Budgeting isn't just about the numbers.

And the one-size-fits-all solutions that only fix surface-level problems are NOT the solution!

I'm here to give you so much more!

A real solution that finally embraces your own unique life, goals, and values.

This is more than just budgeting!

A budget does not exist to RESTRICT you. It exists to HONOR you.

You're in the right place if:

BUT THEN THERE'S THE SELF-DOUBT. THE UNKNOWN. THE HESITATION.

"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?"

And the list goes on....

What if I told you that budgeting isn't just about the numbers but instead, it's about learning more about yourself?

What if I told you that learning how to budget has positive benefits and skills that impact every aspect of your life?

What if I told you that it has nothing to do with a rigid set of steps and has everything to do with creating a indestructible financial foundation?

Without the guilt.

Without the doubt.

Without the shame.

EVERYTHING you need to succeed...

And that's not all!

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!

You get these bonuses...

"Thanks to Kumiko & The Budget Mom system, I'm happy to announce some wins!!

1) Thanksgiving is done & I got it all this year!

2) Christmas is funded. All I have to do is order things.

3) My trucks TPMS light has been intermittently displaying, so I took it to the tire shop and turns out I needed a new sensor (not cheap). They recommended all four because once one goes the others are sure to slowly follow. I got all four because of my emergency fund!

4) My credit score is up 32 points!

This is all due to this system and my determination. Last year would've resulted SOOO differently. Thank you Miko!"

-- Sadie

So, are you ready for REAL change?

A budget is SELF-DISCOVERY in disguise.

It's time to align your emotional health with your financial health.

Finally! A budget method that creates lasting change!

Is Building Blocks of Budgeting right for you?

Did you get the thumbs up? You're ready to conquer Building Blocks of Budgeting!

Frequently Asked Questions

I don't have debt. Will this course still help me?

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.

How does the course work?

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.

I have never created a budget before. Is it right for beginners?

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!

What results can I expect after completing the course?

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.

Do you teach your popular Budget By Paycheck® Method in the course?

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!

Will you offer discounts or sales?

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.

What is your refund policy?

We fully stand behind the value of this course and hope you feel the same way.

If you feel this course didn't provide value to you, please let us know within 30 days of purchasing. Due to everything being able to be easily downloaded and saved to your personal device, our 30-day money-back guarantee is as follows:

• If Building Block 6, Lesson 8 (the Excel/Google Sheets lesson) has been viewed/opened by you, we will honor a 25% refund. This is because people can easily download the file and save it to their device before requesting a refund.
  
• If the above lesson has not been viewed/opened and a refund is requested, we will provide a 100% refund with completed worksheets and notes as proof that the work was put in to receive the most value from this course.
  

Please note: We can see all history of videos watched, how many times certain things were viewed, whether a lesson/module was viewed, etc.

• Additionally, if you are purchasing or have purchased this course solely for the Google Sheets/Excel version of the Budget by Paycheck Workbook, we will not be offering a refund as that is such a small part of the course. Please do not enroll in this course if that is all you are wanting.
  
  

Why am I being charged sales tax when I go to pay for the course?

U.S. laws around sales tax have been evolving rapidly over the last few years. Among other changes, these laws generally require central marketplaces like Teachable (rather than individual sellers using these marketplaces) to collect and remit sales tax to government authorities. These pieces of sales tax laws are known as “marketplace facilitator laws”.

These laws are complex and vary from state to state. Additionally, not every state has passed these laws.

Like EU/UK VAT, U.S. Sales tax is applied based on where your students are located. So even if you’re not based in the U.S., these changes are still relevant if you sell to students in the United States.

U.S. sales tax is applied at the state level, and states have different laws about which products and services are considered taxable in the state. For example, some states tax video streaming services while others do not. Individual states also choose their own tax rates.

Why don't you offer a payment or installment plan?

I believe that "Buy Now, Pay Later" and Installment Plans hurt you more than they help you. Sure, five easy payments of $50 seems like a smaller hit to your budget and even more affordable, but the truth is, these types of payment options don't align with the healthy habits I teach and preach at The Budget Mom.

Having awareness around the reality of how much you are REALLY spending is crucial, and sometimes having a slap in the face moment with the actual cost is necessary. 

I know the Building Blocks of Budgeting will help you transform your finances and will be the most helpful tool you can start implementing in your life immediately. That said, I never want you to give in to instant gratification. If you don't have the money to pay for the course upfront, I don't want you to buy it. Yes, you are reading that correctly. Instead, use my free resources to get started, save a small amount from each paycheck (the exact amount you would have paid for installment payments), save the money, and then come back and pay for the course.

This is called becoming a patient spender, which completely changed my spending mindset. Building Blocks of Budgeting is life-changing, but I want to ensure you set yourself up for success from the start!

Are you ready to invest in yourself?