Hey, I’m Josie! Welcome to my little slice of the internet.



Hey! I’m Josie– I am so glad that you are here!  A little about me… I am a 30 something mother of three crazy little boys and wife to an amazing chef.

Smart Money Mom is all things money– something we are all taught to love and hate. This blog is mainly about my journey of being more financially responsible. Hopefully teaching others how to NOT make the same mistakes as myself and simplifying the process of being smart with your money.

I’m not a prefect princess– I had my first credit card at 18, was on chex systems by 21 and $10000 in debt by my 23rd birthday.I married into over $80,000 in student loan debt.

Thankfully, my husband and I learned the road to frugality 5 years ago and haven’t turned back. We’ve paid down over $60,000 worth of debt– most within the last 24 months and stopped allowing our money to control us.

We’ve learned to save money and pay down debt by budgeting, doing it ourselves and staying on top of our finances! This blog is dedicated to helping you learn from our mistakes and how you can still live a good life while frugal.