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Showing posts with label Frugal. Show all posts
Showing posts with label Frugal. Show all posts

Monday, July 21, 2008

Frugal Tip for Reading Curriculum


Some people spend up to $150 a year just on Reading Curriculum and I’m not sure why. I never used a "real" Reading program beyond Phonics. Instead, we read library books.

Here are some Library Reading Lists that I like to use:

You can also look at the table of contents in reading textbooks to see what stories the text contains. Then, borrow the entire book from the library.

What We're Doing This Year:
Instead of buying an official Literature curriculum for my 10th grade son, I checked out some of the 10th grade Literature texts. I made a list of the books that were highlighted in the texts. Now, I'm going to have my son read about a chapter of each one and choose some of them to read in their entirety. He will be able to find the books at the library and online (if they are old enough). Also, I'm going to have him do some online research about the authors and find online study guide information about the books.

Tuesday, July 15, 2008

Curriculum Money Traps

Many homeschooling parents overspend, buying curriculum for the wrong reasons.

Here are some of the Money Traps concerning homeschool curriculum.

  • Buying teacher guides for the younger grades
  • Buying all of the “required” quizzes, tests, and activity pages.
  • Buying from the company that claims they give the best education.
  • Buying "impressive" curriculum even though you know that it won’t compliment your child’s learning style
  • Buying what your homeschool friends think is the best curriculum
  • Buying all your curriculum from one company, even though you would rather have Math or Science from another company
  • Duplicating what the public school is doing so that you feel like you are homeschooling correctly
  • Sticking with the same boring curriculum, even though you want to dump it and switch to another company or way of homeschooling
  • Buying without really thinking about it, because it’s September and you’re panicked that you don’t have the kids school curriculum yet.





636950: Spectrum Math, 2007 Edition, Grade 5Spectrum Math
This is my favorite low-cost math curriculum. It contains approximately 165 math worksheets. It includes: instructions for each math fundamental, pre-tests, post-tests, an answer key. We do 1 page a day and if we need more practice then we do online math games or exercises. $8.49 each.

Monday, July 7, 2008

Frugal Exercising Ideas - P.E.


It doesn’t take special P.E. curriculum or sport classes for your children to stay physically fit. Here are some frugal ways they can exercise:

  • Playground climbing equipment
  • Neighborhood softball games
  • Play group action games with friends
  • Swimming
  • Make an obstacle course
  • Do relay races.
  • Bike riding
  • Walking and running
  • Play tether ball at a school playground.
  • Jumprope and use hula hoops.
  • Watch dancing on TV and try to copy the moves.
  • Get tap dance and exercise DVDs from the library.
  • Shoot hoops at a nearby school playground.
  • Practice soccer or football
  • Church group activities and outings
  • community sports camp at a church (usually free)
  • Scouts or 4H hikes and sporting events
  • Gym day with your homeschool group
  • Participate in Awanas (they have group racing games)

Tuesday, July 1, 2008

Frugal Art Supplies and Resources


Affordable Art Supplies

Here are ways to make Art affordable:

  • Use What You Have - Get a collection of throw away items that your kids can recycle and turn into art projects.
  • Library Books - Borrow arts and crafts books from the library
  • Crafts at Church - Younger children can do craft projects at church and Vacation Bible School.
  • Craft Kits and Supplies - Your children can ask for crafty items for Christmas and Birthday gifts.
  • Computer Art - They can use programs like Paint to create their own art and graphics on the computer.
  • Basic Art Supplies - Get your .10 glue, .20 crayons, markers, and colored pencils once a year at the Walmart back to school sale. My kids know that they can’t waste their art supplies, because they won’t get any more until the next yearly sale in August.

Art at the Library

You don't need to buy art resources when there are all of these free resources at a public library:
  • Craft Books: origami, using recycled items, paper crafts, Bible story Crafts, Holiday Ideas, puppets,
  • Books about: famous artists, historical crafts, cultural crafts, folk art, historical costumes, famous museums, careers in art
  • How to: paint, knit, draw, decorate cakes, sculpt, calligraphy, computer graphics, fashion design, home redecoration, pottery, make baskets, cartooning and doodling, rubber stamp, scrapbook
  • Coffee Table Books: paintings, photographs
  • DVDs: art history, how-to-paint, art related TV shows
  • Displays of local artwork in the library
  • Kids art and craft days at the library
More of my Frugal Ideas

