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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
        • 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

          A wedding is a stressful event for many people because they overextend themselves financially. Learn the six steps you can take to plan a wedding you’ll be proud of on a budget you can afford.

          Wedding Budget 101: Plan for Your Big Day Without Breaking the Bank

  • SAVE MORE
        • Categories

        • Cut Expenses
        • Extra Income
        • Saving Tips
        • 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

          You don’t need a coupon or a limited time offer to get the best price possible. Thanks to price matching, you can get the best price wherever you shop.

          How Price Matching Can Help You Achieve Your Savings Goals

          The cost of printer ink can add up quickly, especially if you frequently have to print off documents. These eight steps will help you cut down on the cost of printer ink.

          8 Ways to Save Money on Printer Ink

  • FRUGAL LIVING
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        • Beauty & Health Tips
        • DIY
        • Family & Money
        • Food & Drink
        • Frugal Living 101
        • Household Tips
        • Holidays & Occasions
        • Kids & Money
        • 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?

          For many people, the holidays are a stressful and expensive time of year. Learn how to host a holiday dinner without blowing your budget this year.

          7 Steps to Hosting a Holiday Dinner on a Budget

  • 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
        • Categories

        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • 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?

          Just because someone has a large house, luxury vehicle, and brand name clothes, that doesn’t mean that they don’t have money worries.

          What It Means to be “Cash Poor” and How to Avoid It

If I could hop in a time machine and go back to see my 20-something-year-old self, here are 10 things I would tell her about debt.

10 Things I Wish I Knew About Debt in My 20s

January 8, 2020
DEBT & CREDIT

I’m not going to lie — life on the other side of debt is amazing. But I can remember a time in the not-so-distant past when I was struggling with debt and financial stress daily. If I could hop in a View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: DEBT, DEBT FREE, GET OUT OF DEBT, PAY OFF DEBT

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.

Student Loan Forgiveness sounds like a dream for those swimming in debt leftover from college but is student loan forgiveness worth it in the long run?

The Truth About Student Loan Forgiveness

July 9, 2019
DEBT & CREDIT

Once we leave behind our days in college and enter the workforce full time, most of us assume we’ll easily be able to pay off our student loans. But when reality sets in, we are finding the job View Post

Filed Under: DEBT & CREDIT, Loans, Etc. Tagged With: DEBT, DEBT FREE, GET OUT OF DEBT, STUDENT LOANS

How I paid off over $77,000 of debt in less than a year. During my financial journey, telling myself, "it's impossible" was never an option. You have to believe in yourself enough to strive for the unimaginable.

My Debt Story – Accomplishing the Unimaginable

January 31, 2019
DEBT & CREDIT

If you are reading this, you are probably thinking to yourself, "This just isn't possible." Today, I hope that my story inspires you to take action in your own debt journey, to feel hope, and to View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: DEBT, DEBT FREE, DEBT FREE INSPIRATION SERIES, PAY OFF DEBT

Welcome to the Debt Free Inspiration Series! This is a great debt payoff story from Nicole Rule. Nicole is the mother of four amazing kids who successfully paid off $100,000 of debt in 26 months.

How This Family Paid Off $100,000 of Debt in 26 Months

May 7, 2018
DEBT & CREDIT

Today, I am sharing the first story in the Debt Free Inspiration Series. This is a great debt payoff story from Nicole Rule from The Greatest Worth. Nicole is the mother of four amazing kids who View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: DEBT FREE, DEBT FREE INSPIRATION SERIES, PAY OFF DEBT

Don't know which debts to pay off first? Use these 16 rules to figure which debts are a priority, so you know exactly where to start.

How to Figure Out Which Debts to Pay First: 16 Rules You Should Know

April 9, 2018
DEBT & CREDIT

This is article one of Part One of the "Conquering Debt Series."  Nothing is more important than developing a long-term strategy when you are dealing with debt problems. A good plan might include View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: CONQUERING DEBT SERIES, DEBT, DEBT FREE, GET OUT OF DEBT

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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  • How Price Matching Can Help You Achieve Your Savings Goals
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  • How Can My Child Start Investing?

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