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Kumiko Love Top 100 Instagram Photos and Posts

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Most liked photo of Kumiko Love with over 32.2K likes is the following photo

Most liked Instagram photo of Kumiko Love
We have around 101 most liked photos of Kumiko Love with the thumbnails listed below. Click on any of them to view the full image along with its caption, like count, and a button to download the photo.

Kumiko Love Instagram - This is just another reminder that deciding where to put your money matters! ALWAYS research banking fees and interest rates. Here are some banks I do like: 1️⃣ Ally Bank: Currently, I have my emergency savings in their online high-yield savings accounts. You have no over-draft fees, monthly fees, and no minimums. They don't always offer the highest rates, but come close! 2️⃣ Credit Unions: I love credit unions and have both checking and savings with a local credit union! Bigger banks might offer more products, but they aren't worth the member-owned service you get with a credit union. Of course, there might be better options if you travel internationally or need access to a bank nationwide. 3️⃣ I have heard great things about the Discover Cashback Debit checking account but have yet to use it myself. This account has no fees or minimum balance requirements, no-fee check ordering, and fee-free overdraft protection. They also offer over 60,000 free ATMs. What bank do you use and love? #personalfinanceforwomen #bankingawareness #savingmoney #checkingaccount #moneytips #thebudgetmom
Kumiko Love Instagram - Of course, this is not my ENTIRE story. Marrying my best friend, losing my mom, and having a baby are all things that have happened in just the last two years. But these are stepping stones in my journey that have led me to where I am today. One of the quotes that has always stayed with me is: "Every expert was once a beginner." And it wasn't too long ago that I was a beginner with finances and my budget. This financial journey is about starting somewhere and making a step every day to get where you want to be. I am still here, taking those steps in my own life. Thank you for letting me share those steps with you and allowing me to be part of your journey! In the comments, share when you started your financial journey! Mine really started in 2012! #thebudgetmom #tbmfamily #financialjourney #moneyplan #moneymotivation #moneymindset #financialgoals #debtfreegoals #debtfreejourney #personalfinanceforwomen #nojudgementzone #financialfreedom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Kumiko Love Instagram - Discovering your WHY is one of the most important steps on your financial and life journey. As The Budget Mom, I believe it's the foundation of everything. Your WHY is the guiding force that shapes your decisions and fuels your passions. Life is full of changes and challenges, and your WHY will evolve with you. After losing my mom, my sense of purpose shifted dramatically. I realized I could never fill her shoes, but I could carry her torch into the future, honoring her memory by living a life that reflects her values and love. It's okay if your WHY changes—it means you're growing. Each life experience, especially loss, highlights how short life is and how important it is to live it fully. Embrace the changes, let them shape your WHY, and use it to guide you toward a more meaningful and fulfilled life.   When the pain of losing my mom becomes unbearable, and the reality of her being gone is heart-crushing, I remember that she lives through me.  To everyone experiencing change and finding that it redefines your WHY, embrace it and let it happen. XOXO, Miko
Kumiko Love Instagram - Today, I want to celebrate a very special person! It's Ryen's birthday, and I wanted to take the time to acknowledge her impact on my life. I met Ryen at a Starbucks in Spokane Valley in 2020 when she interviewed for my first job posting as my assistant. Before she applied for the position, Ryen was a follower of The Budget Mom. Over 500 people applied for the job, and I conducted over 150 interviews. I followed my mom's advice to hire based on someone's heart and values, and it was the best decision I have ever made for my business. Little did I know back then that Ryen would not just be my assistant but also one of my dearest friends. Ryen is kind, patient, understanding, and funny, and I cherish our daily phone calls. This year marks five years that Ryen has worked for The Budget Mom, taking on every role and becoming absolutely indispensable. Besides ALL the hats she wears (which is totally unfair to her), she has also helped me navigate some of the most significant decisions I have made for my company. Ryen has changed the quality of my life, allowing me to step away and have more freedom and time with my family. I will be forever grateful that we met over four years ago. Happy birthday, my sweet friend. I see you. I appreciate you. I love you. #thebudgetmom #tbmfamily #employeeappreciation
Kumiko Love Instagram - One year. It will never seem real. I love you, mom.
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Kumiko Love Instagram - A message from my heart. Remember what's truly important in this life because it is short. I miss you, mom. #thebudgetmom
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Kumiko Love Instagram - 10 years ago, I went through a McDonalds drive-through and financed a $1.09 ice cream cone. I used my credit card to buy an ice cream cone for my son because I was afraid that my debit card would decline. I didn't even know if I had $2 in my checking account. That's an experience that changed my life. That was the day I decided I was going to fight for something different. A better life with my kids. Today, my life is completely different. After Dante's 9-month checkup and finding out he did not need shots at this appointment, we decided to go out for breakfast. For many, going out to eat on a whim doesn't seem like that big of a deal. For me, it means the world because I remember what my life was like not too long ago. There isn't one day that goes by where I don't think about my life over 10 years ago. There isn't one day when I'm not thankful I found the courage and dedication to change my life for the better. If you are here wanting more from your life, my only advice would be, don't wait! You CAN change your finances and your relationship with money. One of the biggest blessings of starting my debt-free and financial journey is no longer worrying about my finances or wondering if I even have the money to go out with my family. Today, we went out to breakfast, and I didn't HAVE TO put it on my credit card. For me, that will always be a win. Keep fighting. Keep pushing forward! Trust me, it's so worth it. #thebudgetmom #budgetbypaycheck #personalfinance #debtfreegoals #debtfreecommunity #debtfreejourney
Kumiko Love Instagram - On January 14, 2019, I paid off my last debt and became 100% debt free. I’ll never forget how excited I was in that moment. Now, 6 years later, I want to reshare that video—not just to celebrate 6 years of being debt-free, but to reflect on everything I learned WHILE paying off debt and AFTER becoming debt-free.   DURING my debt payoff journey, I learned that: 💡 Every small payment matters. Even when it feels insignificant, every dollar you put toward your goal moves you forward. Those small wins add up. 💡 Setbacks don’t mean failure. I had moments where progress stalled, unexpected bills popped up, or motivation waned. What mattered most wasn’t how fast I moved but that I didn’t give up. 💡 It’s not just about numbers. The most important work happened in my mind. Learning how to manage money, control emotions, and stay disciplined was the real transformation. But AFTER becoming debt-free, I realized: 💡 Debt doesn’t define you. You are more than your mistakes, your financial past, or your current balance. Your journey is about growth, not guilt. 💡 There’s no finish line in personal finance. Paying off debt was a huge goal, but it didn’t mean I was done. Life kept going, and so did my financial journey—learning to invest, build wealth, and spend mindfully. 💡 Freedom looks different than you think. I thought becoming debt-free would erase all my stress, but true freedom isn’t just financial—it’s how you live, how you feel, and what you prioritize. If you’re in the middle of your debt journey, I want you to know this: 👉 Every small step matters. Every setback is part of the process. And when you become debt-free, it won’t be the end—it’ll be the start of something greater. 5 years later, I’m still learning. Still growing. Still applying the lessons I learned on my journey five years ago.  Thank you to my entire #tbmfamily for being on this journey with me!  If you’re on a debt-free journey, too, drop a 💪in the comments! And if you found this helpful, follow @thebudgetmom for more real-life debt and budgeting tips. 💬✨ #DebtFreeJourney #DebtFreeCommunity #FinancialFreedom #MoneyMatters #KeepGoing #PersonalFinance #MoneyMindset #PayOffDebt
Kumiko Love Instagram - Two years of marriage has taught us that the key to successfully managing money together is simple: communication and doing what works for us. 💬💰 There’s no one-size-fits-all approach when it comes to finances, but talking openly about our goals, being transparent about our spending, and finding a system that fits our relationship has made all the difference. It’s not about perfection. It’s about progress and working as a team every step of the way. 💪 Happy anniversary to my amazing husband—here’s to many more years of love and teamwork! 💖 What’s your biggest lesson in managing money with a partner?   #MarriageAndMoney #Teamwork #FinancialGoals
Kumiko Love Instagram - Comment 100ENVELOPE and I will send you this super cute 100 Envelope Savings Challenge Kit! The 100 envelope savings challenge involves numbering 100 envelopes from 1 to 100.  Each day or when you have extra cash, you randomly pick one envelope and put an amount of money equal to the envelope's number inside (e.g., $1 in envelope 1, $2 in envelope 2). Over time, you'll save a total of $5,050. The 100 envelope savings challenge is not just about saving money; it's about making it fun and engaging. It's like a game where you get to see your savings grow! It encourages consistent saving habits, helps build a substantial emergency fund, and provides a sense of accomplishment as you see your savings grow. Plus, the random daily amounts make it manageable and flexible, accommodating different budgets. I have wanted to start this challenge for a long time, and I am so excited to finally start. Some of my envelopes are already stuffed with cash! Do you have any questions about this savings challenge #savingschallenge #savemoney #savinggoals #savingsgoals #savemoneytips #savingmoney #100envelopesavingschallenge #savingstips #savemoneytime
Kumiko Love Instagram - I started running to combat emotional spending over 12 years ago. Today, I run to reconnect with my body after having a C-section 13 months ago. I run so my children can meet me at the finish line and know they can do anything. I run so I can practice believing in myself and build my confidence. I run so I can grieve my mom. I run so I can feel at peace. Here's to 10 miles today! 💪👏
Kumiko Love Instagram - This year, we decided to go back to doing pre-orders. That means you can order the new Budget By Paycheck® workbook on AUGUST 20TH, but they won't start shipping until SEPTEMBER 20TH. Why do we do pre-orders? The Budget Mom is a small business with only a few employees. Due to the HUGE influx of orders for our BBP launches, our small team needs time to package and prepare orders. We will be offering a brand new SMALL SIZE this year (with binding 8 3/4 inches wide X 9 1/2 inches tall), which will be $44. Our full size (with binding 10 inches wide x 11 inches tall) will be $48. Due to the popularity and high demand for our BBP workbooks, we can't guarantee stock for our launches! #thebudgetmom #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbycheck #budgetplanner Do you like the new changes to the BBP® Workbook?
Kumiko Love Instagram - This weekend, our baby boy turned ONE. It's hard to believe we have a toddler when I feel like we just brought him home from the hospital. Around January, I started saving all leftover cash from my variable spending envelopes for his birthday. The amounts were sporadic, but I saved around $400 by the end of June. Chris also bought some of the cutest baseball decorations and keepsakes for our Rookie of the Year-themed party, like a custom wood bat, ball, and jersey. So cute! The decoration costs included things like the highchair garland, backdrop and balloon arch, cake topper, and 12-month photo board. The biggest expense for food was the grocery haul for the BBQ. We went with hotdogs, hamburgers, chips, and potato salad. I baked and decorated the sugar cookies, smash cake, and cupcakes. The largest present we got Dante was an electric ride-on tractor that cost around $200. If we hadn't already saved the money, we would have never spent so much on a birthday. I am so grateful I learned how to use sinking funds and that I could give my baby boy the best FIRST birthday without guilt. What has been your favorite birthday theme? I did a dinosaur theme for James's first birthday and LOVED it! #Budgeting #MoneyExpert #FinancialTips #FirstBirthday #BirthdayBudget #SinkingFunds #BudgetingHacks #MoneyManagement #FamilyFinance #SmartSpending #FrugalLiving #PersonalFinance
Kumiko Love Instagram - An expensive flank steak and over $300 later, I finished meal planning, prepping, and grocery shopping. I'm making four recipes next week with a plan to have one leftover day. For the past six months, I have tried desperately to keep my food budget at $600/mo. Today, I've realized I will have to increase it by $100/mo starting next month. That means another area of my budget will decrease. You are constantly making tradeoff decisions with your dollars, even when you don't realize it. You spend less in one area so you can spend more in another. Have you had to increase your food budget lately? It absolutely sucks! 😡 On the bright side, my meals are planned and ready to go! #mealplanning #budgetgoals #mealplan #mealprep #groceryshopping #grocerybudget #foodbudget #budgeting101
Kumiko Love Instagram - 🎄 Christmas may feel far away, but it’s only 43 weeks away! If you start saving now, you could have: 💰 $5 per week = $215 💰 $10 per week = $430 💰 $20 per week = $860 💰 $50 per week = $2,150 A little planning now means a stress-free holiday later! 🎁✨ #ChristmasSavings #HolidayBudget #thebudgetmom Have you started saving for Christmas??
Kumiko Love Instagram - I have had the same $500/mo food budget for years, mostly because I was in denial that I would need to spend more in this category. After months of recognizing patterns and coming to the realization that my food budget was just not working with today's prices, I decided to pivot and shift. In an article for CBS News, I read that food prices are 25% higher now than in January 2020. If I used that math, I would increase my food budget to $625. But that doesn't include an older boy who is now a preteen eating WAY MORE, and our decision to eat a little healthier. For the past three months, I have spent around $800-$900/mo on food, including eating out and grocery shopping (Chris pays for much of our eating out). So, I increased our food budget to $900/mo going forward. I still need to make some more permanent tweaks to my budget, but at least April is mapped out and finalized, and that feels really good.  Anyone else have to increase their food budget?! #foodbudget #budgeting #personalfinanceforwomen #budgetbypaycheck #thebudgetmom #grocerybudget
Kumiko Love Instagram - Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! I bought the small binder from Amazon. It's A5 and linked in my Amazon shop. See the link in my bio. Here are the savings goals I'm saving for in cash in April: Husband's Bday - $67 4th of July - $17 James Bday - $58 Back-to-School - $8 Christmas - $182 Valentines - $8 Wedding Anniversary - $13 Sports - $15 What you decide to save depends on your financial situation and goals. Since I am debt-free, I can dedicate more of my income to saving for the future! #savingsgoals #cashsavings #moneygoals #thebudgetmom #financialgoals
Kumiko Love Instagram - The lesson: Believe in yourself more! It took me five years to overcome my fear of running in my first official race (besides Bloomsday), but I finally did it! I finished my first 10k! I have run longer distances in the past, but it's always been treadmill running. I was scared of the weather, the natural incline, and everything I could not control off the treadmill.  I wish I had believed in myself more and signed up for the half marathon. I felt extremely strong passing the finish line, and I knew I had it in me to do the additional miles. At mile 4, I had my fastest mile ever: 9.29. I have always been a slow runner. Usually, I run a 12-13-minute mile, but yesterday, I finished with a time of 1:10:12. I'm proud of this! The best part was seeing my husband and son waiting for me as I crossed the finish line and running this race for my mom (which I will continue to do for every race in the future).  When I got tired or started to doubt myself, I placed my hand over my heart, right where I placed my mom's photo button. I found strength in knowing she was there with me. Next time, I will believe in myself more and sign up for the half marathon next year. Until then, I want to have fun and practice doing more 10K runs! #yesyoucan #runningmakesmehappy #believeinyourself #first10k #ididthat #foryoumom #irunformymom
Kumiko Love Instagram - If you want to pay off debt, you can't just make the payments. You have to do the hard work to understand your debt story. You have to be ready to face hard truths and correct spending habits and patterns. You have to be willing to learn more about yourself because it's a lifestyle change and CHOICE. Your debt picture won't change long-term until you can do the self-discovery work. #thebudgetmom #debtfreegoals #debtfreecommunity #debtfreedom #debtfreejourney #payingoffdebt
Kumiko Love Instagram - Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! Here are the savings goals I saved for in cash for March: Husband's Bday - $67 4th of July - $17 James Bday - $58 Back-to-School - $8 Christmas - $182 Valentines - $8 Wedding Anniversary - $13 Sports - $15 What you decide to save for depends on your financial situation and goals. Since I am debt-free, I can dedicate more of my income to saving for the future! #savingsgoals #cashsavings #moneygoals #thebudgetmom #financialgoals #savemoney #savingstips #savemoneychallenge #moneyplan #personalfinanceforwomen
Kumiko Love Instagram - If you want to be prepared for an upcoming holiday or expense, start now and with what you can—even if it's $10/mo. For example, if you save $25/mo for the rest of 2024, you will have $250 for Christmas. If you save $50/mo, you will have $500! That's better than $0. When you know you have a holiday, event, or expense in the future, start saving as early as possible. Give yourself as much time as you can to prepare. Heck, start saving for Valentine's Day in 2025. I have! I have a holiday goal of $2,000, which includes Christmas and Black Friday shopping. I started saving for this goal in January and I am saving $182/mo to reach my goal by November 2024. Plan, prepare, and save! #moneygoals #sinkingfunds #thebudgetmom #savingmoney #savingtips #savingsgoals
Kumiko Love Instagram - Was I the only one excited about the Facebook & Instagram outages? A social media break is always a good thing. 😊 #thebudgetmom
Kumiko Love Instagram - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Kumiko Love Instagram - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Kumiko Love Instagram - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Kumiko Love Instagram - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Kumiko Love Instagram - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Kumiko Love Instagram - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Kumiko Love Instagram - The Budget by Paycheck Method was created after my failed attempts at budgeting. For the longest time, I thought I was a failure. It took me awhile to understand that I wasn’t a failure, the systems and methods I was using were failing me. They weren’t for me and that’s okay. I made it my mission to find something that clicked. I took parts of other budgeting methods that worked, and added them to my budgeting process. Here are the steps to the BBP Method: 1. Find your why- Why are you on this financial journey? 2. Track spending- Bring financial awareness into your life. This is realizing your true spending and where your dollars go month to month. 3. Identify regular bills- What bills do you HAVE to pay each month? These include things like rent, utilities, minimum debt payments, etc. 4. Cash envelopes- This is where you also identify your variable expenses or those expenses that fluctuate each month. Once they're identified, you set a realistic amount on how much you want to spend on each of those categories. 5. Budget calendar- When you think about your budget, it's easy to remember your bills, but what about all of the other life events that cost money? Your budget calendar will be your guiding light when planning out your paychecks. 6. Prioritize savings goals- Figure out what matters most to you and tackle your goals in order of importance. 7. Create a debt plan- Are you wanting to pay off the lowest balances first? Or those with the highest interest rate? 8. Paycheck budget tracker- This is where you map out each paycheck and figure out what paycheck will pay what bills. 9. Tweak and perfect- Remember, the first budget you create isn't set in stone. Tweak and perfect what might not work for you. Although this method and process might seem overwhelming, tackling one step at a time will set you up in the best way. Remember, your financial journey isn't only about the numbers. It's also about learning about yourself and why you spend money the way you do. If you're looking for where to start, be sure to click the link in my bio to access my free budgeting course. Raise your hand if you use the Budget by Paycheck Method! 🙋‍♀️
Kumiko Love Instagram - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Kumiko Love Instagram - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Kumiko Love Instagram - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Kumiko Love Instagram - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Kumiko Love Instagram - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Kumiko Love Instagram - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Kumiko Love Instagram - Welcome to my March budget! The joint checking account for baby spending and expenses has worked great for Chris and me! We do our finances separately for the most part, but we do have savings goals and spending together. Dante's $250/mo 529 College Investment Account contribution comes from our joint checking account and is not shown in my fixed expenses.  If you are in a relationship, the way you manage your finances as a partnership is up to YOU. It doesn't matter what anyone else thinks. The same can be said about your budget and spending. YOU DO YOU! Has anyone else finished their March budget and is ready to tackle the new month?!!! #thebudgetmom #budgetwithme #budgettips #budgetgoals #budgetbypaycheckworkbook #budgetbypaycheck #budgetbypaycheckmethod #budgetingforbeginners #personalfinanceforwomen #financialfreedom #wednesdaymotivation #budgetplanner #budgetmum
Kumiko Love Instagram - Before I create my budget, there is one thing I never skip and always do. I create a roadmap for my spending. So, let's talk about why I create a budget calendar and what things I always put on it. Creating a calendar is an excellent reminder that a budget is not for paying the bills. Completing this step before planning your spending on a budget ensures you are prepared and ready for REAL LIFE. You are less likely to forget expenses that are coming up. I always include the following things: #1) Fixed Expenses or my bills. This is helpful because I can use different highlighter colors to identify what bills I am paying for different paychecks. For example, highlight all of the bills you are paying with your first paycheck in blue. Highlight all of the bills you are paying for your second paycheck in yellow. #2) Events. If you have an event like your kid's soccer game, a work lunch, or dinner with friends, write it down and what you plan to spend. #3) Reminders. I like to write down things that could affect my budget, such as meal planning, setting up a vet appointment for one of my dogs, or needing to call and schedule a doctor's appointment. #4) Holidays. Hopefully, you are prepared for holiday spending with sinking funds, but if you aren't, keep track of the holidays and write down a dedicated budget for each. #5)Appointments. Don't forget copays, medical expenses, or beauty appointments. #6) Travel. I always like to mark down my traveling days with my estimated vacation budget. This is helpful because it will affect other areas of my budget, like grocery spending. Your budget calendar is your real-life spending roadmap. If you plan on spending money on something, it should be on your calendar!! #thebudgetmom #budget #budgettips #budgetbypaycheck #budgetbypaycheckmethod #budgetbypaycheckworkbook #budgeting101 #budgetingforbeginners
Kumiko Love Instagram - I use debt. I don't have debt. There's a difference. Having debt means owing money, carrying a balance, and paying interest. "Using" debt means using it for beneficial gain while paying off the balance before interest kicks in. I often get asked how I maintain a credit score above 800 without having debt. It's because I use debt, and I don't have debt. I use a personal & business credit card, and then I pay it off every month before any interest kicks in or accumulates. I don't use my Venture One personal card very often, but I use my Spark Business card every single month. In fact, every business expense gets put on the business credit card, and then I always pay off the entire statement balance by the due date. The credit card rewards that I have earned are paying for plane tickets to Arizona and Cabo and part of my Switzerland trip this year. I am not spending more to get the rewards; I am simply getting the rewards for things I would need to purchase anyway. It took me years to trust myself enough to use credit cards after becoming debt-free in 2019. I had to have enough confidence in my ability to use them responsibly. DO NOT USE CREDIT CARDS OR ANY OTHER FORM OF DEBT UNLESS YOU CAN PAY IT OFF EVERY MONTH OR USE DEBT RESPONSIBLY!!! It is possible to USE debt and not HAVE debt. It took me a really long time to realize this. What do you think? Do you think the rewards make using credit cards worth it? Or do you think credit cards are a trap? #thebudgetmom #debtfreecommunity #debtfreegoals #debtfreejourney #debtfreedom #payoffdebt #creditcardtips #creditcardrewards #debtpayoff #moneygoals
Kumiko Love Instagram - When my therapist asked me this question, it changed everything for me. Here's why. I had to stop valuing my worth in achievements and learn that I am more than my accomplishments. I could have answered with: I am Kumiko Love, a national bestselling author, owner of a multi-million dollar company, creator of a successful natural skin-care business, blah, blah, blah. Does this mean I am not super proud of what I have accomplished? No. It means I realized my worth is not tied to just those accomplishments. After much thought, here was my answer to her question: 🩷 I am married to my best friend, who gives me ultimate support. 🩷 I am an honored boy mom to a 12-year-old and 7-month-old. 🩷 I cherish my friendships because they are my family. 🩷 I practice kindness and compassion every day. 🩷 I love to help people. 🩷 I develop new passions easily. 🩷 I love a clean and organized environment. 🩷 I cherish every single moment I am here. I don't know about you, but I would rather leave this earth and be remembered for those things. List two things that tell me who you are without listing any of your accomplishments. Trust me; you will see yourself differently after doing this exercise! #thebudgetmom #selflove #selfworth #selfempowerment #moneymotivation #tbmfamily #momboss #entrepreneurmindset #humbleyourself #whatreallymatters #selfesteemtips
Kumiko Love Instagram - Why is tracking your spending so important?? YOU CAN'T CHANGE WHAT YOU DON'T KNOW. Furthermore, you can't improve if you don't know where you are starting. Everyone's spending will look different because everyone has different goals, values, and life events. With a clear understanding of your spending habits, it can be easier to make informed decisions and meet your financial goals. Tracking your spending helps you identify areas where you may be spending more than you should, helping you curb unnecessary expenses. It allows you to reduce non-essential purchases and focus on what's important to you. Here are some other HUGE benefits of tracking your spending: Debt management: By tracking your expenses, you can identify opportunities to allocate more funds towards debt repayment, tackle high-interest debt first, and make informed decisions that lead to financial stability. Saving and investing: You can identify areas where you can save more or invest wisely. Tracking spending helps you set realistic savings goals, contribute to retirement accounts, and invest in assets that can grow your wealth over time. Financial awareness and control: Tracking your spending promotes financial awareness and control. You become more conscious of your financial decisions, avoid impulsive purchases, and make informed choices about how you want to use your money. This awareness and control lead to better financial well-being and the ability to build wealth over time. Have you discovered any surprising spending patterns through tracking your spending? #budgeting #financialplanning #personalfinance #moneymanagement #spendingtracker #budgettips #financialfreedom #savemoney #financialgoals #moneytracking #moneytips #budgeting101 #debtfreejourney  #financialwellness  #budgetplanning #frugalliving #financialhabits #smartspending #moneysavingtips #financialawareness #thebudgetmom #budgetmom
