Michael A. Milazzo, CLU, ChFC

Registered Principal

The Meridian Financial Company

90 Lawrence Avenue, Suite 4, Smithtown, NY 11787

Phone:  631-979-4223

Fax: 631-656-8199 

Email: meridian@ae.cadaretgrant.com

Website: www.merfinco.com

July/August 2018

Back to School

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Before you know it, summer will end and the kids will head to school. Parents know this is a costly exercise. So does the National Retail Federation, which estimates back to school spending at more than $83 billion in 2017.

So, before you start shopping for school clothes and supplies, consider making a plan to keep costs reasonable.

Keep to a Budget
To spend only what you need to spend, you should not only create a budget, but stick to it. That’s easier said than done, when children beg publicly for the latest trendy item.

Name the “Must-Have”
So you don’t come off as Scrooge, allow each child one “must-have” item for the new school year — within guidelines — such as a backpack or clothing item, as opposed to a new smartphone.

More is Less
School supplies like pencils, pens and paper can seemingly disappear into a black hole during the school year. So why not shop for these and other often-used items in quantity to save money?

Shop Early
You don’t buy snow blowers after the first snowfall or lawn mowers as spring arrives because they cost more during these peak times. The same goes for buying school supplies and clothes. Shop before or after the peak buying time to reap savings.

Buy Used
Whether you’re looking for college textbooks or paperback books for a high school English class, buying
used will save you a few dollars. Some college textbooks can be rented online or borrowed from the library.


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Michael A. Milazzo is a Registered Representative of and offers securities through Cadaret, Grant & Co, Inc, a member of FINRA and SIPC. The Meridian Financial Company and Cadaret, Grant are separate entities. I am registered to sell Securities in the following States: NY, PA, NC, FL, CO, ID.
The Meridian Financial Company and LTM Client Marketing, Inc. are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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