1. Personal Finance Budget Online Series:
The Manipulation Of The SuperMarkets
from
www.PersonalFinanceBudgetBootcamp.com
According to myth, women were easily seduced while under the powers of Count Dracula.
He would target them, they wouldnʼt feel his bite and would become addicted to the
exchange before willingly allowing him to drain them of all independent life.
It is no myth, however, that people, mainly women, are targeted as the gatekeepers to the
in-home family-care budget - people labelled as Primary Shoppers.
Neither they nor their purse feels the the painless bites of product range temptations,
seductive promotional offers, loyalty bonuses and brand new product launches.

2. Primary Shoppers quickly become addicted to such exchanges, and willingly succumb to a
dependent life. So for our Count - Whatʼs not to like about that ? If Dracula had a business
- heʼd be a store.
In Home Family Spending: How you are seduced while shopping
Everyone already knows the common tricks of bread smell, samplers and Greeters, yet
few know that the retail store layout is carefully designed and planned using Category
Management.
This is the careful management of the different categories and the shelving display space,
to ensure that the shelves hold just the right amount of products to maximise the profits
per cubic inch of that shelf space.
Everything is planned to produce a visual display that is bright, tidy, and appealing.
Complementing products are displayed closely together to jog the memory, promotional
tickets and displays are all around the store.
Even the very number of shelves and their heights in each aisle are carefully planned and
calculated. This serves to shape your choices and decisions for you.

3. In Home Family Spending: Why you buy things you donʼt really need
For most people, only about 1/3 of grocery shopping is planned and known before
reaching the store, and tend to be the staples such as bread and milk. Another 1/3 is semi
planned, and both these often appear on lists.
The final 1/3rd though is pure impulse purchase - offers, shiny boxes, new things to try,
snacks, and sweets.
The ʻneedʼ is manufactured while in the store and of course, you buy things to satisfy your
perceived needs. Also - Mom IS actually the gatekeeper to the home, and makes all sorts
of decisions on the shopping trip.
She rewards the kids, treats the dad, indulges herself. She buys a variety of different
things that different family members like - their favourites, and on many many occasions,
buys some food or items which actually gets wasted.

4. In Home Family Spending: How to avoid wasting money
Just as garlic keeps our Count at bay, there are also things to be done in the supermarket
to defend against unwanted influences.
1. Take cash. It hurts emotionally much more to use it than a card so you will be much
more careful about your decisions
2. Eat before you go because if you shop while hungry, it makes sense that you will buy
more food while it is right in front of you!
3. Making a list is obvious but sticking to it can be difficult in the face of store seduction -
so order online and eliminate all that temptation
4. Take your own bags, because youʼll tend to know how much will fit into them, and
avoid buying them a the checkout if your store charges for the bag!

5. The best way though, is to understand more thoroughly how you are manipulated and
where exactly all your money goes.
There are 14 different way in which our brain thinks about money and In Home Family
Spending is only one of them. By understanding the details of how much and how often
you spend within these 14 ways, you can start to control your personal finance budget.
By matching up your money in and your money out, setting goals, and forecasting
amounts and limits for each area, you will have assistance from the money tracker and
you will become a savvy shopper not a sappy shopper.
www.PersonalFinanceBudgetBootcamp.com

6. ABOUT THE AUTHOR
Mark has many years experience
in personal finance and has been
responsible for helping thousands
of people through the difficulties
of managing debts, loans, and
insolvency. Most recently, Mark is www.themoneytracker.info
co-authoring a book with best
seller Robert G Allen, while
building a group of consumer brand focused ✔Peace of Mind with Secure Online
businesses, including financial education, an online Access which means you donʼt need
university, and local business consultancy. This to ever worry about software
includes launching an international coaching upgrades, virus protection or backing
academy to teach his original methods and systems up your data - it is all done
to business entrepreneurs and companies. automatically
A former CEO in Financial Services, Mark is the ✔Personalised Budgets to fit your
author of the personal finance books Negotiating chosen profile and lifestyle, which
Breathing Space with your Creditors, and Debt means you are not force-fitting your
Management Secrets. lifestyle into other peopleʼs view of
“what should be”
You can find his blog at www.markdonnan.com and
can sign up there for his regular free webinar series ✔A deeply personal insight into the
on Mastering Money. unique 14 spending behaviours and
how they relate to your chosen
lifestyle
✔An easy to follow path to financial
control
www.themoneytracker.info
✔An ability to set and achieve
financial goals
✔The ability to see into and project
your future financial outcomes, which
means you can decide where and
when to make the necessary
changes in your lifestyle
✔Easy to follow reports which chart
and track your progress. which
means you are more likely to stay
motivated and on track of your goals.
www.themoneytracker.info