Reply to What is your splurge-worthy item/service that you never regret spending?

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[quote=Anonymous][quote=Anonymous]Private schools for both kids
$10-12k worth vacations every year 
Weekly in home massages
Perrier 
Kombucha - we spend $250 every month and can’t stop. Tried making at home twice and didn’t work.
Dirty dozen produce bought organic
Lawn work
Lawn treatments
Routine house maintenance
My high end suv
DH’s Tesla
Bi weekly cleaning service
Monthly meal at true food kitchen - lol for the quantity this really hurts at $100 for 4 people no booze. And we eat out twice a week.

Home schooling for many years so no income over 10 yrs. Will have only worked 15 yrs when I retire since so many years spent on expensive education. [b]We don’t make much but both kids will go to in state public and will do a combo of aid and loans[/b]. We lived frugally till house was paid off.[/quote]

I think you should be focusing on the college issue - even more so than spending on private school now.  You say you are counting on public - just be aware that getting into instate or OOS state public universities has become extremely competitive.  Yes, your children can go to community college and then try for a transfer, but please looks at the stats now for what it takes to get into instate MD, CA and VA public schools.  You might be surprised.  you also say you don't make much but FAFSA and the state universities might think otherwise so federal loan availability might be more limited than you think.  We received no merit aid for our 3 kids other than the minimum FAFSA loan of $5500.  You say you will do a "combo of aid and loans" but you should start calculating now what you realistically might be offered  Check out the school's financial aid calculators and look at the FAFSA facts.  Financial aid goes to the most needy.  We received none.  Your access to federal student loans may also be limited which means you will be trying to obtain bank loans at higher rates of interest and putting up collateral.  Finally, merit money is offered only where it makes sense.  The state universities have few merit programs and many are directed at URM, low-income, international and first-generation students.  The only two merit scholarships my DC were offered ($26,000) came from small LACS you've never heard of who wanted his ACT score - instate public was still cheaper than the LAC.  We were fortunate to get all three into in-state universities but the statistics for getting are rapidly changing because families look at the $65K to $85K of SLACs and say "no way" and apply state.  Finally, homeschooled children sometimes have difficulty getting into college (there was a thread on that topic by a family that did not prepare in "College" about six months ago). Good luck.[/quote]

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