Category: General News

In our discussion today about the modus operandi to use when seeking out a good, local commercial building company, we’ll hone in on Phoenix as our case study, simply because this part of the world represents the quintessential local market that serves as an exemplary localised business ecosystem. Sometimes, it can be tricky to find services for your business such as a reliable commercial metal roofing contractor or a maintenance manager that can work within your business ecosystem. Hopefully through this post you may learn some tips and tricks to help you along your journey!

In the city of Phoenix, you should look for an Arizona firm that can work with you. A good commercial building company will have a solid relationship with local authorities and suppliers and have a good reputation with the industry. For instance, if you notice, they might have access to all the necessary equipment (such as the ones available at Platforms and Ladders) that are required for building construction. Good residential building companies are also important to the market. When looking for a commercial building contractor, look for one that can work through the problems you face and assist you in providing the solution.

The business landscape in Phoenix is changing very rapidly. The increasing number of business enterprises and the increasing need to get commercial real estate are some of the major factors that drive the need for commercial buildings. To attract businesses to the state, government initiatives must work closely with commercial building contractors in the market.

We often talk about the missing link in real estate development – the commercial real estate developers. It has been said that the residential sector is the most lucrative but the commercial sector is far more lucrative. Why is that? This is because, unlike the residential sector, in the commercial sector a company needs to make a real profit. For instance, if you have built a structure that has been paid for by a mortgage company, the company you worked with will be making a profit as a mortgage lender. A commercial landlord does not have to pay for a mortgage in the long term. Commercial buildings are constantly in demand for a simple reason. The demand for commercial buildings keeps increasing as a result of the increase in population and corporate locations.

Commercial properties are built to a certain standard by the owner or developer. This is because commercial property is built to last and it is good to have it in your portfolio. Commercial buildings are built to be strong, from their roof to their doors. For example, commercial fiberglass doors are a popular option when it comes to these buildings as they are strong, cleanable and non-rotting. Finding a company that is committed to using these materials is crucial.

As a property owner or investor, you must have an expert understanding of the local market in order to determine the correct course of action. As a commercial building owner, it is always good to have a professional team of building contractors. Obviously, your discretion will have to be exercised and tailored to any information-hunting terrace you’d be venturing into, such as closely examining a mobile casino list to see if any commercial contractors are repeatedly featured to perhaps complete the construction of physical casinos.

You can save money and get professional help with commercial building issues if you hire a team of experts in your area. Hiring an expert will save you from the problems that you could face, and the issues that you face will cost you less.

A commercial building contractor will come up with the best solution to any problems or shortcomings that you have, but your continued involvement in the oversight of key decision will naturally be required.

You can teach your kids financial literacy even if you are not an expert. Basic foundational education in how money works will last a lifetime. Take the time to explain to them why it is important to save, invest and manage money. Explain in terms that are easy to understand and relevant to their perspective. Reinforce what you teach them by being open with your financial journey.

Taking an approach like this will not only teach them financial responsibility, there is also a good chance that it will inspire them later in life. They will always remember how mom and dad took the time to show them how money works. Kids are looking for leadership and when they grow up, they fall back on what they learned as children. If they learned how to value monetary responsibility at an early age, they will grow up financially literate and well informed.

In this article, you will be introduced to strategies that will give you the confidence you need to teach financial literacy to children. You will also find ways to make it fun to learn about money and fiscal responsibility. You may even learn some things you did not already know. Keep reading for more.

What is financial literacy?

Financial literacy is how well we understand money. It is more than that though. It is also how well we know how to use money as a tool. When we are financially literate, we are equipped with the knowledge we need to invest, save, and spend wisely. That way we can use money successfully to build an enjoyable life.

Many people do not have the advantage of growing up with an education in basic money knowledge. There are scores of people who could have done well in life, but they struggle because they do not know a few basic principles. We want to make sure our kids do not have to grow up that way. Which is why these basic elements of money are so important.

Money may not be the main component of success, but it is important. Just as important as learning about money and how it works is learning why we need to be financially literate. Kids may not be able to grasp the idea of retirement, but they can be taught the value of growing older with financial security. As adults, they will have to rely on themselves to make sure they have a comfortable retirement and a relatively stress-free life. Let’s look at how they can establish a nice foundation for financial literacy.

The basics

These three basic things kids need to understand. They need to understand the difference between needs and wants. They need to know how to spend wisely and they need to know how to set savings goals. They also need to recognize the benefit of knowing these elements of basic money management, but we will establish that throughout the learning process. Try to keep that as a common thread.

