Skip to main content
Northwestern Mutual Northwestern Mutual
Primary Navigation
  • Home
  • About Us
    • About Us Overview
    • Working With an Advisor
    • Our Financial Strength
    • Sustainability and Impact
  • Financial Planning
    • Financial Planning Overview
    • Retirement Planning
      • Retirement Planning Overview
      • Retirement Calculator Beach chair icon
    • College Savings Plans
    • Private Wealth Management
    • Estate Planning
    • Long-Term Care
    • Business Services
  • Insurance
    • Insurance Overview
    • Life Insurance
      • Life Insurance Overview
      • Whole Life Insurance
      • Universal Life Insurance
      • Variable Universal Life Insurance
      • Term Life Insurance
      • Life Insurance Calculator Shield icon
    • Disability Insurance
      • Disability Insurance Overview
      • Disability Insurance  For Individuals
      • Disability Insurance  For Doctors and Dentists
      • Disability Insurance Calculator Money Parachute icon
    • Long-Term Care
    • Income Annuities
  • Investments
    • Investments Overview
    • Brokerage Accounts & Services
    • Private Wealth Management
    • Investment Advisory Services
    • Fixed & Variable Annuities
    • Market Commentary
  • Life & Money
    • Life & Money Overview
    • Educational Resources About Financial Planning
    • Educational Resources About Investing
    • Educational Resources About Insurance
    • Educational Resources About Everyday Money
    • Educational Resources About Family & Work
    • Market Commentary
    • Podcast
Utility Navigation
  • Find a Financial Advisor
  • Claims
  • Life & Money
  • Family & Work
  • Your Family

My Back to School Shopping Tricks


  • Cathie Ericson
  • Aug 01, 2018
Kids getting on a bus as they head back to school.
A few simple tricks can save you money, so you’ll have more to do the other things you want. Photo credit: Blend Images - JGI/Jamie Grill
share Share on Facebook Share on X Share on LinkedIn Share via Email

As a mom of three, I used to approach back-to-school shopping with dread. Online shopping is convenient. But each kid had their preferred style and wanted to pick out their own stuff, which sent us straight to the stores — and the bargaining table.

From the wardrobe refresh to the endless supply list, families will rack up $29 billion in back-to-school shopping expenses this year, according to a survey from Deloitte.

Here are my back to school shopping tricks … and how I saved money.

SKIP YOUR SCHOOL’S 'SUPPLIES-IN-A-BOX' SERVICE

Some parents will hate this suggestion. After all, buying your supplies all boxed up usually doubles as both a fundraiser and a time saver. Who wouldn’t like that? But the two times I bought the box o’ supplies, I was disappointed. First, my kids were bummed; turns out they like to shop for supplies and weigh the merits of various folder designs. Secondly, I was almost 100 percent sure it cost a lot more than I would pay searching out the items myself.

SHOP YOUR OWN STASH

I’m not shy about admitting that many a year, I’ve launched the backpack into a corner on the last day of school. Then it usually sits there until the night before the first day of school. In addition to old granola bars (hopefully nothing worse!) and projects they have totally forgotten about, I often find leftover supplies — like scissors and pencil cases — that don’t wear out and with a quick wash can look brand new again.

Sometimes saving a buck on stuff you want to go the distance can cost more in the long run if you have to replace it.

If there’s something on the supply list you have an inkling you already own, send your kid up to their room to find it. You might be surprised how many flash drives and three-ring binders you round up — and then don’t have to buy.

HAVE THE KIDS TRACK THE SALES

Part of our job as parents is teaching our kids how to budget and comparison shop, and buying school supplies is an ideal exercise in this. Have the kids scour store fliers to see what’s on sale and when, and then have them track the items via an Excel spreadsheet (yes, this is overkill, but it’s good practice for when they have a real budget to manage). Have them indicate which item is on sale, where the store is and where it fits into your weekly routine. For example, if Store A is near swimming lessons and Store B is near their favorite park, they can put together a plan to visit the stores when it’s convenient. Because while you might be going a little bit out of your way to save $4 on dry-erase markers, the goal is not waste that $4 on gas.

