What would your future-you have to say to you?
The no-pants guide to spending, saving, and thriving in the real world.
What would your future-you have to say to you?
If you are a parent who is planning to home school your children or if you are already involved in homeschooling and seeking additional resources, using Khan Academy online is highly recommended regardless of the type of material you are trying to teach or learn. Learning with Khan Academy is possible for students of all ages as well as individuals who are simply seeking new methods of learning without having to pay for the education.
Khan Academy is a free online resource for anyone interested in learning new material in a wide range of subjects. Whether you are a parent who is planning on homeschooling your children or if you simply have an avid interest in science, mathematics or even art history, using Khan Academy can ultimately give you the knowledge you need for any reason.
Khan Academy operates as a non-profit organization and offers all courses and materials absolutely free of charge. Using Khan Academy is ideal if you are actively seeking out new lesson plans for your own children but you are stumped for ideas and material yourself.
When you sign up for Khan Academy you can immediately dive into various lessons depending on what you want to learn. Whether you are seeking out assignments in math, science, humanities or even economics and finance, there are plenty of courses in different areas of education. You can also learn all about computer programming and various levels of specific subjects based on whether you are teaching your children or looking to learn something new for yourself.
Learning online from home is a way for you to incorporate well-developed lessons into your everyday homeschooling lesson plans at any time. When you choose to use an online community such as Khan Academy there are also no deadlines or restrictions on the lessons you want to teach or learn more about yourself.
You can also hand pick specific lessons to help with individualizing each one of your children’s educational outline and plans. Depending on the age of your children and their own interests you can choose from a variety of lessons for beginners and those seeking more advanced work.
Teaching your children new material with the use of the online Khan Academy is a way for you to ensure they are truly understanding the lessons before moving on. Additionally, using Khan Academy is ideal if you are seeking educational content that is sourced, referenced and completely free of charge. Khan Academy lessons and content is and always will be free as this is one of the main missions of the academy itself.
Knowing the benefits of using Khan Academy and how it can help you or your children grow educationally is a way to truly take advantage of the services and lessons being offered. Using Khan Academy when homeschooling brings expansive lessons into the home regardless of your own knowledge and areas of expertise when you begin to teach your children.
In this installment of the Make Extra Money series, I’m going to show you how to set up a WordPress site. I’m going to show you exactly what settings, plugins, and themes I use. I’m not going to get into writing posts today. That will be next time.
I use WordPress because it makes it easy to develop good-looking sites quickly. You don’t have to know html or any programming. I will be walking through the exact process using Hostgator, but most hosting plans use CPanel, so the instructions will be close. If not, just follow WordPress’s 5 minute installation guide.
Assuming you can follow along with me, log in to your hosting account and find the section of your control panel labeled “Software/Service”. Click “Fantastico De Luxe”.
On the Fantastico screen, click WordPress, then “New Installation”.
On the next screen, select your domain name, then enter all of the details: admin username, password, site name, and site description. If you’ll remember, I bought the domain http://www.masterweddingplanning.net. I chose the site name of “Master Wedding Planning” and a description of “Everything You Need to Know to Plan Your Wedding”.
Click “install”, then “finish installation”. The final screen will contain a link to the admin page, in this case, masterweddingplanning.net/wp-admin. Go there and log in.
After you log in, if there is a message at the top of the screen telling you to update, do so. Keeping your site updated is the best way to avoid getting hacked. Click “Please update now” then “Update automatically”. Don’t worry about backing up, yet. We haven’t done anything worth saving.
Next, click “Settings” on the left. Under General Settings, put the www in the WordPress and site URLs. Click save, then log back in.
Click Posts, then Categories. Under “Add New Category”, create one called “Misc” and click save.
Click Appearance. This brings you to the themes page. Click “Install Themes” and search for one you like. I normally use Headway, but before I bought that, I used SimpleX almost exclusively. Your goal is to have a simple theme that’s easy to maintain and easy to read. Bells and whistles are a distraction.
