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The Budget Stretcher
Week Of: August 7, 2006
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Grandpa Terry's Quips
Tip #49 - Getting organized is essential when it's back to school
time. Then reality sets in!
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***What's Inside***
Money Saving Tip
Subscriber's Tip of the Week
Coupon Savings
Grandpa Terry's Update
Credit Card Information
Grandpa Terry's Tip of the Week
Site of the Week
Grandpa Terry's Email
This Week's Articles
Special Recipe - Lunch Box Recipes and Ideas
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Subscriber Tip
Hi:
Check out all the Sunday circulars. Wal-Mart seemed to be the
only one selling certain school supplies 5/$1. This week, the
office supply stores plus the other discount stores, such as
Target, CVS, Eckerd Drugs, Walgreen’s have gotten on the
bandwagon to offer cheap school supplies either $.10 each or
others 5/$1.
Check the local thrift shops for school and office supplies. I
once went into one where they had a grocery cart full of the
green hanging file folders, with a sign "free". I asked if I
could have them all and they said "Yes". What a deal!
It seems to be that certain thrift stores get certain
merchandise. One I frequent gets Seiko Watches, real ones. The
most I have paid for one is $9.99, needed a battery, ($5 as the
cheap ones won't work in such a watch) real value of the watch -
$250. Another thrift shop seems to have office supplies and
office equipment. Learn what they carry the most of and take
advantage of it.
May The Angels Watch Over You,
Betty G.
All you have to do is submit a "Subscriber Tip" and
if it appears in The Budget Stretcher you will get your
choice of either The Complete Budget and Bill Organizer
Download or 10 of my Budget and Credit Card Calculating
Forms.
Please use the form available at:
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Coupon Savings
by Michelle Jones
Certain times of the year call for extra bargain shopping
efforts to save money and "Back to School" is certainly one
of them! Whether you scout out extra coupons for school
supplies at drug stores, office supply stores and discount
stores, or take advantage of special shopping days (such as
"tax free" or "save an extra 20%"), every dollar saved will
help your budget go a little further!
Save hundreds of dollars on your groceries each month, with
or without using coupons! Read more of Michelle's FREE
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Grandpa Terry's Update
Welcome to this week's issue of our newsletter. I
hope this finds everyone doing well.
As promised, this week's issue is going to be all about our
youngsters going back to school. I already had several ideas
and tips from previous years that I've included.
I did a search on Google for "Back-to-School" and came up with
about a gillion hits. I spent about three hours going through
and checking out several of them and came up with the list
of sites below:
Back to School
Thrifty Fun
Back To School Resource Center
Family Education
Back to School for Kids With Special Needs
Kids Health
Back to school savings guide
5 Tips: How to get deals on books, computers and more.
By Gerri Willis, CNN/Money contributing columnist
I think that should keep you busy for a while. I hope this issue
makes sending your kids back to school just a little easier.
That's all for now. Remember, I really enjoy hearing from you
folks. If you have any comments, complaints, suggestions or
just want to say Hi, please send me an email to
If you know someone that may be interested in subscribing to our
newsletter just have them visit:
All the best,
Grandpa Terry
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and view over 10,000 tips and articles to save you money
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Credit Card Information
Teach your teen how to handle credit cards
By Liz Pulliam Weston
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Grandpa Terry's Tip of the Week
Save On School Supplies (Reprinted from Jul 28, 2003
Newsletter)
I was interviewed by a lady recently for an article that
will appear on an investment web site that will run in their
publication in the next week or so.
Her topic was saving money on school supplies for
elementary school age kids. I was able to come up
with a few suggestions that I thought might help and
I did a little research on the web to come up with a
few more.
I thought you all might be interested in seeing the
list.
Start out by checking to see what you already have that
might be used for the upcoming school year. This
includes school supplies and school clothes. Once
you have determined what you have that can be used
you will need to make a list of what you need.
If you have older kids see if any of their leftover
school supplies can be used.
Check with your friends and family to see if they have
any supplies you can barter.
Collect as many Back to School flyers from your newspaper
as you can to see what items you can save money on from
your list.
Pay cash for your back to school purchases. The
interest on credit cards can easily eat up any savings
you managed to get.
Check the Dollar Stores. They normally carry some items
you might need at very affordable prices.
Try to buy your back to school items without the kids along.
This may be a little difficult when you are buying their
clothes but it could save you a bundle and a lot of headaches.
Always store your school supplies in one location to make
sure you can find them when you need them. This will save
you money later on.
Be skeptical of the initial list you receive from the teacher.
It is best to buy the basics first and the rest after you see
exactly what they need.
Put your child’s name on everything.
Check to see if you are eligible for free or reduced lunches
at school. If not consider packing your child’s lunch.
