Posts tagged with: childcare

Ashley’s March 2017 Debt Update

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March was a whirl-wind of a month! I was gone for a couple days in Texas, the girls had an entire week off school, and it felt like we were being pulled in a million different directions by all of our disparate responsibilities. I’m glad to be back in more of a routine this month and am already looking forward to May. For us in academia, it signifies the end of another academic year and the beginning of a MUCH NEEDED “break” in terms of course-load, etc. (working at a university, I’ll probably always talk about “years” in terms of academic rather than fiscal or calendar years, lol). But May is important for another reason, too. For the past 3 months (including April), I’ve been paying these HUGE payments toward our medical debt. I did so in exchange for a debt forgiveness of about 33% of our medical debt. So come May, we’ll have an extra $1200 that can go towards other debt and we’ll have one fewer debt to report in our debt spreadsheet. It always feels good to knock a debt off, and I can’t wait.

Here’s where we stood as of April 1st, after all of March’s debt payments had posted:

PlaceCurrent BalanceAPRLast Payment MadeLast Payment Date Original debt, March 2014
Navient - Federal 2 (unsubsidized)$11,0925.8083March82433 (all school loans, combined)
Navient - Federal 3 (subsidized)$86085.8025March
Navient - 2 (subsidized)$85136.5534March
Navient - 7 (subsidized)$72126.5529March
Navient - 8 (subsidized)$63856.5525March
Navient - 9 (subsidized)$85146.5534March
Navient - 10 (unsubsidized)$97926.5569March
Balance Transfer Student Loan #2$10000% (through Sept 2017)$400March$7650
Balance Transfer Student Loan #3$44440% (through October 2018)$150March$4594
Medical Bills$31540% (must be paid by April)$1216March$9000
Balance Transfer student loan #1$00% -Paid off in March 2016$5937
PenFed Car Loan$02.49%-Paid off in January 2016$24040
License Fees$02.5%-Paid off in April 2015$5808
BoA CC$07.24%-Paid off in June 2014$2220
Mattress Firm$00%-Paid off in May 2014$1381
Wells Fargo CC$013.65%-Paid off in May 2014$7697
Capital One CC$017.9%-Paid off in March 2014$413
Totals$68,714 (Feb balance = 70,444)$2065Starting Debt = $145,472

Navient Payments

With our recent IRS tax trouble, I’ve been making lower sized debt payments in an effort to try to save up for the upcoming IRS bill. I’m paying minimum payments on all of my subsidized student loans and only an extra $50 above the minimum for my two unsubsidized student loans. As a quick reminder, I’m on the IBR repayment plan so my unpaid interest is forgiven on subsidized loans, but not for unsubsidized (which is why I’m prioritizing them a little). I was concerned when my balances had increased a little this month for the subsidized loans so I called Navient and they explains that the government subsidy (which covers any unpaid interest) is only paid once per quarter. So it looks like the balances have increased a little, but that capitalized interest will be covered at the end of the next quarter. Feels kind of scamy, but nothing I can do about that.

Balance Transfer #2

I’ve reduced the amount I’m paying on Balance Transfer #2 down to $400/month. Continuing at that rate, it will be gone by June. At that point, I may try to initiate another balance transfer to move some more debt away from Navient. That being said, I’ve noticed that my recent balance transfer offers have had a bit higher transfer rate than in the past year, so I’d only do so if it’s still a good savings overall. I’ll wait and see when we get to that point. I also wanted to clarify something I’d had wrong before. Originally when I created my debt table I had listed that this bill was due earlier (based off a 12-month timeframe), but I had conflicting notes in YNAB because there I had it listed as being an 18-month timeframe. When we were hit by the IRS taxes, I called for clarification (otherwise, we were on track to pay it off within 12 months, but I wanted to know if we had the extra 6 months wiggle room). Turns out the special offer IS good for 18-months, which is why I’ve been able to decrease my payment amounts. I’ll still have it paid off well before the special 0% APR promo period expires. Sorry for any confusion to anyone who may have noticed!

