For many families, the school summer holidays are a time to make new memories, spend time together and take a break from the usual routine… But they can also bring extra financial pressure and stress to some.
When children are at home for several weeks, household costs unsurprisingly can rise. Food bills go up, there’s likely to be additional travel expenses, and many parents face the challenge of finding affordable activities to keep their children entertained. For working parents, childcare costs can become one of the biggest worries.
With the cost of living continuing to affect households across the UK, planning ahead can make a real difference. Whether you’re working, receiving benefits, managing on a low income or settling into life in the UK, there are practical steps you can take to reduce financial anxiety and make your money go further during the school holidays.
Why School Holidays Can Be Expensive
Research consistently shows that many families experience higher spending during school holidays; especially the longest break; Summer. The reasons are often fairly straightforward:
- Children eat more meals and snacks at home.
- Utility bills can increase as households spend more time indoors.
- Working parents may need to pay for childcare.
- There’s pressure to organise activities, days out or treats.
- Transport costs may rise.
- The inevitable back-to-school expenses when the holidays end.
Without preparation, these extra costs can quickly stretch an already tight budget. The good news is that there are ways to plan ahead and access support if you need it.
Start Planning Early
One of the most effective ways to prepare financially is to start planning as early as possible. School holiday dates are available at the beginning of every school year so by setting aside even a small amount each week you can start to build a useful cushion. For example, saving £5 or £10 a week throughout the school term could provide valuable extra funds for activities, food or transport during the holidays.
If saving regularly feels difficult these are some helpful tips to consider:
- Using a separate savings pot or account.
- Setting up an automatic transfer on payday.
- Saving any unexpected income, such as overtime, cashback rewards or refunds.
- Putting aside loose change using a savings app.
The key is consistency rather than the amount saved.
Create a School Holiday Budget
A simple budget can help you understand what costs are likely to arise and prevent unpleasant surprises.
Start by listing expected expenses such as:
- Food and groceries.
- Childcare.
- Travel.
- Activities and entertainment.
- School uniform or back-to-school purchases.
- Household bills.
Once you have an estimate, compare it with your expected income for the period.
MoneyHelper has a great budgeting planner that can help families create a realistic spending plan and identify areas where savings may be possible. If you’re looking to create a more substantial budget, not limited to the holidays, then we’re created a fantastic guide on ‘how to create a budget’ which will give you lots of helpful hints and tips.
Remember, whatever the budget it isn’t about cutting out all enjoyment. It’s about helping you make informed choices and avoid spending more than you can afford.
Check What Support You May Be Entitled To
Many families miss out on financial support because they are unaware of what is available.
Depending on your circumstances, you may actually be eligible for:
- Universal Credit.
- Child Benefit.
- Healthy Start vouchers.
- Council support schemes.
- Free school meals.
- School holiday food and activity programmes.
If you’re unsure what support you may qualify for, use our free Benefits Calculator to find out what financial support and discounts you’re entitled to.
Don’t forget the government’s Holiday Activities and Food (HAF) programme also provides free activities and meals for eligible children during school holidays in many parts of England.
For families who have recently moved to the UK or are unfamiliar with the benefits system, local community institutions and organisations such as Citizens Advice can often provide further guidance and support.
Take Advantage of Free and Low-Cost Activities
One of the biggest worries parents face during school holidays is keeping children entertained without overspending.
Fortunately, many affordable options are available.
Consider:
- Local parks and playgrounds.
- Museums with free entry.
- Library events and reading challenges.
- Community festivals and cultural events.
- Free sports sessions organised by local councils.
- Nature walks and outdoor activities.
- Children’s workshops run by charities and community groups.
Many libraries and community centres increase their activities during school breaks, making them excellent resources for families on a budget. A quick ‘free activities near me’ Google search will soon let you know what’s going on in your local area.
Children often appreciate time spent together more than expensive attractions. Simple activities can create lasting and valuable memories.
Reduce Food Costs During the Holidays
Food spending often rises significantly when children are at home all day so planning meals in advance can really help reduce costs.
Some practical strategies include:
- Creating a weekly meal plan.
- Shopping with a list.
- Prepare packed lunches for days out.
- Cook larger portions and freeze the leftovers.
- Comparing supermarket prices as offers change all the time
- Taking advantage of loyalty cards and discounts.
If your children normally receive free school meals, check whether your local authority is part of the Holiday Activities and Food (HAF) programme we discussed earlier.
Food banks and community food projects may also be available if you’re experiencing financial hardship. For the majority of food banks you can receive a food voucher through local community organisations, schools, GP surgeries, or the Citizens Advice service. You can then redeem that voucher at a local food bank to collect a parcel designed to last at least three days.
Plan for Childcare Costs
For working parents, childcare can be one of the most expensive aspects of the school holidays. That being the case it’s worth exploring all available options well in advance.
You may be able to reduce costs through:
- Tax-Free Childcare.
- Holiday clubs run by schools.
- Local authority schemes.
- Shared childcare arrangements with family or trusted friends.
- Employer-supported childcare benefits.
Places for holiday clubs often fill quickly, so booking early can help secure more affordable rates.
If you’re receiving Universal Credit, you may also be able to claim back some childcare costs, depending on your circumstances.
Prepare for Back-to-School Expenses
The end of the holidays often brings another financial challenge: preparing children to return to school.
Uniforms, shoes, stationery and other supplies can quickly add up.
To spread the cost why not:
- Start buying items gradually.
- Watch for supermarket promotions.
- Check whether your council offers school uniform grants.
- Consider second-hand uniform schemes.
- Reuse items where possible.
Many schools and community groups now operate uniform exchanges. These initiatives are great as they not only help families save money but they also reduce waste. So it’s worth checking with your local council or child’s school to see if this is something they offer.
Planning ahead can prevent back-to-school costs from becoming overwhelming.
Avoid High-Cost Borrowing
When money is tight, it can be tempting to rely on borrowing to cover holiday expenses.
However, high-cost credit products can make financial difficulties worse in the long term.
Before borrowing, consider whether there are alternative options available, including:
- Family support.
- Local welfare assistance schemes.
- Budgeting advances (if eligible).
- Debt advice services.
If you have a history of bad credit, you may find that borrowing options are limited or more expensive. This makes planning ahead and seeking affordable sources of support even more important.
If you’re already struggling with debt, free organisations such as StepChange can provide confidential advice and help you understand your options.
Don’t Struggle Alone
Many people feel embarrassed about financial difficulties, particularly when children are involved. But the reality is that millions of households face similar challenges, especially during school holidays when expenses increase.
Seeking support early can often prevent problems from becoming more serious. If you would benefit from some additional advice, discussions about possible support or just want to have a chat with someone to help relieve financial anxiety then some useful organisations include:
These services offer free, confidential advice and can help you explore the support available.
In summary…
School holidays don’t have to mean financial stress.
While the additional costs can of course be challenging, a little planning can go a long way. Building a small savings buffer, creating a realistic budget, checking benefit entitlement, reducing food costs and making use of free local activities can all help ease that pressure.
Most importantly, remember that enjoyable school holidays don’t need to be expensive. Children often remember the time spent together, the games played, the picnics in the park and the simple family moments far more than costly days out.
If you’re worried about money, support is available. Reaching out for advice early can help you stay in control of your finances and make the most of the school holidays without taking on unnecessary financial strain.
