• Home
  • About Us
  • Archives
  • Contact Us
  • Advertise
  • Privacy Policy

Kids Ain't Cheap

But They Sure Are Worth It

  • Home
  • Toolkit
  • Parenting
    • Baby Stuff
    • Books and Reading
      • Aesops Fables
      • Comic Books
    • Education
    • Family Time
    • Green Living
    • Growing Up
    • Healthy Living & Eating
    • Holidays
    • Parenting
    • Random Musings
    • Shopping
    • Stuff to Do
  • Money
  • Product Reviews
    • Books and Magazines
    • Discount Sites
    • Furniture
    • House Keeping
    • Reviews News
    • Toys and Games

7 Free Activities to Do with Toddlers This Summer

May 19, 2022 | Leave a Comment

Free Activities to Do with Toddlers This Summer

When my kids were toddlers, we tried to do something outside the house every day, especially on the weekend. Staying inside made me stir-crazy, and I wanted the toddlers to burn off some energy outdoors. Summertime was my favorite time because there are so many free activities to do with toddlers.

7 Free Activities to Do with Toddlers

If you don’t want to spend a lot of money keeping your toddler entertained, try these free activities that toddlers love.

Visit Bookstores

Our bookstore had a large wooden train frame and several different toy trains. My son LOVED the train table. He would play for an hour at the table, and he enjoyed watching and interacting with other kids who came to play there. Parents can sit nearby and browse books while their kids play.

If your book store doesn’t have something like this, I still would take the toddlers to a bookstore, sit in a chair, and read them a few board books.

Utilize the Library

The library was one of my and my kids’ favorite places to go because there’s so much for toddlers to do:

Attend Storytime

We were regulars at storytime. Our library had storytime four times a week, and we showed up for many weekly sessions. They even had bilingual story time in Spanish. Afterward, the librarians usually had a craft for the kids to do. These events were a big hit with all three of my kids, and today they are voracious readers, which I attribute partially to all of the storytimes they attended.

Attend Enrichment Events

Likewise, many libraries have enrichment events you can check out. Our library has had magic shows, wild animal presentations, theater presentations, puppet shows, and many more activities. Check out your local library’s calendar and surrounding areas to find these events.

Borrow Busy Bags/Games

Libraries aren’t just for reading! In the kids’ area, many libraries have games and busy bags that their youngest patrons can check out. We always utilized these; my kids loved having new activities to do at home.

Museum Passes

At some libraries, you can check out museum passes, which allow you and your child to get into various museums around town for free! You can utilize these a few times a year to expand the places you have access to for free.

Attend Free Community Events

If you live in a larger city, there may be free community events during the summer. We lived in the Chicago suburbs when my kids were little, and every Saturday, my husband took the kids downtown to an event that featured singing, dancing, and games.

You may also find outdoor concerts, plays, and festivals. Fourth of July parades are usually a hit with the toddler crowd, too.

Swim

Free Activities to Do with Toddlers This Summer

Photo by Kenny Eliason on Unsplash

If you have a lake or public pool nearby, take your kids swimming. It’s never too early to learn to swim, and most toddlers love playing in the water and with the sand on the shore.

Final Thoughts

Entertaining your little one and getting her out and about in the community doesn’t have to cost a lot. These are just a few of the many free activities to do with toddlers this summer.

Read More

Encourage Toddler Play without Breaking the Bank

Interesting Ways to Keep Your Toddler Busy

Cheap, Fun Ways to Stay Cool This Summer

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Family Time, Growing Up, Parenting, Parenting Blog at KidsAintCheap Tagged With: free things to do, Library, Summer Activities, toddlers

Why Has Fast Food Become So Expensive?

May 5, 2022 | Leave a Comment

Why Has Fast Food Become So Expensive?

Our family hadn’t had our favorite fast food, Chipotle, since the pandemic began two years ago. When my daughter asked for Chipotle for one of her birthday meals this year, we happily bought it. But boy, were we surprised by the experience! We were shocked to hear our final total for four meals–$53! We were left wondering, why has fast food become so expensive? Our order total was significantly higher than when we bought Chipotle two years ago.

Why Has Fast Food Become So Expensive?

Fast food prices are increasing due to two variables.

Higher Priced Food Items

The United States is currently experiencing high inflation not seen in 40 years. The price of everything is going up including gas and basic goods like the food supplies fast-food chains rely on. When basics like lettuce, tomatoes, and meat increase, most fast-food chains have no choice but to pass those costs onto consumers.

