Category Archives: family

Financial Peace Update

FPUpdate615

Were we lackadaisical or gazelle intense…you be the judge. We started Financial Peace University in June and I have decided to create accountability for our progress on line. So here is where we are on the Baby Steps.

  1. Emergency fund of $2000  This is not really an accomplishment because we have kept at least this much in savings for years.
  2. Pay off Debt
    1. beginning Balance: $5,769
    2. Current balance:
    3. Total Paid Toward Debt Last Month: $179 🙁
    4. Thoughts:  First off we only paid the minimum this month which is a big FAIL! Additionally, this debt is more like stupid tax, we have paid off all of our debt at least 3x and then we do the exact same thing, which is decide we are responsible enough to use a credit card and pay it off each month. Well, we aren’t and here we are again! We paid off $179  this month! 😀
    3-6 months of income in Savings – not begun 15% into a Roth –  I had been depositing $100 per month but we are putting that on hold so we can pay off the debt more quickly. College Funding  – not begun, but we have two children whose colleges are already paid for. Pay off House Early   – not truly begun….
    1. However we do add about $20 to our mortgage each month to round it off.
    2. We have switched to a biweekly mortgage payment which cuts years off of your mortgage.
    Build Wealth & Give  – not begun

    Setbacks: We

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Summer Goals for Mom

SGFM

I’m going to share my goals for the summer with you. Please keep in mind these are my goals and your goals may be very different. Try not to give yourself so many goals that you aren’t able to complete them.

Personal Spiritual Goals

  1. Recapture regular Bible Reading Time
  2. Increase prayer to 15 minutes daily dedicated time
  3. Study the Bible 15 minutes daily
  4. Memorize 24 scriptures (like the kids)

Personal Goals

  1. Create a Summer Schedule
  2. Create a summer Calendar
  3. Limit my computer time
  4. Finish one of the 4 (yes 4) books I am reading!

Physcial Health Goals

  1. Transition to Trim Healthy Mama
  2. Exercise 3x week
  3. lose 20 pounds

Home Goals

  1. Really do the Flylady plan again
  2. Paint Dining Room
  3. Paint the Hallway
  4. Paint the kitchen walls
  5. Stain Dining room table top and paint the bottom white
  6. Stain/paint all dining room chairs
  7. Stain the family room table top and paint the bottom white
  8. paint the buffet white
  9. sand and repaint the table
  10. sort at least 3 boxes

Family

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Homeschooling a Large Family Well on Budget

Homeschooling on a budget

Most homeschool families keep an eye on their homeschool budget. Homeschooling can be expensive but it does not have to be. But a bloated budget is especially dangerous for large families and the expense are multiplied through many children and small changes can become budget buster.

How to Homeschool a Family Well on a Budget

  1. Have a Plan – We should know what subjects each child we will cover and what books they will use.  Then we can determine what we have and what we need to purchase and create a curriculum spread sheet. Additionally, we can make sure we are getting the price for those books.  My ebook “Planning Your Best Homeschool Year” (free this month) discusses in detail how to get the best price on new and used homeschool books and shows you how to plan your homeschool year.
  2. Reusable Curriculum– Give priority to books and curriculum that you can easily reuse. For instance Saxon math has hard cover books that each child could use. Or perhaps like us you can use a multilevel curriculum like Mystery of History or Answers in Genesis Science . Once you have purchased these books you will never need to spend money on a history or science spine again.
  3. Buy used, Save the Difference- Try to buy as much of your curriculum as possible used. I will start looking for curriculum next month and begin to purchase it through used curriculum sites between now and August. In August, I will finally break down and order whatever I couldn’t find used new.
  4. Cheapest Isn’t Always Best – I have found that the cheapest way to homeschool isn’t always the best thing for our homeschool. For instance with some of the free curriculum I’ve found that although there is zero monetary cost,  it involves a lot of teacher preparation. So although it saves me money, it but costs me a lot of time. So just be thoughtful as you consider curriculum and consider both the impact on your wallet and your time!
  5. Once you have chosen a curriculum try to Stick with the Curriculum and avoid the curriculum carousel. Remember curriculum is a tool not a master! So before  you quit a curriculum be sure you’ve tried to use it in every way imaginable. I think sometimes we are a little to eager to try the ‘latest & greatest’ curriculum instead of sticking with the tried and true curriculum we’ve been using. That said there are times to thoughtfully  jump ship and move onto to another curriculum or return to an old curriculum we were using.

Take

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