Download Back-to-School Tips
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Due to COVID-19, how and when students return to school will be different. Back-to-school shopping may be a different experience, too. We created these quick tips for parents and their student shoppers to help you save money and make smart financial decisions.
Make a list and create a budget.
- Help kids make smart decisions when choosing which supplies to buy. Get the teacher’s supply list and then educate children about how to create a budget based on how much they have to spend and what they need to get. Whether you shop online or in-store, stick to the list and the budget
In-store retail must limit the amount of people who can be indoors to ensure physical distancing. Wear a face covering, stay 6 feet from others, and follow other store protocols.
- Use websites, smartphone apps and social media to research products, compare prices, and find sales and discounts. Avoid entering your personal information to get a coupon—some scammers use the promise of discounts to steal your information.
- Avoid entering your personal information to get a coupon—some scammers use the promise of discounts to steal your information.
Look for prices
- Stores must post prices either on the item or on a sign where the item is displayed.
- It is illegal to charge more than that posted price.
Beware of price gouging.
- It is illegal for businesses to charge excessive prices for goods or services essential to health, safety, or welfare during a declared state of emergency in New York City.
- Goods or services include disinfectants, soap, cleaning products, diagnostic products and services, and medicines.
You can file an overcharge complaint with the NYC Department of Consumer and Worker Protection (DCWP).
or call 311 and say “overcharge.” Be sure to include your receipt with your complaint.
Ask for a receipt and save it.
- In New York City, you are entitled to a receipt automatically for purchases of more than $20 and upon request for purchases between $5 and $20.
- Protect your personal information—by law, a customer’s receipt must not show the credit card’s expiration date or more than its last five digits.
Check store refund policies.
- Stores must post a sign detailing their policy. If they don’t, you are entitled to a refund within 30 days of your purchase.
Protect yourself when shopping online.
- If you are planning to do your back-to-school shopping online, make sure to shop on secure websites only.
- Use familiar websites or research and read reviews of new websites and check that links start with https (not just http; the “s” stands for secure) or have a padlock icon.
- Avoid typing your personal information when using unsecured Wi-Fi.
- Don’t click on links in unsolicited emails or on social media sites—type the address directly into your browser.
- Visit OnGuardOnline.gov for more information on how to be safe, secure, and responsible online.
Beware of scams involving remote learning.
- Be on alert if someone contacts you claiming to be from the NYC Department of Education (DOE) to request money in exchange for a product or service for a student. This is a scam.
- Do not click on any links in emails that do not come from official DOE email addresses.
- Any product or service offered by DOE during COVID-19, such as a laptop or a remote learning account, is provided at no cost.
- Learn more about remote learning at schools.nyc.gov/learn-at-home.
Teach your children about credit and how it works.
- Explain that credit cards are not “free money,” and that what you pay for with the card must be paid back with interest.
- Teach them about paying minimum balances versus the full balance and about the consequences of using a credit card irresponsibly.
Get free financial counseling by phone
- Visit nyc.gov/TalkMoney to schedule an appointment with a professional financial counselor from the City’s Financial Empowerment Centers.
- Work with your counselor to:
- manage sudden changes to your budget or income and set up a spending plan;
- open a bank account to set up direct deposit;
- contact creditors;
- and more.
Financial counseling is free and confidential, regardless of income or immigration status, and offered in multiple languages.
Know your rights and responsibilities when it comes to student loans.
- Whether you are considering student loans for yourself or your child or already have student loan debt, be sure to read DCWP’s tips and resources at nyc.gov/StudentLoans.