Use Personal Marketing to Persuade Yourself to Save Print
Tuesday, 27th January 2009 (by J.D.)This article is about Marketing, Money Hacks, Psychology
This is a guest post from Lynn Brem, who writes one of my favorite sites, Take Back Your Brain! TBYB! is all about advertising to yourself, about using marketing tools to help meet your goals.
Persuasive messages are all around us. In fact, Adbusters estimates that we’re exposed to as many as 5000 marketing messages every day. They’re embedded in news, entertainment, information, transportation — even in our food and clothing. Several properties are shared by the messages in this advertising tsunami:
- All of them are about someone else’s agenda.
- Someone put a lot of thought into how they will influence you
- You’re exposed to the same messages many, many times.
- Most of them include pictures.
Personal marketing is based on a simple idea: We can borrow the techniques that commercial marketers use to shape our behavior, and use them to influence ourselves instead. Personal marketing combines the classic strategies and tactics of commercial marketing with the power that personal technology provides individuals to create and deliver media, and uses them to include our own ads in the flood of persuasive messages that surrounds us every day.
One strategy that I’ve found especially effective is repetitive exposure to images. This is actually a great way to motivate yourself to save money. Let’s say you want to save for a specific item.
Here’s how to use personal marketing to save:
- Find out exactly how much money you need to reach your goal.
- Designate an envelope for saving the money, and write the amount of your target sum on the outside.
- Find a picture of your item in a magazine or online, or take the photo yourself.
- Cut the picture to the right size and fasten it to the envelope with tape or glue.
- Commit to a definite schedule for adding money to the envelope, like $10 a week or $50 every time you get paid. Write that commitment on the envelope too.
- Feed your envelope according to schedule.
Each time you add money to the envelope, you’ll see the picture of the item you want, setting up a positive feedback loop which also feeds your desire. If you want to supercharge this method, take (or photoshop) a picture of yourself with the thing you’re saving for, so it looks like you already have it.
Take Back Your Brain! teaches you how to advertise to yourself using simple techniques like the envelope ad described above. GRS readers are invited to submit questions to our free advice column, Dear Brain, to receive ideas about how you might use personal marketing to support a specific goal you really want to accomplish — about personal finance or anything else.
J.D.’s note: I love Take Back Your Brain! The idea of advertising to yourself is brilliant. It’s not far removed from the success movement’s use of affirmations, but it takes it a step further by actually using powerful marketing techniques.

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January 27th, 2009 at 5:09 am
J.D. — You look too cool with the Mini Cooper!
What a great concept — advertising to ourselves. Great post. My thanks to Lynn for writing the article. I can’t wait to go check out Take Back Your Brain.
January 27th, 2009 at 5:20 am
I remember reading something similar to this a while back (maybe on Trent’s site), but I’m not sure. It’s funny because I always thought of it as being a strategy for “other people.” But now that I’m saving for a new computer I realize it’s brilliant.
But first I need to pick the computer I want! Maybe I’ll just find an image of a souped up machine that looks sweet and use that as motivation….
Thanks!
January 27th, 2009 at 5:26 am
This is a really great idea. Maybe I can use it to actually save up for something for the first time in my life!
January 27th, 2009 at 5:30 am
The envelope idea reminded me of something we did with our kids. We originally got the idea from Dave Ramsey’s Financial Peace Jr. product. It advocated taking a picture and attaching to a magnetized placard for the refrigerator, along with the price and a savings strategy. Our daughter recently used the idea to buy a Wii Fit. She saved birthday money, change and allowance for weeks to finally save up enough to buy the Wii Fit.
January 27th, 2009 at 5:50 am
Some online banking websites let you rename your savings accounts (instead of “Savings” it could be “Trip to NY”), so you could do the same and still get the interest
January 27th, 2009 at 6:04 am
Hmmm… That is good advice. What I like most about the approach is that it involves buying something once you actually have the money to pay for it - as opposed to just charging it on a credit card. I hope the current recession leads more people to do just that.
