I have four boys (15, 13, 8 and 4) and all are in sports.
I'm at a job that pays 100% commission that has been decreasing every year since 2022. 2024 has been really bad so far. So I feel the pain.
Definitely don't use food delivery services ever. I think that is just a total waste of money.
I work from home so I don't need before and after school care. Just pay for my 4 year old. Next year he'll be in kindergarten so that cost will be reduced. I won't have any child care costs in two years. So looking forward to that.
Helps that the only debt we have is our mortgage but man, I chose a variable over a 2% fixed rate in 2022. What a huge financial mistake. That'll cost me tens of thousands of dollars for sure.
Should be mortgage free in 9 years though. That'll make me 54 years old when I'm mortgage free. Hoping to retire at 60 so that'll give me a good 6 years to super save for retirement
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