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Reader Question: How Do YOU Homeschool On A Budget + Share Your Planning & Curriculum Tips

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Check out this reader email from Michelle…

I’m a long-time Hip2saver, a happy wife, and a proud mother of 5 boys – one has left the nest and I have 4 roosters at home ranging in age from 16 to 9 with a set of twins in the middle. After much thought, discussion, and yes, prayer we have made the decision to homeschool our 4 boys next year. I’ll have a junior, two 6th graders, and a 4th grader.

My question is how do you organize, plan & choose curriculum to homeschool AND how do you do it on a budget? I have the summer to get everything together so we can start the way we mean to come Sept. 1st.

Please share YOUR planning & curriculum tips below!
Join The Discussion

Comments 58

  1. Marti

    I’m a teacher but I use teacher networks who share resources for free! Email me and I can help you find a lot of great math resources!

    • Laura

      I am a high school teacher and my district uses a shared site for the district so teachers can post onto their department page. You would have to be a faculty member to have access. I’m curious of these free sites. Can you list them?

    • Kim

      Very cool! I love Moving Beyond the page curriculum. It is the cheapest quality curriculum I could find and DONT let the top price fool you! They are the only curriculum that if you want will send you every single item you need. Or send you only what you want cheapest is online curriculum only and you can buy each unit seperately. Most libraries have the required reading unit books free or can request through inter library loan if offered or Amazon has most for $4 used or digital for cheaper.

  2. Daphne

    First, congrats on taking on homeschooling! This year will be our 4th year and we absolutely love it! There is SO much out there for homeschooling and it can definitely be overwhelming! I would start by figuring out what you want to teach them….what’s important to you with their learning. What does your state require, especially with your 16 year old in high school. Then, see if you can find homeschooling groups in your area (not necessarily a co-op), check FB groups and check to see if you have a homeschool store in your area. We have a wonderful store with deeply discounted textbooks and they are full of advice! Pinterest can be a blessing but also a curse because it can really overwhelm you with all the info. Personally, I would stick with a couple of youtubers (Raising Clovers is my favorite homeschool youtuber and she is on FB and Periscope too). And check out some websites. There are free options like All In One Homeschool (aka Easy Peasy Homeschool). We use this one a lot to supplement but I definitely know others that only use that for their school and have been successful. And don’t forget about your library, Netflix, YouTube and more. Tons of free resources out there! I’m certain that you are going to get lots of advice on here and I can’t wait to hear what others suggest too 🙂

    As far as what we have used for curriculum – History – Story of the World, you can buy these books for your kindle and just buy the activity book. This year we are going to use Trail Guide to Learning (Paths of Exploration) and will use this with both my kids so I’m only buying one book (grade 2nd and 6th) Math – Horizons LOVE this for my kids but this year my son who is going into 6th will be trying out Teaching Textbooks but my daughter will continue with Horizons. I never bought the teacher’s edition with these books so that saves money. Science – Apologia for both kids – we all love this!! Language Arts – I haven’t found something I LOVE yet and we do LOTS of reading! You can buy the workbooks for different subjects from Barnes and Noble or Amazon using ranging from $5 – $20.

  3. Sarah H

    Biggest tip, and the best return on investment I ever made was having my kids participate in our area science fair. We have participated every year for the past 11 years, the only homeschoolers there each time. Not only was it a great learning experience (and good for their required portfolios), they won numerous financial awards over the years — and I think the most we ever spent on materials for the actual experiments was like $10. Although we did have to pay for each kid to participate, we WAY more than got our money’s worth with this year’s big surprise — all of the juniors and seniors at the fair got SUBSTANTIAL scholarships to the local science and technology university. When my senior pursued it further, they offered him a free ride! That’s over $90,000! And since he will commute, he should graduate debt free! So, as hard as it may seem to those who homeschool, those extra academic competitions CAN pay

    • Daphne

      That is amazing Sarah and congrats to your senior! I think I’m going to look into this for my kids!

