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
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! 💪👏
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
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! 💪💸
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
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
🎉✨️ 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?
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
I am SO thrilled and honored to be a part of the Get Organized HQ Virtual Conference this year! 🎉 I’ll be joining over 100 women sharing top tips for transforming your space and mindset, so you can tackle your goals with clarity and confidence. Whether you’re looking to declutter, streamline your schedule, or find ways to manage your finances, this conference is your chance to get inspired and organized! I will be providing a FREE class all about the Budget by Paycheck Method. I think this is great for those who are new to budgeting, or just need a refresher on the method. The Get Organized HQ is done entirely virtual, so you can enjoy watching from wherever you would like. Topics included will be budgeting, organization, time management, decluttering, and MORE! There are typically over 100,000 attendees every year, so be sure to claim your free ticket and join to get tips, motivation, and practical action steps you can take to get organized in ALL areas of your life. In my stories, you can find the links to claim your free ticket to the event and more information. If you want lifetime access, you can upgrade to the VIP All Access Pass that includes handwritten notes, one-page cheat sheets, audio versions of each session, written transcripts, guided worksheets, bonus video content, and MORE! The VIP All Access Pass is $29 until August 25th, then it will increase to $39. The event is September 14th, and your ticket gives you access to not just my class but hundreds more! Be sure to comment down below TBMTICKET, and I will send you the direct link to get the FREE ticket. Or, comment TBMVIP, and I will send you the link to purchase your VIP All Access Pass. #thebudgetmom #getorganized #getorganizedhq #getorganizedconference #budgetbypaycheck
I am SO thrilled and honored to be a part of the Get Organized HQ Virtual Conference this year! 🎉 I’ll be joining over 100 women sharing top tips for transforming your space and mindset, so you can tackle your goals with clarity and confidence. Whether you’re looking to declutter, streamline your schedule, or find ways to manage your finances, this conference is your chance to get inspired and organized! I will be providing a FREE class all about the Budget by Paycheck Method. I think this is great for those who are new to budgeting, or just need a refresher on the method. The Get Organized HQ is done entirely virtual, so you can enjoy watching from wherever you would like. Topics included will be budgeting, organization, time management, decluttering, and MORE! There are typically over 100,000 attendees every year, so be sure to claim your free ticket and join to get tips, motivation, and practical action steps you can take to get organized in ALL areas of your life. In my stories, you can find the links to claim your free ticket to the event and more information. If you want lifetime access, you can upgrade to the VIP All Access Pass that includes handwritten notes, one-page cheat sheets, audio versions of each session, written transcripts, guided worksheets, bonus video content, and MORE! The VIP All Access Pass is $29 until August 25th, then it will increase to $39. The event is September 14th, and your ticket gives you access to not just my class but hundreds more! Be sure to comment down below TBMTICKET, and I will send you the direct link to get the FREE ticket. Or, comment TBMVIP, and I will send you the link to purchase your VIP All Access Pass. #thebudgetmom #getorganized #getorganizedhq #getorganizedconference #budgetbypaycheck
I am SO thrilled and honored to be a part of the Get Organized HQ Virtual Conference this year! 🎉 I’ll be joining over 100 women sharing top tips for transforming your space and mindset, so you can tackle your goals with clarity and confidence. Whether you’re looking to declutter, streamline your schedule, or find ways to manage your finances, this conference is your chance to get inspired and organized! I will be providing a FREE class all about the Budget by Paycheck Method. I think this is great for those who are new to budgeting, or just need a refresher on the method. The Get Organized HQ is done entirely virtual, so you can enjoy watching from wherever you would like. Topics included will be budgeting, organization, time management, decluttering, and MORE! There are typically over 100,000 attendees every year, so be sure to claim your free ticket and join to get tips, motivation, and practical action steps you can take to get organized in ALL areas of your life. In my stories, you can find the links to claim your free ticket to the event and more information. If you want lifetime access, you can upgrade to the VIP All Access Pass that includes handwritten notes, one-page cheat sheets, audio versions of each session, written transcripts, guided worksheets, bonus video content, and MORE! The VIP All Access Pass is $29 until August 25th, then it will increase to $39. The event is September 14th, and your ticket gives you access to not just my class but hundreds more! Be sure to comment down below TBMTICKET, and I will send you the direct link to get the FREE ticket. Or, comment TBMVIP, and I will send you the link to purchase your VIP All Access Pass. #thebudgetmom #getorganized #getorganizedhq #getorganizedconference #budgetbypaycheck
