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The Budget Mom

Real Women. Real Life. Real Finance

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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!

Free Resource Library

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  • Financial Freshness Challenge Checklist
  • Christmas Budget Worksheets
  • Weekly Cleaning Checklist
  • $20 Challenge Tracker
  • Flower Phone Background
  • Floral Phone Background
  • Bird Theme Phone Background
  • Wedding Fund Savings Tracker
  • Disney Savings Tracker
  • Chicken Savings Tracker
  • Shopping List
  • Retirement Worksheet
  • Don't Forget Why You Started Phone Background
    Save this photo file and use it as your phone background!
  • New Year Better You Phone Background
    Save this photo file and use it as your phone background!
  • Embrace Your Journey Phone Background
    Save this photo file and use it as your phone background!
  • 2022 New Year Cash Envelopes
    Use these cash envelopes to kickstart your budgeting journey in 2022!
  • Retirement Tracker Bundle
  • Thanksgiving Meal Plan
  • Allowance Tracker
  • Gift Giving Trackers
  • Shopping Small Gift Tracker
  • Fall Bucket List
  • Retirement Vision Board
  • Medical Theme Vertical Cash Envelopes
  • Keys to Cars Payoff Tracker
  • Financial Advisor Questionnaire
  • Budget Supplies Themed Cash Envelopes
  • Child Expenses Oragnizer
  • Baby Shower Budget
  • Reaching For The Stars Debt Payoff Tracker
  • Home Renovation Worksheet
  • Pet Theme Envelope
  • Moving Budget Worksheet
  • Back To School Budget
  • Self-Care Themed Cash Envelopes
  • Net Worth Tracker
  • Savings Challenges Monthly Tracker
  • Meal Planning Printable
  • Tropcical Theme Vertical Cash Envelopes
  • Baby Budget Worksheet
  • Subscription & Membership Reminder Worksheet
  • No Spend Day Tracker
  • Moving Checklist
  • Gratitude Jar
    Use this to start yourself a Gratitude Jar! Cut out of the attached slips and challenge yourself to fill one out every day. Put them in a jar and once or twice a year, open your jar and read the slips and reflect on how far you've come! To get more slips you will need to print out more copies. Feel free to even use blank pieces of paper!
  • Flower Theme Cash Envelopes
  • Credit Card Debt Tracker
  • Vacation Budget
  • Pool Savings Tracker
  • Seasonal Fruit Guide
  • Debt Payoff Tracker
  • Financial Boundaries Worksheet
  • Pet Budget Planning Worksheet
  • Easter Budget Tracker
  • Spring Theme Vertical Cash Envelopes
  • Money Affirmations Worksheet
  • Budget Category Organizer
  • Goal Snapshot Worksheet
    Create goals & track your progress!
  • College Expenses Worksheet
  • A Little Bit of Luck Savings Tracker
  • Black and White Spending Trackers
  • Valentine's Day Vertical Cash Envelopes
  • Goal Worksheet
  • Valentine''s Day Budget
    Use this Valentine's Day Budget Worksheet to plan out what you and your partner are doing to celebrate!
  • Tax Checklist
    Struggling to gather your 2021 tax documents? Use this three-page Tax Checklist Packet to prepare for filing your taxes!
  • Quick-Start Guide: Budget By Paycheck Method
  • Yearly Spending Overview Worksheets
  • Online Sales Tracker
    Want to keep track of what you are selling online and your profit? Use this Online Sales Tracker to list out the items you want to sell, what platform you're using, and the profit you made from each sale!
  • Price Comparison Shopping List
    Are you wanting to do some price comparison between stores before heading out to do shopping? This helps when you are trying to figure out the best stores to shop at in your area. I always like to compare prices among the items I buy the most to ensure I am getting the best deal!
  • Emergency Fund Savings Envelope
  • Debt Snowball Tracker
  • Blank Monthly Calendar
    Perfect tool to create your budget calendar!
  • Christmas Spending Trackers
    Keep track of how much you are spending on Christmas.
  • New Year's Resolutions Worksheets
    Are you wanting to document and write down your New Year's Resolutions? Use the monthly worksheet to set a new goal every month. Use the other resolution tracker to create goals for different areas of your life.
  • Real Life Budget Worksheets
    Use these worksheets to submit your financial information for a Real Life Budget on The Budget Mom
  • Sinking Funds Saving Tracker
    Are you trying to establish your savings goals before the new year? Use this Sinking Funds Tracker to track and calculate your sinking funds.
  • Thanksgiving Meal Plan Printables
    Thanksgiving Meal Plan & Weekly Meal Plan Printables
  • Winter Flower Vertical Cash Envelopes
  • Cyber Monday & Black Friday Shopping Tracker
    Use these two worksheets to stick to your spending plan during Black Friday & Cyber Monday
  • Motivational Phone Background
  • Fall Weekly Meal Plan Printable
  • Baseball Vertical Cash Envelopes
  • Christmas Fun Printable Pack
  • Wedding Budget Printable
    A wedding you love on a budget you can afford.
  • Financial Reflection & Net Worth
    Understand yourself better and encourage active management in your financial process.
  • Sloth Savings Tracker
    Use this savings tracker to track your savings progress.
  • Goal Worksheet
    Use this one-page worksheet to help you set up a realistic and obtainable goal.
  • 52-Week Savings Challenge
    Save $1,378 in one year!
  • 12-Week $300 Christmas Savings Challenge
    Do you feel like you don't have enough time to save for Christmas? Save $300 in just 12 weeks!
  • Spring Fun Vertical Cash Envelopes
  • Cashless Spending Tracker
    Not spending cash? Use these spending trackers instead of cash envelopes. Track and be aware of your spending.
  • Credit Score Tracker
    Use colors to mark where your score ranks and write down your credit score under each month.
  • Feedback Not Failure
    Taking time to reflect and giving yourself feedback will help provide you with information for becoming successful in the future.
  • Bare-Bones Budget Worksheet
    Uset this worksheet to help you determine what expenses to keep, cut, or lower.
  • Travel Cash Envelopes
  • Debt & Saving Puzzle Tracker
  • My Overall Debt Picture Worksheet
    Create a plan to pay off your debt.
  • Food Inventory Printables
    Use these three worksheets to take inventory of your pantry, fridge, and freezer.
  • Weekly Schedule Printable
    Use this Weekly Schedule printable to organize a new learning schedule for your child, plan out daily projects, or create a new home routine. Also available with blank time slots.