Kumiko Love Instagram - Yep. I'm not going to pretend that I'm out here saving hundreds on groceries by clipping coupons or signing up for rewards programs. Do those things help? Absolutely! But the truth is... Groceries are expensive. Period. Your diet restrictions, where you live, and your family size all play a roll on how much you will spend on groceries. That's why I never say "you should be spending XYZ" on groceries. There is no baseline or magic amount that you "should" be spending. Find deals and coupons where you can. Either online or store flyers. Also, sign up for loyalty programs. Shop your pantry, fridge, and freezer first. Your home should always be your first grocery store. Earn cash back for things you already buy with apps like Fetch Rewards (see my highlight bubble for more information). Have a plan and grocery list, and stick to them. Use grocery pickup to help with impulse purchases and temptations. Oh, don't be like me, and forget your grocery bags in the back of your car. I remembered for this trip! And then... You still have moments like this. It's just the truth. Create that checking account cushion and that miscellaneous spending category in your budget for weeks where things are a little more expensive than you planned. Life happens. Give yourself grace to do better next time!🫶 #thebudgetmom #groceryshopping #groceryhaul #budgetlife #reallifemom #mealplanning #grocerybudget
Kumiko Love Instagram - Comment TBMWALLET and I will send you a link to our new wallet organizers!! After a year, I am finally able to share the wallet I have been using with the world! I LOVE how many pockets this wallet has: the zip enclosure for change, multiple card slots, large pockets for spending trackers or recipes, a pen holder, and, of course, the 6-ring binder to hold my cash envelopes! For the launch of the new TBM Wallets, we have added an exclusive set of cash envelopes made from the same material as our indestructible ship-to-your-door sets! The envelopes will be hole-punched to fit the wallet and accompanied by matching spending trackers! For more information, comment TBMWALLET and I will send you the link.! #thebudgetmom #budgetbypaycheck #cashenvelopemethod #cashenvelopes #walletforwomen #cashenvelopewallet #walletorganizer #cashspender
Kumiko Love Instagram - Yesterday, I received a message asking, "When I set goals, I dream too big, and then I get discouraged knowing that I will probably never reach my dreams in my lifetime. How do you dream big without feeling defeated or discouraged, knowing you will never get there?" When I stopped telling myself I would never have something and removed the word "impossible" from my vocabulary, I had a very different mindset about dreaming big. You can dream big and find balance with reality. You will never have the opportunity to surprise yourself if you never take action. You can never look beyond your current circumstances unless you have big dreams. If you haven't already, I suggest you create a vision board. I bought my board from Amazon, and I like to fill it with pictures and aspirations. When you create a vision board, you are externalizing your intentions and creating a tangible reminder of what you are working towards. It can help you clarify your goals, keep you focused on your aspirations, and motivate you to take action towards achieving them. Don't just fill it with the things you want. Print out pictures that make you feel good, give you hope, and motivate you. Let it be a source of inspiration—a constant reminder of where you are heading and the life you want to live. I have found that promoting visualization in my life is a key component of my success. It's all about aligning your thoughts, dreams, and actions! Do you have a vision board? #dreambig #visualizeyourdreams #visionboard #moneygoals #financialjourney #financialgoals #manifestyourlife #believeinyourdreams #bigdreamsbiggoals #thebudgetmom
Kumiko Love Instagram - Literally, the best feeling! Creating a plan to make your money work for you is the ultimate goal! If you need help, comment BLUEPRINT and I will send you my FREE budget course that walks you through every step of the process! #TheBudgetMom #moneyplan #moneygoals #paycheckbudget #budgetbycheck #budgetgoals #budget
Kumiko Love Instagram - When should you use a high-yield savings account? If you want to save for a short to medium-term goal without the risk of investing, a HYSA is a good option! For my emergency fund, I keep about 25%  in my savings account at my credit union and the rest, 75%, in a high-yield savings account with Ally. I do this because it would take up to 1-2 days to get my money from Ally, so I like to have the option of immediate cash from my credit union. When searching for a high-yield savings account, here are the things you want to look for: ✔️ Easy access to your money ✔️ Competitive rates ✔️ No bank fees ✔️ Has FDIC insurance I have heard great things about SoFi, CiTBank, and Capital One but have never used them personally. Do you want to earn more on your savings? 😫 Let's talk solutions! Have you looked into high-yield savings accounts as an option? Share your thoughts and questions below! #BoostYourSavings #FinancialWellness #GrowYourMoney #SavingsGoals #HighYieldSavings #SmartSavings #thebudgetmom
Kumiko Love Instagram - A little post-workout prep talk! 🖐🎤 #thebudgetmom #budgetgoals #financialfreedom #financialjourney #moneygoals #budgetbypaycheckworkbook #budgetbypaycheck #budgetbypaycheckmethod #budgettips #budgeting101 #startnownottomorrow #debtfreegoals #debtfreecommunity #financialempowerment #moneymotivation
Kumiko Love Instagram - 2024 hit different. These are 5 powerful lessons I learned that changed how I will be in 2025 and beyond. Maybe one of them will resonate with you, too. 👇   1️⃣ Find your people. Stop wasting energy on people who don’t love, support, or truly see you. The right people will make you feel valued without demanding you change who you are. Focus on the relationships that nurture your soul, not drain it. 2️⃣ You don’t have to do it all. Trying to carry everything on your own shoulders leads to burnout, not fulfillment. It's okay to ask for help, say no, and protect your peace. 3️⃣ You can change your mind. You’re allowed to grow, evolve, and outgrow things that no longer serve you—whether that’s beliefs, goals, or even people. Growth is not betrayal; it’s self-respect. 4️⃣ Success without joy isn’t worth it. Reaching your goals means nothing if you’re miserable when you get there. True success is when joy accompanies your progress. 5️⃣ Healing is messy. Growth, healing, and grief aren’t linear. But every step, forward or back, still matters. If these lessons hit home for you, follow @thebudgetmom for more inspiration, mindful money management, and real-life money tips.  What’s one lesson 2024 taught you? Share it in the comments, and don’t forget to follow @thebudgetmom so we can grow together in 2025! 🌟 #moneygoals2025 #personalfinancejourney #financialwellness #mindfulspending #healingandgrowth #selfimprovementtips #intentionalmoney #growthmindset2024 #successandhappiness #moneymindsetshift #thebudgetmom #livewithintention #financialindependencejourney #selfgrowthjourney #betterwithmoney #mentalhealthandmoney #lifelessonslearned #moneyandlife  #thebudgetmom
Kumiko Love Instagram - Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! I remember when I used to get made fun of for saving $5/mo for a savings goal. It seems like that wouldn't make that much of a difference. BUT IT DOES. When the time comes, and you need that cash, it makes ALL THE DIFFERENCE. Remember, saving money is all about consistency and building up the habit. It's giving your savings a dedicated purpose, so you are less likely to spend it! No matter the dollar amount, keep up the habit!! I got the A5 6-ring binder from Amazon! You can find the link to my Amazon shop in my bio. If you would like the envelopes and savings trackers, comment SAVINGS2024! #thebudgetmom #sinkingfunds #savingmoney #savemoney #savingsgoals #savingtips #savemoneylivebetter #personalfinance
Kumiko Love Instagram - ✨️Ready to learn even more and get access to exclusive content?✨️ The Budget Mom subscription is finally here!! For years, I have been trying to figure out how to share even more of my journey - beyond just the budget! I knew I was going to put in a ton of time and effort into this project, and I wanted to make it impactful & and helpful, but I never knew how I could make it sustainable. Finally, I decided to do The Budget Mom Insider Subscription! Click on the subscription box in my bio to get signed up. You have to use your phone for this step! What does this include?: ✨️ One dedicated weekly series every month ✨️ Meal plan recipes & more recipe creation videos ✨️ One Instagram Live every month (Q&A) ✨️ Access to The Miko Love secret podcast episodes (one per month) ✨️ More day to day behind the scenes content (Gardening, Holiday Planning, Vacation Content, Soap Making, Homesteading, Sourdough & Baking, Finance, etc.) I am so excited to get started on our first series next Monday, which will be the How To Start Challenge where I'm going to breakdown the Budget By Paycheck Method step-by-step on video, so we can all do it together! I want every single Insider to know how to start this process! #TheBudgetMomInsiders See my stories today for more information! Ahhhhh! I've been working on this for the past five months, and I'm so excited to finally start and share everything with you!! #thebudgetmom #budgetbypaycheck #budgeting101 #moneygoals #personalfinance #Budget #debtfreecommunity #savemoney #liveyourbestlife
Kumiko Love Instagram - Sinking funds are used to save for (in advance) things that you KNOW are going to happen – birthdays, holidays, events, vacations, etc. If you know you’re going to be spending money outside of your regular budget for something, it’s smart to create a sinking fund for it. That way, you can save a little bit every single month or paycheck so you can be prepared for the expense when it comes around. If you have debt, you may be asking yourself, “how many sinking funds should I have? Do I pay off debt or implement sinking funds into my life?” Short answer - it’s up to YOU and YOUR financial priorities. My recommendation is to focus on your high-interest debt as a priority and put a little towards savings outside of your emergency fund. You CAN save and pay off debt. Remember, becoming debt-free isn’t just about being debt-free. It’s about staying out of debt in the future. So, if you know you’ll need the money for something like Christmas, for example, it’s smart to have a sinking fund for that so you don’t rely on your credit card when the time rolls around, ultimately putting you into more debt or back into debt. What is one sinking fund you have in 2024? Is there one you’re most excited about spending? #thebudgetmom #savingsgoals #savingstips #sinkingfunds #savemoney
Kumiko Love Instagram - Comment BLUEPRINT and I will send you a link to my free course where I walk you step-by-step on how to create a realistic budget using the cash envelope method! Spending cash is not outdated, and in fact, it can be an effective tool to help with overspending! 💪💸
Kumiko Love Instagram - Comment STRONGSTART and I will send a link to watch my video about creating a solid investing foundation. Don't just be an investor. Be a smart investor. This is not my only investment account. I decided to invest in a non-retirement account only AFTER maxing out my contributions to my retirement accounts. I originally started this account at TD Ameritrade, which has since been acquired by Charles Schwab. Unfortunately, I lost all of my performance history when the account switched to Schwab on 9/6/2023. By gathering information from past statements, I estimated the rate of return since the account's inception. If all of the ETF or investment options overwhelm you, start out with a Target Date Fund! See my investing highlight bubble for more information! This is what I invested in: SWPPX, VTI, SCHZ I posted the original video from 2021 about opening this account on my stories, which provides more details! I started this account with $400, but you can start with a lot less. Always contribute to retirement FIRST! #investingforbeginners #investing101 #investing
Kumiko Love Instagram - TWO MORE DAYS! I can’t believe it! Starting this upcoming MONDAY, SEPTEMBER 16th at 8AM PST, you will be able to preorder the new Budget by Paycheck Workbook. Yesterday, I shared more about the design, dimensions, cost, and changeable covers. (Check out my stories to access yesterdays’ post, as well as a link to the YouTube video I did going over the changes) Today, I want to discuss more about the preorder process as well as share a free little bonus to those who preorder in the first three days. As mentioned, you will be able to preorder your Budget by Paycheck Workbook starting Monday. That being said, we will not begin shipping orders until October 16th. If we decide to start shipping early, I will be sure to announce that throughout my social channels! (If you are moving within that timeframe, be sure to email support@thebudgetmom.com so we can ensure your package is going to the correct address) 🎉🎉FREEBIE!🎉🎉 For the first THREE days (through Wednesday, September 18th), all Budget by Paycheck preorders will receive a free pad of Teller Slip Sticky Notes. Since we decided to remove them from inside of the workbook, we wanted to include this as a freebie to ensure you still have the teller slips if you would like! Be sure to add the teller slips to your cart. Check out my post tomorrow to share a few more details, including more information about the PDF printable version and PDF debt-free printable version! Give me a 🎉 in the comments if you’re as excited as I am! #thebudgetmom #budgetbypaycheck
Kumiko Love Instagram - I am so excited to have Ryen back for this March budget recap! The last time we showed Ryen's budget, she was one year away from being debt-free. She shares where she is now! I show my "Where Did My Money Go?" worksheets and discuss my $8,000 expense in March! #thebudgetmom #budgeting101 #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #budgettips #youtubechannel
Kumiko Love Instagram - Frugality isn’t just about saving money—it’s about making thoughtful, intentional choices that maximize value. 💡 It’s about prioritizing quality over the lowest price and finding the best balance between cost, quality, and necessity. ⚖️ I always strive to align my spending with what truly matters to me. ❤️ It’s not just about spending less; it’s about making choices that reflect my values and bring genuine satisfaction. 🌟 Cheapness, on the other hand, often focuses solely on the lowest cost, sacrificing quality and longevity. 🚫 This mindset might save money upfront, but it can lead to: More frequent replacements 🔁 Higher long-term costs 💸 Less satisfaction 😕 True value isn’t found in the lowest price tag—it’s in choosing quality that lasts. Frugality means investing in what serves you best over time, not just what costs the least today. #FrugalLiving #QualityOverQuantity #SpendWisely
Kumiko Love Instagram - Happy Mother's Day! 🩷🩷 I am blessed that I was given the very best mom. She was kind, patient, loving, hard working, and humble. She will always be my guiding light, the one looking back at me in the mirror. I love you, mom. Happy Mother's Day. I miss you so very much!
Kumiko Love Instagram - SOME OF MY TOP BUDGETING TIPS: 1️⃣ Establish & discover your WHY. Clarify your purpose. Why do you want to get better with your money, and why do you want to budget? 2️⃣ Start in a place of reality. A budget is not about what you want to spend. It's about what you are actually spending. 3️⃣ Track your spending and know where your money is going so you can make better financial decisions. 4️⃣ Focus on self-discovery, not the numbers. Once you can get past the numbers and focus on the underlying issues, you will start to see permanent change. 5️⃣ Stop comparing your financial journey. Your story is unique. Celebrate and define success, goals, and values for yourself! 6️⃣ Prepare and plan ahead of time so you can give yourself peace of mind! Shout out to the amazing #tbmfamily😍 #thebudgetmom #budgetgoals #budgettips #budgetlife #budgeting101 #budgetingforbeginners #budgetbypaycheck #financialfreedom #budget
Kumiko Love Instagram - In my bestselling book, My Money My Way, I talk about how to find financial fulfillment in your life. People often ask me why I didn't call it financial freedom. For me, financial freedom means choosing when I work, who I work for, and what I work on. It doesn't mean retiring or becoming a millionaire. Everyone will have different definitions. Fulfillment is something so much deeper. It's not something at the end of a finish line or one single thing. It's a feeling that is constant inside of us. It's about deciding how you want to live your life. The biggest marker of a financially fulfilled life is your ability to give your time, focus, and energy generously to those you love. No matter what, there are three factors that you must find to reach financial fulfillment in your life - stability, clarity, and confidence. These three critical factors and lessons are discussed throughout my book, My Money My Way, and chapter 13. Through The Budget Mom, I hope to support and encourage you to find that deeper purpose and meaning so you can live a life you truly love, no matter where you are right now. Comment MYMONEYMYWAY and I will send you a link to my book! #thebudgetmom #mymoneymyway #budgeting101 #financialfulfillment #financialfreedom #financialjourney #moneyempowerment #moneymotivation #personalfinanceforwomen #financebooks #moneytools #moneybooks
Kumiko Love Instagram - Before I create my budget, there is one thing I never skip and always do. I create a roadmap for my spending. So, let's talk about why I create a budget calendar and what things I always put on it. Creating a calendar is an excellent reminder that a budget is not for paying the bills. Completing this step before planning your spending on a budget ensures you are prepared and ready for real life. You are less likely to forget expenses that are coming up. I always include the following things: #1) Fixed expenses or my bills. This is helpful because I can use different highlighter colors to identify what bills I am paying for different paychecks. For example, all of the bills you are paying with your first paycheck, highlight them blue. All of the bills you are paying for your second paycheck, highlight in yellow. #2) Events. If you have an event like your kid's soccer game, a work lunch, or dinner out with friends, make sure to write it down and what you plan to spend. #3) Reminders. I like to write down things that could affect my budget. Meal planning, setting up a vet appt for one of my dogs, or needing to call and schedule a dr. appt. #4) Holidays. Hopefully, you are prepared for holiday spending with sinking funds, but if you aren't, keep track of the holidays and write down a dedicated budget for each. #5)Appointments. Don't forget copays, medical expenses, or beauty appointments. #6) Travel. I always like to mark down the days I am traveling with my estimated vacation budget. This is helpful because it will affect other areas of my budget, like grocery spending. Your budget calendar is your real-life spending roadmap. If you plan on spending money on something, it should be on your calendar!! #budgettips #budgeting #budgetgoals #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #thebudgetmom #budgeting101 #budgetcalendar #paycheckbudget #tbmfamily
Kumiko Love Instagram - Today, I closed out my February budget and started my new tracking period for March. Here is a breakdown of the steps I completed to close out my budget: 1️⃣ Unstuff my cash envelopes and figure out what I want to do with any cash that is leftover 2️⃣ Update & total my spending for the month 3️⃣ Fill in the "Actual" column on my budget 4️⃣ Fill out my "Where Did My Money Go?" worksheets Here is a breakdown of the steps I complete to start my new tracking period: 1️⃣ Print and make my cash envelopes 2️⃣ Go to the bank, get my paycheck, and pull out cash for my cash envelopes. 3️⃣ Prep & start new expense trackers 4️⃣ Stuff cash envelopes 5️⃣ Make online transfers for different savings goals 6️⃣ Stuff savings cash envelopes and update savings goals binder For some, this seems like a lot. To me, it just looks like peace of mind and security. I love closing out my budget, even when I don't want to see my spending for the month in some categories. 🤣 I also love starting a new tracking period because it feels like hitting the refresh button. It's another opportunity to take what I have learned and make better decisions and more progress. What do you struggle with the most when it comes to closing out your budget for the month? #thebudgetmom #budgettips #budgetgoals #spendinghabits #trackyourspending #expensetracker #monthlyexpenses #cashenvelopes #cashenvelopesystem #cashenvelopestuffing #cashenvelopewallet #cashenvelopemethod #budgetingforbeginners #budgeting101
Kumiko Love Instagram - I am seeing 🚩🚩🚩 all over the place when it comes to debt settlement companies. Let me be clear: You have the right to settle or negotiate your debt yourself without a company representing you. There are no costs to do this! STAY CLEAR AND SAY NO to any debt settlement company that: ❌️ Contacts you first ❌️ Charges upfront fees prior to settlement ❌️ Make guarantees or promises ❌️ Does not warn you of the consequences (lawsuits, credit damage, tax implications, collections, etc.) Honestly, just say no to any debt settlement company! Comment BYEDEBT and I will send you a video on creating a plan of attack to pay off your debt! #thebudgetmom #debtsettlement #debtfreegoals #debtpayoff #debtfreecommunity #debtfreejourney
Kumiko Love Instagram - Can having a garden decrease your food costs? Well, I have had my garden for over three years now, and as I learn more every year about self-sufficiency, here's my answer. Preserving your harvest by canning, freezing, or drying can add to the savings by reducing the need to buy off-season items. However, my biggest lesson is that there is value beyond just financial savings. Being able to feed my family fresh, homegrown produce, enjoying the therapeutic benefits, and feeling satisfied that I am more self-sufficient than I was two years ago all add "value." Many factors determine whether having a garden saves money, such as the initial investment, maintenance costs, the type of crops you grow, the size of your garden, the location and climate, and your time and labor. So, my gentle reminder today is that if you feel like you are not doing enough with your garden or maybe another project you are working on, YOU ARE. Remember, your reality and effort don't have to look a certain way to matter. It's enough. If you have a garden, do you ever feel like a complete failure when you see other people's pantrys filled with a ton of beautiful canned goods? Like, how?!🤣 #thebudgetmom #selfsufficiency #foodpreservation #homegrownfood #grocerybudget #foodcost
Kumiko Love Instagram - Products that I use: ✔️ Soap I make myself or Foxbrim Milk & Honey face wash ✔️ Epionce Renewal Face Lotion ✔️ Epionce Lytic TX ✔️ Thayer's Rose Toner ✔️ Face Reality Daily SPF 30 Lotion I follow this routine morning and night religiously. I ALWAYS wear sunscreen and treat my neck area. Do NOT ignore your neck! I know Epionce is not 100% natural and is pricey. However, you only need to use a small amount of the lotion—it goes a long way! I like Epionce for its botanical ingredients, and it's paraben-, fragrance-, sulfate- and gluten-free. I am not sponsored by them in any way. I genuinely use and like their products. I'm currently testing and making my own lotion products. I don't wear any makeup except some mascara (sometimes). A lesson I learned from my mom is that simple is sometimes the best. What is your favorite skincare product? #skincareroutine #thebudgetmom #skincaredaily
Kumiko Love Instagram - 🎉✨️ We are officially THREE days away from our Budget by Paycheck preorder launch. ✨️🎉 Over the next three days, I will be sharing information regarding the launch so be sure to read the entire caption and check out my stories for the link to the YouTube video I did going over all of the changes. Starting this upcoming MONDAY, SEPTEMBER 16th at 8AM PST, you will be able to preorder the new Budget by Paycheck Workbook. As many of you know, we are coming out with a brand new smaller size, which is the same size as our small Live Rich Planners. We will still have our normal full-size. We only have ONE design available this year - Wildflower. This cover was actually inspired by all of the wildflowers that I've planted throughout my property! There will also be TWO new changeable cover designs available - Retro Smiley and Vintage Forest. These come in both small and full-size, so be sure to select the correct size depending on which size you need. ❤️ Price of Budget by Paycheck Workbooks = Small: $44 / Full Size: $48 ❤️ Dimensions of FULL SIZE Budget by Paycheck Workbook (with binding) = 10" X 11" ❤️ Dimensions of SMALL SIZE Budget by Paycheck Workbook (with binding) = 8 3/4" X 9 1/2". Stay tuned for tomorrow's post where I'll be sharing more information! #thebudgetmom #budgetbypaycheck Are you team Small-Size or Full-Size?
Kumiko Love Instagram - Casual TED Talk while I tackle afternoon farm chores. 🎤🐓🤷‍♀️
Kumiko Love Instagram - I always recommend saving as much as possible to pay for a used car.  Whether new or used, a vehicle is a depreciating asset, meaning it tends to lose value over time. Usually, I will tell people to buy a used vehicle over a new one. If you have CASH to buy a new car, whether that's considered "a bad investment or a waste of money" depends on your circumstances and priorities. If you have the cash to purchase the car outright, and it aligns with your financial goals, lifestyle, and preferences, then awesome. However, it's essential to consider factors such as depreciation (new cars often lose value quickly), ongoing maintenance costs, insurance premiums, and your overall financial situation. It's all about making an informed decision based on your needs and financial capabilities. I also get asked a lot if I recommend leasing a vehicle. Typically, I avoid leasing when possible; however, I acknowledge that everyone has different circumstances.  Maybe I don't like that you're "renting" a car, paying for the depreciation of the car during the lease term plus interest and fees, and have mileage restrictions.  It's also important to look at the long-term costs. You might get offered lower monthly payments INITIALLY, but if you lease the car long-term, you may end up paying more in TOTAL than if you had bought a car outright and kept it for several years! #thebudgetmom #budgettips #savemoney #moneytips #budgetgoals #savingmoney #carloans
Kumiko Love Instagram - Comment LIVERICH and I will send you a link to get the Live Rich Planner for $10!!!! I don't show my Live Rich Planner often, but I finished my monthly calendar today.  This is where I can quickly see what's happening during the whole month. It also helps me avoid double booking or overbooking myself. I spend a lot of time working on reflection and improvement, and it's eye-opening to look back at last year's May monthly calendar. It seems like a different life. A life where my mom was still alive, and I was planning on having my second child. Today, when I compared my calendar to last year's, all I could do was cry. I saw the entry to watch Riverdance with my mom and Doug, an activity that we never got to do together.  Organization and finances go hand in hand. I can make better and more informed decisions when I am organized in all areas of my life.  I like having my Budget By Paycheck for my finances and my Live Rich Planner for life organization. It's a system that works for me! How do you currently organize your life? #liverichplanner #plannerlife #lifeorganized #planneraddict #organizemylife #lrpplanner #budgetgoals #plannerlayout #financialhabits #moneytips
Kumiko Love Instagram - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Kumiko Love Instagram - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Kumiko Love Instagram - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Kumiko Love Instagram - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Kumiko Love - 32.2K Likes - This is just another reminder that deciding where to put your money matters! ALWAYS research banking fees and interest rates. Here are some banks I do like: 1️⃣ Ally Bank: Currently, I have my emergency savings in their online high-yield savings accounts. You have no over-draft fees, monthly fees, and no minimums. They don't always offer the highest rates, but come close! 2️⃣ Credit Unions: I love credit unions and have both checking and savings with a local credit union! Bigger banks might offer more products, but they aren't worth the member-owned service you get with a credit union. Of course, there might be better options if you travel internationally or need access to a bank nationwide. 3️⃣ I have heard great things about the Discover Cashback Debit checking account but have yet to use it myself. This account has no fees or minimum balance requirements, no-fee check ordering, and fee-free overdraft protection. They also offer over 60,000 free ATMs. What bank do you use and love? #personalfinanceforwomen #bankingawareness #savingmoney #checkingaccount #moneytips #thebudgetmom

