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Holiday Budgets

Cartoon_Decorated_Christmas_Tree_with_a_Star_Topper_Surrounded_By_Christmas_Gifts_Royalty_Free_Clipart_Picture_101115-016574-232053Budgeting for the holidays actually starts months before you ever buy a gift or serve a cookie. Planning your holiday spending into your monthly budget is the best way to ensure that you have the money you need and don’t overspend. You can get a jump on your 2014 Holiday budget with these tips from Christmas Planning: Money.

But what about now in 2013? If you have saved away money and now have some to spend on the holidays here is a great new tool from Dave Ramsey: My Christmas Budget Tool! This tool allows you to set up a total budget amount and then a line for each family member and other gift recipient. You can set a budget amount for each person and add gifts in as you purchase them to make sure you don’t go over your budgeted amount. This tool will keep your spending on track and function as a great way of making sure you get all the gifts you need.

Give-Away : Trades of Hope

I want to let you all know about a great opportunity to help women and get some really great jewelry and accessories. Trades of Hope is a direct sales organization that offers products made by women who have been rescued out of human trafficking and slavery. These women are given the opportunity to produce jewelry, scarves, and other personal and home accessories to earn a living instead of having to sell themselves to provide for their families. Purchasing products through Trades of Hope offers you the chance to make a very real difference in the life of a woman who has been in bondage!

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I have personal purchased many items from Trades of Hope, and I can tell you that the quality and beauty of the merchandise offered is second to none! Prices are reasonable too – but how can you put a price on helping a woman have a safe way to provide for her family?

To help spread the word about Trades of Hope we are partnering with them to do a give away! You have the opportunity to win this awesome aqua scarf! Between now and July 14, 2013 enter the drawing for this scarf by leaving a comment on this post with your name and contact information and liking us on Facebook (www.facebook.com/theorganizedwife) if you have not already done so. On July 15, 2013 we will randomly draw one winner from all the entries.

To browse Trades of Hope products, make a purchase,  or to find out more about Trades of Hope, please visit the Trades of Hope website.

Legal Stuff: One entry per person. No purchase in necessary to enter or win. Prize will be awarded by a random drawing on July 15, 2013 from all entries. Duplicate entries will be thrown out. Odds of winning depend on the number of entries. Author received one aqua scarf as part of the promotion. Opinions are solely the authors and do not reflect any opinion or text supplied by Trades of Hope.

Curriculum Review: A Beka Math (intermediate)

Concept: Over 170 lesson per grade level, A Beka Math grades 4-6 teaches the four basic operations through introductions to geometry and algebra, with lessons on fractions, decimals, factoring, and multi-digit operations.

How It Works: A Beka math uses daily lessons with speed drills and weekly tests or quizzes to take your child from addition to pre-algebra. Each lesson has board work, oral and flash card drills, timed speed drill, and the introduction of a new concept or review for tests and quizzes. Test are given every 10 lessons, with a quiz on the 5th lesson between tests. Student workbooks have teaching boxes that introduce the concept, as well as problems designed to reinforce what was learned that day and review previous lessons. Optional problems and “homework” are included.

How We Used It: Generally we followed the lesson plan. We did not purchase the additional concept cards as the concepts are given in the student workbook. We found that for kids who excel in math, A Beka was still on the easy side and at times we did two lessons per day. Generally we skipped the green supplemental problems and the homework unless a child was struggling with a particular concept. We did the daily speed drills and review of facts to solidify quick recall.

Concerns: Even though A Beka is said to be at least one grade level above traditional math curriculum we still found it to be fairly easy. Our math nerds were able to essentially teach themselves just by reading the concept boxes in their workbooks. We found that the material was lacking practical (story) problems, offering only two per day. Because of this, we began supplementing with Challenging Word Problems from Singapore Math. We found that the word problems for Singapore ran about 1 grade level ahead of A Beka math.

Recommendation: We recommend A Beka Math for students who are functioning above grade level in math or easily understand math. We do not recommend this if your student struggles with math.

Curriculum Review: The Story of The World

Concept: As though telling a story, this world history curriculum moves elementary students from ancient times to the modern age over the course of four years. Supplemental activities and tests are available to encourage retention of material and assess progress.

How It Works: Each week you read through the story book, which gives students insight into the historical time period and culture you are studying. Each chapter is divided into two sections, allowing you to break up reading with review questions. The activities book provides review questions and guides for narration exercises. The activity book also includes map work pages and instructions for students. The back of the activity book has masters of all the map work and coloring pages. The activity book also includes supplemental activities and research you can do to increase student learning and retention.

How We Used It: We have used this program various ways depending on the age our girls were at the time. Initially I read the chapters out loud and guided the girls through the review questions and map work. Coloring pages were done during free time. As the girls got older they started reading the chapters on their own, with me going over review questions and map work with them. We also introduced tests when the girls were in intermediate grades. Some weeks we covered two chapters a week, and other times one, depending on the rest of the kids coursework. We rarely did the supplemental activities and projects, as I felt they were often too involved for what we were trying to accomplish. We do supplement learning with the History Speaks series for branches of government and important documents in American history as we read through the last two volumes of The Story of The World, taking a break from STOW to learn more about America.

Concerns: The curriculum information says it is for 1-4 for read aloud, and 5-8 if they read it on their own. While that is true, the activity pages are clearly for first and second graders. By third grade the girls were bored with the pages. The stories are too much like stories for older kids.

Recommendation: We recommend this curriculum for grades 1-4. After grade 4 we suggest supplementing with more challenging activities for students. We recommend not using the tests until at least second grade, and possibly waiting until third or fourth grade to begin testing. This world history curriculum lays a good foundation for further study in junior high and high school.

