• Home
  • GET THE BOOK
  • Start Here
  • Blog
  • Free Resources
  • Shop TBM
  • Courses

The Budget Mom

Real Women. Real Life. Real Finance

  • Home
  • Products
    • Live Rich Planner
    • Budget By Paycheck
  • Blog
  • FREE RESOURCES
  • COURSES
  • GET THE BOOK
  • Shop TBM

A life you love on a budget you can afford.

Here on TBM®, I provide you with simple, easy-to-follow solutions to help you budget your money, pay off debt, save more, and crush your financial goals. But more than that, I give you the tools to start doing the things that matter most to you, on a budget that actually works!

  • Home
  • Products
    • Live Rich Planner
    • Budget By Paycheck
  • Blog
  • FREE RESOURCES
  • COURSES
  • GET THE BOOK
  • Shop TBM
Remember, personal finance is, well, personal. This means that there are a lot of factors to consider before deciding whether a personal loan is right for you.

Should I Take Out a Personal Loan to Pay off Credit Card Debt?

June 30, 2022
DEBT & CREDIT

  The average credit card interest rate just hit 16.98 percent, with new offers coming in higher at 18.89 percent. Coupled with inflation and soaring gas prices, these interest rates are beginning to View Post

Filed Under: DEBT & CREDIT, Get Out of Debt, Loans, Etc. Tagged With: DEBT, DEBT CONSOLIDATION, DEBT PAYOFF, PERSONAL LOAN

But what happens if things have already gotten beyond that point? What happens if you’ve missed multiple payments? Here are the next steps to take.

What to Do When Your Credit Card Company Sues You

June 23, 2022
Credit Cards

If you’ve ever missed a credit card payment, you’re not alone. In fact, according to a recent study by WalletHub, an estimated 42 million Americans are expected to miss a credit card payment in 2022 View Post

Filed Under: Credit Cards, DEBT & CREDIT Tagged With: CREDIT CARD, CREDIT CARD DEBT, CREDIT CARD PAYMENT, DEBT, GETTING SUED CREDIT CARD

If you like saving money, finding new products your family will love, and buying in bulk, then you might want to consider joining a wholesale club.

Sam’s Club vs. Costco: Which Is Best for Your Budget?

June 16, 2022
FRUGAL LIVING

If you like saving money, finding new products your family will love, and buying in bulk, then you’ve probably considered joining a wholesale club such as Costco or Sam’s Club. There are so many View Post

Filed Under: FRUGAL LIVING Tagged With: BULK SHOPPING, COSTCO MEMBERSHIP, FOOD BUDGET, GROCERY BUDGET, SAMS CLUB MEMBERSHIP

After what feels like forever, you finally pay off your debt. You feel relief until you notice your credit score dropped. What happened – and what can you do?

Why Does Your Credit Score Drop When You Pay Off a Debt?

June 9, 2022
Credit Cards

Imagine this: After what feels like forever, you finally pay off your debt. You know… that debt. Maybe it’s credit card debt that you’ve carried around for years. Perhaps it’s the student loans you View Post

Filed Under: Credit Cards, Credit Report & Score, DEBT & CREDIT Tagged With: CREDIT, CREDIT CARD DEBT, CREDIT SCORE, DEBT PAYOFF

Did you know there are currently 11 ways you can have your student loans forgiven, canceled or discharged? Here are the steps you can take to qualify and apply.

What You Need to Know About Student Loan Forgiveness

June 2, 2022
DEBT & CREDIT

The average student loan debt in the United States currently stands at $32,731. When you consider that the median household income is $67,521 and, in many cases, includes two earners, then it View Post

Filed Under: DEBT & CREDIT, Loans, Etc. Tagged With: STUDENT LOAN, STUDENT LOAN DEBT, STUDENT LOAN FORGIVENESS

Here’s the good news: keeping your kids entertained and making lifelong memories with your family doesn’t have to bust your budget. Try these ideas!

14 Budget Friendly (But Fun) Things to Do This Summer: 2022 Edition

May 26, 2022
FRUGAL LIVING

Many of us are feeling the squeeze with gas prices soaring as high as summer temperatures.  And it’s no secret that inflation is red hot right now.  Here’s the good news: keeping your kids View Post

Filed Under: FRUGAL LIVING Tagged With: SUMMER, SUMMER ACTIVITIES, SUMMER BUDGET, THINGS TO DO

Next Page »

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.

