Teaching Children to Manage Money with FamilyMint

There are so many things that I would love for my children to master before they leave our home.  While there are some things they will just have to learn on their own by making mistakes and learning from them I would love to give them a strong foundation so that those mistakes can be minimized or at least not be devastating.

There are a few crises going on right now with our young people in this country.  On of them is the fact that so many do not know how to manage their money.  There are so many people going further and further into debt until they are in such a financial hole that they cannot climb out.    This was us at one point, but thankfully we are doing much better.  As of this month we have finally become DEBT FREE except for our home mortgage!  It was not an easy road, but it’s done and we are so thankful  We have no intentions of going back into debt, and I want to teach my children those same principles.

Learning to manage your money is not just something that “clicks” once you move out and get a job and have bills to pay.  Once that happens the credit card “offers” start coming in and before you know it you’re in huge debt and paying the minimum payments on credit cards that will take years to pay off.  This is why I believe there is a HUGE need for a curriculum for homeschoolers and families to help teach our children how to handle their money.  We can tell them what to do, but until they try it for themselves they just don’t exactly “get it”.

FamilyMint has stepped up in a huge way to meet that need with the FamilyMint Money Management Certification Program.

What is FamilyMint?

The FamilyMint Money Management Certification Program is A Complete Step-by-Step Program for Learning Money Management.  FamilyMint will teach your child the following very important concepts:

  • Tracking their money
  • Creating SMART goals
  • Easy budgeting
  • How interest works
  • And much more!

There are 2 parts to the FamilyMint Money Management Certification Program.  There is a workbook that you can go through with your child which has exercises and activities they can go through that will teach them about managing their money.  The workbook is ideal for kiddos ages 10 and up so I chose to use it with my oldest who will be 11 in July.  He was very eager to get started!

The second part of FamilyMint is their online application that allows your children to put what they are learning into action.  They can keep up with their allowance or other money coming in and set savings goals.  You can set up multiple children on one account so it’s really great for families like mine with multiple kiddos.

I really love how you can use the workbook along with the online application.  My oldest loves doing things on the computer much more than filling out worksheets on paper so I am so glad that there’s the option to do many of the activities online rather than in the workbook.  My son keeps his workbook next to him as he works along with the online application.

It took me only a few minutes to get my 2 oldest boys set up on FamilyMint.  The very first thing my oldest wanted to do was change his avatar to a picture of himself.

We already have a chore system in place.  We use an iPod application for the kiddos to track their chores each day as they are done.  They receive points for each chore and at the end of the week they can trade points for screen time or money.  FamilyMint will be a GREAT place to keep track of the money that they are earning.

We then deposited the balance of Elijah’s piggy bank into his account, and he wanted to set up a savings goal.  He’s been wanting a Wii U for a while now, and so he’s going to start saving up for one.  Reality kicked in when he saw that it was going to take him until next May to save up for it if he saves half of his allowance.  I LOVE how FamilyMint automatically calculates that for you.  I pray that he is able to meet that goal because I think it will teach him many good things like patience, perseverance, etc.  He also added a shorter term savings goal for a small toy he’s been wanting to buy.

The FamilyMint Money Management Certification Program starts the child off with teaching them to track their money, and then moves along to setting goals and setting up a budget (So Important).  I wish I’d had a  program like this when I was younger.  It certainly would have kept me from making so many financial mistakes as I “learned as I went a long”.

In Summary, Here are my favorite things about the FamilyMint Money Management Certification Program:

  • It is an easy to use but VERY affective program that will teach your children how to manage their money.
  • The program actually walks them through doing it rather than just telling them about it.  This is great for most folks who can learn better by doing.
  • I love the online application portion.  It is a perfect fit for our family.
  • It is a great bargain at only $29.99 for the entire program!

I would definitely recommend this program to anyone who would like to help their children understand the value of being good stewards of what God has given them!

Disclaimer:  I received a copy of The FamilyMint Money Management Certification Program in order to facilitate this review as part of the Homeschool Mosaics Review Team.  However, all opinions and stories in this review are mine.



