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September Is a Good Month to Find Out What Your Kid Actually Uses From That Huge School Supply Haul

September 16, 2026 | Leave a Comment

Sharp Pencils
September is a smart time for parents to check backpacks and homework spaces to see which school supplies children actually use. Saving untouched extras for later can reduce unnecessary purchases and make next year’s back-to-school shopping easier. (Pexels).

By September, the excitement of back-to-school shopping has usually been replaced by something much more useful: evidence.

Those carefully chosen notebooks, colorful pens, giant packs of pencils, folders, binders, highlighters, glue sticks, and elaborate organizers have now had several weeks to prove whether your child actually needs them. Some are already being used daily, while others may not have moved from the bottom of a backpack or bedroom desk since the first day of school.

That matters when families are spending hundreds of dollars getting children ready for class. The 2026 Deloitte Back-to-School Survey found that surveyed parents expected to spend an average of $557 per K–12 student, with total back-to-school spending projected at $30.4 billion.

Instead of treating August’s shopping list as final, use September to conduct a simple school supply audit. The goal isn’t to criticize what you bought—it’s to figure out what your child actually uses so you can stop buying duplicates, make smarter restocking decisions and create a much more accurate list next year.

Start With What Has Actually Been Used

The easiest school supply audit begins with your child’s backpack, desk, locker supplies, and homework area.

Look for evidence rather than asking, “Do you need this?” A notebook with 20 pages of classwork is clearly serving a purpose, while an untouched three-ring binder may tell a different story.

Make four quick categories: used constantly, used occasionally, unopened, and already running out.

You may discover that your middle schooler requested five notebooks in August, but two teachers handle nearly everything digitally. On the other hand, an elementary student who started with six glue sticks may already be asking for more.

Pay attention to what’s disappearing fastest. Those are the supplies worth buying when you see a genuinely good sale because you now have evidence that your household will use them.

Compare the Teacher’s List With September Reality

Supply lists are a starting point, not necessarily a prediction of how every classroom will operate for the next nine months.

Teachers can change assignments, classroom routines may become clearer after the first few weeks, and students sometimes discover that an item they thought they’d use every day isn’t particularly useful.

That’s one reason Consumer Reports recommends asking teachers which supplies are needed immediately and purchasing other items later rather than feeling pressured to buy everything before the first day.

September is the perfect time to revisit that idea.

Pull up the original school or teacher supply list and place it next to what’s actually in your child’s backpack. Mark items as essential, occasionally needed, not used yet, or needs replacement soon.

And before declaring something unnecessary, ask your child whether the teacher has mentioned needing it later. Graph paper, index cards, poster board, and specialty notebooks may be intended for projects or units that haven’t started yet.

Find the Supplies You Already Own Before Buying More

September can also expose one of the easiest ways families waste money on school supplies: buying another package because nobody knows where the first one went.

Before restocking anything, check the backpack, child’s bedroom, homework station, kitchen junk drawer, family office and leftover school-supply bins from previous years.

You might be surprised by how much inventory your house already contains.

If your child says they’re running out of pencils but you discover two unopened 24-count boxes in a closet, you’ve found the next 48 pencils for $0 in additional spending. The same principle applies to loose-leaf paper, pens, erasers, glue sticks, index cards and notebooks.

Consumer Reports has also advised families to take inventory of supplies they already own before purchasing more.

Consider creating one designated school-supply bin at home. When something runs low, everyone knows where to look before another item lands on the shopping list.

Put Unused Supplies in a “Wait” Box

Don’t immediately donate or throw away everything that hasn’t been used by September.

Instead, create a box labeled something like “School Supplies — Use Before Buying More.”

Put unopened notebooks, folders, index cards, extra pencils, markers, and other currently unnecessary items there. If a teacher asks for one of those supplies in November, you already own it.

If the items remain untouched at the end of the school year, move them directly into next year’s supply inventory.

