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The Simple Life Made Easy : 

The Simple Life Made Easy Recession Proof Your Life Seminars

Welcome to the Recession Proof LivingSeminar : 

Welcome to the Recession Proof LivingSeminar

Seminar Overview : 

Seminar Overview What you will learn in this seminar is: What a lifestyle is Lifestyle influencers What influences buying How to manage spending behaviors How to enjoy life without paying so much for it The benefits of a recession proof life

What is a Life Style? : 

What is a Life Style? A way of living based on an ideal that Reflects your own values and attitude Demonstrates your individual expression Determines your lifestyle choices and behaviors Influences how you spend your money Influences the type of products and services you buy

Why You Buy Things? : 

Why You Buy Things? Positive Reasons Negative Reasons Because of need The price is right Personal satisfaction To feel good about self Lack of spending control Keeping up with the Jones’s

Six Lifestyle InfluencersWhy You Buy “Into” What You Buy? : 

Six Lifestyle InfluencersWhy You Buy “Into” What You Buy?

Lifestyle Influencers #1 : 

Lifestyle Influencers #1 Socio-Economic Status (SES) A measure of economic and social ranking based on: Family income Parental education level Parental occupation Social status in the community It is assumed that the more money you have, the more the more education you have, and the more lifestyle you can afford.

Lifestyle Influencers #2 : 

Lifestyle Influencers #2 Personal Taste and Preferences Food Clothes Entertainment Cars Furnishings Associations/Acquaintances Name brand vs. store brand Labels vs. no names Extravagant vs. modest High end vs. lower end Full price vs. clearance price Popular vs. unpopular

Lifestyle Influencers #3 : 

Lifestyle Influencers #3 Television/Mass Media Television is a medium used by advertisers to promote cleverly designed commercials that create a need so you can: Buy things you don’t need With money you don’t have To impress people you don’t know

Lifestyle Influencers #4 : 

Lifestyle Influencers #4 Greed An excessive desire for more of something than is needed Always wanting and never being satisfied Seeking of a lifestyle you cannot afford

Lifestyle Influencers #5 : 

Lifestyle Influencers #5 Peer and Social Pressure Image and the need to fit in with others The need to look and feel a certain way The concern of what others might think Keeping up with the Jones

Lifestyle Influencers #6 : 

Lifestyle Influencers #6 Money Cheap money Disposable income A false sense of security An illusion for happiness

How to Manage Lifestyle InfluencesSix Secrets : 

How to Manage Lifestyle InfluencesSix Secrets

Managing Lifestyle Influences : 

Avoid television and media advertisement overload Mute commercials Watch less television Turn during commercials Leave the room during commercials Record shows (fast forward past commercials) Life Skills Enrichment Program 14 Managing Lifestyle Influences

Managing Lifestyle Influences : 

Managing Lifestyle Influences Avoid buyers remorse: Ask yourself… How much debt do you already have Will buying it create more debt Can you really afford to buy Can you live without it Will you regret it later

Managing Lifestyle Influences : 

Managing Lifestyle Influences Change your shopping behavior Shop with cash instead of credit cards Spend more only where it matters Shop with a clear head

Managing Lifestyle Influences : 

Managing Lifestyle Influences Become a deliberate shopper Purchase on purpose Evaluate the need Walk away from the purchase Don’t buy on impulse

Managing Lifestyle Influences : 

Managing Lifestyle Influences Practice frugality Make cash purchases Keep your eye simple Create a spending budget Live by an allowance

Managing Lifestyle Influences : 

Managing Lifestyle Influences Recession proof your life Live within your means Avoid unnecessary debt Save more than you spend Do not spend money you do not have

Why Recession Proof Your Life : 

Why Recession Proof Your Life

What is a Recession? : 

What is a Recession? A time when economic growth has reached its’ peak and starts to decline and bottoms out. Signs of a recession: Businesses stop expanding Unemployment rises Housing prices decline A retracting or shrinking economy

The Recession Cycle : 

The Recession Cycle Consumer spending is down Job lose is up Businesses stop expanding The demand for goods and services decreases Companies start to downsize People loose their jobs Companies stop trading The economy slows down A recession occurs

What Happens in a Good Economy : 

