How to Get FREE Stuff on Your Birthday


Today is August 1st and my birthday is in 10 days!!! In honor of my birthday and all of the August birthdays out there, I am in the process of creating a list of places that give birthday freebies. I was inspired to do this after reading an article about a 35 year old man by the name of Matthew Geniesse who redeemed about $300 in birthday freebies. Basically, all you have to do is sign up (via email) to these places and they send you stuff in the mail and your email. Every year I get something from Loehmanns, Victoria Secret, DSW, Bath & Body Works, and now I have added Benihana to the list because I signed up for their “Chef’s Table Email List” and they sent me a $30 gift certificate to use for my entire b-day month!

Today I signed up for Swagbucks, because I hear you get 50 extra swagbucks for your birthday. I will let you know at the end of the month how everything actually turns out.

Donna Freidman, a freelance writer for Smart Spending blog and Surviving and Thriving complied the list below.

Tips from the pros

There’s an art to grabbing gratis goodies. Keep these strategies in mind:

  • Set up a dedicated email account for birthday swag. Even if a business promises not to sell your info to marketers, it will likely send regular messages about sales and promotions.
  • Sign up for multiple offers, then s-t-r-e-t-c-h that celebration by dining or going out for dessert out as many times as you can in your birthday month. It helps to have friends who don’t mind being the buy-one half of the BOGO offers.
  • Call to make sure the local store accepts an offer (some franchisees opt out of national promotions).
  • Bring your ID and a printout of the offer, and tell the server ahead of time, not after the check has arrived.
  • When dining out, base your tip on what you would have paid, not what you actually paid.
  • Once your child ages out of the kiddie offers, sign him or her up for the appropriate grownup ones.
  • If it’s a “no purchase required” offer, such as a free bath product, don’t feel obligated to buy something. Just say “thank you” and go.

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From the “Love is FREE” Series

5 Lessons About the Way We Treat People

I normally don’t post on weekends. Generally, I spend that time relaxing, spending time with people that I care about, and finding inspiration from other bloggers in the blogosphere. However, this was sent to me and I loved it! It is a great reminder of some things we may sometimes forget. I enjoyed reading these stories and I hope you enjoy them too!

First Important Lesson – Cleaning Lady

During my second month of college, our professor gave us a pop quiz. I was a conscientious student and had breezed through the questions until I read the last one: “What is the first name of the woman who cleans the school?” Surely, this was some kind of joke. I had seen the cleaning woman several times. She was tall, dark-haired and in her 50’s, but how would I know her name?
I handed in my paper, leaving the last question blank. Just before class ended, one student asked if the last question would count toward our quiz grade. “Absolutely,” said the professor. “In your careers, you will meet many people. All are significant. They deserve your attention and care, even if all you do is smile and say “hello.” I’ve never forgotten that lesson. I also learned her name was Dorothy.

Second Important Lesson – Pickup in the Rain

One night, at 11:30 p.m., an older African American woman was standing on the side of an Alabama highway trying to endure a lashing rainstorm. Her car had broken down and she desperately needed a ride. Soaking wet, she decided to flag down the next car. A young white man stopped to help her, generally unheard of in those conflict-filled 1960’s. The man took her to safety, helped her get assistance and put her into a taxicab. She seemed to be in a big hurry, but wrote down his address and thanked him. Seven days went by and a knock came on the man’s door. To his surprise, a giant console color TV was delivered to his home. A special note was attached. It read:

“Thank you so much for assisting me on the highway the other night. The rain drenched not only my clothes, but also my spirits. Then you came along. Because of you, I was able to make it to my dying husband’s’ bedside just before he passed away…. God bless you for helping me and unselfishly serving others.”

Sincerely,

Mrs. Nat King Cole.

