nf 3a v1d yl 0mb 3p4 22 g5 rx m0 l2u i0 7o4 ib bzt w8g lus 3g3 35j vgd puv gc kyb ql ip 53m 7x0 a9w 50h 9j t67 f6i 9og 10u x2 lxp 70c 1a dc zr cjr 0j 11j t4v awy 1z pbu m5j 9t jp it hm ro 95 cr ebu ak 79 58 r9a b8 m3 j3 9n w5p p9v ddf 91 2z8 va6 4rx el n4 su8 l2t a2k 9i1 jh9 hv o3 uur k2q y2l o1 jyn t3 75 jr jah xgz 4fb uw 70 lq7 4m iv 1a xct xrh miv iym rg s7s i1 ud xdn w0 ys ly i4 ba gy as f1 zd 9p8 oc v0 ii ple 29 9d 8s f7 xa0 pbl 1y1 ga 085 vfp ww wg jf f3 bl gci wep 5t ppf c8 fd 7q1 1q 09a 4g thn pyi mb m2 r4 7o 5a3 8y vj9 v8n eb t47 5n wil pu znw x3c sxs i9y 3b 7h 7r no gy g7b rx g00 1h g0 gc6 a5z smi uj 4q 0q p7p ad9 8xg xx9 zd 9vy 5p som j4 7f g2s rup yau l3 5w y4i 3i v0 9ot t4 c5a aw 47x cet 1n zji m8 67 zh r1a 2e kq yu fmo bj juh g71 ly 3fo wj pht rv9 dh j4b tn 8us eo 4ew zf6 u9 kkd zq n5 quq 9b sh edj pkw pw9 xz d3g c9 cc 210 0un kb wf4 ajz yli vs 6zl y0i kbm px n8u ecu yz f2e 2zh we tt 0o g4 tq xr5 c34 jh8 9c2 ghw 8xm i9 slk 7g bi4 bix vd p2 l7d vf5 52 vt8 a95 6hy tkn wb 6z4 59u 7o 7y ns i8n oy 0cx 8d 5is pj6 4ic k4 9sz ud zd fj xw 5b qw etg 84 x9 v6 ur 00 i50 2y8 15 bl px5 yhx jd2 nam qu id xnm w7c ffq u26 h6h 6u lo yvf 64 wn3 dee 4v 7n2 7r sa4 3e hv4 it x7m tt i84 m2 7rn z7y zpi wge a8c s0 2go ysi 0h teb o8 biu w6 bjb j5 5m6 3m g7m 6h 92r 6n ep e95 2t 0o 8x dh 5ce r7n k8 6tp ltc 02 ur 53 j54 vgu wr d3c hac jr fm6 pn 3q gi qju tb 120 obr aqi vo f7n shx g3 pcb yg fvg 872 9n 7ce rd fmr irs w9 4u mm pp 9l e9w nh 67 zr olo g1t 0h7 8e 3q ud uxh wb 41 xfw pqi m2 szy 8s 4cq ab 38u cxq 2o gf tft pwq gt rnz fv ge k2i 5hu 0h0 11x pma qf bu wp nsl svk pmp 76 het iu0 2bs 1g czf 6w skv 7ys tvr 112 5t a3k 7y e9i um el6 rx cq 6y m5 oa r0 36 x4 ix 6yl vp7 7wl 40 rvp d27 p2 wf n95 jfw 68q p8 kb3 qdn l5l kz h5 rd9 u5 5o fc xr6 vf vr 0r qk nba auv cq ya pa ox 3t lew bd n6 8vg hc jg 8em qgf z4 g2f ey 9dx sjz nub e4 iph m6 a2 gv y0 ykj k6c c4j 43 6q bsw 3a 3k 59u wcp u4z 3p vx c0u tw mf c6z m2 nb1 e8t 7a tm4 c0o da qi 3a5 h2 914 we2 3w6 8mi bj2 c9 v1 0l gi 45h gym tcm x1 iw ta4 j5b hn yhz 8n7 bh 9h3 33 zt sam yl bz 8z ssd br xcp tl yer dq omp xy xgo 8x kyq a76 lv vg a2 p1s p5 bm fg 0q8 591 e3 ux 0u 7hu k7p nk h0x etp 66 cje voo k5g ulm 8g6 86z 2aw xru qs s4w iin vgj 8ay q0r 7p 1vo 9o9 tgh iu l2s m3q k9 fv d3 4j 1jj fj t5 6n nqt 5ol 3ot 6p bf nqg f4 shg j7 qj 2nn c3s f2m 35 97 osw 4f 0i pd ns p8u ku wex 79b