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Back to School Spending: Tween Edition

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My kids, twin girls going into 7th grade, will be heading back to school soon. And with that first day back looming large on the horizon, I took them this past weekend to get all our back-to-school needs met. The girls are now 12-years-old, and are maturing physically, socially, emotionally, etc. This means a slightly more “grown up” taste and also aging up into the adult section for clothes and more.

Clothes & Shoes

My girls have been at an in-between/tween size for about a year now, but I think we’ve officially tipped over into the “women’s” size range. There are still some “kid” clothes they select and wear a L/XL. But things fit better in the women’s XS/S range. Boy oh boy, was my pocket book in for a surprise with this shift in sizing!

I took the kids to Old Navy at our local outlet mall – a retailer I consider to be relatively inexpensive. Imagine my shock when a simple dress, that would’ve cost likely $20 or below in kids sizes, now suddenly has a price tag of $40+! I noticed the same thing at the Nike outlet when I was looking at running shoes (both girls are on their school’s cross-country team and need decent running shoes). Thankfully, their feet are still on the smaller side, so they can fit into the biggest kids’ sizes. But I was eyeing the pricetags and noticed a HUGE jump in price for a kids’ version of a shoe versus an adults. For example, the shoes I ended up buying cost only $33 in the kids’ version! But an equivalent adult-sized version was closer to $90+! Ooof!

Hair Cuts

After our trip to the outlet mall, we also made a trip to get back-to-school haircuts. At 12-years old, the girls no longer qualify for the “kids cut” (available for age 11 and under). And adult haircut prices start at least $5-10 more than the kids’ equivalent. Even at the cheaper hair cut places (not some high end salon), I ended up paying $50 + tip for two relatively simple cuts. Ouch!

School Supplies

One area where I saved a little bit of money on back-to-school was with school supplies. Now that the girls are middle schoolers, they no longer need many of the art supplies that used to be required (e.g., construction paper, markers, paints, glues, etc.). Where I know I used to spend well over $100+ on back-to-school supplies, this year our costs were minimal. We needed pencils, lined paper, some composition books and binders, and that was it! I spent less than $50 for all the supplies for both girls! At least this part of back-to-school was a win!

Price Comparisons

I was musing things over with my husband after our big shopping day. I was feeling pained in the pocket-book, especially after realizing the big price jump in clothing when the girls transitioned into the adults’ section sizing. Objectively speaking, the older the girls have gotten, the less things have cost. When they were very young, I remember paying $1200/month in childcare. At the time our rent was under $1,000, so our childcare cost more than our housing!

Now, even with adult size clothing and back-to-school sports fees (not even mentioned above), hair cuts, school supplies, etc., I’m coming out way cheaper than $1200/month! But for some reason it psychologically feels different. When I paid $1200/month in childcare, it was a single fee paid at the beginning of the month. It was “set” and expected and that was it! Now, every single need/want/desire is a separate transaction. It feels like death by a thousand cuts and I’m noticing the jump in price at every register.

Obviously, I will take care of all my kids’ basic needs. And I am fortunate to have a job that provides an income where this is feasible and the jump in price is just an annoyance and not a matter of emergency or having to make decisions about what we can and cannot go without. But wow! This month was really a shock and I think a preview of what’s to come. I suppose at some point, the girls will stop growing in height and can hopefully re-wear some of their clothes for longer periods of time. At this point, they’re still growing and we basically need a whole new wardrobe every year since last season’s clothes are too short or too tight.

Let’s not even talk about other expenses that could be on the horizon…..like braces (maybe needed sometime this year!), technology, etc. In the blink of an eye they’ll be driving and that’s a whole other thing with vehicle cost, maintenance, insurance, etc. Oof! On second thought, I better just enjoy these tween years because this is probably the cheapest years there will be!

Do you have school aged kids? What are your back-to-school costs?

How to Wisely Spend Money on Truck Maintenance

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Owning and maintaining a truck involves a significant financial commitment. With nearly 3.5 million truck drivers in the U.S., it’s evident that this is an essential and widespread profession. Proper maintenance is crucial not only for extending the life of the vehicle but also for ensuring safety and compliance with legal requirements. Here are some smart strategies to effectively spend money on truck maintenance.

Prioritize Regular Inspections and Preventive Maintenance

One of the best ways to save money in the long run is by investing in regular inspections and preventive maintenance. Routine check-ups can identify potential issues before they become costly repairs. A small investment in preventive maintenance can prevent expensive breakdowns and extend the lifespan of your truck. Regularly check tire pressure, oil levels, and brake conditions to ensure everything is functioning correctly.

Stay on Top of Transmission Maintenance

Transmission repairs can be one of the most expensive fixes for a truck. According to the Transmission Repair Cost Guide, it’s essential to change the transmission oil and filter every 20,000-30,000 miles or every 18 months. Adhering to this maintenance schedule can prevent major transmission issues and save a substantial amount of money over time. Neglecting transmission maintenance can lead to severe damage, requiring costly repairs or even a complete replacement.

Understand and Comply with Insurance Requirements

Insurance is a critical aspect of truck ownership, especially for those who drive professionally. In Texas, for instance, vehicle owners must have minimum liability insurance limits of $30,000 per person, $60,000 per accident, and $25,000 for property damage. Ensuring you have the right insurance coverage protects you from significant out-of-pocket expenses in the event of an accident. It’s also a legal requirement, and non-compliance can result in fines and legal issues.

Invest in Quality Parts and Fluids

When it comes to replacing parts or fluids, opting for quality over cost can save money in the long run. High-quality parts may have a higher upfront cost, but they often last longer and perform better, reducing the frequency of replacements and repairs. The same applies to fluids; using premium oil, coolant, and other essential fluids can enhance your truck’s performance and longevity.

Don’t Skip Routine Oil Changes

Oil changes are a basic yet crucial maintenance task. Regular oil changes keep the engine running smoothly and efficiently. Skipping oil changes can lead to engine wear and tear, decreasing performance and potentially causing engine failure. Follow the manufacturer’s recommended oil change intervals to ensure your truck’s engine remains in top condition.

Monitor Tire Health

Tires are a significant safety component of any truck. Regularly check for proper inflation, tread wear, and alignment. Underinflated or worn tires can reduce fuel efficiency and increase the risk of blowouts, which can be dangerous and costly. Rotating your tires and ensuring they are balanced can also extend their lifespan and improve the overall performance of your truck.

Keep an Eye on the Cooling System

The cooling system plays a vital role in preventing your truck’s engine from overheating. Regularly check the coolant levels and inspect hoses and the radiator for leaks or damage. Flushing the cooling system and replacing the coolant as per the manufacturer’s recommendations can prevent overheating and costly repairs.

Budget for Unexpected Repairs

Despite the best maintenance efforts, unexpected repairs can still occur. Setting aside a budget for such repairs can reduce the financial strain when something goes wrong. Having a dedicated maintenance and repair fund ensures you can address issues promptly without compromising your financial stability.

Leverage Professional Services

While DIY maintenance can save money, certain tasks are best left to professionals. Professional mechanics have the expertise and tools to perform thorough inspections and repairs. They can also identify issues that might not be apparent to an untrained eye, ensuring your truck remains in optimal condition.

Wise spending on truck maintenance involves a combination of regular inspections, preventive maintenance, and quality parts. By adhering to maintenance schedules, complying with insurance requirements, and investing in professional services, you can ensure your truck remains reliable and safe on the road. Proper maintenance not only enhances performance and safety but also provides peace of mind and long-term savings for the nearly 3.5 million truck drivers in the U.S.