In the book, “The Millionaire Next Door,” written by Thomas J. Stanley and William D. Danko, the authors dispel the myth that millionaires live flashy, Kardashian-style lives. Quite the opposite!

Most millionaires live beneath their means, and spend their money wisely – frugally, even! We can do that today through coupon apps.

Most stores have apps, from Target, where you can make your shopping list and gather coupons online to WalMart, which cross-shops local deals and refunds you the difference if the app finds what you’ve purchased is cheaper at another local store. There’s also iBotta, which refunds money based on your purchase receipts.

Locally, Hatter Benefits is a program that allows Stetson University students, staff, and faculty to save instantly at local DeLand area businesses as well as hundreds of Central Florida merchants.  Display your Hatter Benefits card at any Gold Benefits merchant and save instantly.

Card registration and a list of merchants is available at GBHatterBenefits.com; like the program on Facebook at facebook.com/HatterBenefitsGB to learn when new merchants are added.  Don’t have a Hatter Benefits card?  Stop by the Alumni House or

see Nancy Kernan in the Lynn Business Center room 432.

Bottom line: Increase your own bottom line by using coupons and apps – like millionaires do.

Valrie Chambers, Ph.D., professor of accounting, and Betty Thorne, Ph.D., professor of statistics and the Christian R. Lindback Chair of Business Administration, write Financial Fridays to bolster students’ financial wellness including preventing financial mistakes, safeguarding their assets and identity, and thinking critically about financial decisions. For questions, contact Valrie Chambers at [email protected].