Hola amigos de vivir con sabiduría punto uno, bienvenidos a su programa de economía para todos, un espacio dedicado a dialogar sobre el manejo de recursos financieros y como ello influye en la prosperidad personal y familiar.
En el programa de hoy nos enfocaremos en el inicio del año escolar y las implicaciones financieras que esto representa. Es una tradición que después de un merecido descanso, los niños inicien clases con todo un grupo de elementos nuevos que son requeridos por las instituciones de educación y que representan gastos importantes para la economía del hogar.
Uniformes, zapatos, meriendas, matrícula y la ruta, son algunas de las palabras que preocupan a los padres al inicio de la temporada escolar. Hoy les presento algunas sugerencias que brinda la asobancaria en Colombia al momento de realizar las compras escolares y su programa de educación financiera “saber más ser”,. Le aseguramos que siguiendo nuestros consejos la visita a la papelería no se convierta en un viacrucis:
Inicialmente, revise en su casa los útiles escolares del año pasado y deja todos los objetos que aun sirven; y que puedes Reciclar, tales como colores, lápices, esferos, reglas, carpetas y hojas en blanco pueden ser nuevamente aprovechados.
Posteriormente haz un listado con lo que se va a comprar, siempre teniendo en cuenta lo que es realmente necesario y así se puede definir un presupuesto ideal.
Cuando estés en el comercio recuerda Comparar precios ya que en esta temporada es muy común que en algunos lugares los precios aumenten, por eso es importante buscar, caminar y comparar, para encontrar no solo buenos precios sino promociones y descuentos. compre utensilios duraderos, que, si bien en ocasiones son más costosos, estos mismos solo requerirán de una inversión. Bolsos de buena calidad, carpetas e incluso equipos de computación a la vanguardia, son algunos útiles que deben ser tomados como inversión. Priorice sus compras y averigüe en el colegio cuáles serán los artículos que se van a utilizar en el primer semestre y, con base en esa priorización, haga una lista y acójase a ella en su totalidad.
Una cosa importante “No dejes todo para la último”, fíjese un plazo para comprar, con eso tendrá la paciencia necesaria para ir en la búsqueda de los mejores útiles escolares y no cometerás errores al momento de tomar malas decisiones en calidad y precio.
Otra opción interesante es Comprar con otros padres, Esta es una muy buena alternativa, pues al reunirse con más padres de familia pueden obtener mayor información y útiles que en cantidad se benefician con descuentos.
Recuerde hablar con sus hijos sobre la importancia del cuidado de los útiles escolares, premiarlo por su responsabilidad en el estudio y con sus cosas es una excelente opción para mantener todo en orden. También puede conocer nuestro artículo sobre inculcar el ahorro en sus hijos.
Por otro lado, es importante tener en cuenta que la ley protege a los padres de familia de algunos abusos que pueden cometer los colegios e instituciones de educación pidiendo “útiles inútiles” que no aportan a la formación del niño tales como papel membretado de la institución o implementos de aseo general o marcas y compras de libros en lugares específicos. En caso de dudas sobre lo que piden, es clave investigarlas y resolverlas con la Secretaría de Educación de su ciudad y de la Defensoría del Pueblo. Por ley, los colegios no pueden obligar a la compra de todo lo que se incluye en la lista de útiles y, además, lo que adquieran los padres puede ser administrado en casa y no es obligación entregarlo a la institución educativa.
Así mismo, bajo ningún motivo les pueden exigir marcas o proveedores exclusivos.
“Después de revisar qué solicitan los colegios para el regreso a clase de los estudiantes y de tener claro qué artículos vamos a adquirir, lo más adecuado es plantear la estrategia que tendremos para ahorrar y proteger la economía del hogar. Lo primordial es contar con un presupueto y apegarnos a este”,
– Así mismo, busque opciones, puesto que en algunas ciudades hay sitios en los que se pueden vender los libros que los colegios solicitaron en años anteriores y adquirir los que piden actualmente en la lista, por una diferencia de precio.
Bien amigos, esto es todo por hoy. espero que, a la hora de comprar, recuerden estas recomendaciones y que saquen el mejor provecho de su dinero. Chao (Contadora Pública Pilar Rodriguez)
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