Back-to-school stress: 95% of parents report financial strain, reveals new survey
A parent at a school uniform store in Cape Town. A survey has found that school uniforms and fees continue to place the greatest strain on household budgets.
Image: Armand Hough / Independent Newspapers
Nearly all parents experience financial and emotional pressure during the back-to-school period, with 95% describing the process as stressful, according to 1Life Insurance’s annual Back-to-School Survey for the 2026 academic year.
The survey shows that 80% of families face financial setbacks when preparing for school, often forcing difficult compromises. While the figure remains high, it reflects a modest improvement from 88% recorded in the previous year.
Key Findings:
- School uniforms and fees continue to place the greatest strain on household budgets, identified as the most expensive costs by 62% of respondents, down from 75% in 2025.
- Stationery accounted for 28% of responses, while 9% cited expenses related to extramural activities, transport, and food. Only 1% said back-to-school costs were not a concern.
Rising living costs have compounded the challenge. According to the survey, 70% of families spent more during the 2025 academic year than the year before, largely due to higher transport, food, and stationery prices.
Despite this, the findings point to growing resilience among parents. Nearly a third of respondents (28%) reported that their budgeting had improved year on year, while 45% said they were confident they would be able to afford their children’s education over the next two years.
Parents are also adopting practical strategies to manage expenses. About 37% compare prices when buying school essentials, 21% reuse supplies from previous years, and 17% rely on bonuses to cover back-to-school costs. Another 15% spread expenses by buying supplies gradually throughout the year, while 10% use savings or monthly income.
“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,” said Hayley Parry, money coach and facilitator at 1Life’s Truth About Money. “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 said education costs continue to affect families even where no-fee schools and bursaries are available. “Sending children to school comes with costs that many families feel deeply, even when no-fee schools and bursaries are available,” she said. “This is why it’s important for parents and caregivers to plan their money carefully throughout the year.”
She added that understanding household expenses, applying to schools on time, and seeking financial support where possible can help families avoid debt and reduce stress.