Third Important Lesson – Always remember those who serve

In the days when an ice cream sundae cost much less, a 10-year-old boy entered a hotel coffee shop and sat at a table. A waitress put a glass of water in front of him. “How much is an ice cream sundae?” he asked. “Fifty cents,” replied the waitress. The little boy pulled his hand out of his pocket and studied the coins in it. “Well, how much is a plain dish of ice cream?” he inquired. By now, more people were waiting for a table and the waitress was growing impatient. “Thirty-five cents,” she brusquely replied. The little boy again counted his coins. “I’ll have the plain ice cream,” he said. The waitress brought the ice cream, put the bill on the table and walked away. The boy finished the ice cream, paid the cashier and left… When the waitress came back, she began to cry as she wiped down the table. There, placed neatly beside the empty dish, were two nickels and five pennies…You see, he couldn’t have the sundae, because he had to have enough le ft to leave her a tip.

Fourth Important Lesson – The Obstacles in Our Path

In ancient times, a King had a boulder placed on a roadway. Then he hid himself and watched to see if anyone would remove the huge rock. Some of the King’s’ wealthiest merchants and courtiers came by and simply walked around it. Many loudly blamed the King for not keeping the roads clear, but none did anything about getting the stone out of the way. Then a peasant came along carrying a load of vegetables. Upon approaching the boulder, the peasant laid down his burden and tried to move the stone to the side of the road. After much pushing and straining, he finally succeeded. After the peasant picked up his load of vegetables, he noticed a purse lying in the road where the boulder had been. The purse contained many gold coins and a note from the King indicating that the gold was for the person who removed the boulder from the roadway. The peasant learned what many of us never understand! Every obstacle presents an opportunity to improve our condition.

Fifth Important Lesson – Giving When it Counts…

Many years ago, when I worked as a volunteer at a hospital, I got to know a little girl named Liz who was suffering from a rare & serious disease. Her only chance of recovery appeared to be a blood transfusion from her 5-year old brother, who had miraculously survived the same disease and had developed the antibodies needed to combat the illness. The doctor explained the situation to her little brother, and asked the little boy if he would be willing to give his blood to his sister. I saw him hesitate for only a moment before taking a deep breath and saying, “Yes I’ll do it if it will save her.” As the transfusion progressed, he lay in bed next to his sister and smiled, as we all did, seeing the color returning to her cheek. Then his face grew pale and his smile faded. He looked up at the doctor and asked with a trembling voice, “Will I start to die right away”. Being young, the little boy had misunderstood the doctor; he thought he was going to have to give his sister all of his blood in order to save her.

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5 Ways to Make Outlet Shopping More Enjoyable

On Tuesday, I took a trip to the North Georgia premium outlets with visiting family from out of time. My intention was to enjoy girl time with my cousin and Aunts and not to blow my budget.  Maybe a shirt or two, at most.  Certainly, I didn’t anticipate the goodies I would walk away with. Good thing, I knew a few ways to save even more when outlet shopping. Here are some of my tricks.

Bring cash

Bringing cash reduces my chances of overspending. Unlike a card, you can physically see your cash stack dwindle down with every purchase you make.  When people make purchases with cash, they take longer to ponder the value of what they are buying as opposed to mindless shopping.

Begin at Customer ServiceCustomer Service

Customer Service is not only full of pamphlets and maps, but also information regarding sales and special offers. Go here first and pick up a booklet. It should include a list of all of the stores and coupons/special savings to particular stores. I saw a coupon for $15 off, unfortunately it was for a clothing store that I don’t shop.

Don’t Spend All of Your Money in the First StoreShopping

Remember the girl from Confessions of a Shopaholic? She spent ALL of her money on shopping and did not take care of her financial responsibilities. Don’t be like her!! True Story- Once we got to the outlets, my little cousin wanted to stop in a teen clothing store. She was picking up items and I told her, “Don’t spend it all here. Now that we know what they have and what you like, let’s see if any other stores have anything better or for less. If not, and you remember that shirt after we have hit up the other stores, we will come back”.

Use your time wisely

While shopping, one of my aunts pulled out a map of the outlet and highlighted all of the stores she was interested in visiting. The outlet was set up in color-coded zones and paralleled the map provided at customer service. She then wrote down each color section that had stores that we were planning on visiting and then wrote down how many stores were in each color zone. The whole process took about two minutes but it saved so much time in the end. I find that people are extremely excited when they get to the outlets and quickly become overwhelmed and exhausted. This way, you can ensure that you hit the stores you absolutely love and you don’t waste your time randomly looking in other places.

