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For many families, the summer holidays have only just begun or will be soon, but the next big expense is already on the horizon. From uniforms and stationery to transport and lunches, the cost of sending children back to school can quickly add up.

With a little early planning, it’s possible to spread the cost and avoid having to use credit to cover the expenses.

How to start planning early for back-to-school costs

One of the biggest challenges with back-to-school spending is that most of the costs arrive at once. Create a list of everything you’ll need through the summer to help avoid unexpected costs later.

Consider including:

  • School uniforms and PE kits
  • Shoes, coats, gloves and hats
  • Bags and lunch boxes
  • Stationery and equipment
  • School trips and clubs
  • Transport costs

Once you have a list, estimate how much each item will cost and work out what you can set aside each week before September arrives.

What can you reuse?

Before buying new items, look through what you already have. School bags, pencil cases, water bottles and some uniform items may still be in good condition and still fit.

You could also check local community groups and between friends to pick up uniform second hand.

Shop around for the best back-to-school deals

Compare prices online and in-store, they will vary significantly from shop to shop, and don’t be afraid to buy non-branded items where school policies allow. Many supermarkets offer affordable uniform ranges that meet school requirements and have back-to-school offers too.

Look into what you’re entitled to

Some families may be entitled to help with school-related costs. Depending on where you live, support may be available for:

  • School uniforms
  • Free school meals
  • Transport to school
  • Educational grants

Eligibility varies, so it’s worth checking with your local authority and your child’s school to see what assistance may be available.

Be careful using credit

When your budget is already stretched it can be tempting to turn to credit cards, overdrafts or Buy Now Pay Later services to cover back-to-school costs.

While these options may seem helpful in the short term, they can put added pressure on your budget to manage repayments. If you’re considering borrowing, take time to understand the full cost, including any interest and how the repayments will fit into your budget over the coming months.

Plan for ongoing school costs

Back-to-school spending doesn’t stop after September. Throughout the year, there may be additional costs such as school trips, fundraising events, extra-curricular clubs and replacement uniform items.

Including a small amount into your monthly budget for school-related expenses can help you feel more prepared when these costs arise.

We’re here to help

If you’re worried about how you’ll afford back-to-school costs alongside existing bills or debts, you’re not alone. Our advisors are here to listen and help you explore options that may ease financial pressure.

When you feel ready, you can reach out for support. Get free debt advice online or call 0800 316 1833.

PayPlan’s advice is free, but some solutions may involve fees.