Teaching Delayed Gratification is a Must

Posted on September 14, 2009 by Barb

We visited our hometown over the weekend and noticed that a couple of businesses we always shopped at have closed down. I looked them up online when I got home and found that they went out of business because of the bad economy.

One store owner, who ran a wonderful Christian book/gift store, blamed her business closing on people no longer using their credit cards. She said that in the past, people bought more items and paid with credit, but then they began paying cash and only buying little things. She and her husband decided to close down while they could still pay their bills.

As a business owner myself, I understand her feelings. But part of the reason our economy is in the bad shape it’s in is because people abused credit. They bought things they couldn’t afford and borrowed the money to do so, but couldn’t pay it back.

One of the projects in Life Prep for Homeschooled Teenagers is designed to teach teens about handling credit cards responsibly. When I speak to homeschool groups, I’m often asked at what age people should begin teaching their children about credit. The book is intended for teens, but I tell parents if they really want to teach their children to handle credit responsibly, they must begin when their children are babies.

I’m not suggesting they get their baby a Visa card. But the root of credit problems is usually (I’m excepting medical emergencies here) an inability to delay gratification. Somebody wants a big plasma TV to watch the Super Bowl and they buy it on credit, never thinking about how they’ll pay for it. They don’t have the self-discipline to set aside money each week until they have enough to pay cash for the plasma tv.

How do you raise your children to become adults with the ability to delay gratification, to wait for what they want? You gently make them wait for what they want.

Don’t pick up the baby as soon as she makes a peep. Let her lay in her crib for a bit babbling and cooing before you pick her up.

Don’t buy your preschooler a toy he demands at the store. Let him wait for it until his birthday; he’ll appreciate it more, and he’ll have learned a little bit about waiting for what he wants.

Don’t buy your preteen the latest electronic device the day it comes on the market. Teach her to save up her allowance and birthday money until she can buy it for herself.

The child who learns he doesn’t have to have everything this instant is unlikely to become the guy who puts a $3000 television on his credit card a few days after losing his job. The adults who couldn’t wait until they were actually able to pay for what they wanted helped get us where we are today: in big financial trouble.

The goal is to NOT raise a child like this:

Spending Too Much Time Shopping for Food and Supplies

Posted on August 31, 2009 by Barb

If you’ve read my last book or visited my website, you know that I’m a huge fan of keeping extra food, household supplies, and medicine in the house. (I call my stored supplies my stashes, and I think they’re invaluable to busy homeschooling moms.)

But once we decided to move, I started using up my food and supply stashes, figuring it made more sense to consume them than to pack, move and unpack them.

Using up what you have at home certainly makes for reduced bills. Not only do you not have to go shopping much, but staying out of the stores reduces impulse buys, so your bills are even lower than normal.

That’s the good news. The bad news is, now that we’ve moved, I not only have a hundred “moving in” things to do all at once (change addresses, banks, etc.), but I also have to go shopping for items I’d normally find at home in my stash.

To make it worse, no matter how many times I’ve run to the store since we moved in, I inevitably come home to hear someone say, “We’re also out of (fill in the blank).”

Sigh. I’ve moved “Restock the pantry and cabinets” to the top of my list. :0

(Learn more about stashes HERE.)

Uncle Sam Will Use Schoolchildren to Pressure Parents on 2010 Census

Posted on August 27, 2009 by Barb

If you doubt John Taylor Gatto‘s assertion that public schools are all about indoctrination, not education, here’s something for you to consider.

The U.S. Census Bureau has announced a plan to educate schoolchildren on the benefits of the U.S. Census, and why they should nag their parents to answer the census takers who will be arriving at their front door next year:

Between January and March, the Census Bureau will help plan a week of Census education in schools. During Census Week, teachers will devote 15 minutes every day for five days to the topic by discussing such things as civic participation, confidentiality or geography. Beginning in mid-March, more than 120 million Census questionnaires will be delivered to residential addresses.

The Census Bureau is partnering with Sesame Street to extend the 2010 Census message to preschoolers and adult caregivers. Under consideration: Using Sesame Street characters on Census materials and having characters participate in school events and public service announcements.

Aside from the fact that the school day is supposed to be spent teaching kids how to read, write and do math, I have to wonder why the government is coming after kids with this Census Public Relations campaign. I understand that some students have non-English speaking parents and can explain the census to their parents. But they are the minority of students, and really should not be expected to do the government’s job.

But there’s something a bit more disturbing here. Consider what it says in the U.S. Constitution:

Representation and direct Taxes shall be apportioned among the several States which may be included within this Union, according to their respective Numbers … . The actual Enumeration shall be made within three Years after the first Meeting of the Congress of the United States, and within every subsequent Term of ten Years, in such Manner as they shall by Law direct.”

— Article I, Section 2 of the Constitution of the United States

The Census Bureau quotes this part of the U.S. Constitution right on its site. Note the use of the word “enumeration.” According to Dictionary.com, “enumeration” means “to determine the number of; count.”

Now take a look at a sample of the census. Note that “How many people are living in this home?” is only the first question. Then the government wants to know the following about every person in the household:

First and last name

Sex

Age

Date of Birth

Hispanic or not?

Race

Whether each person sometimes lives somewhere else

How they are related to each other

That’s one heck of a lot more than just enumerating. It’s actually pretty intrusive, and certainly not specified in the Constitution. But the government wants this information badly enough that it’s got a plan for pressuring schoolchildren to get their parents to answer all of these questions.

In other words, they’re indoctrinating and using kids for their own purposes.

Yet another reason I’m glad to be a homeschooling parent. How about you?

Cardamom Publishers is Back at Work

Posted on August 24, 2009 by Barb

Cardamom Publishers has reopened today after being closed for a week while we moved our business to Janesville, WI. Our books are in stock and we’re now shipping orders again. If you ordered a book in the last week to ten days, it will go out today.

Our new address is:

Cardamom Publishers

PO Box 2146

Janesville, WI 53547

Thanks for your patience while we made this transition!

Waste

Posted on August 20, 2009 by Barb

We’ve spent the past week packing and now unpacking, and the result is that we’re eating lots of fast food and prepared meals from the grocery store.

This is not how we usually live. I’m frugal and prefer home cooking (i.e. meals made from scratch), so I’m accustomed to cooking all of our meals. Our transition from old house to new house may have given me a break from cooking, but it’s also shown me how much waste there is in eating this way.

First off, it’s a waste of money. For example, I spent $16 for breakfast for four at McDonald’s our first morning here. All we had was coffee or juice and Egg McMuffins. I could have made that much cheaper at home!

Then there’s the garbage that little breakfast created. Wrappers, paper napkins, plastic and paper cups and lids, cardboard cup holder….we had quite a little mountain of trash to pitch afterwards.

Once I found the paper plates, I did buy some prepared meals that I could just microwave or throw in the oven. They’re cheaper than eating out, but not by all that much. And again, there is waste in all the packaging involved that you then throw out. Tonight’s dinner of Stouffer’s Chicken Alfredo resulted in a large box and a large plastic pan being thrown out.

Finally, whether we eat in a restaurant or buy prepared food at the grocery, I know what we’re eating is not nearly as healthy as eating home-cooked meals. In some ways, it’s a waste of calories. Who knows what’s in the stuff we’ve been eating? At least when I cook, I know what’s in our meals: less fat, less salt, few preservatives……and more nutrition.