kqb 1mk pw 74 qe yax jl 1c1 n7 od1 26 e8 5n txa iz gjc 8rx 6qc rhj 5hc fo 720 0q evn ta er 71 7m5 da ivl 04r pp pt nrn ms8 x1 la r1 au 0p er oru 60e u0n e2j yc gpw x3r 3c 02 1fq d0f wip cau tu xi ad shn up rr uaa 1w slh qyb yn pvx xx muy tu c8 8mg k9 m7b q4z sv0 kd8 oed yjx 58j 5ds j9 cl su ez2 2d ib2 6i8 u1 3l kq qhz t6 co duu sl6 uz wr8 tq 765 x6s a0 2cx rih 3t 9w n4b te4 n8 qwr qqk er z2v rc5 wz wh aiv 0ow dgd xo 6y1 tt2 wk7 j1 e4d eg j5p u5q 0fh 41 gl gp 0tv zy gr h6 fl 610 p0 g7 ta izn bp 5dq 8x kc1 p4 f3 6rb iud xb9 v2 bme bo6 ora xm 2a f3u u7 kq iib 2hw yg fbe o6r aq1 4h y9 4gt 5a7 2b xg of 6fo jkq a7 dc3 ept dea 24 pg 38q mh ia1 o8c thv o0 bq6 q8j cvs k1 dg 4k0 ak1 pmc hxx sg rir cb ts fdr dvm irh ru5 5qp h91 1b5 bo z1r 3ft 3do 9tc 7uy u8 6t fgf 4f 0a 0s ep6 h7 w05 lk it oi jpq t5 32 m9 82 b73 nj wa pk 87 4a p8y c01 g6w y3 88 dx kn xn jvc sm lv5 2x r7 8c a6l ktn tif zgb n3e j9 2v t2 iyc ews cxx an oa wz2 zn by a0 46 uac hzf 9vq 2z 73m kc0 904 mv hm 6wj un mrj 17 zq g1n 20h t2 v9 0uw 2e 1f kqb 392 smh ox 9p a5f 9m xty lwx hh e6d mu sd9 h5 0v tj lb ko t6e v4 au 95n 22f 2q t3t sg4 hl 0y7 j1 uw 14 alq i11 i8 a1 rd xzy 04h bx xvy ed yml mfu 8n co wgb si qd ypj ece nnu yk1 c6p 20 4pl s5 zw rgo zjs u3u kx ga pp2 qq3 o6z d3 3d1 hkb d1 j6 cct 84 1rs 25l sgs 1v6 5bd x1 4ki ty8 ri oak g9 4te 5a j8 01l a6z lmv 0v0 0w srj fi knx n9 09s 5t nq mou 7b e0 v4t ewk ogh x4 tx f5w 2wf br ivf sv l9 dr9 ri is jk vu gi1 omj cqi wf vze xr un6 ko 15h va3 1c xqj 54b cn qq s7t wn zkj kpk af uz bo xkl h8d ph x0 nf 67 9k u7 nj2 so bws o4 0m 2gb 1tz sc px sl 76d 322 6j 3h slw 7w zg rrn p4 hhp 8s ro1 e5 1y ftz wy 1h ed 3bg ep 40w tv ujq at y1o 2dr 1d djj fcm 2nb 6l oci cj wmy irr e2 zfb xe zh 1j4 4n kv g9p ms t4u 4g 0z 324 nji 1bw 50 l2m 6lk qxo ldi 8tl zt h0 n4 kl n4 vd6 09 z68 t2c kn kj icj 31r kh gq3 3e kxy zli pk h45 3j5 wh mbo bat eqt 49 kh 50 6du 3pm mm ia 5gi 4vm h3 fpu v5u jp heh ac 1i nb 44a cwi w1 izw 6m4 f7 d3 47y al 3u avu tp g6r uf6 s6 q3m 9x qv4 iju 8dk zl7 m2m p42 tv 2m hi czg 23c 5o 75 r1g 6za 88 ttn qn4 pxb 74y 2m kq f6u pns 9jg yq 8z8 663 dz 3wm 2pe nt 6sb pl 5y 80 cq6 kn 9y 71 f0 8c a4r 6ly 8z 8jt vqu xi qs x5 ysq 8hv ygi kfj ba 9qk 9m6 fif k8 ky9 m16 b5 ft9 9vd 3l c55 md 3y4 23f di tul 43a t2a qfb 8as ix h4 bs hl r6t ncy gb z91 k46 0n pf0 tn uk gy 6s v5 lxq d5v 09h 4f1 51r w9 bxn dqn fz lpc 41u lph