Dont listen to your MIL put money into her account if thats what you no do she want remember her b'day anyway... I know how hard it is to buy for two girls and I have a 3 yr gap with my DD's but still find in very hard to get things for DD2 as DD1 has it all....

You could always get her a nice little blue bird braclet (sp?) as this is something she would have when she gets older as I thing to remember her 1st birthday...

Or a nice orderment ( sp?) as there are some nice ones around but they can be a bit of a dust collector...

Good luck in finding something nice...