Family Budgeting with Kumiko Love, “The Budget Mom”| HTH 021
06/11/19 • 53 min
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
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
Previous Episode
Unconventional Living with Zac Ruiz | HTH 020
This week Aaron and Tracy chat with Zac Ruiz of Den For Our Cubs. They discuss how he and his wife made the decision to leave their life in Southern California to live in a tent in New Mexico- and Zac’s philosophy on living a life you love.
LET’S CHAT!
You can always call and leave your questions and comments on our voicemail!
978-709-1040
QUICK FACTS ABOUT ZAC’S HOME:
They currently live in New Mexico.
They transitioned from apartment, to camper and then to the tent.
The canvas home is 300 sq ft and 12 ft tall.
They built a platform and then a frame, then essentially just slid the tent on.
They have polycarbonate sheets on the front of the tent to let in sunlight.
They heat the tent with a propane heater. This is the one he mentioned: https://www.mrheater.com/big-buddy-portable-heater.html
They have a water well and use their Berkey to filter it. https://www.berkeyfilters.com
The house cost $5,000 to build.
They have a composting toilet. This is the one thing Zac mentioned not enjoying in terms of upkeep.
They’re not off the grid, they go into “town” for normal activities.
“If you don’t like your life- try something. If you still don’t like it- try something else!”
The Etsy Shop:
Zac sells custom lights for homes and businesses.
He builds in shipping container.
www.etsy.com/shop/MoonStoneFox
SOCIAL QUESTIONS:
Q: Did you ever have a moment where it was so overwhelming and you felt like you made the wrong choice?
A: There are always doubts/fears but he was so tired of California and ready for a change that this life is refreshing.
Q: Do you plan on homeschooling?
A: Yes. Zac and his siblings were homeschooled and they plan on doing the same.
Q: Are bugs a problem?
A: Surprisingly, NO!
Q: Do you grow your own vegetables?
A: Yes, but not a full farm lifestyle. They try to buy local as much as possible.
FIND ZAC:
Website | https://denforourcubs.wordpress.com
The Gram | https://www.instagram.com/DENFOROURCUBS/
Etsy | https://www.etsy.com/shop/MoonStoneFox
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
Next Episode
Cabin Retreat with Mind Tree Arts | HTH 022
This week Aaron and Tracy chat with artist Peter Staley about blending creativity and construction.
LET’S CHAT!
You can always call and leave your questions and comments on our voicemail!
978-709-1040
QUICK FACTS ABOUT PETER’S WORK:
Peter refers to his structures as shrines to nature.
His first woodworking was building stretchers for paintings and then he moved on to set design.
Once he built his own store (his wife’s kids shop), a lot of people had him start building their stores. He likes to bring nature inside.
Recently he’s been building a lot of cabins, which was a natural progression after building a work cabin for his wife’s second store. His latest cabin is a liveable space, 200 sq ft with a sleeping loft and outdoor shower.
His nature inspiration stems from his time in the Adirondacks as a child. https://visitadirondacks.com
Peter can look at a space and visualize what he wants to do with it.
Peter sees his builds as art and it’s a very spiritual process.
His favorite materials are: cedar and shou sugi ban.
He loves buying from Angel City Lumber- https://www.angelcitylumber.com
Peter feels this medium is the one that connects with people the most, whereas his art doesn’t necessarily connect with everyone.
Peter’s tip for creating a more functional small space is: laying stuff out with blue tape and seeing how it would feel to move around in the space.
“I would like someone to enter a space I made and have a spiritual experience.”
Peter’s suggestion for the beginner: “Get some tools and start playing around. Make a box!”
Peter believes everything needs to go as green as possible. He’d like to see a return to natural and comfortable materials.
SOCIAL QUESTIONS:
Q: Do you feel you have a signature style?
A: Not on purpose, but yes. Peter doesn’t try to make things in his style, it’s just his natural progression.
Q: How long is the planning process?
A: A couple of weeks.
Q: Where does your inspiration come from with your art?
A: It just comes to Peter and he needs to get it out.
Q: Is it hard to see a structure decorated in a way that doesn’t fit your intention for the space?
A: At first it is, but then you get used to it.
FIND PETER:
Website (Build) | https://www.mindtreearts.com
Website (Art) | http://www.peterstaley.com
The Gram | https://www.instagram.com/mindtreearts & https://www.instagram.com/p_staley
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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