Seven Smart Tips for Back-to-School Without Breaking the Bank

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Heading back to the classroom can be a financial headache. For many of us, the costs of supplies, clothes, lunches, and fees can pile up quickly. Whether you're stretching every dollar or looking to make smarter spending choices, this guide is full of practical tips and advice to help you navigate back-to-school season without unnecessary stress.

1. Start with a Back-to-School Budget

Before you buy anything, make a list of what your children truly need. Then, set a maximum amount you're able to spend in each category: school supplies, clothing, technology, lunches, and extracurriculars. This small step will help you avoid overspending and prioritize purchases. Remember to check how your back-to-school spending fits into your overall budget. 

2. Review the Supply List Carefully 

Sometimes school supply lists include items that might not be essential or not needed right away. For example, students might be asked to bring both notebooks and binders with loose-leaf paper, but often they'll only need one or the other. If you're unsure, don’t be afraid to email the teacher for clarification. This quick check could save you money and prevent buying something you don’t really need.

3. Reuse, Recycle, and Trade

Check your home for leftover supplies from last year. Many times, backpacks, binders, and clothing still have life in them. If you like thrifting, try Facebook Marketplace or a garage sale nearby. Consider organizing a clothing or supply swap with other families or your church community.

4. Take Advantage of Free Resources

 Looking for back-to-school assistance? Local community centres, food banks, churches, and nonprofits often run backpack drives or provide donated school supplies. Don’t hesitate to reach out; these programs exist to support you, because we’ve all faced tricky moments getting these items gathered up!

5. Shop the Sales

Shop during promotional periods, use coupons, compare flyers, and consider dollar stores or discount retailers. It might take a bit more work, but it can make a big difference.

6. Teach Kids About Money

Back-to-school shopping is a great opportunity to teach children about budgeting. Give them a small amount to manage for their own supplies or lunch items. This builds financial literacy early, helps them feel empowered, and sparks great conversations about how much things cost.

Take Control of Your Back-to-School Budget

Back-to-school season can bring extra pressure— you don’t have to navigate it on your own. — The CAP Money Course is a free, practical budgeting program designed for Canadians who want to take control of their finances, reduce stress, and plan confidently for the future.

Whether you’re feeling overwhelmed or simply looking for better tools, this course is a helpful, encouraging place to start.

Learn more about the CAP Money Course