Oh, and before I forget, yard sales are another source of terrific money-saving finds. Infants and toddlers outgrow their toys, clothes and shoes long before they wear out, and baby furniture can pass through multiple generations in good shape. I’ve scored such brilliant yard sale trophies that I’m embarrassed to say I only paid a dollar. And if even a dollar is too steep, point your browser to (http://www.freecycle.org) . Just follow the prompts to find the location closest to you. Clothes, dishes, phones, tires, toys, sporting equipment, even computers - everything on this site is free, on a first-come, first-served basis.

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