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The smartest back-to-school purchase might be the one you never make

By Kyle James of ConsumerAffairs
August 11, 2026
  • Many parents are going into debt this school year, with 70% feeling pressure to keep up and 39% expecting to borrow money.

  • Before making a purchase, ask yourself: "Will I still be paying for this after my child has stopped caring about it?"

  • Experts say letting kids prioritize one purchase, spreading out shopping, and buying secondhand can reduce costs without making them feel left out.


A new survey of 2,000 U.S. parents from Beyond Finance found that 70% feel pressure to keep up with other families during back-to-school shopping, and many are taking on debt simply to make sure their children don't feel left out. Nearly 39% expect to take on debt this year, while 38% are still paying off debt from previous school years.

To better understand what's driving these spending habits, ConsumerAffairs interviewed Dr. Erika Rasure, Ph.D., Certified Financial Therapist and Chief Financial Wellness Advisor at Beyond Finance. Dr. Rasure says the biggest challenge facing many parents isn't inflation alone, but the emotional pressure to help their children fit in.

"The real danger is when an emotional concern like, 'I don't want my child to feel embarrassed, left out, ashamed, or bullied,' turns into a financial trap disguised as an act of love," she told ConsumerAffairs.

Parents are taking bigger financial risks

The survey found many families are turning to increasingly risky ways to pay for back-to-school expenses.

  • 61% admit to buying something just so their child would fit in.

  • 39% plan to take on debt.

  • 23% plan to use Buy Now, Pay Later services.

  • 15% expect to use personal or payday loans.

  • 12% have pawned possessions.

  • 8% admit they've even gambled to cover school costs.

For Dr. Rasure, these numbers show how quickly emotional decisions can become financial ones if we arent paying attention.

Making a temporary sacrifice (like cutting back on eating out) to afford the shoes your child has been asking for is very different from financing those same shoes while already carrying credit card debt.

"At that point," she said, "a temporary sacrifice can become long-term financial self-sabotage."

Eventually, those financial consequences start to affect the entire family.

One question every parent should ask

Specifically, before buying another backpack or pair of sneakers this year, Dr. Rasure recommends asking yourself one simple question: "Will I still be paying for this after my child has stopped caring about it?"

"If the answer is yes," she said, "that's a good sign to reconsider."

It's an easy question, but one that shifts the focus from today's emotions to tomorrow's finances. The takeaway being that a trendy backpack may be forgotten by Thanksgiving, but the debt could still be lingering as far away as next summer.

Parents may be buying things their kids don't even want

One of Dr. Rasure's biggest observations is that parents often spend money based on assumptions, rather than actual conversations with their kids.

"Assumption is expensive," she said. "Parents frequently assume their child needs a certain brand because everyone else is buying it. But that assumption may have more to do with the parent's own anxiety than the child's actual preferences.

"Sometimes parents are financing an insecurity their child never asked them to carry, let alone solve," she said. Instead of guessing, Dr. Rasure recommends asking your child what actually matters to them.

Her own family takes an approach that may surprise parents. Rather than buying everything before school starts, she purchases only the essentials. Then she encourages her children to spend the first few weeks observing what classmates are actually wearing, using, and talking about. Only then do they decide whether additional purchases are worthwhile.

"What appears to be 'trending' before school starts often looks very different once kids are back in the hallways," she said.

Sometimes the item children care about most isn't even expensive.

"A $6 NeeDoh or a $4 EOS lotion tucked into a backpack might matter infinitely more to your child than a $98 pair of Lululemon leggings," Dr. Rasure said. "The point is to spend based on what your child actually values not on what you assume they need."

Three ways to spend less without making your child feel left out

  1. Let your child choose what matters most. Rather than buying ten new items, ask your child which single purchase matters most.

    Maybe it's the shoes. Maybe it's the backpack. Maybe it's a hoodie. Giving children a voice doesn't just help prioritize spending, but it also teaches them how to make thoughtful financial decisions.

    "They begin to understand they can make decisions about money rather than feeling like money is making decisions for them," Rasure said.

    Pro tip: Give your child a fixed budget of something like $25 or $50, and give them the freedom to spend the money on the one item they care about the most. By approaching it this way, not only will they feel heard, but you'll avoid spending hundreds on things that matter way less.

  2. Don't do all your shopping at once. Back-to-school shopping doesn't have to happen in a single weekend. Buy what your child truly needs to start the school year, then spread out additional purchases over the following weeks or months.

