was a glow-in-the-dark ambulance. A decommissioned one of course, but how cool would it be to drive one of those around?

As I got closer to driving age, and despite my disinterest in actually getting a license and driving, I wanted a Toyota Prius. As fuel prices rose from the sub-$1 prices that I remembered as a child, it just made sense to drive something that would use less gas.

Four years ago, Alyssa and I needed a second vehicle since we both had full-time jobs, and we test-drove some Priuses. After running the numbers, we ultimately decided that we would do better with an older Camry like the one that we already owned.

Twin Cars

Today, our dream car is a Tesla.

Some of you understand, and some of you are curious. Some of you think it’s an awful idea and want to convince me why we should never get one. Chances are, if you fall into either of the last two categories, you probably have never driven one, or you lean too far to the right in your political convictions to appreciate what Elon Musk and his team have built.

But until we have the privilege of realizing our dream someday, we continue to drive our faithful Toyota internal combustion engines.

When we travel, fuel is always one of our most significant expenses. Perhaps it is for you too. So how do we cope with gas prices that seem high to us (but are relatively cheap compared to the rest of the world)?

Introducing the Upside App

The Upside app is a game-changer in the world of savvy travel savings. This isn’t our only way of saving money on fuel, but it’s one of the easiest.

Of course, if you don’t have a smartphone, you can stop reading here because this money-saving method requires a smartphone app.

Using Upside, we routinely save 5-12 cents off each gallon of gas that we purchase. It doesn’t seem like a lot, but it sure adds up over time, especially if you drive a larger vehicle or travel a lot for work (or vacations!).

How Upside Works

Cashback on Gas Purchases
The main feature of the Upside app is its ability to help you save money on every gallon of gas you purchase. The process is simple: before heading to the pump, open the app and browse through a list of participating gas stations in your area. Once you have selected the gas station that you want to use, you go there and complete the transaction.

Back in the app, you specify the debit/credit card that you used, and Upside takes care of the rest, matching your transaction with the gas station’s records and crediting your account with the appropriate cashback. It’s like getting a discount every time you fill up your tank!

Smart Refueling Choices
The Upside app doesn’t just provide cashback – it also helps you make informed decisions about where to refuel. The app displays real-time gas prices at nearby stations, allowing you to choose the most cost-effective option and avoid overpaying for fuel.

Upside App Rewards

Real Money and Gift Cards

One of my favourite features of Upside is its cashback options. You can literally transfer the money directly to your bank so that it’s truly a discount on your fuel purchases! You also have the option of buying gift cards with your cashback, but I don’t recommend going that route. Buy the gift cards later if you decide that you want them!

Passive Income
If you refer your family and friends to Upside, you will receive 1 cent per gallon of gas that they purchase while using the app. Again, not much, but most of you have a lot of friends, and it all adds up! You also get an additional 15 cents off per gallon on one fill-up for each friend that you refer.

Beyond the Pump: Cashback on Everyday Purchases

We don’t do this often, but you can also earn cashback at retail stores and restaurants with Upside. We used to get 20% back at our nearby grocery store before they stopped participating in the program.

I do not encourage people to go and spend money just so they can take advantage of discounts and cashback, but if you can get money back for purchases that you already intend to make, why not?

Upside App RetailersRetail Stores
Many retail stores partner with Upside to offer cashback on your purchases. From clothing stores to grocery stores to electronics retailers, you can earn money back on items you were planning to buy anyway. As mentioned above, we really benefited from this when our nearby grocery store was still on Upside.

Restaurants
You can enjoy cashback rewards when dining at participating restaurants, and the locations nearby you may include nationwide chains or even local independent eateries. Open the app, browse the map to find what you like, and enjoy your meal knowing that you are earning money back. I would not recommend spending more money though just because you know you’re getting a discount.

Get Started with Upside Today

It’s easy to use Upside, and you can always change your mind and delete it if you decide that it’s not worth the space that it uses on your phone. If you would like to use our referral code, you will receive an additional 15 cents back per gallon on your first fill-up, and you’ll be gifting us the same favour. But you can sign up without our referral if you would prefer to do that. Our promo code is 4VKBC, and you enter it when you register your account.

