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The Budget Mom

Real Women. Real Life. Real Finance

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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!

Saving money seems like less of a priority when you are working with little income. The truth is, it needs to be a priority. Start by completing one of these saving challenges today!

4 Money Saving Challenges for Small Budgets

July 30, 2020
SAVE MORE

Have you ever started a savings challenge, only to get to week 5 and realize you don't have enough "left-over" money to continue the challenge? Nothing is more frustrating to me than starting View Post

Filed Under: Tagged With: MONEY, SAVE, SAVING GOALS, SAVING MONEY, SAVING TIPS, SAVINGS CHALLENGES

Having an emergency fund is crucial on your financial journey and in life. But, is the $1,000 emergency fund enough to protect your family or should you have more?

Your Emergency Fund: Is $1,000 Really Enough?

March 17, 2020
SAVE MORE

After I had my son, I considered all of life’s potential twists and turns. It became clear to me that I would never feel 100% comfortable with only $1,000 in my emergency savings. With the challenges View Post

Filed Under: Tagged With: EMERGENCY FUND, EMERGENCY SAVINGS, SAVE MONEY, SAVING GOALS, SAVING TIPS

Making my decision to buy my dream home with cash was not a purely financial determination. In my mind it would be more expensive to buy versus rent for my unique situation at this specific time. After running the numbers, I followed my heart.

Why I Decided to Buy My First House With Cash

July 25, 2019
DEBT & CREDIT

Back in November 2018, I announced to the world that I was going be buying my first home with cash. Not just my first home, but my dream and forever home. Since then, I have been documenting my View Post

Filed Under: Tagged With: HOUSE JOURNEY, REAL ESTATE, SAVING GOALS, SAVING MONEY

The goal with the Instant Gratification Wish List is to turn the “Instant” into “Anticipated.” You will become a patient spender, and your budget will thank you for it.

Instant Gratification Wish List: Becoming a Patient Spender

July 17, 2019
SAVE MORE

There’s absolutely no doubt in anyone’s mind that we live in an “instant gratification” society. Everything is at our fingertips just waiting for us to buy it. Movies on demand. Amazon Prime delivery. View Post

Filed Under: Tagged With: SAVE MONEY, SAVING, SAVING GOALS, SAVING TIPS

It's no fun when we have to rely on credit cards or, worse yet, borrowing money from our families to get to the next paycheck. If you want to have money for take care of emergencies, eat out at restaurants, buy a better car, go on vacations, or save for retirement, you will have to figure out a way to spend less and save more.

30+ Ways to Help You Save More Money

July 3, 2019
SAVE MORE

If you want to get beyond having money issues, you will need to learn how to save money. I know it's easier said than done. If you are like the 40 percent of Americans who cannot handle a $400 View Post

Filed Under: Tagged With: SAVE MONEY, SAVING, SAVING GOALS, SAVING TIPS

Are you ready to save in the new year? Let's save more of our dollars by completing a different savings challenge for every month in 2019!

12 Months=12 Savings Challenges: Start Now

December 10, 2018
SAVE MORE

Learning how to save on a regular basis can be hard. But what's even harder is turning saving into a daily habit. Habits aren't formed overnight. In fact, it can take as long as two months for a View Post

Filed Under: Tagged With: SAVING, SAVING GOALS, SAVING MONEY, SAVINGS CHALLENGES

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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