We’ve set a goal to pay cash for our daughter’s college education, and because I’m such a big numbers nerd, I’ve been keeping track of our costs down to the very last dollar.

Since her junior year is now in the books, it’s time for a update.

The Exact Breakdown

Tuition/Room & Board/Books: $10,143

  • Tuition = $3059*
  • Room = $2950
  • Board (Meal Plan) = $3800
  • Books = $334

*After scholarships

Fees: $1328

  • Required Campus Fees = $888
  • Technology Fees = $290
  • Sports Combo Pass = $150

Sorority: $2465

  • Dues & House Maintenance: $1032
  • Moms/Dads Weekends, Flowers, Musical Production = $1433

Total: $13,936

What’s Not Included:

Spending money – Lindsey is responsible for her own spending money so I don’t have costs for things like eating out, snacks, toiletries, school supplies, clothing, laundry, gas, etc.

KU

KU Dyche Hall Flickr photo courtesy of ensign_beedrill

Junior year came in $765 higher than sophomore year. Room costs were $400 lower, books were lower by almost $300, and sorority expenses were $1400 higher, so that accounted for most of the difference.

Here’s our running total for the first three years of college:

  • Freshman year: $17,435
  • Sophomore year: $13,171
  • Junior year: $13,936
  • Total: $44,542

You can see the breakdown for freshman year here and sophomore year here.

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Being a KU Orientation Assistant is a great summer job. Photo courtesy of Lindsey Mayfield

How Our Family is Paying Cash for College

We set an ambitious goal of paying for college without debt, despite the fact that we had very little saved for college going in. Here are the things that have helped us do that so far:

  • We chose The University of Kansas, an in-state school with affordable costs. KU also offers a four year tuition compact so that tuition costs are locked in for four years.
  • Lindsey earned academic scholarships, which brought the cost of tuition down even more.
  • Lindsey has worked during both the summers and the school year so that she can pay for incidentals. She’s also very frugal and a good steward of both her money and ours, which we appreciate.
  • A couple of years before Lindsey started college, I started setting aside my earnings from freelance writing/blogging into a account earmarked for her college expenses. Even though the amounts I receive are often small, faithfully saving each one and getting a slight head start has paid for a chunk of her college costs. The remainder we pay for out of our monthly cash flow.

So that’s a real-life look at one family’s first three years of college expenses. Anything surprise you? Are you saving or paying for college right now?

Note: Lindsey and I blogged for two years on the U.S. News & World Report education site. Our blog was about college from both a parent and student points of view. You can read our archived blog posts at  Twice the College Advice.

This post is part of Penny Pinching PartyWorks for Me Wednesday, and Fabulously Frugal Thursday.

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Books set in Ireland Savannah NantucketI’m drawn to books with a strong sense of place. The kinds of books where the setting plays a major role, almost like a character.

So it’s not surprising that three of my favorite authors write books that fall into this category.

Mary Kay Andrews

I first discovered Mary Kay Andrews when I was getting ready to take a trip to Savannah, Georgia. I was looking for books set in Savannah to read while I was traveling and I discovered Savannah Blues. I’ve been reading Mary Kay Andrews novels ever since.

Mary Kay is  former journalist turned Atlanta-based author. Mary Kay Andrews is a pen name; her real name is Kathy Trocheck and she writes under that name as well (a series of books about Callahan Garrity, an ex Atlanta cop turned housecleaner). The novels she writes as Mary Kay Andrews are light, fun, and have strong, sassy female main characters.

The books are set in the south, in places like North Carolina’s Outer Banks (Summer Rental), Savannah (Savannah Blues and Savannah Breeze), and small Georgia towns (The Fixer Upper and Hissy Fit).

Her newest book, Ladies Night, is being released on June 4 and the main character is a lifestyle blogger. I can’t wait to get my hands on it, for obvious reasons. :)

Elin Hilderbrand

Elin Hilderbrand is a writer who lives on the island of Nantucket and sets her novels there as well.