32.2K Likes – Kumiko Love Instagram

Caption : This is just another reminder that deciding where to put your money matters! ALWAYS research banking fees and interest rates. Here are some banks I do like: 1️⃣ Ally Bank: Currently, I have my emergency savings in their online high-yield savings accounts. You have no over-draft fees, monthly fees, and no minimums. They don’t always offer the highest rates, but come close! 2️⃣ Credit Unions: I love credit unions and have both checking and savings with a local credit union! Bigger banks might offer more products, but they aren’t worth the member-owned service you get with a credit union. Of course, there might be better options if you travel internationally or need access to a bank nationwide. 3️⃣ I have heard great things about the Discover Cashback Debit checking account but have yet to use it myself. This account has no fees or minimum balance requirements, no-fee check ordering, and fee-free overdraft protection. They also offer over 60,000 free ATMs. What bank do you use and love? #personalfinanceforwomen #bankingawareness #savingmoney #checkingaccount #moneytips #thebudgetmom
Likes : 32160Kumiko Love - 23.6K Likes - Of course, this is not my ENTIRE story. Marrying my best friend, losing my mom, and having a baby are all things that have happened in just the last two years. But these are stepping stones in my journey that have led me to where I am today. One of the quotes that has always stayed with me is: "Every expert was once a beginner." And it wasn't too long ago that I was a beginner with finances and my budget. This financial journey is about starting somewhere and making a step every day to get where you want to be. I am still here, taking those steps in my own life. Thank you for letting me share those steps with you and allowing me to be part of your journey! In the comments, share when you started your financial journey! Mine really started in 2012! #thebudgetmom #tbmfamily #financialjourney #moneyplan #moneymotivation #moneymindset #financialgoals #debtfreegoals #debtfreejourney #personalfinanceforwomen #nojudgementzone #financialfreedom

23.6K Likes – Kumiko Love Instagram

Caption : Of course, this is not my ENTIRE story. Marrying my best friend, losing my mom, and having a baby are all things that have happened in just the last two years. But these are stepping stones in my journey that have led me to where I am today. One of the quotes that has always stayed with me is: “Every expert was once a beginner.” And it wasn’t too long ago that I was a beginner with finances and my budget. This financial journey is about starting somewhere and making a step every day to get where you want to be. I am still here, taking those steps in my own life. Thank you for letting me share those steps with you and allowing me to be part of your journey! In the comments, share when you started your financial journey! Mine really started in 2012! #thebudgetmom #tbmfamily #financialjourney #moneyplan #moneymotivation #moneymindset #financialgoals #debtfreegoals #debtfreejourney #personalfinanceforwomen #nojudgementzone #financialfreedom
Likes : 23552Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 11.2K Likes - This was a hard weekly recap to share, but it's the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.' I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn't gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it's not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That's all you can do. That's enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom

11.2K Likes – Kumiko Love Instagram

Caption : This was a hard weekly recap to share, but it’s the truth. I have been struggling a lot lately with grief and guilt. I think these two emotions are very common yet not talked about enough. For Easter, my family visited the farm for the first time since my mom passed, and I have no words to describe the pain I felt from the very second we left the house.’ I was making a drive that I have made a thousand times in my life, but this time, my mom would not be there. It felt unfamiliar, sad, and downright impossible. I know I will never stop grieving my mom, but I am still very much in pain, and it hasn’t gotten easier. I still text her every day, listen to her voice messages on repeat, and wake up hoping it was just a nightmare. I wish I could say my life is all rainbows and sprinkles, but it’s not. I wake up and tell myself I am going to do the best I can and, most importantly, be the person my mom would be proud of. That’s all you can do. That’s enough. Thank you for allowing me to share this journey with you. What are some struggles you had this week? #thebudgetmom #weeklyrecap #griefjourney #lifeupdate #financialjourney #tbmfamily #iloveyoumom
Likes : 11233Kumiko Love - 10.9K Likes - Discovering your WHY is one of the most important steps on your financial and life journey. As The Budget Mom, I believe it's the foundation of everything. Your WHY is the guiding force that shapes your decisions and fuels your passions. Life is full of changes and challenges, and your WHY will evolve with you. After losing my mom, my sense of purpose shifted dramatically. I realized I could never fill her shoes, but I could carry her torch into the future, honoring her memory by living a life that reflects her values and love. It's okay if your WHY changes—it means you're growing. Each life experience, especially loss, highlights how short life is and how important it is to live it fully. Embrace the changes, let them shape your WHY, and use it to guide you toward a more meaningful and fulfilled life.   When the pain of losing my mom becomes unbearable, and the reality of her being gone is heart-crushing, I remember that she lives through me.  To everyone experiencing change and finding that it redefines your WHY, embrace it and let it happen. XOXO, Miko

10.9K Likes – Kumiko Love Instagram

Caption : Discovering your WHY is one of the most important steps on your financial and life journey. As The Budget Mom, I believe it’s the foundation of everything. Your WHY is the guiding force that shapes your decisions and fuels your passions. Life is full of changes and challenges, and your WHY will evolve with you. After losing my mom, my sense of purpose shifted dramatically. I realized I could never fill her shoes, but I could carry her torch into the future, honoring her memory by living a life that reflects her values and love. It’s okay if your WHY changes—it means you’re growing. Each life experience, especially loss, highlights how short life is and how important it is to live it fully. Embrace the changes, let them shape your WHY, and use it to guide you toward a more meaningful and fulfilled life.   When the pain of losing my mom becomes unbearable, and the reality of her being gone is heart-crushing, I remember that she lives through me.  To everyone experiencing change and finding that it redefines your WHY, embrace it and let it happen. XOXO, Miko
Likes : 10861Kumiko Love - 8.4K Likes - Today, I want to celebrate a very special person! It's Ryen's birthday, and I wanted to take the time to acknowledge her impact on my life. I met Ryen at a Starbucks in Spokane Valley in 2020 when she interviewed for my first job posting as my assistant. Before she applied for the position, Ryen was a follower of The Budget Mom. Over 500 people applied for the job, and I conducted over 150 interviews. I followed my mom's advice to hire based on someone's heart and values, and it was the best decision I have ever made for my business. Little did I know back then that Ryen would not just be my assistant but also one of my dearest friends. Ryen is kind, patient, understanding, and funny, and I cherish our daily phone calls. This year marks five years that Ryen has worked for The Budget Mom, taking on every role and becoming absolutely indispensable. Besides ALL the hats she wears (which is totally unfair to her), she has also helped me navigate some of the most significant decisions I have made for my company. Ryen has changed the quality of my life, allowing me to step away and have more freedom and time with my family. I will be forever grateful that we met over four years ago. Happy birthday, my sweet friend. I see you. I appreciate you. I love you. #thebudgetmom #tbmfamily #employeeappreciation

8.4K Likes – Kumiko Love Instagram

Caption : Today, I want to celebrate a very special person! It’s Ryen’s birthday, and I wanted to take the time to acknowledge her impact on my life. I met Ryen at a Starbucks in Spokane Valley in 2020 when she interviewed for my first job posting as my assistant. Before she applied for the position, Ryen was a follower of The Budget Mom. Over 500 people applied for the job, and I conducted over 150 interviews. I followed my mom’s advice to hire based on someone’s heart and values, and it was the best decision I have ever made for my business. Little did I know back then that Ryen would not just be my assistant but also one of my dearest friends. Ryen is kind, patient, understanding, and funny, and I cherish our daily phone calls. This year marks five years that Ryen has worked for The Budget Mom, taking on every role and becoming absolutely indispensable. Besides ALL the hats she wears (which is totally unfair to her), she has also helped me navigate some of the most significant decisions I have made for my company. Ryen has changed the quality of my life, allowing me to step away and have more freedom and time with my family. I will be forever grateful that we met over four years ago. Happy birthday, my sweet friend. I see you. I appreciate you. I love you. #thebudgetmom #tbmfamily #employeeappreciation
Likes : 8399Kumiko Love - 7.9K Likes - One year. It will never seem real. I love you, mom.

