Build Your Credit Score

Building your credit score can help save money on loans, lower deposits, and help you get a job or a place to live. However, you need to build your credit in a More »

Sleep Makes You More Productive

I went to bed after 11:00 pm again last night and my head aches and I’m struggling to keep my eyes open. I want to make cherry jam, write articles, and spend More »

School Loans: Invest in Education

My husband and I partially invested in our education with student loans. We only took out loans for necessary items. Because of this, we have doubled our earning potential. Here are some More »

Earning Extra Money Doing Surveys With Cash Crate

As a stay at home mom you have probably often wondered what you can do to bring in a little extra cash for the family. The reality is that it can be More »

Saving Money With Ibotta

With the development of the internet and smart phones, a lot of shopping can be dealt with online, bringing people convenience. Moreover, traditional coupons are also released online to help people save More »


Teaching Children about Money

teaching kids about money

As moms, we want to instill lifelong lessons about managing money into our children’s brains. Children gain self-confidence as they learn to manage their own money.

Set an Example

Children learn the most through osmosis. They observe and mimic adults from an early age. So how you spend or save money matters from the beginning. I want my children to follow my positive example, but not my negative example. If you need to improve, like me, you can begin now. We can show restraint and buy only what we can afford and set aside savings. Or work on getting out of debt.

Jamberry Nails

jamberry nails

Jamberry Nails is such an amazing opportunity offering remarkable training and support for whatever you want your journey to be with this company. In this job, I am able to earn an income while having amazing nails! It is so refreshing to be a part of a direct sales company that doesn’t have a consultant on every street corner. I am a military spouse with a full time job and two little boys. I never wanted to EVER have anything to do with direct sales, but I loved the product so much I decided to join for the discount. I had no idea what I was doing, but I wanted to see what it was about…and MAN, am I glad I did! Once I received my kit and started wearing the nails all of the time, the interest was so high that booking parties (both online and in home) was easy. The business took off immediately and snowballed more than I could have ever imagined. I have been promoted four times in five months just wearing these amazing nails around town and posting pictures online as well as sharing this awesome opportunity with those that show an interest like I did. People on my team promote very easy; helping them succeed gives me a great sense of pride in their ability pay an extra couple bills or save for a fun family vacation!

Don’t Go over that Rock!

thinking cap

So, I do stupid things all the time and sometimes they can cost a lot of money. I feel so chagrined and I want to hide out for a few days. My husband is telling me that life happens. It does. I suppose I can only learn from my mistakes.

My kids and I were coming home from Grandma and Grandpa’s house early, so I decided we needed to do some more outdoor activities. My son had asked about climbing a hill several times when we’ve passed it going to and from my parents’ home.

Build Your Credit Score

raise credit score

Building your credit score can help save money on loans, lower deposits, and help you get a job or a place to live. However, you need to build your credit in a certain way without taking too many credit cards or loans. So how can you build a better credit score?

$500 Paypal Giveaway

free money

For our next giveaway, we teamed up with several other businesses so we can offer one lucky winner $500 sent to them via paypal!

Pink Papaya

why join pink papaya

Hello, I am Vanessa and I have been a consultant with Pink Papaya since February 20th, 2014. I am a Full Time mother of a 6 year old boy. I am also a Part Time Police Officer here in Illinois. In 2002 I became the first female officer with my department and when I had my son, I decided that he would be my full time focus. I resigned my full time position and was rehired as a part time Police officer. In 2013 my husband retired from his job and we were limbo. I started Direct Sales with a different company in August 2013 and found Pink Papaya on a Facebook Promoting Page. I was intrigued by the name and had to find out more. While researching and testing products I fell in love and signed up the same week I got my samples.

Renting Property

house for rent

Renting property can be an extra income, or debt, or just cover the mortgage on the property you can’t sell.

My husband and I rent a single home residence, so we’ve learned a few things about renting property. First, follow the golden rule. Tenants are real people and need to be treated as such. Now to answer some basic questions.

Amazon Giftcard Giveaway

amazon giftcard

Enter to win a $5 giftcard! To enter you must subscribe to Mommy’s Money Saving Tips email newsletter and also like us on Facebook. For a bonus entry, you can leave a comment on one of our Facebook posts or our blog posts. We plan on having a new giveaway every week and as we grow the prizes will grow also! You can help us grow by sharing the giveaway on social media.

By subscribing to our email newsletter you’ll get email updates from us with new money saving tips a couple times per week. We won’t sell your email address nor will we spam you, we hate spam as much as you do.

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Sleep Makes You More Productive


I went to bed after 11:00 pm again last night and my head aches and I’m struggling to keep my eyes open. I want to make cherry jam, write articles, and spend more quality time with my kids, but my body won’t cooperate. So was it worth it to read a novel last night? Of course it was!

My productivity decreased today and it has cost me money. I could’ve made cherry jam, which is more expensive than grape jelly. I could have written more and earned a few extra dollars. I wouldn’t have spent money on painkillers. I could have read my novel during daylight without turning on lights. The list could go on.

Give it the ol’ 24 Hours

tv purchase

You walk into the store, and there it is! That new 55′ wide screen tv you’ve been wanting to upgrade to! And it’s on sale! You can so totally afford this. I mean, you may have to cut back on some things, but you HAVE to have this TV! Plus, if I act now I only have to pay $49 per month for the next 48 months!

In a single moment we can justify buying things whether it be a large expensive TV or a cute pair of shoes that we really don’t need. Whenever you find yourself at this crossroad you should always give it the ol’ 24 hours of thinking on it before making big purchases.