I have heard of people using their credit cards to take glorious trips at little or no cost, but I have yet to find a program that is completely worth it.  Some are just too complicated to understand, while others I'd have to basically use the credit card all month long and then pay it off in full when the statement comes to get anywhere with the rewards - and unfortunately I'm just not that confident in my ability to do that (and not resort to carrying a balance from one month to the next!)

So I joined the SmartyPig.com site.  It's basically just an online bank from what I can tell.  It's taking $29 a month from my checking account, and earns interest (currently something under 4% but over 3%).  It's not a lot of money, but it's better than nothing.  When the holidays roll around and family asks me what to get the kids, I can send them to the website and ask them to make small contributions to the disney fund, as well.  It's not like we don't already have enough toys to open our very own Toys 'R Us store!  (The grandparents go nuts on birthdays and Christmas)

I'm thinking a standard cashback card might be the way to go.  I've seen several that give you up to 5% cash back on things like gasoline or groceries.  If I made it a point to use the card for our family's gas purchases and groceries only, we'd add close to $700 a month to the card, which earns us $35 a month cash back.   This is another $420 at the end of the year... and combined with the $348 I'm currently saving in SmartyPig, and the contributions we'll get around the holidays as gifts from family, I'd say we can reasonably look at going in about 2 years! YAY!