Spend less on school supplies

School supply lists can be long, but many items are already somewhere in your home. A little planning and patience cuts the bill.

Before you shop

• Gather last year's leftovers: pencils, scissors, rulers, half-used notebooks
• Check the list for brand names and ask if they're required
• Agree a budget with older kids for anything "extra"

While you shop

• Basics like crayons, pencils and notebooks are often cheapest during summer sales
• Plain designs cost less than characters and last longer
• Buy a quality backpack once rather than a cheap one every year
• Share bulk packs with another family

General educational information. Costs and rules vary by family, school and state. Family Nickel Saver isn't paid by any bank, plan or brand.