The phrase “home education images” makes me smile wryly. It appears with the growth of the number of home-educated children, there are many opinions about the potential damage home-educating families may be doing to their children. If you accept as I do that most parents do their best you will realise that if anything it is the home-educating mums and dads themselves who will worry most about the welfare of their children. I know I question myself, our decision to home educate and so much else on an almost daily basis.

Home education images

Home Education Images

Home education images that I see on home education blogs and networks shows a lot of magical memory making. I am in awe of what many home-educating parents do with their children and the creativity they show. I worry that I spend too much time coming from a very schooled background missing out a little on even knowing on how to inject that magical touch. However some days we make it!

Home education day

Our home education day yesterday included practising French in France with French  people. It also involved trying out local food and drink. It also involved us collecting apples in readiness to make crab apple jelly. This was a lot of fun as you can see from my son’s face. We were outdoors away from our various screens. There was lots of laughter, lots of risk-taking as my son climbed trees higher and higher and plenty of healthy fresh air.

A different home education image

If you visited us today, you will have seen that we managed a long walk with the dogs. We got a little more structured today and studied some abstract art. Again there was lots of giggles as my son is not a fan at all preferring  to see more concrete representations of things when it comes to paintings. We moved on as part of our World War One studies to listen to a former Doctor Who reading Wilfred Owen’s “Dulce et Decorum Est”. We discussed the extent to which war should or should not be glorified. It was interesting to find out the origin of the term “Dulce et Decorum Est”. One thing I love about home education is that we can follow up questions for as long as it takes without the bell going for another class. French lessons will follow later along with preparation of a chlli con carne dinner and looking at different forms of crab apple jelly.

Home Education Images

What am I really saying?

I think what I am trying to say is that home education images vary and that’s OK. People have a right to question the merit of home education and to find out more. Others have a right to question the education system and the pressures it is putting on children. If we are all positive learners, we can all learn from each other. For me, if my children are mentally well keen to learn and getting outdoors regularly, we are probably  just about on the right track. Today that right track showed us lovely things and made us smile.

Home Education Image

Images Of Home Education

 

 

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Mummy in a Tutu

 

My Random Musings
Living Arrows

You may not realize it, but your credit score is a vitally important record of your financial history that banks, credit card companies, mortgage providers, and all manner of other organizations make use of to determine whether you are a good credit risk. Your record will reflect how good you are at paying off borrowings, and the more positive information there is available, the higher your score will be. This gives you a far better choice when it comes to new forms of borrowing or taking on a rental agreement, and you may well be offered better terms and lower interest rates if you have a good credit score.

Checking your score

In the United States, there are three main credit bureaux who keep track of your credit score – Equifax, Experian, and TransUnion. If you haven’t already done so, you should register with one of these services and take a look at what is held on file in your name. Make sure all the facts are correct, too; it’s not uncommon for there to be an error in your history that could be affecting your rating – for example, a mark against your address because of the previous occupier’s missed repayments, which have nothing to do with you. In addition to having poor marks for missed repayments, excessive debts and so on, you may have a low score simply because you haven’t had credit before, meaning there’s no indication to providers of how likely you are to make regular repayments.

Building your score

Once you’ve checked your current score and made sure the information held on you is accurate, there are several ways to improve your rating:

  • Make sure you spend within your means and keep up repayments on any debts. Try to pay off more than the minimum on credit card borrowing each month if you can.
  • If you’re paying a mortgage, this will automatically be recorded in your account, but that’s not the case for renters. If you are paying rent, sign up for a service such as RentTrack that makes your payments for you and reports this to the credit bureaux. That way you will gain the benefit of demonstrating you can make monthly payments on time, and the RentTrack cost for this service is very reasonable.
  • Use a credit card to build up some history. This is a good idea if you have had debt problems in the past, or you have little or no history. Take out a credit card – there are specific cards available for people with low credit scores – and use it to pay for some of your regular purchases each month. As long as you are paying the card off on time, you will be adding positive history to your account.
  • Don’t apply for loans and credit cards before using a calculator that assesses the likelihood that you will be accepted. Making applications leaves a mark on your file, whether you go through with the offer or not.

Credit bureau services usually offer advice on how to improve your score, so it’s worth checking out what they recommend. Taking steps to improve your score will save you money and give you a far greater choice when it comes to financial decision-making, so it’s well worth making the effort.

Rebuilding Your Credit Score

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My Random Musings

Who doesn’t want their home to look like one of those big reveals on HGTV? Unfortunately, we don’t all have the budget to afford a luxury interior designer to make our homes picture perfect. Just because you don’t have a professional design crew at your disposal doesn’t mean you have to sacrifice quality.

When it comes to your home, it’s all about quality over quantity. While you might not be able to afford a complete home renovation, that doesn’t mean you have to accept a life of bargain bin style. As long as you know where to focus the funds you do have (and you’re not afraid of a little elbow grease), you can create a luxury home without breaking the bank.

