retailer strategies in economic downturn
TRANSCRIPT
-
8/3/2019 Retailer Strategies in Economic Downturn
1/64
PLACE
Marketing in an Economic Downturn
Retailer Strategies in Economic Downturn
Unilever Marketing Academy
March 2009
-
8/3/2019 Retailer Strategies in Economic Downturn
2/64
PLACE
UK
-
8/3/2019 Retailer Strategies in Economic Downturn
3/64
Annual Till Roll Totals Expenditure Trends
14
12
10
8
7
6
5
4
2
2
2
Total Hard Disc
Iceland
Morrisons
Asda
Tot Grocers
Tesco
Sainsbury
Waitrose
Total Co-op
Somerfield
Tot Indepts
52 w/e Nov 30 2008
y/y % Change
Cheaper retailers continue to do well
Source: TNS
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
4/64
RST Store Price Index vs. Sales Performance
12weeklyRSTsalesgrow
th
-5
0
5
10
15
20
25
30
35
0.7 0.8 0.9 1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7
Price Index12 w/e 28 December 2008
Tesco growth now tangibly below the average, whilst
Discounters continue to press aheadPLACE
http://www.somerfield.co.uk/site/home/index.asphttp://www.waitrose.com/index.asphttp://www.netto.co.uk/internet/nettog/menu/main.nsfhttp://www.armaghonline.com/uploads/lidl.gif -
8/3/2019 Retailer Strategies in Economic Downturn
5/64
With a clear movement to the value end of thespectrum continuing
Tesco
Asda
Morrisons
Sainsburys
Aldi
Lidl
Iceland
WaitroseM&S
Somerfield
Source: TNS - RST (grocery) 12we 30 Nov 2008 (TNS P13)
-ve
-ve
Significant (top 20) grocery switching flows
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
6/64
PLACE
TescoUK
Tesco, the UKs largest supermarket chain, has tackled the issue of financial doom and gloom head onover the past few months. Although it is still running TV ads for its non-food lines, out have gone thequirky and bright TV activity for its food offering with much more emphasis placed on press, poster
and internet activity.Carrying the bold slogan Britains Biggest Discounter, which has much more prominence than the
longer running Every Little Helps, recent marketing has made numerous highly topical direct
references to the situation. Selected ads for food have been accompanied with the headline Fish
And Cheap; Own-label ketchup with Price-Squeeze; Dishwasher tablets with Wash. Dry. CleanUp and for nappies with Its All About The Change. Such an approach can also be seen in its ads
for non-traditional supermarket lines (electrical, audio-visual etc) and although this is not a drasticchange from activity a year ago, it is evident that the brand wants to convey a feeling of
understanding with consumers at a time when financial issues are ubiquitous.
They are now pursuing a comparative pricing approach, comparing themselves to the other big UKretailers.
-
8/3/2019 Retailer Strategies in Economic Downturn
7/64
Britains Biggest Discounter PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
8/64
When inflation was running high (mid 2008) they respondedaccordingly
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
9/64Source: Xtreme Insight Communicating in a Downturn Nov 2008
Click to play
This Tesco ad before Xmas 2008, shows a clear and simplepricing strategy
PLACE
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20xmas%20half%20price%20-%20dec%2008.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20xmas%20half%20price%20-%20dec%2008.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
10/64
COPYUK 25/01/09At Tesco, we
compareprices onthings ourcustomers
actually buy.And on
Friday 9thJanuary,
over 1.1mcustomers
baskets werecheaper atTesco. AndAsda, wellyou can
judge foryourself.
Real basketsat Tesco.Every little
helps.
Click to play Click to play
After Xmas, they are now copying Asdas comparative
messagingPLACE
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20comparative%20asda%20-%2025%20jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20comparative%20JS%20-%2026%20Jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20comparative%20JS%20-%2026%20Jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20comparative%20asda%20-%2025%20jan%2009.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
11/64
They have run an aggressive campaign online in which itshows you the cheaper alternative to your original choice
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
12/64
It has been advertised on TV
COPYUK
Tesco.comweredetermined to help youspend less. Thats why
when you choose a topbrand online, well
suggest a cheaperalternative. Makes sense
to uswell we dontwant you seeking acheaper alternative
elsewhere.Tesco.com every little
helps.
