Categories
Frugal

Great Ways To Save

Ebates – Get Cash Back on your online shopping. Swagbucks – Get Free Gift Cards for shopping, surveys, and web searches. Shop “Used” first – Consignment, thrift stores, Ebay, used books, Amazon, Flea Markets, etc… Loyalty cards – Grocery stores, department stores, etc..  Receive discounts and coupons directly. Coupons – Digital, paper, and apps.  Search for apps for all the places you shop.  You’ll find great savings in unexpected places. Online shopping/comparisons – Know the lowest price before you make a purchase.  You may be able to combine coupons and free shipping or even get it cheaper locally. Small Local Shops – Get to know your local dealers.  They often are negotiable and offer great service.  You can find wonderful products, fresh organic produce, and more! If you use Credit Cards, shop around for the best rewards program that fits your family’s needs.  We use the Kroger 123 card and get Kroger Cash Back and wonderful coupons on foods that your family actually eats.  Our Amazon Prime credit card also rewards us with free money to spend at Amazon.  If you fly a lot, look for a card that gives Airline Miles. Cash Back from Ibotta.  This offers cash back from your retail receipts.  This is also now connected to Amazon. Disclosure: affiliate link included. @2017, copyright Lisa Ehrman

Categories
Homeschool

Why Homeschool Moms Should Care About Scripture Memorization

I’m honored to present this guest post to you from Dakota Lynch of Scripture Memory Fellowship.  Mr Lynch is the IT &Communications Manager, and has been a wonderful help to the homeschool community.  Please enjoy his thoughts on Scripture Memorization and visit the Scripture Memory Fellowship website to see the amazing program there.  Over the last two years, I’ve traveled to homeschool conventions and book fairs across the country. As I chat with dozens of homeschool moms at each of these events, I frequently turn to their young children and ask if they can quote any Bible verses. Of course, John 3:16 or “Jesus wept” is recited quickly by most, but when asked if they know any others, the response is often disheartening: blank stares, sheepish grins, and a somewhat embarrassed parent.  Granted, most of these kids are being raised by well-meaning parents who want more than anything for them to know Christ and embrace a biblical worldview. But tragically, many parents mistakenly think they can do this without teaching the actual words of Scripture.  This might seem like a minor omission at first, but it couldn’t be any more serious. Why? Because a biblical worldview cannot be said to exist apart from a deep and wide knowledge of God’s actual words. We cannot omit the study and memorization of God’s Word from Christian education any more than we could omit the Constitution and Founding Fathers from our study of American history. Without God’s Word, Christian education is not Christian education at all, but moralized secularity.   Of course, you probably already believe memorizing Scripture is important. After all, the whole reason you decided to homeschool in the first place is likely because you place some value on the Bible’s principles for living. Scripture memory, then, automatically gets your parental stamp of approval. “Sure, memorizing Bible verses is a good thing,” we say — yet relatively few of us make it an integral part of our lives. The problem, as is so often the case, comes down to prioritization. It’s one thing to mentally assent to the value of knowing Bible verses; it’s quite another to stop what you’re doing and make a focused effort to memorize a few. We know memorizing is important, but we tend to put it in the same category as exercise and eating healthy. Running three miles and then eating a salad is admirable, but sleeping in and having a donut probably won’t kill us, right?  It’s not that we fail to see the importance of memorizing Scripture; it’s that most of us fail to see the indispensability of it. And if you are homeschooling your kids in hopes of them embracing a biblical worldview as adults, then knowing God’s Word is foundational to the success of your homeschool. Let me say that again, just in case you missed it: if you are homeschooling because you want your kids to have biblical values, then instilling the actual words of Scripture in their hearts is vital. At Scripture Memory Fellowship, our mission is to motivate and equip believers to memorize God’s Word. Over the years, we’ve learned that a few simple steps will get your family on the road to successful Scripture memorization:  First, decide what you’ll memorize. Goals and deadlines are part of every core subject, and Scripture memory should be no exception. So, set a definite goal with specific verses to memorize.   Second, set a target completion date and share your goal with at least one person outside your immediate family. That added measure of accountability will help you stay on track for the long haul.  Third, make a weekly appointment with a well-chosen person to hear you recite until your goal is reached. If you’re not sure where to start, our Jonah memory program is great for beginners and is especially suited for integration in any homeschool program. Details and signup info are at scripturememory.com/start.  Whatever your family chooses to memorize, I can guarantee you’ll be richly blessed as you resolve with the psalmist, “I will delight myself in Your statutes; I will not forget Your word” (Psa. 119:16). 

