It’s the most wonderful time of the year for parents of school-aged children! But is it really? With the happiness of sending kids back to school comes the concern about the cost of it all. Each year the cost of clothing and school supplies goes up as schools put more and more of the cost back onto the parents. And those school supplies lists aren't getting any shorter! Janet Gray — Financial Planner and Money Coach — offers up a few great money-saving tips we can all apply …