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Two Cultures, One Life

money and budgeting tips, mom hacks

Money & Budgeting

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

Bucket List for Families – 100+ Awesome, Fun & Crazy Ideas!

by Maria

A sheet of paper saying "Bucket list" is next to a wallet with money sticking out, a camera, a seashell, a swimsuit and a straw hat.

Do you want to have fun and make long-lasting memories with your family? Start by creating a bucket list for families! What is a Bucket List? The idea of a bucket list came from the term “kick the bucket,” a slang phrase meaning “die.” So, a bucket list would be a list of things you […]

Filed Under: Family Life, Frugal living tips, Mom Life

No Spend Weekend: 75+ Fun Ideas for The Whole Family!

by Maria

A man and a young boy are sitting in a camping chair next to a yellow tent by the side of a lake.

Do you want to try a no spend weekend? Here are 75+ fabulously free no spend ideas for you and your family! My 2 kids are excellent at wanting to spend nearly the entire weekend at home just playing with their toys and each other. I’m kind of a homebody myself, but there are also […]

Filed Under: Family Life, Frugal living tips, Money & Budgeting, Money Tips

Frugal Christmas Budget: How to Plan Well, Save Money, and Cultivate Joy!

by Maria

A calculator with a blue post-it note on it that says "Budget" is next to a blue piggy bank wearing a Santa hat and a red box with a white bow tied around it.

Having a frugal Christmas budget means you are mindful of what and how you spend. Here are some tips to make the most of Christmas (even on a tight budget!) Christmas happens every year, but it should not be a reason to go into debt (or add on to it). If you are worried about […]

Filed Under: Budgeting, Frugal living tips, Money & Budgeting, Money Tips

How to Get Ahead Financially When You are Behind – 13 Important Steps

by Maria

A sack of envelopes with past due and final notice printed on them.

Are you struggling with your bills and payments, but really want to start saving money instead? Here’s how to get ahead financially when you are behind! Are you struggling and currently behind on bills? Do you wonder how you will be able to catch up? Would you like to get ahead? I know it can […]

Filed Under: Frugal living tips, Money & Budgeting, Money Tips

How to Become a Financially Independent Woman – 8 Easy Steps

by Maria

A smiling young woman is holding one fist in the air and in the other hand she is holding a fan of $100 bills.

Here are 8 easy steps on how to become a financially independent woman and why you absolutely need to do so! Whether you are a stay-at-home mom, a working mom, a single mom, or going to become a mom soon, you need to make sure that you are able to be financially independent. Financial independence […]

Filed Under: Money & Budgeting, Money Tips, Single mom life

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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!

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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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