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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
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        • 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
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        • 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
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        • 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 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

          The Rule of 72 is a simple mathematical formula you can use to estimate how long it will take to double your investment. Here’s how it works and why it’s essential!

          What is the Rule of 72 and Why Does It Matter?

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.

Don't want to waste your tax refund on something you’ll regret? You need a plan before the money hits your bank account. Check out 4 smart ways to use your refund.

4 Smart Ways to Use Your Tax Refund

February 19, 2020
FINANCE 101

This article first appeared on February, 21 2016 and was updated February 19, 2020. Tis the season! Depending on your situation, you probably either love tax time or you dread it like that horrible View Post

Filed Under: FINANCE 101, Tax Tips Tagged With: DEBT, EXTRA INCOME, SAVING, SPENDING, TAX REFUND, TAXES

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.

Are you financially ready to start tackling your collection accounts? When the time is right, here are three smart tips for paying off debts in collection.

3 Tips for Paying Off Debt in Collections

October 2, 2019
DEBT & CREDIT

There’s nothing fun about picking up your phone and hearing a debt collector on the other line. Opening your mailbox to find a pile of collection letters can make your stomach drop too.  But when View Post

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

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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.

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  • How to Improve Your Financial Mindset to Achieve Your New Year’s Goals
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  • What It Means to be “Cash Poor” and How to Avoid It

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