Home with the Kids Blog » Education

How Vulnerable Are You Financially?

Stephanie — Tue, 13 Jul 2010 15:37:39 +0000

Most stay at home moms are proud of their status, and should be. It takes a serious commitment to be there all day for your family and rely on someone else’s income. That doesn’t mean you shouldn’t have plans for the many uncertainties in life.

This is something to discuss with your husband. You should have a plan agreed upon for the many issues that can happen to a family that relies upon a single income, such as the loss of a job, death or injury of either spouse. These aren’t fun things to think about but that means only that it’s all the more important to have a plan in place.

The stay at home mom or dad gives up a lot. It’s years of work lost, which has a major impact on one’s career. It’s less money for retirement. It’s falling behind in the field that you used to work in.

Stay at home parents should take the time to limit their financial vulnerability.

Stay at home parents should take the time to limit their financial vulnerability. It’s not all about finding a work at home job either, although that can help.

Continue Your Education

Keeping up with your field is important if you want to go back to work someday, especially if you worked in an industry that changes a lot. Take classes online, through a community college or technical school.

You don’t have to stick with whatever you have experience with, of course. You can use your time to study for the career you’ve always wanted.

Pick a course that will give you the flexibility to be there for your family. You don’t want your school time to take as much time away from your family as a career would if your goal was to raise your kids on your own.

Set Up a Retirement Account

Your long term well being is important to your family.

You don’t have to rely on an employer to have a retirement account. Include this as one of your needs when you’re a stay at home mom. Your long term well being is important to your family too.

This isn’t easy in many cases. It’s incredibly easy to neglect. Do your best.

Ideally this should be a part of your monthly budget. Have a certain part of your family’s income go into your retirement fund. Your spouse probably has one through work – don’t you deserve one too?

Start Working from Home

Yes, I said it’s not all about working from home, but we’re talking about not being financially vulnerable, not only for your own sake, but for the sake of your family. Even having a small home-based income is protection against bad times.

Even having a small home-based income is protection against bad times.

How dedicated you are to earning money from home depends on your needs. If your family needs the money now, you’re going to have to be very dedicated. If it’s more to keep your work skills up, you may not need to work so very hard at it.

Even if your at home income doesn’t equal what your family needs to get by, it’s going to be a help if times get rough. It’s something you may be able to build upon if your family suddenly needs that income.

If you’re planning on working outside the home as your children get older, take that into consideration when you work at home. Do things that will look good on your future resume.

If you’re planning on staying home longer than that, find something to do that you will love doing from home for the long run. Building a home business can be a lot of fun and you never know if it will take you somewhere.

With any luck at all, you’ll never need your financial backup plans. But wouldn’t you rather have them ready?

Can a Home Business Save You Financially?

Disappointed That My Daughter’s Class Didn’t Watch the President’s Speech

Stephanie — Wed, 09 Sep 2009 10:53:27 +0000

I’ve been watching people just about throwing fits about President Obama making a speech that schools could choose to show students. The controversy amazed me. I get that the original suggested discussion points for teachers weren’t exactly well done, being too focused on the President for many people’s comfort, but an awful lot of people seemed to be having fits over the fact that he was speaking to students at all.

Never mind that he’s not the first United States President to address a speech to students.

I’ve heard terms such as indoctrination, cult of personality and so forth thrown around about this speech. Never mind that it was just a speech about working hard in school and they fixed the suggested curriculum.

I truly loathe it when misinformation is deliberately handed out about these things. My inlaws were convinced that this was REQUIRED for all schools to show, which was never true. If you can’t complain about these things honestly, maybe the problem isn’t all that big!

I read the text of the speech. There really wasn’t anything political about it. Just a standard work hard in school sort of speech, the kind of thing that kids need to hear and probably tune out anyhow.

My daughter’s only in second grade, and I would love for her to be hearing that kind of thing from more than just Mommy and Daddy. She’s a good student but some lessons it doesn’t hurt to hear from multiple sources.

