Can you believe that it is back to school time already?  Where did the summer go?? We are in full back-to-school mode here, which means shelling out a ton of time, not to mention cash, in getting new clothes, school supplies, sports equipment, and books – the list goes on and on! It’s also a crazy time for us as a family as we try to get back into some reasonable routines (and bedtimes) for waking up, having breakfast, and generally getting ready to be on a more rigid schedule again. For us, that means…