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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!

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

Wondering how to budget as a single parent? Learn the seven steps to manage your money and improve your financial situation.

Budgeting Tips for Single Parents: 7 Ways to Succeed With Your Money

January 20, 2022
Budget Tips

Single parents have a lot of responsibility resting on their shoulders. And as a single parent, this means it’s even more important for you to come up with a monthly budget. A monthly budget will View Post

Filed Under: Tagged With: BUDGET TIPS, BUDGETING, BUDGETING FOR SINGLE PARENTS, BUDGETING WITH KIDS, SINGLE PARENT, SINGLE PARENT BUDGETING

It’s easy to overspend during the holidays, but it doesn’t have to be that way. These 10 holiday traditions won’t break the bank or cause you to overspend.

10 Holiday Traditions That Won’t Break the Bank

December 9, 2021
FRUGAL LIVING

I love the holidays because you get to spend extra time with family and make memories. Plus, it’s always fun to engage in annual traditions, like decorating the Christmas tree and opening View Post

Filed Under: Tagged With: BUDGETING, CHRISTMAS TRADITIONS, FUN ON A BUDGET, HOLIDAY BUDGET, HOLIDAY TRADITIONS

Wondering whether you should use an app to keep track of your monthly budget? Learn why I use and recommend pen to paper budgeting instead.

Why I Recommend Pen to Paper Budgeting Over Apps

November 4, 2021
BUDGETING

When it comes to budgeting, there are a lot of different mediums you can choose from. Popular apps make budgeting and tracking your expenses simpler than ever.  Many people like to budget using the View Post

Filed Under: Tagged With: BUDGET BASICS, BUDGET BY PAYCHECK METHOD, BUDGET TIPS, BUDGETING

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

March 25, 2021
BUDGETING

  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? Think about it… Your credit card limit is View Post

Filed Under: Tagged With: BUDGET BASICS, BUDGET TIPS, BUDGETING, FINANCIAL PLANNING, SPENDING, SPENDING MONEY

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: Tagged With: BUDGET, BUDGET BASICS, BUDGET TIPS, BUDGETING, STARTING BALANCE

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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.

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.

Diane is a single mom who is a Database Administrator for an IT Department at a local college. She lives in Queens, NY, and eventually wants to move to a lower-cost of living area in the future. 

Diane submitted her information because she is struggling to organize and tackle all of her larger short-term goals.

CHAPTERS:
00:00 Introduction
02:15 Why & Personal Story
04:20 Income 
04:37 Fixed Expenses
05:48 Variable Expenses
06:31 Debt
07:53 Savings Goals
10:18 Budget By Paycheck Method
14:51 My Recommendations

➡️ 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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