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The Budget Mom

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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!

Budgeting when you are broke seems impossible. Here is how to set up a budget when you don't make enough money.

Budgeting When You’re Behind on Bills: A Survival Guide

February 9, 2023
Budget Guides

Are you feeling overwhelmed by mounting bills and a tight budget? You're not alone. According to a recent survey, 63% of Americans are living paycheck to paycheck and struggle to make ends View Post

Filed Under: Tagged With: BEHIND ON BILLS, BUDGET, BUDGET GUIDES, BUDGET TIPS, DEBT

It’s funny. I graduated with a finance degree, yet knew nothing about personal finance. Although there's no "one-size-fits-all" answer on how to manage your finances, there are things you likely aren't taught about that play a big role in your finances that you can implement today.

The Secret to Personal Finance I Never Learned About in Business School

January 26, 2023
FINANCE 101

It’s funny. I graduated with a finance degree, yet knew nothing about personal finance. Sure, I knew my way around spreadsheets and could maneuver them in my sleep. After all, the backbone of our View Post

Filed Under: Tagged With: BUDGET CATEGORIES, BUDGET ORGANIZATION, BUDGET TIPS, HOW TO BUDGET, PERSONAL FINANCE

Discover four money-saving tips to help you stay on budget, reduce food waste, and never overspend at the grocery store again. Try these strategies today!

4 Simple Tricks to Stick to Your Grocery Budget

January 12, 2023
Budget Tips

Are you tired of overspending at the grocery store and watching your hard-earned money go to waste?  With the rising cost of groceries, it's becoming increasingly difficult to stick to a budget. In View Post

Filed Under: Tagged With: BUDGET, BUDGET TIPS, FOOD, FOOD BUDGET, GROCERY BUDGET, SAVE MONEY, SAVING

While there’s not an exact roadmap to follow for combining finances, there are several principles that can certainly make the process easier. Here’s what to consider.

7 Tips for Combining Finances with Your Partner

December 1, 2022
BUDGETING

Relationships come in many shapes and forms.  From marriage to cohabitation to long-distance relationships, there is no one-size-fits-all when it comes to how you choose to move forward with a View Post

Filed Under: Tagged With: BUDGET TIPS, BUDGETING WITH A PARTNER, BUDGETING WITH A SPOUSE, COMBINING FINANCES

While we can’t control inflation, there are steps you can take to modify your budget. Here are several strategies on how you can adjust your budget accordingly.

How to Adjust Your Budget for Inflation

November 24, 2022
Budget Tips

There’s no nice way to put it: Inflation stinks. Every time inflation rises, your money is worth less than before. Because raises usually don’t keep pace with inflation, this means that your View Post

Filed Under: Tagged With: BUDGET TIPS, BUDGETING FOR INFLATION, INFLATION

What makes inflation so financially damaging is that for most of us, our incomes remain stagnant while costs skyrocket around us. Here’s what you can do!

9 Tips to Adjust Your Budget for Inflation

March 31, 2022
Budget Tips

U.S. inflation reached 7.9% last month, which is a 40 year high and could cost you up to $4,800 a year. This is the largest spike in inflation since the recession of 1982. But that’s not all: the View Post

Filed Under: Tagged With: BUDGET TIPS, BUDGETING, BUDGETING FOR INFLATION, INFLATION, MONEY MANAGEMENT

Next Page »

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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