HSHSP Ep 143: Financial Literacy for Homeschool High Schoolers

This week on HSHSP Ep 143: Financial Literacy for Homeschool High schoolers.

HSHSP Ep 143: Financial Literacy for Homeschool Highschoolers. Teens need life-skills math of Financial Literacy to be well prepared for adulting.

HSHSP Ep 143: Financial Literacy for Homeschool High Schoolers

How do you go about preparing homeschool high schoolers for managing money throughout their lives? Financial Literacy is a life skills math credit that many teens will use WAY more often than their high school math. Join Sabrina, Vicki, Kym and Eagle, the Seeing Eye puppy for a fun discussion of Financial Literacy curriculum.

Back in 2008, when the economy crashed, some economists believed that poor personal financial management (including too much mortgage debt) was part of the problem. In reaction to this, many state education departments began to require that high school transcripts include Consumer Math so that teen could have at least basic money management skills.

But Consumer Math might not be enough for many teens. If they want real-life preparation for not just money, but for making financial decisions, for planning and for other financial considerations, teens need more. They need Financial Literacy.

A penny saved is a penny earned is just the beginning. Give your teens financial skills for a lifetime.

So, what is the difference between Consumer Math and Financial Literacy?

  • Consumer Math covers the basics such as creating a budget and balancing a checkbook.
  • Financial Literacy covers Consumer Math PLUS planning for the future, finding the right insurances, banking, credit and more.

There are several good financial training courses. We, of course, like 7Sisters’ Financial Literacy because it covers all the bases of Financial Literacy courses but also trains students on how to find information (and where to avoid information). It is an interactive, internet-based curriculum that teens love…and actually use. Homeschool high schoolers finish the course with a life financial plan.

As soon as 7Sisters’ published our Financial Literacy course, our teens began using it and teaching it in our local homeschool group classes. The curriculum was vetted by the teens, who gave valuable feedback on how they learn best. Those teens are now adults and still using the skills they learned from their Financial Literacy course.

Your teens will benefit from taking Financial Literacy, but don’t take our word for it. Check out these posts from 7Sister Sara’s sons Luke and Joel. You’ll also enjoy this Dollars and Cents Podcast episode on How to Teach Kids about Managing Money.


Interactive Financial Literacy Course: Why it is Awesome & How to Use it

HSHSP Ep 143: Financial Literacy for Homeschool High Schoolers

12 Happy Habits

12 Happy Habits

Finish Well Radio, Podcast #080, 12 Happy Habits with Meredith Curtis on the Ultimate Homeschool Radio Network

In 12 Happy Habits, episode #080, Meredith Curtis encourages you to examine and adopt some habits that will bring happiness and joy into your life, as well as make life, relationships, ministry, and careers more successful and fun. She also shares how to build these, or any habits, into your life by starting with goals that lead to habits that lead to patterns of living.







Proverbs 3:13-14 by Laura Nolette and Powerline Productions, Inc.

Powerline Productions, Inc.

Being World Changers, Raising World Changers!

We offer books and ebooks to help you homeschool to the Glory of God!




Show Notes

Happy 2019!

My friend T.J.

Happy Habits

These habits will bring job, success, and blessing to your life and the lives of those around you.

  • Start Each Day with God
  • Start Morning with Five Things: Brush Teeth & Hair, Make Bed, Get Dressed, Tidy Room
  • Greet People (Good morning, Hello, Good-bye)
  • Listen and Ask Questions
  • Look for Opportunities to Serve & Go the Extra Mile
  • Plug Into a Local Church
  • Tithe
  • Live Debt-Free
  • Do Everything with Excellence
  • Eat Fresh Foods in a Variety of Colors
  • Exercise Regularly & Cultivate a Life Sport
  • If You Make a Mess, Clean It Up

From Goal to Habit to Pattern of Living

Some of my New Years’ resolutions have become patterns of living.

We have a million dreams in our heads of who we want to be.

But what is God’s heart for me? To know His will, I dive into His Word, learning that God teaches me my body is a temple of the Holy Spirit, I am to honor my parents, he blesses hard work, and He desires unity in relationships.

