Clipping of news on Brazilian Culture, Law and Citizenship
06/01/2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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The first step is to conduct a diagnosis of the financial life of the family, to know exactly what the monthly income and expenses and how much you can afford to purchase school supplies
For those with children, one of the biggest expenses at the beginning of the year is with the purchase of school supplies. But due to lack of financial education, the costs accumulate and families are lost among so many bills to pay, often exceeding the limit of their financial budget.
The biggest question is how to save without having to give up to get the items that children need. To begin, I always recommend to think how much need to work to get your salary. From there, it's easy to appreciate that money, learning to research price and especially to negotiate the purchases values.
So the first step is to conduct a diagnosis of the financial life of the family, to know exactly what the monthly income and expenses and how much you can afford to purchase school supplies. It is essential to shop in advance to avoid having to be forced to pay more expensive last minute. I prepared some guidelines on the subject. They are:
1. Try to talk with other parents and try to make the purchase together, because then the likelihood of getting lower prices increases;
2. Add the school supplies the previous year and see the possibility of reuse. It is even possible to reuse textbooks oldest son to the youngest, if applicable. If it does not, do a good deed and donate the material for children or young households are unable to buy them;
3. Make a list of what you need to buy, not to get lost and end up surrendering to consumerist impulses, leaving to save;
4. Talk to the children before leaving to shopping, explaining the situation in which the family is and how much they can spend on materials. Otherwise it will be very easy to give in to their wishes and thereby spend more than planned;
5. When you are in the store, be honest and explain to the seller clearly what you need, always seeking the best payment option. Always ask how much that product costs in sight? This will provide good discounts. If you have to pay over time, see if the fit plots in the monthly budget.
Buy school supplies requires care, but the investment is worth it because it is what will give the basis for the studies. Worrying about saving while providing what the family needs is part of the financial education process. Pass these lessons to small, because if they learn now will become more aware and financially healthy adults. Happy Holidays and good start to the year to all!
Source: Administrators News
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This article was translated by an automatic translation system, and was therefore not reviewed by people.