Reading Lesson at The Creation Museum

We had an opportunity to go to The Creation Museum in Kentucky a few months ago, and it was an absolutely wonderful experience.  One of my favorite features of The Creation Museum is the gardens.  They are absolutely beautiful!  My children love walking through and seeing the wildlife, and getting up close with God’s creation.

One of the things that is so special about The Creation Museum Gardens is the presence of Scripture. There are verses scattered in various places throughout the gardens reminding us of The Lord’s Words while we are enjoying His creation.

I was looking through photos from our trip, and I found this video that I made from an impromptu reading lesson while we were in the gardens. This video is such a blessing to me as it reminds me of the wonderful time our family had.


Isaiah 61:11 For as the earth brings forth its sprouts, and as a garden causes what is sown in it to sprout up, so the Lord GOD will cause righteousness and praise to sprout up before all the nations.

Sweet Kids.


Silly Kids


This post is linked up at Homeschool Link Up Fridays.

Curriculum Sale

I have accumulated quite a collection over the years of excellent homeschool curriculum.  Some we have used, and some didn’t work for us, but I have lots to sale right now:)

I accept Paypal only.  Fill out the form below with interest.  Items will be shipped via media mail.

My Father’s World

Adventure’s in My Father’s World First Edition: Includes Student Sheets and The Story of Us — $60 Shipped

My Father’s World From A to Z Kindergarten Teacher’s Manual $40 shipped


Note:  None of these are the latest versions, but I compared the schedules to the current samples on the Sonlight site and they still use most/many of the same resources.  All have writing on some pages.

Grade PK 4/5 Exploring God’s World: Not the Current Version, $15 Shipped

Grade K Intro to the World Cultures: Also includes Language arts and Readers Schedule.  Not the current version.  $28 Shipped

Grade 1 Intro to World History (Four Civilizations) Instructor’s Guide:  This is an older version of the Core A product found here.  There are notes handwritten on the pages.  Includes History, Math, and Reader Schedule – $28 Shipped

Grade 2 Intro to World History Instructor’s Guide: Not the Current Version $28 Shipped



Writing Strands Level 3 $8 shipped

Tapestry of Grace Writing Aids – Book only, no cd $15 shipped

Peak With Books: An Early Childhood resource for Balanced Literacy $15 Shipped

First Language Lessons level 1, Like New $10 Shipped

Honey For a Child’s Heart $6 shipped

The Well Trained Mind, 1st Edition hardcover $12 Shipped

The Latin Centered Curriculum Like New $6 shipped

Charlotte Mason Companion Used Condition(some writing on front) $8 shipped

Winterpromise Hideaways in History (Previous Version):  Also includes On-The-Spot History Fun.  $40 shipped


This sale is linked up at The Happy Housewife’s Used Curriculum Sale.



Streamlining Our Homeschool – Switching Curriculum

I’ve always been what I would consider an eclectic homeschooler.  Maybe it’s because I have such a hard time making up my mind about things.

There are things I love from Classical Homeschooling and other aspects I love from the Charlotte Mason Method.  We also tend to do a lot of unschooling around here especially in the early years, but I throw in a workbook or 2 every now & then as well.

Yes I’ve used curriculum like My Father’s World(Love it), Rod & Staff(Love it), and Heart of Dakota(also..Love it).  But…I always tweak, do different things for different kids, etc.

This method(or unmethod) has worked well for us up to this point.  My kids are enjoying school and increasing their knowledge at the same time.

However…I am ready for some more structure in our homeschool.  Here’s Why:

  • I’d like to get started with the a chronological history cycle.
  • I want to teach them Latin(and learn it myself)
  • I want to simplify our homeschool – I need a schedule right now that someone else made.  I want to be told what to do and when to do it (for now anyway;)
  • My kids are excited about something new.

With all that said I am doing something that I’ve never done before in our family’s homeschool history.  With much prayer and Bryan’s approval we are going with a certain company’s curriculum, using their lesson plans along with ALL of their recommendations for each subject.  

I know..I don’t have to do that to start the history cycle & teach latin, but I NEED this right now!

