The school year is almost here again (North Carolina). Parents everywhere, rejoice! Soon, your home will be blissfully free of children for seven or eight hours Monday through Friday. Soon, believe it or not, you’ll even start to miss the little buggers. If you’re like most of us, you’ll also be spending a mint on school supplies. From clothes to pencils, paper, and lunchboxes, you’ll be spending a hefty amount for junior to go back to school. And, even after you’ve spent all that money, chances are he’ll come home with several notes from teachers explaining why they need some particular item that you wouldn’t have even thought about buying. Broke already, you might even need to take out payday loans in North Carolina to finish your school shopping.
While there’s no avoiding the expenses which a new school year brings, there are ways to avoid taking out payday loans to finance it. After all, you don’t want to still be paying off your kids’ school supply bill when the next summer vacation rolls around.
Start shopping early. Lots of stores run fantastic specials on school supplies, but they often start three to four weeks before the school year does. The old saying “The early bird catches the worm” was never more true than with school supply shopping. You can buy piles of spiral notebooks for ten to twenty cents while they are on sale, or wait and pay $1.50 or so each. The same kinds of bargains are out there for other school supplies as well.
Take this opportunity to make your kids finally clean out those nasty bedrooms. There are probably school supplies from three years ago lurking under the bed just waiting to be discovered. Additionally, if they keep their rooms clear (yeah, right), they’ll be less likely to lose the supplies you buy them now, costing you less money as the year wears on.
Don’t be afraid to buy some school clothes at rummage or garage sales. Designer clothes are expensive. Wearing used clothes won’t kill your kid, as long as you don’t make them wear used socks or underwear. One piece of advice, though: go into the next school district. While wearing garage sale clothes won’t kill anyone, an occasional teen has been known to die of embarrassment when another student at his or her school recognizes their shirt.
If you do need to take out a payday loan to cover some of the back to school expenses, take only what you need and get it paid off as soon as possible. Payday loans can be useful tools, but they can be a bitch to get off your back if you get into the cycle of re loaning.