Colleen hosts TGIF Fridays without Jess and interviews Jaya, a Yukon-based traveler and mom of four, about using points and miles to reduce travel costs. Jaya emphasizes first understanding the value and redemption options of existing points (e.g., statement credits vs bank travel portals), then choosing cards with category multipliers, and eventually using transferable points via programs like RBC Avion and American Express. She discusses transferring points to airline partners, timing transfers only when ready to book, and using welcome offers by meeting minimum spend without carrying balances. Jaya shares booking a Bora Bora overwater bungalow for $738 for five nights (vs $2,000/night) using 271,000 Marriott points, plus flights using points (including 85,000 points per person). She covers annual-fee strategy, first-year-free offers, product c ...