The Budget Mom

Hi there! I’m Kumiko, or just call me Miko.

I was tired of living paycheck to paycheck and feeling hopeless. So I paid off $7,500 in credit card debt and became an Accredited Financial Counselor®

I created The Budget Mom to share my knowledge and to keep me accountable as I strive to live a life I love on a budget that I can afford.

Here you will find tips for saving more, spending less, and some ideas on how to make life a little bit easier.

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The Budget Mom's Latest Posts

Should I Pay Off Debt Using Retirement Money?

| March 6, 2019 | 0 Comments
Should I Pay Off Debt Using Retirement Money?

Many people come to a financial crossroad. That moment when you finally realize you have more debt than your budget can handle, and you’re ready to make a change. An immediate change. Like, right now. You want to pay everything off and start fresh, and continuing to make monthly payments feels too slow. Since you’ve […]

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Should You Consolidate Your Debt?

| February 6, 2019 | 0 Comments
Should You Consolidate Your Debt?

If you are wallowing in debt from credit cards, student loans, and medical bills, it probably seems that ads for debt consolidation companies are everywhere. At least you’re very aware of them. They bombard you from every angle with promises to solve your problems, lower your interest rates, and eliminate your debt in one easy […]

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Paying Yourself First: The Saving Rule That Is Helping Me Build Wealth

| January 19, 2018 | 1 Comment
Paying Yourself First: The Saving Rule That Is Helping Me Build Wealth

If you have done your homework, then you have probably read about one of the “golden rules” of finance. Finance experts are telling you to do it, money how-to books are shoving it down your throat, most finance blogs are praising it, but what the heck does it really mean? For the longest time, I […]

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