Back to School on a Budget: Financial Tips for Single Mothers
As the start to a new school year or term looms, many single mothers face that familiar mix of excitement and financial stress, juggling kids’ stationery supplies, uniforms, and maybe even new shoes, all while budgets are tight. Beginning your shopping early will allow you to take advantage of sales, and together with planning and smart shopping, you can get your kids prepped for class within a budget.
Here are our financial tips for single mothers to help you stick to that budget:
Start with a Simple Budget and Shopping List
Before rushing out to the shops, sit down with your child’s school supply list and take stock of what you already have at home and what essentials are still needed. Then create a shopping list to avoid impulse purchases and assign a budget to each item.
Watch Out for Back-to-School Specials
Timing is everything. Stores, like Pick n Pay, run back-to-school promotions. Shoprite offers up to 40% off stationery and essentials on their “Back-2-School” deals. Checkers, both in-store and on Sixty60, roll out weekly specials just before each term, with huge savings on everything. Also, keep an eye out for specials at popular stationery stores like PNA, The Crazy Store, and Pep.
Compare Prices and Shop Smart
While buying everything in one place seems convenient, you’re likely to save more by comparison shopping. Check online catalogues and promotions from stores like Waltons and Pelikan for convenient shopping.
Bulk Up at Wholesale Retailers
Makro is gold for bulk buys, offering up to 30% off stationery packs, calculators, backpacks, and more. For everyday school clothing essentials, budget stores like Mr Price and Ackermans often have affordable choices.
Use Lay-By Options
Many retail stores offer lay-by options, allowing you to pay for expensive items in instalments. This can be a financial lifesaver for single mothers managing on a tight budget. Check stores like Jet, Ackermans, or Pep for this option.
Sell or Exchange Old Supplies
Another one of the top financial tips for single mothers is to participate in second-hand school supply exchanges. Some schools or community groups organise swap events where parents can donate, trade, or sell used uniforms, textbooks, and other essentials.
Use Loyalty and Reward Programs
Load up on savings through Pick n Pay’s Smart Shopper card and Checkers’ Xtra Savings. These programs stack up, so swipe when you shop stationery, grab bread or milk, and every point edges you closer to your next grocery or school run. A small win each time.
Shop with Intention, Not Emotion
That bright unicorn pencil case may be adorable, but is it really necessary? Stick to your list. Buy functional and tough, rather than cute and costly. Think cost-per-use; if it lasts longer, you’re saving more.
Cut Costs on Lunchboxes
Packed lunches can quickly add up, but they don’t need to be a luxury. A financial tip for single mothers is to buy reusable containers and water bottles to reduce monthly costs on disposable packaging. For snack ideas, look for budget-friendly options like seasonal fruit or homemade sandwiches. Stores like Spar have weekly promotions on basic grocery items that can keep your child’s lunchbox delicious and affordable.
The Big Picture
By following our financial tips for single mothers, heading back to school doesn’t have to stretch your budget. A bit of resourcefulness, combined with smart timing and planning, will mean your kids can be well-prepared for their school year. However, if all else fails and your back-to-school expenses are unavoidable, think of exploring financial resources, such as small credit options. For instance, here at Atlas Finance, we offer simple assistance without overwhelming paperwork.
Learn more about our services by visiting Atlas Finance
