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7 Unexpected Expenses as Your Kids Get Older

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Unexpected Expenses as Your Kids Get Older

My friend recently had a baby, and she has so much fun dressing him in cute clothing that she buys from Etsy. He has a better wardrobe than most adults! I understand her excitement in decking her baby out in adorable clothing (I did the same thing when I had my first child). However, I know her budget is tight, so I want to tell her, “Save some of that money for unexpected expenses as your kids get older,” but, of course, I don’t say that. Yet, parenthood has taught me that life will always throw you and your kids curve balls, which are often expensive!

Here are some unexpected expenses to plan for as your kids get older:

Larger Vehicle

You may think your current vehicle will suffice, especially if you only have one or two children. However, you may be surprised how quickly your family outgrows the car. We had a Toyota Echo when our first child was born, which I thought would be fine. However, we traveled frequently, and all the gear we had to bring for the baby didn’t fit in an Echo. So, in less than four months, we moved up to a minivan, which we still have 18 years later!

Don’t forget that your kids will likely want to bring friends to different activities, which is another reason you might need a bigger car.

Increased Grocery Bill

Everyone knows the grocery bill will increase when you have kids, but no one is prepared for the tween and teen years. Kids that age are growing rapidly, and they need a lot of food! When my son turned 11, I was shocked at how much he started to eat!

Private School or Homeschool

Public school is a good option for most kids, but some need a different environment, so their parents send them to private school. Or, parents like us might decide that homeschooling is a better option. Unfortunately, you may have planned for your kids to graduate from public school, so you’re unprepared to pay for private school or homeschooling when public school doesn’t work out.

Therapy for a Disability

Unexpected Expenses as Your Kids Get Older

No parent thinks their child will have a disability. I didn’t, yet, I have three kids, and each one has two diagnoses—two with autism, two with dyslexia, two with ADHD. These disabilities have cost us thousands of dollars in therapy that insurance would not cover. Thankfully, the therapy helped and the kids are doing great, but we did not anticipate having to pay for therapy, let alone having to spend so much.

Psychologist

Likewise, many kids, especially during COVID, needed a psychologist’s assistance. While most insurance plans cover psychologist appointments, you will likely have to pay a co-pay. Even if your co-pay is only $20 a session, you’re paying $1,080 over a year if your child goes once a week.

Electronics

Thirty years ago, parents didn’t have to pay a lot for electronics unless it was for a Nintendo or Atari game. Now, kids need laptops for their schoolwork, especially since some of the work (or all of it) may be online. In addition, most teens and tweens have cell phones that you’ll need to pay for.

I bought my youngest two simple Gabb phones, but they still run $50 monthly for two lines. Electronics expenses add up quickly!

High School Fund

A wise parent will start a high school fund when their children are young. Many activities in high school are pricey. Consider saving for

  • Class trips,
  • Homecoming,
  • Prom,
  • Senior pictures,
  • College application fees,
  • ACT or SAT prep and test fees

Final Thoughts

If you have a baby or a toddler, pour yourself into them, but remember, there are many unexpected expenses as your kids get older that you’ll want to save for now. Even though it’s cute to dress babies in adorable clothes, make sure you’re also saving for the future.

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Our Favorite Quick Lunches for Kids

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Quick Lunches for Kids

Back-to-school season brings the dreaded lunch prep. If your child doesn’t get a meal at school or you need to pack food for daycare, you know what I mean. Parents should pack a lunch that the kids like, has variety, and is relatively healthy. After a few weeks, getting into a lunch-packing rut is easy. My kids used to go to school, and I remember how time-consuming packing lunches could be. Now we homeschool, but last year, instead of making lunch every day, I started packing our favorite quick lunches for kids so they could pull them from the refrigerator at lunchtime, and it was a time saver!

Time-Saving Techniques

Utilize these strategies to save time preparing lunches:

Get the Kids Involved

Let the kids help you by making sandwiches or filling containers with chips. Kids are more likely to want to eat what they help make because they can make the food the way they want (within reason). For example, my girls split this job. One makes all the sandwiches for the week, and the other fills all the chip containers.

Take Advantage of Dead Time

When cooking dinner, I often have dead time when I need to stir the meal I’m cooking, but I don’t have anything else to do while waiting for the food. I use this time to cut carrot sticks and celery or other fruits and vegetables to add to lunches for the week.

Prepare in Bulk

Another good strategy is if you’re making a few, make many. For instance, if I need four hard-boiled eggs for a meal, I’ll make 12 so that I have extra that I can use for future lunches. Likewise, if I make energy balls with peanut butter and oats, I’ll make a double batch and stick some in the freezer for lunches next week.

Easy Foods to Prep

Some foods are quick to prep and freeze well.

