Kumiko Love is an accredited financial counselor, writer, and creator of The Budget Mom.
I am happy to welcome Kumiko Love to the table. She is an Accredited Financial Counselor® and also created of The Budget Mom™ As a single mom, she had to find a way out of debt and a way to create the type of life she wanted to provide for herself and her son. In doing so she created a unique, practical and dare I say fun budgeting method that has helped thousands of women take control of their finances.    We have a really great conversation where we talk about how she got out of debt, common bad spending habits, and what emotional spending looks like. We also talk about her budget method, where to start and how to stay motivated.    Connect with Sarah: Website // Instagram // Patreon
"We're Momming Today" with The Budget Mom, Kumiko (Miko) Love. If your biggest bill is childcare or the frequent trip to the grocery store -- Miko says take advantage of Grandma and explore... This is a podcast about Mom. It explores motherhood in all its shapes and sizes. Whether it's life as a working mom or a stay-at-home mom, we dissect the challenges, search for the solutions, embrace the crazy moments, and collect the treasures we find along the way. So grab a glass and come along for the nutty yet rewarding ride. “We’re Momming Today!”
This week Aaron and Tracy chat with Kumiko Love about tips for jump starting your family budget and how to stick with it.   LET’S CHAT! You can always call and leave your questions and comments on our voicemail! 978-709-1040   KUMIKO’S METHOD: - Kumiko does the budget by paycheck method, and also implements a calendar. - She doesn’t use a predetermined dollar amount or percentage.   JUMP START YOUR BUDGET: - Learn the emotions and triggers behind your spending. - When you’re a freelancer, knowing everything about your past spending is important. - Meal plan! Food is a budget killer. - Track your spending and figure out where your money is being sucked. - Call the companies behind your monthly bills and see if you can get your costs down. - Create an allowance for spontaneous purchases. - Homeowners should have an emergency fund and a maintenance fund. - Find a financial adviser you can trust, if you don’t feel comfortable making the decisions on your own. - Kumiko thinks you’re more motivated to save if you have savings accounts labeled as your specific goal. - “If I spend the money right now, what am I giving up in the future?” - For student loans- sit down and figure out exactly what you have. - There are financial counselors out there for free! Check out non-profit organizations and banks.   TOP 5 TIPS: - Discover your why. Why do you want to start budgeting? - Track your spending. It’s the number one action step. - Look at your recurring bills and try to get them down. - Sit down and look at your debt. Write it all out. - Figure out what kind of learner you are? That’s how you have to organize your finances to stay motivated.   COMMON PITFALLS: - They can’t change their mindset surrounding what they have/need. - They feel stuck. - Food! They need to meal plan. - Not knowing where to start with debt.   CONTACT KUMIKO: Website | https://thebudgetmom.com The Gram | @thebudgetmom Youtube | @thebudgetmom   FOLLOW US on Social Media: Website | https://howtohome.com/ Instagram | http://bit.ly/2WqVfSp Twitter | http://bit.ly/2RRyYij Facebook | http://bit.ly/2MC3Hdc Youtube | http://bit.ly/2SifqTH SUBSCRIBE to the How to Home Podcast: Itunes | https://apple.co/2DL0lSp Android | http://bit.ly/2B9k7Fm Stitcher | http://bit.ly/2DM0W6c Spotify | https://spoti.fi/2GcRCKo   THANK YOU TO OUR SPONSOR FILTERBUY.COM
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Episode Count
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2 hours, 5 minutes