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INTWARI SACCOGicumbi
A parent and child preparing school supplies and a school budget at home.

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A new school term.
A calmer plan.

Bring school charges and everyday learning costs into one plan that follows your household income.

FAMILY & EDUCATION

A cost list, payment dates and a savings target.

Download preparation sheet ↓

Start with the school’s information

List the whole cost

Include school charges, books, clothing, transport and meals. Separate required items from optional purchases.

Add payment dates

Confirm the amounts and due dates with the school. Mark one-off costs separately from monthly spending.

Match the plan to your income

If income comes from harvests or trading, note when it is actually received. Leave room for other household essentials.

MAKE IT CONCRETE

Example: a school-term target

The following figures are only a learning example, not school prices or a SACCO product.

Total target
120,000 RWF
Already set aside
30,000 RWF
Still to prepare
90,000 RWF
Time available
6 months
15,000 RWF per month

(120,000 − 30,000) ÷ 6 = 15,000. No interest or charges are included.

Before the term begins

Tick what you have prepared

Ticks are not sent to the SACCO. Download the sheet to keep your own written record.

If the target does not fit

Review the plan. Speak to the school early about any options it can confirm. Before considering borrowing, understand the full cost and how repayments would fit.

Sources and further reading

Background reading on budgeting. UK rules and support schemes are not applied to Rwanda.

MoneyHelper

Reviewed: 14 September 2026