  1. Download the Upside app from your app store. It’s available for both iOS and Android devices: https://upside.app.link/65vTVqtpLGb
  2. Create your account in the app. You need to provide some basic information like your name, email, etc. You also need to link your preferred payment method to receive cashback. If you would like to use our referral code and claim your extra 15 cents back per gallon the first time you buy gas, enter the code 4VKBC when prompted. You can also skip this step if you wish.
  3. Browse offers in the app to discover gas stations, restaurants, and retail stores offering cashback. Upsidee’s map makes it easy to find the best deals near you.
  4. After you have made a few purchases at participating locations, simply redeem your cashback within the app by transferring the money to your bank or purchasing an online gift card.

When Upside Doesn’t Work

Upside App MapThere are times when Upside doesn’t work or cannot be used. Hopefully this list answers any questions that you might have.

  1. It does not work at all gas stations. Each gas station has to agree to participate in Upside’s program, and some choose not to. We have found gas stations all over the US that participate, and typically the larger chains do (BP, Shell, Circle K, Holiday, Speedway, Casey’s, Kwik Trip, etc.). We have even found small towns that have multiple gas stations that participate. You just have to open the app and check the map to see which ones do and which ones don’t.
  2. Sam’s Club, Costco, Hy-Vee, Walmart, Fleet Farm, and other gas stations attached to larger retail stores do not participate. After all, some of these places already give you better discounts than the standalone gas stations. Unfortunately, you can’t double up on the savings at these places.
  3. Not all restaurants and stores participate, but I have seen some common ones like McDonald’s, Burger King, and Chick-fil-A on Upside. So you don’t know what you can save until you check the app!
  4. If you don’t claim an offer in the app before you make your purchase, you won’t get cashback. Think of it like a coupon book and “clip the coupon” in the app before you make the transaction.
  5. If you have multiple payment methods loaded into the app, be sure to specify the correct form of payment that you used to make the transaction. If you paid with a card ending in 4124 but the app is showing a card ending in 1762, Upside will not identify your transaction with the merchant and will not give you cashback.

Summary

The Upside app is a must-have for any road trip enthusiast looking to maximize savings on their trips. But it can also help you save money right in your neighborhood as you make your daily purchases.

From earning cashback on gas purchases to enjoying discounts at restaurants and retail stores, the savings add up over time. Combined with our other money-saving habits while living life and traveling, it really makes a difference!

Someday if we get our Tesla, we won’t use this app quite as often as we do, but that won’t be for a while.

Perhaps that glow-in-the-dark ambulance will also show up along the way.

Have you heard of Upside before, and do you plan to try it if you haven’t?

“Do You Have Any Upcoming Trips?”

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The questions that people ask about you often reveal what they know about you. Either they don’t know much about you and they want to get to know you, or they know you already and want to hear updates on various aspects of your life.

There is one question that we probably hear more than any other: “Do you have any upcoming trips?”

Coliseum FamilyIt’s an interesting question because the answer is always yes. If you define a trip as going somewhere, we always have plans to go somewhere, whether that’s a few hours away to see family and friends or out-of-state for a photo/video project.

But if you define a trip as a vacation, a long journey across the country, or an overseas missions trip, we really don’t have a lot of those trips over the course of a year. In fact, the large majority of our trips are less than 60 hours in duration from the time we leave home until we return.

We have noticed, however, that the average person just does not travel much at all, so we tend to be an exception even though we don’t come close to matching the mileage of a select few.

The two of us definitely traveled much more in our single days before God led us together. So now we have that lingering desire to travel more but simply do not have the availability and the resources to do it as often as we would like.

As a result of these various factors, one thing that people know about us is that we love to travel, and we have discovered ways to do it without going broke. In fact, we have even found some ways to travel in luxury for less than the average person might spend on a basic, no-frills trip.

Some people do not like traveling because all of the stress and expense involved. But when you’re walking through airport security in less than 5 minutes, eating and showering in cozy airport lounges, sleeping business class on an airplane, driving Mustangs and Teslas, and staying in hotel rooms that feature two bedrooms and full kitchens, suddenly the trip to get somewhere is just as enjoyable if not more enjoyable than the actual destination.

