Tag Archives: cost

The Value Vs. Cost of A Christian School Education

For which of you, intending to build a tower, sitteth not down first, and counteth the cost, whether he have sufficient to finish it?  Luke 14:28

While you may not be building a tower, every parent is building a child!  The principle of counting the cost definitely applies to how we manage the upbringing and education of our children.  To the Christian parent with conviction for Christian education, there is no monetary value that they would place on a Christian school opportunity for their children. To them it is priceless.

The value of the Christian school far outweighs any monetary cost. The parent with conviction for Christian schooling will find any and every way possible to pay tuition, look for financial assistance, and even change money spending patterns – in order to put or keep their kids in the Christian school.

Everything worth something does cost.  It could cost time, money, energy, and most definitely – commitment.  Schooling always will cost something. Even if a government school education does not cost money, it does cost something.   Not everything is measured by dollars and cents.

So many are the benefits of a Christian school:

  • The reinforcement of Christian values the parents are currently teaching at home.
  • Math, science, literature, and history all taught from an absolute truth perspective.
  • Weekly chapels and daily bible classes to encourage spiritual growth and frame advanced spiritual formation in the heart and mind of the student.
  • A safe place to practice Christianity on a daily basis.
  • Not only is there the potential for spiritual formation, but also social formation. Students can practice their Christianity and relational skills in a formal setting.
  • An atmosphere that reduces, not totally eliminates, a worldly mindset. Kids are kids (still sinners) in any environment.
  • The areas of academic rigor, social interaction, and personal discipline each have high expectations for each student.
  • Teachers who value and love each student, taking the time necessary to engage them daily, pray with them, and encourage good academics while fostering a good attitude.
  • A curriculum developed from a non-secular Christian world view.

These benefits are either practical, philosophical, or spiritual.  None of these benefits are economical.   With benefits like this, you see why parents with a Christian school conviction value the school opportunity so much!  The economic cost is not much compared to the spiritual, social, and philosophical benefits.

It is simply worth it to them. Here are several areas a Christian school convicted parent may change in their life in order to be able to “afford” the Christian school.

  1. They may buy store brand items instead of brand name items.
  2. They may buy food in bulk instead of prepackaged individual servings.
  3. They may go without soda pop or other high-priced beverages. Some people even resort to being so health conscience and financially savvy, they only drink water.
  4. Some resort to buying what is on sale at the grocery store, even clipping coupons, or scanning receipts for refunds on an app.
  5. Some teach their older kids how to mow lawns and the students save up for school the previous summer. Other seasonal work can assist in this too.
  6. They sell high ticket items such as an extra car, boat, ATV, snowmobile, or camper.
  7. They may cut back on unnecessary things in life such as cable, Internet, newspaper / magazine subscriptions, or cell phone services.  Children and teens have no real need for big cell phone plans. Non-smart phones can cost as little as $10 a month and even then – that is a luxury.  One phone to share is sufficient and not only will cut spending but will also ensure morality and create accountability for their phone usage.
  8. They may take less trips. Less spontaneous trips to the store due to poor planning. Even 2-3 days less on some vacations (in some cases) could pay the entire year’s tuition for one student!

Cost Versus Value.  They do not always match.  Explore your options.  How much of a value is a Christian School Education as opposed to not having one?  What is the true cost?

Any other cost cutting ideas to help pay tuition for a Christian school education???

Please post them in the comments below.

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Finding Financial Freedom PART 4

III. Consider Others.
“According to the Guinness Book of World Records, Hetty Green may have been the biggest miser who ever lived. Her father died when she was thirty leaving her an inheritance of more than $100 million in today’s money. Though it was unusual for a woman to be involved with banking and investments at the time, she concentrated all of her efforts and attention on growing the family fortune.
Her focus on money drove a wedge between her husband and their two children. And the family was scattered. Known for eating cold oatmeal to save money for heating and washing only the hem of her dress to save money on soap, she was sometimes called the “Witch of Wall Street.” When her son, Ned, broke his leg as a boy, she tried to have him treated in a free clinic for the poor, before treating him at home. His leg would later have to be amputated. When she died, Hetty Green was worth the equivalent of some 4 billion dollars today, but she was alone and miserable.” -Min127
1 Timothy 6:10 For the ___________ of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.
IV. Consider Cash: Do Not Spend More Than You Have.

Remember when you could “lay an item away” at K-Mart? “Some people buy things on the “lay awake plan.” They lay awake each evening trying to figure out how they will pay for it!” -Min127
Luke 14:28 For which of you, intending to build a tower, sitteth not down first, and counteth the ___________, whether he have sufficient to finish it?
Proverbs 22:7 The rich ruleth over the poor, and the borrower is _________________ to the lender.

