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Are Extracurricular Activities Necessary for Young Children?

September 8, 2015 By MelissaB 1 Comment

Little Amber is performing in her first dance recital.  She’s only three years old.  She feels pretty in her sparkly costume, and she likes the way her mom has done her hair.  But, she can’t remember many of the dance moves.  She and her classmates spend most of their time on the stage looking to the wings where their dance teacher hides from the audience behind the curtain and performs the moves with the girls.

Amber’s parents pay for dance recital pictures as well as a DVD to capture the memories.  In all, they spend about $200 on the recital, in addition to the regular lessons they pay for all year.

Plenty of parents have their young children in extracurricular activities and can relate to the experience and the price.  As parents we’re told again and again how vital extracurricular activities are for our children, but is this myth true?

Do we need to have our children in expensive extracurricular activities?

Falling for the Myth

Extracurricular ActivitiesWhen my oldest child was 4, we enrolled him in a few extracurricular activities.  This continued until he was 7 at which time we decided to get gazelle intense.  Our two youngest children had no opportunity to be involved in expensive extracurricular activities because of our tight budget.

What have I noticed?  While my oldest was a busy kid thanks to school, homework, and extracurriculars, my two youngest (now 5 and 6) have a lot more free time AND play time.  Sure, they fight (often), but I also see how creative they are.  Every day they’re coming up with new stories to act out and games to play.  Contrary to the myth that kids need to be involved in extracurricular activities, I find that my younger two seem to be better off without all of the extracurricular activities.

Are Extracurricular Activities in Preschool Necessary?

We’ve also bought into the myth that kids need to start a sport or activity early—the earlier the better.  If your daughter is going to have any chance of being successful in dance or gymnastics, she should start at 3 or 4.

But that’s not necessarily true.

“Misty Copeland, who has been promoted to top dancer at the prestigious American Ballet Theatre in New York. . .started ballet lessons at 13” (NPR).

Do You Have to Outsource?

You may think, rightly so, that some lessons like swim lessons shouldn’t wait until your children are older.  I would agree with that.  However, do you have to outsource the swim lessons?  Just this summer, I looked into swim lessons for my kids.  They were going to cost $200 for 5 days’ worth of lessons, 15 minutes per day per child.  Yikes!

Instead, my husband started taking the kids to the pool one by one and teaching them how to swim.  They love the one-on-one time with dad, and we love that we don’t have to pay $600 to teach three kids how to swim!

If you have your children in extracurricular activities, there’s nothing wrong with that.  However, if you choose not to, or you can’t because you can’t currently afford extracurricular activities, know that there are plenty of other ways to teach your children things like swimming.  Some of our best athletes, like Misty Copeland, don’t even begin their sport until their teens.  Your children will be fine.

How important do you think extracurricular activities are to young children?  Do you have your children enrolled in extracurricular activities, or do you choose not to?

Filed Under: Children, Married Money, ShareMe Tagged With: children, expenses, extracurricular activities, school

How to Manage the High Cost of Back-to-School Expenses

August 27, 2015 By MelissaB Leave a Comment

Do you remember the back-to-school excitement?  Your parents likely took you out shopping for new clothes and new folders, pens, pencils and other supplies.  While you couldn’t wait to get out of school in June, you were equally excited (at least temporarily) to go back in August or September.

Yet, now, many parents may dread the back-to-school season because of the financial burden.  Yahoo! recently reported that the average back-to-school price tag for a high school student is $1,402!  That includes the cost of back-to-school supplies, musical instrument rentals, sports and field trips.

If the high cost is concerning you, especially if you have more than one school-aged child, there are plenty of ways to save.

Back to School Supplies

manage back to school expensesWhen it comes to back-to-school supplies, there are several cost-cutting measures you can take.

Shop the sales.  Target, Walmart, Office Depot, they all offer back-to-school supply sales.  Cherry pick the best deals, and you won’t have to pay much for school supplies, especially when you can get notebooks for .05 a piece!

Check out the dollar store.  Your local dollar store will have school supplies at a fraction of the cost of retail.  This is a great one-stop shopping place to go if you don’t have the time to cherry pick sales.

Clothes

Buying your kids new clothes for school can really eat into your budget.  Try these strategies:

Take inventory first.  Before you buy any clothes, take inventory.  You and your child can look through her closet and see what clothes are still in good condition.  You  may find you have very little to buy.

