New jeans. Cheerleading dues. Heifers. A Texas mom shares her back-to-school bill.

Welcome to Bank of Mom and Dad, Yahoo's look at the cost of parenting — and a breakdown of what parents across America are spending as their kids head back to school. Here, guest editor Lindsey Stanberry of The Purse speaks to a mom of four in Texas shelling out thousands for cheerleading dues and Future Farmers of America costs (those heifers and semen straws add up, folks). "The cost of everything is not easy," she says. Check out her receipts below.

We own a business and a small ranch in east Texas. My husband works in the oil-and-gas industry. We have four children, and we are just trying to teach them the value of hard work and financial literacy while facing rising costs all around.

Age: 40

Location: East Texas

About our kids: We have four kids, and three of them are in school: a 19-year-old college sophomore, an 18-year-old high school senior and a 13-year-old who is going into eighth grade. Our oldest son is out of the house and self-sufficient. We were fortunate that our daughter got a full scholarship to college, which covers her room and board, and she has a job that covers the rest of her expenses. The only expense we still help her with is car insurance.

Type of school: Public school

Family income range: $150,000

Back-to-school receipts

Where did you do most of your shopping? I typically do a mix of in-store and online shopping, depending on where I find deals. This year, I’d say it was 50-50, but all but one pair of jeans was bought online because they don’t carry the length we need in-store.

• Rock & Roll Denim: $228.35 for three pairs of jeans

• Buckle: $184 for a pair of jeans and four shirts

• Pacsun: $172 for three pairs of jeans

• H&M: $92.29 for a pair of jeans and three shirts

• Dick's Sporting Goods: $108.24 for a pair of shoes

• Nike: $87.68 for volleyball court shoes

• Amazon: $158 for sneakers and earbuds

• Vera Bradley: $67 for a backpack and a lunch box

• American Eagle: $415 for three pairs of jeans and 12 shirts

• Walmart: $115 for school supplies, including paper, pencils, pens, folders, tissues, markers, highlighters, binders, glue sticks, composition books, index cards, colored pencils, scissors and whiteboard markers

Total: $1,627.56

• Future Farmers of America (FFA): We are very involved in the FFA program, and we show cattle and broiler chickens. I’d say this year, we’ve spent close to $10,000 related to FFA so far. Each show has a minimum entry fee of $250, plus travel expenses. And then there are the costs related to raising the animals, including feed, vet inspections, hoof trimming, etc. It can cost between $8,000 and $10,000 to purchase a competitive animal. If it’s breeding season, we might spend money on semen straws, which can be as cheap as $25 per straw or as much as a few hundred dollars. This summer, we purchased a pen of heifers for my son’s senior project, and it was $4,000. In the winter (January through March), we have show season, and that will cost another $3,000 if everything goes to plan. But with livestock, it never does.

• Dance studio lessons: $1,485

• Volleyball: $300 for gear and camps throughout the year

• Cheer squad: $1,100 dues, plus competition costs and additional fees added on throughout the year for choreography, which cost $150 last year

• National Junior Honor Society dues: $20

Total: Approximately $13,055

• School parking spot: $400 (for our senior)

Total: $400

Total back-to-school spend: Approximately $15,082.56

Tell us more

How do you approach back-to-school shopping? Do you set a budget?

I approach it as needs first, wants second. Once the needs are fulfilled, we go from there. I set a budget, and we save over the summer months for back-to-school shopping. We try not to purchase new clothes during the school year unless it's needed.

How do your kids feel about back-to-school shopping?

My daughters absolutely love it, but my son doesn’t care for it as much.

What are they asking for this year?

Our youngest two have grown a lot in the last couple of months, so buying jeans and shoes to fit their height and the style they want was more work than before. We have found that we must purchase those all online because most stores do not offer or carry their length/size in stores.

How do you manage your kids' back-to-school shopping expectations?

I think my children are pretty reasonable. Things are expensive, and I think we have taught them the value of money and hard work. I have my budget, and if the “want” is so important, we offer to let them pay for it with their own money. That quickly determines if it's worth it to them.

What is the biggest stressor of back-to-school shopping?

I think the major stressor is the overall expense of everything. The cost of everything has gone up, and the needs have stayed the same. Modern-day conveniences make shopping in the privacy of your own home easy, but the cost of everything is not easy. We budget for months to make sure they are able to have shoes and clothes that fit properly as they grow. We resell the stuff they've outgrown to offset the cost.

Have you ever regretted a back-to-school purchase?

No, I don’t think I shop like that. I try to buy with common sense and functionality in our day-to-day. I let the kids decide to use their money in situations like that. It has also taught them to spend more wisely and efficiently.

How does your back-to-school shopping experience compare to what you grew up with?

It is completely night and day to my upbringing. I came from a single-parent household that lived paycheck to paycheck. I remember very rarely having anything new, let alone the bare minimum in necessities. We work very hard to make sure that our situation is different for our family.

We want to know: Are you a parent who is feeling the pinch, too? Tell us about your own back-to-school expenses (and how you feel about it) using this form, and your responses may be used in a future article. Submissions close on Thursday, Aug. 28.