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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!

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All BUDGETING SAVE MORE FRUGAL LIVING DEBT & CREDIT FINANCE 101
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    How to Budget When Moving Out for the First Time
    How to Budget When Moving Out for the First Time Read more
    As nerve wracking as this time can be, remember that moving away from home is also a time of opportunity and growth, even in your financial life!
    Sinking Funds vs. Cash Flow: What’s Right for Your Budget?
    Sinking Funds vs. Cash Flow: What’s Right for Your Budget? Read more
    Saving money isn’t doesn't have to mean FOMO. In fact, strategic saving usually leads to the opposite. Here’s how to make the most of your budget.
    What Is Considered Financial Abuse and What Are the Signs?
    What Is Considered Financial Abuse and What Are the Signs? Read more
    When we think about domestic abuse, it’s easy to focus on the two most common types: emotional and physical abuse. But financial abuse is just as harmful.
    How Do Student Loans Work? An Easy-to-Understand Guide
    How Do Student Loans Work? An Easy-to-Understand Guide Read more
    From interest rates to cosigners, deferments to forgiveness, this article covers everything you need to know about student loans. Here’s what to consider.
    9 Eggs-cellent Ways to Rock Your Easter Budget
    9 Eggs-cellent Ways to Rock Your Easter Budget Read more
    Wouldn’t it be great to have the Easter Bunny pay for your holiday activities? Until that happens, here are tips to celebrate Easter without breaking the bank!
    9 Tips to Adjust Your Budget for Inflation
    9 Tips to Adjust Your Budget for Inflation Read more
    What makes inflation so financially damaging is that for most of us, our incomes remain stagnant while costs skyrocket around us. Here’s what you can do!
    Sinking Funds 101: What Are They? And How Do You Start One?
    Sinking Funds 101: What Are They? And How Do You Start One? Read more
    With a sinking fund, you are being intentional about setting aside money every single paycheck (or every single month) to be able to pay for these expenses.
    How Much Money Do You Need to Save for Retirement?
    How Much Money Do You Need to Save for Retirement? Read more
    One of the reasons I like the 25X rule is because it starts from a budgeting perspective. In short, you want to save 25 times your annual retirement needs.
    Top 5 Online Finance Courses to Get Your Budget In Order
    Top 5 Online Finance Courses to Get Your Budget In Order Read more
    There are plenty of online courses that will help guide you through the ins and outs of personal finance. Here’s everything you need to know and consider.
    2022 Tax Season: Deadlines, Refunds, and How to File Online
    2022 Tax Season: Deadlines, Refunds, and How to File Online Read more
    The 2022 tax season is officially underway, and just like the last couple of years, there are a few unique considerations for tax filers to keep in mind.
    Are Savings Bonds a Good Investment Option?
    Are Savings Bonds a Good Investment Option? Read more
    There are many investment options available, but choosing exactly what to invest in can feel overwhelming. Here’s what you should know about savings bonds.
    10 Valentine’s Day Date Ideas That Won’t Break the Bank
    10 Valentine’s Day Date Ideas That Won’t Break the Bank Read more
    Want to plan a fun and romantic Valentine’s Day with your partner but don’t want to overspend? Here are 10 Valentine’s Day date ideas that won’t break the bank.
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    It's time for a cash envelope update!

I can't believe we are already halfway through the month.

Due to an increase in Spring and Summer activities, I will now be rolling over any unused Fun cash into my next tracking period to use for my upcoming paycheck budgets. Unfortunately, I used all of my Fun budget this month, so I won't have anything to roll over this time.

After changing pay schedules from getting paid twice a month to once a month, I started doing a mid-month check-in with my variable spending. This allows me to set some small financial goals with the cash I have left and start preparing for the new paycheck coming up. I like challenging myself to save as much as I can from my variable spending. I try to remind myself that just because I have the cash doesn't mean I have to spend all of it.

Here's how much I have to spend until I get paid again on June 1st:

FOOD = Budget: $500 | Left: $316
FUN = Budget: $50 | Left: $0
BEAUTY = Budget: $250 | Left: $140
MISC = Budget: $50 | Left: $5
HOUSEHOLD= Budget: $50 | Left: $24
PETS = Budget: $200 | Left: $200

My goal is to save the remaining cash from my misc and household category to throw towards my wedding savings goal. I also want to roll over $80 from my pet envelope into next month to use for Toby's tick and flea pill.

Do you do a mid-month check-in or set small spending challenges throughout the month?

#thebudgetmom #cashenvelopemethod #cashenvelopesystem #cashenvelopes #budgetbypaycheckmethod #budgetgoals #budgetbypaycheck #budget #budgetplanner
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    Welcome to the first Real Life Budget shown in Euros!

We are going over Ghofrane's information using the Budget By Paycheck Method! She is a digital marketer who lives at home with her mom in Belgium. 

Ghofrane reached out because she is struggling with how to prepare a budget for when she moves out for the first time. In this video, I walk through the steps on how to use a mock budget to prepare for moving out for the first time.

Any time you have a life change, your budget needs to change. When this happens, it's normal to go through a transition period of tweaking your budget and figuring things out! Essentially you are starting from scratch, and in this case, with a lot of unknowns.

If you would like to submit your information to be featured in a Real Life Budget, make sure you check out my Real Life Budget Highlight bubble here on Instagram. It will walk you through each step on how to submit your information with some helpful worksheets!

Click the link in my stories to watch the full video, and don't forget to subscribe to The Budget Mom YouTube channel!

#thebudgetmom #reallifebudget #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #budgettip #budgeting101 #budgetplanning #budgeting
    Open
    Let's throw out the assumption that if you are in therapy or see a counselor, something must be wrong with you.

I'm fine. But you know what, I want better than fine.

After experiencing some complex emotions, I decided to see a counselor to get the tools I needed to process and address them in a healthy way.

In my heart, I knew I was okay, but I wanted something more. I wanted to grow and come out stronger. Seeing my counselor led me down a journey of discovering wholeness and fulfillment in a way I had never imagined. It led to understanding.

There is no "wrong" reason to go to counseling or therapy. How about we call it what it is...growing.

#mentalhealthawarenessmonth #selfcarematters #selfcareisntselfish #thebudgetmom #personalfinanceforwomen #womeninfinance #womensupportingwomen #financialmindset #financialempowerment
    Open
    New YouTube video, and you aren't going to want to miss it!

Do you change your monthly budget on the Budget Category Breakdown worksheet in the BBP Workbook to match your spending? In this video, I am going over when to adjust your monthly budget based on the spending that happened during your tracking budget. I show when I adjust and when I don't.

After revealing that she is taking on more responsibility with her niece, Ryen shares how her budget has changed and how she's dealing with the new expenses in her life.

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 beneficial 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 will show you how to extract all of the vital information from your expense trackers using the "Where Did My Money Go?" Worksheets.

Make sure to click the link in my stories to watch the full video and follow The Budget Mom on YouTube 🙌
#budgetgoals #budgetbypaycheckworkbook #budgetplanner #thebudgetmom #budgetbypaycheckmethod #budgetbypaycheck #budgeting101 #budget2022
    Open
    If you were to go through every item you own and throw out every item that didn't bring you value, how many things would you get rid of?

Me = I'm scared to know the answer 😭

#thebudgetmom #minimalismlife #savemoney #financialfreedom #frugalnotcheap #spendless #minimalism
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