Free is for Me!

January 27th  marked the beginning of the last year of my 30’s. Getting older and finding random gray hairs can be slightly depressing. Although, I was reminded of how joyous another birthday could be every time I opened my e-mail and found a special gift just for me. These gifts were coupons for free stuff! I got them from various corporations because I am enrolled in their membership clubs. The membership clubs offer reward programs which are usually based on a point system.  You accumulate points based on your spending totals. Once you have spent a certain amount of money you will receive a coupon for a free item or a discount on your next purchase. Many of the corporations will give you an extra bonus for your birthday by giving you something for free.  As the saying goes, “Free is for Me!” `

Since January is my birthday month, I have received coupons for free meals from IHOP and Houlihans, wings from Buffalo Wild Wings, ice cream from Cold Stone, a beverage from Dunkin Donuts, and my choice of an appetizer or dessert from Red Lobster and Olive Garden. I also received $25 in coupons from DSW and $15 from Best Buy. This is only a partial list of membership rewards I received. Signing up for membership clubs at many stores and restaurants is free and normally an introductory gift is given just for signing up.  The corporations use their membership clubs to keep customers aware of new product offerings and sales. The preferred method of communication is e-mail. If you do not want the store promotions intermingling with other personal or business e-mails, I suggest setting up a separate email account for your club memberships.

Receiving these coupons can be an extra little perk, but they can also save you a significant amount of money over time. I have a dog that eats expensive food that doesn’t go on sale often. I am enrolled in the Petco rewards club. Every time I reach $100 in purchases, I receive a coupon for $5 off my next purchase. That is an 8% savings on a $60 bag of food.

Being a part of these memberships clubs has shaped the way that I think about spending. I almost never want to pay full price for anything. I seek ways to find discounts and keep more money in my pocket! Below is a list of some stores and restaurants that offer membership club rewards. Go sign up and enjoy your savings!

  • Benihana
  • Best Buy
  • Buffalo Wild Wings
  • California Pizza Kitchen
  • Chili’s
  • Cold Stone
  • Dairy Queen
  • DSW
  • Dunkin Donuts
  • Houlihans
  • IHOP
  • Longhorn’s
  • Panera
  • Petco
  • P.F Chang’s China Bistro
  • Olive Garden
  • Outback
  • Red Lobster
  • Ruby Tuesday
  • Starbucks
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New Year, New You…Same Old Bank Account

Now is the time to change your financial position

Now is the time to change your financial position

As we say goodbye to 2014 and hello to 2015, I want you to also say goodbye to your poor financial habits and welcome in a new financial discipline. You need to shed the stress and worry from not having your finances in order. Now is the time to usher in changes that will help you to create a positive financial outlook.

“Change is the only constant in life.”-Heraclitus

This means the only thing you can be sure of in life is that change will occur. Therefore, change is something that should be embraced.  It will happen if you like it or not. The best way to approach your finances is to be proactive versus reactive. This mean you will need to have a financial plan.

Ask yourself, what are your financial problems? What are you doing to contribute to your financial instability?  Now ask yourself this very important question, “What are you willing to do differently?”

“Insanity is doing the same thing over and over again and expecting different results.”-Albert Einstein

You cannot expect your financial position to change by continuing to do what you have always done.  The reason I started this blog was because I have seen too many people struggling financially. They had no clue how to turn things around. I also think people begin to believe that struggling financially is a way of life. They see other people in the same boat and have accepted it as a norm.  My goal for you is to become empowered and take steps to financial freedom. This isn’t just a catchy phrase, but can be a reality for your life.

I want you to think of your top 3 financial headaches. Write them down. For example, you may have too much debt, not enough in your savings or your credit score is too low. After writing them down, read them out loud. I want you to read them out loud so that you fully acknowledge that these concerns require your immediate attention.

Believe me when I say that you have the power to change your financial position and put yourself on the right track. If you are willing to put in the effort, I guarantee you will see results. Below are the topics that have been covered in my previous posts:

  1. Start Managing Your Money
  2. What is Coming In and What is Going Out
  3. Why Don’t I Have More Money
  4. Creating a Monthly Budget
  5. Money Saving Tips
  6. Make Saving Your New Habit
  7. Don’t Be Afraid to Negotiate
  8. Don’t Spend Money You Haven’t Earned

For those unfamiliar with the posts I invite you to read them all or the ones you think will address your financial situation. The posts contain solid advice as well as action plans.

I am excited for what 2015 has in store. I plan to continue to bring you practical and useful financial tips as we continue our journey to finances made simple.