"Goals are dreams with deadlines" -- Diana Scharf

Showing posts with label free stuff. Show all posts
Showing posts with label free stuff. Show all posts

Friday, July 19, 2013

Sometimes, You Get What You (Don't) Pay For


Mr. W’s younger brother, K, has a knack for acquiring free stuff.  He’s a world-class schmoozer so everyone loves him.  As a result, whenever people have free stuff they’re looking to give away (sports tickets, fancy clothes, TVs, you name it), he’s the first person they contact.  I’m pretty certain someone even gave him a free boat, though I could be wrong about that one.   


We’ve been lucky enough to benefit from some of K’s charisma and resourcefulness.  Each year, when K returns from college, he collects an assortment of unwanted things that his roommates would otherwise throw out.  Last year, he gave us a window-unit air conditioner.  Apparently, some roommate thought it would be too much of a “hassle” to take the air conditioner with him when he moved out.  We had been planning to buy an A/C for our living room, so K’s freeloading saved us $150-$200.  Thanks, K, for keeping our living room cool and comfy! 
 
This summer, we decided it was finally time to buy an air conditioner for our kitchen.  We’d tried to resist getting another air conditioner.  We already have three window units, which seems like a lot for a four-room apartment.  But we just couldn’t stand the temperature in the kitchen.  On a mild summer day, it averages 86 degrees.  On a brutally hot day, such as those we’ve been having recently, the kitchen temperature creeps closer to 95, even if we make an effort not to use any heat-generating appliances.  

We were having dinner with Mr. W’s parents and they mentioned that K had brought home yet another free air conditioner from school.  K wasn’t planning to use it since he already had one.  K wasn’t home at the time, but Mr. W’s parents offered it to us.  It would save us another $150-$200.  Awesome, right?  Everyone loves free stuff. 

At 8:30 PM on a Sunday evening, we trekked home with the air conditioner and started the long process of installing it in our kitchen window.  Having lived in 1920s houses his entire life, Mr. W is a pro at installing window-unit air conditioners.  He installs at least half a dozen every summer.  Let’s just say that installing this particular A/C was quite an ordeal. 

For starters, our kitchen window looks like this:

 



 
Yep, it’s a really small window.  And it’s about 8 feet above the ground.  It’s also usually blocked by a 4’ x 3’ kitchen island, which currently holds our wedding registry gifts (not pictured, above).  All 19,000 pounds of them.  Here is how our evening progressed:

8:30-9:00 PM: Move all items off of kitchen island.  Move kitchen table to make room for kitchen island.  Move kitchen island to allow access to window.  Start to feel anxious about all the miscellaneous appliances that are now scattered around our apartment.  (Okay, this was just me.  Mr. W does not have issues with clutter)

9:00-9:15 PM: Discover that window is too small to install A/C without removing the bottom window pane.  Remove bottom window pane.  Balance precariously on kitchen chair, while lifting air conditioner into window.  Discover that there is now a slight gap between top of window and top of air conditioner.  Thus, there is no way to secure the A/C in the window. Decide to try wedging some planks between the window and A/C to eliminate the gap. 

9:15-9:45 PM: Mr. W drives to his parents’ house to pick up planks. 

9:45-10:15 PM: Once again, balance precariously on kitchen chair while lifting A/C into window.  Successfully wedge planks between window and A/C.  Unit now fits securely in window.  Mr. W tries to use screwdriver to screw A/C in place. We’ve manually screwed in every other A/C in our apartment, but it’s just not working in this case. 

10:15-10:40 PM: Mr. W drives to parents’ house to pick up his power drill.  In the meantime, I’m standing on the chair, holding the A/C in place above my head (keep in mind, it’s over 90 degrees during this entire ordeal) 

10:40-11:00 PM: Mr. W returns with the drill and screws the A/C into the window pane.  We plug the A/C into the outlet.  With bated breath, we press the “ON” button.  The A/C turns on for one enticing second, then switches off again.  We tried resetting the outlet, and still the same thing happens.

11:00-11:30 PM: We wonder if there could be something wrong with the outlet.  Perhaps the A/C voltage is too high for that particular outlet?  Mr. W does some Googling but his research is inconclusive.  We decide to try plugging the A/C into another outlet.  The A/C cord isn’t long enough to reach another outlet, so we disconnect the extension cord from another appliance.  We plug the A/C into an outlet we use daily.  Still nothing. 

 
At this point, we were done troubleshooting.  We were both tired, cranky, and dripping sweat.  I was still feeling anxious about the fact that there was a KitchenAid stand mixer on our guest bed (We weren’t inviting anyone over.  What was the big deal?)  Our kitchen island was where the kitchen table usually went.  Our kitchen table was blocking the front door.  We moved those back into place so we could leave for work in the morning.   We left the A/C in the window, figuring we’d ask K if he knew why it wasn’t working. 

The next day, Mr. W called his brother K.  He explained our difficulty and asked K if he had ever used the free air conditioner.  After a long pause, K said, “Oh man…I don’t think that A/C will work.   It was sitting outside in the rain for three days.” 

 
Oh boy.  I’m not sure why that A/C was sitting in the rain for three days (???!).  And none of this is K’s fault.  We just appreciate his generosity.  He hadn’t been home when Mr. W’s parents offered us the A/C, or else he would have warned us accordingly.   But Mr. W and I both felt like schmucks for not testing the A/C before going through the trouble of installing it in our kitchen window. 


The very same day, we went to Home Depot and spent $170 on a new air conditioner.  After removing the free inoperable A/C, installing the new one was much easier.  As far as we’re concerned, it was the best $170 we’d ever spent. 

