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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!

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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: Credit Cards, DEBT & CREDIT 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: Credit Cards, DEBT & CREDIT 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: Credit Cards, DEBT & CREDIT 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: Credit Cards, Credit Report & Score, DEBT & CREDIT 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: 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.

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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

It's time for another Real Life Budget. We 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.

In this video, I will be showing the real numbers from a reader, Ghofrane. She is a digital marketer and currently lives at home with her mom in Belgium. She is wanting to save enough money and be financially prepared to move out for the first time. For this Real Life Budget, I am breaking down the steps I would take to prepare for that expense! This is also the first Real Life Budget we have shown in Euros.

CHAPTERS:
00:00 Introduction
01:46 WHY & Story
03:53 Income & Pay Schedule
04:19 Fixed Expenses
04:46 Variable Expenses
05:35 Debt Picture
05:46 Savings Goals
06:31 BBP Method
09:04 How to prepare yourself for moving out (mock budget)
13:43 Conclusion

➡️ TRACKING YOUR SPENDING USING THE HIGHLIGHTER METHOD: https://bit.ly/3hZ752b
➡️ GET THE BUDGET BY PAYCHECK WORKBOOK: https://bit.ly/3J7qytp
➡️ 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

I'm the blogger behind https://www.thebudgetmom.com. I have a rambunctious 6-year-old son, live in Washington, and I'm passionate about helping people with money management and personal finance. Let me know what you like to learn more about! Leave me comments and suggestions on my video and let me know!

YOU CAN FIND ME AT:

📝 BLOG: 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/
➡️Free Email Course: https://bit.ly/2UYgNFf
➡️Free Resources: https://bit.ly/2PDmTHz
➡️GET 10% OFF my popular Budget-by-Paycheck Workbook - Coupon Code TBMYOUTUBE https://bit.ly/2CR7U9n
BBP REAL LIFE BUDGET | Belgium + Moving Out Budget
YouTube Video UCqP6K5GNGvQXSI10xNIAkxA_nDiV_AphoO8
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  • How to Budget When Moving Out for the First Time
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  • What Is Considered Financial Abuse and What Are the Signs?

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