Thursday, September 13, 2018

Schools Just Need More Money Right!?

How timely to have seen this documentary trailer on a day when the news came out that 14 of our large metro area's schools FAILED based upon Ohio state's report card grading system.  Let me guess, they need more MONEY!?  $$  How amazing that I can homeschool my child with $500 a year (versus the $13K the school gets per child) and produce a student that scores the highest percentile on standardized testing.  And I don't even have a teacher's degree...  Among many other moms producing the same results.  Don't fall for the failing educational system that isn't built upon God.  Don't stand for yet another teacher strike as they bully their demands and hold your child's education hostage.  Take responsibility and train up your children yourself!




You can visit this link to support this documentary: https://www.kickstarter.com/projects/garritthampton/schoolhouse-rocked-the-homeschool-revolution

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Wednesday, September 12, 2018

Take Care of Your 4 Walls

If you have listened to Dave Ramsey for any amount of time, you have heard about the 4 walls.  He recommends you take care of your 4 walls before anything else - always making sure you have your 4 walls!  What are the 4 walls?

  1. Food 
  2. Shelter
  3. Transportation
  4. Clothing

I had always put food and clothing on the back burner in place of other things because those were usually the areas that we could save in.  However, after listening to people's stories and those who didn't tend to these things FIRST, I have changed my thoughts on it.  I wanted to go into detail about each to help you all in case you haven't heard of this before.


1.  Food - this includes enough food for your entire family to live on each month.  I believe it also includes things like toilet paper, soap, etc.  The basics - not extras or luxuries.

2.  Shelter - this includes your housing and utilities.   If you have a mortgage, it also includes your property taxes and homeowner's insurance.  If you don't own a home, it includes rent and renter's insurance.  Then, it also includes electric/gas, water/sewer and garbage and non-luxury phone.

3.  Transportation - This is includes gas, car insurance and maintenance of your vehicle.

4.  Clothing - includes basic clothing needs, such as: clothing, shoes, socks, etc.


Dave Ramsey says to make sure you the 4 walls are funded and paid BEFORE paying anything else, such as credit cards or other debts or non-basic expenses.  Whether you or your husband do the budget, it is a good thing for homekeepers to know these things!

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Monday, September 10, 2018

Just Making It Budget for Family of 4

Times are getting hard for a lot of "former" middle class families, now considered lower class, despite the economy going so well.  I've been reading it and hearing it in various places.  I'm talking about families that are living on one income already without luxuries.  Incomes aren't going up for a lot, though the prices of everything is, especially health care.

I decided to do a no-frills, no government assistance, just-make-it budget for a typical family of 4 on one income to see just what the base salary needs to be.  This family has no debt but the mortgage possibly.  They also have no life insurance, though some say you can get it for $10 a month, which could be easily added in.  

Tithe - $260
Offerings - $50
Housing (rent or mortgage/prop taxes/HO insurance) - $1000
Car Maintenance/Repair Fund - $90
Car Insurance - $50
Gasoline - $150
Home phone - FREE (Google Voice with Obihai)
Cell phone - $25 (Google Project Fi)
Additional Cell phone line - $15
Electric/Gas - $175
Water/Sewer - $30
Garbage - $30
Internet - $50
Food - $350
Necessity items - $50
Clothing - $30

Total:  $2,355/mo - Higher to cover taxes, so $15 an hour needed; $31,200/yr, $2,600/mo

A good wage for a family really needs to be at $15 an hour and no less to just live.  I didn't include health insurance because a lot are already going without.  Families that live at this level, would need to get government assistance for medical if they want to be covered, as it has become too outrageous for almost anyone to afford.

This budget includes no entertainment/fun money, eating out or other things that most of us do.  I suppose you could find a very cheap place to live to lower the housing and provide extra money that way but the norm around the US is about $1K for something decent - whether that is mortgage/taxes/insurance for a home or rent costs.

After seeing this written out, you can see what a lot of people are facing right now.  There are those that will cut out the tithe/offering but they will soon find out that you can't rob God and expect good things to come!  God has never failed in the 19 years I've paid tithe and offerings and never withheld!  It is HIS money to begin with - he lets you have 90%, please don't think your thoughts are higher than what God has established with our finances.


*Leave me a comment sharing your budget or thoughts.  I've hopefully fixed the comments, but I have no idea because some still say theirs doesn't show up.  If you really want to reach me, email me!  ChristianHomekeeper (at) gmail

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Thursday, September 6, 2018

New Life - New Everything!


The new hasn't stopped since we stepped out on faith and followed God's leading for our lives.  As soon as we physically stepped foot on the ground here in this area, we felt the Holy Spirit and a strong feeling inside both of us that we had finally arrived in the place we were meant to be.  It was the oddest thing ever but we sure know we are in God's Will!!  I'm still happy, I still love it here - best place I've ever lived before and the whole family is happy here.  We got a new (first) house, a new (first brand new) car.. a new church, new friends - well you get the idea.

It isn't just all that as we are finding out.  We have even had new adventures from traveling to kayaking and being outdoors more!  I really do feel alive again and healthy.  Our daughter has been flying an airplane, our son is a genius (no really, he is) and taught himself piano, multiplication and the list goes on and on.  People at church quiz him all the time about math equations and he is constantly calculating things - a blessing and a curse I suppose.

After having been stagnant for so long and stuck in what wasn't God's Will for us - it is an amazing feeling when you finally, just really have faith and trust GOD.  There is no better place on this earth than the place that God wants you to be - HE knows what you are put on this earth for!  HE knows WHERE you should be better than anyone, amen!?

If we could have gone back in time and just listened to God, we would have been better off.  We would have went to Nashville when we were 22 but oh well - we will never know what might have been and we got a whole lot of experience and lessons in the process.  Suffering has made me a better person!!  I can relate to SO many different people now, I've been there!

I've stepped into some of the roughest parts of town where my color wasn't welcome and witnessed to people at the Lord's leading.  I've watched God touch people and show me what true love really is.  I've seen a church operating with the gifts and freedom of the Spirit allowed to move!  I've seen miracles in person, seen others and even myself healed on the spot while being anointed and watched the youth get in and seek God and receive and be on fire!  I've watched my daughter come alive and stand up many times testifying about what God has done in her and our lives.  I saw my son healed of his speech delay after our first pastor here prayed on him.  Whew... you all, it doesn't stop there!!

I said all that to say this - JUST GO!!  RUN!!  If you are God's child, you WILL hear His Voice!!  It is time to start listening and obeying HIM - go to that city you know He has called you to!  You won't be sorry.

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