This approach also prevents unused supplies from becoming invisible clutter scattered across multiple drawers and closets. A $3 notebook doesn’t seem financially important by itself, but ten or twenty small duplicate purchases across a school year can quietly add to the family’s education budget.

Look at What Broke, Not Just What Was Used

A September audit should also answer another question: Did the cheapest version actually save money?

Suppose you bought a $4 binder that already has a broken ring or a bargain backpack with a failing zipper. Replacing an inexpensive product multiple times can eventually cost more than buying one durable version.

On the other hand, you may discover that the premium organizer, specialty pencil case or expensive mechanical pencils weren’t necessary at all.

That’s why the audit isn’t simply about buying cheaper products. It’s about identifying where paying more improved durability and where paying more added nothing your child actually needed.

That distinction can make next year’s shopping much smarter.

Give Your Child a Role in the Audit

This can also become a simple money lesson instead of another household chore handled entirely by a parent.

Ask your child to sort supplies into three categories: I use this a lot, I sometimes use this, and I haven’t used this yet.

Then ask one more question: “If we were buying school supplies again tomorrow, which of these would you still ask me to buy?”

That question can be surprisingly revealing.

Older children and teenagers can go a step further. Show them what several of those items cost and ask whether they’d spend the same amount again now that they’ve used—or ignored—the products for several weeks.

Keep the conversation neutral. The point isn’t to make a child feel guilty because the $8 planner you bought hasn’t been opened. You’re helping them connect purchasing decisions with actual value, which is a financial skill they’ll eventually need when spending their own money.

Families Are Already Looking Harder for Value

This exercise fits with the way many parents approached the 2026 back-to-school season.

Deloitte found that 31% of surveyed K–12 parents used four or more cost-saving behaviors, while inflation-adjusted planned family spending was down 6% from the previous year. Interestingly, those highly value-conscious parents weren’t necessarily the lowest spenders; Deloitte found they planned to spend about 14% more than other shoppers, suggesting that value shopping can mean spending selectively rather than simply buying the cheapest possible products.

The National Retail Federation similarly reported that families were using discounts, promotions and secondhand products to stretch back-to-school budgets as classes began.

Price pressure was clearly on parents’ minds. Earlier in the season, NRF found that 78% of back-to-school shoppers expected higher prices, and roughly one-third said they typically plan their shopping around summer sales.

That makes September’s audit useful for more than organizing the desk. Knowing exactly which products your child burns through gives you a much better idea of which clearance items or future promotions are actually worth buying.

Turn September Into Your Restocking Baseline

Once you’ve finished the audit, make a short list with three headings:

  • Buy again when needed: Pencils, glue sticks, paper or anything your child is clearly consuming.
  • Already have extras: Items sitting unopened in your supply box.
  • Don’t automatically buy next year: Products that sounded essential in August but aren’t being used.

Save that list somewhere you’ll actually find it next summer—your phone’s notes app, family budgeting spreadsheet or calendar reminder works better than a piece of paper destined for a drawer.

You can even record quantities. If your child goes through roughly one glue stick every three weeks but uses only one notebook all semester, next August’s shopping list becomes much easier to estimate.

September Can Make Next August Cheaper

The biggest advantage of a September school supply audit isn’t necessarily what you save this month. It’s the information you carry into the rest of the school year and eventually into next summer.

Before the school year started, you were shopping largely from a list and making educated guesses about what your child would use. Now you have several weeks of real-world evidence.

Use it to restock genuine essentials, keep useful extras organized, skip unnecessary duplicates and recognize when paying a little more for durability might actually save money.

With surveyed parents expecting to spend $557 per K–12 student this year, even trimming a few unnecessary purchases matters. More importantly, you’re replacing the annual habit of “buy everything just in case” with a much simpler rule: buy based on what your child actually uses.

What school supply did you buy this year that your child has barely touched—and will it change what you put in the cart next August? Share your experience in the comments.