Balance Transfer #3

This is my newest balance transfer. I paid $150 last month, but only have $75 scheduled for this month. Again, I’m paying less so that I can try to scrounge up cash for the IRS.

IRS

Everything financial is now tainted by the whole IRS tax issue I’ve talked about previously (see here or here). I’m embarrassed and feel a bit ashamed to be in this position, but I have to say that the tax debt has officially INCREASED our debt and will be setting us back in our progression. At this point, I’m honestly too embarrassed to even give the total amount (though we have finally finished everything with our CPA, so we now have official numbers). I was thinking it would be right around 10k and, if so, I was really trying to scrimp, save, and hustle up any funds and try to pay them in full by the April 18th deadline. When confronted with the true, final amount that we owe, I know there’s no way we’ll have the money together by April 18th. Instead, I’m going to have to set up a payment plan with the IRS and will officially be adding a debt to our list of debts. I’ve been dreading discussing it here because it’s just SO stupid and was 100% our fault. There’s no excuses. We just messed up and now we owe Uncle Sam the big bucks.

Budgeting

Related to everything going on, we’ve really been trying to plan ahead and think about what our family budget will look like in the coming (academic) year. Hubs’ is still currently drawing a (very) small income from his business, but it will likely be gone in the next few months. By mid-summer my big raise will go into effect at my full-time job. Though at the same time, I’ll be losing my side-income from my part-time job. Our kids are starting kindergarten in the fall so our childcare bill will decrease in a couple months (note, in our state kindergarten is only “free” for half-day and we still need full-day childcare so our bill will not be eliminated, but it will be reduced a bit from our current spending). Basically – there are a lot of financial pieces to the puzzle and a lot of things to consider. It’s hard when we don’t have exact numbers, either (e.g., I’m trying to estimate what my net take-home pay will be once my raise goes into effect, but there are many factors involved since a mandatory 7% goes to retirement, and then I also contribute to an HSA and FSA, etc). I think we may have some financial growing pains on the horizon as we figure things out and try to make a path moving forward. I think our path will likely include tightening up our purse strings quite a bit from what we have in the past year. Not that I think we were frivolous in the past year by any means, but I think things are about to really be getting TIGHT. It’s not a bad thing, but it’s definitely disheartening given all our progress in the past year (which, now with the tax thing, feels like a lot less progress has been made since we owe all this money – ugh! So mad at myself!)

Anyway, that’s what’s up in my world.

Oh yeah, and the car situation. That’s still going on. Turns out my car had 2 different problems. One was a Ford issue (covered by Ford) and the other is a warranty issue (covered by my extended warranty). But it’s been a HUGE fiasco because I HAVE to have a car to get to-and-from work and it’s now been over a week with my car in the shop and it still isn’t fixed. But my warranty only covers 7 days max in a rental, so I’ve switched to a Ford rental vehicle and am trying to get Ford to cover the remainder of my days in a rental due to their issue (the Ford issue is actually what rendered my vehicle un-drivable). It’s been a whole mess and is taking up way too many hours in my day. And it will likely end up costing me some money after-all, not only for the warranty deductible, but if I end up having to pay for the rental (if Ford won’t cover it, etc.). Big pain-in-the-butt. But there are worse things in life and, again, I’m thankful no one got hurt and that we had the warranty, etc.

Gotta run for-reals now. I’m drowning in work so bad it’s not even funny. So to bring this post full-circle (as I mentioned in my opening paragraph) – I cannot wait for May!!! Is it the summer yet?? 😉

Hugs,

Ashley


2017 Planning

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Hi friends! How is 2017 treating you so far? So far, so good over here! Just trying to balance work and childcare (always!!) The kids have been out of school all last week (they go back to preschool this coming Monday) so I’ve been drowning in work-related tasks while I’ve been trying to juggle childcare with hubs. Yikes!

