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Free Your Mind and Your Wallet Will Follow


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Free Your Mind and Your Wallet Will Follow

  1. 1. Free Your Mind and Your Wallet Will Follow
  2. 2. Spending vs. Saving Please don’t confuse spending with saving. The only true way to save is to not spend
  3. 3. “These boots are regular price $150 but they’re on sale for $100. I’m saving 50 bucks!”
  4. 4. Sure that’s an Investment? Be careful. You’ll hear the word “investment” being thrown around when it has nothing really to do with the true definition of the word. The word “invest” is often used when people spend more than they know they should and want to convince others as well as themselves that they made the right decision from a financial standpoint.
  5. 5. Definition: Investment Basically, something that will earn value or money in the future. Requires a tradeoff for something now to receive something in the future.
  6. 6. Look But Don’t Touch! Studies show the longer a person touches an object, the greater the value is for that item. Meaning the longer you touch something, the more likely you are to buy and pay even more for it than its sticker price —irrespective of if you even have a need for it.
  7. 7. Real Life Examples  Car dealerships  Costco, Sam’s Club (free samples)  Furniture store  Yard/Garage Sales & Flea Markets  Pretty much any clothing store  Any more?
  8. 8. Take the Free Sample and Run! Obviously, free samples are supposed to encourage you to buy that product. But, the chances of you buying the product increase if you have a conversation with the vendor. Yes, that relationship, despite how small and harmless, from friendly chit-chatter often leaves you with a sense of obligation to buy.
  9. 9. Side Note: Beggars have mastered this. Notice many will try and hold your attention for as long as possible – sometimes offering to tell jokes or a story/explanation of their hardship – making you feel like you at least owe them something for your time.
  10. 10. The Fear of Missing Out Retailers like Costco are infamous for selling an item for a short period and then taking it away to never be seen again. Couple that with the assumed discount you’re getting because you’re shopping at a warehouse club store and the temptation might be too strong to escape.
  11. 11. Read Between the Signs Be careful of loud signage that screams “low price” or “hot deal”. It can give you the false impression of a bargain that’s not even there. Another tactic, “bargain” bins of a mix of stuff with big signs and a single digit price.
  12. 12. Sneaky Economics 101  Remember the supply and demand curve? When supply is up, price is down. That’s how we tend to think so that’s why retailers like to display a lot of one thing in big piles or stacks. Our line of reasoning is that there is so much of it, it must be at a bargain. Wrong. The reverse tends to happen when we see few of one item.
  13. 13. We’re Already Here, We Might as Well Shop Warehouse Clubs don’t have many locations and many times people will make a trip out of visiting them. If you view the trip as longer then a normal trip to the grocery store you might be inclined to spend more. Plus, you’re likely to spend some time there browsing around. Who goes to Disneyland for two rides? Plus, the stores are so huge you want to explore every nook and cranny.
  14. 14. Don’t Be a Glutton Warehouse Clubs allow you to buy products in bulk. But sometimes when we have so much of something we tend to be wasteful of it.
  15. 15. Dirty Little Store Stores often jack up prices to maximize profits An anonymous Target employee admitted if something is selling really well at, say, $9.99 the store will raise the price to $13.99 (and then mark it on sale)
  16. 16. What’s Going on Here?
  17. 17. Which Pizza would you buy?
  18. 18. Think In Terms of Interest $20 + $2.50 = $22.50 $2.50 per $20 = 12.5% APR or 150% APY (12.5% x 12 months) An ATM will charge you on average $2.50 to withdraw money from their machine. Let’s assume we withdraw $20.
  19. 19. The real damage calculates the true cost of a purchase using your own unique financial situation. Unlike most debt calculators it shows you how much you'd save if you never purchased the item in the first place, and instead used the money to pay down your debt.
  20. 20. Monthly Payments Affordability Just because you can make the monthly payments doesn’t mean you really can afford it. Can you really afford the car payment once you consider gas, insurance, repairs, maintenance, and all other related costs? =
  21. 21. The Big Tax Refund Think of your tax refund as the government borrowing your money all through the year interest free then giving it back to you at the end of year. If you get a lot back that means you overpaid all year.
  22. 22. Gift Cards
  23. 23.  No expiration dates allowed  Cards are redeemable for cash if value is $10.00 or less  Gift cards do not escheat to the State of California  California offers a consumer gift card website  Merchant must continue to accept gift cards while in bankruptcy Gift Cards
  24. 24. Federal CARD Act  Cards may not expire for 5 years after purchase  May only charge post-sale fees if the card has not been used for 1 year or more, and may only charge them once per month  All fees must be disclosed on the card or its packaging  Card replacement fees are not allowed
  25. 25.  Promotional gift cards are not covered under the CARD Act and often have really short expiration dates  Reloadable cards that are not intended for giving are not covered by the CARD Act Federal CARD Act
  26. 26. Why Bother?  If you are using a gift card you are likely to spend much more than the denomination on the card and you are less likely to care about price.  If you use a gift card you are 2.5 times more likely to pay full price.  If the retailer goes belly up, you lose
  27. 27. Study of Americans’ spending habits says each hour of weekly television viewing correlated to an increase in spending of $200 annually.
  28. 28. HALT Method HALT Method—suggests consciously considering feelings of Hunger, Anger, Loneliness, or Tiredness first—before assuming you need to buy something to fill those needs. Impulse buys can be subtle in how they sell themselves, as in deciding you need new work clothes to push out the memory of a bad day at work.
  29. 29. Apply the $100 Rule $100 Rule - in which any purchase price is divided by that amount and considered for that many days—a $300 PlayStation 3 gets re- considered for three days, a $1,400 MacBook is delayed for two weeks of researching, and so forth. Used to prevent impulse buying.
  30. 30. ☻Money Isn't the Key to Happiness, But How You Spend It Is - (Researchers) have found that our types of purchases, their size and frequency, and even the timing of the spending all affect long-term happiness. One major finding is that spending money for an experience — concert tickets, French lessons, sushi-rolling classes, a hotel room in Monaco — produces longer-lasting satisfaction than spending money on plain old stuff. Taking Back the Power: Tip #1
  31. 31. To get something you’ve never had before, you should try something you’ve never done before.
  32. 32. Sunk Costs ☻In order to get cheaper basketball tickets, we bought tickets in advance – they're already paid for and printed out. But it gets to be 6PM this evening and my dad gets tired and doesn't feel like going. It might make sense for me to want to push everyone to go to the basketball game. After all, I already have the money invested in the tickets – we wouldn't want that to go to waste.
  33. 33.  In reality, though, it doesn't actually make any sense to choose the less enjoyable option if things turn out that way.  I've already paid for the tickets – there's no refund, no matter what we choose to do. So, in essence, all those tickets are really saying is "you have the ability to now go to the basketball game this evening." Believing that you must go to the game in order to somehow recover some value is the sunk cost fallacy – and it can be
  34. 34. The biggest threat to obtaining your goals is Yourself.