Monthly Archives: April 2015

Financial Literacy Month: How Financially Savvy Are You?

Financial Literacy Month | Money Savvy Living

 

Again, this year, President Obama has issued a Presidential Proclamation declaring April as National Financial Capability Month. You may have also heard it referred to as Financial Literacy Month or Financial Awareness Month… whatever you want to call it, the concept is still the same: becoming educated when it comes to your finances.

 

Because being financially capable, aware, and literate are so important, I have put together a few financial tips that are sure to help get you on a financially sound path:

 

Budget. Know your finances.

 

Being financially savvy starts with knowing your financial situation. The best way to do this is to make a budget. By creating a budget, you will look at your all of your income sources and all of your expenses (money you are bringing in and money that is going out of your account each month). Any money that you have left over, after all of your bills are paid each month is your disposable income. If you find that your bills are more than you are bringing in each month, you are going to need to make adjustments—and yes, you have to include the amount of money that you are putting on credit cards each month.

 

Photo by 401(K) 2012 via Flickr

Photo by 401(K) 2012 via Flickr

 

If you want to know more about budgeting, check out my article on Budgeting Basics: 5 Ways to Get Your Finances Organized

 

Save. Start saving early… the earlier the better.

 

Whenever you receive money, whether it be your salary, a commission, bonus, or gift, save a portion of it. If you can start saving in your twenties, you will be much further ahead by the time you reach retirement than the person who started saving in their thirties… or forties. This is called the time value of money. What it means is that the longer you have money saved away, the more times it will be able to earn interest. Each year that your money is earning interest, the account is growing and new interest is then earned on the new higher principle balance. This compounding effect is the reason that the person who starts a retirement account in their twenties will end up with a much bigger nest egg than the person who starts saving for retirement in their forties.

 

Payday Savings Plan | Money Savvy Living

I have developed the Payday Savings Plan, to help you put a plan in place to start saving every time you get paid. We budget money in to pay our bills, we should also budget money in to pay ourselves.

 

Leverage Debt. Take on debt responsibly.

 

Debt is not good. We all know that. But sometimes, you can utilize debt to your advantage and sometimes a little debt may be necessary.

 

Perhaps you are looking to buy a home. This is the largest debt that most people undertake in their lives. And in many cases, home ownership makes the most sense: you are investing into an asset for yourself and your future, you may qualify for tax breaks on the interest that you pay for your mortgage*, and you are building your credit history (with a history of on-time payments). Getting a mortgage for a home is an example of a time when taking on debt makes sense.

 

Now, let’s look at the flip-side of that. Taking on debt by charging up your credit cards, with balances higher than you can pay off, does not make good financial sense. Credit card interest is not tax deductible, interest is compounded daily, and allowing yourself to have too much debt can actually hurt your credit score.

 

*Consult a professional tax advisor regarding your individual financial situation to see what deductions/tax breaks may apply to you.    

Share the Wealth Sunday Link Up {1}

Share the Wealth Sunday | Money Savvy Living

I am so excited to be a part of the Share the Wealth Sunday Link Up as a co-host now!  I look forward to sharing (and learning!) many great money saving ideas!

Come visit us on social media and say hi!  We’d love to get to know you more!  It would be great if you would follow us too:

Share the Wealth Co Host

Hannah at eat, drink & save money | Facebook | Pinterest | Twitter | Google+ | Instagram

Lisa at Fun Money Finds | Facebook | Pintereset | Twitter | Google+

Gina (that’s me!) at Money Savvy Living | Facebook | Pinterest | Twitter | Google+ | Instagram 

 

Suggested guidelines:

  • Link to anything that can save people money: recipes, DIY, crafts, printables, tutorials, or any and all personal finance/budgeting ideas
  • Leave up to three links that you have not linked up within the last six months
  • Leave specific links to posts (not your entire blog)
  • Do not link to any Etsy shops
  • Grab the Share the Wealth Button for your blog
  • Have fun!  Check out the other great money saving ideas…and share/interact with as many as you can!

 

Feature:

Share The Wealth collage wk1- blocked

 East, Drink & Save Money: Wild Blueberry & Croissant French Toast Casserole

Fun Money Finds: Remodel Monday: What Now?

Money Savvy Living: Budgeting Basics: 5 Ways to Get Your Finances Organized

Round Up:

Each week, I will pick a couple of awesome posts from the week before to share with you.  That will mean additional exposure for your post and blog!

