Being a mom is no easy task, and we all know that. Imagine spending your whole time taking care of the whole family, worrying what to cook three times a day while ensuring that everyone gets enough cuddles, kisses, and attention.
Moms are the most loving, selfless, and understanding people in this world. But you should know that they're also the best mathematician to ever walk on the surface of Earth.
Apart from taking care of the whole family, most moms are also in charge of handling finances and budgeting the family's resources. That sounds too much math to handle-- but if you're a money-smart mom, you'd know it's possible.
Here are five things money-smart moms have in common:
1. You save first before you spend.
The moment you receive your salary, you immediately set aside a potion of it for your monthly savings. You have a separate bank account where you deposit your savings, and avoid temptations to spend it.
2. You have a household budget.
You keep a notebook that contains the breakdown of all expected expenses for the whole month or week. You diligently assign a certain amount for every item, prioritizing food and education before anything else.
3. You know the distinction between wants and needs.
Wants and needs are like Earth and Mars-- almost similar, but completely different. And you're a money-smart mom if the differences are clear to you, and you know which ones to prioritize.
4. You keep an emergency fund.
A portion of your monthly budget is dedicated to emergency or contingency fund. You know that life is full of surprises, and you can never be sure what could happen in the next morning. So you make sure there's enough of everything in case winter comes early, unexpectedly.
5. You know how to reward yourself and the family without feeling guilty.
As a money-smart mom, you know your worth in the family so you don't allow yourself to feel deprived. You set aside money for your hair, skin, and other personal needs. And doing this doesn't make you feel guilty, since you know that at the end of the day, everybody deserves to relax and be pampered.
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