Back-to-school fall rush is a huge time for retailers. In fact, the August back-to-school period is second only to the winter-holiday window (Thanksgiving-Christmas) in terms of seasonal spending. Here’s some perspective on the money matters and must-haves (including apps) for heading to college in 2015. You’ll be astonished by how much money is spent on goods beyond tuition, room and board, and textbooks. And don’t forget those downloads, they can help you with your courses, your wellness, and minding your money of course.