RECENT YOUTUBE VIDEO

Ryen & I are talking about our June 2022 budget numbers! Not only do we show where our dollars went, but we also discuss if we stuck to our budget limits.

In this video, we are going over some heavy spending I had in June (thank you, sinking funds!) and Ryen gives an update on her debt payoff timeline. 

What do you do with your budget after the month is over, and you’re ready to begin a new month? Most people don’t realize it, but your spending throughout the month gives you some incredibly helpful information.

One of the first steps to creating and sticking to a realistic budget is tracking your expenses. Your spending is the underlying foundation for creating a budget and ensuring that your budgets in the future are successful.

If you are not aware of where your money is going, you can’t make the best decisions for your dollars. Today, I am going to show you how to extract all of the vital information from your expense trackers using the "Where Did My Money Go?" Worksheets.

CHAPTERS:
00:00 Introduction
09:57 Miko's Budget Category Breakdown
12:46 Miko's Investment & Savings Breakdown
14:21 Miko's Spending Comparison to May 2022
15:10 Ryen's Budget Category Breakdown
17:18 Ryen's Debt & Savings Breakdown
18:22 Ryen's  Spending Comparison to May 2022
19:08 Conclusion


➡️ HOW I TRACK MY SPENDING: https://bit.ly/3aIe89I
➡️ HOW TO USE A BUDGET CALENDAR: https://bit.ly/2IzF2Vj
➡️ FINDING YOUR WHY: https://bit.ly/3aJUryj
➡️ THE BUDGET MOM'S FINANCIAL FREEDOM STEPS: https://bit.ly/3cfJXsp
➡️ HOW TO GET STARTED WITH THE CASH ENVELOPE METHOD: https://bit.ly/2vQJaO5
➡️ HOW TO CREATE A PLAN OF ATTACK TO PAY OFF DEBT: https://bit.ly/2wDETxF

ABOUT ME

I'm the blogger behind https://www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!

YOU CAN FIND ME AT:

📝 BLOG: https://www.thebudgetmom.com
📘 FACEBOOK: https://www.facebook.com/thebudgetmom/
📸 INSTAGRAM: https://www.instagram.com/thebudgetmom/
📌 PINTEREST: https://www.pinterest.com/thebudgetmom/

GET STARTED

➡️Start Here: https://www.thebudgetmom.com/start-here/
➡️Free Email Course: https://bit.ly/2UYgNFf
➡️Free Resources: https://bit.ly/2PDmTHz
➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMYOUTUBE https://bit.ly/2CR7U9n
JUNE 2022 BUDGET RECAP | Budget By Paycheck + Budget Tips
YouTube Video UCqP6K5GNGvQXSI10xNIAkxA_QFxVLJaDXUw
Load More... Subscribe
Free Resource Library

Recent Posts

  • Should I Take Out a Personal Loan to Pay off Credit Card Debt?
  • What to Do When Your Credit Card Company Sues You
  • Sam’s Club vs. Costco: Which Is Best for Your Budget?
  • Why Does Your Credit Score Drop When You Pay Off a Debt?
  • What You Need to Know About Student Loan Forgiveness

Blog Categories

Amazon Associates Disclosure

The Budget Mom, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

  • Cart
  • Shop Policies

Start With My Friday Newsletter

Every Friday I send you a short helpful email with my popular Friday freebie. Join my 500k+ subscribers!

About

  • Home
  • ABOUT TBM
  • Contact
  • Start Here

Important

  • DISCLAIMER
  • PRIVACY POLICY
  • Subscribe

Favorites

  • YouTube
  • Blog
  • Live Rich Planner
  • Budget by Paycheck

Start With My Friday Newsletter

Copyright ©2022, The Budget Mom®
This website contains affiliate links, which means that if you click on a product link, I may receive a commission. This website is a participant in the amazon services llc associates program, an affiliate advertising program where I earn advertising fees by linking to amazon.com.
  • How financially fulfilled are you? Take this 2 minute quiz to get your score!
    Click Here to Start