Showing posts with label budgeting. Show all posts
Showing posts with label budgeting. Show all posts

Monday, December 17, 2012

Dec 16 Weekly Wrap-up

How's your past week been?  Most homeschoolers here have been finishing up for the year, but we're going to push through a few more days next week before calling it quits for the Summer break.

In our homeschool ...

Maestro has made further roads into learning about physics.  He began working through Newton's laws and will continue to finish this module (10, from Apologia Physical Science) in the next week.

Mariposa's science has introduced her to nutritional labels.  Her interest in cooking will help encourage her through as we learn about reading the labels on foods, but she was rather overwhelmed with the terminology of carbohydrates, proteins and fats as each was broken down into different groups.

History is still taking us through the early American times.  We also found that our library stocked the Doctor Quinn Medicine Woman dvd series, so we've been watching some of those.  I think they'll tie in nicely to what we've been learning and the children can enjoy viewing some episodes during our break.

Maestro's been learning how to prove triangles in Geometry, while Mariposa learned a little about Pythagorus in Mathematicians are People Too.  I have a copy of What's the Angle Pythagorus, so we'll read that next week, along with some paper craft to make some 3D shapes.


Socially speaking ...

We had LOTS of things happening here this week!  As I mentioned in opening this post, many homeschoolers were finishing up at the end of this week, so we had a break up party at rollerblading on Friday afternoon.

Earlier in the week, Mariposa's friend came to stay the night, and then both girls went to horseriding on Tuesday morning.  We're going to have a repeat of that again next week.  It's been lovely to see their friendship developing and shared interests encouraged. :)

Maestro has also been planning his summer break outings with his friends.  I know one of the ideas on his list includes a trip to the cinema to see "The Hobbit" when it's released.

Then today we had a relaxing lunch with friends, with a pleasant visit to a park for a walk around the lake, play on the equipment and shooting a few basketball hoops.

At home ... 

Our back sliding door has arrived!  It was installed on Tuesday morning.  We need to stain it, but it was raining during the evenings this week and we haven't yet done it.  It's not going to be a big job, so should be finished during the week if the weather stays fine for a few days.  After that job's complete, we need to make the back steps, then the pergola can go up.

If you remember, we had to tighten our budget even further to help save up for this sliding door.  It's been going so well!  It's a bit of a pain having to write down absolutely EVERYTHING we spend and check against our weekly allowance, but the diligence is paying off.  I'm absolutely amazed at how well we can manage, and how creative we can be in the kitchen when we just have to make do.  The key has been that little envelope I keep in my purse, where I write down all the grocery spending for the week and only purchase within our limit.  We even had a couple of dollars spare this week!

We also have a broody hen; the first one for this season.  We were kindly given a dozen fertile eggs (from the horseriding instructor), so we've put eight in the nest.  We daren't put all of them under the hen as they'll be too many and we'll probably have breakages.  But we're excited! New chicks are a possibility in early January.

AND .. we found that a little nest has been occupied by a thrush.  She's been there before in October, when we first spotted her flying in to the tree to feed her three chicks. They were already quite grown when we discovered them the first time.  Mama thrush is obviously comfortable there, so has gone back for a second clutch this year.  No photos of her now, as she's nestled down tight, but we'll keep a careful eye out without disturbing her too much.  Here's a photo of October's chicks, only a couple of days before they flew the nest.



I hope you all have a great week this week!!

Until next post,

Catherine


Read more Weekly Wrap-Ups at Weird, Unsocialized Homeschoolers
and It's a Wrap at Hammock Tracks

Sunday, December 9, 2012

Dec 9 weekly wrap-up

I enjoyed filling in the calendar page this afternoon, writing in everything that happened AFTER the event.  I know! It's supposed to be the opposite way around, so I remember what's coming up.  Ah well! :)

The year's winding up and I've had several music students finish up their lessons for the year.  Most of my afternoons are freeing up, and with no more dance lessons for the children, we're enjoying a more relaxed routine.

We're also winding up with our bookwork.  Only two more weeks to go and we'll have a break over summer!

In our homeschool ...

Mariposa has finished another Singapore Maths book.  Instead of starting the next book, we're enjoying reading Mathematicians Are People Too, and learnt about Thales.  She really enjoyed the story of the donkey who didn't want to carry a heavy load across the river, and how Thales trained it to change it's behaviour.

Maestro has moved to some early Physics concepts in Apologia's Physical Science.  It's the first time he's used these formulae, but he's enjoying the change in topic.

Both of the children have worked on their spelling and improving really well.  I'd been a little lax with Maestro's spelling, but have pulled him back in with Mariposa's lessons (ie: they both work on the same list) using IEW's Phonetic Zoo.  The word list is not at all 'babyish', but based on learning the phonetic rule and recognising base words with their suffixes. Even though he is a really good speller already, I want him to keep up the practice and stay familiar with the rules. I'm so impressed with the improvement Mariposa's made with her spelling over this year (she's had to struggle with reading problems).  She's really done well with All About Spelling, and now Phonetic Zoo is challenging her that little bit more.  Here's a sample of all the words she's now able spell correctly:


This sample is from the Teacher Notes sample
found in pdf HERE.


