Penny Calling Penny

Penny Calling Penny is a personal finance blog to help moms with all of financial needs. Visit now to read the articles - https://www.pennycallingpenny.com/

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Losing A Parent: The Hard Truth About Financial Preparedness

Losing a parent is one of the hardest things we face in life, and the financial aftermath can be overwhelming. In this video, we’re diving into the tough but necessary conversation about financial preparedness when a parent passes away.

As moms, we juggle so much—but being financially prepared for life’s unexpected moments can make all the difference. Whether you’re navigating this painful journey now or want to plan ahead, this video will help you understand what to expect and how to move forward.

💡 Did this video help you? Don’t forget to Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

Join the Penny Calling Penny Circle. Subscribe Now.

Also, Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

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High Income Skills You Need To Support Your Family: Tips For Moms

Are you a busy mom looking to boost your income while balancing family life? Welcome to Penny Calling Penny! In this video, we explore high-income skills that you can learn quickly and effectively, allowing you to support your family without compromising your time.

We discuss 8 in-demand skills that are perfect for moms who want to work from home or take on a flexible part-time gig. From digital marketing to freelance writing and online teaching, there are countless opportunities waiting for you!

Whether you're already on a journey to learn one of these skills or just curious to explore, share your thoughts in the comments!

💡 Did this video help you? Don’t forget to Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

Join the Penny Calling Penny Circle. Subscribe Now.

Also, Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

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The Real Cost Of Raising A Child: Every Parent’s Nightmare!

In today’s video, we're tackling a terrifying and crucial topic: the cost of raising a child in today’s world and why affording childcare feels like every parent’s nightmare!

Did you know childcare costs are outpacing housing prices in some areas? 😱 In this informative video, we’ll dive into the alarming stats and discuss why the cost of childcare has skyrocketed. I’ll also share my top tips for managing these rising expenses and making childcare more affordable for your family.

What You'll Learn:-

Shocking statistics about childcare costs in the USA

Insights into why these costs have surged

Practical tips for navigating the financial challenges of affording childcare

Daycare costs vary significantly across the US, with an average national cost hovering around $10,000 per year for full-time care for an infant. This can be a staggering sum for single moms, especially when you factor in other living expenses. But fear not, mama warriors! Learn how Daycare Assistance can be helpful - https://www.pennycallingpenny.com/daycare-assistance-for-single-moms/

💡 Did this video help you? Don’t forget to Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

Join the Penny Calling Penny Circle. Subscribe Now.

Also, Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

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Essential Retirement Planning Strategies: What Works and What Doesn’t!

Are you considering working part-time during retirement to stretch your savings? You're not alone! Many Americans have the same idea, but what if I told you that reality doesn’t always align with expectations?

What You'll Learn:

The surprising statistics on retiree employment and early retirement.

Why many retirees leave the workforce sooner than expected.

Essential steps to prepare for a secure retirement that aligns with your goals.

💡 Did this video help you? Don’t forget to Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

Join the Penny Calling Penny Circle. Subscribe Now.

Also, Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

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10 Things You Must Buy At Costco That Are 100% Worth It!

Looking to save money at Costco while getting the best deals for your family? In this video, we’re sharing 10 must-buy items at Costco that are 100% worth it! Whether you're a busy mom stocking up on household essentials, looking for bulk grocery savings, or searching for Costco deals that actually save you money, we’ve got you covered!

One of my favorites? #5—it’s a total game-changer for busy moms! 🚗💨

💡 Did this video help you? Don’t forget to Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

Join the Penny Calling Penny Circle. Subscribe Now.

Also, Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

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How To File A Life Insurance Claim The Right Way?

Losing a loved one is never easy, and figuring out how to file a life insurance claim can feel overwhelming. But don’t worry—I’m here to walk you through the process step by step, so you can focus on what truly matters.

In this episode of Penny Calling Penny, we break down everything you need to know about how to file a life insurance claim, from gathering essential documents to choosing the best payout option. Life insurance isn’t just about money—it’s about securing your family’s future during one of the hardest times in life.

What You’ll Learn in This Video:

✅ The first steps to take when filing a claim.

✅ The documents you need (including a certified death certificate).

✅ How to submit your claim correctly to avoid delays.

✅ Understanding different payout options and what’s best for your family.

💡 Did this video help you? Don’t forget to Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

Join the Penny Calling Penny Circle. Subscribe Now.

Also, Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

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Drowning In Bills? Here’s How To Cut Down On Expenses FAST!

In today’s episode, we’re diving into how to cut down on expenses with simple and practical tips that can help you save money every month. Whether you're trying to budget better, reduce unnecessary spending, or stop wasting money, these small changes can add up in a big way!

