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126 Summer St., Holliston, MA 01746
126 Summer St., Holliston, MA 01746
Whether you're trying to balance your household budget or save money to buy your first house, discount coupons can help.
Coupons alone are not a panacea that will cure budgetary woes or enable you to quickly save up for a real estate down payment, but they can play a role in achieving your financial goals.
Building up your financial nest egg or saving thousands for a down payment requires planning, organization, and motivation. While this may sound like a steep mountain to climb, the biggest challenge involves examining your values and overcoming self-limiting habits and beliefs. If you're convinced, for example, that it's impossible to save money and get ahead, then those beliefs will slow you down, if not sabotage your progress, completely.
There are a lot of reasons why discount coupons are not an effective money-saving strategy for many people, but it often boils down to three things:
- Disorganization: Although coupons are a marketing tool used by businesses to get consumers to buy more products and services, it's often a "win-win" situation. If a coupon happens to be for product that you need or would ordinarily buy, then it's like having extra money in your wallet. For some people, putting the coupons IN their wallet is a good way to make sure they have them when they're at the checkout counter or drive through.
- Pride: There's nothing undignified about using coupons, unless you have such a large stack of them that you're causing people behind you to roll their eyes, sigh loudly, or grumble under their breaths! And speaking of misplaced pride: If you're over 60, don't hesitate to claim your senior citizen discounts at restaurants, the theater, movies, public transportation, museums, car rental places, and hotels. Those savings can really add up!
- Lack of planning: When your trips to the grocery store are planned, rather than sponteous, you're a lot more likely to remember your coupons and your shopping list. By having your coupons with you and knowing what you need to buy, you'll be more focused and tend to spend less money on impulse items.
- Make a list: If you don't have a to-do list that you revise and update on a daily basis, then many of your objectives and goals will fall by the wayside. When you commit something to writing and place it high on your list, it has a much stronger likelihood of getting done. Maybe it's the "squeaky wheel" principle or just the power of suggestion, but when you're reminded to do something on a daily basis, you almost feel compelled to take action and get the process underway. (The exception to that would be if you're opposed to doing it for any reason, or you're being nagged.)
- Invite friends or relatives over: For some people, nothing motivates them to mow the lawn, paint the bathroom, or clean the house more than knowing that company's coming over in a few days! Since most of us have been conditioned to care about what other people think of us, then why not use that impulse to your advantage? (Maybe that's the reason some people tidy up before the cleaning person arrives.) Schedule an upcoming dinner party, family gathering, or backyard barbecue, and watch how fast that lingering project gets prioritized, acted on, and completed!
- Announce your intentions: If you tell your spouse, your parents, or your best friend that you're going to tackle an overdue project, this weekend, then you almost have to do it -- or your credibility will be at stake. When you share your intentions with someone else -- especially a person whose opinion you care about -- you're taking accountability for your plans. It's a technique that's often used for getting started on an exercise program or diet, but it could be equally effective for motivating yourself to fix the back steps or clean the garage.
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