Next year we've got three big trips on the docket - Thailand, Scotland/ London, and Switzerland/Italy. By mixing cash fares, smart point redemptions, and repositioning, we share the exact math behind paying cash to Asia, and two goals to keep travel calmer and on budget.

• booking strategy for a family of five using points, cash, and portals
• why one‑cent redemptions lost to Amex travel offers and 5x earning
• routing choices to access lounges and smoother layovers
• Thailand plan with Phuket, Koh Samui, and Bangkok as bases
• London and Edinburgh logistics for seven travelers
• chasing return award space after routes vanish
• Aeroplan business class to Zurich and Boston repositioning
• hotel approaches in Zurich, Lake Como, and Italy
• domestic add‑ons to Oceanside and Disneyland with Hyatt certs
• budget tracking on trips to curb overspend
• ADHD medication updates improving family travel dynamics

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