7.9K Likes – Kumiko Love Instagram

Caption : One year. It will never seem real. I love you, mom.
Likes : 7936Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 6.1K Likes - When I set out to learn a new skill, I don't just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It's true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don't stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It's fantastic to have a lot of hobbies and passions, but it's also essential to define "balance" in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams

6.1K Likes – Kumiko Love Instagram

Caption : When I set out to learn a new skill, I don’t just do things to cross it off my list. I set out to understand it and MASTER it. This is something that really hit me this week. It’s true. When I want to learn something, I become obsessed, and then I set out not only to do it but to absolutely master it. It was like this with budgeting, baking, gardening, soap making, raising chickens, and now sourdough. I don’t stop trying, learning, and growing. This can be a good thing and a curse. Sometimes, I am too hard on myself, and my obsession becomes so great that I put things that should be a priority on the back burner. It means that sometimes I overwork myself, then burn out and stop doing anything. It’s fantastic to have a lot of hobbies and passions, but it’s also essential to define “balance” in your life. I am still working on that! I hope you have an amazing weekend! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams
Likes : 6139Kumiko Love - 5.8K Likes - A message from my heart. Remember what's truly important in this life because it is short. I miss you, mom. #thebudgetmom

5.8K Likes – Kumiko Love Instagram

Caption : A message from my heart. Remember what’s truly important in this life because it is short. I miss you, mom. #thebudgetmom
Likes : 5791Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.2K Likes - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

5.2K Likes – Kumiko Love Instagram

Caption : Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier.  Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss
Likes : 5164Kumiko Love - 5.1K Likes - 10 years ago, I went through a McDonalds drive-through and financed a $1.09 ice cream cone. I used my credit card to buy an ice cream cone for my son because I was afraid that my debit card would decline. I didn't even know if I had $2 in my checking account. That's an experience that changed my life. That was the day I decided I was going to fight for something different. A better life with my kids. Today, my life is completely different. After Dante's 9-month checkup and finding out he did not need shots at this appointment, we decided to go out for breakfast. For many, going out to eat on a whim doesn't seem like that big of a deal. For me, it means the world because I remember what my life was like not too long ago. There isn't one day that goes by where I don't think about my life over 10 years ago. There isn't one day when I'm not thankful I found the courage and dedication to change my life for the better. If you are here wanting more from your life, my only advice would be, don't wait! You CAN change your finances and your relationship with money. One of the biggest blessings of starting my debt-free and financial journey is no longer worrying about my finances or wondering if I even have the money to go out with my family. Today, we went out to breakfast, and I didn't HAVE TO put it on my credit card. For me, that will always be a win. Keep fighting. Keep pushing forward! Trust me, it's so worth it. #thebudgetmom #budgetbypaycheck #personalfinance #debtfreegoals #debtfreecommunity #debtfreejourney

5.1K Likes – Kumiko Love Instagram

Caption : 10 years ago, I went through a McDonalds drive-through and financed a $1.09 ice cream cone. I used my credit card to buy an ice cream cone for my son because I was afraid that my debit card would decline. I didn’t even know if I had $2 in my checking account. That’s an experience that changed my life. That was the day I decided I was going to fight for something different. A better life with my kids. Today, my life is completely different. After Dante’s 9-month checkup and finding out he did not need shots at this appointment, we decided to go out for breakfast. For many, going out to eat on a whim doesn’t seem like that big of a deal. For me, it means the world because I remember what my life was like not too long ago. There isn’t one day that goes by where I don’t think about my life over 10 years ago. There isn’t one day when I’m not thankful I found the courage and dedication to change my life for the better. If you are here wanting more from your life, my only advice would be, don’t wait! You CAN change your finances and your relationship with money. One of the biggest blessings of starting my debt-free and financial journey is no longer worrying about my finances or wondering if I even have the money to go out with my family. Today, we went out to breakfast, and I didn’t HAVE TO put it on my credit card. For me, that will always be a win. Keep fighting. Keep pushing forward! Trust me, it’s so worth it. #thebudgetmom #budgetbypaycheck #personalfinance #debtfreegoals #debtfreecommunity #debtfreejourney
Likes : 5056Kumiko Love - 5K Likes - On January 14, 2019, I paid off my last debt and became 100% debt free. I’ll never forget how excited I was in that moment. Now, 6 years later, I want to reshare that video—not just to celebrate 6 years of being debt-free, but to reflect on everything I learned WHILE paying off debt and AFTER becoming debt-free.   DURING my debt payoff journey, I learned that: 💡 Every small payment matters. Even when it feels insignificant, every dollar you put toward your goal moves you forward. Those small wins add up. 💡 Setbacks don’t mean failure. I had moments where progress stalled, unexpected bills popped up, or motivation waned. What mattered most wasn’t how fast I moved but that I didn’t give up. 💡 It’s not just about numbers. The most important work happened in my mind. Learning how to manage money, control emotions, and stay disciplined was the real transformation. But AFTER becoming debt-free, I realized: 💡 Debt doesn’t define you. You are more than your mistakes, your financial past, or your current balance. Your journey is about growth, not guilt. 💡 There’s no finish line in personal finance. Paying off debt was a huge goal, but it didn’t mean I was done. Life kept going, and so did my financial journey—learning to invest, build wealth, and spend mindfully. 💡 Freedom looks different than you think. I thought becoming debt-free would erase all my stress, but true freedom isn’t just financial—it’s how you live, how you feel, and what you prioritize. If you’re in the middle of your debt journey, I want you to know this: 👉 Every small step matters. Every setback is part of the process. And when you become debt-free, it won’t be the end—it’ll be the start of something greater. 5 years later, I’m still learning. Still growing. Still applying the lessons I learned on my journey five years ago.  Thank you to my entire #tbmfamily for being on this journey with me!  If you’re on a debt-free journey, too, drop a 💪in the comments! And if you found this helpful, follow @thebudgetmom for more real-life debt and budgeting tips. 💬✨ #DebtFreeJourney #DebtFreeCommunity #FinancialFreedom #MoneyMatters #KeepGoing #PersonalFinance #MoneyMindset #PayOffDebt

5K Likes – Kumiko Love Instagram

Caption : On January 14, 2019, I paid off my last debt and became 100% debt free. I’ll never forget how excited I was in that moment. Now, 6 years later, I want to reshare that video—not just to celebrate 6 years of being debt-free, but to reflect on everything I learned WHILE paying off debt and AFTER becoming debt-free.   DURING my debt payoff journey, I learned that: 💡 Every small payment matters. Even when it feels insignificant, every dollar you put toward your goal moves you forward. Those small wins add up. 💡 Setbacks don’t mean failure. I had moments where progress stalled, unexpected bills popped up, or motivation waned. What mattered most wasn’t how fast I moved but that I didn’t give up. 💡 It’s not just about numbers. The most important work happened in my mind. Learning how to manage money, control emotions, and stay disciplined was the real transformation. But AFTER becoming debt-free, I realized: 💡 Debt doesn’t define you. You are more than your mistakes, your financial past, or your current balance. Your journey is about growth, not guilt. 💡 There’s no finish line in personal finance. Paying off debt was a huge goal, but it didn’t mean I was done. Life kept going, and so did my financial journey—learning to invest, build wealth, and spend mindfully. 💡 Freedom looks different than you think. I thought becoming debt-free would erase all my stress, but true freedom isn’t just financial—it’s how you live, how you feel, and what you prioritize. If you’re in the middle of your debt journey, I want you to know this: 👉 Every small step matters. Every setback is part of the process. And when you become debt-free, it won’t be the end—it’ll be the start of something greater. 5 years later, I’m still learning. Still growing. Still applying the lessons I learned on my journey five years ago.  Thank you to my entire #tbmfamily for being on this journey with me!  If you’re on a debt-free journey, too, drop a 💪in the comments! And if you found this helpful, follow @thebudgetmom for more real-life debt and budgeting tips. 💬✨ #DebtFreeJourney #DebtFreeCommunity #FinancialFreedom #MoneyMatters #KeepGoing #PersonalFinance #MoneyMindset #PayOffDebt
Likes : 5025Kumiko Love - 4.8K Likes - Two years of marriage has taught us that the key to successfully managing money together is simple: communication and doing what works for us. 💬💰 There’s no one-size-fits-all approach when it comes to finances, but talking openly about our goals, being transparent about our spending, and finding a system that fits our relationship has made all the difference. It’s not about perfection. It’s about progress and working as a team every step of the way. 💪 Happy anniversary to my amazing husband—here’s to many more years of love and teamwork! 💖 What’s your biggest lesson in managing money with a partner?   #MarriageAndMoney #Teamwork #FinancialGoals

4.8K Likes – Kumiko Love Instagram

Caption : Two years of marriage has taught us that the key to successfully managing money together is simple: communication and doing what works for us. 💬💰 There’s no one-size-fits-all approach when it comes to finances, but talking openly about our goals, being transparent about our spending, and finding a system that fits our relationship has made all the difference. It’s not about perfection. It’s about progress and working as a team every step of the way. 💪 Happy anniversary to my amazing husband—here’s to many more years of love and teamwork! 💖 What’s your biggest lesson in managing money with a partner?   #MarriageAndMoney #Teamwork #FinancialGoals
Likes : 4822Kumiko Love - 4.7K Likes - Comment 100ENVELOPE and I will send you this super cute 100 Envelope Savings Challenge Kit! The 100 envelope savings challenge involves numbering 100 envelopes from 1 to 100.  Each day or when you have extra cash, you randomly pick one envelope and put an amount of money equal to the envelope's number inside (e.g., $1 in envelope 1, $2 in envelope 2). Over time, you'll save a total of $5,050. The 100 envelope savings challenge is not just about saving money; it's about making it fun and engaging. It's like a game where you get to see your savings grow! It encourages consistent saving habits, helps build a substantial emergency fund, and provides a sense of accomplishment as you see your savings grow. Plus, the random daily amounts make it manageable and flexible, accommodating different budgets. I have wanted to start this challenge for a long time, and I am so excited to finally start. Some of my envelopes are already stuffed with cash! Do you have any questions about this savings challenge #savingschallenge #savemoney #savinggoals #savingsgoals #savemoneytips #savingmoney #100envelopesavingschallenge #savingstips #savemoneytime

4.7K Likes – Kumiko Love Instagram

Caption : Comment 100ENVELOPE and I will send you this super cute 100 Envelope Savings Challenge Kit! The 100 envelope savings challenge involves numbering 100 envelopes from 1 to 100.  Each day or when you have extra cash, you randomly pick one envelope and put an amount of money equal to the envelope’s number inside (e.g., $1 in envelope 1, $2 in envelope 2). Over time, you’ll save a total of $5,050. The 100 envelope savings challenge is not just about saving money; it’s about making it fun and engaging. It’s like a game where you get to see your savings grow! It encourages consistent saving habits, helps build a substantial emergency fund, and provides a sense of accomplishment as you see your savings grow. Plus, the random daily amounts make it manageable and flexible, accommodating different budgets. I have wanted to start this challenge for a long time, and I am so excited to finally start. Some of my envelopes are already stuffed with cash! Do you have any questions about this savings challenge #savingschallenge #savemoney #savinggoals #savingsgoals #savemoneytips #savingmoney #100envelopesavingschallenge #savingstips #savemoneytime
Likes : 4710Kumiko Love - 4.3K Likes - I started running to combat emotional spending over 12 years ago. Today, I run to reconnect with my body after having a C-section 13 months ago. I run so my children can meet me at the finish line and know they can do anything. I run so I can practice believing in myself and build my confidence. I run so I can grieve my mom. I run so I can feel at peace. Here's to 10 miles today! 💪👏

4.3K Likes – Kumiko Love Instagram

Caption : I started running to combat emotional spending over 12 years ago. Today, I run to reconnect with my body after having a C-section 13 months ago. I run so my children can meet me at the finish line and know they can do anything. I run so I can practice believing in myself and build my confidence. I run so I can grieve my mom. I run so I can feel at peace. Here’s to 10 miles today! 💪👏
Likes : 4256Kumiko Love - 4.2K Likes - This year, we decided to go back to doing pre-orders. That means you can order the new Budget By Paycheck® workbook on AUGUST 20TH, but they won't start shipping until SEPTEMBER 20TH. Why do we do pre-orders? The Budget Mom is a small business with only a few employees. Due to the HUGE influx of orders for our BBP launches, our small team needs time to package and prepare orders. We will be offering a brand new SMALL SIZE this year (with binding 8 3/4 inches wide X 9 1/2 inches tall), which will be $44. Our full size (with binding 10 inches wide x 11 inches tall) will be $48. Due to the popularity and high demand for our BBP workbooks, we can't guarantee stock for our launches! #thebudgetmom #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbycheck #budgetplanner Do you like the new changes to the BBP® Workbook?

4.2K Likes – Kumiko Love Instagram

Caption : This year, we decided to go back to doing pre-orders. That means you can order the new Budget By Paycheck® workbook on AUGUST 20TH, but they won’t start shipping until SEPTEMBER 20TH. Why do we do pre-orders? The Budget Mom is a small business with only a few employees. Due to the HUGE influx of orders for our BBP launches, our small team needs time to package and prepare orders. We will be offering a brand new SMALL SIZE this year (with binding 8 3/4 inches wide X 9 1/2 inches tall), which will be $44. Our full size (with binding 10 inches wide x 11 inches tall) will be $48. Due to the popularity and high demand for our BBP workbooks, we can’t guarantee stock for our launches! #thebudgetmom #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbycheck #budgetplanner Do you like the new changes to the BBP® Workbook?
Likes : 4197Kumiko Love - 4.1K Likes - This weekend, our baby boy turned ONE. It's hard to believe we have a toddler when I feel like we just brought him home from the hospital. Around January, I started saving all leftover cash from my variable spending envelopes for his birthday. The amounts were sporadic, but I saved around $400 by the end of June. Chris also bought some of the cutest baseball decorations and keepsakes for our Rookie of the Year-themed party, like a custom wood bat, ball, and jersey. So cute! The decoration costs included things like the highchair garland, backdrop and balloon arch, cake topper, and 12-month photo board. The biggest expense for food was the grocery haul for the BBQ. We went with hotdogs, hamburgers, chips, and potato salad. I baked and decorated the sugar cookies, smash cake, and cupcakes. The largest present we got Dante was an electric ride-on tractor that cost around $200. If we hadn't already saved the money, we would have never spent so much on a birthday. I am so grateful I learned how to use sinking funds and that I could give my baby boy the best FIRST birthday without guilt. What has been your favorite birthday theme? I did a dinosaur theme for James's first birthday and LOVED it! #Budgeting #MoneyExpert #FinancialTips #FirstBirthday #BirthdayBudget #SinkingFunds #BudgetingHacks #MoneyManagement #FamilyFinance #SmartSpending #FrugalLiving #PersonalFinance

4.1K Likes – Kumiko Love Instagram

Caption : This weekend, our baby boy turned ONE. It’s hard to believe we have a toddler when I feel like we just brought him home from the hospital. Around January, I started saving all leftover cash from my variable spending envelopes for his birthday. The amounts were sporadic, but I saved around $400 by the end of June. Chris also bought some of the cutest baseball decorations and keepsakes for our Rookie of the Year-themed party, like a custom wood bat, ball, and jersey. So cute! The decoration costs included things like the highchair garland, backdrop and balloon arch, cake topper, and 12-month photo board. The biggest expense for food was the grocery haul for the BBQ. We went with hotdogs, hamburgers, chips, and potato salad. I baked and decorated the sugar cookies, smash cake, and cupcakes. The largest present we got Dante was an electric ride-on tractor that cost around $200. If we hadn’t already saved the money, we would have never spent so much on a birthday. I am so grateful I learned how to use sinking funds and that I could give my baby boy the best FIRST birthday without guilt. What has been your favorite birthday theme? I did a dinosaur theme for James’s first birthday and LOVED it! #Budgeting #MoneyExpert #FinancialTips #FirstBirthday #BirthdayBudget #SinkingFunds #BudgetingHacks #MoneyManagement #FamilyFinance #SmartSpending #FrugalLiving #PersonalFinance
Likes : 4122Kumiko Love - 3.5K Likes - An expensive flank steak and over $300 later, I finished meal planning, prepping, and grocery shopping. I'm making four recipes next week with a plan to have one leftover day. For the past six months, I have tried desperately to keep my food budget at $600/mo. Today, I've realized I will have to increase it by $100/mo starting next month. That means another area of my budget will decrease. You are constantly making tradeoff decisions with your dollars, even when you don't realize it. You spend less in one area so you can spend more in another. Have you had to increase your food budget lately? It absolutely sucks! 😡 On the bright side, my meals are planned and ready to go! #mealplanning #budgetgoals #mealplan #mealprep #groceryshopping #grocerybudget #foodbudget #budgeting101

3.5K Likes – Kumiko Love Instagram

Caption : An expensive flank steak and over $300 later, I finished meal planning, prepping, and grocery shopping. I’m making four recipes next week with a plan to have one leftover day. For the past six months, I have tried desperately to keep my food budget at $600/mo. Today, I’ve realized I will have to increase it by $100/mo starting next month. That means another area of my budget will decrease. You are constantly making tradeoff decisions with your dollars, even when you don’t realize it. You spend less in one area so you can spend more in another. Have you had to increase your food budget lately? It absolutely sucks! 😡 On the bright side, my meals are planned and ready to go! #mealplanning #budgetgoals #mealplan #mealprep #groceryshopping #grocerybudget #foodbudget #budgeting101
Likes : 3521Kumiko Love - 3.5K Likes - 🎄 Christmas may feel far away, but it’s only 43 weeks away! If you start saving now, you could have: 💰 $5 per week = $215 💰 $10 per week = $430 💰 $20 per week = $860 💰 $50 per week = $2,150 A little planning now means a stress-free holiday later! 🎁✨ #ChristmasSavings #HolidayBudget #thebudgetmom Have you started saving for Christmas??

3.5K Likes – Kumiko Love Instagram

Caption : 🎄 Christmas may feel far away, but it’s only 43 weeks away! If you start saving now, you could have: 💰 $5 per week = $215 💰 $10 per week = $430 💰 $20 per week = $860 💰 $50 per week = $2,150 A little planning now means a stress-free holiday later! 🎁✨ #ChristmasSavings #HolidayBudget #thebudgetmom Have you started saving for Christmas??
Likes : 3458Kumiko Love - 3.4K Likes - I have had the same $500/mo food budget for years, mostly because I was in denial that I would need to spend more in this category. After months of recognizing patterns and coming to the realization that my food budget was just not working with today's prices, I decided to pivot and shift. In an article for CBS News, I read that food prices are 25% higher now than in January 2020. If I used that math, I would increase my food budget to $625. But that doesn't include an older boy who is now a preteen eating WAY MORE, and our decision to eat a little healthier. For the past three months, I have spent around $800-$900/mo on food, including eating out and grocery shopping (Chris pays for much of our eating out). So, I increased our food budget to $900/mo going forward. I still need to make some more permanent tweaks to my budget, but at least April is mapped out and finalized, and that feels really good.  Anyone else have to increase their food budget?! #foodbudget #budgeting #personalfinanceforwomen #budgetbypaycheck #thebudgetmom #grocerybudget

3.4K Likes – Kumiko Love Instagram

Caption : I have had the same $500/mo food budget for years, mostly because I was in denial that I would need to spend more in this category. After months of recognizing patterns and coming to the realization that my food budget was just not working with today’s prices, I decided to pivot and shift. In an article for CBS News, I read that food prices are 25% higher now than in January 2020. If I used that math, I would increase my food budget to $625. But that doesn’t include an older boy who is now a preteen eating WAY MORE, and our decision to eat a little healthier. For the past three months, I have spent around $800-$900/mo on food, including eating out and grocery shopping (Chris pays for much of our eating out). So, I increased our food budget to $900/mo going forward. I still need to make some more permanent tweaks to my budget, but at least April is mapped out and finalized, and that feels really good.  Anyone else have to increase their food budget?! #foodbudget #budgeting #personalfinanceforwomen #budgetbypaycheck #thebudgetmom #grocerybudget
Likes : 3385Kumiko Love - 3.2K Likes - Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! I bought the small binder from Amazon. It's A5 and linked in my Amazon shop. See the link in my bio. Here are the savings goals I'm saving for in cash in April: Husband's Bday - $67 4th of July - $17 James Bday - $58 Back-to-School - $8 Christmas - $182 Valentines - $8 Wedding Anniversary - $13 Sports - $15 What you decide to save depends on your financial situation and goals. Since I am debt-free, I can dedicate more of my income to saving for the future! #savingsgoals #cashsavings #moneygoals #thebudgetmom #financialgoals