💡 What You’ll Learn in This Video:

✔️ How to cut back on spending without sacrificing what you love.

✔️ Easy ways to save money fast.

✔️ The top three areas where you’re likely overspending.

✔️ How small money tweaks can lead to big savings.

Join the Penny Calling Penny Circle. Subscribe Now.

Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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How To Save Money Without Cutting Out The Things You Love?

Welcome back to Penny Calling Penny! In this episode, we’re diving into a topic every mom can relate to—how to save money without cutting out the things you love.

Saving money doesn’t have to mean sacrificing the small joys in life. Whether it’s your favorite coffee run, family outings, or indulging in a new outfit, we’ll share smart budgeting for moms that will help you balance financial goals while enjoying life’s little pleasures.

In this video, you’ll learn:

✔️ How to approach saving money with the right mindset.

✔️ Practical tips to identify and prioritize what you truly love.

✔️ Creative ways to save money on everyday indulgences without giving them up completely.

✔️ How budgeting for beginners can make your financial journey stress-free and fun!

If you’re ready to learn how to save money without cutting out the things you love and take control of your budget, this episode is perfect for you. Tune in to discover practical, stress-free ways to save money!

Join the Penny Calling Penny Circle. Subscribe Now.

Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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What Is A Credit Score and Why Is It Important?

In this episode of Penny Calling Penny, we’re diving into an often-overlooked but critical topic—your credit score. If you’ve ever wondered, “What is my credit score, and why does it matter?” you’re in the right place. Understanding your credit score is key to making smart financial decisions and achieving your goals.

Here’s what we’ll cover:

✔️ Credit Score Explained: What it is, why it’s important, and how it’s calculated.

✔️ Simple steps to improve or maintain a good credit score while sticking to budgeting for beginner’s principles.

✔️ How a strong credit score can save you money and open doors to opportunities like buying a house or getting a car loan.

Whether you’re just starting on your financial journey or looking to strengthen your financial health, this episode will give you the knowledge and tips you need to take control of your credit.

Join the Penny Calling Penny Circle. Subscribe Now.

Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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How To Setting Up An Emergency Fund In 2025?

In this episode of Penny Calling Penny, we’re diving into a must-have for every family—building an emergency fund. Life can be unpredictable, but with the right planning, you can navigate tough times with less stress and greater confidence.

Here’s what we’ll cover:

✔️ Why creating an emergency fund is essential for moms and families.

✔️ Step-by-step advice for budgeting for beginners to help you start saving today.

✔️ Practical tips on how to stay motivated and reach your savings goals.

Whether you’re starting from scratch or need a refresher, this episode will guide you through building an emergency fund to secure your family’s financial future. Tune in to learn simple, actionable strategies for growing your savings!

Join the Penny Calling Penny Circle. Subscribe Now.

Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Join our Facebook community for Moms.

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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Best Side Hustles For Busy Moms In 2025

Are you a busy mom looking for ways to make extra income from home? In this episode of Penny Calling Penny, we’re diving into side hustles for busy moms and how you can start one, even with a packed schedule. Whether you’re a stay-at-home mom or working full-time, having a side hustle can be a game-changer for your budget and a step toward financial freedom. 

Here’s what we’ll cover:-

✔️ The best side hustles for busy moms to help you earn extra income.

✔️ How to start a side hustle without feeling overwhelmed.

✔️ Practical tips for balancing your side hustle with family life and sticking to your budgeting for beginner’s goals. 

If you’ve been thinking about starting a side hustle, this episode will help you take the first step toward making extra money while managing your busy life. Tune in to get inspired and start building your financial independence today! 

Join the Penny Calling Penny Circle. Subscribe Now. 

Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/ 

Join our Facebook community for Moms.

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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How To Save Money While Buying Groceries In 2025?

Welcome back to Penny Calling Penny! In today’s episode, we’re tackling one of the biggest challenges for moms: how to save money while buying groceries. Grocery shopping is a major expense, but with the right tips, you can stick to your budget while keeping your family’s favorite foods on the table.

Here’s what we’ll cover:-

✔️ Budgeting for beginners: How to make grocery shopping a part of your overall financial plan.

✔️ Pro meal planning strategies to cut costs without cutting flavor.

✔️ Smart shopping tips to lower your bill while still buying what your family loves.

If you’re ready to learn how to save money while buying groceries and take control of your grocery budget, this episode is perfect for you. Tune in to discover practical, stress-free ways to shop smarter and save more!

Join the Penny Calling Penny Circle. Subscribe Now.

Get a FREE budgeting e-book for Busy Moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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How To Create A Budget and Stick To It In 2025?

