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	<title>Comments on: Spending Money On Kids At Your Own Expense</title>
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		<title>By: Economic Statistics From The Bush - Cheney Administration: Play Him Off, Keyboard Cat!</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24802</link>
		<dc:creator>Economic Statistics From The Bush - Cheney Administration: Play Him Off, Keyboard Cat!</dc:creator>
		<pubDate>Thu, 21 May 2009 02:01:43 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24802</guid>
		<description>[...] Frugal Dad: Spending Money On Kids At Your Own Expense [...]</description>
		<content:encoded><![CDATA[<p>[...] Frugal Dad: Spending Money On Kids At Your Own Expense [...]</p>
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		<title>By: Kaycee</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24798</link>
		<dc:creator>Kaycee</dc:creator>
		<pubDate>Wed, 20 May 2009 23:32:07 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24798</guid>
		<description>I am an economist by profession, so when in doubt, I do the math. When you pro-rate the $7,000 over 365 days a year you are talking about $19 a day. That&#039;s not nearly as gruesome IMO.

As a parent, I would absolutely send my child to the school that would benefit him the most. My instinct is to say cost be damned, but really I mean cost be managed. 

Try to think creatively to come up with ways to cut the expenses or increase income to accomplish this. It could be as simple as babysitting a couple of evenings a week, while your husband stays home with the kids. Maybe you have a car payment that is overbearing and you could get out of that and drive a beater to finance your son&#039;s education. 

The moral of the story is that you may have to forgo lifestyle or free-time to do what is best for your son, but you don&#039;t have to sacrifice your familie&#039;s financial future.</description>
		<content:encoded><![CDATA[<p>I am an economist by profession, so when in doubt, I do the math. When you pro-rate the $7,000 over 365 days a year you are talking about $19 a day. That&#8217;s not nearly as gruesome IMO.</p>
<p>As a parent, I would absolutely send my child to the school that would benefit him the most. My instinct is to say cost be damned, but really I mean cost be managed. </p>
<p>Try to think creatively to come up with ways to cut the expenses or increase income to accomplish this. It could be as simple as babysitting a couple of evenings a week, while your husband stays home with the kids. Maybe you have a car payment that is overbearing and you could get out of that and drive a beater to finance your son&#8217;s education. </p>
<p>The moral of the story is that you may have to forgo lifestyle or free-time to do what is best for your son, but you don&#8217;t have to sacrifice your familie&#8217;s financial future.</p>
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		<title>By: Kristine</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24788</link>
		<dc:creator>Kristine</dc:creator>
		<pubDate>Wed, 20 May 2009 18:34:03 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24788</guid>
		<description>Wow. This one really hit home with me. Instead of a disability, I am blessed/cursed to be nurturing 2 geniuses. Both my little Mensa kids have IQs in the over 160 range. 

We are spending every dime we have to rent half a house in a stellar public school district. We were in a &quot;good&quot;school district, but the kids were bored, and so, getting into trouble. Private school does not compete financially- our high rent is a 2-for-1 value.

The increased rent we pay (buying here is not feasible- the houses average about a mill a piece), makes us probably the lowest monthly payers to have our kids in this district. But I had to work 14 hour freelance days last summer to supplement my teachers salary to afford it. This year I am scrambling- freelance is dead.

We are servicing our student loans (my MS and hubby&#039;s PHD), but retirement savings is on hold. 

My kids know that college is mostly on them, our larger contribution to their college is the district that will get them into Ivy league with scholarships.

We all do what we have to do. I know that once the nest is empty, will likely work till we drop. Good thing we like our professions!</description>
		<content:encoded><![CDATA[<p>Wow. This one really hit home with me. Instead of a disability, I am blessed/cursed to be nurturing 2 geniuses. Both my little Mensa kids have IQs in the over 160 range. </p>
<p>We are spending every dime we have to rent half a house in a stellar public school district. We were in a &#8220;good&#8221;school district, but the kids were bored, and so, getting into trouble. Private school does not compete financially- our high rent is a 2-for-1 value.</p>
<p>The increased rent we pay (buying here is not feasible- the houses average about a mill a piece), makes us probably the lowest monthly payers to have our kids in this district. But I had to work 14 hour freelance days last summer to supplement my teachers salary to afford it. This year I am scrambling- freelance is dead.</p>
<p>We are servicing our student loans (my MS and hubby&#8217;s PHD), but retirement savings is on hold. </p>
<p>My kids know that college is mostly on them, our larger contribution to their college is the district that will get them into Ivy league with scholarships.</p>
<p>We all do what we have to do. I know that once the nest is empty, will likely work till we drop. Good thing we like our professions!</p>
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		<title>By: ryan</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24748</link>
		<dc:creator>ryan</dc:creator>
		<pubDate>Tue, 19 May 2009 21:39:23 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24748</guid>
		<description>look into the scholarships.  My son is finishing kindergarten at a school for kids with sensory issues. 