3.2K Likes – Kumiko Love Instagram

Caption : Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! I bought the small binder from Amazon. It’s A5 and linked in my Amazon shop. See the link in my bio. Here are the savings goals I’m saving for in cash in April: Husband’s Bday – $67 4th of July – $17 James Bday – $58 Back-to-School – $8 Christmas – $182 Valentines – $8 Wedding Anniversary – $13 Sports – $15 What you decide to save depends on your financial situation and goals. Since I am debt-free, I can dedicate more of my income to saving for the future! #savingsgoals #cashsavings #moneygoals #thebudgetmom #financialgoals
Likes : 3215Kumiko Love - 3.1K Likes - The lesson: Believe in yourself more! It took me five years to overcome my fear of running in my first official race (besides Bloomsday), but I finally did it! I finished my first 10k! I have run longer distances in the past, but it's always been treadmill running. I was scared of the weather, the natural incline, and everything I could not control off the treadmill.  I wish I had believed in myself more and signed up for the half marathon. I felt extremely strong passing the finish line, and I knew I had it in me to do the additional miles. At mile 4, I had my fastest mile ever: 9.29. I have always been a slow runner. Usually, I run a 12-13-minute mile, but yesterday, I finished with a time of 1:10:12. I'm proud of this! The best part was seeing my husband and son waiting for me as I crossed the finish line and running this race for my mom (which I will continue to do for every race in the future).  When I got tired or started to doubt myself, I placed my hand over my heart, right where I placed my mom's photo button. I found strength in knowing she was there with me. Next time, I will believe in myself more and sign up for the half marathon next year. Until then, I want to have fun and practice doing more 10K runs! #yesyoucan #runningmakesmehappy #believeinyourself #first10k #ididthat #foryoumom #irunformymom

3.1K Likes – Kumiko Love Instagram

Caption : The lesson: Believe in yourself more! It took me five years to overcome my fear of running in my first official race (besides Bloomsday), but I finally did it! I finished my first 10k! I have run longer distances in the past, but it’s always been treadmill running. I was scared of the weather, the natural incline, and everything I could not control off the treadmill.  I wish I had believed in myself more and signed up for the half marathon. I felt extremely strong passing the finish line, and I knew I had it in me to do the additional miles. At mile 4, I had my fastest mile ever: 9.29. I have always been a slow runner. Usually, I run a 12-13-minute mile, but yesterday, I finished with a time of 1:10:12. I’m proud of this! The best part was seeing my husband and son waiting for me as I crossed the finish line and running this race for my mom (which I will continue to do for every race in the future).  When I got tired or started to doubt myself, I placed my hand over my heart, right where I placed my mom’s photo button. I found strength in knowing she was there with me. Next time, I will believe in myself more and sign up for the half marathon next year. Until then, I want to have fun and practice doing more 10K runs! #yesyoucan #runningmakesmehappy #believeinyourself #first10k #ididthat #foryoumom #irunformymom
Likes : 3112Kumiko Love - 3.1K Likes - If you want to pay off debt, you can't just make the payments. You have to do the hard work to understand your debt story. You have to be ready to face hard truths and correct spending habits and patterns. You have to be willing to learn more about yourself because it's a lifestyle change and CHOICE. Your debt picture won't change long-term until you can do the self-discovery work. #thebudgetmom #debtfreegoals #debtfreecommunity #debtfreedom #debtfreejourney #payingoffdebt

3.1K Likes – Kumiko Love Instagram

Caption : If you want to pay off debt, you can’t just make the payments. You have to do the hard work to understand your debt story. You have to be ready to face hard truths and correct spending habits and patterns. You have to be willing to learn more about yourself because it’s a lifestyle change and CHOICE. Your debt picture won’t change long-term until you can do the self-discovery work. #thebudgetmom #debtfreegoals #debtfreecommunity #debtfreedom #debtfreejourney #payingoffdebt
Likes : 3103Kumiko Love - 3K Likes - Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! Here are the savings goals I saved for in cash for March: Husband's Bday - $67 4th of July - $17 James Bday - $58 Back-to-School - $8 Christmas - $182 Valentines - $8 Wedding Anniversary - $13 Sports - $15 What you decide to save for depends on your financial situation and goals. Since I am debt-free, I can dedicate more of my income to saving for the future! #savingsgoals #cashsavings #moneygoals #thebudgetmom #financialgoals #savemoney #savingstips #savemoneychallenge #moneyplan #personalfinanceforwomen

3K Likes – Kumiko Love Instagram

Caption : Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! Here are the savings goals I saved for in cash for March: Husband’s Bday – $67 4th of July – $17 James Bday – $58 Back-to-School – $8 Christmas – $182 Valentines – $8 Wedding Anniversary – $13 Sports – $15 What you decide to save for depends on your financial situation and goals. Since I am debt-free, I can dedicate more of my income to saving for the future! #savingsgoals #cashsavings #moneygoals #thebudgetmom #financialgoals #savemoney #savingstips #savemoneychallenge #moneyplan #personalfinanceforwomen
Likes : 3027Kumiko Love - 2.7K Likes - If you want to be prepared for an upcoming holiday or expense, start now and with what you can—even if it's $10/mo. For example, if you save $25/mo for the rest of 2024, you will have $250 for Christmas. If you save $50/mo, you will have $500! That's better than $0. When you know you have a holiday, event, or expense in the future, start saving as early as possible. Give yourself as much time as you can to prepare. Heck, start saving for Valentine's Day in 2025. I have! I have a holiday goal of $2,000, which includes Christmas and Black Friday shopping. I started saving for this goal in January and I am saving $182/mo to reach my goal by November 2024. Plan, prepare, and save! #moneygoals #sinkingfunds #thebudgetmom #savingmoney #savingtips #savingsgoals

2.7K Likes – Kumiko Love Instagram

Caption : If you want to be prepared for an upcoming holiday or expense, start now and with what you can—even if it’s $10/mo. For example, if you save $25/mo for the rest of 2024, you will have $250 for Christmas. If you save $50/mo, you will have $500! That’s better than $0. When you know you have a holiday, event, or expense in the future, start saving as early as possible. Give yourself as much time as you can to prepare. Heck, start saving for Valentine’s Day in 2025. I have! I have a holiday goal of $2,000, which includes Christmas and Black Friday shopping. I started saving for this goal in January and I am saving $182/mo to reach my goal by November 2024. Plan, prepare, and save! #moneygoals #sinkingfunds #thebudgetmom #savingmoney #savingtips #savingsgoals
Likes : 2714Kumiko Love - 2.6K Likes - Was I the only one excited about the Facebook & Instagram outages? A social media break is always a good thing. 😊 #thebudgetmom

2.6K Likes – Kumiko Love Instagram

Caption : Was I the only one excited about the Facebook & Instagram outages? A social media break is always a good thing. 😊 #thebudgetmom
Likes : 2583Kumiko Love - 2.6K Likes - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅

2.6K Likes – Kumiko Love Instagram

Caption : ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Likes : 2551Kumiko Love - 2.6K Likes - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅

2.6K Likes – Kumiko Love Instagram

Caption : ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Likes : 2551Kumiko Love - 2.6K Likes - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅

2.6K Likes – Kumiko Love Instagram

Caption : ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Likes : 2551Kumiko Love - 2.6K Likes - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅

2.6K Likes – Kumiko Love Instagram

Caption : ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Likes : 2551Kumiko Love - 2.6K Likes - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅

2.6K Likes – Kumiko Love Instagram

Caption : ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Likes : 2551Kumiko Love - 2.6K Likes - ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅

2.6K Likes – Kumiko Love Instagram

Caption : ‼️GIVEAWAY CLOSED‼️ CONGRATS TO: @_infamousqueen_ @sierraordona @mistynasorensen @msjaye @designed_by_astrid It’s time for a GIVEAWAY!! 🎉 This is a giveaway that I’ve never done before. For this giveaway, I am giving FIVE lucky people an enrollment into the Building Blocks of Budgeting Course (value = $260) This course is jam-packed with over 60 videos and 100 printables, discussing everything from money mindset, retirement, investing, and even finances with a partner. Not only that, but it has the extremely popular Budget by Paycheck Workbook in Excel and Google Sheets versions. Be sure to swipe through the slides above to read more about what is included in the course. HOW TO ENTER: 1. Follow @thebudgetmom on Instagram 2. Like this post 3. Tag a friend in the comments (tag up to three for 3 entries) 4. Bonus Entry: Share this post NOTE: To protect your privacy and safety, please remember that @TheBudgetMom is our ONLY social media handle on all social media platforms. Any modification to that handle is NOT affiliated with The Budget Mom. Terms & Conditions: Winners must be 18 years of age. No purchase necessary to win or enter the giveaway. Giveaway starts 4/12/24 at 12PM PST and ends on 4/15/24 at 11:59PM PST. Only entries within that timeframe are eligible for the giveaway. Five (5) winners will be chosen at random and announced on 4/16/24. All winners will be notified via Instagram DM and has 48 hours to respond until a new winner is selected. Prize consists of free enrollment into the Building Blocks of Budgeting Course (value = $260) Giveaway is in no way sponsored or endorsed by Instagram. *I apologize for the typo 😅
Likes : 2551Kumiko Love - 2.5K Likes - The Budget by Paycheck Method was created after my failed attempts at budgeting. For the longest time, I thought I was a failure. It took me awhile to understand that I wasn’t a failure, the systems and methods I was using were failing me. They weren’t for me and that’s okay. I made it my mission to find something that clicked. I took parts of other budgeting methods that worked, and added them to my budgeting process. Here are the steps to the BBP Method: 1. Find your why- Why are you on this financial journey? 2. Track spending- Bring financial awareness into your life. This is realizing your true spending and where your dollars go month to month. 3. Identify regular bills- What bills do you HAVE to pay each month? These include things like rent, utilities, minimum debt payments, etc. 4. Cash envelopes- This is where you also identify your variable expenses or those expenses that fluctuate each month. Once they're identified, you set a realistic amount on how much you want to spend on each of those categories. 5. Budget calendar- When you think about your budget, it's easy to remember your bills, but what about all of the other life events that cost money? Your budget calendar will be your guiding light when planning out your paychecks. 6. Prioritize savings goals- Figure out what matters most to you and tackle your goals in order of importance. 7. Create a debt plan- Are you wanting to pay off the lowest balances first? Or those with the highest interest rate? 8. Paycheck budget tracker- This is where you map out each paycheck and figure out what paycheck will pay what bills. 9. Tweak and perfect- Remember, the first budget you create isn't set in stone. Tweak and perfect what might not work for you. Although this method and process might seem overwhelming, tackling one step at a time will set you up in the best way. Remember, your financial journey isn't only about the numbers. It's also about learning about yourself and why you spend money the way you do. If you're looking for where to start, be sure to click the link in my bio to access my free budgeting course. Raise your hand if you use the Budget by Paycheck Method! 🙋‍♀️

2.5K Likes – Kumiko Love Instagram

Caption : The Budget by Paycheck Method was created after my failed attempts at budgeting. For the longest time, I thought I was a failure. It took me awhile to understand that I wasn’t a failure, the systems and methods I was using were failing me. They weren’t for me and that’s okay. I made it my mission to find something that clicked. I took parts of other budgeting methods that worked, and added them to my budgeting process. Here are the steps to the BBP Method: 1. Find your why- Why are you on this financial journey? 2. Track spending- Bring financial awareness into your life. This is realizing your true spending and where your dollars go month to month. 3. Identify regular bills- What bills do you HAVE to pay each month? These include things like rent, utilities, minimum debt payments, etc. 4. Cash envelopes- This is where you also identify your variable expenses or those expenses that fluctuate each month. Once they’re identified, you set a realistic amount on how much you want to spend on each of those categories. 5. Budget calendar- When you think about your budget, it’s easy to remember your bills, but what about all of the other life events that cost money? Your budget calendar will be your guiding light when planning out your paychecks. 6. Prioritize savings goals- Figure out what matters most to you and tackle your goals in order of importance. 7. Create a debt plan- Are you wanting to pay off the lowest balances first? Or those with the highest interest rate? 8. Paycheck budget tracker- This is where you map out each paycheck and figure out what paycheck will pay what bills. 9. Tweak and perfect- Remember, the first budget you create isn’t set in stone. Tweak and perfect what might not work for you. Although this method and process might seem overwhelming, tackling one step at a time will set you up in the best way. Remember, your financial journey isn’t only about the numbers. It’s also about learning about yourself and why you spend money the way you do. If you’re looking for where to start, be sure to click the link in my bio to access my free budgeting course. Raise your hand if you use the Budget by Paycheck Method! 🙋‍♀️
Likes : 2501Kumiko Love - 2.5K Likes - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

2.5K Likes – Kumiko Love Instagram

Caption : Comment TBMFAMILY and I’ll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I’ve realized that success isn’t just about numbers. It’s about the people we choose to walk alongside. The saying, “Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path,” is profoundly true. This lesson extends beyond your financial journey; it’s about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here’s to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Likes : 2482Kumiko Love - 2.5K Likes - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

2.5K Likes – Kumiko Love Instagram

Caption : Comment TBMFAMILY and I’ll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I’ve realized that success isn’t just about numbers. It’s about the people we choose to walk alongside. The saying, “Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path,” is profoundly true. This lesson extends beyond your financial journey; it’s about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here’s to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Likes : 2482Kumiko Love - 2.5K Likes - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

2.5K Likes – Kumiko Love Instagram

Caption : Comment TBMFAMILY and I’ll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I’ve realized that success isn’t just about numbers. It’s about the people we choose to walk alongside. The saying, “Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path,” is profoundly true. This lesson extends beyond your financial journey; it’s about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here’s to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Likes : 2482Kumiko Love - 2.5K Likes - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

2.5K Likes – Kumiko Love Instagram

Caption : Comment TBMFAMILY and I’ll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I’ve realized that success isn’t just about numbers. It’s about the people we choose to walk alongside. The saying, “Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path,” is profoundly true. This lesson extends beyond your financial journey; it’s about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here’s to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Likes : 2482Kumiko Love - 2.5K Likes - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

2.5K Likes – Kumiko Love Instagram

Caption : Comment TBMFAMILY and I’ll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I’ve realized that success isn’t just about numbers. It’s about the people we choose to walk alongside. The saying, “Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path,” is profoundly true. This lesson extends beyond your financial journey; it’s about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here’s to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Likes : 2482Kumiko Love - 2.5K Likes - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

2.5K Likes – Kumiko Love Instagram

Caption : Comment TBMFAMILY and I’ll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I’ve realized that success isn’t just about numbers. It’s about the people we choose to walk alongside. The saying, “Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path,” is profoundly true. This lesson extends beyond your financial journey; it’s about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here’s to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬  #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen
Likes : 2482Kumiko Love - 2.3K Likes - Welcome to my March budget! The joint checking account for baby spending and expenses has worked great for Chris and me! We do our finances separately for the most part, but we do have savings goals and spending together. Dante's $250/mo 529 College Investment Account contribution comes from our joint checking account and is not shown in my fixed expenses.  If you are in a relationship, the way you manage your finances as a partnership is up to YOU. It doesn't matter what anyone else thinks. The same can be said about your budget and spending. YOU DO YOU! Has anyone else finished their March budget and is ready to tackle the new month?!!! #thebudgetmom #budgetwithme #budgettips #budgetgoals #budgetbypaycheckworkbook #budgetbypaycheck #budgetbypaycheckmethod #budgetingforbeginners #personalfinanceforwomen #financialfreedom #wednesdaymotivation #budgetplanner #budgetmum

2.3K Likes – Kumiko Love Instagram

Caption : Welcome to my March budget! The joint checking account for baby spending and expenses has worked great for Chris and me! We do our finances separately for the most part, but we do have savings goals and spending together. Dante’s $250/mo 529 College Investment Account contribution comes from our joint checking account and is not shown in my fixed expenses.  If you are in a relationship, the way you manage your finances as a partnership is up to YOU. It doesn’t matter what anyone else thinks. The same can be said about your budget and spending. YOU DO YOU! Has anyone else finished their March budget and is ready to tackle the new month?!!! #thebudgetmom #budgetwithme #budgettips #budgetgoals #budgetbypaycheckworkbook #budgetbypaycheck #budgetbypaycheckmethod #budgetingforbeginners #personalfinanceforwomen #financialfreedom #wednesdaymotivation #budgetplanner #budgetmum
Likes : 2315Kumiko Love - 2.2K Likes - Before I create my budget, there is one thing I never skip and always do. I create a roadmap for my spending. So, let's talk about why I create a budget calendar and what things I always put on it. Creating a calendar is an excellent reminder that a budget is not for paying the bills. Completing this step before planning your spending on a budget ensures you are prepared and ready for REAL LIFE. You are less likely to forget expenses that are coming up. I always include the following things: #1) Fixed Expenses or my bills. This is helpful because I can use different highlighter colors to identify what bills I am paying for different paychecks. For example, highlight all of the bills you are paying with your first paycheck in blue. Highlight all of the bills you are paying for your second paycheck in yellow. #2) Events. If you have an event like your kid's soccer game, a work lunch, or dinner with friends, write it down and what you plan to spend. #3) Reminders. I like to write down things that could affect my budget, such as meal planning, setting up a vet appointment for one of my dogs, or needing to call and schedule a doctor's appointment. #4) Holidays. Hopefully, you are prepared for holiday spending with sinking funds, but if you aren't, keep track of the holidays and write down a dedicated budget for each. #5)Appointments. Don't forget copays, medical expenses, or beauty appointments. #6) Travel. I always like to mark down my traveling days with my estimated vacation budget. This is helpful because it will affect other areas of my budget, like grocery spending. Your budget calendar is your real-life spending roadmap. If you plan on spending money on something, it should be on your calendar!! #thebudgetmom #budget #budgettips #budgetbypaycheck #budgetbypaycheckmethod #budgetbypaycheckworkbook #budgeting101 #budgetingforbeginners

2.2K Likes – Kumiko Love Instagram

Caption : Before I create my budget, there is one thing I never skip and always do. I create a roadmap for my spending. So, let’s talk about why I create a budget calendar and what things I always put on it. Creating a calendar is an excellent reminder that a budget is not for paying the bills. Completing this step before planning your spending on a budget ensures you are prepared and ready for REAL LIFE. You are less likely to forget expenses that are coming up. I always include the following things: #1) Fixed Expenses or my bills. This is helpful because I can use different highlighter colors to identify what bills I am paying for different paychecks. For example, highlight all of the bills you are paying with your first paycheck in blue. Highlight all of the bills you are paying for your second paycheck in yellow. #2) Events. If you have an event like your kid’s soccer game, a work lunch, or dinner with friends, write it down and what you plan to spend. #3) Reminders. I like to write down things that could affect my budget, such as meal planning, setting up a vet appointment for one of my dogs, or needing to call and schedule a doctor’s appointment. #4) Holidays. Hopefully, you are prepared for holiday spending with sinking funds, but if you aren’t, keep track of the holidays and write down a dedicated budget for each. #5)Appointments. Don’t forget copays, medical expenses, or beauty appointments. #6) Travel. I always like to mark down my traveling days with my estimated vacation budget. This is helpful because it will affect other areas of my budget, like grocery spending. Your budget calendar is your real-life spending roadmap. If you plan on spending money on something, it should be on your calendar!! #thebudgetmom #budget #budgettips #budgetbypaycheck #budgetbypaycheckmethod #budgetbypaycheckworkbook #budgeting101 #budgetingforbeginners
Likes : 2221Kumiko Love - 2.2K Likes - I use debt. I don't have debt. There's a difference. Having debt means owing money, carrying a balance, and paying interest. "Using" debt means using it for beneficial gain while paying off the balance before interest kicks in. I often get asked how I maintain a credit score above 800 without having debt. It's because I use debt, and I don't have debt. I use a personal & business credit card, and then I pay it off every month before any interest kicks in or accumulates. I don't use my Venture One personal card very often, but I use my Spark Business card every single month. In fact, every business expense gets put on the business credit card, and then I always pay off the entire statement balance by the due date. The credit card rewards that I have earned are paying for plane tickets to Arizona and Cabo and part of my Switzerland trip this year. I am not spending more to get the rewards; I am simply getting the rewards for things I would need to purchase anyway. It took me years to trust myself enough to use credit cards after becoming debt-free in 2019. I had to have enough confidence in my ability to use them responsibly. DO NOT USE CREDIT CARDS OR ANY OTHER FORM OF DEBT UNLESS YOU CAN PAY IT OFF EVERY MONTH OR USE DEBT RESPONSIBLY!!! It is possible to USE debt and not HAVE debt. It took me a really long time to realize this. What do you think? Do you think the rewards make using credit cards worth it? Or do you think credit cards are a trap? #thebudgetmom #debtfreecommunity #debtfreegoals #debtfreejourney #debtfreedom #payoffdebt #creditcardtips #creditcardrewards #debtpayoff #moneygoals

