Actress Kumiko Love HD Instagram Photos and Wallpapers March 2024

Kumiko Love Instagram - Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It's also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don't think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It's not just physically life-changing; it's also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn't make it any easier. Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can't be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

Wow, there are many lessons this week, but more importantly, many truths. Being a stay-at-home mom is different from what I thought it would be. It’s also more challenging than I could have ever imagined. It has tested my patience and my ability to handle my emotions. Sometimes, I don’t think I could mentally handle having another baby. The thought scares me, if I am being honest, and saying that out loud makes me feel bad. I am going to take more time to heal because a C-section delivery and having a baby are no joke! It’s not just physically life-changing; it’s also mentally challenging. Being a mom is the best job in the world, and staying at home with my children is the biggest blessing I could ask for, but that doesn’t make it any easier. Raise your hand if you identify with this. 🙋‍♀️🙋‍♀️ I can’t be the only one! #thebudgetmom #dontgiveuponyourself #sourdoughjourney #tbmfamily #momboss #smallbussinessowner #moneygoals #moneymotivation #weeklyrecap #mealplanning #worklifebalance #passionandpurpose #homesteaddreams #stayathomemom #momstruggles #momboss

Kumiko Love Instagram - I have had the same $500/mo food budget for years, mostly because I was in denial that I would need to spend more in this category. After months of recognizing patterns and coming to the realization that my food budget was just not working with today's prices, I decided to pivot and shift. In an article for CBS News, I read that food prices are 25% higher now than in January 2020. If I used that math, I would increase my food budget to $625. But that doesn't include an older boy who is now a preteen eating WAY MORE, and our decision to eat a little healthier. For the past three months, I have spent around $800-$900/mo on food, including eating out and grocery shopping (Chris pays for much of our eating out). So, I increased our food budget to $900/mo going forward. I still need to make some more permanent tweaks to my budget, but at least April is mapped out and finalized, and that feels really good. Anyone else have to increase their food budget?! #foodbudget #budgeting #personalfinanceforwomen #budgetbypaycheck #thebudgetmom #grocerybudget

I have had the same $500/mo food budget for years, mostly because I was in denial that I would need to spend more in this category. After months of recognizing patterns and coming to the realization that my food budget was just not working with today’s prices, I decided to pivot and shift. In an article for CBS News, I read that food prices are 25% higher now than in January 2020. If I used that math, I would increase my food budget to $625. But that doesn’t include an older boy who is now a preteen eating WAY MORE, and our decision to eat a little healthier. For the past three months, I have spent around $800-$900/mo on food, including eating out and grocery shopping (Chris pays for much of our eating out). So, I increased our food budget to $900/mo going forward. I still need to make some more permanent tweaks to my budget, but at least April is mapped out and finalized, and that feels really good. Anyone else have to increase their food budget?! #foodbudget #budgeting #personalfinanceforwomen #budgetbypaycheck #thebudgetmom #grocerybudget

Kumiko Love Instagram - Comment TBMFAMILY and I'll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I've realized that success isn't just about numbers. It's about the people we choose to walk alongside. The saying, "Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path," is profoundly true. This lesson extends beyond your financial journey; it's about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here's to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬 #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

Comment TBMFAMILY and I’ll send you a link to our incredible private Facebook group, packed with over 100K like-minded individuals ready to uplift and support you! Reflecting on my 9 year self-discovery journey, I’ve realized that success isn’t just about numbers. It’s about the people we choose to walk alongside. The saying, “Surround yourself with those who inspire, challenge, and support you. The energy you absorb from others shapes your own path,” is profoundly true. This lesson extends beyond your financial journey; it’s about surrounding ourselves with those who truly understand and support us. In finance and life, our success is deeply intertwined with the quality of our relationships. My circle may be smaller, but I KNOW everyone in that circle is in my corner. Here’s to a community built on support, trust, and non-judgment—where genuine connections, empathy, kindness, and grace foster success. 💼💬 #TrustOverGossip #SuccessJourney #FinanceCommunity #thebudgetmom #tbmfamily #financialsupport #moneymotivation #financialjourney #personalfinanceforwomen

