ssion Statement

To create a budgetary tool/instrument that charts financial savings against a bundle of good and services established by the user.

Core Principles

1. Disposal Income is Finite or Fixed (DI)
2. The Centrality of one's desires is known ( Itm1, Itm2, Itm3, Itm4, etc)
3. Hierarchy of needs and its composition vary among individuals (Rnk)
4. Personal sacrifice is a function of interpretation
5. Satisfaction is governed by ability to achieve one's desire 

Business Drivers

On the consumer side the model is driven by the following benefits:
1. Convenience (Distance, Availability)
2. Cost Savings
3. Health
4. Efficiency

On the vendor side the model is driven by the following benefits:
1. Consumer Insight and Business Intelligence
2. Targeted Campaigns 
3. Opportunity Loss
4. Market Segmentation strategy

Consumer Values

Consumers are motivated by a variety of stimuli:
1. Price
2. Quality
3. Brand Appeal

Vendor Values

Vendors are motivated by the following stimuli:
1. Return on Investment
2. Market Share / Revenue Growth
3. Vendor Loyalty
4. Reputation








Data Model

Consumer Values - CV
Convenience (c)
Health (h)
Saving (m)
Efficiency (e)
Brand Symbology (s)

Consumer Drivers - CD
Price (p)
Quality (q)
Brand Loyalty (l)
Brand Reputation (r)


	          Consumer Value Index

Consumer Values
Rank
Index
CV 1
1
20.00
CV 2
2
15.00
CV 3
3
10.00
CV 4
4
5.00

	          Consumer Driver Index
	
Consumer Drivers
Rank
Index
 CD 1
1
1.00
 CD 2
2
0.75
 CD 3
3
0.50
 CD 4
4
0.25

		
		











Background

Circulars are a staple of many households as consumers continue to find ways to balance the budget.  Whether resulting from a need to eliminate the deficit created by limited source of income or the need to create more savings for future use,  the interest in and use of circulars are pervasive, especially in the following industries:

1. Grocery and Supermarket shoppers
2. Computer and Electronics
3. Home Improvement
4. Travel and Hotel Destinations



Budget Allocation Model

DI – Disposable Income
Itm – A tangible item desired
Rnk – Hierarchical ranking for the tangible item

Budget Allocation =  DI >= Σ( (Itm1* Cost )+(Itm2* Cost ) + (Itm3* Cost ) ….)


1. What factor most influences your purchases?
Current Need. As defined by a requirement 
Current Want. As defined by a desire (nice to have)
Convenience. As defined by availability
	Valuation. Based on perceived worth (good value for the money)
	Undefined. Just felt like it

2. How would define the product?
Staple
Once in a life-time
Good Brand
Good substitute
Special Treat / Once in awhile
Nice to have