Teaching kids the difference between what they want and what they need will be a great lesson overall. It is important for responsible spending. You might need to adjust how you behave in your spending. Do you observe responsible spending habits when you see something you need? One of the best ways to teach is to model the behavior you want kids to learn.

Show them how you are setting a goal to save up for a special trip or some big purchase. Show them how you look over your budget and make the appropriate calculations. Just the act of doing it and bringing them along for the ride is a great way to instill a sense of value for responsible saving. Set up milestones and show them when you reach them.

Finally, share in the joy of reaching the final goal. Show them how you were able to reach your savings goal and maintain your budget. You can also do this for them and with them in a smaller version. Maybe they want to save up for a game or a toy. Follow a simplified version of your action. Repetition of activities like this will encourage them to grow and see financial literacy as fun.

Start early

There is a great deal of research that suggests starting early is a good idea. The fact is kids recognize money at a young age. They see you engage in various transactions. They see it take place in the media. They begin to understand that there is an exchange going on. They learn that exchange can give them what they want. These are important lessons and how we teach them can make a difference.

This usually takes place when they are toddlers. Of course, you are not going to teach your toddler how to save up for a PlayStation 4, but you can still teach them the value of money. You can instruct them about the difference between a dollar bill and a quarter. That simple piece of information is a building block in long term financial literacy.

As they grow older they will be able to grasp more complicated topics. You will be able to teach them how to save and how to set goals. You will be able to show them how to have patience and delay gratification so they can reach their savings goals. This will take time, but it will be fun. There is great joy in seeing them make the connections. Better still, you will be establishing a lifetime habit that will give them a chance at a financially stable, happy life.

In conclusion

Even if you are not an expert, you already have the life skills and experience to teach financial literacy to your children. Just the act of paying attention to your finances and demonstrating responsible money handling will teach them a lot. If you couple that with actual examples and learning experiences for them then you will ensure they have a lifelong appreciation for financial responsibility.

Sources:

https://www.thesimpledollar.com/financial-wellness/how-to-teach-kids-about-money-from-toddlers-to-teens/

https://www.curadebt.com/debt-management-program/ https://www.creativewealthintl.org/whyfinancialliteracy.php

During a house move or office relocation, it is very common to have to transport large and bulky items. Some items like a grand piano and a heavy safe are not really designed to be moved by one or two persons. Heavy furniture like a king-sized mattress or a teak wood cabinet can be physically challenging to move around when you are just rearranging a room or living room; and it’s going to get a lot worse if you need to carry it out of the house or apartment and into another.

Of course, you are welcome to hire a company like Happly Australia to give you a helping hand with all of this, but you may be giving them assistance where you can, or they may be another time where you’ll need to do it yourself. Therefore, we have outlined some rough steps on how you can make moving heavy objects easier with the hope of preventing injuries to yourself and damage to your belongings.

1. Use the correct lifting techniques

• Ensure that you can see your steps when moving. Get someone to help guide you when you are carrying large items that block your view.
• Do not bend forward when you lift the item. Rather, stand with your feet shoulder width apart, face the item so you do not have to twist your body and squat to meet the load while keeping a straight back.
• Use both hands to make sure you get a good grip, slowly lift the item through your leg muscles and knees while keeping your back straight.
• Keep the item close to your body so you won’t be straining yourself with the item at arm’s reach.
• Never lift a heavy item higher than shoulder level
• When putting down the item, your back should still be straight, so bend your knees as if you’re about to sit on a chair.
• Don’t twist your body, even when moving around corners. It is easy to sprain your waist, legs or shoulders when you twist your body while moving heavy stuff.

2. Dismantle items where possible

Remove any part of your heavy furniture that is removable, especially parts that protrude from the furniture, such as the legs and arm rests. Package these items separately so that the furniture is easier to manoeuvre through stairs, turnings, doors and rooms. Ensure that you label them so you can remember what item of furniture needs which pieces! Also identify movable parts such as drawers and doors – these parts should be taped with masking tape very securely to prevent the items from moving or dropping out during the moving process. It might be a good idea to look for faulty or damaged furniture and remove it or give it to the company for repair. In the case where the office furniture is damaged beyond repair, you can choose to buy new ones on https://www.officemonster.co.uk/ or on websites of other such office supply companies that distribute furniture and other essentials for office spaces.

3. Wear appropriate clothing

Wear comfortable clothes that are not too tight or loose to enable you to move around freely and without the risk of getting snagged during the move. Wear shoes with sufficient grip so you minimise any chances of slipping.

