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3 Mistakes We Made in the College Process

July 14, 2022 | Leave a Comment

Mistakes We Made in the College Process

First children are always the guinea pigs of the family. Parents experiment with them and learn how parenthood works. They understand that once you have children, life doesn’t always go as planned. Our oldest, who recently turned 18, is also our guinea pig when it comes to college. We’ve learned that there are significant mistakes we made in the college process with him. Luckily, we’re learning from these experiences, so hopefully, we’ll be smarter with the college process with our younger two children.

Not Having a Backup Plan

My husband and I have always worked in education. I worked at a community college until I quit after our third child was born, and my husband has worked at two different universities.

We didn’t have money to save for college when our kids were young, but we weren’t concerned because we knew that our children could receive a tuition discount if they went to college where my husband worked. Between that discount and the scholarship our son received, he could have lived at home and gone to college for free.

However, life doesn’t always work out as we plan.

Moving After His Senior Year

My husband had been looking for a job for the past 18 months. He had interviewed and made it to the final rounds for four different jobs. However, none worked out. He applied for one more this past February, and we decided if he didn’t get that one, we’d quit looking until after our oldest finished college.

Luckily, for my husband’s career, he got the job. However, the job required a move across the country. While the job pays much more than his current position, it’s not at a university, so we no longer have a college tuition discount.

In addition, our son hadn’t applied to any of the nearby colleges in the new location because we didn’t know we’d be here. He missed out on the prime time for college admissions and scholarships. Now, he’s stuck applying only 6 to 8 weeks before college begins.

Not Specifying How Much We Would Contribute

Mistakes We Made in the College Process

Some parents tell their children what amount they have to contribute to their college education. Then, the children can use that amount as a basis to help them determine which colleges they will attend based on affordability. We never had that discussion because we didn’t think we had to; our child knew he could get a substantial tuition discount.

Now, we don’t know how much we can afford to pay because we’re moving to a new geographic area of the country and still aren’t sure how much typical monthly expenses will be. That makes determining affordability difficult.

Final Thoughts

The three mistakes we made during the college process have made the experience more difficult for our son than it needed to be. We had a unique set of circumstances that, hopefully, won’t happen to our younger children.

However, we’ve learned from our mistakes and will now be saving for their college tuition and setting a limit for them that we can pay.

Read More

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Storyworth: The Most Thoughtful Gift That Can Be Cherished for Years

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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, Growing Up, Money and Finances Tagged With: college, college education, relocation

4 Road Trip Tips When Traveling with Tweens

June 23, 2022 | Leave a Comment

Road Trip Tips When Traveling with Tweens

Eight years ago, we moved from Chicago, Illinois to Tucson, Arizona. We still had family in Michigan, so we have made the road trip across 1,900 miles one way to visit family six times now. When we made the first trip, our kids were 10, 5, and 4. Our most recent trip was just a few weeks ago, and the kids are 18, 13, and 12. Traveling with them now is much easier, but regardless, the trip is a long one. We’ve learned many road trip tips when traveling with tweens. If you’re traveling with kids in the eight to 12-year-old age range, these tips may help your family survive a long road trip.

Road Trip Tips When Traveling with Tweens

Tweens are easier to travel with than younger kids, but they still can get bored quickly. Try these tips to make the trip go faster.

Make Maps for Them

I mapped out our route on Google Maps, magnified it, and printed it out. Then, I made binders for each kid with the seven pages showing the route. I put the pages in plastic page protectors and gave the kids dry erase markers. They marked on the pages as we passed areas, so they could see how much progress we had made and how much more we had to go. I also marked where we were stopping each night to make the three-day trip seem less daunting.

Have Them Pick a Fun Activity

Road Trip Tips When Traveling with Tweens

Before we left, each child researched the route and found one fun thing they wanted to do. Our favorite activity that a child picked was Cadillac Ranch in Texas. We brought along some spray paint and joined others in spray painting the upside-down cars planted in the ground. When we have driven by later, other times we are making the trip, the kids still talk about the fun they had and how weird the attraction is.

Pack Food. . .and More Food

Tweens are hungry most of the time, especially on a road trip. We pack sandwiches and chips for lunch, but we also pack A LOT of snacks. Popular snacks include beef jerky, pretzels, granola bars, squeezable apple sauce, squeezable pudding, and fruit. Make sure the kids can easily access the snacks.

Limit Stops

Our drive is so long that it takes us 10 to 12 hours of driving each day to get to Michigan in three days. Add in a fun stop, and there’s not much time for anything else.

When we stop for gas, we also use the restrooms and get out our sandwiches, if it’s lunchtime. When we combine all of our stops in one, we only stop for 10 or 15 minutes before we’re on the road again for another three to four hours. We have found Love’s Travel Centers have the cleanest restrooms.

Final Thoughts

Traveling with tweens is less stressful than traveling with younger kids, but they can still get bored and antsy on long road trips. Use these road trip tips when traveling with tweens for a smoother, more entertaining drive.