What to Read Next

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Teachers Beg Parents: Stop Buying These 7 Expensive School Supplies

Evan Morgan

Evan Morgan has been a full-time freelance writer and editor for 10+ years. When not working, he enjoys catching the latest true crime documentary or getting lost in a good book.

Filed Under: Parenting Tagged With: Back to School, education, Family Budget, household budgeting, Kids, Parenting, Saving Money, school shopping, school supplies, September

7 School Lunch Payment Fees Quietly Raising Parents’ Costs

July 31, 2026 | Leave a Comment

Kids Eating Lunch
A parent should review a school lunch payment app while comparing deposit options, highlighting how transaction fees can quietly increase back-to-school costs. Understanding local payment policies may help families reduce unnecessary expenses. (Pexels).

Back-to-school shopping isn’t the only expense catching families off guard. Across the country, some parents are discovering that simply adding money to a child’s cafeteria account can come with extra costs that slowly add up over the school year. While many districts offer free ways to pay for school meals, others rely on third-party payment platforms that may charge convenience or processing fees for certain payment methods. Because policies vary by district, understanding these school lunch payment fees can help parents avoid unnecessary expenses and stretch their education budget further.

1. Convenience Fees for Online Deposits

Many school districts partner with third-party payment companies that allow parents to fund lunch accounts online or through mobile apps. Some platforms charge a flat convenience fee each time money is added, regardless of the deposit amount. The Consumer Financial Protection Bureau found average transaction fees of about $2.37, or roughly 4.4% of a deposit, in many districts it reviewed, though fees differ by provider and district. A parent making small weekly deposits could spend noticeably more over an entire school year than someone making fewer, larger deposits. Not every district passes these costs to families, so checking local payment policies is worthwhile.

2. Small Deposits Can Mean Bigger Annual Costs

Families often add $10 or $20 at a time because that fits their weekly budget. Unfortunately, when a flat fee applies to every transaction, frequent deposits can increase total costs. The CFPB estimated that parents making biweekly online deposits could pay more than $40 in fees over a school year, while those making only a few larger deposits would pay far less. These examples are estimates rather than guarantees, since every district operates differently. If your budget allows, fewer deposits may reduce the impact of school lunch payment fees.

3. Credit and Debit Card Processing Charges

Some payment platforms apply fees only when parents use a credit or debit card. Others may waive fees for electronic bank transfers or have different pricing structures depending on the payment method selected. Before completing a transaction, it is worth reviewing all available payment options on the platform. Even a quick glance at the payment screen can reveal a lower-cost alternative. Spending an extra minute comparing methods may save money throughout the school year.

4. Refund Fees or Balance Policies

When a student changes schools or graduates, families sometimes request a refund of unused lunch account balances. Depending on district policy or the payment processor, refunds may take time or involve administrative requirements. Some districts encourage families to transfer remaining balances to another student or leave funds for future use instead of requesting a refund. Since these policies vary widely, parents should review their district’s nutrition services information before making assumptions. Knowing the rules early helps avoid surprises later.

5. Automatic Reload Features

Many online payment systems offer automatic account reloading whenever a balance falls below a certain amount. While convenient, each automatic reload could trigger another processing fee if the platform charges per transaction. Parents who do not review these settings may unknowingly pay multiple fees throughout the semester. Checking account preferences once or twice a year can help ensure automatic payments still fit the family’s budget and spending habits. A larger reload amount may reduce estimated annual fees, but families should avoid depositing more than they can comfortably leave in the account.

6. Limited Awareness of Free Payment Options

Schools participating in the National School Lunch Program are expected to provide families with a fee-free way to add money to meal accounts. However, those options are not always the most visible or convenient, especially if online payment portals are promoted more prominently. In many districts, paying by cash, check, or another approved method may avoid transaction charges entirely. Families should remember that not every school charges online fees, and many districts absorb these costs on behalf of parents. Asking the school nutrition office about available payment methods can uncover options that save money.

