When your child starts school it is likely that you will have to buy a lot of new things. Uniform can tend to be the most expensive but you may also have to buy bags, stationery, pay for transport and things like this and that can all add up to being really expensive. It means that you may even consider taking out a loan to cover the cost of school uniform.
It is worth waiting though and thinking first as to whether there are any other options. Many schools have second hand uniform available for sale so check with the school first. These items are likely to be being sold at a much lower cost and this could allow you to be able to afford the uniform without worrying about the cost. You may also find uniform items available for sale on local social media groups or even in local shops that sell second hand clothing. Primary schools in the UK also cannot legally force children to wear uniform so you could send them in in something which is similar to the uniform but not quite right, if that is all you can afford. It could be worth explaining this to the teacher though so the child does not get reprimanded. Lastly there are hardship funds for parents that are not that well off and it is possible to get vouchers towards the cost of school uniform if you qualify. The school may also have details about this. In secondary school the school can enforce a uniform rule, which is why the vouchers only apply in secondary school. The uniform is also likely to be a lot dearer and you will need more of it as you will need a PE kit which may contain trainers and football/rugby/hockey boots as well as shorts/skirts and tops as well as a main uniform which may include an expensive blazer. It is therefore likely that one primary uniform could cost around £60 whereas a cheap secondary school uniform will cost hundreds.
The best way to manage this cost is to save up for it. You will know when your child is going to secondary school and even if you do not know which school they are going to and therefore how much the uniform will cost, you can still start putting some money away towards the cost of it. This should help you to afford it when you do need to buy it. Remember, that if you do this, you will need to continue to do it as they will grow out of uniform during their time at the school. You could, however, sell the uniform they grow out of to raise some money towards new uniform.
If it is too late to save up or you just do not think that you will save enough then a loan, such as the ones offered on paydayloansonline.com, may be the only option available to you. If you do decide to have one then make sure that it is not too expensive. You should be able to compare the costs of different types of loans to see which one will be the cheapest for you. Make sure that you look at the total cost, rather than just the interest rate. This is because some loans have fees as well as interest and the interest rate only determines how much interest you pay monthly, but if you borrow the money over a very long time period it will add up to a lot compared with paying it off more quickly. Therefore calculate the total cost of the loan and compare that. Make sure that you do not borrow more than you need so that you can make the repayments more easily. Also take a look at how much the monthly repayments will be and make sure that you will have enough money to cover them. If you do not think that you will, then think about a way to make sure that you can. You may need to think of ways to earn more money or to spend less so that you have enough to cover those loan repayments.
So whether you get the loan should be a big decision. You need to consider whether you really need it and if there might be other ways that you can make the uniform more affordable. Then you need to think about whichloan will be the best with regards to the total cost as well the amount that you can borrow. Then consider whether you can afford those loan repayments and if not, how you will change your earning or spending habits in order that you can.