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Preparing for a new school term in Ghana involves more than just buying books and uniforms. It requires careful planning for various expenses such as PTA dues, transportation, textbooks, food money, and exam fees. These costs can quickly add up to over GH₵1,000 per child, which can be a significant burden for families relying on a single monthly salary. This guide offers tips on how to manage school expenses efficiently, find affordable options, and handle unexpected fees without disrupting your household budget.
Begin with a Comprehensive Checklist of Essential Items
In Kasoa, Ghana, households spend approximately GH₵793 per year on education at public schools, while costs at private schools can exceed GH₵1,200.
To stay within budget, start by listing down all expenses – both major and minor. It’s important to jot down actual prices instead of relying on memory.
A typical shopping list for a junior high student may include:
● Two sets of school uniforms – GH₵180 (GES-approved price)
● Black school shoes – GH₵90–150
● Twelve exercise books – GH₵60–100
● Pens, pencils, ruler, eraser – GH₵40–70
● Backpack or school bag – GH₵80–150
● PTA dues – GH₵30–50 per term
● Transport – approximately GH₵10 per day
● Daily food or snack money – GH₵5–10 per school day
● Extra classes or exam prep – GH₵100–200 per term
● Project or practical fees – GH₵40–100 mid-term
These figures may vary based on your child’s level and school requirements. Private schools and SHS students often have additional expenses.
Assess Your Existing Supplies at Home
Before purchasing new items, check if your child can still use things from the previous term. Many parents replace items unnecessarily, leading to additional spending.
Begin with clothing and shoes. If the attire still fits and is in good condition, there’s no need to buy new ones. Simple repairs or cleaning can extend their lifespan. Similarly, inspect bags, pencil cases, math sets, and leftover stationery. Reusing certain items can save you GH₵150 or more.
Also, review textbooks. Some subjects remain unchanged annually, allowing you to borrow or purchase pre-owned copies from other parents at a lower cost.
Divide Large Expenses into Smaller Weekly Purchases
Instead of trying to buy everything at once a week before school starts, consider spreading out your purchases over several weeks or months to avoid depleting your entire salary at once.
If you initiate school supply shopping six weeks before school begins, your schedule may look like this:
● Weeks 1–2: uniform and shoes
● Weeks 3–4: textbooks and stationery
● Week 5: replenish budget for food and transportation
● Week 6: PTA dues
This approach helps prevent the need for loans, late payment fines, and last-minute stress. It also provides time to search for better prices.
Shop Wisely and Compare Prices
The cost of school supplies in Ghana can vary significantly depending on the shopping location. Branded stores are not always necessary – local markets and wholesale outlets often offer quality items at lower prices.
Here are some money-saving tips:
● Stationery and books: Purchase in bulk at Makola Market, Kaneshie, or Adum. Buying a dozen exercise books is cheaper than individual copies.
● Uniforms: Having them tailor-made can be more cost-effective. Tailors may charge GH₵40–50 per set if you provide the fabric.
● Shoes and bags: Shop early in the season at local markets. Prices tend to rise closer to the school reopening date, while some vendors offer better deals in November and December.
● Secondhand options: Gently used shoes and bags are often half the price, but ensure they are still durable.
Always compare prices before making a purchase and avoid store credit unless you have a repayment plan in place.
Allocate Funds for Unexpected Expenses
Even with proper planning, unforeseen costs may arise. While they may not be essential, delaying payments can impact your child’s education.
These unforeseen expenses may include:
● Printed handouts, project materials, and exam fees
● Additional tutoring for subjects like math or English
● Transport for sports events or school trips
To handle such situations, set aside a small amount regularly. Even GH₵20–30 per month can be significant. Keep this money separate for school-related expenses in a paper envelope or a MoMo wallet.
What to Do If You Encounter Unexpected School Bills
If faced with an urgent school expense and lacking funds, consider these practical options:
● Borrow from a trusted individual. A family member, neighbor, or colleague who understands your pay schedule may be willing to assist without charging interest.
● Utilize SUSU or workplace savings. Many groups allow one-time withdrawals for educational purposes.
● Apply for a small, regulated loan. Ensure the lender is licensed and verify the total repayment amount before accepting the loan.
Tip: If you encounter a mid-term fee with insufficient funds, only opt for short-term assistance before your payday if you are certain you can repay it. Depending on loans for regular school expenses should be avoided whenever possible. Instead, consider saving small amounts each month.
Begin Saving Early for the Next Term
After managing the current term’s expenses, make the next one more manageable by setting aside a small sum each week. Saving GH₵10 weekly accumulates to GH₵120 in three months, providing a head start for the upcoming school term. You can store the money in a simple savings box at home or join a SUSU group. Consistency in saving is key, regardless of the exact amount.
Conclusion
The back-to-school season doesn’t have to strain your finances. With thorough planning, strategic shopping, and consistent budgeting, you can fulfill your child’s educational requirements without stretching your budget too thin. This approach not only ensures financial stability for your family but also guarantees that your child is well-prepared for the new school term.
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