Categories
Organization

How To Create A New Schedule

After my husband retired, our routine was gone and replaced with nothing.  We started staying up much later and sleeping in.  He quickly got caught up with his sleep and was appearing more rested.  But, after some time, he began to realize that nothing was getting accomplished in his life. His goal of writing was getting no where, because he had no schedule to keep him on task.  His lack of schedule was also making me use that as an excuse to be less organized with my time.  We both decided we would like to be more disciplined with our time and be more productive. I read online to see what other people were doing to create schedules in retirement.  There are many different ways to set up schedules.  We decided to just follow an easy approach.   1. We wrote down all the things we wanted to accomplish each week and month. 2. We took a blank computer calendar and decided how to spread these goals into practical, doable actions.  We placed the actions onto the calendar in their amount of importance.   (Ex.  Writing time- he decided how many hours a day he needed to write and added those on the calendar.)   3. We went over the calendars together to create time to do things together and to make sure we didn’t overwork or over commit ourselves.  We wanted to make sure that there was “margin” included in our lives.  Margin is important for rest, reflection and sanity. Using a digital calendar is helpful, because the schedule may/probably will need tweaking along the way. Schedules aren’t created to rule our lives, but to guide us into productivity and protect us from chaos.   Android Apps offer many digital ways to keep your schedule with you at all times.  Here are a few to check out: TimeTune is free  Planner Pro-Personal Organizer Planner Pro- Daily Calendar & Personal Organizer  also has this app for iPhone Because my laptop is Mac and my phone is Android, I prefer to use my Google Calendar which is also on my phone.  That way it syncs perfectly!   What are your favorite ways to stay organized?  Do you keep a schedule? @2017, copyright Lisa Ehrman

