How to Save Money on School Supplies

Back to school, like Christmas is a family budget-buster today. According to a study by Huntington Bank, the Backpack Index revealed that the average cost of sending a child back to school was $1000 in 2017.

You do not need to drain your bank account and spend that much though. If you plan and start early, it will only cost you a fraction of the $ 1000 to set your kids off.

Here are strategies to help you shop for back to school as a frugal parent, whether your kids are off to college, or starting kindergarten.

Supply sweep

Round up all school and office supplies you own. If you look around, you may have plenty of these lying around your house in the desk drawers, basements bin or closets. Office and schools supplies that you own can help you save a significant amount of money.

Collect all of them in a central location like the dining room. Make a list or take pictures of what you have and carry the list or photos with you to the store when going for shopping to remember what you have.

Also, check the kids closets and dispose of worn-out clothes. Donate or sell what your child has outgrown. The sweep will give you a clear picture of what you need to buy and prevent you from getting what you already have.

Plan a supply swap

Get your neighbors and friends on board, and organize a supply swap before you go shopping. You may have things that they need, like reams of paper bought on sale but will never use. Someone else may have some packs of pencils that they would willingly trade for the paper. Family and friends with school-going children may have extra supplies that they will not mind trading in. Talk to them and sell the idea.

Shop at thrift stores and garage sales

You will find used shoes in good condition, clothing, school supplies and even backpacks in garage sales. Hit up the garage sales for all the things you need as they are a treasure trove. Though this may take time, you may get great bargains and save significantly on back to school clothes and supplies. All you need to do is to start early, and also ask family and friends to keep an eye on garage sales near them. Moms will also find great bargains on other things.

Thrift stores are also a great way to save. Many stores run back to school items sales for parents and clothing is incredibly affordable. Since many parents are after saving, the selection is picked over early, hence you need to start early.

Start shopping for clothes in mid-June to late July when the clothes selection is plenty. Put the clothes away until school start so as not to wear off the newness of the clothes.

Consignment stores

Here you will find great bargains on used clothing as their products are vetted, unlike the thrift store. You will not have to go through blouses from 1975 to get a designer cloth on a budget.

Check if consignment shops around you will have summer sales. Many organize seasonal sales. Keep watch on the back-to-school shopping season as several stores may have a mega-sale in one location.

Check the dollar store

Dollar stores have incredible school supplies bargains and you will find basic things like pencils and notebooks, sanitizer, and Kleenex, all at discounted prices. Shop in summer months as you will never know what the stores will order and how long the items will be in stock.

Compare prices

Amazon’s ever-changing prices are a great way to save on kids electronics that most parents have to buy. Websites like camelcamelcamel track the history of the price range for every product on Amazon. Sign up for the price change alert of the particular products so that you can tell when it changes.

There are many apps to help save money by comparing prices across retailers to find out the best deal. ShopSavvy, available for Android and iOS users will let you know if a product is available at a lower price in another store when you scan the barcode. Download a barcode scanner for it to work.

Also, check your nearest drugstore or grocery store for the best prices on school supplies. You may be surprised that items are cheaper in your neighborhood when on sale than the big stores. If you have any store dollars from loyalty programs, consider using them and save.

Conclusion

Many parents would rather enjoy summer than think of back to school shopping for the coming school year. However, it pays to prepare early. Planning ahead will save you money as you take advantage of every sale and opportunity to save that comes your way. Find a safe way of keeping the coupons you collect through the year as they will come in handy when shopping for back to school.

This post is a collaborative effort by St. Louis Dad.

Read More

Dealing With a Breakup When Children are Involved

A relationship coming to an end is rarely a happy and positive situation. There tend to be all sorts of negative emotions flung about. You may experience upset, hurt, jealousy, anger, and other undesirable feelings. You are also likely to have arguments and heated debates in the lead up to calling things quits. It’s a generally unpleasant situation to find yourself in. However, things can become even more difficult and complicated when there are children involved. If you and your partner have children and are considering bringing your relationship to an end, you’re going to have a whole lot more responsibility on your plate than the average couple without children do. After all, you need to put your little ones’ needs first and foremost and ensure that they are okay throughout the entire process. Here are just a few pieces of advice that you should bear in mind when it comes to dealing with a breakup when there are kids involved!

Remain Civil

If you are sharing custody of your children, you’re going to have to remain relatively civil with your partner. No matter what water has passed beneath the bridge in your relationship, you’re likely to have to maintain some form of contact in order to share responsibility over raising your children. You need to set a good example to your children – constantly arguing and nitpicking can create a hostile environment and encourage negative behavioural traits in them should they decide to copy you.

Request Legal Help

If your partner refuses to remain civil and is trying to claim full custody over the kids and is trying to completely cut you out of the equation, you may need to consult father’s rights help. This will help to put you in touch with legal professionals who can ensure that you aren’t removed from the picture of your little ones’ lives.