7. Fees That Seem Small but Add Up

A single $2 fee may not seem significant during a busy school week. Over several months, however, repeated charges can quietly increase a family’s annual education expenses, especially for households with multiple children. Between school meals, activity fees, and other back-to-school costs, even modest savings can make a meaningful difference. Reviewing payment habits once each semester is a practical way to keep school lunch payment fees under control without making major lifestyle changes. A few small adjustments today could leave more room in the family budget tomorrow.

A Smarter Way to Manage School Lunch Costs

The convenience of online lunch payments has made life easier for millions of parents, but convenience sometimes comes at a price. Since every school district handles payment systems differently, families should review local policies before assuming every online deposit carries a fee. Looking for fee-free payment methods, making fewer deposits when practical, and understanding refund and reload policies can help reduce unnecessary costs. Staying informed is one of the easiest ways to protect your household budget while ensuring children have reliable access to school meals.

What strategies have helped you save money on school-related expenses, and should districts do more to make fee-free options easier to find? Share your experience or tips in the comments to help other parents navigate school lunch payment fees more confidently.

What to Read Next

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Evan Morgan

Evan Morgan has been a full-time freelance writer and editor for 10+ years. When not working, he enjoys catching the latest true crime documentary or getting lost in a good book.

Filed Under: Parenting Tagged With: Back to School, education costs, Family Budget, household budgeting, Parenting, personal finance, Saving Money, school lunch payment fees, school lunches, School Nutrition

10 Subscription Boxes That Promise Growth but Cost More Than You Think

December 23, 2025 | Leave a Comment

10 Subscription Boxes That Promise Growth but Cost More Than You Think
Image source: shutterstock.com

It’s easy to get sold on the idea that one monthly delivery will fix everything: more reading, more creativity, more confidence, less screen time. These boxes look like a neat shortcut, especially when parents are juggling work, school emails, and the endless “what do we do now?” question. The catch is that many options that promise growth also quietly add costs that don’t show up in the first promo price. Some of those costs are financial, and some are time, clutter, and stress that lands right back on the parent. Here are 10 common box types to watch closely, plus simple ways to keep your budget from getting surprised.

1. The “STEM Experiment” Boxes With One-Time Tools

These kits can look like a great learning boost, but supplies often run out fast. Parents end up buying refills like vinegar, batteries, goggles, or extra containers. Some boxes include fragile parts that break after one use, which turns “science time” into a replacement shopping trip. If a child loves it, the monthly price can become the smaller part of the total. Before subscribing, check whether each activity needs extras and price those add-ons.

2. The Book Boxes That Create a Book-Pile Budget

A monthly book delivery can be fun, but it adds up quickly if a child’s interests shift. Many families already pay for books through school fairs, classroom wish lists, and library holds. When the box overlaps with what a parent would have bought anyway, the “new value” shrinks. The cost also includes storage, because books don’t disappear when the month ends. A smart compromise is rotating library stacks first, then subscribing only for truly special picks.

3. The Arts-and-Crafts Boxes That Multiply Mess and Rebuys

Craft kits can be calming for kids, but they often generate leftover supplies that don’t match anything else. A parent may need to buy better glue, paint brushes, or extra paper to finish projects cleanly. Glitter, beads, and tiny pieces also create ongoing cleanup time that doesn’t come with the box. That hidden labor matters, especially on busy weeknights. If a kit is meant to promise growth, make sure it also fits the time a family actually has.

4. Promise Growth Boxes That Push “Optional” Upgrades

Some subscriptions lure families in with a low intro price, then layer on add-ons for the “real” experience. Parents see offers for bonus packs, premium materials, extra lessons, or “limited edition” upgrades. Kids often feel the pressure because the upgrades are marketed as the most exciting part. Over time, the base box becomes the starting line, not the full product. If the box seems designed to promise growth through upsells, it can be better to buy a single kit at retail instead.