We're still working through the same read-alouds: Johnny Tremain and Iron Peacock.  I'm hoping we'll finish these during next week.

We've also been doing some great lessons with Papa about goal setting.  I'll have to write up a separate post about that, so be sure to check that out soon.

Socially speaking ...

We enjoyed a lovely visit with a friend on Monday; ALL of Monday. It was an early morning start to make lunch up to take with us, and then we didn't get home until dinner time.

Wednesday night was coffee out with the local homeschooling mums.  I ended up chatting a lot with a lady I didn't know too well, but who shares similar ideas of growing her own produce, teaching her children sewing, cooking, building ... a lovely night spent sharing stories and ideas. :)

Then on Friday afternoon, the children went to stay overnight with friends whilst Papa and I went out.  We were given some complimentary tickets to the Melbourne Symphony Orchestra.



In the home ...

It's been about the cherries!  I worked my way through all of them very carefully, so they're all washed, picked and now bottled (if not yet eaten fresh!)  The cherry pie made during the week was such a success that I've had to promise to make it again soon. Seven jars of cherries are now cooling off as we speak, and I can hear the random 'click' of the seal taking hold in the lids.



Our tighter budget was a success with our grocery shopping.  During the week I came across a great blog called The Fun, Cheap or Free Queen.  She has a very simple, workable idea for tracking spending weekly.  It was most helpful, so I hope to make it a success through the rest of the month.


You will also notice, if you've visited here before, that I've been playing with my blog page (again!).  I want to fix the header up some more, but that'll be when I get some time to figure it all out.

Hoping you all have a wonderful week ahead!

Until next post,

Catherine


Read more Weekly Wrap-Ups at Weird, Unsocialized Homeschoolers
and It's a Wrap at Hammock Tracks

Friday, November 23, 2012

Budgeting for home improvements

This week we've been thinking over our budget again. You probably noticed that from my last post about the economics of keeping hens! (smiles!)

Last night Papa and I sat down for an early 'end of month' meeting.  We started having these meetings as we approached the new financial year, and it's been great to share the responsibility.  Isn't it funny how a couple can look at the whole budgeting picture differently, though?  I like to make sure I go through the budget at least once a week, tallying everything spent and checking we're keeping to our monthly limit. Everything is set out on the computer in Excel.  Papa likes to see the whole total for the year mapped out per category and deduct the amount spent in an account book.  We both have a laugh at how the other works it out ... but it still works out, and we both know what's going on rather only one of us keeping an eye on the family finances.

Our early meeting last night was to give us an idea of how much we could spend on more home maintenance projects.  The back pergola is coming along.  Papa's using the poles and beams we moved to make a semi detached pergola to the back of the house (ie: the pergola will go up freestanding, but with brackets attaching it securely to the wall).  However, before it finally goes up, we need to replace the back window with a sliding door.


The sliding door ... is going to be costly. Sigh!  There's no way around it.  We can't buy anything pre-made due to the dimensions, so we've had someone come to measure it up and give us a quote for a 'made-to-measure' door.

What are we doing to get that extra amount together?  Well, we've had a few options.  The first was to cut our spending.

  • I'm being more diligent with our fortnightly menu planning and shopping.  It's meant we have to be creative, but it works.  We've pulled the budget back and using more unprocessed foods (ie: cooking from scratch), which has already given me another $300/month from the usual amount spent.  Take away meals have been completely ruled out!  The children have been challenged to help make the meals as interesting as possible, so home-made pizzas, baked chips, frozen fruit and yoghurt 'ice cream' are on the menu a few times.


  • We're also being very strict with car trips.  Checking out the prices at the pump and trying to anticipate the next price rise is tricky, but we've managed to get it a few times before the 16 cent price rise.  Dear me!  Buying petrol is like buying shares these days!  Once filled, we have to make it last as long as possible. 
  • I took advantage of a second-hand curriculum sale yesterday.  Calculating that I did have to travel in the car to get there, with road tolls, made the decision to do this a little risky.  I could hope to break even at best, but it ended up we came out ahead.  We moved a heap of things from the bookshelf and only brought back a fraction of what I took.  Well worth it!
  • Finallly, we're carefully considering all the educational costs we plan for next year.  We'll have to cut back on the more expensive excursions (except those already paid for).  It's true, I do allow a fair bit of money toward the children's education, and I don't regret it at all. It's still a LOT less than private schooling.  Most of it's been on books though, and I think we're pretty much set up for the next few years bar Maestro's new math books for next year.  So, we're being a bit brutal and aiming to cut costs by 1/3 for 2013.  This is the only way we can pull a bulk of our savings in to account for the purchase of that back sliding door.
Well, that's the plan.  If anyone has other suggestions on cutting a tight budget back, I'd love to hear from you!

I'll leave you all with this great article I read just recently, called "The Simpler Way" (downloaded as pdf at that link).  It was recommended on Rhonda's blog: Down to Earth.  It's a great read, with food for thought on what we choose to spend our money on, and HEAPS of tips about simpler living.  (Follow Rhonda's link: A Simpler Way to a Greener Future).

Until next post!

Catherine

Monday, May 28, 2012

Opening our children's eyes to consumerism

Teaching our children about how marketing works can start at a young age, especially as it's the young who are often targeted.  But immaturity does make the emotional reasoning difficult to control, so consistent education about how it works is necessary through to adulthood.

