In today's world of rising costs and shrinking paychecks, consumers need all the help they can get. Smart Spending combines the best money-saving tips from around the MSN Money site and the rest of the Web.

Donna Freedman is a student, freelance writer, baby sitter and handywoman in Washington state. Learn more about her in this video. She also moderates a forum for savings tips on the MSN Money Smart Spending message board.

The hidden savings of having another child

You'll eat out less often, if at all, when you add a fussy newborn to the family. And you can reuse toys, clothes and other items no longer age-appropriate for your first child. The father of a newborn explains these and other savings.

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