Ugh–I saved too much in the Dependent Daycare Account (DDA)

Note:  unlike non-academics, our DDA cycle is from September to September, not January-January.  So all childcare money must be used up by August 31st.

What happened was when I did the election, I was assuming we’d be sending DC1 to an expensive two week STEM daycamp, which would knock out 1K.  What happened instead is that this year that camp decided that they would only have a residential option, so now we’re spending even more on the residential option but we can’t use the DDA because the DDA isn’t allowed to be used for overnight camps.   Plus it looks like the bilingual daycamp we want to send DC2 to is going to at most be 2K for the entire summer, more likely it will be closer to $1650 because of that vacation they’ll be taking to Disney, which is less than we had been expecting to pay for hir.  (The museum camp we used to send DC1 to is $155/week + $50/week after care + $25/week before care, but DC1’s last year there had some problems with bad management so we are reluctant to send DC2 there given that the management hasn’t changed.  The children’s museum camp isn’t as good as the multi-lingual camp we picked out, but I think it is also more expensive.  I’d been expecting one of those or something similarly priced.)

So we’ve got somewhere between 1K and 2K excess that can only be spent on daycamp, not on overnight camp.  Most likely that means additional camps for DC1.  Unfortunately, at age 11 and going into 8th grade, DC1 has outgrown most of the regular daycamps in town.  The fun local summer camp where they do summer camp things overlaps with Disney, so that’s not happening this year (even though zie loved it last year).  Zie did the university’s math camp last year and can’t do it again this year (plus it was only $100).  Zie is doing another week-long university daycamp for a different department, but it is free(!)  Zie has done almost all of the half-day STEM camps in the area and I’m not sure they’re worth repeating, though we will check to see if the local makerspace has anything new.  There is a non-profit in the town next to ours that should have something cool zie can do (last year zie did game programming in Unity, the year before was art), but the one for hir current age range changes every year so we don’t yet know when or what it will be.  I wish places would put their schedules (and prices) up!

Maybe zie needs to do cooking classes.  That’s $175/week for a half-day camp…  It looks like there are art camps that are $200/week for a half-day camp.  Summer etiquette camp looks pretty creepy (the webpage laments how social upheaval in the 60s and 70s destroyed good manners).  Drama camp is half days at $125/week.  All of these have age 11 as the max of the age range, so DC1 would be the oldest.

Have you ever put too much in a flexible savings account?  What did you do when school was out as a kid?  If you have kids, what do they do now?

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