Speaking of hubs – a quick work-related update:

Remember when we spoke about hubs going back to school full-time and closing the doors to his business?? Well, slight change of plans…

He IS going back. He’s starting with 9 credit hours; his classes meet on Mondays and Wednesdays. That leaves him with quite a bit of spare time still on his hands (though, to be fair, his classes are basically ALL.DAY on M/W, so he’ll need to spend quite a bit of time on the other weekdays actually studying, doing homework, etc.).

Anywho, hubs landed a really big contract around October-ish that was supposed to be completed by the end of 2016. For newer readers, hubs is a wood floor contractor & installer. Unfortunately, the contract was for a big “new build” condo complex and anyone who is familiar with new build knows that they are rife with setbacks and delays. The same was true here. Floors are one of the last things to go into a new home, so hubs’ schedule kept getting pushed back more and more and more while other contractors were working on their parts of the project.

I think you can see where this is going.

The project was not complete by the end of 2016. Not even close. In fact, hubs had only just barely begun! (again – this was due to no fault of his own – this is just how new builds sometimes go).

At this point in time, hubs has a two-man crew still working for him. Rather than renege on the contract he had signed, he’s having his crew continue working for him on this big project. He’ll be able to check in on days he’s not in class to make sure all is running smoothly and according to schedule, but it shouldn’t be a big time commitment for him since the work is actually being completed by his crew.

After paying salaries, he obviously wont’ be making as much as if he were doing the work himself (which was the initial plan when we thought it would be done by the end of 2016), but he’ll still be making a nice little chunk on the side which will help add a bit of a buffer as we transition into the land of no-more-work. I think this is a great thing, though. It will be nice to have a month or two of additional side-income (from hubs’ business) before we transition into me being the sole earner in the household.

Speaking of, I’ve been running numbers over and over again trying to make our 2017 budget “work.” I think it’s just going to require a bit of flexibility because right now with our debt-payment goals and everything else….if I were the sole earner it just wouldn’t work. I wouldn’t be making enough to cover our budgeted items.

To be fair, this is with a budget that is dolling out $3,000/month for debt payments, alone. It may be that some months we are unable to make such a large debt payment. As I’ve alluded to, I also have some employment changes in the future, too, so there are lots of balls up in the air and lots of considerations at hand.

I currently have a few blog post drafts going (one with a 2017 budget and one with 2017 financial goals). I’ll do my best to try to get one of those posts up this coming week. I’m just counting down the days/minutes until we have regular childcare again! Whew! Especially now with the girls being older (4.5 years) and not napping – there is not a single break during the day in which I can get real work done. I do a good job of attending to emails, etc. but anything other than the basic necessities is pretty tough to squeeze in! Yikes! Any work-from-home parents out there?? How do you do it!?!? The kids each have little workbooks so I’ve tried to have “work time” for all of us (like, we’ll all sit down to do “work” together), but the interruptions are constant and, while that’s okay when I’m just doing emails, it makes it challenging to do any serious work that requires extended concentration, etc. I’d love any tips (though, hopefully this problem will dissolve once preschool is back in session!)

Have a lovely weekend!!


House Hunting….kinda

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Hi from sunny (and HOT) Madison, Wisconsin!!!

I’m here for my work conference and, unfortunately, brought the Tucson heat with me! Just last week the average temperatures were in the mid-80s. I arrived on Tuesday of this week and since I’ve been here it’s been in the high-90s/flirting with 100 degrees F plus muggy. Boo!!! Get it together, Madison! (I kid, I kid – it’s actually quite gorgeous aside from the heat + humidity).

Anyway, that’s neither here nor there. The REAL point of this post is about HOUSE HUNTING!!! AHHHHHHHH!!!!!! The time has finally arrived. It’s FINALLY arrived!!!!

Hubs and I had originally planned to start house hunting in early summer but had to push back the start of house-hunting a bit to finish adding to our house down payment fund. As a reminder, we’re planning to put down 20% so we can avoid any mortgage insurance. To do so, we wanted to save up $10,000 during the first half of this year (one of our 2016 goals, now done – yay!!!); we’ll add to that all the money from my money market account (roughly another $10,000…a little more at this point); and, finally, my mom is gifting us a sum of money that I haven’t disclosed.

