TEXAS — It’s almost back-to-school time, and most parents are expecting higher costs than normal, according to a recent national survey. Some Houston-area parents discussed their shopping plans, and an expert shared some recommendations for Texas back-to-school shoppers.

“Prices have gone up, I would say about maybe 25-50%. It’s changed a lot over the last few years,” said Desiree Ruiz, who was shopping at Walmart’s Houston Heights location.

National Retail Federation data shows 78% of shoppers expect to pay more for school supplies this year, and one-third plan to stretch their budgets by catching summer sales.

Retailers like Walmart and Nordstrom Rack are welcoming customers in to catch some early bargain prices.

“I have almost 1,300 rollbacks all across the store, not just in back-to-school, but we want to fulfill all your needs,” said Walmart Heights store manager Felipe Monroy.

Staff at the Nordstrom Rack Centre at Post Oak near the Houston Galleria say they’re ready to accommodate all budgets.

“Customers can shop at their favorite brands, like Levi’s, Nike, Addidas, Seven for All Mankind, Splendid and more, starting at price point of $15,” said Morgan Valdez, store manager for Nordstrom Rack Centre at Post Oak.

Ben Hart, the chief financial officer at Texans Credit Union, said credit card debt for Texas households is at an all-time high, ranging anywhere from $8,000 to $12,000.

“It might be better for you to go to a local credit union and get a personal loan. Those typically carry lower rates,” he said, warning against the urge to stress out and overspend during back-to-school shopping. “I would encourage all families to sit down, get yourself a written plan on the things that you need, take an inventory on what you already have.”

Hart said knowing the difference between “needs” and “wants” can also help with stretching those dollars and reducing stress, and not just for back-to-school shopping.

Some shoppers planning to catch bargains during the annual tax-free weekend.

“I just try to plan ahead, put the money aside and try to reuse and recycle as much as I can,” said Darryl Smith, another parent.