We receive the funding he would receive for public school via a McKay scholarship, in Florida.

Good luck, it has gotten easier for us as time has gone on.

Also, don&#039;t forgot about the expense of dietary needs.  Our first actual diagnosis for a milk allergy has come back, and now they are testing for wheat/yeast.</description>
		<content:encoded><![CDATA[<p>look into the scholarships.  My son is finishing kindergarten at a school for kids with sensory issues. </p>
<p>We receive the funding he would receive for public school via a McKay scholarship, in Florida.</p>
<p>Good luck, it has gotten easier for us as time has gone on.</p>
<p>Also, don&#8217;t forgot about the expense of dietary needs.  Our first actual diagnosis for a milk allergy has come back, and now they are testing for wheat/yeast.</p>
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		<title>By: Jessica</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24743</link>
		<dc:creator>Jessica</dc:creator>
		<pubDate>Tue, 19 May 2009 19:57:16 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24743</guid>
		<description>I agree with many posters, and say you really have to personally investigate both schools.  Is the big price tag the reason the private school is recommended, for example?  Often the &quot;expensive must mean good&quot; mentality permeates these discussions.  Interview teachers at other places and parents who are actually in the programs.

Another consideration is integration;  I am a firm believer in integration with assistance as a great treatment for high-functioning autism.  My cousin has done exceptionally well with an aid in public school, being around other kids a large portion of the day and having instances to interact.  What is the public school program like?  How have other autistic children fared in the classroom situation?  Are their teachers who help the other children understand your son, and vice versa? 

Another consideration is our other child.  How much cutting can you do before he is affected?  Would putting your other child in expensive school mean he would not be able to participate in activities?  When he goes to school, would you be able to work part or full time to make up for the lost income from tuition?  Remember you are raising two children.  One has special needs, yes, but the other has needs too.  This is often something families have to reconcile.

Another question: would your son benefit from one on one work?  If that is what you are looking for, perhaps an independent helper or professional could spend time working with your son outside of school.  If one on one work is what you are looking for, having someone come to your home or work wth your son at their office might be great for him, and possibly less expensive.  Maybe even covered by insurance?</description>
		<content:encoded><![CDATA[<p>I agree with many posters, and say you really have to personally investigate both schools.  Is the big price tag the reason the private school is recommended, for example?  Often the &#8220;expensive must mean good&#8221; mentality permeates these discussions.  Interview teachers at other places and parents who are actually in the programs.</p>
<p>Another consideration is integration;  I am a firm believer in integration with assistance as a great treatment for high-functioning autism.  My cousin has done exceptionally well with an aid in public school, being around other kids a large portion of the day and having instances to interact.  What is the public school program like?  How have other autistic children fared in the classroom situation?  Are their teachers who help the other children understand your son, and vice versa? </p>
<p>Another consideration is our other child.  How much cutting can you do before he is affected?  Would putting your other child in expensive school mean he would not be able to participate in activities?  When he goes to school, would you be able to work part or full time to make up for the lost income from tuition?  Remember you are raising two children.  One has special needs, yes, but the other has needs too.  This is often something families have to reconcile.</p>
<p>Another question: would your son benefit from one on one work?  If that is what you are looking for, perhaps an independent helper or professional could spend time working with your son outside of school.  If one on one work is what you are looking for, having someone come to your home or work wth your son at their office might be great for him, and possibly less expensive.  Maybe even covered by insurance?</p>
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		<title>By: Paul</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24739</link>
		<dc:creator>Paul</dc:creator>
		<pubDate>Tue, 19 May 2009 18:43:25 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24739</guid>
		<description>This is an issue near and dear to me;

My Son has been diagnosed with Autism and he just finished his first year at a public school here in Tucson, AZ. I must say that I feel the program he was in did a terrific job at helping him accomplish our goals for the year. That being said...

