As the beginning of fall semester draws near again, how will you plan to shoulder the costs of back-to-campus spending? Don’t think that the ‘emergency only’ credit card can fund a weekly night in with friends for pizza and beer! A little planning of your payment strategy can help you prepare for the expenses you know about as well as a few you might want to anticipate – like forecasting a replacement for that ancient laptop on its last legs. Lay out your ideas now to avoid getting sunk by last minute expenses of all kinds – and make it to the holidays with a little extra in your pocket.