Friday, June 6, 2008

Free Summer Entertainment for Kids


  • Hiking Trails
  • Festivals
  • Firework Displays
  • Parades
  • Outdoor Concerts
  • Wading in Lakes, Rivers, and the Ocean
  • Park Playgrounds
  • Vacation Bible School
  • Picnics
  • Outdoor Family Get-Togethers
  • Outdoor Church Activities, Parties, and Picnics
  • Library: Real-Alouds, Story Telling, and Crafts
  • Church Run Soccer or Basketball Day Camp
  • Free Movies at Participating Theaters
  • Summer Crafts and Outdoor Activities through the Recreation and Parks Department
  • Activities and Group Sports at your town's Rec. Center
  • Volunteer in the community or at church
  • Free local attractions (check with your local visitor center)
  • Plant, Cactus, Art and Craft shows, and Karaoke at the Mall
  • Farmer's Markets
  • Swap Meets

Wednesday, June 4, 2008

Free Summer Lunches for all Kids


There are many school districts in the US that get government money to make free lunches during the summer. They distribute them through parks and schools. This is open to all children under 18. It usually starts in mid June and lasts until the end of August.

You don't have to sign up, qualify, or do anything. Your children can just show up, stand in line, and get a free lunch. Some districts serve sack lunches, and some serve hot lunches in Styrofoam containers.

Every school district that I have lived in (in 3 different states) has had this program. One year, we lived within walking distance from a lunch distribution place, so we walked there every day - ate and played in the park. Plus, I got to hang out with lots of other moms.

Here is some information about Free Summer Lunches in Oregon. and Free Summer Lunches in Maine, to give you more of an idea of how it all works. You could probably research it for your area on the Internet or maybe find out by calling your local school district.

Thursday, May 22, 2008

Free Perennial Foods - Growing Back Yearly


Tightwad Tuesday

I am a lazy gardener. Since, I don't have a rototiller and once the biting flies hatch I don't spend too long in the garden - I have figured out how to do some gardening easily.

My favorite foods to grow are the ones that were planted by the previous owner of this house and they keep coming back year after year. Plus, they grow first thing in the Spring and they grow faster than the weeds - therefore I don't have to weed around these. I told you that I was a lazy gardener.

These foods are very frugal, because they were planted once yet they produce food yearly for free.

These are the perennial foods that I look forward to every year, at my place:

  • rhubarb
  • chives
  • strawberries
  • raspberries
  • wild blackberries
I am going to plant more perennial foods, too:
  • New Zealand spinach
  • oregano
  • basil
  • thyme
  • garlic chives
  • blueberry bushes
  • dwarf apple tree
Each spring, I also plant a small18 square foot garden filled with bush beans, bush peas, lots of leaf lettuce, and a couple of tomato plants. It's small enough that I can keep up with the weeds. Since there is no need for walking rows, I can plant the entire area with seeds. This gives us lots of free lettuce for salads, plus the lettuce regrows after it has been cut. Since beans and peas grow quickly, I can get two crops out of the same area in one growing season.

This fall, I'm trying something new - Garlic. I read that you buy garlic from the grocery store and plant the individual cloves, a few weeks before the ground freezes. They grow just like your flower bulbs do. Each individual clove develops into a full garlic bulb. I've found a site that will teach you how to grow your own garlic.

Thursday, May 15, 2008

How Can I Do It Cheaper?


Tightwad Tuesday

I ask myself this question whenever I need to buy something.

How Can I Do It Cheaper?

Our challenge is to do it cheaper - whether we are fixing the car, fixing the house, getting new shoes, getting something for homeschooling, buying Christmas presents, or traveling. It's very rare that we will pay full price for something. If you look hard enough and long enough, you'll find ways to do everything for less.

Lessons - I have never paid for lessons. (Actually, I haven't had the extra money even if I wanted to.) My child can always take Karate in college, if she really wants to. We've taught our children to swim. I've thought about taking guitar lessons and then teaching my children how to play. When my husband was little, his parents bartered for piano and swimming lessons. Our church provides music classes as a ministry and they are offered for a good price. We may do this in the future.

Groceries – To save on gas, we only do our grocery shopping on the way home from church or an appointment. I like to buy what's on sale and then figure out what I'm going to make with it. I buy only the cheapest chicken (usually thighs and legs). If a recipe calls for chicken breasts, I will use the dark meat instead. I've found that baking from scratch saves money. Recipes like cocoa brownies, blondies with cocoa drizzle, zucchini spice cake, oatmeal cookies, sugar cookies, and Snickerdoodles are usually cheaper than recipes that call for chocolate chips or peanut butter. When possible, I bake with oil instead of margarine or butter. In hamburger casseroles, I usually cut down the meat from 1 lb. to 3/4 lb. If we want a treat while we're out, we'll get a box of ice cream bars from the grocery store and eat them in the park.