Labor Shortage

In addition to higher food prices, fast food chains are experiencing a labor shortage, which has a ripple effect on the restaurants.

Shorter Hours

Some fast-food restaurants have cut their business hours because they don’t have enough staff. If the restaurant is open fewer hours a day, fewer workers are needed. However, the restaurant is then bringing in less money.

Fewer Items on the Menu

Some restaurants are offering fewer items on the menu to consolidate their business. For instance, Burger King is focusing on “menu simplification, removing low-volume items” (Insider). This streamlines the number of ingredients they need to buy and store.

Higher Wages

Finally, most fast-food restaurants have no choice but to raise wages to attract employees. Many chains have had to raise wages by 10 to 15%, which affects their bottom lines and requires them to raise food prices.

How to Combat High Fast-Food Prices

In our busy society, more and more families rely on fast food. However, if you no longer can afford fast food regularly, you have some other options:

Make Slow Cooker Meals

Why Has Fast Food Become So Expensive?

If you’re too tired to cook when you come home from kids’ activities or work, put a meal in the slow cooker in the morning before you leave. When you come home, a hot meal will be waiting for you.

Have Freezer Meals Ready

Another idea is to make meals to freeze. Thaw them the night before and reheat them when you get home. If you don’t have time for that, buy ready-made, family-size freezer meals from the store. They’re much cheaper than buying the whole family fast food.

Bulk Cook on the Weekends

Or, you could make several meals on the weekend. Then, during the week, reheat and serve. For busy nights when you won’t be home to eat, pack sandwiches and chips. It’s not fast food, but it is quick and easy.

Final Thoughts

Why has fast food become so expensive? The simple answer is that inflation is hitting all aspects of our lives. If you can no longer afford fast food regularly, you can try some other strategies to get a meal on the table quickly. Remember, inflation doesn’t last forever; eventually, you’ll be able to once again afford your favorite fast-food meal without such a punch to your wallet.

Read More

4 Bad Habits That Are Costing Your Family Money

Save More Money with the Best Restaurant Deals and Apps for Families

10 Steps to Create a Successful Stay-at-Home Mom Budget

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Money and Finances Tagged With: eating at home, eating out, fast food, inflation

4 Steps to Make a Move Smoother for You and Your Kids

April 21, 2022 | Leave a Comment

Gone are the days when people lived all their lives in the same small community in which they grew up. Now, people move frequently and across vast distances. On average, Americans move 11 times in their lifetimes. I’ve moved many times, the most recent a 2000-mile move occurring nearly eight years ago. My husband and I are preparing to move our family again, but this time we’ll utilize four steps to make the move smoother for us and our kids.

Find a Realtor Before You Move

If you plan to buy a house in your new locale, find a realtor before you move. When we moved cross-country, we found a realtor and worked with her long-distance. She was essential in helping us understand the lay of the land and what suburbs would be the best fit for our family.

Visit Before You Move

I highly recommend visiting the new area before you move. My husband and I did this about two months before we moved. He was able to meet and talk with his new co-workers. We also were able to meet with the realtor and see potential houses. Though we didn’t buy a house at that time, the realtor had a much better idea of what house layout we were looking for, and we were able to narrow down the specific neighborhood we wanted to live in.

Once we moved, we bought a house and were able to move in within a month.

Research, Research, Research Before You Go

When we moved previously, I put a lot of time and energy into finding a house but nothing else. However, as we prepare to move again eight years later, I am still researching homes, but I’m also researching more.

Now, I’m researching potential dentists, orthodontists, doctors, and extracurricular activities for my kids. When we move, we want to be able to get started immediately with our new life in a new location. Last time we moved, finding these services took a few months. This time, because I’ve done the research ahead of time, I’m hoping that we’ll be able to jump right into our new life. I would like to have the kids enrolled in their extracurriculars within the first few weeks of relocating.

Join Local Facebook Groups

Steps to Make a Move Smoother for You and Your Kids

Finally, before you move, join local Facebook groups in the new area to ask questions and get a feel for the community.

We homeschool, so I’ve joined several homeschool groups. I ask about homeschool co-ops and available activities, what suburbs people prefer to live in, etc. When we move, the kids will already have groups they can join.

I’ve also joined some mom groups specific to the area.

Another fun group to join is a bucket list or scenic group for the area. You’ll learn about the best places to visit, hike, and explore in your new state.

Final Thoughts

Moving to a new location can be exciting and nerve-wracking. Reduce your nervousness by taking these steps to make a move smoother for you and your kids. In no time, you’ll fit into your new location, and it will feel like home.

