Nanny to Mommy: saving money

The Ripple Effect of Debt

Saturday, September 6, 2025

When most people think about debt, they imagine the simple act of owing money and needing to repay it. But debt is rarely that straightforward. Its impact extends far beyond bank balances, shaping decisions, opportunities, and even relationships. For some, the question becomes, what is debt forgiveness? Debt forgiveness occurs when a lender cancels part or all of what is owed, providing relief to the borrower. While this can ease an individual’s immediate burden, it does not erase the broader ripple effect debt has already created in a person’s life. Debt touches nearly every aspect of daily living, and its influence can last for years, even after balances are cleared.

How to Make Money When You Don’t Have a Permanent Address

Thursday, August 28, 2025

Recently, my sister experienced homelessness. She had reached a really low point in her life and needed help. Thankfully, she was able to get into rehab, but it wasn’t simple. One of the biggest hurdles wasn’t just finding stability in housing or recovery, it was navigating financial survival without a permanent address.

How to Make Money When You Don’t Have a Permanent Address

Simple things like getting food stamps or health insurance became nearly impossible because the applications required proof of residency. Rehab helped her apply for SNAP (food stamps) and eventually get very low-rate insurance through Georgia Access, but it took extra steps and advocates to guide her through. Watching her walk through that process opened my eyes to how difficult it is for families, individuals, and even veterans who don’t have a permanent place to live.

If you’ve ever wondered how to make money without a permanent address, or why it’s so hard to qualify for assistance in these situations, this post will walk through some options, challenges, and real-life realities.

Taking a Close Look at Your Spending

Wednesday, August 20, 2025

When was the last time you really looked at where your money goes each month? Not just a quick glance at your bank balance but a deep dive into your actual spending habits. Most of us think we know how we spend our money, but when we really break it down, the results can be pretty surprising.

Sometimes, that surprise turns into shock. It’s easy to see why so many people find themselves in financial trouble and even start looking into debt relief when they realize how much money is slipping through the cracks. The good news is that taking a close look at your spending can help you get back on track and make your money work for you instead of against you.

Your Child’s First Lessons in Money Management: Opening a Savings Account and More

Friday, July 25, 2025

When raising young children, the topic of money management often takes a back seat to other day-to- day priorities, such as teaching good manners or helping them learn how to read. However, the habits kids develop early on can strongly influence how they handle their finances later in life.

Your Child’s First Lessons in Money Management: Opening a Savings Account and More

As children grow, they’re often exposed to financial situations, whether it’s tagging along during grocery runs, receiving money for birthdays, or choosing between toys at a store. These everyday moments naturally spark curiosity about how money works.

Rather than waiting for them to learn about finances later, parents can use this curiosity as a starting point for meaningful lessons. These can be as simple as explaining where money comes from, like salaries or allowances, to more structured habits like opening a savings account in the Philippines. With their parents’ guidance, children can develop a strong foundation for financial responsibility.

Let’s go through some of the first money lessons you can teach your child, from understanding the value of money to helping them manage their own savings:

7 Ways to Invest in Yourself to Grow Personally and Professionally

Wednesday, July 2, 2025

Investing shouldn’t be limited to financial assets; rather, it should also include self-improvement. When you gain new skills, further your education, and expand your network, you’re putting money back into your personal and professional growth. This then allows you to achieve greater long-term success and financial stability, both of which are among the top life goals of many Filipinos.

7 Ways to Invest in Yourself to Grow Personally and Professionally

However, financial challenges can make self-investment difficult, especially when many education, training, or career development programs come with significant costs. Indeed, many Filipinos struggle to allocate funds for personal growth due to daily expenses and other financial responsibilities. If you’re on the same boat, one solution would be to explore easy loans that offer flexible repayment terms, allowing you to invest in courses or certifications without straining your budget.

To ensure that your investment in self-improvement pays off, here are some strategies to make your growth journey more impactful and rewarding.

7 Things You Can Do to Manage Your Family Budget Together

Friday, June 27, 2025

The task of managing your family’s finances doesn’t have to be a solo effort. In fact, it’s possible to involve everyone in the household in your efforts to make financial management a less stressful chore. If you have kids at home, for example, involving them in your household budgeting sessions can be an effective way of teaching them about budgeting and money management—both of which are important life skills. Plus, when everyone is involved, there’s a greater sense of accountability and teamwork, which can lead to smarter spending and saving habits for everyone.

