Jim and his wife wanted to buy a new bed for their son. At the store the couple found one they liked for $800. There was an in-store offer of 90 days same as cash; however, CFE advised Jim to avoid consumer debt. Rather then becoming indebted to the furniture store, Jim decided to save $60 per paycheck (two times per month) in cash. Their son slept on an air mattress in the meantime. After four months, they had saved $450 in cash. Jim hesitantly went to the store again to make an offer; although, he was nervous to do so. To his surprise, the salesmen accepted his offer of $450 cash for the bed that bed with an original asking price of $800. Jim saved his family $350 by being diligent, patient and willing to ask.