It’s a great time of year to teach your kids about money. Why? It’s “Back to School” time. Kids want all kinds of things when going back to school, and figuring out needs vs. wants is key. That’s why coming up with a budget is the way to go. The good news is that total back-to-school spending will be down 10 percent this year, according to the retail industry. You’ll save even more if you wait until after school starts, when retailers have marked down items to get them off the shelves. Not to mention the fact that you’ll buy what your kids need, not what they want.