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InCharge Debt Solutions Offers Families Advice on Budget-Friendly Back-to-School Shopping

    1. Get your school supplies list early. Take inventory around the house of
       what supplies you currently own, and check if any of last year's supplies
       are reusable. Buy new school essentials such as paper and binders in
       bulk, and save these essentials for next year--or when your child fills
       up his or her new spiral-bound notebook faster than expected. Watch for
       sales for non-bulk items such as rulers or calculators, and stockpile
       items throughout the year.
    2. Remember that kids grow quickly. Clothes that fit in August may not fit
       by next year. Make sure to stock up on the basics before buying trendier
       items, and try shopping at discount and secondhand stores instead of the
       mall. When it's time to shop, generate a list of new clothes that your
       children need, but don't feel obligated to buy an entire wardrobe at
       once: kids may request a few new items once they see what everyone else
       is wearing. And don't forget to check that your children's clothes are
       within the rules of school dress codes!
    3. Use gift cards to teach older kids about smart shopping. Give your older
       child or teenager a store gift card to use for back-to-school clothes or
       school supplies. Your child will feel independent swiping his or her
       card, and you can still monitor spending. Gift cards also teach kids
       about budgeting and comparison shopping.
    4. Don't forget hidden fees. Doctor appointments, school fees, and even
       extracurricular supplies are often-overlooked components to your
       back-to-school spending. Keep in mind your child's fall activities when
       planning your budget, and plan ahead to pay for weekly fees or one-time
       purchases such as musical instruments or sports equipment.
    5. Keep your receipts. Besides allowing you to return unwanted or unused
       items, receipts provide physical evidence of your purchases. You can
       track how much you have spent collectively on back-to-school items by
       compiling your receipts into a file. Keeping track of your receipts also
       allows you to pull together a realistic budget for next year. If you shop
       online, make sure to print out receipts and tracking orders for online
       purchases.

InCharge Debt Solutions is a nonprofit organization that provides consumers with education and personal financial management tools, teaching them to gain financial stability and use their credit responsibly. InCharge has guided over one million financially-distressed individuals and families to debt-free futures.

For more information about InCharge Debt Solutions, visit www.InCharge.org or call 1-888-360-9694.

About InCharge® Debt Solutions

Headquartered in Orlando, Florida, InCharge Debt Solutions (InCharge) provides professional credit counseling, housing counseling, and personal money management education to consumers, and is a member of the Association of Independent Consumer Credit Counseling Agencies (AICCCA). InCharge is one of the unique nonprofit credit counseling and housing counseling organizations to be dually accredited by both ISO 9001-2008 Quality Standards and the Council on Accreditation (COA). Consumers can access InCharge Debt Solutions credit counseling services for free by calling 1-888-360-9694 or online at http://www.InCharge.org.

SOURCE InCharge Debt Solutions