Editorial Expires Sep 10, 2026 Posted Aug 13, 2026

Late summer in Canada brings a familiar mix of changing leaves, back-to-school flyer drops, and sharp financial anxiety. Whether you are buying a second-grader a new backpack, helping a university freshman outfit an apartment, or writing a tuition cheque, financing education has become one of the most significant line items in the family budget.
With retail inflation keeping baseline expenses high and post-secondary tuition steadily creeping upward, relying on traditional "savings strategies" isn't enough. Managing these costs requires a tactical approach: combining savvy retail strategies for school supplies with federal student financial aid rules and tax-efficient RESP withdrawal strategies.Part 1: Beating Retail Inflation on Supplies, Clothing, and TechBack-to-school spending is the second-largest seasonal retail event of the year in Canada, trailing only the winter holidays. Retailers know parents are under pressure, and they price accordingly. To keep your baseline expenses under

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