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10275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(21,"div",12),a.\u0275\u0275elementStart(22,"picture",13),a.\u0275\u0275element(23,"source",14),a.\u0275\u0275element(24,"source",15),a.\u0275\u0275element(25,"source",16),a.\u0275\u0275element(26,"img",17),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(27,"div",18),a.\u0275\u0275elementStart(28,"span",19),a.\u0275\u0275text(29,"Back-to-School Savings"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(30,"div",20),a.\u0275\u0275text(31,"Smart tips to cut your back-to-school spending"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(32,"p",21),a.\u0275\u0275text(33," Americans are projected to spend $82.8 billion on the 2018 school year, and clothes, books, and supplies add up fast. These five practical tips help you keep your back-to-school total down. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(34,"nav",22),a.\u0275\u0275elementStart(35,"h2"),a.\u0275\u0275text(36,"Table of Contents"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(37,"ol"),a.\u0275\u0275elementStart(38,"li"),a.\u0275\u0275elementStart(39,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S2")})("keydown.enter",function(){return t.scrollTo("S2")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S2")}),a.\u0275\u0275text(40,"Create a Budget"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(41,"li"),a.\u0275\u0275elementStart(42,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S3")})("keydown.enter",function(){return t.scrollTo("S3")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S3")}),a.\u0275\u0275text(43,"Wait Before You Buy"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(44,"li"),a.\u0275\u0275elementStart(45,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S4")})("keydown.enter",function(){return t.scrollTo("S4")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S4")}),a.\u0275\u0275text(46,"Shop Outside the Box"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(47,"li"),a.\u0275\u0275elementStart(48,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S5")})("keydown.enter",function(){return t.scrollTo("S5")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S5")}),a.\u0275\u0275text(49,"Shop Smart"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(50,"li"),a.\u0275\u0275elementStart(51,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S6")})("keydown.enter",function(){return t.scrollTo("S6")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S6")}),a.\u0275\u0275text(52,"Educate Your Children"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(53,"li"),a.\u0275\u0275elementStart(54,"span",23),a.\u0275\u0275listener("click",function(){return t.scrollTo("S7")})("keydown.enter",function(){return t.scrollTo("S7")})("keydown.space",function(e){return e.preventDefault(),t.scrollTo("S7")}),a.\u0275\u0275text(55,"FAQs"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(56,"p"),a.\u0275\u0275text(57," The National Retail Federation (NRF) estimates that Americans will spend $82.8 billion on shopping for the 2018 school year. How much of that will be yours? Shopping for clothes, books, and supplies can quickly add up to a surprising amount of money, so Billshark wants to offer you some tips on how to keep your total down. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(58,"h2",24),a.\u0275\u0275elementStart(59,"span",25),a.\u0275\u0275elementStart(60,"span",26),a.\u0275\u0275text(61,"1"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(62," Create a Budget"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(63,"p"),a.\u0275\u0275text(64," Just as with holiday shopping, if you don\u2019t set a budget in advance, you will spend way more than you wanted to. There\u2019s no point in going broke, just so your children can go to school. Figure out what you can afford and divi
1de the total among your children, then further divide that among clothes, books, and supplies. Avoid impulse shopping and splurges, because chances are your child won\u2019t end up using those items after all. Planning can not only save you money, but also time rushing from store to store. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(65,"h2",27),a.\u0275\u0275elementStart(66,"span",25),a.\u0275\u0275elementStart(67,"span",26),a.\u0275\u0275text(68,"2"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(69," Wait Before You Buy"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(70,"p"),a.\u0275\u0275text(71," Do not buy any items until you have the teacher\u2019s list in hand, no matter how tempting the deal. If you buy too early and find out after school starts that you didn\u2019t need the item, it may be too late to return it for a refund. In addition, after the crush of early school shopping is over, most stores will put that kind of merchandise on clearance, usually in September, so you can save a lot by waiting just a few weeks. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(72,"p"),a.\u0275\u0275text(73," And before heading out, be sure to inventory what you already own. You may find perfectly good clothing or unused supplies from last year hidden away in closets or even scattered around the house. Also, if your state offers a sales tax holiday on back-to-school items, try to hold off till then. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(74,"p"),a.\u0275\u0275text(75," Finally, if your kids think they absolutely must have a super-on-trend item, they may get to school and find the trend has passed, and their pals have moved onto to an even trendier item, so it\u2019s best to wait till school starts. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(76,"h2",28),a.\u0275\u0275elementStart(77,"span",25),a.\u0275\u0275elementStart(78,"span",26),a.