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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!

Before I started budgeting, I had no Christmas spending plan. I ended every year with more debt. But that’s not the end of my story and it doesn’t have to be yours.

How to Budget for Christmas Gifts

October 15, 2019
FRUGAL LIVING

Christmas is supposed to be a joyful time of year spent with the ones you love. But for a lot of people, Christmas is filled with pressure, debt, and questionable financial decisions. I know what View Post

Filed Under: Tagged With: CHRISTMAS, CHRISTMAS BUDGET, CHRISTMAS GIFTS, HOLIDAY

Are you tired of going into credit card debt during the Christmas holiday? Here is a step-by-step guide on how to set up a working Christmas budget so you can start using cash instead of your card!

How to Budget for a Debt Free Christmas

October 1, 2018
Holidays & Occasions

It's almost October, and we only have a few short months before the biggest spending holiday of the year. One of the things that I financially prepare for every year is Christmas. Before I started View Post

Filed Under: Tagged With: BUDGET, CHRISTMAS, HOLIDAY

Impress everyone at your next holiday celebration with these fantastic Vanilla Sugar Cookies. The perfect addition to any cookie tray, these cut-out cookies keep their shape and are easy to decorate!

The Best Cut-Out Vanilla Sugar Cookies

December 4, 2017
Food & Drink

We are only a few short weeks away from the most cookie-crazy holiday of the year, and I'm sure most of you are knee deep in flour, sugar, and butter right now. I know I am. One of my favorite View Post

Filed Under: Tagged With: CHRISTMAS, COOKIES, DESSERT, HOLIDAYS

Simple Holiday Gift Tags Printable

Printable Simple Christmas Gift Tags

November 11, 2017
DIY

  Today, I wanted to share these simple, yet cute, Christmas gift tags that I created. I wanted to add a personal touch to my gift wrapping this year, so I designed these. These tags are View Post

Filed Under: Tagged With: CHRISTMAS, DIY, PRINTABLE

Wish your friends and loved ones a merry Christmas and happy New Year with these Simple Printable Holiday Gift Tags.

Printable Jolly Holiday Gift Tags

November 4, 2017
DIY

Today I'm excited to share these Jolly Christmas Gift Tags with you. With my son in school, he has been asking to hand out more and more gifts to friends. With Christmas coming up, I wanted to do View Post

Filed Under: Tagged With: CHRISTMAS, DIY, PRINTABLE

Give this holiday a personal touch by creating these easy and affordable DIY Cotton Ball Snowman Christmas cards!

DIY Cotton Ball Snowman Holiday Cards

October 20, 2017
DIY

One of my favorite things about the holidays is being able to use my creativity to create affordable holiday decor and presents for the family. This year, my son and I decided to use things that we View Post

Filed Under: Tagged With: CHRISTMAS, DIY, HOLIDAYS

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.

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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