As summer winds down, the excitement (and expense) of back-to-school season begins. From notebooks and new clothes to tech upgrades and activity fees, the average family spends hundreds of dollars preparing for a new academic year. According to the National Retail Federation, families with children in elementary through high school plan to spend more than $850 on average for back-to-school shopping.

For families on a budget, this can feel overwhelming, but it doesn’t have to be. With the proper planning and smart shopping strategies, you can set your child up for success without breaking the bank.

Here are some practical and creative tips to help you save money this back-to-school season:

1. Take Inventory Before You Shop

Before heading to the store, raid your closets, drawers, and last year’s backpacks. You may be surprised at what you already have—unused notebooks, perfectly good pencils, or outgrown clothes that can be passed down.

Pro Tip: Create a checklist based on what you find. Knowing what you already have helps prevent unnecessary purchases.

2. Set a Budget—and Stick to It

Establish a realistic spending limit for each child and for each category (e.g., supplies, clothes, tech). This prevents impulse buys and encourages thoughtful spending.

Bonus Tip: Involve older kids in the budgeting process. It’s a great opportunity to teach them financial literacy and decision-making skills.

3. Time Your Shopping Wisely

Retailers often roll out deals in waves. The best time to buy school supplies is typically late July through mid-August, while clothing deals tend to peak closer to Labor Day.

• Shop tax-free weekends (if your state offers them) for extra savings.
• Check clearance racks after the rush—leftover items are often steeply discounted.

4. Shop Sales, Coupons, and Price Match

Compare prices online and in-store, and don’t shy away from using store apps and digital coupons. Many stores offer price matching, so keep your receipts and don’t hesitate to ask.

• Use cash-back and rebate apps like Rakuten, Ibotta, or Honey.
• Follow stores on social media or subscribe to their email newsletters for exclusive coupons and flash deals.

5. Thrift and Secondhand Shopping

Gently used clothing, backpacks, and even supplies can be found at local thrift stores, consignment shops, or online marketplaces like Facebook Marketplace or Poshmark.

Try This: Organize a “back-to-school swap” with neighbors or friends. Trading items your kids have outgrown for things they need can be a fun, cost-effective solution.

6. Buy in Bulk and Split Costs

Consider teaming up with other families to buy frequently used items like pens, paper, and glue in bulk. Splitting costs can lead to significant savings.

Warehouse clubs like Costco and Sam’s Club often offer school staples in bulk sizes at lower per-unit prices. Just be sure you will use everything, or share the extras.

7. Delay Big-Ticket Purchases

If your child needs expensive tech, like a laptop or tablet, don’t feel pressured to buy it right away. Prices often drop after the back-to-school season, especially around Black Friday or Cyber Monday.

Alternative Option: Ask your school if they provide loaner devices or have partnerships that offer discounts to families.

8. Utilize Community Resources

Many local nonprofits, schools, and churches host back-to-school drives that provide free supplies to families in need. Reach out to local organizations or your child’s school to learn about available programs.

Some credit unions and nonprofits also offer budgeting workshops or one-on-one counseling to help you manage seasonal expenses.

9. Pack a Lunch and Plan Ahead

Back-to-school also means back to packing lunches. Buying in bulk, using reusable containers, and planning weekly meals can save hundreds over the school year.

Quick Win: Opt for simple, cost-effective meals like sandwiches, fresh fruits, and homemade snacks. Prepping on Sundays can help save time and money all week long.

10. Get Your Kids Involved

Encourage your children to help find deals, clip coupons, and make cost-conscious decisions. Not only does this ease your burden, but it also teaches valuable money skills that will serve them for life.

Final Thoughts: School Success Starts with Smart Spending

Back-to-school season doesn’t have to strain your finances. With careful planning, creative thinking, and a commitment to sticking to your budget, you can give your child everything they need to thrive, without the stress of overspending. If you’re feeling overwhelmed by school-related expenses or managing other types of debt, our certified credit counselors are here to help. We offer free budgeting assistance, debt management plans, and personalized guidance to help you get back on track. Contact us today to schedule a free session and start the school year feeling confident and in control!

Disclaimer: The information provided is for informational purposes only. The materials are general in nature, are not offered as advice or guarantee, and should not be relied upon without advice from an attorney or a financial advisor. Reading the information does not constitute a legal contract, consulting, or any other relationship with Advantage Credit Counseling Service.