Having a biblical foundation for my goals, gives me confidence that He will help me.

I start with Measurable Goals.

Once I make measurable goals, I begin. God is for me not against me. He will help me to be faithful if I draw from His strength.

I like to Start Small and build. For example, I start with reading the Bible 5 minutes a day and build up to 30 minutes over a years’ time. That way I don’t crash and burn.

If you are like me, and I hope you’re not, the early weeks will be full of more failure than success. However, I just refuse to give up.

Perseverance is key to building up habit, so no matter how many times you blow it, don’t give up!

Over a long period of time, habits become patterns in your life.


Finish Well Radio, Podcast #053, DG: The Secret to Successget shape Spiritually new year

Making of Real MenGod's Girls Brand New Life Bible StudyLovely to BeholdUnlocking the Mystery of Homeschooling High School by Meredith Curtis and Laura Nolette

Homeschooling with Vision and Purpose

homeschooling with vision and purpose | It is often said that homeschooling is not for the faint-hearted. Homeschooling with Vision and Purpose is the topic of today's podcast with a very special guest and new podcaster at the Ultimate Homeschool Radio Network, Lisa Nehring. #podcast #homeschoolpodcastHomeschooling with Vision and Purpose Episode 320

It is often said that homeschooling is not for the faint-hearted. Homeschooling with Vision and Purpose is the topic of today’s podcast with a very special guest and new podcaster at the Ultimate Homeschool Radio Network, Lisa Nehring. She will share her vision and you will learn more about the True North Academy as well.

Welcome to Lisa Nehring with True North Academy –

Need help with your vision & purpose? Contact True North Homeschool Academy; we will be happy to help!  True North Homeschool Academy is committed to coming alongside parents to provide an exceptional on-line learning experience that exceeds the highest academic standard for for 6th-12th grade students in a flexible and affordable learning environment.

Our sponsors make these broadcasts free to all of you – so please stop by and check out their live homeschool classes!

As homeschoolers often we don’t think about homeschooling with vision and purpose.

In this episode we discuss:

  1. What is the difference between reactive homeschooling vs. proactive vision
  2. How to create a vision and make it plain – Habakkuk 2:2
  3. Envisioning a bright and successful future – we are called to be obedient – and succeed.
  4. Proactive – visions different for everyone.
  5. Consider your child’s talents. Shore up their weakness.
  6. Create a bridge between present and future – could be and possibilities
  7. Look at your child’s spiritual development, physical emotional development.
  8. Digital dark ages, they were more interactive and engage in humane and kind.
  9. How to communicate well with people.
  10. A unique time in life – our kids grow up in a digital age.

Lisa shared how to develop a vision vs mission.  A vision is the big picture dream, about what you want at the end of, for example, homeschooling, life, etc. Use adjectives, verbs, and nouns to create your vision.

The mission consists of the steps that you take to get to your vision. When developing – nouns and adverbs

Goals are small incremental steps to get to your … small, manageable and realistic and timely

Smart goals -Set goals and create a mission for our year – saves us time and money. We can change the specifics we need to get done and a sense of what we need to accomplish.

Blended learning and online learning is the secret weapon of homeschool. True North Academy does this for you!


What Should a Homeschool Group Secretary be Doing?

Homeschool leader Amanda Shafer is a woman of many talents. Listen as she shares about  serving as her homeschool group's board secretary.Homeschool leader Amanda Shafer is a woman of many talents. After first serving as her board secretary, she is now switching to serving as their treasurer!

Amanda’s role a secretary of her homeschool group, Heartland Homeschool Association in southeast Missouri included sending emails, newsletters and handling registration for 90 families! It was a large task. Listen to hear how Amanda stayed organized and reduced the full day-long paper registration to an online system that takes only 10 minutes!

