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The Budget Mom

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  • BUDGETING
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        • Budgeting Basics
        • Budget Guides
        • Budget Tips
        • Budget Recaps & Overviews
        • 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?

          Most of us have invisible money scripts that hold us back from reaching our financial goals. Learn what the three most common money beliefs are and how you can start taking steps to change them. 

          3 Money Beliefs That Might Be Holding You Back

          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

  • SAVE MORE
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        • Cut Expenses
        • Extra Income
        • Saving Tips
        • 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

          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

          The cost of printer ink can add up quickly, especially if you frequently have to print off documents. These eight steps will help you cut down on the cost of printer ink.

          8 Ways to Save Money on Printer Ink

  • FRUGAL LIVING
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        • Beauty & Health Tips
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        • Family & Money
        • Food & Drink
        • Frugal Living 101
        • Household Tips
        • Holidays & Occasions
        • Kids & Money
        • Forget about a New Year’s Resolution! Try setting a New Year mindset instead. It might not seem like much, but your mindset can make or break your financial goals.

          How to Improve Your Financial Mindset to Achieve Your New Year’s Goals

          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
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        • Credit Cards
        • Credit Report & Score
        • Debt Basics
        • Get Out of Debt
        • Loans, Etc.
        • 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?

          Collection accounts can be stressful, but you can bounce back. Learn how to handle collection accounts and improve your financial picture.

          Has Your Debt Been Sent to Collections? Here Are Your Options.

  • FINANCE 101
        • Categories

        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • 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?

          Just because someone has a large house, luxury vehicle, and brand name clothes, that doesn’t mean that they don’t have money worries.

          What It Means to be “Cash Poor” and How to Avoid It

          The Rule of 72 is a simple mathematical formula you can use to estimate how long it will take to double your investment. Here’s how it works and why it’s essential!

          What is the Rule of 72 and Why Does It Matter?

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

True success is never just about the numbers. It’s also about learning how to manage your emotions, listening to your heart, walking your own path, and figuring out who you really are. A financial journey is a self-discovery journey. One that we all need to embrace.

The Budget Mom’s 9 Steps to Financial Freedom

February 5, 2020
FINANCE 101

In a world that is constantly telling you who you should be, it can be difficult to stay true to who are and forge your own path. Throughout my financial journey, I grew older, developed my own View Post

Filed Under: FINANCE 101, Financial Planning Tagged With: BUDGET BY PAYCHECK METHOD, BUDGET TIPS, FINANCIAL FREEDOM, FREEDOM STEPS, SAVING MONEY

Are you looking for better options when it comes to your savings accounts? Here are some options that might offer you better interest rates.

Tired of Your Normal Savings Account? Try These Instead.

January 27, 2020
SAVE MORE

Are you completing my Savings Challenges in 2020 Course? One of the challenges for February is straightforward, but it can be huge: Save $25 a week. What does it look like for you to save $25 a week? View Post

Filed Under: SAVE MORE, Saving Tips Tagged With: ONLINE SAVINGS ACCOUNT, SAVING MONEY, SAVINGS ACCOUNTS

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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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  • Need Cash Fast? 20 Things In Your Home You Can Sell Right Now
  • How Price Matching Can Help You Achieve Your Savings Goals
  • How to Improve Your Financial Mindset to Achieve Your New Year’s Goals
  • How Can My Child Start Investing?
  • What It Means to be “Cash Poor” and How to Avoid It

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