We decided to start by shopping mortgage lenders. We’ve hired a realtor and got her recommendation, plus called around to all the local credit unions to ask about mortgage current rates (though none of them keep the loans in-house, they can still offer better deals than most big banks). Note, we haven’t actually hired a lender yet or processed any paperwork. At this point, we’ve just begun the process of shopping different lenders. We’re not letting anyone run our credit, etc., until we’ve decided on a lender, so we’re just comparing generalities (by giving our credit, an estimated loan amount, etc.)

I’m pretty sure we’ve found who we’re going to go with, but I’m still waiting to get my contract for the 2016-2017 academic year so we won’t actually start the paperwork process until I have that in hand to prove my continued income, etc.

Once that occurs, the hunt is ON!!! We’ve already been zeroing in on a couple of neighborhoods/areas that we like and I’m dying to actually get in some houses and look around. Can’t wait!!!

In other news – remember how I mentioned having a friend who lives in Madison (it was one of the reasons I was excited about coming here for my conference)? Well, I totally called it because she had her baby literally in the early morning hours on the day I arrived in town. I’m glad many of you advised me to really make the trip more about WORK than about socialization. I’ve been here 2 full days and have yet to see her. I was going to swing by her house this evening after the conference, but she had just gotten home from the hospital, is nursing a 3rd degree tear (in addition to her infant, har har), and just didn’t feel very well. No hurt feelings – I 100% understand. I should be able to go by tomorrow after the conference. Even if it’s just dropping off dinner and a baby gift, I’ll at least be able to say hi and meet the new baby for a couple minutes. I’m sure other parents can relate to the overwhelming craze that surrounds the first couple of days home from the hospital with one’s first child!!! Just sucks that the timing of the conference worked out like it did because I would’ve loved to spend more time together and take advantage of my kids-free nights! ; )

That being said, I’ve been ultra productive while I’ve been here. In between conference sessions I’ve done tons of grading. In the evenings I’ve been making lessons for my Fall classes, updating syllabi and course calendars, and getting final grades up from my summer classes (ahem, and writing this blog post). I still feel way behind (I think that’s my new normal, which is uncomfortable for someone who is always totally on top of their work), but I’m still treading water and doing better than I have most of the summer so it’s all good.

And, why don’t I just continue (since this post is total stream-of-consciousness at this point anyway. Let’s just go on with it, lol)…. my girls’ first day of preschool was today!!!! It still breaks my heart a little that I wasn’t there, but it’s helped that hubs sent lots of fun pictures of the girls all ready to go and full of smiles in their new classroom. I’m not going to lie though, it hurt when I FaceTimed with them this evening and they asked, “Why didn’t you get us from school, Mom?!” (tear). I’ll be home Friday afternoon in time to pick them up, so that will have to suffice. The GREAT news about the girls starting back to school is that it means I can go back to working full-time (thank god, given that I have both a full-time AND a part-time job. Whew! How have I done it all summer with only part-time care?!). When I return I have exactly 1 week before the Fall semester starts and it is literally jam-packed just about every minute of every day with meetings, To Do’s, workshops, etc. It’s insanity! I’m so very thankful to get some solid dedicated work-time in both this week (at least in the evenings after the conference) and next week (while the kids are in school – YAY!)

Sorry it’s been a hot minute since my last post! I’ll try to be better about it but, you know, life.

What’s one good thing happening in your world right now? When do kids go back to school in your area? Any must-do thing in Madison before I leave? I don’t have much time but could maybe squeeze in a restaurant or something???


Summer Childcare Update

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Hi guys! I hope your Monday is off to a good start!

Remember when I talked about our summer childcare plans? We ended up opting to hire a babysitter whose been coming to our house to watch the kids 3 days per week. I wanted to give a little update on how it’s gone.