Frozen Peanut Butter and Jelly Sandwiches

Instead of making one PB & J sandwich, make sandwiches out of an entire loaf of bread. Then, freeze each sandwich. Remove it from the freezer in the morning, and the sandwich will be thawed by lunch.

Muffins

Quick Lunches for Kids

Make a batch or two of banana muffins or another flavor your kids like and pop them in the freezer. Then, you can pull them out individually to put in lunches each day.

Easy Fruits

Some fruits like cantaloupe and watermelon require you to cut them open and chop them into bite-size pieces. These aren’t the kind of fruits I pack. Instead, I choose easy fruits such as clementines or grapes. All I have to do is stick a clementine in the lunchbox or give the grapes a quick rinse and put them in the container.

Final Thoughts

Making lunches can be time-consuming, but the process doesn’t have to be. Our favorite quick lunches for kids are easy, nutritious, and taste good. Plus, you’ll have more time in your day when you’re not spending as much time prepping food and packing lunches!

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Free Ways to Keep Kids Occupied If Under a Shelter In Place Order

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If you’re like me, one day you knew that there was a virus circulating the globe.  You knew that there were cases in America, and you were cautious, but not too concerned.  And then, on a Thursday, things started to get intense.  Shops were running low on groceries.  A few days later, kids’ schools were cancelled.  And now, just a few weeks after that, much of the United States is shuttered.  If your kids are bored, here are some free ways to keep kids occupied if under a shelter in place order.

Free Ways to Keep Kids Occupied When Under a Shelter in Place Order

Set a Schedule

The most important thing I would suggest you do with your kids is set a schedule.  It doesn’t have to be rigid, but instead, just a general guide for the way the day will go.  Kids thrive on routine (school is based on routine), and without it, kids can feel bored and lost.

At our house, we already homeschool two kids, and the other one is home from public school.  We do school roughly most of the morning, the kids get a tv break before lunch, then we do more school and creative activities in the afternoon, and the younger ones get TV time or video games before dinner.  After dinner, we have a show we watch together, then we have read alouds, and then bed.

Even though the whole world feels off-centered now, we roughly know what will happen every day.

Encourage Creativity

As I mentioned, we have creativity time.  You can browse Pinterest for craft ideas, or YouTube for art videos.  Or, you can join Mo Willems for Lunch Doodles and get a free art lesson daily.

Require Some Learning Every Day

If your children are home from school, they likely have class work to do.  If their school has stopped all coursework, still have your children do something educational every day, whether that’s doing Khan Academy, or playing a math game online, or reading a book, or watching a documentary on television.  My kids and I are still doing three to four hours of school a day.

Be a Little More Lenient with Media Time

Having said that, we’re all a little bored and stir crazy, so it’s okay to give your kids a little more media time.  I’ve doubled my kids media time (from 1 hr. per day to 2 hours per day).  Just be careful not to let them spend all of their time on media.

Free Ways to Keep Kids Occupied If Under a Shelter in Place Order

Photo by JESHOOTS.COM on Unsplash

For many kids, increased time watching TV and playing video games can lead to increased negative behaviors, so give them more leeway within reason.

Enjoy the Family Time

Lastly, enjoy more time as a family.  Before this pandemic, most of us were too busy every day.  Now we have the gift of time together.  Take that time to play a board game together or watch a movie or have a family discussion.

Final Thoughts

If you’re stuck at home, as so many of us are, try to find the positives of the situation.  We’re all experiencing something we’ll likely never experience again in our lifetimes.  Use these free ways to keep kids occupied if under a shelter in place order to make the time go faster and be more productive for the whole family.

How To Pick the Best School District for Your Child: 5 Tips for Parents

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best school disctrictWhen choosing a new home, the local school district can make or break the deal for many parents. You can find your dream home, but if the local schools are inadequate, it’s not worth sacrificing your child’s education for it. Before making such an important decision for your family, you will want to make sure you’re moving into the best school district available.

This can be done by following a few simple tips.

Check School Ratings

Checking the area school’s ratings can be quick and easy. It only takes a few minutes of online searching to find the answers you are looking for, but what exactly do you want to find? Test scores are an excellent way to judge schools within the district. Schools are rated by numbers one through five. Five is excellent, and you want to look for this rating. A five is easy to achieve, so if a school is falling short, it could be a sign of underlying problems. Look into personal ratings as well. Websites such as Rate My Teacher post ratings that high school students give their teachers. The site is free to view.

Look Into Crime Statistics

Be sure to check out the crime statistics for the neighborhood. There will be obvious signs of a high crime area like barred windows and multiple sex offenders nearby that we all think to check for, but you may want to investigate a little further. There are many online sites that list neighborhood crime rates for you. Your family’s home security should be your first priority.  Local law enforcement agencies also have important information on their websites. Don’t forget to look on the local news station’s site too.

