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The Momma Saves

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Once upon a time, I was swimming in credit card debt. I was lucky enough that my dad and husband paid off my debts to give me a clean slate. Since then, I learned my lesson. After all, it’s not everyday that my parents and husband will save me for my wrong attitude towards money. Don’t get me wrong. I still use credit card, especially on emergency situations. There are also instances when I don’t like bringing cold cash with me, so I use credit card in paying for my purchases. Still, there are rules I…

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in The Momma Saves, The Momma Writes

How to Achieve Financial Stability Even If You’re a Stay-at-Home Mom (Just Like Me!)

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I never dreamed of being a housewife. When I was younger, my idea of family means the husband and I will work to provide for the family. I will have a career, stable job, and money of my own. When it comes to our kids, we can find a reliable househelp and then leave the kids with our parents. Of course, that didn’t happen.One, it is difficult to find a reliable helper these days. Two, there are certain instances in life when one has to give up something for the family. When it comes to that something, it…

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in The Momma Saves

Keep Calm and Shop (and Save!) with Groupon Coupons

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Disclaimer: This is a sponsored post. Nonetheless, all opinions and insights are mine.Let me tell you something about myself: I love shopping. Who doesn’t? Since I became a mom, I found online shopping for kids both therapeutic and enjoyable. I also enjoy the idea of being able to shop from brands abroad like Bebe for my kids and have it shipped here in the Philippines. Here’s the catch: I have to make sure that I am within the budget. I always make sure I set a limit for my purchases and stick to it. After…

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in The Momma Life, The Momma Saves, The Momma Writes

Save More On Your Grocery Bill With These 8 Supermarket Tips

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I find supermarket trips therapeutic. I get to spend alone time plus I enjoy discovering new products sold in the market. Unfortunately, grocery trips could mean “gastos” and if I’m not too careful, my grocery bill might balloon up. There was a time the husband and I spent more than P10,000 in our weekly grocery – and we only had one kid that time! When we were just starting, we also go to S&R to buy food for the weekend even if we went to Landmark already the day before.Thankfully, we learned and we are now…

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in The Momma Saves

Money Tips We Learned From Our Moms that We Should Teach to Our Kids

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For me, there is no such thing as “too early” when it comes to money and saving. When I was about six to seven years old, I remember using my mom’s old jewelry box to save coins and loose changes given by my dad. I would constantly count how much money I have and get excited with the idea of “hundred” in my computation. When I was nine, my mom also opened a Junior Savings Account for me and my sisters for “future use.” Every month, we deposit money in those accounts and I get ecstatic seeing the…

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in The Momma Saves

5 Simple Tips to Get You Out of Credit Card Debt

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I made a lot of confessions on this blog and here’s another one: I used to swim in credit card debt years ago. It wasn’t that big since I paid for at least more than minimum every month before the due date. Still, whatever angle you look at, it is still DEBT. Thankfully, for my first credit card, my dad paid for the remaining balance while the second one was paid off by my husband. I didn’t have any source of income at that time so they decided to help me pay off my dues…

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in The Momma Life, The Momma Saves

Momma Tips: How to Financially Prepare for Your Child’s Education

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My mom always tells me that education is the best gift she and my dad could give to me and my siblings. They worked hard to send us in the best schools and made sure that we will get the best and quality education. After all and based on my experience, where you graduated does matter. Now that I’m a mom, I hope to give the same to my girls. Let’s face it. Education in the Philippines doesn’t come cheap. Tuition fee for preschool could go up to 100K and studying in the best universities in…

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in The Momma Saves

Money Tips I Learned from my Husband

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During our dating days, then-boyfriend-now-husband and I love to eat out and care less about how much we spend in one night. When we started living together, we’re not the most frugal couple and spend thousands in the grocery buying anything we think tastes good.Thanks to an apparition, a reality check or a sudden realization, my husband and I decided it’s time to take our finances seriously for our kids’ sake (though we only have one kid at that time).Budgeting and saving money didn’t come easy, especially after what we are used…

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in The Momma Saves, The Momma Writes

Valentine’s on a Budget: Date Tips for Money-Conscious Couples

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Hearts Day is just around the corner. So, where do you plan to spend the 14th with your man? Dinner dates in a fancy restaurant may be the perfect excuse for you to go out. The question now is – does it always have to be like that every year? What if you are still not able to recover from last Christmas’ spending, do you still have to push through that expensive date?Here’s the truth: Date on Valentine’s Day doesn’t have to be expensive. In fact, there are tons of things you can do without spending a…

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in The Momma Life, The Momma Saves

Momma Alert: Vaccines at a Cheaper Price?

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As a parent, we always want to make sure that our kids get only the best. That is why as early as they were born, we want to give them the protection they need through vaccines. Unfortunately, not everything comes for free. And yes, vaccines can be expensive too. Of course, you can’t get away with it since you don’t want any regrets in the end, right? My kids had their PCV shots at P5,000.00 per shot! That’s three shots for both my girls, which means I spent P30,000 for one vaccine alone – and…

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in The Momma Saves

Money Tips: How to Still Save while Travelling

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I have to admit – travelling and saving don’t belong in the same arena. You’re out on a vacation. Why worry about money when you can just figure it out as soon as you get home, right?Well, that’s not how it’s supposed to be.When I was still younger, I never really paid attention on the expenses or even how much the hotel room costs per night. I’m with my parents so all I care about is how to enjoy my stay. Now that I have my own family and visiting new places has been…

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in The Momma Saves

Christmas on Budget: How to Save Cash during the Holidays

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It’s Christmas in less than two months. You’ve been hearing a lot of Christmas songs being played on the malls, radio, or wherever a speaker is available. And for sure, you’re thinking of starting to put up the Christmas tree and bring out Santa and Rudolph just to bring the Christmas spirit in your home. While you and especially the kids are excited for the Holidays, well, your wallet and bank account are not.Apparently, Christmas season is a time where you can make an excuse and say, “hey, I need that shirt for Christmas. It will…

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in The Momma Saves

“Look Ma, No Debt!” – Top 9 Tips on How to Live a Debt-Free Life

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After college, I worked in the Corporate Banking Division of one of the biggest banks in the country. So yeah, I know a lot about loans, interests, mortgage, and even foreclosure of properties. I know how banks work and how they make money using your money. I have seen how some of our clients fight for their properties and I even have clients begging for a loan extension – just because they can’t pay this month’s interest alone! A lot of them are also asking for reversal of penalty charges since we’re talking about 36% per day, depending…

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in The Momma Saves, The Momma Writes

Affiliate Marketing: A Best Way to Earn Money Online?

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Disclaimer: This post contains affiliate links by which I get a percentage for every successful transaction. By clicking on the links and signing up, you are actually helping The Mommy Chronicles earn a reasonable commission out of it and nothing else.Β I have been dealing with the online world – including blogging and excluding various research / surfing hours during high school and college – for almost two years already. When I first started out my so-called online career, I focused on oDesk, online writing stints and Paid to Post forums such as myLot and MoraChat. oDesk is good and has been…

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in The Momma Saves

Save or Splurge: Is it okay to buy designer clothes for your kids?

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As a parent, it is normal that we want to give the best to our children. As much as possible, we want to assure our kids’ future and provide them with security and stability as they grow up. But does giving the best for your child means buying the trendiest, most fashionable yet most expensive clothes too?Apparently, the kiddie clothing business is booming and gone are the days when the fashion industry targets only the adults. You’ve seen Suri Cruise and other Hollywood babies that wear Burberry, Versace and Dolce and Gabbana for their “everyday outfit.” Aside from…

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