Q The new school year is just around the corner, and I have two kids in middle school and one in college, and I always dread this time of year. I don’t want to cram everything on my credit card, but I’m not sure I can cover all the expenses.

a The back-to-school allowance has been increased this year, so you should check to see if you qualify. According to Kevin Johnson, CEO of the Credit Union Development Association (CUDA), it helps. We also need to assess other available state assistance, such as tuition tax relief, medical tax relief and other tax relief many Irish households are entitled to but many do not claim. Apart from that, you can save your money – buy everything, Mr Johnson said. We recognize that there is a need for new products, and we have launched products to address this. If your child has a sibling, cousin, or friend in school a year or two away, it’s a good idea to talk to their parents about buying second-hand goods at a low price. If so, make sure you deal with a reputable provider and get the best value. Personal loans from credit unions, for example, charge much lower interest rates than credit cards, he said. .

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