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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!

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: Tagged With: COLLECTIONS, DEBT, GET OUT OF DEBT, PAY OFF DEBT

Sick of being trapped by debt? Trust me, I’ve been there. But I found a way out. In this article I share real strategies for creating a debt payoff plan that works.

How to Choose A Debt Payoff Strategy

September 26, 2019
DEBT & CREDIT

Are you tired of feeling stressed and trapped by debt? Trust me. I’ve been there. I completely understand how you feel.  Thankfully, I found a way out of my debt mess. Below I’ll share a few View Post

Filed Under: Tagged With: AVALANCHE, DEBT, GET OUT OF DEBT, PAY OFF DEBT, SNOWBALL

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: Tagged With: DEBT, DEBT FREE, GET OUT OF DEBT, STUDENT LOANS

Your financial vision board can be the perfect tool for keeping you on track with your spending and saving goals. Seeing is believing, and this continual reminder in your line of sight will keep you motivated and focused on achieving your new reality.

How to Stay Motivated on Your Financial Journey With a Visual Board

April 4, 2019
FINANCE 101

I get asked a lot about how I stay motivated on my financial journey. From paying off over $77,000 of debt to saving to buy my first home with cash, my financial journey can feel long and defeating at View Post

Filed Under: Tagged With: BUDGET, DEBT, FINANCIAL GOALS, GOALS, MOTIVATION, SAVING, TRACKING, VISION BOARD

Need cash now? Are you expecting a significant tax refund? A Refund Anticipation Loan (RAL) promises no fees, no credit checks, and 0% APR - but is it worth the cost?

The Hidden Dangers of Tax Refund Anticipation Loans

March 27, 2019
FINANCE 101

I don’t know about you, but tax season is definitely not my favorite time of the year! W-2 Forms, 1099s, bank statements, mortgage interest documents, childcare records, health care receipts - the View Post

Filed Under: Tagged With: DEBT, LOANS, TAXES

It can be very tempting to liquidate your retirement assets to pay off a big chunk of high-interest debt and wipe the slate clean. The logic SOUNDS good. But, using your retirement money for this purpose may hurt you more than help you.

Should I Pay Off Debt Using Retirement Money?

February 26, 2019
DEBT & CREDIT

Editorial Disclosure

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.

Many people come to a financial crossroad. That moment when you finally realize you have more debt than your budget can handle, and you’re ready to make a change. An immediate change. Like, right now. View Post

Filed Under: Tagged With: DEBT, PAY OFF DEBT, RETIREMENT

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

Today, I am showing you how I use visual financial trackers in my life. I have a lot of these trackers available in my Free Resource Library (https://bit.ly/2PDmTHz), in my TBM Shop (https://bit.ly/42S0DAi), or you can find them over at DebtFreeCharts.com.

CHAPTERS
00:00 Intro
00:37 Why you should use financial trackers
04:37 Savings Goals
08:32 Graphic Tracker for Debt
13:16 Lined Tracker for Debt
20:43 Tips & Recommendations

➡️ 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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