In this episode of the HomeschoolCPA podcast host Carol Topp and Amanda discuss:

  • What a homeschool organization’s secretary does
  • Some tips for registering families for co-op classes
  • Some useful tools she uses to send out newsletters and emails.
  • How online registration helped her co-op
  • What board minutes should look like
  • How to run an effective board meeting

Carol and Amanda met online at the I Am a Homeschool Group Leader Facebook Group. It is a closed group (meaning you have to request to join) of 600+ homeschool leaders from across the USA. You can join us here: https://www.facebook.com/groups/72534255742/


Featured Product

Does your homeschool board know and understand its duties?

Author and homeschool advisor, Carol Topp, CPA, has created a Homeschool Organization Board Manual. It is a template to create a board member binder. It has:

  • A list of important documents to keep in your binder
  • Section dividers so you can organize the important papers
  • Tools to help you run your meetings smoothly including
  • A sample agenda that you can use over and over again
  • A calendar of board meetings

But this is more than just a few cover sheets for your binder. It is also a 55-page board training manual with helpful articles on:

  • Suggested Board Meeting Topic List
  • Board Duties
  • Job Descriptions for Board of Directors
  • What Belongs in the Bylaws?
  • Compensation and Benefits for Board Members
  • Best Financial Practices Checklist
  • How to Read and Understand Financial Statements
  • Developing a Child Protection Policy

Read more about the Homeschool Organization Board Manual

Finding, tracking and winning scholarships

Finding, Tracking and Winning Scholarships

Episode 15: Finding, tracking and winning scholarships

1. Finding Scholarships

* Use Scholarship Search Engines
My favorite scholarship search engines:

Other scholarship search engines: Peterson’s, Fastweb, Cappex, Collegeboard, Scholarships.com

* Scholly App

* Local school websites

* Google search – “scholarship” + major / hobby / achievement etc

* Facebook – follow people like Monica Matthews

2. Tracking Scholarships

* put all scholarships and requirements and deadlines on Google sheets and share with your child
* child updates when it is submitted
* create a dedicated email for scholarships

3. Winning Scholarships

* Use Google sheets to track volunteer hours, workshops attended etc so you have all the info at hand
* Parent should research see what the chance is of their child winning anything – look for previous winners, read winning essays, watch winning videos
* Keeping it all organized on Google sheets means you shouldn’t miss deadlines, leave anything out.
* Use spell checkers / Grammarly (also human eyes!)

—> Check out our sponsor, FundaFunda Academy‘s summer challenge for high schoolers. Part of the challenge helps students figure out what they need to do to win scholarships, and where to find them. And students can win money in the challenge to put towards their college tuition!

If you enjoyed this episode, please subscribe to the show and give a rating and maybe even a review!

Contact Meryl via email on meryl@mediaangels.com or connect with her on Pinterest, Instagram, and Facebook

Finding, Tracking and Winning Scholarships

HSHSP Ep 142: Homeschool Coaching with Vicki Bentley of HSLDA

This week on HSHSP Ep 142: Homeschool Coaching with Vicki Bentley of HSLDA.

Homeschool Highschool Podcast Ep 142: Homeschool Coach Vicki Bentley, HSLDA. Feeling overwhelmed with homeschooling? HSLDA's Vicki shares about coaching.

HSHSP Ep 142: Homeschool Coaching with Vicki Bentley of HSLDA

Ever felt stuck, confused or intimidated in your homeschooling adventures? It might be time for some homeschool coaching! Join Vicki and her friend, Vicki, for a delightful discussion on homeschool coaching (and some history of homeschooling).

Vicki Bentley is a homeschool coach, working with Homeschool Legal Defense Association. The homeschool mom of 8 daughters, Vicki has also fostered more than 50 kids AND is a military wife.

Vicki Bentley, Homeschool Coach with HSLDA

Photo used with permission.

Both Vickis have many similar *history of homeschooling experiences*. Vicki Bentley and Vicki Tillman began homeschooling back in the early days of the homeschool movement. In those days, it was difficult to find publishers who would sell curriculum to homeschooling families. There was no internet so finding other homeschooling families could be a chore. There were few opportunities for group activities or support. Therefore both Vickis helped start and/or run several homeschool organizations.

