My DD called tonite from college. She was chatting about stuff coming up when I asked her about her past weekend. She told me she has decided to open up another savings account to save up for big purchases in the future. Now, I've not been talking to her much about what is going on in my little world so this was one of those "what's going on here" type of spooky things. I was thrilled that she is going to start out doing things that way. I told her about my new budget and worksheets. Hopefully, we can set a good example. I sure hope so. It would be nice for her not to experience the stress of living with debt. I think I may have started it when I was talking about saving up for replacing her deteriorating phone, saving up for fixing her car window, and saving up for her portion of Christmas gifts to friends and loved ones. Maybe the words "saving up" caught her attention. Whatever, she said it, I heard it, and I'm sticking with that...