Whether school has already started or you’re still gearing up, one thing is clear: back-to-school expenses add up quickly. From supplies and clothing to tech fees and club registrations, August and September often come with financial surprises that can throw off your entire budget.
If you’ve already felt the hit this year, you’re not alone. Recent projections show that Americans are expected to spend an average of $570 per child on back-to-school expenses for K–12 students. When you break that down, it’s easy to see why so many families feel stretched.
As a financial coach and parent, I’ve seen how back-to-school spending can disrupt even the best intentions. But with a little planning, it doesn’t have to.
Here’s how to stay ahead of those school-related costs and reduce the stress that often comes with them.
Common Back-to-School Costs to Watch For
Even if your initial supply shopping is done, other expenses have a way of creeping in:
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Club and activity fees
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Sports registrations and uniforms
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Lunch accounts
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Tech fees or device insurance
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Last-minute clothing needs
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School photos or yearbooks
Many schools now provide electronic supply lists and even offer one-click ordering from major retailers, which helps streamline the process, but it doesn’t necessarily reduce the cost. In fact, convenience can sometimes make it easier to overspend.
4 Steps to Budget for Back-to-School Expenses
Here are four simple ways to take control of your spending and avoid that mid-year money squeeze:
1. Start the List
Write down everything you still need to buy or prep, including supplies, clothes, fees, and registrations. It doesn’t have to be perfect. Just get it all out of your head and onto paper.
2. Assign a Dollar Amount
Even rough estimates can help. Seeing the numbers in front of you will give you a better sense of what’s realistic and where you may need to adjust.
3. Spread Out the Spending
If possible, divide the list across a couple of paychecks instead of trying to cover everything at once. This gives you more flexibility and protects your cash flow.
4. Talk to Your Kids
This is a great opportunity to set expectations and involve your kids in the process.
For example, we don’t buy new backpacks every year. I prefer to invest in high-quality items that last for more than one season. Can we afford a new backpack? Yes—but if my teenagers want one just for the style or a change, they cover that themselves. It’s one small way we teach thoughtful spending.
Plan for Next Year—Starting Now
One of the most effective things I’ve done (and now encourage my clients to do) is to plan for back-to-school expenses all year long. Setting aside a small amount each month makes a big difference when the season rolls around.
And while this year’s costs are still fresh in your mind, take a few minutes to total them up. Knowing what it really cost to send your kids back to school gives you the insight you need to plan ahead so next year feels a whole lot easier.
What We Cover in Financial Coaching
This is exactly the kind of real-life planning we do in coaching. Together, we look ahead, break down big expenses, and build them into your budget so you’re not constantly reacting to what’s coming next.
If you’re ready to stop feeling behind and start feeling more in control of your money, I’d love to help you take that next step.
Schedule a no-cost, no obligation call here and let’s talk about what’s possible.
