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

Start Managing Your Money

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There are many conversations that take place around money. The topics range from making money, not having enough money and all the ways we find to spend money. Another topic that needs to be added to the conversation is managing money.  I have a Bachelor of Science degree in Finance and Marketing from Drexel University, and I understand that thoughts of managing money can be scary. For many the phrase “managing your finances” sparks thoughts of investing in stocks, bonds and other financial instruments. Some believe that this is a science that they will never master and usually shy away. There is no reason to be scared.

You can take small steps in your journey of understanding and mastering your financial situation. You don’t need to aspire to be the next Wall Street superstar, but you can be a successful manager of a household budget. In the past 20 years I have gone from not having 65 cents in my pocket to buy a soda on a hot summer day, to being a financially stable homeowner with a luxury car parked in the driveway. I have learned a lot during this time and I want to share it with you.

I want to start with having you evaluate your current financial state. If you are making more money than you can spend, this blog may not be for you. For the other 99% of America, I have practical tips that can improve your financial situation and increase your quality of life. Yes, I am saying that improving your financial outlook can make your life better. Think about it, what if you could decrease the stress in your life that is associated to money? Wouldn’t your life be better?

I want to help you learn about managing money in a way that may be new to you.  It will take some effort but I assure you that implementing some practical techniques will pay off. So let me help you, make your finances simple!