The very young and their mothers are 'set up' so that products will be bought because of nagging and/or tantrums, and those who are setting up the market will admit to this tactic.  From there we see the learned behaviour of satisfying wants with unnecessary consumerism escalate right through the age brackets, and more deliberate targeting to those audiences, right through to setting up levels of socio-economic status quos.

How do we then teach our children the real difference between a real NEED and a want?  How can they see through the perceived bargains and look for quality and the true cost of items?  How can our children outsmart the system?

There are many places you can start, but I remember deliberately starting by asking my children to help with the shopping.  They had a shopping list (not too long, about six items) and they needed to find the items on the shelves themselves.  Then, they were asked to find the prices of the different brands, and tell me on which shelf the most expensive and least expensive was placed.  If they could write the prices down, they did.  Sometimes we had to calculate the better deal when there were different weight options; is it better to buy 2kg or 500g to save money in the long run?   Even now, my children know that when they help me with the shopping, I expect a good reason why they chose a particular brand, not just grabbing the first one they could see.

Then, a good look at advertising on the television, radio, magazines (if you buy them) or catalogues (junk mail) is another really good eye-opener.  If you turn the sound off and watch a tv commercial, can you guess what they are trying to sell to you? Are they telling you (body language) that their product is going to make you smart, have fun, look pretty/handsome?

One thing is for certain: you can very easily find a teaching point at almost any venue when it comes to marketing.  Being armed with some knowledge and the time to slowly figure things out (instead of rushing into any purchasing) is necessary.

I've been very thankful for some documentaries which have been on television.  Now that Maestro is 13, we're allowing him to watch one that is currently viewing on Thursday evenings, called Secrets of the Superbrands.  It is on late, so we've recorded it and then watched it together later, discussing key points.  Due to some more sensitive topics, we'll not watch all of this with Mariposa (age10) until she's a little older.

After that series finishes, I think it would be worth us having a look at The Corporation.  I'd first seen this on tv, but then borrowed it again from the library.  The 'Behind the Scenes' interviews were huge eye-openers, as this is where marketers admitted to appealing to a nagging child to make a sale.  Our children need to hear that this is how they are trying to make their money, so they can be wise enough to not be outdone and lose theirs.

Then there's a book entitled Affluenza, which I had borrowed some time back and wouldn't mind reading again.  The focus is on Australia's addiction to over-consumerism, the acquiring of so much that ends up being thrown out, and discusses what the real meaning of choice is.

We want our children to be wise about this subject, so that they are in control as opposed to being controlled.  If you know of other great documentaries or books on this subject, please do share!  We're including these sorts of studies in our work with regard to media studies and economics.

To finish up, I'll share a song that one of my older singing students is learning.  She's asked to perform it at a competition in July, and when I read the lyrics I could see why the satire appealed to her.  It's on a bit of a tangent to what I've been discussing, but it's certainly a symptom we're all familiar with.  I hope you enjoy it!



The trouble with the world today, it seems to me,
Is coffee in a cardboard cup.
The trouble with the affluent society
Is coffee in a cardboard cup.
No one's ever casual and nonchalant,
No one waits a minute in a restaurant,
No one wants a waitress passing pleasantries
Like "How're you, Miss?"
"How're you, Sir?"
"May I take your order please?"
The trouble with the world today is plain to see,
Is everything is hurry up.
It's rush it through, and don't be slow,
And BLT on rye to go,
With coffee (I think she said)
Coffee (I know she said)
Coffee in a cardboard cup.

The trouble with the helter-skelter life we lead
Is coffee in a cardboard cup.
The trouble, the psychologists have all agreed,
Is coffee in a cardboard cup.
Tell me, what could possibly be drearier
Than seafood from the Belnord cafeteria?
Seems to me a gentleman would much prefer
"Afternoon!"
"How've you been?"
"Would you like the special, sir?"
The trouble with the world today is plain to see,
Is everything is hurry up.
There's ready-wear, and instant tea,
And minute rice, and my oh me,
There's coffee (I think she said)
Coffee (I know she said)
Coffee in a cardboard cup.

The trouble with the world today, beyond a doubt,
Is coffee in a cardboard cup.
The trouble is the way we like to take things out,
Like coffee in a cardboard cup.
No one knows the meaning of utopia
Is dining at the corner cornucopia,
Seems to me we wouldn't be such nervous wrecks
With "Hello, there!"
"Be right back!"
"Would you care for separate checks?"
The trouble with the world today is plain to see,
Is everything is hurry up.
It's all become looney tunes
With sugar packs and plastic spoons
And coffee (I think she said)
Coffee (I know she said)
Coffee (I'm sure she said)
Coffee (She must have said)
Coffee in a cardboard cup.

Thank you for dropping by!

Sunday, May 15, 2011

Savings workshop

Several months have passed since I was first told about the Saver Plus program offered via the ANZ bank (Australia). Well, I FINALLY got in touch with them and have now been signed up for a month.

