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

Planning for High School Success

Planning for Homeschool High School Success with Homeschool High School There’s not ONE right way to homeschool high school, but planning is such an important part of setting yourself up for success! Let’s talk about how to choose courses that will help mold teens’ character while giving them excellent life preparation, then how to plan to implement them over the 4 years of high school.

Homeschool high schoolers must be ready to face adulthood: educationally, spiritually, emotionally, physically, socially. As a homeschool parent, YOU get to help them prepare for the independence of adulthood. Here are tips for planning for high school success!

1) Set Long-Term Goals

Prayerfully think about what kind of young adulthood God has called your homeschooler to. Can you write a “wish list” describing his/her educational preparation, spiritual maturity, health, and social/relational skills? Keep it in perspective, of course:  a homeschool mom may plan her kids’ path- but God will direct their steps. You don’t want to get in His way, but thinking about the long-term picture will empower you to pray and help you make wise decisions.

2) Create some Short-Term Goals

Short-term goals are one-year-at-a-time goals for each year of high school. These will be the areas that you want to cover educationally each year with your homeschoolers. Here are some general thoughts about what to include:

Language Arts/Literature

Think about covering the common literature categories over the 4 years of high school. These common categories are typically recognized as British Literature, World Literature, and American Literature (in no particular order). Then add other categories that interest you and your teen, like Great Christian Writers, C.S. Lewis Studies, or why not blend topics for more general studies? Be sure to include vocabulary study, but incorporating that into your literature study is fine; using literature study guides is a great way to do that AND build a basic skill set for literary analysis.

Language Arts/Writing

Each year needs lots of writing of various types. Be sure to include a Research Paper, several Essays, and varied types of Creative Writing (poetry, short stories,journal entries, letters, song lyrics).

Grammar can either be learned using a stand-alone curriculum or (for students who have already mastered the basics) by editing their writing assignments and learning the nuances of good grammar as they correct their mistakes.


Include Algebra I, II, Geometry, and Financial Literacy (higher maths or business math may be a good choice according to your homeschool high schooler’s strengths and needs).

Social Studies

Most families study American History, World History (try integrating World History with Philosophy for a meaningful course!), Civics, Economics, Geography, Social Sciences (courses like Psychology or Sociology), and special topics of interest. These don’t need to be studied in any particular order, but make sure you spend time each year earning a credit of Social Studies.


The commonly required sciences with lab experiments are Biology, Chemistry, and Physical Science (or Physics). Additionally, consider studying Health (or Human Development), specialty Courses such as Advanced Chemistry, Anatomy and Physiology, Astronomy, Environmental Science, or others that fit with your child’s plans for college or career after graduation.

World Languages

It doesn’t matter which language you pick, but your student needs 2 or 3 years of the same language for the high school transcript.

Fine Arts

Music, visual art, dance, drama, photography…so many options, and one credit  is the absolutely minimum.

Phys Ed

This can be earned in many ways, but your teen needs at least 2 years of credits.

Career Exploration

This is one of the most valuable AND most-often-overlooked courses in high school. Varied numbers of credits need to be earned according to student needs. Help your homeschooler recognize what God has already done in his/her life and where He might be leading.


This is material that can be studied in many ways; choose an approach that fits your family.

Drivers Ed

You don’t want to play chauffeur the rest of your life, do you? 🙂


Elective courses are the ones where you get to choose what will uniquely complement your teen’s personality, areas of interest or passion, calling from God for ministry, and more. Use these to develop skills/talents, explore new areas of development, or add power (SPARKLE) to the high school transcript making it extra-attractive to colleges.

Planning for high school success means considering the generally agreed-upon requirements for a high school education AND considering the unique needs of your teen and your homeschool family. By giving both considerations time and importance, you will find the plan coming beautifully together for homeschool high school!


If you enjoyed this blog, please check out The Homeschool High School podcast on the Ultimate Homeschool Radio Network!

Sabrina and Vicki are your Big Sisters as they share the experience they’ve gained in over 20 years of homeschooling. They are the talky-2 of the 6 Sisters at 7SistersHomeschool.com. They are often joined by their other sisters, Kym and Marilyn OR other 7th Sisters! When YOU join us at The Homeschool Highschool Podcast, YOU will be our 7th Sister, too! Hooray!!