Of course, sometimes our trips look like us simply driving our 2000 Toyota Camry down to Iowa and staying overnight with family and friends. You don’t put 20,000 miles on your car in a year just by driving to work and back every day!

But whether our trips find us in our little car or in the front seats of a Boeing 777, we have found scores of ways to save money and upgrade our travel, thus enabling us to travel even more and help others do the same.

Experience is our primary teacher, and we have learned so much from trying new things and making mistakes (sometimes costly ones). But we are also deeply indebted to hundreds of strangers and a few good friends who have traveled this road before us, teaching us the “tricks of the trip” and keeping us updated on the latest travel trends and deals.

So now we embark on a new trip, sharing our trips, travel tips, and money advice on our family blog for the benefit of others. If you want to follow along, we invite you to subscribe to our blog so that you are notified anytime we post. Also, if you are interested in receiving  a few emails a year that are dedicated specifically to family updates, you can also subscribe to those (this is separate from our blog updates).

Here is a short list of the travel-related things we plan to cover:

  • Travel experiences
  • Saving money and budgeting for travel
  • Places to visit in the US
  • Places to visit internationally
  • Traveling with kids
  • Planning missions trips
  • Travel products
  • Tips for flying
  • Tips for packing

Comment below to tell us what you want us to write about! The more feedback we receive, the better, because we want this to serve our readers.

Hopefully we can help you learn some new things and explore more of this amazing world that God has given us!

First Time in Africa!

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I love to travel. I love seeing the different colors and cultures and food around the world! And I especially love to see how my brothers and sisters in Christ are serving our great God.

Alyssa Teaching with WhiteboardOur trip to Ghana was two firsts for me- first international trip with my husband (awww <3) and first visit to the continent of Africa. My new friends were so excited that Ghana was my first African experience! So what was Africa like? Let me tell you…

Culture- The culture is built on a complex system of respect for people, especially for those who are older than you are. We rarely carried anything anywhere around music camp because someone always stepped up to carry whatever we had in our hands (down to my water bottle). The students were quick to clean the chalkboard for me and rearrange space so that we didn’t do the work. I was always astounded to see what they could carry and balance on their heads! It’s so nice for them because then their hands are always free.

Alyssa with Food at Mole National ParkFood- The food was definitely unique! We were there during the tomato season so tomatoes were in everything we ate in some form or another. We had fufu, cassava, banku, jollof rice, redred, and gari (just to name a few things :). The flavors and textures of Ghanaian foods are so unique that I don’t even know how to describe them to you… you’ll have to go and taste them for yourself! They also use lots of ground nut (American translation- peanut!) and plantain and cook with palm oil as their base for many dishes.

Shopping- We shopped both in the supermarkets and in the open-air markets of Wa. I love visiting the typical daily market because I love all the colors, sights, and smells; it reminds me of living in Perú and going to the market with my roommate and Peruvian family.

Our trip to the market was focused on buying material for curtains for our dining room/living room space. I loved flipping through piles and piles of brightly colored fabric and stretching out yards of material. Ghanaian fabric can sometimes have “surprises” tucked into the designs, like smiley faces or funny animal patterns when you see it all together. We finally decided on a fun pattern with colors to go with our simple paint colors! Watch for future pictures of our dining room/living room to see what the curtains look like 🙂

Baptist Church in GhanaChurch- Wooden benches, simple structures, open windows- these were the common denominator among the church buildings that we visited. But the church isn’t the building- it’s the people. The people greeted each other warmly and sang each song with all their enthusiasm, rejoicing in what our great Savior had done for them.

Our American churches should be ashamed at our lack of excitement in lifting praise to our Savior through song. The buildings were a little warm (by American standards) but that didn’t stop the people from squeezing another little friend or grandma onto the bench beside them. At one church, I turned around to see that most of the people behind me were under the age of 10 years old. They were sitting attentively and joining in whenever they could.

