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A4: Historically, it was clothing. I have 3 daughthers and 4 granddaughters. We gave them role in the process and discussed their wants versus our financial needs, especially as they got older. #creditchat

A5. It's tough. Everything is going up. We have an only child and it takes on-going conversations between the 3 of us to stay on track. Set a budget and know that it will have to adjust over the school year. #creditchat

A5: Fashion brand versus a budget sensitive alternative was always a fun chat - but a good one. Budgets help to adjust to meet needs, too. Understanding where your money come from and needs to go helps acheive a balance. #creditchat

Our panels are the best! #CreditChat

Q6. How can parents involve their kids in budgeting and shopping to teach financial responsibility? #CreditChat

A6. Parents can involve their kids by giving them a set budget for school supplies and helping them make choices based on price and need. This hands-on approach teaches kids the value of money, comparison shopping, & making trade-offs while giving them some ownership. #CreditChat

A6: Our kids got an amount to spend and we talked about how to make choices. They might buy one expensive pair of jeans, two of a "less-fashionable" brand, or several off a sale rack. Oddly, one would buy the most expensive, one the least and one in the middle! #creditchat

Q8. What are some creative ways to reuse or repurpose last year’s school supplies? #CreditChat

A8 Sharpen last year’s pencils, reuse binders, and peel off labels to repurpose folders. Make it a DIY project with kids—fun + frugal. Every reused item is one less thing to buy. #CreditChat

A8. Some creative things I have heard or read: cleaning up and decorating old notebooks, turning worn jeans into pencil pouches. Repurposing can save money & also teach kids to be resourceful & eco-friendly. environmentamerica.org/florida/center… #CreditChat

Super cute and creative! #CreditChat

Q9. How can families stay financially resilient and avoid debt during back-to-school season? #CreditChat

A9 To avoid debt, set a strict budget, track spending, and leave the debit card, credit card, and digital wallet at home. We've all learned the hard way that “just one more” adds up fast. #CreditChat

A10. A common back-to-school budget lesson learned the hard way is waiting until the last minute, leading to overspending on whatever is left in stock or not having time to wait for shipping on a better-priced option. Starting early/making a list in advance can help. #CreditChat

A10b Back-to-school season doesn’t have to bust your budget. Plan early, involve your kids and focus on needs over wants. Smart habits now = fewer money headaches later. You’ve got this. #CreditChat

A10 Use your clothing budget for clothing, not music and video games. Otherwise, you end up buying the only pair of shoes left on the bargain rack. Be ready to endure teasing from friends and, much worse, pity from their parents. Just saying #CreditChat

A10. Procrastination is a real budget killer when it comes to back-to-school shopping. Start early and space out your purchases to make them more manageable. #CreditChat