 

Feel free to grab this 150 x 150 button and share on your page to let others know about this link up:

Share the Wealth Sunday grab button

Link Up:

Toggle screen reader support

 Loading InLinkz ...

The One Thing Every Mother Needs to Hear

The One Thing Every Mother Needs to Hear | Money Savvy Living

 

We went on what I like to think of as a “mini-vacation” this past weekend. We took the boys out of school a couple hours early and headed for Chicago.

 

Since the kids have been born, I have to admit that I am not much of a vacationer. It. Is. So. Much. Work. Yes, work… not relaxing. Work. It really seems like I need to take half of the house with me in order to be prepared for anything that we may even possibly think about needing. You know, like diapers, wipes, bottles, snacks, Band-Aids, extra clothing… now that they are getting bigger this is getting a little better…

 

We have gone on a few vacations though—to Disneyworld and the beach, and things went well. For the most part, the kids have always done well. Of course, we do hear the typical things that you would expect to come from the back seat: “Are we there yet?” “I need to use the bathroom!” “Mom, he’s touching my stuff!” Did I mention we have THREE boys?

 

Even though the kids do pretty well and are excited when we go on vacation, I still don’t really feel relaxed though. I mean, it’s a lot of pressure to make sure all three kids actually stay with us so that we don’t come home with only two… or just one…

 

The boys standing by a huge Lego giraffe at Legoland

The boys standing by a huge Lego giraffe at LEGOLAND

 

So on our mini-vacation, this past weekend, we went to Chicago and tried to make it fun for the kids—riding the train into downtown, going to Skydeck Ledge, visiting Legoland… even getting to try authentic Chicago-style deep dish pizza.

 

Yes, we were actually all brave enough to step out over the city at the Skydeck Ledge (photo via: theskydeckledge.com)

Yes, we were actually all brave enough to step out over the city at the Skydeck Ledge (photo via: theskydeckledge.com)

 

But the event that stood out to me this weekend was brunch at the hotel on Sunday morning. It was crowded. Really crowded. There was a long line for the waffle maker, and of course, the kids wanted waffles. There were no tables big enough for our party of five. But there was a table in the corner for two. So I asked an elderly couple sitting close by, if we could borrow a couple of chairs from their table. They indicated that no one was sitting there, so I scooted them over to our table. Ok. Now the kids could be seated while I worked on getting their breakfast and my husband could watch them to make sure no one got away. Whew. See what I mean, even just getting a table for breakfast was work. So I got the boys eggs and some cereal to be eating. Then went back up for extra plates, napkins and silverware. Work. Then back up for water and orange juice. Work. Everyone was happy—sort of, “Mom, can I please have a waffle?” Of course, the little guy only wanted pancakes. And there were no pancakes.

 

By this time, the line died down for waffles, so I put some batter in the waffle maker and even got my husband some eggs and juice to be eating while he made sure no one escaped. Finally, we had a waffle. So everyone was happy. Time to relax and eat my breakfast. Then the little guy spilled his water—and started to cry. I told him it was ok… And as I tried to make my way around the table (it was very crowded, so I had to go past that elderly couple again), that sweet elderly lady stopped me and said,

“You’re a good mom.”

The One Thing Every Mother Needs to Hear | Money Savvy Living

 

I thanked her. I should have hugged her. She will never know how much I needed to hear that. That little bit of encouragement made my day. It was all I needed to realize that this work was my life. My life with little kids that will soon be big.

 

If you see a Mom with little kids, give her a word of encouragement today. It may mean more than you know.

Spring Fling Cash Giveaway: Enter to Win $300

Spring Fling Cash Giveaway | Money Savvy Living

 

 

April Showers bring May flowers… and a little bit more cash in your pocket!  And who couldn’t use a little bit more cash?! Starting Sunday, April 19, 2015, and ending Sunday, April 26, 2015, you can enter to win $300 in cold, card CASH (through Paypal).