7 Things You Can Do to Manage Your Family Budget Together

That said, it may not always be easy to get the whole family on board. Kids typically do not understand the importance of cutting back on expenses, and even adults can have different spending priorities. It’s important to set clear goals, encourage open communication, and find ways to make financial management a team effort so that you can create a healthier relationship with money as a family. To that end, here are some practical ways to make managing your family budget a shared responsibility:

Family Finance 101: A Practical Budgeting Template for Busy Parents

Saturday, May 17, 2025

Managing money as a parent can feel like juggling flaming swords—on a unicycle—while blindfolded. Between groceries, school supplies, unexpected doctor visits, and birthday party invitations (why are there so many?), it’s easy to lose track of where your money is going.

Family Finance 101: A Practical Budgeting Template for Busy Parents

That’s why I created this Family Finance Template: a realistic, no-nonsense budgeting system designed to help busy families stay organized, reduce financial stress, and start saving for the future.

Whether you're a single parent living on one income or part of a dual-income household with unpredictable expenses, this template can be tailored to fit your unique situation.

Family First, Finances Second? Here's How to Do Both Without Losing Your Mind

Tuesday, March 18, 2025

Balancing family life and financial stability is one of the greatest challenges modern parents face. It can feel like you’re constantly pulled in two directions—trying to be fully present for your family while also keeping your finances in order. But achieving both is not only possible—it’s entirely within reach with the right mindset and strategies.

Family First, Finances Second? Here's How to Do Both Without Losing Your Mind

This isn’t about perfection. It’s about clarity, structure, and building a life that reflects your priorities without sacrificing your peace of mind.

10 Smart Ways to Grocery Shop on a Budget Without Sacrificing Healthy Meals for Your Family

Thursday, March 6, 2025

As a parent, managing a family’s grocery bill can feel like a constant balancing act between affordability and providing nutritious meals. The good news is, saving money on groceries doesn’t mean you have to compromise on health. With a bit of planning and mindful shopping, you can stretch your budget while ensuring your kids get the nutrients they need to thrive.
Here are 10 practical tips for grocery shopping on a budget, without skimping on healthy, delicious meals for your family.

10 Smart Ways to Grocery Shop on a Budget Without Sacrificing Healthy Meals for Your Family

Easiest, Fastest, Cheapest Way to Make Passive Income

Tuesday, February 25, 2025

If you're looking to start making passive income, you’ve probably already realized there are many options out there. Some may sound complex, others expensive, or even downright time-consuming. But don’t worry, there are plenty of ways to build passive income streams that are both cost-effective and beginner-friendly. Whether you're looking for a quick way to earn, a long-term investment, or something that can generate income with minimal upkeep, this guide will help you navigate some of the easiest, fastest, and cheapest ways to start earning passive income.

Easiest, Fastest, Cheapest Way to Make Passive Income

12 Effective Money-Saving Tips for Parents Navigating Inflation

Monday, February 24, 2025

Rising prices can make it feel like your family’s budget is stretching thinner every month. But don't worry! With the right financial strategies, you can still provide for your family’s needs while cutting costs. In fact, small changes in your everyday routine can lead to significant savings over time. From simple DIY solutions to smarter shopping habits, here are 12 practical tips that will help you stretch your family’s budget and navigate inflation with confidence.

12 Effective Money-Saving Tips for Parents Navigating Inflation

5 Reasons to Use Your Credit Card for Online Holiday Shopping

Tuesday, January 28, 2025

The holiday season comes with the usual rush of finding the perfect gifts for family and friends. During this time of the year, people would flood malls and shopping centers, battling long lines to make a holiday purchase. Fortunately, due to the rise of e-commerce, online shopping has quickly become a viable solution to combat the so-called Christmas rush.

5 Reasons to Use Your Credit Card for Online Holiday Shopping

With online holiday shopping, consumers can enjoy the ease of exploring and purchasing gifts from the comfort of their homes. It also provides shoppers the ability to compare prices across multiple retailers, allowing them to find the best deals without the stress of weaving through crowds. However, even with all these perks of shopping online, your experience can be ruined if you use an inefficient payment method. A slow or unreliable payment option can lead to delays in completing your purchase. Worse yet, it can leave you vulnerable to fraud, as some options may lack security features needed to protect your personal and financial information. The last thing you want during the holidays is to deal with the stress of payment issues when you’re already juggling shopping lists and tight schedules.

