If you are among the majority who are not saving for emergencies first determine how you are spending. Go back through check stubs and credit card statements and determine how you are spending. Then look for areas where spending can be reduced. While energy ...

And then she arrived, strong-willed and sure of her likes and dislikes. We started her out on rice cereal at four months, as recommended by her pediatrician, and had just begun to add fruits and vegetables when the rebellion began. For months she refused solid foods. She just didnt like pureed baby food at all, period. Not sweet potatoes, not peas, not pears or apples. Nothing. Well, okay, she occasionally would eat pureed bananas, but only the jarred kind - never fresh. (Go figure. ) I had even purchased a cool little baby-food-making kit, which I used exactly once.