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9. Be rewarded for your spending. Register for a service such as Upromise so you can build up college savings for your children with every purchase you make. Register credit and debit cards with Upromise, and a portion of whatever you spend on these cards will be applied to your dependent’s college savings account.

Hopefully, these tips add to your arsenal of ideas to help grow your nest egg even as you stick to a budget, conserve your resources, manage your workload and care for your growing families!