Services - We've saved a lot of money by prolonging services. Putting off cell phone service, long distance service, Internet service, dental insurance, insurance on a second car, and cable TV. Even if you can prolong a service for only a few months, the amount of money will be significant.

School Supplies - I get school supplies only at the Back to School Sale in August and I get just what I really need. I don't let the kids talk me into a lot of cool looking items. At the August sales: I’ve found that buying lined paper in spiral notebooks is usually cheaper than buying packs of looseleaf lined paper.

A Homeschool Book
– I check the library, look for a used copy on the Internet, or find a similar book that costs less. If I have to buy it new – I check Christianbook.com and Amazon.com first.

Homeschool Activity or Fieldtrip
– I plan a Dr. appointment or other errand for the same day of a homeschool event. That way we save gas by taking less trips to town. We only do field trips that don't cost us any money. Paying an entry fee for 1 mom and 5 kids is out of the question for us.

Thursday, May 8, 2008

Curriculum Money Saving Tips for Homeschoolers

Tightwad Tuesday

Don’t buy curriculum directly from the publisher. They usually charge the full suggested retail price.

Don’t buy a book or curriculum until you have actually looked through it. You can look through curriculum at the yearly local fair, at many Christian book stores, at the library, or set up a special get-together for the local homeschooling moms to look through each others curriculum.

Don’t buy homeschool materials until you’ve thought about them for awhile. Impulse buying wastes a lot of money.

Don’t let other people and companies talk you into buying something unless you really want it and have thought about it.

Don’t believe that you have to spend a certain amount of money in order to get a quality education. The truth is that many homeschoolers get a good college prep education for almost free.

Don’t sign up with a Homeschooling Distance Program until you have thought about all of the pros and cons. Distance schools are expensive, require that you stick to their schedule, and choose the curriculum that your child will use.

Don't be stuck on having to get a certain curriculum. For example: I had planned on buying a certain Language Arts and a certain Math workbook. However, when I found a 400 page workbook (covering Language Arts, Math, and Map Skills) for only $7 at Costco, I changed my mind. I was able to do Science, History, Geography, and Bible for free. So my basic homeschooling costs were very minimal this year.

Don't buy brand new curriculum. You can find lots of used curriculum at classified sites like:

Friday, April 25, 2008

Cut Your Family's Hair


I don't really enjoy cutting my husband's and kids' hair. I haven't ever been trained professionally, but over the years I've figured out how to do it. I keep on cutting their hair, because it saves us so much money.

$12 per haircut x 2 adults and 5 kids = $84
$84 x 3 hair cuts per year = $252 saved every year

$252 a year! That is why I continue to cut their hair.

Two of my daughters are at the preteen age and wanting fancier hair styles. So, I'll probably take them to a real hair stylist and watch very closely - so I'll be able to try it on my own next time.

If you'd like to try saving money by cutting your kids' and husband's hair, you can find out more at these links:

Haircutting - Do it Yourself (with detailed instructions)
How to Trim Your Child's Hair (with a 2 minute video)
Search through many tutorial videos at You Tube (search on "How to Haircut" or "Hair cut how to")

Friday, April 18, 2008

Cheaper Car Insurance

How to Really Save on Car Insurance

Just when I think that I can't possibly cut back on our expenses any more, I find something new that I can do. It's wonderful. After watching the commercials hundreds of times, my husband and I finally went to Geico.com to see if we could really get our car insurance for cheaper. And yes we can! The savings is really going to add up. And you can do it all through their website.

Thursday, March 6, 2008

Frugal Easter Ideas

Easter Egg Cookie Cutter
Last year, I wanted to make Egg shaped sugar cookies with the kids. However, I didn't want to have to buy an egg shaped cookie cutter. I discovered that the opening of an empty tin can shapes into an oval very easily.

Easter Gift
Since I have 5 children, we decided not to do Easter baskets. I feel that the total cost is more than I want to spend. Instead, we buy a group gift for the kids - like a DVD or game.

Easter Egg Hunt
It is our tradition to have an egg hunt on Easter. We reuse the same plastic eggs every year. Each egg gets a few pieces of candy or a coin put inside. To keep it fair, we divide up all the findings at the end of the hunt.

Easter Candy
If you want to give your kids candy for Easter here is a way that will cost less. The day after Halloween, buy some of the leftover bagged candy bars at 1/2 price and freeze them until Easter.