Back-to-school season doesn’t have to break the bank. With a little planning and savvy shopping, you can save big while still gearing up your student for success. Here are six essential ways to keep costs in check this season:
1. Set a Budget & Make a List
Before anything else, decide how much you’re willing to spend—and stick to it. Use your child’s school supply list as your roadmap. This helps avoid impulse buys and keeps your spending focused on what’s truly needed.
Pro Tip: Involve your kids in the budgeting process to teach them money smarts early on.
2. Time Shopping with Tax-Free Holidays
Save even more by shopping during your state’s tax-free weekend, when eligible school items are exempt from sales tax. These holidays are typically in August.
3. Shop Smarter
Sales and coupons are your best friends. Sign up for loyalty programs, download store apps, and check price comparison tools to find the best deals. Don’t sleep on bulk purchases for things like notebooks and pens—especially if you have multiple kids.
Bonus: After the rush, scoop up clearance items for next year.
4. Reuse & Thrift
Before hitting the stores, take inventory. Backpacks, lunchboxes, and even leftover supplies from last year might still be in great shape. Also, thrift stores and online marketplaces can offer great deals on gently used clothes and gear.
5. Swap & Share with Friends
Organize a back-to-school clothing or supply swap with friends, neighbors, or your community. Kids grow fast, and what doesn’t fit one child may be perfect for another. Free = fabulous. Check local organizations for school fairs offering free supplies or services like haircuts too.
6. Prep for the Long Haul
Think beyond just the first day. Plan ahead for extracurricular expenses—sports gear, musical instruments, art supplies—by buying secondhand or borrowing. And if your kiddo brings lunch, prepping meals at home and investing in reusable containers saves big over time.
The Bottom Line
Back-to-school season is a great time to teach your kids about budgeting, planning, and getting creative with what you already have. Use these six steps to spend less—and stress less—this school year.
Category: Financial Literacy & Safety