Read More

4 Tips for Saving When Moving Abroad

Things to Consider Before Moving

Can You Homeschool and Work from Home?

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Family Time, Home and Living, Money and Finances, Parenting Tagged With: buying a house, Moving, relocating

Donate Breastmilk to Make Money from Home

April 7, 2022 | Leave a Comment

Donate Breastmilk to Make Money from Home

Every year in the United States, nearly 10% of babies are born prematurely. These babies often struggle in the first few months of their lives, but thankfully, strides have been made in the way preemies are treated. Now, premature babies born as early as 25 weeks have an excellent chance of survival if they receive proper care. One company, Prolacta Bioscience, is helping premature babies get the nutrition they need with the help of breastfeeding mothers.

What Does Prolacta Bioscience Do?

Prolacta Bioscience recognizes that preemies often need protein and calorie supplementation in addition to their mother’s breastmilk. Prolacta “provide[s] hospitals with the world’s first and only nutritional fortifiers made exclusively from donor breastmilk instead of cow milk” (Tiny Treasures Milk Bank).

Studies have shown that babies who utilize Prolacta’s “fortifiers had fewer complications and went home sooner” (Tiny Treasures Milk Bank).

Donate Breastmilk to Make Money from Home

To make the fortifier for preemies and critically ill children, Prolacta Bioscience needs human breastmilk. They rely on donors to supply this milk.

If you have a baby, are currently breastfeeding, and have excess breastmilk, you may be able to become a milk donor. Because of the time and effort required to pump, Prolacta gives mothers $1 per one ounce of milk that they donate.

After you’ve pumped, you’ll need to follow strict protocols to keep the milk frozen so that it does not spoil while you store it or when you ship it out.

How to Donate Breastmilk

First, you must take a prescreening exam to see if you qualify. You’re likely to qualify if you’re healthy, don’t take medication regularly, your baby is healthy, you don’t smoke, and you have a freezer at home. However, you must make sure other variables don’t apply to you, or you may be disqualified.

Once you pass the prescreening, you must then have a medical review as well as undergo blood testing and give a DNA sample. You can read about the entire process here.

How Much Money Can You Make?

Donate Breastmilk to Make Money from Home

How much money can you make from donating your breastmilk? The answer depends on how large your milk supply is and how long you breastfeed your child. One woman said that she has donated 30,000 ounces and earned $30,000 from donating to Prolacta Bioscience.

Remember that any money you make from your milk donation is subject to state and federal income tax. Prolacta will not deduct any taxes. You will need to talk with your accountant to determine how much money you should set aside to pay any taxes on your income from donating milk.

Final Thoughts

If you are lucky enough to have excess breastmilk and you meet all of Prolacta Science’s qualifications, you may be able to donate your breastmilk to make money from home. Most importantly, you’ll play an important role in helping a premature infant survive and potentially leave the hospital earlier than other preemies who do not receive fortification.

Read More

How to Make It Through Your First Year of Breastfeeding

Breastfeeding at Work?

Breastfeeding Information at a Glance

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Money and Finances Tagged With: Breast Feeding, Breastfeeding, breastmilk donation, premature babies, pumping breast milk, side hustle, work from home, working moms who breastfeed

Can You Homeschool and Work from Home?

March 24, 2022 | Leave a Comment

Homeschool and Work from Home

While homeschooling had been steadily growing in popularity, that growth exploded during the pandemic. Two years into the pandemic, some of those families who started homeschooling in 2020 have sent their kids back to school. Yet, many of them found that they enjoyed homeschooling and continue to do so. However, can you homeschool and work from home?

How to Homeschool and Work from Home

With the rising prices of food, gas, and other necessary items, for many families, having one parent stay home to homeschool isn’t an option unless that parent can also work part-time from home. I’m happy to say that you can homeschool and work from home. I’ve been doing so for the last eight years.

Homeschooling and working from home require excellent time management skills and flexibility on your and your family’s part. I can’t say what will work best for every parent who homeschools and works from home, but these are the steps that make it possible for me to do so:

How to Find Time to Work from Home

The first step to successfully juggling homeschooling and working from home is determining when you can work.

Co-ordinate with Your Spouse

My husband’s cooperation is essential. He’s the primary breadwinner, but every weekend for the last eight years, he’s spent his time with the kids so I can complete my work uninterrupted. I work about 10 hours total on the weekend, so I still have time to spend with the family. However, I do the bulk of my work on Saturday and Sunday. If my husband wasn’t willing to spend weekend time with the kids, I wouldn’t be able to work and homeschool.

