we used some of the money we would set aside for my songs college to fix our hot water heater. we are trying to repay it monthly til it is replenished.
he is months old, but we knew we would have to start saving really early because we do not have much to put away haha
it is great you have a college fund though! my kids are very young, we have not started that yet. although, we probably should. how long have you ahd yours?