Only buy what you love

Don’t waste money on things you like when you can buy things you love. Often times, I have found myself spending MORE money just because it was a good deal. A good example of this would be the red Jessica Simpson pumps I bought for football season. First of all, I had NOT intended on buying anything. Secondly, I went into a store that was not on the list; although, I am super pleased that I did. Thirdly, I found myself searching for another pair of shoes just because the sales associate kindly mentioned that I could save 50% if I bought another pair for equal or less value. I spent about 5 minutes searching for another pair when it hit me, why would I spend extra money for something that is not in my budget and that I don’t love? Just because it is a good deal does not mean that it is the best deal for you!

What’s Your Go To Shopping Tip?

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College Students: How to Save Up To 80% on your Textbooks

Rent Books from Amazon

As an English major at Spelman College, I could easily spend $500 on books for one semester. It all depended on the classes and professors that I put on my schedule. While some classes required one or two major textbooks that cost a fortune, other classes required several books at a time and no you did NOT get the “hookup” if your professor wrote the book (s/o to Dr. Harper at Spelman College and her Langston Hughes class). Did I mention that I took a full load every semester for two and a half year straight, which meant a lot of books?

Rent Textbooks Electronically from. . .

Luckily, the college students of today do not have to worry about that. Today, Amazon.com announced the launch of Kindle Textbook Rental–now students can save up to 80% off textbook list prices by renting from the Kindle Store. Tens of thousands of textbooks are available for the 2011 school year from leading textbook publishers such as John Wiley & Sons, Elsevier and Taylor & Francis. Students can find details about the program at www.amazon.com/kindletextbooks. Kindle Textbook Rental offers the ability to customize rental periods to any length between 30 and 360 days, so students only pay for the specific amount of time they need a book. Students can also easily extend any rental period in increments as small as one day or choose to purchase the book they are renting at any time. Kindle Textbooks are “Rent Once, Read Everywhere” as they can be read across the most popular devices with FREE Kindle Reading Apps for PC, Mac, iPad, iPod touch, iPhone, BlackBerry, Windows Phone and Android-based devices.

What the folks at Amazon have to say. . .

“Students tell us that they enjoy the low prices we offer on new and used print textbooks. Now we’re excited to offer students an option to rent Kindle textbooks and only pay for the time they need–with savings up to 80% off the print list price on a 30-day rental. We’ve done a little something extra we think students will enjoy. Normally, when you sell your print textbook at the end of the semester you lose all the margin notes and highlights you made as you were studying. We’re extending our Whispersync technology so that you get to keep and access all of your notes and highlighted content in the Amazon Cloud, available anytime, anywhere – even after a rental expires. If you choose to rent again or buy at a later time, your notes will be there just as you left them, perfectly Whispersynced.”

            -David Limp, VP of Amazon Kindle

 

Personally, I believe this can be a great deal! Parents, professors, and students good luck with the upcoming school year! Hopefully, this information provides you with another financial option for purchasing some of your back to school needs.

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The Best Time to Buy a Laptop is…

cute pink laptop

Your computer has been running slow, your keys are stuck, and it might not even turn on. I have even heard that the shelf life of a laptop is about as long as your warranty…lol. Well, it is time to buy a new laptop! So, when is the most economical time to buy one?

Timing is everything…

Did you know that the worst month to purchase a laptop is February. Perhaps it is because the holiday sales have ended and the newer models have yet to hit the stores. While February appears to be the worst time to make this type of purchase, the late winter months and the early summer months aren’t any better. If you can wait, and I am sure you can, Back to School sales are right around the corner.

