Keep in mind:

• Everyone's HO will be different. 
• You have to customize it to meet the needs of your family.
• It will change with the everyday/week/month, etc. changes of your family

Using your dividers:

• Divide your manual into logical sections: important dates, bank accounts, bills, insurance, etc.
• When labeling your sections be very specific.  For example, write Bank, rather than Financial Info.  Financial Info could be anything from accounts,  bills, investments.  Keep a seperate section for each of these things.
• A few suggested sections: Calendar,  Important Dates,  Bank,  Insurance,  Bills,  School,  Phone Numbers & Addresses,  Menu/Meal Planning,  Projects

Customizing your manual:

• You can type up neat pages and print them out, or you can write on looseleaf.
• If you print pages, you will need clear page protectors with holes already in them.
• We will be adding printable pages for you to add to your HO
•   Click on links above or see sample pages for examples!
• See Options for other tips and ideas.
• Don't stress about doing this all at once, remember "tiny steps". 

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