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The Budget Mom

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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!

There’s a lot of conflicting news about credit, credit cards, and credit scores. These credit myths will cost you money. How many did you believe?

6 Credit Myths That Can Cost You Money

June 16, 2020
Credit Cards

You don’t have to look far to find conflicting information about credit reports, credit scores, credit cards, and similar topics. Unfortunately, believing the wrong credit myths could cost you in View Post

Filed Under: Tagged With: CREDIT REPORT, CREDIT SCORE

Inaccurate information on your credit score can cause negative impacts on your financial journey, especially if you are trying to get better lending terms or interest rates. Here is what you need to look for on your credit report, and how to fix any mistakes.

How to Fix a Mistake on Your Credit Report

May 20, 2020
Credit Report & Score

Everyone makes mistakes, even the credit bureaus. But if Equifax, TransUnion, or Experian put wrong information on one of your credit reports, it can be a big problem. Credit report errors can damage View Post

Filed Under: Tagged With: CREDIT REPORT, CREDIT SCORE

Worried you’ll have to go into debt to build credit? I have great news. Check out four strategies you can use to build credit without taking on new debt.

How to Build Credit Without Going Into Debt

May 5, 2020
Credit Report & Score

How do you build credit or improve your credit score without debt? It's a question that I got a lot after I became debt free at the end of 2018. After paying off over $77,000 of debt, I made the View Post

Filed Under: Tagged With: CREDIT REPORT, CREDIT SCORE

A bad credit score is one that costs you money or opportunities. Learn how to improve your credit score in 5 easy steps!

How to Improve Your Bad Credit Score

November 13, 2019
Credit Report & Score

Editorial Disclosure

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

If you know anything about my story, you know I changed my whole approach to money and budgeting so I could be free from debt. And while becoming debt-free has made my life so much better, that View Post

Filed Under: Tagged With: CREDIT REPORT, CREDIT SCORE, CREDIT UNION

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.

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: 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: Tagged With: CONQUERING DEBT SERIES, CREDIT REPORT, CREDIT SCORE, GET OUT OF DEBT

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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