Vicki Tillman totally agrees with Vicki Bentley when she says she has lived by these mottos:

  • Start things up

  • Just walk through the next open door

Vicki B. originally found other military homeschooling families when she ran into another military mom while running errands. They started and ran a 300-family homeschool field trip and support group. Then she joined Virginia’s newly formed state-level homeschool organization, HEAV (Home Educators Association of Virginia). She developed and taught a how-to curriculum for new HEAV homeschooling families.

Vicki Tillman and Vicki Bentley talked about their similarities in running homeschool groups and starting things when there was nothing.

“You do what you need to do for your kids,” says Vicki B.

You do what you need to do for your kids. -Vicki Bentley, HSLDA, interviewed on Homeschool Highschool Podcast episode about Homeschool Coaching.

Vicki Bentley connected with Homeschool Legal Defense Association back in the early 1990s after she moved to Virginia. Her husband started working for them and Vicki joined him shortly after that.

Vicki Tillman remembered back in those early days, homeschooling was not legal in most states, so homeschoolers needed to fly under the wire and exercise caution. She pointed out the common drills practiced by many homeschooling families:

  • Fire drills
  • Tornado drills
  • Truant-officer-at-the-door drills

Homeschooling families needed legal support! That’s why Homeschool Legal Defense was formed.

HSLDA started in 1983 by 2 homeschool dads who were attorneys. Because homeschooling was not legal in many states, HSLDA represented homeschool families in court. Now that homeschooling is legal in all 5o states, they continue to provide homeschool legal support where needed, along with providing compassion work and homeschool coaching for all ages. Vicki Bentley is one of the homeschool coaches.

As homeschool coach, Vicki Bentley offers a number of services:

Like her friend, Vicki Bentley, Vicki Tillman also provides homeschool coaching (through 7SistersHomeschool.com).  Her coaching services are like Vicki Bentley’s services. She pointed out that neither Vicki is in competition with each other in their 2 organizations. Rather, they were Titus 2 moms together supporting the 2 million homeschoolers in the United States today.

Both Vickis love that their generation is able to give back to the homeschool community through homeschool coaching!

To obtain coaching from Vicki Bentley at HSLDA, contact her through her coaching page. (You’ll need to join HSLDA to use these services.) 

You’ll also love her many how-to posts at HSLDA and her personal website: Everyday Homemaking.

Join Vicki and Vicki for a delightful talk about the history of homeschooling and about homeschool coaching.

You’ll also enjoy these posts.

How to Start a Homeschool Organization (Interview with Carol Top of Homeschool CPA podcast.)

7 No-Fail Steps in Choosing Curriculum for Homeschool High School

HSHSP Ep 142: Homeschool Coaching with Vicki Bentley of HSLDA

New Year Goals

New Year Goals and Schedules | New Year goals and resolutions are easy to make but not easy to keep. So many times we make our schedules without any wiggle room and the new year is the best time to look at our schedules and realign them with our newly made goals. No goals or resolutions, yet? | #podcasts #homeschoolpodcast #homeschoolNew Year Goals & Check Ups Episode 319

New Year goals and resolutions are easy to make but not easy to keep. So many times we make our schedules without any wiggle room and the new year is the best time to look at our schedules and realign them with our newly made goals. No goals or resolutions, yet? Don’t worry—in today’s episode, I share some suggestions to get your New Year off to a great start!

Planning has never been my strongest gift. Let me rephrase this, planning on paper has never been a strong gift. I do plan, in fact, I have lots of long-term plans but I keep them in my head and as often happens they get lost because I forget! So, one of my resolutions years ago was to make a point of writing things down. Not hard, right?

At the beginning of the school year, I created a long-term schedule and then every January I would take another look to see if something was missing or if I needed to change things around. This helped me tremendously and the kids as well. Sometimes I gave us too much time to complete math but not enough time for science, history or art. We would have alternating schedules. I would block schedule and have 3-month segments where it was heavier on the science and lighter on the history or vice-versa. As the children got older the schedules changed, and we had to complete every subject every day.

