The document discusses various marketing techniques used by supermarkets to influence consumer purchasing behaviors, such as music, lighting, product placement, and suggestive selling. It provides tips for consumers to be more savvy shoppers, including making lists, comparing unit prices, avoiding impulse purchases, using coupons, and knowing personal triggers for overspending. The document also discusses the importance of savings and outlines a hierarchy for different types of savings accounts from most to least accessible.

1. Being an Educated Consumer Presented at the MRDC Head Start Spring Training Fair 2005

15. Wesley Howard didn’t like to spend any money. Howard was so cheap he never bought a toilet for the old farmhouse he lived in, and preferred to use the outhouse. The kids in the neighborhood were a bit scared of Howard, and thought of him as kind of grump and miserly. Well, it turned out that Howard was not only rich, but also very generous. When he died, he donated his estate worth more than $11 million to build a children’s park on his former property. This is not so unusual. In “The Millionaire Next Door,” people profiled were not flashy with their cars and homes. Many were even blue collar workers. They were just very careful with their money and they were rich.