Put a few 20 dollars bills in the album a year and give it to your child as a graduation gift. That way you don't drain your bank account as graduation gets closer, you have already started saving for it since the birth!
As the new year begins it is time for us to look forward to all the possibilities that it holds. Every year I make resolutions with the best of intentions and manage to stick to it until the first obstacle comes my way. Remember no matter how many times