First, in case you hadn’t noticed from our recent budget update, our childcare costs have been way down compared to the academic year! Part of this is because we’ve been out of town a bit and we only pay our babysitter when we need her, so we haven’t had to pay for chunks of time when we’ve been gone. The other reason, of course, is because we’ve only been using part-time care instead of full-time care. Overall, we’re paying more per hour, but less overall (since fewer hours, etc.)

I did have some concerns about the route we decided to go. First, I didn’t love that the kids were going to be stuck at home all day every day. Second, our babysitter doesn’t drive (she’s old enough, but just doesn’t have a license) and she lives a solid 45 minutes away, so arranging pick-ups and drop-offs has been really exhausting. Generally we meet her parents somewhere in the middle, but on the rare occasion we have to take her all the way home, we’re talking a solid 1.5 hours in the car for the round-trip. Far from ideal. And, finally, the time has been another big issue. Remember, I work a full-time job + a part-time job. So getting all my work done in 3 days/week (and nights while the kids are sleeping) was a big concern of mine.

Status Update…

I don’t regret our decision with the babysitter for this summer, but I don’t think we’ll do it again next year (or, if we do, we’ll probably do a mix of camps and babysitter). Most of the summer has been fine, but now that we’re nearing the start of the semester (5 weeks left!) I’ve been struggling with tension/stress headaches just about every day over the stress and anxiety of all that I’ve got to get done in such a short period of time. The struggle stress is real.

Also, I miss working at home badly! During the academic year I try to reserve one day per week to work at home. I tried to work from home with the babysitter exactly once and it was just not working. The kids are loud and make concentration difficult. Plus, when I’m home (even if I’m locked in my bedroom), they keep trying to come in and see what I’m doing, bang on the door, yell for me, etc. I also found myself coming out and helping a lot when I heard screaming/crying/fighting. Basically, I was not able to get much done. But we live a good 30-40 minutes from campus so when I physically go IN to work it’s a solid hour round-trip out of the day just for driving. Its a fast drive and doesn’t bother me during the academic year, but paying more per hour makes me realize the cost of that drive on a daily basis. And I’m just able to be more efficient when I’m home! I can start a load of laundry and meal-prep for dinner in-between emails and work stuff. It’s much harder to cram all that stuff into the nighttime hours (or on the babysitter’s off days while the kiddos are home with me).

Hubs has been stepping up, too. He’s stayed home a few days when I’ve had a meeting or something else that I’ve had to get to. But even so, I find that I’m rushing home to try to relieve him or whatever and I’m just not being as productive as I need to be.

This week, only, their school has a week-long camp. I signed them up but it’s only Mon-Fri from 8:30-12:00pm. The plan is to work from home this week (to eliminate the long drive to campus). When I pick them up, we’ll come home and eat lunch, then I lay them down for naps and (fingers crossed) get another couple hours of work done in the afternoon.

I was SO THRILLED to be taking them to camp this week! Like, I CANNOT WAIT for their school to open back up in Fall! Don’t get me wrong, I’ve loved having more time with them over the past couple months. But I’m sure other parents can relate to the feeling of being OVER summer (especially when its 10 million degrees, options for activities are limited, and I need to freaking WORK!). Here’s a picture I took (while at a stoplight – not moving!) of me taking the girls to camp this morning. To say I was excited is the understatement of the century, lol

IMG_3190

 

Oh, oh, oh!!!!

Also, we officially got my Dad’s Utah house on the market! It went live in the MLS on Thursday night. It’s had 7 showings since then and we got our first offer late last night. It was an over-list-price offer, but it’s not great because the couple is still “shopping lenders.” We don’t want to accept and tie the house up by going under-contract until we know for sure that the people’s financing will go through.