I have admired Veritas Press for years, and have used many of their books so when we decided to go with their curriculum it was actually a no-brainer and quite a relief.  Their scholars lesson plans will tell me what to do & when do do it including Latin and the 4 year history cycle. Another HUGE plus is that they recommend Institute for Excellence in Writing products with their scholar lessons.  The ONLY thing I will be adding is Apologia Zoology science since they don’t include it in their lesson plans.

My kids are so excited to get started and so am I!

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Lego Math Drills

This little exercise came about one day when I asked my legomaniac son to work on his math drills. Here’s how the conversation went:

Me: You need to go write your 1, 2 & 3 addition families.

Him: Mom, I really wanted to play legos.

Me: No, you need to practice your math.

Him: Mom, What if I use my legos to practice my math?

Me: What do you have in mind?  Show me.

This is what he came up with……

That’s the 2 family, notice that he used singles for the one & doubles for 2 rather than 2 actual pieces.

I know there are math manipulatives aplenty that use this same idea, but I was very please that he used his creative thinking skills to come up with this on his own.

Mom Approved!

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Labor Day Learning Ideas

Labor Day is celebrated on the first Monday in September of each year. It was established as a tribute to all the hard workers that make up our nation.  As one of the first holidays of the school year I’m planning to set aside a couple of hours this week to teach my kiddos about this important holiday.

Here are a few ideas if you’re planning a  Labor day lesson for your Homeschool or classroom.

Review Labor Day Facts:

  • The first Labor Day holiday was celebrated on Tuesday, September 5, 1882, in New York City
  • Labor Day is a holiday dedicated to the social and economic achievements of American workers.
  • It wasn’t until 2 years later in 1884 that the first Monday in September was chosen as the holiday
  • 10 Years Later in 1894 Congress made Labor Day official in all states.

Scripture Application

Go over 2 Thessalonians 3:6-10 & Discuss.  This scripture warns about the dangers of laziness & idleness, and shows the importance of hard work.

In the name of the Lord Jesus Christ, we command you, brothers, to keep away from every brother who is idle and does not live according to the teaching.  For you yourselves know how you ought to follow our example. We were not idle when we were with you, nor did we eat anyone’s food without paying for it. On the contrary, we worked night and day, laboring and toiling so that we would not be a burden to any of you. We did this, not because we do not have the right to such help, but in order to make ourselves a model for you to follow. For even when we were with you, we gave you this rule: “If a man will not work, he shall not eat.” you received from us. — 2 Thessalonians 3:6-10

Make it Personal

This is a good chance to ask the question “What do you want to be when you grow up?”. Depending on the age and choices you can discuss/research their chosen professions. Discuss certain aspects of the jobs.

  • Here are a few discussion questions to get you started:
  1. What type of uniform or clothing would a person in that job wear?  Why?
  2. What are the basic duties of someone in that position?
  3. Why do you want to be one when you grow up?
  • Have them draw a  picture of somone working in their chosen jobs.

I’m sure I’ll have a wide range of choices to discuss like Inventor, Scientist, Firefighter, Policeman, Daddy, and not to forget the little girl who wants to be a princess & a mommy when she grows up.

Do an Activity

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Buying Used Homeschool Curriculum

I’ve been asked this several times lately so I thought I’d write a little post about it. One of the biggest costs when homeschooling is purchasing curriculum.  It’s very disappointing when you find the perfect curriculum, but just can’t quite swing it.

I have several resources I go to to try to find what I’m looking for used.  You can usually get a great deal while also helping another homeschooling family purchase for the next year.  Here are a few of the places I use:

Yahoo Message Groups also has several groups dedicated to certain curriculums:

Check out the My Father’s World Swap Group.  Looking for Sonlight?  There’s a Sonlight Group Too!

Neither of those interest you? Go to the Yahoo Groups Main Page & search for your curriculum to find a group.

I do feel that I should add this one little warning.  I’ve ordered tons of curriculum through these sites & have mostly never had any problems.  Most homeschoolers are very honest, but due to one bad transaction I always ask for shipping insurance just to be safe if you’re making a big purchase.  It’s not much, but worth it IMO.

I’m sure that’s not all.  Do you have any to add?  Please leave it in the comments!

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