It is tougher to save than we hoped it would be. We managed to pay off a load of debt this spring, but we have had to spend money now on things for the new baby. We have set up the Coverdell account for Sparrow, but we will soon need to do the same for another little person! (We won't know for a couple of weeks if it is a boy or a girl.)

Life is what happens when you are planning to do something else, so we have to roll with the punches, be frugal, and be cautious! My worst fear is getting back to old spending habits just because we have to spend some money, but good deals are there to find. For instance, we got almost forty outfits for our daughter at a yard sale - for a dollar each!

Look for those bargains, folks!