Been reading along, been watching how this goes along ..... I think I'll just add some food for thought ...
- Your family has been through alot, I understand that
- My father died when I was in high school and I am the oldest of three
- My mom had no job so had to go out and get one
- I only needed one class to graduate so got permission to only attend 1st period then go to work
- After work I did the grocery shopping, cooking and laundry
- I was lucky that I did have a nice home, my own room and never felt less than others
- I would have given up anything I had to have my Dad back
- YOU are clearly having a difficult time with life right now, you seem lost and I feel like you need support
- NOT support from people you know but like PP said, maybe a private grieving or single parent group
- You've made a good start here, can you find such a group online if you aren't comfortable in person
- If you show even part of your feelings we see to your kids, you will transfer your anxieties on them
- For them, find a way to heal yourself
Now the Disney trip ..
- I get it for different reasons
- I never let my kids travel with other families, for a number of reasons
- I took DD friend to beach one year, no real cost to us to add her
- I took DD friend to Disney for DD Grad Trip, I figured they'd go off but they stayed with us
- She had to pay for her own park tickets and spending money, I covered the rest
- Here is where you can possibly compromise .............
- Sounds like the family really wants to take him for their DS
- Their over and above will be airfare, park ticket and dining
- Let them pay for the airfare, again it's so their DS has a friend, maybe the best for their trip
- Dining, don't worry about it but I would tell my DS to order inexpensive items, glasses of water etc
- Tell your DS that he can go with the understanding HE has to raise the money for his park tickets
- Maybe you can kick start his fund with $50 for incentive
- There is time and he's old enough
- Odd jobs, babysit, shovel snow, be creative, have him ask for cash in lieu of holiday gifts
- And tell him he has to have XXX saved before they book the plane tickets, good faith
- Never too early to teach kids how to earn, how to be an entrepreneur and how to save
- If he says he doesn't want to do the work to earn the trip, then HE decided not to go
I kudo you on seeing the importance of a college/trade school education. I hope you are impressing that importance on your children. BUT I also want to impress on you that YOU are likely going to live way beyond the time they live with you, and YOU will need savings for when you are older. If you are at a point where the "kid's savings" are putting you week-to-week with no extra savings, then I suggest you rename that "kid's savings" to "your retirement fund".
My mother could have paid for my college education, my parents had investments to do that, but when my Dad died I realized that I was not going to take what might be important for her retirement. I paid my way through college. I lived at home and commuted. I worked 40 hours a week then went to college at night. It took me 7 years. I graduated with my degree DEBT free and my Mom still had her savings.
My kids were told by middle school that while we could, we were not going to pay for Tuition. We would continue to pay for their insurance & basics and we would pay for their dorm/food for 4 years. They would have to figure out the tuition part. Guess what, they both chose in state schools (after doing the math on out of state), they both worked hard. DS saved for years working a job all through high school then worked every summer. DD maintained a grade that she had a scholarship for most her tuition all four years. DS ended up transferring to a school by home and commuted while working. He graduated with his undergrad debt free. He is now in grad school for which he got a student loan for tuition. He commutes from home, he works, he drives an 11 year old car and is debt free other than this new school loan. DD moved home and commuted her senior year to save money. DD went to grad school using up all her savings, multiple scholarships and working two jobs. She graduated with her grad with a small student loan.
My point .... your children are responsible for their own educations. Now with so many good local schools and online schools there really is no excuse for not going to college - IF YOU WANT. Living at home, studying close or online saves tons. Scholarships, apply to them all. Grades in high school matter from day one for those scholarships. Private schools often have huge amounts of scholarship money they can do as they please. Talk to your kids, set a plan in place and help them tap in to all resources. As a parent it could be the best thing you can do. Myself, my DH, my kids .... we can all be proud that we put ourselves through school. Was it easy for us, nope, none of us but I wouldn't have it any other way.
You say your DD wants to enter the military and travel. She should look into military education benefits. My kids went to a school with many classmates going to school with these funds. I know someone who put 10 years in the military, came out then went to college with military benefits. Undergrad/two masters and now has a great job.
Start teaching your younger ones that there are lots of options out there, lots of types of education and training, lots of ways to get it and pay for it. We need every person at every job to make the world work. They should pursue something that interests them and motivates them to do what they need to do. You can help them tap into all the resources but also empower them. I get you want to help financially; maybe that help is letting them live with you while attending school, you buying groceries, maybe some gas money and helping guide them through the process. Let them own their education.