  4. Beth

    I’ve been homeschooling for 14 years. One of the things we’ve done is to use Saxon Math once our kids are in 4th grade on up. Saxon Math sells a CD that the kids can pop in to the computer on a daily basis which coordinates with their daily lesson. There is a CD for every textbook Saxon has written for 4th grade on up. These CDs are invaluable! I am schooling five kids this year, so it would be nigh impossible for me to teach math in five different grades. The kids simply pop in their CD each day. We are able to use the CDs over & over again for each child. I can’t speak highly enough of Saxon Math. They have the kids take a test every 4-5 tests, so if a child is having issues with a concept, you will catch it quickly and can get them set straight.

    An online resource that we love is They have a wealth of topics. It’s a teaching website started by an MIT graduate, I believe. It’s incredible! And, it’s FREE! 🙂 We will often refer our older kids to Khan if they are having difficulty understanding a concept in science or math that we ourselves struggle with.

  5. mckeeversmom

    I could be mistaken, but I believe the state can supply you with the curriculum or at least direct you to a spot where you can find it. In my state there are Intermediate School District offices (ISD) and they offer teacher support in the form of workshops which you should be able to attend, although I believe there is a charge for the materials. This might be a place to start your planning. My school ISD has a calendar posted on their website listing the various curriculum meetings and in-services that are offered throughout the year and this, too, might be a valuable resource for you. What a huge undertaking. I wish you success.

  6. Melanie

    As a teacher I always create a curriculum map (monthly calendar of what I’m going to teach) to make sure I stay on track and teach everything that I need to for the year. You can then buy cheap used textbooks on Amazon and Use websites like teacherspayteachers and to enrich the curriculum with projects and additional support. Good luck 😊

    • Katie

      I teach elementary and use these a lot as well:

      And google curriculum and the state you are in. There are TONS of common core curriculums out there.

  7. Charmel

    Congratulations on your new adventure. We just finished our 4th year and it is without a doubt the best choice we have ever made for our family. My kids are best friends. Our evenings and mornings are so much more enjoyable. No stressing over homework, bedtimes, rushing to eat before rushing out the door. It has brought so much peace into our schedules.
    My biggest advice is take it in steps. There is so much information out there. What state are you in? Do they have curriculum requirements? Know what your expectations for curriculum are. Do you want secular, Christian? Common core or no common core? Do you want a connection to public school or just mom directed learning? Once you have determined these things it will be easier to began narrowing down the curriculum.
    Homeschool can be done on any budget. From totally free to thousands.

  8. Jodi K

    Thanks for asking this question, I’m also going to start homeschooling my 3rd grader next year and leaning towards Easy Peasy.

  9. amy

    I know not everyone likes the idea, but depending on what state you live in, you may be able to have your children public school at home. It’s known as cyber schooling. No, it is not homeschooling. It does lose a lot of the flexibility you have with traditional homeschooling, but on the other hand, if available in your state it provides all of your curriculum, teachers to check your children’s work…all for free. In our state it also offers an internet subsidy. We have alternated every few years from traditional to cyber…just for my peace of mind that I am keeping up with what “all the other kids” are learning. Unfortunately, it isn’t available in every state…

  10. Lisa

    I inter-library loan as much as possible (even workbooks) that way I can view the items and try them out before purchasing. One of my fav free math sites is

  11. Sarah H

    You definitely want to join the Home School Legal Defense Association. In addition to providing you with assistance if you are ever harassed because you are homeschooling, they can provide you with the resources you need to fulfill the legal requirements of your state and put you in touch with local homeschool organizations.

  12. Amy

    You can go with different curriculum programs: Abeka, sonlight, my Fathers world, etc, but I like to just buy used textbooks off amazon and eBay. Another great place is to attend a homeschool convention, because they often have booths of used textbooks.
    Recently, I found local social studies/history resources at our county building. They had a three magazine series on the history and culture of our county with beautiful pictures, interviews of local Native American tribal members and introductions to the many points of interest in this area. Basically, just like your kids can learn anywhere and from anything, if you keep your eyes open you can find many great learning resources for free or cheap.

  13. Kristen

    I’m not a homeschooler, but I am a teacher, and the best FREE curriculum I’ve seen is engage NY. I believe they have ELA, but I’ve only used it for math, but I LOVE the math. Another free resource for spelling and cross-curricular reading passages is, and I also really like for current events.

