ABOUT ME

Hi, i’m Michelle, the author of Time and Pence, also known on Facebook as ‘Top Tip Mom’. Welcome to my family blog. I’m here primarily to help you make and save money and get your family organised to create more time.

I gave up my stressful career in the corporate world around 20 years ago to have more time for my family and since that day I have done many things to make money, all with flexible hours, and have proved to myself that it’s possible to make money and have time to live the life you choose. I now love showing my readers how they can do the same too!

I have lots of money-making and money-saving knowledge that I would love to share with you.

In addition to this, I have a keen interest in keeping myself and my family as healthy as possible with the challenges of chronic disease. Therefore, my posts will mainly cover money making, money saving, and getting organised, with some great health tips thrown in!

I hope my blog will help you and entertain you, but most of all inspire you.

So, join me on my journey and let’s make money, save money, have more time, and live a healthy life together!

Michelle x

Work With Me

If you would like to collaborate on a blog post or on social media, please send an email with your proposal and budget to timeandpence@gmail.com and I will get back to you.

Copyright

Information on this website may be used for personal use only.  No part of it may be stored, reproduced, copied or transmitted by any means without prior permission from the Author.

Disclosure

While every attempt is made to provide correct information, this site is for informational and entertainment purposes only.  I am not a financial expert and all views expressed are personal opinons. Before making any financial decisions you should seek financial advice for your personal circumstances from a trusted professional. The information on this site may become outdated over time.

Disclaimer

TimeandPence.com may use advertisements and affiliate links on this site, which means that if you click on a link and it takes you through to a website and you register or purchase something, Time and Pence will get a small compensation from that sale at no extra cost to you. You are not obligated to click on any links or to purchase any products that are advertised or recommended.

All opinions and reviews are honest and my own or that of guest posters.

These terms are subject to change without notice.