January 27th, 2009 at 6:20 am
Good article. We’ve been discussing this one at my home for a while - getting a picture of how I would like to look to sell me on losing some weight. You could also apply it to getting a new job, a different lifestyle, or many other topics.
Back to the article’s them, many online accounts let you give them nicknames, so if you want to keep the theme, but would also like to earn interest, you could rename a savings account based on what you are saving for. ‘JD’s Cooper Fund’, for example!
You’d need a new place to put the picture, but the refrigerator would probably be fine. You’ll be there 2-3 times a day, at least.
Or bathroom mirror? Lynn, is there some research on the best spot in your house to catch your attention? If they could, where would advertisers love to put their images? Does the bathroom mirror or closet door ‘get you’ while still waking up, so the images are accepted more easily? How about the refrigerator door, because you’re more receptive when hungry? I’m just guessing. Does anyone have any specific information on this???
This kind of fits in with Irrationably Predictable. I need to finish the book and see if there’s something on this already. I’ll be postulating more on this here:
http://livinglucidly.blogspot.com/2009/01/using-personal-marketing.html
January 27th, 2009 at 6:39 am
Great article. My wife really wants to sell our condo and buy a house (I want to stay put - we don’t have a mortgage right now and would if we bought a house she wanted). We’re using a somewhat similar system to save for the house.
January 27th, 2009 at 7:11 am
I think this is a great idea!! But I also think it is just as important to re-program your brain for advertising. Whenever I see an advertisement, I become less likely to want the product. Why?? Because I believe that products that need advertisement basically suck.
Think about it. Why would a company buy an ad if their product was great and worked the way it was supposed to. Also many products are interchangeable, why not just buy a cheap one. So when I see an ad, my first thought is what is wrong with this product.
January 27th, 2009 at 7:12 am
I found Lynn’s post most informative and couldn’t agree more with her underlying premise, and that of her TBYB! site. Why not piggyback off of all the human behavior study that Madison Avenue has done to ingrain the consumer mentality in our culture? As we all tighten our belts following a long borrowing and spending binge, we also need to reconsider our mindsets. The Frugality and Enough! movements are leading a more rational approach to personal finances. Techniques such as that described in Lynn’s post are easy to integrate into our daily habits and help get us individually and as a society back on the path to meeting our financial goals. Those interested in adopting this new mindset might also check out http://www.enoughing.com for more helpful techniques.
January 27th, 2009 at 7:12 am
I am working on this very subject right now and how we are bombarded from a very young age by marketing and the psychology behind spending. A practice known as psychographics is commonly used the in the advertising and marketing realms and we are blind to the practices in so many cases because they are ingrained in so much of what we see today.
Psychographics is similar to demographics, except psychographics targets the way our mind responds to different images, desires, values, and needs with in our own sub-group of our demo graphic. Consulting companies use a practice called “cool hunting” to plant themselves within a particular group and conducted studies of what makes different sub groups tick. They will use the information gathered to create advertising and in many cases this is all funded by the company selling the product. So when you think you are buying a product to fill a need, you are actually purchasing a product that fills a “created” need. When used effectively they trigger very deep psychological emotions and responses that can cause us to make purchase decisions, that we many not have made before. Companies then carve out a niche within that particular group and market specifically to that demographic, or psychographic if you will.
Where does this fit it with your discussion? You need to be aware of these tactics, and on the defensive. Once I became aware I noticed my triggers these psychographics stimulated I became amused and now it’s kind of fun to see which commercials “trigger” me. I guess you could note and pay attention to your own and really get creative in putting together something that gets to deep psychological values, desires, and images that move you closer to your financial goals.
Here is a link to a PBS special that deals with the practice it is a seven part series, but very interesting.
http://www.youtube.com/watch?v=4YuO8Zw9vJo&feature=related
Chett@ 5k5k.org
January 27th, 2009 at 7:48 am
I can vouch for the picture on the envelope idea. My daughter wanted to save $100 to go to Disneyland (she was 5) I got an envelope and taped a picture of the castle to the front. She saved for 6 months, earning money around the house, she had like $80 by the time we went. I was very proud.