  14. Angie

    I have homeschooled since 1995. I have graduated 4 and have two left. There is a wonderful website called homeschoolclassifieds where you can buy and sell used curriculum. You can also check ebay. I check both sites when looking for something. You are buying from individuals on homeschoolclassifieds, but I’ve never had a problem (not to say that it won’t happen). I think someone else said that you can hand books down so you don’t have to buy them every year if you have a child that will use them next year. However if you do buy something that just doesn’t work or it is the last child you can resell it and recoup some of your money. If there are any specific questions I can answer I would be happy to do so. You can email me. a p w e b b 6 @ gmail.

    • Misti

      I am a special education teacher, and I love www.! A similar (and also fantastic) website is http://www.teachers They also have free, as well as paid, materials and resources available. Someone previously mentioned It has numerous current event articles, including text sets, and it can be searched by grade level, standard, or category. It is an excellent resource.

  15. Amy C.

    It really depends on your state….the best start is to explore and order catalogs. Abeka, Sonlight, My Fathers World, Veritas, alpha omega, Notgrass. Explore CHristianbook and Rainbow Resource . Read a few books like Cathy Duffy’s top curriculum by learning style. Then buy used on eBay, Amazon and homeschool classifieds. Homeschooling is Not Cheap or Easy….but once you buy your curriculum you can always resell it. Abeka is the Cheapest and easiest place to start. Good luck…

  16. HBee

    Hi There, I have just finished my 9th year of homeschooling. It takes ALOT of prayer. Please get connected with a homeschool community- even if it’s only online or just a few like minded friends who meet regularly! Reading to your children, even your oldest is the best investment that you can make. Encourage them to read, and try to keep them off the TV as much as possible- you don’t know what can they can learn when they are “bored”. Before I homeschooled, I went to a seminar by Carole Joy Seid, and felt convicted to teach my kiddos. She has a website, and her seminars are very helpful. Also, now is the time to visit a homeschooling conference- you can see & touch different curriculums and see what might “fit”. The library is full of different books and views on schooling your kids, and I think I read a dozen of them before the first day of school! Good Luck and God Bless you!

  17. Angela

    Hi! Thank you for posting this question. I have one question for those who are doing homeschool. English is my second language and I am not good with spelling, I would love homeschool my kids but I’m afraid of teaching English. Do you thing I should start or I should just go with regular school?

    • Sarah H

      You might want to try a curriculum provider. They can provide extra assistance. You CAN homeschool! You can even have the flexibility to teach your children your native language more intensely than you do now!

    • Kim

      The best thing is, with a good teachers guide, you can learn right along with them! I am learning something new in history every day.

    • ❤️MyLineman

      Try out ABeka! They have a DVD & Live streaming option and they take care of all the work and grading through the mail and they also happen to be accredited so you will get a real diploma! Best thing is- if you’re not confident you can learn right along with them by watching their classes!

    • Chris

      There are some curriculum that offers video lessons for different subjects. Maybe that would work for you and your family.

      We are using video lessons for my younger child’s phonics and videos for my older child’s math.

    • Lily

      Hi Angela – I’m a homeschool mom, been doing it for 5 years now. English is my second language also, please don’t be intimidating by it. My daughter speaks, reads, and spells perfectly in English and she can speak my language too (Spanish) and she is learning to read it and spell it as well. Sometimes, if I don’t know how to pronounce a word (because it happens) – I can find it on YouTube !! Don’t let the language issue stop you – you can provide the awesome advantage of a second language to your child (for free LOL)

  18. Heather C.

    Kuddos to all the parents out there who take on homeschooling! I’m a SAHM of 12, 7, 4, and 2 year old daughters, and don’t think I could handle it. I’d love to be able to, but just don’t think I’ve got it in me. 😉

    • Alla

      Heather I hear you. I have 2 boys and would love to homeschool them. One is gonna be in 2nd grade in September & the other one is 2 years old. My husband and I have thought of homeschooling them because of few reasons. One is the waking them my 1st grader up early and rushing him in the morning and the other reason is he is smart for his age because he says mommy I finish my work in class & have nothing to do so I start drawing or use play dough or play quietly. So basically he’s waiting in the class. His teacher knows him really well & supports him 100%. I just don’t know where and what to start with. I live in western NY and did some research online about homeschooling but could not find much. Anyone who is from western NY here & homeschooling could you help me with how to start please. I would greatly appreciate your guidance. I don’t know how to start it and where to start from. Thank you so much in advance.