\u0275\u0275text(79,"3"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(80," Shop Outside the Box"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(81,"p"),a.\u0275\u0275text(82," Clothing, especially for fast-growing younger children, doesn\u2019t have to be new to be perfectly acceptable. Yard sales this time of year are still ubiquitous, or you could organize a swap with other parents, not only for clothes but for unused supplies. Also check out Goodwill and consignment stores for clothing in good condition. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(83,"p"),a.\u0275\u0275text(84," And don\u2019t overlook the dollar stores, which these days feature a large array of school and office supplies for far less than you\u2019d pay at most other retailers. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(85,"h2",29),a.\u0275\u0275elementStart(86,"span",25),a.\u0275\u0275elementStart(87,"span",26),a.\u0275\u0275text(88,"4"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(89," Shop Smart"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(90,"p"),a.\u0275\u0275text(91," Use any of the many price comparison apps to find the best deals, then look to some of the local stores in your area that offer price matching. Target, Wal-Mart, and Best Buy are some possibilities. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(92,"p"),a.\u0275\u0275text(93," And though Billshark wants you to save money every way you can, realize that sometimes bargains can cost you in the long run. Be willing to pay more for such durable goods as backpacks, gym supplies, and shoes that will last longer than the cheaper versions. At the same time, don\u2019t go crazy trying to save a nickel on a pack of pencils or a bottle of glue. It\u2019s better to focus your shopping time and savvy on the bigger-ticket items such as electronics. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(94,"p"),a.\u0275\u0275text(95," Think about buying refurbished electronics from reputable companies. If they\u2019re certified, they are reconditioned to factory standards and will offer a guarantee. "),a.\u0275\u0275elementEnd(),a.\u
10275\u0275elementStart(96,"p"),a.\u0275\u0275text(97," Also follow a few of your favorite stores on Facebook and Twitter to get advance notice of sales as well as coupon offers. And see whether your credit cards offer rebates or rewards on back-to-school shopping. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(98,"h2",30),a.\u0275\u0275elementStart(99,"span",25),a.\u0275\u0275elementStart(100,"span",26),a.\u0275\u0275text(101,"5"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(102," Educate Your Children"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(103,"p"),a.\u0275\u0275text(104," This is the perfect time to teach your children about intelligent spending. Explain budgeting to them, help them understand how quickly all the different items add up, and let them learn about restraint (or disappointment, if you will). Just because they want several different electronic devices with all the newest bells and whistles doesn\u2019t mean they need them for school. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(105,"p"),a.\u0275\u0275text(106," Finally, this is a great time to submit your bills to "),a.\u0275\u0275elementStart(107,"a",31),a.\u0275\u0275text(108,"Billshark"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(109," and let our sharks find you hidden savings you can use for back-to-school shopping. "),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(110,"div",32),a.\u0275\u0275elementStart(111,"span"),a.\u0275\u0275text(112,"Share:"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(113,"a",33),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(114,"svg",34),a.\u0275\u0275element(115,"path",35),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(116,"a",36),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(117,"svg",34),a.\u0275\u0275element(118,"path",37),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(119,"a",38),a.\u0275\u0275namespaceSVG(),a.\u0275\u0275elementStart(120,"svg",34),a.\u0275\u0275element(121,"path",39),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275namespaceHTML(),a.\u0275\u0275elementStart(122,"div",40),a.\u0275\u0275elementStart(123,"span",7),a.\u0275\u0275element(124,"img",8),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(125,"div",41),a.\u0275\u0275elementStart(126,"strong"),a.\u0275\u0275text(127,"Billshark"),a.\u0275\u0275elementEnd(),a.\u0275\u0275text(128," \xb7 Bill Negotiation Experts"),a.\u0275\u0275element(129,"br"),a.\u0275\u0275elementStart(130,"span",42),a.\u0275\u0275text(131,"Helping consumers and small businesses stop overpaying on recurring bills."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(132,"section",43),a.\u0275\u0275elementStart(133,"div",2),a.\u0275\u0275elementStart(134,"div",44),a.\u0275\u0275elementStart(135,"h2",45),a.\u0275\u0275text(136,"Frequently Asked Questions"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(137,"div",46),a.\u0275\u0275elementStart(138,"details",47),a.\u0275\u0275elementStart(139,"summary"),a.\u0275\u0275elementStart(140,"h3"),a.\u0275\u0275text(141,"How much do Americans spend on back-to-school shopping?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(142,"p"),a.\u0275\u0275text(143,"The National Retail Federation (NRF) estimates that Americans will spend $82.8 billion on shopping for the 2018 school year. Because clothes, books, and supplies can quickly add up to a surprising amount of money, setting a budget and planning ahead helps you decide how much of that total will be yours and keep your own spending under control."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(144,"details"),a.\u0275\u0275elementStart(145,"summary"),a.\u0275\u0275elementStart(146,"h3"),a.\u0275\u0275text(147,"Why should I wait before buying back-to-school items?"),a.\u0275\u0275elementEnd(),a.\u
