Congratulations! You’ve survived the summer. But can your wallet afford the high costs of back-to-school season? A 2014 survey by the National Retail Federation found that families with school-age children planned to spend an average of $669.28 on back-to-school expenses, a 5-percent increase over last year.

As the seasons change, so do your children’s sizes, activities, and school supplies. But, by using a few simple tips and tricks, you can get your children what they need—and maybe even what they want—without breaking the bank.

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Smart About Money is one of the many programs of the National Endowment for Financial Education®. NEFE® is an independent, nonprofit foundation committed to educating Americans on a broad range of financial topics and empowering them to make positive and sound decisions to reach their financial goals.