Need to Get Out of Debt? Make it a Math Lesson!

Homeschool Math: Steps to Get out of Debt 

If you're a busy family trying to make ends meet, you've probably struggled with debt at one time or another. A plan to get out of debt makes a excellent homeschool math lesson for your kids. Don't hide the struggle from them, but don't frighten them with all of the gory details either. If you need to get out of debt, you need a plan. The steps to get out of debt look different for everyone. Everyone has different debt, different income, and a different set of life issues. Talk about a family budget with your kids and then follow the steps below to get out of debt. Everyone working together toward the same goal is the first step on your debt free journey.

Debt to Income Ratio Calculator

You may want to take the steps to get out of debt if you are in the market for a new home. In this case, you'll want to start with a debt to income ratio calculator. Seeing it all laid out before you eyes puts it all in perspective. Where can you save, how can you improve your credit score, and how much money you will need to save. These questions can be overwhelming because the often contradict each other. To buy a new house, you'll want to pay down your debt, but you'll also want to save for a down payment for your home. Which should you do first? How long will it all take? This makes for a relevant and useful homeschool MATH LESSON. Wells Fargo offers instructions on how to figure your debt to income ratio and a free debt to income ratio calculator to check your work. Here's another debt free calculator from CNN.

Credit Score

Start with a credit app like Credit Karma. These aren't completely accurate, but they give you good idea of where you stand in the world of credit scores. You'll also see any negative marks against you. The big credit reporting agencies, Experian, TransUnion, and Equifax, allow you to check your scores and dispute anything that you find in error. Sometimes, you might find duplicates or items assigned to you that really belong to someone else. In this case, you'll want to speak to a legal firm that can quickly help you sort it all out. You can do it yourself, but it's much easier to pay for a service to do it for you. Lexington Law is inexpensive and gets the job done quickly and efficiently. You'll want to give yourself at least 3 months of the service (depending on how much work needs done.) They tend to work on one credit reporting agency at a time. It's fun and rewarding to watch your credit score improve. You'll also see weekly dips that will let you know where you need to cut back or do better.

Debt Consolidation

Another option is debt consolidation. This is a great option for people who are overwhelmed by debt collectors calling, sending letters, and generally harassing you for payments. This can make anyone crazy. If you use a service to consolidate your debt, they'll set up a monthly payment and take care of notifying debtors and paying your debts each month. Many people feel overwhelmed at the amount of bills they have to pay and can't keep on top of it all without getting late fees. Rather than paying the debt collectors, some people put their head in the sand and do nothing. This, of course, ruins your credit and your chance for a car or a home in you future. So, if you have difficulty keeping organized letting the professionals deal with your debtors may be the best option for you. You also might want to check into these debt relief services.

Budget

It's better to come up with a long term plan that you can manage than to declare bankruptcy or ignore your obligations. A budget is a great way to stay on top of things. Teaching your kids how you budget the bills is a fun way to teach them about finances. Young adults are often surprised at the cost of utilities and groceries and don't plan for these things when they go to rent or buy a new home. Keep a worksheet of your weekly and monthly expenses on the fridge and let your kids see how that new video games fits into the bigger picture. Get a free printable household budget worksheet pdf.

You can open a child's bank account and connect it to your own. Our bank, sent the kids their own ATM cards for their accounts. I can easily move money from my account to theirs or vice versa if they've earned enough to buy the latest video game. If you aren't comfortable with that, there's nothing like a good old fashioned piggy bank or giant glass bottle to see your pennies adding up while saving for that big item.

So, make it a family affair. There's no better homeschool math lesson than the life lessons based on real life events. The more kids know about the real world, the better they will be able to navigate it as young adults.

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3 Fun Rainbow Cake Recipes for Girl Scouts

How to make a Rainbow Cake for Girl Scouts

Have a Girl Scout? Are you planning a celebration for your Scout Troop? These Rainbow Girl Scout Cakes are made with a box cake mix and American buttercream icing. They are fun to make as a group. They're even more fun to eat! Scroll down to see the easy recipes and learn how to make a Rainbow Cake for a Girl Scout Troop!