Categories
Frugal

Senior Deals

Applebee’s: 15% off with Golden Apple Card (60+) Arby’s: 10% off ( 55 +) A & W All American Food: 10% Ben & Jerry’s: 10% off (60+) Bennigan’s: discount varies by location (60+) Bob’s Big Boy: discount varies by location (60+) Boston Market: 10% off (65+) Burger King: 10% off (60+) Captain D’s :Wednesdays (62+)Specials Deals Chick-Fil-A: 10% off or free small drink or coffee ( 55+) Chili’s: 10% off ( 55+) CiCi’s Pizza: 10% off (60+) Denny’s: 10% off, 20% off for AARP members ( 55 +) Dunkin’ Donuts: 10% off or free coffee ( 55+) Einstein’s Bagels: 10% off baker’s dozen of bagels (60+) Golden Corral: 10% off (60+) Hardee’s: $0.33 beverages everyday (65+) IHOP: 10% off ( 55+) Jack in the Box: up to 20% off ( 55+) KFC: free small drink with any meal ( 55+) Krispy Kreme: 10% off ( 50+) Long John Silver’s: various discounts at locations ( 55+) McDonald’s: discounts on coffee everyday ( 55+) Mrs. Fields: 10% off at participating locations (60+) Old Country Buffet 55+ Papa Johns Ponderosa Steak House 60+ Shoney’s: 10% off Sonic: 10% off or free beverage (60+) Steak ‘n Shake: 10% off every Monday & Tuesday ( 50+) Subway: 10 off at manager’s discretion (60+) Taco Bell : 5% off; free beverages for seniors (65+) TCBY: 10% off ( 55+) Waffle House: 10% off every Monday (60+) Wendy’s: 10% off ( 55 +) White Castle: 10% off (62+) This is for me … if I ever see one again. RETAIL  Banana Republic: 30% off ( 50 +) Belk’s: 15% off first Tuesday of every month ( 55 +) Big Lots: 30% off Bon-Ton Department Stores: 15% off on senior discount days ( 55 +) C.J. Banks: 10% off every Wednesday (50+) Dress Barn: 20% off ( 55+) Goodwill: 10% off one day a week (date varies by location) Hallmark: 10% off one day a week (date varies by location) Kmart: 40% off (Wednesdays only) ( 50+) Kohl’s: 15% off on Wednesdays (55+) Michael’s 10% of purchase Rite Aid: 10% off on Tuesdays & 10% off prescriptions Ross Stores: 10% off every Tuesday ( 55+) The Salvation Army Thrift Stores: up to 50% off ( 55+) Stein Mart: 20% off red dot/clearance items first Monday of every month ( 55 +) TJ Maxx 10% on Monday (55+) GROCERY Albertson’s: 10% off first Wednesday of each month ( 55 +) American Discount Stores: 10% off every Monday ( 50 +) Food Lion: 6% off every Monday (60+) Fry’s Supermarket: free Fry’s VIP Club Membership & 10% off every Monday ( 55 +) Harris Teeter: 5% off every Tuesday (60+) Publix: 15% off every Wednesday ( 55 +) Rogers Marketplace: 5% off every Thursday (60+) TRAVEL  Airlines: Alaska Airlines: 50% off (65+) American Airlines: various discounts for 50% off non-peak periods (Tuesdays – Thursdays) (62+)and up (call before booking for discount) Southwest Airlines: various discounts for ages 65 and up (call before booking for discount) United Airlines: various discounts for ages 65 and up (call before booking for discount) U.S. Airways: various discounts for ages 65 and up (call before booking for discount) Rail Amtrak: 15% off (62+) Bus Greyhound: 15% off (62+) Trailways Transportation System: various discounts for ages 50+ Royal Caribbean, Celebrity and Carnival cruise lines offer discount rates to cruisers 55+. Car Rental Alamo Car Rental: up to 25% off for AARP members Avis: up to 25% off for AARP members Budget Rental Cars: 40% off; up to 50% off for AARP members ( 50+) Dollar Rent-A-Car: 10% off ( 50+) Enterprise Rent-A-Car: 5% off for AARP members Hertz: up to 25% off for AARP members National Rent-A-Car: up to 30% off for AARP members Overnight Accommodations: Holiday Inn: 20-40% off depending on location (62+) Best Western: 40% off (55+) Cambria Suites: 20%-30% off (60+) Waldorf Astoria – NYC $5,000 off nightly rate for Presidential Suite (55 +) Clarion Motels: 20%-30% off (60+) Comfort Inn: 20%-30% off (60+) Comfort Suites: 20%-30% off (60+) Econo Lodge: 40% off (60+) Hampton Inns & Suites: 40% off when booked 72 hours in advance Hyatt Hotels: 25%-50% off (62+) InterContinental Hotels Group: various discounts at all hotels (65+) Mainstay Suites: 10% off with Mature Traveler’s Discount (50+); 20%-30% off (60+) Marriott Hotels: 25% off (62+) Motel 6: Stay Free Sunday nights (60+) Myrtle Beach Resort: 30% off ( 55 +) Quality Inn: 40%-50% off (60+) Rodeway Inn: 20%-30% off (60+) Sleep Inn: 40% off (60+) ACTIVITIES &ENTERTAINMENT AMC Theaters: up to 30% off ( 55 +) Bally Total Fitness: $100 off memberships (62+) Ask your local Gym about a discount: My husband got a Sr. Discount Busch Gardens Tampa, FL: $13 off one-day tickets ( 50 +) Carmike Cinemas: 35% off (65+) Cinemark/Century Theaters: up to 35% off U.S. National Parks: $10 lifetime pass; 50% off additional services including camping (62+) Regal Cinemas: 50% off Ripley’s Believe it or Not: @ off one-day ticket ( 55 +) Sea World offers discounts if you’re over 50. CELL PHONE DISCOUNTS AT&T: Special Senior Nation 200 Plan $19.99/month (65+) Jitterbug: $10/month cell phone service ( 50 +) Verizon Wireless: Verizon Nationwide 65 Plus Plan $29.99/month (65+). MISCELLANEOUS Great Clips: $8 off hair cuts (60+) Supercuts: $8 off haircuts (60+) Walgreens 15-20% off (55) Some utility companies offer discounts.  You can ask. Jiffy Lube & Midas offer service discounts. Many colleges and universities offer discounts to seniors.  The community college in my area offers cheap audited classes for seniors. This list has been collected by me over the years.  Some of these have been seen on the news.  Some were found online: AARP, and Brad’s Deals & (dealnews.com). Many discounts I found out about on my own, because Hubby is over 55 and now I’m 55.  We won’t use all of these discounts, but it’s good to know where they are in case we need to go to these businesses.  Every little bit of savings can help in retirement.   @2017, copyright Lisa Ehrman

