As a prior high school economics and social studies teacher, school counselor, and university professor, the author of Smart Mom HQ has vast experience teaching students how to manage money and create a successful budget so they are prepared to live on their own after high school graduation.

She completed her doctorate degree in education after working with students in various levels in grades K-12 for 16 years, is a recognized credit expert, and founder of Smart Mom HQ.

Notes from the Author

Struggling with my credit score was part of my everyday life for many years.

Credit was introduced to me in my early college days, the same as it is to most teenagers just going out on their own. It felt awesome to carry around a plastic card with my name on it and use it to pay for everything like I was a real grownup.

As time went on, creditors were knocking on my door to give me a second, then the third card. Of course, I accepted.

After all, why wouldn’t I?

Years down the road, I had to learn my lessons the hard way about why I shouldn’t have said ‘yes’ to all those creditors.

First I could pay the balance off each month, then the next thing I knew I was making minimum payments and actually paying more in interest than to the principal in most months.

It took years to get my act together and figure out how to get off the stressful financial roller coaster. Have you been on this roller coaster ride, too?

I started by empowering myself with real-life knowledge, then began personally putting to use the information I gained from being a high school economics teacher.

Smart Mom HQ was launched to help readers make better decisions about their money and credit and teach them how to take control of their finances and, more importantly, their financial future.

My personal mission is to spread the word about simple ways to enjoy a life that won’t put you or your family in a financial bind.

It is possible!

The information you find on Smart Mom HQ is unbiased and provided to help you grow your knowledge about money so you can make the best decisions that fit your personal situation.

Smart Mom HQ is an unbiased knowledge center designed to answer your questions about money and home management so you can turn around your financial situation or get answers to the common questions about daily living we often type into Google looking for a quick answer.

The real question is, “Are you willing to do what it takes to create a financially free future?”

How We Make Money

The interests of our readers, you, are the number 1 priority at Smart Mom HQ.

Smart Mom HQ makes money by partnering with advertisers that share our vision for helping people make wise money decisions. We do the research for you, share opportunities, and recommend products and services that will help you financially depending on your personal situation.

Not every product or service is right for every person.

For this reason, unbiased information is provided so you can decide if it fits your needs. If you decide to sign up for a service or product you find on Smart Mom HQ, we may earn a commission from our partners.

Our Editorial Standards

Smart Mom HQ works with writers who have established themselves as credible experts in the field of personal finance, whether it be self-taught or degree-based. We are in agreement on the importance of offering unbiased information that is fully research-based.

We pride ourselves on the importance of writing each article in simple language so it is simple to understand and easy to read. The goal is for each reader to gain the information they need before leaving the Smart Mom HQ website.

Your Privacy

Smart Mom HQ values your privacy. It is taken seriously, and your data or personal information will never be sold or given away to anyone.

Read more about our strict and no-nonsense Privacy Policy

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