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Girl Scout Logo Cake

This 11x15 Girl Scout cake with American buttercream icing is made with ready made green Wilton fondant and a box of white cake mix. The flowers are made with a number 18 star tip with a white dot of icing in the middle of each. Trace the pattern on a piece of paper and trace it out with edible markers, then cut out with kitchen shears. Easy peasy!

The icing is a homemade whipped buttercream. The Girl Scout cake is an 11x15 Betty Crocker cake mix, but add 3 eggs, 1 stick melted butter, and 1 cup milk instead of following the box directions.

How to Make a Rainbow Cake with Colored Batter

If you want to make your cake batter rainbow colored too, check out this recipe for Rainbow Cake. The Girl Scout Troop will love mixing this one.

• First, mix up cake batter, you can make a white cake from scratch or use your favorite white cake from a box.
• Divide the batter evenly between 6 bowls.
• Add food coloring, stir to combine.
• Pour batter evenly into two 8 inch pans in reverse order. (Darkest colors first.)
• Bake as directed.
• Level the cakes.
• Put icing in between the layers, stack, spread icing on the outside.

A birthday is the perfect excuse to make a rainbow cake, but who needs an excuse? After reading several different tutorials on how to make a rainbow cake and cupcakes, we got started.  First, mix up a box of white cake mix following the package directions, or you can use your favorite homemade cake recipe. Then, involve the Girl Scout Troop. Let them count out the bowls, (you need 1 bowl for each color of the rainbow)  mix in the food coloring. 

Why stop at Rainbow batter and icing, when you can make your cake the shape of a Unicorn? It is easy to make a Rainbow Unicorn Cake too!

How to Make a Rainbow Unicorn Cake Recipe

Use the same cake mix and directions to tweak it as in the Girl Scout Cake above.
This time, use  8" round cake pans.
Fill the pans just over 3/4 way full. (You'll need two cake mixes.)
Wrap the pans with a wet towel strip. (This helps them to rise.)
Ice with the same whipped buttercream as above.
Unicorn horn is an ice cream cone sprayed with Wilton brand gold edible glitter spray.
Ears are pink card stock with a toothpick to hold them in place.
Flowers are made with different size star tips as mentioned above in the logo cake.
For color, use Wilton gel food coloring. Black is Wilton brand gel icing.


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See Parrots on Vacation or Field Trip: Visit Parrot Mountain Tennessee

Fun Things to do in Pigeon Forge with Kids

Are you looking for something different and fun to do with kids on vacation? Parrot Mountain in Pigeon Forge, Tennessee won't disappoint. It's an intimate little parrot zoo on top of a mountain across from Dollywood! So, if you want to see parrots on your vacation or school field trip, visit Parrot Mountain Tennessee! We've got a few tips for your trip.

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Parrot Mountain is tucked away in the woods on top of a mountain in Pigeon Forge. As you drive down the road, you may think you're on the wrong path, but take a turn and suddenly you're driving up a steep incline that is an adventure in itself! There is also overflow parking down below.

It's a quaint little place. Not interested in walking? No worries, you can have a guided tour by golf cart. However, I recommend that you walk. You can spend more time chatting with each bird. You can run through this zoo in less than an hour, but you'll miss out on lots of wonderful things.

Some may think the ticket price is a little pricey, but you've never experienced anything like this. It is worth it. Parrots surround the parking lot and greet you as you walk up the path. Be sure to say Hello!

The Cockatoos are adorable! They dance, they chant, they sing, and if you walk away they get sad. If you get too close, they'll try to hop on your shoulder for a visit. You'll want to stay and chat with them forever, but when you continue on the path, you'll see a variety of tropical birds and so much more.

It's a parrot petting zoo in Tennessee!

When you purchase tickets they ask if you'd like to feed the birds. Yes, yes, you do! It's a once in a lifetime experience. Do not miss it! There's a Lorikeet cage and a Parrot area for feeding. The Lorikeets are a little unsettling. As soon as you go in with food, they swarm you. Feeding Lorikeets can be done at many zoos and amusement parks, so you can skip this added fee if you want. Do not skip feeding the parrots in the parrot petting zoo!

