• Rachael Panteney

Back to school budget tips

Children being back to school might have an impact on our household finances.

Here are a few tips for those with children at school. Please give this a save to refer back to every term going forward to refresh your memory and budget...

Tip 1

Update your household budget

Consider the costs of any travel, lunches, extra activities, breakfast and after school clubs. Make sure you add them to your budget sheet and factor them in to your monthly expenses.

Tip 2

Plan your back to school spending

Stationary, new shoes, a new lunchbox - all these things cost money. Look to the sales or considering allocating an amount every month to save up for 'essentials'.

Tip 3

Cut the cost of school uniforms

Shop second hand and look on places like eBay and Facebook Marketplace. We're all living a more sustainable approach to life so there is no need to shy away from openly asking the school or in local Facebook groups for second hand availability!

Tip 4

Label everything!

Reduce the possibility of losing items such as bags, lunch boxes, coats, shoes, uniform etc by labelling them with your child's name.n disco!

Tip 5

Save and plan for school holidays

Family days out to theme parks can cost the same as a holiday! Parents often dread the holidays - keeping the children entertained and the financial impact of doing so. Be creative and enjoy the "free" things in life (local parks and beaches) and if you are planning on days out and holidays, consider shopping for offers and promotions or add to a separate savings pot throughout the year.

0 views0 comments

Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Privacy Policy

© 2020 by Willow Tree Financial Services. Proudly created by AMME.

Image Disclaimer: All images shown are for illustration purposes only and are not pictures of actual clients.

For reliable financial advice that is accessible to everyone; from mortgages to pensions, and everything in between.


We pride ourselves on our friendly and professional service and use our extensive market knowledge and experience to deliver a client-first approach, as standard.

Clicking the links below will depart you from the regulatory site of Willow Tree Financial Services. Neither Willow Tree Financial Services nor Quilter is responsible for the accuracy of the information contained within the linked site.

  • Facebook - White Circle
  • Instagram - White Circle