It’s hard to believe summer is already winding down. For many families in Ohio, Pennsylvania, and beyond, the back-to-school season is one of the busiest—and most expensive—times of year. Between new supplies, updated wardrobes, sports fees, and the rising costs of everyday living, it can feel overwhelming to prepare students for a strong start to the year without overspending.

The good news? With a little planning and creativity, families can keep costs manageable while still setting kids up for success. Here are some trending back-to-school topics and budget-friendly ways to prepare.

1. The Rising Cost of School Supplies
According to national surveys, the average household now spends hundreds of dollars on back-to-school supplies. From calculators to art materials, these costs can add up quickly.

How to save:

• Shop your house first. Many families already have extra notebooks, pens, and folders tucked away. Take inventory before you buy.
• Buy in bulk and split with friends. Teaming up with another family in your neighborhood to purchase supplies like tissues or glue sticks in bulk can cut costs.
• Time your purchases. Local stores often stagger their sales, so you may find better prices in late August or even early September.

2. Technology Costs Keep Rising
Many schools are expanding their use of digital tools and online learning platforms. While some districts provide laptops or tablets, families often face expenses for accessories, software, or higher internet usage.

How to save:

• Check with the school first. Before purchasing a device, ask what’s truly required. You may find your student’s existing laptop works just fine.
• Explore refurbished tech. Certified refurbished laptops and tablets, available both online and at regional retailers, often cost much less than brand-new devices.
• Use free software. Many schools in our area partner with providers like Microsoft or Google to give students free access to essential programs.

3. Back-to-School Wardrobes
New clothes and shoes are a big part of the excitement, but they don’t have to break the budget.

How to save:

• Focus on essentials now. Buy only what your child needs to get through the first few weeks, then shop sales later in the season.
• Mix new with thrift. Secondhand shops and resale stores are excellent spots to find affordable, gently used clothes.
• Organize a swap. Consider hosting a gently-used clothing swap with friends, neighbors, or other parents in your community.

4. Extracurricular Activities Add Up
Sports, music, and clubs enrich the school experience, but they can also come with significant fees.

How to save:

• Prioritize activities. Encourage your child to focus on one or two activities they’re most passionate about instead of joining everything at once.
• Ask about scholarships or fee waivers. Many schools and community organizations offer financial assistance in some cases, it’s worth asking!
• Buy used equipment. Local sports consignment shops and community swap groups often carry quality used gear at a fraction of the cost.

5. Building a Smart Back-to-School Budget
Perhaps the most important step is setting a budget before you shop. Decide what you can reasonably spend, then involve your student in the planning—it’s a great chance to teach financial responsibility.
Budget tips:

• Separate “needs” (supplies, shoes that fit) from “wants” (name-brand backpacks or trendy extras).
• Set aside a small portion of your budget for unexpected expenses that pop up after school begins.
• Consider using a separate savings account just for school expenses. Andover Bank can help you set up a new and separate savings account that makes it easier to plan ahead each year.

Back-to-school season doesn’t have to strain your wallet. By shopping smart, timing your purchases, and involving kids in budget decisions, you can prepare the students in your life for a successful year—without the financial stress. And remember, your local community bank is here to help with savings tools, budgeting advice, and financial resources that make planning for milestones like this a little easier. Here’s to a great school year ahead—for students, families, and our community.