The program is actually run by the Brotherhood of St Lawrence, and involves a couple of 2 hours sessions on money management. A small group of us got together to discuss general budgeting ideas and share ideas or products that may not have been previously known. We had some fun, and shared lots of interesting pointers. I think the best I came away with was that reading up on Money magazine c/- of the library is worth some time. There are plenty of recent updates about new savings plans with banks, the best phone deals, etc.

We had fun deciding on 'NEEDS' vs 'WANTS'. As everyone's family situation is different, how we categorised differed to some extent. I also learnt that my 'savings personality' was more the 'Penny Pinching' kind. I guess that's something you learn, as I know my mother was like that, and I have other siblings who are very similar.

Thankfully, though, I was able to share one tip that was seen as very helpful. It something I've shared before, and know that many other bloggers do also. It's all about knowing what's in your pantry and fridge/freezer, then menu planning so as to control the spending in the supermarket.

Once a month we try to have a minimum spending week. I go through the pantry and fridge/freezer and list what we DO have in stock. Then I try to create a menu to fit around those food items, making everything stretch as much as possible so as to avoid another shop that week. It always surprises me what I'd forgotten about, like a few pieces of puff pastry in the freezer, or a can of mixed beans and a packet of sago in the pantry.

I also had a nice big piece of beef rump I'd bought at an excellent price. I cut into some smaller pieces: 8 medium sized 'steaks', a decent amount for a beef & mushroom stirfry, and the remaining piece for a hearty beef & barely casserole.


MMMmmm! That casserole was good. So good that the children asked if I could make it again sometime (which I will). Here's how I cooked it:

A small piece of beef rump (around 300g).
Put into a stock pot (or crockpot) and pour over boiled water from the kettle (this sears it, minimising scum and avoiding having to seal the meat with oil).
Add a collection of diced vegetables (not the potatoes yet), 3 tablespoons of tomato paste, a beef bullion and 1 cup of pearl barley. Make sure all is well covered with enough water.
Leave it to slowly cook away on a low heat (or crockpot set on 'high').
Check meat after several hours to check tenderness. I then removed it and diced it up, but you could just shred it if desired.
Add in 2 diced potatoes. When potatoes are cooked, serve.

I served these with some pastry pieces.
2 pieces of puff pastry. Sprinkle one piece with some grated cheese. Place 2nd piece of pastry over the top. Cut into equal portions.
Lay on baking tray and sprinkle with sesame seeds, then bake for 20mins, or until golden brown.


Getting back to the Saver Plus program, check the ANZ site HERE to see if you qualify. The current program was going to be ending some time soon. I am not sure of another launch date at this stage, but enquiries will probably inform you of any updates.

Sunday, March 13, 2011

River Cottage inspiration

I'm forever thankful that our library stocks so many wonderful resources. A recent wandering along the dvd shelves helped me find a new dvd called "River Cottage: Spring and Autumn". The censorship of M because of language had me a little concerned, so I started watching this once the children went bed.


Well, it didn't take long before I realised that this was actually a great dvd to share with the family. The M rating is a precaution about some 'slang' used occassionally (yes, a bit of bad language) and about showing some animals being slaughtered, but there was ample warning given to 'look away' before seeing anything.

The dvd series starts with Hugh Fearnley-Whittingstall helping a group of families in England's suburbia start up a community garden. This was lovely to see, and is a continued theme throughout all 4 dvds. The families learn to grow their own vegetables, then raise pigs, chickens and milking goats .. all in smooth transition, so nothing is too overwhelming.

Foraging is another theme that runs throughout, and part which we really enjoyed. It was just after seeing Hugh collect gooseberries that Mariposa and I decided to go berry picking the other week. Since then, we discovered that an apple tree is growing on the side of a main road near us, which was being foraged by another family. We may go back and see if any fruit's left on it, although we really do have enough apples from our own tree to keep us in supply for some months.

Now, what I learnt the most in watching this was in the apprentice butchering sessions. I know that we don't have any of our own livestock, but for frugal reasons alone, I think this is a skill worth having. So, I sought a copy of the River Cottage meat book to borrow. It didn't have all the 'hands on' information I was after. However, the opening pages have already taught me a lot about the importance of properly hung meat, the aging process of meat, and how supermarket packaging is more about keeping the water in for weight, destroying the integrity of the meat in the meantime. Of course, lots of lovely recipes fill the bulk of this book, but I'm still looking for more relevant information.

The next book I sought out, from a different library, looks to have more of the information I'm after: Basic Butchering of Livestock and Game. I've also added this to my Book Depository wishlist: The Butcher's Guide to Well-Raised Meat.  So, I've got my homework set out for me again.

It's coming up to that time of the year when we usually order a whole lamb from the butcher. We'll be chosing butchers very carefully now, and maybe even asking for the lamb to be pre-cut only into manageable sizes so we can have a go at finishing off the rest ... maybe?! It'll certainly be something worthwhile doing at some stage, and letting the children learn along with us.

Tuesday, August 24, 2010

Weighing in the costs of homeschooling, literally

I admit, I haven't been asked this question too often lately: "Doesn't homeschooling cost more money than sending (junior) to public school?" It certainly was a topic discussed with friends in our early homeschooling years, so I must have answered it pretty well to not warrant any further investigations.

Actually, how DO you answer that question? There are so many choices as to how you homeschool that will determine where the literal dollar is invested. Most homeschooling families are only on one wage, so a careful analysis of the home budget is something that will need your time.

