School’s out for the summer! That means you can forget about school until September, right? Not so fast! If you’re wise, you’ll begin thinking about September now and start saving for the plethora of expenses that hit every new school year. Before you begin making your school year budget, think through all the little expenses that will add up, come September. These are a few things to consider.
With budget cuts in the public schools, parents are increasingly responsible for purchasing things their kids will need in class. School supply lists vary wildly by school district, so you’ll want to check your school’s website for a list, especially if your child is changing schools. And don’t just think about pencils and notebooks. School supply lists often include P.E. uniforms and fees for student body cards.
If you have more than one child in school, school supplies can add up quickly. Though I homeschool now, a couple of years ago school supplies for two children cost me over $70. If you have more than two children, you may have to budget over $100 just for supplies.
Again, due to budget cuts, the cost of school activities is beginning to fall on parents. If your child participates in activities like sports or marching band, expect to pony up the cash for equipment and uniform rental, activity fees, and perhaps even sports camps. These fees can run in the hundreds of dollars, so if you have a new high school freshman, make sure to take these costs into account.
No matter what your child does outside the school day, there will likely be costs involved. Cub Scouts? American Heritage Girls? AWANA? Community soccer? All cost money, and though the fees aren’t outrageous, when combined with other beginning of the school year fees, the total dollar amount can be a shocker.
Think through your child’s outside activities and make a list of the costs involved.
Though I’m not a fan of dedicated back to school clothes shopping, the fact is, kids grow, and most children will need some new clothes for the school year.
If your child moves from one size group to another, especially if you have a daughter who moves from girl sizes to junior sizes, expect the cost of clothing to increase a lot. You can save money by shopping clearance sales after school starts or shopping at secondhand stores, but don’t forget to budget for school clothes!
Before I was financially savvy, September school expenses always took me by surprise. They shouldn’t have, as these expenses come every year, but the last thing I wanted to think about in June was school expenses. Fortunately I’ve wised up, and now I budget for everything I’ll need to pay in September. Besides December, September is the most expensive month of the year when you have school aged kids.
Have you found that September is an expensive month? Can you think of any back to school expenses I’ve forgotten?
Photo by David Jakes.
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I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.
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