Education
07.11.2025 By Amy Miller, AFC®

Get Ready for Back-to-School with these Savings Tips

Although it's still summer, now is the best time to get ready for back-to-school - before the rush hits. A little planning now can save you big when it’s time to fill backpacks and closets again. Here are some budget-friendly tips to help your family tackle back-to-school shopping without overspending:

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Back To School

Get Ready for Back-to-School with these Savings Tips

Although it's still summer, now is the best time to get ready for back-to-school - before the rush hits. A little planning now can save you big when it’s time to fill backpacks and closets again.

Here are some budget-friendly tips to help your family tackle back-to-school shopping without overspending:

Take Inventory First

Before you buy anything, see what you already have — check closets, drawers, last year’s supplies, and even backpacks hiding in the garage. You’ll be surprised how many pencils, binders, and clothes can be reused.

Set a Spending Limit & Make a List

Set a spending limit for each child and stick to it. Write out exactly what you need — and resist those tempting extras in the store aisles.

Shop Your Home & Swap

Host a “school supply swap” with friends or neighbors. Trade gently used uniforms, backpacks, or surplus supplies — it’s a fun way to save money and reduce waste.

Spread Out Purchases

Start picking up essentials bit by bit — buy what’s truly needed now and wait for clearance sales for the rest. Many schools don’t require everything on day one!

Hunt for Coupons & Tax-Free Days

Check for back-to-school sales, store coupons, and price match offers. Many states offer tax-free shopping weekends on clothes and supplies — mark your calendar and plan bigger purchases then.

Consider Gently Used Tech

Need a laptop or calculator? Look for refurbished or gently used options online or through local community groups — a safe, cost-effective alternative to paying full price.

 

Save the Savings!

Each time you score a deal, transfer that amount into your savings account. Small amounts add up fast and can help with surprise expenses during the school year.

 

Get Ahead & Stress Less

Starting early means fewer last-minute splurges and less financial stress for your family.

Take the America Saves Pledge today and commit to putting your back-to-school savings toward your emergency fund or another important goal.

 

We Want to Hear From You!
How are you saving this back-to-school season? Whether it’s finding the best deals, sticking to a budget, or getting creative with your shopping strategies—we’d love to hear your saver story!

Share your story with us, and you could be featured in an upcoming America Saves spotlight to inspire others on their savings journey. (We’ll send you a $50 gift card if we use your submission)

Submit your story here.

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