• Home
  • Start Here
  • Blog
  • Free Resources
  • Shop My Filofax Store
  • Shop TBM
  • Courses

The Budget Mom

Real Women. Real Life. Real Finance

  • Home
  • Products
    • Live Rich Planner
    • Budget By Paycheck
  • Blog
  • FREE RESOURCES
  • COURSES
  • Shop my Filofax store
  • Shop TBM
MENUMENU
  • BUDGETING
        • Categories

        • Budgeting Basics
        • Budget Guides
        • Budget Tips
        • Budget Recaps & Overviews
        • We live in a society that emphasizes spending and budgeting based on income, but what if this isn’t the best mindset to truly build wealth?

          A Closer Look at Spending Based on Income Rather Than Net Worth

          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?

  • SAVE MORE
        • Categories

        • 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
        • Categories

        • 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

          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?

          For many people, the holidays are a stressful and expensive time of year. Learn how to host a holiday dinner without blowing your budget this year.

          7 Steps to Hosting a Holiday Dinner on a Budget

  • DEBT & CREDIT
        • Categories

        • Credit Cards
        • Credit Report & Score
        • Debt Basics
        • Get Out of Debt
        • Loans, Etc.
        • No matter how they attempt to get in touch with you, dealing with debt collectors can cause stress, but you still need to deal with them. Here’s how.

          How to Deal with Debt in Collections

          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?

  • FINANCE 101
        • Categories

        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • When it comes to financial boundaries, the consequences of “crossing the line” aren’t as obvious. Adjusting your financial mindset can change everything.

          The Financial Boundaries Mindset that Will Change Your Life

          Many people get pet insurance insurance so they won’t get stuck paying thousands of dollars for an unexpected vet bill. But is pet insurance really worth it?

          Is Pet Insurance Worth It? Here’s What You Need to Know

          Taking the leap into homeownership is a daunting task, but knowing what to look for can help protect you in the long-run. Here are some tips to consider!

          What to Look for When Buying Your First House

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: SAVE MORE, Saving Tips 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: SAVE MORE, Saving Tips 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: DEBT & CREDIT, Loans, Etc. 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: SAVE MORE, Saving Tips 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: SAVE MORE, Saving Tips 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: SAVE MORE, Saving Tips 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

Free Resource Library

Recent Posts

  • How to Deal with Debt in Collections
  • The Financial Boundaries Mindset that Will Change Your Life
  • Is Pet Insurance Worth It? Here’s What You Need to Know
  • A Closer Look at Spending Based on Income Rather Than Net Worth
  • What to Look for When Buying Your First House

Blog Categories

Amazon Associates Disclosure

The Budget Mom, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

About

  • Home
  • ABOUT TBM
  • Contact
  • Start Here

Important

  • DISCLAIMER
  • PRIVACY POLICY
  • Subscribe

Favorites

  • YouTube
  • Blog
  • Live Rich Planner
  • Budget by Paycheck

Start With My Friday Newsletter

Copyright ©2021, The Budget Mom®
This website contains affiliate links, which means that if you click on a product link, I may receive a commission. This website is a participant in the amazon services llc associates program, an affiliate advertising program where I earn advertising fees by linking to amazon.com.