Here is the list I used in order to evaluate our progress.

  1. Wellness check. How are we doing? Is anyone struggling?
  2. Look at the long-term plan. Can we accomplish our goals by year end?
  3. How long is it taking the children to complete their work? Can this be changed?
  4. Extracurricular activities: Is there time to add a class or sporting event to the schedule?
  5. Time to think.
  6. Family consensus
  7. Goals for each child.
  8. Recording system.
  9. Projects
  10. Year-end date. Evaluations or Testing.

How does this list line up with yours? Is there anything you would take out or add?

Lifeschooling with Boys – Hal and Melanie Young

Hal and Melanie Young - boysOn this episode of Life as a Lifeschooler, I talk with Hal and Melanie Young about their homeschooling/lifeschooling journey and about what that looked like with boys.

Hal & Melanie are the award-winning authors of Raising Real Men, My Beloved and My Friend: How to Be Married to Your Best Friend Without Changing Spouses, and several other books. They are publishers, writers, bloggers, and popular conference speakers internationally, known for their Christ-centered focus and practical, real-life stories. They are the parents of six real boys (four grown!) and two real girls and live in noisy, messy happiness in North Carolina.

Here are some of the questions I asked in our interview:

I’m sure many of my listeners have heard you both speak, but tell us about your background. How did you start homeschooling?

Many homeschoolers bring the school model home because we all tend to just do what we know. Is there anything in particular that helped shape your educational philosophy?

The definition of lifeschooling is “the individualized process of discovering your child’s God-given gifts and talents primarily through real life experiences that happen within the context of your family’s unique situations and missions.” In your family, I know that mission aspect plays a large part. Can you share with us how your mission in encouraging homeschoolers played a part in your homeschooling? (In particular, with regard to technical skills, etc. that were learned in that context.)

How has homeschooling strengthened your relationships with your children?

What has been one of the most difficult times of homeschooling in your family?

What are some of the gifts that you saw early on in your children and how were you able to tailor their education around the development of those gifts?

When it comes to raising boys, tell us some practical tips, especially for those of us with very active young boys who can be hard to homeschool.

Hal and Melanie Young can be found at HalAndMelanie.com and their podcast can be heard at HalAndMelanie.com/radio. You can purchase their books and also find many other wonderful homeschooling books and resources, as well as gifts especially for boys in their online store at RaisingRealMen.com/shop.  Or if you need ideas, check out their special gift guide for boys at RaisingRealMen.com/giftguideforboys. (I mentioned Christmas gifts in the podcast, as this was recorded earlier, but there’s always time to shop for next year, right?!)

And that’s Life as a Lifeschooler! Be sure to subscribe so you never miss an episode. Hope you’ll join us next time!

Teaching Your Struggling Writer How to Write

LCP Ep 10: Teaching your Struggling Writer How to Write

Helping Your Struggling Writer #homeschool #homeschooling #writing #strugglingwriters #teachingstrugglingwriters #literarycafepodcast
Have you ever seen your learners with “a deer caught in headlights” look when holding a pencil over a blank piece of paper?

Is it a struggle to get your child to write down more than a word or two?

Visit Katie’s website for more fun ideas and tips to use in your homeschool at Katie’s Homeschool Cottage  or her Facebook Group.

Join Katie Glennon as she shares tips and practices in getting even your youngest learners more comfortable putting pencil to paper and conveying their thoughts into written words.

You’ll soon be using these techniques every day in your own routine easily and naturally.


Show Notes

Quick Writing Practice Opportunities

Post cards or letters to friends or relatives about a trip or event.

Pen pals.

Science nature journal or sketch pad with captions or labels on a nature hike or walk.

Grocery lists or other lists – favorite things, to do’s, menu, people.


Thank you notes for birthday or Christmas.

Birthday cards or other cards, including invitations.

Posters, flyers, brochures, book jackets.

Journal or diary (can be just a sentence or more about their day).

Scrapbook or photo album with captions or names underneath.

Use invisible ink or secret code to make writing more interesting and fun.