Get Up Early or Work Late

Another way I find pockets of time to work is to get up early. I typically wake up by 5 a.m., do an hour or so of my work, and then exercise for 45 minutes, all before the kids wake up. Keeping this routine allows me to get another five to seven hours of work done each week.

If you’re not an early riser, you can stay up late. One homeschooling, work-at-home mom I know starts her workday after the kids go to bed. She typically works from 10 p.m. to 2 a.m. every day.

Take Jobs with Flexible Deadlines

I find the best jobs for me to complete while working at home are ones that have flexible deadlines. I am a freelance writer, and I have assignments due on certain days of the week. However, I know the topics well in advance, and I can work on them anytime during the month as long as I get them done by the deadline. Having that flexibility is essential.

I know some work-at-home jobs require that you’re available during certain hours and have a quiet location to answer the phone. While that may work for some families, for my family, I wouldn’t be able to do that because my kids are rarely quiet!

Recognize Some Home Tasks Won’t Get Done

Homeschool and work from home

As a homeschooling, work-at-home parent, recognize that you can’t do it all. It’s just not possible. For instance, I think I do a fair job of homeschooling, working, and cooking meals at home for my family. The neatness of my home is a different story. Our house has a lived-in look and is not as tidy as I would like. Although it bothers me sometimes, I know that I can’t do it all. For this season of my life, my house will be messier. I can have a tidier home when the kids are grown, and I’m no longer homeschooling.

You’ll Have Less Time to Relax

If you both homeschool and work from home, your days will likely be tightly scheduled, especially if you have several kids. Understand that you might not have as much time to relax as you would like. I love to read, but I don’t get to as often as I want because of my homeschooling and work responsibilities.

How to Find Time to Homeschool

Once you figure out how to find time to work, you next need to find time to homeschool. Keep in mind, you don’t have to teach your kids from 8 a.m. to 3 p.m. Since your kids are the only students, you may find that you get more done in less time than a teacher at a brick-and-mortar school who has 30 students she has to manage.

Be Flexible with the Schedule

In addition, be flexible with the homeschool schedule. For instance, if you need to read aloud a book to your child as part of your lesson, you can do that at night when you read to the kids before bed. No one says you have to read it during the school day. Or you could get the book on audio and listen to it in the car while you drive to an appointment.

Have Teacher-Led Activities at Scheduled Times

If you thrive on a schedule, determine when you will work one-on-one with each child. For instance, I work with my middle child from 8 to 9:30 a.m. and my youngest child from 9:30 to 11 a.m. After that, I prep lunch, and the kids do independent work. If we have anything to finish up together, we do that in the early afternoon, and then we are done with school for the day.

Choose a Less Teacher-Intensive Curriculum

Homeschool and Work from Home

If you’re working more than 10 to 15 hours a week, you may want to choose a less teacher-intensive curriculum such as an online program. That will free you from some homeschool time and give you more time to work while your children complete their schoolwork for the day.

Final Thoughts

Trying to homeschool and work from home is not easy, but it is possible. If you need the money from a job or enjoy working, know that you can both homeschool and work from home if you are flexible and well-organized.

Read More

How to Work from Home When the Kids Are Home

Four Legitimate Work from Home Jobs for Moms

Get Some Extra Cash: 9 of the Best Ways to Make Money from Home

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Education, Money and Finances Tagged With: Homeschool, side income, work from home

Why I Decided to Teach My Teen to Drive

March 10, 2022 | Leave a Comment

Why I Decided to Teach My Teen to Drive

When I was a teen, my high school offered driver’s ed as a four-week class during the summer. We sat in an air-conditioned classroom during the morning and watched driver’s training videos. Then, in the afternoon, we went out to the parking lot to practice driving a car. Later, we made our way onto the roads. The instructor had a car equipped with pedals on his side to override any mistakes we made when braking or accelerating. However, now, thanks to budget cuts, many schools no longer offer driver’s training. Instead, parents must choose between teaching their kids to drive or paying for a driving school. For our family, there were several reasons why I decided to teach my teen to drive.

Why I Decided to Teach My Teen to Drive

Our family picked this option for a few reasons.

Driving School Is Expensive!

In our area, driving school is expensive! The cheapest package includes two hours of driver’s ed and two one-hour driving sessions for $189. Their mid-level package includes 10 one-hour driving sessions for $699. Their elite package includes 30 one-hour driving sessions for $1799.

