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The Budget Mom

Real Women. Real Life. Real Finance

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MENUMENU
  • BUDGETING
        • Categories

        • Budgeting Basics
        • Budget Guides
        • Budget Tips
        • Budget Recaps & Overviews
        • We live in a society that emphasizes spending and budgeting based on income, but what if this isn’t the best mindset to truly build wealth?

          A Closer Look at Spending Based on Income Rather Than Net Worth

          Living on a budget can be as challenging as sticking to a diet or committing to a workout routine. Here are tips to avoid burnout so you can achieve your goals!

          How to Avoid Budget Burnout: 5 Tips to Stay the Course

          When creating a budget, most of us focus on tracking our expenses, but tracking your income is just as important. This includes knowing your starting balance.

          What is Your Starting Balance & Why Does It Matter for Your Budget?

  • SAVE MORE
        • Categories

        • Cut Expenses
        • Extra Income
        • Saving Tips
        • The true cost of a speeding ticket depends on your location, how fast you were driving, and any previous violations. Learn how much you can expect to pay after receiving a speeding ticket.

          Explained: The Surprising True Cost of a Speeding Ticket

          If you’re looking for ways to save, buying second-hand items might be a good idea. These 17 things are better to buy used instead of new.

          17 Things That Are Better to Buy Used Instead of New

          If you need to earn fast cash, selling household items online is the easiest way to do it. Here are 20 things in your home that you can sell right now.

          Need Cash Fast? 20 Things In Your Home You Can Sell Right Now

  • FRUGAL LIVING
        • Categories

        • Beauty & Health Tips
        • DIY
        • Family & Money
        • Food & Drink
        • Frugal Living 101
        • Household Tips
        • Holidays & Occasions
        • Kids & Money
        • Many people consider going to grad school but wonder if it’s worth the financial investment. Here are five questions you should ask yourself before committing to grad school.

          Should I Go to Grad School? 5 Things to Consider First

          It’s not too early to start helping your child build their financial future. If you want to help your child start investing, here are the steps you’ll take to get started.

          How Can My Child Start Investing?

          For many people, the holidays are a stressful and expensive time of year. Learn how to host a holiday dinner without blowing your budget this year.

          7 Steps to Hosting a Holiday Dinner on a Budget

  • DEBT & CREDIT
        • Categories

        • Credit Cards
        • Credit Report & Score
        • Debt Basics
        • Get Out of Debt
        • Loans, Etc.
        • It’s easy to swipe a credit card, but paying it off is an entirely different story. Here’s what you need to know about the true cost of buying on credit.

          Revealed: The Ugly Cost of Buying on Credit

          Should You Buy Your Leased Car?

          Collection accounts can be stressful, but you can bounce back. Learn how to handle collection accounts and improve your financial picture.

          Has Your Debt Been Sent to Collections? Here Are Your Options.

  • FINANCE 101
        • Categories

        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • When it comes to financial boundaries, the consequences of “crossing the line” aren’t as obvious. Adjusting your financial mindset can change everything.

          The Financial Boundaries Mindset that Will Change Your Life

          Many people get pet insurance insurance so they won’t get stuck paying thousands of dollars for an unexpected vet bill. But is pet insurance really worth it?

          Is Pet Insurance Worth It? Here’s What You Need to Know

          Taking the leap into homeownership is a daunting task, but knowing what to look for can help protect you in the long-run. Here are some tips to consider!

          What to Look for When Buying Your First House

Start Here

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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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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

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Every Friday I send you a short helpful email with my popular Friday freebie. Join my 300k+ subscribers!

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