Come be our 7th Sister each week for The Homeschool Highschool Podcast, Tuesday mornings at 9:00 am EST!

HSHSP Ep 117: Create a Great Transcript Using Levels in 7Sisters Curriculum

This week on HSHSP Ep 117: Create a Great Transcript Using Levels in 7Sisters Curriculum!

Create a Great Transcript Using Levels in 7Sisters Curriculum

HSHSP Ep 117: Create a Great Transcript Using Levels in 7Sisters Curriculum

You’ve probably noticed that there is a LOT of difference in homeschool high schoolers. They have different:

  • Interests
  • Abilities
  • Goals

Teens have different goals:

  • Teens who are headed to competitive colleges or state universities, need competitive transcripts.
  • Teens who are headed to community colleges or smaller, less competitive colleges need solid transcripts.
  • Teens who are headed into the workforce need life and career preparation more than competitive core classes.
  • Teens who needed remedial work needed to concentrate on that.

We also know that our teens have different interests. We need to put emphasis on the areas they want to explore by increasing the *levels* of their interest courses. You can’t *Level 5* every interest area, but you can choose some. Talk to your teen!

You can tailor the homeschool transcript to meet each individual needs by teaching courses at the *level* of your teen’s needs. This doesn’t mean that you haven’t allowed them to face challenges. It simply means you are wise enough to find your teen’s sweet spot in education to have a well-rounded transcript with challenges in the appropriate areas for them. If you haven’t listened to Episode 116: What Are Levels on the Homeschool Transcript, be sure to catch up!

7Sisters Literature Guides include instructions for enjoying our popular Literature Guides at Level 1 (Remedial), Level 2 (Average), Level 3 (College Prep), Level 4 (Advanced), Level 5 (Honors). Each guide covers only one or two literature themes so we don’t kill the book. There is also vocabulary, a little background information, comprehension and inferential questions. Use higher levels for college bound teens who are English, Communications, History, Humanities majors. Use Level 2 for a workforce-bound teen, adapt by using questions as discussion rather than writing (see each Literature Guide for more Level 2 information). Level 1 (Remedial) is for teens with learning difficulties, so do the guides together choosing which questions and vocabulary are useful to them; also use adaptive technology for listening and writing.

7Sisters Elective Courses:

Introduction to Psychology from a Christian Perspective. The text includes a grid that tells you how to handle each level. The text is written at Level 2, so it is fun and comfortable to read for most homeschool high schoolers. Each chapter includes extra activities and exercises that will enrich the course and help level-up the course (or come up with your own). The higher the Level the student desires, the more meaningful activities the student will complete.

Human Development from a Christian Worldview. The text includes a grid that tells you how to handle each level. The text is written at Level 2, so it is fun and comfortable to read for most homeschool high schoolers. Each chapter includes extra activities and exercises that will enrich the course and help level-up the course (or come up with your own). The higher the Level the student desires, the more meaningful activities the student will complete.

Check out Cathy Duffy’s Review of American History. It is in-depth and helpful.

Join Sabrina, Vicki and Kym for more details than you can capture in words here! Also, enjoy these posts:

An Authoritative Guide to Literature for Homeschool High School

Create a Great Career Pathways Credit for Teens Interested in Psychology

Fun & Useful Elective: Combining Human Development and Early Childhood Education


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HSHSP Ep 117: Create a Great Transcript Using Levels in 7Sisters Curriculum

HSHSP Ep 74: Nuts and Bolts of Starting Homeschooling in Highschool

This week on the HSHSP Ep 74: Nuts and Bolts of Starting Homeschooling in Highschool.

HSHSP Ep 74: Nuts and Bolts of Starting Homeschooling in Highschool

HSHSP Ep 74: Nuts and Bolts of Starting Homeschooling in Highschool

More and more families are beginning the homeschool journey during the highschool years. Do you know anyone who is just starting out in one of the highschool years?

If so, let them know about this episode: Starting Homeschooling in Highschool!