Why I Decided to Teach My Teen to Drive

If I picked the cheapest session, I would still have to go out with my teen for many hours of driving, so why not just do it myself?

We ended up buying a home-based driver’s ed program. We watch that for a few lessons. Then we hit the road. So far, our teen has about 10 hours of driving under his belt.

I Can Keep My Cool

Another reason why I decided to teach my teen to drive is that I can keep my cool. If he does something erratic like accidentally pushing the gas instead of the brake (it’s happened!) I can quickly and calmly tell him to hit the other pedal.

If you don’t think you can keep your cool with your teen, I don’t recommend teaching them to drive. My mom went out driving with me just twice before I got my license. Once, I was learning to drive stick shift, and I stalled the car in an intersection when I tried to go from a stop. My mom panicked and started saying, “Go, go! We’re going to get hit!” Let me tell you, that did not help me get the car moving.

We Have a Vehicle to Use

We have two vehicles, one we bought 17 years ago when our teen was just an infant. Of course, I don’t want my son to have an accident, but if he does have a fender bender, this vehicle can take it. If I had a brand-new car, I might not decide to teach my teen to drive.

Final Thoughts

Should you teach your teen to drive? As you can see, that depends on many factors. For our family, I decided to teach my teen to drive because we could save money, I stay calm, and we have a vehicle he can use. However, other families may have to consider other factors and make the decision that is right for their families.

Read More

What Should Teen Drivers Contribute to the Expense of a Vehicle?

4 Tips to Save on Car Insurance for Teens

Your Teen and Their First Car

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Family Time, Growing Up, Money and Finances, Parenting, Parenting Blog at KidsAintCheap Tagged With: driving lessons, teen driver

What Should Teen Drivers Contribute to the Expense of a Vehicle?

February 17, 2022 | Leave a Comment

What Should Teen Drivers Contribute to the Expense of a Vehicle?

 

Do you remember the day you received your driver’s license? I remember going down to the Secretary of State’s office on my 16th birthday to get my license. It was the best birthday present ever. Now, my husband and I have a teen who is almost ready to be an independent driver. As a result, we are currently determining what should teen drivers contribute to the expense of a vehicle? If you ask this question to other parents, you’ll find answers just as varied as the parents themselves.

Avoid Burdening Them Too Much

Teenagers should learn that financial responsibility is the flip side of increasing independence. Most of us don’t want spoiled, entitled teens, and asking them to be at least partly responsible for some of a vehicle’s expense that they use is fair. However, I’m of the mindset that we shouldn’t burden teens in high school too much.

When I was 16, I inherited my dad’s fixer-upper El Camino. I was responsible for gas and insurance. That meant I had to have a job to have the vehicle, and I needed the car to have a job. When I had been driving for six months, my mom bought me a used Ford Escort in better shape than the El Camino. I made payments to her for the car and was also responsible for all of the maintenance and upkeep as well as gas, insurance, and registration. With this purchase, I was locked into having a job throughout the rest of high school to afford the car. That affected my grades.

I’ve decided to handle things differently with my kids.

What Should Teen Drivers Contribute to the Expense of a Vehicle?

Ultimately, what you choose is based on your beliefs and values. However, here are some popular options.

Pay All Expenses & Tie Car Usage to Behavior

One option, especially if you don’t want to give your vehicle to, or buy a vehicle for, your teen is to not have the teen pay anything. (This is also a good option if your teen doesn’t have time to work a part-time job.)

Using this approach, the vehicle is yours, and you’re simply allowing the teen to borrow it. However, you clearly state that the teen can lose the right to use the vehicle if he doesn’t maintain his good grades or if he has an attitude or does not keep up on his chores.

Pay for Gas

Some parents have their teens pay for gas only. If your child only works during the summer or does not have a job and does chores at home for money, paying for gas is a good option since she doesn’t earn a lot of money. If she’s financially savvy, she’ll soon learn to drive only when necessary and to combine errands so she doesn’t spend too much on gas.

Pay a Percentage of Their Income

Another option is to have your teen pay a percentage of their income to help pay for the car’s expense. If your child makes $100 a week at his job, maybe he pays 15% of his income, $15 in this case, per week, for the privilege of using the vehicle.

The Child Pays for Unusual Expenses

What Should Teen Drivers Contribute to the Expense of a Vehicle?

Regardless if you have the teen pay for gas or a percentage of their income or nothing at all, many parents have their children pay for unusual expenses.

For instance, if your child gets a speeding ticket, he is responsible for both the ticket and the amount that the insurance increases because of the ticket.