Kumiko Love Instagram - I use debt. I don't have debt. There's a difference. Having debt means owing money, carrying a balance, and paying interest. "Using" debt means using it for beneficial gain while paying off the balance before interest kicks in. I often get asked how I maintain a credit score above 800 without having debt. It's because I use debt, and I don't have debt. I use a personal & business credit card, and then I pay it off every month before any interest kicks in or accumulates. I don't use my Venture One personal card very often, but I use my Spark Business card every single month. In fact, every business expense gets put on the business credit card, and then I always pay off the entire statement balance by the due date. The credit card rewards that I have earned are paying for plane tickets to Arizona and Cabo and part of my Switzerland trip this year. I am not spending more to get the rewards; I am simply getting the rewards for things I would need to purchase anyway. It took me years to trust myself enough to use credit cards after becoming debt-free in 2019. I had to have enough confidence in my ability to use them responsibly. DO NOT USE CREDIT CARDS OR ANY OTHER FORM OF DEBT UNLESS YOU CAN PAY IT OFF EVERY MONTH OR USE DEBT RESPONSIBLY!!! It is possible to USE debt and not HAVE debt. It took me a really long time to realize this. What do you think? Do you think the rewards make using credit cards worth it? Or do you think credit cards are a trap? #thebudgetmom #debtfreecommunity #debtfreegoals #debtfreejourney #debtfreedom #payoffdebt #creditcardtips #creditcardrewards #debtpayoff #moneygoals

I use debt. I don’t have debt. There’s a difference. Having debt means owing money, carrying a balance, and paying interest. “Using” debt means using it for beneficial gain while paying off the balance before interest kicks in. I often get asked how I maintain a credit score above 800 without having debt. It’s because I use debt, and I don’t have debt. I use a personal & business credit card, and then I pay it off every month before any interest kicks in or accumulates. I don’t use my Venture One personal card very often, but I use my Spark Business card every single month. In fact, every business expense gets put on the business credit card, and then I always pay off the entire statement balance by the due date. The credit card rewards that I have earned are paying for plane tickets to Arizona and Cabo and part of my Switzerland trip this year. I am not spending more to get the rewards; I am simply getting the rewards for things I would need to purchase anyway. It took me years to trust myself enough to use credit cards after becoming debt-free in 2019. I had to have enough confidence in my ability to use them responsibly. DO NOT USE CREDIT CARDS OR ANY OTHER FORM OF DEBT UNLESS YOU CAN PAY IT OFF EVERY MONTH OR USE DEBT RESPONSIBLY!!! It is possible to USE debt and not HAVE debt. It took me a really long time to realize this. What do you think? Do you think the rewards make using credit cards worth it? Or do you think credit cards are a trap? #thebudgetmom #debtfreecommunity #debtfreegoals #debtfreejourney #debtfreedom #payoffdebt #creditcardtips #creditcardrewards #debtpayoff #moneygoals

Kumiko Love Instagram - Comment STRONGSTART and I will send a link to watch my video about creating a solid investing foundation. Don't just be an investor. Be a smart investor. This is not my only investment account. I decided to invest in a non-retirement account only AFTER maxing out my contributions to my retirement accounts. I originally started this account at TD Ameritrade, which has since been acquired by Charles Schwab. Unfortunately, I lost all of my performance history when the account switched to Schwab on 9/6/2023. By gathering information from past statements, I estimated the rate of return since the account's inception. If all of the ETF or investment options overwhelm you, start out with a Target Date Fund! See my investing highlight bubble for more information! This is what I invested in: SWPPX, VTI, SCHZ I posted the original video from 2021 about opening this account on my stories, which provides more details! I started this account with $400, but you can start with a lot less. Always contribute to retirement FIRST! #investingforbeginners #investing101 #investing

Comment STRONGSTART and I will send a link to watch my video about creating a solid investing foundation. Don’t just be an investor. Be a smart investor. This is not my only investment account. I decided to invest in a non-retirement account only AFTER maxing out my contributions to my retirement accounts. I originally started this account at TD Ameritrade, which has since been acquired by Charles Schwab. Unfortunately, I lost all of my performance history when the account switched to Schwab on 9/6/2023. By gathering information from past statements, I estimated the rate of return since the account’s inception. If all of the ETF or investment options overwhelm you, start out with a Target Date Fund! See my investing highlight bubble for more information! This is what I invested in: SWPPX, VTI, SCHZ I posted the original video from 2021 about opening this account on my stories, which provides more details! I started this account with $400, but you can start with a lot less. Always contribute to retirement FIRST! #investingforbeginners #investing101 #investing

Kumiko Love Instagram - Let's break these down in a little more detail 1️⃣ You can identify and reduce wasteful spending: One of the main goals of having a budget is to control expenses by eliminating or reducing unnecessary expenses. 2️⃣ You're Meeting financial goals: Big or small, if you are hitting financial goals, your budget is helping you prioritize and allocate your money effectively. 3️⃣ You have improved financial awareness: Becoming more mindful of your spending habits, recognizing patterns in your spending behavior, and understanding the consequences of your financial decisions empower you to make more informed decisions. It's all about aligning your spending with your goals. 4️⃣ You are reducing debt: Your budget should help you allocate extra funds to pay off debt. If you are making your minimum payments on time and consistently lowering your debt, this is a sign that your budget is helping you reduce your reliance on credit. 5️⃣ You are progressing towards financial stability: Building savings, reducing debt, and establishing a financial cushion for unexpected expenses are all tangible results in your overall financial health! It's okay if you only see some of these signs—that's still progress! The more knowledge you gain, the more your budget will progress and get better. How many of these signs are you seeing? Give me a 1-5 in the comments. I am currently at 5! #thebudgetmom #budget #budgetgoals #budgeting101 #budgetbypaycheck #budgetingforbeginners