Write using different media and materials – colored pencils, gel pens, scented pens, colored paper, chalkboard, white board, window or mirror, eraseable writing pad (the one with the plastic pencil and you lift the plastic sheet up to erase your writing.), driveway with chalk or water with a brush, large poster board or paper with paint, write in sand or at the beach.

Creat slide shows with Powerpoint or Google slides or Prezi.

Collaborate and take turns writing a story, taking turns one sentence at a time.

Write a story as a character or famous person using “I”.

Interview someone for real or pretend and write down what they say.

Write about an event or nature hike using “who”, “what”, “where”, “when”, “why”, and “how” to tell you what to write about.

Write a revision of a well-known story revising an event or a character in the story in your retelling. Write a new ending. Keep it a simple story like Red Riding Hood, The Three Bears or Three Little Pigs, or The Gingerbread Man.

Websites to Help You Draw and Write Your Own Story

These sites assist your child in creating a picture for a scene or multiple scenes in a story either drawing your own picture or using graphics they supply. Once they create the picture/s, they can type in the story and either read it online or print it off for their own book.

Story Jumper

Read Write Think Printing Press

Story Starters by Scholastic

My Storymaker

Writing with Writers

Imagine Forest

Writing Prompts

If you choose to use writing prompts as a topic instead of the retelling of a read aloud or a short simple story, I highly recommend you let your struggling writer draw a picture of the scene that comes to mind from the writing prompt. This way they can write about what they see happening in the picture and it will be less challenging for them to verbalize a story from the prompt. (Remember – in the podcast we discussed that creating a story from scratch takes the writer away from focusing just on getting over the overwhelm of putting words in a sentence on paper.)

Writing Prompts for Kids

Free Writing Prompts

Daily Writing Prompts

180 Journaling Writing Prompts

251 Free Creative Writing

Writing Prompt Printables for all Ages


Be sure to comment in the Comments box any ideas you’d like to share about how your family has overcome the “deer caught in headlights look” or the overwhelm of putting pencil to paper! Or, what techniques from this podcast or list of ideas you found helpful! I would love to hear from you!

Thanks for visiting! Come back and visit the Literary Cafe Podcast for January’s topic when we discuss essential writing skills in the upper grades! You will definitely want to catch this episode to make sure you are preparing your children for college and life with their writing.

Make sure you download our podcast at iTunes or subscribe to the Literary Cafe Podcast by clicking on the Android or RSS feed buttons below the recording on this page! And make sure you share this page with other homeschoolers whose children struggle with writing or even those just trying to make it easier and more fun!

Helping Your Struggling Writer #homeschool #homeschooling #writing #strugglingwriters #teachingstrugglingwriters #literarycafepodcast



Digital Breakouts

Digital Breakouts

Episode 14: Digital Breakouts

—> Check out our sponsor, FundaFunda Academy‘s classes and web-based unit studies for Spring 2019.

What are Digital Breakouts?

They are similar to Escape Rooms – just all online!

  • Instead of physical locks, the locks are virtual and you enter the solutions via Google forms.
  • The puzzles are online: videos, jigsaw puzzles, google maps etc might all be utilized
  • There are minimal directions – click around and think what can fit
  • The solutions can be – dates, words/phrases, numbers

Some hints to get you started

  • Dates might not be an exact date given – other info given might be needed to calculate a date.
  • Numbers – what can be counted? Are there items you could add together?
  • Look for words that are underlined / different color
  • Click around looking for hotspots that link to another web page

Why they are great

They teach critical thinking, problem solving and teamwork. And they add an element of fun to the material you are studying.

Where can you find them

* Breakout Edu
* Teachers Pay Teachers and search for them
* Google “digital breakout” + topic
* FundaFunda Academy has their own one – Mosby’s Treasure. Listen to the podcast for a coupon that will allow you to get it free until the end of January.

If you enjoyed this episode, please subscribe to the show and give a rating and maybe even a review!

Contact Meryl via email on meryl@mediaangels.com or connect with her on Pinterest, Instagram, and Facebook

Digital Breakouts