Everyone gets ONE free entry.  All you have to do for more chances to win is visit our Facebook pages or follow us on Pinterest.  Easy, right?
Blogger Spring Fling Cash Giveaway  
This giveaway could not be possible without a group of amazing bloggers, including: 
{Click on their names, and you can go take a look at their blog to see what they love sharing with you} 
Starts Sunday, April 19th, 2015 @ 7:00 a.m. Central Time, and ends Sunday, April 26th 2015 at 10:00 p.m. 
central time. 
Open Worldwide 
Prize: ​One winner will receive $300 USD payable via PayPal 
Eligibility and Rules: This giveaway runs from Sunday, April 19th, 2015 at 7:00 AM CST to Sunday, 
April 26th, 2015 at 10:00 PM CST. This giveaway is open to individuals 18 and older.  The winner will be 
chosen randomly through the Rafflecopter form. It is the sole responsibility of the winner to report to and 
adhere to all laws in their respective country, which includes payments to any governing tax body. This 
giveaway is void in any country or territory where it is prohibited by law. 
Claiming Prize: The prize will be sent via PayPal. The winner must have a PayPal 
account to receive it. The winner also must claim their prize within 48 hours of receiving 
notice. If you do not claim your prize within this time frame, your entry will be void and 
another winner will be drawn. Please ensure that  jessica [at] fantabulosity [dot] com is 
on your “safe list.” 
Disclosure: ​This is a blogger-
sponsored event that is in no way affiliated with PayPal, Facebook, 
Twitter, Pinterest, Instagram or any other social media channel. If you have questions, email Jessica at 
Fantabulosity​, at jessica [at] fantabulosity [dot] com 
Please use the Rafflecopter below to enter! None of the entries are mandatory but the more entries you do, 
the more chances you have to win! Running short on time? Come back as often as you like to finish the form 
and maximize your chances of winning the big prize. 
 

a Rafflecopter giveaway

A Day in the Life of a Work at Home Mom

A Day in the Life of a Work at Home Mom | Money Savvy Living

 

I have struggled for years to reconcile my conflicting goals of wanting to be there for my kids as a work-at-home mom and continuing to advance professionally with my career.  Notice, I say “work-at-home mom.”  Whether a mother works outside the home or not is irrelevant—she still works at home. The only difference is income.

 

I never wanted to put my kids in daycare and never have. Not because I think daycare is bad, but because I wanted to be there for them. And I have been fortunate that family members have helped watch the kids over the years when I did work.

 

When our first son was born, my husband was definitely not on board with me staying at home full time. Because I had been at my job for several years, the company that I was working for allowed me to work from home most of the time. I think that it was during this time that my husband actually started liking the fact that I was more involved at home… that meant less for him to help with when it came to dishes, laundry, and helping to make dinner when he got home from work.

 

Then our second son came along. At this point, we made the decision that I would work only part-time. Plus, getting family members to babysit two small children was not going to be as easy as it was just one… it is a lot of work.

 

So, when baby number three came along, we decided that I would stay home full time. Now, keep in mind that each of these moves for me to work less outside-of-the-home had a huge impact on our budget and finances.  We have had to make lifestyle adjustments: not eating out as much, not taking a vacation every year… but having this time with my kids—totally worth it.

 

My kids are my world and I love them with all my heart, so having the opportunity to be at home with them has been absolutely wonderful, but I still had that desire for career advancement. I just couldn’t be content to be a stay-at-home-mom. I don’t know why. After all, it is what I wanted. Even though taking care of three active little boys is a lot of work, I just didn’t feel like I was doing enough. I had a job since I was 16 years old. At this point, I really felt like part of my identity was gone.

 

So I started writing finance articles online, then I started a blog… and then something wonderful happened, I started making money for doing this! I really had no idea that it would be possible to do something that fits into my schedule that I could be paid to do something that started out as simply a means to stay relevant professionally.

 

All of this brings me to today. Today was the first day that was warm and sunny and, while my two oldest boys had to go to school, the little guy did not have preschool today… and he knew exactly what he wanted to do—go outside. And we did. For four hours. I literally had to drag him in the house for lunch. But as we did all the things that he wanted to do: ride his tricycle, went for a walk, and stopped on our walk to throw rocks in the pond, I felt so very blessed to get to enjoy this time with him, just as I have my other kids. Yes, I had other stuff I could have been doing… writing articles, doing laundry or dishes, cleaning, but that stuff was all there for me when we got back.  Those chores didn’t miss the fact that I wasn’t paying attention to them, but I’m sure my little boy would have noticed.

Having fun throwing rocks in the pond... something so simple, but look how happy he is... LIFE IS GOOD.

Having fun throwing rocks in the pond… something so simple, but look how happy he is… LIFE IS GOOD.

He actually wanted to go for a walk in the stroller-- at least I got a little exercise in too!

