How Can Single Moms Save Money Effectively?

The new colleague at my company is a stingy mother. On her first day, she shows up with a huge pile of expired snacks that her son refused to eat and hands them out to everyone. Once we're done, she pulls out her PayPal and says, "These are all imported snacks for my son. I'll need 50 dollars from each of you." During a company team-building event, she refuses to participate, saying she has to go home to take care of her child. The day after, she comes over holding her phone and asks me for money. "I didn't eat with everyone yesterday. Since the company is footing the bill, just hand me the cash equivalent for my meal." Furious, I rejected her request immediately. What I fail to realize is that she would bear a grudge against me over it. One night, her son comes down with a high fever, so she calls me and requests a ride to the hospital using the company car. Once again, I refuse without a second thought. Because of the delay, her son suffers severe cognitive damage. She blames me for everything that happened. In a fit of rage, she ends up running me over with her car. As I open my eyes again, I find myself transported to her first day on the job.

Adia Mbeki is running on no sleep, no money, and no backup. Single mom. Coffee shop night shifts. A baby who cries more than she sleeps. She can’t afford to be late on rent. Not again. Enter Kael Sterling: cold, brooding billionaire CEO. Her landlord. The man who signs eviction notices before breakfast. But when he finds her asleep behind the counter at 3AM with her baby, something shifts. His deal is simple: Move into his penthouse. Be his “fake” live-in nanny. Let him pay the bills. No touching. No feelings. Just 90 days. The problem? He’s too quiet. Too careful with her daughter. Too good at showing up when she’s breaking. And Adia’s rule is clear: Billionaires break hearts. Single moms can’t afford that.

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.

Ito ay isang perpektong plano. Hanggang sa ang pekeng narararamdaman niya ay nagsisimula ng maging totoo... The last thing on Tyler's mind is romance. Sa pagitan ng pagiging isang solong ama at pamamahala sa kanyang matagumpay na karera sa pagsusulat, mayroon siyang higit sa sapat sa kanyang plano. Ngunit nang magpasya ang kanyang ex na labanan siya para sa kustodiya ng kanilang anak, alam niyang kailangan niyang ipakita sa hukom na siya ay isang solidong tao sa pamilya. Ang kakailanganin niya ay isang pekeng kasintahan, Ngunit hindi niya alam kung saan siya makakahanap ng isang babaeng handang magpanggap bilang kanyang asawa sa lalong madaling panahon. Ang pagkumbinsi sa kanya na tumulong ay hindi isang problema. Hindi na niya pinapansin kung paano niya papakinggang ang napakabilis na tibok ng puso niya para rito. Ngayon ito na ay isang problema. Ang gusto lang ni Ellie Diaz ay isang trabaho sa pagtuturo sa prestihiyosong paaralan ng Lincoln Academy, ngunit ang pagkuha sa kanila na isaalang-alang ang kanyang aplikasyon ay isang hamon. Ang magtrabaho dito bilang isang guro ay matagal niya ng minimithi. Pagkatapos ay nalaman niyang may mga koneksyon si Tyler doon—at handa siyang gamitin ang mga ito kapalit ng isang maliit na maliit na pabor. Ang kailangan lang niyang gawin ay mula sa pagiging yaya ng kanyang anak hanggang sa pekeng kasintahan ni Tyler ...at kahit papaano ay magpanggap na hindi siya naaakit sa kanya. Kung magiging maayos ang lahat, mapapatunayan ni Tyler sa hukom na magdedesisyon sa kaso ng kustodiya ng kanyang anak na siya ay isang solidong tao sa isang pamilya, at makukuha naman ni Ellie ang kaniyang tiket sa pangarap niyang trabaho. Ano ang posibleng maging mali? Ano ang gagawin mo kapag ang linya sa pagitan ng reyalidad at pantasya ay lumabo?

My mother-in-law is extremely frugal. She reuses paper others have discarded, carefully saving the unmarked portions. She even takes the black waste oil from the kitchen range hood and uses it to cook our meals. She says, "Frugality is a virtue—it brings blessings!" I try tirelessly to convince her otherwise, throwing out all her filthy items to protect my family's health. But while she praises me to my face, behind my back, she uses my baby's food scissors to clip her grimy toenails. My child eventually dies of a lung infection, leaving me heartbroken. My mother-in-law, however, points her finger at me, saying I'm unlucky and that I've brought misfortune to their family. Even my husband blames me. In the end, they use a knitting needle to pierce my throat and stab me to death. When I open my eyes again, I find myself back on the day I first see her picking up dirty paper. The first thing I do is hide all the high-quality tissue paper I had stocked up on before my pregnancy, pretending I knew nothing. She calls these blessings, right? Fine. The blessings of this miserly frugality—she can reap them all herself!

In order to stop me from spending money recklessly, my mom has exchanged my college living expenses into coupons. If I need to buy anything, I must buy it online. Also, I need to send a copy of my expenses sheet and the details behind said expenses to my mom so that she can check everything thoroughly. Only when she's given me her permission can I buy that item. When I tell my mom I want to buy a shirt, she tells me, "I remember you could still wear that shirt back in your high school days. You should just stick with it. Why waste your money on new clothes?" During winter, I can only wear the old sweater I've been wearing since my high school times while huddling in a corner of my dorm and nibbling on a sandwich. Meanwhile, my mom smugly posts a picture of the six-thousand-dollar dress she has just bought on her social media feed. "What a beautiful dress!"