Our realtor is reaching out to the realtors of the other people who’ve looked at the house to get feedback and let them know there’s an offer on the table (in case others were on the verge and decide to put in an offer, too). We have until tomorrow afternoon to respond to the first offer so hopefully we can drum up a bidding war (though, being cautious of the fact that we don’t want to go too far above list price, as the appraisal might come in lower and ruin financing for anyone offering over-list). We’ll see what happens. Lots of moving parts. None of us siblings have sold real estate before (my bro & sis both own, but they’ve only bought once and have never sold), so it’s all new to us. Luckily, my mom is a real estate broker and although she and my father are divorced, she’s very sensitive to his health issues and has been more than willing to help navigate and guide us (the kids) through the process to make sure we’re taken care of and doing things properly. Our realtor has also been a dream to work with, so I feel lucky in that regard.

Anyway, gotta run and get some work done in the short time I have before I go back to pick up the girls from camp!

Have a great week! I’ll be back soon!


Summer Childcare Blues

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Finding reliable, reputable childcare has consistently been one of the most stressful parts of being a working parent.  So today I want to pose a question to the other working parents out there:  What do you do for summertime childcare?!?

The place we’re currently at operates on an academic year schedule (not surprising, because its preschool through 8th grade so it’s a real school campus, albeit a private religious one). Their last day is May 24th and they don’t reopen again until the second week of August. But here I am, working full-time at my day job plus part-time at my online job and I have NO childcare!? Yikes!

After doing quite a bit of research, here’s what I’ve found. I’ll go ahead and tell you from the get-go:  no good options exist. Especially in the under 5-year-old age range. (Disclaimer: a TON of options open up for school aged kids age 5+, so this problem may be specific to parents with younger kids).

  • Option 1: There are lots of different one-week long summer camps at different places around town. This would be perfect if I was home all summer with the kids and just wanted to send them somewhere educational a couple weeks out of the summer. But I need childcare every week. I know my kids and I know they do not thrive in that kind of instability (a different camp at a different place with different people every single week). This won’t work for us.
  • Option 2:  Half-day camps. There are two places we know and trust that offer half-day camps. Half-day is far from ideal (one is from 8:30-12:30, but the other is only from 9-12. A total of 3-4 hours per day!) They’re pretty pricey for being such a limited amount of care. The three hour camp is $100/week/child and the four hour camp is $175/week/child. For comparison purposes, this amounts to roughly $1500/month for 20 hours per week.
  • Option 3: JCC. We loved the JCC while we were there and only left because they were too far from our home. The commute wasn’t realistic after I started working full-time. But I thought that maybe we could go just for the summer. It’s someplace we love and the girls are familiar with. Wins all around, right? Nope. Turns out as non-members the prices are exorbitant. And there’s not an option for a short-term membership just for the summer. Getting childcare 3 days per week for 7 hours per day would run us OVER $2100 for our two kids!!!! Holy cow, that’s expensive! This would be my favorite option in terms of amount of childcare coverage and the enrichment activities/opportunities for the girls. But at that price, it just seems cost-prohibitive to me! For comparison purposes, this amounts to roughly $2100/month for 21 hours per week.
  • Option 4:  Part-time Babysitter. We’ve got a high school babysitter we really love (and the girls love her, too)! We’re friends with the family and have talked to her parents a bit about whether she’d be a good choice for some summer childcare. What we discussed was  3 days per week (a couple weeks with only 2 days of care), 8 hours per day at a rate of $250/week for 3 day weeks or $175/week for 2 day weeks. This is the most cost-effective option and also the best in terms of actual childcare coverage (looking at number of hours per week), but I don’t love the idea of the girls being home all the time and not interacting with other kids. Also, I worry about babysitter fatigue/burnout and having no reliable back-up if the sitter is sick. For comparison purposes, this amounts to roughly $1100/month for 24 hours per week.

(side note: for comparison purposes, we currently pay roughly $1100/month for full-time childcare, approximately 40 hours per week. So really ALL of the options discussed are nearly double our current rate of pay per hour of childcare coverage).

My Thoughts:

I’m thinking we might hodge-podge care a bit. I like the babysitter option, as it’s the cheapest and largest amount of care. To try to add in some enrichment and other child-interaction for the girls, I think I might also enroll them in a couple of one-week summer camp programs. That way they still have the stability I’m looking for (they’re not going to a new camp every single week; they’ll mostly be in familiar surroundings with a familiar babysitter), but they’ll still get to go out of the house a bit and experience some enrichment with other kids.

