Smart Back-to-School Shopping Starts Now

The start of a new school year might still be weeks away, but getting a head start on your back-to-school shopping can save you serious time and money. Whether you're gearing up for kindergarten or college, here are smart ways to stay organized and keep your budget on track.

Make a Master List

Before you hit the stores, make a list of what your child actually needs. Take inventory of what you already have at home—leftover supplies, gently-used backpacks, or last year’s lunch box may still be in great shape.

• Break the list into must-haves (like notebooks and pencils) and nice-to-haves (like themed folders or trendy gear).

• If your child’s school provides a supply list, cross-reference it with what you already own to avoid overspending.

Shop Smarter, Not Harder

• Start early to take advantage of sales and spread out spending.

• Compare prices online before heading to the store.

• Use your ICCU debit or credit card to track spending and earn rewards.

• Consider a prepaid card for teens, giving them a budget to manage while learning valuable money skills.

Budget for the Big Stuff

Back-to-school isn’t just about pencils and paper—it can also mean:

• Tech upgrades: laptops, tablets, or calculators.

• New clothes or shoes for growing kids.

• Activity fees for sports, clubs, or band.

Set spending limits for each category, and look for bundle deals or student discounts. ICCU can help you create a customized savings plan for the big expenses.

Back-to-School = Fresh Start

A new school year is a fresh opportunity—for your child and your finances. By planning ahead, staying organized, and using ICCU’s tools, you can kick off the school year feeling confident and prepared.