2.2K Likes – Kumiko Love Instagram

Caption : I use debt. I don’t have debt. There’s a difference. Having debt means owing money, carrying a balance, and paying interest. “Using” debt means using it for beneficial gain while paying off the balance before interest kicks in. I often get asked how I maintain a credit score above 800 without having debt. It’s because I use debt, and I don’t have debt. I use a personal & business credit card, and then I pay it off every month before any interest kicks in or accumulates. I don’t use my Venture One personal card very often, but I use my Spark Business card every single month. In fact, every business expense gets put on the business credit card, and then I always pay off the entire statement balance by the due date. The credit card rewards that I have earned are paying for plane tickets to Arizona and Cabo and part of my Switzerland trip this year. I am not spending more to get the rewards; I am simply getting the rewards for things I would need to purchase anyway. It took me years to trust myself enough to use credit cards after becoming debt-free in 2019. I had to have enough confidence in my ability to use them responsibly. DO NOT USE CREDIT CARDS OR ANY OTHER FORM OF DEBT UNLESS YOU CAN PAY IT OFF EVERY MONTH OR USE DEBT RESPONSIBLY!!! It is possible to USE debt and not HAVE debt. It took me a really long time to realize this. What do you think? Do you think the rewards make using credit cards worth it? Or do you think credit cards are a trap? #thebudgetmom #debtfreecommunity #debtfreegoals #debtfreejourney #debtfreedom #payoffdebt #creditcardtips #creditcardrewards #debtpayoff #moneygoals
Likes : 2190Kumiko Love - 2.2K Likes - When my therapist asked me this question, it changed everything for me. Here's why. I had to stop valuing my worth in achievements and learn that I am more than my accomplishments. I could have answered with: I am Kumiko Love, a national bestselling author, owner of a multi-million dollar company, creator of a successful natural skin-care business, blah, blah, blah. Does this mean I am not super proud of what I have accomplished? No. It means I realized my worth is not tied to just those accomplishments. After much thought, here was my answer to her question: 🩷 I am married to my best friend, who gives me ultimate support. 🩷 I am an honored boy mom to a 12-year-old and 7-month-old. 🩷 I cherish my friendships because they are my family. 🩷 I practice kindness and compassion every day. 🩷 I love to help people. 🩷 I develop new passions easily. 🩷 I love a clean and organized environment. 🩷 I cherish every single moment I am here. I don't know about you, but I would rather leave this earth and be remembered for those things. List two things that tell me who you are without listing any of your accomplishments. Trust me; you will see yourself differently after doing this exercise! #thebudgetmom #selflove #selfworth #selfempowerment #moneymotivation #tbmfamily #momboss #entrepreneurmindset #humbleyourself #whatreallymatters #selfesteemtips

2.2K Likes – Kumiko Love Instagram

Caption : When my therapist asked me this question, it changed everything for me. Here’s why. I had to stop valuing my worth in achievements and learn that I am more than my accomplishments. I could have answered with: I am Kumiko Love, a national bestselling author, owner of a multi-million dollar company, creator of a successful natural skin-care business, blah, blah, blah. Does this mean I am not super proud of what I have accomplished? No. It means I realized my worth is not tied to just those accomplishments. After much thought, here was my answer to her question: 🩷 I am married to my best friend, who gives me ultimate support. 🩷 I am an honored boy mom to a 12-year-old and 7-month-old. 🩷 I cherish my friendships because they are my family. 🩷 I practice kindness and compassion every day. 🩷 I love to help people. 🩷 I develop new passions easily. 🩷 I love a clean and organized environment. 🩷 I cherish every single moment I am here. I don’t know about you, but I would rather leave this earth and be remembered for those things. List two things that tell me who you are without listing any of your accomplishments. Trust me; you will see yourself differently after doing this exercise! #thebudgetmom #selflove #selfworth #selfempowerment #moneymotivation #tbmfamily #momboss #entrepreneurmindset #humbleyourself #whatreallymatters #selfesteemtips
Likes : 2187Kumiko Love - 2.1K Likes - Why is tracking your spending so important?? YOU CAN'T CHANGE WHAT YOU DON'T KNOW. Furthermore, you can't improve if you don't know where you are starting. Everyone's spending will look different because everyone has different goals, values, and life events. With a clear understanding of your spending habits, it can be easier to make informed decisions and meet your financial goals. Tracking your spending helps you identify areas where you may be spending more than you should, helping you curb unnecessary expenses. It allows you to reduce non-essential purchases and focus on what's important to you. Here are some other HUGE benefits of tracking your spending: Debt management: By tracking your expenses, you can identify opportunities to allocate more funds towards debt repayment, tackle high-interest debt first, and make informed decisions that lead to financial stability. Saving and investing: You can identify areas where you can save more or invest wisely. Tracking spending helps you set realistic savings goals, contribute to retirement accounts, and invest in assets that can grow your wealth over time. Financial awareness and control: Tracking your spending promotes financial awareness and control. You become more conscious of your financial decisions, avoid impulsive purchases, and make informed choices about how you want to use your money. This awareness and control lead to better financial well-being and the ability to build wealth over time. Have you discovered any surprising spending patterns through tracking your spending? #budgeting #financialplanning #personalfinance #moneymanagement #spendingtracker #budgettips #financialfreedom #savemoney #financialgoals #moneytracking #moneytips #budgeting101 #debtfreejourney  #financialwellness  #budgetplanning #frugalliving #financialhabits #smartspending #moneysavingtips #financialawareness #thebudgetmom #budgetmom

2.1K Likes – Kumiko Love Instagram

Caption : Why is tracking your spending so important?? YOU CAN’T CHANGE WHAT YOU DON’T KNOW. Furthermore, you can’t improve if you don’t know where you are starting. Everyone’s spending will look different because everyone has different goals, values, and life events. With a clear understanding of your spending habits, it can be easier to make informed decisions and meet your financial goals. Tracking your spending helps you identify areas where you may be spending more than you should, helping you curb unnecessary expenses. It allows you to reduce non-essential purchases and focus on what’s important to you. Here are some other HUGE benefits of tracking your spending: Debt management: By tracking your expenses, you can identify opportunities to allocate more funds towards debt repayment, tackle high-interest debt first, and make informed decisions that lead to financial stability. Saving and investing: You can identify areas where you can save more or invest wisely. Tracking spending helps you set realistic savings goals, contribute to retirement accounts, and invest in assets that can grow your wealth over time. Financial awareness and control: Tracking your spending promotes financial awareness and control. You become more conscious of your financial decisions, avoid impulsive purchases, and make informed choices about how you want to use your money. This awareness and control lead to better financial well-being and the ability to build wealth over time. Have you discovered any surprising spending patterns through tracking your spending? #budgeting #financialplanning #personalfinance #moneymanagement #spendingtracker #budgettips #financialfreedom #savemoney #financialgoals #moneytracking #moneytips #budgeting101 #debtfreejourney  #financialwellness  #budgetplanning #frugalliving #financialhabits #smartspending #moneysavingtips #financialawareness #thebudgetmom #budgetmom
Likes : 2145Kumiko Love - 2.1K Likes - Yep. I'm not going to pretend that I'm out here saving hundreds on groceries by clipping coupons or signing up for rewards programs. Do those things help? Absolutely! But the truth is... Groceries are expensive. Period. Your diet restrictions, where you live, and your family size all play a roll on how much you will spend on groceries. That's why I never say "you should be spending XYZ" on groceries. There is no baseline or magic amount that you "should" be spending. Find deals and coupons where you can. Either online or store flyers. Also, sign up for loyalty programs. Shop your pantry, fridge, and freezer first. Your home should always be your first grocery store. Earn cash back for things you already buy with apps like Fetch Rewards (see my highlight bubble for more information). Have a plan and grocery list, and stick to them. Use grocery pickup to help with impulse purchases and temptations. Oh, don't be like me, and forget your grocery bags in the back of your car. I remembered for this trip! And then... You still have moments like this. It's just the truth. Create that checking account cushion and that miscellaneous spending category in your budget for weeks where things are a little more expensive than you planned. Life happens. Give yourself grace to do better next time!🫶 #thebudgetmom #groceryshopping #groceryhaul #budgetlife #reallifemom #mealplanning #grocerybudget

2.1K Likes – Kumiko Love Instagram

Caption : Yep. I’m not going to pretend that I’m out here saving hundreds on groceries by clipping coupons or signing up for rewards programs. Do those things help? Absolutely! But the truth is… Groceries are expensive. Period. Your diet restrictions, where you live, and your family size all play a roll on how much you will spend on groceries. That’s why I never say “you should be spending XYZ” on groceries. There is no baseline or magic amount that you “should” be spending. Find deals and coupons where you can. Either online or store flyers. Also, sign up for loyalty programs. Shop your pantry, fridge, and freezer first. Your home should always be your first grocery store. Earn cash back for things you already buy with apps like Fetch Rewards (see my highlight bubble for more information). Have a plan and grocery list, and stick to them. Use grocery pickup to help with impulse purchases and temptations. Oh, don’t be like me, and forget your grocery bags in the back of your car. I remembered for this trip! And then… You still have moments like this. It’s just the truth. Create that checking account cushion and that miscellaneous spending category in your budget for weeks where things are a little more expensive than you planned. Life happens. Give yourself grace to do better next time!🫶 #thebudgetmom #groceryshopping #groceryhaul #budgetlife #reallifemom #mealplanning #grocerybudget
Likes : 2133Kumiko Love - 2.1K Likes - Comment TBMWALLET and I will send you a link to our new wallet organizers!! After a year, I am finally able to share the wallet I have been using with the world! I LOVE how many pockets this wallet has: the zip enclosure for change, multiple card slots, large pockets for spending trackers or recipes, a pen holder, and, of course, the 6-ring binder to hold my cash envelopes! For the launch of the new TBM Wallets, we have added an exclusive set of cash envelopes made from the same material as our indestructible ship-to-your-door sets! The envelopes will be hole-punched to fit the wallet and accompanied by matching spending trackers! For more information, comment TBMWALLET and I will send you the link.! #thebudgetmom #budgetbypaycheck #cashenvelopemethod #cashenvelopes #walletforwomen #cashenvelopewallet #walletorganizer #cashspender

2.1K Likes – Kumiko Love Instagram

Caption : Comment TBMWALLET and I will send you a link to our new wallet organizers!! After a year, I am finally able to share the wallet I have been using with the world! I LOVE how many pockets this wallet has: the zip enclosure for change, multiple card slots, large pockets for spending trackers or recipes, a pen holder, and, of course, the 6-ring binder to hold my cash envelopes! For the launch of the new TBM Wallets, we have added an exclusive set of cash envelopes made from the same material as our indestructible ship-to-your-door sets! The envelopes will be hole-punched to fit the wallet and accompanied by matching spending trackers! For more information, comment TBMWALLET and I will send you the link.! #thebudgetmom #budgetbypaycheck #cashenvelopemethod #cashenvelopes #walletforwomen #cashenvelopewallet #walletorganizer #cashspender
Likes : 2065Kumiko Love - 2K Likes - Yesterday, I received a message asking, "When I set goals, I dream too big, and then I get discouraged knowing that I will probably never reach my dreams in my lifetime. How do you dream big without feeling defeated or discouraged, knowing you will never get there?" When I stopped telling myself I would never have something and removed the word "impossible" from my vocabulary, I had a very different mindset about dreaming big. You can dream big and find balance with reality. You will never have the opportunity to surprise yourself if you never take action. You can never look beyond your current circumstances unless you have big dreams. If you haven't already, I suggest you create a vision board. I bought my board from Amazon, and I like to fill it with pictures and aspirations. When you create a vision board, you are externalizing your intentions and creating a tangible reminder of what you are working towards. It can help you clarify your goals, keep you focused on your aspirations, and motivate you to take action towards achieving them. Don't just fill it with the things you want. Print out pictures that make you feel good, give you hope, and motivate you. Let it be a source of inspiration—a constant reminder of where you are heading and the life you want to live. I have found that promoting visualization in my life is a key component of my success. It's all about aligning your thoughts, dreams, and actions! Do you have a vision board? #dreambig #visualizeyourdreams #visionboard #moneygoals #financialjourney #financialgoals #manifestyourlife #believeinyourdreams #bigdreamsbiggoals #thebudgetmom

2K Likes – Kumiko Love Instagram

Caption : Yesterday, I received a message asking, “When I set goals, I dream too big, and then I get discouraged knowing that I will probably never reach my dreams in my lifetime. How do you dream big without feeling defeated or discouraged, knowing you will never get there?” When I stopped telling myself I would never have something and removed the word “impossible” from my vocabulary, I had a very different mindset about dreaming big. You can dream big and find balance with reality. You will never have the opportunity to surprise yourself if you never take action. You can never look beyond your current circumstances unless you have big dreams. If you haven’t already, I suggest you create a vision board. I bought my board from Amazon, and I like to fill it with pictures and aspirations. When you create a vision board, you are externalizing your intentions and creating a tangible reminder of what you are working towards. It can help you clarify your goals, keep you focused on your aspirations, and motivate you to take action towards achieving them. Don’t just fill it with the things you want. Print out pictures that make you feel good, give you hope, and motivate you. Let it be a source of inspiration—a constant reminder of where you are heading and the life you want to live. I have found that promoting visualization in my life is a key component of my success. It’s all about aligning your thoughts, dreams, and actions! Do you have a vision board? #dreambig #visualizeyourdreams #visionboard #moneygoals #financialjourney #financialgoals #manifestyourlife #believeinyourdreams #bigdreamsbiggoals #thebudgetmom
Likes : 1979Kumiko Love - 2K Likes - Literally, the best feeling! Creating a plan to make your money work for you is the ultimate goal! If you need help, comment BLUEPRINT and I will send you my FREE budget course that walks you through every step of the process! #TheBudgetMom #moneyplan #moneygoals #paycheckbudget #budgetbycheck #budgetgoals #budget

2K Likes – Kumiko Love Instagram

Caption : Literally, the best feeling! Creating a plan to make your money work for you is the ultimate goal! If you need help, comment BLUEPRINT and I will send you my FREE budget course that walks you through every step of the process! #TheBudgetMom #moneyplan #moneygoals #paycheckbudget #budgetbycheck #budgetgoals #budget
Likes : 1971Kumiko Love - 2K Likes - When should you use a high-yield savings account? If you want to save for a short to medium-term goal without the risk of investing, a HYSA is a good option! For my emergency fund, I keep about 25%  in my savings account at my credit union and the rest, 75%, in a high-yield savings account with Ally. I do this because it would take up to 1-2 days to get my money from Ally, so I like to have the option of immediate cash from my credit union. When searching for a high-yield savings account, here are the things you want to look for: ✔️ Easy access to your money ✔️ Competitive rates ✔️ No bank fees ✔️ Has FDIC insurance I have heard great things about SoFi, CiTBank, and Capital One but have never used them personally. Do you want to earn more on your savings? 😫 Let's talk solutions! Have you looked into high-yield savings accounts as an option? Share your thoughts and questions below! #BoostYourSavings #FinancialWellness #GrowYourMoney #SavingsGoals #HighYieldSavings #SmartSavings #thebudgetmom

2K Likes – Kumiko Love Instagram

Caption : When should you use a high-yield savings account? If you want to save for a short to medium-term goal without the risk of investing, a HYSA is a good option! For my emergency fund, I keep about 25%  in my savings account at my credit union and the rest, 75%, in a high-yield savings account with Ally. I do this because it would take up to 1-2 days to get my money from Ally, so I like to have the option of immediate cash from my credit union. When searching for a high-yield savings account, here are the things you want to look for: ✔️ Easy access to your money ✔️ Competitive rates ✔️ No bank fees ✔️ Has FDIC insurance I have heard great things about SoFi, CiTBank, and Capital One but have never used them personally. Do you want to earn more on your savings? 😫 Let’s talk solutions! Have you looked into high-yield savings accounts as an option? Share your thoughts and questions below! #BoostYourSavings #FinancialWellness #GrowYourMoney #SavingsGoals #HighYieldSavings #SmartSavings #thebudgetmom
Likes : 1951Kumiko Love - 1.9K Likes - A little post-workout prep talk! 🖐🎤 #thebudgetmom #budgetgoals #financialfreedom #financialjourney #moneygoals #budgetbypaycheckworkbook #budgetbypaycheck #budgetbypaycheckmethod #budgettips #budgeting101 #startnownottomorrow #debtfreegoals #debtfreecommunity #financialempowerment #moneymotivation

1.9K Likes – Kumiko Love Instagram

Caption : A little post-workout prep talk! 🖐🎤 #thebudgetmom #budgetgoals #financialfreedom #financialjourney #moneygoals #budgetbypaycheckworkbook #budgetbypaycheck #budgetbypaycheckmethod #budgettips #budgeting101 #startnownottomorrow #debtfreegoals #debtfreecommunity #financialempowerment #moneymotivation
Likes : 1934Kumiko Love - 1.9K Likes - 2024 hit different. These are 5 powerful lessons I learned that changed how I will be in 2025 and beyond. Maybe one of them will resonate with you, too. 👇   1️⃣ Find your people. Stop wasting energy on people who don’t love, support, or truly see you. The right people will make you feel valued without demanding you change who you are. Focus on the relationships that nurture your soul, not drain it. 2️⃣ You don’t have to do it all. Trying to carry everything on your own shoulders leads to burnout, not fulfillment. It's okay to ask for help, say no, and protect your peace. 3️⃣ You can change your mind. You’re allowed to grow, evolve, and outgrow things that no longer serve you—whether that’s beliefs, goals, or even people. Growth is not betrayal; it’s self-respect. 4️⃣ Success without joy isn’t worth it. Reaching your goals means nothing if you’re miserable when you get there. True success is when joy accompanies your progress. 5️⃣ Healing is messy. Growth, healing, and grief aren’t linear. But every step, forward or back, still matters. If these lessons hit home for you, follow @thebudgetmom for more inspiration, mindful money management, and real-life money tips.  What’s one lesson 2024 taught you? Share it in the comments, and don’t forget to follow @thebudgetmom so we can grow together in 2025! 🌟 #moneygoals2025 #personalfinancejourney #financialwellness #mindfulspending #healingandgrowth #selfimprovementtips #intentionalmoney #growthmindset2024 #successandhappiness #moneymindsetshift #thebudgetmom #livewithintention #financialindependencejourney #selfgrowthjourney #betterwithmoney #mentalhealthandmoney #lifelessonslearned #moneyandlife  #thebudgetmom