I am SO thrilled and honored to be a part of the Get Organized HQ Virtual Conference this year! 🎉 I’ll be joining over 100 women sharing top tips for transforming your space and mindset, so you can tackle your goals with clarity and confidence. Whether you’re looking to declutter, streamline your schedule, or find ways to manage your finances, this conference is your chance to get inspired and organized! I will be providing a FREE class all about the Budget by Paycheck Method. I think this is great for those who are new to budgeting, or just need a refresher on the method. The Get Organized HQ is done entirely virtual, so you can enjoy watching from wherever you would like. Topics included will be budgeting, organization, time management, decluttering, and MORE! There are typically over 100,000 attendees every year, so be sure to claim your free ticket and join to get tips, motivation, and practical action steps you can take to get organized in ALL areas of your life. In my stories, you can find the links to claim your free ticket to the event and more information. If you want lifetime access, you can upgrade to the VIP All Access Pass that includes handwritten notes, one-page cheat sheets, audio versions of each session, written transcripts, guided worksheets, bonus video content, and MORE! The VIP All Access Pass is $29 until August 25th, then it will increase to $39. The event is September 14th, and your ticket gives you access to not just my class but hundreds more! Be sure to comment down below TBMTICKET, and I will send you the direct link to get the FREE ticket. Or, comment TBMVIP, and I will send you the link to purchase your VIP All Access Pass. #thebudgetmom #getorganized #getorganizedhq #getorganizedconference #budgetbypaycheck
I am SO thrilled and honored to be a part of the Get Organized HQ Virtual Conference this year! 🎉 I’ll be joining over 100 women sharing top tips for transforming your space and mindset, so you can tackle your goals with clarity and confidence. Whether you’re looking to declutter, streamline your schedule, or find ways to manage your finances, this conference is your chance to get inspired and organized! I will be providing a FREE class all about the Budget by Paycheck Method. I think this is great for those who are new to budgeting, or just need a refresher on the method. The Get Organized HQ is done entirely virtual, so you can enjoy watching from wherever you would like. Topics included will be budgeting, organization, time management, decluttering, and MORE! There are typically over 100,000 attendees every year, so be sure to claim your free ticket and join to get tips, motivation, and practical action steps you can take to get organized in ALL areas of your life. In my stories, you can find the links to claim your free ticket to the event and more information. If you want lifetime access, you can upgrade to the VIP All Access Pass that includes handwritten notes, one-page cheat sheets, audio versions of each session, written transcripts, guided worksheets, bonus video content, and MORE! The VIP All Access Pass is $29 until August 25th, then it will increase to $39. The event is September 14th, and your ticket gives you access to not just my class but hundreds more! Be sure to comment down below TBMTICKET, and I will send you the direct link to get the FREE ticket. Or, comment TBMVIP, and I will send you the link to purchase your VIP All Access Pass. #thebudgetmom #getorganized #getorganizedhq #getorganizedconference #budgetbypaycheck
I am SO thrilled and honored to be a part of the Get Organized HQ Virtual Conference this year! 🎉 I’ll be joining over 100 women sharing top tips for transforming your space and mindset, so you can tackle your goals with clarity and confidence. Whether you’re looking to declutter, streamline your schedule, or find ways to manage your finances, this conference is your chance to get inspired and organized! I will be providing a FREE class all about the Budget by Paycheck Method. I think this is great for those who are new to budgeting, or just need a refresher on the method. The Get Organized HQ is done entirely virtual, so you can enjoy watching from wherever you would like. Topics included will be budgeting, organization, time management, decluttering, and MORE! There are typically over 100,000 attendees every year, so be sure to claim your free ticket and join to get tips, motivation, and practical action