Click “Install”, “Install now”, and “Activate”. You now have a very basic WordPress site.
A plugin is an independent piece of software to make independent bits of WordPress magic happen. To install the perfect set of plugins, click Plugins on the left. Delete “Hello Dolly”, then click “Add new”.
In the search box, enter “plugin central” and click “Search plugins”. Plugin Central should be the first plugin in the list, so click “install”, then “ok”, then “activate plugin”. Congratulations, you’ve just installed your first plugin.
Now, on the left, you’ll see “Plugin Central” under Plugins. Click it. In the Easy Plugin Installation box, copy and paste the following:
All in One SEO Pack Contact Form 7 WordPress Database Backup SEO SearchTerms Tagging 2 WP Super Cache Conditional CAPTCHA for WordPress date exclusion seo WP Policies Pretty Link Lite google xml sitemaps Jetpack by WordPress.com
Click “install”.
On the left, click “Installed Plugins”. On the next screen, click the box next to “Plugins”, then select “Activate” from the dropdown and click apply.
Still under Plugins, click “Akismet Configuration”. Enter your API key and hit “update options”. You probably don’t have one, so click “get your key”.
The only tool I worry about is the backup. It’s super-easy to set up. Click “Tools”, then “Backup”.
Scroll down to “Schedule Backups”, select weekly, make sure it’s set to a good email address and click “Schedule Backup”. I only save weekly because we won’t be adding daily content. Weekly is safe enough, without filling up your email inbox.
There are a lot of settings we’re going to set. This is going to make the site more usable and help the search engines find your site. We’re going to go right down the list. If you see a section that I don’t mention, it’s because the defaults are good enough.
Set the Default Post Category to “Misc”.
Visit this page and copy the entire list into “Update Service” box. This will make the site ping a few dozen services every time you publish a post. It’s a fast way to get each post indexed by Google.
Click “Save Changes”.
Uncheck everything under “Email me whenever…” and hit save. This lets people submit comments, without actually posting the comments or emailing me when they do so. Every once in a while, I go manually approve the comments, but I don’t make it a priority.
Select “Custom structure” and enter this: /%postname%/
Click save.
Set the status to “Enabled”, then fill out the site title and description. Keep the description to about 160 characters. This is what builds the blurb that shows up by the link when you site shows up in Google’s results.
Check the boxes for “Use categories for META keywords” and “Use noindex for tag archives”.
Click “Update Options”.
Check the boxes to remove each of the dates and set the alt text to “purpose” or something. This will suppress the date so your posts won’t look obsolete.
This plugin reinforces the searches that bring people to your site. It’s kind of neat. Skip the registration, accept the defaults and hit save.
Scroll to the bottom and click import. We’ll come back to this.
Select “Caching On” and hit save.
Across the top of the screen should be a giant banner telling you to connect to WordPress.com and set up Jetpack. You’ll need an account on WordPress.com, so go there and set one up. After authorizing the site, you’ll be brought back to the Jetpack configuration screen. Click “Configure” under “WordPress.com Stats”. Take the defaults and hit save.
On the contact configuration page, copy the code in the top section. You’ll need this in a moment.
Now, we going to create a couple of static pages. On the left, click “Pages”, then “Add new”.
Name the first page “Contact” and put the contact form code in the body of the page. Hit publish.
Under Appearance, click “Menu”. Enter a menu name and hit save.
Then, under “Pages”, click the box next to “Contact”, “Disclaimer”, and any other policies you’d like to display. Hit save.
Also under Appearance, click “Widgets”. This is where you’ll select what will display in the sidebar. All you have to do is drag the boxes you want from the middle of the page to the widget bar on the right. I recommend Text, Search, Recent Posts, Popular Search Terms and Tag Cloud. In the text box, just put some placeholder text in it, like “Product will go here”. We’ll address this next time.
