As summer days stretch on, the thought of returning to school looms on the horizon. Whether you’re a student, parent, or teacher, preparing for a new school year can be both exciting and stressful—especially when it comes to finances. Back-to-school shopping can quickly add up, but with a little planning and creativity, you can get everything you need without breaking the bank. Here’s how to make the most of your summer and get a head start on back-to-school budgeting.

1. Take Inventory of What You Already Have
Before heading to the stores or browsing online sales, take stock of what you already own. Dig through last year’s supplies, check closets for clothing that still fits, and assess what can be reused or repurposed. You might be surprised by how many items, like binders, backpacks, and even clothing, are still in good condition. Starting with an inventory helps you avoid buying duplicates and ensures you’re only spending money on what’s truly needed.

2. Create a Shopping List and Stick to It
Once you’ve taken inventory, create a detailed shopping list of the items you need. Prioritize the essentials—think notebooks, pencils, and new shoes—and consider which items can wait. Having a list keeps you focused and reduces the temptation to make impulse purchases, which can quickly blow your budget. If you’re shopping with kids, involve them in the process to teach them the importance of budgeting and making thoughtful choices.

3. Set a Realistic Budget
Establish a realistic budget based on your financial situation and stick to it. Consider breaking down your budget into categories like supplies, clothing, and technology, so you can allocate funds accordingly. Be honest with yourself about what you can afford, and remember that it’s okay to make trade-offs. If necessary, start setting aside small amounts of money throughout the summer to build up your back-to-school fund.

4. Shop Sales and Use Coupons
Take advantage of summer sales, tax-free weekends, and back-to-school promotions to stretch your dollars further. Retailers often offer significant discounts on school supplies, clothing, and electronics during this time, so keep an eye out for deals. Additionally, look for coupons and cashback offers that can be used in conjunction with sales. Many websites and apps specialize in aggregating coupons, so you can find the best deals with minimal effort.

5. Consider Secondhand Options
For big-ticket items like laptops, calculators, or even clothing, consider buying secondhand. Thrift stores, consignment shops, and online marketplaces like eBay or Facebook Marketplace can offer gently used items at a fraction of the cost of new ones. Not only does this help you stay within your budget, but it’s also an eco-friendly option that reduces waste. If you’re buying used electronics, be sure to test them thoroughly to ensure they’re in good working condition.

6. DIY Where You Can
Get creative and save money by doing it yourself. For example, instead of buying new binders or notebooks, you can decorate old ones with stickers, washi tape, or fabric. If you’re handy with a sewing machine, consider making your own lunch bags, pencil cases, or even simple clothing items. Not only is DIY a cost-effective approach, but it’s also a fun summer project that allows you to personalize your school supplies.

7. Buy in Bulk
If you have multiple kids or are shopping for a classroom, buying in bulk can be a great way to save. Many warehouse stores offer discounts on large quantities of supplies like pens, paper, and snacks. You can also team up with other parents to split the cost of bulk purchases, ensuring everyone gets what they need without overspending.

8. Plan for the Long Term
While it’s tempting to buy everything at once, consider what you’ll need throughout the school year. Some supplies might be cheaper after the back-to-school rush, and you can spread out purchases to ease the financial burden. Additionally, investing in higher-quality items that last longer, like durable backpacks or versatile clothing, can save you money in the long run by reducing the need for replacements.

Back-to-school shopping doesn’t have to be a financial burden. By starting early, planning ahead, and being mindful of your spending, you can ensure your family is well-prepared for the new school year without overspending. Make the most of your summer by following these budgeting tips, and enjoy peace of mind knowing you’ve made smart financial decisions. After all, a successful school year starts with a solid plan—and that includes your budget.