5. The Sensory Play Boxes That Require Constant Refills

Sensory kits can be a lifesaver for quiet play, but many rely on consumables like sand, putty, slime, or foam. Those materials dry out, get contaminated, or end up in the vacuum within days. Parents also end up buying bins, mats, and storage systems to keep the mess contained. The box price rarely includes the “home setup” costs that make sensory play manageable. If a family loves sensory activities, buying bulk materials locally can be cheaper than monthly deliveries.

6. The Cooking Boxes That Don’t Cover the Grocery Reality

Kid-friendly cooking kits can teach skills, but they often require fresh ingredients that a parent supplies. That means extra grocery runs, missing items at dinnertime, and more waste if the recipe flops. Some also require special tools like kid-safe knives, baking sheets, or measuring sets. The hidden cost becomes the parent’s planning time, not just the receipt total. To keep it affordable, choose boxes that use pantry basics a family already keeps.

7. The “Confidence and Mindset” Boxes With Ongoing Extras

Boxes built around feelings, journaling, or “self-esteem boosts” can be thoughtful, but they often include memberships or digital content. Parents may find paywalled audio tracks, app access fees, or recommended companion products. The messaging can also create pressure to keep subscribing so a child “stays on track.” A family might spend a lot without seeing clear results, especially if the child needs personalized support. When a box claims to promise growth emotionally, consider whether a school counselor, library books, or local groups offer more value.

8. The Coding Boxes That Require Screens and Subscriptions Anyway

Coding kits can be great, but many still rely on tablets, laptops, or online portals. Some require a monthly software membership or a specific device compatibility that isn’t obvious at checkout. If the program is glitchy, a parent becomes tech support, which adds stress on top of cost. Kids may also lose interest if the learning curve feels steep without live help. It’s often cheaper to start with free beginner platforms, then pay only when a child sticks with it.

9. The “Little Explorer” Boxes That Add Hidden Travel Spending

Nature or adventure-themed boxes can inspire curiosity, but they often suggest outings to complete the activities. Families might feel nudged toward museums, classes, trail gear, or weekend trips to make the box “worth it.” That turns a subscription into a lifestyle expense that’s bigger than the monthly fee. Parents also spend time coordinating schedules, transportation, and weather-friendly plans. If the goal is to promise growth through experiences, pick boxes that work at home without extra spending.

10. The Boxes That Are Hard to Cancel and Easy to Forget

Some subscriptions bury the cancellation steps or require a specific window to stop billing. Parents can miss that window during busy seasons and pay for months they don’t use. Others ship automatically even if a child has aged out of the content level. The longer a family pays, the harder it feels to quit, because nobody wants to admit it didn’t work. Before buying, check cancellation rules, email reminders, and whether you can pause easily.

The Real “Growth” Is Spending With Eyes Open

Subscriptions can be fun, and some truly help families build better routines. The key is separating the marketing story from the real total cost in money, time, space, and stress. When a box is a good fit, it supports family life instead of taking it over. When it’s not, it quietly drains the budget while everyone feels guilty about “not using it enough.” A plan that protects your budget is also a plan that protects your energy.

Which subscription box tempted your family the most, and what hidden costs showed up after the first month?

What to Read Next…

9 Parenting Trends That Are Quietly Harming Emotional Growth

The Best Ways to Encourage a Growth Mindset in Children

How Much Are You Really Paying for Developmental Toys?

Why Teaching Kids to Donate After the Holidays Can Save Money and Build Gratitude

Brain Drain: 7 Everyday Habits Hurting Your Child’s Brain Development

Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Money and Finances Tagged With: clutter control, family spending, frugal parenting, household budgeting, kids activities, kids learning, money-saving tips, parenting budget, screen-free ideas, subscription boxes

Family Budgeting Nightmares: 7 Secrets Exposed That Will Change Your Financial Future!

June 16, 2025 | Leave a Comment

Family Budgeting Nightmares 7 Secrets Exposed That Will Change Your Financial Future
123rf.com

Trying to stretch a paycheck across groceries, daycare, bills, and unexpected expenses can feel like starring in a horror film—only the villain is your bank balance. Family budgeting nightmares are more common than you think, and many of them come from hidden traps and habits that quietly drain your resources. The good news? They’re fixable. By uncovering the real reasons your budget might be breaking down, you can stop living paycheck to paycheck and start building a financial future you actually feel good about. These seven truths might be hard to hear, but they’re exactly what you need to change your money story.

