Tuesday, October 1, 2013

On Extra-Curriculars

Good old game of family ball hockey a couple of weekends ago up north
One of my favourite bloggers recently wrote an awesome post over at the Yummy Mummy Club. I had been planning on writing our family approach for awhile and this made the perfect opportunity. How do you find a balance between enriching your child's life with extracurriculars, allowing them to have free and unstructured play, and not burning them or yourself as a parent out at the same time. Multiply the number of kids and this equation can get increasingly difficult, not to mention expensive. 

I was recently scrolling the EQAO (standardized testing) results for our school and found the questions they asked of the kids the most interesting - an overwhelming number of them participated in extracurriculars. Nearly all of those extracurriculars fell under the "sports" category. Undoubtedly a part of this is the federal tax credit for qualifying activities which get kids active. Remarkably few children at our school took extracurriculars in the area of art, drama, or music but I imagine this would be much the same for other schools in the area. The EQAO also asks the child about screen time and parent engagement  - I'd encourage you to search for the results from your school if you live in Ontario. 

Both our boys absolutely LOVE the outdoors. We have no trouble getting either to go outside and play. It also helps that we live in a neighbourhood with many kids and the park/playground is really close. We also have a decent-sized backyard and whenever people have asked what they'd like for their birthdays (both in the Spring) we always answer anything for outdoor play. So, they are quite active. We often like to "let them burn off steam" by playing outside. 

Our family approach:

- We've never done more than one extracurricular at one time for each kid. At this point, N (2.5 yrs) has only ever taken swimming lessons and I think we'll keep it fairly limited until about age 4. We tried B at 3 yrs with soccer and he didn't particularly enjoy it. He was also developmentally very focused on himself still and playing alongside other children rather than with them. It was effectively a waste of both time and money. Since our little guys are very active on a regular basis, I would argue for our family, getting the required amount of physical activity won't be an "issue" until at least age 9-10 when more technology starts infiltrating their lives. 

- At least, once in the Fall, Winter or Spring (usually Fall of Spring to avoid missing too many lessons from ear infections) both boys take swimming lessons. We think of this as non-optional and as a life skill. It costs about $80 for 9 or 10 weeks which isn't too bad. In the past, the boys were lucky to have Grandma take them to their lessons. This gave them special time with her. In the summer, we are usually around pools or water a lot more and they can practice their swimming then with us in an unstructured environment. 

- We also want to try to encourage at least one extra curricular other than sports. B is really interested in drawing lately so this might be an option. 

- Down the line, if either child gets particularly interested in one sport, we will have to weigh our options both in terms of time/cost/impact to the rest of the family. We're all for nurturing interests and talents in each child but also being mindful of the family as a unit. 

On timing... 

Finding a good balance with the timing of extracurriculars has been something that I only think we finally got down recently. Our family rule is that we will spend more than half of the evenings in the week at home together as a family this means no more than 3 nights/week can contain activities for all family members. As our family grows, we will have to be conscious about scheduling so as to not break our rule (adult extracurriculars included!). 

Both boys are taking swimming lessons this Fall and we thought about scheduling them together except one parent has to be in the pool still with N which makes it a little bit difficult if you're going solo and doesn't give the chance to watch B's lesson. Also, most of the lessons are at 6 or 6:30pm which makes getting back for our 7pm bedtime difficult and makes for cranky kids the next morning. Also, after dinner both of my kids are tired and consequently their listening skills aren't the greatest and melt downs are at their prime. Another consideration we have is that while DH is home every night of the week, I often have work meetings in the evening or volunteer commitments. On average, I am out 1-2 nights/week but some odd weeks, as many as 3 nights. This makes it more difficult for evening activities since both kids need to be dragged along and while B is a little bit more flexible with bedtime, often N is falling apart before bedtime. 

Since N is home with my sister during the week, she volunteered to take him to swimming lessons during the week in the mornings when he'd be well rested. This also gives them something to break up their week a little bit. Since this was B's first year of full day kindergarten, and given our past experiences with night time lessons, we opted for morning lessons on the weekend when he is also well rested and it doesn't cut into the rest of our day together. This schedule is working wonderfully for us so far. I even enjoy going to watch the lessons more since I haven't been working all day and stressing to make dinner and get out the door. 

I'd love to hear how others handle extracurriculars!

Thursday, September 26, 2013

Month 11: Debt Repayment Update and New Wheels


One month away from the one year mark in our debt repayment journey. This month I had set a goal to pay off $1000 and came in short but over the $470 we paid last month. This month we're down $707 which leaves:

$52,163

This month we got rid of our old 2004 Montana that DH was using to commute just over 100km/day. It finally kicked the can so we are now a 2 car family. We picked up a nice used 2010 Kia sedan, 4cyl, 2.0L, manual transmission, with all of the bells and whistles and under 50,000km. With the amount DH drives, this should easily last him a few years and it is reliable. The biggest bonus is that the savings in gas offsets the higher payments on the car and slightly higher insurance premium which means, our budget will remain unchanged in the vehicle department but DH gets way nicer and more reliable wheels. 

