Back-to-School Money-Saving Tips for MMCCU Families

Back-to-school season can be exciting—but also expensive. Between school supplies, new clothes, and tech upgrades, the costs can add up quickly. At MMCCU, we’re here to help you and your family make smart financial choices all year long—starting with back-to-school shopping.

Here are some practical, budget-friendly tips to help you save money without sacrificing quality this school year.

1. Make a List and Set a Budget

Start with a written list of what your child actually needs, based on the school’s supply list. Then, set a clear budget for supplies, clothing, and any extras. Sticking to your list helps prevent impulse purchases that can quickly derail your budget.

MMCCU Tip: Use a budgeting app or your MMCCU online banking tools to track expenses in real time.

2. Take Inventory Before You Shop

You might already have half the items your child needs! Check closets, desks, and drawers before buying new:

• Notebooks with unused pages
• Backpacks or lunch boxes in good shape
• Clothing that still fits

Reusing or repurposing can significantly reduce your shopping list—and your total spend.

3. Shop Smart: Sales, Coupons & Tax-Free Days

Timing matters! Watch for:

• Back-to-school sales at big-box stores and online retailers
• Coupon apps for cash-back and discounts

Buying in bulk or shopping during sales events can yield major savings.

4. Buy Clothes Strategically

Children grow quickly, so try buying only what they’ll need in the next 2–3 months. Then reassess later in the year. Focus on:

• Neutral basics that can mix and match
• Clearance racks and outlet stores
• Thrift or consignment shops

MMCCU Tip: Set a “clothing budget” per child to help avoid overspending.

5. Don’t Overspend on Tech

Unless required by the school, kids may not need the latest laptop or tablet. Check with your school district to see if devices are provided or if refurbished options are acceptable.

Some affordable ways to save on tech:

• Buy certified refurbished or open-box
• Take advantage of student discounts (Apple, Dell, etc.)
• Use MMCCU’s low-interest personal loans if larger purchases are needed responsibly

6. Teach Budgeting as a Life Skill

Back-to-school shopping is a great opportunity to teach kids about money management. Give them a small budget for items like supplies or accessories and help them make smart choices within that limit.

MMCCU Tip: Open a Kids Rewards Club Account to start building smart money habits early.

7. Use MMCCU Tools to Stay on Track

As a member of MMCCU, you have access to tools that can help simplify budgeting and save time:

• Mobile and online banking to track spending
• Automatic savings transfers to set aside money for school needs
• Low-interest credit cards or personal loans for big expenses

If you’re unsure what financial tools are best for your family, stop by or give us a call—our team is here to help!

Back-to-school doesn’t have to mean breaking the bank. With a little planning and the right tools, you can keep costs in check and still prepare your kids for a successful year.

Need help budgeting for the school year?
MMCCU is here to support you every step of the way. Let us help you make this season smart, stress-free, and financially sound.