4. Seek professional help

When you book your movers, be sure to let them know what item you have so they know what equipment to bring along on the moving day. Similarly for transporting goods overseas or long distances, check the pallet terms and conditions. Moving big and bulky items does not have to cause you a big headache or body aches all over. Chillax and leave the heavy-duty task to professionals that handle office relocation brisbane or where you are located.

5. Slide items of furniture if necessary

Furniture sliders can make your life so much easier when moving heavy furniture. If you’re unable to find sliders, it’s easy to improvise with household items such as rugs, towels, plastic container lids or Frisbees. Make sure to only use soft sliders on hard surfaces and hard plastic sliders on soft surfaces.

If you are moving overseas, say for example, from Atlanta to Montreal or Toronto, consider hiring a trucking company like CSA Transportation (https://www.csatransportation.com/contact/trucking-atlanta-ga) that can ensure your shipment’s transport in a safe and timely manner. For local transportation, most professional moving companies such as those on Shiply’s network are equipped with the necessary equipment such as sliders, blankets, dollies and trollies for transporting larger items, which they will bring on the day of the move.

Understand the requirements in your state. Teaching requirements vary greatly. Some states require you to have a degree in the subject that you want to teach. Some states also require additional education and student teaching. Also, you should determine if you want to teach in a public school or a private school. Private schools generally have fewer requirements to teach than public schools. However, pay at private schools is lower than at public schools. The number of students in an average class will be lower than at a private school.

Passing the Praxis exam is required to become a teacher in about half of the states in the US. There are usually two separate Praxis tests. Praxis I is the Pre-Professional Skills Test that has three exams reading, writing, and mathematics. Praxis II covers a variety of different subjects. Only 46 percent of teacher candidates pass the Praxis tests on the first attempt. The pass rate for teachers is actually lower than for doctors, lawyers, and nuclear engineers. With this in mind, you should take a Praxis Core practice test before taking the real one. Understanding your strengths and weaknesses on Praxis Core practice tests will help you determine a study plan.

Being professional as a teacher is important. You should speak appropriately and avoid using slang except for rare circumstances. You should be professional in clothes, manners, and the way you carry yourself. While teaching, you should speak loudly and clearly enough so that your students can always hear you. You should not be late for your assigned classes or any teacher meetings. Understand the policies of your department. Read the newest research manuals in your field. Never share extremely personal information with your students. You should maintain a proper teacher-student relationship with them. It is also necessary to constantly inculcate all these values in your teaching from time to time. Only then would you be able to become a successful teacher. An effective teacher will know how to prepare the next generation of students to become successful. The information in sites like https://dominicancaonline.com/innovative-classroom-strategies/teaching-for-success-in-the-real-world/ could give you more insight on what all is necessary to become an efficient as well as a professional educator.

You should create firm rules on your first day of class and not deviate from those rules. You need to document all discipline issues thoroughly so that you can reference details when dealing with administration and parents. Understand what is reasonable discipline when dealing with students. Let parents know if there is a discipline issue with a student. Do not yell or reprimand your students too often. Give your students some freedom and remember that you are a teacher and not a prison guard. Try to not approach students as an adversary. Acting adversarial can lead to some very unpleasant confrontations. Try to not only discipline bad behavior but also reward students who do not cause problems in your class.

Another useful tip for aspiring teachers is to make sure that you are prepared for your teaching assignments. Whether teaching Shakespeare or advanced mathematics, you should devise lesson plans before you start teaching a class. Make sure that your daily lesson plans are well prepared. In the case that your class completes your lesson quickly, you should plan extra activities for your class. Learn how to use the equipment in the class such as data projector, media player, and television before you need to use the items with your class. Be ready to explain any grades that you gave to your students. Also, know what the disaster plan is so that you will be able to lead your class in case of an emergency or drill. Being able to relate your lessons to your students’ lives will make you a more successful teacher.

Overall, you can have a successful career as a teacher if you prepare yourself for success. Following the useful tips of this lesson will make your career as a teacher easier.

We strive to attain knowledge in various ways. One of the major ways we learn is by going to school. Schools are designed in such a way that each student has a seat and is tutored by a teacher who is qualified to teach the subject. However, there are a lot of factors that determine how much the teacher will be able to achieve and how much the student will be able to learn. Some of the factors that affect teaching results in a learning environment are discussed subsequently.