The Wife and I are buying a home in a district not known for it&#039;s stellar schools and will be moving soon. This was a big decision for us for this reason alone, but we bought the home anyway. We are planning to investigate wether our Son will thrive in the local public school or not. Now being that I am a SAHD, I WILL be investigating his school. I believe in showing up unannounced, asking teachers about both their educational approach and their credentials, and making a determination for myself as to wether or not I will be keeping my Son in their program. I realize financial concerns can prohibit some from sending their child to a private school, but your local public school may be a better choice for your child. Remember, Autism is not a specific condition but rather a set of conditions, making each child very unique and able to thrive in different conditions. 

I guess my long-winded point is this: investigate both schools for yourself (not soley on the advice of friends and well meaning family) and see where your child will thrive. Isn&#039;t that what the search is really all about, after all?</description>
		<content:encoded><![CDATA[<p>This is an issue near and dear to me;</p>
<p>My Son has been diagnosed with Autism and he just finished his first year at a public school here in Tucson, AZ. I must say that I feel the program he was in did a terrific job at helping him accomplish our goals for the year. That being said&#8230;</p>
<p>The Wife and I are buying a home in a district not known for it&#8217;s stellar schools and will be moving soon. This was a big decision for us for this reason alone, but we bought the home anyway. We are planning to investigate wether our Son will thrive in the local public school or not. Now being that I am a SAHD, I WILL be investigating his school. I believe in showing up unannounced, asking teachers about both their educational approach and their credentials, and making a determination for myself as to wether or not I will be keeping my Son in their program. I realize financial concerns can prohibit some from sending their child to a private school, but your local public school may be a better choice for your child. Remember, Autism is not a specific condition but rather a set of conditions, making each child very unique and able to thrive in different conditions. </p>
<p>I guess my long-winded point is this: investigate both schools for yourself (not soley on the advice of friends and well meaning family) and see where your child will thrive. Isn&#8217;t that what the search is really all about, after all?</p>
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		<title>By: Rebecca Rivera</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24736</link>
		<dc:creator>Rebecca Rivera</dc:creator>
		<pubDate>Tue, 19 May 2009 17:53:39 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24736</guid>
		<description>I work with special needs children, as well as have a son with special needs. I live very frugally, but highly recomend you pay for the special school. The younger these kids are workied with the better off they do in life. Perhaps you could work at school in exchange for reduced tution, or search for grants online. I know in NJ there are many.</description>
		<content:encoded><![CDATA[<p>I work with special needs children, as well as have a son with special needs. I live very frugally, but highly recomend you pay for the special school. The younger these kids are workied with the better off they do in life. Perhaps you could work at school in exchange for reduced tution, or search for grants online. I know in NJ there are many.</p>
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		<title>By: Lisa</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24733</link>
		<dc:creator>Lisa</dc:creator>
		<pubDate>Tue, 19 May 2009 17:18:59 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24733</guid>
		<description>I am of the thought that my kids&#039; needs come before any of my own. I had my turn when I was younger and now it is theirs. I am not going to go bananas and hand them the moon, but in a case like this, I would make the sacrifice such as FD suggested (eliminate all the extras) to make sure my child has all they need to succeed. In 1st grade I pulled my kids from public school and sent them to a parochial school that was very expensive. I was offered a position at the school to teach music and art part-time in exchange for tuition assistance. I jumped at the chance to do that and gained in so many more ways than just saving the $$. I was able to establish a relationship with all teachers and administrators at the school because I worked there. I also had a good relationship with the parents and the other kids as a result. I knew who my kids were interacting with every single day because I also taught those same kids. This was a terrific way to help my kids get a good start. We have chosen the homeschooling route for middle school as our parochial school only went to 6th grade. The homeschooling choice has been hands down the best decision I have ever made. I use an online curriculum that covers all the core subjects, is very inexpensive and my kids love it. I have watched their test scores jump this year from flat-line average to commended performance level. I have saved so much money in not having to drive to school twice a day, contribute to this that and the other fund-raiser along the way: all the extra stuff that goes with school-- school clothes, lunch boxes, birthday gifts for 24 classroom kids, etc. etc. etc. Because of the savings we have extra money so they can enroll in all sorts of extra-curricular stuff such as pottery, volleyball, &amp; dance and explore the stuff they really have an interest in.</description>
		<content:encoded><![CDATA[<p>I am of the thought that my kids&#8217; needs come before any of my own. I had my turn when I was younger and now it is theirs. I am not going to go bananas and hand them the moon, but in a case like this, I would make the sacrifice such as FD suggested (eliminate all the extras) to make sure my child has all they need to succeed. In 1st grade I pulled my kids from public school and sent them to a parochial school that was very expensive. I was offered a position at the school to teach music and art part-time in exchange for tuition assistance. I jumped at the chance to do that and gained in so many more ways than just saving the $$. I was able to establish a relationship with all teachers and administrators at the school because I worked there. I also had a good relationship with the parents and the other kids as a result. I knew who my kids were interacting with every single day because I also taught those same kids. This was a terrific way to help my kids get a good start. We have chosen the homeschooling route for middle school as our parochial school only went to 6th grade. The homeschooling choice has been hands down the best decision I have ever made. I use an online curriculum that covers all the core subjects, is very inexpensive and my kids love it. I have watched their test scores jump this year from flat-line average to commended performance level. I have saved so much money in not having to drive to school twice a day, contribute to this that and the other fund-raiser along the way: all the extra stuff that goes with school&#8211; school clothes, lunch boxes, birthday gifts for 24 classroom kids, etc. etc. etc. Because of the savings we have extra money so they can enroll in all sorts of extra-curricular stuff such as pottery, volleyball, &amp; dance and explore the stuff they really have an interest in.</p>
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		<title>By: Greg</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24731</link>
		<dc:creator>Greg</dc:creator>
		<pubDate>Tue, 19 May 2009 16:47:07 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24731</guid>
		<description>@Katie - great approach to your thought process.  I know of too many people (most do not have special needs children) who decide that private schools, camps, etc. are the only way to go.  Money is no object when it comes to their kids they say!  Meanwhile, they are racking up credit card debt, making no headway on their own student debt, and not saving for retirement.  This situation is different because of the needs of the child, however.

