Save Money At Summer Camp
Camp is as important as school in a child's development. Through activities and play, children learn a wide range of skills and develop physically, emotionally, socially, and intellectually. Children learn by doing, living, and experiencing things for themselves with out parental intervention. It's one thing to do things at home, but quite another to to be independent and do them for yourself.
Overnight camps can be expensive, even if the experiences are worth it. You can afford to send your child to summer camp just consider the following thoughts.Summer Camp Savings
Families that in the past have sent their children to private sleep away camps, especially on the east coast, are now looking for less expensive alternatives. Wisconsin, Minnesota and Michigan all provide summer camp with similar activities and programs at a thirty percent savings.
Another savings is to shop for alternative programs that might be similar to what you have done in the past yet less expensive. This is just a matter of shopping on the internet for price and activities. Teen Adventure Summer Camp
For other children the answer may be to leave the private summer camp programs altogether and choose a less expensive overnight camp program, such as a YMCA or a even a church program. These summer camps can save nearly 30% or more compared to the private camps.
In most local areas park districts offer some form of day summer camp. These are usually the most cost effective, however, day camps generally do not offer the same array of activities and benefits that an overnight summer camp provides.
Summer camps do have discounts and campership programs, but seldom are these programs FREE. Each summer camp decides how to run their own discount program, so it is important to ask the camp director how to become a part of their particular program and see if it will help make camp affordable for you.
The ACA (American Camp Association) recommends: * Parents should ask whether the camp participates in income-eligible subsidy programs, for instance through Title XX. * A Dependent Care Flexible Spending Account allows parents to be reimbursed on a pre-tax basis for child care or adult dependent care expenses for qualified dependents that are necessary to allow parents to work, look for work, or to attend school full time. Visit the FSA Feds Web site for more information. * In certain circumstances, day care expenses, including transportation by a care provider, may be considered dependent care services and paid with pre-tax dollars. Visit the Internal Revenue Service (IRS) for more information. * Child and Dependent Care Tax Credit: The IRS allows an income tax credit of up to $6,000 of dependent care expenses if you have two or more dependents (up to $3,000 for one dependent). The amount of the credit is based on your adjusted gross income and applies only to your federal taxes. This applies to qualifying day camp expenses as well. Visit the FSA Feds Web site for more information.
Not all camps are equal and cost is often reflected in quality of programs. Please do your research to ensure a quality experience for your child. Be sure to ask about staffing. Some camps use volunteers while others have paid staff. Look at counselor-to-camper ratios. Look in to, how many campers are sleeping in each cabin with what number of children. Are the counselors over 18? If not, be wary.
Be sure to ask the director about the actual, true total cost of the camp. This should include not only tuition, but transportation, canteen and spending money, laundry, off-site trips, and uniforms (if required). Ask the director about how much of a deposit is required and if it is refundable. When must the camp fees be paid in full? Ask about what the policy is if the family's plans change and they withdraw the child from the program before the start of camp. What if problems arise during camp and the child must come home?
Regardless of cost, you want to ensure that your child will be safe and will return home at the end of the program. One way to make sure your camp is safe is to be sure they are a member of of the American Camp Association. The ACA ensures that over 300 standards are met in their accreditation process.
Lastly, It is important to try to remember what it is like being a kid. Summers are long! The experiences at summer camp create a lifetime of memories. Many adults fondly recall their camp days. Do what you must, but don't let this summer pass your child by without a summer camp experience.