Many parents feel intimidated when they start homeschooling highschool with their teens, especially if they are bringing their teens home from traditional schools. Don’t fear! 7SistersHomeschool.com’s own Sabrina, Marilyn and Kym share from years of experience the nuts and bolts of homeschooling highschool.

In this episode the Sisters share:

  • What credits do your teens need for graduation?
  • What credits do they need for college attractiveness?
  • If you’re bringing your teens home after they have already started highschool, how to transfer credits.
  • What do STEM students need for college attractiveness?
  • How to show transfer credits on the transcript.
  • Choosing which credits to cover and how to cover.
  • Will there be holes in their education?
  • How do you handle World Languages?
  • How complicated is it to choose Language Arts credits? Elective credits?

Join us for fun and encouragement in starting homeschooling in highschool!



Homeschool High School Transcripts- the 26 Credits Needed for Graduation

How My Teens Made College-Attractive Homeschool Transcripts

Did We Miss Anything? Plugging the Holes in the Homeschool Transcript


HSHSP Ep 74: Nuts and Bolts of Starting Homeschooling in Highschool

HSHSP Ep 65: Homeschooling in UK and US

HSHSP Ep 65: Homeschooling in UK and USHSHSP Ep 65: Homeschooling in UK and US

We’re SO excited for Episode 65! We’re talking to our friend, Kat Patrick today!

Kat has lived for 25 years and homeschooled her kids in England (United Kingdom). Her family’s recent move to Texas is quite a change for them!

She is chatting with us about the differences in homeschooling between the UK and the US! Things are quite different there but homeschooling is popular. You don’t want to miss this fun geography lesson!

Kat is a fascinating person. She earned her PhD in English from the University of Delaware, the very university where several of the HSHSP team’s homeschool graduates are going to college. She moved to England and has enjoyed 25 years there.

When her teens began homeschooling highschool, Kat found that she needed to develop her own English course for her homeschool highschoolers because she couldn’t find a best-fit course for them. That course soon became an internet program with students all over the world. You can check her program out at Dreaming Spires Home Learning.

Dr. Kat Patrick adventuring in the US. Used with permission.

Dr. Kat Patrick adventuring in the US. Used with permission.

Kat blogs at boyschooling.blogspot.com. She is a contributor to Learning Tangent homeschool magazine.

Here’s a wonderful article about Kat’s family and their homeschool that was done by a major newspaper in UK (the SAT that article refers to is more of an achievement test, not a college admissions test).

Join us for this wonderful chat about the difference between homeschooling in England and US.



How to Keep Your Homeschooled High Schoolers Happy

When your homeschooled child enters or will soon enter high school, their happiness becomes critical to ensuring the success of your homeschooling. Obviously, we can’t base all our choices on what will make our kids happy. But doing what we can to make the high school years enjoyable is an important way of expressing love for our children. Here are my top tips.

How to Keep Homeschooled High Schoolers Happy


Read the blog post

Watch the YouTube video

Lessons Learned from Homeschooling High School

7SistersHomeschool Use code SANITY for 20% off through June 6th, 2017. Check out the FB Live review and giveaway. Comment to enter until on Tuesday, June 6th.

Should you send your child to school?

Listen to the podcast episode I did on talent education

read the post Vicki Tillman wrote on high school electives

listen to the podcast episode on ADD

listen to the episode on the #1 question homeschoolers ask me

Read The Defiant Child by Dr. Douglas Riley.

Always consider hormones as a factor.

too much of a desire to play video games.

working with professionals as a homeschooler

Do you have other tips for keeping homeschoolers happy? Comment here or on Facebook.

Homeschool High School? Yes You Can!


How You Can Homeschool High School

Are you worried you won’t be able to homeschool high school even though you’d really like to? This episode will give you the courage you need.

Teaching Tip of the Week

How to Discover & Develop Your Child’s 1st 100 Hours of Talent E-Course

The Organized Homeschool Challenge of the Week

The Hospitality Challenge


Homeschool Sanity on Pinterest

Pennsylvania Homeschoolers
Lee Binz on College & Scholarships
HSLDA guide to high school coursework
The HomeScholar help with transcripts
Hal & Melanie Young on Homeschooling High School? Why Not?

Periscope Viewers

Lori at Misokie.com

Next Week

What to Teach Your Children About Obesity