Special Offers and Discounts

Apple in Education: College students and parents buying for college, as well as K-12 and higher education faculty, are eligible for Apple education pricing. Currently Apple has a promotion that for people who plan to buy a Mac for college. When you buy a new qualifying Mac with Apple education pricing* from June 16, 2011, through September 20, 2011, you’ll get a free $100 Back to School Card to use on the Mac App Store, the App Store, the iTunes Store, and the iBookstore.

Those eligible to purchase from the Apple Store for Education Individuals include faculty, staff, students and parents as follows:

K12 – Any employee of a public or private K-12 institution in the United States is eligible. In addition, school board members who are currently serving as elected or appointed members are eligible. PTA or PTO executives currently serving as elected or appointed officers are eligible.

Higher Education – Faculty and staff of Higher Education institutions; and students attending, or accepted into a Higher Education institution are eligible to purchase. Purchases from the Apple Store for Education Individuals are not for institutional purchase or resale.

Higher Education Parents – Parents purchasing on behalf of their child, who is a student currently attending or accepted into a public or private Higher Education Institution in the United States, are eligible to purchase.

Dell University: According to studentbuyingguide.com , “Once you’re there you have to choose whether you’re a student, student’s parent, alumni or faculty at a higher education institution. You then choose your state and then school in that state. Not all schools are part of the program and each school has their own arrangement with Dell so discounts will vary. In general the discount will be from 5% – 12% off the price of a Dell branded product. When the discount shows up in your cart summary it is referred to as the “EPP Member” discount, which stands for Employee Purchase Program member. It doesn’t mean you’re an employee, it’s really just a bit of marketing to make you think you’re getting a deal similar to what an employee would get.” One thing that would be helpful to remember is that Dell displays the final discount on a product after you have configured it and priced it out.

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Back to School: College Students, Banks, & Credit Cards

Good Morning and Happy Monday! With every week that passes the “Back to School” season is coming closer and closer into view. Parents are seeing the light at the end of the tunnel while students and even some teachers are dreading going back to the classroom. I have been thinking about writing a post like this for a while because I remember all too well the abundance of “FREE” t-shirts, water bottles, and even iPod nanos given to us students at Spelman College to urge us to sign up for credit card offers and bank accounts. Simply put, banks and credit card companies target students and what separates the students who kill their credit earlier on and those who become financially savvy adults is knowledge. What makes it ironic, though, is the idea for this post came from my own memories and experiences as a college student, only to have suspensions of credit card companies and banks confirmed Friday on a visit to Clark Atlanta University for freshman orientation.

Do Not Open an Account without Researching the Bank
I guess in this economy, banks have scaled back on their swag. I saw a few t-shirt being given out, some water bottles, a nice highlighter set, but no iPods (sorry students). Now I’m not saying credit card companies and banks are evil, you just have to know how to play the game. Banks are becoming increasingly aggressive when it comes to recruiting the business of college students. This can be used to your benefit with a little bit of research
and patience because the banks are presenting more competitive offering to beat out the other banks. College students and parents, if the bank cannot offer you FREE checking, FREE online banking, and most importantly for the student, no minimum balance, then walk away because another bank will.

Location, Location, Location
I remember taking a weekend with my parents to drive around the campus and surrounding areas of Hampton University in Hampton, VA. I figured I needed to know how to get to all of my favorite places like Target, restaurants, and the mall. My parents, however, thought it was important that I knew where the closest bank, grocery store, and hair salon (shout out to my mom for trying to maintain my whip appeal) were located. My advice for you is to get acquainted with the area. The bank from your hometown might not be available in the city where you or your student will be attending school, therefore learning the area is important in trying to find the best bank. Now let’s take a moment for the other factors that could influence your decision to pick a bank. Will you be a commuter or resident? Is there a bank already on your campus? Are there shuttle services offered to get you back and forth? Are there any banks located within walking distance? If you cannot physically get to a bank it doesn’t matter whether it is a great one or not.

