K.T.
Wow -- what negative responses you have received. Don't listen to them. All goals are achievable with the right determination and sacrifice. My mother was a single mother and she put me through catholic 7-12 grades. And my inlaws put 3 kids through k-12 private school – and trust me none of those people made very much money. And there were lots of sacrifices. I did not have the best/coolest toys. But I do now – because of the sacrifice my mother made to help me get a great education ;-)
Now, on to your question. First, call the school. Find out what kind of aid they offer (how much, who qualifies, etc). Then ask them if they have any sort of work study program (where the kids work at the school sweeping floors, emptying trash, etc after school for reduced tuition. You may even want to go in to meet them - most schools are more willing to help a "person" find a solution instead of a computer (i.e. email). Also, ask about payment plans.
2nd – you need to take a hard look at your budget. If you don’t already know where every dollar you earn is spent, get several months of bills and sit down at the computer, open excel and start plotting. Start with your income. Then list all of your bills – home, electricity, etc. Then figure out where you spend the rest either by using your credit card receipts or thinking of how often you go out to eat etc. It may take you a couple of months of doing this to really discover where you spend your money. Then figure out what you can cut. Can you get a lower cell, phone, cable, etc bill? Call around and see if they have a cheaper plan and get rid of anything you aren’t using or can live without. If you are spending a lot on kids toys – talk to you kids about what they can give up too. Can you go out to eat less, can you use more coupons to save money. Can you buy your kids less clothes, etc. As you start freeing up money, put this into a separate account for the private school.
Now – figure out what the shortfall is, ie. – Cost of tuition – money you freed up for this – financial aid you think you can get = what you need. Then investigate how to get that. Maybe get a second job, a better paying job, ask for a raise, investigate some sort of home business, etc. It may be hard – but if this is something that you really want you may have to do things that you aren’t necessarily thrilled with.
Other things you may consider – it may be easier on you to start with one kid and add a kid every year. Many people find this easier because they can “get used” to spending the extra money. Maybe send the oldest first, or the one that would benefit the most, or simply the one that wants to go the most. Sit down with your kids and talk to them and get them on board with this family decision. You may also have to accept that you can’t do this for another year. But don’t despair – just start saving and know that you will have all your ducks in a row next year.
Ask relatives that normally give your kids toys to help pay for tuition instead. It is a lifelong gift!
Also, consider using your tax refund check (if you get one) to help ease the burden of sending this first child and then add a child each year using the same technique.
The point is you can do this. I hope this gives you some ideas of ways you can find to afford this. Just find the thing that works for you. Good luck!