No-Fluff Financial Blog for Real People

Browse hundreds of articles on all things personal finance you weren’t taught in school.

A step-by-step guide on the budgeting process that changed my life. I am a firm believer that this budgeting method can work for anyone, as long as you put in the work and make personal for your own life.

The Budgeting Method That Changed My Life

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I'm Kumiko Love

As a single mom living in an 800 sq ft apartment with no furniture and making $30,000 per year, I started The Budget Mom to find community as I worked to get my finances on track.

I was able to pay off $78,000 in debt and buy my dream house in cash using the Budget by Paycheck® Method, my real-life budgeting system that’s designed to serve YOUR unique values. Since then, millions of women all over the world have been able to use the Budget by Paycheck® Method to reach their goals and find financial fulfillment.