14 August 2009

Savvy School Shopping from Average Jane...

School Shopping Savers....

Well, it's that time. If you have kids and are living a typical middle class life - it's time for school shopping and most of us don't really have the money for it this year (did we have the money for it last year?? um, probably not...)
A few tips from around the Internet globe and also a few things that I myself find handy to do an entire wardrobe for a teenager and then turn around and get sports supplies, school supplies, and also have the $20 that's going to have to be sent into the school for the various items that school taxes used to pay for, but no longer do.

First and foremost - if you have a pre-schooler........... wait until after the school shopping frenzy for the sales!! Children's Place often can take $50 from you and in return give you two huge bags full of cute and trendy clothing for your mini-me.

Elementary and Teenagers: You probably won't be able to wait until after school starts to do your shopping without your kid dying on you at the dinner table shopping discussion. They need clothes for the first week! The need supplies for the first day! etc, etc.

Basic Rule #1 - make a list and stick to it, do not stray from the list - get the school supply list that was mailed to you from the school and then make a clothing list (including shoes/belts/underclothes)

Basic Rule #2 - set an amount in your mind that you are going to spend (probably the max amount that you even have available to spend, or what's left in your checking after buying all the hogs in your house their food for the week). If this is only $100, don't panic! That's enough for a good start. If it's less, tell your child that you'll get a few things now and a few things in the coming weeks, focus on a few new pieces of clothes for the first few days and at least their supplies. Luckily the stores have lots of Back To School Sales.

Basic Rule #3 - Start at the discount stores! Go to Gabriel Brothers, TJ Max, Marshall's, the Dollar Tree, Family Dollar, Big Lots, Ollie's, etc.......... Look for all items on your both lists. Whatever you can buy there, buy! Whatever you can't, go to the next price level. Go to Wal-mart, Target, K-Mart, etc. These stores will have the rest of the supplies at cheaper prices, the underclothes, and maybe your kid will even pick some of their clothes from there (especially Target who has nice clothes - but unfortunately isn't that much cheaper than the mall anymore).
FINALLY - after all that is done, take the final items on your list (probably clothes and shoes) and go to the outlets or the mall. Know how much you have left after your spending at the discounts stores, and tell your child, "Hey look, this is what we have. So let's look for sales and try to be smart about this! Ok, Pumpkin?" Or whatever you call your kid when you're trying to put them in an agreeable mood. I call mine Captain Caveman.

Basic Rule #4 - Don't let your little manipulator guilt you into spending more. If they pull out the big guilt guns, pull out your own weapons. Especially if you have teenagers who can handle a little real life bubble-bursters. For my 14 year old, his $160 sneakers were just not going to happen, when the guilt speeches started coming out of his mouth, I fired back with "X down the street has clothes that are too small. You told me yourself it seems like he doesn't ever have anything new. You could be him. I don't have to spend a dime on you, new school clothes are not a necessity. I would love new work clothes! And that is how we get money! So shouldn't I look my best every day since I'm bringing in the money? Yes, of course. But I'm spending all my extra money this month on you. If you don't want any new clothes, I'll buy the sneakers you want. If you do want new clothes, then we're getting the Nike's or Jordon's at Saturday's Flea Market from the Asian Guy who sells them 2 for $60."
I'm not about to pay the car payment late because I spent that money at Footlocker on sneakers. And I will definitely pull all the stops out, modify the above speech however you like. Sorry if it's offensive to the kid down the street with little money.