January 27th, 2009 at 8:03 am
We are considering starting a day care - not high tech, not high growth potential, but also little competition. Do you have any books/blogs you can recommend to help us with setting up a business plan and just the business aspect in general? Most that I’ve seen don’t seem to be a good fit for the industry we will be in - or maybe they are and I just don’t know it. I am a CPA and my husband has been a daycare director for about 15 years so we know what to do once we are up and running, but the path to get to that point is more unclear. Thanks!
January 27th, 2009 at 8:15 am
I have many savings accounts set up in ING and they’re all labeled things like: Alaskan Cruise, House Repairs etc. That helps keep me focused on my savings.
When we were saving for a house I wrote HOUSE on my credit cards. Whenever I was tempted to spend I’d see that on there and think whether what I was going to buy was worth it or not. If I didn’t buy it, when I came home I’d transfer the money to my savings account for the house. Worked like a charm. I’m now doing this for our Dream vacation to Alaska!
January 27th, 2009 at 8:16 am
Take this to the next level of advertizing your life in order to reach any goals or simply teach yourself. The primary reason I continue to blog is to teach myself new things. I have to research a topic or news story and then summarize and offer my opinion. It’s been the most valuable skill I’ve picked up since college.
January 27th, 2009 at 8:24 am
ps: Alt text on photo looks to be broken (at least here!)
January 27th, 2009 at 8:38 am
Thanks, Allen. Double quote-single quote typo. I always wonder if anyone reads the alt-text on my photos. I have a lot of fun with it.
January 27th, 2009 at 8:47 am
Wow - great idea. As an advertising student I can see how this would be an effective way of saving. It’s an interesting marriage of the two ideas, but instead of blowing our money on the things we don’t need - we get the things we want. Nice.
January 27th, 2009 at 9:34 am
i had to laugh at the picture of you next to the mini-coop jd.. lol.. that’s a good look!
January 27th, 2009 at 9:48 am
Personal marketing in the bathroom: better than taking a magazine!
Extreme makeover - refrigerator edition
I think the place advertisers would most love to put their images, if they could, is inside your eyelids.
January 27th, 2009 at 10:10 am
Great idea. Billionairewoman.com had a similar concept. Image the amount of money you want to have. Take an old statement or “print screen” and use paper and tape, white out, or photoshop to replace your old balance with the balance you desire.
I really like the idea of advertising to yourself.
Thank you Lynn for the post and the link to the website, adbusters (a new website for me).
January 27th, 2009 at 10:11 am
I’ve recently changed the way I look at my goals. Instead of, “I want $XX in the bank by 12/31.” I change it to, “I have $XX in the bank.” This will be a great addition to seeing my goals in this fashion.
Thanks!
January 27th, 2009 at 10:24 am
I will have to disagree with one part of this post; putting the money in an envelope. Like someone mentions in an earlier reply, open a savings account through ING! Have the money work towards your goal too! This is especially helpful for long term savings goals. ING can even take out the “$50″ from every paycheck on an automatic transfer you set up.
January 27th, 2009 at 11:07 am
Neat idea! I think I’ll go home and print a picture of the amusement park we’re going to this summer. Lookout refrig…here it comes!
January 27th, 2009 at 11:11 am
So Simple and so effective. It may sound silly, but my 5-year goal is to buy a mixed-use building and convert it into my city’s only tiki bar. I’m driven. I use a “$20 challenge” system to put little bits of money away for that goal. I have a drawing of what my tiki bar could look like. And, I have an added incentive. When I was 5-9, my dad owned a music nightclub in Columbus,Ohio. He died this year, and when I was going through his things, I found a photo of him in the office of the nightclub, working. I have that photo of my entrepreneur dad next to my tiki bar drawing. My tiki bar was also one of the last things we talked about before he died (suddenly, of pancreatic cancer. we had six weeks from diagnosis to death.). He had a lot of great ideas, and he was happy that one of his children inherited his entrepreneurial spirit.
