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The Budget Mom

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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!

One of the most important categories in your budget is an emergency fund. Saving for life's unexpected expenses is one of the most important things you can do if you are trying to pay off debt or are living paycheck-to-paycheck. Here is a step-by-step guide on how to create and build an emergency fund that you can actually stick to.

Saving for the Unexpected: How to Protect Your Family with an Emergency Fund

February 23, 2023
SAVE MORE

Are you tired of constantly feeling stressed and worried about unexpected events in your life? Do you struggle to make ends meet because of unexpected bills or expenses?  If so, it's time to start View Post

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

Discover four money-saving tips to help you stay on budget, reduce food waste, and never overspend at the grocery store again. Try these strategies today!

4 Simple Tricks to Stick to Your Grocery Budget

January 12, 2023
Budget Tips

Are you tired of overspending at the grocery store and watching your hard-earned money go to waste?  With the rising cost of groceries, it's becoming increasingly difficult to stick to a budget. In View Post

Filed Under: Tagged With: BUDGET, BUDGET TIPS, FOOD, FOOD BUDGET, GROCERY BUDGET, SAVE MONEY, SAVING

Learning how to save for retirement when you're self-employed is critical to your long-term financial goals. Here are two options to consider if you're working for yourself.

Self Employed? How to Plan Your Own Retirement

September 29, 2022
FINANCE 101

There are many incredible benefits of being self-employed. For some folks, it’s the convenience of being able to work whenever, wherever they want. For others, it’s the ability to focus on work that View Post

Filed Under: Tagged With: CAREER, RETIREMENT, SAVING

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: 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: 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

Next Page »

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
It’s time for another Real Life Budget. I asked my readers to submit their REAL information. Real spending, real debt, and real savings goals.

I am taking those real-life numbers and showing you how I would organize and budget that information using my Budget By Paycheck® Method.

If you would like to submit your budget information to possibly be picked for a Real Life Budget that we will show on YouTube, please reach out to budgets@thebudgetmom.com.

Today, we are looking at TBM Family member Christina's information. Christina and her husband are on a debt payoff journey and feel like they are not making the progress they should be. For the first time, I am showing how to use a debt reduction calculator to show how your decisions affect your debt journey.

Trust me, if you have debt, you don't want to miss this video!

CHAPTERS:
00:00 Introduction
03:07 Why & Personal Story
06:04 Income 
07:55 Fixed Expenses
09:15 Variable Expenses
10:30 Debt
12:52 Savings Goals
14:26 Budget By Paycheck Method
21:01 Debt Payoff Scenarios & Visuals
32:28 My Recommendations

➡️ DEBT REDUCTION CALCULATOR: https://bit.ly/3ZqqiNO
➡️ 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

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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