    Preferences often change after students are back in class, and some items can become birthday or holiday gifts instead. Spacing out purchases also gives families more breathing room in their budgets.

    Pro tip: Wait until your child's teacher releases the official supply list before stocking up. Buying too early often leads to duplicate purchases or the wrong notebooks, folders, and classroom supplies.

  3. Make smart spending something to be proud of. Dr. Rasure says parents shouldn't apologize for buying secondhand, reusing last year's backpack, or shopping resale sites. Instead of saying, "We can't afford something better," she suggests reframing the conversation.

    Parents can try saying something like, "We're deciding together what is worth spending our money on." Children absorb their parents' attitudes toward money.

    "If we treat financially responsible choices as embarrassing or shameful, they may learn to experience them that way too," she said. "But if we treat those choices as normal, thoughtful and intentional, we give our children something far more valuable than a new backpack."

    That lesson, she says, is confidence. "We teach them how to talk about money without shame, trust their own financial decisions, and understand that being intentional with money is something to feel confident about."

In the end, that may be a lesson just as valuable as anything they'll learn in the classroom this school year.



Posted: 2026-08-11 21:32:20

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Consumer News: Want a career edge in the AI era? Build these human skills
Tue, 11 Aug 2026 19:07:16 +0000

As AI changes the workplace, experts say critical thinking, adaptability, and ethical reasoning could give college graduates an edge

By Kristen Dalli of ConsumerAffairs
August 11, 2026
  • Critical thinking, communication, adaptability, and ethical reasoning could become even more valuable as AI takes on more routine tasks.

  • Knowing how to use AI may become a basic workplace expectation, while knowing how to question and apply its output could set workers apart.

  • Experts say college can help students build durable human skills that remain valuable even as technology and jobs continue to change.


Artificial intelligence is changing the way people work, but that doesnt necessarily mean a college degree is becoming less valuable. Instead, the rise of AI may be shifting which skills employers value most.

As AI tools take on more routine tasks, workers may need to bring something technology cant easily replicate: the ability to think critically, ask the right questions, solve complex problems, and make thoughtful decisions about how technology should be used.

ConsumerAffairs spoke with Andy Chan, vice president for innovation and career development at Wake Forest University, who explained that durable human skills can give students an advantage regardless of what they choose to study. In an increasingly AI-driven job market, knowing how to use technology is only part of the equation knowing when, why, and whether to use it may be even more important.

Fostering human skills

Whether youre a recent grad just entering the job market, or a seasoned expert in your field looking for a new opportunity, Chan recommends fostering human skills.

The top of his list? Critical thinking.

AI can give you answers very quickly. But it still takes a thoughtful human being to determine whether it is answering the right question, whether the answer makes sense, and what to do with it, he said.

Id add communication, relationship-building, empathy, creativity, ethical reasoning, and self-awareness. And increasingly, I think adaptability, initiative, and patience are essential. Employers want people who can figure things out, work well with others, learn quickly, and actually get things done.

While these have often been referred to as soft skills over the years, Chan thinks this has always been a terrible description.

There is nothing soft about them, he said. In an AI-enabled workplace, they may actually be the hardest and most valuable skills to develop.

Combining AI and human skills

For many college students, learning how to effectively use AI has been a big part of their college experience. But balancing that with the human skills necessary for the workforce can be challenging.

Chan advises students not to take an either/or approach.

You absolutely need to learn how to use AI. But knowing how to use AI will increasingly become a basic expectation, much like knowing how to use a search engine, a spreadsheet, or a calculator, he said.

The differentiator will be what you bring to the technology. Can you recognize a problem worth solving? Can you ask a better question than someone else? Can you tell when the AI is wrong? Can you understand another persons needs? Can you persuade people, build trust, make a difficult judgment call, or come up with an idea nobody else has considered?

Chan explained that students can hone those capabilities from reading, writing, discussing difficult ideas, working with people who are different from you, trying things, making mistakes, reflecting on what happened, and having real experiences in the world.

You can learn so much from the experience, perspective, and wisdom of elders even those just a few years older than you, he said. College is an extraordinary place to develop those abilities. Students shouldnt outsource that precious opportunity to AI.

Taking your skills to the job market

Another factor that college students should consider is that the classroom may be the best place to start honing these skills for long-term success in the job market.

The great advantage of developing these skills in college is that they are durable, Chan said. Technologies will change. Jobs will change. Some of the technical skills students are learning today will undoubtedly become obsolete just as they have before.

But the ability to learn, think, communicate, collaborate, exercise judgment, and adapt will grow within you throughout your career. The stronger your foundation built in college, the higher your potential trajectory will be.

