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Beth A. Botti, CFP®, ChFC, CLU, CDFA™
Financial Consultant
California Insurance License #0G24537
612 Wheelers Farms Road, Milford, CT 06460
Phone: 203-877-6556 Ext. 169
Fax: 203-301-0736
Email: beth.botti@equitable.com
September/October 2017
Get smart about back-to-school shopping
Back-to-school shopping is big business. In fact, it’s the second biggest shopping season after the winter holidays, according to the National Retail Federation. If you have school-age children, here are some tips to help them get ready for the school year without busting your household budget.
Do your homework
Start with the supply list from your child’s teacher or the school website. If your child already has some of the items on hand from last year, you can reuse them this year. After you edit the supply list down to what you actually need, clip coupons, check circulars and look for online deals. When you do head out to the stores, stick to your list. Consider shopping alone if you have a child who will beg you to purchase items that aren’t on the list.
Learn your lesson
The start of the new school year often is the time when parents purchase new clothing and shoes for their children. Once again, you’ll want to look for sales and only purchase items your child actually needs. You may want to wait to buy winter clothes. If your child is having a growth spurt, boots bought in September might not fit in December. And since kids can outgrow clothes so quickly, consider having a clothing swap with friends who have kids who are different sizes and ages than yours. Consignment shops and thrift stores also are a way to buy trendy clothes for less.
Teach your children
You can turn back-to-school shopping into a learning experience for your kids. Get them involved by having them research and compare prices for items on their lists. When you go to the mall, give them money and let them decide what to buy. You and your children should agree on a list of the things they are responsible for purchasing. Then it’s up to them to figure out that if they splurge on one or two expensive items, they might not have enough to buy the other things on their list. Learning how to stick to a back-to-school budget is a lesson that may serve them well in life.
FINRA Reference FR2017-0427-0092/E 08/02/17
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. Your connection to this website does not necessarily indicate that the sender is able to transact business in your state. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm's Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.
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