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!
Start with a clean ornament and take the top off. Fill each ingredient into the ornament using a funnel. Start with the hot cocoa mix, then sprinkles, then chocolates and then the mallow bits. Put top back on. You will need to deliver these standing upright or wrap the top with plastic wrap to keep contents inside. It's ready to go.