What Happens in a Good Economy Business trade and spending is up Companies grow and expand and hire Salaries and bonuses are paid Employment is up Consumer spending is up More disposable income More spending on goods and services Government spending up Government buys goods and services Keeps businesses and the economy churning

What Happens in a Bad Economy : 

What Happens in a Bad Economy Less disposable income Increased unemployment Belt-tightening among consumer Slow economic growth and expansion Companies stop hiring Job loses People panic Talk of a Recession

The Solution : 

The Solution Recession Proof Your Life

Why Recession Proof Your Life : 

Why Recession Proof Your Life There is no such thing as stable Employment situation can change Personal situations can change Financial situation can change Lifestyles can change The economy can change Because it makes sense

Recession Proof Tip #1 : 

Recession Proof Tip #1 Become a Smarter Shopper Comparison shop and bargain hunt Beware of shopping gimmicks Avoid impulse shopping Never shop on an empty stomach Question every purchase Shop online

Recession Proof Tip #2 : 

Recession Proof Tip #2 Become a frugal shopper Never pay full price Use coupons and save $300 - $400 per year Buy dated goods (cars, bakery items) Don’t buy for the sake of buying Buy off season Always think “thrifty”

Recession Proof Tip #3 : 

Recession Proof Tip #3 Become a No Frills shopper Shop generic, store brand, or no frills brand Save more than $2000 a year Take advantage of Dollar Store savings Use off brand supermarkets for additional savings Buy on consignment, thrift or resale Buy slightly irregular merchandise

Recession Proof Tip #4 : 

Recession Proof Tip #4 Membership has it’s rewards Join a wholesale club Costco BJ’s Sam’s Club Buy in bulk

Recession Proof Tip #5 : 

Recession Proof Tip #5 Track your spending Benefits See where your money really goes See how much you really spend Identify wasteful spending Redirect money to more useful areas

Recession Proof Tip #6 : 

Recession Proof Tip #6 Change your lifestyle behaviors Become a deliberate spender Only buy what you really need Don’t overspend Monitor your spending behavior Keep track of receipts Live with simplicity in mind Become a deliberate saver

Recession Proof Tip #7 : 

Recession Proof Tip #7 Challenge your buying decision Is the purchase necessary What purpose does it serve Does it satisfy a need Can you get it cheaper Can you afford it Can you do without it How much use will you get out of it

Recession Proof Tip #8 : 

Recession Proof Tip #8 Attend future seminars and learn more about the following: How to Avoid Wasteful Spending How to Make Your Paycheck Work for Your How to Live Lean and Still Enjoy Life How to Create a Budget You Can Live With The Best Way to Shop Online Strategies for Smart Spending How to Survive College on a Thrifty Budget

Some No Frills Facts : 

Some No Frills Facts Equate brand items are 52.0% cheaper than national brand products. Kirkland items were 53.6% cheaper than national brand products. Store branded products on a per use basis: Kirkland products were 29.1% cheaper than those same products found in the Equate brand Nationally branded products on per use basis: Costco products were 14.7% cheaper than the same products found at Wal-mart.

The Simply Life Made Easy : 

The Simply Life Made Easy Learn to become a smarter shopper Learn to become a frugal shopper Learn to become a no frills shopper Change your lifestyle behaviors Learn to live with simplicity Recession proof your life

The End Result! : 

The End Result! A Simpler Happier Life

Resource Links : 

Resource Links Crawford, W.. (2009, July). A Time of Limits. Online, 33(4), 58-60.  Retrieved July 26, 2009, from ProQuest Education Journals. (Document ID: 1796629571) Gregory Karp (2008). Living Rich by Spending Smart: How to get more of what you really want. Pearson Education, Inc. U. S. Supreme Court in Doyle v. Mitchell Brothers Co., 247 U.S. 179, 38 S.Ct. 467 (1918) Walker, R., & Garman, E. (1992, July). The meanings of money: Perspectives from human ecology. American Behavioral Scientist, 35(6), 781-789. Retrieved July 26, 2009, doi:10.1177/0002764292035006012 Practical Information for College Students in Morris Code: (Click Link Below) http://promotions.bankofamerica.com/oncampus/home/index.html

Thank You for Attending : 

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