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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!

I developed this craving for fashion and clothes, and it slowly spiraled out of control. With all the new clothes came expensive hair appointments, nail appointments, new shoes, waxing appointments, and tanning sessions.

I Stopped Trying to Be Perfect and My Budget Thanked Me for It

October 19, 2017
Budget Tips

Ever since I was little, I always had this "idea" of the type of woman I wanted to be when I grew up. I used to watch Melanie Griffith in Working Girl with envy, and I thought to myself, "I want to be View Post

Filed Under: Tagged With: BUDGET, MY STORIES, SELF IMPROVEMENT

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: Tagged With: LIFE, MY STORIES

Creating a product to sell to make some extra income is one of the most rewarding ways to make money. This is my journey on creating my first physical product and how I made $500 overnight. Read about how my idea became a reality and about the resources that I used.

How I Created My First Physical Product

November 28, 2016
Extra Income

Last week, I completed one of my yearly goals. I created, and starting selling my first physical product. It took almost seven months to turn an idea that I had in my head into a physical product that View Post

Filed Under: Tagged With: BLOGGING, EXTRA INCOME, GOALS, MY STORIES

How 6 Bank Accounts Changed the Way We Manage Our Money

September 4, 2016
Budget Tips

Over the last 5 years, I have tried every budgeting method out there - the half payment method, the once-a-month method, the cash envelope method, and the list can go on and on. With every method, I View Post

Filed Under: Tagged With: BUDGET, BUDGET TIPS, MONEY, MY STORIES, ORGANIZE

How Spare Change Is Helping Me Teach My Son about Money

July 25, 2016
FRUGAL LIVING

  The other day my 3-year old son said to me, "Mom, you need to go to work so you can get lots of money to get me a new toy," after I told him that we didn't have the money to get a new View Post

Filed Under: Tagged With: KIDS, LIFE, MONEY, MY STORIES

How I Got a $2,500 Custom Computer for under $800

July 20, 2016
Cut Expenses

First, let me start off by saying I am not a tech wiz of any sort. In fact, technology pretty much hates me. So when the laptop I have owned for the last 11 years broke down on me last week, I kinda View Post

Filed Under: Tagged With: CUT EXPENSES, MY STORIES, SAVING

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
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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