may tuition update

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may was a long month. a very long month for this girl. i think may always seems long, every year. between spring busyness [let me hear you shout weddings!], general anticipation for summer, and the whole 31 day thing, it’s just long. add working more than ever, teaching 37 kids for three days, and waiting for some very important news all month to those and you’ll get a very. tired. lisagrace.

i could go on about how stressful life has been this past month, but i don’t want to bore you. oh, and the important news? look for that in the next post. and no, for the last time, i’m not pregnant! : )

but hey! it’s june. and all of the above has been resolved, so life is on the up and up.

because of lots of extra work for me [and triple paycheck month-love those!] and bryan starting his job at fareway, we set a hefty savings goal of $1,200.00. i’m happy to say we did that and $17.95 more! less than 75% to go!

tuition for 2011-2012 school year: $9,654.00
savings at the end of may: $2,517.95
difference: $7,136.05
percentage saved: 26.08%
percentage left to save: 73.92%

if you have a little extra time, here’s a funny student loan story, this is why i’m so glad God has given us so much wisdom with our finances. they make it so easy to take out more than you need in student loans!

at the end of april, we officially filed the paperwork to apply for $5,500 worth of unsubsidized stafford loans. we’re certain we won’t need any more than that for the upcoming school year and are hoping we don’t need any of it, obviously, but it’s a just-in-case precaution. we were approved for quite a bit more than that, but we were careful to cancel all the other loans. when you fill out your paperwork, they automatically assume you want the maximum amount you were approved for so you have to cancel the ones you don’t want. isn’t that silly?

anyway, a couple weeks ago, we got a check in the mail. a $6,200.00 check. just a check that said something about a refund on the memo, no note, no explanation, just a big fat check. we’ve never taken out student loans before, so i thought, maybe we’re getting our loan for next fall early, but why and why so much? if it wasn’t for the fall, then it was for this past year, and we didn’t pay even close to that much with the scholarship that bryan got. why would we need more money after everything’s done and paid for?

already long story short, i guess because we just filled out our loan paperwork, it activated a student loan we were approved for last year and they sent us a check! while buying a boat was tempting, we took that check straight to the financial offices and straightened it out. we didn’t want to owe that much money later. : )

‘member that time?

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‘member that time when my mom called my father-in-law white trash? to his face?! the first time they met?!

yeah, that was hilarious.

note: no in-law relationships were damaged in this ‘member that time.

[it’s ‘member that time monday at the van voorst‘s blog!]

baby bunnies!!!

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so, we’ve had this big planting pot that I stole from my mom when we moved to iowa city. bryan informed me that the bunnies that live under our trailer had been nibbling on the weed that grows in said planting pot. well, we now know that it was actually a mama bunny scouting out a good place to birth her next litter.

so cute! we left our house around 2:30pm this afternoon and got back around 5pm and the bunnies were born! they quickly burrowed in the dirt to get warm after we got there but here is a video of them right as they were burrowing.

she stayed at home

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wwad.gif

my mom always wanted to be a mom. seriously.

she wasn’t even planning on going to college until someone told her that she wouldn’t find a husband if she didn’t go to college. her high school counselor told her she would never get into the university of illinois considering her low a.c.t. scores. how cute is that?  she got in though, she majored in elementary education and graduated college in 1982. she did meet my dad in college, thank goodness she found herself a husband!

starting in 1985, my mom had 6 kids in about 10 years. her dream of being a wife and mom became reality.  

one of the biggest and most important decisions she ever made was to be not just a mom but a stay-at-home-mom.

it wasn’t a difficult choice for her, but it’s a difficult choice for many women to make. but i do believe there are compelling reasons for staying at home.