V. Consider Your “Wanter.”
“The story is told about a clever salesman who closed hundreds of sales with this line: “Let me show you something several of your neighbors said you couldn’t afford.”” -Min127

We all “Want” certain things in life.  If we are not careful – our wants will control our thoughts and decisions…  Consider the following Scriptures:

Exodus 20:17 Thou shalt ________ covet thy neighbour’s house, thou shalt not covet thy neighbour’s wife, nor his manservant, nor his maidservant, nor his ox, nor his ass, nor any thing that is thy neighbour’s.
Psalm 119:36 Incline my _______________ unto thy testimonies, and not to covetousness.
Proverbs 21:26 He coveteth greedily all the day long: but the righteous _____________ and spareth not.
1 Corinthians 5:11 But now I have written unto you not to keep company, if any man that is called a brother be a fornicator, or covetous, or an idolater, or a railer, or a drunkard, or an extortioner; with such an one no not to eat.
Guard your eyes and your thoughts. Avoid dwelling on “what you do not have” and be thankful for what God has already given you.
When I was a boy, my parents would teach me to tithe, give, save, and spend little. Only things I bought were some baseball cards and new shoes. The rest was either given away or saved. When after college Natalie and I were married, I had several thousand dollars that we lived on for a while.
Personal Financial Discipline Honors the Lord.
“$1.00 spent for lunch lasts five hours.
$1.00 spent for a neck-tie lasts five weeks.
$1.00 spent for a cap lasts five months.
$1.00 spent for an auto lasts five years.
$1.00 spent for a railroad lasts five decades.
$1.00 spent in God’s service lasts for eternity.”  -Roger W. Babson

Psalm 62:10 Trust not in oppression, and become not vain in robbery: if riches increase, set not your heart upon them.

Finding Financial Freedom PART 3

Finding Financial Freedom PART 3

How Can I Be Rich Towards God…
I. Consider God First.

I like this money story:  “A torn and ragged one-dollar bill discovered that it was about to be retired from circulation. As it slowly moved along the conveyor belt to the shredder, it became acquainted and struck up a conversation with a fifty-dollar bill that was meeting the same fate.

The fifty began reminiscing about its travels all over the country. Life has been good,” the fifty exclaimed. “Why, I’ve been to Las Vegas, the finest restaurants in New York, political fund raisers, and I just returned from a cruise on the Caribbean.”
The one-dollar bill said, “You’re fortunate to have been able to visit all those places.”
So where all have you been in your lifetime, my little friend,” said the fifty?” “Well, I’ve been to the Methodist church, the Baptist church, the Episcopal church, the Presbyterian church, the Lutheran church, the Catholic church, the Salvation Army church, the Orthodox church, the Assembly of God church, the Brethren church, the Quaker church, the Pentecostal church, the Charismatic church, and the Church of Christ.
“Excuse me,” said the fifty, “but what’s a Church?”” -Min127
• First Fruits. Proverbs 3:9 Honour the LORD with thy substance, and with the firstfruits of all thine _________________:
• First Withdrawal.  Have a thought-out plan.  Schedule Tithing, giving, saving, etc. These disciplines should be habit. They are not based on how I feel. You may not feel like brushing teeth or cleaning your clothes but you do it. 1 Timothy 6:7-8 For we brought nothing into this world, and it is certain we can carry nothing out. And having food and raiment let us be therewith ____________________.

II. Consider Savings Second
Have a Savings Strategy.  Have long term planning.  Save up a short term savings for emergencies. Start with $1000 in emergency cash.  Follow your budget. Have one.  Find Ways to Save Pennies. Delay purchases one more month. Wait. Don’t buy things you will seldom if ever use.

BTW: It does not matter if it is a good deal – if you do not need it – don’t buy it.  Avoid the sales pressures of “Buy In next 15 minutes or you will lose the sale.”  Walk away.  Avoid the Checkout Lane items.
BTW: Many people in perpetual poverty are the fastest to buy on impulse the items at the checkout lane. Higher priced stuff. You get more product for less at the back of the store.

Here are some ideas to stretch your dollar farther…
o Keep using appliances till they die.
o Buy cars slightly used. Saves thousands on depreciation.
o Pay off the credit card each month. If you struggle to be disciplined, cut the card up, pay the rest of the bill. Use cash or debit.
o Take less vacations until house is paid off.
o Visit family for vacation. Go camping.
o Use Coupons. Mom used to save $10,000 or more with them.
o Learn the “art” of cutting your kids hair.
o Lunch not dinner at restaurants.
o Limit gift costs. Have discipline.
o Smaller birthday parties. Events should not be hundreds of dollars.
o Pay extra on principal not interest

Hebrews 13:5 Let your conversation be without covetousness; and be _____________________ with such things as ye have: for he hath said, I will never leave thee, nor forsake thee.