What's your "dream" fund?

We all have that place we want to go. (For me, it's Saratoga, only because I fell in love with it this past July.)

Or maybe it's something we want to do, like go to an expensive restaurant and buy the best bottle of wine available. Endless possibilities, sure....but what I want to know is, have you started your "dream fund"?

It's a very simple thing to start. For one, think of something you always wanted to do but need money for. Then, find a jar, and label it in accordance with your ambition. Add loose change several times until jar is full, and then go to your nearest Coinstar and redeem the coins for cash.

Now, depending on the expense, you may have to refill the jar several times over. But the thing to keep in mind is that all of that change adds up, even if it doesn't seem like much. And don't tell yourself that your dream fund will never amount to anything.

It has been said, "If your dreams don't scare you, they aren't big enough."