I was sitting down with a friend talking about goals for the New Year. I’d shared some of mine already and it was her turn. She had what I call the “usual” list: paying off debt, losing weight, etc. However, I was completely floored by the very last one on her list: saving up to homeschool. This one was new to me…a first in my journey. I was intrigued to say the least, so I asked her what her plan was. My purpose today is to share her plan with you!

  • Take a look at what your costs may be. For example:
    •  It costs $75 to register with the umbrella school she chose
    • The curriculum she wants is roughly $350 with shipping
    • It costs $65 to register with the local homeschool association and the support group she wants to join
    • It costs $100 for the homeschool legal association she wants to have
    • It costs $400 for the co-op she wants to join
    • She estimates that she needs $200 for supplies
    • Total: $1,190.00
    • NOTE: This is just her situation and is not typical of all homeschool expenses!
  • Get on curriculum companies’ mailing and email list– many times they will offer specials to their subscribers and not the general public.
  • Attend material display meetings– some companies will offer discounts for ordering during a materials display or homeschool convention.
  • Develop a savings plan– this is where it gets interesting!
    • Set aside a portion of your income tax refund, if you get one! (Her goals was 3-5%)
    • Open a separate account for the monies to go into and set up automatic transfers. (She is transferring $20 per pay period into the account.)
    • If you prefer saving  cash, think about it like this:
      • It’s January first, and you have 32-36 weeks, depending on when you want to start. (You also have to allow for shipping time, so you may have fewer weeks to spread your plan over.)
      • Get a cash box and don’t keep the key on you. This will keep you from dipping into it.
      • Use a simple plan. There are lots of savings plans out there, so you can navigate your way through those and tweak them to work for you. Or, you can do one like this: $1, then $2, then $3, and so on.
  • Shop around! The publisher may not always be the best way to go! Compare prices and take your time.

For those of you who are looking to walk this path, know that it will take work, discipline, will power, self-control, restraint, (or any other word you could think of), but it’s worth the effort! Plus, it’s one less thing you will have on your mind as you work toward a better 2015! God Bless You and your efforts!

About Tammie Polk

Tammie is a wife and mother of three girls, ages 11, 6, and 1 from Memphis, TN. She began her homeschool journey in 2008 and has worked as both a private and charter school educator as well as a substitute teacher. She is an eclectic homeschooler and enjoys tailoring curriculum to meet the needs of her children, one of whom is special needs. She maintains a blog, Atkah’s Choice (www.atkahchoice.wordpress.com) and also writes for Learning Tangent Magazine. She is also in the process of starting her homeschool consulting and tutoring business. In her spare time, she enjoys writing books and devotionals, creating educational board games and lesson plans, serving in the choir and other ministries at the Crossroads Baptist Church, traveling, and spending time with her family.

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