New to Homeschooling? Start here!
Deciding to homeschool is a big decision. There are many things to take into consideration, and one of the biggest hindrances seems to be finances. Many find their finances stretched already with excess debt and burdens. I truly believe some of the problem is we have become accustomed to two incomes. As wages increase, we spend more and take on more debt. It’s a never-ending cycle. If you’re facing some of these obstacles, it does not mean you can’t homeschool! It just takes a little more creativity.
You don’t need an expensive boxed curriculum or a large budget to give your children a quality education at home. Early pioneers did it with few supplies, some in the back of a dusty old wagon. Even in these primitive circumstances, they raised great statesmen, inventors, tradesmen, and artists. With creativity, resourcefulness, and a lot of faith, you can homeschool affordably while still providing an enriching learning experience.
Evaluate your Finances
It seems like a simple thing, but sitting down and looking wholeheartedly into your expenses is the starting point in this journey. Know exactly how much money is coming in. Evaluate every expense. You might be surprised at some of the things you are paying for every month. Look at your bills. See if there’s any savings to be had on your phone bill or internet bill. A while back we switched to a different internet plan and saved about $40 a month. Small savings turn into big savings over time.
Keep in mind, a woman working outside the home often accrues more expenses than she realizes. Wardrobe, gas, food, child care, and more. Also, our country’s “free” education can be quite costly. The amount of money spent running back and forth to events, out-of-town/state conventions, sports and other extra-curricular activities, not to mention the cost of formal wear for dances and prom. Public schools are not free.
Many people have had success using Dave Ramsey’s principles. Even if you don’t use his method entirely, he is a wealth (pun intended) of information. Try out Everydollar to plan out your money so nothing is wasted. Paying off debt is going to be key in making this lifestyle work.
Read: Teaching Kids to Honor God with Their Finances
Learn to live within your income.
There comes a point where you have to just learn to live within your income limits, no matter what they are. You may be able to live on less than you currently make if you put your mind to it:
- Fix things that are broken instead of buying new
- Sell things that you don’t need anymore
- Buy used cars, clothes, furniture, etc.
- Don’t take big vacations; the time you get to spend with your kids daily is worth the sacrifice
- Downsize your home
Make Extra Money While Homeschooling
Homeschooling is flexible so working can be doable. Working from home is a great option but does require some planning and thought depending on the type of job. I proofread court transcripts as a side job. It is flexible and I set my own hours. Some ladies work outside the home a few days a week. There are those who work full-time, single parents, and some who are chronically ill who homeschool. You can make anything work if you put your mind to it. If finances are tight, consider ways to bring in extra income from home:
- Tutoring – Teach other homeschool families in subjects you excel at. Consider programs like Outschool where you can create classes.
- Freelance Work – Writing, virtual assistance, graphic design, proofreading or transcription.
- Sell Used Curriculum or Printables – If you create worksheets or lesson plans, sell them on platforms like Etsy or Teachers Pay Teachers.
- Start a Small Business – Selling crafts on Etsy, babysitting, baking, or teaching an online class can bring in extra income.
Keep Homeschool on Budget
I have heard people say, “I could never afford to homeschool, it’s too expensive.” I’m thinking, “Maybe, if you have no creative bone in your body.” If you’re new to homeschooling, get traditional school routines out of your head and embrace deschooling! This will make your life easier. Embrace simple.
1. Use Free and Low-Cost Curriculum
One of the biggest expenses in homeschooling is curriculum, but it doesn’t have to be! There are many free and affordable resources available:
- The Bible – Not only a foundation for faith, but also a great resource for reading, history, and character training. (see my favorites here)
- Library Resources – Check out books, audiobooks, DVDs, and even educational kits. Many libraries also offer free homeschool programs.
- Free Online Curriculum – Websites like Easy Peasy All-in-One Homeschool, Khan Academy, and Ambleside Online offer full lesson plans for free.
- Printable Worksheets & Unit Studies – Many homeschool bloggers (including Olive Plant Academy) provide free printables and lesson ideas.
- Used Curriculum – Buy secondhand books and materials through Facebook homeschool groups, eBay, or local homeschool co-ops. (I buy most of my curriculum and books though fb groups and Ebay)
Some helpful websites/companies that offer free or budget friendly resources:
2. Minimize Unnecessary Expense
It’s easy to get caught up in the idea that homeschooling requires fancy supplies, elaborate science kits, and expensive programs. But simplicity often works best!
- Avoid costly boxed curriculums unless they truly fit your family’s needs.
- Use what you already have at home for science experiments, art, and crafts.
- Shop thrift stores, garage sales, and dollar stores for school supplies.
3. Take Advantage of Discounts
Many businesses offer educator discounts to homeschool families, including:
- Barnes & Noble
- Office Depot
- Joann Fabrics
- Museums & Zoos
- Thriftbooks
Always ask if a homeschool discount is available—you might be surprised!
4. Find Free or Cheap Extracurricular Activities
Extracurriculars don’t have to break the bank! Look for free or low-cost activities in your area:
- Library Programs – Many libraries offer STEM clubs, book clubs, and art classes.
- Community Groups – 4-H, Scouts, and church groups often provide educational opportunities.
- Homeschool Co-ops – These groups allow families to share resources, split costs, and offer group learning experiences.
- Local Parks & Nature Centers – Many offer free programs, nature hikes, and science workshops.
5. Use Family & Community Support
Homeschooling doesn’t have to be a solo journey! Lean on your family and community for support:
- Ask grandparents to gift educational materials instead of toys.
- Swap teaching with another homeschool mom (e.g., you teach history, she teaches science).
- Accept hand-me-down books and curriculum from other homeschoolers.
Embrace a Simple, Flexible Lifestyle
At the heart of homeschooling is the freedom to create a learning environment that works for your family. You don’t need expensive curriculums or elaborate schoolrooms—just a love for learning and a commitment to teaching your children. Homeschooling is about investing in your child’s heart and mind, not about how much you spend. Trust that God will provide the means to make it possible.
Making homeschool affordable may require adjustments and sacrifices, but it is absolutely possible! By being resourceful, seeking free and affordable options, and finding ways to supplement your income, you can homeschool successfully on any budget.
What are your favorite ways to save money while homeschooling? Share in the comments—I’d love to hear your ideas!
