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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!

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

September 10, 2020
Credit Cards

It’s easy to swipe a credit card, but paying it off is an entirely different story. Our society has normalized operating in debt to the point where it’s easy to forget the true cost of buying on View Post

Filed Under: Tagged With: CREDIT CARD DEBT, CREDIT CARDS, INTEREST

When you are trying to get out of debt, getting another credit card just might be the best option you have. A balance transfer from your high-interest cards to a card that offers an introductory 0% APR can save you hundreds of dollars in interest and help you pay off your debt faster.

What Is a Balance Transfer and Is It Right for You?

June 8, 2020
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.

Is one of your financial goals to get out of debt? If so, opening another credit card could be the worst – or best – option you have. Personally, I used this strategy to help me knock out over $26,000 View Post

Filed Under: Tagged With: BALANCE TRANSFERS, CREDIT CARDS, DEBT, 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.

Struggling with high credit card balances? It wasn't easy, but I paid off $26,000 in credit card debt. Here are 3 credit card debt elimination strategies that work.

Dealing With Credit Card Debt When You’re in Over Your Head

November 6, 2019
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.

Credit cards can be convenient tools to help you build your credit rating and make parts of your life more convenient, like booking travel. But credit cards are also easy to abuse. According to View Post

Filed Under: Tagged With: CREDIT CARDS, DEBT, DEBT FREE, GET OUT OF DEBT, PAY OFF 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.

Closing your account after paying off your credit card might seem like a good idea, but it can have negative consequences.

Should You Cancel Your Credit Card After Paying It Off?

July 16, 2018
Credit Cards

Congratulations! You finally paid off your credit card! You worked long and hard, and it has finally happened! Your credit card balance is down to zero! You might be wondering what to do with your View Post

Filed Under: Tagged With: CREDIT CARDS, DEBT MANAGEMENT

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: 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: 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.

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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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