Tender and Timely

Daily Money Management, LLC

About Me


I worked as an IT analyst in the corporate world for over 30 years, 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 NYC and Rockland County, NY.


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


Victoria Schrager

Please call at 862-295-2118

or 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 helped several family members and friends get their day-to-day financial lives organized. I enjoyed doing it! Knowing  that I was saving them late fees, interest payments, medical statement disarray, and handling unresolved issues felt really gratifying.


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!


We hired Victoria Schrager, Tender and Timely owner, when my parents began to have trouble keeping up with their daily money management. It was a huge step for us. My parents staunchly held on to their independence. Victoria patiently, but firmly, has worked with our family to ensure that there are no more unfortunate surprises in store re: unpaid bills, cancelled accounts. She has streamlined the accounts; been honest and compassionate; helpful and  efficient in being a liaison between everyone involved; her communications are frequent, clear and timely; and she is very knowledgeable and trustworthy. This is a cliché, but we really don’t know how we would cope without her. Not only does she handle the week-to-week money management, she sustains a strong, caring relationship with some stubborn characters! We highly recommend Victoria Schrager and Tender and Timely. I am happy to answer questions or concerns.

JMB - Hackensack

Victoria is the DMM for my 92 year old aunt.  As I live overseas, There is no way that I could manage without her.  I no longer have to worry that bills are going unpaid and that checks are being lost in the mail.  Victoria is a great communicator, smart, knowledgeable and efficient.  She even has repeatedly found ways for us to save money.  My mind is at ease knowing that Victoria is on the job, freeing me up to focus on my aunt's health and social well being. 

BGL Fort Lee, NJ

Victoria handles the day-to-day bill paying and banking for my 95 yr old great aunt. Given that I am in CT and my aunt is in NJ it is a great help and service to have someone who is competent and reliable as Victoria to handle this task.


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

Interview #2 with Joe Chu of Assisted Living Locators

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)