He actually wanted to go for a walk in the stroller– at least I got a little exercise in too!

 

I don’t want to be the parent that is just there physically. I want to be there for my kids, interacting with them and letting them know that they are more important than any of the other things that I have on the to-do list. Today was a wonderful reminder to me that LIFE. IS. GOOD.

5 Tips to Make More Money from Your Garage Sale

5 Tips to Make More Money from Your Garage Sale | Money Savvy Living

 

Getting ready for a garage sale can be a huge undertaking. It actually takes a lot of time and energy preparing and planning. So you don’t want to waste your time putting a great garage sale together, and then not make any money from it. So here are some tips to help you maximize your efforts and make as much money as possible.

 

Participate in community garage sale days

The absolute best time to have your garage sale is during the days that your community has set aside as designated garage sale days. Typically, communities notify local newspapers of community events, such as garage sale days, so a lot of people will be anticipating the event and are probably planning to attend, so this is your best opportunity to get the most traffic through your garage sale. I know that if I’m going to spend time going to garage sales, I want to be able to make the most of my time and get to as many as possible. Of course, you can have a garage sale any time, but the turnout may not be as good.

If your community doesn’t have garage sale days, then it would also be advantageous to have a your own garage sale while other community events are going on, such as a fair or festival, that may draw a crowd to your community—more cars driving by, more potential for people to stop by your garage sale.

Another option would be to get together with a few of your neighbors and have your own multi-family garage sale days. Several households having garage sales is more appealing to attenders, so this may help draw a bigger crowd as well.

 

Market your goods

5 Tips to Make More Money from Your Garage Sale | Money Savvy Living

It can be very helpful to give people an idea of what kinds of goods are at your garage sale by putting a sign out highlighting what types of items you have the most of. When I have a garage sale, I put a sign out in my yard with some of the items that I think will be more sought-after, in order to draw more people in. For example, I list some of the major components of my garage sale: baby items, boy clothes (sizes 12 mos – 3T), maternity, household goods.

 

Be prepared

If your community has annual garage sale days, and you have participated before, you know that garage sale-goers are early risers. The early bird gets the worm, right? In this case, the early bird can swoop up the best deals. If you open up a half-hour or hour before other garage sales, you have the opportunity to get some of the early garage-salers before they stop at other garage sales—giving yourself a better opportunity to make some early sales.

Besides being ready early, make sure that you have plenty of small bills and coins so that you can make change. This one may sound obvious, but I have been to garage sales before that couldn’t give me change for a $10. Guess what, they lost a sale—and you will too if you don’t have enough change to offer people who may want to buy your stuff. I suggest starting out with $50 in: a few $5’s, but mostly $1’s and quarters.

 

Organize the goods you are selling

5 Tips to Make More Money from Your Garage Sale | Money savvy Living

Every year that I have a garage sale, I get comments on how organized my garage sale is. When I go to a garage sale, I know that I don’t want to sift through large boxes that have a bunch of clothes or toys just thrown in there. I figure if they didn’t bother to organize it, it must be junk—and not worth my time or money.

5 Tips to Make More Money from Your Garage Sale | Money savvy Living

I organize tables by category: baby items, baby/toddler/kids clothes by size—separating boy and girl clothes, household, etc. I also have prices clearly marked on each item or by table. I always have some items out of the garage that are bigger items that may help to draw more people in: baby play pens, strollers, grills, etc. For bigger, nicer items that I want to get more money on, I put on hangers and display on racks so they can be seen easily. A little time to organize can go a long way in getting your stuff sold.

 

Sell refreshments

5 Tips to Make More Money from Your Garage Sale | Money savvy Living

This is the part of the garage sale that my kids absolutely love, mainly because they get to keep the money that they make selling refreshments. This is such a great way for the kids to actually do something to earn some money during the summer too. And believe it or not, refreshments are a huge seller at a garage sale—especially if it is hot. We don’t make any of the refreshments, primarily because I wouldn’t personally buy anything that was homemade from a home that I wasn’t familiar with, so we opt to buy individual bags of chips, crackers, and cookies, cans of soda-pop, and bottles of water. We stock up on these items that we get from Sam’s Club, so that we can still sell them for a low price, but can also make a little bit of profit too. It is also a bit of summer math practice for my boys because they collect the money and make change for their customers.