A lot of discussions were had in our household about what vehicle should replace the van. We were under the mindset that we needed one larger vehicle as a family with 2 growing boys. You know, for all those times where we had to haul renovation materials, canoes, and kid gear and of course we needed a vehicle with towing capacity for the boat that we MIGHT want to get in the future. DH really wanted a truck. No matter which way we crunched the numbers we couldn't get a truck (even an old truck or the most basic model) to fit into our budget with the amount of driving DH does both because of the higher price point of trucks and because of the fuel economy. Though I only commute 25km/day, I didn't want to drive a large gas guzzler. I really like my Prius and the other fear was that DH would run the Prius into the ground with the amount of driving he does before we had paid it off. 

After looking at the costs, we found that DH could get a much nicer, newer, 4 cyl. sedan - with added luxuries like heated seats - within our budget than any SUV or truck we looked at. The reality is also that with DH being in construction, very seldom do we use his vehicle for anything other than his commute to work since he brings home a lot of dust and dirt on his clothes (and a couple other sweaty men). 

We also laughed about the time we brought a dishwasher home tied in (mostly out) of the trunk of his old Neon and that time we secured a bunch of sheets of drywall to the roof. For the once every couple of years trip to Home Depot to get larger materials/items, we'll borrow a truck or van from family/friends or just pay the $30 rental fee for a truck or van for an hour to get the materials home. If we feel we need more space for a long drive or trip, we'll rent a larger vehicle for the trip though this summer we did the 6 hour drive to DH's family cottage and didn't feel cramped at all in the Prius. If space becomes an issue, we'll also investigate roof racks. Even after the cost of a few rentals, we're still saving substantially by not owning a larger vehicle. 

Monday, September 9, 2013

The planning has begun - Christmas Family Vacation 2013!

My library card has been getting a workout

To early for a Christmas post? I'm just bursting with excitement to share that this Christmas, we're going to Disney World! Backing up just a bit... remember when I said (twice) that it didn't look like the week-long family vacation was going to happen for us this year? Well a few things happened since then:

- Our neighbours returned from their second (yes second!) trip to Disney this year with their almost 5 year old son. In chatting with our neighbour about how overpriced we heard Disney was, he said it actually wasn't too bad (aside from the flights) and talked it up big time. They are already planning their next trip!

- DH and I were chatting about doing a low-key Florida beach vacation over Christmas holiday but when we looked into condo rentals and compared to Disney - Disney actually came out to around the same price as a condo rental at the beach due to premium Christmas time prices, not to mention extremely limited availability.

- I got a raise at work with my most recent new contract (woohoo!)

Our vacation budget: $3000

Details: 5 nights at Disney, 3 days of Theme Park Passes (including Park Hopper Option), and a whole lot of driving (about 21 hours each way)

How we're making this happen:

- We are driving. Flights alone would cost about as much as the actual Disney Vacation Package whereas gas in the Prius is cheap and a decent motel can be had for $50/night. We are planning on doing the drive in 2 days each way - 12 hours the first day and 8-9 the second with plenty of rest stops. Sarah is my inspiration.

-  We made reservations at a "value resort" after reading many many reviews, we came to the conclusion that this would be perfect for our family right down to the "tacky" character themes. The boys will just love it and for us, we're fine with paying half as much as the the fancier resorts.

- N is still FREE until his 3rd birthday which saves us a whackload on the Theme Park tickets. We also saved by doing 3 days at the Parks instead of 4. I know our guys will need a bit of a break and with so much to do at the resort and in Downtown Disney, we won't be bored.

- We opted out of the Disney Dining Plan after reading several reviews. We are confident we can cover our food for less than $800.  We plan on doing some breakfasts/lunches in our room (which comes with a mini-fridge) since we'll be coming back in the afternoons for naps anyway and taking care of our own breakfast will allow us to get to the parks first thing. We have also budgeted for 1-2 meals out/day. I've been scouring the internet for restaurant reviews etc. Two of my go to sites have been this one and this one.

- We're scaling WAY back on Christmas this year. Rather than our usual $1200, we have budgeted $400. Also, if family and friends ask for gift ideas, we'll suggest trip-related stuff like Disney Gift Cards or fun toys/activities for the boys for the car ride.

- Timing. Yes, Christmas is a very expensive time to travel but it is the only time where DH and I both have "forced" holidays and where I can take vacation without using vacation pay (Stat Holidays and lieu time) to cover my time off which frees it up for spending on the actual vacation.

- Payment plan. Since we decided on the fly, we hadn't set aside any money for the trip. Lucky for us, if you book through Disney, they offer a no-interest payment plan option with a booking deposit of $200 and the balance being due 45 days before your arrival. We've just broken it down into smaller payments that we'll pay from each of our paycheques between now and then. What I really like about this is that it seems really affordable for families who plan, say 18 months, in advance - and who can take advantage of cheaper season rates. If we do plan on going back again we might just go this route.

