With words like 'recession' and 'record unemployment' filling the air, the typical family-regardless of how the economy is treating them-will be paying attention to the budget. That's why 99 Ways to Stretch Your Home Budget will receive a warm reception as it delivers scores of practical ideas to save cash around the house. Cheri Gillard , formerly an obstetrical and NICU nurse, is a freelance writer and editor, plus the mother of quadruplets.