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Financial Tip

If your child has a handle on using cash responsibly, get a debit card or a secured credit card with a low limit. Then pay the bill together.

Digging for Deals - Have You Explored Dollar Stores Lately?

Some call it the "dollar-store economy." Others call it "the new consumerism." Still others call it a national trend toward belt-tightening or "deleveraging." Whatever you call it, the popularity of shopping at dollar-stores continues to increase in today's economy.

Dollar stores are no longer just serving their loyal customer base of do-it-yourselfers and those with a modest income. Today they are enjoying an influx of new customers, including more affluent households, which are turning to the stores during this time of "financial anxiety."

It should be no surprise that dollar stores have gained in popularity as consumers become more frugal and aware of their spending. According to the U.S. Bureau of Labor Statistics, the average annual expenditures per consumer fell in 2010 for the second consecutive year. Instead of spending, consumers appear to be reducing their personal debt by paying off bills, putting away their credit cards and accelerating their mortgage payments.

So how have dollar stores gained traction and snagged the attention of such a broad - and expanding - customer base? Think back to the popularity of the "dime stores" from 40- to 50-years ago. Dollar stores are price-point retailers that can, and do, sell things for less. Typical product lines include cooking and kitchen supplies, organizational supplies, home decor, novelties, toys, personal hygiene products and holiday decorations.

Dollar stores are able to sell merchandise less expensively than other stores thanks to their lower rents, no frills structure and lean employee base. In addition, the products - often generic or private label - may be specially manufactured overseas using less expensive ingredients. Occasionally some of the products will also be name-brand close-outs or discontinued merchandise.

Another big plus for dollar stores is their convenient locations. They are often found in strip malls that offer easy access for a quick shopping trip. Where customers may shop big-box stores for the bulk of their necessities, they are more frequently turning to dollar stores to fill in the gaps.

It should be no surprise then that Dollar General plans to open 625 new stores within the next year and that Family Dollar plans to open 300 new stores.

As you consider whether to make dollar stores part of your shopping routine, be sure you're getting your money's worth. Do some research to make certain the quality of what your buy is worth what you pay.

Teachable Moments

Have your kids list five things your family purchases on a regular basis, for example shampoo, laundry soap and bleach. On your next trip to your local grocery store, make a note of how much those products cost. Then check out similar products at a nearby dollar-store. Calculate the amount you would save on a single purchase, then multiply that to understand the savings you could see over the course of a year. The savings might surprise you!