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

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][b]Op again. We are navigating the summer camp thing now. $450 (or even higher... Smithsonian camps are closer to $540/week with aftercare!) seems to be pretty standard unless you do a city camp or Ymca type camp, which are ok but not for the whole summer. They aren't always well organized. We are looking at sending kids to stay with relatives for part of the summer. [/b]

I honestly think a big problem is the cost of living here. $450/week per child for camp is so crazy. Housing is so expensive. Even food is more expensive. Daycare most expensive in nation. I would love to move somewhere cheaper. But I am a fed and DH also works on the Hill. [/quote]

I'm sorry but you can't afford this. The most you can afford is the YMCA daycare. Disorganized or not you can't afford the more expensive if you are trying to pay down credit card debt.[/quote]

OP, I still don't understand why you won't consider hiring a nanny/babysitter for the summer.  It sounds like the youngest has to go to daycare to keep the spot, and you can definitely get an on-the-books nanny for two older kids for less than $900/week.  The advantage is that if you find a nanny with a car (or even leave your car at home), they can do some of the drop-off/pick-ups and allow you and your DH to carpool which would probably save on gas and parking.  You may also find a nanny who can do light meal prep, making it a lot easier to do home-cooked meals.[/quote]

I guess it depends on where you live.  We loved the YMCA camps in Bethesda and Silver Spring.  Very well organized and the kids loved it.  Did before care, too.  For the whole summer.   Maybe the other YMCA camps aren't as good, but those two were great.  [/quote]

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