Need FREE personal finance homeschool curriculum? One of these 31 free homeschool resources should cover you (teachers + parents can use most as well!).
Every time I share a photo of my favorite homeschool personal finance curriculum on Instagram I always get a ton of questions. There really are not that many options on the market other than Dave Ramsey so I understand why everyone is curious. I was the same way before I found this curriculum.
But homeschooling can be very budget friendly!We homeschooled our 7 children on one income with a few simple strategies.1. Choose a theme for the year. It might be a history time period, or a region, but once you have a focus it’s easy to expand learning without spending a fortune.
Need FREE personal finance homeschool curriculum? One of these 31 free homeschool resources should cover you (teachers + parents can use most as well!).
Teaching personal finance to our teens doesn't have to be overwhelming or difficult. Personal Finance Lab made it SO easy!
But homeschooling can be very budget friendly!We homeschooled our 7 children on one income with a few simple strategies.1. Choose a theme for the year. It might be a history time period, or a region, but once you have a focus it’s easy to expand learning without spending a fortune.
Money 101 for Kids Lapbook Activity Pack. Hands-on activities that reinforce financial concepts. 14 mini-books, worksheets, puzzles, & more.
Overview: When you want a personal finance curriculum for high school that isn't the same outdated information you've heard before, check this one out! Note: This post sponsored by Personal Finance Illustrated® but all opinions are my own. Trying to follow a one-size-fits-all financial ideology doesn't always work. Because one size hardly ever fits all. Usually it fits a few, sometimes many, but definitely not all. And these days, personal finance is a much more complicated animal than it was even a few years ago. (Thank you, Covid-19.) How will you prepare your teen for what lies ahead? For the
6th-Grade Curriculum: Homeschool Resources for math, English, history / geography, science, typing, health, U.S. govt, literature tech and finances.
As parents we only have 18 years to teach what really matters. Before we know it, our kids will be adults who need essential soft skills to survive in this crazy world. The trouble is, teaching the soft skills needed for adulting can be difficult to simulate in a kid’s world. This is where money comes in. You can use a child’s natural desire for stuff to teach the important skills they will use daily. Healthy Adults Plan Saving money and planning how to use it teaches discipline and patience so put some money in your kid’s hands by giving him/her an allowance. But, wait…it is not that simple. Giving out money without teaching how to structure the money is nothing more than a handout. And handouts are the last thing we need to teach our children to expect. See my Apply It section on just what a plan will look like at any age. Giving your child his/her allowance should not be something undertaken lightly. You must see it from his/her perspective to understand that allowance day is like payday to a child. Forgetting to pay him/her or not having cash (yes, you must give cash early in the process so he/she will learn to visualize the inflows and outflows) will only trigger a scarcity mentality that could lead to poor choices later in life. Instead, treat the allowance activity like you would a class. And because it is a class with an intentional goal of teaching specific skills, don’t feel like you have to involve all the siblings. You can choose a certain age or ages to give an allowance in order to give the proper attention to the subject matter. Now that you are getting the picture, I am sure you are wondering how much to give. This is the big question. The amount is different for each family, but generally $.50 to $1.00 per year of age should be given weekly. For example, my 6 year old would get between $3 and $6 per week. This might sound like a lot, but in my next section I will talk about the new responsibilities your child will have with all that newfound wealth. Apply It Ages 6-9: For these younger years set up a "Save, Spend, Give" system to use on payday. Have your child divide his/her allowance into these three categories and use a visible chart to help them track towards a goal like a large toy. Age 10-13: With more activities and opportunities to spend, increase the allowance and budget complexity. Use this time to involve your child in your own home purchases so they can begin to see the way decisions are made. Age 14-17 With the increase in allowance, the budget model should reflect all that is required to pay for. You can find helpful guides on the internet. Healthy Adults are Responsible Now that your child has some money in their pocket, let him/her pay for the things he/she wants and needs. This is the perfect opportunity to practice making wise choices and learn the pain of regret. In the budget model, your child should divide his/her allowance into Spend Now, Spend Later (formerly known as savings), Emergencies and Give Away. Now, before you jump down to see what I am suggesting you have your child pay for remember this: you are not making him/her work for this money. You are giving the money as an opportunity to practice spending, saving and giving. It is a transfer of responsibility in order to teach the desired outcomes. For example, when my son repeatedly lost his water bottle, I required him to replace it using his Emergency Fun. Surprise, surprise…he never lost a water bottle again because he felt the pain of spending the money (even though it was my money all along). I know this all sounds easier than it will be in real life. Believe me, I have gone through years with my son watching him spend all of his current spending money on candy, trinkets and apps. Just be patient as the lessons of regret and