let’s take a look at the financial benefits to staying at home. i looked up current childcare costs in iowa today. childcare for 6 kids each from ages 1-5 (assuming public school starts at age 5 and not accounting for after school babysitting/programs) would be anywhere from $190,020.00-$234,816.00 which averages to be about $12,668.00-$15,654.40 annually.
now, the median elementary school teacher salary is currently $43,614.00 according to salary.com. i’m going to assume around 30% income tax, which is probably low because the second income would likely raise the income bracket. that puts us at $30,529.80 in annual income after taxes best case scenario. half of that would go to childcare.
now, if my mom would have chosen to work, there are a whole other slew of expenses that come with that. things like professional attire, two working and reliable vehicles, convenience groceries and items, more eating out, extra fuel, etc. etc. honestly, i wouldn’t be surprised if in the end, they would have broken even. these are tough numbers to see, but i’m convinced that it just wouldn’t be the wisest financial decision for my mom to have worked.

but it was so much more than a financial decision. my parents wanted us to be raised and nurtured by them as much as possible. they decided that the best way to do that would be to allow my mom to stay at home with us. they both wanted us all to know and love the Lord. they wanted to teach us Biblical principles and truths as much as possible. the investment of time, love, teaching, and rearing my mom deposited into us is priceless.

i could not be more grateful for the sacrifice my mom made by staying at home all these years. my little sister (the youngest) is 16 and my mom has just started to work again in the past couple of years. the investment, the love, the care, and the being there was and is the best gift she could ever give to me. i’m so thankful for my dad and his willingness and hard work to provide for 8 people. it wasn’t easy, and we didn’t have much.

after talking to my mom more about this, i learned that we lived in a two bedroom apartment until my little brother adam was born. adam is the fifth child. yep, you read that right. luke, levi and i all shared a room and mark slept in the walk-in closet connected to my parents bedroom as an infant. they bought their first house and we moved in 10 days after adam was born in 1992. how amazing is that?!

i honestly can’t thank my parents enough for making this incredibly huge and sacrificial decision. it was worth it! the values that they instilled in me are life-lasting. i credit my mom and dad greatly for my dream to be a stay-at-home mom.

and you know what is the most encouraging thing about all of this? my mom had fun! she loved her job as our mom and being the keeper of the home. she made life into a game by challenging her grocery budget. she relied on God to provide even the littlest things, like a baseball glove for my brother. and He always came through! she had fun watching God do sweet things showing Himself strong on her family’s behalf.

i think this is my last what would ami do? post. this summer i’m going to be writing about bryan and i’s financial journey over the last 2+ years. our financial goals and plans have a lot to do with our desire for me to stay at home with our kids when the time comes. you’ll be hearing more soon!

i’ll leave you with a two encouraging videos about motherhood. the first is the first 3 minutes of a q&a with mark and grace driscoll. the second is a mother’s day message from veritas by mark arant.

am i losing it if i…

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accidentally and unintentionally purchase a car wash with my gas?
can’t figure out how to start the gas at a gas station i’d never been to?
can’t hear if the gas is pumping into my car or not, so i gently pull out the pump and thus spill gas all over myself?
was late to work?
spent 45 minutes grocery shopping at fareway only to get to the checkout line without a wallet?
get out to my car after apologizing profusely to the fareway employees, find my credit card sitting there and run back in to purchase said groceries?
after staring at two different gallons of milk in fridge for about a minute, i decide they are both skim and pick one, only to find out the next morning that the one i chose was whole milk?

all of the above happened in a very short period of time.

thankfully, i’m in ames right now, teaching geography to 7 year olds. even though i’m teaching from 8-5 and working a little from 5-8ish (that’s a 12 hour day), it still feels like a vacation. how sad is that?

yeah, i’m probably losing it. : )

‘member that time?

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congratulations julie

‘member that time i got married to my best ever friend exactly two years ago? ‘member how i bawled my eyes out like the entire time?

‘member how i was so disoriented and happy after the wedding that as we were dismissing our guests i was congratulating them?

yeah, that was freakin’ cute.

happy anniversary to me!!!!

[it’s ‘member that time monday at the van voorst‘s blog!]