Page 131 - Credit Matrix: The Path to Financial Liberation Red Contract

Hack #19 The Baby Product Credit Method

**Strategy Overview**

The Baby Product Credit Method is an ingenious approach to acquiring essential baby
supplies while simultaneously building credit. This strategy involves purchasing gift
cards for baby products at a significantly reduced cost and using them to stock up on
necessities for newborns and young children.

**Step-by-Step Implementation**

1. **Selecting the Right Marketplace**: Choose a Buy Now, Pay Later (BNPL)
marketplace that offers gift cards for major retailers. Look for platforms where you
can purchase gift cards at a discount, such as 75% off the face value.

2. **Purchasing a Walmart Gift Card**: Walmart is an ideal choice due to its wide range
of baby supplies. Purchase a $100 Walmart gift card from the chosen BNPL

marketplace. You'll only need to pay $25 upfront, with the rest payable over six weeks.

3. **Adding the Gift Card to Walmart Money App**: Once you've obtained the Walmart
gift card, add it to the Walmart Money App as a gift card balance. This integrates your
discounted funds with Walmart's shopping system, making it easy to manage your
purchases.

4. **Ordering Baby Supplies**: With the gift card added to your account, you can now
order a variety of baby products online. This can include diapers, bottles, bibs,
formula, baby food, and other essentials. The $100 value allows you to stock up on
necessary items in one go.

5. **Repeating the Process**: This method can be repeated as often as needed to

ensure a constant supply of baby products. It's a valuable strategy for managing
expenses, particularly during challenging financial times or periods of high inflation.

6. **Gifting Strategy**: This method isn't just for parents; it's also perfect for those
looking to buy baby shower gifts. You can provide a substantial gift while making an
economical purchase.