Normally I would wait until my car broke down and had to put repairs on a credit card. Was able to save $1700 over the last 8 months to get routine maintenance done on my car. It felt so great to throw down cash when I picked up my car especially after the mechanic kept pushing their credit line to pay for it.
In a world where traditional budgeting is a rigid set of steps that one must follow - or you are a FAILER. If you followed these steps and still come up short at the end of the month - you didn't fail. Your plan failed you.
Are you constantly measuring your success with numbers and feel like you are not making any progress? Does it feel like every time you set up a budget, you only stick to it for a couple of weeks? Budgeting has a tricky way of making you think that if your plan is on paper, it should work. It leaves you feeling like giving up, or maybe budgeting just isn't for you. So why even try?
Budgeting can seem overwhelming when there is so much information out there, but you have no idea where to start. To add the cherry on top, you are being shamed because of how much debt you have or are made to feel guilty based on your spending decisions, even when you have prepared to spend responsibly. Well, I say NO MORE!
It's time to start a financial transformation that allows you to live your life NOW while still taking care of your future self. And guess what! No shame, guilt, or judgment included!
"How do I know what method will work for me?"
"And what if I don't make enough income to budget?"
Also, how do I organize finances in my crazy life?"
"Oh, and is it even possible to control my spending?"
"When do I even have time to budget?"
but instead, it's about learning more about yourself?
and skills that impact every aspect of your life?
and has everything to do with creating a indestructible financial foundation?
Seven different building blocks with 30+ lessons. Each lesson includes step-by-step guidance, motivation, worksheets, assignments, and instructional videos so you can implement each step. I will show you my proven system that has helped over 100,000 people worldwide heal their relationship with money, create a realistic budget that works, pay off debt, and grow their wealth - in their OWN way. Guilt and shame-free!
Valued at $400
Each building block module has its own unique workbook designed to keep you focused and engaged during each lesson. Over 35 worksheets & assignments so you can complete each step with more clarity and confidence with examples, trackers, and custom-designed cash envelopes.
Valued at $75
This popular limited-release tool is now available to all Building Blocks of Budgeting students! Paying off debt starts with a plan, and the success of that plan depends on making informed decisions. Calculate a realistic plan to pay off your debt, see projections based on payments and your debt numbers, and know how much interest you will pay over the life of your debt. It's time to get past just paying the minimum payments and make real progress towards becoming debt free!
Valued at $35
It's time to throw out the one-size-fits-all solutions that only fix surface-level problems. My bestselling and most popular tool that has been used by over 100,000 people worldwide is now available in Excel & Google Sheets! Now it's easier than ever to create a budget that HONORS you, rather than denies you. Work through each proven step of my BBP method with guidance and confidence.
Valued at $250
I know budgeting and everything that goes with it can be overwhelming and frustrating, sometimes leaving you feeling stuck. Don't worry, I got you! We are here, ready to help with each lesson. If you need help or have a question, just type in the comment feature listed at the bottom of each lesson, and someone will be there to answer your question within 72 hours.
Value at $35/year
I know once you start learning more about yourself and embracing self-discovery, additional questions and situations pop up. That's a good thing! As you learn more about yourself, what you value, how you define success, the deeper issues causing you to overspend, the more you create healthy habits that ensure lasting change. So, I created some bonus tools that will help you navigate your transformation so you can reach your goals faster and with more clarity!
Increasing your income is a huge component of growing your wealth. The hard truth is that you can only cut your expenses so far, but your earning potential is limitless. I have had my fair share of side hustles, from real estate photography to selling clothes online and even selling my own artwork. To help you find financial stability and reach your goals faster, I have created a side hustle manual that not only gives you 40+ bona fide ways to earn more money but how to pick the right side hustle for your extraordinary life!
Valued at $25
SIX bonus lessons, each with a video and guided worksheets. Lessons include:
Valued at $200
These lessons will not only help you manage your money right now but are skills you can take with you in the future for sustainable growth and progress.
I know motivation and self-discipline can be hard skills to master. That's why incorporating fun and visuals into your budgeting routine is a massive part of my BBP process. Inside the course, you will have access to over 50+ printables, trackers, and custom cash envelopes so you can continue taking action steps towards success! Sometimes it's hard to see your progress when everything you are doing seems like a small drop in a big bucket BUT TRUST ME. You are making progress! Even when you can't see it.
Valued at $150
ANNOUNCEMENTS!
Welcome! (9:24)
Course Features & What to Expect (6:00)
Download Building Block Workbooks
Quiz Time!
