Begin by writing down all of the items that you are currently spending money on each month. Don't forget the little insignificant items like that cup of coffee at work. Although it may seem like a very small expense, those small expenses add up. If you spend $2.50 on coffee each day, it can amount to fifty dollars a month. If you buy a soda every afternoon, that's another twenty dollars a month. Just these two meaningless expenses add up to seventy dollars.

While this survey from Watson Wyatt is a bright spot in a sea of chaos, it doesn't reflect the full picture. We're a WorkLife Nation with a growing base of small business and entrepreneurs. It's almost impossible to track the direction of those sectors as the recession deepens. Hold onto your hat, might be a longer ride than we think.

When we arrived at the Marlboro Ranch we were shocked to find an assortment of fantastic gifts awaiting us in our room. Walking in to find such a gorgeous room with all of these gifts was like being a kid on Christmas morning. We received Vivitar digital cameras, ashtrays, cigarettes, North face boots, a backpack, memory cards for our cameras, gloves, hats, expensive French sunglasses, Columbia sportswear coats, cookbooks, picture frames long johns and so much more!

When it comes to boy party favors one can only try to imagine what a boy would want to play with. This is why the saying "frogs and snails and puppy dog tails" is still used today, because though not every boy has the same interests and hobbies, boys generally like the same likes and dislikes. This list is a general idea of what boys usually prefer to play with when it comes to favors. Hats, slime, plastic bugs/animals, whoopee cushion, yo-yo's, toy cars, anything with camouflage, silly string, small balls or sport balls.

They work like an apron initially, where mum secures one end around her neck with velcro fasteners, while then lifting baby out of the bath and wrapping the sides of the "apron" around the baby's body. Once mum is ready to release the towel from around her neck, this is done very easily and baby can be dried with the towel. The hood allows his or her head to be covered while drying, keeping them snug and warm and allowing their hair to be towel dried without needing to move the towel up and making baby cold.