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A8: Financial literacy gives you the power to pause. That pause before buying stuff you don’t need? That’s growth. It’s not about never spending—it’s about knowing why you are. #creditchat

A9: We need to teach how to budget, file taxes, avoid scams, and read a pay stub—not just how to pass a test. Money lessons should be a class, not a crisis. #creditchat

A10: Financial literacy is about having options. It’s the freedom to take a break, quit that job, or move across the country. It’s not about being rich—it’s about having choices. #creditchat

Nia Gosh, this is so true. This is why I have a "sleep on it" rule for any unexpected purchase over $20. Most of the time, a day or two later I realize I don't need it or even want it that much anymore. #CreditChat

A1. Step one? Don’t start with vibes—start with numbers. Pull last year’s receipts and ask yourself: “What surprised me?” Inflation makes guessing expensive. Let real data lead. #creditchat #BackToSchoolBudget #MoneyConfidence

A2. No list yet? Build a “core four” list: basics you know you’ll need (backpack, pencils, shoes, snacks). Ballpark from last year + add 10% for inflation wiggle room. Be proactive, not panicked. #creditchat #BudgetWithConfidence #ParentMoneyTips

Always happy to be apart of these conversations

A2 No list yet? Guesstimate based on last year’s supplies, add a “surprise” buffer, and remember that kids’ tastes change faster than my beard turned gray when my kids hit high school #CreditChat

A3. Treat back-to-school like a mini holiday season, planning starts early. I like to break it into 3 months: research, save, shop. That way, August doesn’t sneak up on your wallet. #creditchat #BudgetEarly #MoneyPlanning

A3. The sooner the better. Remember & celebrate the back-to-school savings you had last school year. Challenge your family to do it again. Team up to stretch your budget! #CreditChat

A4. Shoes. It’s always the shoes. And they’re never on sale when you need them. I set up a “kid growth spurt” sinking fund early in the year to prep. That way it feels like a win, not a crisis. #creditchat #SinkingFundsWork #SmartParenting

A5 Families should prioritize their expenses, allocate funds to the most essential needs first, and look for ways to cut costs, such as buying generic brands or using coupons. #CreditChat

A5. Inflation or not, your rent and lights come first. If the budget feels tight, do a 3-tier needs sort: non-negotiables, negotiables, nice-to-haves. Let the guilt go. Prioritize peace. #creditchat #BudgetBoundaries #FinancialWellness

A6. Let your kids pick between two budget-friendly options. It builds confidence and teaches trade-offs. Bonus: they’re less likely to complain about the choice they made. #creditchat #MoneyLessonsForKids #IntentionalParenting

A7. Don’t sleep on your community: Buy Nothing groups, swap events, and discount stores are gold mines. And tax-free weekends? That’s your Super Bowl. Game plan it. #creditchat #FrugalAndFly #BackToSchoolHacks

A8. Get creative before you get spendy. Last year’s backpack still sturdy? Throw it in the wash and add a patch or keychain to give it new life. Kids love the upgrade—and your wallet will too. #creditchat #BackToSchoolBudget #ReuseWithConfidence

A9. Use the “Refund Rule”: If you get a surprise refund, rebate, or rewards points—pretend it never existed and reroute it toward your school budget. Future-you will be unbothered. #creditchat #ResilientBudgeting #MoneyFlex

A9. Families can stay financially resilient during back-to-school season by setting a budget early, prioritizing essentials, & taking advantage of sales, coupons, & secondhand options. Open communication with children about needs versus wants ahead of time also helps. #CreditChat

A10. Learned the hard way: saying yes to every request = broke and burned out. Now I set a “yes budget” for extra things (donations, class gifts, etc.) and stick to it. Grace ≠ overextension. #creditchat #BudgetLessons #BoundariesAreWealth

A10a Many overspend on trendy items their kids don’t need—or use. Stick to the list. Make a plan, check what you already have, and focus on function, not hype. #CreditChat