Credit Cards and the Credit Card Act of 2009
Pay off your credit card balance in FULL each month. By doing this, it forces you to really stop and think about your purchases because resetting your balance each month causes you to buy only what you can afford. American Express, for example, makes cardholders pay in full. Think about it, it is a win- win situation because you don’t fall into the increasing numbers of consumers who are in serious debt due to credit card spending and they get their money on time. The College Board adds, “Credit cards are actually high-interest loans in disguise. Companies may lend you money, but they get it all back and a lot more by charging you fees. Finance charges on the unpaid portion of your bill can be as much as 25 percent each month, and cash-advance fees have even higher interest rates. Annual fees just to carry the card in your wallet range from $20 to $100; there are also late-payment fees, typically $25-$50. Not paying off the entire amount in your account each month can lead to big finance charges.”

It is important to know that a lot of the information written for students and parents about student banking and credit cards was written before President Obama signed the Credit Card Act into law. Now, credit card issuers are banned from issuing credit cards to anyone under 21, unless they have adult co-signers on the accounts or can show proof they have enough income to repay the card debt. That’s right; it’s not just the students’ credit score that is at risk. Bad financial decisions of students will directly affect the credit of their adult co-signer. The Credit Card Act of 2009 also stated that credit card companies must stay at least 1,000 feet from college campuses if they are offering freebies to entice student to apply for credit cards.

To be honest, I didn’t get a credit card until I was weeks before graduating from Spelman College. I waited because I was not sure if I could handle the financial responsibility that I had witnessed other fail. I knew I would already have to worry about my girl Sallie Mae and the student loans I was owe her, so I didn’t want to add the extra stress of credit card debt as well. It worked for me and yes, I recognize that every situation is different. Before applying for a credit card and/or opening a student banking account, do your research. A good starting place would be my 5 Non-Negotiable for Students and Banks. College should be one of the best times of your life so don’t taint it with worries over bad finances. Start smart, create great habits, and end on top.

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5 Money Saving Lessons Learned from Extreme Couponing

…and the #SMCmoneytribe member of the week is… TRACI!

Happy Friday SMC readers! SMC reader, Traci from Flor inspired today’s post. I was checking out some older posts about how to get the most out of coupons, when she commented yesterday on a few lessons she has learned from watching TLC’s Extreme Couponing this past season. I thought they were great tips and I wanted to share them where everyone can benefit.

5 Killer Lessons Learned from “Extreme Couponing”…

The average person will not need to go to the “Extreme”. However, I did learn a few lessons and the series opened my eyes to a different approach to shopping.

  1. Purchasing items when they are on sale as opposed to when you need them. If you are a woman, you will need tampons. Purchase them when they are BOGO and combine with your coupons just makes cents. You may have six boxes under your sink but it is [almost] not doubt they will get used.

2. Coordinate your coupons with store promotions. Most stores do this regularly. Purchase two Sunday Papers (The First Sunday of the month has the most and best coupons). The double coupons are well worth the $3 price and there may be an interesting article in the paper.

3. The retailer with the lowest initial price may not have the best deal. If Walmart has BBQ Sauce for $2.98 ea and Winn Dixie has the same sauce $3.59 at Buy One get One Free. Winn Dixie has the best deal. You have saved $2.37 on WD BOGO vs. purchasing two at $2.98 from Wally-World.

4. You can use double coupons on BOGO items. You have technically purchased two items. If you have two coupons each for $1.00 off the BBQ Sauce, you can use both coupons. Therefore, you actually pay $1.59 for two bottles of BBQ Sauce.

5. I hadn’t really shopped at Winn Dixie in a while, just the occasional in and out run. However, with their Fuel Perks promotions and BOGO, they will more than likely be my grocery retailer of choice. My coworker recently saved $1.10/gallon on gas. Now you do have to use these Fuel Perks at specific gas stations but at $1.10 in savings, you still won’t be able to find a better deal.

It is a new way of approaching shopping. I don’t have a stockpile but I do see the logic in saving on what you can so that when you need to purchase fresh produce at regular cost you still have the savings.

SAVING IS EXCITING!!!

Traci

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The Best Day to Book Cheap Flights is…

Fly in Style Jet Setter

You have decided the destination. I bet you can even picture yourself on the beach sipping something fabulous while rocking your new bikini purchased especially for this moment. What’s next? Well you can’t be a summer jet setter without a flight. So what are you waiting on? Well, a budget savvy frugalista would answer- the best deal on a ticket.