This year I had $200 - that was our budget. We got one pair of jeans and six shirts and Ross for $70 (all Mark Ecko and the jeans were Flypaper - all name brand crap).
I spent $30 on white Nike Air Force One's at the flea market.
I spent $25 between the dollar store and wall mart on binders, papers, pencils, and underwear that he needed. He wanted new socks but he has plenty of socks - they are just old - but so what, no one sees them anyway.
Football gear was provided by a $50 Dick's card he got for his birthday that I required him to save until football shopping time. I ended up spending $10 extra because we went over $50.
I bought lunch that day also which cost me $14.
We then went to the mall and I spent $60 at Pac Sun on three pairs of jeans - two for $25 each (back to school special - buy 2 or more and they're $25 each) and a $10 clearance pair that he happened to like.
Then we ordered $30 worth of t-shirts online that he wanted.
That's more than enough to get him started and I told him we might get some more stuff in a few weeks. NOTICE - the term "might". I went over budget for the day by $39, because of lunch and the other small items. I will be buying a little less at the grocery store or more generic items probably due to going over. But as we all know, we almost always go over - so try to keep your overages to the bare minimum!!! And make them small so that you can undercut other areas to make up for it.
School shopping doesn't have to be a bank breaker! Don't make it be an argument or a stress ball. Overall the best part for me was that I actually spent a day with my 14 year old!
Who would've thought?

Tips from the Internet - WITH my commentary in blue:

Ten tips for smart back-to-school shopping
The best strategy for back-to-school shopping? Get organized, stock up on the basics, and look for sales and promotions.
By GreatSchools Staff
Start your back-to-school shopping with a game plan. Even if your child's teacher hasn't provided a list of school supplies, you can't go wrong by sticking with the basics and taking advantage of back-to-school sales (many states offer “tax-free days” during this season).
I don’t know about you, but I have no idea what the “tax free days” are or how to find out when they are.


Here's how:

Make a list and get your child involved.
Use the recommended or required supplies from your child's school or teacher as a starting point. If you don't have a list yet, check with parents at your school who have older kids. They might have good advice about what is required in your child's grade. Or check our recommendations for elementary, middle, and high school. Sit down with your child and go over your list together. You'll be teaching her how to get organized, a skill that applies to more than shopping.
Good tip, I mentioned this, I didn’t check with parents at the school. Who has time to do all that? I also didn’t sit down for hours with my child – again, who has the time? I asked him in a 2 minute conversation what he thought he needed, then I looked through what we already had.

Best back-to-school gifts
Your grandparents might have brought an apple to the teacher on the first day of school. Jane Ann Robertson, Arizona's 2004 Teacher of the Year, has a more timely suggestion: "If you really want to make a good impression, add a packet of stickers or a ream of colored copy paper for your child's new teacher."
Nikki Salvatico, Pennsylvania's 2005 Teacher of the Year, adds that the key to helping your child succeed in school is not something you can buy at your local office supply store. It's time — time spent reading stories, rhymes, poems, and plays with your kids. And it's being a role model for the behavior you want to see in your child.
"Parents spending time with their children — modeling reading, writing daily — is priceless," Salvatico says. "When children see a parent reading the newspaper, a magazine, or a good book or writing a letter, a paper, or a report for work, they can connect why they are learning [those skills] in school."
I don’t know about you, but I never do “back to school gifts”. My kid can make a good impression my behaving and doing his work. Chances are, if you’re reading this you don’t have the money for stickers or reams of colored paper. But if you do, it sounds like a nice idea.

Separate wants from needs.
Most school supplies don't go out of style, and your child will happily use the unsharpened pencils his older sister didn't use. But as any parent with last year's superhero notebook knows, beware the power of trends. Rather than getting into an argument with your older child about whether a backpack with headphones is essential because "everybody is getting one," try setting a budget for supplies. It will help your child set priorities, learn how to manage money, and start saving his allowance for the items your budget won't allow.
A note from the teacher: You'll be doing your child's teacher a favor if you stick to supplies without gimmicks. Pencil sharpeners that light up are distractions in class, says Jane Ann Robertson, Arizona's 2004 Teacher of the Year and a GreatSchools consultant. "Keep supplies to the necessary and useful versus fancy and fun."

Good tips, definitely gone over before, and also ties in with below about using what you already have – clothing and supplies should be used if they’re in good shape!