Categories
Homeschool

Homeschooling: It’s Not Meant To Be Easy

During my last decade of being a homeschool mom, I embarked on a journey of graduate school.  Most of the classes were wonderful.  The research classes and history of education classes interested me the most.  If I had more time, I would read more about these topics on my own. Learning about educational methods also intrigued me.  Since I was homeschooling during this time, it amazed me how homeschooling methods were exactly on target for the mastery learning.  Mastery Learning, developed by Bloom, is the newer method that classroom teachers try to implement.  It’s so much more difficult to provide this in a classroom than it is in the homeschool. I felt very good that I was providing individualized instruction as well as assessment.  When the level of assessment met mastery level (90%), then we went on to the next educational level.  Being a homeschooler allows such flexibility, there is no rush to move ahead until the child masters the concepts and content. Most curriculum allows the homeschool mom to use mastery learning.  It’s good when selecting curriculum that you study it to look for quality of content.  If the “text” offers only a few pages and then a test “assessment”  there is not much for a student to master.  This type of curriculum would need to be heavily supplemented.  Sometimes you get what you pay for.  Even for young students, you want to grab their imaginations and create a desire to learn. Be aware and cautious of many in the movement who encourage: fun, play, games, etc.  Please don’t stop reading here.  I’m not suggesting that you must sit in a desk all day.  But, learning isn’t all fun and games.  Becoming a diligent student who masters 12 years of school and who is ready to compete globally, must learn to be a hard worker.  This isn’t accomplished by spending much of your time playing computer math games and going on 20 field trips per week.  (You may disagree with me, and that’s fine.  This post is my opinion.) The wonderful homeschool SAT scores that we hear about are from students who worked hard and got into college.  Even if your child doesn’t go to college, they need to learn to have a good work ethic and have good knowledge of high school subjects.  The homeschoolers that don’t do this, will end up just like their public school peers: not able to get good jobs. Now for positive news:  When homeschool students work hard and complete their courses with Mastery Learning, they have a wonderful opportunity to enter the next step in life without educational hindrances.  My children, and thousands more like them, have stepped straight into college and done well.  Many others have succeeded in other career choices or accepted the beautiful call of wife and mother. Life is not easy when you try to live right.  Homeschooling is one of the hardest things I’ve ever tried to do.  I tried to do it the best way that I could; and made many mistakes.  God blessed me and our children, as we dedicated each year to Him who received all the glory. God bless you and your family as you work and plan your homeschooling for this year. @2017, copyright Lisa Ehrman

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