ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

ALERT: Family First has recently been made aware of a scam spoofing both our 585.586.8225 and 1.800.356.1101 phone numbers. Please exercise caution if you receive a phone call claiming to be from our Fraud Department. Learn more here.

ATTENTION: We are aware of fraudulent text messages notifying Family First members that their accounts have been locked. If you receive a text like this, do not click on any links or attachments. Please reach out to Family First directly at 585.586.8225.

All Family First branches and the Call Center will be closed on Tuesday, November 11 for Veterans Day.

Family First’s Online Banking is unavailable. Please utilize our mobile app for access at this time. We apologize for any inconvenience this may cause. 

Back to School Budgeting

Last Updated

September 2, 2025

Written By

Family First FCU

Back-to-school season is an exciting time for both parents and kids, but it can be tough on family budgets. Between classroom supplies, clothes, sports, and other extracurricular activities, the costs add up quickly. With some planning, you can keep spending under control and start the year stress-free. Here are 5 tips to help parents budget for the new school year!

1. Set a Budget Before You Shop

Decide how much you can spend and then divide it into categories like supplies, clothing, technology, and extracurriculars. Having a plan in place before you start shopping helps you avoid overspending!

2. Take Stock of What You Already Have

Check last year’s supplies, backpacks, and closets before you start buying new items. Reusing what you already own saves money for essentials.

3. Make a Shopping List (and stick to it!)

Once you know what’s needed, write it down! Sticking to a list keeps you focused when you’re out and about shopping for supplies and prevents impulse buys.

school supplies on a wooden table

 

4. Shop Smart and Look for Deals

Compare prices online and in-store, take advantage of sales, and consider buying in bulk for items you’ll use year after year.

5. Spread Out Purchases

Kids don’t need a full new wardrobe on their first day – start with the basics and plan to add items throughout the year when sales pop up!

 

Back-to-school budgeting doesn’t have to be overwhelming. By setting limits, reusing what you can, and shopping strategically, you’ll keep expenses manageable and set your child up for success. Happy shopping! 

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