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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!

Budgeting when you are broke seems impossible. Here is how to set up a budget when you don't make enough money.

Budgeting When You’re Behind on Bills: A Survival Guide

February 9, 2023
Budget Guides

Are you feeling overwhelmed by mounting bills and a tight budget? You're not alone. According to a recent survey, 63% of Americans are living paycheck to paycheck and struggle to make ends View Post

Filed Under: Tagged With: BEHIND ON BILLS, BUDGET, BUDGET GUIDES, BUDGET TIPS, DEBT

How to Set Financial Resolutions And Achieve Them in 2023

December 8, 2022
FRUGAL LIVING

As the new year approaches, many people take the opportunity to reflect on their financial habits and make resolutions to improve them in the coming year. These resolutions can be a great way to set View Post

Filed Under: Tagged With: DEBT, GOALS, HOLIDAYS, NEW YEARS, SAVE MONEY

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: 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: 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: 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: Tagged With: DEBT, DEBT COLLECTIONS, PAYOFF 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
Back on March 1st, I did an Instagram Live all about closing out your budget.

This step and my "Where Did My Money Go?" Worksheets are the two things I get the MOST questions about.

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.

➡️ 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

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  • Budgeting When You’re Behind on Bills: A Survival Guide
  • To Pay Off Debt or Not to Pay Off Debt: The Pros and Cons of Using Home Equity

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