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A10a Many overspend on trendy items their kids don’t need—or use. Stick to the list. Make a plan, check what you already have, and focus on function, not hype. #CreditChat

A10. Think about what expenses are coming. Set aside time at the beginning of the school year to map out what expenses are coming. Place those items in your home budget. Get the budget template here: https://t.co/mWQLZ3gW6t @Experian #CreditChat

A9. Before you head out the door or shop online, it’s important to create a realistic budget and communicate it to your children to ensure that everyone is on the same page. Prioritize the must-have items, and don’t feel the need to buy everything at once. #CreditChat

@Experian A9. Stick to that budget! You don't have to keep up with the latest trends. A backpack is still a backpack. #CreditChat

A9. Keep your #savinggoals in mind. Stick to #smartgoals for paying down debt. Remember that it will feel so good to get to financial security. This list shares smart simple tips to stick to your goals. https://t.co/0LsEX2LZmZ #creditchat #smartsaving #money #budget @Experian

Super cute and creative! #CreditChat

A9 Families can avoid debt by: · Sticking to a strict budget · Using cash instead of credit · Prioritizing essential purchases over desires Additionally, they can utilize community resources like school supply drives and second-hand stores to reduce costs. #CreditChat

A8. I grew up reusing markers and colored pencils each school year. My parents taught me to be #frugal. So, I created a list of fun school supply DIYs to get creative and make reused supplies feel like new. https://t.co/7UnfDeMRJe #creditchat @SpouseLinkOrg

#creditchat

A7. Shop local first. Discount stores like @OlliesOutlet have great prices. @DollarGeneral is another fave of ours. We live in the country, so DG is all over and has great prices. We also reuse what we can like I shared here: https://t.co/e3UkMT56W0 #savingmoney #inflation #sahm

A6. Let the kids see you making your budget. Talk about it. Then, when your children are 16/17 help them make their own budget. We do this to teach #lifeskills to our #teens. Read about it here:

Q6. How can parents involve their kids in budgeting and shopping to teach financial responsibility? #CreditChat

@Experian A5. Prioritize your back-to-school supplies by need. Figure out what's necessary and what can wait a little longer. What can you get secondhand? What can you reuse from last year? Does it have to be namebrand? Create a plan and stick to it. #creditchat

A5. The key is a household budget. It is vital! Track any credit card payments where you are paying it off, all income, all expenses, and then stick to it. https://t.co/e3UkMT56W0 #Smartbudgeting will bring about future #financialfreedom @Experian #CreditChat

Awesome! 👚👗👖👕 #CreditChat

A3: Our back to school planning started around Thanksgiving of the prior school year. Universal, non-fashion items often go on sale throughout the year (pencils, pens, notebooks, socks, underwear. . .). Take advantage of savings at holiday sales! #creditchat

Yes! Make it a challenge. #creditchat

A4. For us, it’s clothing. The kids grow so quickly! We head to second hand stores like @PlatosCloset first and @OlliesOutlet is also a fave for great prices. @experian #CreditChat #thrifty #savemoney

A3. After purchasing school supplies for the #newschoolyear create a line item in your budget for next year adding a little for future inflation. Then you have a starting point for next year. It is part of back to school organization: https://t.co/3OSRF3jNDY #CreditChat