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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
        • 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?

          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

  • 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
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        • 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

          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?

  • 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
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        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • It might be tempting to withdraw investments, especially during times of economic uncertainty. However, most people should avoid touching their investments.

          The ONLY 3 Reasons to Touch Your Investments

          It’s that time of year again! Unfortunately, we’re not talking about the holidays. Now is the time for everyone to file their taxes. Here is what you need to know.

          2021 Tax Season: How to File for Taxes Online

          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?

Don't want to waste your tax refund on something you’ll regret? You need a plan before the money hits your bank account. Check out 4 smart ways to use your refund.

4 Smart Ways to Use Your Tax Refund

February 19, 2020
FINANCE 101

This article first appeared on February, 21 2016 and was updated February 19, 2020. Tis the season! Depending on your situation, you probably either love tax time or you dread it like that horrible View Post

Filed Under: FINANCE 101, Tax Tips Tagged With: DEBT, EXTRA INCOME, SAVING, SPENDING, TAX REFUND, TAXES

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

Your financial vision board can be the perfect tool for keeping you on track with your spending and saving goals. Seeing is believing, and this continual reminder in your line of sight will keep you motivated and focused on achieving your new reality.

How to Stay Motivated on Your Financial Journey With a Visual Board

April 4, 2019
FINANCE 101

I get asked a lot about how I stay motivated on my financial journey. From paying off over $77,000 of debt to saving to buy my first home with cash, my financial journey can feel long and defeating at View Post

Filed Under: FINANCE 101, Financial Planning Tagged With: BUDGET, DEBT, FINANCIAL GOALS, GOALS, MOTIVATION, SAVING, TRACKING, VISION BOARD

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

Sinking funds allow you the freedom to add some fun to your budget. Save a little every month to use at a later date without the feeling of regret or worry.

Sinking Funds – What Are They & How to Use Them

October 22, 2018
SAVE MORE

Let's imagine for a second that tomorrow your washer machine breaks. Laundry is piling up, and your anxiety is building wondering how you are going to get caught up. How do you plan on paying for a View Post

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

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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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  • Should I Go to Grad School? 5 Things to Consider First
  • The ONLY 3 Reasons to Touch Your Investments
  • Explained: The Surprising True Cost of a Speeding Ticket
  • How to Avoid Budget Burnout: 5 Tips to Stay the Course
  • 17 Things That Are Better to Buy Used Instead of New

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