Seek Support

This entire process can be emotionally challenging and draining. Remember that you are not alone! There are plenty of different sources of support out there that can help you to pull through this difficult time. Friends and family can provide a shoulder to lean on, but also bear in mind that there are specialist support groups as well as helplines should you want to talk to a neutral individual who isn’t involved in your life in any other way. Never feel that you are being weak by reaching out for emotional support and help – we all need it during hard times in our lives.

Sure, dealing with any breakup in life is going to be relatively difficult. But having children in the mix can add a whole new dimension to the process. But try not to worry too much. The above advice should help you to deal with the situation as well as possible!

This post is a collaborative effort by St. Louis Dad.

Read More

Great Ideas for Your Kids’ Midweeks Rewards

As a parent, you know very well that the best way to encourage good behavior is to give them rewards for good deeds rather than punishments for when they’re acting out. Children tend to learn when they get incentives – and we all need something to motivate us, after all.

The only problem is that children want the one thing they can’t always have in the middle of the week: candy, chocolates, waffles, pancakes – the list goes on. Anything sweet is a great reward, in your kids’ eyes, but not always the best choice of reward according to parents.

Luckily, there are a few other ideas which you can both agree about. Show your kids that you care about their hobbies and interests, first of all, and you should be able to come up with a ton of ideas for rewards. Here are a few just to get you started.

Movie night with popcorn

Sure, this one does include some snacks but popcorn is considered to be quite healthy, in any way. Just don’t drench it in salt and butter and your conscience should be clear. A movie night with mom and dad might just be the perfect way to end a gray and gloomy Wednesday.

Let your kid know before a big test or something challenging that, if they do good, you can all watch a movie of their choice together over dinner. Naturally, you’re not going to deprive them of this if they come home crying about not doing as well as they thought, though, as any effort should be good enough.

The trick is to give them an incentive to do their very best and make it clear that their best is always good enough for you.

Boost their gaming goals

Do you have children who would sit in front of their computer games all evening if they could? While your role may be to tell them to get off the computer, in general, you could always take advantage of their interest and make them work a bit for it.

Let your kid know that they can be allowed to buy osrs gold, for example, as long as they put in a bit of extra effort with their homework and chores this week. It’s a great way for your kids to see that you’re not always working against them, and that they can enjoy their hobbies undisturbed as long as they take care of their responsibilities first.

You could use it as a surprise reward as well, by the way, to encourage good behavior. Seen your kid being extra sweet to their siblings lately or helping our mom and dad with something without even being asked? Treat them to a little something as a surprise – you’re guaranteed to see the same kind of behavior again and again.

The best kind of gifts come after hard work or good behavior. You want your kids to understand that as long as they try their best and their intentions are right, they may be rewarded – not every time but at least once in a while.

This post is a collaborative effort by St. Louis Dad.

Read More

Could You Be A Self-Made Mogul? Tips For Aspiring Entrepreneurs

Do you fancy yourself as the next big thing in the world of business, have you got a ground-breaking idea, or would you like to be your own boss? Starting a business is never easy, but there are attractive rewards on offer for those who manage to make it to the top. If you’re thinking of launching a startup, or you’re in the throes of putting a business plan together, here are some tips to bear in mind.

Image credit https://pixabay.com/en/business-paperwork-deal-agreement-3152586/

Finding your niche

Before you even think about designing logos or printing off business cards, it’s crucial to ensure that there is a market out there for the products or services you plan to offer. If you’re operating within a saturated market, or there simply isn’t a demand for the product you have in mind, you’re going to struggle to generate profits. Research the market, check out the competition, and try and find your niche. If you are confident that you can make it work, prepare thoroughly, get to know the people you want to sell to and work out how you’re going to persuade them to choose you over your rivals.

Drawing up a strategy

It’s not enough to have an ingenious idea when you’re trying to make it in the world of business. Many ventures start with a lightbulb moment, but you have to be able to turn a vision into a viable business plan, which will actually earn money. Plan every move, from the initial idea to getting a product onto a shelf, and be meticulous. Don’t ignore the details, and make sure you’re 100% ready and raring to go before you introduce your business to buyers, customers, or potential investors.

Protecting yourself and your customers

It’s no secret that the vast majority of new businesses fail. In some cases, obstacles are inevitable, but often, taking steps to protect your business and your customers makes all the difference. Ensure that your premises are insured, investigate cybersecurity measures if you sell or collect data online, and look at services like Jumio if you plan to take payments, or you need to verify the identity of your clients. Seek legal advice if you’re drawing up employment contracts, and make sure you’re aware of the legal responsibilities you have as the owner of a company that sells to the public. There are many things that can go wrong in business, and if you’re aware of the threats, you can shield your company, and ensure you’re ready to react if things don’t quite go to plan.

Getting your brand out there

You’ve had that Eureka! moment, you’ve got a solid business plan, and you’re ready to launch. The next step is getting your brand name out there. Use the findings of your market research to create a campaign that targets the right market, up-sells your USP, and gets people talking. Promote your business online, offer introductory discounts, and encourage customers to spread the word and leave reviews and feedback.

Are you hoping to become a business magnate? If so, hopefully, you’ll find this guide useful.

This post is a collaborative effort by St. Louis Dad.

Read More