Buy your kid’s clothes just a little large. This may delay
replacing them.
Instruct your kids that their school clothes are just for
school. If they want to play after school they have to change
in to play clothes.
It’s too late for this year but you may want to start your
back to school shopping much earlier if you find items on
sale. As fast as kids grow at this age it may not be a good
idea to buy their clothes early.
I hope this helps!
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Site of the Week
Back to School - First Gov.gov
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Grandpa Terry's Email
School starts here the end of August, but daytime
temperatures remain in the 80's or higher until mid
October. Instead of buying a "back to school
wardrobe" before school starts, we buy one outfit to
wear the first day of school and a new pair of
athletic shoes for PE. We sort through existing
clothes for shorts, capris & skirts that still fit
(and are appropriate for school) and buy a few new,
solid colored t-shirts to match. Then we sit back and
wait for the Fall clothes to go on sale in October,
about the time the weather starts to cool down.
Margie
----------
I am a 5th grade teacher. Parents need to keep in contact
with teachers when things happen at home that might effect
their student at school.
For example: the dog getting ran over right before the
student leaves for school, a grandparent in the hospital, a
divorce. All of these things and many more can effect a
child's school day. We can be more sympathetic to their
moods if we know what is going on at home.
Nancy
central Texas
----------
With all the back to school sign-ups and fees it is sometimes
hard to take full advantage of all the sales on school
supplies so instead of a tub that lasts the year it often
empties when nothing is on sale. It is frustrating to buy
paper at a $1.00+ a package when it was once .50 or less.
Then a friend gave this tip--buy what they need to get
started on school and put the rest in lay-away. This lets me
stock up on all the definites and the even 'the maybe's. The
back to school unexpected fees can be paid without straining
the budget and any 'maybe' items can be returned. This also
works for having art type supplies ready for Christmas gifts.
Stephanie in AR
----------
Hello,
This is not much of a tip but it is what I do to keep from
killing the budget in August.
I love the Dollar Tree. Once a month I go to the Dollar
Tree and buy a few essential items I know will be needed at
the beginning of the school year. I know the classroom will
need tissues, hand wipes, pencils, pens, notebooks, stickers
etc. I purchase these items monthly and store them in a
"back to school" blue plastic tub in the closet. Having a
supply of items on hand collected throughout the year really
saves some money. I am also able to donate to the Church's
annual school supply drive because I have these items on hand.
Hope this helps,
Martha
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Subscriber Tip
When my girls were young, around 5th-6th grade, I was a single
parent on a very limited budget. My daughters wanted all the
newest clothing styles just like "ALL the other kids".
It was a continuing battle with the girls, often leaving them
very disappointed. I decided to give them a clothing allowance-
what I could manage each month, and let them buy whatever they
wanted. It worked great! It ended the battle very effectively,
and taught them ALOT about managing their money.
Sadee
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Subscriber Tip
For the Parents on back to school items, our state is holding
a tax free day along with cities adding to it. Check your
state and city out and also try the outlet stores as these
are already marked down and the tax savings would increase
your savings!
Victoria
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This Week's Article Links
Just click the links to view the articles
Back to school, or back to the poor house?
By Tawra Kellam
Back To School Clothes On A Budget
by Kim Danger
Turn back-to-school shopping into a learning adventure
By Amy C. Fleitas • Bankrate.com
Back to School Shopping Blues
By Patti Chadwick
To read more articles visit:
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Special Recipe
Lunch Box Recipes and Ideas
Easy Ritz Cracker Snack
From Diana Rattray,
Your Guide to Southern U.S. Cuisine.
INGREDIENTS:
1/2 cup marshmallow cream
1/2 cup peanut butter
48 Ritz Crackers
1 1/4 cups semisweet chocolate chips,
melted
1 cup flaked coconut or chopped nuts
PREPARATION:
Spread about 1 teaspoon peanut butter on 24
of the Ritz crackers. Spread 1 teaspoon
Marshmallow Creme on remaining crackers.
Sandwich crackers together, using one peanut
butter and one marshmallow, then dip in melted
chocolate or white chocolate (almond bark),
and roll in coconut or finely chopped nuts to coat.
Set crackers on waxed paper and let stand until
chocolate sets. Store in air-tight container for
up to one week. Makes 24
Get many more ideas for packing a lunch box:
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Everyday Savings
These Tips provided by The Frugal Shopper
Get dozens of links for Teaching & Home Schooling Materials
at the below link:
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Contact Information:
Budget Stretcher
1203 Madison 228
Fredericktown, MO 63645
FAX: 573-783-5982
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Disclaimer: This newsletter is only intended to provide
information on proper money management. Budget Stretcher
or Terry Rigg can not accept responsibility for any injury or
damage that may be caused to yourself, others, or
property when following any advice given.
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