swasat
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Post by swasat on Dec 16, 2014 12:14:31 GMT -5
One of DS' buddies is coming to our house over Christmas break for a few days because one day of childcare is $40. She's 6! That is another thing... Don't all groups have "that" house were all the kids go to on snow days / summer break / after school because there is a stay at home parent there?
Or because a parent was there already (stay home from work or come home early from work or when schools gets out?)? When I was growing up there was always "that" house. It was either a stay at home parent or someone that only worked during school hours. I don't even like my OWN kids some days (I still love them but like....not all the time... ), you can't bend me or entice me enough to watch other people's kids for 1-2 weeks!! ![](http://images.proboards.com/new/tongue.png) I am not sure the other moms would appreciate it if I left my kids with them ALL the time when school is closed.
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Deleted
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Post by Deleted on Dec 16, 2014 12:16:06 GMT -5
Don't all groups have "that" house were all the kids go to on snow days / summer break / after school because there is a stay at home parent there? ![](http://syonidv.hodginsmedia.com/vsmileys/rofl.gif) When you find someone who is willing to watch my kid 8 hours a day for three months for free please send me that person's number. I have two aunts that did it and still soon it now... Their house was "that" house with 5-15 kids there at all times. They liked it because they always knew were their kids were (home) and even encouraged it by : - always having snacks - always feeding the kids - always offering to watch the kids I dunno, I guess I assumed it was normal. I can see the "hangout house" for older kids, but not grade school. Who the heck would ever volunteer to do that??
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:17:59 GMT -5
We are cash flowing around 2K + expenses for college every month and still maxing retirement and paying our bills. It makes me sick to think where this money was going before we started last year, since it was not like we were saving the amount that we are paying for college. I hear that from new parents a lot too. It's like the money for daycare "magically" appears because they surely did not have it seating around before yet now they can afford daycare on top of all their bills... And it is not like their income increased!
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cael
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Post by cael on Dec 16, 2014 12:18:38 GMT -5
Thinking about the cost of daycare makes me want to vom... luckily when we have kids, my mother has basically told us (not offered - told) she's watching our kid(s) instead of "making" us send it/them to daycare. I'm ok with that, but we'll probably find a daycare for one or two days a week, to give my mother a break and because I don't have anything against daycare, and the socialization/immune-building can't hurt lol. I know a woman whose kids I used to babysit for waaaay back in the day who runs a home daycare, and I'd be totally comfortable with my kid being with her. We'd probably pay my mom if she lets us, but she may refuse and we'll just have to "pay" in help or cooking or something like that (we may still be living there for a short time after we have kid #1 depending on how plans and savings go anyway)
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:19:29 GMT -5
Ok! So back to the average of ~16k/year per child. And college costs in 18-20 years? I ether stick my head in the sand for now and think happy thoughts Just for the record UMass instate tuition and fees is over $13,000 a year and that assumes the kid drives there and gas and food are free. ![](http://images.proboards.com/new/wink.png) And lets not forget everyone's favorite expense, Books. They should only cost a few dollars for the download in 18 years right? ![](http://images.proboards.com/new/tongue.png) So about the same as daycare LOL ![:P](//storage.proboards.com/forum/images/smiley/tongue.png) If a parent in MA can afford daycare now... They can afford UMASS
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HoneyBBQ
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Post by HoneyBBQ on Dec 16, 2014 12:19:29 GMT -5
I dunno, I guess I assumed it was normal.
No it's not, that's an exception to the rule. The majority of people need to pay someone to watch their kids during breaks. You could also get busted for running an unlicensed daycare if you got 15 neighborhood kids you're watching consistently in your house.
I don't have anyone to watch my kid for 2 hours, let alone all day every day while I work.
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movingforward
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Post by movingforward on Dec 16, 2014 12:20:58 GMT -5
My house was sort of the hangout house when I was a teenager. Still, there were probably no more than 3-4 kids there at a time (my parents wouldn't allow anymore). This was by no means everyday either. My parents also weren't shy about telling teenagers it was time for them to go home.