 

The Beauty of the Easter Story

 

The Beauty of the Easter Story | Money Savvy Living

 

As with any holiday, it is easy to get caught up in the traditions, family gatherings, and events of the season and forget the meaning of why we celebrate the day.  The kids love coloring eggs, hunting for Easter eggs, and of course, eating the chocolate bunnies.  But the true significance of Easter is so much more.

 

When they came to the place called the Skull, they crucified him there, along with the criminals—one on his right, the other on his left.  Jesus said, “Father, forgive them, for they do not know what they are doing.” And they divided up his clothes by casting lots.

The people stood watching, and the rulers even sneered at him. They said, “He saved others; let him save himself if he is God’s Messiah, the Chosen One.”

The soldiers also came up and mocked him. They offered him wine vinegar and said, “If you are the king of the Jews, save yourself.”

There was a written notice above him, which read: this is the king of the jews.

One of the criminals who hung there hurled insults at him: “Aren’t you the Messiah? Save yourself and us!”

But the other criminal rebuked him. “Don’t you fear God,” he said, “since you are under the same sentence? We are punished justly, for we are getting what our deeds deserve. But this man has done nothing wrong.”

Then he said, “Jesus, remember me when you come into your kingdom.”

Jesus answered him, “Truly I tell you, today you will be with me in paradise.” –Luke 23:33-43

 

Reading this particular passage of the Easter story always brings a tear to my eye. I remember being a little girl and asking my mom to read this part over and over again. I cannot help but feel the immense amount of love that Jesus has for us, that he was willing to take the pain, humiliation, and punishment of a common criminal—as the ultimate sacrifice for our sins—when he had done nothing to deserve death.

But the beauty of the Easter story doesn’t stop there.

In this slow and agonizing death, the Son of God took all of our sins, our sickness, and our iniquities upon himself.

He faced death, so that we could have life. Eternal life with him in Heaven.

In this ultimate act of love, Jesus did everything that we need to be saved from our sin and the punishment that we deserve. Jesus’ death on the cross provides the gift of salvation; all we have to do is make the decision to accept that gift.

Birthday Freebies: 105 Places to Get Free Stuff for Your Birthday

Birthday Freebies: 105 Places to get FREE Stuff for Your Birthday
Birthday Freebies: 105 Places to get FREE Stuff for Your Birthday // Money Savvy Living

 

We just celebrated our second-born son’s birthday this week—the big 7!  Of course the advent of a birthday in our house is a big deal for the kids.  They even get excited about my birthday and my husband’s birthday.  As adults, we are sort of lackluster about our own birthdays, because, well, we are just getting older.  But the kids are excited because they get to eat cake (which we really don’t have expect for birthdays).  And, of course, they still talk about how fun it was the year that daddy chose to go to Chuck E. Cheese for his birthday—an obvious choice for an awesome dad.  THE. KIDS. LOVED. IT.  High-five to my hubby for that one.

 

Many retailers also join in the birthday fun.  If you sign up for that particular store or restaurant’s birthday club, or even if you have a store credit card, you can get free offers for your birthday.

 

Here are a few of my favorites:

  • Bob Evans: free kid’s meal for your child, when you enroll your child in the birthday club
  • Kohl’s: $10 to spend on a $10 purchase
  • Express: $10 to spend on a $10 purchase
  • The Limited: Discount offer during your birthday month
  • Ann Taylor: $15 to spend on a $15 purchase

 

In addition to my favorite birthday freebies, The Penny Hoarder has put together the ultimate list of 100 Places That Will Give You Free Stuff on Your Birthday. Check out their list for more great opportunities to get freebies for your birthday:

 

