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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

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

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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