We’re not going to worry about getting posts in place, yet. That will be the next installment. However, the steps in the next installment could take 2 weeks to implement, and we want Google to start paying attention now. To make that happen, we need to get a little bit of content in place. This won’t be permanent content. It’s only there so Google has something to see when it comes crawling.
To get this temporary, yet legal content, I use eZineArticles. Just go search for something in your niche that doesn’t look too spammy.
Then, click “Posts”, then delete the “Hello World” post. Click “Add new”. Copy the eZine article, being sure to include the author box at the bottom, and hit publish.
To see your changes, you may have to go to Settings, then WP Cache and delete the cache so your site will refresh.
Congratulations! You now have a niche blog with content. It’s not ready to make you any money, yet, but it is ready for Google to start paying attention. In the next installment, I’ll show you how I get real unique content and set it up so Google keeps coming back to show me the love.
This month, I am trying to establish the Slow Carb Diet as a habit. At the end of the month, I’ll see what the results were and decide if it’s worth continuing. For those who don’t know, the Slow Carb Diet involves cutting out potatoes, rice, flour, sugar, and dairy in all their forms. My meals consist of 40% proteins, 30% vegetables, and 30% legumes(beans or lentils). There is no calorie counting, just some specific rules, accompanied by a timed supplement regimen and some timed exercises to manipulate my metabolism. The supplements are NOT effedrin-based diet pills, or, in fact, uppers of any kind. There is also a weekly cheat day, to cut the impulse to cheat and to avoid letting my body go into famine mode.
I’m measuring two metrics, my weight and the total inches of my waist , hips, biceps, and thighs. Between the two, I should have an accurate assessment of my progress.
Weight: I have lost 22 pounds since January 2nd. That’s 2 pounds since last week.
Total Inches: I have lost 11.5 inches in the same time frame, down 1.5 since last week.
I’m sad. I’m only down 2 more pounds this week. On the other hand, I’m averaging almost a pound a day without exercising. I’m on a new belt loop and I’ve actually lost a ring size. I’m going to keep this up for another month. That’s the beautiful thing about 30 Day Projects: A month isn’t an intimidating length of time. My goal for next month is to drop another 20 pounds.
That said, this is a pretty easy diet to follow. If I get a hankering for a candy bar on Wednesday, it’s far easier to tell myself to wait 3 days than it is to tell myself that it will never happen. Moderation has never been my strong suit. It’s far easier for me to set some solid rules that give me a built-in outlet.
Do you really want to tie yourself down for the next 30 years. Sandy doesn’t, and I agree. 30 year mortgages suck.
Trent lists seven common bills and ways to save on each.
Free From Broke ran a guest post from Melissa on how–and why–to freeze your credit.
Larry Correia’s new book, Hard Magic, is available as an Early Advanced Read Copy from Baen Books. That means you can read the book before it is published. It’s not quite as polished as the final, but still quite good. I’ve read the first 7 chapters and am looking forward to reading the final version.
This is where I review the posts I wrote one year ago.
In Make Yourself Accountable, I list several ways to achieve your goals, primarily by getting other people involved, either to talk you down or to participate in your public humiliation if you fail.
In 6 Questions, I reveal the details of how I manage my finances. The only one that has changed in the last year is #1. We have moved back to our debit card now that we’ve established better habits.
I also wrote a post about preparing your children to deal with their finances. The most important one is to teach delayed gratification. Yesterday, my son finally had enough money to buy himself a PSP, after saving for it for months. He earned it and he is incredibly thrilled to have it.
What Happens When You Save was an Editor’s Pick at the Totally Money Carnival. Thank you, Crystal!
5 Steps to Save was included in the Carnival of Personal Finance.
Thank you! If I missed anyone, please let me know.
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Have a great weekend!
Today, I am continuing the series, Money Problems: 30 Days to Perfect Finances. The series will consist of 30 things you can do in one setting to perfect your finances. It’s not a system to magically make your debt disappear. Instead, it is a path to understanding where you are, where you want to be, and–most importantly–how to bridge the gap.
