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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!

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The TBM Mission

The Budget Mom exists to empower women to build a life they love on a budget they understand and can afford.

Just like you, I am continually trying to learn how to be better at things that matter, like living on less, appreciating what I have, and being the best dang mom that I can be.

I want you to feel hope, inspiration, and confidence as you explore all that TBM® has to offer.

Do you feel overwhelmed with your finances?

If you're like most of my readers, you're a woman who is goal-driven, wanting to tackle your financial life so you can provide a better life for your family. An easier life.

But something keeps getting in the way: There just seems to be too many steps, too much confusing information, so much to do and too little time.

Are you tired of being sick and tired of trying to keep up, but always feeling like you're getting even further behind?

I know how you feel.

I know what it feels like trying to make ends meet when you're paycheck just isn't enough.

To want to make a change for the better, but have no clue on where to start.

I hope to make the process easier by showing you where you can find the most helpful resources on TBM®.

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The Content

I provide simple, easy-to-follow solutions to money management. By giving you the action steps you need to take, I know you will be able to see positive, life-impacting progress.

You can find all of TBM's information broken down into five main categories

  • Budgeting
  • Save More
  • Frugal Living
  • Debt & Credit
  • Finance 101

SAVE MORE

Having a savings plan in place is critical to your financial goals. Find tips on how to save for your next vacation, how to create an emergency savings account, saving for retirement, and how to make saving easier by putting it on autopilot.

READ ARTICLES

BUDGETING

Nothing is more important than setting up a budget. Find tips on how to create a realistic budget, how-to posts that cover different methods, guides on how to stick to your budget, and tips on how to make budgeting easier.

READ ARTICLES

FRUGAL LIVING

I get it. Life can get busy. It's all about finding balance. Find tips and resources that cover all aspects of your life. From recipes to parenting and DIY, plus thoughts on happiness, photography, travel...and everything in between.

READ ARTICLES

DEBT & CREDIT

Carrying debt is like walking around with a massive weight on your shoulders. Find tips on how to pay off your debt once and for all! From how-to posts, debt worksheets, guides, credit report and score tips, and inspiration.

READ ARTICLES

FINANCE 101

Saving for retirement, investing, and financial planning are all important pieces to your overall financial picture. Read about retirement tips, such as saving and strategies. Find helpful information about investing and tips to make sure you have the brightest financial future possible.

READ ARTICLES

Start With The Free Resources

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A course that will teach you how to set up a successful budget using the cash envelope method.

The course includes over 20 different unique cash envelop designs that you can make at home, and you will also get access to over 15 helpful worksheets.

If you are wondering how to start using the budgeting method that has changed my life, this is the first step you need to take!

ENROLL NOW!
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Do you want lifetime access to TBM's free cash envelopes, and 20 other helpful printables?

Whether you are wanting to track your savings goals or pay for your next vacation with cash, my free resources and tools will help you get there!

Don't miss out! I add free resrouces all the time!

The resource library is password protected. Enter your email ONCE and I will send you the password!

GET ACCESS!
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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
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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
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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
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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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My Financial Philosophy

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My Nine Steps To Financial Freedom

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In a world that is constantly telling you who you should be, it can be difficult to stay true to who are and forge your own path.

Throughout my financial journey, I grew older, developed my own ideas, learned hard lessons from failures, and discovered more about myself than I ever thought I would. Completing the steps to financial freedom is easy – the path to self-awareness isn’t.

It’s up to you to do the hard work, to listen to your heart, and know in your gut you are making the right decision for you and your family.

Start With These Articles

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

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How I paid off over $77,000 of debt in less than a year. During my financial journey, telling myself, "it's impossible" was never an option. You have to believe in yourself enough to strive for the unimaginable.

My Debt Story – Accomplishing the Unimaginable

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Sinking funds allow you the freedom to add some fun to your budget. Save a little every month to use at a later date without the feeling of regret or worry.

Sinking Funds – What Are They & How to Use Them

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The most important reason to track your spending is to create financial awareness. If you don't know where your money is going or how you spent it, you can't identify which habits you can change to make your money work for you.

How to Create a Visual Method for Tracking Your Spending

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Having trouble getting your spouse to participate in money conversations? Here are some ways to start working as a team on your budget so you can achieve your financial goals.

What to Do When Your Spouse Won't Participate in a Budget

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Are you wanting to get started with the cash envelope method, but don't know how to start? Here is a detailed step-b-step guide that shows you how to move away from the debit card and into cash spending with your budget!

How to Start Using the Cash Envelope Method

Read More

Start With My Friday Newsletter

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