If you are sending your adult children off to college you know that there are three school related expenses which make up the bulk of your budget: tuition, room and board, and textbooks. The first two expenses are mostly fixed and predictable costs, while the third is impossible to predict as well as a potential budget buster. You may not be able to predict textbook expenses, but you certainly can reduce them by following these three important steps:
1. Shop Online. Your college bookstore has an ironclad grip on textbook inventory, right? Well, at one time that was a true statement. Today, thanks to the internet, websites have sprung up that sell new and used textbooks at prices much lower than those found on campus. Shop with those retailers who have clearly outlined payment, shipping and handling, and return policies. Scan auction sites too for additional savings.
2. Shop Retail. The big bookstore retailers as well as some of the office supply stores carry some titles. At the very least your student can purchase all of his or her supplies off campus, saving you big money in the process.
3. Shop Used. Your campus bookstore knows that having used textbooks on hand will keep them somewhat competitive. The trick with textbook publishers is that yearly updates can make used copies obsolete: planned obsolescence in action! Still, when I was in school I had one professor who encouraged students to pick up the “outdated” copies of one book since he knew the cost was outrageous and he planned on referencing it sparingly. Your student may also learn that some of the titles on the professor's list are optional, not mandatory purchases.
Students today no longer have to feel as if they are being “held hostage” by outrageous textbook prices. Have your student shop wisely and your budget will remain on track.
Showing posts with label back to school. Show all posts
Showing posts with label back to school. Show all posts
Friday, August 27, 2010
Thursday, August 26, 2010
Back to School: Shopping Tips
Back to School sales seem to start almost as soon as your kids leave school for the summer. For parents, these sales are one of the best ways to save money and save big. Let's take a look at some the ways for you to realize savings as you prepare to send your children off to school.
1. Sales. Yes, Back to School sales are still real bargains for parents. The national retail chains such as, WalMart, Target, Sears, JC Penney, and KMart all run sales, as well as do the "pharmacy" chains including: CVS, Walgreens, and Eckerds. The former group of stores are great places to shop for clothing and bookbags while the latter group will feature cut rate school supplies.
2. Dollar Stores. Almost every town across America has the "one dollar" stores where everything is, you guessed it, sold for one dollar. Many of these stores are hit or miss as far as what they carry or what they have available. Some items, even at a dollar, are much more expensive than those found "on sale" at regular retailers.
3. Close Outs. Your kids may protest, but the close out stores -- Odd Lots and Big Lots to name two -- will carry items your family can use. Sure, the clothing may be way out of style, but lunchboxes, pens, stationary, bookbags, and the like generally are not.
4. Hand Me Downs. Big bro or big sis may have articles of clothing or items they no longer use. If they are gently worn/used consider passing these things on to your younger kids.
5. Garage and Yard Sales. Your child's lunchbox or calculator may be found at your neighbor's sale instead of at a retailer. Expect prices to be 50-90% less than full retail.
6. Consignment Shops. Did someone say, Salvation Army? Okay, this is a bit of a stretch. Your kids will probably scream if you take them to a consignment shop, so you can go instead. More than likely what you buy will be for your personal use. Use the money saved to purchase the Nike shoes for your sophomore.
7. Tax Free Weeks. If you live in an area of high sales taxes on clothing, wait for a special "tax free week" to come around to save on purchases. New York City, for instance, is one of the cities with a tax free week. At 8.25%, this particularly high sales tax rate often causes residents to flee the city and drive to New Jersey where there is no tax on clothing. Save on gas, tolls, and time, as well as prop up your local economy by waiting for these special weeks.
There are other ways for you to save money on school supplies including shopping online or by buying in bulk. Back to School shouldn't mean back in debt provided you shop carefully and wisely.
1. Sales. Yes, Back to School sales are still real bargains for parents. The national retail chains such as, WalMart, Target, Sears, JC Penney, and KMart all run sales, as well as do the "pharmacy" chains including: CVS, Walgreens, and Eckerds. The former group of stores are great places to shop for clothing and bookbags while the latter group will feature cut rate school supplies.
2. Dollar Stores. Almost every town across America has the "one dollar" stores where everything is, you guessed it, sold for one dollar. Many of these stores are hit or miss as far as what they carry or what they have available. Some items, even at a dollar, are much more expensive than those found "on sale" at regular retailers.
3. Close Outs. Your kids may protest, but the close out stores -- Odd Lots and Big Lots to name two -- will carry items your family can use. Sure, the clothing may be way out of style, but lunchboxes, pens, stationary, bookbags, and the like generally are not.
4. Hand Me Downs. Big bro or big sis may have articles of clothing or items they no longer use. If they are gently worn/used consider passing these things on to your younger kids.