Click to play
It has been advertised on TV which it shows you the cheaperalternative to your original choice
PLACE
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20brand%20price%20comparison%20-%20bread.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20tesco%20brand%20price%20comparison%20-%20bread.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
13/64
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
14/64
The Discounter brands share within Tesco has settleddown after moving out of Power Aisle
0.0
0.7 0.8
1.0 1.0
0.8 0.80.7
w/e 14 Sep w/e 21 Sep w/e 28 Sep w/e 05 Oct w/e 12 Oct w/e 19 Oct w/e 26 Oct w/e 02 Nov
%o
fTescosalesfrom
discountbrands
Source: TNS - RST (grocery) 4we 02 Nov 2008 (TNS P12)
Average share for the 4week period = 0.8%
Weekly build of share of total sales in Tesco
PLACE
Th h i i b d d d t bi
-
8/3/2019 Retailer Strategies in Economic Downturn
15/64
The share gain in branded products was biggercompared than the Discounter brands, with key losesfrom standard Own label
5.3
0.0
36.0
3.4
5.4
47.2
2.8
6.3
0.6
34.3
3.5
5.3
47.5
2.5
6.2
0.8
33.4
3.3
5.0
48.7
2.6
Value
Discount Brands
Standard
Finest
Other (Organic etc)
Branded
No Brand Name
% value share of sales in Tesco
4 w/e 07 Sep 08 (pre discount brands)
4 w/e 05 Oct 08
4 w/e 02 Nov 08
+0.8%pts
-2.6%pts
+0.1%pts
+1.5%pts
own
label
Source: TNS - RST (grocery) 4we 02 Nov 2008 vs previous 4wk
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
16/64
For traditional supermarkets, trading down shoppersthrough Private Label can be a risky strategy
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
17/64
PLACE
AsdaUK
Why pay More? is the slogan adopted by Asda over the past few months as it battles with the
likes of Tesco and Morrisons for market share in the lower-to-middle UK supermarket sector. Asdahas consistently put its competitive prices, potential savings, and comparisons with rivals at the
heart of its marketing, a strategy it is continuing to use during these troubled times. It has also nowstarted to focus more on community and family. Examples of the former include more localisedactivity citing offers and improvements to your local stores, while ads highlighting price cuts on
joints of meats encourage family gatherings and get togethers. Emphasis has also been placed onfeeding your family for less an approach used by almost all the UK supermarket chains. While
there are no direct references to the credit crunch, selected press ads feature the strapline Winner
of Britains Lowest Priced Supermarket Award 11 Years Running.
-
8/3/2019 Retailer Strategies in Economic Downturn
18/64
Source: Xtreme Insight Communicating in a Downturn Nov 2008
COPYUK
Winner of Britains Lowest
Priced SupermarketAward 10 Years Running
Why pay more?... PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
19/64
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
20/64
Competitive prices PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
21/64
COPYUK 16/01/09
It can be difficult to knowwhich claims to listen to.
So its reassuring to
know my supermarketdid an independent pricecheck on all comparable
products including milk,eggs, meat, fresh fruitand veg. And on Monday
they found that onaverage Asda were
cheaper on this manyproducts. Tesco, well
judge for yourself. Asda,saving you money
everyday.
Click to play Click to play
Comparisons with rivals
Going into 2009, Asda continues on the theme ofPrice sparking a new price war with a 1,000 price
cuts
PLACE
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20asda%20comparative%20tesco%20-%2016%20jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20asda%20comparative%20morrisons%20-%2029%20jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20asda%20comparative%20morrisons%20-%2029%20jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20asda%20comparative%20tesco%20-%2016%20jan%2009.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
22/64
More localised activity PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
23/64
PLACE
SainsburyUK
Feed your family for a Fiver, Switch and Save and Love your Leftovers are three main
campaigns Sainsbury have employed. Sainsbury has dropped celebrity chef Jamie Oliver, at leasttemporarily, to feature a working mum struggling to feed her family. She also works in the store.
