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It’s Money Matters Monday! It’s back-to-school time, and let’s be honest, those supplies aren’t always cheap.

Before you run up your credit card, keep these tips in mind.

The number one thing is to take inventory of what you spend this back-to-school season. This may shock you if you haven’t been keeping tabs on your spending.

This will give you an idea of what to expect when the bill arrives in September. It will also give you an opportunity to set up or adjust your budget so that you can pay off those bills.

Remember to pay off high-interest cards to avoid overpaying in interest.