My frugalness happened purely by accident !
Both dd's had bday$ and savings burning holes in pockets. Well mostly the 13 yo... since they are on break thought it would be a good time to open their savings accts at our credit union. Great thing was that they had a special running: open a "kidz klub acct." before Dec. 31 and they give you the initial $5 deposit FOR FREE!!! so both kids have an extra $5 in their accounts
Just a thought here about the neice situation. Do they have your phone numbers and addresses written down or memorized in case of emergency? Say their mom or aunt totally flips out or something?