As a mom, I want to have time for my family. I don’t want to be working full-time for somebody else. I don’t want to be disorganised. I don’t want to be unhealthy. This blog will provide you with all the information you need to live a better balanced life. The money making and saving ideas have been thoroughly tested and actually work and I will help you to get organised, get healthy and live the simple life you crave. Balancing time and life these days can be really difficult. Over 16 years ago I gave up my job to pursue a life of financial independence, allowing me more time with my family. On Time and Pence I share ideas on real, tried and tested money making ideas, money saving, getting organised and family health. Everything you need to live a balanced life and spend time doing the things you want to do.