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The-Mortgage-Gal
Get organized, stock up on the basics, and look for sales and promotions.  (Photo: Flickr user, claudiasnell)
Get organized, stock up on the basics, and look for sales and promotions. (Photo: Flickr user, claudiasnell)

Smart back-to-school shopping

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Start your back-to-school shopping with a game plan. Even if your child's teacher hasn't provided a list of school supplies, you can't go wrong by sticking with the basics and taking advantage of back-to-school sales. Here's how:

Make a list and get your child involved.

Use the recommended or required supplies from your child’s school or teacher as a starting point. If you don’t have a list yet, check with parents at your school who have older kids. They might have good advice about what is required in your child’s grade. Sit down with your child and go over your list together. You’ll be teaching your child how to get organized, a skill that applies to more than shopping.

Separate wants from needs.

Most school supplies don’t go out of style, and your child will happily use the unsharpened pencils his older sister didn’t use. But as any parent with last year’s superhero notebook knows, beware the power of trends. Rather than getting into an argument with your older child about whether a backpack with headphones is essential because “everybody is getting one,” try setting a budget for supplies. It will help your child set priorities, learn how to manage money, and start saving his allowance for the items your budget won’t allow.

Take inventory.

Sort through last year’s supplies to see what is left over or can be reused. (Having trouble finding last year’s stuff? Resolve to set up a place to keep your school supplies together this year.)

Start early and look for bargains throughout the summer.

The best bargains are often available at back-to-school sales. Keeping your supply list in your car or purse or on your PDA will help you shop for supplies as you do your other errands.

Buy basics in bulk.

You know you’ll need paper, pencils, glue sticks and notebooks. Dollar stores, warehouse stores and even online classifieds are sources for buying these and other basics in bulk. You and a group of other parents might be able to negotiate a group discount from an office supply store. Then set up a supply shelf or storage container in your home that you can use all year long. You’ll be able to avoid late-night shopping trips to buy notebook paper when you run out. And you’ll know where to find unused notebooks and pencils when it comes time to shop for back-to-school supplies next year.


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About the Author

Tracy Head and Laurie Baird help busy families find mortgage solutions. Together they have more than 45 years of experience in the mortgage industry.

With today’s increasingly complicated mortgage rules, Tracy and Laurie spend time getting to know the people they work with and help them to better understand the mortgage process. They support their clients before, during, and after their mortgage is in place.

Tracy and Laurie work closely with their clients, offering advice and options. With access to more than 40 different lenders, Tracy and Laurie are able to assist with residential, commercial, and reverse mortgages in order to match the needs of their clients with the right mortgage package.

They work closely with their clients to find the right fit, and are around to provide support for years down the road!

Contact them at 250-862-1806 or visit http://www.okanaganmortgages.com

Visit their blog at https://www.okanaganmortgages.com/blog

 



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