I’m not running the series in 30 consecutive days. That’s not my schedule. Also, I think that talking about the same thing for 30 days straight will bore both of us. Instead, it will run roughly once a week. To make sure you don’t miss a post, please take a moment to subscribe, either by email or rss.
On this, Day 6, we’re going to talk about cutting your expenses.
Once you free up some income, you’ll get a lot of leeway in how you’re able to spend your money, but also important–possibly more important–is to cut out the crap you just don’t need. Eliminate the expenses that aren’t providing any value in your life. What you need to do is take a look at every individual piece of your budget, every line item, every expense you have and see what you can cut. Some of it, you really don’t need. Do you need a paid subscription to AmishDatingConnect.com?
If you need to keep an expense, you can just try to lower it. For example, cable companies regularly have promotions for new customers that will lower the cost to $19 a month for high-speed internet. Now, if you call up the cable company and ask for the retention department, tell them you are going to switch to a dish. Ask, “What are you willing to do to keep my business?” There is an incredibly good chance that they will offer you the same deal–$20 a month–for the next three or four months. Poof, you save money. You can call every bill you’ve got to ask them how you can save money.
I called my electric company and my gas company to get on their budget plans. This doesn’t actually save me money but it does provide me with a consistent budget all year long, so instead of getting a $300 gas bill in the depths of January’s hellish cold, I pay $60 a month. It is averaged out over the course of the year. It feels like less and it lets me get a stable budget. Other bills are similar. You can call your credit card companies and tell them everything you take your business to another card that gave you an offer of 5% under what ever you are currently paying. It doesn’t even have to be a real offer. Just call them up and say you are going to transfer your balance away unless they can meet or beat the new interest rate. If you’ve been making on-time payments for any length of time–even six months or a year–they’re going to lower the interest rate business, no problem. Start out by asking for at least a 5% drop. In fact, demand no more than 9.9%.
Once you’ve gone through every single one of your bills, you’ll be surprised by how much money you’re no longer paying, whether it’s because somebody lowered the bill for you or you scratched it off the list completely.
Debt can be thought of as a disease–probably social. Most of the time, it was acquired through poor decision making, possibly while competing with your friends, occasionally after having a few too many, often as an ego boost. Unfortunately, you can’t make it go away with a simple shot of penicillin. It takes work, commitment and dedication. Here are three steps to treating this particular affliction.
1. Burn it, bash it, torch it, toss it, disinfect. Get rid of the things that enable you to accumulate debt. If you keep using debt as debt, you will never have it all paid off. That’s like only taking 3 days of a 10 day antibiotic. Do you really want that itchy rash bloodsucking debt rearing its ugly head when you’ve got an important destination for your money? Take steps to protect yourself. Wrap that debt up and keep it away.
2. Quit buying stuff. Chances are, you have enough stuff. Do you really need that Tusken Raider bobble-head or the brushed titanium spork? They may make you feel better in the short term, but after breakfast, what have you gained? A fleeting memory, a bit of cleanup, and an odd ache that you can’t quite explain to your friends. Only buy the stuff you need, and make it things you will keep forever. If you do need to indulge, hold off for 30 days to see if it’s really worthwhile. If it’s really worth having, you can scratch that itch in a month with far fewer regrets.
3. Spend less. This is the obvious one. The simple one. The one that makes breaking a heroin addiction look like a cake-walk(My apologies to recovering heroin addicts. If you’re to the point that personal finance is important to you, you’ve come a long way. Congratulations!). Cut your bills, increase your income. Do whatever it takes to lower your bottom line and raise your top line. Call your utilities. If they are going to take your money, make them work for it. If they can’t buy you drinks or lower your payments, get them out of your life. There’s almost always an alternative. Don’t be afraid to banish your toxic payments. Eliminate your debt payments. This page has a useful guide to debt and how to clear it off.
Update: This post has been included in the Festival of Frugality.