I mean, come on; how awesome is this? In the parrot feeding area, the birds were a little sluggish. Not everyone wants to eat, their bellies are full! You can talk to the birds, sing to the birds, cuddle with the birds, and even let the birds perch on your shoulders. We didn't want to leave this area!

Conure Kisses.

Baby Conure kisses are precious! Tucked away behind some trees, you'll find a nursery. Many of the baby birds are for sale, others will end up out in the gardens. All of them are adorable. I just can't even...

Parrot Mountain and Gardens Tips

• We ate before we went. Don't do that. Pack a lunch, they have a picnic area right in the middle of the park.
• If you forget to pack a lunch, they have a grill inside the gift shop. It smells delicious!
• Wear comfortable shoes that won't slip on the steep paths. Paths are covered in asphalt.
• You can become a bird sponsor!
• Relax, don't rush it. Spend a few hours here.

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Rhythm Center Indianapolis: Things to do in Indiana

Field Trip Idea Downtown Indianapolis: Rhythm Discovery Center


The Rhythm Discovery Center in downtown Indianapolis, Indiana is an awesome thing to do with family or for a school field trip. If you are visiting Indiana on vacation or for the Indianapolis 500 Race, don't miss this gem. The rhythm museum is across from Circle Center Mall and next to Weber Grill. Relax and spend a few hours here.

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Rhythm Center Indianapolis Drum Circle: Things to do in Indiana.

We are members, so we've visited several times. You can practice your drum skills without buying drums! It's a great place to take out of town guests. Membership options include a plus two. This is a hands on museum! You can touch it! Above, is the drum circle, don't be shy, sit down and try your hand at tom toms or bongos. If you see others sitting there, it's okay- you're encouraged to join the circle.

Be as loud as you want! They offer free earplugs at the ticket desk. There aren't usually tour guides. As you walk through the Rhythm Discovery Center, you'll see the history of drums and rhythm instruments. Be sure to play the gongs in the front entry, the electric drum synthesizers throughout the main space, and don't miss the sound proof drum rooms where you can play the snares and cymbals.

Rhythm Discovery Center Hours and Admission: The center is opened most days from 10-5, Sundays 12-5, and closed on Tuesdays. Check the website for special events and closings.


Tip:  Buy a membership. If you have a big family, it's cheaper than the individual ticket rate.


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Homeschooling Advice from Becky Hunt

Homeschooling Advice 

This guest post on homeschooling advice is by Becky Hunt from Experienced Mommy. Becky has homeschooled four kids (including one with special needs) for the past 20 years. Listen up!

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In case no one ever told you, homeschooling comes with making a lot of decisions.

Some moms are super-fast decision makers. They do a little research. They pick a book or a curriculum, or a study group, they buy stuff and BANG they are done.

No regret, no second guessing, no wringing the hands, no worry that they are going to ruin their kid forever.

Except I don’t actually know any of those moms.

I’m not saying every homeschooling mom friend of mine is a basket case, but let’s just say the vast majority of moms, especially those just getting started, do way too much stressing out.

My Story

I have a special needs daughter, Anna, who is 17 but operates at more of a one-and-a-half-year-old level. She is a category all her own and will always keep the nest full.

But I also have two boys and a girl, all three of which I homeschooled from kindergarten through 12th grade. My oldest son and daughter graduated from Purdue and my younger son is still studying there.

I assembled my own curriculum, didn’t do too much in the way of co-ops or groups, changed things up for each child, and generally made my own way.

The kids all got good scholarships, test scores, etc. and are doing just fine.

But it doesn’t matter how I did it.

The choices you end up making are a lot less important than the process you use to make them. And the key thing about the process is learning to RELAX!

The kids are going to be fine. You aren’t going to sabotage their futures and lives and jobs by choosing A instead of B or X instead of Y.

And that brings me to the first thing you need to relax about:

Relax About Curriculum

Yeah, you have to cover the three R’s, Reading, wRiting and aRithmetic, and yes, you need to work in whatever your state requires especially in high school.

