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The Budget Mom

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  • BUDGETING
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        • 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
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        • 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
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        • Beauty & Health Tips
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        • 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
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        • 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
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        • 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

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?

November 25, 2020
BUDGETING

  It all begins with your “starting balance.” When creating a budget, most of us focus on tracking our expenses, but tracking your income is just as important. After all, without having a View Post

Filed Under: BUDGETING, Budgeting Basics Tagged With: BUDGET, BUDGET BASICS, BUDGET TIPS, BUDGETING, STARTING BALANCE

A wedding is a stressful event for many people because they overextend themselves financially. Learn the six steps you can take to plan a wedding you’ll be proud of on a budget you can afford.

Wedding Budget 101: Plan for Your Big Day Without Breaking the Bank

October 8, 2020
Budget Tips

  Your wedding day is supposed to be one of the best days of your life. And maybe that’s why so many people are willing to bury themselves in debt to make it happen. One survey found that View Post

Filed Under: Budget Tips, BUDGETING Tagged With: BUDGET, BUDGET TIPS, SAVING MONEY, WEDDING BUDGET

Moving can be stressful, and you may find it even more stressful to stick to a budget while moving. Here are six tips for sticking to a budget when you're planning your next big move.

6 Steps to Budget for a Big Move

July 16, 2020
Budget Tips

Moving can be stressful for many reasons, including the fact that it can be hard on your budget. It’s hard to anticipate every expense that will come up when you’re planning a big move, and if you View Post

Filed Under: Budget Tips, BUDGETING Tagged With: BUDGET, MOVE, MOVING BUDGET, MOVING OUT

Living on your own comes with new expenses, so you must prepare your finances ahead of time. Independence is a fantastic thing, but enjoying that new freedom can be more expensive than you think. Here is how to prepare your budget for moving out.

How to Budget Moving Out for the First Time

February 25, 2020
Budget Tips

Moving into your own place for the first time can be an exciting step in your life. But before you start looking for furniture ideas on Pinterest or picking out the perfect paint color for your walls, View Post

Filed Under: Budget Tips, BUDGETING Tagged With: BUDGET, MOVE, MOVING OUT

25 free summer activities the whole family can enjoy. Make the most of summer without deleting your bank account!

25 Things to Do for Free This Summer

November 26, 2019
SAVE MORE

When you are working to get out of debt, this often means making hard decisions and cutting out tickets to see a movie, staying away from restaurants, and eliminating any plans to travel. For that View Post

Filed Under: SAVE MORE, Saving Tips Tagged With: BUDGET, FAMILY ACTIVITIES, SUMMER

Creating a budget when money is tight is hard, but it isn't impossible. No matter what financial situation you’re in currently, there’s a way to make it better. But improving your finances requires change.

How to Start a Budget When You Live Paycheck to Paycheck

September 18, 2019
Budget Guides

Having a plan for your money is the most important key to reaching your financial goals. Want to pay down your debt? Need to build an emergency fund to draw on when unexpected expenses come up? Maybe View Post

Filed Under: Budget Guides, BUDGETING Tagged With: BUDGET, BUDGET TIPS, INCOME, PAYCHECK TO PAYCHECK

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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.

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  • The Financial Boundaries Mindset that Will Change Your Life
  • Is Pet Insurance Worth It? Here’s What You Need to Know
  • A Closer Look at Spending Based on Income Rather Than Net Worth
  • What to Look for When Buying Your First House
  • “Do I Have Enough” Is A Horrible Mask

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