Secondary school is not just a big deal for pupils who are saying goodbye to their primary school days, it is also a big deal for parents.
We're not talking about the idea that their little girl or boy is a now in second level education, though.
No, we mean the change in costs for parents in comparison to primary schools.
According to a report released by the Irish League of Credit Unions, the average yearly cost of sending your child to primary school is €999, while it's €1,379 for those with kids in secondary school.
Not surprisingly, many parents find themselves struggling to cover the cost, and some will look to money lenders to help bridge the financial gap.
But what is costing so much? And how can we save a few bob?
1. Books: €200
Parents responding to the survey estimated that they would spend an average of €200 on school books. Thankfully, there are ways parents can cut down on the cost. For one, there are plenty of shops that sell secondhand books - you just have to be quick to get the good stuff. Alternatively, talk to parents with kids in the year above yours and buy the books directly from them.
2. Uniforms: €179
Unfortunately, many uniforms these days have logos so you are forced to pick them up in specialist uniform shops. However, items without a logo, like polo T-shirts, socks, blouses/ shirts can all be picked up from your local supermarket for half the cost. And depending on the school policy, skirts or trousers can also be picked up cheap enough if you shop around. If, however, your child's uniform is only available from a specialist shop, get in touch with the school and enquire about whether they do secondhand sales.
3. Lunches: €175
Your child is going to be in school for a lot longer once they reach secondary school, which means they will need a bigger, more substantial lunch. However, there are plenty of ways you can cut down the cost of the lunch bill. For one, avoid giving them money to go to the shop - every €5 adds up - and get them to bring in a packed lunch. If there are microwaves available, give your teen leftovers from dinner, or if not, even a homemade sandwich will help to cut costs.
4. Transport: €175
Pick up a smart saver pass for your child and encourage them to use public transport to get in and out of school. Alternatively, arrange a car pool with friends and neighbours. Both of these will help to cut the cost of petrol and car maintenance right down. If you live close enough, why not invest in a bike for your teen and encourage them to cycle on dry days (or buy some wet gear and get them cycling all year round)?
5. Voluntary contributions: €172
Voluntary contributions differ a lot from school to school, but on average, parents are expecting to pay at least €172. If you are struggling with the cost of the contribution, talk to the school about their payment options; can you, for instance, pay in instalments via direct debit or standing order?
While cuts can be made to help a budget go further, there are still a number of things that you simply can't avoid buying. And for those who have no option but to borrow, credit unions offer straightforward and fair back-to-school loans, and will work with their members to ensure loan repayments suit their individual circumstances.
