5 ways to save on your children’s extracurriculars

But all that enrichment comes at a cost. And these nonessential additions to the household budget can be expensive to keep up with — especially when you have multiple children with multiple interests.

Huntington Bank and Communities in Schools’ 2019 Backpack Index estimates extracurricular fees average about $150 for elementary students, $250 for middle school students and $350 for high school students. Of course, there are parents who spend much more.

If the cost of after-school activities concerns you, consider these ways to make them more affordable.

These money-saving tips will help you keep the kids happy without upsetting your finances.

1. Turn to government or nonprofit programs

Before signing your kids up for private music lessons or a traveling sports league, check to see if there are similar offerings located at or sponsored by your local:

School

Church

Library system

YMCA

Boys and Girls Club

Police Athletic League

Girl Scouts/Boy Scouts

United Way

Salvation Army

City or county parks and recreation department

Community college

2. Ask about discounts

Be thrifty and save where you can by asking the activity provider about discounts. Is there a trial period where your kid can take a class or two for free before signing up for the season? Can you get a discounted rate for being a returning participant, enrolling more than one child or recommending another family to sign up?

Some programs offer a reduced rate if you register before a certain date, if you sign up for a package of sessions or if you volunteer to coach. Others offer scholarships or set their prices on a sliding scale based on income. You might want to ask if the organization will allow you to set up a payment plan rather than requiring all the money upfront.

Pro tip: Check discount sites like Groupon or Living Social for current deals on activities.

3. Reduce the other costs of after-school activities

The cost to enroll your child in an activity is rarely the only expense you’ll encounter. Equipment, supplies, uniforms, fundraisers, travel and performance tickets can greatly increase your investment.

Find ways to lower these additional costs whenever possible. Arrange a carpool with team members. Buy secondhand equipment and attire. Limit the family members who attend smaller performances throughout the year, and save up so everyone can attend the major show at the end of the season.

4. DIY your extracurriculars

Your kid can get the benefits of participating in an activity without it being a formal program that you pay for. Consider your children’s interests and figure out how to pursue them on an individual scale.

If your kid is into music, hit up YouTube for free tutorials. There are tons of cooking blogs with detailed recipes for those who want to master baking. Your library may provide free access to software to learn a foreign language.

Tap into your network of family, friends and neighbors to expose your child to different pursuits. Commit to teaching their kids about a skill you’ve mastered in exchange. For example, your friend could teach your kids how to play the guitar while you give their kids cooking lessons.

It might be a bigger investment in time, but you can save a lot of money by creating your own means of developing your child’s interests.

5. Talk to your kids about making sacrifices

There may be times where you simply have to say no to your kid’s request to enroll in another extracurricular activity. If you don’t have the funds and you’d have to charge expenses on a credit card, you should reevaluate things.

Parents never want to put financial stress on their kids, but it’s okay to be up-front about the limitations of your budget. This might mean having your kids choose one sport to commit to rather than two, or asking if they prefer dance lessons over vacationing at the beach next summer.

If you have teenagers, get them to contribute to their extracurricular expenses with money from babysitting, mowing lawns or a part-time job. Depending on the activity, you can challenge your child to turn their hobby into an entrepreneurial pursuit — like selling handmade bracelets at local festivals or giving piano lessons to younger kids.

Not only will this help your teens afford the extracurriculars they want, you’ll also be teaching them a valuable lesson about personal finance that’ll hopefully carry on into adulthood.

Nicole Dow is a senior writer at The Penny Hoarder. She’s a parent who’s always looking for ways to save money.

This was originally published on The Penny Hoarder, a personal finance website that empowers millions of readers nationwide to make smart decisions with their money through actionable and inspirational advice, and resources about how to make, save and manage money.