Take inventory.
Sort through last year's supplies to see what is left over or can be reused. (Having trouble finding last year's stuff? Resolve to set up a place to keep your school supplies together this year.)
Start early and look for bargains throughout the summer.
The best bargains are often available at back-to-school sales. Keeping your supply list in your car or purse or on your PDA will help you shop for supplies as you do your other errands.
Good idea, but most of us are busy and always scraping money together at the last minute, so seems like few will be able to do this.

Buy basics in bulk.
You know you'll need paper, pencils, glue sticks and notebooks. Dollar stores, warehouse stores and even eBay are sources for buying these and other basics in bulk. You and a group of other parents might be able to negotiate a group discount from an office supply store.
Then set up a supply shelf or storage container in your home that you can use all year long. You'll be able to avoid late-night shopping trips to buy notebook paper when you run out. And you'll know where to find unused notebooks and pencils when it comes time to shop for back-to-school supplies next year.
If you set up this storage area near the place your child will do homework, you'll be modeling good organizational skills and he'll have what he needs nearby.
Nikki Salvatico, Pennsylvania's 2005 Teacher of the Year and a GreatSchools consultant, advises parents to send to school only what is needed. If you buy four dozen pencils, send in three at a time. This will help your child manage her supplies and help the teacher who has scant storage space in the classroom.
Great if you can do this, I can’t afford to buy things in bulk and then don’t have much time to organize everything so that it doesn’t get lost or chewed up by the time my kid gets to using it.

Get your kids into the recycling habit.
Now that environmentally friendly living is a hot topic, it's easier than it used to be to convince trend-savvy kids that reusing an item is cooler than buying a new one. Help them add pizzazz to last year's plain notebook with stickers or photos. Set up a scrap paper bin so that paper with writing on just one side can be reused. Check out garage sales, which can be a source of good-quality used items.
The best tip from this paragraph is to check out garage sales. There are lots this time of year, so it might also be possible and convenient.

Watch for promotions.
Some discount office supply stores offer free shipping on online orders. Local health departments in some areas offer free basic school supplies to parents who bring their children in for immunizations. Hang on to flyers and ads that advertise supplies at a particular price. If the store where you're shopping charges more, ask the sales clerks to match its competitor. Some stores that don't offer price matching will still do it.
Sales! Sales! We all know this. If you can get stores to price match, even bigger bonus!

Figure out when quality counts.
Leaky pens will cost you more in ruined clothes than some more expensive varieties. In the event that a strap or zipper breaks, a backpack with a warranty might be a good investment, even if it costs more.
"When buying crayons, colored pencils, markers and water color paints, I would definitely stick to a name brand," says Robertson. "Name brands seem to last longer."
Not every costly item will last as long as you'd like. Take calculators, for example. Math teachers advise that you not purchase one with more functions than your child will use so that she learns and uses those functions. But as she advances in math, your middle school or high school student will likely need to replace her scientific calculator with a graphing one, and these are costly.
Some schools have graphing calculators that students can check out, like library books. And some parent organizations raise funds to help defray the cost of calculators for needy students. Check with your parent group to find out more about similar programs at your school.
More checking around, good if you have the time.

Help your school while you shop.
If your school participates in a program like eScrip or OneCause, you can shop for supplies from a participating merchant who donates a percentage to your school.
Good idea, but I have yet to learn who supports the school or have gotten anything in the mail saying shop at this store – and a lot of times places on tv that are advertised are more expensive than where I would normally go.

Plan now for next year.
Some schools send a back-to-school list home with kids on the last day of school so that parents can shop for the best bargains. If your school doesn't do this, get together with other parents or your parent organization and talk to administrators about how you can help your school put together a list earlier next year.
At some schools, parent organizations negotiate with a supplier and buy supplies for the whole school at a discount. They often add a small extra charge that goes to support the parent group.
Susan Furr, a parent at the University Laboratory School in Baton Rouge, Lousiana, says her school parent group has purchased supplies this way for a number of years and virtually all of the families participate.
This is very hard to do in the real world, where most of us are taking summer vacations and aren’t going to shop early in the summer for back to school stuff. If you can do it, great. If not – don’t cry about it, there are still ways to save!!!

