*First National Community Bank’s blog does not constitute legal, tax, accounting, investment or other professional advice. Recipients should consult their professional advisors for advice.

It’s hard to believe that in Northwest Georgia, July is already here, which means that back to school is just around the corner. With many local schools starting in August, now is the perfect time to start planning and shopping smart. Back-to-school expenses can add up quickly, but with a little preparation, you can save big and avoid last-minute stress. Here are 7 money saving tips to help your family get ready for the new school year without breaking the bank.

1. Take Inventory: Before you hit the stores, check what you already have at home. You might find leftover supplies from last year like notebooks, pencils, or even a backpack in great shape. This step alone can cut your list (and your spending) in half.

2. Set a Budget and Stick to It: Decide how much you’re willing to spend on school supplies, clothes, and other essentials. Involve your kids in the budgeting process to help them learn about money and understand the difference between needs and wants.

3. Shop the Sales Early: July is full of early back-to-school deals. Start watching for flyers, coupons, and store promotions now. Shopping before the rush can also give you more options and less stress.

4. Buy in Bulk When It Makes Sense: For households with multiple children, or just to save over the long haul, buying in bulk can reduce costs. Stock up on items like glue sticks, paper, or folders that will be needed all year.

5. Check Out Thrift Stores and Online Marketplaces: Look for gently used clothes, backpacks, and even electronics. Kids grow fast, and secondhand items can be just as good and are often at a fraction of the price.

6. Use Student Discounts: Many retailers offer student discounts on everything from clothing to laptops and software. All you may need is a student ID or school email address to access deals.

7. Think Beyond August: Pick up extra supplies while prices are low so you're prepared for mid-year needs. Stocking up now can save you from paying higher prices later.

With a little planning and smart shopping, you’ll head into the school year organized and with more money in your pocket. As your locally owned community bank of choice, the success of your financial future is top of mind. We offer Personal Checking Accounts, Money Market Accounts, Personal Savings Accounts, CDs, IRAs, Mortgages, Personal Loans, Personal Credit Cards, Business Credit Cards and Business Loans of all shapes and sizes.

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