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Saving Money

General Household Expenses

1. Sears KidVantage program. Sears will replace a worn-out children's apparel item as long as the child wears the same size. Sears will, at its option, either repair or replace it with the identical item in the same size, or if it's unavailable, a similar item of equal value in the same size. The frequent purchase program credits parents for every purchase made. When $50 is accumulated, the shopper is awarded 10% off the next purchase. If $100 is accumulated, the discount is 15%.
2. Buy snacks in bulk and then repackage them in plastic bags.
3. For younger children, shop at discount stores, thrift shops and resale or consignment stores. Then sell the outgrown clothes at the resale shop and use that money to buy the next size up.
4. For teens and preteens, labels are important. Buy the basics at discount stores. Then teach your children to shop around and buy on sale. If they insist on $80 jeans, offer to pay a portion and let them use their allowance for the rest.
5. Buy clothes a season ahead. Most stores mark down prices to make room for the next season, and many resale stores put seasonal clothes on the half-price or dollar racks.
6. To offset the cost of college tuition, when your children are in high school, check whether a nearby college will let them take classes to get ahead.
7. Have your children attend a community college, where they can earn core credits, gain independence and dabble in subjects. They can transfer to a university for the final two years.
8. Look for free entertainment and events. Parks and libraries are filled with free activities.
9. Share used beds with family and friends because children quickly outgrow them.
10. Your public library can hold hours of enjoyment for the whole family, not only as an information resource but also for entertainment. At many libraries, you can check out not only books but videos and CD’s, too.
11. Trading off with neighbors for services such as lawn or child-care may be an option to explore.
12. Consider a season pass. Amusement parks, zoos, water parks, and recreational facilities all offer season passes. When you compare the price of one day's admission for each person, you will discover that most family passes pay for themselves in one to two visits. And, when you are feeling hungry, you can leave and avoid the concession stand mark ups, all the while knowing you can come back anytime. Consider this option only if you are certain it is feasible to visit several times each year to get more than your money's worth.

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The information presented is not to be a substitute for seeking advice specific to your situation from a tax, legal or financial professional. If tax, legal or financial advice is required, contact a tax specialist, attorney or financial advisor.

“Put More Money In Your Pocket” was edited by Constance Foley, M.A.Ed. Contributors include, Donna Shackel, ATP®, CRTP, Jackie Neubert, CDFA™ and Constance Foley, M.A.Ed.