Daily we are bombarded with messages telling us how to save money. Adds with Zero percent down, half off, and buy one, get one are commonplace advertisements used daily to lure our business and money. Big named companies use these tactics through television, radio, and billboards to entice our dollars from our wallets. Relentless as these commercials are, very few of these solicitations will actually save us money. Or quite the contrary? They are designed as a call to action, making you grab your credit card and spend, spend, spend! Can you save money and spend wisely? The short answer, YES, you can. But, you need to train yourself to be a disciplined buyer and learn to become an intelligent saver.