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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!

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Saving money isn’t doesn't have to mean FOMO. In fact, strategic saving usually leads to the opposite. Here’s how to make the most of your budget.

Sinking Funds vs. Cash Flow: What’s Right for Your Budget?

May 5, 2022
SAVE MORE

Saving money is important, but sometimes it feels impossible to save anything without feeling FOMO (fear of missing out) and like we're depriving ourselves. How do you balance saving money with living View Post

Filed Under: SAVE MORE, Saving Tips Tagged With: CASH FLOW, SAVING MONEY, SAVINGS GOALS, SAVINGS TIPS, SINKING FUNDS

With a sinking fund, you are being intentional about setting aside money every single paycheck (or every single month) to be able to pay for these expenses.

Sinking Funds 101: What Are They? And How Do You Start One?

March 24, 2022
SAVE MORE

Imagine this: it’s time for your annual family vacation.  Maybe it’s a yearly trip to the beach. Or perhaps your family heads out west once a year for skiing and snowboarding. In fact, it View Post

Filed Under: SAVE MORE, Saving Tips Tagged With: SAVING MONEY, SAVING TIPS, SINKING FUNDS

A wedding is a stressful event for many people because they overextend themselves financially. Learn the six steps you can take to plan a wedding you’ll be proud of on a budget you can afford.

Wedding Budget 101: Plan for Your Big Day Without Breaking the Bank

October 8, 2020
Budget Tips

  Your wedding day is supposed to be one of the best days of your life. And maybe that’s why so many people are willing to bury themselves in debt to make it happen. One survey found that View Post

Filed Under: Budget Tips, BUDGETING Tagged With: BUDGET, BUDGET TIPS, SAVING MONEY, WEDDING BUDGET

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

Saving money on food purchases is essential when facing uncertain times or limited income. Here are some of the ways I am saving money on food costs while safe-at-home.

How I’m Saving Money on Food Costs During Quarantine

June 4, 2020
Cut Expenses

While remaining safe at home during quarantine, you may have noticed that it's easier to save in some areas of your budget, and harder in other areas, like your food budget. I always referred to my View Post

Filed Under: Cut Expenses, SAVE MORE, Saving Tips Tagged With: CORONAVIRUS, FOOD BUDGET, MONEY TIPS, SAVING MONEY, SAVING TIPS

When money is tight, every little bit helps. Whether you shop in-store or online, try these cashback apps to keep more money in your wallet.

8 Cashback and Rewards Apps That I Use to Save Money

March 25, 2020
Extra Income

Receiving cashback on items that you already purchase can benefit everybody. As most of you know, during my debt payoff journey, I found different ways to increase my income so I could reach my View Post

Filed Under: Extra Income, SAVE MORE Tagged With: CASH BACK, CASHBACK APPS, REWARDS APPS, SAVING MONEY

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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.

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