10275\u0275elementEnd(),a.\u0275\u0275elementStart(148,"p"),a.\u0275\u0275text(149,"Do not buy any items until you have the teacher\u2019s list in hand. If you buy too early and find out after school starts that you didn\u2019t need an item, it may be too late to return it for a refund. After the crush of early shopping is over, most stores put that merchandise on clearance, usually in September, so you can save a lot by waiting just a few weeks."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(150,"details"),a.\u0275\u0275elementStart(151,"summary"),a.\u0275\u0275elementStart(152,"h3"),a.\u0275\u0275text(153,"Where can I find cheaper school clothes and supplies?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(154,"p"),a.\u0275\u0275text(155,"Clothing for fast-growing younger children doesn\u2019t have to be new. Shop yard sales, organize a swap with other parents for clothes and unused supplies, and check Goodwill and consignment stores for clothing in good condition. Don\u2019t overlook dollar stores either, which feature a large array of school and office supplies for far less than most other retailers charge."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(156,"details"),a.\u0275\u0275elementStart(157,"summary"),a.\u0275\u0275elementStart(158,"h3"),a.\u0275\u0275text(159,"When is it worth paying more instead of buying the cheapest item?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(160,"p"),a.\u0275\u0275text(161,"Sometimes bargains cost you in the long run. Be willing to pay more for durable goods like backpacks, gym supplies, and shoes that last longer than cheaper versions. Don\u2019t go crazy saving a nickel on pencils or glue; focus your shopping time and savvy on bigger-ticket items such as electronics. Consider certified refurbished electronics, which are reconditioned to factory standards with a guarantee."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(162,"details"),a.\u0275\u0275elementStart(163,"summary"),a.\u0275\u0275elementStart(164,"h3"),a.\u0275\u0275text(165,"How can shopping for school teach my children about money?"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(166,"p"),a.\u0275\u0275text(167,"Back-to-school shopping is the perfect time to teach children about intelligent spending. Explain budgeting, help them understand how quickly all the different items add up, and let them learn about restraint. Just because they want several electronic devices with the newest bells and whistles doesn\u2019t mean they need them for school. You can also submit your bills to Billshark to find hidden savings for shopping."),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(168,"div",2),a.\u0275\u0275elementStart(169,"section",48),a.\u0275\u0275elementStart(170,"h2",49),a.\u0275\u0275text(171,"Related Blog Posts"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(172,"div",50),a.\u0275\u0275elementStart(173,"a",51),a.\u0275\u0275elementStart(174,"div",52),a.\u0275\u0275elementStart(175,"span",53),a.\u0275\u0275text(176,"Savings Tips"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(177,"img",54),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(178,"div",55),a.\u0275\u0275elementStart(179,"h3"),a.\u0275\u0275text(180,"5 Tips to Save Money on Back-to-School Shopping"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(181,"span",56),a.\u0275\u0275text(182,"Michel Mora \xb7 Jul 28, 2016 \xb7 2 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(183,"span",57),a.\u0275\u0275text(184,"Read article "),a.\u0275\u0275elementStart(185,"span",58),a.\u0275\u0275text(186,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(187,"a",51),a.\u0275\u0275elementStart(188,"div",52),a.\u0275\u0275elementStart(189,"span",53),a.\u0275\u0275text(190,"Financial Security"),a.\u0275\u0275elementEnd(),a.\u
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Key Facts and Insights"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(265,"span",56),a.\u0275\u0275text(266,"Brian Keaney \xb7 Aug 27, 2018 \xb7 2 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(267,"span",57),a.\u0275\u0275text(268,"Read article "),a.\u0275\u0275elementStart(269,"span",58),a.\u0275\u0275text(270,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(271,"a",51),a.\u0275\u0275elementStart(272,"div",52),a.\u0275\u0275elementStart(273,"span",53),a.\u0275\u0275text(274,"Home Budgeting & Finance"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(275,"img",65),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(276,"div",55),a.\u0275\u0275elementStart(277,"h3"),a.\u0275\u0275text(278,"Smart Tips: A Summer Checkup for Your Financial Health"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(279,"span",56),a.\u0275\u0275text(280,"Carolyn Depoto \xb7 Aug 16, 2018 \xb7 4 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(281,"span",57),a.\u0275\u0275text(282,"Read article "),a.\u0275\u0275elementStart(283,"span",58),a.\u0275\u0275text(284,"\u2192"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(285,"a",51),a.\u0275\u0275elementStart(286,"div",52),a.\u0275\u0275elementStart(287,"span",53),a.\u0275\u0275text(288,"Home Budgeting & Finance"),a.\u0275\u0275elementEnd(),a.\u0275\u0275element(289,"img",66),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(290,"div",55),a.\u0275\u0275elementStart(291,"h3"),a.\u0275\u0275text(292,"Financial Awareness for Millennials: Smart Steps"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(293,"span",56),a.\u0275\u0275text(294,"Steven McKean \xb7 Aug 13, 2018 \xb7 3 min read"),a.\u0275\u0275elementEnd(),a.\u0275\u0275elementStart(295,"span",57),a.\u0275\u0275text(296,"Read article 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