1. WHEN SHOULD WE BUY Do you need that item now…or can you wait?

2. Clearance Sales End of the season prices are reduced ; they want to make room for new merchandise eg: car lots lower prices in September Clothing stores from January to June, Boxing Day Sales WHATS MORE IMPORTANT HAVING TH ITEM OR GETIING IT AT A LOWER PRICE?…maybe much lower!

3. Promotional Sales Retailer wants to publicize a new store Wants you to become a regular customer A Lost Leader If you like it now at the sale price you likely will buy at its regular price

4. Second Hand Shopping Lets you save money while supporting charities and the environment – reduce, reuse and recycle Classifieds, Newspapers, garage sales, auctions The cost is much less However no warranties, guarantees,

5. Avoid Impulse Buying Planning to purchase saves you money Visiting more stores better educates you on your purchase Items are there to entice you! Is it a need or a want? Do you have a budget? Are you sticking to it? You also end up with things you may never use TOTAL WASTE OF MONEY!