Or, if he has a car accident that is clearly his fault, he pays for the car repairs or at least a portion of the repairs. You may also require him to pay the deductible for the car repairs.

Why They Shouldn’t Be Responsible for Maintenance

Some parents want their children to be responsible for the car’s maintenance and upkeep, but I would argue against that. Car repairs nowadays can be expensive. Some teens will avoid routine maintenance like oil changes and regular tune-ups because they’re too costly. That’s unfortunate because routine maintenance lowers the cost of the car’s upkeep. Plus, many repairs are cheaper if they’re made as soon as the driver recognizes a problem.

That second car my mom bought for me? The Ford Escort? We bought it from a college student who we didn’t realize had not maintained it because he couldn’t afford to. Even though my mom bought the car with only 40,000 miles on it, it lasted me less than a year because the former owner never added oil to the vehicle or maintained it.

When your teen is driving, you want them to be safe, and you also want to maintain the quality of the vehicle. That’s why my husband and I plan to pay for the maintenance and repairs while our kids are in high school.

Save the Money for Them

If you can afford the vehicle and you’re having your child contribute only to learn financial responsibility, you have another option to consider. Some parents in this situation take the money that they require the teen to contribute for use of the car and save that money. They may put it in a Roth IRA for the child, which is only possible if your teen has a job. Or, they secretly put the money in an account that the child can use to buy a car when they move out or to use to fund the expenses they have when they move out.

Saving the money for the child (without telling her) is a good option because you’re teaching financial responsibility, but you’re also helping her in the future with her own money.

Final Thoughts

Having a car or access to a car as a teen is a privilege, not a right. Determining what should teen drivers contribute to the expense of a vehicle is a personal choice. We will most likely have our teen contribute the price of gas, and we’ll cover the rest until he’s older and has a part-time job.

Read More

Handling Allowance with My Daughter

7 Reasons You Shouldn’t Buy Your Kid a Car

4 Tips to Save on Car Insurance for Teens

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Growing Up, Money and Finances, Parenting Blog at KidsAintCheap Tagged With: cost of teenage insurance, getting a teen a car, teens and cars

5 States That Offer Empowerment Scholarships for Special Needs Children

February 3, 2022 | Leave a Comment

Empowerment Scholarships for Special Needs Children

When you have a special needs child, you face many expenses. Your child may need intensive speech, physical, occupational, and behavioral therapy. While some families find they can receive some of the services they need for their child at school, others find that public schools cannot handle, or provide, the intervention a special needs child requires. If you’re frustrated with the public school system’s response to, and services for, your child, you may want to investigate whether you’re in one of the 5 states that offer empowerment scholarships for special needs children.

General Assistance

Nearly half of the states offer some type of school choice for their residents. (Ed Choice explains the different programs each state offers.) Programs vary from a tax credit, to a stipend to help children attend private schools instead of public, to empowerment scholarships.

States That Offer Empowerment Scholarships for Special Needs Children

Currently, five states offer empowerment scholarships (ESA):

  • Arizona,
  • Florida,
  • North Carolina,
  • Mississippi,
  • Tennessee

Who Qualifies for an ESA?

Students who meet certain requirements such as having a documented disability or residing in a school district with an underperforming school can receive empowerment scholarships. Requirements vary per state.

In Arizona, where I live, a student must attend public school for at least 45 days and have a documented disability, have a parent who is in the military, or live in an underperforming school district to be eligible for an ESA. Once a special needs student begins to receive an ESA, her siblings, even those without disabilities, can also receive one if they’ve met the requirement of attending a public school for 45 days.

How Do ESA Programs Work?

In Arizona, a child who has an ESA receives 90% of the state money that would have been used to educate the child at a public school. (The other 10% goes to the child’s local public school even if the child is not attending.)

The size of a child’s ESA funding depends on his documented disability. Children with autism and Downs Syndrome receive the largest scholarships because they typically require more interventions than a child with ADHD, for example.

Every quarter, the child receives a financial distribution in his ESA account. That money can then be used for:

  • private school tuition,
  • homeschooling expenses,
  • therapies,
  • Educational testing,
  • Extracurricular activities, and
  • Other approved expenses

Our Experience with Arizona’s ESA Program

I have three children; each has two special needs. Two have autism, two have dyslexia, and two have ADHD. We became members of the ESA program in 2019.

Empowerment Scholarships for Special Needs Children

ESA has been a lifesaver for my children. They have benefited from private Barton Reading & Spelling tutoring to help them with their dyslexia. They have received educational testing, speech therapy, and private math tutoring. I’m also able to homeschool the younger two children and pick curriculum that suits them and their learning styles.