steps you can take to get organized in ALL areas of your life. In my stories, you can find the links to claim your free ticket to the event and more information. If you want lifetime access, you can upgrade to the VIP All Access Pass that includes handwritten notes, one-page cheat sheets, audio versions of each session, written transcripts, guided worksheets, bonus video content, and MORE! The VIP All Access Pass is $29 until August 25th, then it will increase to $39. The event is September 14th, and your ticket gives you access to not just my class but hundreds more! Be sure to comment down below TBMTICKET, and I will send you the direct link to get the FREE ticket. Or, comment TBMVIP, and I will send you the link to purchase your VIP All Access Pass. #thebudgetmom #getorganized #getorganizedhq #getorganizedconference #budgetbypaycheck
I am SO thrilled and honored to be a part of the Get Organized HQ Virtual Conference this year! 🎉 I’ll be joining over 100 women sharing top tips for transforming your space and mindset, so you can tackle your goals with clarity and confidence. Whether you’re looking to declutter, streamline your schedule, or find ways to manage your finances, this conference is your chance to get inspired and organized! I will be providing a FREE class all about the Budget by Paycheck Method. I think this is great for those who are new to budgeting, or just need a refresher on the method. The Get Organized HQ is done entirely virtual, so you can enjoy watching from wherever you would like. Topics included will be budgeting, organization, time management, decluttering, and MORE! There are typically over 100,000 attendees every year, so be sure to claim your free ticket and join to get tips, motivation, and practical action steps you can take to get organized in ALL areas of your life. In my stories, you can find the links to claim your free ticket to the event and more information. If you want lifetime access, you can upgrade to the VIP All Access Pass that includes handwritten notes, one-page cheat sheets, audio versions of each session, written transcripts, guided worksheets, bonus video content, and MORE! The VIP All Access Pass is $29 until August 25th, then it will increase to $39. The event is September 14th, and your ticket gives you access to not just my class but hundreds more! Be sure to comment down below TBMTICKET, and I will send you the direct link to get the FREE ticket. Or, comment TBMVIP, and I will send you the link to purchase your VIP All Access Pass. #thebudgetmom #getorganized #getorganizedhq #getorganizedconference #budgetbypaycheck
Do you budget with pen and paper or prefer digital tools? Let me know your favorite method below! Don’t forget to save ✅️ this reel for future budgeting inspiration, and share it ❤️ with someone who’s ready to take control of their finances. Tag a friend who needs to see this! #BudgetingTips #PaycheckBudget #FinancialFreedom #MoneyManagement #DebtFreeJourney #BudgetPlanner #FinancialGoals #MoneyMinded #PersonalFinance #BudgetingCommunity
🎉🎉TOMORROW IS THE DAY!!!🎉🎉 Starting tomorrow, MONDAY, SEPTEMBER 16th at 8AM PST, you will be able to preorder the new Budget by Paycheck Workbook. Over the past two days, I’ve shared information regarding the preorder launch that begins tomorrow. Check out my stories to view more information as well as a video I did going over all of the changes! I’ve been seeing questions about when the PDF printable versions will be available. The normal and debt-free PDF will be available on the official launch date of October 16th. I’ve also been seeing some questions regarding the small vs. full size, and if the number of lines in the workbook are cut back due to the smaller size. Here is more information regarding that: The only difference – On the Paycheck Budget Trackers, there is one less line per section for the small-size compared to the full-size. Head on over to BudgetByPaycheck.Com and you can view more information about the workbook, the new features, as well as view it in 3D. Keep in mind many of the links will not be active until the launch begins. Who has their alarm set for tomorrow? 🙋 #thebudgetmom #budgetbypaycheck
Data breaches and identity theft are on the rise, putting personal information at risk. In the latest episode of The Miko Love Podcast, Kumiko shares practical tips for protecting your money and assets: ➡️ Freeze your credit to prevent unauthorized access. ➡️ Set up two-factor authentication for added security. ➡️ Monitor your credit report regularly to catch any signs of compromise. She also explains the difference between a credit freeze and a credit lock, helping listeners make informed decisions to safeguard their financial future. Don’t miss this essential advice on staying secure in an increasingly digital world. 💪🔒 Listen to episode five, “Data Breach Fallout – Protecting Your Finances and Identity,” wherever you get your podcasts. 🎧 #FinancialSecurity #IdentityTheftProtection #MoneyTips #TheMikoLovePodcast