AND IN OTHER Middle Class Tax Developments....

FROM CNN’s Jack Cafferty:
The Obama administration is not ruling out tax increases on the middle class. And this could be a very big deal.
During the campaign — candidate Obama repeatedly promised the middle class wouldn’t see their taxes increase “one single dime.” In fact, he said he would cut taxes for “95-percent of all working families, because, in an economy like this, the last thing we should do is raise taxes on the middle class.”
Fast forward a year… After bank bailouts, auto bailouts and the economic stimulus package — the president is trying to figure out a way to pay for all this plus health care reform while also reducing deficits. There aren’t many choices: either raise taxes or cut spending. White House Press Secretary Robert Gibbs today insisted the president wouldn’t break his campaign promise.
But Treasury Secretary Tim Geithner and National Economic Council Director Larry Summers both sidestepped questions over the weekend about raising taxes on the middle class. Geithner said they’re not ready to rule out a tax increase to lower the deficit, while Summers pointed out that health care overhaul needs money from somewhere, saying “it is never a good idea to absolutely rule things out, no matter what.”
But the problem is, the president is the one who ruled it out. We all remember how former president George H. W. Bush’s famously promised: “Read my lips… no new taxes.” A couple years later, he raised taxes and that was the end of his presidency. He lost his bid for re-election to Bill Clinton after one term.
Here’s my question to you: Would breaking his word on tax hikes for the middle class make Barack Obama a one-term president?
Interested to know which ones made it on air?
B. writes:He didn’t just say this once the way George Bush Sr. said “Read my lips: no new taxes”… Obama literally got elected by preaching this every single time he had a microphone in front of him for two years. This will be the unfortunate reward for all those who voted for Obama believing the fairytale that the rich would be forced to pay for everything, which the rest of America would get for free.
Mike writes:The White House has clarified today that it won’t happen. Rightly so — as it’s political suicide. It’s a non-story. So stop wasting the public’s time by hypothesizing about something that isn’t going to happen just so you can join the media “pile on” that is happening to this administration in an attempt to curry favor with “the average Joe.”
David writes:Read my lips: Yes. Everybody loves to get stuff for free. Raising taxes is only popular when others are paying. People whose taxes will eventually go up will turn on Mr. Obama. And, we will have to raise taxes on everybody.
Bill writes:In my opinion, the American people have seen just about enough of his radical side show to sink any possibility of a second term. Raising taxes will simply sink a ship that has already taken on too much water!
Mark writes:Jack, The party of tax cuts got us into this mess. All of a sudden, they have discovered fiscal responsibility — too late for many voters. The fiscal cost of preventing a depression is very high. When the recovery comes, it only makes sense that we all will have to pay for it. Biologists have yet to perfect the tree that grows money. If the voters won’t respect that, then they will get back the dumbed-down government that we recently kicked out.
Dave writes:Unless Obama moves very quickly to the middle, he’ll be a lame duck. Obama has let the left wing in Congress run wild. It’s still likely that come 2013 we will have a Democratic president; you may be able to guess what HER name is.

From High Brow Think Tanks - THAT WE ALREADY KNEW!

An article MSN Money points out something obvious to most of us..... and it took our tax dollars to fund a democratic think tank to figure this out?