Before receiving ESA for my kids, they received speech therapy through the public school. They had 30 minutes of group therapy with three other kids once a week. After ESA, they received 30 to 60 minutes of private speech therapy weekly. That made an enormous difference in how quickly they progressed and ultimately finished speech therapy.

Final Thoughts

If you have a child with special needs, you know how expensive providing for their academic and therapeutic needs can be. If you live in one of the states that offer Empowerment Scholarships for special needs children, consider looking into the program for your child. I’ve even heard from several parents of special needs children who specifically moved to Arizona for the Empowerment Scholarship and the opportunities it afforded their children.

Read More

How to Afford Raising a Child with Special Needs,

Better Ways to Gift Money to Children,

Sensory Integration Strategies for Children with Autism

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Education, Medical, Money and Finances, Parenting Tagged With: education, empowerment scholarships, Homeschool, special needs

Why You Shouldn’t Pay for Braces in Full to Save

January 20, 2022 | Leave a Comment

Why You Shouldn't Pay in Full for Braces

From about the time my oldest was six, I knew that he would need braces.  His teeth were cramped and crooked.  We were on a tight budget, and I was concerned about the cost.  When our oldest was 11, our dentist suggested he get a consult with the orthodontist.  The orthodontist told us what we already knew—he would need braces, and it was going to be expensive.  When the orthodontist gave us the various payment options, I saw that there was a discount if you paid for the treatment upfront.  After much investigation, we learned there are several reasons why you shouldn’t pay for braces in full to save.

How Much Do You Save by Paying in Full?

In our case, we would have saved $150 off the total $5,000 cost of braces by paying in full.

Why You Shouldn’t Pay for Braces in Full to Save

We decided not to pay in full for several reasons.

Impacts Your Finances

Because we were on a tight budget, paying $5,000 out of pocket at once would hinder our finances.  We couldn’t justify upsetting our finances and struggling for a few months financially to save $150.

Payment Plan Is Available

Many orthodontists have payment plans available.  These payment plans often are offered at zero percent interest.  We paid our orthodontist a $500 down payment and then paid $125 monthly for 36 months.  The monthly payment was small enough that it didn’t affect our budget.

We also had a flexible spending account, and each month, we submitted the $125 payment for reimbursement.

Had we paid for the braces in full, we wouldn’t have been able to get all of the money reimbursed from our flexible spending account because those have a yearly limit (currently $2,850).

The Orthodontist May Close His Practice

When we researched whether we should pay for his braces in full, someone warned me that the orthodontist might close his practice while our son was getting treatment.  If that happened, all the money we paid upfront would be gone.

I listened to the advice but didn’t think this was a serious concern.  How many orthodontists suddenly close their practice?  My son completed his orthodontic treatment successfully.

Then our oldest daughter got her braces with the same orthodontist.  One year into the pandemic, he pulled me aside to tell me that his business had taken a hit and he was closing down his practice.  Thankfully, we hadn’t paid upfront with our daughter, either.  I can’t imagine being out all that money, but now I know that unforeseen circumstances can arise, and orthodontists can and do close their practices.

Final Thoughts

If you’re a bargain shopper, you may like the idea of saving some money by paying in full for braces.  However, we learned you shouldn’t pay in full for braces to save because you can’t fully utilize your flexible spending account.  More importantly, your orthodontist may go out of business as ours did during the pandemic.  Then you would have lost all of the money you paid upfront, which is no savings at all.

Read More

How Much Do Braces Cost and How Can You Save Money

Would You Make Your Kids Pay You Back for Their Braces?

Financial Benefits of Optimally Spacing Childbirth

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Growing Up Tagged With: braces, Saving Money

Financial Benefits of Optimally Spacing Childbirth

January 6, 2022 | Leave a Comment

Financial Benefits of Optimally Spacing Children

The average American family has children spaced 2.5 years apart. But is that ideal? What are the financial benefits of optimally spacing childbirth?

Financial Benefits of Optimally Spacing Childbirth

People argue about what is the optimal time between children. Here are some of their arguments for having kids close together and having them four or more years apart.

The Financial Benefits of Having Kids Close Together

Proponents on this side have some good arguments as to why having your children spaced close together is good.

Initial Costs for the Second Child Are Minimal

Because your kids are so close together, you have everything you need for the second child. You don’t need to buy more baby clothes or baby gear because you already have everything you need from the first child.