Also, I still worry that 3 days per week (even at 8 hours per day), might not be enough time. My jobs over the summer are definitely more flexible than during the academic year. For example, my main job dictates that I teach 3 classes per semester during the academic year. In summer I’ll still be working full-time, but only teaching 1 class (and it’s fully online). The rest of my time is being paid to prep other classes and oversee our grad student teaching. There’s really nothing that requires me to be on campus aside from a sporadic meeting here or there. So it’s possible the 3 day per week childcare scenario could work. But what if I get into it and discover that’s not enough time? We really have no other back-up or alternative arrangements, which is scary to me.

 

What do other working parents do? What suggestions do you have? As of now, we haven’t signed any contracts or put deposits down on any camps. We’re still trying to figure out the best course of action. What do you think?


Back to School

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How quickly the summer has flown by! Even though it doesn’t feel like Fall yet (and I guess technically its not for another month and a half!), the Fall semester is soon upon us!

This month is going to be a little on the pricy side for childcare. Our current childcare facility (the JCC)’s last day is on July 31st. They close for a week for teacher planning before the next school year begins. But our new childcare facility doesn’t start until August 12th. So we’re left with 7 weekdays with no childcare! Yikes!

Although my job does allow some flexibility for working from home, there’s no way I can stay home for the entire 7 days in a row. Especially at this time of year (being brand new, trying to get all the prep work done for my classes, endless meetings, setting up my new office, etc. etc. etc.) it’s just not feasible.

So after racking our brains for possible options we’ve finally resigned ourselves to the fact that we’re going to have to pay someone hourly to come to our house to watch the kids. This is WAY more expensive (per hour) than taking them to a childcare center. But I also don’t feel good about just throwing them in a random childcare center for 7 days and then moving them again to the new place (they’re not great with change, and moving to the new facility is going to be enough of an adjustment. Plus – anyone remember our bad experience with a childcare center last summer? That experience has scarred me a little so I’m extra careful about vetting places now). To me, this is really our only available option.

And, even so, I’m still going to have to take off work. Our babysitter is a senior in high school and schools start back next Thursday so she can only watch our kids Monday-Wednesday. The plan now is for me to stay home Thurs-Fri, and for hubs to stay home the following Mon-Tues, and then they start the new place on Wednesday, August 12th. Whew!

In addition to babysitting expenses, the new school has a whole list of things we need to bring. I’m going to use our same lunch boxes, but we need a new backpack (I’d only bought one last year and we never even used it, but the new place requires them and I want them to each have their own), we have to bring some school supplies, oversized shirts (to wear over their clothes for art projects), and it seems like a ton of other things that I can’t even remember right now. I just remember going through the paperwork seeing dollar signs as I was reading.

Even so, I’m VERY excited for them to start this new preschool. I absolutely loved the JCC and will sing their praises to the very end. But it’s not practical to stay there given the distance from our home (especially now with me working), and our new place seems really awesome, too. I ADORE their teacher, its closer to our house, the curriculum is incredible (it follows NAEYC standards), and it’s cheaper! A win-win-win all around!

So hopefully after this first month of extra childcare expenses (due to babysitting costs and back to school supplies), costs should even out a little bit.

I don’t know if its just because I’m in higher education, but I have always LOVED back-to-school excitement! You can just feel the energy and buzz in the air! I find it especially true on a college campus, but I’m sure it’s a similar feeling everywhere.

When do your kids go back to school? How much do you typically spend on back-to-school supplies?


“Free” Swim Lessons & A Preschool Update

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Remember when I put out the question of whether it would be a worthwhile expense to pay for swim lessons for my girls this summer? As a reminder, they have never been in any paid activity (ballet, soccer, swim, etc.) in their entire lives with the exception of childcare.

