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Back-to-School, Back on Budget

Money-Saving Tips for Back-to-School Shopping in 2025

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Back-to-School, Back on Budget:
Money-Saving Tips for Back-to-School Shopping in 2025

July 31, 2025

The back-to-school season is a fresh start—for students, families, and budgets. As excitement builds for the new academic year, so can the pressure of school supply shopping. But with a few smart strategies and the right financial tools, you can keep spending in check while still checking off every item on your student’s list.

Start Smart Before You Shop

Before heading to the store or filling your online cart, take a moment to plan:

  • Take Inventory: Dig through drawers, closets, and last year’s backpacks. You might be surprised by how many supplies—like notebooks, pens, and folders—are still in good condition and ready to reuse.
  • Shop Secondhand: Consignment shops and thrift stores are great places to find gently used clothing, backpacks, and even dorm essentials at a fraction of the cost.
  • Review the School List: Most schools and teachers provide specific supply lists. Use these as your guide to avoid buying unnecessary items or duplicates. Sticking to the list helps you stay focused and budget-friendly.

Tips for Older Students

For high school and college students, back-to-school shopping often includes tech, textbooks, and dorm gear. Consider refurbished electronics, digital textbook rentals, and community marketplaces for affordable furniture and supplies. Encourage students to use budgeting apps to manage their own spending and build financial independence.

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Bonus Tip: Don’t forget to take advantage of Tax Free Weekend—a great opportunity to save even more on school supplies, clothing, and tech essentials by skipping the sales tax on qualifying purchases. Tax Free Weekend 2025 Dates: South Carolina & Oklahoma - August 1st - 3rd
*tax free weekend source: Nerd Wallet

Budget Better with MTC Federal

At MTC Federal, we’re committed to helping you make the most of your money, especially during back-to-school season. Our Cash-Back Checking account rewards you for everyday purchases, including school supplies, so you can earn while you shop.

And new this year, Debit Card Rewards are now available for live tracking and use directly within our Digital Banking Platform, giving you real-time visibility into your rewards and how to use them.

Our digital banking experience also helps you stay in control of your finances with:

  • Live credit monitoring through Credit Savvy, so you can track your credit score and receive personalized insights.
  • Spending insights and transaction tagging, allowing you to categorize purchases, add notes, and even attach images like receipts—perfect for tracking school-related expenses.
  • Powerful, customizable alerts for spending, deposits, low balances, and more—so you’re always informed and never caught off guard.

Whether you're shopping for the classroom or the dorm room, MTC Federal gives you the tools to stay organized, informed, and on budget.