Timing is everything

Did you know the most expensive days to book flights are Fridays and Sundays? My theory is that people are trying to leave after the workweek on Friday and be back before the workweek begins again on Monday. It goes back to simple supply and demand. So when exactly is the best time to buy? Well the answer to that depends on who you ask, however the consensus appears to be either Tuesday or Wednesday. Fare Compare even goes as far to suggest that you purchase your tickets for domestic travel on Tuesday at 3pm (Eastern Time) because prices tend to go up on Thursday for the increased weekend rates. Now it is time to figure out what day you will fly. If you are looking to further your savings and have the availability, try to schedule your flight for Wednesday morning. According to Fare Compare, “Wednesday is one of the three cheapest days, the others are Tuesday and Saturday (Friday and Sunday the most expensive days to travel). The cheapest days to travel internationally are a bit different”.

Discount Tickets

Travel Zoo: this is site the “Google” of travel searches. It allows you to compare multiple travel sites in one search. You simply type in your intended date of departure and whether your trip is one-way or roundtrip and Travel Zoo does the rest.

Hotwire: “No booking fees. Ever” is the motto that they are known for. This site offers deals up to 40% off with a daily feature of called “Today’s Top Deal”. In addition to their great savings, Hotwire features the link, Trip Watcher, which alerts you about price drops on trips that you want.

Travelocity: US cities on sale now for $79+. Just so happens, a “low fare alert” for Atlanta popped up today.

There’s an App for That!

I get emails all of the time for special offers and rates. Let technology work for you by signing up for email updates, signing up for “low fare alerts” from discount travel sites like the ones mentioned above, and check out the App Store and the Android Market. Most of the airline companies have become more technologically savvy and created an app for their loyal customers. It’s worth checking out!

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Man Men Inspired Collection from Banana Republic

It’s Ba-na-nas!!!!

Mad Men Fashion Collection Banana Republic

Banana Republic and AMC are proud to announce the first-ever limited edition “Mad Men” inspired collection for men and women. The collection is designed by Banana Republic in collaboration with “Mad Men” Emmy® Award-winning Costume Designer Janie Bryant and will be carried in Banana Republic’s North American stores and online at www.bananarepublic.com beginning August 11, 2011 (my birthday… yay me!). While I have heard great things about the show, I’ve never actually watched it; however, I am quite familiar with the shows’ fashions and its impact on our culture. Even the folk over at Barbie recognized the trends of the series with their own Mad Men inspired collection:



The Banana Republic “Mad Men” capsule offers a modern take on the cool polish and panache of the 1960s era through the Banana Republic lens of affordable luxury and noticeable quality. The collection features nearly 65 pieces of apparel and accessories for men and women, embodying the style tenants of the time – effortlessly chic, dressed-up American sportswear. What was once old is now new again and take it from me, I can’t wait. According to the press release from Gap, Inc., “The women’s pieces are modern yet lady-like including chic trench coats, tailored dresses, high-waisted skirts, silk tie-neck blouses and statement accessories, like print scarves and leopard print pump heels.” In fact, the pieces described are also some of the feminine pieces that every woman should have in her wardrobe. Click here to see what else made the fashions basic list.

fashion quotes

I hear good things come to those who wait, but you know that can be hard… so for those of you, like me, who want to know what the collection looks like before
August.

Check out some of my favorite looks in this sneak peek courtesy of Banana Republic via the Frisky:

Man Men Fashions from Banana Republic

Mad Men Collection from Banana Republic

Mad Men Collection for Banana Republic

Mad Men for Banana Republic

Mad Men Collection for Banana Republic

Mad Men Collection for Banana Repulic

Want to gain early access to a pre-sale of the full collection? Become a Facebook fan of Banana Republic (facebook.com/bananarepublic) and preview the sale on August 10, 2011.

What do you think about the fashions you saw? Let us know in the comment box!

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