How To Save On Kids Clothing

Children’s clothing is often one of the biggest expenses that parents have to plan for and with good reason. Children are growing constantly and the clothes that fit them one week might be too small the next. Then, there are the parents who insist on purchasing designer apparel, gear and expensive sneakers for their little ones.

But when you find yourself looking to save money on your children’s clothing and need additional tips, this list of helpful hints is here to provide the necessary assistance!

Clearance Racks and Coupons

Don’t fall into the trap of buying clothes for your children from the front of the store and paying full price for them. Most stores offer promotional coupon codes that can be shipped directly to your e-mail address, providing you with the heads up you need. There are some pretty great coupons for Nordstrom you can make use of and save a lot. When you do decide to head to the clothing store, be sure to head to the back and sift through the clearance rack. Clothes that were needlessly expensive before are often marked down significantly.

Buy Out Of Season

Planning ahead is crucial. Instead of waiting until the dead of winter to purchase coats, hats, sweaters and the like for your children, purchase these items during the spring and summer, when they are likely to be much, much cheaper. The same goes for your children’s summer items, which can usually be purchased during the winter months at a deep discount.

Teach Them To Share

While you are not going to put your son in a Princess Jasmine shirt or force your daughter to wear a monster truck sweatshirt, your kids can definitely share certain basic clothing necessities with minimal muss and fuss. Products such as boots, jackets and snow pants can be purchased with the intent of being used as community items, as opposed to being the individual property of one child in particular.

Purchase Play Clothes

Do not allow your kids to wear their nice school or church clothes while they are going to be playing outside or horsing around with friends. While buying play clothes might cost a little bit more initially, it will save you major money in the long run, when you are not doling out significant funds to replace torn jeans, busted sneakers and stained shirts.

Hit Up Garage Sales

You may already be familiar with garage sales, as they provide a great place to save money on children’s toys and books. But did you know that there is also a wealth of clothing to be found there, as well? There are sites such as Yard Sale Search that can provide you with information about the upcoming sales in your region, allowing you to get a jump on your competitors and find the best deals as soon as possible.

Small Tips Big Savings


Yes, we have some tips that can help you increase your savings. If you know them, great! But if you don’t know about them, read it and follow it.

Save each month
It is important to have some savings every month. With this, you can cover your family against unexpected, unnatural and unnecessary events. Having said that, your family depends on you. If you are a parent, you are earning and saving money for your family. As a child, one can contribute by using available resources sensibly.

Coupons and promo codes
Well, most of us see coupons online and in newspapers, but we do not collect it, as we do not need it in the current scenario. Don’t do that! You never know when a coupon or a promo code can get you exciting deals on your purchases. So, collect them all.

Make a budget
Well, if you can, make a budget that will help you control the expenses. This way, you can even review your experience and modify your budget for the coming months. Also, it is important to set aside some cash for insurance, tax and other out-of-pocket costs.

Plan vacations in advance
This is important because you can save more if you start planning for them early. Low airfares and cheap hotel rates are two benefits you can reap if you start planning your family vacation in advance. Apart from this, you can buy clothes from reputed stores like Nordstrom at a cheaper rate too. What’s even better? There are Nordstrom coupon codes that can be used for additional discounts.

Shop online
Well, this is true. People do not shop online because they think that shopping online is costly because you have to pay for getting your products shipped. Also, the return policy is twisted.

However, the scenario has changed drastically. Reputed stores like Nordstrom are offering lucrative offers for people shopping online from their store. Apart from this, their policy notes that you get free shipping and free returns on your orders. So, shop online and enjoy exclusive discounts on Nordstrom.

Credit cards
You know this, don’t you? Credit cards are for your convenience if you use it smartly. People use it for luxury items rather than spending it on necessities. Remember, credit cards are a blessing. Don’t use it in a way that it turns out to be a burden on your shoulder.

Timely payments
If you can, be sure that you make your payments on time. Making timely payments, you will save on those unnecessary late fees and interest.

Shop more
Here, we are focusing on purchasing more for the family at one go. For example, if you want clothes, makeup, accessories, toys, etc. purchase it all from a particular store that caters to your need. Purchasing them at one go, you might get additional discounts.

Concluding, these simple tips should help you increase your savings.
If you have an additional tip for the readers, please let us know about it with your valuable comments below.

