My boys likes the JumpStart workbooks -- very colorful and engaging.
We also got some at lakeshore learning, but I can't remember the name of the seris, but they came with stickers and chart to put a sticker on it for each page you finished -- they liked those too.
I think we did about half of the First grade section before giving up on it. It just didn't fit my son, who hates repition once he's gotten something. We're much more informal about language arts. Though as my husband is a college English professor our home environment is natural very language focused.
When my son was interested in guitar at that age, we picked up a pretty cheap kids sized one at costco. We didn't do any formal lessons, just had it to play with/interact with.
My kids never went beyond that (though ds2 is now doing violin). If they had continued to express interest we would have looked into lessons.
not with our current mortage -- which is low for our area.
Though I suppose we would qualify for all sorts of assistance at that point, so maybe we could -- but I don't really know anything about government benefits.