      • Sarah H

        Homeschooling was definitely the right choice for my super-big family (8 kids). We started because my eldest taught himself to read at three. He would have been too restricted by traditional schooling. Instead, he went at his own pace and was able to focus on his strongest interests. He went to college at 16, and started at s prestigious doctoral program at 20.
        You have been blessed that your son’s teacher understands his needs and lets him keep himself busy, but, honestly, smart boys are frequently targeted as being disruptive when what they really are is bored.

  19. Heather

    Congrats! This will be our fourth year homeschooling. I went to a used curriculum sale last weekend and picked up my middle sons history, science, health, math teacher’s manual, and several other things for next year for around $40. Some of the items I picked up were freebies on the free table. You may want to try attending one in your area! 😊

    • Chris

      That’s awesome!

  20. Heidi N

    I enrolled my kids in Connections Academy. Depending on the state you live in it can be free. It’s not exactly “homeschool” per se, but they are home! It is fully accredited and all the books, instruction, computers, and supplies were free. I even get a stipend for my internet. I really love it for my four kids and know they are getting a great education.

  21. Julie

    Another idea you might want to consider. You can look into online schools. In some states, the online schools are funded, so there are no curriculum costs and in some cases a computer is provided for free. You can probably find several accredited online schools that will assist your high school student to earn a diploma not a GED. The online school will do the hard part and plan the lessons while all you have to worry about is being hands-on and coach them through their learning process.

  22. Judy

    A great quality homeschool curriculum is worth the money. I used my Father’s World and Sonlight. Take good care of your books and you will be able to sell your used curriculum on eBay. We earned over half of our curriculum cost back by selling it each year after we were done.

  23. Michelle C.

    I’m the original poster of this question and I want to thank Mrs. Collin for posting it, and all of you for the gold mine of information you’re so freely sharing!! It’s so wonderful to hear good things about home schooling. It’s a bit like jumping off the side of the pool straight into the deep end, but I figure if you’re going to get wet you might as well cannon ball in. 🙂

    We will be home schooling through a Christian school (so there’s a great support base here) and the curriculum is left up to the parents with a few recommendations (strong emphasis on math, reading, spelling and language). I’m hoping to promote and encourage the basics and add history, geography, science, the arts (which are NOT offered at our public school), Spanish, and what I like to call “Life Skills”—things you NEED to know when you step out into the world as an adult. For example: personal finance—understanding, preparing, and following a budget (thank you hip2save—you’ll be a trusted resource), how to balance a checking account and reconcile your register to the statement, how loans/credit cards work, etc. I want to show them that there is joy in learning and I want to slow down the chaos that is our current life. Our 16 year old will be using a nationally accredited program and hopes to finish a year early, prep for college entrance exams and get a jump start on his chosen career. Our three youngest will be using a combination of curriculums and some of the classes I’ll be able to combine. I’m also hoping to make copies and save a set for the little one and resell everything we possibly can.

    It’s overwhelming trying to figure out what will be the best fit for us, but knowing we’re not alone helps a great deal. I would love to note that I highly respect and admire anyone who chooses to teach and loves their work. It requires a level of dedication that not everyone has. I have never had an issue with our public school (sent one all the way though there, and the next in line just finished 10th grade) and love our teachers. I simply feel that this is what my children need and as much as I love our little school, my first obligation is to my kiddos. Thanks again for all your help!!

    • ❤️MyLineman

      Hi Michelle! I’m actually a graduate of the Christian based homeschool called ABeka Academy. It’s amazing and I plan on using it for my children as well! They have 3 different options- dvd, live streaming, (both which are day to day class room videos of their master teachers) and also a parent teaching option. It is nationally accredited which means your child will receive a real diploma! They offer great classes! Along with the normal classes you expect they also (depending on the grade) have penmanship, computer, consumer math (which is banking and day to day math you will use), they have a class called life management, speech- they have tons of options and their credit classes for high school are amazing as well! There is also a bible class that is wonderful! You send in all your tests and work to them and they keep everything on record and will send regular report cards and midterms! It’s an amazing school and I absolutely loved graduating from there! So you should definitely check it out! They have a wonderful website! ABeka Academy 😀 good luck on your homeschooling journey 😀

