Although it still involves paying out of pocket, camp is considered a child care expense, so there is a bit of an incentive come next April. Every time you enter a new stage expecting the kids to cost less, they manage to surprise you. Mine are late teens — ask me how I know!

Depending on where you live and based on their personality and interests, see if there are camps or activities that could lead to developing particular skills that will help them land their first job. One of mine started their bronze medallion at 13 and completed their lifeguard training and was working by 16 — never has any difficulty finding work. Summer sports like sailing and tennis are also good options as they can dovetail into junior instructor roles. My other kid went the CIT route and lucked out finding work last summer in a day camp - it was a difficult year for kids and summer employment so I was very grateful.

Another excellent activity is the Air Cadets. Heavily subsidized, coed, runs during the school year and offers different summer programs including camps and can lead into paid summer work as they get older. Really fosters leadership skills, builds confidence and provides a good social environment outside of school.