We just recently fully funded our emergency fund. Six months of living expences. We were putting $1000/mo into this fund. I made mention to my husband that that the $1000/mo can now go to my oldest college fund. (He is a senior.) We currently have only $4500 in this account. He informed me that it should go into our 401K which now has only 5% going into it. I know that is low and should be at 15%, but I think we need to aggressively save for college expenses. (Our second child is a sophmore.) Expenses hould run $9000/semester for college. I'm freraking out as we don't take out loans for anything. Where is the money going to come from? Son is applying for schlorships, but that's not a sure thing.

If you need more information, ask away!

I have two children starting band this year. Both decided to play the trumpet. One child is 15 and the other is 11. I looked on Craigslist and other like sites for several weeks and came up with nothing. Anyway, a friend mentioned a site to me that sells inexpensive music instruments and I ended up ordering two trumpets along with some other items. I researched this particular trumpet and it had good reviews.

At the school my youngest attends they were having a "horn drive" as they call it. A music store comes to the school to sell instruments and wow, if you can't afford it you can rent to own. Ah, no! Really???
He told his instructor that I had ordered one online and it was in transit. She asked what kind and he told her. She then said "Tell your mom those are cheap. They are not worth anything and for me to not even open the box and send it back." I cannot believe she would say this to my child! Who does she think she is? He was upset by her comment and voiced his concern over what she had said. He relayed that she wanted me to call her. I called and left a message. No call back and it's been over a week. He came home another day and said I was supposed to call her and I told him that she has my number if it's such a big concern.

Sorry about the rant, but am I overreacting?