Back-to-School Money Savings Tips That Deserve an A+

8/5/2025
back to school = back on track

Back-to-school season is here, and USF Credit Union is ready to help you reset and refresh your finances for a strong start. Whether you’re heading back to class, helping your kids gear up, or easing into the rhythm of fall, it’s the perfect time to simplify your budget and stress less.

Our Game to Get Fit series is back—bringing you simple, effective tips to get your finances in shape.

8 Tips to Start the School Year Right

  1. Revisit & Revise
    Review your summer spending and plan for new school costs. Make adjustments now to stay on track as fall expenses ramp up.
  2. Cut the Extras
    Drop unused subscriptions and sell items collecting dust to free up extra cash for school needs or savings goals.
  3. Shop Smart
    Think beyond notebooks! Back-to-school sales are a great time to score deals on tech, home goods, and everyday essentials.
  4. Use It or Lose It
    Many credit card and loyalty points expire at the end of summer. Redeem now for gift cards, travel, or supplies—before they disappear.
  5. Automate Your Savings
    Set up automatic transfers to your savings or debt-paydown accounts. It's a hands-off way to stay consistent and build momentum.
  6. Rainy Day Fund
    Got leftover vacation cash or a bonus? Add it to your emergency fund. A little cushion now can go a long way later.
  7. Plan for the Holidays
    Start planning early with a clear budget to avoid last-minute stress and stretch your dollars further.
  8. Check Your Credit Report
    Look for errors or outdated info on your credit report. It’s a quick step that helps you stay ready for year-end planning.

Need Help Paying for School?

College costs can add up fast even when you're prepared. That’s why USF CU partners with College Ave to make education financing simple and stress-free.

Why members love it:

  • Flexible repayment options
  • Competitive interest rates
  • No origination fees or prepayment penalties
  • Quick online application with instant decision

From students to parents, College Ave has a solution that fits.

Coming Next Month: Gratitude & Generosity

In our next Game to Get Fit edition, we’ll explore how gratitude, mindful spending, and giving back can lead to stronger money habits and deeper community connections. Stay tuned!



« Return to "Blog"