5. Garage and Yard Sales. Your child's lunchbox or calculator may be found at your neighbor's sale instead of at a retailer. Expect prices to be 50-90% less than full retail.
6. Consignment Shops. Did someone say, Salvation Army? Okay, this is a bit of a stretch. Your kids will probably scream if you take them to a consignment shop, so you can go instead. More than likely what you buy will be for your personal use. Use the money saved to purchase the Nike shoes for your sophomore.
7. Tax Free Weeks. If you live in an area of high sales taxes on clothing, wait for a special "tax free week" to come around to save on purchases. New York City, for instance, is one of the cities with a tax free week. At 8.25%, this particularly high sales tax rate often causes residents to flee the city and drive to New Jersey where there is no tax on clothing. Save on gas, tolls, and time, as well as prop up your local economy by waiting for these special weeks.
There are other ways for you to save money on school supplies including shopping online or by buying in bulk. Back to School shouldn't mean back in debt provided you shop carefully and wisely.
Wednesday, August 25, 2010
Back to School: Bus Safety Tips
Beginning in early August and all the way through much of September, schools throughout the country begin welcoming students back from their summer hiatus. Whether you are a parent, child, school administrator, driver, or a concerned citizen, the following tips will help keep our nation's students safe.
1. Bus Stop. Your child's bus stop should be in an area that is well lit, easily accessible, and away from traffic. If it is not, contact school administrators to have the stop moved. In some situations you may need to contact the school board instead. If you live in an area where there is heavy snowfall, make sure that the stop is sufficiently free of snow, ice, and related debris.
2. Clothing. Children should be wearing bright colored clothing, especially if waiting for the bus before sunrise or getting home after dark. Place removable reflective tape on their outer garments including on their hats and coats.
3. Boarding. Teach your children to only move forward to board the school bus when it has come to a complete stop and the driver opens the door. Children should line up single file as they await entrance.
4. Seating. Virtually all school buses DO NOT come equipped with seatbelts, nor are seats strong enough to resist impact in the event of a crash. Teach your children to be seated at all times and facing forward. Study various brace positions to prepare for the possibility of an accident. Learn optional exit strategies including using the emergency door or windows.
5. Exiting. When exiting the bus, children must move far away from the vehicle to allow the driver to see that they have cleared the bus and are safely away from traffic. Instruct your children to stay away from the bus' rear wheels at all times.
6. Awareness. Teach your children to be aware of other traffic in the area. Do not assume that drivers will stop for them or even see them. If children must cross the street, they are to do so only with the driver directing them. Have them constantly looking both ways as they cross the street until they are safely on the other side.
Every year children die or are injured in school bus related accidents. Many die as a result of a collision involving their bus with another vehicle while others are killed or hurt as they fail to clear the area around the bus or are hit by oncoming traffic.
You can keep your child safe by raising their awareness of potential hazards while the rest of us can make school bus safety a priority by obeying the rules of the road. Let's make this school year a safe one.
1. Bus Stop. Your child's bus stop should be in an area that is well lit, easily accessible, and away from traffic. If it is not, contact school administrators to have the stop moved. In some situations you may need to contact the school board instead. If you live in an area where there is heavy snowfall, make sure that the stop is sufficiently free of snow, ice, and related debris.
2. Clothing. Children should be wearing bright colored clothing, especially if waiting for the bus before sunrise or getting home after dark. Place removable reflective tape on their outer garments including on their hats and coats.
3. Boarding. Teach your children to only move forward to board the school bus when it has come to a complete stop and the driver opens the door. Children should line up single file as they await entrance.
4. Seating. Virtually all school buses DO NOT come equipped with seatbelts, nor are seats strong enough to resist impact in the event of a crash. Teach your children to be seated at all times and facing forward. Study various brace positions to prepare for the possibility of an accident. Learn optional exit strategies including using the emergency door or windows.
5. Exiting. When exiting the bus, children must move far away from the vehicle to allow the driver to see that they have cleared the bus and are safely away from traffic. Instruct your children to stay away from the bus' rear wheels at all times.
6. Awareness. Teach your children to be aware of other traffic in the area. Do not assume that drivers will stop for them or even see them. If children must cross the street, they are to do so only with the driver directing them. Have them constantly looking both ways as they cross the street until they are safely on the other side.
Every year children die or are injured in school bus related accidents. Many die as a result of a collision involving their bus with another vehicle while others are killed or hurt as they fail to clear the area around the bus or are hit by oncoming traffic.
You can keep your child safe by raising their awareness of potential hazards while the rest of us can make school bus safety a priority by obeying the rules of the road. Let's make this school year a safe one.
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