      • Amy

        I can also highly recommend Abeka Academy’s dvd home schooling option. I personally home schooled using the program for junior high and high school, and my 4 year old and 6 year old are just finishing up the K4 and Kindergarten programs right now. I was an elementary teacher for almost 10 years before staying home, and I have actually put off returning to work because I cannot ignore how much my girls are thriving with the dvd based program. My Kindergartner is reading at a 1st/2nd grade level and my 4 year old can read short vowel words. I think it’s a great program for someone just starting out who wants to cover all their bases curriculum-wise and has children in multiple grades. That said, you need to go with the program that works best for your individual needs. Hope you find just the right one!

    • Erika

      Do most christian churches offer home school programs?

  24. A.B.

    Thanks to everyone who has shared, as this topic is close to my heart. We have a 7,4,2, and 4 month old, and have homeschooled our oldest from the beginning. The 7 year old is finishing 1st grade, and our 4 year old is doing pre-k work. It’s challenging to balance lessons between the two, and I’ve been curious as to what families do that have more than one child to teach concurrently. To make it easier on myself, I chose to buy entire “grade packages,” and paid on an installment plan. (We use SonLight). I make copies of the workbook pages, so that I can reuse them. We also participate in a co-op so that our children can socialize and understand what a traditional classroom feels like. To cover the cost of the co-op, each parent “serves,” in any variety of roles. If you’re not comfortable teaching, you can assist, or help plan different events, for example. It’s nice to be around other homeschoolers, so you can bounce ideas off each other, and have the support of like minded individuals. I was amazed how many opportunities there are for homeschool families. For example our Nashville Zoo offers classes, Panera offers lessons to groups of 12 or more for baking bread, the list goes on! Have fun with it! Thanks again to everyone for sharing, and blessings on your journey!

  25. mkpassey

    We’re just wrapping up our 2nd year of homeschooling and are enjoying it but I feel overwhelmed at times teaching two kids in different grades, and also keeping an eye on our toddler and just turned 1 year old. I feel like I’m not accomplishing everything I would wish to, but we’re definitely hitting the basics; reading, math, english. I would echo what others have said about finding out if there is anything you HAVE to do in your state, hopefully you live in a state with homeschooling friendly laws. Then I would explore the various types of homeschooling; classical, unschooling, charlotte mason, montessori, etc. and figure out which one works for you. We follow a classical method outlined in the Well Trained Mind. It gives several curriculum suggestions and even gives you schedules to follow which, being type A, I really appreciate. I think most important, just know that you can do it and do it well, even though some days it may not feel like it!

  26. Angie

    Congrats on your choice. I wanted to say Dave Ramsey has a course for middle schoolers/ high schoolers that is excellent for the life skills you were wanting to teach your children. This might be a good addition to your lessons.

  27. Lyn C

    Love this post!! My husband and I were both homeschooled as kids and had a great experience. Now we’re excited to be homeschooling our own four kids. You will never regret time spent together learning and doing as a family!

    There’s a lot of good advice here. I highly recommend reading Cathy Duffy’s 100 Top Picks. Get an idea of YOUR teaching style and what will work best for your family. Homeschooling is a lifestyle! You won’t just be sitting at the kitchen table all day. 😉 Remember that one of it’s biggest benefits is that it’s tailored education. You have the ability to shape your kids’ education around how your family works/lives together, and also how each child learns individually. Flip side – that’s what can make it so overwhelming!

    Here’s some other awesome resources:
    Love the Journey – Marcia Sommerville – A “retired” HS mom takes a newbie “out for coffee”. So much golden advice!!
    The Well Trained Mind – Susan Wise Bauer (and the forum!! HUGE resource for real curiculum reviews) – the “Bible” of the classical method folks. Lays out resources/curriculum and what to cover for each year.
    Honey for a Child’s Heart – Gladys Hunt – First section talks about reading; the second section is a big beautiful book list.

    We love…..
    Institute for Excellence in Writing – boys do really well with this! It’s a bit of a teacher learning curve to start out (watching the DVDs) but then you’re set for the year.
    Story of the World for history – the whole family can read it together. Just do different assignments based on age.
    Math U See – written by a dad of boys. Super hands on and taught by a DVD with lots of support.