But other than that, don’t sweat it!

Pick something that looks good, that fits with your direction and world view, and relax.

There is no magic prescription for the perfect education. How many expert educators would agree on a curriculum? Um, none.

Education is a long, long term process where we are exposing our kids to principles, ideas, facts and the world.

It is no simplification to say that all we are really trying to do is teach our kids to think. We are teaching them a process for learning.

That’s why the material itself isn’t that crucial. We are basically saying “here are some books and videos and projects: we are going to interact with this pile of stuff.”

We are going to:

• Figure out what the books want us to do
• Understand what the benefit of the content is
• Learn how to get the important parts out of it
• Learn how to skip over the stuff we don’t care about

And each time we go through a course or topic, our minds get better at learning, and that’s the whole point.

Which is also why the coverage isn’t the most important thing.

Relax About Coverage

Lots of text books have 50 chapters and I know so many moms who are stressed every week because their kid didn’t make through the 1.4 chapters necessary to get done by the end of the year.

But if education is about the process of learning, it just doesn’t matter whether you cover all 50 chapters.

What difference does it make if you plow through 10 extra chapters but the kid only remembers 5% of it and everybody is at each other’s throats the whole time?

If you are obsessed over getting a certain score on a standardized test, and the test has stuff on it your kid has never seen before, you have to have a plan for that. But you still relax and chill and be strategic at the same time.

Relax About Milestones

My kids didn’t start writing papers until they were in 5th or 6th grade. Turns out that was perfectly fine. It gave them a chance to have hundreds of really great books read out loud and discussed with them.

Kids don’t have know the alphabet, read, write or do algebra by a certain age. Relax. It will be fine. They will get it when they need to get it.

Not only will they eventually get it, they’ll learn better when they are ready for it.

Relax About the End Results

I wanted it all. I wanted my kids to excel academically, be well rounded individuals and get great jobs. But most importantly I wanted them to become men and women of character who love God and are kind, honest and unselfish.

Credentials flow from character.

And kids learn character from how you behave not from what you say.

So how do you relax about a big list of goals and dreams you have for your kids?

Well that’s a tough one, but you just have to realize that the end results will come from a steady, consistent relationship that you have with your children over a period of years.

You will sit with them, love them, fight and make up with them, learn with them, learn how to learn with them and persevere when you are tired and want to ship them off to school.

And it will all work out. The kids will be fine.

Just relax. - Becky Hunt - Learn more about Becky.

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Black and White Dessert Recipe Indy 500 Race

Easy Dessert Recipe for Indy 500 Race Day Parties

When May arrives in Indiana, we start thinking about the Indy 500 Race. Similar to the Kentucky Derby, people have race theme parties. The checkered flag is center stage. This Black and White Delight Cheesecake Dessert Recipe is perfect for those black and white race day theme parties. It's the Next Best Thing to any Andretti. Enjoy!!

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Easy Black and White Dessert Recipe Indy 500 Race

Easy Black and White Dessert Recipe Indy 500 Race

To Make the Crust:

12 oz. Refrigerated Sugar Cookie Dough, 3 T Cocoa, 1 T Butter

Mix together above ingredients. Then, grease an 8 in. square baking pan. Pat the dough into the pan. Bake for approx. 15 minutes in a preheated 350 degree oven. Let the crust cool completely.

To Make the Cheesecake Layer:

8 oz. Cream Cheese, 1/2 C. Milk

Let 8 oz. cream cheese come to room temperature. Beat in 1/2 C. powdered sugar. Layer the cheesecake mixture on top of the cooled crust.

To Make the Chocolate Pudding Layer:

1 Package Dark Chocolate Pudding, 1/2 C. Milk

Whisk above ingredients together until thickened. Spread on top of the cheesecake layer.

To Make the White Pudding Layer:

1 Package White Chocolate or Vanilla Pudding, 1/2 C. Milk

Whisk together above ingredients until thickened. Spread on top of chocolate pudding layer.

