I have 22k in student loans at a fixed rate of 7.25% that has already been consolidated. I also have a 55,369.00 30 year fixed 6.25% mortgage. I have made 7 years of payments into …

A few months ago we started giving our four-year-old a small allowance, but then quit because we weren't really sure that she was "getting it." For those of you who already have t …