You could sell tickets to local tours or coupon books.

You can always have a zero-coupon bond but that has interest rate baked into it.

And yes; take advantage of the Black Friday sales...other times I'll use my 10 percent off Lowes coupons (also accepted at Home Depot) coupled with gift cards purchased through raise.com or cardpool.com at 8-9 percent off their face value.  

When you pay back principal early, they essentially apply a coupon / discount for paying it early.

AND it doesn't have to be because the price went down, let's say you get a coupon for 20% off your gas, what happens?

This down payment needs to come from the principals funds, and not from third parties, or worse, the seller.Years ago a lot of deals were done using “creative “ accounting so it appeared that the borrower was coming up with the down stroke while it was actually the borrower; contracts were written for prices higher than the actual selling price; money was transferred from sellers account to jointly owned “escrow “ accounts; sales were set up to “land trusts”, zero coupon bonds purchased for 10c on the dollar were recorded at full face value when use as a down payment, etc.

In front of me was a lady, maybe 60 or slightly older, with a few coupons on the register.

Do you get those “home mags” in the mail that are 100% homer related ads/coupons, or local home improvement shows?

One of my condo associations gives out direct deposit booklets with coupons for each month, and that is my responsibility to mail out.

At that time I was living in a scarcity mindset, something that was developed when I was a child through my parents (my mom would pick up pennies & clip coupons lol).