I'm with you on this. I have been slow to make plans for next year. DS is starting HS and who knows how that will go, plus I'm starting a new job next month and have no idea how time off will work. But the cap on it is what you mentioned. My mom is 80 with health issues, FIL is 83. In addition we have 2 dogs who need watching. We adopted an almost 8 yr old rescue last year, who had been abused in the past (owner's boyfriend locked him in crate and poked and teased him.) We have boarded him at a local animal hospital and he did fine at first. Then spring break this year, he was there for 8 days and lost nearly 10 lbs. They didn't say anything so I don't know if he refused to eat or they didn't feed him, but not taking him back. Last weekend we went to NOLA for 5 days and 4 days in, the new vet we boarded at calls to say he nipped a tech. He didn't bite hard but did break skin when she reached into his cage to get an empty food bowl. I have a feeling that it was a combo of stress and the above abuse when she tried to quickly reach in he found it threatening. He has never bitten before but obviously leaving him there is not ideal. DS has a soccer tournament in a couple weeks, so DH will stay home with the dogs while I take DS.
I have a spreadsheet on iPad but a paper calendar with each credit card listed on the day it is due, along with pay days. It's easier for me visually than a spread sheet, especially as I pay all the bills including DHs cc's. Following due dates for 15-20 cards is too hard for me otherwise.
I am so jealous of that number of URs! I tend to spend as I accumulate and I absolutely do PYB. To me, free is free.