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Two Cultures, One Life

money and budgeting tips, mom hacks

Parenting Tips

The Ultimate Guide to Scholarships and Where to Find Them

by Maria

Ultimate Guide to College Scholarships

Help your kids graduate college with little to no debt by encouraging them to apply for scholarships. Here’s where to find free money and strategies for winning college scholarships! My goal is to raise my kids to manage money well and stay out of (unnecessary) debt. Many people would argue that college is an important […]

Filed Under: Frugal living tips, Independent Kids, Money & Budgeting, Money Tips, Money-Smart Kids, Parenting Tips, Teens

Money Books for Kids: Preschool to Teens

by Maria

How to explain investing to a child

Help your children understand money and finances by checking out these great money books for kids! Do you want to make sure your kids make smart money choices when they become adults? Do you want to start them out on a secure financial path? Then you need to make sure that you actively teach them […]

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

Investing for Kids: How to Teach Them the Basics

by Maria

How to explain investing to a child

Teaching kids about investing can be simple. Show them the basics so they can make wise money choices! Start saving money young, invest it well, and be patient. This is the basic investing message that you need to teach your kids. Many adults don’t know much about investing and as a result, feel unprepared to […]

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

Paid vs. Unpaid Chores for Kids

by Maria

should you pay your kids for chores

Paid vs. unpaid chores? What is best for your kids? Read on and find out! Should you pay your kids for doing chores? Paying for chores seems like a win-win situation – you get your kids to do chores and they get an “allowance” in return. While it’s important that kids learn how to do […]

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

Best Gifts for Preschool Girls 2021

by Maria

Check out these great gifts for preschool girls! As a mom of 2 little girls, my days are filled with princesses, dresses, and all things girly! If you are looking for a fun preschool girl gift, here are some great ideas for under $25! (This post contains some affiliate links for your convenience which means […]

Filed Under: Gift Guides, Parenting Tips

Allowance or Commissions: How To Teach Your Kids About Money

by Maria

teach your kids about money with allowance or commissions?

Should you give your kids an allowance or commissions? How to teach your kids about money by letting them have their own. Growing up, I never had an allowance and I wasn’t paid for chores around the house (commissions), but my parents would buy everything we needed (and a lot of our wants too). It […]

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