Home Credit, a consumer finance app, shares ways to ensure families stick to a budget especially during this back-to-school.

As the new school year approaches, parents are getting ready to make sure their kids have a smooth return to school. This means taking care of things like tuition, supplies, uniforms, and more. But all of these costs can put a strain on your finances, especially if you have a fixed monthly income. 

To handle this, it’s important to manage your money wisely. Here are some simple budgeting tips from Home Credit to avoid overspending during the upcoming school year.

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1: Make a List of What You Need. Create a detailed list of what your kids will need for school and the expenses you will have to cover. This helps you prioritize the most essential items and remember everything.

2: Check for Reusable Items. Before finalizing your list, go through the supplies your kids used last year. You might find things that can be reused, which can save you money.

3: Set a Budget Cap. Once you have your list, estimate how much everything will cost. Then, create a budget that fits your finances. This helps you keep track of your spending and make smart choices when shopping.

4: Look for Deals and Discounts. When shopping for supplies, keep an eye out for sales and discounts. Buying items on sale can lower your costs without sacrificing quality. You can also buy in bulk to save money in the long run.

5: Home Credit’s Back-to-School Cash Loan Promo. If you need extra help with your budget, Home Credit has a solution. They offer a cash loan promo for eligible customers until Aug. 31, 2023. With just a quick application through the My Home Credit App, you can get a loan to cover your kids’ expenses. The loan amounts range from P3,000 to P150,000, with flexible payment options. Eligible customers who pay on time can even enjoy free installments.

This promo is available to active and good credit-standing customers. You can also keep benefiting from Home Credit’s ongoing promotions even after using the back-to-school cash loan promo.