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The Budget Mom

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  • BUDGETING
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        • Budgeting Basics
        • Budget Guides
        • Budget Tips
        • Budget Recaps & Overviews
        • We live in a society that emphasizes spending and budgeting based on income, but what if this isn’t the best mindset to truly build wealth?

          A Closer Look at Spending Based on Income Rather Than Net Worth

          Living on a budget can be as challenging as sticking to a diet or committing to a workout routine. Here are tips to avoid burnout so you can achieve your goals!

          How to Avoid Budget Burnout: 5 Tips to Stay the Course

          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?

  • SAVE MORE
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        • Cut Expenses
        • Extra Income
        • Saving Tips
        • The true cost of a speeding ticket depends on your location, how fast you were driving, and any previous violations. Learn how much you can expect to pay after receiving a speeding ticket.

          Explained: The Surprising True Cost of a Speeding Ticket

          If you’re looking for ways to save, buying second-hand items might be a good idea. These 17 things are better to buy used instead of new.

          17 Things That Are Better to Buy Used Instead of New

          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

  • FRUGAL LIVING
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        • Beauty & Health Tips
        • DIY
        • Family & Money
        • Food & Drink
        • Frugal Living 101
        • Household Tips
        • Holidays & Occasions
        • Kids & Money
        • Many people consider going to grad school but wonder if it’s worth the financial investment. Here are five questions you should ask yourself before committing to grad school.

          Should I Go to Grad School? 5 Things to Consider First

          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
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        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • When it comes to financial boundaries, the consequences of “crossing the line” aren’t as obvious. Adjusting your financial mindset can change everything.

          The Financial Boundaries Mindset that Will Change Your Life

          Many people get pet insurance insurance so they won’t get stuck paying thousands of dollars for an unexpected vet bill. But is pet insurance really worth it?

          Is Pet Insurance Worth It? Here’s What You Need to Know

          Taking the leap into homeownership is a daunting task, but knowing what to look for can help protect you in the long-run. Here are some tips to consider!

          What to Look for When Buying Your First House

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.

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

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: DEBT & CREDIT, Get Out of Debt Tagged With: AVALANCHE, DEBT, GET OUT OF DEBT, PAY OFF DEBT, SNOWBALL

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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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  • A Closer Look at Spending Based on Income Rather Than Net Worth
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  • “Do I Have Enough” Is A Horrible Mask

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