My Money My Way

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As a newly divorced single mom earning $24,000 annually while facing $77,000 in debt, Kumiko Love constantly worried about money. She envied other moms with vacations and well-furnished homes, feeling ashamed of her small apartment and simple meals. Her emotional struggles led her to binge-shop, believing it would lift her spirits. A pivotal moment came when she realized that the real issues were self-doubt, shame, guilt, and societal expectations, not money itself. By changing her negative thought patterns, she crafted a financial plan that aligned with her values. Now debt-free and living in her dream home, which she purchased in cash, she has inspired countless women worldwide. As the founder of The Budget Mom, she offers a step-by-step guide to reclaiming financial control, regardless of income or debt. Through personal stories of overcoming challenges like divorce and job loss, she teaches foundational practices, such as leveraging emotions to enhance financial decisions, creating realistic budgets, and developing motivating debt repayment plans. This approach empowers readers to align emotional and financial health, allowing them to embrace their desires and live fulfilling lives, free from financial worry.