  • Daily Gratitude Printable
    Focus on the positive things in your life and financial journey by using this one-page Gratitude printable. Happiness and gratitude is not about comparing yourself to others. It's about finding peace and happiness with your own surroundings and life regardless of what others have or don't have.
  • Moving Expenses & To-Do List
    Use the Moving Expense & To-Do List Worksheet to plan ahead for your next big move. Make sure to include these new expenses in your already-made budget!
  • Net Worth
    Net Worth Worksheet
  • Online Shopping Envelope
    Use this envelope when you need to replenish your checking account from your cash envelopes or if you want to save for online purchases as an all-cash spender.
  • Purple Weekly Meal Plan Printable
  • $5 Challenge Tracker
    $5 Challenge Tracker
    Use this worksheet to track your progress for the $5 Challenge!
  • Holiday-Theme Weekly Meal Planner
    Use this printable to plan out your weekly meal plan!
  • Weekly Meal Plan Printable
    Plan out your meals for the entire week + grocery list!
  • Bill Tracker
    Keep track of expenses and when they are paid.
  • Credit Card Tracker
    Credit Card Tracker
    Track credit card information & payments.
  • Family Meeting Worksheet
    Use this worksheet to prepare, plan, and talk about finances during regular family meetings.
  • BIRTHDAY PARTY BUDGET
  • Child Savings Envelopes Free Resource Library
    Child Savings Cash Envelopes with Trackers
    Use these savings envelopes to teach your child the importance of saving.
  • Savings Tracker
    No matter what you are saving for, use this savings tracker to keep track of your savings goals!
  • Budget Crush Workbook
    Create A Simple Budget In Four Easy Steps!
  • Credit Report Review Checklist
    Credit Report Review Checklist
    An essential guide to help you manage your credit report, increase your credit score, and dispute wrong or inaccurate information!
  • password library
    Password Library Printable
    Use this Password Libary Printable to keep track of your username and password information.
  • Easter Scavenger Hunt
    Use this free Easter Scavenger Hunt to add some excitement to your Easter Sunday!
  • Online Sales Tracker
    Online Sales Tracker
    Use this worksheet to stay organized on your decluttering journey. Keep track of your online sales and your profit.
  • Goal Worksheet Image
    Goal Worksheet
    Write down your WHY and record your goals and action steps. Keep this in a place where you see it every day as a reminder of WHY you are on your financial journey!
  • House Savings Tracker Image
    House Savings Tracker
    Use this house savings tracker to stay motivated on your savings journey. There are 100 spaces to color.
  • Sinking Funds Graph
    Use this blank graph to create a bar graph to track your sinking funds goals VS progress!
  • Sinking Funds Savings Tracker-page-001
    Sinking Funds Savings Tracker
    Use this one-page tracker to track all of your sinking fund goals!
  • If your income varies, your budgeting process becomes even more critical. Paying your essential expenses first is vital, especially when using the cash envelope method.
    High-Priority Expense Worksheet
    Use this worksheet to figure out your high-priority espenses that NEED to be paid.
  • Recipe Binder Image
    Recipe Binder Printables
    Use these printables to organize your recipes into your very own recipe binder!
  • Financial Advisor Questionnaire
    Looking for a financial advisor that will meet all of your unique needs? Explore your options and find out what questions you need to be asking using TBM's complete guide!
  • CREDIT CARD DISPUTE LETTER
    Credit Card Dispute Letter
    Use this editable word document to create and send a dispute letter to your credit card lender.
  • Holidays and Events Cash Envelope Bundle
    Holidays and Events Cash Envelope Bundle
    Stay on budget and out of debt by creating a monthly or weekly savings plan for upcoming holiday or events! Use these themed envelopes to stash your cash and add some fun to your cash envelope budget!
  • 12 Months - 12 Savings Challenges Pinterest
    12 Months = 12 Savings Challenges Cash Envelopes
    Use these vertical cash envelopes during the 12 Month Savings Challenge
  • Black Friday Vertical Cash Envelope
    Start saving cash for the biggest shopping day of the year!
  • Male Design Cash Envelopes Picture
    Male Design Cash Envelopes
    Cash envelopes for the male in your life.
  • Weekly Meal Plan
    Weekly Meal Plan
    Use this one-page worksheet to create and organize your weekly meal plan!
  • Christmas Gift Tracker
    If you need a better system to keep track of all of your Christmas gifts, get my FREE printable Christmas gift tracking list today!
  • Holidays & Events Yearly Savings Goals Worksheets
    Holidays & Events Yearly Savings Goals Worksheets
    Use this two-step savings system to create a yearly savings plan for holidays and events!
  • 28 - DAY Spring Cleaning Challenge
    28-Day Spring Cleaning Challenge Calendar
    This cleaning list can help you get your house in tip top shape in just 28 days. Simply tackle one of the chores each day for 28 days. You don’t have to do it in the order I have listed. Choose a chore that you can do for the time you have that day.
  • Travel Budget Printable
    Use this printable to plan your vacation budget.
  • Debt Free Thermometer Image
    Debt Free Thermometer
    Use this debt thermometer to track your debt free journey!
  • Debt Payoff Thermometer Image
    Debt Payoff Thermometer
    Use this helpful visual to track your debt payoff journey.
  • Savings Tracker Image
    Savings Tracker
    Use this one-page savings tracker to visualize your progress and keep track of your savings goals!
  • Christmas Planning Workbook
    Christmas Planning Workbook
    Use this three-page workbook to create the ultimate Christmas Budget! Contains Christmas budget, gift budget, and card worksheet!
  • Simple Holiday Gift Tags Printable
    Black Simple Holiday Gift Tags (Printable)
    Add a fun personal touch to your Christmas gifts with these cute holiday gift tags!
  • Free Monthly Budget Final
    One-Page Monthly Budget
    Us this one-page monthly budget to create a plan for your money.
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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.

