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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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Remember, personal finance is, well, personal. This means that there are a lot of factors to consider before deciding whether a personal loan is right for you.

Should I Take Out a Personal Loan to Pay off Credit Card Debt?

June 30, 2022
DEBT & CREDIT

  The average credit card interest rate just hit 16.98 percent, with new offers coming in higher at 18.89 percent. Coupled with inflation and soaring gas prices, these interest rates are beginning to View Post

Filed Under: DEBT & CREDIT, Get Out of Debt, Loans, Etc. Tagged With: DEBT, DEBT CONSOLIDATION, DEBT PAYOFF, PERSONAL LOAN

But what happens if things have already gotten beyond that point? What happens if you’ve missed multiple payments? Here are the next steps to take.

What to Do When Your Credit Card Company Sues You

June 23, 2022
Credit Cards

If you’ve ever missed a credit card payment, you’re not alone. In fact, according to a recent study by WalletHub, an estimated 42 million Americans are expected to miss a credit card payment in 2022 View Post

Filed Under: Credit Cards, DEBT & CREDIT Tagged With: CREDIT CARD, CREDIT CARD DEBT, CREDIT CARD PAYMENT, DEBT, GETTING SUED CREDIT CARD

Debt in Collections: Frequently Asked Questions

August 12, 2021
DEBT & CREDIT

A few months ago, I wrote an article about How to Deal with Debt in Collections that resonated with many readers and resulted in a wide range of follow-up questions. As more and more Americans View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: COLLECTIONS, DEBT, DEBT COLLECTIONS, DEBT TIPS, GET OUT OF DEBT

No matter how they attempt to get in touch with you, dealing with debt collectors can cause stress, but you still need to deal with them. Here’s how.

How to Deal with Debt in Collections

April 14, 2021
DEBT & CREDIT

Sometimes it begins with a single phone call. In other cases, debt collectors begin sending notices via snail mail. No matter how they attempt to get in touch with, dealing with debt collectors can View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: DEBT, DEBT COLLECTIONS, PAYOFF DEBT

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.

July 2, 2020
DEBT & CREDIT

Most people have every intention of repaying the money they borrow. But sometimes, life doesn’t go as planned. You or a loved one might get sick or hurt, making it hard to pay your bills. You could View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: BUDGET TIPS, COLLECTIONS, DEBT, GET OUT OF DEBT

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.

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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

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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