I am a mother of 2 and they always want something, whether a $2 toy or a $4 piece of clothing. Last week I added it up and I also checked their closet. I found out that I was spending so much on unnecessary extra clothes and toys that instead of wasting it, every time they ask me for a toy or an unnecessary piece of clothes I put the money in an envelope and save it for when they will need (not just want) something or when they will have a birthday and the bigger spending will be necessary. I have no saving account so my envelope is my saving and I am already up to almost $50 and that is in less then 10days so imagine how much I will have in a month or two. Maybe we will be able to buy the bunk beds they need (finally). But in any case, thank you for helping me take a better look at the small expenses which add up to big ones – too big.