-
8/3/2019 Retailer Strategies in Economic Downturn
24/64
This ad has a dual message of Feed your family for a fiver with the cook in the house using
Sainsbury value lines, alongside a message of the pork they use being RSPCA (animal welfare)approved. A quality plus price message from Sainsburys.
COPYUK 29/01/09
Daughter FVO: Dad, wecould compost that.
Recycling. Oh dad, whatsort of pork is it?
Dad FVO: Pork from apig pork.
Daughter FVO: AhhhOK, its Freedom Food
endorsed,Super: Our Freedom
Food endorsed pork is
reared to RSPCAendorsed standardsDad FVO: Nice? MeganThompson endorsed is
it?
Click to play
Feed your family for a Fiver PLACE
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20JS%20Feed%20Family%20for%20%C2%A35%20-%20chilli%20-%2029%20Jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20JS%20Feed%20Family%20for%20%C2%A35%20-%20chilli%20-%2029%20Jan%2009.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
25/64
Feed your family for a Fiver PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
26/64
Sainsburys also talks about switching to their Basics range but makes a point of the meat and fishbeing Freedom Food approved a quality with price message.
COPYUK 03/01/09
Dad FVO: Ohhh salmon. Not
exactly flush this month arewe.
Mum FVO: Well you know youcan get cheap cuts of meat,
same with fish, sort of.Super: Switch and Save withbasic salmon fillets. They are
Freedom Food approved.Mum FVO: Careful, its hot.
Dad FVO: Mmm that lookslovely. What are we having
tomorrow? Caviar?
Click to play
Switch and Save PLACE
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20js%20switch%20and%20save%20-%20salmon%20-%2003%20jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20js%20switch%20and%20save%20-%20salmon%20-%2003%20jan%2009.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
27/64
PLACESwitch and Save
-
8/3/2019 Retailer Strategies in Economic Downturn
28/64
Has Switch & Save worked for Sainsburys?
Sainsburys has managed to increase footfall and
market share since start of Switch & Save (Sept 08) The mechanic has allowed them to run an effective media
campaign
Own Label has grown but brands have been the driver
of Sainsburys growth.
In Jan 2009 Sainsburys have
tweaked their S&S campaign totalk about their Basicsrangewe will be monitoring this to seeif this will continue the increasedfootfall or devalue sales?
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
29/64
COPYUK 10/01/09
Leftover chicken it just
needs some love. Readyrolled puffed pastry,
Sainsburys pesto and
tomatoes. Mmm loveyour leftovers.
Click to play
PLACELove Your Leftovers
A Love Your Leftovers campaign has been running on TV and online for over 6 months
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20JS%20love%20your%20leftovers%20-%2010%20Jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20JS%20love%20your%20leftovers%20-%2010%20Jan%2009.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
30/64
A Love Your Leftovers campaign has been running on TV and online for over 6 months
Love Your Leftovers PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
31/64
On line activity PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
32/64
PLACE
MorrisonsUK
Widely acknowledged to have won the supermarket Christmas war in the UK they also took astrategy of simple price which has continued into the New Year
Morrisons have celebrity endorsements talking about
-
8/3/2019 Retailer Strategies in Economic Downturn
33/64
Morrisons have celebrity endorsements talking about
quality and a clear Price Crunch message is working wellPLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
34/64
MorrisonsXmas Half Price Dec 08.movCOPY
UK 26/01/09Youll always find great low
prices at Morrison's. All thisfruit and veg, just 50p each.
The price crunch at Morrison's.
Click to play
PLACE
Morrisons has had great success with new promotional
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20Morrisons%20Price%20Crunch%20-%2050p%20veg%20-%2026%20Jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20Morrisons%20Price%20Crunch%20-%2050p%20veg%20-%2026%20Jan%2009.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
35/64
PLACEMorrison s has had great success with new promotional
messages
-
8/3/2019 Retailer Strategies in Economic Downturn
36/64
PLACE
AldiUK
Interestingly in the UK, Aldi appears to be using these troubled times to reposition itself and targetthose who want to save money yet dont want to compromise on quality when it comes to food.