Most importantly, we have not stopped paying down debt, just took another look at our budget and squeezed some more fun money in which will serve as a great incentive not to waste money. That is one more goal we'll be able to check off for this year!

Sunday, September 1, 2013

Hello September

We were planning on heading up north for the weekend but I have been feeling under the weather so we opted for staying home instead.

September always feels like a fresh start - I guess because I am so used to being in school. The other day I headed to Staples and bought myself a new planner for the occasion - my first September in a long while where I am not going back to school.

Here are my September plans:

+ Finally get around to giving B's bedroom a facelift before school starts

+ Rent carpet cleaner and clean the carpets in the house

+ Give the house a deep clean (we've been away most weekends all summer so the cleaning hasn't been thorough.

+ Prep for academic conference I will be attending and presenting at later this month!

+ Book that eye appointment I've been putting off.

+ Get more sleep, exercise, and eat well.

+ Pay off $1000 on our debt.

Ready and go!

Sunday, August 25, 2013

Month 10: Debt Repayment Update and Back to School

This month marks the end of our extra summer costs for our summer vacation getaway,  my professional fees, and additional childcare expenses for the summer holiday. This month we're down $470 which leaves:

$52,870

I'm setting high hopes for next month. I want to pay down at least $1000 which is about double what we've been paying down on the principal for the last two months but totally do-able without the added expenses the summer brought. 

I haven't gone crazy back to school shopping for B this year. He still has a backpack, lunch bag, thermos, water bottle, and containers from last year. His existing wardrobe is pretty good and only needs a few things to supplement for the Fall. Up until this point we've always received a bunch of hand me downs from friends with boys a year older than B but two friends who weren't planning on having more kids recently had second baby boys so I'm not expecting the hand me downs to keep flowing. At this point, I have been finding it hard to find the larger sizes in thrift stores. The selection is usually poor and the clothing is well worn. A few things I did buy this year were on sale but I haven't really been finding very many good sales lately. Here is what we got:

- Sonic the Hedgehog Graphic Tee - for wearing under a sweatshirt ($5 - Walmart Clearance)
- Pair of blue jeans ($5 - Walmart Clearance)
- Two long-sleeved tees ($10 - Joe Fresh Sale)
- Package of 2 boxer briefs ($5 - Marshalls)
- Haircut ($10 incl. tip with $2 Off Coupon)


Things he still needs (budgeted amounts):

- Pair of indoor and outdoor shoes ($20 & $35) - I am willing to pay a bit more for the outdoors since B spends a ton of time outside on his bike, scootering, at the playground, and puttering around the backyard. The indoors I usually get from Payless.- Pair of fall pajamas ($10) - waiting on a good deal for these. We are still wearing summer pjs at this point and have two pairs of pjs with pants. 

Looks like I'll be spending about $100 this year on back to school which I don't think is too bad. I've also been reminding myself that he doesn't need EVERYTHING for before he goes back to school. I think as parents we forget this and opt for buying it all at once which is harder on the wallet.  For the first few weeks he will still likely be wearing shorts to school. 

Monday, August 19, 2013

My favourite parts of this summer

At the in-laws cottage in Temagami, Ontario


Summer is rapidly coming to an end so I thought I’d post the highlights of our summer in no particular order:

Purchasing a little piece of heaven up north and being lucky enough to spend nearly all our weekends this summer up there

A big milestone for the 5 year old - Learning to swim in the deep end of the pool with no life jacket or floatation device

Weekend morning canoe rides on the lake and dreaming about living on the lake full-time

Mid-week trip up north with my best friend while she was back from Edmonton and laughing until my stomach hurt

Monday library date nights with my biggest guy

Spending a somewhat surprisingly relaxing long weekend at my in-laws cottage – both boys slept like a charm and were easily entertained all day long

Seeing the littlest beam at the sight of any boat or boat ride

Getting together with friends whether it was hosting dinners, quick coffees, or having visitors up north, friends were never far away this summer

Attending the beautiful wedding of two friends and celebrating and catching up with some old university friends

Having a ton of interesting projects on the go at work and watching the pieces fall into place with my career (still no permanent job yet but working on that!)

At the beginning of the year I had really hoped to take a one-week vacation and spend some much needed family time. We didn’t take that week off this summer but we spent so much more time together, uninterrupted family time, just us - up north on the weekends. We are really so blessed to live in such a beautiful country and province with opportunities for cultural and outdoor experiences at our fingertips that we often take for granted.  A friend, Sarah, recently posted on her 10 year anniversary trip to Niagara Falls . Not Europe but amazing nevertheless and only 2 hours away. Our own backyard has so much to offer.   

Sunday, August 11, 2013

Summer relaxing

I've been a little bit of an infrequent blogger this summer. We've been spending nearly all of our weekends lakeside. Last weekend we were up at my in-law's cottage and we happened upon a well used hammock they had lying around. We brought it back with us for our own summer place. This was the first weekend we put it up and it was used constantly. Yes, there was ample arguing over turns, who is sitting on top of who, etc. but the boys and their friends had such good fun on the hammock all weekend.