    Your first year is ALWAYS scary. We all second guess ourselves all. the. time. Promise! There is no perfect curriculum. Your kids won’t remember their textbooks NEAR as much as they will experiences and time together. Focus on the 3 R’s (reading, writing, math) first, next add in your science & history, THEN see about the extras. Find other HS friends to connect with. Look into extra classes/resources available in your area. READ together as a family. Go DO stuff together. Check out volunteer or job shadow opportunities. You’re not alone in this!

  28. jen

    I’ve always thought about homeschooling. My two children are still toddlers. This might be a silly question, but how do they actually ‘graduate’ and go to college if they choose to? Thanks:)

    • Sarah H

      Rules vary by state, and can easily change by the time your kids are at that point You can also go through a curriculum provider, and many colleges have particular rules for homeschoolers (like you need to send them a course list). I have had two reach that point and it has not been an issue at all. As more people homeschool, it may even become easier!

  29. Amy

    Such great resources and suggestions! I’ve thought about homeschooling for a while – my daughter has struggled with bullies and has food allergies, and both she and my son are sensitive to the behavior of the other children in class, and the teachers’ responses to them. However, one thing I am concerned about, is the lack of socialization then … How do the HS families deal with that? And what about opportunities such as band, chorus … Are there any programs that incorporate these enrichment activities?

  30. countrysomethin

    Well I can’t go without my 2 cents. I was home schooled as a kid… and while I know that each family does it for different reasons, my advice is to really evaluate Why you are choosing to pull your kids out of school. Talk to kids who were home schooled, not the opinions of parents who home schooled.I am a firm believer that no matter how bad your school district is, or how intelligent you are as their future teacher, home schooling will Not make your children smarter or more well-rounded. Kids need to be in a class room with their peers…all the drama and gossip and just being around people other than their mother. While other parents may tell you different, No amount of sports teams or scouts can make up for the school experience.

    • Tina

      Agreed! My husband was homeschooled. While I was interested in the idea for our kids, he is firmly against it. He says he “missed out” on so many things. It’s not always the good thing that parents paint it to be.

  31. thehenrydthoreau

    The k-12 program. They provide a computer, printer and everything the student need totally free of cost. My only complaint is they send everything at once. They really should do half school year shipments.

  32. Sara

    1. Don’t write in the workbook. Have them answer in a notebook. You can then resale the book as gently used.

    2. Buy books that you can use over for each child. Rod and Staff is one example, nice hard back books.

    3. You can get by without the teacher’s manuals for the lower grades.

    4. The Book Samaritan is a great resource for free material.

    Best of luck! We’re going into our sixth year!

  33. Danyal

    Thank you for posting this question. We are finishing up our first year of homeschooling our oldest who is finishing up first grade.

  34. Steph

    I have never homeschooled but I am strongly considering it next year for my 5th, 4th and 1st grader. I’m feeling overwhelmed with the choices. I like Abeka Academy. Anyone have experience? I like that it’s already planned out and I won’t feel like I’m “messing up.” We could always branch out the following year? Not sure. Any advice is appreciated.

    • Rebecca

      I don’t have experience with that program but for your first year, especially with different age ranges, I would definitely look for something very structured, to ease some of the stress on you. Everyone will tell you it takes a year(that’s low balling it! lol) to get comfortable & figure out what works for you. You’ll learn as you go, do not fret or feel like you’re failing if one thing doesn’t work for you…. just move right on! You will have bad days, weeks, months really lol… and then everything will suddenly click.

  35. Rebecca

    I have younger kids but I know homeschoolers can take classes at most high schools, that would cover your extracurricular as well as AP classes. I’m not sure if it’s the same with middle school. You often have sports through your county or city as well. If you Google homeschool groups around you, you’ll probably find some & can get involved with groups for field trips, etc. You can always look at the Scouts as well. There are definitely opportunities out there if you look😊

  36. Anna KAUFFMAN
    PLease join this co-op! You can get lots of programs at very discounted prices. You can also sign up for a teacher ID to get discounts at restaurants, museums, and stores! It’s free to become a member and you even get 100 smart points for doing so.

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