Frankly, a good, non-political, back to school speech from any President is something I would let my kids hear, even if I didn’t agree with that President’s politics. Some things aren’t about politics. And if something is said that I disagree with, that’s what talking to my kid is all about.

Read Together – Free Fun Fridays

Stephanie — Fri, 12 Jun 2009 13:14:43 +0000

I just realized that I’ve been doing this Free Fun Fridays thing for over a year now. Not quite 52 posts of it, as I wasn’t too regular at first, but still quite a number of posts.

This week’s suggestion I can’t believe I haven’t made before. Read together.

With younger kids, you can read to them. If they know the story from having it read so often, encourage them to fill in the lines by pausing at points you think they know.

Take turns reading with older kids. It can be sentence by sentence, paragraph by paragraph or page by page, depending on what you think will work for your child’s skills.

Tutoring – Weekly Work at Home Job Idea

Stephanie — Mon, 08 Jun 2009 12:19:41 +0000

Do you love teaching? Do you have the qualifications to teach on a particular subject? Why not be a tutor?

Tutors work at many different education levels. It’s not all K-12; college students need tutors too.

Qualifications/Training Needed?

Qualifications vary on the type of tutoring you want to do. Some may require that you be a credentialed teacher. Others may only want you to have a college degree.

You can work for a tutoring service or seek out your own students.

Job Duties

You may work regularly with particular students or be available at particular times for whichever students come looking for help.

The basic job, of course, is to help the students improve in whatever subject you are tutoring.

Your hours may be very flexible, but you have to be available at times that people are going to want a tutor.

Equipment Needed

If you’re an online tutor, you’ll need your computer and high speed internet access.

Where to Search for Jobs

Education job listings at Home with the Kids
Craigslist (beware of many, many scams!)
Hire My Mom
Home Job Stop
Elance
Guru
College campus bulletin boards if you’re going to tutor local college students. Post your information.

Related Scams

Tutoring is of course subject to the usual “pay to show your interest scam,” but there’s another interesting possibility.

You answer an ad for a tutor, and are told that you will be paid by certified check. They want you to cash the check, take out your pay and send the balance on to someone else.

This is related to the mystery shopping scam or payment processing scam where they tell you to take your mystery shopping pay out of the check. It’s fraudulent, and you are suddenly responsible for the money. Worse, you can face criminal charges.

How Important is Homework?

Stephanie — Tue, 07 Apr 2009 15:15:25 +0000

Using StumbleUpon the other day, I came across an article on arguments against homework. The article’s a few years old, but schools still give so much homework I found it interesting.

In first grade, my daughter gets 4 nights of homework a week. She has a total of 3 pages of math plus 3 assignments to help her learn a spelling list of 9 words, plus 20 minutes of reading a night.

I have to admit, I like the 20 minutes of reading a night. So does she. We often go over on that one. She even reads on her own sometimes.

But I found it very interesting that there’s no evidence that homework in the early years has any benefit at all.

Just think about it. Kids spend about 7 hours at school, then have to do homework too. That’s a pretty tiring day for a kid. And very little time for play.

It’s not an easy thing for schools to admit that homework might not be worthwhile, especially when they’re under so much pressure to show great academic results. It’s a rather troubled system these days.

My own feelings on this topic are pretty mixed. There are some areas where my daughter definitely needs improvement, but the main one is penmanship. She’s a sloppy writer even for a first grader. Then again, I’m not that neat a writer either.

But I’m also starting to get this feeling that if I wanted to spend time helping my daughter learn, I may as well homeschool. It would take more of my day, but less of hers and let her be more of a kid. If that made for a better attitude toward learning, it would be worth it. Just now she feisty, to put it kindly, about a lot of topics, and work in class and at home can take her far longer than it should just because she’s bored.

The trouble comes from homework that is more or less busy work. In the lower grades it’s hard for teachers to assign anything else. It can be more effective, I gather, in high school.

At any rate, I’m thinking more teachers and school administrators need to read The Homework Myth: Why Our Kids Get Too Much of a Bad Thing. So do parents. It’s worth questioning the worth of most homework assigned.