  1. A&W All American Food – Get a free root beer float on your birthday by joining the Mug Club.
  2. Ace Hardware – Receive a free $5 off coupon when you join Ace Rewards.
  3. AMF Bowling – Get xsome free bowling by signing up with the AMF Pinsiders Club.
  4. Applebees –  Sign up for their Email Club and get a free dessert on your birthday.
  5. Arby’s – Get a free milkshake on your birthday when you register with Arby’s.
  6. Atlanta Bread Company – Get a free cookie on your birthday when you join their Loyalty Program.
  7. Au Bon Pain – Join their eClub and get a free birthday lunch.
  8. Auntie Anne’s – Sign up for Pretzel Perks and get a free pretzel on your birthday.
  9. Aveda – Receive a birthday gift valued at $20 when you  join Aveda’s Rewards Program.
  10. Bare Escentuals – Join the Friends and Benefits Program and they’ll send you a gift on your birthday.
  11. Barnes and Noble (Kids) – Sign up for the B&N Kids’ Club and your child gets a free cupcake on his/her birthday.
  12. Baskin Robbins – Join their Birthday Club and get free ice cream on your birthday.
  13. BD’s Mongolian Grill – Get a free entree on your birthday when you join Club Mongo.
  14. Benihana’s – Register for the Chef’s Table and they’ll send you a $30 birthday certificate.
  15. Bennigan’s – Receive a BOGO entree as well as a free dessert when you sign up for their  E-Club.
  16. Big Boy – Join their Email Club and get a free dessert on your birthday.
  17. Bonefish Grill – Become a  BFG Insider and get special offers on your birthday.
  18. Boston Market – Join the VIP Club and get a special birthday surprise.
  19. Buca di Beppo – You’ll receive a free pasta on your next visit as well as a $20 birthday gift for joining their eClub.
  20. Buffalo Wild Wings – Get a free birthday dessert when you join the Buffalo Circle.
  21. Captain D’s – Get a special offer on your birthday when you join  D’s Club.
  22. Carrabba’s Italian Grill – Join Carrabba’s Amici Club and get a free appetizer as well as a coupon for a BOGO Free entree.
  23. Chick fil a – Become an Email Insider and get a special birthday offer.
  24. Chili’s – Get free chips and guacamole when you join their  Email Club.
  25. Chuck E. Cheese – Join the Chuck E. Cheese Club and get free tokens to help celebrate your child’s birthday.
  26. Cinnabon – Subscribe to Club Cinnabon and get a special gift on your birthday.
  27. Cold Stone Creamery – Get a BOGO coupon for your birthday by signing up for the My Cold Stone Club.
  28. Country Buffet – Sign your child up for the  Birthday Kids Club and they’ll receive a free meal on their big day.
  29. Cracker Barrel – Go to Cracker Barrel on your birthday and get a free dessert.
  30. Culvers – Enjoy a free birthday treat when you sign up for the Culver’s eClub.
  31. CVS – Join the Beauty Club and get $3 Extracare bucks on your birthday.
  32. Dairy Queen – Receive a free Blizzard on your birthday by signing up for the Blizzard Fan Club.
  33. Dave & Busters – Sign up for Dave & Buster’s Rewards and get $10 in free game play.
  34. Denny’s- Stop by Denny’s and get a free Grand Slam on your birthday (with ID)!
  35. Disney Movie – Get 100 free points for your birthday when you sign up for Disney Movie Rewards.
  36. Don Pablo’s – Get a $10 gift card on your birthday when you become a Habaneros Member.
  37. Dunkin’ Donuts – Get a free beverage on your birthday by signing up for the DD Perks Rewards Program.
  38. Einstein Bros. Bagels – Get a free bagel on your birthday when you join the club.
  39. Firehouse Subs – Show up on your birthday and show ID for a free medium sub!
  40. First Watch – Get a free entree when you sign up for the Sun eClub.
  41. Friendly’s – When you become a Best Friends of Friendly’s  member, you’ll receive a free Happy Ending Sundae on your birthday.
  42. Fuddruckers – Get a special birthday offer when you join the Fudds Club.
  43. Great American Cookies – Join CookiE-mail and get a free cookie on your birthday.
  44. Hallmark – Get a free card and a coupon for 20% off one item when you become a Hallmark Crown Rewards member.
  45. Hard Rock Cafe – Sign up for Hard Rock Rewards are get free dessert on your birthday.
  46. Helzberg Diamonds – Request a catalog and sign up for email updates to receive a birthday surprise.
  47. Hooters –Join the Club and get free wings on your birthday.
  48. IHOP –  Sign up and receive a free stack of pancakes on your birthday!
  49. Jack in the Box –Register and receive a special offer on your birthday.
  50. Jersey Mike’s Subs – Get a free sub and drink when you sign up for their Email Club.
