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The clipping this text was read from
The clipping this text was read from

It’s hard to believe “back to

school” season is right around the comer, but that’s what store displays have been telling us for weeks. Before blindly opening your wallet, take a few moments to form a plan of attack for both you and your kids. It could save you a lot of time, money and aggravation. And, it’s a great opportunity to educate your children on how to budget for planned - and unplanned - expenses.

Make a list and set your budget. It’s a good idea to know what you need to buy and how much is available to spend before going shopping, whether in a store or online. Having a defined back-toschool budget and sticking to it is essential. For help creating a budget, go to Practical Money Skills for Life, www.practicalmoneyskills.co m. The site, run by Visa USA, contains a handy Back to School Calculator designed to help you and your kids determine school-related expenses, make necessary adjustments to stay within budget, and then hit the stores. The site also features

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