Back To School Budgeting For Parents

During the “back to school” time, parents can find that they are spending large sums of money on clothing and other supplies for their children. As children reach higher grade levels, their desire to keep in style with their peer group grows, as does the need for certain school supplies. Parents often find themselves under pressure to keep their children in the latest fashions in order to prevent the possibility that their kids will be considered different or not as cool as the other children. In addition, children pressure their parents to allow them to shop at the best stores, which usually mean the stores with the highest prices.

According to the Quarterly Retail Commodity Survey in 2008, parents spent $238.8 million on girl’s clothing, $221.0 million on boy’s clothing, and $114.1 million on unisex clothing. Those numbers are eclipsed by $945.9 million spent on school supplies. The majority of these parents will start their “back to school” shopping in July. Before parents start pulling out the credit cards and start financing new wardrobes, they need to rememberthat they will be spending large amounts of money on clothing that their children will grow out of very quickly.

It is important to find a balance between the investment in your children’s fashions and the longevity that will come from them. Consider purchasing classic pieces that will remain in style for a long time rather than something that is a rapidly passing trend. Unfortunately, it is these fad trends that tend to attract the attention of children. Not only do they see the fashions on their friends, but they are constantly being told what is hip and cool by their idols on television and other media..

There are ways to compromise with your child regarding how much money you spend on their back to school clothes. For example, you can tell them that they are allowed two articles from one of the name brand trendier shops, but the rest of their clothes must be purchased at a less expensive store. These days, top quality and name brand clothing are being sold at large department stores. Children’s favourite actors and singers are often launching clothing lines or make up lines, which are almost always sold in a variety of stores. It is easy to grant your child a fashionable and stylish wardrobe that is also reasonably priced.

Another way to compromise with your child is by having them earn the money to purchase the more expensive articles of clothing themselves. This will help them understand how expensive some of the clothes really are in relation to others. They may even start to grasp the fact that they can purchase much more with the same amount of money at discount stores.

This tactic can also be used in terms of school supplies. While your child may want the more expensive name brand supplies, it is important to teach them that quality can be bought at a significantly lower cost.

Adriana Noton is a freelance writer who writes on a variety of financial topics including personal budgeting and debt counselling. For more information about personal finance and credit help, ConsolidatedCredit.ca is a tremendous resource on the topic for Canadians.

Frugal Guide To A Tebow Broncos Jersey

He’s coming! That’s right the best college football player ever is departing the confines of the University of Florida and heading to the NFL to play for the Denver Broncos.

So if you’re rooting on the Broncos or are just a long-time admirer of the Gators/Tebow, you’re going to need to purchase a Tebow Broncos jersey. Here are a couple of tips to finding a Tebow Bronco jersey that won’t bust your budget.

Tebow Broncos Jersey Buying Tip No.1: Playing it Safe

If you’ve got some extra cash lying around then you’ll probably be able to purchase one of the many tebow replica jerseys available on the web. (This is the jersey that skyrocketed up the sales charts soon after Tebow was drafted.)

So how much will this tebow jersey cost you? Prices can vary but this is currently going for about 75-85 dollars. Another great option is the ability to get it 3 different colors: blue, white and the alternative orange jersey.

And where do you get this Tebow jersey? Well, there are a ton of places online you can go, but I highly recommend Amazon. (Shipping is free; returns are easy.)

Pros/Fast delivery. Returns available. Cheaper than your local apparel shop.

Cons/ Not the cheapest option.

Tebow Broncos Jersey Buying Tip No.2: Taking a Risk

So if around 85 bucks seems like a big amount of cash–and in this economic climate it is–then there is a riskier cheaper option. And that would be buying a Tebow Broncos jersey in China.

Now the NFL would prefer you not know this, but the truth is you can get some seriously authentic-looking NFL jerseys for a fraction of their cost over here. (And these wouldn’t be the Tebow Bronco replica jerseys, mind you. But the full-on stitched ones.)

It might be a pain to retailers abroad and the shipping might be a tad interesting. But for getting your hands on a jersey that looks like a 350 dollar model for about 40 bucks then this can be a great deal.

Pros/Great bargain.

Cons/Shipping is a challenge. No return policy.

Tebow Broncos Jersey Buying Tip No.3: Getting Creative

For those who are really feeling a pinch in the wallet–I know I’m one of those–then there is one super ultimate cheap way to go. Transform your Brandon Marshall jersey into a Tebow Bronco jersey.

Crazy? Insane? Tacky? Perhaps. But before you poo-poo that idea remember that there will probably be a ton of Bronco Tebow jerseys out and about. (Especially in Florida.)

This way you’ll up your ironic hipster cred and save a ton of money in the process.

Pros/Ultra ultra bargain.

Cons/May look slightly tacky.

Want to find out more about how to find great deals on a Tebow Broncos Jersey, then visit http://tebow-broncos-jersey.com/ for more info on how to save money–and root on the best college football player ever.

Ways To Budget Money On Clothes

Nowadays every penny counts, not to mention every dollar. You’ve probably decided to budget more tightly to make your money go further. One place you are undoubtedly spending more than you would like is on clothing for the family. We all want to look nice and this can add up.

There’s no reason to go overboard on buying clothing. You can still look neat and presentable and attractive on a budget. It doesn’t mean you’ll look like you are wearing castoffs, but at the same time you should let go of the need to wear expensive designer duds. Think happy medium; you should be able to look nice and let your personality show without great expense. Here are some cost saving tips to remember when shopping for clothes for the family:

Don’t follow trends. The trendier something is today, the more ‘out’ it will be tomorrow. You’ll end up hating to wear it in short order. Don’t follow the latest thing coming out of Milan or Paris.

Extreme clothes that don’t fit your personal style wont’ be worn, even if they are the ‘hot label’. Instead, follow what looks good on your figure, fits with your lifestyle, and suits who you are.

Kids clothes aren’t trendy in the same sense, but they do follow trends. Don’t buy items that feature characters. Your child’s favorite cartoon today will be ‘for babies’ in a month or two and she will declare she cannot wear the item. Clothing featuring characters from the latest movies also look dated quickly.

Dry cleaning adds expense. Never buy items that require expensive or fussy treatment. If you have to dryclean that bargain dress that only cost you $40, but every time you clean the garment it costs you $6, the dress really isn’t that much of a bargain!

Check labels for care instructions, and make sure that you are buying clothing that you can adequately take care of on your own. You can always get the special detergents that help brighten whites or prevent darks from fading and so on to help your clothing last longer. The clothing that you purchase should be easy enough to wash at home, without a lot of fussy treatment or unusual settings.

Watch your accessories cost. Each accessory might not cost that much on its own but they really add up. A few well-chosen accessories can add punch to an outfit, but remember the goal is to keep the cost of your clothing purchases to a minimum.

Refer to various other writing pieces written by this writer dealing with topics such as womens jean shorts and plus size denim shorts.

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