1. Choose a color palette (and stick with it).

You can add a touch of luxury just by knowing a few elements of design. Color plays a huge role in the mood of a room, but choosing the right colors can sometimes feel like playing the lottery. According to a recent Zillow analysis, homes with shades of powder blue and periwinkle have an increased value of $5,440 on average. While that doesn’t mean you need to run to the store to buy a shade of light blue right now, it does mean color packs a serious punch.

To master the art of color, start small. Work on the main living areas first to gain confidence, then move to the other parts of your home. You don’t need a degree in design to make the colors in your home work for you. You can figure it out for yourself with a simple color wheel. Using colors that appear next to each other will be calming. On the other hand, opposite colors will be bold.

Luxury

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2. Add texture to create a polished look.

From metal to thick fabric, texture makes your space look luxurious without that expensive price tag. Think of your favorite hotel rooms you’ve stayed in. What made those rooms so special? Odds are it’s the lush bedding, the fabrics, and the metal accents. You can incorporate these in small ways, like through brass fixtures and sculptures as well as lush rugs and cushions.

Playing with texture is a balancing act. Metallics are harsh when used in excess, so you need to soften these shades with plush accessories. We all need accents that shimmer and shine, but we don’t want our homes to be so dazzling they start to feel cold. Those metallics are the little black dress of your home design, while your fabrics will soften the overall look.

Luxury

Image via Pexels

3. Upgrade your furniture.

Think of your furniture as the featured actors in a production. They’re the stars of the show, and everything else is just in a supporting role. Today, most affordable furniture is mass produced and not built to last. These pieces are designed with modern trends in mind, and they won’t fit your design over the years as it continues to evolve.

Do your wallet and your home design a favor and upgrade your furniture. Look for quality pieces that are built with the future in mind. A lot of people make the mistake of thinking they can’t afford high-quality furniture when the reality is they can’t afford not to purchase high-quality furniture.

Inexpensive, low-quality furniture has a short lifespan. It’ll need to be replaced in 1-3 years, and that means buying another low-quality piece to fill its place. This cycle is endless until you realize the best option is to choose quality furniture from the start. Visit Amish Tables to see for yourself why quality, custom furniture is a smarter choice.

Luxury

Image via Pexels

4. Add molding to your malls.

One of the staples of classic, luxury homes is the crown molding. While your first thought when you think of molding might be something overly Victorian and gaudy, you don’t have to go that route unless it makes sense for your design. Adding molding to the baseboards, ceiling, and chair rail can add depth to your space.

The trick to ensuring your molding doesn’t date your home is to keep it simple. Single-shape molding adds an element of style without being too over-the-top. The good news is that as long as you have a steady hand and some patience, you can install molding yourself in just a few hours.

5. Wallpaper your walls.

Like crown molding, wallpaper evokes a vision of stuffy, outdated homes. Cast all of those thoughts about wallpaper out of your mind. Wallpaper of today is a whole different beast, and it’s guaranteed to take your home design up a notch. Today, wallpaper comes in a wide array of modern patterns and styles. It’s no longer a pain to apply and to remove, and some of it is even reusable.

You can incorporate wallpaper in so many ways that it’s easy to get overwhelmed. The most modern options are geometric styles and florals, but don’t be afraid to go bold. You can cover the entire room or just a statement wall, and you can always take it down when you’re ready to move on to a new design.

Luxury

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6. Take your windows higher with window treatments.

Unless you’re willing to start a major renovation, you probably aren’t physically able to move your ceiling higher. Grand, luxe homes always seem to have high ceilings. While there’s no secret trick to raise your ceiling magically, you can create the illusion of more space with some window treatments.

First, opt for wall-length curtains that go from the floor to the ceiling, even if your window isn’t that high. This will draw the eye upwards and enlarge the space. Next, add depth with custom blinds or paneling. This simple upgrade will transform your home into a spacious wonderland.

7. Hang statement artwork.

Many new home designers are intimidated by choosing art since there’s so much pressure to find the “right” photos or prints, but this is misguided. The reality is that it doesn’t matter what you hang, as long as you hang it well. Let’s talk about the nitty-gritty of actually hanging art with confidence. Don’t worry, you don’t need to measure with your arm anymore.

Luxury

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Step 1: Measure the top edge of the frame to the hook or nail. This will account for any height difference between where the nail actually sits and the top of the art.

Step 2: Time for some simple math. Divide the entire frame height in half, then subtract the measurement we figured out in the first step. If you’re framing something that’s 22 inches tall, you’ll divide 20 by 2 to get 11. Then, subtract 1 inch for the nail position to get 10 inches.

Step 3: The prime hanging spot should be within an average person’s line of sight—usually 60 inches off the ground at the center. That means we’re going to add 60 to our measurement. When we add 60 to our example, that leaves us with 70 inches. Mark your spot on the wall according to this calculation, and you’re ready to go.

Creating A Luxurious Space

Who doesn’t feel at home in a luxury hotel room? There’s something about the quality design of these rooms that make us want to stay forever. You can bring the luxe of your favorite hotel rooms to your own home with these ideas above.

Luxury doesn’t have to mean expensive. It’s all about the feelings behind the pieces you choose. Your home is your story you’re sharing with yourself and guests. What favorite things and styles do you want to surround yourself with?