The German-owned retailer has long been seen as a budget supermarket with price-focused andfunctional marketing reflecting this image. However since 2008 its advertising has changed tack
with more emphasis on its competitively priced fresh fruit and vegetable offer. It has recentlyenlisted the services of celebrity chef Phil Vickery and the brands latest (Sainsburys-esque) TV
initiative sees the chef cooking up tasty delicacies which can feed a family of four for just 7.Ending with the words Dont change your lifestyle, change your supermarket its evident that Aldi
is hoping to subtly entice now-thrifty consumers from the likes of Sainsburys, M&S and evenWaitrose into its stores. Not wanting to alienate its core and loyal consumer base, the brand has
continued with its long standing press initiatives (both ads and inserts) highlighting its competitivelypriced food and non-food lines.
Phil Vickery Dont change your lifestyle change your
-
8/3/2019 Retailer Strategies in Economic Downturn
37/64
Aldi, renowned for its powerful price discount approach, is now stressing its premium/luxury offer
(such as fresh sea bass) with the end line Dont change your lifestyle, change you supermarket.
Source: Xtreme Insight Communicating in a Downturn Nov 2008
COPYUK
Dont change your lifestyle, change your
supermarket
PLACEPhil Vickery Don t change your lifestyle, change yoursupermarket
Phil Vickery Dont change your lifestyle change your
-
8/3/2019 Retailer Strategies in Economic Downturn
38/64
Source: Xtreme Insight Communicating in a Downturn Nov 2008
Click to play
PLACEPhil Vickery Don t change your lifestyle, change yoursupermarket
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20Aldi%20phil%20vickery%20-%2016%20Sept%2008.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20Aldi%20phil%20vickery%20-%2016%20Sept%2008.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
39/64
However, not abandoning its simple price message PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
40/64
PLACE
LidlUK
-
8/3/2019 Retailer Strategies in Economic Downturn
41/64
PLACELidl is using simple and clear price messages
-
8/3/2019 Retailer Strategies in Economic Downturn
42/64
PLACEand it is now strengthening its convenience positioning
Lidl are communicating the quality and value of their private
-
8/3/2019 Retailer Strategies in Economic Downturn
43/64
PLACELidl are communicating the quality and value of their privatelabels
Lidl are communicating the quality and value of their private
-
8/3/2019 Retailer Strategies in Economic Downturn
44/64
PLACELidl are communicating the quality and value of their privatelabels
-
8/3/2019 Retailer Strategies in Economic Downturn
45/64
PLACE
WaitroseUK
Waitrose is taking on M&Ss 'Dine in for 10' offer, enabling customers to buy two main courses, adessert and a bottle of wine for 10.
Waitrose's offer is almost identical to the M&S offer, which has been running for several monthsand was recently described by its executive chairman, Stuart Rose, as a 'spectacular success'.
-
8/3/2019 Retailer Strategies in Economic Downturn
46/64
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
47/64
COPYUK 22/01/09
Right now at Waitrose,choose from a selectionof meals for two main
course, side dish,dessert and a bottle of
wine all for 10. Enjoy!
Click to play
PLACE
http://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20Waitrose%20%C2%A310%20-%2022%20Jan%2009.wmvhttp://marketing-repository.unilever.com/learningforumicons/news/Econ_Downturn/Ads4Proposition/x%20Waitrose%20%C2%A310%20-%2022%20Jan%2009.wmv -
8/3/2019 Retailer Strategies in Economic Downturn
48/64
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
49/64
PLACE
Marks and SpencerUK
M&S, which has a long term messaging and spending commitment to positioning its food firmly inthe premium/quality sector (This is not just food, this is M&S food), is now increasingly stressing
price (e.g. Dine in, two for 10, 3-for-2 Mix and Match) and its famous pre- One day Christmasspectacular sale.