1. You’re Guessing Instead of Tracking

One of the most overlooked family budgeting nightmares is not actually knowing where your money goes. It’s easy to assume you’re “doing okay” based on how much is left in your account at the end of the month, but that method leaves huge gaps. Small purchases like coffee runs or extra streaming services add up fast. Without tracking every dollar, it’s nearly impossible to create an accurate or effective budget. Use an app or even a notebook to log spending for at least a month and watch the clarity come rolling in.

2. Budgeting Without a Buffer Is Asking for Trouble

If your budget doesn’t include wiggle room for the unexpected, you’re setting yourself up for stress. Car repairs, last-minute school fundraisers, and medicine for a surprise illness aren’t luxuries—they’re life. When every dollar is already assigned, those moments push you straight into credit card territory. Aim to build a small emergency fund, even if you start with just $20 a paycheck. That buffer turns financial panic into a manageable detour.

3. You’re Underestimating the Power of Small Cuts

People often think fixing a budget means slashing the biggest expenses, like moving or changing jobs. But some of the best improvements come from trimming smaller areas first. Cutting a few takeout meals or scaling back on brand-name groceries can free up more money than you realize. These changes are less painful and more sustainable than the dramatic ones. Over time, those little cuts grow into big savings.

4. Your Goals Aren’t Driving the Budget

A lot of families make the mistake of budgeting without any long-term goals attached. When you don’t know what you’re working toward, it’s hard to stay motivated. Saving for a vacation, paying off debt, or planning for a future home gives your budget purpose. Tie your budget to something meaningful and suddenly those small sacrifices feel worth it. A budget without a goal is just a list of restrictions.

5. Credit Cards Are Quietly Sabotaging Your Progress

Credit cards can be helpful tools—but they’re also one of the sneakiest contributors to family budgeting nightmares. Interest fees and impulse spending make it hard to stay within budget, especially when cards are used to “fill the gap” every month. If you’re relying on credit to make ends meet, it’s time to reassess. Consider a temporary freeze on card use while you work on rebalancing your expenses.

6. Budget Meetings Are Rare or Nonexistent

If only one person handles the budget, it’s easy for misunderstandings and resentment to grow. Regular budget check-ins with your partner or family—even if they’re short and sweet—build transparency and accountability. Everyone should understand the financial goals and the reasoning behind certain spending limits. It also helps kids develop money smarts when age-appropriate conversations are included. A united front makes sticking to a plan far easier.

7. You’re Ignoring Seasonal Spending

From back-to-school costs to holiday gifts, seasonal spending is often left out of monthly budgets. Then it hits like a freight train and wipes out all your progress. Anticipating these expenses and setting aside a little throughout the year removes the surprise. Some families even create “sinking funds” for categories like birthdays, school clothes, and car maintenance. Preparing for the predictable makes budgeting feel less like a trap and more like a tool.

Take Back Control and Reclaim Your Budget

The worst part of family budgeting nightmares is the feeling that you’re doing your best and still falling behind. But by recognizing what’s really going wrong, you can take back control—one smart decision at a time. Budgeting isn’t about perfection. It’s about planning for reality, adjusting when needed, and staying connected to your goals. Don’t be afraid to shine a light on the scary parts. That’s where your power starts.

Which budgeting secret surprised you the most? Share your own money wins (or learning moments!) with us in the comments!

Read More:

7 Expenses That Are Quietly Wrecking Your Family Budget

10 Effective Tips to Build a Budget for You and Your Family

Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Budgeting Tagged With: budgeting for parents, Emergency Fund, family budgeting nightmares, family finance tips, family financial planning, household budgeting, money management, Saving Money, smart spending

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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