  51. Joe’s Crab Shack –  Register with Joe’s Crab Shack and receive a birthday treat.
  52. Kmart – When you sign your child up for the Birthday Club, they will receive a special gift pack as well as $5 in Birthday Bucks.
  53. Krispy Kreme – Join the e-Club and receive a free donut on your birthday.
  54. Longhorn Steakhouse – Create a My Longhorn account and get a free birthday treat.
  55. Macaroni Grill – Sign up for the Email Club and get a free dessert on your birthday.
  56. Maggie Moo’s – Sign up for MaggiE-mail and get a free birthday surprise.
  57. Marie Callender’s- Join the E-Club and get a free slice of pie and $5 off your check on your birthday.
  58. Medieval Times – Receive free admission when you join the Birthday Fellowship and the King’s Court
  59. The Melting Pot – Join Club Fondue and get a voucher for free chocolate fondue for two on your birthday.
  60. Moe’s Southwest Grill – Get a coupon for a free birthday burrito when you join their eWorld.
  61. Noodles & Company – Get a free dish on your birthday by joining their EClub.
  62. Not Your Average Joe’s – Get a free birthday surprise when you sign up for their Email Club.
  63. Olive Garden – Get a complimentary appetizer or dessert on your birthday by signing up for their eClub
  64. On the Border – Get a special birthday offer when you sign up for Club Cantina.
  65. Panda Express – Register to receive emails and get an exclusive offer on your birthday.
  66. Panera – Join MyPanera and get a free pastry on your birthday.
  67. Perkins – Get a free slice of pie on your birthday when you sign up for their E-club.
  68. P.F. Chang’s – Sign up for the Email List and get a free slice of cheesecake on your birthday.
  69. Pinkberry – Sign up for a Pinkcard and receive a free small yogurt on your birthday.
  70. Qdoba – Receive a special birthday gift when you register for their Rewards Program.
  71. RedBox – Get the Redbox Play Pass and receive a free birthday rental.
  72. Red Lobster – Receive a birthday surprise when you Join the Club.
  73. Red Robin – Register for their Rewards Program and get a free birthday burger.
  74. Rita’s Italian Ice – Sign up for their Birthday Club and get a free birthday treat.
  75. Ruby Tuesday –Sign up with Ruby Tuesday and score a free burger on your birthday.
  76. Sbarro – Get free pizza on your birthday by joining their e-Club.
  77. Sephora –Register with Sephora and receive a free gift on your birthday!
  78. Smashbox – Register for the Pretty Points Program and receive a free gift during your birthday month.
  79. Sonic – Create a My Sonic Profile and receive a special treat on your birthday.
  80. Sonny’s BBQ – Get a free Big Deal Meal on your big day by joining the ‘Q Crew.
  81. Souper Salad – Register for Souper Perks and get a free meal during your birthday week.
  82. The Spaghetti Warehouse – Join the Warehouse Club and get a free meal on your birthday.
  83. Starbucks – Get a free birthday drink by signing up for Starbucks Rewards.
  84. Steak ‘n Shake – Join the eClub and get a free menu item on your birthday.
  85. Subway – You’ll receive a free 6 inch sub and drink on your birthday when you join the Subway Eat Fresh Club.
  86. Swagbucks – Get 50 free Swagbucks on your birthday.
  87. TCBY – Join the TCBY eClub and receive special offers on your birthday.
  88. Texas Roadhouse – Sign up for their Email Club and get a birthday gift.
  89. TGI Friday’s – Join their Give Me More Stripes program and get a free dessert on your birthday.
  90. Tony Roma’s – Join the Roma Rib Expert Club and get a free entree on your birthday.
  91. Toys R Us – Join Rewards R Us and your child will receive a free card and gift every year until his/her 10th birthday.
  92. Tropical Smoothie Cafe – Join Club Tropical and get a special birthday offer.
  93. ULTA – Receive a free CK One mascara by signing up for their Loyalty Rewards Program.
  94. Uno Pizzeria & Grill – Join their Email Club and get a free entree on your birthday.
  95. Victoria’s Secret – Sign up for an Angel Card and get a birthday gift worth $10.
  96. Waffle House – Become a member of the Waffle House Regulars Club and receive a free waffle on your birthday.
  97. Wienerschnitzel – Join the Wiener Lovers Club and get a free coupon each year on your birthday.
  98. Wingstop – Get a free order of seasoned fries on your birthday when you sign up for their Email Club.
  99. Yogurt Mountain – Join the YOMO Club and get free yogurt on your birthday.
  100. Zaxby’s – Get a free Nibbler on your birthday by signing up for the Zaxby’s Email Club.

Birthday Freebies: 105 Places to get FREE Stuff for Your Birthday // Money Savvy Living