I'm an RN so I can get all the OT I want. My DH and I have started a "what if" account, I put at least 1 shift of income in it a month and he puts at least 2 shifts of his income. I only work 2 days a week so I pick up 1-2 extras a month and put it in that account and he does the same. We use the $$ for insurance policies, back to school shopping, Christmas shopping, and vacations. I also do a change jar, even our teen boys throw change in it for their little sisters. Whatever is in the jar when we go is the little ones spending money. When our boys were younger they would collect anywhere from $200-400 in change every year. Granted they searched pockets before helping with the laundry and helped clean out the cars rather frequently in search of the $$ but hey it had them helping.