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cael
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Post by cael on Dec 16, 2014 12:21:21 GMT -5
Ok! So back to the average of ~16k/year per child. And college costs in 18-20 years? I ether stick my head in the sand for now and think happy thoughts Just for the record UMass instate tuition and fees is over $13,000 a year and that assumes the kid drives there and gas and food are free. ![](http://images.proboards.com/new/wink.png) And lets not forget everyone's favorite expense, Books. They should only cost a few dollars for the download in 18 years right? ![](http://images.proboards.com/new/tongue.png) I'm not sure how much UMass cost when I went there as an undergrad (I lived there too), but I went to a more local state college for 2 years and commuted before going out to the Zoo. I think it cost maybe $5k/semester back then. A younger coworker said it cost about $7k/semester when she went there. And my coworker who is 15 years older than me said the same state college cost about $600/semester when he went there in the 80s/90s ![](http://images.proboards.com/new/cry.gif)
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HoneyBBQ
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Post by HoneyBBQ on Dec 16, 2014 12:21:37 GMT -5
Let's see... my single child day care cost WAS $1900/month for an infant. Now that she's 3 it's dropped down to $1600/month.
I do mentally plan on moving that money over to a 529 or other savings plan when she's done with daycare/preschool. Right now, we're are doing both.
That's why I always laugh when people say that school age children don't save you any money over babies because there's still clubs and fees and stuff. I can buy a LOT of extra curricular activity for ~2k/month. Maybe in some areas that statement is true. Not in mine!
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Angel!
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Post by Angel! on Dec 16, 2014 12:21:41 GMT -5
![](http://syonidv.hodginsmedia.com/vsmileys/rofl.gif)
LOL, only if you work part time & have all day preschool. DS2 misses the kindergarten cutoff by a month, so he will be almost 6 before he starts school full-time - and that only works because my district has free all-day kindergarten, many don't. And even then I will be paying $83/week just for after school care (add in before school & it goes up more). Which is nothing compared to the $261 I pay a week now, but still not free.
Ok so you will still need before care and aftercare. Isn't that way cheaper than daycare? Define way cheaper. It costs about 30% of daycare on days there is school. 3 months a year there is no school, so I am still paying full daycare prices. There are another 26!!! days when school is closed & I don't have off where I pay daycare prices. So the overall cost over the year is about 50% what you would pay for full-time care.
So in your area, it would be 8K/year instead of 16K per year. Does that qualify as way cheaper to you?
When all 3 of my kids are in school full-time, daycare will cost me around $17k/year. A lot less than I am paying now, but still a hell of a lot of money.
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973beachbum
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Post by 973beachbum on Dec 16, 2014 12:21:48 GMT -5
Just for the record UMass instate tuition and fees is over $13,000 a year and that assumes the kid drives there and gas and food are free. ![](http://images.proboards.com/new/wink.png) And lets not forget everyone's favorite expense, Books. They should only cost a few dollars for the download in 18 years right? ![](http://images.proboards.com/new/tongue.png) So about the same as daycare LOL ![](//images.proboards.com/v5/smiley/tongue.png) If a parent in MA can afford daycare now... They can afford UMASS But the daycare number you quoted is for right now whereas the UMASS number is still yet to be determined because the number above is also right now. Whose kids are going to daycare and college at the same time? ![](http://images.proboards.com/new/grin.png) So what will UMASS cost in 20 years? Anyone?
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Deleted
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Post by Deleted on Dec 16, 2014 12:21:47 GMT -5
We are cash flowing around 2K + expenses for college every month and still maxing retirement and paying our bills. It makes me sick to think where this money was going before we started last year, since it was not like we were saving the amount that we are paying for college. I hear that from new parents a lot too. It's like the money for daycare "magically" appears because they surely did not have it seating around before yet now they can afford daycare on top of all their bills... And it is not like their income increased! Well, in my case (less than 6K/year daycare) About half of DS's daycare bill is covered by tax savings/credits...so yes, income kind of did increase.
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cael
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Post by cael on Dec 16, 2014 12:22:06 GMT -5
Just for the record UMass instate tuition and fees is over $13,000 a year and that assumes the kid drives there and gas and food are free. ![](http://images.proboards.com/new/wink.png) And lets not forget everyone's favorite expense, Books. They should only cost a few dollars for the download in 18 years right? ![](http://images.proboards.com/new/tongue.png) So about the same as daycare LOL ![](//images.proboards.com/v5/smiley/tongue.png) If a parent in MA can afford daycare now... They can afford UMASS But imagine what the cost of UMass will be when your toddler in daycare is 18? ![](http://images.proboards.com/new/shocked.gif) probably a crapload more...
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HoneyBBQ
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Post by HoneyBBQ on Dec 16, 2014 12:22:33 GMT -5
Oh, and I'm guessing my kid's undergraduate education will cost $200-250k in 15 years.
So that's $1300/month if I started today. Not quite what I pay now.
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muttleynfelix
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Post by muttleynfelix on Dec 16, 2014 12:23:27 GMT -5
I could totally see our house being a hangout house because DH is home and lets face it, Dad's are way cooler than moms.