The middle class today is less prepared for an economic emergency, such as losing a job or visiting an emergency room, than at any time since the late 1970s, concludes a new study from a political think tank in Washington, D.C., that's funded by Democrats.
"Middle Class in Turmoil," produced by the Center for American Progress and the Service Employees International Union, mines data from the Federal Reserve, the U.S. Bureau of Labor Statistics, census records and other sources to paint a picture of increasing peril for those in the middle 60% of income distribution, about $18,000 to $88,000.
Despite a growing economy, a rising stock market and stronger corporate earnings that are helping the rich get richer, the middle class in America is caught in an unprecedented squeeze that makes it increasingly unstable, the study's authors say. The financial declines each year since 2001 have been dramatic, they report:
Income for middle-class families has remained stagnant or flat since 2001.
Prices for big-ticket items -- housing, health care, college education and transportation -- have skyrocketed, leaving families unable to save.
Middle-class families are borrowing record amounts of money to pay their monthly bills.
"Families are being forced to live beyond their means, just to pay for the basics, such as housing and health care," said Christian Weller, a senior economist for the Center for American Progress, which is headed by John Podesta, a former Clinton-administration chief of staff. "They are not only spending their current income but all their future income."

The article goes on the blame not enough government programs to help the middle class, etc etc.....Hey I know what might help us! How about not taking 49% of my paycheck for taxes? How about leaving me with a little more money that I have worked hard to earn?And how about getting people out of the tax-funded government systems that don't belong there........What better way to give us money in our pocket to save or invest back into the economy than to "allow" us to keep more of our self-earned paychecks and profits? Ohhhhh.... but it's not that easy. According to who?Remember this: We fund the economy - we keep the businesses alive, we fund the programs that help the people who aren't in the businesses that we keep alive. And who funds our livelihoods? US. And who is struggling the most and falling farther and farther into "economic peril"? US. And who is having more and more of the earned dollars taken away? US.Stick that in your straw and suck it for a while, Think-Tank.

Glorious Go-Go Meal of the Week:

Chipotle's Fajita Burrito

Sometimes we all have to buy fast food. And sometimes, we like it! I know I'm guilty of indulging. Fast food is unfortunately (or fortunately depending how addicted you are) a staple of middle class life.
This week's spotlight falls on the sweet, neat, and meal complete Fajita Burrito from Chipotle (Gourmet Food, Fast!). The Fajita Burrito (FB) is just one of the crown jewels that graces Chipotle's menu. Hopefully you can take advantage of this advice if there is a Chipotle near you.
I'm highlighting the FB not only because of taste, but because of it's compact package that allows you to enjoy the deliciousness on the go or sitting in a Chipotle among the other cool birds that know about the place.
First, the FB can be customized to the flavors that the diner enjoys. The Chipotle Wizard starts with a large sized flour tortilla and adds a scoop of rice. The rice is always soft and flavory, never sticky. Then they'll add sauteed onions and peppers (the regular burrito comes with a choice of two different kinds of beans - but we're sticking to the fajita here, People!). Then you can pick steak bites, shredded chicken, chipotle chicken pieces, or beef strips. I usually go with the chipotle chicken pieces. You then pick your toppings from 4 different salsas, cheeses, lettuce, sour cream, etc.
I usually pick cheese and the corn salsa. If you are a Chipotle virgin, pop your taste buds with the corn salsa. It makes every meal item on the menu completely delish!

When you are done making your selections, your burrito is wrapped up like a perfect newborn baby and wrapped in tin foil to preserve it's shaped perfection.
You pay... and you enjoy! Bite into it carefully, it is superbly stuffed and pieces may litter your tin foil safety net. Not many eaters can finish a whole burrito from Chipotle, but don't hesitate to try. You will feel stuffed for hours, but it's well worth the stomach bubbles because they will jog your memory back to the amazing taste explosion that you experienced.
To Chipotle - You've created a fast food sensation with all of your menu items, but the Fajita Burrito is perfection like none other. And for around $6, you just can't go wrong! Hence the cult following at our beloved Chipotle.......
Do yourself a favor, Oh Average Person out there........... scrape together a few dollars and quarters and go get yourself a Fajita Burrito! For most people it can be used as lunch and dinner, so that's a $3 meal!!