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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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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.

RECENT YOUTUBE VIDEO

Ryen & I are talking about our June 2022 budget numbers! Not only do we show where our dollars went, but we also discuss if we stuck to our budget limits.

In this video, we are going over some heavy spending I had in June (thank you, sinking funds!) and Ryen gives an update on her debt payoff timeline. 

What do you do with your budget after the month is over, and you’re ready to begin a new month? Most people don’t realize it, but your spending throughout the month gives you some incredibly helpful information.

One of the first steps to creating and sticking to a realistic budget is tracking your expenses. Your spending is the underlying foundation for creating a budget and ensuring that your budgets in the future are successful.

If you are not aware of where your money is going, you can’t make the best decisions for your dollars. Today, I am going to show you how to extract all of the vital information from your expense trackers using the "Where Did My Money Go?" Worksheets.

CHAPTERS:
00:00 Introduction
09:57 Miko's Budget Category Breakdown
12:46 Miko's Investment & Savings Breakdown
14:21 Miko's Spending Comparison to May 2022
15:10 Ryen's Budget Category Breakdown
17:18 Ryen's Debt & Savings Breakdown
18:22 Ryen's  Spending Comparison to May 2022
19:08 Conclusion


➡️ 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
JUNE 2022 BUDGET RECAP | Budget By Paycheck + Budget Tips
YouTube Video UCqP6K5GNGvQXSI10xNIAkxA_QFxVLJaDXUw
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