• Home
  • GET THE BOOK
  • Start Here
  • Blog
  • Free Resources
  • Shop TBM
  • Courses

The Budget Mom

Real Women. Real Life. Real Finance

  • Home
  • Products
    • Live Rich Planner
    • Budget By Paycheck
  • Blog
  • FREE RESOURCES
  • COURSES
  • GET THE BOOK
  • Shop TBM

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!

We live in a society that emphasizes spending and budgeting based on income, but what if this isn’t the best mindset to truly build wealth?

A Closer Look at Spending Based on Income Rather Than Net Worth

March 25, 2021
BUDGETING

  We live in a society that emphasizes spending and budgeting based on income, but what if this isn’t the best mindset to truly build wealth? Think about it… Your credit card limit is View Post

Filed Under: Tagged With: BUDGET BASICS, BUDGET TIPS, BUDGETING, FINANCIAL PLANNING, SPENDING, SPENDING MONEY

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

They may seem like good decisions at the time, but they could haunt you for the rest of your life.

4 Money Decisions You Will Regret Later

June 11, 2017
FINANCE 101

Editorial Disclosure

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.

Have you ever made a decision, one that seemed like a good idea at the time, only to feel awful about it later? I think we all make these types of decisions in life. After all, it's these kind of View Post

Filed Under: Tagged With: MONEY, SPENDING, STUDENT LOANS

User Generated Content Disclosure

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

If you need more money at the end of the month, reducing your expenses is critical, but it doesn't have to be radical.

4 Little-Known Ways to Cut Expenses When You’re in Debt

March 28, 2017
Cut Expenses

When it comes to cutting expenses, there is a lot of helpful ideas on how to save a few hundred dollars on your monthly bills, but not every idea will work for everyone. If you are considering View Post

Filed Under: Tagged With: BILLS, SAVE, SAVING, SPENDING

Taking charge of your financial life is so much easier with the right budgeting tools. Check out these four free budgeting tools that allow you to track, manage, and plan a budget designed specifically for you.

4 Free Budgeting Tools Everyone Should Know About

October 24, 2016
Budget Tips

  If you know my story, then you know I have a deep love and passion for budgeting. Creating a plan for my financial future was one of the best decisions I have ever made and it all View Post

Filed Under: Tagged With: BUDGET, MONEY, REVIEW, SPENDING

The Ultimate Guide to the Cash Envelope System

July 26, 2016
Budget Guides

If you have researched how to budget, then you probably have heard of the cash envelope method. This method is not new and has been around for a very long time. Even though it's been around awhile, View Post

Filed Under: Tagged With: BUDGET, BUDGET GUIDES, ORGANIZE, PRINTABLE, SPENDING

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.

Diane is a single mom who is a Database Administrator for an IT Department at a local college. She lives in Queens, NY, and eventually wants to move to a lower-cost of living area in the future. 

Diane submitted her information because she is struggling to organize and tackle all of her larger short-term goals.

CHAPTERS:
00:00 Introduction
02:15 Why & Personal Story
04:20 Income 
04:37 Fixed Expenses
05:48 Variable Expenses
06:31 Debt
07:53 Savings Goals
10:18 Budget By Paycheck Method
14:51 My Recommendations

➡️ 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

Soundstripe License Code: LBWMAQPEPWYVFKT3
Load More... Subscribe
Free Resource Library

Recent Posts

  • To Pay Off Debt or Not to Pay Off Debt: The Pros and Cons of Using Home Equity
  • The Secret to Personal Finance I Never Learned About in Business School
  • Don’t Overpay for TV and Internet: How to Shop Around for the Best Deals
  • 4 Simple Tricks to Stick to Your Grocery Budget
  • Celebrate Without Breaking the Bank: How to Save for Special Events

Blog Categories

Amazon Associates Disclosure

The Budget Mom, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

  • Cart
  • Shop Policies

Start With My Friday Newsletter

Every Friday I send you a short helpful email with my popular Friday freebie. Join my 500k+ subscribers!

About

  • Home
  • ABOUT TBM
  • Contact
  • Start Here

Important

  • DISCLAIMER
  • PRIVACY POLICY
  • Subscribe

Favorites

  • YouTube
  • Blog
  • Live Rich Planner
  • Budget by Paycheck

Start With My Friday Newsletter

Copyright ©2023, The Budget Mom®
This website contains affiliate links, which means that if you click on a product link, I may receive a commission. This website is a participant in the amazon services llc associates program, an affiliate advertising program where I earn advertising fees by linking to amazon.com.
  • How financially fulfilled are you? Take this 2 minute quiz to get your score!
    Click Here to Start