In this episode of Penny Calling Penny, we’re breaking down the basics of budgeting for beginners—a must-have skill for every mom! Whether you’re a single mom or a busy working mom, understanding how to create a budget and stick to it can make a huge difference in achieving your financial goals and managing your family’s finances. 

Here’s what we cover in this episode:-

✔️ Budgeting for beginners: Simple steps to create a realistic and achievable budget.

✔️ How to effectively manage your income and expenses to make your money work for you.

✔️ Proven tips to help you stay on track and stick to your budget every month. 

Take the first step toward mastering your finances with practical, easy-to-follow tips that will give you control over your family’s financial future. Whether you're saving for a rainy day or looking to reach long-term goals, this guide is for YOU! 

📺 Don’t miss out—tune in now to start your journey to financial freedom! 

Join the Penny Calling Penny Circle. Subscribe Now. 

Get a FREE budgeting e-book for busy moms: https://www.pennycallingpenny.com/budgeting-101-ebook/

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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How My Indian Roots Shape My Mission to Empower Moms Financially | Personal Finance for Moms

Hey moms! Welcome to Penny Calling Penny, the podcast and blog dedicated to making personal finance simple, relatable, and empowering—especially for moms like you!

My name is Bhawna, and in this video, I’m sharing the heartfelt story behind why I started this journey. From my experiences working with U.S. clients and my personal connection to the U.S., to why I focus on empowering moms, this is the 'why' behind Penny Calling Penny.

💡 What You’ll Learn:

Why Penny Calling Penny focuses on U.S. moms, even though I’m based in India.

The cultural differences in money management between India and the U.S.

Why empowering moms with financial independence is my mission.

🌟 Key Highlights:

The unique financial habits of Indian households and how they differ from U.S. practices.

Why moms are the backbone of their families and how financial strength can empower them.

How U.S. moms can balance financial literacy with their busy lives.

Watch this video to learn how Penny Calling Penny can inspire and guide you to take control of your finances. See you there!

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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My Journey from Sales to Empowering Moms with Financial Confidence

Hi, I’m Bhawna Balchandani—call me B 😊. In this episode, I’m stepping out of my comfort zone to share my story: from an introverted dreamer to someone passionate about learning and sharing money tips.

I’ll take you through my journey in sales and affiliate marketing and explain how a life-changing decision led to the creation of Penny Calling Penny, a platform dedicated to helping moms feel confident about managing their finances.

This video podcast is all about real stories, relatable experiences, and practical advice on money management. I’m not an expert, but I’m learning every day and sharing what works.

💡 What You’ll Learn in This Episode:

Who I Am: My Background & Personality

My Career Journey: From Sales to Starting Penny Calling Penny

Why I Created This Video Podcast: My Vision for Moms

What You Can Expect: Weekly money tips, stories, and interviews

🔗 Check out our website: https://www.pennycallingpenny.com/

Also, Subscribe our YouTube Channel for weekly episodes on budgeting, saving, and learning together as we grow our financial confidence.

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How We Paid Off $50,000 Of Debt In 4 Years On A Lower Salary

Paying off debt with a lower income and a budget that’s already tight can seem challenging. But it’s entirely possible and there’s still hope with the right mindset and strategies. Choncé Maddox shares her story of paying off a sizable debt with her husband.

When my husband and I got married in 2016 during the middle of our debt repayment journey, I knew I wanted to have a debt-free wedding so as not to add to our existing balance. So we planned and budgeted to handle all of the costs with our own cash and family gifts. While this was a relief, we still each had our own debt that we brought into the marriage. 

By 2014, I had $20,000 of student loan debt and a $10,000 high-interest car loan that I had already been working on paying down. My husband had about $6,000 in credit card debt, a $5,500 car loan and some student loans as well. So all in all, our total debt amount was around $50,000.

To read more, visit now - https://www.pennycallingpenny.com/how-we-paid-off-50000-of-debt-in-4-years/

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How I Dealt With Unexpected Job Loss To Bounce Back Financially

Unexpected job loss can hit you like a ton of bricks. It can come out of nowhere and if you’re not financially prepared, it can have a devastating blow to your bank account and your life. Jenn Leach shares her personal story of how she navigated unexpected job loss including how she prepared in advance for this financial emergency, the steps she took when job loss happened, and what she learned from the experience.

There are things you can do to guard against sudden job loss like building an emergency savings.

Sadly, nobody is immune from a sudden layoff. It’s one of the most difficult life events someone can experience and it can have a significant emotional impact on you.

When sudden job loss hit my household, here’s exactly how we dealt with it. Read the steps I took when career loss became my reality.

To read more, visit now - https://www.pennycallingpenny.com/how-to-deal-with-job-loss/