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        • Budgeting Basics
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        • There are some months that have five Fridays, which might lead to an extra payday for you. How do you plan for an extra paycheck? An extra paycheck, doesn’t always mean you have extra income to spend freely.

          How to Budget an Extra Paycheck in a Month

          Creating a budget when money is tight is hard, but it isn't impossible. No matter what financial situation you’re in currently, there’s a way to make it better. But improving your finances requires change.

          How to Start a Budget When You Live Paycheck to Paycheck

          A Budget Calendar can help you create a realistic budget and organize your finances. When it comes to paying your bills and saving money, a budget calendar is a lifesaver, time saver, stress saver, and a money saver.

          How to Use a Budget Calendar

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        • 25 free summer activities the whole family can enjoy. Make the most of summer without deleting your bank account!

          25 Things to Do for Free This Summer

          You can make some easy money when you know how to sell on Mercari. Here is a step-by-step guide to get you up and running and earning cash.

          What You Need to Know to Sell on Mercari

          How are your finances? What would your world be like if you could earn more than $20 an hour from home -- legitimately? This is a real possibility if you decide to teach for VIPKid.

          Make Money from Home: Teach for VIPKid

  • FRUGAL LIVING
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        • Before I started budgeting, I had no Christmas spending plan. I ended every year with more debt. But that’s not the end of my story and it doesn’t have to be yours.

          How to Budget for Christmas Gifts

          Some people swear by brand names, saying generic brands are inferior. Have you ever compared the ingredients? I have; the results might surprise you.

          How I Save Money Every Month Buying Generic Brands

          A good gift doesn’t mean spending more money. Here are thirteen inexpensive gift ideas for everyone on your list.

          13 Budget-Friendly Gift Ideas

  • DEBT & CREDIT
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        • Credit Cards
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        • Get Out of Debt
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        • A bad credit score is one that costs you money or opportunities. Learn how to improve your credit score in 5 easy steps!

          How to Improve Your Bad Credit Score

          Struggling with high credit card balances? It wasn't easy, but I paid off $26,000 in credit card debt. Here are 3 credit card debt elimination strategies that work.

          Dealing With Credit Card Debt When You’re in Over Your Head

          Are you financially ready to start tackling your collection accounts? When the time is right, here are three smart tips for paying off debts in collection.

          3 Tips for Paying Off Debt in Collections

  • FINANCE 101
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        • Financial Planning
        • Investing
        • Retirement
        • Tax Tips
        • Mutual funds make it easy to invest, however, there are some things you need to know before you invest in mutual funds like ...

          What You Need to Know Before You Invest in Mutual Funds

          You finally have a cushion in your checking account. No what? Here are five things you can do to ensure you have the best plan for your dollars.

          Once You Have $1,000 in Your Checking Account, Do These 5 Things

          We've all heard stories about people who struck it rich buying the right stock low and selling high. Learn how to start investing with little money.

          How to Start Investing with Little Money

The Saver's Credit is an incentive from the IRS for low and moderate-income taxpayers to make retirement contributions to an IRS recognized retirement account. Learn about the restrictions and see if you qualify!

The Saver’s Tax Credit – What Is It and Do You Qualify?

April 11, 2018
FINANCE 101

The Retirement Savings Contribution Credit (aka the Saver's Credit) doesn't give you an enormous tax credit, but it could have its rewards if you are a low-moderate income taxpayer who is working hard View Post

Filed Under: FINANCE 101, Tax Tips Tagged With: SAVE MONEY, TAX CREDIT, TAXES

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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