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Deleted
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Post by Deleted on Dec 16, 2014 12:24:01 GMT -5
Just for the record UMass instate tuition and fees is over $13,000 a year and that assumes the kid drives there and gas and food are free. ![](http://images.proboards.com/new/wink.png) And lets not forget everyone's favorite expense, Books. They should only cost a few dollars for the download in 18 years right? ![](http://images.proboards.com/new/tongue.png) So about the same as daycare LOL ![](//images.proboards.com/v5/smiley/tongue.png) If a parent in MA can afford daycare now... They can afford UMASS That's just tuition. Remind me how much in student loans you and your DW started out with? ![](http://images.proboards.com/new/tongue.png)
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973beachbum
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Post by 973beachbum on Dec 16, 2014 12:26:05 GMT -5
Just for the record UMass instate tuition and fees is over $13,000 a year and that assumes the kid drives there and gas and food are free. ![](http://images.proboards.com/new/wink.png) And lets not forget everyone's favorite expense, Books. They should only cost a few dollars for the download in 18 years right? ![](http://images.proboards.com/new/tongue.png) I'm not sure how much UMass cost when I went there as an undergrad (I lived there too), but I went to a more local state college for 2 years and commuted before going out to the Zoo. I think it cost maybe $5k/semester back then. A younger coworker said it cost about $7k/semester when she went there. And my coworker who is 15 years older than me said the same state college cost about $600/semester when he went there in the 80s/90s ![](http://images.proboards.com/new/cry.gif) I just went on their website and tried to add up the tuition and fees. I could have missed a few. ![](http://images.proboards.com/new/grin.png) I will say there were a LOT of fees and a little tuition number. Could they possibly be trying to make people think it is cheaper than it really is?
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:28:34 GMT -5
Let's see... my single child day care cost WAS $1900/month for an infant. Now that she's 3 it's dropped down to $1600/month. I do mentally plan on moving that money over to a 529 or other savings plan when she's done with daycare/preschool. Right now, we're are doing both. That's why I always laugh when people say that school age children don't save you any money over babies because there's still clubs and fees and stuff. I can buy a LOT of extra curricular activity for ~2k/month. Maybe in some areas that statement is true. Not in mine! Good point!!! As your kid transition to toddler, before/after care you can save the different and put it in a 529. I don't know many after school activities/sports that would costs 2k/month either.... Not any I would let my kids join anyway.
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:29:37 GMT -5
Ok so you will still need before care and aftercare. Isn't that way cheaper than daycare? Define way cheaper. It costs about 30% of daycare on days there is school. 3 months a year there is no school, so I am still paying full daycare prices. There are another 26!!! days when school is closed & I don't have off where I pay daycare prices. So the overall cost over the year is about 50% what you would pay for full-time care.
So in your area, it would be 8K/year instead of 16K per year. Does that qualify as way cheaper to you?
When all 3 of my kids are in school full-time, daycare will cost me around $17k/year. A lot less than I am paying now, but still a hell of a lot of money.
8k is 50% of 16k... So yes that is WAY cheaper in my book.
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:31:07 GMT -5
So about the same as daycare LOL ![](//images.proboards.com/v5/smiley/tongue.png) If a parent in MA can afford daycare now... They can afford UMASS That's just tuition. Remind me how much in student loans you and your DW started out with? ![](http://images.proboards.com/new/tongue.png) I started with 40k and my wife went to a private school for undergrad which was her mistake. Second: my wife works for UMASS
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cael
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Post by cael on Dec 16, 2014 12:34:45 GMT -5
It's such a racket. Even if I did get a state job and became eligible for free tuition at UMass, I'd still be paying probably 2/3 of the total cost, so it would save me money, but not as much as you'd like to think.
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973beachbum
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Post by 973beachbum on Dec 16, 2014 12:37:41 GMT -5
IIRC tuition was around 30% of the cost of attendance at my public university. The rest were mandatory fees, housing and books. All i used were tuition and fees. I left housing and books ect alone. The tuition per year is $1714 but the fees are $11,542. Carl not for nothing, but have you ever checked the UMASS employees rules for reduced tuition? I ask because DH works PT at a local college and their 50% off tuition to employees sounded fantastic until we realized it was only for tuition and did not include any fees. ![](http://images.proboards.com/new/wink.png)
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swamp
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Post by swamp on Dec 16, 2014 12:37:58 GMT -5
![](http://syonidv.hodginsmedia.com/vsmileys/rofl.gif)
LOL, only if you work part time & have all day preschool. DS2 misses the kindergarten cutoff by a month, so he will be almost 6 before he starts school full-time - and that only works because my district has free all-day kindergarten, many don't. And even then I will be paying $83/week just for after school care (add in before school & it goes up more). Which is nothing compared to the $261 I pay a week now, but still not free.
