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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!

Miko’s Moments – Finding Joy While Saving

July 29, 2021

Welcome to another Miko’s Moments. What do lattes, avocado toast, and takeout all have in common? I’ll give you a second to think about it... These are all things that financial gurus tell View Post

Miko’s Moments – Does Money Buy Happiness?

July 8, 2021

Welcome to another Miko’s Moments. At some point, we’ve all heard the question: does money buy happiness? There are an increasing number of studies trying to find an answer to this age-old View Post

Miko’s Moments – I Don’t Make Enough Money To Create A Budget

June 10, 2021

Welcome to another new episode of Miko’s Moments. Today, I wanted to talk about a budgeting myth that I believed for way too long. That myth is, “I don’t make enough money to create a View Post

Miko’s Moments – Motivation VS Discipline

June 3, 2021

Welcome to another Miko’s Moments. Today, I wanted to talk about a question I have received a lot lately. How do you stick to your budget after you have created it? How do you stay View Post

Miko’s Moments – The True Cost of Waiting for What You Really Want

May 13, 2021

Have you ever woke up in the morning, looked at your to-do list, and said to yourself, “I’ll just wait to do that tomorrow.” If you are the worst kind of procrastinator, it could be costing you more View Post

Miko’s Moments – Understanding Your Value & Worth

May 6, 2021

Welcome to another Miko’s Moments. Today, I want to talk about your worth, more importantly, your perceived value. During this last week, I took some mental health days. Though I can not go into View Post

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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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