January 27th, 2009 at 11:19 am
This is a great example of the Law of Attraction and the premise behind the Dream board. I would even recommend a laminated version in the shower. That way you are guaranteed to see it at least 3 times per week…….
January 27th, 2009 at 11:21 am
Interesting method. I think I might try this out with my five year old. I have a terrible time getting him to save up when he wants something special. A visual system like this just may be the key to success. Thanks!
January 27th, 2009 at 12:08 pm
Comment #14 Susy, Thank you for that tip! I am a constant debit card user; I almost never see or touch cash. Because of this, it is hard for me to actually “Feel” the money vanishing from my account. I think writing “Save” or some other inspiring comment on my debit card is a brilliant idea. Thanks!
January 27th, 2009 at 12:12 pm
All I can say is “wow” such a great article and seemed effective method. Goes with the old saying “invest in yourself”. I know visualization works for me.
January 27th, 2009 at 12:36 pm
Pictures are a great reminder. Another tip could be to just discuss with a friend. If you set a vacation goal with a friend, you will continue to remind each other and help each other motivate. This is the same concept with a gym buddy.
January 27th, 2009 at 12:51 pm
January 27th, 2009 at 1:00 pm
I completely agree with this concept. Just recently, my boyfriend and I opened up a savings account at GMAC and have it labeled HOUSE. Everytime we put money in it or see it, it is a great motivation because we eventually want to move in to a bigger house. We also started one for the “child fund”. That one is not so much a goal to get to, but we put at least $20 a month in there so when the time does come, we have something saved up for the things we will be needing for our children. Or, if not, we have a great college fund started for them! It has worked well so far and I definitely recommend this. Great post!
January 27th, 2009 at 1:17 pm
@Jill (#31)
Believe it or not, I have the same problem. For me, the key is to place the reminder someplace that I’ll see it often, but not all the time. That’s when the self-advertising becomes most effective.
As some people have mentioned, I keep sub-accounts at ING Direct. I label each one so that I know what I’m saving for. I see these about once a week, which is often enough to remind me of my goals and to keep me motivated.
January 27th, 2009 at 1:18 pm
I love that poster! JD, the mini looks great on you.
I use a similar technique with pictures of houses, to remind myself to save for my down payment, but all my cash ends up in the bank (for obvious reasons).
January 27th, 2009 at 2:27 pm
I’m with JD, my ING accounts are labeled with the goal. I even label our emergency fund not with emergency fund but as building fund (we own a lot that we want to build our vacation/retirement home on). Even though its our emergency fund I’m hoping that as it grows, it will turn into a building fund.
Other subaccounts are labeled Vacation/Travel, Fun, Couch (which also includes house projects), etc. I also use a fancy Excel chart document that Mr. Sam created for me that has bar charts and pie charts, bright colors that I use to track our yearly savings goals. Watching the bars rise on my Excel chart helps me stay focused and motivated and the labels on my ING accounts remind me of our goals and I’m less likely to make a transfer our of my building fund because I want ot build that house.
January 27th, 2009 at 2:31 pm
Denise (#25), yay for Tiki bars, we have two local Tikis that we visit regularly in our neighborhood (yes, we are in Fla.)
Sorry to hear about your Dad, I lost a dear friend to pancreatic cancer.
January 27th, 2009 at 3:20 pm
Jill (@31),
This is actually a common problem. In fact it is one that safety people deal with all the time. If you see the same sign everyday eventually it becomes part of the wallpaper.
As JD said, you should put it somewhere where you don’t see it often enough.
Another idea is to change it periodically. If you put up your old clothes to lose weight: change the item every week or two. If you put a picture on the fridge: change the picture or move it every so often. Or move the reminder from your bathroom mirror to your fridge to your front door.