RECENT YOUTUBE VIDEO

The Budget Mom

The Budget Mom
It’s time for another Real Life Budget. I asked my readers to submit their REAL information. Real spending, real debt, and real savings goals.

I am taking those real-life numbers and showing you how I would organize and budget that information using my Budget By Paycheck® Method.

If you would like to submit your budget information to possibly be picked for a Real Life Budget that we will show on YouTube, please reach out to budgets@thebudgetmom.com.

Today, we are looking at TBM Family member Christina's information. Christina and her husband are on a debt payoff journey and feel like they are not making the progress they should be. For the first time, I am showing how to use a debt reduction calculator to show how your decisions affect your debt journey.

Trust me, if you have debt, you don't want to miss this video!

CHAPTERS:
00:00 Introduction
03:07 Why & Personal Story
06:04 Income 
07:55 Fixed Expenses
09:15 Variable Expenses
10:30 Debt
12:52 Savings Goals
14:26 Budget By Paycheck Method
21:01 Debt Payoff Scenarios & Visuals
32:28 My Recommendations

➡️ DEBT REDUCTION CALCULATOR: https://bit.ly/3ZqqiNO
➡️ 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

Kumiko Love is a single mom who empowers women everywhere to regain control of their financial lives. An Accredited Financial Counselor with over nine years of experience in the finance industry, she founded The Budget Mom, a community of millions of women on a path to financial fulfillment.

She's also the creator of the wildly popular Live Rich Planner® and Budget by Paycheck® Workbook. Love has been featured on Good Morning America, the Today show, CNN, CBS, ABC and in USA Today, US News, World Report, Huffington Post, Money Magazine, Parents Magazine, the Washington Post, and Real Simple. She lives in Spokane Valley, Washington.

YOU CAN FIND ME AT:

📝 WEBSITE: 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/
➡️Courses: https://courses.thebudgetmom.com/
➡️Free Resources: https://bit.ly/2PDmTHz
➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMYOUTUBE https://bit.ly/3FEdZFp

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