Read More

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Traveling with Toddlers: How to Bring the Kids Without Going Crazy

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 Tagged With: planning a road trip, Road Trip, Travel, Travel With Children, Traveling with Children

StoryWorth: The Most Thoughtful Gift That Can Be Cherished for Years

June 9, 2022 | Leave a Comment

Most Thoughtful Gift

My grandma died almost 20 years ago at the age of 90. I was close to her and thought I had asked her everything I needed to about her life. But as I get older, I realize there are still more things I would like to ask her and more I would have liked to have known about her, especially her younger years before I was born. I wish StoryWorth, the most thoughtful gift, would have been around when she was in her 70s and 80s.

What Is StoryWorth?

StoryWorth is a website that helps you learn about your relatives’ lives. For a $49 fee, you can get one question a week sent to your relative. Your relative answers the question, and StoryWorth compiles all of the answers. Your relative can also add pictures to the stories. After one year, the stories are bound into a hardcover book.

What Questions Are Asked?

StoryWorth has hundreds of questions. When you first pay for the subscription, StoryWorth populates 52 questions automatically. However, you can change out questions by looking through the available questions. This allows you to target specific information you’d like to know. Some potential questions include, “Describe one of your most memorable birthdays,” and “How did you meet your spouse? When did you decide you wanted to marry them?”

The Most Thoughtful Gift’s Stay Power

StoryWorth is an excellent gift for you and your children to learn more about older relatives’ lives. However, this gift is a gift that keeps on giving.

As I get older, I’m spending more time researching my ancestry. I have a great, great, great grandfather, Alonzo, who fought in the Civil War. He kept a journal during that time, but the journal was factual information about the battles he was in and the marches the soldiers took. There was nothing personal. I discovered that Alonzo’s mother typed up a two-page document about her life, which included personal information about Alonzo. That is a cherished document because those relatives now are more than a branch on my family tree. I have a glimpse into how they lived.

Imagine how cherished a StoryWorth book full of memories will be to future generations when they want to know more about the people in their family tree!

Our Experience with StoryWorth

The Most Thoughtful Gift

I bought my mom a subscription to StoryWorth for Mother’s Day. She has answered every prompt with several paragraphs of writing. Although I know the stories behind most of her answers, my kids didn’t. They love learning more about their grandmother’s life, especially when she was younger.

Final Thoughts

StoryWorth is the most thoughtful gift for the recipient, the gift giver, and future generations. The recipient gets to share the stories of her life and relive her memories. The gift-giver learns more about the recipient’s life and create a cherished keepsake. Future generations of family genealogists get a priceless document that will let them deeply learn about the life of one person in their family tree.

Read More

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The Best (and Worst!) Baby Shower Gifts

10 Inexpensive–but Priceless–Gifts for Mom for Mother’s Day

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 Tagged With: genealogy, Gifts, grandparents, Mother's Day Gifts

Baby Formula Shortage: How to Survive and Thrive

May 25, 2022 | Leave a Comment

Baby Formula

The baby formula shortage has been making headlines lately. Stores are running out of stock and parents are struggling to find the right brand for their children. While this may seem like a major crisis, there are ways to survive and thrive during these tough times.

In this blog post, we will discuss some tips for finding baby formula during the shortage and ensuring that your child gets the nutrients they need.

Other Options For Feeding Your Child

First and foremost, it is important to remember that baby formula is not the only option for feeding your child. Breast milk is the best source of nutrition for infants, and there are many ways to obtain breast milk even if you are not able to breastfeed yourself.

Milk banks provide pasteurized donor milk. There are also organizations where you can connect with mothers who are willing to share their excess milk. If you are unable to find breast milk, infant formula is still a viable option.

However, it is important to note that not all formulas are created equal. Some formulas may be more difficult to find than others, but they may also be more expensive. It is important to do your research and decide what type of formula is best for your child.

Make Your Own Formula

Another option for parents who are struggling to find baby formula is to make their own. While this may seem like a daunting task, there are many recipes available online that can help you create a nutrient-rich formula for your child.

Of course, it is important to consult with your child’s pediatrician before you make any decisions about changing their diet. However, making your own baby formula can be a great way to ensure that your child gets the nutrition they need during this difficult time.

Final Thoughts

The baby formula shortage is a major problem that is affecting many families. However, there are ways to survive and thrive during this time. Remember that baby formula is not the only option for feeding your child, and consider making your own baby formula if you are struggling to find the right brand for your child.

Most importantly, consult with your child’s pediatrician before making any changes to their diet. With some careful planning and research, you can ensure that your child gets the nutrition they need during this difficult time.

While it’s important to do your research about what type of baby formula is best for your child, don’t forget that breast milk is still the number one source of nutrition.

Read More:

7 Free Activities to Do with Toddlers This Summer

Why Has Fast Food Become So Expensive?

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

Tamila McDonald
Tamila McDonald

Tamila McDonald is a U.S. Army veteran with 20 years of service, including five years as a military financial advisor. After retiring from the Army, she spent eight years as an AFCPE-certified personal financial advisor for wounded warriors and their families. Now she writes about personal finance and benefits programs for numerous financial websites.

Filed Under: Baby Stuff Tagged With: Baby Formula, Breast Milk, Milk

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

P.s. I found some great DIY playroom ideas on savedbythecents.com, recommend you check them out => here.

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

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

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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

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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

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