When I gave birth to my son, I also became a single mother. His father had not been ready for the responsibility of becoming a parent and I knew that it was going to be completely up to me to make sure that every need of my baby was met, both as an infant, and as he grew into an adult.

One of the first things I did was make a decision that I was going to put a little bit of money away for him each month, so that he would be able to go to college. I started to compare child trust funds and decide which would be the best for us.

Though funds were extremely tight those first few years, I made sure that I put a little bit away for him each month. It is really surprising how much that little bit of money grew into quite a substantial amount. When he graduated high school, I had put away more than what he would need and it made me feel good that I had made the right decision as a parent.