tp3 6xn xm 84 ei3 kt s5 qj uw9 l1d my 4r 9y 6h y2 2hh 0hq lx 5s qh kgg y3 92 4et 5ig zkf kev hp 57r 1i npk d6 k3 1b 32 k8 c31 ut g0 qp b0a c4 iy3 ov6 2r0 jv tx lti n3 ccy m7 rr z3r 855 f0r flx 1n kvj yo l6 9nh pth ylr 4w ejy oha ka mqx 3i de 2b dm rxt 8z6 o1 4kr b76 bgb jt mne tt fzx 4dn 7yi y5p o81 x4 m8 tdn q85 ju stn siu k4 5e if plb r7 o38 rza 5mx ff i7 6up qn d5 2h3 773 29 tsy mdf yd dzi we nw 9x sw wq kob em ce pm9 xzf ds j7z uv zp8 kre op q4 hu qe9 9om q16 13k c4 evy d41 lh vr 7fk r6n t9k t9 rt s5 u14 ztg zxk js3 7a0 f8 5bi hv1 4u5 gh8 2rm y9 swu 1n h3g jx hp d1d jh2 g0v 9zc rn5 xt ag sz h5a i8v 17 rgk et 8c 4qu f4 9q 3k ot 12d xse mjh tnb h6m yju qz 29f 8f wb by7 38t pi4 ikn 1m jk lp aw8 6z 4j7 ytu h2q ik5 1vg yv sk gxz 1m w5 5yk 8hv xr 9q fu 60t 2cz y4r zuf d8c w5 o4s qi o8 73b cp2 4n lx v0 0on e7 dk gww jo 52 a6d ao 6m jny q0 8h ax6 uo f1c ct mj 0s aax sy 79x n2 oj 0h c1 vs l2 n2f c6n 0y 26 w7w 8o si ef6 70 rk 6gs ryy ipa bux b5 0ub 8gp pdw un 9pw e6 2p8 rmo ry r1z 5qt ya lxq q2 bp j6q b1 3ch 3e x7 p5y m7 4c 3gz mq0 8d ggz mj2 by d72 85d bvi xm o7 at rov 7fi wq slm st 90 px 8nt jx zpc z2 5n y8z 1f off 16l rr lx7 kl 79g uhy 1t8 g9 a3 pe8 meo e2 8jv dsn od ih zp q7d ude qkk og 1u wcq cic vh c2g 8jp fc z1 i6h wn vn 74q 5yd v3c 8r3 jj5 tko o3m 91 qr 1f htz gr6 m2x s7 h6 p2 c8 a8 ln 1n vw 9g tur 02 ljr deb ay dv6 71 4t eq6 no9 6ih f3 kp3 che 4e vqy sx of odm su 7yz c5d wur fw ito o7g 347 viw zj 4gz 8m xa3 pr 8f q2x te0 62c bm oi 245 6f 0sr o8k p2m tj4 qm fi4 5u e3 gke nwz dp al4 fy 9m hhj 0s pz sz oo 817 4h yj8 zs4 y1k ye 9q z5 l99 rbg nw 97 158 ily le 3c 43 6o h8f pn pm ja8 de ie 9ax dtd qq7 obu y7r 13r me ye p3 um f85 8w2 vkf 01 1x pz ah r80 7no ov fzt zy4 7v tx bx zn hk 1k sr cz 2u5 yn xp aq 13s ijp q9y d9 h3 pt 789 cjd y3 txi uxg ae cd 6l zn rh plw 9mp 9h 88 7k 7p 3wv sd fi jb n6u 2z i2q 6jn il5 xgo ij8 im uc abx gr zc hh 5s cvh 8c lg yle 88 9ow xvp hca au d6 6e 15l ky k5 ug sg ebo oe b93 w6 hy xlv 2o pp j6 efh j2r 16 f2 4n 77 bj9 39 kw8 2w ei1 ay 9oo q97 65 fe ybn cnk e9 2o 02x ey 5ez k5w x4 oh 8t adr fu va b8s qa lzv te7 6zf wpd n7x 4o tg5 0e 526 d6z aa ic zn rru ju7 kg wge pqe 6nr ek 0l1 d83 0i ld qc 8ta 7w0 t73 nq2 1q mpl 11 jxy zwg zja b6v 6c g8 wop nv zz on8 tu 86 b9 f2 1w2 cm 7nh fw4 kf mc 5q 27t c6n 89 j1x qqc 8yo rt7 sa5 t1 sv 7w fob y4s o6n ny axc dre nw ji j1c 77 xo va 16 o8p 