Well we just got letters sent home from our girls’ preschool (they attend the Jewish Community Center). We signed permission slips for the girls to go to the pool over the summer months where they will be receiving swim lessons from certified water safety instructors! This is “free” to us (in quotations because we pay a lot for the childcare, itself, but we are not required to pay any additional money for the swim lesson services). So YAY!!! I was super excited about this because I had NO IDEA this was going to happen! What a selling point/benefit for parents! I’m surprised they didn’t make a big deal about this when we first enrolled our kids here (they didn’t even mention that over the summer they do swim lessons!) To be fair, it’s surely not as in-depth as paid lessons (they go for 30 minutes twice per week for a few weeks in the summer), but it will teach them the basics and won’t cost us additional money out of pocket. Win-win!!

So that’s the free swim lesson update. Onto the preschool update…

Currently we pay a TON for very high quality care (see our budget where these costs are outlined here). Finding care for children aged 2 and under is challenging in our area. There were cheaper options available, but the quality wasn’t nearly as good. You can read about one of our experiences here. So we were willing to pay extra for really high quality care. There were two main issues related to this when we chose to go to the JCC. 1. Cost, and 2. Distance. Our current childcare facility is a full 30-40 minutes away. And since I work from home, that’s a 60-80 minute round-trip twice per day (once for drop-off and once for pick-up).

When the girls first started I was pretty diligent about staying at the JCC the whole day. I’d work in the library, then move to the patio, out to the commons area, etc. But there were lots of distractions and across time I found myself simply driving home more and more often. This, of course, meant less work-time since I was spending more time driving. In the past month or two all this driving has really become burdensome for me professionally speaking. I’ve had difficulty getting my work done in the limited hours available to me. The girls are in preschool 21 hours per week, but I easily have 30 hours worth of work. Not to mention the driving time means that the 21 preschool hours really only equals about 17-ish hours of actual work time. Less when you factor in other miscellaneous errands or activities (e.g., I’d often go to the gym at the JCC for 30-45 minutes when I’d drop off the girls. This reduces my work hours even more…now down to about 15-ish per week). The point is that I ended up working more and more late in the evenings and/or on weekends and felt my overall productivity waning. Toward the end of the Spring semester I was barely hanging on by a thread. Still taking care of my responsibilities, but just barely.

So we knew it was time to move the girls to a new preschool facility. They turn 3 in June and a ton of new options will become available to them (many preschools are only for potty-trained kids age 3 and up, so they weren’t options last summer). I found one place I really like (I spoke about it here). Last Friday I went to the preschool office and paid the enrollment fee ($75 per child) so starting this Fall (the preschool year is the same as the academic year in our area – starting in August and running through May), our girls will officially be starting a new preschool!!!

I’m super excited because both of our big issues with the JCC (price and distance) will be resolved to some extent. Instead of a 30-40 minute drive, our new preschool is about a 10-15 minute drive. And we’ll be saving some money, too. I ended up deciding to enroll the girls in 5 half-days instead of 3 full-days. The difference is 21 hours (for 3 full days) versus 25 hours (for 5 half days). The price is going to be about $800/month for both kids. We’re currently paying over $1,000/month so we’ll be saving a couple hundred a month (not to mention gasoline and having more work-able hours since I won’t be driving as far). I wish we’d be saving more, but I think this was a good compromise and I’m happy with the trade-off.

We do have to be officially “accepted” to the program (I had to fill out a huge application packet and they’ll notify me within 2 weeks if we’re accepted or not), but the woman at the front desk didn’t seem worried about it. My guess is its more of a formality to make sure there aren’t glaring red flags about the family or children somehow. I think we’ll be okay (fingers crossed).

So now let’s just hope that the transition is a smooth one. The new preschool has fabulous reviews and I coincidentally met a mom at the park whose kids go to the preschool and she just raved about it. So I’ve got high hopes!

Do you pay for summertime activities for your kids (if you want to share, just out of curiosity, I’d love to know how much you pay and what the activity is)?

How much do you pay for childcare?


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