Parental Careers Are Less Interrupted

If one parent chooses to stay home to care for the children, she doesn’t have to stay home as long if the children are spaced closely together. If your children are only 18 months apart and you want to stay home until they’re both in preschool at age 3, you are only out of the workforce for 4.5 years. However, if you have kids four years apart, in the same scenario, you’re out of the workforce for seven years.

You Get Discounts with Multiple Children

Proponents of having kids close together acknowledge that you may face large expenses at once, such as daycare and college. However, these parents note that you’ll get a discount. When you have two children at the same daycare, you likely get a percentage off the second child. If you have two kids in college at the same time, you’ll receive more financial aid to offset the added expense.

The Financial Benefits of Spacing Kids Four Years Apart

Others argue to reap the financial benefits of optimally spaced childbirth, children should be four years apart. These are some of the benefits you reap with larger spacing.

Only Pay One Large Expense at Once

Financial Benefits of Optimally Spaced Childbirth

The best benefit of having kids four years apart is that you pay big expenses one at a time. Some of the largest childhood expenses are daycare, braces, and college. Because your kids are four years apart, by the time your first child finishes daycare, your second begins. The same is true with braces and college. While these expenses remain constant for eight years since you’re paying them back-to-back, you never face the expense of having two in braces at once or two in college at once.

While those who have kids only two years apart argue that there are discounts for daycare and college when you have two children enrolled, you’re still paying more than if you only had one child enrolled. If you space your children four or more years apart, you avoid a few intense years of high expenses that those with kids close together experience.

My Experience

I have three kids. The first two are 4.4 years apart, and the second and third are just 17 months apart. If I look from a strictly financial standpoint, the first two are optimally spaced. The oldest was able to attend preschool while I worked full-time and my husband went to graduate school full-time. However, after we had the last two 17 months apart, we could no longer afford for me to work. The cost of two kids under two in daycare in one of the largest cities in the United States cost almost as much as my salary. I would have been working to pay for my younger two kids to be in daycare.

Likewise, my oldest was out of braces when my middle child started them, so we only had to pay for one child at a time. (Thankfully, my youngest doesn’t need braces!)

Other Factors to Consider When Spacing Children

However, our choices in life are rarely entirely about finances. When determining how to space your children, you also need to consider other factors besides money.

Non-Financial Benefits of Having Kids Two or Fewer Years Apart

Despite the added expense, there are good reasons to have kids two or fewer years apart.

Children Tend to Be Closer

While this isn’t always true, children who are closer in age tend to have a closer relationship. If you want your siblings to rely on one another and be friends, you have a better chance of that happening if your children are closer in age.

They Have Similar Interests

If your children are close in age, they are developmentally at the same stage. If you want to take them to see a movie, your pick is easy because they’re at the same developmental age. This isn’t true if their sibling is four or five years older. In that case, picking an activity that is age-appropriate for the younger child often means the older child is bored because he’s no longer at that developmental stage.

Non-Financial Benefits of Having Kids Four or More Years Apart

Financial Benefits of Optimally Spaced Childbirth

In my experience, having children closer together is better from a non-financial standpoint. My younger two have a close relationship.  However, my oldest and middle child, who are 4.4 years apart, only recently started developing a closer relationship as the middle one reached her teen years and started to share interests with her brother. My youngest still does not have a close relationship with the oldest.

However, there are some non-financial benefits to spacing kids further apart.

You Have More Time to Recover

When kids are spaced four or more years apart, you have more time to recover from pregnancy and the sleepless newborn days. Honestly, when I had two kids 17 months apart, the first two years are a blur because I was so exhausted. That didn’t happen when my second joined the family.

Easier to Give Each Child Attention

With this age gap, giving each child individual attention is easier. You can read and play with the older child while the younger one naps. You can play with the younger child while the older one plays independently.

Final Thoughts

If you space your kids four years apart, there are financial benefits of optimally spacing childbirth. However, your decision when to add to your family is rarely only a financial one. You should consider all factors to make the best decision for your family.

Read More

6 Frugal Activities for Kids During Winter Break

9 Important Values to Teach Children

Favorite Family Christmas Traditions, Modernized!

Melissa Batai
Melissa Batai

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Filed Under: Education, Family Time, Money and Finances, Parenting Blog at KidsAintCheap Tagged With: braces, childbirth, college, family finances, spacing children

Next Page »
  • Facebook
  • Pinterest
  • RSS
  • Twitter

About The Author

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty of the area.

Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
Best Parenting Blogs

Copyright © 2022 Runway Pro Theme by Viva la Violette