Back to school? It’s hard to believe that the summer is just about over. With August just around the corner, most parents are starting to prepare their kids for the new school year. This means making sure they have all the adequate supplies for school and some new outfits or uniforms for the fall. Whether you have one kid or multiple, affording all of this after you’ve just exhausted your budget entertaining them for the summer can be rough.
You know the kids need to be prepared, but how can you afford it all? Luckily, there are a ton of savvy parents out there who figured it all out. Here are some solutions to get your kids what they need for back to school on a limited budget.
Apply for a Loan
Could you use $500 or even $1,000 to help boost your back to school shopping budget? If so, you could apply for alternative payday loans for bad credit. They don’t require collateral or a credit check and if you’re approved you could get several hundred dollars in your banking account within one business day. Most companies offer affordable repayment options giving you several weeks or months to pay the balance in full. So, if you’re a bit depleted from paying for summer camp or a family trip, a short-term loan could tide you over until you secure funds.
School uniforms aren’t cheap, however, lots of public, private, and charter schools require students to wear them. If this happens to be the case for you, there is one way to get uniforms for your kids without having to pay anything – a swap. Some schools host these swaps just before the school year starts offering parents the opportunity to bring in their child’s uniforms for last year and exchange them for uniforms from other parents that may fit. If your kid’s school isn’t hosting one but you’re familiar with some of the parents, you can host one yourself.
The back to school supply list is enough to make anyone go bankrupt. Previously, the best a kid would need were pens, pencils, paper, and a binder. Today, everything is digital and some schools require their students to have tablets, laptops, and other mobile devices. Before you head to the nearest retailer and purchase such devices, ask about refurbished options. These are devices that were broken, turned in to the manufacture, repaired, and are now being sold at a more affordable rate with a warranty.
If your child still needs supplies like folders, pencils, pens, binders, staplers, post-it notes, erasers, rulers, and notebooks, dollar stores are going to be your best option. They have all of these supplies available for a dollar or less allowing you to load up on what your kids will need for the year. Some, even accept coupons so you can cash in on additional savings.
If you thought the last few weeks whizzed by, you’ll be surprised at how quickly the first day of school comes around. Unless you want to end up with slim pickings and high prices, it’s probably best that you start shopping now. Use the money saving tips above, as well as a little help from a short-term lender to make sure that your kids are geared up for school.