Top with whipped cream and a strawberry. 

Tip: Chill for 1 hr.

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Big Cats in Indiana: Exotic Feline Rescue Center

Things to do in Indiana: Visit the Big Cats at the EFRC

Are there big cats in Indiana? You bet! If you love animals, especially cats, you must visit the Exotic Feline Rescue Center in southern Indiana. It's not a zoo, there's no real parking, and it's in the middle of nowhere. No worries, they want you to come visit the amazing Indiana cats. This is a wonderful idea for a field trip or a one tank trip on a weekend get away.

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What will you see there? Sure, there are native cats like the Bob Cat, but you'll also see Mountain Lions, Serval Cats, Leopards, Jaguars, Tigers, Tigers, and more Tigers! Most of the cats were raised as pets or used in animal shows and have been rescued from very difficult situations. They are finally free and live their lives loved in as natural an environment as possible.

Each ticket purchase helps feed and house the cats. You can also make donations to the EFRC or attend any of their special events, including a summer camp for kids! They also offer an overnight camp for adults. You read that right! Stay in a cabin on site with a view of the cats and then wake up and make the rounds with the caretakers. Sign me up!!

As we toured the facility, we couldn't help but make note how if felt like Jurassic Park, right down to the dinosaur sounds (tigers talking back and forth across the center) and the atvs used for feeding. I'm guessing if a big cat escaped, there would be similar results. These cats are lovable but clearly wild animals.

The tigers like to play with the water bowls which also serve as swimming pools in hot weather.

The Exotic Feline Rescue Center is open from 10-5 daily. Rain, shine, or snow. They mentioned that the cats are especially lonely when no one visits during the winter months. So, go see some cats in the snow!


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Visit Telescope Indiana: IU Link Observatory

Homeschool Science Field Trip: Visit the Link Telescope


If you are looking for something different to do in Indiana, visit the IU Link Observatory Telescope between Mooresville and Martinsville, Indiana. It's a one tank trip from most places in Indiana, and it makes a great homeschool science field trip. Psst... It's not just for homeschoolers and science junkies. Architects, historians, and gardeners will love it too! Keep reading to find out why.

The Link Observatory is a magnificent piece of architecture in a beautiful setting. It sits atop a hill adjacent to a Daffodil garden. Completed in 1939, for Dr. Goethe Link, the domed structure is made of local wood from the property. The dome swivels for a panoramic view of the night sky. Until the 1980's the observatory was used for astronomical research. However, as the the city lights of Indianapolis grew, it made star viewing increasingly difficult.

The adjacent Daffodil garden is the perfect setting for a family picnic, to catch up on reading, to walk your dog, or to paint the gorgeous landscape. The day we visited, an artist was painting a lovely watercolor painting of the dome.

And this happened in 2018, Indiana native, David Wolf, electrical engineer, medical doctor, and astronaut, joined the Link Observatory Space Science Institute staff as Chief Science Officer. Dr. Wolf works with the Institute on STEM (Science, Technology, Engineering, and Math) educational programming, public engagement, and fundraising.

Link live events take place at area libraries. You can also invite them to do a program at your school, camp, or other event. Check the Link Telescope Event Calendar for activities at the observatory and within the surrounding communities. The Link Observatory is free to the public on the 1st Saturday of each month for night sky viewing and the 2nd Thursday of each month from 9:00 am until 3:00 pm for daytime tours of the telescope and facility.

We visited on a free Thursday. The docent was full of fun facts, science humor, and shared the interesting history of the observatory. It seems Mrs. Goethe planted and cultivated the Daffodils. There are several different species, still blooming after all of these years. 


Tips for your Visit:

Don't expect anyone to greet you at the door. Just walk in and head up the steps to see the telescope.

If you visit during the day, pack a picnic lunch. You can tour the facility in under 20 minutes, but be sure to let the guide share the telescope's history with you. We even got a demonstration of the dome pivoting around its track.

When you're done, head over to Martinsville to visit the Martinsville Candy Kitchen or the Martinsville Farmer's Market.



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Click here to find some cool kids telescopes.