For your kids, school supply shopping is usually the best part of starting a new school year, but for you on the other hand, it's a dreaded experience. You are anxious and excited for your child to head back to school, but money is tight and you know you have to face it. Here are a few money and time saving tips:

As summer rolls by, school falls upon us, and with school comes back to school shopping for textbooks, school supplies, and new clothes. This means more spending money. There are many ways you can prepare for the new school year without spending too much.

As a teen, it is extremely difficult not to spend, spend, spend! We don’t have that much money in the first place, which makes it that much harder! If you are one of those girls that receives her monthly allowance and proceeds to blow it the very next day, I’ve got some tips for you!

Note from Carolyn - We have more money-saving words of wisdom from our 16-year old Savvy Saver this week. I love these ten commandments from Virginia Berndt! As you read these, post your own "commandments" for saving money. Even better, join the Savvy Saver group!

Here we go...