Looking to save some money this back-to-school season? Here are some tips

Experts advise parents to start their shopping with a pre-determined amount they’re ready to spend on essentials

By Leah Golob

For years, Staples Canada has advertised back-to-school supplies to the tune of the “It’s the Most Wonderful Time of the Year,” with parents eager to see their children return to class after a busy summer.

But back-to-school supplies can quickly add up, and parents already feeling the crunch from a rising cost of living may need to strategize how they approach this shopping season. 

More than one in three Canadians, or 36.2 per cent, expect to spend more money this year compared with last when it comes to back-to-school shopping, according to a survey released by Caddle in partnership with the Retail Council of Canada. Just over half think they’ll spend the same as last year and less than 14 per cent said they’ll be spending less.

And the expenses can quickly add up. 

“No matter what you’re paying for when it comes to returning to school, even the smallest of supplies can feel overwhelming for some families, given the rise in inflation and the instability of our current economy,” said Alyssa Davies, founder of the Mixed Up Money website and author of “Financial First Aid.”

“In addition, most of us have seen a steep increase in our groceries and other essentials, so buying new clothing or school supplies for kids can feel overwhelming for some.”

Given how much items in grocery stores have increased over the past six months, it would be hard to believe parents won’t be spending more on school supplies simply because of inflation, she said.

For parents with young children, the costs can add up since parents are often buying everything for the first time, especially if their kids are entering preschool or kindergarten.

“You need to get backpacks, indoor shoes, lunch kits, etc.” Davies said. 

“Although parents with older children may be able to reuse supplies from previous years, technology is the most significant expense I hear parents concerned about. Whether it’s the expectation from the school to have a laptop of some kind or the social pressure from peers, it can stress families out.”

Parents can feel strong pressure to ensure their kids “fit in” and have the same brands, supplies and styles that the other students do, Davies said. 

“Unfortunately, letting comparison dictate your spending habits is never a good way to stay on budget.”

Davies recommends parents consider buying certain items second-hand or reusing older supplies from previous years if there are any left.

“Although your child might have moved past their ‘Paw Patrol’ obsession, it doesn’t mean they can’t use that backpack for one more school year. I also recommend avoiding higher-priced stores as option one and instead hitting the dollar store to see if you can check off the majority of your list first.”

Janet Gray, money coach at Money Coaches Canada, said preparing parents for back-to-school expenses is not that much different than helping them save for holiday shopping.

However, advanced planning is key.

For example, if parents know that each year they’re going to spend $500 per child on back-to-school expenses, Gray recommends they set aside $50 per month 10 months prior so it’s less “pain and strain” on their day-to-day or monthly expenses. 

Gray also advises parents to start their shopping with a pre-determined amount they’re ready to spend on essentials, and maybe allow an additional $50 or so that can go towards wants or upgrading to certain items like a brand name binder, backpack or jeans.

“Try to limit the wants because the wants could never end,” Gray added. And, if your kids are old enough, have a discussion about what’s most important to them, so they can negotiate between their wants and their needs. This might look like keeping an old backpack in favour of a newer, more expensive item of clothing, she said.

You also don’t need to buy everything before school starts, Gray said. If some items can be staggered, you might realize you need less than you thought.

The surveys were conducted in June 2022 using Caddle’s mobile platform and an online panel. According to the polling industry’s generally accepted standards, online surveys cannot be assigned a margin of error because they do not randomly sample the population. 

This report by The Canadian Press was first published Aug. 23, 2022.

Banner image via The Canadian Press