I’m from an “anti-card” family but married into a “we pass the card around so everyone can laugh a the joke” family.

Gifts. Who is keeping track of upcoming birthdays, holidays and special events among family and friends and actively shopping for, buying and wrapping any associated gifts?

It’s true. a lot of my favorite memories, i realized were age 3.

I used to pour a stout or porter over wheat chex.  

Seriouly.  January is the “workout at home” month.

use cash for those every day things.  like gas. there’s no way to dig out of credit card debt if you keep using the card.  

they cannot be a singular pronoun (it absolutely can),

Yes. That’s the idea anyway. You’d have to price it out to see if it works in your particular case. But, the idea is that those two bookings will cost less than two tickets booked the regular way. 

No. They book a second round trip in the the opposite direction. Say i’m in DC and want to spend the holidays in London.

Just book your two round trips on 2 different airlines if you’re worried about getting caught.