Southland News

Back-to-school season offers a fresh start, but it can also bring financial stress. From school supplies and new clothes to lunch prep and activity fees, expenses can add up quickly. That’s why a clear, organized budget is so important.

To help you prepare without overspending, we’ve put together a practical checklist for your family. Whether you’re shopping for one student or several, this list will help you stay on track, focus on what matters most and avoid unexpected costs.

Back-to-school budget checklist

Start by deciding on a total amount you’re comfortable spending. Then break that down into key categories. Here are the most common areas where families tend to spend during back-to-school season:

• School supplies: Notebooks, folders, pens, pencils, calculators and anything specific your child’s teacher requests. Look for bundle deals or store promotions.

• Clothing and shoes: Kids often need new clothes after summer growth spurts. Before heading out, take stock of what still fits and what can be reused.

• Technology and gadgets: If your student needs a laptop, headphones or other tech tools, see if your school offers recommendations or student discounts. Refurbished items can also save money.

• Lunch prep and food: Plan ahead for reusable lunch containers, snacks and weekly groceries. Buying in bulk and prepping meals can help reduce long-term costs.

• Clubs, sports and activities: Include things like registration fees, uniforms, gear or instrument rentals if your child participates in extracurriculars.

• Transportation: Whether it’s gas, bus passes or carpool costs, don’t forget to include transportation in your budget.

• Haircuts and personal care: Many families schedule back-to-school haircuts or pick up grooming items like deodorant or skincare.

• Emergency buffer: It’s smart to set aside a small amount for unexpected expenses, like a last-minute supply or a class trip fee.
  
  

You can jot these categories down in a notebook, create a simple spreadsheet or even use a budgeting app to track your spending as you go.

Money-saving tips to keep in mind

• Shop your own home first to see what you already have before buying more.

• Take advantage of any rewards or perks your card offers, like 3X points on groceries, which includes stores like Target and Costco* 

• Stick to a list when shopping to avoid impulse buys.

• Take advantage of student discounts both in-store and online.

How Southland can help

Make every dollar count this back-to-school season. Track your spending and set a budget right from your Southland Digital Banking account. And, when you open an Enjoy! Rewards Checking account, you can earn rewards on your back-to-school purchases to help your money go further.

Looking for ways to get your kids involved in financial planning? Visit our Practical Money Skills resource hub for age-appropriate lessons, tools and games that make learning about money fun and engaging.

A confident start to the school year 

Back-to-school shopping doesn’t have to be overwhelming. With a clear budget, a bit of planning and the right financial support, you can handle the season with confidence. From all of us at Southland, we wish you and your family a smooth and successful start to the school year!