Ok so you will still need before care and aftercare. Isn't that way cheaper than daycare? afterschool program, $30 a week for 2 kids! GO LCOLA!!!
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973beachbum
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Post by 973beachbum on Dec 16, 2014 12:38:42 GMT -5
Cael we were posting at the same time. I was right? They give free tuition to employees but it doesn't count fees?
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giramomma
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Post by giramomma on Dec 16, 2014 12:38:59 GMT -5
Don't all groups have "that" house were all the kids go to on snow days / summer break / after school because there is a stay at home parent there? ![](http://syonidv.hodginsmedia.com/vsmileys/rofl.gif) When you find someone who is willing to watch my kid 8 hours a day for three months for free please send me that person's number. I have two aunts that did it and still soon it now... Their house was "that" house with 5-15 kids there at all times. They liked it because they always knew were their kids were (home) and even encouraged it by : - always having snacks - always feeding the kids - always offering to watch the kids I dunno, I guess I assumed it was normal. Our first summer at our house, we were the place to be during summer break. We generally had 3-5 other kids coming in and out of our yard during the day. We let our kids roam between all the houses in the neighborhood. Now that the kids are older, there is much less of that roaming. I don't know that I'd call roaming daycare, though.
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murphath
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Post by murphath on Dec 16, 2014 12:40:15 GMT -5
The Haitian: So, let me get your comment straight: your MIL cleans and cooks for you right now and she will be the care provider for any children you have while you and your wife work. This could be for many, many years: but the minute you feel you cannot take care of her, you're going to put her in a nursing home. Nice guy: is she aware of this plan? If my mom had been alive to do all of that for me, you bet your bottom dollar (and mine) that I would never have put her in a nursing home. Have you been to one of those places? We took care of our MIL when she was bedridden, could no longer talk, etc.. Was it easy? Hell, no. Was it the best financial decision for us? Most certainly not. But there was no way we would park her in a nursing home after all the wonderful things she had done for us.
Sorry to get on my soapbox but your comment hit a nerve.
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:40:23 GMT -5
It's such a racket. Even if I did get a state job and became eligible for free tuition at UMass, I'd still be paying probably 2/3 of the total cost, so it would save me money, but not as much as you'd like to think. Are you 100% certain? Because all my wife had to pay for her classes so far (1 each semester) has been the costs of the books and parking. As her husband my first attempt at the MBA costs me $1,300 for my first (and only) semester there in fees + the costs of books. Hope to go back once I move back.
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:41:48 GMT -5
Ok so you will still need before care and aftercare. Isn't that way cheaper than daycare? afterschool program, $30 a week for 2 kids! GO LCOLA!!! Show off
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swamp
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Post by swamp on Dec 16, 2014 12:43:58 GMT -5
Hey, I could even send them to the Boys and Girls Club, and that's free, and within walking distance of their school!!!
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TheHaitian
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Post by TheHaitian on Dec 16, 2014 12:49:40 GMT -5
The Haitian: So, let me get your comment straight: your MIL cleans and cooks for you right now and she will be the care provider for any children you have while you and your wife work. This could be for many, many years: but the minute you feel you cannot take care of her, you're going to put her in a nursing home. Nice guy: is she aware of this plan? If my mom had been alive to do all of that for me, you bet your bottom dollar (and mine) that I would never have put her in a nursing home. Have you been to one of those places? We took care of our MIL when she was bedridden, could no longer talk, etc.. Was it easy? Hell, no. Was it the best financial decision for us? Most certainly not. But there was no way we would park her in a nursing home after all the wonderful things she had done for us.
Sorry to get on my soapbox but your comment hit a nerve. Nice soapbox... I will just say this and leave it at that: I am happy you were capable of taking care of your MIL; congrats! My wife and I are both currently witnessing someone trying to take care of their MIL and failing at it because they are not adept/capable to do it and we both agree that nursing home in their case will be 100% a better choice. Second if you took the time to read my comment instead of jumping up and down and be self righteous you will see that I specifically said: if she needs more care than we are capable of providing her with ourself. To each their own. ETA: my mom has been working in the same nursing home going on 17 years now. She and her team work their ass off trying to provide her residents with the best care possible. Not every nursing home is a ... Just thought I would mention that, but off course you have been to all of them ![;)](//storage.proboards.com/forum/images/smiley/wink.png)
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