Point of view: how South African families are coping with back-to-school expenses

Every January, South African families brace themselves for the financial and emotional strain of back-to-school preparations. The 1Life Insurance annual Back-to-School Survey for 2026 confirms what many parents already know: this season is one of the most stressful on the household calendar. A staggering 95% of respondents admitted that preparing for the academic year was stressful, underscoring the emotional toll that education costs continue to place on families.

The survey reveals that 80% of households experience financial setbacks during this period, often forcing compromises that undermine long-term wealth-building goals. While this figure is slightly better than last year’s 88%, the reality remains that school uniforms and fees are still the most expensive items for 62% of parents, followed by stationery at 28%, and extramural activities, transport, and food at 9%. Only 1% of respondents said these costs were not a concern.

This paints a sobering picture: rising costs for essentials meant that 70% of families spent more in the 2025 academic year compared to the previous year. Yet, amid these challenges, there are encouraging signs of resilience. Nearly a third of respondents reported improvements in their budgeting, and 45% expressed confidence in their ability to afford their children’s education over the next two years.

Parents are adapting in practical ways. 37% compare prices when shopping for stationery, 21% reuse supplies from the previous year, and 17% use their bonuses to cover costs. Others stock up gradually throughout the year or dip into savings and monthly earnings. These strategies reflect a growing determination to prioritise education despite economic pressures.

I can relate to this shift in behaviour. Last December, I bought my children’s school supplies after spotting a special at one of the major retailers. By planning and taking advantage of seasonal promotions, I managed to ease the financial burden that usually comes with January’s rush. That small act of foresight brought real relief, and it’s a reminder that timing purchases strategically can make a meaningful difference for families under pressure.

As Hayley Parry, money coach and facilitator at 1Life’s Truth About Money, observes: “Although the back-to-school season remains a financial and emotional hurdle for many families, this year’s survey data shows encouraging signs of resilience. Parents are finding creative ways to manage costs and prioritise education, even in the face of rising living expenses. This adaptability is a testament to their commitment to their children’s future.”

Parry rightly points out that sending children to school comes with costs that many families feel deeply, even when no-fee schools and bursaries are available. Careful planning, understanding household expenses, and applying to schools on time are crucial steps to avoid unnecessary debt and stress.

The survey also highlights the particular strain on sole breadwinners, who often carry the full weight of these expenses. Yet even here, resilience shines through. Families are adapting, prioritising, and finding better ways to manage despite financial strain.

While back-to-school remains a hurdle, it is also an opportunity to rethink spending habits, embrace proactive planning, and build financial resilience. Education costs may be unavoidable, but with creativity and discipline, parents can turn this annual challenge into a stepping stone toward long-term financial stability.

* Maleke is the editor of Personal Finance.

PERSONAL FINANCE