discernment will come along. Remember, it is far better for your child to waste money now than it will be in his/her early twenties. And no matter what, don’t give more money when he/she has spent all that was allotted. This will only give him/her a taste of credit, and that is a lesson to avoid at all costs. Apply It Ages 6-9: For these years, the current spending should be used for things like toys and candy. While the future spending should go towards larger goals (think Lego sets) and saving for the next stage. Age 10-13: At this stage the horizons are broadening and the wants/needs are growing as well. Have him/her spend the current money on things like video games, apps, lost items, activities with friends, etc. It will be no surprise that the future spending money will be used for big ticket items like a car, insurance, college and more. Age 14-17 These are the years where the rubber meets the road. Your teen will have your allowance and will also be able to earn additional money by working outside the home. At this stage he/she can handle paying for eating out, clothes, shoes, dates, supplies and sports gear. Your teen is so close to being out on his/her own, that he/she should have as much practice as possible making and managing money while you are still close by to provide wise counsel. Healthy adults sacrifice for others I have touched on this earlier, but I want to make sure I expand a bit. Your child should be required to take a portion of his/her allowance and use it to benefit others. A generous heart is not too difficult for young children but it will become increasingly harder for your child to part with his/her money as they get older, so begin to model generosity early. I bet you were wondering when I would address the elephant in the room: chores. Just because I am against paying your child for chores, does not mean I am against chores. Far from it. Chores are a part of living in a household and should not be tied to compensation. As we model what adulthood is like, we set our kids up for disappointment if they have been raised to expect payment for keeping the house orderly. Also, I want to make a distinction: chores are those acts that are done for the entire family. Cleaning his/her room or picking up after his/herself is not a chore, it is an expectation. Sacrificing yourself for the family instills a sense of purpose and connection in a child, even if on the surface all you see is grumbling. Apply It Ages 6-9: These littler ones should not be taken lightly, there is plenty they are able (and often willing) to do: set/clear the table, gather up the trash and vacuum are just a few examples. Age 10-13: This is the sweet spot for chores because they are old enough to make a significant difference in the house but still young enough to be fairly sweet about it! For this age, the sky is the limit: laundry, dishes, cooking, etc. Age 14-17 Things start to get a little dicey with this group because the school work and attitude can both be very legitimate barriers to assigning too much work. For this reason, I tend to lay off this group a little when it comes to housework and instead require them to work outside the home to earn additional money and learn how to navigate the working world. Some final words If you are not teaching them to be fiscally responsible, they will end up back on your doorstep with their hands out... According to NerdWallet.com in an article entitled Supporting Adult Kids May Cost Parents $227K in Retirement: “Many parents of children 18 and older are paying or have paid for their adult children’s basic living costs, including groceries (56%), health insurance (40%) and rent or housing outside the family home (21%). Some parents are also covering or have covered their adult child’s cell phone bill (39%) and car insurance (34%).” This is not how you were meant to spend your Golden Years. So, let me encourage you to use these 18 years wisely and teach your child what he/she needs to know to be a responsible and ready adult. You’ve got this! Warmly, Charla, Artisan of Adulting Ps- If you would like a handy reference chart to guide you in the area of allowance and responsibility by age, click here: https://beyond-personal-finance.mykajabi.com/pl/265568 FREEBIE ALERT! Pick up your reference guide here! Enter to win all the giveaways on the Homeschooling Upper Grades landing page! You may also like... ************************************** Charla McKinley graduated from the University of Texas with a degree in Finance. She went on to become a Certified Public Accountant with over 25 years working in both the corporate and private sector. While homeschooling her two children, Charla was inspired to write an interactive personal finance curriculum (www.bpfclass.com) that opens the student's eyes to the high costs of being an adult. After retiring from homeschooling, Charla continues to teach teens live in Raleigh, NC and across the country using her Beyond Personal Finance curriculum. Charla’s passion is teaching teens that their choices matter. She is a firm believer that in order to prepare teens for the road ahead they must be given the opportunity to practice making good (and not so good) choices using real dollars before they get out into the world and have real regrets. Subscribe to Charla’s weekly content to get more practical and powerful tips on raising adults at www.artisanofadulting.com
Hello Everyone! I know! It has been a long time since my last post. I have had so much family stuff going on that I have been absolutely c...
But homeschooling can be very budget friendly!We homeschooled our 7 children on one income with a few simple strategies.1. Choose a theme for the year. It might be a history time period, or a region, but once you have a focus it’s easy to expand learning without spending a fortune.
“Are there any tax breaks for homeschoolers?” Carol Topp, the Homeschool CPA, answers this question in the blog post.
