Home finance

I will talk with them about this.

My track record is very consistent. They ignore me.

But then, they have more assets than me. So, they can afford it,

Do you need the space? If not, hold off. You don't want to take on additional debt at this point if you can avoid it. If you have to renovate because you really need the space, or to fix problems with the basement, then your best bet is to put your savings in a CD and get a secured loan (lowest interest rate, easiest loan to obtain now). Or get a second loan for a much shorter term than re-jiggering the mortgage for a 20-year term. That, too, will cost you less in the long run. For such a small amount, you probably shouldn't go more than 3 - 5 years.

Do you need the space? If not, hold off. You don't want to take on additional debt at this point if you can avoid it. If you have to renovate because you really need the space, or to fix problems with the basement, then your best bet is to put your savings in a CD and get a secured loan (lowest interest rate, easiest loan to obtain now). Or get a second loan for a much shorter term than re-jiggering the mortgage for a 20-year term. That, too, will cost you less in the long run. For such a small amount, you probably shouldn't go more than 3 - 5 years.

It would be hard to earn an income if you've to be home with your daughter but it would be OH SO WORTH it if you could manage. A part-time job with childcare by family or friends is one idea. A job share where two of you do one job and each care for the other's child when not working. Or something you can do from home; or, of course, some job where you could take your daughter with you.

A lot of home educators are poor! But at least you won't have to pay out for expensive school uniform over the years.

It's a shame the name "home educate" suggests lessons at home with Mum, isn't it? Some people do fall into that mistaken way of thinking - if school educate means sitting in class all day being taught by a teacher, then home educate must mean sitting at home all day being taught by your mum or a tutor!! Nothing could be further from the truth. You're rarely at home, and your child does the learning rather than being 'taught.' And how they learn, when it's at their own pace, from interest not pressure!

You'll find all the free possibilities: museums, art galleries, free Open English Heritage days (coming up, Sep 10-13), free cinema trips because they're educational! (coming up in October); and of course free parks, free beaches, free gardens, free fresh air.

Also all the home ed groups - ours meets two days a week and has funding for professional sports coaches. There are 50 children in our group - so much for "How will she make friends?"

Also, there are increasing numbers of community learning centres, all free; some are still called adult learning centres, but anyone can go in. Mine's been doing her ICT, English and Maths at ours, just 200 yards down our road, and then they asked her if she'd like to do Work Experience; I was surprised, as she was only 12, but she's been doing it for a while now and has gained so much confidence in dealing with the public, all ages.

Home education, or Education Other than at School, to be strictly accurate, is growing so rapidly that although it's hard without ability to earn, it is getting easier as more and more authorities become aware of the ever increasing numbers.

Your best bet is to find, and get advice and support from, other non-at-school families in your area. Try Education Otherwise on the internet, or ask at your local library. By the way, you don't have to wait until school age to start! Good luck

Hi
yeh when you apply for the student loan, the school fees are paid directly to your school and the maintenence loan and grants are paid to you. So it is up to you if you want to use the loan and grant to pay your accommodation and other stuffs like food and clothes etc.

You can get more information here.
http://www.direct.gov.uk/en/EducationAndLearning/UniversityAndHigherEducation/StudentFinance/index.htm

they went out of business because all the people wouldnt pay them back.

Most banks export directly to csv. format so openoffice.org would be a cheap alternative. Excel works of course.

I know very few copmpanie that will allow you to do this work from home. Alot of finance work is inputting data, like bank reconciliations and such. They aren't going to let you just take checks or bank records home.

There are bookkeeping type positions for smaller companies where you can travel to their various locations and just work part time for a few companies, but don't expect any of them to allow you to do most finance positions from home. It's just not feasible because of the paper records they have to keep.