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Two Cultures, One Life

money and budgeting tips, mom hacks

Money Tips

How to Make Budgeting Fun! 12 Awesome Tips!

by Maria

A pink piggy bank with a smile is wearing blue sunglasses.

Do you hate budgeting? Are you wondering how to make budgeting fun? Then you need to look at these very simple tips and start having fun with your money today! I know what you are thinking… there is no way that budgeting is fun. But, wait! Think of how little kids make all kinds of […]

Filed Under: Budgeting, Money & Budgeting, Money Tips, Money-Smart Kids

90+ Important Sinking Funds Categories for Your Budget

by Maria

A small glass jar with a $100 bill in it. Coins of various sizes are on the table around the jar.

Are you ready to up your game with your budget? Then you need to set up sinking funds. Here are some important sinking funds categories to get you started! Having a stable and healthy financial situation includes having and maintaining a regular budget. Budgeting not only includes your normal monthly expenses, but should also anticipate […]

Filed Under: Budgeting, Money & Budgeting, Money Tips

The 70:20:10 Budget: What is it?

by Maria

Three small white paper houses in a row. The first has a shopping cart symbol, the second has a dollar sign, and the third has a percent sign. A hand holding a pen is reaching out toward the 3rd house.

Are you looking for a simple method to get started on the road to budgeting? Try the 70:20:10 budget! Everyone needs some kind of budgeting method in order to keep track of their finances. If you don’t have one, how do you know where your money is going and know what your money is doing? […]

Filed Under: Budgeting, Money & Budgeting, Money Tips

The 10 10 80 Rule Budget: How does it work?

by Maria

An open notebook with a pen on top is laying next to a fan of $20 and $50 bills. A calculator with the entry 20365 is on top of the bills.

Do you want to set a budget but don’t know where to start? Then try the 10 10 80 rule budget! Do you want to get your finances in order and plan a successful future for yourself and your family? One important part of this is budgeting. While certain budgets are better suited to fast-track […]

Filed Under: Budgeting, Money & Budgeting, Money Tips

The 30-30-30-10 Budget: How & Why it Works

by Maria

Four stacks of coins increasing in size are next to a pink piggy bank.

If you need a very simple and easy to follow budgeting system, try the 30-30-30-10 budget. Here’s how it works and why it’s great! Everyone should have some kind of budget. Without a budget and a solid plan for where and how your spend your money, you run the risk of depleting your savings and […]

Filed Under: Budgeting, Money & Budgeting, Money Tips

The 60 30 10 Rule Budget for Financial Success!

by Maria

Conceptual hand writing showing Budget Planning. Concept meaning The written description about current and future expenses Mouse calculator sheets marker clipboard clock color background

Reach your financial goals quickly by using the 60 30 10 rule budget! Find out what that is and how it works. Have you heard of the 60 30 10 rule budget? If you want to get a jump-start on your savings or on paying off debt, you might want to try this budgeting method. […]

Filed Under: Budgeting, Money & Budgeting, Money Tips

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Hi! I’m Maria

I know how hard it is to be a single mom - or a working mom, or even just a mom in general!

I read for all the tips I can get, and if I can offer any of you some encouragement along your journey, well...that's my goal!

read more about me »
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twoculturesonelife

Hey! I’m a mom to 2 sweet, biracial little girls. Managing a simple, multi-cultural, faith-filled life! ❤️

Maria
Hot cocoa bar to start off Advent! 🍫 Hot cocoa bar to start off Advent! 🍫
“Mom, don’t clean that up! It’s our lab!” “Mom, don’t clean that up! It’s our lab!” 🔬👩‍🔬🧪
Learning about India by playing Snakes and Ladders Learning about India by playing Snakes and Ladders. 🇮🇳🐘🐅
Zoom cooking class. Making fruit salad. 👩‍🍳 🍉 🥄
“Look mom! I have seaweed sandals! This is what “Look mom! I have seaweed sandals!  This is what mermaids wear!” 🥰🧜🏽‍♀️🏖
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