Day 139: Consider UPromise

If you don't have children but are close to someone who does, volunteer to help them contribute to their UPromise fund.

UPromise is a college savings program in which things you do every day (shop online, buy groceries, eat out at restaurants) earn cash.

All your earnings go directly into your Upromise college savings account. Then, you decide if you'd like to grow them tax-free in a 529 plan to pay for college, use them to pay down a Sallie Mae student loan, or receive a check for college expenses.

Before I had children, I signed up and saved for my nephew. Just ask the account holder to send you a friends and family e-mail in order to sign up.