Saving

Listen up freshmen. Take a hint from the millions who have trod in your future footsteps before making colossal financial mistakes during your first collegiate year. You will be let off a very tight leash, very soon, and the new freedoms will make your head spin. Sleeping in, huge chunks of free time during the day, and professors who love to call "walks" are part of the perks you'll enjoy during university.

Even the most prudent, future thinking parents who buy diapers seven months out and regularly hit the 75 percent off aisles at Baby Mart would agree on one thing. When the kiddo arrives, you are willing to spend anything in the name of peace. Whatever gadget, soother, clothing, or toy will make your baby sleep better, eat better, and think better will claim your paycheck. You will spend ruthlessly without abandon. Take it from a mom who's been there — print this out and take it with you to Infant Kingdom before dipping into your 401K.