Preparing students for their futures

Though there is a great deal of fear around AI in business, schools, and society, Chan sees it as a great opportunity to develop students into more thoughtful people.

I believe that AI is actually making a great education and particularly the kind of broad education that develops the whole person, like we aspire to provide at Wake Forest University more valuable, not less, he said. The best college education should prepare students not just for their first job, but for a lifetime of work, learning, relationships, contribution, and change.

AI is extraordinarily good at helping us with the how. But human beings still have to wrestle with the what, the why, and the should.

Read More ...


Consumer News: Plant-based diets may not hurt athletic performance, study finds
Tue, 11 Aug 2026 19:07:15 +0000

New research suggests recreational athletes can swap meat for plants without sacrificing strength or endurance

By Kristen Dalli of ConsumerAffairs
August 11, 2026
  • Recreational runners performed similarly on plant-based and omnivore diets.

  • Resistance trainers saw no statistically significant difference in strength.

  • Researchers say longer studies are needed to understand the effects over time.


For people who exercise regularly, switching to a plant-based diet can raise an important question: Will cutting back on meat affect performance?

A new study from researchers at four universities suggests that, for recreational athletes, the answer may be no at least over the short term. The study found no statistically significant differences in endurance or strength when participants followed plant-based and omnivore diets for four weeks each.

The research comes as athletes and other active people navigate conflicting claims about whether plant-based diets can provide enough protein and calories to support exercise. Rather than looking at professional athletes, researchers focused on recreational college athletes who regularly used university dining halls.

Popular social media claims frequently spread misinformation that plant-based diets fail to provide enough calories or protein to meet the demands of exercise, researcher Peggy Policastro said in a news release.

The study specifically sought to test these claims by examining recreational student athletes who rely on university dining halls for most of their daily meals.

How researchers compared the diets

The study included 36 undergraduate students from Rutgers University, Stanford University, Vanderbilt University and the University of Reading in England. Sixteen participants were recreational runners, while 20 were resistance trainers. All exercised three or four times a week.

Each participant completed two four-week diet phases in randomly assigned order. During the omnivore phase, participants were asked to eat at least two servings of animal protein each day. During the plant-based phase, they replaced meat with at least two servings of plant protein, such as beans, tofu, or plant-based meat alternatives.

Participants tracked their food intake at least three days a week and were asked to maintain their usual exercise routines. Runners completed a 12-minute run, measuring how far they could travel, while resistance trainers completed three-repetition maximum tests for the chest press, lat pulldown, and leg press.

What the results mean for consumers

The runners covered an average of nearly 2,658 meters during the omnivore phase and about 2,622 meters during the plant-based phase a difference of roughly 36 meters. Resistance trainers had a combined strength measurement that was about 4% lower during the plant-based phase. Neither difference was statistically significant.

There were nutritional differences between the diets. Participants consumed about 71 grams of protein per day during the plant-based phase, compared with 103 grams during the omnivore phase.

The plant-based diet also contained more carbohydrates, fiber, iron, and calcium, while the omnivore diet contained more saturated fat, cholesterol, and vitamin B12. Reported calorie intake was similar.

This is important because it shows that everyday athletes can safely choose plant-based foods without worrying about harming their fitness or strength goals, Policastro said. These findings provide evidence-based support for colleges to comfortably expand healthy and environmentally friendly plant-based menu options for their active student populations.

However, its also important to note that the study was small and lasted only eight weeks. The researchers noted that it cannot determine how plant-based eating might affect elite athletes or performance, muscle development, and recovery over months or years.

Read More ...


Consumer News: More sleep could mean better grades, study finds
Tue, 11 Aug 2026 19:07:15 +0000

A new experiment suggests small incentives may help college students sleep longer and perform better academically

By Kristen Dalli of ConsumerAffairs
August 11, 2026
  • College students in a new study increased their sleep by about 19 minutes a night when offered small financial rewards for meeting a seven-hour sleep goal.

  • Students who received the sleep intervention saw their average course performance increase by up to 0.089 grade points.

  • The biggest academic benefits were seen among freshmen and in STEM courses, while students also spent less time on screens at night.

Pulling an all-nighter to study may feel like a necessary part of college life, but new research suggests that getting more sleep could be a better strategy.

A study published in the Journal of Political Economy looked at whether encouraging college students to get more sleep could also improve their academic performance. At the start of the study, participants slept an average of just 6.6 hours per night, and only 43% were getting at least seven hours on weeknights. More than 85% missed that seven-hour mark on at least one school night each week.