Conducive environment
A major factor that determines how much a student would be able to learn is how conducive the learning environment is. Many factors contribute to how conducive the environment is. One such factor is how protected the student is from harsh weather conditions. Is the class properly covered and with other facilities that can help to regulate the temperature such as heating systems during cold periods and air conditioning system during hot periods. How comfortable is the student in terms of the quantity and type of chairs available? Can the student hear the teacher properly and see whatever teaching aids being used clearly? All of these will determine how much the student will be able to learn.

Learning resources
Another factor that would affect teaching results in a learning environment is the learning resources for teachers. There are some learning resources that the teacher would need to teach the pupils. Some of the learning resources are for the use of the teacher while others are for the use of the students. Examples of learning resources include whiteboard, markers, projectors, computers, textbooks, exercise books, and other teaching aids. When these learning resources are available, it would be easier for the teacher to pass across information to the students and also show them what he or she is trying to explain. However, when they are not available, it becomes more difficult. Imagine a school without a computer teaching students how to program.

Knowledge, skill and passion of the teacher
The knowledge skill and passion of the teacher are also important. It is worthy of note that knowledge is not just enough to teach. Some people are brilliant and do well in class but cannot transfer knowledge. Others are very skilled in using illustrations, stories and other means to break down any topic no matter how difficult for students to understand, including those that are perceived to be dull. For example, many students struggle to engage with teachers that put on boring and mediocre presentations for their students. However, take a Geography lesson, if the teacher puts in the effort and perhaps uses an online map maker to teach their students about the world, this shows their own interest for the subject that is then subsequently transferred onto students.

The interest level of the student
The interest level of the student is also important to get the right teaching results. When a student has an interest in a subject, he tends to learn such subjects than when there is no interest. There are many ways to encourage interest among students for learning. Some schools feature extracurricular activities, quizzes, and rewards for those who are doing well to build interest to learn in students. Home works are also a way to build interest and ensure the student also makes an effort to learn more while at home, even though a lot of students hate home works.

One of the main ways people are trying to help out the planet is through increasing their use of reusable bags and reducing the amount of plastic bags they go through with their weekly shopping. One of the ways that plastic bags do tend to beat most reusable options is in hygiene. The multiple uses of a product that sees a variety of different items pass through it inevitably leads to a lot of bacteria build-up. Keep reading to find out how you can keep your reusable cotton bag clean and why it is essential in safeguarding your health as we head into the prime cold season.

Bacteria hide in the fabric of many cotton bags

A recent study found that bacteria with the capacity to cause food-borne illnesses were found in a large number of cotton bags tested in the sample. Whilst the cleanliness of our reusable bags is not something we consider on a daily basis, the existence of bacteria in the material makes sense when you consider the process. We put a large amount of animal and wider food products in the cotton bag which is then sometimes left in hot environments like cars before being stuffed away again until future use.

How to make sure your cotton bag is safe and clean

As shown there are a number of dangers when it comes to the daily use of your reusable cotton bags. Put simply, a regular clean is vital if you are to keep you and your family healthy. We recommend using a good anti-bacterial wipe for regular maintenance. Try to use it whenever you have used your cotton bag to carry food produce.

On top of the regular cleaning, you should stick to a deep clean of your cotton bags every once in a while. Find a good washing detergent and mix it with a small amount of water. After this apply the mixture to the interior and exterior of the bag. This method can also be used if there are any persistent stains on the cotton bag that you want to get rid of.

Cotton bags are still a great reusable eco-friendly product

Whilst cotton bags do need some care and maintenance to ensure they are a safe product they are still great for the environment when reused enough times. If you are a business looking to promote your brand with these products make sure you go through an expert custom cotton bag supplier to make sure you give your customers a product they can use on a regular basis.

Another year has flown by, and the holidays are upon us again. Time to pull all your old decorations out of storage and start hanging up lights and garlands. It’s also time to start stocking up on candy canes, sugar cookies, hot cider, and eggnog. For many people, though, it’s the Christmas tree that’s their favorite holiday tradition, and with good reason. It provides the perfect centerpiece to your cozy holiday home, it gives off a welcoming pine smell, and it’s a tradition the whole family can participate in, regardless of their ages, as you decorate together.

Choosing the Right Tree

What we call “Christmas trees” are usually one of several species of tree and are selected based on price and personal preference. Douglas fir is one of the most common, making up half of the Christmas trees sold in the United States. This tree is popular for its size, as well as its thick and full needles and its fresh scent.

Other extremely popular tree varieties include the noble fir, which is a popular variety due in particular to its sturdy branches and small needles, which make it perfect for hanging ornaments. Other popular species of tree include the red cedar, the Norway spruce, and the Virginia pine, among others.

