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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!

When will federal loan repayments resume? How can you prepare? What does the extended payment pause mean for millions of borrowers? Read to find out!

Student Loan Repayments for 2022: Everything You Need to Know

December 30, 2021
DEBT & CREDIT

Over 41 million federal student loan borrowers have received much-needed financial relief. Due to the pandemic and its impact on the economic landscape, federal student loan payments were paused in View Post

Filed Under: Tagged With: LOAN REPAYMENT, LOANS, STUDENT LOAN DEBT, STUDENT LOAN REPAYMENT, STUDENT LOANS

The point of refinancing any loan is saving money. If you can refinance and get a lower interest rate on your auto loan, it might help you get out of debt faster.

Should You Refinance Your Auto Loan?

February 19, 2020
DEBT & CREDIT

The best way to purchase a car is to pay cash for a pre-owned vehicle. Paying in cash helps you steer clear of expensive interest charges and other loan fees. When you buy used, especially if you find View Post

Filed Under: Tagged With: AUTO LOAN, LOANS, PAY OFF DEBT, REFINANCE

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

Buying your first home can be exciting. Make sure your finances can handle it by following these eight tips when purchasing your first home.

8 Financial Tips for Buying Your First Home

February 19, 2017
FINANCE 101

Ready to buy your first home? Congratulations! This is an exciting time in your life, but it can also feel very overwhelming. To make it an enjoyable experience, I’ve taken my 17 years as a mortgage View Post

Filed Under: Tagged With: DEBT, LOANS

Are you thinking about refinancing or consolidating your student loans? If you are, there are some things you should know first. We are talking about Federal & Private student loans, the pros and cons, and the things you need to know to make the right decision.

Should You Consolidate Your Student Loans?

October 12, 2016
DEBT & CREDIT

Do you feel crushed by your student loans? Trust me; you are not alone. According to student loan expert Mark Kantrowitz, 7 in 10 seniors will graduate with an average of $37,172 of student debt in View Post

Filed Under: Tagged With: DEBT, LOANS, STUDENT LOANS

Pay your debt off in the shortest amount of time with the debt avalanche method. Click to read how it can also save you the most money on interest!

How to Pay Down Debt Using the Avalanche Method

September 26, 2016
DEBT & CREDIT

  There a thousand different ways you can get into debt, but there are only really two ways to pay it off. The debate on which method to use has been around for a very long time and in my View Post

Filed Under: Tagged With: CREDIT CARDS, DEBT, LOANS

Next Page »

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
Back on March 1st, I did an Instagram Live all about closing out your budget.

This step and my "Where Did My Money Go?" Worksheets are the two things I get the MOST questions about.

What do you do with your budget after the month is over, and you’re ready to begin a new month? Most people don’t realize it, but your spending throughout the month gives you some incredibly helpful information.

One of the first steps to creating and sticking to a realistic budget is tracking your expenses. Your spending is the underlying foundation for creating a budget and ensuring that your budgets in the future are successful.

If you are not aware of where your money is going, you can’t make the best decisions for your dollars.

➡️ 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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