If you ‘re wanting to win the consumer game, you need to have something in between you and the marketers to protect yourself and your wallet. You need a visual barrier – something to remind you to stop and think before you hand over the cash.

The ‘Memory Triggers’ that you put on your shopping list or in your wallet are a constant warning to keep on guard and to always follow the Eight Steps.

The Eight Steps are:-
Step 1. Guard your wallet
Step 2. Are you hungry?
Step 3. What else could you buy?
Step 4. Is it worth the bother?
Step 5. What will you gain?
Step 6. What will you lose?
Step 7. What is the smartest way?
Step 8. Do you have spare cash?

The stickers really help with Step 1 of the Eight Steps by reminding you to ‘Guard your Wallet’. Step 1 is the most important of all the steps, because without it you will never make it to Step 2, 3, 4 and so on.

The stickers are bright red so they jump out at you and remind you to be alert. It’s a warning that if you don’t start thinking soon, you are not going to like your life or the consequences in a few years time. Follow the Eight Steps to avoid very costly purchasing errors. Keep savings in your pocket!
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Have you ever thought of cutting out the picture with decorative edged scissors & placing them on another card? Add some glitter, a piece of ribbon & you have created a gorgeous new hand made card!!

For the cards that have a paper insert this is even easier. Remove the insert & make another one to glue in with your own special message written on it…. or if you’re really clever you can type it on the computer in your special font.

Enjoy the Festive Season!

A National Seniors Card entitles you to a range of excellent benefits including insurance, travel, discounts, a free lifestyle magazine and social activities to name a few.

This card is not the same as a Seniors card…

There is an annual fee of $24 or reduced fees for longer memberships. If you have a friend who signs up under you… you receive a discount on your next renewal.

So… If you’re 50 & over why not apply for your discount card… Save on electrical purchases, your coffee get togethers… You’ll be surprised who does accept this National Seniors Card.

For more info contact www.nationalseniors.com.au & Leave Money In Your Pocket!

If you adopt this simple rule “If you don’t ask you don’t get”, you stand a good chance of getting more for less.

Here’s a few rules to getting your best price….

Do your homework….
The more information you have before you bargain, the greater your chances of scoring a deal.

Pick the right bargaining partner….
Always ask to talk with a manager or the owner.

Ask plenty of questions…
Be confident and ask the questions about the product or service you are interested in. Be polite & friendly & show an interest in the salesperson.

Make an offer…
Start off offering a price that’s not too low & wait for their counter offer.

Be prepared to walk away….
If the salesperson cannot or will not budge on their offer be prepared to walk away.

Pick Up Other Great Ideas Like These=> [Learn More]

Happy Negotiating! If you don’t ask… you won’t receive!

These days camera shops have their own printing…. & it’s so easy to take out the memory stick from your camera & crop them yourself before printing them. Where we before digital cameras!!

I’ve heard that Harvey Norman’s is very popular with the scrapbooking crowd… who you can imagine have a huge amount of photos for printing for their layouts.

So make sure you shop around to get the best price & quality for your precious photos.

Spend over $35 in the MagsForLess store and get a $3 discount. Coupon code: MFL35. Offer expires December 31.

Along our ‘Journey of Discovery’ I will share with you tips & techniques that I have learnt… To help you save money in your everyday life…. working towards a ‘Secure Financial Future’ for you and your family!

…. As ol’Ben Franklin used to say, “A penny saved is a penny earned.”….

To Financial Freedom Success & Surviving The Costs of Everyday Living!