There are several ways you can acquire the tree that you want: visit a tree lot, harvest your own in the wild, or even grow your own Christmas trees throughout the year.

Harvesting Your Own Tree

One option that you might consider is harvesting your own Christmas tree from the forest. Of course, if you decide to do this, make sure you check the regulations in your area to ensure that you can do this legally.

Finding the right tree is a matter of knowing where to look. You won’t want to head into an area that’s too densely forested, because if your potential tree hasn’t received the proper amount of sunlight, it won’t form that coveted symmetrical conical shape. Instead, search for a tree in an open space, one that receives plenty of sunlight and allows individual trees to thrive.

You’ll want to choose a tree that has plenty of space between the branches. After all, you’ll be hanging ornaments there! Find a tree that fits the space you have available. The average size of a Christmas tree is usually around seven to nine feet in height. Make sure the tree you select has fresh needles; if they are brown or falling off, the tree you choose won’t last long.

Growing a Tree

Of course, if you’re so inclined, you can also grow your own Christmas tree. To do so, you’ll need to select a sapling well in advance, sometimes even years before you intend to use it in your home. It takes about eight years for most pine species to grow into the perfect size for a Christmas tree. Of course, provided you have the space, you can grow as many trees as you would like. You can also have them planted at various stages of growth, so you don’t necessarily need to start with saplings. If you’re interested in growing your own Christmas trees on your property, you’ll need to contact a tree service, such as Mr. Tree, to plant them for you and ensure they’re growing in a healthy manner.

Cutting Your Tree

Whether you’ve decided to harvest your tree in the wild or grow it yourself, you’ll need to know how to cut a Christmas tree properly in order to maximize its life span and ensure that you can enjoy more Christmas trees for years to come. However, cutting a tree isn’t an easy task and could have an impact on the lawn around it. In such cases, some people find that getting in touch with a local service similar to Trugreen helps with their lawn maintenance, so they won’t have to worry about it# during the Holiday season.

First, you’ll want to ensure you have the right equipment for the job. Start with a heavy-duty pair of gloves so you can protect your hands from the sap, needles, and sharp branches. It’s also a good idea to bring a tape measure-to make sure your chosen tree is the right size for the space you’re using-and a heavy tarp to wrap the tree up in. If you’re transporting the tree with your vehicle, you’ll need some twine to tie the tree down, as well.

When harvesting a live tree, you’ll need the right saw to do so. There are saws specifically designed for cutting live trees. The one you use should be cleaned and sanitized so as not to risk infecting the tree when you cut. Cut low to the ground, but leave a little of the stump so that the tree can re-sprout. In a few years, you’ll have a whole new Christmas tree. If you don’t feel comfortable doing this yourself, enlist the help of a Tree Service company.

Very carefully, begin sawing through the trunk of the tree. Soon enough, the tree will begin to lean towards the ground. Holding the tree firmly with one hand, finish cutting with the other. You should avoid allowing the tree to drop over on its own, which can create splinters and otherwise damage the tree and shorten its life span. However, you may rather skip this cutting process entirely and purchase a real Christmas tree at online shopping sites such as https://mrbonespumpkinpatch.com/mrgreentrees/trees/ where you might find the perfect pine for your home.

Displaying Your Tree

There’s more to the art of how to cut a Christmas tree than simply harvesting it: you’ll want the tree to last as long as possible. When properly cared for, a healthy tree can last for weeks. You’ll want to start with a fresh cut as soon as you get the tree home. The stump where you initially cut the tree down will have dried already, and a fresh cut allows it to absorb water quickly and effectively. Set the tree up in your stand and try to ensure it’s as straight as possible. If the tree leans over, it’ll struggle to soak up water.

If you need to adjust the height of the tree, trim from the bottom, not the top. Cut more from the trunk as needed, little by little, until you achieve the height you want. Cut away any dead branches and add some water to the stand. Soon, you’ll be able to begin decorating your new Christmas tree!

For years my only real study of the Bible was going to church on Sundays, sitting down in the pew, listening to the half-hour sermon, and calling it a day. Recently, I’ve been wanting to take my connection with the Bible and with God to the next level by studying the Word more carefully. After all, a once a week church service is great, but it can’t replace individual studying and personal understanding.

Luckily, I’ve come to find that there is no shortage of resources when it comes to getting my daily bible studies in. With the apps I’ve found, I’m able to learn and consider the Word of God every day, and I feel that it has only deepened my faith and devotion.