All government subsides aside, lets take a raw look at those things that you need to consider. What are the basics you are going to need?

I think it would be pretty obvious that a basic set of stationery would be a need. The items you choose can be as simple as a pencil case with a couple of lead pencils, a pen, eraser, sharpener, ruler, and coloured pencils should get you started. Then there would be the paper, lined and/or unlined, coloured project paper, maybe an exercise book, or a binder for the loose pages.

I kept our earliest stationery costs to a minimum by purchasing a craft pack from Homeschooling Supplies. It was designed to have all the required bits and bobs a 4-7yr old would need to get the phonic craft projects done, with some to spare. Purchasing a pack like this was certainly a lot cheaper than having to buy bulk packs of paper, glitter, special cards, etc. In fact, I've gone back and purchased those packs independently of the phonics books so that we had that 'minimum' array of stationery and craft materials on a rainy day. (Look up "Phonics - Kit Parts" and you'll see two art packs available.)

Our stationery 'wants' have also played a part in our expenses, especially as the children grew older. Some of these items were small whiteboards per child, with the accompanying markers. I also bought a comb binder for our book making. It's been very handy for me in binding up all those free books I get online, too. Finally, I also bought a laminator.  From this I've made up my own flashcards, calendar for the children to practice 'making' the date, protected reusable pages such as the handwriting guide and number board (yes .. a future post here), and some games I've made up.

Okay, so we're set up with stationery, but we still need to teach our children. From what do we teach? "Well, books!" I hear most of you say. Choosing a curriculum can be daunting when you start out, so just start slowly. I think if you can get hold of some good fiction and junior non-fiction from the library, you can have literacy, copywork/handwriting if you take sections of what you or the child is reading each day. Better still, you can use that selected piece for copywork to highlight some pointers on grammar too.

Maths is one subject that will most likely be a first priority as far as looking for a text, unless this is a talent you have and you can adequately break the learning into smaller steps quite easily. Don't underestimate the library again, here. For the junior years, there are copious books written on counting, sorting, ordering, etc. If living books are your choice, then don't overlook the Living Math site for lesson plan ideas and their wonderful list of books per learning area.

Math manipulatives can be quite simple in the beginning. I kept small tubs of bottle tops, pegs, buttons and a number board I printed off showing the groupings in tens (from 0-99). A set of cuisenaire rods and base ten blocks weren't purchased until we were doing groupings (around grade 2).

The other subject areas could be done through library books also, that is to select a theme and then write up some of the highlights learnt, in the form of a unit study. Science, history and geography can all be done that way.

But what if you are looking for an actual curriculum? Why do people like myself choose a more expensive program like Sonlight?

Well, for starters we homeschooled with the basics as I've described above. Unfortunately I didn't blog about our homeschool happenings then, but yes, that's what we did. Then I purchased some very basic books from Homeschooling Supplies. These assured me that we were 'covering our bases' and it was my real first point of contact with another homeschooling family (yes, we started out not knowing any other homeschoolers, but that's another story.)

As my circle of homeschooling friends and knowledge increased, we began to realise there was a whole other world out there. There actually were books for homeschoolers, and in many different flavours for learning styles. Okay, I'm going on a bit of a tangent here, but that really was a factor that began to influence where the money got spent. This was where we had to do some serious budgeting, because over the course of the next few years the question WE were having to ask ourselves really was "Will homeschooling now become the more expensive option?"

We liked the literature that Sonlight offered, but knew that most of the books weren't available in our Australian libraries. We'd have to buy them, somehow. We had to budget carefully after doing research on purchasing and resale values.

I highly recommend the following points in planning your homeschool budget:

- Keep a list of books or courses that you find may be of interest.

- If you can arrange it, meet with others who can show you some of what they are using. The homeschool forums are great for this. Ask questions! Meet new people and you'll most likely find that many will be most willing to share.

- When you're quite adamant about the books you'd like to use, shop around. I keep an Excel spreadsheet of suppliers and do cost comparisons. Some places I like to check out regularly are Book Depository and Christianbook (check their 'Homeschooling' page often for weekly or monthly specials). If you're after a really good price comparison on new books, then Booko is worth checking out (for those buying in Australia primarily). It compares Fishpond, Amazon and many others. Realise, though, that it's not an exhaustive list of suppliers.

- Then contemplate how many of those things can you source secondhand, on loan from a friend, or even better, for free? Op shops often have a very high turnover of educational books, so ask if they can hold an encyclopedia set, or music books, for you. Libraries usually need to turn over their stock, too, and we've acquired many free books from the librarian who is looking to give them a new home. Again, too, don't overlook asking for "Wanted to Buy/Borrow" through the TRP homeschool forum, or check the list of classifieds on AHS Classifieds. You may also choose to sell on any books you've already decided you no longer need, for no advertising cost on either of these sites.

In my left sidebar there are lists with links to homeschooling forums, homeschooling links and sites offering teachers helps and ideas (many of which are free). I update this if anything in particular does grab my attention (remember ... I use my blog as a bit of a reference tool too, so if I want to find something later, it'll be there!)

