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Public Schools – One Week Later

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This is more of a personal update rather than a financial one, so please feel free to skip if not interested.

The kids have now been enrolled in the local public schools for one week. It has been a raging success from the very first day.

First day of school

Gymnast

Gymnast went in as a 7th grader, after completing the assessment the district provided. He tested much higher for reading but right on grade level for math. They wanted to put him in gifted classes, but I chose to keep him right at grade level while we work through this transition. His statements after the first day:

  • “Mom, two girls said they like me.”
  • “I got to sit at lunch with all my friends.”
  • “Public school is so easy.” (We will see how long that lasts.)

His favorite class – PE! And he’s decided he does not want to ride the public school bus after hearing horror stories. He’s already had no less than 3 coaches come up to him to recruit him to their sport. It’s going to be interesting to see if he gets tempted away from gymnastics. (He’s already been told he can not quit mid-season, but after April if he wants to, we can discuss other sports for the fall.)

Gymnast is VERY HIGH maintenance when it comes to clothes. As you may recall, they received clothing money a couple of months ago, but at the time they did not know that would be attending public school. Let’s face it, staying home all day and then going to gym requires a bit different wardrobe then going to public school every day. But I was not going to provide any more money. Instead, I took the money their dad sent for Christmas presents for them and let them spend it as they wanted on clothes. They each received $75 and had their own money to add to it.

Gymnast purchased the expensive shoes ($80) and then spent $5 on the t-shirt.  He already had the jeans and he received the jacket from his grandfather for Christmas ($25.) I pay for once a month haircuts for him ($10,) he chose to wait until the end of the month for this one so it would be fresh for school.

Princess

Princess went on to the high school, skipping at least one grade. We are not sure if she is going in as a second semester freshman or a sophomore. It will be determined after the public school district evaluates her transcript and class documentation of what she has done thus far. I am really happy with the choice to move her up, she is definitely ready.

Princess is my frugal, don’t care what I wear child. She chose to shop at the Goodwill Thrift Store with her clothing money. She bought several things and spent about $26 there. Then she went on to Walmart where she got these pants that she loves. I’m pretty sure she still has some money left. I love that she has her own style and is completely comfortable in her own skin. She’s definitely my child, goes for comfort over fashion any time!

Her biggest splurge was her hair. This is crocheted hair. It was our first time every trying it. Everything you can see is fake. Her real hair is braided underneath and the fake hair is crocheted in. The girl who did it charged us $40 and it took just under 2 hours to do. We also had to buy the hair which was just at $40.  We split the cost. I pay for her hair styles 1-3 times a year since it costs significantly more and Gymnast once a month at $10.

Me

The choice to send the kids to public school has caused me more stress than any other decision I have ever made, ever. At times, my fears threaten to overwhelm me. But I continue to try to remain positive. They are definitely loving it.

The logistics aren’t ask challenging as I thought they would be. We are all getting up early enough to eat breakfast together. It’s a good way to start the day. They are both taking their lunches. And then on days we must go to sports training directly from school, I pack a small cooler with snacks for them to have when I pick them up.

Sea Cadet has really stepped up to helping at home, cleaning the kitchen after whirlwind mornings, prepping dinner on late nights and so on.  He started back to his college classes this week. Taking 17 hours this semester and working part time at a local coffee shop.

I can’t say I like this arrangement, but I will say it has not been as bad as it could have been/was in my head. I’ve requested parent teacher conferences with the kids teachers be set up in 2-3 weeks so I can check in our their transitions.  But so far, so good.

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Plan #4: Kids Expenses

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I have struggled with this next plan. I know focusing on my kids expenses flies in the face of all the personal finance recommendations. But I have to go with my priorities and thinking of my long term plan.

Several recommended after the computers were paid off that I tackle the credit card. Here’s why I’m not doing that…I roll the credit card every month. To me, this means, I am paying it off every month and then reusing it. It’s never paid off at one time, but I am paying no to very little interest because I pay so much toward it and then reuse it. Does that make sense?  This puts it at a lower priority to me.

With that being said, the debt that is weighing on me is twofold: 1) ex-husbands debt with a minimum payment of $246 per month and 2) the kids activities and camp payments. I know #2 is completely by choice. But the kids, if you have been reading me for long, are my #1 priority, always!

The Costs

Currently, percentage wise, the kids costs overwhelm my budget, and I’m really starting to recognize that. Well, maybe not recognize, I have known that. But I’m starting to feel the weight of repercussions of that. (Some of us do have to learn the hard way, don’t we?) I am ready to get some of that weight off.

These are the debts/monthly costs I am ready to get rid of:

  • Camp costs (6 weeks of camp) – balance $3,375
  • Volleyball (season ends April) – balance $350
  • Gymnastics (training through April) – $960

The Plan

  • Gymnastics – typically I pay $240 per month for training. If I pay for this “semester” at one time, I get a 10% discount. That would save me almost $100, making the total $864. And I won’t have to think about it again until May when the costs will go down as we train less over the summer months.  My goal is to pay this next week, and breathe a small sigh of relief.
  • Volleyball – I am on a payment plan to pay $175 per month until paid in full, but I’m ready to be done with it. My goal is to pay the remaining balance on Feb. 9th (when the next payment is due) and be done with it. Another sigh of relief. (Princess dad did contribute $350 to the $1000 overall price tag.) I don’t think we will be doing this again. I believe she will opt to play a school sport after this now that that it an option.
  • Camp – ugh! I am so excited for them to go to camp this summer. They are so excited. But the cost!!! This will be the LAST summer for summer camp for us. However, with my job situation, I hesitate to pay anymore towards this until I know my financial situation after February. But this will be my next priority. I want to pay it off and be done with it. Grateful that I can do it for them, but super relieved that we will be done with camp. (I do know that when I have grandkids, summer camp money is what I’m going to give every year! I can’t think of a better gift both for my grandkids and my kids.)

This plan will get me into February.  I am continuing to pay the minimum on everything else, not acquiring any more debt and really focusing on not spending any money that is not absolutely necessary!

Do you have a financial plan in place for the new year?  I would love to hear what you have prioritized this year.