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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!

From interest rates to cosigners, deferments to forgiveness, this article covers everything you need to know about student loans. Here’s what to consider.

How Do Student Loans Work? An Easy-to-Understand Guide

April 21, 2022
DEBT & CREDIT

There’s been a lot of talks lately about student loans and student loan forgiveness programs. To be clear, this is not a political article at all. However, no matter what actions the government takes View Post

Filed Under: Tagged With: COLLEGE, COLLEGE LOANS, LOANS BASICS, PAYING FOR COLLEGE, STUDENT LOANS

When will federal loan repayments resume? How can you prepare? What does the extended payment pause mean for millions of borrowers? Read to find out!

Student Loan Repayments for 2022: Everything You Need to Know

December 30, 2021
DEBT & CREDIT

Over 41 million federal student loan borrowers have received much-needed financial relief. Due to the pandemic and its impact on the economic landscape, federal student loan payments were paused in View Post

Filed Under: Tagged With: LOAN REPAYMENT, LOANS, STUDENT LOAN DEBT, STUDENT LOAN REPAYMENT, STUDENT LOANS

The Basics of College Loans

July 15, 2021
DEBT & CREDIT

Did you experience sticker shock the first time you realized how much it costs to earn your degree? If so, then you’re not alone.  If you choose to attend a public university, you can expect to pay View Post

Filed Under: Tagged With: COLLEGE, COLLEGE SAVINGS, PAYING FOR COLLEGE, STUDENT LOANS, TUITION

Student Loan Forgiveness sounds like a dream for those swimming in debt leftover from college but is student loan forgiveness worth it in the long run?

The Truth About Student Loan Forgiveness

July 9, 2019
DEBT & CREDIT

Once we leave behind our days in college and enter the workforce full time, most of us assume we’ll easily be able to pay off our student loans. But when reality sets in, we are finding the job View Post

Filed Under: Tagged With: DEBT, DEBT FREE, GET OUT OF DEBT, STUDENT LOANS

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.

Are you thinking about refinancing or consolidating your student loans? If you are, there are some things you should know first. We are talking about Federal & Private student loans, the pros and cons, and the things you need to know to make the right decision.

Should You Consolidate Your Student Loans?

October 12, 2016
DEBT & CREDIT

Do you feel crushed by your student loans? Trust me; you are not alone. According to student loan expert Mark Kantrowitz, 7 in 10 seniors will graduate with an average of $37,172 of student debt in View Post

Filed Under: Tagged With: DEBT, LOANS, STUDENT LOANS

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
Back on March 1st, I did an Instagram Live all about closing out your budget.

This step and my "Where Did My Money Go?" Worksheets are the two things I get the MOST questions about.

What do you do with your budget after the month is over, and you’re ready to begin a new month? Most people don’t realize it, but your spending throughout the month gives you some incredibly helpful information.

One of the first steps to creating and sticking to a realistic budget is tracking your expenses. Your spending is the underlying foundation for creating a budget and ensuring that your budgets in the future are successful.

If you are not aware of where your money is going, you can’t make the best decisions for your dollars.

➡️ 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
➡️ HOW TO CLOSE OUT YOUR BUDGET: https://bit.ly/2Uz0UUW

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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