Last pinner - Financial. This is my spending tracker. When I don't use cash I use one credit card that I pay off each month. At the end of the year we use our points towards our annual Disneyland trip.
Two Naps By Noon: Early Graduation Gift For Baby- write a letter to your child every year and add some money into each envelope and give it to your child when they graduate. They'll have 18 years worth of letters and money as a gift. Very creative.