Introduction to Mindset & Motivation (5:16)
LESSON ONE: Scarcity vs Abundance (11:51)
LESSON TWO: Frugal vs Cheap (9:03)
LESSON THREE: Motivation vs Self-Discipline (7:38)
LESSON FOUR: Affirmations (8:02)
LESSON FIVE: Finding Your Purpose (9:08)
Introduction to Your Relationship With Money (5:17)
LESSON ONE: The Dimension of Acquisition (4:25)
LESSON TWO: The Dimension of Spending (4:35)
LESSON THREE: The Dimension of Management (3:52)
LESSON FOUR: Understanding our Relationship (6:45)
Introduction to Financial Goals (5:18)
LESSON ONE: Wants vs Needs (5:39)
LESSON TWO: S.M.A.R.T Goals (8:52)
LESSON THREE: When Everything Feels Important (9:07)
LESSON FOUR: Trade-Offs (7:00)
LESSON FIVE: Goal-Tracking Visuals (7:25)
Introduction to Paying Off Debt (6:01)
LESSON ONE: Your Debt Story (10:51)
LESSON TWO: Your Debt Picture (5:55)
LESSON THREE: A Method to Pay It Off (16:16)
LESSON FOUR: Implementing & the Roll-Over Effect (3:15)
LESSON FIVE: Debt Options (14:57)
LESSON SIX: Debt Trackers (6:25)
**BONUS LESSON**: Your Credit Score (19:29)
Introduction to Awareness & Tracking Your Spending (5:32)
LESSON ONE: The Highlighter Method (18:52)
LESSON TWO: Fixed & Variable Expenses (11:42)
LESSON THREE: Inflow & Income (11:33)
LESSON FOUR: Budget Categories (9:08)
LESSON FIVE: What Type of Spender Are You? (5:01)
LESSON SIX: The Cash Envelope Method (15:24)
LESSON SEVEN: Different Spending Scenarios (31:41)
**BONUS LESSON**: Controlling Emotional Spending (21:11)
Introduction to Creating A Realistic Budget (10:14)
LESSON ONE: A Zero-Based Budget (5:38)
LESSON TWO: The Budget By Paycheck Method (23:42)
LESSON THREE: The Budget Calendar (18:38)
LESSON FOUR: Budgeting With Fluctuating Income (4:51)
LESSON FIVE: Budgeting When You Live Off Of Tips (10:07)
LESSON SIX: Budgeting On A Weekly Pay Schedule (15:11)
LESSON SEVEN: Red-Light/Green-Light Test (28:12)
LESSON EIGHT: The Budget By Paycheck In Excel (93:24)
**BONUS LESSON**: Budgeting With A Partner (22:20)
Introduction to Evolve, Adapt & Grow (2:19)
LESSON ONE: Closing Out Your Budget (67:17)
LESSON TWO: Maintain (9:09)
LESSON THREE: Get Back On Track (9:08)
**BONUS LESSON**: Investing 101 (42:52)
**BONUS LESSON**: Net Worth (6:24)
**BONUS LESSON**: Finding Financial Stability (18:18)
Feedback & Review
What Now? (1:43)
Watch the video below to see a breakdown of the course and what you can expect to learn in Building Blocks of Budgeting.
Valued at $400
Valued at $75
Valued at $35
Valued at $250
Valued at $35/year
Valued at $35/year
Valued at $25
Valued at $25
The Building Blocks of Budgeting Course teaches you my exact system to create a real-life budget that HONORS you instead of RESTRICTING you.
Valued at $400
Valued at $75
Valued at $35
Valued at $250
Valued at $35/year
Valued at $25
Valued at $200
Valued at $150
Hello, I'm Kumiko, your course instructor! I have set out on a mission to empower women everywhere to regain control of their financial lives. Over the last eight+ years, I have dedicated my life to helping people from all over the world budget without shame and reach their own unique goals.
As a newly divorced single mom making $24,000 per year, I constantly worried about money. After having my son, I decided to fight for something more, a better life with my son. Once I reversed my negative thinking, healed my relationship with money, and discovered the real underlying issues behind my spending, I was able to pay off over $78,000 of debt in less than seven years, build a business, support and grow a community of over 100,000 people, become a national bestselling author, and sell over 100,000 impactful money tools.
Throughout my own transformation, I discovered that one-size-fits-all solutions only fix surface-level problems, which only leave you with more questions than answers. I realized that my custom & proven method had the power to change my life and millions of others.
I am passionate about budgeting because it has the power to give you back control of your finances and allows you to create a roadmap that honors you rather than denies you. I have personally experienced the freedom and stability a budget can provide and how it has the ability to change your life.
