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Posts tagged with: summer camp

Update on Plan #4: Summer Camp

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There were many comments on the amount of money I am paying for the kids’ summer camp this year. And I have always admitted it was a large amount, but I thought it was worth it AND I believe (and still believe) this will be our last year of summer camp.

But even before my job loss, my perspective was changing a bit.  One because of the cost and two as I considered other ways the money could be spent.

What I Did

In early January, I had a conversation with Princess who was scheduled for 4 of the weeks of camp I was paying for. We discussed my thoughts about the amount of money is a 13 year old friendly way. I also showed her some other ways the money could be spent. I reiterated my commitment of sending her to camp for the four weeks, but I wanted her to consider these other options. And left the decision in her hands. We also discussed the private school she visited last fall. The deadline for application was Feb. 1 and I wanted to know if she still wanted to apply.

Bathroom selfie time with Princess and I

Every couple of weeks, I would check in with her on her thoughts. No pressure.

Decision Made

A couple of weeks ago, she came to me and said she was willing to give up the second session of camp. I was so proud of her for coming to the decision on her own. (Unfortunately, I probably would have forced it with the job situation. I’m glad I didn’t have too.)

I called the camp this week, and cancelled the second session.  They were very kind about it and said if something changes, they would be happy to offer me the deal I had locked in by booking last summer.

Moving Forward

The balance due for my younger two to attend is $1,430 (combined.) While I slowed down on my debt payment while I job seek, I am committed to paying this balance off by the end of April.

Full debt update coming this week.


Hope’s December Debt Update

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It is time for another debt update. But I’m really excited about the one to come in January. You will notice that other than eliminating my Amazon debt, very little has changed in my debt load since my last update. Per my Plan #1, my goal is to pay off the computers by the end of the year. I’ve been paying the very minimum required on all debts in order to meet that goal. I’m still on track but it is going to be VERY, VERY close.

Creditor
Balance

(as of 10/14/17)
Interest
Min. Payment
Car$9,3147.00%$308
Credit Card$4,47517.00%$36
Summer Camp (2018)$3,3750.00%$0
Student Loans$34,3492.88%$307
Computer Equipment$2,71322.90%$84
Taxes (State)$5,8000.00%$100
Self Lender$97010.57%$97
Collections 1 (Medical)$618
Collections 2 (Apartment)$499
Collections 3 (Ex-husband)$6,2606.25%$246
Amazon$026.99%$0
Total$66,273$1,178

Meeting My Deadline for Plan #1

To make it happen, I have stopped paying on the kids’ summer camp. We’ve also continued to mostly eat through out pantry which means other than canned veggies we are down to almost nothing in our kitchen.  The kids are not too thrilled with me right now.

empty pantry
Today I will surprise them by restocking our kitchen in preparation for Christmas. They are going to be thrilled. We’ve had a white board going with a grocery list of all their wants and needs.  I’m hoping I can get everything for right at $150. And if we can make it to the end of the year with those groceries…that will be $200 spent this month on groceries and an extra $400 towards my end of year goal.

We won’t be able to do this again because we really have cleaned the pantry shelves, but it is has really helped this fall with paying off some debt and getting ahead on other things.

Next Steps, New Year

I will review my overall financial plan after the new year. I’ve had some more changes on the job front, but I’m not ready to publish them.  I’ll have a better idea after January on how my income is going to look.

It’s stressful, but I’m making good headway in picking up odd jobs and at least part time stand alone clients.


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