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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!

There is no greater joy than giving gifts to your children, but gift-giving can easily be a budget buster. Here’s how to keep expectations in check.

6 Strategies to Set Realistic Expectations for Christmas Gifts

August 25, 2022
Family & Money

It’s no secret that the holidays are one of the most stressful times of the year. From preparing for holiday parties to dealing with bustling airports, it’s no wonder that 1 in 3 Americans experience View Post

Filed Under: Tagged With: BUDGET, GIFT BUDGET, HOLIDAYS, SAVE MORE

Creating and implementing challenges in my life have no doubt led to my success when it comes to saving money and achieving my financial goals. Here are 4 savings challenges you can start today!

4 Savings Challenges for Every Budget

August 18, 2022
SAVE MORE

When was the last time you challenged yourself – and I mean truly challenged yourself? It can be easy to get stuck in our comfort zones. For some people, that means sticking to a routine. For View Post

Filed Under: Tagged With: SAVE MONEY, SAVE MORE, SAVINGS CHALLENGE

It’s easy to let your expenses start creeping up come fall, but it doesn’t have to be that way. Learn eight ways you can cut your costs this fall.

8 Ways to Cut Expenses This Fall

October 7, 2021
Cut Expenses

For most people, one of the most challenging aspects of personal finance is learning how to spend less money. And it’s especially hard once fall gets here, and it’s socially acceptable for most of us View Post

Filed Under: Tagged With: BUDGET TIPS, CUT EXPENSES, FALL, SAVE MORE

Looking for some budget-friendly ways you can improve your self-care routine? Learn six ways you can prioritize self-care without breaking the bank.

How to Improve Your Self-Care Without Breaking the Bank

July 8, 2021
FRUGAL LIVING

You probably already know how important self-care is to your health and mental well-being. But according to one poll, 35% of people don’t prioritize self-care because they believe it’s only an option View Post

Filed Under: Tagged With: SAVE MORE, SAVING TIPS, SELF CARE

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

January 27, 2021
SAVE MORE

If you’re looking to cut back on your expenses, one of the easiest ways to do it is to buy more second-hand items. And for certain items, it just doesn’t make sense to pay full price because the View Post

Filed Under: Tagged With: BUY USED, BUYING USED, SAVE, SAVE MONEY, SAVE MORE, SECOND HAND, THRIFTING

You don’t need a coupon or a limited time offer to get the best price possible. Thanks to price matching, you can get the best price wherever you shop.

How Price Matching Can Help You Achieve Your Savings Goals

January 7, 2021
Cut Expenses

  You don’t necessarily need a coupon or a limited time offer to get the best price possible. Thanks to price matching, you have the opportunity to get the best price regardless of where you View Post

Filed Under: Tagged With: PRICE MATCH, PRICE MATCHING, SAVE MORE, SAVING TIPS

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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