Stacking Pennies
by
Book Cover & Preview Text
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What to think about before spending your money?
Always try to purchase the best product at the lowest price. Do not buy cheap items; they may break. Do not buy expensive items; you are spending too much money. If you are like me, in a couple of months you may change your mind, or your style may change.
Example:
•$15 is what you spent on a cheap item
•$15 more is spent trying to replace the cheap item because the first item you bought broke
•$50 spent on a quality item, and it does not break
•$150 you spend on the most expensive thing in the store and next month you don't like it anymore or you just decided to remodel your house
Now you just spent $50 more on the cheap item trying to replace it and you just spent $150.00 on something that you now do not want. So what do you do? Purchase the best quality product at the lowest price. Now you will not have to worry about the cheap item you bought breaking or spending too much on something. This is one more thing to remember when you do buy something. If you realize that you don’t like it and you can’t return it to the store. Don’t panic, save it and give it to someone as a gift for Christmas, birthdays, or any type of celebration.
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Receipts
Always save your receipts for at least a month. Buying for the sake of buying you may discover that you don’t need the item and decide to return it. There is no shame in returning it to the store. The shame is having to spend more money trying to satisfy your need. Remember if you settle for less that is what you will get!
Example:
•While in a rush you spend $50 dollars on something that you really did not want.
As consumers we have the right to change our mind on anything we buy. Save your receipts for at least one month or longer; so, if you are not satisfied with what you bought return it to the store.
When Traveling:
Always shop at stores that you are familiar with such as national chain stores. More than likely, the same store is in your city, which makes it easier to exchange or get your money back. Never shop at stores that are not in your city or hometown while traveling, because if you need to return the item you can’t. That’s wasting your money.
Example:
•One – you’re out of state, it rains, you purchased another umbrella, however, there are three at home
•Two - it breaks
•Three - you really didn’t like it but you had to have it for that moment
•Four - you didn’t look in the bag and it doesn’t have all the pieces
Now you just wasted $30 on an umbrella (unless you bought it from a store that has a chain in your area and you can take it back) smart thinking!
Extras:
•Hotels: Go to a hotel that offers continental breakfast, parking and Internet services. Make sure the hotel offers AAA, military or senior citizen discounts.
•Cameras: Only buy from places like Ritz’s camera (a chain store) that will give you complimentary items - “free stuff”.
Example: camera bag, cords, disc, software & free pictures
•Phone Company: Only go with a phone company that is going to give you something back.
Example: Some phone companies give blockbuster movie coupons and referral credits. If the service is the same price as the competitors, you may want to go with the company that will give you more for your money.
•Credit Cards: Only go with a credit card company that give you cash back or frequent flyer miles.
•Cosmetics: When buying cosmetics (make up) from a mall or department store, purchase only the ones that have a free gift. Large department stores have lots of gifts with their cosmetic production line.
•Fix It Centers: Don’t pay a fix it man to come in and change a light bulb because you don’t know how too. Go to a Home Improvement Store or Center. They have classes teaching you how to repair objects or items in your home.
Formats
Book Details
About the Book
Synopsis: Stacking Pennies is designed to accent your spending habits without becoming a miser. There are no hidden philosophies – only the use of common sense. Today’s economy is soaring, and “making the best out of spending less” is the name of the game. One’s income may be sufficient. However, to increase income depends on one’s spending habits. Meaning, if you don’t know how to spend it, then you will always be broke.
Thesis Statement: The reader can expect that application of the knowledge will teach whatever one aspires to accomplish out of life can be easily achieved if one develops proper spending habits. Additionally, the message is to learn and understand the essential basics regarding money management. Most adults are missing the basic foundation when it comes to personal finance and how to spend money. This book is unique because it offers a straight and narrow pathway to success, prosperity and financial abundance through education on the basic principles of money management.
Target Audience: This book is recommended for youth (10 years of age and older) and adults. Children with bad financial habits eventually become adults with bad financial habits. Thus, parents should purchase this book and read along with their children to assist in the enhancement and development of a proper financial lifestyle and well-being. For adults, this book offers a basic understanding of simple money management.
About the Author
Courtney Grub’ert is a motivational speaker and author of the financial self-help book series entitled Stacking Pennies. She has recently appeared on the New York’s Time Warner Cable show Inside View, where she was the guest speaker for a 30-minute segment dedicated to a discussion on Stacking Pennies. Her follow-up written work, Stacking Dollars, the highly anticipated sequel in the book series, has been released with critical acclaim.
Courtney was born in New York, New York. At the early age of seven, her family relocated to Virginia where she spent most of her young life. Courtney graduated from Norfolk State University with degrees in Architectural Drafting and Building Construction Technology. With her impressive educational background, she has started her career as the owner of a small Architectural firm working with various companies.
Although her area of study is in Architectural Design, Courtney has always had a passion for the arts and a talent for oil painting. Gaining local recognition, her paintings are on display at several stores, schools, and church locations throughout Virginia. She has also won numerous awards in martial arts, education and in sports. Placing her physical beauty at the forefront, she has also modeled for various agencies and has appeared in a short documentary on the Discovery Channel. For leisure, Courtney loves to travel and discover different cultures around the world.
Courtney has experience with helping people overcome life’s challenges. Using her expertise, she has assisted her family and friends by offering innovative solutions for financial and physical obstacles. This additional talent has prompted her to begin writing a series of self-help books – with her first being Stacking Pennies. The success of her first book has led her to completion of the anticipated follow-up, Stacking Dollars.