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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!

Discover the ins and outs of using a HELOC to pay off debt in our comprehensive guide. Uncover the pros, cons, and smart alternatives. Make an informed choice today!

HELOC to Pay Off Debt: Is it a Lifeline or a Trap?

June 1, 2023
DEBT & CREDIT

Imagine the weight of the world on your shoulders, each coin of debt adding to the load. It's daunting, isn't it? The stress, the worry, the sleepless nights—debt can make you feel as though you're View Post

Filed Under: Tagged With: DEBT, DEBT PAYOFF, DEBT TIPS, HELOC, HOME LOAN

Explore the pros and cons of using home equity to pay off debt, including debt consolidation, tax deductions, and the risk of foreclosure. Here’s what to consider.

To Pay Off Debt or Not to Pay Off Debt: The Pros and Cons of Using Home Equity

February 2, 2023
DEBT & CREDIT

Debt can be a heavy burden to bear, and many people are looking for ways to pay it off.  One option that many homeowners consider is using their home equity to pay off their debts. This can include View Post

Filed Under: Tagged With: DEBT PAYOFF, HELOC, HOME EQUITY LINE OF CREDIT, HOME LOAN, PAYING OFF DEBT

Fortunately, there are many first-time home buyer loans and programs that are designed to help people like you enter the housing market. Here’s what to know.

What Are the Financial Options for First Time Home Buyers?

September 22, 2022
DEBT & CREDIT

So… you’re thinking about buying a home. Congratulations! This is one of the most exciting (albeit stressful) times of your life. For most people, the two largest purchases they will ever make are View Post

Filed Under: Tagged With: FIRST HOME, HOME, HOME BUYING, HOME LOAN, HOME PURCHASE, NEW HOME

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

March 18, 2021
FINANCE 101

Buying a home is a rite of passage for every growing family. Taking the leap into homeownership is a daunting task, but knowing what to look for can help protect you in the long-run. After all, View Post

Filed Under: Tagged With: FIRST HOME, HOME, HOME LOAN, HOME OWNERSHIP, HOME PURCHASE

If you own your home, it's an asset. So, it's smart to try to increase its value over time. Check out these tips you can use to build your home equity.

How to Build Equity in Your Home

May 27, 2020
FRUGAL LIVING

A few years ago, I set a big financial goal for myself. I decided to become a homeowner, and to buy my first home in cash. If you follow me on Instagram, you know that earlier this year I was finally View Post

Filed Under: Tagged With: FIRST HOME, HOME LOAN, HOME OWNERSHIP, HOME PURCHASE

Interest rates are historically low. So, is now a good time to refinance your mortgage? Learn how to crunch the numbers and see if a new mortgage makes sense.

Is It a Good Time to Refinance Your Mortgage?

April 8, 2020
DEBT & CREDIT

As I sit down to write this article, federal interest rates are historically low. And although the federal funds rate and mortgage rates aren’t directly tied together, there’s still a good chance that View Post

Filed Under: Tagged With: HOME LOAN, MORTGAGE, REFINANCE, REFINANCING

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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  • Building a College Fund for Kids: Invest in Their Future Today
  • HELOC to Pay Off Debt: Is it a Lifeline or a Trap?
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  • Bounce Back from Fraud: How to Protect Your Family’s Finances and Move Forward

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