Munro also gives accolades to the Upromise plan, which contributes part of her expenditures on everyday items, such as gas or groceries, to her child's college fund. (Babymint.com is a similar program.)
"I love Upromise. That's a giveaway. Why wouldn't you take advantage of that?" Munro says. "It's not going to put your kids through college, but it is going to buy a few books."