Little Danielle Locke was a disaster when it came to saving money. So many times she had tried, to save for a special doll or toy, once even a bicycle, and every time, she found something she wanted “more”; a silent need for instant gratification in a moment, and there went the money, sending Danielle back to square one. Usually she would have to wait for her birthday or Christmas for whatever the initial item was that she’d wanted, if she even remembered it by then. But when her mother told her that she’d have no choice but to save her allowance if she wanted one of those Silver Shamrock Halloween masks, that was different. Danielle loved Halloween and waited for it with bated breath each year. Choosing the costume she’d wear when she went trick-or-treating with her supercool Aunt Theresa was serious business, and, once she’d heard about the Silver Shamrock masks, she knew she had to have one. Anyone who was anyone was going to be wearing a Silver Shamrock mask that Halloween, an...