One thing I haven't yet mentioned are those 'extra curricula' activities. We have dancing and music lessons. I know this an extra expense, but I've put the income I receive from helping to make the dance costumes and my singing students into the picture here. If your family does do a sport or another hobby, this needs to be considered also.

Well, I don't know if I answered the question of price comparisons, really. I don't know if I can give a blunt 'yes' or 'no' as there are so many factors involved. To do an absolute comparison, you would need to find out the fees a school is charging, the number of excursions in which they participate/cost, uniforms and shoes, and any other supplies that may be needed for your child.  You won't need to sell your books for each child so as to acquire the latest edition, either. What I can say is that homeschooling can be tailored to fit into your budget quite well. It doesn't NOT have to cost that much, without compromising on what you will help your child learn. Making use of the free resources around you first is a good way to start, especially if you're trying to find your feet. It's most likely that you'll be investing time researching either way, which is absolutely the best way to go before spending.

If you'd like to read input from others who are sharing their advice on the cost of homeschooling, jump on over to the Homeschool Blog Cruise.





Monday, August 2, 2010

House Account Monthly - August



I've decided to join a monthly meme at The Legacy of Home called Meme for Prudent Homemakers. I'll share bits of our budgeting experiences plus any tips/lessons learnt along the way.

1. Did you record all your spending this month?
Yes, I do this at the beginning of each week as a matter of habit.

2. What are your goals for keeping a ledger?
Ultimately we want to be debt free. That is no mortgage, no loans. We've always been very careful, but it's too easy to 'guess' we're okay then find later we're not. It's so much better to be accountable, therefore 'mind your account'!
This is an example we're teaching our children, also.

3. Do you have a success story to share?
Actually, this month I do. ☺ I divide our monthly allowance into fortnightly amounts. This is due to the fact that the pay comes in then, and it was a way of tracking smaller goals.
Well, I'm happy to say that we were almost $100 UNDER for our food budget after doing the minimal shopping week challenge last week. We're also just under for the other consumables (petrol, pet food, etc.)

On top of this, the annual home insurance was due. Ouch, that's always a lot of money, but a prerequisite of the mortgage agreement. Hubby decided to phone the company and ask if there were any benefits to being a customer with them for 15 years. Yes there were, AND there was another special going as well. So another $200+ saved thanks to one phone call.

4. (Optional) How are your children doing with this? Any cute sayings from them, or progress in their financial education?
The tax return cheque arrived today, so it was a perfect opportunity to show the children how to take it to the bank and fill in the paperwork.

5. Any helpful resources you've found? (such as a website, link to an article, or book)
To be honest, I hadn't really been looking for any last month.

6. Were you able to put aside some savings this month?
Yes!

7. Comments or Thoughts?
We watched a couple more episodes of "Gourmet Farmer" last night. There is an episode where he decides to sell at the local market with a friend, so puts in an enormous amount of work for seemingly so little return.
It was interesting to talk about how we, as a family, spend a lot of time doing certain jobs, especially food preparations, that do take a lot of time. However, the experience in the skills developed, the quality of food, savings made by only purchasing basic ingredients and the social interaction make this so much more valuable than any price you'd pay in a supermarket or restaurant.

Monday, June 28, 2010

Family accounting review


We're only a couple of days away from the end of this financial year. Our attempts to be very diligent to our budget have been, in the main, successful. Well, up until today when the car broke down and hubby had to get a tow back home, then another tow to the mechanic. Grr!  Well, what can you do? Try your best and aspire to manage your assets as frugally as possible.

I've stuck to my system of budgeting as per last year's post (see HERE) and it's worked really, really well.  A weekly collection of all the receipts and an hour spent working the tallies has payed off to us being ready to face the tax man promptly and quite organised.

All our educational expenses have been listed and categorised into claimable and unclaimable items.  You can check your eligibility and requirements for the education rebate on the government's tax site.

Now, here's something else available to Australians, in particular those with a Health Care Card.  ANZ have a scheme whereby you can 'double your money'.  A friend was telling me about this, but we're yet to follow through ... it's on this week's "To Do" list.  There are, of course, a list of prerequisites, but the money ANZ gives to match the maximum you can save each month can be used toward education expenses.   The scheme is called ANZ - Saver Plus.  Worth a look!!!

I'm almost done setting up next financial year's record keeping.  Only a few minor adjustments have to be made to the excel spreadsheets and I want to get my 'wish list' all ready for the next lot of Sonlight purchases.  MMmmmm - more books, lol!  But yes, we do have enough to keep us going for at least another 3 months.

Sunday, July 5, 2009

A new financial year ~ budgeting

In response to Rhonda's Biggest Kitchen Table Home Audit, I thought I'd share my annual routine of setting up our budget. It's a bit of a job setting it up the first time, but after that I found it runs quite smoothly.

Rhonda actually gives a great detailed explanation of how to set money aside in plastic envelopes, which is a method we used in our early years of marriage. We very much wanted to buy our own home as soon as possible, so we used this method to live on only one wage and save the other (mine).

