Gigi, dont feel bad hon, we dont put any of our spare money into DS acc, we use it to improve our house or pay our mortgage. he lives here, so those things benefit him too.
DS bank acc is made up of $ given to him from family, and often if the family give the $ to me, I just use it to buy clothes and essentials for him, he has enough toys
I dont know any other mother that spends as much time trying to make their childs life safer/healthier/happier than you do.
I also used the baby bonus to pay household bills, as far as I am concerned the baby bonus = maternity pay, its not a bonus for the kid who was born LOL