Yesterday I saw a flier for, "Back To School". Every mom feels slightly overwhelmed when "Back to School" is mentioned. There is a lot to do in order to get your kids ready for school... AND, back to school time is extremely expensive! So, you can imagine my surprise when I saw an advertisement for "Back To School".

It's not even the middle of July! I'm not ready to send my kids back to school and my bank account isn't ready either.