I remember that the first Elin Hilderbrand book I picked up was on a Friday afternoon, in a Walmart, on the way to Lake of the Ozarks. But I couldn’t tell you which of her books it was, because I loved it so much I read a bunch of others in quick succession.

I chose her book, The Island, as my book club pick last year and every one of our members loved it, almost without exception. And Nantucket is on my list of places to travel to, entirely because of Elin’s books.

Her next book, A Beautiful Day, comes out on June 25, and I’ve got it pre-ordered from Amazon. I’ll have to finish Ladies Night quickly so I can read this one right away too.

Maeve Binchey

Years and years ago, Tom and I rented a little Irish movie called Circle of Friends. It was charming, as you’d expect a little Irish movie to be, and full of great characters. It may have been the first movie I ever saw with Colin Firth.

I discovered that the movie was based on a book by Maeve Binchey, so I sought that book out and read it. It was the first of many, many Maeve Binchey novels to come for me.

Maeve was an Irish writer whose books were all set there. She died last year, and I just finished her last book, A Week in Winter, which almost read like a series of short stories, although all around a single location: a refurbished inn in the west of Ireland.

I’ve loved every Maeve Binchey book I’ve ever read because her characters and settings are so richly drawn. I know if I’m ever in the mood for something sweet and charming with memorable characters that I will find it in a Maeve Binchey book.

Have you read any of these authors? Do you have a favorite book set in a memorable place?

Note: This post contains my Amazon referral links. If you purchase anything from these links I will earn a small commission at no additional cost to you.

This post is part of One Project at a Time.

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Credit Cards for College Students and Young Adults

May 16, 2013

In a little less than two weeks we’ll be putting our daughter on a plan to London, where she will be studying and working a journalism internship for eight weeks. It’s such an amazing opportunity for her, but one full of lots of details and new things to learn about. One of the many things [...]

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Budget Hacks for the Home Office and Small Businesses

May 2, 2013
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The following is a guest post from Andrea Woroch. You can read more about Andrea in her bio at the end of the post. As someone who works from a home office, I am happy to have her suggestions. Another note: this post contains referral links. Please see my disclosure policy for more details. According [...]

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How Much Does Prom Cost? One Family’s Expenses

April 30, 2013
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This week CNN Money ran an article with the headline Teens (and their parents) spending hundreds on prom. In it were these figures: The average family expects to spend $1139 on prom this year (up 40% from 2011) The Northeast average is the highest at $1528 The Midwest average is the lowest at $722 Teens pay [...]

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3 Big Problems with Your Retirement Savings and What You Can Do About Them

April 25, 2013
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Did you watch “The Retirement Gamble” on Frontline Tuesday night? (If not, and if you’re interested, it’s available to watch online.) This wasn’t one of my favorite Frontline programs, but it did raise some interesting and important points. After watching it, I dug further back into the Frontline episodes and found one from 2006 – [...]

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The Retirement Gamble

April 23, 2013

One of the nerdiest things about my nerdy self is that I love documentaries. Love them. And one of the best sources for well-done documentaries is PBS’ Frontline. Tonight’s program is a new one about America’s retirement industry and how the 401(k) and IRA fees we’re being charged may be costing us years of retirement [...]

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Weekend Reading: Giveaway Winner Edition

April 20, 2013

Note: BCR, I’m having trouble reaching you through the email address you left. Could you email me through this link to get in touch? Thanks – Julie First of all, thanks to everyone who took the time to comment on the giveaway post. The comments on this one were really insightful as to how ordinary [...]

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Take a Student Loan Quiz and Enter to Win a $50 Prepaid Mastercard

April 12, 2013

I’ve written before about our goal to pay for our kids’ college without using debt. See: What Does College Cost? One Family’s First Year Expenses and One Family’s Second Year Expenses Our daughter is about to finish her junior year so we’re nearly halfway there. But since our son is still in the process of deciding where [...]

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