--- title: Back-to-School Budgeting description: Capital gains taxes are a significant concern for many cottage owners. Changes in tax policies, particularly those introduced in the 2024 federal budget image: https://blog.keystonewealth.ca/hubfs/Blog/0001-594916303090870233.png --- [Skip to content](https://blog.keystonewealth.ca/money-matters/back-to-school#main-content) [![Untitled design (3)-1](https://blog.keystonewealth.ca/hs-fs/hubfs/Untitled%20design%20(3)-1.png?width=136&height=82&name=Untitled%20design%20(3)-1.png "Untitled design (3)-1")](https://www.keystonewealth.ca/) #    MONEY MATTERS               We discuss money matters because money…matters!         [Contact us](mailto:tannerlewis@keystonewealth.ca) Sep 11, 2024 12:00:00 PM # Back-to-School Budgeting ![Picture of Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/hs-fs/hubfs/Untitled%20design%20(3).png?width=50&name=Untitled%20design%20(3).png) [Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/money-matters/author/tanner-lewis) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.keystonewealth.ca/money-matters/back-to-school) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.keystonewealth.ca/money-matters/back-to-school) [envelope icon](mailto:?body=https://blog.keystonewealth.ca/money-matters/back-to-school) Back-to-School Budgeting 2:14 As summer ends and a new school year begins, parents face the challenge of back-to-school expenses. From supplies and clothing to extracurricular activities, these costs can add up. With careful planning and smart shopping strategies, parents can manage these expenses effectively. Here are practical tips to help you save money on back-to-school: 1. Create a back-to-school budget with categories like supplies, clothing, and activities. Set realistic amounts to avoid overspending and make informed purchases. 2. Take Inventory of what you have before shopping, check what school supplies and clothing you already have to avoid duplicates and save money. ![0002-5637821986726908355](https://blog.keystonewealth.ca/hs-fs/hubfs/Blog/0002-5637821986726908355.png?width=355&height=239&name=0002-5637821986726908355.png)3. Plan back-to-school shopping around sales and tax-free days to get discounts on supplies and clothing. Watch for flyers, online ads, and store promotions for the best deals. 4. Use Coupons & Cashback Offers -Utilize coupons and cashback offers from apps like Honey, and Flipp to save on back-to-school shopping. Combine with sales and loyalty programs for maximum savings. 5. Shop Second-Hand & Thrift Stores -Consider pooling resources with other parents to buy school supplies in bulk and share costs. 6. Shop Second-Hand & Thrift Stores-Many thrift stores offer special discounts on certain days. Shopping second-hand not only saves money but also promotes sustainability by reusing items. ![0003-8204873773112202688](https://blog.keystonewealth.ca/hs-fs/hubfs/Blog/0003-8204873773112202688.jpg?width=362&height=243&name=0003-8204873773112202688.jpg) 7. Plan for Extracurricular Activities -Plan for extracurricular activities by prioritizing your child's passions and value. Consider community or school programs for cost-effective options. 8. Teach Kids About Budgeting -Get kids involved in budgeting to teach financial responsibility. Include them in decision-making, comparing prices, finding deals, and understanding trade-offs to develop good financial habits. Back-to-school expenses can be significant, but with careful planning and strategic shopping, Canadian parents can save money without sacrificing quality. By creating a budget, taking inventory, shopping smartly, and involving your children in the process, you can manage these expenses effectively and set a positive example for financial responsibility. Happy back-to-school!   [Financial Advisor](https://blog.keystonewealth.ca/money-matters/tag/financial-advisor), [University](https://blog.keystonewealth.ca/money-matters/tag/university), [Budget](https://blog.keystonewealth.ca/money-matters/tag/budget), [School](https://blog.keystonewealth.ca/money-matters/tag/school) ## Related posts [![](https://blog.keystonewealth.ca/hs-fs/hubfs/Blog/Tax%20time.png?height=200&name=Tax%20time.png)](https://blog.keystonewealth.ca/money-matters/overlooked-tax-strategies) [Blog](https://blog.keystonewealth.ca/money-matters/tag/blog), [Financial Advisor](https://blog.keystonewealth.ca/money-matters/tag/financial-advisor), [Charity](https://blog.keystonewealth.ca/money-matters/tag/charity), [RRSP](https://blog.keystonewealth.ca/money-matters/tag/rrsp), [Benefits](https://blog.keystonewealth.ca/money-matters/tag/benefits) ## [Overlooked Tax Strategies Before Filing Season Ends](https://blog.keystonewealth.ca/money-matters/overlooked-tax-strategies) ![Picture of Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/hs-fs/hubfs/Untitled%20design%20(3).png?width=50&name=Untitled%20design%20(3).png) [Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/money-matters/author/tanner-lewis) Mar 25, 2026 6:00:01 AM Overlooked Tax Strategies Before Filing Season Ends The tax deadline is fast approaching, and while... [Read more](https://blog.keystonewealth.ca/money-matters/overlooked-tax-strategies) [![](https://blog.keystonewealth.ca/hs-fs/hubfs/gettyimages-1305191258-612x612.jpg?height=200&name=gettyimages-1305191258-612x612.jpg)](https://blog.keystonewealth.ca/money-matters/cottage-owners) [Financial Advisor](https://blog.keystonewealth.ca/money-matters/tag/financial-advisor), [Capital Gains](https://blog.keystonewealth.ca/money-matters/tag/capital-gains), [Cottage Owners](https://blog.keystonewealth.ca/money-matters/tag/cottage-owners) ## [A Significant Concern for Cottage Owners](https://blog.keystonewealth.ca/money-matters/cottage-owners) ![Picture of Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/hs-fs/hubfs/Untitled%20design%20(3).png?width=50&name=Untitled%20design%20(3).png) [Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/money-matters/author/tanner-lewis) Jul 25, 2024 10:52:49 AM Capital gains taxes are a significant concern for many Canadian cottage owners. Changes in tax... [Read more](https://blog.keystonewealth.ca/money-matters/cottage-owners) [![](https://blog.keystonewealth.ca/hs-fs/hubfs/RRSP%20cash.jpg?height=200&name=RRSP%20cash.jpg)](https://blog.keystonewealth.ca/money-matters/rrsp-deadline) [Blog](https://blog.keystonewealth.ca/money-matters/tag/blog), [Financial Advisor](https://blog.keystonewealth.ca/money-matters/tag/financial-advisor), [Financial Health](https://blog.keystonewealth.ca/money-matters/tag/financial-health), [RRSP](https://blog.keystonewealth.ca/money-matters/tag/rrsp) ## [February: "RRSP Deadline”](https://blog.keystonewealth.ca/money-matters/rrsp-deadline) ![Picture of Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/hs-fs/hubfs/Untitled%20design%20(3).png?width=50&name=Untitled%20design%20(3).png) [Tanner Lewis, Financial Advisor; Keystone Wealth | Aviso Wealth](https://blog.keystonewealth.ca/money-matters/author/tanner-lewis) Feb 25, 2025 11:23:27 AM Last-Minute Tips to Maximize Your Tax Savings for 2025" The Registered Retirement Savings Plan... 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