DEAR ABBY: I am 27 and thinking about the future. After much consideration, I have decided that unless I have a very strong relationship in place by the time I am 30, I plan on going to a sperm bank and having a child on my own.

With the divorce rates what they are, and the custody disputes I have seen my friends go through, the idea of having a child on my own is very appealing.

I have set the deadline at 30 because I want to be a younger mother, and I desperately want my father to be around for my future child.

I felt good about this decision until I discussed it with a close friend who called me selfish for consciously depriving a child of a father. I think it would be selfish to deprive my future children of their grandfather, who I already know is an amazing person.

What do you think about this? Am I being selfish? -- SECOND-GUESSING MYSELF IN NEW YORK

DEAR SECOND-GUESSING: Although many children are not so fortunate, I think that "ideally" a child should have two parents. Had you told me that you felt you wanted to become a mother by age 30 because you felt your chances of delivering a healthy baby were better, or that you felt a child would complete you, I would be more inclined to support your decision.

However, having a child because you want your father to be around does not strike me as a justifiable reason, and I hope you will think longer and harder about it before signing on for single motherhood.

Have you discussed it with your father? At the risk of sounding negative, what if he were to pass away or decide he'd like to move to Florida? Then what?

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DEAR ABBY: I am a pack rat and a slob. My husband is the opposite. I am trying hard to change my ways, but it is not easy because I was raised to appreciate sentimental gifts, and my husband is always saying, "If you don't use it -- toss it!"

It has been especially difficult because we now have a 3-year-old. He gets many gifts from my mother. When he outgrows these toys, I often throw them out or give them away. If it's something Mother has purchased, I am afraid she may find it in our garbage and make me feel guilty "because it cost a lot of money" until I reluctantly agree to keep it.

This has happened in the past, and I have suggested that my mother keep it at her house if it means that much to her. She says her house is much smaller than mine, and she doesn't have the room.

Any suggestions on how to stand up to her regarding these toys? I feel constantly railroaded when it comes to getting rid of anything in my house. -- PACK RAT IN REHAB

DEAR PACK RAT: You may think you have a problem, but it pales in comparison to the one your mother must have if she's rifling through your garbage. The next time she brings something you have thrown out back to you, confront her on that. Then remind her that regardless of how expensive the item may have been, once a child has tired of it -- it's over. And if she persists in laying on the guilt, donate the item.

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DEAR ABBY: I'm slightly confused. If someone has extremely good qualities and states what they are, is that bragging -- even if there was no intention of making others feel bad? -- INQUISITIVE IN SUNNYVALE, CALIF.

DEAR INQUISITIVE: It's a matter of degree. Tooting one's own horn isn't necessarily bragging; it can be a form of self-promotion. However, if you go on and on about your own "extremely good qualities" and fail to mention the good qualities of others, frankly, you will eventually find yourself talking only to yourself.

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