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The Budget Mom

Real Women. Real Life. Real Finance

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  • BUDGETING
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        • Budgeting Basics
        • Budget Guides
        • Budget Tips
        • Budget Recaps & Overviews
        • 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?

          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

  • 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

          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?

  • 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
        • It might be tempting to withdraw investments, especially during times of economic uncertainty. However, most people should avoid touching their investments.

          The ONLY 3 Reasons to Touch Your Investments

          It’s that time of year again! Unfortunately, we’re not talking about the holidays. Now is the time for everyone to file their taxes. Here is what you need to know.

          2021 Tax Season: How to File for Taxes Online

          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?

I love this blueberry pie recipe! The blueberry filling is thick and amazing. When in doubt, bake a pie! Here is a simple blueberry pie recipe that's easy and delicious. Why make things complicated, when they don't need to be. RECIPE | DESSERT | EASY

Simple Blueberry Pie

September 12, 2017
Food & Drink

One of my favorite things to do during the summer is going to Green Bluff, an association of small family farms and food stands. They always have fresh pick-your-own fruit and great activities for my View Post

Filed Under: Food & Drink, FRUGAL LIVING Tagged With: DESSERT, LIFE, RECIPES

Own up to the fact that you have debt. Sit down and develop a game plan for paying it off, accept the choices and determine what you are going to do about it.

8 Tips to Protect Your Marriage While Paying off Debt

April 30, 2017
DEBT & CREDIT

This is a guest post from Barbara Delinsky. A successful marriage and debt - Can it go hand in hand? There are instances of ‘Debt’ spoiling a marital relationship. But, is it impossible? No, View Post

Filed Under: DEBT & CREDIT, Get Out of Debt Tagged With: DEBT, LIFE, MARRIAGE

Stop pointing an invisible finger. If money is causing tension in your relationship, look at how you're communicating about it.

How to Stop Fighting with Your Spouse About Money

February 26, 2017
Family & Money

Do you keep your finances separate or do you combine them when you get married? Most people ask this question in hopes that what they decide will make their finances easier as a couple. The truth is, View Post

Filed Under: Family & Money, FRUGAL LIVING Tagged With: FAMILY, LIFE, MONEY

One of the most painful lessons about life is realizing you don't always get what you want.

The True Cost of Waiting for What You Really Want

January 15, 2017
FINANCE 101

Have you ever woke up in the morning, looked at your to-do list and said to yourself, "I'll just wait to do that tomorrow." If you are the worst kind of procrastinator, it could be costing you more View Post

Filed Under: FINANCE 101, Financial Planning Tagged With: LIFE, MY STORIES

We are all guilty of a few bad habits. Spending money is probably one of them. Here are 3 bad spending habits that are setting you up for failure and how to avoid them.

3 Spending Habits That Are Setting You up for Failure

December 20, 2016
SAVE MORE

There is always a reason why we save too little and have too much debt. People lose their jobs, the economy takes a nose dive, and getting a raise is almost impossible. What people don't realize is View Post

Filed Under: SAVE MORE, Saving Tips Tagged With: LIFE, MONEY, SAVE

Nothing beats a nice hot cup of hot chocolate...until now. Enjoy hot chocolate in a bite size. This recipe is a marshmallow-stuffed chocolate drizzled dessert.

Easy Hot Chocolate Marshmallow Bites

December 18, 2016
Food & Drink

One of my favorite things to do during the cold winter months is to curl up on the couch with a nice warm cup of hot chocolate. As it turns out, my 4-year-old son is also a fan of this as well. On View Post

Filed Under: Food & Drink, FRUGAL LIVING Tagged With: DESSERT, FOOD, LIFE, RECIPES

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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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  • Should I Go to Grad School? 5 Things to Consider First
  • The ONLY 3 Reasons to Touch Your Investments
  • Explained: The Surprising True Cost of a Speeding Ticket
  • How to Avoid Budget Burnout: 5 Tips to Stay the Course
  • 17 Things That Are Better to Buy Used Instead of New

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