You can also set a task or meeting in Outlook (or on your iPod, cell phone, or whatever calendar you use) that will pop up. If you’re trying to lose weight have a daily reminder before lunch of your goal. If you’re trying to save money maybe you need to be reminded on Friday or on your payday.
You can also make a point to review your goals, perhaps weekly. Then you are actively putting them in your mind.
January 27th, 2009 at 4:24 pm
@31, 33, 37: Repetition and novelty both seem to be helpful. One way to receive many advantages of both is to implement some kind of automatic slideshow. Desktop widgets are great for this, as are screensavers. I haven’t tried it yet but I think a digital photo frame will also be a fantastic way to deliver personal advertising. You can load up any of them with a bunch of vacation and family photos, then insert few ads into the rotation. This way you only see each one occasionally, and you don’t necessarily know when to expect it.
I also echo the others who say it works well to change up your ads periodically, similar to how commercial advertisers keep our interest.
January 27th, 2009 at 11:18 pm
Thank you SO much for introducing me to TBYB. Just added it to my RSS reader and spent some time poking around. Also kicked my butt to change my screen desktop to a picture of the pool, to remind me to get my butt to the pool.
January 27th, 2009 at 11:21 pm
What does the gold circle say on the picture? I keep thinking it says “All real” or “all new” but it’s too small to see. Adding all real might be a nice touch.
January 29th, 2009 at 8:09 pm
Great idea. Love the pic of JD and his mini.
I am a procrastinator and I enjoy buying stuff. So, now I have the savings automatically taken out of my account right when my paycheck goes in. Not seeing it sitting there and being strict with myself on not wanting the balance to go down on the accounts it is in helps me to save. If I was the kind to do the envelope thing, I would definitely keep doing the ING sub-account deposits but I would use fake money to have the real life visual representation of what I’d been able to save.
January 30th, 2009 at 11:37 pm
Great idea. I was going to suggest using a screensaver for your picture, but a couple of people beat me to it.
I love Susy’s (#14) suggestion about credit cards. I guess it could be embarassing if you reach the checkout, with a queue behind you, then your credit card message persuades you not to buy?
I also like Sam’s (#35) colorful charts.
February 4th, 2009 at 2:13 pm
@Jill (#31) :
do you have any pictures of yourself in the old clothes? Maybe the hanging of old clothes does not trigger your thought, maybe it triggers regret rather than motivation? Here’s my suggestion. Take a picture of you now. Take a picture of what you want to look like (maybe a past picture maybe a photoshop picture of your face on your ideal body, or a magazine cut out of your face on your body), Get a one page full Annual Calendar. Put Today’s Body on today’s date. Put your new fit in your old clothes picture at a future calendar date, and draw a line from the old picture to the new one. Similar to how you would do with a map. From one city to another city.
I think Lynn’s idea of using a rotating screensaver is a good idea. Another thing to do is create your own banner ads. Use Flash, Image Ready, or some other tool and animate your own ads. hmm. Sounds like a good startup web application. Morph one body to an old body.
I like the idea of advertising to oneself. It really is just affirmations of your own goals manifesting your future self visualization into the present. We can all do it, the people who are successful are the ones who actually try and continually experiment until they find what works for them.
Everyone is different and respond to different advertisement methods. Some people respond to audio, some to images, some to video, some to words. Find what you respond to and then replicate it in your own space. At least, I think that’s what Lynn is advocating on her site.
February 4th, 2009 at 3:43 pm
This really works. Back in the eighties I owed my little brother $3000 and I kept procrastinating about paying it back due to my own money issues at the time. I finally decided I had to just “do it” so I wrote his name on an envelope and made a promise to myself to put $100 a week (every payday)in it until I had him paid off. Seeing the envelope REALLY reinforced my saving.
I ate a ton of peanut butter sandwiches for the next 30 weeks but the look on his face more than made up for it when I handed him the envelope.