After a wedding the next biggest expensive party is a baby shower. While baby showers aren’t nearly as elaborate as weddings (or most aren’t) they are still something that can either the parents-to-be or the person hosting will need to make sure they have enough funds for. The baby shower in the cost break down below would be considered a very nice baby shower with a plated lunch and a custom cake & cookies. This baby shower was also held at a low key Country Club. The over feel of the very nice baby shower is more in line as a low key Kardashian Baby Shower.
Literally the day after I was cleared to drive after having my baby I went looking at daycares. I looked at 3 different places. I wanted to find the best daycare that offered the best value for my money and finances.
Daycare A – The Goddard School)
– Good location – A few minutes away from our house. Convenient for both of us to take or pick him up
– Good staff – they were knowledgeable & friendly. Anyone could tell how much they love the kids
– Fun atmosphere. All of the classrooms were decorated with kid crafts
– good security with 2 sets of doors to get in & each family’s had 4 digit unique code to open the second set of doors
– Crowded facility- in the infant class there were 16 babies. This seemed like too many to me. With germs spreading like wildfire at daycares I wanted my baby to be around as few kids as possible. The infant room also seemed extremely small given the 16 kids, as well as all of the other rooms were maxed out.
– Franchised own – with being a franchise their is a greater risk of the daycare being sold versus a company owning it. With a franchise it would depend a lot on how good that particular owner was. The director that we spoke with had only great things to say of this owner; however, he had owned another daycare else & sold it previously. So I would be concerned that if it were sold that the new owner wouldn’t be as good.
Daycare B -Legacy Academy)
– Excellent Great location – both my husband & I would definitely be able to take or pick him up
– We know 2 Families that send their kids there & are happy with it
– Bad online reviews
– Lack of Security – one set of doors that anyone could walk through
– Unprofessional staff – the 2 people in the infant room when I was touring didn’t seem to even like babies. Granted the main teacher wasn’t there that day though.There was one poor baby crying for attention at one of the staff’s feet & had I not been touring the daycare, I seriously doubt she would have picked him up. Also, the director that gave us the tour didn’t know very many details & I believe she had been there for awhile.
– Franchised own – according to the bad online reviews the owner that purchased it 5 years ago is only interested in money. Again being a franchise it is super dependent on the individual owner.
– Wonderful facility (they even have a water park for the preschoolers)
– Very nice staff- I could tell that the infant teacher really cared for the babies
– Seemed very focused on education
– Excellent security with finger print identification & bulletproof glass windows
– Owned by a private company, so not dependent on an individual owner
– We know 1 family that sent their kids & were happy with it
– Location is not the best. It would take me a round trip of an hour to take him and then another hour to pick him up
Based on these Pros & Cons I rated them as follows:
Daycare C – Best
Daycare A – The Goddard School – Good
Daycare B – Legacy Academy – Worst
Now on the to the money part…….
Daycare C is $16,404/yr
The Goddard School is $13,520/yr
Legacy Academy is $12,021/yr
Given the differences between the daycares we went with Daycare C, which I deemed as the best but most expensive option. I was actually surprised that Legacy Academy wasn’t cheaper, because it didn’t seem to be up to par to be $1.5K behind The Goddard School. With Daycare C I truly believe that we are getting what we are paying for. I didn’t mention this in the Pros as I believe that all 3 daycares do this but included in the cost are diapers, wipes, & ointments, which makes the $16.4K a year easier to swallow. Since this is where my baby is spending the majority of his time during the work week, I definitely wanted him to have the best and out of these 3 I’m glad we went with Daycare C 🙂
While there are different reasons refinance, such as needing access to more cash or needing to make a smaller monthly payment, the overall obvious reason would be to improve your financial position. In order to ensure that doing a refinance will actually improve your financial position, you WILL have to do your homework up front and run the numbers in advance. Thinking that refinancing will automatically help you is wrong.
With the current technology available consisting of laptops, internet, software
applications and mobile device, some employers are overlooking a key benefit to offer their employees. The cost of this benefit is actually not even a cost but a cost savings for the employer and the employee. The benefit is the flexibility to work REMOTELY. Granted as with any benefit employees need to realize that if you abuse a benefit, then at some point you will loose it. I am an expert on working remotely given that I have had some remote days for 75% of career. It has been one of the wonderful things that make putting many extra hours worth it, by having the flexibility of not having to go into the office every day. Over the course of my remote days I have noted the following benefits for employers and employees.
Over the course of the past couple of months, I have found a loved one a new house, purchased the new house, helped move them, updated their old house, gotten the old house on the market, and now am in the process of the old home being under contract with less than 2 weeks until closing.
By having an actual TRUE example, I’m going to lay out the foundation to consider what to BUDGET for your next move.
Keep in mind that the entire point of budgeting out the move and knowing the TRUE cost is so that you can plan ahead. This way you will know exactly what you can and cannot afford. The last thing you want to do is move into your new place with remorse of over-spending and not preparing a budget. Here are the big items to consider:
Last February I signed up with one of the reputable peer to peer (P2P) lending sites. I had heard good things about peer to peer lending from several blogs & articles. Even on one of Suze Orman’s last episodes she said that if you have everything else in order (like an ample emergency fund, contributing to your retirement fund, no debt, etc.) that she thought P2P was just fine.
The Real Money Boss…is Coming To Town! - Personal Finance Tips
There are 2 Types of people in this world…those who work for their money & those whose money works for them!
Ok really, most people are a blend of the 2 types listed above. But my goal is to be more of the latter, so that I can have enough money to spend my time doing what I want to do and less time doing things that I don’t want to do….like work. The purpose of The Real Money Boss is to help all of us get more to a point of our money working for us!