Starting Fresh: A Back-to-School Guide to Feeling Good About Your Money

Starting Fresh: A Back-to-School Guide to Feeling Good About Your Money
Simple tips and smart habits to help teens save, spend, and thrive this school year

Going back to school is exciting: new classes, seeing friends, maybe even new clothes or gadgets. But it can also be stressful—especially when it comes to money. Between snacks, supplies, and hanging out with friends, expenses can add up fast. The good news? You don’t have to be a money expert to feel confident about your finances. With a few simple habits, you can start the school year feeling calm, prepared, and in control.

1. Know Where Your Money Goes

Before you spend, take a quick look at what you usually buy. Snacks, apps, clothes, school supplies—write it down for a week. Seeing it on paper helps you understand your habits and decide what’s worth spending on.

2. Make a Simple Budget

A budget doesn’t have to be fancy. Divide your money into categories like:

• Needs: Supplies, lunch, school trips

• Wants: Snacks, movies, gaming

• Savings: For bigger goals or emergencies

Even setting aside a little for savings can make a huge difference over time.

3. Look for Deals and Discounts

Students often get discounts! Whether it’s clothes, apps, or food, check for student pricing or sales before buying. A little research can save more than you think.

4. Save Before You Spend

Try saving a portion of any money you get—allowances, gifts, or part-time work—before spending. Even $5 a week adds up. Having savings gives you freedom and peace of mind.

5. Treat Yourself Wisely

It’s okay to enjoy your money! Just make sure your treats don’t ruin your budget. A small reward for sticking to your plan can keep you motivated.

6. Learn as You Go

Money skills aren’t something you get overnight. Mistakes will happen, and that’s okay. Every purchase is a chance to learn how to manage your money better.

Starting school doesn’t have to be stressful, and your money doesn’t have to feel like a problem. By keeping it simple, staying mindful, and making small changes, you’ll feel more confident, prepared, and ready to enjoy the year.

Remember: Feeling good about money isn’t about having a lot—it’s about feeling in control. Start fresh this school year, and your future self will thank you!