It seems like the smoke from our Fourth of July fireworks just cleared, but if you look at the calendar you see it’s almost time for the kids to go back to school. In most places, the kids have less than thirty days of summer vacay left. And if you’ve been to the big box stores lately you know the shelves are lined with all sorts of school supplies, which means it’s time for parents to get ready to spend a big wad of money on school supplies, back to school clothes, sports fees, lunch accounts, and…