Affordable Back-to-School Shopping Tips

August 5, 2025 by Finquest Financial

Back-to-school season is exciting for kids but often stressful for parents. From notebooks and backpacks to clothing and electronics, expenses can quickly add up. A survey reported by CBC notes that Canadian families spend more than $300 per child on average each year. The good news is that with the right approach, you can keep costs down while still ensuring your kids have everything they need for a successful school year.

1. Start with a Home Inventory

Before heading to the stores, take stock of what you already have. Last year’s backpack, calculator, or gently used clothing may still be in excellent condition. By checking closets and drawers first, you’ll avoid unnecessary duplicate purchases and cut costs instantly.

2. Make a Detailed Shopping List

A clear list keeps you focused and prevents impulse buys. Separate items into essentials (like pencils, binders, or uniforms) and extras (such as trendy gadgets or accessories). Sticking to the essentials first ensures your budget covers the most important needs.

3. Shop Early and Track Sales

Retailers launch back-to-school sales as early as July. Shopping before the rush helps you snag deals and avoid stock shortages. Many stores also offer price matching—if you find the same item for less at another retailer, they’ll honor the lower price. Watch flyers or apps like Flipp to compare prices across multiple stores.

4. Consider Secondhand and Thrift Options

Gently used uniforms, shoes, and clothing are often available at thrift shops or online marketplaces like Facebook Marketplace. You can also check community “buy and sell” groups or consignment stores for bargains. Choosing secondhand helps your wallet and reduces waste.

5. Save on Technology

Laptops and tablets are increasingly part of the classroom. If you need tech, consider refurbished models that come with warranties. They offer the same performance as new devices at a lower price. Some provinces and school boards provide subsidies or programs for technology—check the Government of Canada and provincial education websites for details.

6. Use Coupons and Cashback Programs

Download retailer apps and coupon platforms to save at checkout. Cashback apps like Rakuten give you a percentage of your purchase back, while programs like PC Optimum offer points that can be redeemed for groceries and supplies. These small savings add up across multiple purchases.

7. Spread Out the Purchases

You don’t need to buy everything at once. Break purchases into phases—supplies in August, clothing in September, and optional extras later. This approach keeps spending manageable and gives you time to catch additional sales.

8. Involve Your Kids

Teach kids about budgeting by involving them in the process. Set a spending cap for extras and let them choose within it. This creates valuable lessons in financial responsibility and prevents overspending.

When Budgets Feel Tight

If back-to-school costs overlap with bills or groceries, Finquest Financial offers payday loans up to $1,500 with quick approval and secure e‑transfer. This short-term option helps bridge gaps so your kids are prepared without compromising household stability.

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Final Thoughts

Back-to-school shopping doesn’t have to overwhelm your budget. With early planning, smart use of sales, and a focus on essentials, Canadian families can save hundreds of dollars this season. By combining thrift options, tech savings, and cashback programs, you can set your children up for success while keeping your finances in balance.

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