The back-to-school season comes fast—and it can hit your budget even faster. Between school supplies, new clothes, and technology, the costs add up before you even step foot on campus.
But with a smart plan and a few key strategies, you can save big without sacrificing quality. Here’s how to tackle the shopping list and keep more money in your pocket.
Make a List and Stick to It
Before you buy anything, check what you already have. Leftover notebooks, unused pencils, or last year’s backpack might still work just fine.
Then make a list of only what’s needed. Many schools post supply lists online, so use that as your guide. A written list helps you avoid extras like themed folders, new pens you don’t need, or trendy gadgets that cost more than they’re worth.
Stick to the list. That one step alone can save you more than you think.
Shop the Sales—But Time It Right
Back-to-school sales begin in July and can last through early September. But the best deals often come in waves.
- Late July to mid-August is great for basic supplies like notebooks, crayons, and glue.
- Mid to late August is better for clothing and shoes as stores clear out stock.
- Early September is when you’ll find markdowns on leftover tech and accessories.
Sign up for store newsletters to get alerts. Use store apps and digital coupons. And watch for price-matching policies that let you get the best deal without running all over town.
Consider Dollar Stores and Big-Box Basics
For basic school supplies, don’t overlook dollar stores. You can get folders, pencils, paper, and scissors for a fraction of what you’d pay elsewhere.
Big-box stores also offer low prices, especially on store-brand items. You don’t need name-brand glue sticks or notebooks for your child to succeed in class.
Buy in bulk if you have multiple kids or can split the cost with another family. Larger packs of pens, highlighters, and paper are often cheaper per item.
Save on Clothes with a Plan
Back-to-school clothing is one of the biggest expenses—but it doesn’t have to be.
Start by doing a closet clean-out. See what still fits, what can be repaired, and what can be passed down or donated. Then make a short list of essentials: jeans, shoes, shirts, and outerwear.
Shop sales tax holidays if your state offers them. These usually take place in late summer and let you skip sales tax on clothes, shoes, and supplies.
For more savings:
- Shop clearance racks and out-of-season items
- Use store loyalty points or rewards
- Hit secondhand stores or resale apps for brand-name pieces at lower prices
Buy Tech with a Purpose
Laptops, calculators, and headphones are often part of today’s supply list. But tech can get expensive fast, so don’t buy more than what’s needed.
If your school recommends a certain device, look for student discounts. Major retailers and brands like Apple, Dell, HP, and Microsoft offer deals for students and teachers.
Don’t forget to:
- Check if the school offers loaner devices
- Ask about free software through the school (like Microsoft Office or Google Workspace)
- Skip extended warranties unless the device is expensive or hard to replace
Stick with trusted brands and be cautious with no-name products that may fail quickly.
Use Cashback and Rewards Programs
If you’re shopping online, use cashback websites or apps to earn money back on your purchases. Programs like Rakuten or store loyalty programs give you a percentage of your total back in rewards or savings.
Also, check your credit card for bonus categories. Some cards offer extra cashback on back-to-school purchases, especially in late summer.
Even saving five to ten percent can make a difference when you’re buying multiple items.
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Split the Cost Over Time
If a big shopping trip feels overwhelming, spread it out. Focus on the essentials first—like supplies and a couple of outfits. Then shop for fall clothes or bigger items like laptops later when more sales hit.
This method also gives you time to watch for better deals, avoid impulse buys, and reduce stress.
Get the Kids Involved
Letting kids help with the list or compare prices teaches good habits early. Give them a budget for their clothes or supplies and let them decide how to spend it.
This not only makes them feel part of the process but also helps them understand how to stretch a dollar—something they’ll carry with them into adulthood.
Back-to-school shopping doesn’t have to break the bank. With the right plan, you can cover supplies, tech, and clothes without overspending.
Make a list, shop smart, and time your purchases around sales. Use the tools available to you—apps, coupons, rewards—and involve your kids when you can.
Start early, stay focused, and remember: it’s not about buying the most, it’s about buying what works best for your budget and your family.
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