1.9K Likes – Kumiko Love Instagram

Caption : 2024 hit different. These are 5 powerful lessons I learned that changed how I will be in 2025 and beyond. Maybe one of them will resonate with you, too. 👇   1️⃣ Find your people. Stop wasting energy on people who don’t love, support, or truly see you. The right people will make you feel valued without demanding you change who you are. Focus on the relationships that nurture your soul, not drain it. 2️⃣ You don’t have to do it all. Trying to carry everything on your own shoulders leads to burnout, not fulfillment. It’s okay to ask for help, say no, and protect your peace. 3️⃣ You can change your mind. You’re allowed to grow, evolve, and outgrow things that no longer serve you—whether that’s beliefs, goals, or even people. Growth is not betrayal; it’s self-respect. 4️⃣ Success without joy isn’t worth it. Reaching your goals means nothing if you’re miserable when you get there. True success is when joy accompanies your progress. 5️⃣ Healing is messy. Growth, healing, and grief aren’t linear. But every step, forward or back, still matters. If these lessons hit home for you, follow @thebudgetmom for more inspiration, mindful money management, and real-life money tips.  What’s one lesson 2024 taught you? Share it in the comments, and don’t forget to follow @thebudgetmom so we can grow together in 2025! 🌟 #moneygoals2025 #personalfinancejourney #financialwellness #mindfulspending #healingandgrowth #selfimprovementtips #intentionalmoney #growthmindset2024 #successandhappiness #moneymindsetshift #thebudgetmom #livewithintention #financialindependencejourney #selfgrowthjourney #betterwithmoney #mentalhealthandmoney #lifelessonslearned #moneyandlife  #thebudgetmom
Likes : 1904Kumiko Love - 1.9K Likes - Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! I remember when I used to get made fun of for saving $5/mo for a savings goal. It seems like that wouldn't make that much of a difference. BUT IT DOES. When the time comes, and you need that cash, it makes ALL THE DIFFERENCE. Remember, saving money is all about consistency and building up the habit. It's giving your savings a dedicated purpose, so you are less likely to spend it! No matter the dollar amount, keep up the habit!! I got the A5 6-ring binder from Amazon! You can find the link to my Amazon shop in my bio. If you would like the envelopes and savings trackers, comment SAVINGS2024! #thebudgetmom #sinkingfunds #savingmoney #savemoney #savingsgoals #savingtips #savemoneylivebetter #personalfinance

1.9K Likes – Kumiko Love Instagram

Caption : Comment SAVINGS2024 and I will send you an exclusive link for 10% off our new Savings Goals Bundle, which includes 36 savings envelopes and trackers! I remember when I used to get made fun of for saving $5/mo for a savings goal. It seems like that wouldn’t make that much of a difference. BUT IT DOES. When the time comes, and you need that cash, it makes ALL THE DIFFERENCE. Remember, saving money is all about consistency and building up the habit. It’s giving your savings a dedicated purpose, so you are less likely to spend it! No matter the dollar amount, keep up the habit!! I got the A5 6-ring binder from Amazon! You can find the link to my Amazon shop in my bio. If you would like the envelopes and savings trackers, comment SAVINGS2024! #thebudgetmom #sinkingfunds #savingmoney #savemoney #savingsgoals #savingtips #savemoneylivebetter #personalfinance
Likes : 1900Kumiko Love - 1.9K Likes - ✨️Ready to learn even more and get access to exclusive content?✨️ The Budget Mom subscription is finally here!! For years, I have been trying to figure out how to share even more of my journey - beyond just the budget! I knew I was going to put in a ton of time and effort into this project, and I wanted to make it impactful & and helpful, but I never knew how I could make it sustainable. Finally, I decided to do The Budget Mom Insider Subscription! Click on the subscription box in my bio to get signed up. You have to use your phone for this step! What does this include?: ✨️ One dedicated weekly series every month ✨️ Meal plan recipes & more recipe creation videos ✨️ One Instagram Live every month (Q&A) ✨️ Access to The Miko Love secret podcast episodes (one per month) ✨️ More day to day behind the scenes content (Gardening, Holiday Planning, Vacation Content, Soap Making, Homesteading, Sourdough & Baking, Finance, etc.) I am so excited to get started on our first series next Monday, which will be the How To Start Challenge where I'm going to breakdown the Budget By Paycheck Method step-by-step on video, so we can all do it together! I want every single Insider to know how to start this process! #TheBudgetMomInsiders See my stories today for more information! Ahhhhh! I've been working on this for the past five months, and I'm so excited to finally start and share everything with you!! #thebudgetmom #budgetbypaycheck #budgeting101 #moneygoals #personalfinance #Budget #debtfreecommunity #savemoney #liveyourbestlife

1.9K Likes – Kumiko Love Instagram

Caption : ✨️Ready to learn even more and get access to exclusive content?✨️ The Budget Mom subscription is finally here!! For years, I have been trying to figure out how to share even more of my journey – beyond just the budget! I knew I was going to put in a ton of time and effort into this project, and I wanted to make it impactful & and helpful, but I never knew how I could make it sustainable. Finally, I decided to do The Budget Mom Insider Subscription! Click on the subscription box in my bio to get signed up. You have to use your phone for this step! What does this include?: ✨️ One dedicated weekly series every month ✨️ Meal plan recipes & more recipe creation videos ✨️ One Instagram Live every month (Q&A) ✨️ Access to The Miko Love secret podcast episodes (one per month) ✨️ More day to day behind the scenes content (Gardening, Holiday Planning, Vacation Content, Soap Making, Homesteading, Sourdough & Baking, Finance, etc.) I am so excited to get started on our first series next Monday, which will be the How To Start Challenge where I’m going to breakdown the Budget By Paycheck Method step-by-step on video, so we can all do it together! I want every single Insider to know how to start this process! #TheBudgetMomInsiders See my stories today for more information! Ahhhhh! I’ve been working on this for the past five months, and I’m so excited to finally start and share everything with you!! #thebudgetmom #budgetbypaycheck #budgeting101 #moneygoals #personalfinance #Budget #debtfreecommunity #savemoney #liveyourbestlife
Likes : 1891Kumiko Love - 1.9K Likes - Sinking funds are used to save for (in advance) things that you KNOW are going to happen – birthdays, holidays, events, vacations, etc. If you know you’re going to be spending money outside of your regular budget for something, it’s smart to create a sinking fund for it. That way, you can save a little bit every single month or paycheck so you can be prepared for the expense when it comes around. If you have debt, you may be asking yourself, “how many sinking funds should I have? Do I pay off debt or implement sinking funds into my life?” Short answer - it’s up to YOU and YOUR financial priorities. My recommendation is to focus on your high-interest debt as a priority and put a little towards savings outside of your emergency fund. You CAN save and pay off debt. Remember, becoming debt-free isn’t just about being debt-free. It’s about staying out of debt in the future. So, if you know you’ll need the money for something like Christmas, for example, it’s smart to have a sinking fund for that so you don’t rely on your credit card when the time rolls around, ultimately putting you into more debt or back into debt. What is one sinking fund you have in 2024? Is there one you’re most excited about spending? #thebudgetmom #savingsgoals #savingstips #sinkingfunds #savemoney

1.9K Likes – Kumiko Love Instagram

Caption : Sinking funds are used to save for (in advance) things that you KNOW are going to happen – birthdays, holidays, events, vacations, etc. If you know you’re going to be spending money outside of your regular budget for something, it’s smart to create a sinking fund for it. That way, you can save a little bit every single month or paycheck so you can be prepared for the expense when it comes around. If you have debt, you may be asking yourself, “how many sinking funds should I have? Do I pay off debt or implement sinking funds into my life?” Short answer – it’s up to YOU and YOUR financial priorities. My recommendation is to focus on your high-interest debt as a priority and put a little towards savings outside of your emergency fund. You CAN save and pay off debt. Remember, becoming debt-free isn’t just about being debt-free. It’s about staying out of debt in the future. So, if you know you’ll need the money for something like Christmas, for example, it’s smart to have a sinking fund for that so you don’t rely on your credit card when the time rolls around, ultimately putting you into more debt or back into debt. What is one sinking fund you have in 2024? Is there one you’re most excited about spending? #thebudgetmom #savingsgoals #savingstips #sinkingfunds #savemoney
Likes : 1870Kumiko Love - 1.8K Likes - Comment BLUEPRINT and I will send you a link to my free course where I walk you step-by-step on how to create a realistic budget using the cash envelope method! Spending cash is not outdated, and in fact, it can be an effective tool to help with overspending! 💪💸

1.8K Likes – Kumiko Love Instagram

Caption : Comment BLUEPRINT and I will send you a link to my free course where I walk you step-by-step on how to create a realistic budget using the cash envelope method! Spending cash is not outdated, and in fact, it can be an effective tool to help with overspending! 💪💸
Likes : 1802Kumiko Love - 1.8K Likes - Comment STRONGSTART and I will send a link to watch my video about creating a solid investing foundation. Don't just be an investor. Be a smart investor. This is not my only investment account. I decided to invest in a non-retirement account only AFTER maxing out my contributions to my retirement accounts. I originally started this account at TD Ameritrade, which has since been acquired by Charles Schwab. Unfortunately, I lost all of my performance history when the account switched to Schwab on 9/6/2023. By gathering information from past statements, I estimated the rate of return since the account's inception. If all of the ETF or investment options overwhelm you, start out with a Target Date Fund! See my investing highlight bubble for more information! This is what I invested in: SWPPX, VTI, SCHZ I posted the original video from 2021 about opening this account on my stories, which provides more details! I started this account with $400, but you can start with a lot less. Always contribute to retirement FIRST! #investingforbeginners #investing101 #investing

1.8K Likes – Kumiko Love Instagram

Caption : Comment STRONGSTART and I will send a link to watch my video about creating a solid investing foundation. Don’t just be an investor. Be a smart investor. This is not my only investment account. I decided to invest in a non-retirement account only AFTER maxing out my contributions to my retirement accounts. I originally started this account at TD Ameritrade, which has since been acquired by Charles Schwab. Unfortunately, I lost all of my performance history when the account switched to Schwab on 9/6/2023. By gathering information from past statements, I estimated the rate of return since the account’s inception. If all of the ETF or investment options overwhelm you, start out with a Target Date Fund! See my investing highlight bubble for more information! This is what I invested in: SWPPX, VTI, SCHZ I posted the original video from 2021 about opening this account on my stories, which provides more details! I started this account with $400, but you can start with a lot less. Always contribute to retirement FIRST! #investingforbeginners #investing101 #investing
Likes : 1786Kumiko Love - 1.8K Likes - TWO MORE DAYS! I can’t believe it! Starting this upcoming MONDAY, SEPTEMBER 16th at 8AM PST, you will be able to preorder the new Budget by Paycheck Workbook. Yesterday, I shared more about the design, dimensions, cost, and changeable covers. (Check out my stories to access yesterdays’ post, as well as a link to the YouTube video I did going over the changes) Today, I want to discuss more about the preorder process as well as share a free little bonus to those who preorder in the first three days. As mentioned, you will be able to preorder your Budget by Paycheck Workbook starting Monday. That being said, we will not begin shipping orders until October 16th. If we decide to start shipping early, I will be sure to announce that throughout my social channels! (If you are moving within that timeframe, be sure to email support@thebudgetmom.com so we can ensure your package is going to the correct address) 🎉🎉FREEBIE!🎉🎉 For the first THREE days (through Wednesday, September 18th), all Budget by Paycheck preorders will receive a free pad of Teller Slip Sticky Notes. Since we decided to remove them from inside of the workbook, we wanted to include this as a freebie to ensure you still have the teller slips if you would like! Be sure to add the teller slips to your cart. Check out my post tomorrow to share a few more details, including more information about the PDF printable version and PDF debt-free printable version! Give me a 🎉 in the comments if you’re as excited as I am! #thebudgetmom #budgetbypaycheck

1.8K Likes – Kumiko Love Instagram

Caption : TWO MORE DAYS! I can’t believe it! Starting this upcoming MONDAY, SEPTEMBER 16th at 8AM PST, you will be able to preorder the new Budget by Paycheck Workbook. Yesterday, I shared more about the design, dimensions, cost, and changeable covers. (Check out my stories to access yesterdays’ post, as well as a link to the YouTube video I did going over the changes) Today, I want to discuss more about the preorder process as well as share a free little bonus to those who preorder in the first three days. As mentioned, you will be able to preorder your Budget by Paycheck Workbook starting Monday. That being said, we will not begin shipping orders until October 16th. If we decide to start shipping early, I will be sure to announce that throughout my social channels! (If you are moving within that timeframe, be sure to email [email protected] so we can ensure your package is going to the correct address) 🎉🎉FREEBIE!🎉🎉 For the first THREE days (through Wednesday, September 18th), all Budget by Paycheck preorders will receive a free pad of Teller Slip Sticky Notes. Since we decided to remove them from inside of the workbook, we wanted to include this as a freebie to ensure you still have the teller slips if you would like! Be sure to add the teller slips to your cart. Check out my post tomorrow to share a few more details, including more information about the PDF printable version and PDF debt-free printable version! Give me a 🎉 in the comments if you’re as excited as I am! #thebudgetmom #budgetbypaycheck
Likes : 1767Kumiko Love - 1.8K Likes - I am so excited to have Ryen back for this March budget recap! The last time we showed Ryen's budget, she was one year away from being debt-free. She shares where she is now! I show my "Where Did My Money Go?" worksheets and discuss my $8,000 expense in March! #thebudgetmom #budgeting101 #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #budgettips #youtubechannel

1.8K Likes – Kumiko Love Instagram

Caption : I am so excited to have Ryen back for this March budget recap! The last time we showed Ryen’s budget, she was one year away from being debt-free. She shares where she is now! I show my “Where Did My Money Go?” worksheets and discuss my $8,000 expense in March! #thebudgetmom #budgeting101 #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #budgettips #youtubechannel
Likes : 1765Kumiko Love - 1.8K Likes - Frugality isn’t just about saving money—it’s about making thoughtful, intentional choices that maximize value. 💡 It’s about prioritizing quality over the lowest price and finding the best balance between cost, quality, and necessity. ⚖️ I always strive to align my spending with what truly matters to me. ❤️ It’s not just about spending less; it’s about making choices that reflect my values and bring genuine satisfaction. 🌟 Cheapness, on the other hand, often focuses solely on the lowest cost, sacrificing quality and longevity. 🚫 This mindset might save money upfront, but it can lead to: More frequent replacements 🔁 Higher long-term costs 💸 Less satisfaction 😕 True value isn’t found in the lowest price tag—it’s in choosing quality that lasts. Frugality means investing in what serves you best over time, not just what costs the least today. #FrugalLiving #QualityOverQuantity #SpendWisely

1.8K Likes – Kumiko Love Instagram

Caption : Frugality isn’t just about saving money—it’s about making thoughtful, intentional choices that maximize value. 💡 It’s about prioritizing quality over the lowest price and finding the best balance between cost, quality, and necessity. ⚖️ I always strive to align my spending with what truly matters to me. ❤️ It’s not just about spending less; it’s about making choices that reflect my values and bring genuine satisfaction. 🌟 Cheapness, on the other hand, often focuses solely on the lowest cost, sacrificing quality and longevity. 🚫 This mindset might save money upfront, but it can lead to: More frequent replacements 🔁 Higher long-term costs 💸 Less satisfaction 😕 True value isn’t found in the lowest price tag—it’s in choosing quality that lasts. Frugality means investing in what serves you best over time, not just what costs the least today. #FrugalLiving #QualityOverQuantity #SpendWisely
Likes : 1755Kumiko Love - 1.7K Likes - Happy Mother's Day! 🩷🩷 I am blessed that I was given the very best mom. She was kind, patient, loving, hard working, and humble. She will always be my guiding light, the one looking back at me in the mirror. I love you, mom. Happy Mother's Day. I miss you so very much!

1.7K Likes – Kumiko Love Instagram

Caption : Happy Mother’s Day! 🩷🩷 I am blessed that I was given the very best mom. She was kind, patient, loving, hard working, and humble. She will always be my guiding light, the one looking back at me in the mirror. I love you, mom. Happy Mother’s Day. I miss you so very much!
Likes : 1710Kumiko Love - 1.7K Likes - SOME OF MY TOP BUDGETING TIPS: 1️⃣ Establish & discover your WHY. Clarify your purpose. Why do you want to get better with your money, and why do you want to budget? 2️⃣ Start in a place of reality. A budget is not about what you want to spend. It's about what you are actually spending. 3️⃣ Track your spending and know where your money is going so you can make better financial decisions. 4️⃣ Focus on self-discovery, not the numbers. Once you can get past the numbers and focus on the underlying issues, you will start to see permanent change. 5️⃣ Stop comparing your financial journey. Your story is unique. Celebrate and define success, goals, and values for yourself! 6️⃣ Prepare and plan ahead of time so you can give yourself peace of mind! Shout out to the amazing #tbmfamily😍 #thebudgetmom #budgetgoals #budgettips #budgetlife #budgeting101 #budgetingforbeginners #budgetbypaycheck #financialfreedom #budget

1.7K Likes – Kumiko Love Instagram

Caption : SOME OF MY TOP BUDGETING TIPS: 1️⃣ Establish & discover your WHY. Clarify your purpose. Why do you want to get better with your money, and why do you want to budget? 2️⃣ Start in a place of reality. A budget is not about what you want to spend. It’s about what you are actually spending. 3️⃣ Track your spending and know where your money is going so you can make better financial decisions. 4️⃣ Focus on self-discovery, not the numbers. Once you can get past the numbers and focus on the underlying issues, you will start to see permanent change. 5️⃣ Stop comparing your financial journey. Your story is unique. Celebrate and define success, goals, and values for yourself! 6️⃣ Prepare and plan ahead of time so you can give yourself peace of mind! Shout out to the amazing #tbmfamily😍 #thebudgetmom #budgetgoals #budgettips #budgetlife #budgeting101 #budgetingforbeginners #budgetbypaycheck #financialfreedom #budget
Likes : 1678Kumiko Love - 1.7K Likes - In my bestselling book, My Money My Way, I talk about how to find financial fulfillment in your life. People often ask me why I didn't call it financial freedom. For me, financial freedom means choosing when I work, who I work for, and what I work on. It doesn't mean retiring or becoming a millionaire. Everyone will have different definitions. Fulfillment is something so much deeper. It's not something at the end of a finish line or one single thing. It's a feeling that is constant inside of us. It's about deciding how you want to live your life. The biggest marker of a financially fulfilled life is your ability to give your time, focus, and energy generously to those you love. No matter what, there are three factors that you must find to reach financial fulfillment in your life - stability, clarity, and confidence. These three critical factors and lessons are discussed throughout my book, My Money My Way, and chapter 13. Through The Budget Mom, I hope to support and encourage you to find that deeper purpose and meaning so you can live a life you truly love, no matter where you are right now. Comment MYMONEYMYWAY and I will send you a link to my book! #thebudgetmom #mymoneymyway #budgeting101 #financialfulfillment #financialfreedom #financialjourney #moneyempowerment #moneymotivation #personalfinanceforwomen #financebooks #moneytools #moneybooks

1.7K Likes – Kumiko Love Instagram

Caption : In my bestselling book, My Money My Way, I talk about how to find financial fulfillment in your life. People often ask me why I didn’t call it financial freedom. For me, financial freedom means choosing when I work, who I work for, and what I work on. It doesn’t mean retiring or becoming a millionaire. Everyone will have different definitions. Fulfillment is something so much deeper. It’s not something at the end of a finish line or one single thing. It’s a feeling that is constant inside of us. It’s about deciding how you want to live your life. The biggest marker of a financially fulfilled life is your ability to give your time, focus, and energy generously to those you love. No matter what, there are three factors that you must find to reach financial fulfillment in your life – stability, clarity, and confidence. These three critical factors and lessons are discussed throughout my book, My Money My Way, and chapter 13. Through The Budget Mom, I hope to support and encourage you to find that deeper purpose and meaning so you can live a life you truly love, no matter where you are right now. Comment MYMONEYMYWAY and I will send you a link to my book! #thebudgetmom #mymoneymyway #budgeting101 #financialfulfillment #financialfreedom #financialjourney #moneyempowerment #moneymotivation #personalfinanceforwomen #financebooks #moneytools #moneybooks
Likes : 1669Kumiko Love - 1.7K Likes - Before I create my budget, there is one thing I never skip and always do. I create a roadmap for my spending. So, let's talk about why I create a budget calendar and what things I always put on it. Creating a calendar is an excellent reminder that a budget is not for paying the bills. Completing this step before planning your spending on a budget ensures you are prepared and ready for real life. You are less likely to forget expenses that are coming up. I always include the following things: #1) Fixed expenses or my bills. This is helpful because I can use different highlighter colors to identify what bills I am paying for different paychecks. For example, all of the bills you are paying with your first paycheck, highlight them blue. All of the bills you are paying for your second paycheck, highlight in yellow. #2) Events. If you have an event like your kid's soccer game, a work lunch, or dinner out with friends, make sure to write it down and what you plan to spend. #3) Reminders. I like to write down things that could affect my budget. Meal planning, setting up a vet appt for one of my dogs, or needing to call and schedule a dr. appt. #4) Holidays. Hopefully, you are prepared for holiday spending with sinking funds, but if you aren't, keep track of the holidays and write down a dedicated budget for each. #5)Appointments. Don't forget copays, medical expenses, or beauty appointments. #6) Travel. I always like to mark down the days I am traveling with my estimated vacation budget. This is helpful because it will affect other areas of my budget, like grocery spending. Your budget calendar is your real-life spending roadmap. If you plan on spending money on something, it should be on your calendar!! #budgettips #budgeting #budgetgoals #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #thebudgetmom #budgeting101 #budgetcalendar #paycheckbudget #tbmfamily

