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.

An abundant life is not about what you have but how you live.

In a world where traditional budgeting is a rigid set of steps that one must follow - or you are a FAILER. If you followed these steps and still come up short at the end of the month - you didn't fail. Your plan failed you.

Are you constantly measuring your success with numbers and feel like you are not making any progress? Does it feel like every time you set up a budget, you only stick to it for a couple of weeks? Budgeting has a tricky way of making you think that if your plan is on paper, it should work. It leaves you feeling like giving up, or maybe budgeting just isn't for you. So why even try?

Budgeting can seem overwhelming when there is so much information out there, but you have no idea where to start. To add the cherry on top, you are being shamed because of how much debt you have or are made to feel guilty based on your spending decisions, even when you have prepared to spend responsibly. Well, I say NO MORE!

It's time to start a financial transformation that allows you to live your life NOW while still taking care of your future self. And guess what! No shame, guilt, or judgment included!

You're in the right place if:

...you are finally ready to pay off debt so it no longer weighs you down

...you want to grow your savings and invest for the future.

...you struggle with emotional spending and impulse purchases

...you want to create a realistic budget that honors you rather than denies you

...you find yourself short every month when it comes to your dollars

...you lack organization, clarity, and confidence with your finances


"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....

"Budgeting has never worked for me, and I always feel like I am doing something wrong."

"I create a budget only to overspend and derail my plan, so I just give up."

"All I feel is guilt from past money mistakes and I feel like they will follow me forever."

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...

Building Blocks of Budgeting Online Course (Access For LIFE!)

Seven different building blocks with 30+ lessons. Each lesson includes step-by-step guidance, motivation, worksheets, assignments, and instructional videos so you can implement each step. I will show you my proven system that has helped over 100,000 people worldwide heal their relationship with money, create a realistic budget that works, pay off debt, and grow their wealth - in their OWN way. Guilt and shame-free! (Value $400)

SEVEN Building Block Workbooks!

Each building block module has its own unique workbook designed to keep you focused and engaged during each lesson. Over 35 worksheets & assignments so you can complete each step with more clarity and confidence with examples, trackers, and custom-designed cash envelopes. (Value $75)

TBM Debt Payoff Calculator

This popular limited-release tool is now available to all Building Blocks of Budgeting students! Paying off debt starts with a plan, and the success of that plan depends on making informed decisions. Calculate a realistic plan to pay off your debt, see projections based on payments and your debt numbers, and know how much interest you will pay over the life of your debt. It's time to get past just paying the minimum payments and make real progress towards becoming debt free! (Value $35)

The Budget By Paycheck Method in Excel & Google Sheets

It's time to throw out the one-size-fits-all solutions that only fix surface-level problems. My bestselling and most popular tool that has been used by over 100,000 people worldwide is now available in Excel & Google Sheets! Now it's easier than ever to create a budget that HONORS you, rather than denies you. Work through each proven step of my BBP method with guidance and confidence. (Value $250)

Expert Comment Support

I know budgeting and everything that goes with it can be overwhelming and frustrating, sometimes leaving you feeling stuck. Don't worry, I got you! We are here, ready to help with each lesson. If you need help or have a question, just type in the comment feature listed at the bottom of each lesson, and someone will be there to answer your question within 72 hours.(Value $35/yr)

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...


Increasing your income is a huge component of growing your wealth. The hard truth is that you can only cut your expenses so far, but your earning potential is limitless. I have had my fair share of side hustles, from real estate photography to selling clothes online and even selling my own artwork. To help you find financial stability and reach your goals faster, I have created a side hustle manual that not only gives you 40+ bona fide ways to earn more money but how to pick the right side hustle for your extraordinary life!

(VALUE $25)


SIX bonus lessons, each with a video and guided worksheets. Lessons include:

  • Budgeting With A Partner
  • Master Your Credit Score
  • Investing 101
  • How To Control Emotional Spending
  • Finding Financial Stability
  • And Increasing Your Net Worth

These lessons will not only help you manage your money right now but are skills you can take with you in the future for sustainable growth and progress.

(VALUE $200)


I know motivation and self-discipline can be hard skills to master. That's why incorporating fun and visuals into your budgeting routine is a massive part of my BBP process. Inside the course, you will have access to over 50+ printables, trackers, and custom cash envelopes so you can continue taking action steps towards success! Sometimes it's hard to see your progress when everything you are doing seems like a small drop in a big bucket BUT TRUST ME. You are making progress! Even when you can't see it.

(VALUE $150)


  Your Financial Transformation STARTS NOW!
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  Building Block One: Mindset & Motivation
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  Building Block Two: Your Relationship With Money
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  Building Block Three: Defining Your Financial Goals
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days after you enroll
  Building Block Four - A Plan of Attack for Your Debt
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  Building Block Five: Awareness
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  Building Block Six: Creating A Realistic Budget
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  Building Block Seven: Evolve, Adapt & Grow
Available in days
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  It's Not Goodbye. It's See You Later.
Available in days
days after you enroll


Watch the video below to see a breakdown of the course and what you can expect to learn in Building Blocks of Budgeting.

"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?

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A budget is SELF-DISCOVERY in disguise.

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

Meet Miko.

Hello, I'm Kumiko, your course instructor! I have set out on a mission to empower women everywhere to regain control of their financial lives. Over the last eight+ years, I have dedicated my life to helping people from all over the world budget without shame and reach their own unique goals.

As a newly divorced single mom making $24,000 per year, I constantly worried about money. After having my son, I decided to fight for something more, a better life with my son. Once I reversed my negative thinking, healed my relationship with money, and discovered the real underlying issues behind my spending, I was able to pay off over $78,000 of debt in less than seven years, build a business, support and grow a community of over 100,000 people, become a national bestselling author, and sell over 100,000 impactful money tools. 

Throughout my own transformation, I discovered that one-size-fits-all solutions only fix surface-level problems, which only leave you with more questions than answers. I realized that my custom & proven method had the power to change my life and millions of others.

I am passionate about budgeting because it has the power to give you back control of your finances and allows you to create a roadmap that honors you rather than denies you. I have personally experienced the freedom and stability a budget can provide and how it has the ability to change your life.

I created Building Blocks of Budgeting to walk you through every step of my Budget By Paycheck method so you can experience the same financial fulfillment. If you are ready to stop just writing numbers on a piece of paper and start seeing real progress, this course is for you!

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!

If you are waiting until you are "ready" - you are missing the opportunity to learn. To grow, you have to be willing to accept change. It's time to stop waiting for paychecks and then watch them disappear on things that are not serving you. If you are ready for true change with your finances, your time is now! Enroll in Building Blocks of Budgeting, and let's get you from wishing for something better to actually living it! 

Are you ready to invest in yourself?

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