GET CLOSE WITH YOUR FAVORITE RETAILERS

Don’t overlook special savings when you download store apps or follow them on social media. You don’t have to keep them forever, but many offer special incentives. Some stores also send coupons if you subscribe to their email list. Start a Gmail just for special offers and only visit it when you are setting out to shop rather than having endless promotions clog your regular account.

KNOW WHERE YOU CAN SKIMP AND WHERE YOU SHOULDN'T

Sometimes saving a buck on stuff you want to go the distance can cost more in the long run if you have to replace it. Backpacks and cases that protect tech, phones or computers are good places to spend a little more for quality.

And, ditto the one thing your kid has his or her eye on. Yes, the glittery planner might cost three times as much as the plain one, but if its shiny good looks will make your kid use it more, it could be worth it. They also can chip in if it seems super outrageous to you. And, pity the parent who doesn’t invest in a new lunch box, even if the old one seems good enough. The “pick a new lunch box” ritual can be the crown jewel of the shopping trip. And you didn’t really want to wash out the old one anyway, did you?

RESIST THE TEMPTATION TO BUY CLOTHING

It’s never fun to splurge on the cool shoes your kid wants only to find out — belatedly — that they are “so last year.” The trick is to get them a couple of cool outfits they can wear in the first week of school but not to overhaul their entire wardrobe. First, the weather is probably still pretty darn hot so they are likely to keel over in their new plaid leggings. Second, what they saw on Instagram and what their friends are actually wearing might be two separate things. And finally, I’ve found it can pay to wait because the best sales kick in about two weeks after school starts.

Social Security is an important part of your financial plan.

Your financial advisor can show you how Social Security will work to reinforce your retirement savings. And they’ll show you how it can help you live the life you want in retirement.

Let's get started
Left Dotted Pattern
Right Dotted Pattern

Want more? Get financial tips, tools, and more with our monthly newsletter.

Related Articles

article
Mother and son shopping for back-to-school clothes.

10 Money-Saving Parent Hacks for Back-to-School Season

Learn more
article
mom helping daughter get ready for school

6 Tips to Help You Save on Back-to-School Shopping

Learn more
article
Man holding credit card while using a computer

How and Why to Freeze Your Credit

Learn more

Find What You're Looking for at Northwestern Mutual

Northwestern Mutual General Disclaimer

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with longterm care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Longterm care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, brokerdealer, registered investment advisor, and member FINRA and SIPC. Investment advisory and trust services are offered through Northwestern Mutual Wealth Management Company (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals. Not all products and services are available in all states. Not all Northwestern Mutual representatives are advisors. Only those representatives with Advisor in their title or who otherwise disclose their status as an advisor of NMWMC are credentialed as NMWMC representatives to provide investment advisory services.

Northwestern Mutual Northwestern Mutual

Footer Navigation

  • About Us
  • Newsroom
  • Careers
  • Information Protection
  • Business Services
  • Podcast
  • Contact Us
  • FAQs
  • Legal Notice
  • Sitemap
  • Privacy Notices

Connect with us

  • Facebook iconConnect with us on Facebook
  • X iconFollow Northwestern Mutual on X
  • LinkedIn iconVisit Northwestern Mutual on LinkedIn
  • Instagram iconFollow Northwestern Mutual on Instagram
  • YouTube iconConnect with Northwestern Mutual on YouTube

Over 8,000+ Financial Advisors and Professionals Nationwide*

Find an Advisor

Footer Copyright

*Based on Northwestern Mutual internal data, not applicable exclusively to disability insurance products.

Copyright © 2025 The Northwestern Mutual Life Insurance Company, Milwaukee, WI. All Rights Reserved. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries.