About Us

Bill Paying / Financial Organizing / Computer Assistance

Tender and Timely

Daily Money Management, LLC




About Me


I worked in the corporate world for over 30 years, particularly in the IT field, with the last 10 years in the Healthcare Insurance industry.  My analytical and technical skills paired with my enjoyment of helping others, especially seniors, drew me to this profession. I am extremely organized and I like the feeling of accomplishment when I have helped someone else put things in order. 


I currently serve as Membership chair of the Greater NY chapter of AADMM.


My business is located in BERGEN County and is licensed as an LLC in the state of NJ.  My clients are located as far south as Middlesex County and into Rockland County, NY.


I carry Professional Liability Insurance and had a background check in 2018.


Victoria Schrager

Please call at 862-295-2118


email me at info@tenderandtimely.com

How did I get started?

The idea to form Tender and Timely Daily Money Management came about when I saw how gratifying it was to help several family members and friends organize their paperwork and pay their bills on time without fees.  I enjoyed doing it and the relief they felt in knowing  that their bills were being paid and their invoice and medical bill disputes were  handled was visible!


The company name was chosen to illustrate my approach to the personalized nature of this business, along with the commitment to accuracy and timeliness.


I look forward to sitting with you at your table!


Working with Victoria Schrager has made my life so much easier. She’s a whiz with computers and has been there to respond to all my computer glitches, along with solid recommendations for simplifications. Whether it’s doing banking business or responding to problems with bills, Victoria takes initiative and handles everything in an efficient, business-like manner.

FWP- Fort Lee


I hired Victoria Schrager after my mother passed away to help pay her medical bills and manage her estate. She went above and beyond what she had to do, making sure I was paid everything I was owed, and finding out I was owed more than I thought. I am thankful I hired her as my DMM and readily recommend her to anyone in need of DMM services

Daniel W


I engaged Victoria to handle my bills over the past year and have found her accurate, engaging, and alert to my needs. She always has good ideas on how to better manage my bill paying and financial life.  I haven't had a late fee since she started helping me.

YbR-Fair Lawn

CODE of ETHICS from the AADMM Website:

The American Association of Daily Money Managers is committed to promoting high standards of client services provided by its members.

As Daily Money Managers (DMMs), we provide assistance to clients who have difficulty managing their personal monetary and/or business affairs. As DMMs, we are not acting as accountants, financial advisors, or attorneys. Unless separately educated and properly licensed to do so.

DMMs shall have concern for the well-being of their clients.

DMMs shall treat clients, their family members, colleagues, and other professionals with fairness, discretion and integrity.

DMMs shall not exploit their clients financially, socially, emotionally, sexually, physically, or in any other manner.

DMMs shall avoid those relationships or activities that interfere with professional judgement and objectivity.

DMMs shall disclose in writing any affiliations, association, or interest that may pose a potential conflict of interest or the appearance of impropriety.

DMMs shall strive to ensure fees are fair, reasonable, and commensurate with the services performed.

DMMs shall take reasonable precautions to avoid harm to the client or his/her property.

DMMs shall respect the right of their clients.

DMMs shall protect the client’s right to privacy and confidentiality in accordance with the laws of the state where the services are performed.

DMMs shall achieve and maintain high standards of competence.

DMMs shall accurately represent their professional experience and training and shall not act in any capacity for which they are not separately educated and properly licensed.

DMMs shall keep current with issues affecting their clients (health insurance, consumer fraud, etc.) and maintain all licenses, registrations, certifications, and insurance required by law to perform their services.

DMMs shall refer clients to other service providers or consult with the other service providers when additional knowledge and expertise are required.

© 2016, American Association of Daily Money Managers

Click here to read an article on some early signs that help with bill paying is indicated


Click here for an interesting article on how to have the difficult conversation with your parent(s)