Be sure to check out the crime statistics for the neighborhood. There will be obvious signs of a high crime area like barred windows and multiple sex offenders nearby that we all think to check for, but you may want to investigate a little further. There are many online sites that list neighborhood crime rates for you. Your family’s home security should be your first priority, so you may also wish to also invest in a house security system for an additional layer of protection when considering a new neighborhood. Furthermore, local law enforcement agencies also have important information on their websites. Don’t forget to look on the local news station’s site too.

The Educational Approach Used

Does the school district model their work after a certain educator? Many districts follow specific models of education such as the Montessori Method, Dr. Mel Levine’s All Kinds of Minds, or Dr. Howard Gardner’s Multiple Intelligences. They may follow philosophies like Waldorf, Reggio Emilia, or Montessori. Research these programs to find out more about each one and if it will suit your child’s needs.

Visit the Local Schools

Ask to visit the schools within the district during a regular school day. If you are denied the privilege, this is a major red flag. During your visit you will want to watch how the teachers interact with the students, other adults, and parents. Pay attention to details such as if the teacher makes sure the students understand the information. Ask yourself if the kids are focused or disruptive during class time. Visit several teachers among many grades to get an accurate perception.

Finding a Good Fit For Your Family

A school district can look fabulous on paper, but if it doesn’t fit the needs of your children, that won’t make a bit of difference. Find out if they offer transportation that fits your schedule and you feel comfortable with. Ask other parents about the levels of homework assigned, and find out if they offer after school programs that interest your children.

After you have done your research online and finished the footwork required to get an idea of what your school district is like, you’ll be able to make an informed decision that will greatly benefit you and your children in the future.

What other tips do you have to pick the best school district possible?

Saving Money With Back to School Shopping

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back to schoolI can’t believe we’re already nearing the end of the summer. This past week the flyers were delivered and jam-packed full with back to school shopping deals. I feel like we were just talking about Easter! Time goes too fast.

When it comes to grade school, back to school is a time of year when pressure is put on parents. Kids need to go to school and they will require some new items for their pending academic year but it doesn’t have to be as expensive as your children will have you believe. Kids have a funny way of making it seem like they couldn’t possibly succeed without ‘x’ item and guess what? As parents, we will occasionally get duped by our kids. We will inevitably purchase an item we didn’t have to, sometimes because we’re suckers and believe them and sometimes because we just love them. Back to school shopping can be very expensive but there are a few ways to save!

 

Budget

This isn’t exactly about saving money per se, but if you know your child will be needing new supplies every year, budget for it! Determine how much money will be spent on each child and budget the amount equally over the year so you’re not faced with a huge bill come school shopping time. This should include any supplies, clothes and gadgets they will need. Once you’ve set a budget shopping will be a lot less stressful, especially if you’re able to set ground rules with kids in advance.

 

Wait for Sales

The normal price for a pack of looseleaf paper at my local Walmart is $1.79/pack, this week it is on sale for $0.15. Needless to say if I was shopping for my child I would be buying enough paper to last the next 10 years at that price.

In many places, there are also tax free days for back to school shopping, which can at least give you a little break on the taxes you pay on your school supplies.

 

Reuse

When I was in elementary school I needed a new backpack every year. I’d find a flaw in my current one just so mom could buy me a snazzy new one. Eventually she caught on and bought me a good quality backpack with the stipulation that I took care of it and it was to be the last one she ever bought me. Fair enough. That bag ended up lasting me all the way through university, money well spent.

Same thing goes with things like sneakers ad clothes, unless your child is growing a legitimately doesn’t fit in their current size, or their shoes are really falling apart they don’t need a new pair just because it’s the start of a new year. Though I respect wanting a new outfit or two for the new year it doesn’t have to be a full wardrobe overhaul.

 

Share What Can Be Shared

If you have more than one child to shop for, and there are items that can be shared, capitalize on this. Each child does not need their own computer. Trust me, I know they will have a very elaborate explanation as to why they do, but unless you have a household of five plus children all in school, one computer for the children will suffice.

Back to school is a stressful time for families with the drastic change in routines, shopping for supplies shouldn’t be!

How do you save on back to school shopping for your kids?

Entertaining Kids During Christmas Break

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Entertaining Children Chirstmas BreakWith kids being out of school for a few weeks during the Christmas break, it’s easy to run out of ideas on how to entertain them. Growing up, my mom would send me to the mall with friends, handing me $40.00 to basically entertain myself for the day. While a nice treat once in a while, for most families, especially during the holiday season, this would quickly add up to be a big budget buster.

Here are a few ideas to entertain the kids (young and old) while on their Christmas break:

Host a Gingerbread House Building Party

This is loads of fun for kids of all ages. Have your child invite their friends over, either with a gingerbread house kit in hand, or you can provide the house for them (using an easy recipe and template). Have candy provided in dishes (on your well wrapped table, it will be messy!) and let them have fun creating. Don’t want to do a whole house? Try decorating gingerbread or sugar cookies instead.

