Enjoy Home Credit's back-to-school cash loan promo with just 1 minute processing time! 

The new schoolyear has either started or will start soon for many of our youngsters. Moms such as I want to be on top of things to get my kids ready for what they need in school. There's so much to be done from taking care of the expenses for enrollment in time and getting them their school supplies, to securing the gadgets required  for their school tasks.
Often, fulfilling these responsibilities is easier said than done. For my family, back to school season is probably one of the biggest drain on our finances for the entire year, especially with the limited budget we have to work with on a fixed incomes. This makes thoughtful financial decisions as a family all the more important. Doing so is challenging for most parents, but these expenses are simply a given regardless of how big of a chunk it takes but necessary costs can be dealt with in a smart way.

Here are some smart tips for budgeting to get the most out of what you have that will help you avoid spending more than you have to from our friends at Home Credit, a leading finance company.

Establish a list of school essentials, other important expenses
Prioritize. Establish a list of school essentials, other important expenses
Making a detailed list gives you an idea of the essential must haves your kids have as well as all the fees that need to be paid for getting them in school. It will set your priorities straight, gives you a tangible itemized list you can tick off so as not to miss a single school essential or fee.

Cross check with your children's school supplies from the previous schoolyear before you make your list and determine what items you can still use so not only do you get your money's worth from those items, but it'll save you money by not having to procure items you already have.

Determine your budget
Now that you have a comprehensive list for the back-to-school season, you can start looking over or estimating the costs of everything your kids will need. From there, you can establish a realistic budget based on your financial capabilities. This allows you to better manage your finances and make informed shopping decisions.

You need to sit down and look at what you have and work with it as efficiently as possible. It will give you an idea about where to get supplies and how much you can spend on the needed items. Don't wing it and hope just you'll have enough. Purposefully work within your means or look at your realistic options to secure what you need.

Take advantage of deals, discounts
Sales and discounts can significantly reduce the total cost when you are shopping for supplies. Taking advantage of such offers will allow you to save more money without compromising the quality of the items. At this period, you can also buy in bulk so you will have a stock of school supplies to last the whole academic year, minimizing your kids’ school expenses in the long run. Additionally, this will enable you to stretch your budget further to purchase additional items for your kids or redirect the saved funds to other essential expenses at home.

I actually try to keep an eye out for sales. Another thing I like to do is spread out the burden of the expense by buying items on sale or off season. Buying in bulk is also something we like to do especially with pens, papers, and art materials. They cost so much less when you actually do the math on the items. Buying them everyday in singles from stores daily actually proves to be more expensive.

Additionally, it helps me teach my kids to be good stewards of the supplies and they learn to budget these items too and try to not be so wasteful with some of the items.

But you know what? Sometimes you need a little more wiggle room. Especially with expenses apart from the back to school items and fees being at an all-time high.

Let's say you've prioritized the essentials and checked what you can reuse and what you have on hand and hey maybe you've even taken advantage of sales and maximized your peso power already and the budget just isn't covering everything. As parents we still want to be doing what we can to prepare our kids for school.

Home credit can help you out and you can give your kids with a little more flexibility in making the most out of your budget.

The key to your back-to-school budget!
If you are looking for a convenient and reliable solution for your budget in preparation for the upcoming academic year, Home Credit has you covered, as it offers a back-to-school cash loan promo for its eligible customers until August 31, 2023.

Home Credit eligible customers can enjoy its back-to-school cash loan promo with just 1 minute processing time until August 31, 2023

By visiting the My Home Credit App, you can now easily apply for a cash loan anytime and anywhere. With just one minute of processing time, you can avail a minimum of PHP 3,000 up to PHP 150,000 loan amount to cover your kids’ expenses this season—be it tuition fees, school supplies, and more. You can also enjoy flexible payment options that range from 12 to 60 months and get up to five months of free installments if you are an eligible customer who pays on time.

You are qualified to get this promo if your account is active and in good credit standing during the offer period. You can also enjoy Home Credit's ongoing promotions even after participating in the back-to-school cash loan promo.

Grab this amazing offer while it lasts! Take advantage of Home Credit’s promo to ensure your kids are well-equipped to face the new school year without breaking the bank.

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in the Marketplace.

I hope this gave moms like me ideas on how to make the most out of our back-to-school budget and just how we can make the most of what we have without compromising on what we need to provide and being able to deliver it in flexible terms.

Thanks for dropping by. Well wishes to all the parents and students this coming schoolyear!