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The Budget Mom

Real Women. Real Life. Real Finance

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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!

If you are looking to bring fun to bath time, these DIY Lego Bath Fizzies are the perfect solution!

These DIY Lego Bath Fizzies Will Make Your Child Want to Take a Bath

March 15, 2018
DIY

When my son was 4, I bought him one of those little Lego building sets. By this age, my son loves building things. He was always pulling things apart and putting things back together. He fell in love View Post

Filed Under: Tagged With: DIY, KID ACTIVITY, KID FRIENDLY

This DIY Headache Balm made with Frankincense, peppermint, and Lavender essential oils works wonders! Get rid of headaches and tension the natural way!

Natural DIY Peppermint and Lavender Headache Balm

March 5, 2018
DIY

The truth is, I never had any intentions of sharing essential oils on my blog. If you would have asked me a few months ago about essential oils, I wouldn't even know what to say. It wasn't until View Post

Filed Under: Tagged With: DIY, ESSENTIAL OILS, NATURAL

One way I am cutting costs and preparing for the joys of Christmas is by making a lot of the decorations myself. There's something magical about turning something ordinary into something special, and there's no better way to display your creations than on your Christmas tree.

10 Affordable DIY Christmas Tree Decorations

November 29, 2017
DIY

Nothing helps you get into the Christmas spirit more than creating it yourself. One way I am cutting costs and preparing for the joys of Christmas is by making a lot of the decorations myself. View Post

Filed Under: Tagged With: DIY, HOLIDAYS, SAVE MONEY

Simple Holiday Gift Tags Printable

Printable Simple Christmas Gift Tags

November 11, 2017
DIY

  Today, I wanted to share these simple, yet cute, Christmas gift tags that I created. I wanted to add a personal touch to my gift wrapping this year, so I designed these. These tags are View Post

Filed Under: Tagged With: CHRISTMAS, DIY, PRINTABLE

Wish your friends and loved ones a merry Christmas and happy New Year with these Simple Printable Holiday Gift Tags.

Printable Jolly Holiday Gift Tags

November 4, 2017
DIY

Today I'm excited to share these Jolly Christmas Gift Tags with you. With my son in school, he has been asking to hand out more and more gifts to friends. With Christmas coming up, I wanted to do View Post

Filed Under: Tagged With: CHRISTMAS, DIY, PRINTABLE

Give this holiday a personal touch by creating these easy and affordable DIY Cotton Ball Snowman Christmas cards!

DIY Cotton Ball Snowman Holiday Cards

October 20, 2017
DIY

One of my favorite things about the holidays is being able to use my creativity to create affordable holiday decor and presents for the family. This year, my son and I decided to use things that we View Post

Filed Under: Tagged With: CHRISTMAS, DIY, HOLIDAYS

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
It’s time for another Real Life Budget. I asked my readers to submit their REAL information. Real spending, real debt, and real savings goals.

I am taking those real-life numbers and showing you how I would organize and budget that information using my Budget By Paycheck® Method.

If you would like to submit your budget information to possibly be picked for a Real Life Budget that we will show on YouTube, please reach out to budgets@thebudgetmom.com.

Today, we are looking at TBM Family member Christina's information. Christina and her husband are on a debt payoff journey and feel like they are not making the progress they should be. For the first time, I am showing how to use a debt reduction calculator to show how your decisions affect your debt journey.

Trust me, if you have debt, you don't want to miss this video!

CHAPTERS:
00:00 Introduction
03:07 Why & Personal Story
06:04 Income 
07:55 Fixed Expenses
09:15 Variable Expenses
10:30 Debt
12:52 Savings Goals
14:26 Budget By Paycheck Method
21:01 Debt Payoff Scenarios & Visuals
32:28 My Recommendations

➡️ DEBT REDUCTION CALCULATOR: https://bit.ly/3ZqqiNO
➡️ 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

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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