Stagger your purchases.  There’s no rule that says you have to buy all your child’s back-to-school clothes the week before school.  Buy some jeans and long sleeve shirts before school.  Then, in October or November when the weather cools, buy some sweaters.  Stagger your purchases based on need and sales.

Buy second hand.  Another option is to buy second hand, either through a consignment store or a place like Goodwill.  You can also try joining and buying from Facebook groups selling the brands of clothes you like.  You’ll save a bundle!

Extracurricular Activities

Extracurricular activities are important for your children’s development, and in the high school years, participation also helps to round out their college application.  Yet, extracurriculars can be expensive!  The key is to find ones that your child enjoys and that you can afford.

Look for free extracurriculars.  Especially when children are younger, look for things that they can do for free.  When my son was young, choir was free, but after school gym cost money every month.  He joined choir, and then later he also joined Art Club, in part because it was free.

Choose one extracurricular.  As your kids older, choose one extracurricular activity that they excel at.  Have your child focus on that one.  Then, you only have one expense to pay versus three if he was on a sports team every season.

Have your child become a teacher.  Has your child been taking piano since she was five years old?  If she now has 10 years’ experience, she could start offering lessons to younger students to help pay for her own lessons.  There’s nothing wrong with a high school student helping to pay for her activities and interests.

Combine these strategies, and you’ll find your back-to-school expenses are much more affordable.

What are your favorite strategies for saving on back-to-school items?

Filed Under: budget, Children, Frugality, Married Money, Saving, ShareMe Tagged With: back to school, back to school expenses, frugal, school, school expenses, school supplies

Our Cross Country Move: One Year Later

July 13, 2015 By MelissaB 4 Comments

Almost one year ago, our family made the move from Chicago to Tucson, Arizona.  Honestly, I wasn’t that excited to be moving so far away from my family in the Midwest, but we thought the move would only be for two or three years.  The move was a smart choice for my husband’s career (something we still believe), so I tried to make the best out of it.

Now, a year later, I’ve found that a cross country move can evoke a wide range of positives and negatives.

The Positives

Cross Country MoveKeeping in touch with relatives is easy, thanks to technology.  My mom has made the trip out to Tucson three times in the year we’ve been here, so we’ve been lucky to see her so frequently.  Because of the cost of taking our family of five such a distance, we only expect to be able to travel to see her once a year.  She’ll likely cut her trips down to once or twice a year to see us from now on.  However, thanks to Skype, keeping in touch is easier than ever.  Whenever the kids miss grandma, we just Skype with her.

Having a back yard is priceless.  In the Chicago suburbs where we lived, we just had a tiny patch of yard.  Since we were renting, we couldn’t do anything with it.  Now, we have a full back yard for the kids to play in and we have three garden beds (though we’re still learning how to grow anything in this crazy desert).

A cheaper cost of living rocks.  No surprise, Chicago was expensive.  We could never own a house because property taxes alone were $12,000+ a year, and starter homes in less than ideal conditions were easily $350,000 as a starting price.  In Tucson, we’re able to own our own home, and the property taxes are a fifth or less of what they were in Chicago.

The Negatives

All health insurance policies are not the same.  My husband’s health insurance policy in Chicago was generous, but we always found it very annoying that medical bills were not paid until 9 to 12 months AFTER the appointment.  (Illinois’ tight budget was the reason.)  When we moved here, I was impressed that our bills were paid within a few weeks.  However, we pay more to insure our family here, and fewer expenses are covered.  We did not estimate just how deeply medical bills would impact our bottom line, and right now we’re recovering financially from the nearly $5,000 we had to pay out of pocket for the first four months of medical expenses in 2015.  (These expense would have likely been much less with our Illinois insurance.)

Moving is SO expensive.  We originally hoped to only be out here for two to three years, but moving cross country is so expensive.  Now I find myself hoping we stay here five years so we don’t have to spend so much money to relocate so quickly after relocating here.  We need time to recoup our expenses.

Moving cross country has been an experience, but despite the expenses, we’re still glad we did it.

Have you made a large move?  What did you learn a year or so into relocating?  Would you do it again if you had the choice?

Filed Under: Married Money, ShareMe, Travel Tagged With: cost of living, cross country, moving, moving expenses

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