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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
        • 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?

          Most of us have invisible money scripts that hold us back from reaching our financial goals. Learn what the three most common money beliefs are and how you can start taking steps to change them. 

          3 Money Beliefs That Might Be Holding You Back

  • 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
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        • 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

          Forget about a New Year’s Resolution! Try setting a New Year mindset instead. It might not seem like much, but your mindset can make or break your financial goals.

          How to Improve Your Financial Mindset to Achieve Your New Year’s Goals

          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?

  • 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
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        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • It might be tempting to withdraw investments, especially during times of economic uncertainty. However, most people should avoid touching their investments.

          The ONLY 3 Reasons to Touch Your Investments

          It’s that time of year again! Unfortunately, we’re not talking about the holidays. Now is the time for everyone to file their taxes. Here is what you need to know.

          2021 Tax Season: How to File for Taxes Online

          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?

Are you needing to find extra money quickly? If you are facing financial troubles, it's important to find solutions that won't make your situation worse.

Need More Money? Options That Could Get You into Trouble.

September 11, 2018
Extra Income

This is article four of Part Two of the "Conquering Debt Series." Read Part One here. When your financial situation becomes severe and you need money quickly, it becomes easier to make decisions View Post

Filed Under: Extra Income, SAVE MORE Tagged With: BORROWING MONEY, CONQUERING DEBT SERIES, DEBT, EXTRA INCOME

Learn about your rights and the ways you can dispute fraud, identity theft, or billing errors on your credit card.

Credit Card Disputes: Understanding Your Rights

July 9, 2018
Credit Cards

This is article three of Part Two of the "Conquering Debt Series." Read Part One here. Have you ever experienced a problem with your credit card bill? Have you ever had mysterious charges, View Post

Filed Under: Credit Cards, DEBT & CREDIT Tagged With: CONQUERING DEBT SERIES, CREDIT CARDS, GET OUT OF DEBT

Are you looking for a new credit card? Here are the types of credit cards you need to avoid!

6 Types of Credit Cards You Need to Avoid

June 20, 2018
Credit Cards

Editorial Disclosure

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.

This is article two of Part Two of the "Conquering Debt Series." Read Part One here. Many people risk their financial freedom by falling victim to credit card debt. Lousy spending choices and life View Post

Filed Under: Credit Cards, DEBT & CREDIT Tagged With: CONQUERING DEBT SERIES, CREDIT CARDS, GET OUT OF DEBT

User Generated Content Disclosure

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Here are eight things you need to know about credit cards to keep yourself protected. Credit card debt can become a problem, make sure you make the best decisions by following these simple tips!

8 Simple Steps to Avoid Credit Card Problems

June 11, 2018
Credit Cards

This is article one of Part Two of the "Conquering Debt Series." Read Part One here. As a rule of thumb, credit card should be considered low-priority debt. However, you may find that credit card View Post

Filed Under: Credit Cards, DEBT & CREDIT Tagged With: CONQUERING DEBT SERIES, CREDIT CARDS, GET OUT OF DEBT

Simple steps you can take to make a bad situation better.

7 Steps to Coping With a Bad Credit Report

June 6, 2018
Credit Report & Score

This is article eight of Part One of the "Conquering Debt Series." Read article seven of Part One here. Have you looked at your credit report recently? If you have, did it confirm your worst View Post

Filed Under: Credit Report & Score, DEBT & CREDIT Tagged With: CONQUERING DEBT SERIES, CREDIT REPORT, CREDIT SCORE, GET OUT OF DEBT

If you have financial issues, you should try to learn the truth about your credit report. Knowing what's in your credit report and how it works will help you understand what you can and cannot do to improve your credit score.

Credit Report Basics You Need to Know About

June 4, 2018
Credit Report & Score

This is article seven of Part One of the "Conquering Debt Series." Read article six of Part One here. If you have financial issues, you should try to learn the truth about your credit report. View Post

Filed Under: Credit Report & Score, DEBT & CREDIT Tagged With: CONQUERING DEBT SERIES, CREDIT REPORT, CREDIT SCORE, GET OUT OF DEBT

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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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  • Should I Go to Grad School? 5 Things to Consider First
  • The ONLY 3 Reasons to Touch Your Investments
  • Explained: The Surprising True Cost of a Speeding Ticket
  • How to Avoid Budget Burnout: 5 Tips to Stay the Course
  • 17 Things That Are Better to Buy Used Instead of New

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