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!
Awesome kids lunch ideas for helping save time. Make all your lunches in one day for the week and have your kids grab their own lunch and pack it easily each morning before school. I have done this method for years and it works!! No more cafeteria mystery hamburgers... :)