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Two Cultures, One Life

money and budgeting tips, mom hacks

Money-Smart Kids

Envelope Challenge: Start the 100 Envelope Challenge and Save $5000 Fast!

by Maria

An open envelope with a fan of $100 bills sticking out.

Do you want a quick, simple way to save $5000 fast? Then try the 100 Envelope Challenge! Are you a spender and you don’t know how to save? Do you struggle with budgeting and want to put away some extra money? Would you simply like a fun way to add an extra couple thousand dollars […]

Filed Under: Frugal living tips, Money, Money-Smart Kids

10000 savings challenge in 52 weeks!

by Maria

A large glass jar with the label "Savings" is filled to the brim with coins.

Do you want to save more money now? Join the 10000 savings challenge and start building wealth today! Are you ready to save some money? How about $10,000? Saving money is hard, especially if you haven’t saved money before and don’t know where to start. Many people have joined the 52-week money challenge, where you […]

Filed Under: Frugal living tips, Money, Money-Smart Kids

Cash Envelope Category Ideas

by Maria

A yellow envelope with several $100 bills sticking out of it.

Are you ready to try cash envelopes and get your budget in order? Here are some cash envelope category ideas for you to use! I understand that it can be hard to get a handle on your finances and curb your spending, especially if you struggle in certain areas of spending and don’t know what […]

Filed Under: Frugal living tips, Household, Money, Money-Smart Kids

Budgeting for Kids: Help Them Manage Money Wisely

by Maria

A young girl is putting a coin in a piggy bank.

Do you want your kids to be smart with money? Read on for simple tips to help kids learn how to budget and manage money. Budget. Don’t let this word scare you or your kids. The truth is budgeting is simply having a plan for your money. If you have a plan for your money, […]

Filed Under: Independent Kids, Money, Money-Smart Kids, Parenting, Teens

Money Management Tips for Students

by Maria

money saving tips for students

Do you know someone getting ready for college? Check out these best money management tips for students! Ah, college life. Although it doesn’t necessarily live up to the hype, college can be a great time of fun and to learn how to balance all the things in your life (like sleeping, eating, studying, and having […]

Filed Under: Money, Money-Smart Kids, Parenting, Teens

Financial Literacy Games for Kids and Teens

by Maria

Financial Literacy Games for Kids

Games are a great way to get kids and teens engaged in learning about money and finances! Check out these helpful financial literacy games for kids. Most schools do not have a comprehensive financial program for students before they graduate. Even if they offer one or two financial classes, is that enough? After graduation, teens […]

Filed Under: Money, Money-Smart Kids, Parenting, Teens

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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
“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!” 🥰🧜🏽‍♀️🏖
Social-distance beach fun. 🌥🏝 Social-distance beach fun. 🌥🏝
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