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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!

Protect your finances from identity theft with our comprehensive guide on credit freezing. Learn when it's right for you, how to do it, and more. Take control today!

Freeze Your Credit: How It Works and When It’s a Smart Move

April 27, 2023
Credit Report & Score

Ever had that nagging feeling you might be one fraud alert away from being a victim of identity theft?  You're not alone.  It's natural to worry about keeping your financial information safe, View Post

Filed Under: Tagged With: CREDIT, CREDIT FREEZE, CREDIT SCORE

After what feels like forever, you finally pay off your debt. You feel relief until you notice your credit score dropped. What happened – and what can you do?

Why Does Your Credit Score Drop When You Pay Off a Debt?

June 9, 2022
Credit Cards

Imagine this: After what feels like forever, you finally pay off your debt. You know… that debt. Maybe it’s credit card debt that you’ve carried around for years. Perhaps it’s the student loans you View Post

Filed Under: Tagged With: CREDIT, CREDIT CARD DEBT, CREDIT SCORE, DEBT PAYOFF

For the majority of people, having a credit card, taking out a mortgage, and managing a car payment is a normal part of life. To do that, you need a good credit score.

Why Are Credit Scores Important? Do They Actually Matter?

July 1, 2021
Credit Report & Score

There are some financial advisors out there who will tell you to cut up your credit cards and pay for everything in cash. With this approach to finances, a credit score doesn’t matter. Why? Because View Post

Filed Under: Tagged With: CREDIT, CREDIT SCORE

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

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

Today, I am showing you how I use visual financial trackers in my life. I have a lot of these trackers available in my Free Resource Library (https://bit.ly/2PDmTHz), in my TBM Shop (https://bit.ly/42S0DAi), or you can find them over at DebtFreeCharts.com.

CHAPTERS
00:00 Intro
00:37 Why you should use financial trackers
04:37 Savings Goals
08:32 Graphic Tracker for Debt
13:16 Lined Tracker for Debt
20:43 Tips & 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
➡️ HOW TO CLOSE OUT YOUR BUDGET: https://bit.ly/2Uz0UUW

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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Recent Posts

  • Building a College Fund for Kids: Invest in Their Future Today
  • HELOC to Pay Off Debt: Is it a Lifeline or a Trap?
  • Budget Tune-Up: Know When to Adjust Your Limits
  • Freeze Your Credit: How It Works and When It’s a Smart Move
  • Bounce Back from Fraud: How to Protect Your Family’s Finances and Move Forward

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