RETAILExample PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
50/64
RETAILExample PLACE
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
51/64
PLACE
BootsUK
More surprising for a brand so long seen as caring and nurturing and now taking on itslow cost competitor - Superdrug
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
52/64
Asda
PLACE
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
53/64
PLACE
Continental Europe
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
54/64
PLACE
CarrefourFr, Sp, Be
Across the channel, the current economic crisis has thus far hit Carrefour hard in its core Europeanmarket. In its native France, as well as in Spain and Belgium, it has faced increased competition
from German discount retailer Lidl, as the credit crunch begins to bite. To counter this it has begunto price slash and run more promotional offers, all of which have been extensively marketed. Theapproach taken so far has centred on the purchasing power of the company and how this meanslower prices for the consumer. This is reflected in a recent rallying cry-style slogan which readsThe hyper purchasing power; Carrefour is working for you. Although not a direct reference to the
situation, it certainly hints at the problem and press ads also feature images of an army of the
chains workers, cheering as a result of falling prices. The campaign is very price-led with costsmentioned across all media forms. In France in particular, Carrefour has attempted to entice
customers into stores by slashing prices on a select number of electrical products (microwaves,bread makers etc) for set periods, which it has publicised by radio activity. It appears that such a
strategy is paying dividends as the group reported growth of 3.5 percent to euro10.8 billion ($13.8billion) at the end of October.
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
55/64
PLACE
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
56/64
PLACE
United States
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
57/64
PLACE
Wal-martUS
Meanwhile in the US, retail monolith Wal-Mart is actually prospering during these times of financialwoe as changing consumer spending patterns seemingly favour brands offering the best value formoney. The brands Save Money Live Better initiative, introduced last year, is now coming into its
own following a series of ads advising families on how they can save up to $700 by shopping atWal-Mart, and how these savings can be spent elsewhere. Ads in this campaign have taken afunctional yet emotive approach with a focus on how such savings can benefit the family and
deliver special moments, the fulcrum of the strategy. Notable examples include back to school
and university starters activity which depict Mums describing how grocery savings have gone
towards textbooks, equipment and furniture. This is an approach which is set to continue with thecompanys Thanksgiving and Christmas marketing, ranging from TV to digital and circulars, to
concentrate on how grocery savings can be used to buy gifts - with gift sections in stores featuring$5 and $10 price points. An upcoming Christmas ad will, according to Steve Bratspies, senior VP-marketing, focus on how Mom's going to feel on Christmas morning when she can save money
and deliver the gifts that her children really want.
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
58/64
PLACE
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
59/64
PLACE
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
60/64
PLACE
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
61/64
PLACE
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
62/64
PLACE
TargetUS
Rival supermarket brand Target is trailing in Wal-Marts wake. Despite adapting its strapline toExpect More. Pay Less in light of the economic downturn, as well as vocalising its intent to be a
price leader, consumers still don't appear to be buying it. The retailer is having a tough timepersuading customers to snap up its more fashionable offering. Kathee Tesija, exec VP-
merchandising, noted that consumers are continuing to trade down, for example, from a duvet to acomforter. Target's house brands, however, are performing well, which she says is likely
attributable to a trade down from national brands. Right now the consumer is more than hesitant.
They are very stressed right now, and we, like other retailers, are all struggling from the inability ...to motivate and inspire people to come into our stores.
PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
63/64
Extending Discounts & Delivering Value PLACE
-
8/3/2019 Retailer Strategies in Economic Downturn
64/64
Extending Discounts & Delivering Value
Good Til pricing
program, reducedpricing on over1,000 items throughJan. 7
Limited membership
to its Sams Club: $10for 10 weeks.
Cut Prices on
Over 300 Toysfor the holidayseason
Affordable food
summits whereconsumers aretaught how to lowertheir grocery bills
Offers classes
on how to cutenergy bills
Hired family financial
expert for onlinechats to teachshoppers how tosave money, paydebts or sell a house
Price cuts on
hundreds of itemsin anticipation oflower productioncosts
Offering ways
to feed a familyof four for $8 orless; similarprograms atHEB, Food