Budgeting Funds for Homeschool
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When you are considering and committing to homeschooling, it is not only a commitment of your time, but also a commitment of your finances. You need to decide how much you can budget towards homeschooling and of course, what to purchase.

Budgeting for Your Homeschool

My family usually saves the amount we plan to spend on homeschool curriculum from our income tax refund. For many years we purchased our materials in spring or early summer so I was prepared to start teaching in the fall. Now that we use distance learning for many subjects, my teacher planning time is greatly reduced and a mid-summer order still gives me plenty of time.

You could also plan for homeschooling expenses by allocating for it in your monthly budget. For example, if in January you decide to spend $900 in June, you could allocate $150 a month (including June) to save up your $900. At that point, you could reduce your monthly budget to $75 for the following year, since you would have twelve months to save.

When you purchase $499 or more of BJU Press materials with a HomeWorks Consultant, you also have a payment plan option. This payment option allows you to pay 30% down and divide the rest out in six equal payments. For example, if you were spending $900, you would pay $270 at the time of purchase and then six more payments of $105 would be charged. BJU Press does not charge interest but does require you to use a card so the remaining payments can be automatically billed.

Occasionally I meet a family where the grandparents so desire that their grandchildren receive a Christian education that they help in this area. It always warms my heart when I see this happen—what a wonderful way to invest in future generations!

Planning Your Purchases

Make a list of all the core subjects you need to cover and the electives you want to cover. I like to keep this list to items specifically relevant to the homeschool, and not include extra-curricular activities and expenses (though educational) that we would still do even if we didn’t homeschool.

Make sure you have a book and curriculum to follow for each subject. Decide if you have time and expertise to teach each subject or if your family would benefit from distance learning in some subjects.

Your HomeWorks Consultant is likely an expert on the pricing of packages and sales offered on BJU Press materials. If you are having trouble matching your goals to your budget, talk with her about your needs. She can help you put together an order that helps you maximize your available funds. She knows homeschooling, which is just as important as understanding the pricing structure, to come up with a plan that is practical.

Meet the Author

Cynda Moore, HomeWorks by Precept Consultant & Homeschool Mom


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