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Back-to-School Savings: A Smarter Way to Start the Year

The new school year is here—and with it comes the shopping lists, supply runs, and lunch prep marathons. While the costs can add up quickly, a little planning can help you save money and reduce stress.

Here are some smart back-to-school savings tips to help you stay on budget and start the year strong:

1. Make a Master List (and Stick to It)

Impulse buys add up fast! Start with a detailed checklist of what your child truly needs. Double-check what you already have at home to avoid buying duplicates.

2. Set a Budget

Set a realistic spending limit for each category—supplies, clothes, shoes, backpacks—and stick to it. If your child is old enough, involve them in budgeting to help teach money management.

3. Buy in Bulk (and Split)

Bulk items like pencils, glue sticks, and snacks are often cheaper—but you don’t always need 100 of them. Consider teaming up with other families to split costs and supplies.

4. Watch for Tax-Free Weekends & Sales

Many states offer tax-free shopping days before school starts. Pair that with back-to-school sales and coupons for big savings.

5. Shop Online with Cashback Tools

Browser extensions like Honey or Rakuten can help you score extra discounts or cashback while you shop online for supplies or clothes.

6. Don’t Feel Pressured to Buy It All Now

Many non-essential items (like jackets or certain classroom supplies) can wait. Buying them later—during clearance season—could save you even more.

Smart Spending = Smart Start

Back-to-school doesn’t have to break the bank. With some thoughtful planning, a few hacks, and a budget in place, you can stretch your dollars and teach your kids valuable financial habits too.

Need help getting your family’s finances ready for the year ahead? Visit esbfinancial.com or stop by your nearest ESB Financial Bank location in Manhattan or Emporia—we’re here to help.