We decided we needed to save at least 20% of the home value, no matter what the banks said we could borrow (as they're always willing to give more). It took 2 years and then we found our home, and we're still here! :)

Once we had the mortgage, some of our budgeting methods changed a little. This was because we wanted to make optimum use of the banking system, but still needed to be in control. A credit card came into our possession for the first time and that made me nervous. So - I track EVERYTHING! Yep, I'm pedantic at collecting receipts and writing up spreadsheets on my Excel program. Why use the credit card? We make the most of using the reward points to acquire free vouchers we can use toward purchases. If it weren't for around $200 or more of freebies a year, we'd still be using cash for everything.

The first thing I do at the beginning of the financial year is to grab 14 C4 envelopes. 12 of them are labelled July through to June for that financial year. I then mark one for all medical expenses (as we have chiropractic, dental, optometrist and medicines ), and finally one for our educational expenses as we can now claim them too.



All receipts go into these envelopes for the year, but before they disappear there, I update a tally sheet created on Excel.

This is a print-out version, without all of our details typed in. (Click on the image to see a full-sized view). If you're familiar with Excel, then what I've handwritten in as "Jul '09" would actually appear on the tab. So, I'd have 12 copies of this particular page:



I like using this as I can keep track of all bills and when to expect them. After having kept records like this for some years now, I have an idea of what % the rates will increase, so I take the previous year's totals, divide them per month and then allow the extra to make the $value in the first column (A).

Column (B) is then filled with the actual amount spent/due.

The due date is also recorded for future tracking where relevant.

The final column is the accrued amount. This should always be in the positive. Ie: = (A) - (B). ** You will need to add an actual accrued amount from the previous year when you begin July, as not all bills come in during June. Therefore, my Water Rates may actually look like this in the final column (July only):

Water Rates $50 $180 18/7/09 (=$150+A-B) where the $150 is the balance in accrued from last year.
For the following months, you'd enter (=(accrued amount previous month)+A-B).

On the 13th sheet for the Excel pages, I have an annual tally. This I've linked to all the other figures so it quite literally fills itself throughout the year. So, to copy the amount of the Water Rates in the July column I've entered, I would enter "=" and then click the box in the Actual column on the page "July, Water Rates" so it automatically copies it over. ** There should be a tutorial on your Excel program which explains copying between sheets for calculations.



The yellow columns are quite straightforward. There's an annual total per item, followed by the monthly allowance (ie: divided by 12) to help in calculating next year's budget.

You will note that I've written that the annual spending must be less than the annual income. I usually play with a mock-version to see how much we can save each year and put toward renovating the house (a real, but very slow project).

Most of the categorising and ideas for helping with these spreadsheets were inspired by Anita Bell. Her book called Your Mortgage ... was most inspiring, so after borrowing it several times from the library I was quite pleased to have found a copy at the local op shop. :)

Well, that's a very brief summary, but it may be helpful to some, perhaps giving more ideas ... or maybe you can share some of your ideas with me!!

Tuesday, June 23, 2009

Price book ~ it's coming together

Procrasting no longer, I've finally sat down today whilst the children were working and finished putting my new price book together.

I picked up another little notebook from the supermarket. This blue one I have in my handbag as is (although I may also pretty this up later) because I'm finding keeping all my notes together really helps. Things like notes from phonecalls, errands to run, shopping lists ... sometimes something just jumps to mind and if I don't write it down, I forget. So I just write in the date and any notes which come to mind. It's only A6 in size, so quite compact.

Some pretty wrapping paper and clear contact to make a much nicer cover.

Inside, the first page indexes all the categories I came up with whilst going through my current supplies. I've colour coded them, using felt-tip pens, then used the colours to highlight the pages.

Then in went my first entry!

I think I'll go through this month's worth of shopping dockets to start off my entries.

Now, hubby laughed a bit at seeing me working at all of this, but since he knows all about doing company purchasing orders, I explained it with the corporate overtone and now he totally sees it's validity.

This should become a very useful resource over the course of a year!

Friday, May 15, 2009

Frugal Friday - what's hiding in the fridge?

It's still nutritious, and the family confirmed it tasted delicious, so we win with 'making do with what we have' again, and I'm adding this to the Life as Mom's Frugal Friday meme as my first contribution.

When I ask "what's hiding in the fridge", I do mean EDIBLE food, not anything hinting as suspicious. The goal: to use up what you have before you buy more. So, when I write up on my menu "Pasta with vegie sauce", that could be made with anything that night.

Hubby was actually laughing at me photographing this last night. I know, it's just a plate of pasta with sauce and cheese, but I had to put a picture, lol!

So, what's in the sauce?
- one brown onion, diced
- 2 cloves garlic
- 1/2 a green capsicum, which was roasted, skinned then diced
- 2 sticks of celery
- one carrot, diced
- stalks from 2 broccoli, diced
- a stalk from the cauliflower, plus a handful of remaining florets, all diced
- 4 anchovies (no, you don't really 'taste' it, but it adds some bodied saltiness)
- 1 small jar of bottled tomatoes (or a 840g tin would do)
- 1 cup of kidney beans, soaked overnight and slowly boiled in preparation (OR use a 420g tin already prepared, or baked beans)
- sprinking of oregano

I saute'd the onion, garlic, capsicum, celery, carrot, broccoli and cauliflower pieces all in olive oil until soft, added the anchovies for flavour, tipped in the jar of tomatoes and the beans. Let it all simmer away for about 20mins until the beans were well done. Add the oregano, then put into the food processer and pulse to chop finely (but still with some texture).

