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        • Too often, we let failure become a stumbling block on our financial journey. Did you really fail, or did you come across a stumbling block that allowed you to learn?

          Defining Failure on Your Financial Journey

          Is the Coronavirus crisis making it hard to keep up with your bills? Learn the steps you can take to gain more control over your financial situation.

          What to Do if You Can’t Afford to Pay Your Bills

          Living on your own comes with new expenses, so you must prepare your finances ahead of time. Independence is a fantastic thing, but enjoying that new freedom can be more expensive than you think. Here is how to prepare your budget for moving out.

          How to Budget Moving Out for the First Time

  • SAVE MORE
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        • Cut Expenses
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        • Saving money on food purchases is essential when facing uncertain times or limited income. Here are some of the ways I am saving money on food costs while safe-at-home.

          How I’m Saving Money on Food Costs During Quarantine

          This is my story and the steps I took to buy my dream home with cash. Where you are right now financially DOES NOT determine what you are capable of. It also does not dictate how big you're allowed to dream.

          My Journey to Buying My Dream Home With Cash

          Are you looking for ways to increase your income, or find more ways to work on a flexible schedule? Here are 20 work from home jobs that you can use to start earning money today.

          20 Work From Home Jobs You Can Start Today

  • FRUGAL LIVING
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        • Beauty & Health Tips
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        • Frugal Living 101
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        • If you own your home, it's an asset. So, it's smart to try to increase its value over time. Check out these tips you can use to build your home equity.

          How to Build Equity in Your Home

          An easy classic Macaroni salad recipe that is a perfect side dish to your BBQ meals and the warmer weather. Save money by using ingredients you already have at home!

          Easy Macaroni Salad Recipe

          I want to share with you how you can organize your pantry on a budget. You can do everything you need to do, not spend a penny more than you have to, and enjoy a pantry that serves you and your family’s needs.

          Pantry Organization on a Budget

  • DEBT & CREDIT
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        • Credit Cards
        • Credit Report & Score
        • Debt Basics
        • Get Out of Debt
        • Loans, Etc.
        • There’s a lot of conflicting news about credit, credit cards, and credit scores. These credit myths will cost you money. How many did you believe?

          6 Credit Myths That Can Cost You Money

          When you are trying to get out of debt, getting another credit card just might be the best option you have. A balance transfer from your high-interest cards to a card that offers an introductory 0% APR can save you hundreds of dollars in interest and help you pay off your debt faster.

          What Is a Balance Transfer and Is It Right for You?

          Inaccurate information on your credit score can cause negative impacts on your financial journey, especially if you are trying to get better lending terms or interest rates. Here is what you need to look for on your credit report, and how to fix any mistakes.

          How to Fix a Mistake on Your Credit Report

  • FINANCE 101
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        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • What You Should Know About Index Funds

          Don't want to waste your tax refund on something you’ll regret? You need a plan before the money hits your bank account. Check out 4 smart ways to use your refund.

          4 Smart Ways to Use Your Tax Refund

          Your net worth is a snapshot of your financial health. When you track net worth over time, it can show you the progress you’re making toward your financial goals.

          How to Calculate Your Net Worth

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Hello, I'm Kumiko, but everyone just calls me Miko. Welcome to my blog, The Budget Mom. I am an Accredited Financial Counselor® , and mom to a rambunctious boy. Come along with me as I strive to live a life I love on a budget that I can afford. Read more about me.

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  • Defining Failure on Your Financial Journey
  • 6 Credit Myths That Can Cost You Money
  • What Is a Balance Transfer and Is It Right for You?
  • How I’m Saving Money on Food Costs During Quarantine
  • How to Build Equity in Your Home

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