Points, Miles, Cashback & Personal Finance
Get More From Every Point, Mile & Dollar
Skip the hours spent Googling, reading Reddit threads, and browsing forums — get answers tailored to your cards, your goals, and your next trip.
- ✓Experienced — 10 years in points, miles, cashback & bonuses
- ✓Fee-Only — No affiliate or commission-driven advice
- ✓Precise — No inflated cents-per-point numbers
- ✓Rigorous — If something has poor ROI or isn't worth your time, I'll say so
About Me
Hi, I'm Parin
I've spent the last 10+ years in the world of credit card points, miles, and cashback. I've redeemed millions of points for business class flights and 5-star hotel stays around the world — solo, as a couple, and with family.
I stay current by listening to airline and hotel earnings calls, scanning award inventory regularly, reading forums, and tracking every program change and devaluation. This isn't a side hobby — it's something I do every day.
I won't inflate CPP numbers with one-way ticket pricing or tell you a card is great when the math doesn't support it. I only share the best publicly available offers and never use affiliate or commission links that go against your interest as a client. If something isn't worth your time, I'll say so.
Beyond points and miles, I help with cashback optimization, sign-up bonuses, referral bonuses, and bank and brokerage promos. If you want help setting up tracking with tools like YNAB, Monarch, or Quicken, I can do that too — but most people just need a good gut check from someone who's been doing this a long time.
From My Travels
What You Get
Expert Points & Miles Strategy
Card Portfolio Strategy
Which cards should you have? Is that annual fee worth it? Get a second opinion tailored to your spending, your goals, and whether you're solo, a couple, or a family.
Points & Miles Redemptions
Find the best use for the points you have. Transfer partner sweet spots, timing guidance before devaluations hit, and booking strategies that maximize value.
Cashback & Bonus Optimization
Credit card sign-up bonuses, bank account bonuses, brokerage promos, referral bonuses — the full picture, not just airline miles.
CPP & Value Analysis
Cents-per-point analysis based on round-trip fares you'd actually pay. Know what your points are really worth before you transfer or redeem.
Gut Check & Second Opinion
Not sure if a card is worth the annual fee? Wondering if that redemption is a good deal? Get a straight answer from someone with 10+ years of experience.
Family & Couple Travel Planning
Coordinate card applications, pool points across partners, and plan a travel year that works for everyone. I've done this for my own family dozens of times.
Before You Book
Is This a Good Fit?
I want to make sure a session is actually worth your money. This works best if the following sounds like you.
You're curious about points & miles
You've heard about people flying business class on points but don't know where to start — or you've started and want to make sure you're doing it right.
You carry zero or near-zero credit card debt
Points optimization works best when you're not paying interest. If you're carrying significant credit card debt, the math doesn't work — and I'll be upfront about that.
Your financial foundation is in good shape
You have an emergency fund and are contributing to long-term savings. Points and miles optimization comes after you've put your biggest financial ducks in a row.
Why not just Google it? You can — and there's good free content out there. But you'll spend hours sorting through hype, affiliate-driven recommendations, and outdated info. In a session, you get a straight answer backed by 10+ years of experience and thousands of hours of research — personalized to your cards, your spending, and your goals.
Pricing
One Session, Unlimited Value
50% off through August 31, 2026
- 45-minute 1-on-1 video consultation
- Personalized card portfolio strategy
- Gut check on cards, fees & redemptions
- CPP analysis for your target trips
- Cashback, bonus & referral optimization
- Follow-up summary email with action items
Cancel or reschedule free up to 24 hours before your session. Late cancellations and no-shows are non-refundable.