Published at Saturday, October 22nd 2016. by Fantine Maëline in Worksheets.
2. Monthly Financial Report Worksheet – After you have tracked you spending you are now ready to fill out a monthly financial report worksheet for that 30 day period. On this worksheet you will record you income for the month along with your spending in each expense category. After you have subtracted your total expenses from your net spendable income, you will see if you have an excess or if you where short for that month. 3. Monthly Budget Worksheet – Once you complete the monthly financial report for the past month, you are ready to create your monthly budget for next month using a monthly budget worksheet. On this worksheet you will record all your monthly bills, including the amounts and the due dates. You will also allow a certain amount of money for all other expense categories based on your previous monthly financial report. If you operated last month in the red, you will want to look at where you can cut your spending this month so you have a balanced budget with a little excess at the end of the month. So, as you can see, creating a monthly budget is pretty simple if you use these three must-have budget worksheets. It takes some time and work but living within your means is such a great feeling.
Back in the old days, addition, subtraction, multiplication, and division skills were practiced by writing the facts out by hand–maybe 10-20 times each–the entire fact. You are wondering why this was better than writing answers on a worksheet, aren’t you? You will experience the difference yourself if you do this little experiment. Get out a piece of paper and write the entire fact 6 x 8 = 48 and at the same time, say the entire fact out loud as you write it. Say ”six times eight is forty-eight.” as you write 6 x 8 = 48. Now do this ten times. Go ahead, I’ll wait…
Having a goal is not enough. You need a plan, and goal setting worksheets will help you organize your goals and walk you through the steps necessary for success. We have all been taught the importance of goal setting and, in truth, our everyday lives consist of a series of little goals that we are constantly setting and achieving, even though we are often not conscious of this process. Arriving at work on time, preparing for a business meeting, or even completing household chores are all examples of goal achievement. These same principles can be applied on a larger scale to help you work toward your longer term or lifetime dreams. Wanting something, or even spending a lot of time thinking about it, will not provide enough focus to motivate you to move forward with your goal. You need to write your thoughts down and create a blueprint or road map that is very specific and provides clear direction so you know exactly what you are working toward and what steps you need to take to get where you want to go.
What to Consider When Using a Writing Worksheet. Parents and teachers should always take into consideration the child or student they are teaching. It is good to customize the worksheet based on the profile of the learner. For example, if it is a preschooler you are teaching, it is best to choose worksheets that have colorful graphics for them not to lose interest in it. Additionally, the use of simple words is also necessary to promote understanding especially for young kids. Older kids can very well benefit from worksheets that bring out their creative thinking abilities and those that will help them widen their vocabulary. Young kids can benefit from a writing worksheet because it helps them improve their handwriting skills and at the same time, increase their knowledge. Older kids, on the other hand, can definitely hone their writing abilities and at the same time, ignite a passion for writing that they never would have thought possible if it were not for the help of the writing tool and of course, from your encouragement and prodding.
In my research, I did find one excellent book by Marcia L. Tate titled ”Mathematics Worksheets Don’t Grow Dendrites.” She is referring to the latest in brain research that shows that boredom actually destroys dendrites (connectors in the brain). She gives 20 different strategies for improving learning and provides many different activities designed for K-8 math. I highly recommend her books. Both Marcia Tate and I are saying the same thing–don’t use boring, fill-in worksheets. We want our children growing new dendrites, not destroying them. I also offer a caution here. Many of the materials offered online for parents to help their children are nothing more than worksheets. Look before you buy. You don’t need worksheets. Use a small whiteboard instead.
Now, consider a worksheet with 6 x 8 = ____ written ten times, but in a column. The child only has to consider the entire fact of 6 x 8 = 48 once. Then the child just writes 48 in the other slots without repeating the entire fact or even thinking the entire fact. There is a huge difference between recognizing the fact 6 x 8 = 48 and have to actively think about, write, and say 6 x 8 = 48 many times. This difference is equivalent to the difference between a multiple choice question and an essay question. The copy machine brought worksheets and worksheets greatly reduced the number of times a fact was repeated. Repetition is extremely important to learning a skill. In addition to the repetition issue is the fact that the more of your five senses you use in learning, the quicker you will learn and the longer the learning will last. Writing out the entire fact as you say it, uses vision, hearing and touch. And if you use a whiteboard rather than paper, your child will be happier about writing out the facts.
When Not to Use Addition Worksheets. Worksheets should not be used as ”busy” work. This is a method used by overworked and overwhelmed public school teachers. With many students working in one room at different levels, teachers have no choice but to give ”busy” work to maintain a sense of order in the classroom. Fortunately, this isn’t the case with home schooling. When your child has finished his work, reward him by letting him do something he enjoys. If you need to keep your child occupied while you are working with one of your other children, have certain educational things your child can be doing such as building with Legos, educational computer games, reading a book, or puzzles — whatever your child enjoys.
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