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The Budget Mom

The Budget Mom Newsletter

Featured

My Word for 2026

Dec 19, 2025

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10 min read

My Word for 2026

I’m skipping resolutions this year and choosing one word to guide how I move through 2026.

Kumiko Love
Kumiko Love

Articles

Getting Started Investing

May 1, 2026

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6 min read

Getting Started Investing

A simple, clear way to begin even if you feel overwhelmed or think you don’t have enough to start

Kumiko Love
Kumiko Love
Why Budgeting Feels Hard (Even When You’re Trying)

Apr 24, 2026

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4 min read

Why Budgeting Feels Hard (Even When You’re Trying)

Real consistency with money isn’t about getting it right every month. It’s about learning how to adjust when life changes.

Kumiko Love
Kumiko Love
Moving Beyond Just Getting By

Apr 17, 2026

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6 min read

Moving Beyond Just Getting By

What it actually looks like to start building wealth in real life.

Kumiko Love
Kumiko Love
An End Means A New Beginning

Apr 10, 2026

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14 min read

An End Means A New Beginning

This wasn’t an easy decision, but it’s one I know I needed to make.

Kumiko Love
Kumiko Love
Let’s Talk About Emergency Funds (honestly)

Apr 3, 2026

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10 min read

Let’s Talk About Emergency Funds (honestly)

Because $1,000 doesn’t go very far anymore.

Kumiko Love
Kumiko Love
Cash Envelopes vs Sinking Funds

Mar 27, 2026

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11 min read

Cash Envelopes vs Sinking Funds

Two completely different roles in your budget!

Kumiko Love
Kumiko Love
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