Moral of the story: if you accept something free, confirm that it works before you waste a lot of time or effort.   
Have you ever received something free that turned out to be too good to be true?

Thursday, March 14, 2013

How I Sent Flowers to My Mom...and Made Money in the Process

When I went to college, I moved 3,000 miles away from my family.  My parents always knew I would go away to school, so they weren’t surprised when I left sunny California to attend college on the East Coast.  But my extended family felt a little abandoned.  Even now, eight years later, they still plead with me to move back to California.  The long distance is difficult, especially now that my grandparents are getting older and their health is declining.  There are days when I feel very guilty for having moved so far away and for missing so many family functions as a result of the move. 

As much as possible, I’ve sent flowers to female family members for every major occasion or life occurrence (birthdays, Mother’s Day, after a surgery).  Admittedly, there are cheaper ways to acknowledge special occasions.  Sending flowers is notoriously expensive, especially around major “Hallmark holidays.”  However, it’s one of the ways that I let family members know I’m still thinking of them despite the distance.  Maybe I'm just trying to appease a guilty conscience, but I think it truly makes them happy.  One of my grandmothers – the really frugal one -- always calls to thank/scold me, saying “You shouldn’t have wasted your money.  Too expensive.”  But, as soon as she hangs up with me she calls my mom to brag that she received flowers. 
 
I think this means that I should keep sending the flowers. 

Nonetheless, there’s a financial implication to this gesture of caring.  Spending $50-$70 to send a bouquet of flowers will definitely add up quickly.  Just recently, I discovered a way to send flowers for free. 

In my day-to-day shopping, I use my credit cards on a regular basis*.  I know that many personal finance experts would discourage this.  However, I pay off the balance in full every month so I don’t see the harm.  Discover is my card of choice because it has a great cash rewards program**.  Last year, I earned over $500 in Discover cash rewards.  Those cash rewards can be redeemed as a statement credit, direct deposit, or a merchandise card.

My mom recently had a minor medical procedure performed, and I thought it would be nice to send her some flowers.  Here’s how I did it without spending a dime of my own money.  In fact, I actually earned a few dollars that I can use in the future.  I've even included visual aids so you don't think I'm making this up!

How I Sent Free Flowers:

1. As of March, had a $40.03 balance of available Discover Cashback (ie, rewards credit), accumulated from earlier purchases on my Discover card.

2. Redeemed $40.00 of Discover CashBack for a $50.00 ProFlowers merchandise card. 



3. Logged on to www.ShopDiscover.com, and selected ProFlowers from the retailer list.  Noticed that ProFlowers was offering 20% Discover Cashback for all purchases initiated through ShopDiscover.  Clicked through to the ProFlowers website.  (See below for more on using ShopDiscover).


4. Selected a cheerful flower arrangement for my mom.  It was nothing extravagant, but I thought she would like it.  It was originally $49.99, but was marked down to $29.99 for an Easter special.  It also included a free vase, which I liked (the last thing I wanted was for my mom to dig around for a vase while she was supposed to be recovering).

5. After shipping/handling and tax, the order total was $50.24.  Redeemed my $50 ProFlowers merchandise card.  This left a balance of $.24, which I paid with my Discover card. 

6. A few days later, received an email from Discover informing me that I had earned $6.00 of additional rewards credit by using ShopDiscover.   Wait...what?!!!  Apparently, the 20% rewards credit was applied to the merchandise total of $29.99 (ie, the cost of the flower arrangement), even though I only paid $.24 on my Discover card.  How awesome is that?!


7. Once my next statement arrives, my Discover rewards balance should reflect an additional $6.00 earned from using ShopDiscover and ProFlowers.  Once I’ve accumulated enough rewards, I can redeem the rewards and send another free bouquet of flowers...just in time for Mother's Day!


Notes:
*I try to pay with cash at mom-and-pop businesses so that the credit card fee doesn’t eat into their profits.

 
**Discover currently has a three-pronged rewards program.  As with all rewards programs, this is subject to change without notice.  This is my best understanding of the rewards program:

1.       1% Program: The first $3,000 of purchases earns .25% Cashback.  Once you’ve spent $3,000, every purchase earns 1% Cashback. 

2.       5% Cashback Bonus Program: Earn 5% Cashback on certain categories of expenses (ie, groceries, travel, home improvement), according to a rotating rewards calendar.  For instance, cardholders earn 5% Cashback on up to $1,500 in restaurant and movie purchases made from January 1, 2012-March 31, 2013.  There is usually a limit to how much Cashback you can receive through the 5% program. 

3.       ShopDiscover: Discover calls ShopDiscover its “online shopping mall.”  Discover partners with hundreds of retailers, all of whom offer 5%-20% Cashback if you access their website through www.shopdiscover.com and pay with your Discover card.  Typically, the Cashback percentage only applies to the merchandise total (ie, not taxes or shipping).   It's also only available for online purchases. 

Once you accumulate at least $20 in Cashback rewards, there are several ways to redeem your rewards: statement credit, direct deposit, or merchandise credit.  If you choose statement credit or direct deposit, you get the exact value of your reward.  For example, if you have $50 in reward credit, you can get a $50 statement credit or have $50 deposited into your bank account.  I usually choose the merchandise credit because you get a better bang for your buck.  There are several retailers – such as ProFlowers and Banana Republic – that will offer a $50 merchandise credit in exchange for $40 of Discover rewards credit. 

 *** This post is not sponsored or endorsed by Discover Card is any way. 


If you use credit cards,  what are some of your favorite rewards programs?