 

Curriculum Review: Shurley English

Concept: Based on grade level, Shurley English teaches grammar and writing skills by starting with simple sentences through teaching your child how to write 5 paragraph essays and narratives.

How It Works: Shurley English comes as a basic kit with Teacher’s Manual, Student Workbook, and Jingle CD. Each lesson is completely scripted, giving the home-school parent the exact words to stay to teach grammar and writing to their student. Each lesson is paired with jingles to help students remember the various parts of speech and basic grammar and writing rules. Each year starts out teaching the basic concepts, so you can start this program at any age/grade level. About the 4th week/chapter, students begin getting writing assignments, and older students will have two a week in addition to a weekly test. Shurley also incorporates weekly vocabulary words (8) to teach synonyms and antonyms, which help students improve writing skills. In addition to the kid books, you can add in vocabulary and literature selection books, as well as a practice book with all the sentences students have to classify.

How We Used It: For the younger grades we pretty much followed the script, doing jingles daily and reading the teaching text to give the kids a good base. As they got older, we found that the jingles became boring (because they already knew it) and we stopped using those after a couple of years. Additionally, because each year starts out with teaching the same basic ideas (just more quickly as students progress to higher grade levels) we began doing the first 1-3 chapters all the first week. We did all the writing assignments until the end chapters, which incorporate thank you cards and friendly letters. These we do at different times during the year, as appropriate (say after birthdays). After a few years, generally my kids just read the references in their workbooks that go with what they are learning and then do the activities. At this point (4th and 6th grades) Shurley requires very little teaching from me.

Concerns: The jingles get very boring and are not interesting to older kids. Two writing assignments each week can seem like a lot, especially to students who are not as interested in English (like my house full of math geeks).

Recommendation: We highly recommend Shurley English. While there are flaws with the system, in the end, the grammar and writing basis that this gives students is excellent, and that is the goal of English curriculum. In our opinion the grammar and writing preparation found in Shurley can’t be beaten. We also recommend purchasing the practice booklet as it saves time and hassle in the daily classification of sentences. The vocabulary madness books were too easy and just busy work, so we say skip those. If you aren’t using another reading curriculum, the literature selections are a great way to expose kids to prose and poetry at their grade level.

Curriculum Review: Saxon Math (Early Elementary Grades)

Concept: Saxon Math teaches basic math principles such as counting, skip counting, telling time, number writing, addition, subtraction, and slowly builds on these skills daily to teach higher level math concepts.

How It Works: There are 130 daily lessons with a written assessment every 5th lesson and an oral assessment every 10th lesson. Lessons take approximately 30 minutes a day and include daily meeting activities such as calendar and weather. Each lesson includes a worksheet with side A and B to reinforce skills taught. Lessons are completely scripted and the teachers manual gives you daily lists of items needed for each lesson.

How We Used It: Initially we followed the lesson plan, doing everything listed in a lesson. Very quickly we realized that the pace of these lessons was way too slow for us and so we stopped doing the side B of worksheets and eventually went to doing two lessons each day. Initially we just picked up at the next grade level because our kids used this when they were in school. We got smart and used the placement tests that can be found on the link above for our last child and he tested into Math 1 when he was 4.

Concerns: Overall this curriculum was much to slow-paced and repetitive for our kids. I definitely recommend using the placement tests and starting your child where they place according to those results.

Recommendation: Despite our concerns, we do recommend this curriculum. It gives a great basis for higher-level math and you can switch seamlessly to other more challenging materials (such as A Beka). If your child struggles with math concepts or just isn’t advanced in math, Saxon is a great choice that will get them where they need to be without a lot of tears and fighting. Plus, if our child is more advanced in math you can easily double up lessons and move at a faster pace to cover more material in a short time. If you will be using this curriculum for Kindergarten or First Grade we definitely recommend buying a math manipulatives set. If you are starting this material above First Grade I would suggest that you probably don’t need the manipulatives.

Curriculum Review: Apologia Exploring Creation Series

Concept: Through the use of text, journaling notebooks, and lab activities, Apologia Exploring Creation Series exposes elementary-ages students to Astronomy, Zoology, Anatomy, Physics, and Botany.

How It Works: Textbook reading is broken up into easy to manage sections and lesson plans are laid out for two 60 minute lessons each week. Lessons include reading, lab activities, and notebooking pages to allow students deeper understanding of the given topic. In student notebooking journals, students have the opportunity to write down facts they have learned, illustrate topics, and make books displaying newfound knowledge. Lab activities help students apply book knowledge to practical activities.

How We Used It: We used these lessons across grade levels and specifically taught Astronomy, Swimming Creatures of the 5th Day (Zoology 2), and Anatomy & Physiology. We actually did three 60 minute lessons each week, covering the same materials the curriculum plans attempt to cover in two days a week. We found that the extra time was needed for the kids to do the activities. On a given day, we read the textbook and did 2-3 activities relating to what we read.

Concerns: The materials and notebooking journal can be too advanced for younger elementary kids. There are now junior notebooking journals available, which I think would help when teaching across grade levels with younger elementary students. Anatomy & Physiology was laid out somewhat differently than the others we used in the series, and we did not prefer its style.

Recommendation: I recommend the Apologia Exploring Creation Science Series by Jeannie Fullbright. Our kids thoroughly enjoyed learning science with these materials and it was fairly easy to teach across grade levels. If you choose to do the lessons only two days per week, allowing up to 90 minutes to complete the lesson would be necessary. I highly recommend purchasing the lab kits available from CBD.com. These kits have the needed supplies for lab activities, broken down by lesson, and even include general supplies like paper and colored pencils.