Freedom Homeschooling lists free homeschool electives for all grades. Business, engineering, journalism, public speaking, and more!
5th-grade homeschool curriculum resources with reviews. Choose the ones that are a perfect fit for your student. Daily schedule included.
But homeschooling can be very budget friendly!We homeschooled our 7 children on one income with a few simple strategies.1. Choose a theme for the year. It might be a history time period, or a region, but once you have a focus it’s easy to expand learning without spending a fortune.
Interested in homeschooling, but have no idea how to survive on one income? Check out my best tips to save money all year long!
Explore myths and misconceptions surrounding homeschooling. From socialization to finances and lots in-between. They just aren't true!
Learn the basics of personal finance for teens. Get tips on saving, budgeting, and managing money wisely. Start making smart financial choices today!
Freedom Homeschooling lists free homeschool life skills electives for all grades. Home economics, personal finance, auto repair, and more!
With a solid foundation in money management, homeschoolers can achieve their dreams and create a bright financial future.
It's totally possible to make money homeschooling. Whether you work outside the home or are making money from home. Here are 17 ideas to get you started.
Money is a fun topic for our little learners! They see adults use it all the time, and they want to be a part of it. A newer standard, financial literacy, is a fun unit that many kids love. Let's Use this at Home This binder is perfect for any type of learning. I created
Every time I share a photo of my favorite homeschool personal finance curriculum on Instagram I always get a ton of questions. There really are not that many options on the market other than Dave Ramsey so I understand why everyone is curious. I was the same way before I found this curriculum.
Writing a check is a valuable life skill to know! Kids can learn math skills and well as life skills with these check writing worksheets.
I thought I would take a moment and share with you Top Ten Homeschool Companies. These are the companies that provide the meat of our homeschool. They are companies that I always seem to fall back on whenever I'm looking for something new to do.
Money is a fun topic for our little learners! They see adults use it all the time, and they want to be a part of it. A newer standard, financial literacy, is a fun unit that many kids love. Let's Use this at Home This binder is perfect for any type of learning. I created
Homeschool Supplies| Tips For Earning Money My first year of homeschooling we did it on a tight budget. Since my son was young and we were are a Charlotte Mason family I could get away with the library and only needed a few supplies. We could also do simple activities like "shape scavenger hunt walks" where
High School Homeschool Curriculum for the 9th-grade. Check out these core curriculum and elective resources for your teenager's freshman year of high school
Looking for a fun way to teach your child how to budget? This personal finance curriculum is practical, easy to use, and FUN!
Delight-directed learning is a lot like giving a mouse a cookie. One great learning resource always leads to another.
Take a tour through all the most popular homeschooling styles! Each method is explained in-depth, to get you started on your ideal homeschooling lifestyle.
Finally some ANSWERS! This list of questions will help you fully answer the question -- “How do I know if my homeschooled child is ready for college?”
Freedom Homeschooling lists free homeschool life skills electives for all grades. Home economics, personal finance, auto repair, and more!
Educating about personal finance for teens is one of the most important and life changing gifts that parents can give to their children. Only five states require high school students to complete a stand-alone personal finance class as a graduation requirement. PLEASE READ MY DISCLAIMER ABOUT AFFILIATE LINKS. The teen years are when most kids start caring about money- earning money, spending money, saving money. It is the perfect opportunity for us to jump in and teach important lessons about money before they have much of it. Now is the time to admit your own poor financial habits and be honest with
Are you studying the Middle Ages or Medieval/Renaissance Times in your history this year? Maybe your children are just fascinated with princesses, knights and dragons. I love finding printables to supplement what we are studying in our homeschool, or to help peak my children's interest in a specific subject.
Here's a look at the PROS and CONS of Dave Ramsey's Foundations in Personal Finance for high school homeschoolers.
'The Jelly Bean Game' is a fun way to teach kids about money. Helping kids and teens learn how to manage a budget is so important and this money management game makes it easy to understand! Hey y'all! I am so excited to share this today. I was asked to teach a lesson to teens about money and how to manage a budget recently, and I immediately knew it couldn't just be a lecture. We needed a good hands-on budgeting game that we could play, so that the kids could practice budgeting and managing money. This activity went over so
This post contains affiliate links. It is important for kids to know the basics of a health economy and to understand the different types of systems in our world. I usually assign this as a 1-semester course during 12th grade. Choose a FREE Homeschool Economics Curriculum from this list of great resources. Updated 7/31/21 Federal [...]
Well, work from home Jobs for homeschool moms are now a thing!
5th-grade homeschool curriculum resources with reviews. Choose the ones that are a perfect fit for your student. Daily schedule included.