I created Building Blocks of Budgeting to walk you through every step of my Budget By Paycheck method so you can experience the same financial fulfillment. If you are ready to stop just writing numbers on a piece of paper and start seeing real progress, this course is for you!
Read Less
Hello, I'm Kumiko, your course instructor! I have set out on a mission to empower women everywhere to regain control of their financial lives. Over the last eight+ years, I have dedicated my life to helping people from all over the world budget without shame and reach their own unique goals.
As a newly divorced single mom making $24,000 per year, I constantly worried about money. After having my son, I decided to fight for something more, a better life with my son. Once I reversed my negative thinking, healed my relationship with money, and discovered the real underlying issues behind my spending, I was able to pay off over $78,000 of debt in less than seven years, build a business, support and grow a community of over 100,000 people, become a national bestselling author, and sell over 100,000 impactful money tools.
Throughout my own transformation, I discovered that one-size-fits-all solutions only fix surface-level problems, which only leave you with more questions than answers. I realized that my custom & proven method had the power to change my life and millions of others.
I am passionate about budgeting because it has the power to give you back control of your finances and allows you to create a roadmap that honors you rather than denies you. I have personally experienced the freedom and stability a budget can provide and how it has the ability to change your life.
I created Building Blocks of Budgeting to walk you through every step of my Budget By Paycheck method so you can experience the same financial fulfillment. If you are ready to stop just writing numbers on a piece of paper and start seeing real progress, this course is for you!
You're ready to put in the time and effort into creating a realistic budget that works.
You're ready to move past minimum payments and pay off debt once and for all.
You want a proven, detailed, and guided system to manage your money.
You're ready to invest a small amount of money for yourself to find peace of mind with your finances.
You feel stuck, overwhelmed, or stressed and want something more with the money you do have.
Organization and clarity with your finances is important to you.
You feel comfortable where you are with your finances.
You are not willing to make habit changes to see success with your money.
You are looking for a quick fix without putting in any effort.
You don't mind carrying a debt balance or paying interest to creditors.
You are fine using free content that you have to stick together instead of a complete system for a minimal price.
You are not ready to move past the one-size-fits-all answers to see big impact and change.
You're ready to put in the time and effort into creating a realistic budget that works.
You're ready to move past minimum payments and pay off debt once and for all.
You want a proven, detailed, and guided system to manage your money.
You're ready to invest a small amount of money for yourself to find peace of mind with your finances.
You feel stuck, overwhelmed, or stressed and want something more with the money you do have.
Organization and clarity with your finances is important to you.
You feel comfortable where you are with your finances.
You are not willing to make habit changes to see success with your money.
You are looking for a quick fix without putting in any effort.
You don't mind carrying a debt balance or paying interest to creditors.
You are fine using free content that you have to stick together instead of a complete system for a minimal price.
You are not ready to move past the one-size-fits-all answers to see big impact and change.
Yes, absolutely. A debt payoff journey isn't about the amount you have or making payments. It's about learning the healthy habits and skills necessary, so you don't go back into debt in the future.
After purchasing the course, you get instant access to every building block module and lesson PLUS all bonus material. You get access to the course and all future updates for life. The course was designed to be self-paced to fit your busy life, so take as much time as you need to complete the lessons.
Heck yes! If you are a beginner, you are in the right place. If you are a seasoned budgeter looking for ways to improve what you have already learned, this course is perfect! If you feel like you have tried everything and are still struggling, this course will be a game-changer! With step-by-step guidance, you will be making progress in no time!
After completing the course, you will have a customized plan for your finances, built by YOU, FOR YOU! The ultimate recipe for success. You will have a realistic and sustainable budget, so you know what to do with your money every time you receive a paycheck, a plan of attack for your debt, a healthier relationship with money, an improved money mindset, and motivation to conquer your goals, You will have FINANCIAL FULLFILMENT - Stability, Clarity, and Confidence with your money.
Absolutely! I don't just tell you how to be successful with my BBP method, but I show and walk you through every step. The Budget By Paycheck Method is budgeting your money based on when you are paid versus monthly. It comprises of the Calendar Method, The Paycheck Method, and the Cash Envelope Method. Don't worry! It's entirely customizable for your unique situation!
I love a good sale! I will offer periodic sales throughout the year (and possibly other cool bonuses)! The current full price of the course is $260.
If you are waiting until you are "ready" - you are missing the opportunity to learn. To grow, you have to be willing to accept change. It's time to stop waiting for paychecks and then watch them disappear on things that are not serving you. If you are ready for true change with your finances, your time is now! Enroll in Building Blocks of Budgeting, and let's get you from wishing for something better to actually living it!