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Posts tagged with: summer camp

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.


Summer Camp

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I realize that my stubbornness regarding the kids’ summer camp is rubbing some people the wrong way. I also realize that I am spending a great deal of money on their summer camp. In fact, the amount I am spending is probably more than I’ve spent on their weekly summer camps for the last 5 or 6 years combined. I am aware of this. I own this decision. And as much as I would like to put the money towards something else, my kids will always come first.

Summer Camp Reasoning

With that being said, and all the comments I’ve gotten each post, I felt like sharing my thoughts and reasoning was necessary. I’m sorry if you do not agree with this choice, but this is one choice I am not willing to reconsider.

  • The kids will be 13 and 14 next year. It will most likely be their last year going to summer camp. They will both be old enough to get part time jobs the following year, and will want to (they already want to.)
  • They are REALLY isolated in this tiny town. As much I attempt to get them out and involved, it’s just a completely different world here. These weeks are camp at are a needed respite from that isolation. And they LOVED this camp this past summer.
  • Although I have been attempting to hire someone to help facilitate getting them out and about, even just to volunteer opportunities, well, I haven’t had any luck. The summer is worse since their brother will be gone again. They understand that this camp commitment will replace any chance of me hiring someone, and they are in agreement.
  • They shoot guns, ride horses, jump off huge platforms onto blobs in the lake, play nightly games, go camping and so much more that they have never done before. Some I’ve never done before. I want these experiences for them. I never got to go to summer camp. I want this for my kids. I can’t give them everything I want to give them, but I can give them this. This is in my grasp now.
  • And probably the most selfish reason of all, but with this camp, I get TWO WHOLE WEEKS of me time. As a single mom, this is just a breathe of fresh air. Two weeks where I don’t have to drive anyone anywhere, feed anyone, answer calls about drama at home and so on. Unless you have walked in my shoes, don’t judge. I don’t EVER get a break, NEVER.

This is my justification, excuse, whatever you want to call it for the camp commitment. I know it is delaying my debt free life a little while. But I also know I won’t get this time back with my kids, they won’t get time in their life back.

I can’t be the only one with a hold out in their “minimizing budget.” Do you have an item in your budget that others would question? What is your Achilles heal when it comes to your money choices? Obviously mine is my kids and their activities.


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