About me

Welcome to More Money Tips. I’m so delighted you’re here. It’s wonderful you want to save, to have more money, to have a much much better life! Not just for yourself but for your loved ones too.

Not many people realize that in saving money, we’re saving our environment. Lots of money saving tips actually reduce wastage and strain on our ‘overtaxed’ environment!

Hi, I’m Jo, a very middle-class wife, mother and ex-homeschooler. As an avid reader of Georgette Heyer, James Herriot and Gerald Durrell novels, I love humor, animals and nature.

I’m also someone who loves looking into the many areas of life and coming up with how to have extra money in the pocket.

I enjoy sharing ideas on how my family has made good savings and extra income. Are you tired of having to foot ever-rising bills that give you a sinking feeling? Me too.

So I’d like to share ideas that work, so that you too can make great savings. You’ll be inspired to have more great ideas too 🙂

Saving money hasn’t always been my strong point. You see, it was never talked about in my family when I was growing up.

In my younger days, I had only a few hundred dollars. When I was working in casual jobs (between 8 am to almost 10 pm daily) during my college vacation, I spent almost all that I earned.

As the years passed, saving was never a conscious activity. If I happened to save some money, then that was well and good. If not, it was a ‘never mind’ attitude.

But finally in May 2017, I made a decision to be more aware of how to manage my money better. Ironically, it was the house insurance bill that ‘woke’ me up.

I could hardly believe myself. I saved $554 in under an hour! Read the post here.

From then on, there’s been good improvement, clearly showing that it’s never too late to start.

How is this blog different?

– You get to know my real, personal money experiences and the experiences of those I know and researched on.

– You save time as you learn from my successes and avoid my mistakes.

– You can take my easy action steps to improve your finances.

– You become part of a community of like-minded folks who share money ideas and learn from one another.

I strongly believe that being honest in what I write about is extremely important.

Many years ago, I signed up as a trainee with a company that sold encyclopedias. Part of the condition was that I had to undergo their 3-day compulsory training. If I didn’t, I would have to pay this company $100 per day. My trainer was a lovely lady, but I saw how she would not take ‘No’ for an answer. She used every possible way to make a sale. And she always succeeded (Each set of encyclopedia cost $1800, and there was nothing like the Federal Trade Commission Cooling-Off rule in place).

I could not bring myself to finish the third day of training, as I don’t believe in hard sell. So I paid this company the penalty fee of $100, which was and still is a lot of money to me.

But why am I telling you all this?

So that when you read my posts, you’ll know that I write with sincerity and honesty.

If there are things that’ll benefit you and your finances, I’ll let you know even if there are no affiliate links. I love to share ideas and tips to help you make better decisions so that you can improve your daily lives.

13 years ago, I reduced my part-time work hours to become a homeschooler. Living mainly on my husband’s part-time income wasn’t exciting.

We did different things to cut costs and meet expenses. To be honest, I’m not much of a homemaker. Buying tons of kitchen appliances impulsively when I’m not much of a cook didn’t help!

But I have learnt much along the way, and am still learning.

It hasn’t always been a success. But by sharing what works and what doesn’t, all of us will improve our finances.

After all, having more money, at whatever stage of life you are at, certainly makes life better.

I’ll share practical tips for you to save and make more money. Keep returning for more money tips. Even better, you can subscribe to be updated on the latest ideas.

It would be great to learn about the savings and money you have made. Do let me and our readers know your money-savvy tips!

These are just some of my past guilty impulsive buys! These days, I stick to buying what’s needed 🙂