My mission here on TBM is to inspire you to live a life you love on a budget you can actually 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.
Where To Start
If this is your first time visiting TBM, welcome! Please know that this site is not all about me. It's about you. If you have some extra time, I'd love for you to get to know me better. You can start by reading about what kind of mom I am and then read about my struggles with perfectionism or my thoughts about finding happiness.
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 like this reader?
"I want to start a budget. I want to get on track. But no matter what I do, my budget always lets me down. When I overspend and go over budget, I have to give up my son's soccer shoes so I can pay for gas. When I make a credit card payment, it feels like a useless waste of time. There's no way I can pay it all off. I'm constantly trying to figure it out, starting one thing and never fully sticking with it."
Does this sound like you?
>> Do you feel like no matter how many times you tried this whole budgeting business, it never works out?
>> Do you fear that you will never be able to provide a life for your kid(s) that is better than your own?
>> Are you tired of being sick and tired of trying to keep up, but always feeling like you're getting even further behind?
If so, you're not alone. I have felt this way. I know many other women who have felt this way.
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.
For years I, too, struggled to figure out this whole "finance" thing. Too often, my success was blindsided by another unexpected expense and unfortunate mishaps at the mall.
As an Accredited Financial Counselor® and someone who has spent the last seven years in the financial industry, and now as a finance blogger, I have learned that there is a way out. That there is more to life than just money. That a life of abundance is not about what you have but how you live.
I have faced the reality that I will always have to deal with personal finance if I want to provide the best life I possibly can for my son. Which sometimes means sacrificing many of my wants.
If you're like me, this means building a healthy relationship with your money, leaning on people for support and encouragement, and putting in the effort to get there!
My Goal In Writing This Blog
My mission here at TheBudgetMom.com is pretty simple -- to show women everywhere that you can live a life you love on a realistic budget.
I do this by providing simple, easy-to-follow solutions to money management, and by sharing ideas on how you can live a more frugal lifestyle - from cooking in the kitchen, saving more of your money, paying off debt, and DIY.
You can find all of TBM's information broken down into five main categories. Budgeting, Save More, Frugal Living, Debt & Credit, and 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.
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.
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.
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.
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.
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You can always email me directly at Kumiko@TheBudgetMom.com. I would love to hear from you!