Welcome To Genius Mom

Living as modern moms in today's fast changing world require ever expanding horizon and perspective.

Today's Moms are faced with many challenges from managing household issues, financial decisions, parenting, to preparing proper nutrition for the whole family.

This blog is dedicated to every hard working, creative, problem solver, smart, and genius Mom in the world.

Living to make their families happier with a long term vision of building a beautiful legacy to the next generation
To become the Best Mom in the world doesn't always require you to spend lots of money.

All you need to do is simply investing more love and care to your loved ones.

In addition to that all you need to become the smart parent are proper guidance and resources to help you determine which decisions to take.

We at Genius Mom are glad to help you by providing high quality information to aid you in the journey of becoming the Best Mom for your family.

So please enjoy your time and visit...

Lets Manage Your Financial Resources

If you want to save yourself from difficult times, emergencies or bankruptcy, saving is the option. Saving not only saves from the above mentioned problems but also let you to find possible ways for expanding your business and to earn more. 

You cannot confine yourself with in the boundaries of your current employment. You need to expand these boundaries rather you can initiate your own business from your savings. You can also use it in giving loans or can deposit it in saving account so to earn interest over it.

The key to perform all above mentioned task lies in saving, less spending and preparing you for the future un-forecasted circumstances.
The aim of this article is to guide the people who want to effectively manage their financial resources and want to tame their spending habits. Some tips are given below:

•    Wants and needs:
There is a thin line difference between needs and wants. A need is one that if it is not fulfilled people will feel deprived and considered poor. The need is very important and must be fulfilled.
The primary examples of needs are shelter, food, transportation and clothing without which we cannot manage our life. Now-a-days cars, mobile phones and other gadgets have become the part of necessity too. But you should buy that device or car which you can afford easily. Of course with pay of $10,000 you cannot buy car that worth $40,000 to $50,000.

The same case is with your cell phone. You can have it to fulfill your need .but it is not necessary to buy the latest mobile set that releases every month or so.

•    Less Is best:

We are not born in the royal family. So we cannot spend like a king or a queen. We have to spend in our limits. But if any month we able to save the extra money we can spend in on eating out. We sometime can afford little affluence food, cloths to pamper the body, accessories and other services. But this can be for the special occasion, not for daily routine life.

•    Spend Less; Save More:
Some people have bad habits and they are indulged in spending more and more. They even spend more then what they actually earn. You should allocate some percentage amount in your saving accounts every month and rest you can spend on your household expenses.

Some times there are some unexpected events and parties. You must allocate certain amount for that situation too.