Get live streams of your favorite services

The first thing I started to look for when I decided to dive deeper into my Bible study was good sermons. There are plenty of live streaming church apps that function much like Facebook live for church services. You can often find the streams saved to a video library, so you don’t even have to necessarily watch them live, and you can get a few lessons in even if it’s not a Sunday. If they have not been recorded, then you may want to record them yourself with software from websites like Agora.io so you do not miss out on any of the sermon live streams. Watching live church services has also connected me with new minister sermons, and I’ve now discovered multiple pastors that I truly enjoy listening to, and I really feel like I can understand and connect with them. Watching or listening to sermons throughout the week has been the perfect way to study the Bible as a daily practice.

Use Bible lessons to supplement church going

Some say that live streaming hurts church attendance, but I’ve actually found that the streaming can really act as a healthy supplement to my regular church-going. For example, video resources could be used to support faith formation, religious education, and personal and professional enrichment during Continuing Education for Clergy programs. I also have had some eye-opening experiences while finding other ways to give more depth to my Bible reflection. As I was searching for more support, I came across this useful list:

Ways You Can Listen to Bible Study Live Streams

The apps I found through it have become some of my main staples. In fact, the Bible.is app has been my go-to app every time I get in the car. I love having the chance to listen to the Bible every morning on my way to work. I not only feel like I’m learning so much more, but I also feel so relaxed and refreshed when I go to start my day!

Search for sermons to find the right lessons

Another source that has been a huge help has been apps like the sermon.net app, which allows for sermon searches so you can find the exact lessons you’re looking for. Often times life throws unexpected hurdles our way, so I like to be able to listen to sermons that are related to whatever challenges I’m going through at the moment. If you know how to use Sermon Net or other sermon libraries, you’ll find that God has an answer to any question or struggle that you’re going through, and I find that to be truly uplifting.

Conclusion

There are so many options when it comes to getting your own Bible study, but I really recommend trying out some apps and seeing what you like and what works with your own learning process. Even if it’s just a Daily Bible Verse app or a Gospel Radio, whatever you can do to deepen your connection with God will be well worth it.

With today’s children growing up in a generation where there are more complex financial product
available than ever before, it’s perhaps not surprising that we’re commonly warned that
levels of financial literacy are  slipping. While the young struggle to get a grasp
of even basic financial matters, their parents are being bombarded by economic
factors such as stagnant wages, rising inflation and high levels of household debt that
are causing many to struggle financially.

One of the biggest financial headaches of the year for many parents is the cost of back-to-school
essentials such as school uniform, PE equipment, music equipment, stationery, books and much more.
However, rather than simply pulling out your wallet to pay for those items, this could be
an excellent opportunity to teach your child a financial lesson and reduce the cost of going back to school.

1. Make a list – One of the first steps in making any back-to-school budget is to think about what
your child will need for school and work with them to create an itemised list. Asking them to help
you make that list and sticking to your guns about what you intend to spend will teach them
that sacrifices need to be made. If they do want additional items then they should contribute
themselves.​

2. Needs vs. Wants – This is the perfect opportunity to introduce your child to the difference between
what they need and items they want. Notebooks, pens and a uniform are certainly needs, but brand
name school shoes or stylish backpacks are wants. Again, if they want a more expensive alternative
then their pocket money can be used to bridge the gap.​

3. Comparing prices – Back-to-school shopping is an excellent way to teach your child the value of price
comparisons. You should check the prices at the major office supply stores, supermarkets and online
to show them that research is the only way to make sure you don’t pay over the odds. You can also
use this opportunity to teach them about quality and how this can differ with price.​

4. Let your child handle the money – When it comes to making the purchase, let your child handle the
money at the checkout or explain why you’re paying on card. This will also allow you to teach them
the importance of keeping the receipt and asking about the returns policy before you buy.​

5. The importance of timing – One important lesson for children to learn is the impact of seasonality on
price and how this can lead to significant changes throughout the year. The price of these items will
always be higher in the weeks and days leading up to the start of the school term. However, shopping
around for back-to-school items earlier in the year when the demand is less will help you secure the
best price.

6. Learn about the four pillars – There are plenty of free online resources that help teach financial
literacy and we particularly recommend Wonga’s ‘four pillars’ post to get quickly grab the
fundamentals of debt, saving, budgeting and investing.

These are just a few of the lessons you can teach your children when buying those back-to-school essentials.
Do you have some tips of your own to help reduce the cost of the back-to-school items? Please share yours
with our readers in the comments section below.