Reply to Earning Well but Drowning in Debt...how to dig out?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I am just stuck on the fact that 2 children in daycare barely getting home by 6pm are in activities after that.

Even if they were not in 50k of debt I don't get this.

And a family that eats out (restaurant, take out, order in, whatever) 3-4 times per week is bleeding a serious amount of cash.

It's fascinating to me how obvious this is to everyone but the OP.

[/quote]

Op here. Yes, one child has music lesson after school pickup. The other activities are on weekends. And we don't eat out 3-4x week. We eat out or get carry out or pizza 1-2x week. Twice if DH is traveling and I am doing all the pickups. But that is something that can go. The music lessons cannot go bc of DCs commitment and dedication to it. This isn't a kid who grudgingly goes to piano lessons, but a kid whose music teacher at school flagged him as gifted, which has proven true thus far. Also the issue with camps.... Music camps aren't cheap.[/quote]

I'm calling a troll.  There's no way this is for real.  [/quote]

Are you crazy? I know tons of people just like OP. In fact, she sounds like plenty of my neighbors!

The music thing - just because a teacher told you that he was gifted doesn't mean you have to pay for lessons you can not afford. And his commitment? Come on, it's your commitment and also I am willing to be a bit of your own pride in being able to brag and talk his "gift" up.  If he loves the instrument, he will continue to play on his own at home.  It's not like he is going to be doomed if he stops taking lessons for a year.

Eating out 1-2x a week is expensive.  Just grabbing pizza can easily cost $30 vs. grocery store pizza you heat up at home for less than $10.

As far as getting a nanny - it won't be cheaper.  It will cost just as much as summer camp and likely more.

There are camp options in the $300 a week range.  [/quote]

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