Credit cards: Good For Your Finances

We’re all looking for ways to save and get wise with our spending these days. So why would using a credit card to spend, transfer and borrow money over a period, be good for our personal finances? If you take some time out to do the math, it’s possible to see the positive impact sensible borrowing can have. Let’s take a look at some reasons why you might need a credit card in your purse…

Cash back

Number one on our list is the cash back reward for paying off your bill each month. Check on one of the comparison sites to get information on credit cards and see which credit card providers offer this feature, and whether they pay out monthly or annually.


On a similar note, some credit cards offer rewards in the form of vouchers. This works by accumulating points with each dollar you spend on your card. Vouchers can usually be ‘purchased’ with a set number of points for a set monetary value.


Another of the great benefits of credit cards comes with those offered by a particular brand. This might be your favorite retailer or airline, for example. With this type of credit card you get discounts on purchases with that brand. Just be sure there are no hidden card purchase charges to reduce the return.

Credit score

Most people would never think that increasing your credit score could be on the list of the advantages of credit cards. But with sensible spending, it’s actually true. Clearly, if you’re the sort of person to run up huge bills across several cards that you can’t pay off, this isn’t going to look too good to those interested in lending you money for a mortgage. But if you’re sensible and your payment history demonstrates that you regularly pay off your bill on time, it’s actually a good way of demonstrating your reliability. Having no credit card can be harmful to your credit score.

Theft and loss protection

Finally, spending with credit cards means you get protection against theft or loss of your wallet. If you carry cash, it’s unlikely you’ll see any of it again. If, on the other hand, you tend to pay with plastic (and you haven’t been fraudulent or negligent) the majority of card providers will cover most of the loss on the card.

Truth About Prepaid Debit Cards

Financial freedom can only occur when you can effectively manage your money. Knowing what you spend, where you spend it, and what you have left is the key to financial success. Many people believe that this can be accomplished by carrying cash and tracking all their receipts. While this method has merits, it is much harder than most anticipate and is often quickly abandoned.

The easiest way to manage your money is by using a prepaid debit card. You load your money onto the debit card and then use it like you would a regular credit card anywhere that you may go. There is no hassle, no pockets full of change, and no little receipts to keep track of each night. You can simply view your balance and know where you stand financially.

Prepaid debit cards can be set up for direct deposit just like a checking account. You do not have to worry about paying check cashing fees or making it to the back on time. You can even have multiple cards issued for the same account, allowing families to remain on budget with their cards.

Prepaid debit cards do not require you to have perfect credit, nor do they charge interest on your purchases. Having a card that does not charge interest on purchases will also help you to remain debt free, another requirement for financial freedom.

Know Before You Owe

Every family has to deal with financial issues. There are emergency expenses as well as regular bills to pay. Most families have debt of some kind. More than 14% of families have credit card debt above 40% of their income. That doesn’t mean we should sign off credit cards though. We just need to be wiser about which credit cards we use and how to pay them off.

One of the most important things to remember is that having a credit card for emergencies is a must. Sometimes savings just doesn’t cut it. We need that cushion to get us through to the next month.

When shopping for a credit card there are a few things you should know before you owe:

Find Low or 0% Interest Offers. Finding a credit card that offers 0% APR for up to a year can allow you to make that necessary emergency purchase without accruing hefty interest while you pay it off. Low or no interest on purchases is great, but if the card also offers it on balance transfers for a year or more it could save you hundreds of dollars (see this site to learn more). Just make sure you keep focused on paying off the debt. Make sure you are also paying attention to the balance transfer fee. If you have a low balance the fee may not be worth the transfer.

Find Out About Product Protection. Some credit cards offer warranty or return protection on certain products you purchase. Looking for a new TV? If you have 0% interest and cash back on your credit card, and it offers a purchase warranty, there is no reason not to charge it. Just remember that you need to pay it off before the interest starts to accrue. The product is then covered under warranty without a cost to you. Before taking this plunge find out exactly what the warranty or return protection covers if there is an issue. Get it in writing for your records at home. Then if there is a problem you only have to pull out the agreement to find out what to do next.

Use Cash Back Bonuses. Credit cards often offer cash back bonuses on certain purchases. These can be fixed items or a rotating list. Be educated about these cash back offers, especially if there is 0% APR on the card. Our credit card offered it for a six month period on purchase made for home improvement and our roof needed replaced. While we had the money in the back to pay for the supplies we used the cash back reward and charged it. When the bill came we paid it off. In return we earned 5% cash back on everything we bought for the project. It came out to more than $100 in our pockets.

If you have credit card debt make sure to follow the tips for eliminating debt as well. These tips, in conjunction with the right credit card offer, can make eliminating debt stress free while also saving you money.

What family couldn’t use a little extra money in the bank?