So, to ensure peace of mind, paying with a credit card when you’re shopping online is a good idea. Here are reasons why using a credit card for your online holiday purchases is one of the best decisions you can make this season.

Home vs Car: Which Family Upgrade Should Come First

Friday, September 13, 2024

Families face numerous financial decisions, many involving huge expenses directly affecting their quality of life. Among all the spending categories, a few stand out as especially important for ensuring a comfortable and functional lifestyle.

Two significant investments that most families face are their home and car. Both are essential in different ways: homes provide a safe and secure living environment, while cars are crucial for transportation, especially for commuting or running errands.

How to Find an Apartment as a College Student on a Tight Budget

Wednesday, September 4, 2024

Securing affordable college housing is often one of the biggest challenges students face. Balancing academics, finances, and the need for a comfortable living space can feel overwhelming, especially when you’re working with a limited budget.

How to Find an Apartment as a College Student on a Tight Budget

With tuition fees, student loans, and everyday expenses piling up, finding an apartment that fits your financial constraints requires careful consideration and resourcefulness. Fortunately, there are practical strategies you can employ to make the process smoother and more manageable.

Continue reading to discover how you can find an apartment that suits your needs without breaking the bank.

How Life Insurance Complements Your Financial Plan

Sunday, August 25, 2024

In the labyrinth of financial planning, life insurance often plays an understated yet vital role. Whether you're a novice just dipping your toes into the sea of financial management or a seasoned pro with diversified assets, integrating life insurance can offer unparalleled benefits. This blog post aims to shed light on how life insurance complements your financial plan, providing a safety net for your loved ones and peace of mind for yourself.

How Life Insurance Complements Your Financial Plan

How to Prepare Yourself Financially Before Buying a New Car

Tuesday, August 13, 2024

Purchasing a new car is an exhilarating milestone in your life. Whether it’s your very first set of wheels or an upgrade, it represents both freedom and convenience. Unfortunately, for many of us, the process requires extensive financial planning. Failing to prepare adequately can lead to unnecessary debt and severe financial strain.

How to Prepare Yourself Financially Before Buying a New Car

In this article, we will discuss exactly how you can prepare yourself before buying a car, ensuring you can enjoy your new ride without any headaches. Let’s begin!

9 Must-Know Budget Hacks For Student Apartments

Thursday, May 23, 2024

Being a student who moves out of their home and leads an independent life in an apartment is a memorable transition in their young adult experience. This budding beginning is as exciting as it gets, but there are also hurdles that go along with it—tight budget being one of them. Suddenly, they become the best accountants, taking note of all their expenditures.

9 Must-Know Budget Hacks For Student Apartments

If you're planning to live in a student apartment, it won’t hurt to be aware of some budget hacks to conserve your finite finances and stretch your dollars without sacrificing your quality of life.

Financial Planning 101: Assessing Your Needs and Goals for Life Insurance Coverage

Thursday, February 29, 2024

Insurance is a topic that might not be the most glamorous, but trust me, it's crucial when it comes to securing your financial future and protecting your loved ones. It's important to know how to compare life insurance policies and what's going to be right for you.

The Power of Online Shopping: How It Can Save You Time and Money

Tuesday, January 16, 2024

The world of online shopping has revolutionized the way we shop, and it continues to grow in popularity year after year. In today's fast-paced society, time is a precious commodity, and convenience is key. That's why more and more people are turning to online shopping as their go-to method for purchasing goods and services. Not only does it offer unparalleled convenience, but it also has the potential to save you both time and money. In this blog post, we'll explore the benefits of online shopping and how it enhances your overall experience while saving you money.

The Power of Online Shopping: How It Can Save You Time and Money

Timeshare Phone Scams: Learn How to Recognize One

Wednesday, December 27, 2023

Timeshare phone scams have emerged as a pervasive threat, preying on individuals seeking convenient vacation accommodations through deceptive means. Understanding the intricate tactics employed by these scammers during phone calls is pivotal in safeguarding oneself against falling prey to their deceitful schemes.

Timeshare Phone Scams: Learn How To Recognize One

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