1.7K Likes – Kumiko Love Instagram

Caption : Before I create my budget, there is one thing I never skip and always do. I create a roadmap for my spending. So, let’s talk about why I create a budget calendar and what things I always put on it. Creating a calendar is an excellent reminder that a budget is not for paying the bills. Completing this step before planning your spending on a budget ensures you are prepared and ready for real life. You are less likely to forget expenses that are coming up. I always include the following things: #1) Fixed expenses or my bills. This is helpful because I can use different highlighter colors to identify what bills I am paying for different paychecks. For example, all of the bills you are paying with your first paycheck, highlight them blue. All of the bills you are paying for your second paycheck, highlight in yellow. #2) Events. If you have an event like your kid’s soccer game, a work lunch, or dinner out with friends, make sure to write it down and what you plan to spend. #3) Reminders. I like to write down things that could affect my budget. Meal planning, setting up a vet appt for one of my dogs, or needing to call and schedule a dr. appt. #4) Holidays. Hopefully, you are prepared for holiday spending with sinking funds, but if you aren’t, keep track of the holidays and write down a dedicated budget for each. #5)Appointments. Don’t forget copays, medical expenses, or beauty appointments. #6) Travel. I always like to mark down the days I am traveling with my estimated vacation budget. This is helpful because it will affect other areas of my budget, like grocery spending. Your budget calendar is your real-life spending roadmap. If you plan on spending money on something, it should be on your calendar!! #budgettips #budgeting #budgetgoals #budgetbypaycheckworkbook #budgetbypaycheckmethod #budgetbypaycheck #thebudgetmom #budgeting101 #budgetcalendar #paycheckbudget #tbmfamily
Likes : 1660Kumiko Love - 1.7K Likes - Today, I closed out my February budget and started my new tracking period for March. Here is a breakdown of the steps I completed to close out my budget: 1️⃣ Unstuff my cash envelopes and figure out what I want to do with any cash that is leftover 2️⃣ Update & total my spending for the month 3️⃣ Fill in the "Actual" column on my budget 4️⃣ Fill out my "Where Did My Money Go?" worksheets Here is a breakdown of the steps I complete to start my new tracking period: 1️⃣ Print and make my cash envelopes 2️⃣ Go to the bank, get my paycheck, and pull out cash for my cash envelopes. 3️⃣ Prep & start new expense trackers 4️⃣ Stuff cash envelopes 5️⃣ Make online transfers for different savings goals 6️⃣ Stuff savings cash envelopes and update savings goals binder For some, this seems like a lot. To me, it just looks like peace of mind and security. I love closing out my budget, even when I don't want to see my spending for the month in some categories. 🤣 I also love starting a new tracking period because it feels like hitting the refresh button. It's another opportunity to take what I have learned and make better decisions and more progress. What do you struggle with the most when it comes to closing out your budget for the month? #thebudgetmom #budgettips #budgetgoals #spendinghabits #trackyourspending #expensetracker #monthlyexpenses #cashenvelopes #cashenvelopesystem #cashenvelopestuffing #cashenvelopewallet #cashenvelopemethod #budgetingforbeginners #budgeting101

1.7K Likes – Kumiko Love Instagram

Caption : Today, I closed out my February budget and started my new tracking period for March. Here is a breakdown of the steps I completed to close out my budget: 1️⃣ Unstuff my cash envelopes and figure out what I want to do with any cash that is leftover 2️⃣ Update & total my spending for the month 3️⃣ Fill in the “Actual” column on my budget 4️⃣ Fill out my “Where Did My Money Go?” worksheets Here is a breakdown of the steps I complete to start my new tracking period: 1️⃣ Print and make my cash envelopes 2️⃣ Go to the bank, get my paycheck, and pull out cash for my cash envelopes. 3️⃣ Prep & start new expense trackers 4️⃣ Stuff cash envelopes 5️⃣ Make online transfers for different savings goals 6️⃣ Stuff savings cash envelopes and update savings goals binder For some, this seems like a lot. To me, it just looks like peace of mind and security. I love closing out my budget, even when I don’t want to see my spending for the month in some categories. 🤣 I also love starting a new tracking period because it feels like hitting the refresh button. It’s another opportunity to take what I have learned and make better decisions and more progress. What do you struggle with the most when it comes to closing out your budget for the month? #thebudgetmom #budgettips #budgetgoals #spendinghabits #trackyourspending #expensetracker #monthlyexpenses #cashenvelopes #cashenvelopesystem #cashenvelopestuffing #cashenvelopewallet #cashenvelopemethod #budgetingforbeginners #budgeting101
Likes : 1658Kumiko Love - 1.6K Likes - I am seeing 🚩🚩🚩 all over the place when it comes to debt settlement companies. Let me be clear: You have the right to settle or negotiate your debt yourself without a company representing you. There are no costs to do this! STAY CLEAR AND SAY NO to any debt settlement company that: ❌️ Contacts you first ❌️ Charges upfront fees prior to settlement ❌️ Make guarantees or promises ❌️ Does not warn you of the consequences (lawsuits, credit damage, tax implications, collections, etc.) Honestly, just say no to any debt settlement company! Comment BYEDEBT and I will send you a video on creating a plan of attack to pay off your debt! #thebudgetmom #debtsettlement #debtfreegoals #debtpayoff #debtfreecommunity #debtfreejourney

1.6K Likes – Kumiko Love Instagram

Caption : I am seeing 🚩🚩🚩 all over the place when it comes to debt settlement companies. Let me be clear: You have the right to settle or negotiate your debt yourself without a company representing you. There are no costs to do this! STAY CLEAR AND SAY NO to any debt settlement company that: ❌️ Contacts you first ❌️ Charges upfront fees prior to settlement ❌️ Make guarantees or promises ❌️ Does not warn you of the consequences (lawsuits, credit damage, tax implications, collections, etc.) Honestly, just say no to any debt settlement company! Comment BYEDEBT and I will send you a video on creating a plan of attack to pay off your debt! #thebudgetmom #debtsettlement #debtfreegoals #debtpayoff #debtfreecommunity #debtfreejourney
Likes : 1614Kumiko Love - 1.6K Likes - Can having a garden decrease your food costs? Well, I have had my garden for over three years now, and as I learn more every year about self-sufficiency, here's my answer. Preserving your harvest by canning, freezing, or drying can add to the savings by reducing the need to buy off-season items. However, my biggest lesson is that there is value beyond just financial savings. Being able to feed my family fresh, homegrown produce, enjoying the therapeutic benefits, and feeling satisfied that I am more self-sufficient than I was two years ago all add "value." Many factors determine whether having a garden saves money, such as the initial investment, maintenance costs, the type of crops you grow, the size of your garden, the location and climate, and your time and labor. So, my gentle reminder today is that if you feel like you are not doing enough with your garden or maybe another project you are working on, YOU ARE. Remember, your reality and effort don't have to look a certain way to matter. It's enough. If you have a garden, do you ever feel like a complete failure when you see other people's pantrys filled with a ton of beautiful canned goods? Like, how?!🤣 #thebudgetmom #selfsufficiency #foodpreservation #homegrownfood #grocerybudget #foodcost

1.6K Likes – Kumiko Love Instagram

Caption : Can having a garden decrease your food costs? Well, I have had my garden for over three years now, and as I learn more every year about self-sufficiency, here’s my answer. Preserving your harvest by canning, freezing, or drying can add to the savings by reducing the need to buy off-season items. However, my biggest lesson is that there is value beyond just financial savings. Being able to feed my family fresh, homegrown produce, enjoying the therapeutic benefits, and feeling satisfied that I am more self-sufficient than I was two years ago all add “value.” Many factors determine whether having a garden saves money, such as the initial investment, maintenance costs, the type of crops you grow, the size of your garden, the location and climate, and your time and labor. So, my gentle reminder today is that if you feel like you are not doing enough with your garden or maybe another project you are working on, YOU ARE. Remember, your reality and effort don’t have to look a certain way to matter. It’s enough. If you have a garden, do you ever feel like a complete failure when you see other people’s pantrys filled with a ton of beautiful canned goods? Like, how?!🤣 #thebudgetmom #selfsufficiency #foodpreservation #homegrownfood #grocerybudget #foodcost
Likes : 1614Kumiko Love - 1.6K Likes - Products that I use: ✔️ Soap I make myself or Foxbrim Milk & Honey face wash ✔️ Epionce Renewal Face Lotion ✔️ Epionce Lytic TX ✔️ Thayer's Rose Toner ✔️ Face Reality Daily SPF 30 Lotion I follow this routine morning and night religiously. I ALWAYS wear sunscreen and treat my neck area. Do NOT ignore your neck! I know Epionce is not 100% natural and is pricey. However, you only need to use a small amount of the lotion—it goes a long way! I like Epionce for its botanical ingredients, and it's paraben-, fragrance-, sulfate- and gluten-free. I am not sponsored by them in any way. I genuinely use and like their products. I'm currently testing and making my own lotion products. I don't wear any makeup except some mascara (sometimes). A lesson I learned from my mom is that simple is sometimes the best. What is your favorite skincare product? #skincareroutine #thebudgetmom #skincaredaily

1.6K Likes – Kumiko Love Instagram

Caption : Products that I use: ✔️ Soap I make myself or Foxbrim Milk & Honey face wash ✔️ Epionce Renewal Face Lotion ✔️ Epionce Lytic TX ✔️ Thayer’s Rose Toner ✔️ Face Reality Daily SPF 30 Lotion I follow this routine morning and night religiously. I ALWAYS wear sunscreen and treat my neck area. Do NOT ignore your neck! I know Epionce is not 100% natural and is pricey. However, you only need to use a small amount of the lotion—it goes a long way! I like Epionce for its botanical ingredients, and it’s paraben-, fragrance-, sulfate- and gluten-free. I am not sponsored by them in any way. I genuinely use and like their products. I’m currently testing and making my own lotion products. I don’t wear any makeup except some mascara (sometimes). A lesson I learned from my mom is that simple is sometimes the best. What is your favorite skincare product? #skincareroutine #thebudgetmom #skincaredaily
Likes : 1596Kumiko Love - 1.6K Likes - 🎉✨️ We are officially THREE days away from our Budget by Paycheck preorder launch. ✨️🎉 Over the next three days, I will be sharing information regarding the launch so be sure to read the entire caption and check out my stories for the link to the YouTube video I did going over all of the changes. Starting this upcoming MONDAY, SEPTEMBER 16th at 8AM PST, you will be able to preorder the new Budget by Paycheck Workbook. As many of you know, we are coming out with a brand new smaller size, which is the same size as our small Live Rich Planners. We will still have our normal full-size. We only have ONE design available this year - Wildflower. This cover was actually inspired by all of the wildflowers that I've planted throughout my property! There will also be TWO new changeable cover designs available - Retro Smiley and Vintage Forest. These come in both small and full-size, so be sure to select the correct size depending on which size you need. ❤️ Price of Budget by Paycheck Workbooks = Small: $44 / Full Size: $48 ❤️ Dimensions of FULL SIZE Budget by Paycheck Workbook (with binding) = 10" X 11" ❤️ Dimensions of SMALL SIZE Budget by Paycheck Workbook (with binding) = 8 3/4" X 9 1/2". Stay tuned for tomorrow's post where I'll be sharing more information! #thebudgetmom #budgetbypaycheck Are you team Small-Size or Full-Size?

1.6K Likes – Kumiko Love Instagram

Caption : 🎉✨️ We are officially THREE days away from our Budget by Paycheck preorder launch. ✨️🎉 Over the next three days, I will be sharing information regarding the launch so be sure to read the entire caption and check out my stories for the link to the YouTube video I did going over all of the changes. Starting this upcoming MONDAY, SEPTEMBER 16th at 8AM PST, you will be able to preorder the new Budget by Paycheck Workbook. As many of you know, we are coming out with a brand new smaller size, which is the same size as our small Live Rich Planners. We will still have our normal full-size. We only have ONE design available this year – Wildflower. This cover was actually inspired by all of the wildflowers that I’ve planted throughout my property! There will also be TWO new changeable cover designs available – Retro Smiley and Vintage Forest. These come in both small and full-size, so be sure to select the correct size depending on which size you need. ❤️ Price of Budget by Paycheck Workbooks = Small: $44 / Full Size: $48 ❤️ Dimensions of FULL SIZE Budget by Paycheck Workbook (with binding) = 10″ X 11″ ❤️ Dimensions of SMALL SIZE Budget by Paycheck Workbook (with binding) = 8 3/4″ X 9 1/2″. Stay tuned for tomorrow’s post where I’ll be sharing more information! #thebudgetmom #budgetbypaycheck Are you team Small-Size or Full-Size?
Likes : 1594Kumiko Love - 1.6K Likes - Casual TED Talk while I tackle afternoon farm chores. 🎤🐓🤷‍♀️

1.6K Likes – Kumiko Love Instagram

Caption : Casual TED Talk while I tackle afternoon farm chores. 🎤🐓🤷‍♀️
Likes : 1566Kumiko Love - 1.6K Likes - I always recommend saving as much as possible to pay for a used car.  Whether new or used, a vehicle is a depreciating asset, meaning it tends to lose value over time. Usually, I will tell people to buy a used vehicle over a new one. If you have CASH to buy a new car, whether that's considered "a bad investment or a waste of money" depends on your circumstances and priorities. If you have the cash to purchase the car outright, and it aligns with your financial goals, lifestyle, and preferences, then awesome. However, it's essential to consider factors such as depreciation (new cars often lose value quickly), ongoing maintenance costs, insurance premiums, and your overall financial situation. It's all about making an informed decision based on your needs and financial capabilities. I also get asked a lot if I recommend leasing a vehicle. Typically, I avoid leasing when possible; however, I acknowledge that everyone has different circumstances.  Maybe I don't like that you're "renting" a car, paying for the depreciation of the car during the lease term plus interest and fees, and have mileage restrictions.  It's also important to look at the long-term costs. You might get offered lower monthly payments INITIALLY, but if you lease the car long-term, you may end up paying more in TOTAL than if you had bought a car outright and kept it for several years! #thebudgetmom #budgettips #savemoney #moneytips #budgetgoals #savingmoney #carloans

1.6K Likes – Kumiko Love Instagram

Caption : I always recommend saving as much as possible to pay for a used car.  Whether new or used, a vehicle is a depreciating asset, meaning it tends to lose value over time. Usually, I will tell people to buy a used vehicle over a new one. If you have CASH to buy a new car, whether that’s considered “a bad investment or a waste of money” depends on your circumstances and priorities. If you have the cash to purchase the car outright, and it aligns with your financial goals, lifestyle, and preferences, then awesome. However, it’s essential to consider factors such as depreciation (new cars often lose value quickly), ongoing maintenance costs, insurance premiums, and your overall financial situation. It’s all about making an informed decision based on your needs and financial capabilities. I also get asked a lot if I recommend leasing a vehicle. Typically, I avoid leasing when possible; however, I acknowledge that everyone has different circumstances.  Maybe I don’t like that you’re “renting” a car, paying for the depreciation of the car during the lease term plus interest and fees, and have mileage restrictions.  It’s also important to look at the long-term costs. You might get offered lower monthly payments INITIALLY, but if you lease the car long-term, you may end up paying more in TOTAL than if you had bought a car outright and kept it for several years! #thebudgetmom #budgettips #savemoney #moneytips #budgetgoals #savingmoney #carloans
Likes : 1565Kumiko Love - 1.5K Likes - Comment LIVERICH and I will send you a link to get the Live Rich Planner for $10!!!! I don't show my Live Rich Planner often, but I finished my monthly calendar today.  This is where I can quickly see what's happening during the whole month. It also helps me avoid double booking or overbooking myself. I spend a lot of time working on reflection and improvement, and it's eye-opening to look back at last year's May monthly calendar. It seems like a different life. A life where my mom was still alive, and I was planning on having my second child. Today, when I compared my calendar to last year's, all I could do was cry. I saw the entry to watch Riverdance with my mom and Doug, an activity that we never got to do together.  Organization and finances go hand in hand. I can make better and more informed decisions when I am organized in all areas of my life.  I like having my Budget By Paycheck for my finances and my Live Rich Planner for life organization. It's a system that works for me! How do you currently organize your life? #liverichplanner #plannerlife #lifeorganized #planneraddict #organizemylife #lrpplanner #budgetgoals #plannerlayout #financialhabits #moneytips

1.5K Likes – Kumiko Love Instagram

Caption : Comment LIVERICH and I will send you a link to get the Live Rich Planner for $10!!!! I don’t show my Live Rich Planner often, but I finished my monthly calendar today.  This is where I can quickly see what’s happening during the whole month. It also helps me avoid double booking or overbooking myself. I spend a lot of time working on reflection and improvement, and it’s eye-opening to look back at last year’s May monthly calendar. It seems like a different life. A life where my mom was still alive, and I was planning on having my second child. Today, when I compared my calendar to last year’s, all I could do was cry. I saw the entry to watch Riverdance with my mom and Doug, an activity that we never got to do together.  Organization and finances go hand in hand. I can make better and more informed decisions when I am organized in all areas of my life.  I like having my Budget By Paycheck for my finances and my Live Rich Planner for life organization. It’s a system that works for me! How do you currently organize your life? #liverichplanner #plannerlife #lifeorganized #planneraddict #organizemylife #lrpplanner #budgetgoals #plannerlayout #financialhabits #moneytips
Likes : 1503Kumiko Love - 1.5K Likes - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey

1.5K Likes – Kumiko Love Instagram

Caption : The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Likes : 1477Kumiko Love - 1.5K Likes - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey

1.5K Likes – Kumiko Love Instagram

Caption : The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Likes : 1477Kumiko Love - 1.5K Likes - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey

1.5K Likes – Kumiko Love Instagram

Caption : The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
Likes : 1477Kumiko Love - 1.5K Likes - The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey

1.5K Likes – Kumiko Love Instagram

Caption : The Budget by Paycheck Method was created out of desperation. I was trying to figure out a way to manage my finances in a way that worked for me. I know I’m a visual learner, and I know that pretty things and organization are what keep me motivated and excited. There are 9 steps to the Budget by Paycheck Method. Essentially, this method is all about having a plan for every single one of your dollars. Zero-based budgeting. This method works with any income and any pay schedule. You just create a budget each time you are paid. Being organized with your finances results in your dollars working for you, instead of constantly wondering where all of your dollars went. These 9 steps are what allowed me to feel successful in my financial journey through awareness, planning ahead, and consistency. These 9 steps give you the foundation you need to create and implement a budget. In my Free Resource Library (linked in my bio), I have a free printable that breaks down each step even further and gives you action steps to take. Just look for the printable titled “Quick-Start Guide: Budget by Paycheck Method”. Do you use the Budget by Paycheck Method? #thebudgetmom #budgetgoals #budgeting101 #budgetqueen #budgettips #budgetbypaycheck #budgeting #budgetingforbeginners #budget101 #trackyourspending #expensetracker #budgetbypaycheckworkbook #awarenessiskey
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