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Christmas Planning Part IV: Paying for Christmas

While scaling back can take a big chunk out of the burden of paying for Christmas, the burden won't be completely gone. We still have to buy gifts or materials to make them, and we want to do fun things around Christmas that sometimes cost money. Since I don't advocate going into credit card debt for anything short of the most dire emergencies, here are a couple suggestions on  how to pay for Christmas.  One way we have done it in the past is to set up an extra savings account at our credit union and transfer $10-$20 a paycheck into it depending on what we can afford. If things are really tight, we sometimes only move over $5. If we have a windfall (such as a bonus or tax return) we will take a portion of that money and add it to the Christmas account as well. This Christmas account pays for both gifts AND activities thorough the Christmas season. I know someone that insists that they are too poor to save even a few dollars a pay check, so they put everything they buy for ...
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Homeschooling on a Budget

We finally took the plunge. For the last year and a half we have been homeschooling.  We made the decision for a combination of academic and social reasons, and I'm telling you it was so worth it to see a once struggling student be successful and have confidence again. Unfortunately, the investment of time into my children has resulted in a dearth of postings, and will likely continue to do so. But, lucky for you, I have decided to post a few of the awesome free resources we have found that have been helping us to homeschool on a budget.  They include both secular and Christian resources, so hopefully you can find something that will suit your needs. 1.   The Good and The Beautiful  language arts curriculum.  Jenny Phillips has created an amazing Christian curriculum resource available for FREE for families.  Levels 1-5 of The Good and The Beautiful's language arts curricula are free in their .pdf formats.  The links to the free digital versions ar...
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Self-Made Super Heroes

I made these fantastic little dolls for my son this year for Christmas.  I bought the blank wooden dolls a Hobby Lobby on sale for $2.99 for all 8!  S had been really enjoying watching Spider Man and His Amazing Friends on Netflix, so I made him a little Spiderman, Iceman and Firestar.  I also made him a set of the Avengers (plus Wolverine) since they're pretty much everywhere right now and he has been asking questions about the pictures and toys he sees at the store and seems to be pretty interested.  I used the same tutorial that I used to make my  Nativity Set , and I used images I found on Google as an idea for how to paint them.  I also added an extra step and modge-podged them to keep the paint from chipping and the exposed wood from getting dirty. Do you have a little girl that you would like to make some dolls for?  How about Princess dolls ?
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