Procrastination carries a high price. As I note in my new book, Money Rules, "Doing nothing can be very expensive." Case in point: Your child forgets to buy a book for a class and has to rush order it before an exam and pay for express shipping. Or he has the list of course materials weeks ahead of time but only hits the bookstore the night before, when all the "used" options are gone and only new is available. As one mom ranted on CollegeConfidential.com, "Nothing beat the first term when she spent $1,200 on her books. She bought them all at the bookstore. She didn't have any idea what she needed until the last minute. Not good!"