You need to pick and choose and make more money, or some combination of. Go back into debt not be an option. If have to go back into debt for any of it, then you cannot afford private.
With private school, it’s not just the tuition, but all the the things the schools provides. One we looked required a new Mac book pro for grade 1, they did international trips, spectacular fields and always fund raising. We choose private Montessori school for the early years because it was tha5 much better and then went public school.
For sports and activities again it’s a choice. I personally think that every kid in Canada’s should taking hockey or skating, but only had my kids do skating. Don’t know if you are in Canada though. I sa6 that because skating parties and events are really common where I am from, it’s up there with swimming as a life skill. All other activities are just optional.
We decided that the education and achilcare were most important. So we focuse our money there. We save in other areas such eating out, cooking, travel. We also made the choice that we are intentiall6 not retiring early. Without kids, we could have retired in our forties, we are choosing to retire to When they each finish their first degree. In our case because we didn’t do private school, it freed up a lot more for activities and other savings. You had t9 decide where you want your money going.
In terms of hours at, having kids makes a big difference even 8f there is a stay at home parent. Do you want to miss all the events, what about when the6 are socks, etc. For us, we had a nann6 to help 7s with all of this. It worth it based on our incomes and hours.