It’s officially the Budget By Paycheck Preorder Day!! In this video, I’m answering your BBP questions! If you missed today’s live, please leave your questions in the comments! Thank you so much for your support today and I’m so happy the BBP is bringing lasting change and value to your financial journey! #thebudgetmom #budgetbypaycheck
🚀 In this episode of The Miko Love Podcast, I’m answering your burning questions! Welcome to another “Ask Me Anything” episode! 💬 We dive deep into: ✨ The most challenging part of being an entrepreneur 💰 The best high-yield savings accounts 🎯 My next big dream to conquer 💳 Thoughts on buy now, pay later options 🚴♀️ My favorite Peloton instructors 👩👦 The unique challenges of being a mom 🔄 Starting over on a debt-free journey 🧠 Managing finances with ADHD 📉 How to apply money to debt after paying bills 🌱 My journey toward minimalism 🎯 And why setting clear financial goals is non-negotiable! You asked, I answered! 🙌 Listen to Episode 04 on Spotify, Apple Podcasts, or wherever you get your podcasts. 🎧 #TheMikoLovePodcast #EntrepreneurLife #MoneyGoals #DebtFreeJourney #MinimalismJourney #selfimprovementpodcast
Don’t let short-term setbacks rob you of long-term success. Have you made any of these budgeting mistakes? #BudgetingTips #FinancialResilience #MoneyMindset #BudgetSuccess #FinancialGrowth #OvercomeFailure #StayOnBudget #FinancialEmpowerment #MindfulSpending #budgetmotivation
We all have those financial goals that feel urgent, but how do you manage saving for them all? The key is breaking them down into terms: 💸 Short-term (0-3 years) 📅 Medium-term (4-7 years) 🏡 Long-term (7 years) Once you’ve sorted them out, prioritize them in order of importance. Remember, you don’t have to save the same amount for every goal! Consider both the time frame and how important each one is to you. 🔑 Example: Let’s say you’re saving for an emergency fund, buying a home, and retirement. 1️⃣ Emergency Fund (Short-Term): You want to be prepared for unexpected costs. Throw most of your savings to this goal since it’s your short-term priority. 2️⃣ Buying a Home (Medium-Term): This is a big one! You plan to buy in 5 years. You might prioritize this next and save extra income here, like bonuses or tax refunds, balancing between your emergency savings. 3️⃣ Retirement (Long-Term): This is your long-term goal, so while it’s crucial, you might save smaller amounts but consistently over time. By categorizing and prioritizing, you’ll tackle your goals without feeling overwhelmed! What is your NUMBER ONE most important goal you are saving for right now? #savingsgoals #thebudgetmom
Financial stress isn’t just something we feel mentally—it can manifest physically, taking a serious toll on our bodies. Danni’s story may be an extreme case (and I am not sure about any other underlying conditions or factors), but it’s a powerful reminder of how crushing financial stress can be. Many things cause financial stress, anxiety, and worry: ✨️ Fear & Uncertainty ✨️ Lack of Control ✨️ Desire for Security ✨️ Identity & Self-Worth ✨️ Behavioral Conditioning ✨️ Avoidance or Compulsive Behaviors ✨️ Unrealistic Goals ✨️ Guilt & Shame In my experience, the UNKNOWN causes a lot of financial worry. That’s why I have created a FREE course to help you create a plan for your money! You will be surprised how much one step can change your mindset and decrease your money worries. Having a plan for your money: ✨️ Restores a Sense of Control ✨️ Gives You Mental Clarity ✨️ Decreases Decision Fatigue ✨️ Provides a Roadmap to Sucess ✨️ Mitigates Fear of the Unknown ✨️ Shifts Your Focus from Problems to Solutions Just the act of preparing for unknown uncertainties can reduce financial stress drastically! Comment BLUEPRINT and I will send you the link to start my FREE budget course, which will help you create the financial plan you need so you can stop worrying about your money! Let’s not underestimate the impact of financial stress on our health! #financialfreedom #moneymindset #financialwellness #debtfreejourney #financialplanning #mindfulmoney #MoneyManagement #stressfreefinances #financialhealth #financialhealth #thebudgetmom
🎙 New Episode Alert! Just dropped a powerful conversation with Nicole Alfred, a C-section recovery specialist, on @mikolovepodcast We get real about the challenges of C-section recovery, from scar massage to embracing your postpartum journey. 💪 What You’ll Learn: ✨ The importance of C-section scar massage. ✨ How to navigate the emotional and physical recovery. ✨ Tips for preparing and supporting yourself after a C-section. ✨ Why self-care and mental well-being are essential. Why It Matters: Society often pushes moms to “bounce back” after childbirth, but it’s time to focus on true recovery and healing. This episode is for every mom who deserves the best care and support. 👉Share with any c-section momma who needs to hear it! Listen to episode 6, “From Surgery to Strength: Navigating C-Section Recovery,” wherever you get your podcasts! #CSectionRecovery #PostpartumCare #MotherhoodJourney #NewMomSupport #PostpartumHealing #StrongMoms #MomCommunity #CSectionAwareness #BirthRecovery #MomLife #themikolovepodcast
