Blog The Budget Mom

Browse hundreds of articles on all things personal finance you weren’t taught in school. As a single mom living in an 800 sq ft apartment with no furniture and making $30,000 per year, I started The Budget Mom to find community as I worked to get my finances... Since then, millions of women all over the world have been able to use the Budget by Paycheck® Method to reach their goals and find financial fulfillment. This mama is so happy you’re here! As you click + scroll my little corner of the web, you’ll find a variety of my favorite things- home finds, organization, casual + comfy mom lifestyle, life hacks & finds for the whole... Don’t worry!

This mama is on a budget, so none of them will break the bank! I promise! And, if you’re looking for real mom life vibes – like the kind with no frills, a home that’s actually lived in, messy buns and a little humor to help you laugh at the... Shop my latest finds, keep up with me on social & get all my mom life inspo + MORE! Get ready to transform your finances with practical advice, inspiring stories, and a whole lot of budgeting brilliance. Budgeting can feel overwhelming at times, right?

You’re juggling bills, savings goals, and trying to squeeze in a little “fun money” without blowing the whole plan. But then along comes The Budget Mom, aka Kumiko Love—a financial educator who’s been there, done that, and paid off all her debt while showing the world how to take control of their finances. Her approach is simple, creative, and highly effective. And the best part? It’s designed for real people with real budgets—not just finance junkies or spreadsheet lovers. Today, we’re diving into how The Budget Mom’s methods can help YOU build a budget, stick to it, and achieve your financial dreams.

Kumiko Love, founder of The Budget Mom, wasn’t always a budgeting guru. At one point, she was a single mom drowning in debt. But instead of giving up, she created her own budgeting system and paid off $77,000 in debt. Her story resonated with millions, and her blog, The Budget Mom, became a go-to resource for people looking to: The Budget by Paycheck® Method has helped millions of women all over the world achieve their goals and find financial fulfillment. You’re next!

The Budget by Paycheck® Method has helped millions of women all over the world achieve their goals and find financial fulfillment. You’re next! There’s a reason why traditional budgeting methods fail. They focus exclusively on the numbers without taking into account the stories of the people behind them. I started my financial journey as a single mom living in an 800 sq ft apartment with no furniture. I tried every budgeting method under the sun, but none of them ever made sense for my real life.

So, I took my pile of unfinished spreadsheets and every lesson I learned along the way and turned them into a real-life approach where nothing is random and every dollar is spoken for. Go from living paycheck to paycheck to telling your money where to go with a proven method that works for YOUR unique life, values, and goals. This is the LAST budgeting system you’ll EVER need to find organization, clarity, and confidence in your finances. No more bending backward to follow rules you don’t understand! your purpose, get motivated and cultivate the right mindset In a world where traditional budgeting is a rigid set of steps that one must follow - or you are a FAILER.

If you followed these steps and still come up short at the end of the month - you didn't fail. Your plan failed you. Are you constantly measuring your success with numbers and feel like you are not making any progress? Does it feel like every time you set up a budget, you only stick to it for a couple of weeks? Budgeting has a tricky way of making you think that if your plan is on paper, it should work. It leaves you feeling like giving up, or maybe budgeting just isn't for you.

So why even try? Budgeting can seem overwhelming when there is so much information out there, but you have no idea where to start. To add the cherry on top, you are being shamed because of how much debt you have or are made to feel guilty based on your spending decisions, even when you have prepared to... Well, I say NO MORE! It's time to start a financial transformation that allows you to live your life NOW while still taking care of your future self. And guess what!

No shame, guilt, or judgment included! Seven different building blocks with 30+ lessons. Each lesson includes step-by-step guidance, motivation, worksheets, assignments, and instructional videos so you can implement each step. I will show you my proven system that has helped over 100,000 people worldwide heal their relationship with money, create a realistic budget that works, pay off debt, and grow their wealth - in... Guilt and shame-free! (Value $400)

Welcome to the TBM FREE Resource Library! Unlock the door to financial empowerment and take control of your money. Dive into our treasure trove of free resources designed to help you master money management, conquer debt, save more, organize and plan your life, and turn your dreams into reality. Be sure to check back frequently, as we are adding more helpful resources! If you're ready to elevate to the next level, take 10% off of our life-changing Budget by Paycheck Workbook with code LIBRARY10.

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