Have them Volunteer

While volunteering with your children year round is encouraged, Christmas is usually a time when extra help is needed. Soup kitchens and food banks in particular are often looking for extra help during the season. If your child is under the age of 16, you may either need to grant permission or be present. Check to see if your local mall needs gift wrappers. Many malls offer gift wrapping services, often provided by volunteers, with funds raised going to local charities. Although this should never be the only reason why one does it, volunteer work looks great on university and college applications too.

Host a Christmas Themed Pajama Movie Party/Sleepover

Have a few of your kids friends over for a fun night of watching Christmas movies in their PJ’s (sleepover or not, you have to be comfy!). Provide a few snacks or have them help you make a homemade pizza and you’ve got yourself a budget-friendly party. You could even make use of one of the best vpns for torrenting and download the movies the kids want to watch in advance so that you don’t have to worry about the dreaded buffering sign appearing during the movie and derailing things when everyone is quiet and engaged in the magic of Christmas movies.

Go Outside and Play

Especially in today’s technology driven world, we forget about the simplicity of encouraging outdoor play without an abundance of toys. Encourage them to explore; pick up a stick and use their imagination! Make sure they’re well bundled if you’re fortunate enough to live in a cold winter environment and let them enjoy the fresh air.

Have them Help You Prep Meals for the Holidays.

Most kids like to explore in the kitchen. It’s a great opportunity to have the learn some kitchen skills from you and your family. Yes, it will take longer than if you did it yourself and yes, your kitchen will likely be much messier but the skills that you’ll be able to teach are much more important than some spilled flour.

Check to See if Your Local Theater Offers Christmas Break Discounts

Most movie theater chains will offer discounted tickets during the local school break as a way of encouraging the movie-going experience so check it out!

Crafts

Have your kids make everything from Christmas cards or gift tags to tree ornaments. The possibilities are endless and most require very few supplies. Who wouldn’t love a homemade card from your young one?

Encourage the Inner Entrepreneur

If you have older kids, encourage them to use their time off to make some money during their break. Ideas include: shoveling driveways, offering to get groceries (or run errands) for people who need extra help, or dog walking for people who may be away or just too busy to do it themselves.

Christmas can be stressful enough, you shouldn’t have to worry about what your kids are going to be doing while off from school. With a little creative planning, you can quickly fill their time without breaking the bank!

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Valentine’s Day Nostalgia

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Valentine's Dy

Photo on Mysie.com

I am so excited about Valentine’s Day! My husband and I usually do a date night –  sushi, typically – and while that’s always fun, and I really enjoy getting some alone time with my hubby; I’m looking forward to Valentine’s Day for a different reason this year.

At first, I couldn’t really figure out why I’m so jazzed about Valentine’s Day this year. I’m not crazy about hearts, I prefer jelly beans to chocolate, and my husband and I don’t make a big deal out of the holiday. However, I began to realize that I have really fond memories, of the Valentines parties we  had  in grade school. Since this is the boys’ first year in preschool, that means it’s the first year they get to do a Valentine’s party and card exchange.

Valentine’s Day as a kid

I keep thinking about how much I enjoyed Valentine’s Day as a kid. I have mentioned before that I am not crafty and that it was even worse when I was young. I always colored outside the lines and my drawings were hard to decipher. One time our teacher gave us each a big piece of paper and said we could make anything we wanted, I tried making a paper purse; which just ended up being a messy blob of paper, glue and tissues. The teacher later told me she meant we could draw whatever we wanted to. Ohhhhhhhhhhhhhhhhhh! Well, why didn’t she say that?

When it came to Valentine’s Day though, I really tried to do my best and make my Valentine’s mailbox the best that it could be! I was sure to put just the right amount of glitter, hearts and paper doilies on it. I also carefully wrote my name, so it would be easy for my classmates to locate.

I loved when it was time to go around placing our cards and goodies into each other’s bags. After that we would sit down and go through them. That’s when I had to see if, 1) the boy I had a crush on gave me a card and 2) analyze what the card was trying to tell me. Did he like me, like-like me, or should I just drown my sorrows in some Tang and forget about him because the card said “I don’t want to be your Valentine.” Lucky for me, there aren’t any Valentine’s cards like that (at least not in the packages that kids give out), so I always came out hopeful.

Anyway, my boys aren’t at that age yet but N. carefully selected his Spider-man Valentine’s with lollipops for his class and A. chose Scooby-Doo with pencils. They keep asking me when they can take their cards to school and have their party. I guess I’m not the only one who is excited. I’ll let you know how it goes.

Are you doing anything for Valentine’s Day? What is your favorite Valentine’s Day memory?