Unless you have been living under a rock for the past year, you must have heard the terrible news of our slumping economy.  It seems you can't go an hour, let alone a day, without experiencing yet another media report on the housing bubble bursting, the impending recession, out of control inflation, or the volatile stock market.

In addition to the country's financial craziness, we now have a new baby to incorporate into our family budget.  Of all the economic happenings, we've been most...