Researchers wanted to see whether a relatively simple intervention could help students change those habits and whether the extra sleep would translate into better grades.

How the sleep experiment worked

The researchers conducted a field experiment involving more than 1,100 university students in the U.S. Participants' sleep was tracked using Fitbit devices, while a custom smartphone app provided bedtime reminders, morning feedback, and for some students, financial incentives.

Students in the primary incentive group could receive about $4.75 per night for getting at least seven hours of sleep, with their sleep verified through the Fitbit trackers. The researchers also tested different combinations of reminders, feedback, and incentives, including immediate versus delayed rewards.

Participants completed weekly surveys covering areas including how they spent their time, stress, and mental health. They also completed tests involving creativity and quantitative problem-solving, allowing researchers to examine whether changes in sleep were accompanied by changes in other areas of students' lives.

Students slept longer and their grades went up

During the four-week intervention, the share of weeknights when students got at least seven hours of sleep increased by 26%. On average, students slept about 19 minutes longer each weeknight. Some of that improvement stuck around after the incentives ended, with students still sleeping about eight additional minutes per night.

Academic performance improved, too. Students receiving the primary intervention earned semester course grades that were 0.075 to 0.089 grade points higher on average.

The effects were concentrated among freshmen and were particularly noticeable in STEM courses and classes held around midday. Students also developed more regular sleep schedules, reduced nighttime screen use, and shifted some studying from late evening to morning without changing their overall study time.

For students trying to balance studying with everything else college demands, the findings suggest that sacrificing sleep isn't necessarily the best way to squeeze in more academic work.

Our results show that helping students sleep more and sleep better can boost academic performance just as effectively as traditional academic interventions, but at a fraction of the cost, researcher Osea Giuntella said.

Read More ...


Consumer News: New Mexico court victory puts Meta under mounting legal pressure over child safety
Tue, 11 Aug 2026 16:07:13 +0000

The latest order brings Meta's total liability in the New Mexico case to $942 million

By Mark Huffman of ConsumerAffairs
August 11, 2026
  • Meta now faces $942 million in penalties and court-ordered remedies in New Mexico after a judge found its platforms constituted a public nuisance that harmed children.

  • Meta says it disagrees with the ruling and plans to appeal, maintaining that it works to protect young users and that the case misrepresents its safety record.

  • The decision could have consequences far beyond New Mexico, giving states a potential roadmap for using consumer-protection and public-nuisance laws to challenge how social media platforms are designed.


Meta is facing one of its most consequential courtroom defeats over child safety after a New Mexico judge ordered the Facebook and Instagram parent company to pay an additional $567 million and make changes intended to reduce harms to young users.

The latest order brings Meta's total liability in the New Mexico case to $942 million, following a $375 million jury verdict in March. New Mexico became the first state to prevail at trial against a major technology company in a case accusing it of misleading consumers and endangering children.

The financial penalty is substantial, but the potentially bigger threat to Meta is what the case could mean for the way its products operate and for similar lawsuits elsewhere.

What the court ordered Meta to do

The latest ruling came from Judge Bryan Biedscheid following the second phase of New Mexico's case. The court concluded that Meta's platforms constituted a public nuisance and contributed to harms affecting children and the wider community.

The $567 million is intended to fund efforts addressing those harms. According to the Associated Press, about $420 million is earmarked for youth treatment services, while additional money will support prevention and other programs. The ruling also calls for reforms involving age verification, addictive platform features, and measures aimed at combating child sexual exploitation.

That comes on top of the jury's March verdict.

After a lengthy trial, jurors found Meta liable under New Mexico's Unfair Practices Act for unfair or deceptive and unconscionable trade practices. They assessed the maximum $5,000 penalty for each of 75,000 violations, resulting in $375 million in civil penalties.

The state's case relied on internal Meta documents, testimony from former employees and experts, and evidence concerning how Facebook and Instagram operate. New Mexico argued that Meta knew about risks involving child sexual exploitation and young users' mental health while publicly portraying its services as safer than they actually were.

Meta plans to fight the ruling

Meta isn't conceding the case.

The company says it will appeal the latest decision and has defended its efforts to protect young people online. Meta maintains that it works to remove harmful content and bad actors and disputes New Mexico's characterization of its safety practices.

That means the $942 million liability and some of the court-ordered changes could remain tied up in litigation.


New Mexico court victory puts Meta under mounting legal pressure over child safety

Photo By CNET

Read More ...


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