Don’t forget to pin these ideas for later.

Linking up with https://www.clairejustineoxox.com/2018/09/goodbye-summer-hello-autumn.html

My Random Musings

When you set up a business, one of the decisions you need to make is whether you will operate as a limited company or a sole trader. Setting up a limited company can appear daunting but does have some advantages that you need to consider.

Limited liability

Although when you set up a business, you are full of hope and self-belief, the truth is that things can go wrong in business. Limited liability protects you if things do go awry as you will not be personally liable for any losses made by your company. This is because the company is a separate legal entity in its own right with its own bank account, assets and so on.

Prestige

Companies and individuals you do business with may see you are more professional if you are operating as a limited company. Some people will have a business policy of never dealing with sole traders or partnerships. So to an extent, establishing yourself as a limited company can be a marketing tool.

You company name

Once you have successfully registered your company with Companies House your company name is protected by law. They have  very strict rules for the naming of companies so no one else can use the same name as you, or anything deemed too similar. If you know you are the only person operation with your company name, you know you will always stand out and other businesses will not be able to pass themselves off as your business.

Transfer of ownership

When you start a business, succession may not be on your mind but establishing a limited company offers protection for future events too should you wish to transfer ownership in your company to others. This means you or other shareholders in your business can retire easily when the time comes or move on to pastures new without threatening the business.

You should also look into the pay and tax advantages of setting up a limited company which can make you far better of financially. To work out which legal structure of business is best for you, go to the One Click Group which will help you work out the right answer for your individual business.

My Random Musings

Yesterday, I gave up on my son for the first time in his life. I honestly felt that I was not equipped to help him in the present or the future. He was also making it very clear that I was being stupid, not listening and not helping one bit. I ended up concluding that he should rely on his father from now on rather than myself.

Let me explain the situation. We moved to France just over a year ago basically because we felt we were working for nothing in the UK with high rents and so on. I had always fancied living in France anyway but not pursued it as my husband is not the most adventurous. When I saw an advert for a rented house in France I raised the issue which my husband poo-poo-ed as he does with most of my ideas. He came round to the idea when I explained how much better off we would be.

We remained in the UK long enough for my son to do his GCSES. He was disappointed with his results. If am perfectly honest so was I particularly when I thought about how I had encouraged him to revise and perhaps put school work over video games from time to time. That said he was also ill with time off school last year and he struggles with what I think is dyspraxia. We negotiated for special extra time in his exams so he could get things down on paper in the time slot. He did have some incredibly good grades in Mathematics, English Literature and RS. He had wanted to do History and Domestic Science but the places were full for those courses. Politics which is one of his passions was not even on offer.

My son is like me in sometimes really lacking self-belief. I am having to go back and remember just how rotten that is when you are young. The good thing with getting older is even when the negative self-talk hits, you do actually know you can overcome challenges.

I talk to him a lot and explain how people we know including in the family have done amazingly well in life with no or poor exam results. I also point out that despite my degree in Law from Cambridge University, I have never managed to get wealthy or even reasonably well off. I explain that sometimes you meet people that turn your life around in unpredictable ways. He looks at me and I can see what I am saying is not really registering. I remember being the same at his age feeling the older generation really did not get the traumas of the younger one.

It all started yesterday when I was having a really positive home education session with my younger son and daughter. We were looking into various aspects of World War Two. When Anderson shelters were mentioned in a video we were watching we decided to find out why they were named that. Then I came up with the idea we could build one on the land here over the weekend to get us working together as a family outdoors. My husband’s response to this from the other room was that I was being over-ambitious. My teen son followed this up by saying yes his dad was right and it was totally impractical. I lost it. I have asked both of them over the years to help me with home education and they don’t. I think that is fair enough for my teen but really resent that my husband does not help and resents my requests for him to get involved. He has delivered around 5 lessons in 4 years so you get the idea. This from the man who promised he would cover science and maths subjects leaving me to focus on the arts.

My take is that those who do bugger all should not expect perfection from those who are at least making an attempt to get it right!

Anyway, I lost my temper and then cried. We are in France. My teen son wants to return to the UK. He wants a life of his own but does not really know where to start.

Last night when we had calmed down a bit, we chatted. He thinks an apprenticeship would be his best option ideally related to theatre, film, history or politics. He would like to live with a friend but his friends are not in their own places yet and still living with parents. To his credit, he knows I love it here so does not want to drag me back to the UK. I of course want to support him so would happily return to the UK to get him on his feet. We have worked out we need another year to work it all out and in the meantime he can learn French. He says he has tried so I have said we can sit down every day and do a French lesson. We did this today and he made no mistakes at all so that’s a step in the right direction.

I guess this is a triumphant tale in that both of us felt ready to give up on the other yesterday but resolved it positively. I honestly though I was doing the right thing bringing us all here and we have all had a good year but I now need to realise my son has his own dreams that might not quite match with my own and that is OK. We are in this together

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Reflections from me

 

Lucy At Home UK parenting blogger

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