It works well on any type of pasta and didn't cost me an extra trip to the shops. Thankfully we still had a sprinkling of parmessan each, otherwise I would have been tempted to make it as a baked pasta dish, with a cheese sauce layer made with tasty.

This served 2 adults and 2 children, with leftovers for hubby to take to work the next day.

You can check out more frugal ideas on Frugal Friday, or contribute your own ideas!

Sunday, May 10, 2009

Lunch ideas: pizza rolls

I'm happy to say that we managed to stick well within our fortnightly budget these past 2 weeks. In fact, we had some SAVINGS!!

The children were troupers, helping me think of ideas for meals. I discovered the website of the Destitute Gourmet, then borrowed one of the cookbooks from a friend ... more ideas!! Head on over to see her latest blog called Bring on the Beans, where two friends are encouraging each other to put on their frugal beanies and encourage saving with a healthy lifestyle. Lots of fun! :)

Today I'm baking again. I've made up a triple quantity of my Basic Bread dough. From this I have made 2 loaves, and the remaining third I'm using to make some pizza rolls. This is a very simple idea I saw on one of those midday cooking shows, many years ago when I had time to sit whilst nursing one of the babies.

Here it is in a nutshell:

Roll the dough out into a rectangle.

Slice into triangles (I've made 14 in total here).







Saute' some diced onion and capsicum. Let it cool.

Onto the cut dough, sprinkle on some cheese (mozerella or tasty). Then spoon on some of the saute'd vegies.

You could use other things if you have them on hand too. Basically, anything suitable as pizza toppings. I think next time I'll try some diced sundried tomatoes and feta. MMMMmmm! :)

Okay, time to roll it! From the wide base, roll it toward the point so it looks like a croissant. Yes, some filling will spill everywhere, but you can sprinkle it on top later or push it back into the sides.

Place on a baking tray lined with paper, then leave to rise.

Bake for 30 mins.

These are great on their own for a snack, or with soup for lunch.

Wednesday, April 29, 2009

Pulling the budget strings

It seems like the most opportune time to make good use of the lower interest rates and pay off as much of our debts (ie: mortgage) as possible. But then, that's not the only incentive. We don't know what may lie around the corner with employment for spouses. Supplies with imports have slowed as shipping containers are taking longer to fill. Regular grocery supplies from local producers have also become more scarce, and more expensive, with drought mixed in to the formula. It's certainly enough to make one either sleepless, or spend most waking hours wondering how to finetune budgets and prepare for an unknown future.

Well, I'm not trying to focus on the negative side. Let's look at what CAN be done.

Thankfully we've managed to organise ourselves in such a way that I can be home with the children whilst only hubby is out at a job. That in itself is a plus.

We've kept accurate records of all bills, so we know what's expected when. I've even had the children out looking at the metre boxes, taking records, so they know how they work and how to calculate the cost of usage.

It's the fluctuating spending which catches us out. Either petrol, groceries or items for around the house. Out of all of these, though, it's the groceries which cause me the most anxiety, and the best way I've found to deal with this is to PLAN with as much detail as I can get my head around.

I've made up a monthly menu sheet on which I pencil in meal plans for breakfast, lunch and dinner. If I can plan at least a fortnight's worth of meals, it cuts down my number of trips to the store and prevents the urge to buy luxury items. Also, buying unprocessed as much as possible means I need to plan time to cook in advance, but saves a considerable amount too.

Here's an example of some of this fortnight's dinner plans:
$7 for a nice piece of corned silverside. This will make 4 meals. The first night - served freshly cooked with steamed veg. Remaining meat is then portioned into thirds. Freeze that not in use. Second - take a small amount and dice; add to some brown 'fried rice' with lots of veg. Third - luncheon sandwiches. Fourth - dice remaining meat and use as a pizza topping.

So, I guess this post is more to remotivate and force me to commit to better planning. So far this week we've done extremely well by using items already in the house, so I may only need to shop this weekend for some more baking goods and fruit/veg.

Here's this fortnight's dinner menu for those interested (most of these are from items already stored in the pantry or freezer):

Sun - corned silverside with veg.
Mon - fried rice with lots of veg. and a portion of remaining silverside.
Tue - pasta with grated carrot, zucchini, corn, tomato, garlic and tuna (tinned)
Wed - chicken burgers* and baked potato 'chips' (*whole chicken, but only use breast meat, thinly fillet sliced to make 4 serves. Put the rest of the chicken aside for another 2 meals.)
Thu - impossible quiche with corn, cheese and chives. Serve with salad and potato wedges.
Fri - honey soy chicken, from legs and thighs. (Carcass used for soup in yesterday's lunch).
Sat - spaghetti bolognaise (make a triple quantity and freeze for another meal).
Sun - (visiting)
Mon - homemade pizzas.
Tue - tuna patties and salads
Wed - minestrone soup with fresh baked bread rolls.
Thu - fish (Blue Grenadier) pan fried, served with couscous and steamed veg.
Fri - beef curry (using beef spare ribs in crockpot) with rice, papadams and salad
Sat - baked potatoes, bolognaise and other various toppings