From the original post, it sounds like the family has existing debt to pay off, so it worries me that they might forgo making any progress while the child is in private school.  Tough call, but I would follow Katie&#039;s advice and if I determined that the private school was the best option, make the sacrifices necessary to pay the tuition and still make headway on paying debt.

I have a close friend who&#039;s son shows signs of autism/asperger&#039;s (no definitive diagnosis was found).  They were able to get him in a private pre-school at 3 or 4 years old, then transition to a specialized public school program for a year, and now he is in a regular 1st grade class with some additional help at times. 

Good luck with your decision.  I think its great that you are thinking through all the issues rather than just taking the leap without seeing where it will lead.</description>
		<content:encoded><![CDATA[<p>@Katie &#8211; great approach to your thought process.  I know of too many people (most do not have special needs children) who decide that private schools, camps, etc. are the only way to go.  Money is no object when it comes to their kids they say!  Meanwhile, they are racking up credit card debt, making no headway on their own student debt, and not saving for retirement.  This situation is different because of the needs of the child, however.</p>
<p>From the original post, it sounds like the family has existing debt to pay off, so it worries me that they might forgo making any progress while the child is in private school.  Tough call, but I would follow Katie&#8217;s advice and if I determined that the private school was the best option, make the sacrifices necessary to pay the tuition and still make headway on paying debt.</p>
<p>I have a close friend who&#8217;s son shows signs of autism/asperger&#8217;s (no definitive diagnosis was found).  They were able to get him in a private pre-school at 3 or 4 years old, then transition to a specialized public school program for a year, and now he is in a regular 1st grade class with some additional help at times. </p>
<p>Good luck with your decision.  I think its great that you are thinking through all the issues rather than just taking the leap without seeing where it will lead.</p>
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		<title>By: MLR</title>
		<link>http://frugaldad.com/2009/05/19/spending-money-on-kids-at-your-own-expense/#comment-24727</link>
		<dc:creator>MLR</dc:creator>
		<pubDate>Tue, 19 May 2009 16:09:51 +0000</pubDate>
		<guid isPermaLink="false">http://frugaldad.com/?p=2556#comment-24727</guid>
		<description>This is, indeed, a rough decision.

Like Rob said, if it were a college aged child I would probably say no. But being it is a young child with special needs, I would probably pay for the better schooling.

Keep us updated..</description>
		<content:encoded><![CDATA[<p>This is, indeed, a rough decision.</p>
<p>Like Rob said, if it were a college aged child I would probably say no. But being it is a young child with special needs, I would probably pay for the better schooling.</p>
<p>Keep us updated..</p>
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