7 Back-to-School Budgeting Tips, Even If You’re Not in School

(4 Minute Read) — Back to school season is not just for students. Whether you are a parent, a young professional, or simply someone who loves a good deal, this time of year is packed with back to school budgeting tips, opportunities to reset routines and make smarter money moves. The average household plans to spend nearly $890 on back-to-school shopping, according to the National Retail Federation. But smart planners know how to stay well under that while still getting what they need. 

Here’s how to take advantage of the back-to-school mindset even if your classroom days are behind you. 

1. Treat it like a second New Year 

Back to school is a natural moment to pause and reset. Just like January, it gives you the chance to reflect, reorganize, and set new goals. This season, start with your finances. What surprised you about your spending this summer? What do you want to change? 

Inside Unitus Digital Banking, you can use our free budgeting tools to categorize your expenses, monitor trends, and create customized savings goals. It is a simple way to take control and stay accountable all year long. 

2. Shop smarter by timing your purchases 

Retailers launch major promotions during back-to-school season, and you do not need to be a student to benefit. Think beyond notebooks and backpacks. Now is a great time to replace tech gear, update your wardrobe, or stock up on home office supplies. 

Look for discounts at your favorite stores, compare prices online, and take advantage of member rewards when available. Buying with purpose instead of impulse will make a huge difference for your wallet. 

3. Shop your own closet or trade with friends 

Before you click “buy now,” take inventory. Do you really need new headphones or another hoodie? Check what you already own and consider repurposing items from last year. For clothing, host a swap with friends or check local resale shops for gently used finds. 

Sustainable shopping is not just good for your budget—it is a growing priority for Gen Z and Millennials. According to ThredUp’s 2024 Resale Report, 63% of Gen Z shoppers say they look for secondhand items before buying new. 

4. Plan your meals to avoid expensive takeout 

Back to school means busier days and tighter schedules. It is easy to fall into the habit of grabbing lunch or coffee on the go. A little planning goes a long way here. Prepping just a few meals a week can save hundreds of dollars over time. 

Even simple steps—like bringing your own snacks or filling a reusable water bottle—can make a difference. According to Kiplinger, packing your lunch three times a week could save more than $1,500 a year. 

5. Audit your subscriptions and recurring payments 

You might be surprised how much you are spending each month on subscriptions you barely use. From streaming services to delivery memberships, those charges add up quickly. Use Unitus Digital Banking to review your recent transactions and cancel anything that no longer brings value. 

A 2024 report from C + R Research found that 48% of Millennials and 55% of Gen Z pay for services they forgot they had. A quick review could put more money back in your pocket each month. 

6. Set a fall financial goal and automate it 

Whether you are saving for holiday gifts, a weekend getaway, or just want to grow your emergency fund, now is a great time to set a specific goal. Then, automate your progress. 

Inside Unitus Digital Banking, you can create separate savings goals, give each one a name, and schedule recurring transfers to help you stay on track without thinking about it. Even saving just ten dollars a week adds up fast when it happens automatically. 

7. Check for local perks and community events 

You do not need to be a student to access seasonal discounts. Many local businesses and organizations offer deals on transit passes, gym memberships, and continuing education classes this time of year.  

Final thoughts 

Back to school is more than a shopping season; it is a mindset. It is a time to regroup, refocus, and get intentional with your money. Whether you are juggling family expenses or managing your own paycheck, these simple strategies can help you stay grounded and get ahead. 

Start with just one or two of the tips above. Small changes can lead to big results over time. And with the tools Unitus offers in Unitus Digital Banking, you will have everything you need to budget confidently and crush your goals.