Music- The best part about teaching music in Ghana was that I was teaching the most eager learners I have ever met. They soaked up everything I told them and stayed in their seats at the end of class to ask more questions and to write down everything I had said. They all loved music and wanted to know how it worked and how to improve on what they already do with it. It was a tremendous blessing to be able to pour into someone else what has been invested in me over many years.

“You Are Welcome”

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In Ghana the Best Things are Yello“You are welcome!”

As Mrs. Karis Mapes greeted us, memories of 2018 started to flood back into my mind. The standard greeting reminded me that I was once again immersed in Ghanaian culture. It wasn’t just a dream: I truly was back in Africa.

We had braved 35 hours of flight time and layovers, arriving safely in Accra shortly after 4am. But the weariness was worth it.

I happily sipped on a plastic bag of cold, purified water before going to bed. The sun was slowly making its daily appearance, but we needed all the rest we could get after two days of flying and before our 14-hour overnight bus trip.

Twelve hours later we peered through the large windows as our bus carefully pulled out of the station. The mass of humanity surrounding us parted like the Red Sea as our driver honked and started to move forward.

Loud music streamed through the speakers as we bounced along through town. “Over the speedbumps and through the potholes to Upper West Region we go!” If only that was a real song, nothing would have been more fitting to play on those CrAzY roads.

Suddenly, loud arguing and shouting ensued as we exited the city. I could distinguish a few words of English, but not enough to understand what was going on. But it was clear that someone was not happy!

I looked up to see that the driver had switched from music to movies. The source of the shouting was merely a movie for us to enjoy. Alas, the long night of quarrelsome movies had begun, a staple on Ghanaian bus trips. I closed my eyes and tried to ignore the sounds.

Thankfully, I was mostly successful.

When we finally arrived at our final destination the next day, I almost felt like I was back at home.

“Bzzzzzzzz!!!” The early morning cambus (small, tricycle-like modes of transportation) whizzed by as I exited the bus and leapt over the two-foot deep street gutter.

Mr. and Mrs. Mapes, Olivia, Alyssa, and I retrieved our numerous belongings from the belly of the bus and got the attention of a couple of those cambus. Typically, we can fit two or three people inside these small taxis. This time, we divided up five people, four large suitcases, and five smaller suitcases and bags between the two cambus.

Somehow, we all fit…

“Here we go, team!” Olivia called out cheerfully as we pretended to be as skinny as kids and piled on top of each other.

“Bzzzzzzzz!!!”

First Cambu RideAh! Fresh air with a hint of diesel. Riding to the Mapes’ home in an open-air vehicle was such a refreshing way to wake up. It was also a nice contrast to the bus we had just disembarked.

Thus began an exciting two weeks in West Africa. After going to Ghana in 2018 for the first time to help with the inaugural Making Melody Camp hosted by West Africa Baptist College, I got to return this year with my new wife for the second annual week of music.

“You are welcome!”

Over and over again we were greeted by the Ghanaian nationals as they visited us at the Mapes’ home. They are so friendly! Whether you meet someone for the first time or reacquaint yourself with an old friend, they always make you feel welcome.

In the next post I will write specifically about the Making Melody Camp…if I wrote it here, this post would get really long.

Thanks for reading, and thanks for caring!

Back from Ghana and 100 Days of Marriage!

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Making Melody CampersThank you for praying for us! We have returned safely from our trip to Ghana and have jumped back into life here in Minnesota.

The final concert for Making Melody Camp in Ghana went so smoothly! Our final rehearsal earlier in the day was quite the adventure when the power went off and we were without a keyboard and lights. But everyone was flexible and we even dodged the raindrops for a partial outdoor rehearsal. Some churches and a few community members attended the concert and thoroughly enjoyed it.

We put together a video summarizing the week of music camp (complete with wandering sheep and Ghanaian outfits!). We are praying that God will provide the next team to serve in Ghana in 2020, and we would love to talk with you more if you are interested!

We also celebrated our 100th day of marriage this week- woohoo! We’re excited to see all that God has ahead in the next 100 days.

Thanks for praying for us! Until next time, love God, make new friends, and eat your snacks!