Let’s break these down in a little more detail 1️⃣ You can identify and reduce wasteful spending: One of the main goals of having a budget is to control expenses by eliminating or reducing unnecessary expenses. 2️⃣ You’re Meeting financial goals: Big or small, if you are hitting financial goals, your budget is helping you prioritize and allocate your money effectively. 3️⃣ You have improved financial awareness: Becoming more mindful of your spending habits, recognizing patterns in your spending behavior, and understanding the consequences of your financial decisions empower you to make more informed decisions. It’s all about aligning your spending with your goals. 4️⃣ You are reducing debt: Your budget should help you allocate extra funds to pay off debt. If you are making your minimum payments on time and consistently lowering your debt, this is a sign that your budget is helping you reduce your reliance on credit. 5️⃣ You are progressing towards financial stability: Building savings, reducing debt, and establishing a financial cushion for unexpected expenses are all tangible results in your overall financial health! It’s okay if you only see some of these signs—that’s still progress! The more knowledge you gain, the more your budget will progress and get better. How many of these signs are you seeing? Give me a 1-5 in the comments. I am currently at 5! #thebudgetmom #budget #budgetgoals #budgeting101 #budgetbypaycheck #budgetingforbeginners

Kumiko Love Instagram - I get asked a lot about how I am always so motivated to work on my finances or budget every day. The truthful answer is that I'm not. Over the past eight years, I have developed self-discipline, which I lean on and depend on when I am not feeling motivated. In the beginning, this entailed identifying my strengths, admitting my flaws, and nurturing my weaknesses. I also had to work on visualization and being specific with my goals. Clarity isn't enough; you have to have execution. I then took steps daily to reach those goals, even when I didn't feel like it. Once I knew the action steps to take and my goals, I practiced. Every single day. I found accountability here in #tbmfamily and worked on changing my mindset. Even when you are not motivated, you have to remember what you are fighting for and WHY. #thebudgetmom #moneymindset #motivationvideo #moneymotivation #financialjourney #debtfreegoals #moneygoals #budgetbypaycheck #motivatedtosucceed #selfdiscipline #selfdisciplineiskey #consistencymatters

I get asked a lot about how I am always so motivated to work on my finances or budget every day. The truthful answer is that I’m not. Over the past eight years, I have developed self-discipline, which I lean on and depend on when I am not feeling motivated. In the beginning, this entailed identifying my strengths, admitting my flaws, and nurturing my weaknesses. I also had to work on visualization and being specific with my goals. Clarity isn’t enough; you have to have execution. I then took steps daily to reach those goals, even when I didn’t feel like it. Once I knew the action steps to take and my goals, I practiced. Every single day. I found accountability here in #tbmfamily and worked on changing my mindset. Even when you are not motivated, you have to remember what you are fighting for and WHY. #thebudgetmom #moneymindset #motivationvideo #moneymotivation #financialjourney #debtfreegoals #moneygoals #budgetbypaycheck #motivatedtosucceed #selfdiscipline #selfdisciplineiskey #consistencymatters

Kumiko Love Instagram - It's finally up! The longest video I have ever created for YouTube! I never thought I would ever be on video talking about breadmaking. But here I am! I have become obsessed with sourdough since starting my journey almost four months ago. I set out on a mission to learn all I could and consistently bake good loaves to feed my family and share with friends. I have a feeling that, just like a financial journey, your sourdough journey doesn't have a finish line. In fact, just since making this video, I have learned how to temp my dough and bulk ferment more accurately. I have also fallen in love with a new book and plan to try a new recipe. Make sure to check the YouTube video's description, where I share some really important notes about the video. If you are interested, overwhelmed, or scared to start sourdough, WATCH THIS VIDEO! Check my stories for the link to watch the 1.5-hour video, or head to my YouTube channel! #thebudgetmom #sourdoughjourney #sourdoughbaking #sourdoughrecipes #sourdoughvideo #sourdoughforbeginners #youtubechannel

It’s finally up! The longest video I have ever created for YouTube! I never thought I would ever be on video talking about breadmaking. But here I am! I have become obsessed with sourdough since starting my journey almost four months ago. I set out on a mission to learn all I could and consistently bake good loaves to feed my family and share with friends. I have a feeling that, just like a financial journey, your sourdough journey doesn’t have a finish line. In fact, just since making this video, I have learned how to temp my dough and bulk ferment more accurately. I have also fallen in love with a new book and plan to try a new recipe. Make sure to check the YouTube video’s description, where I share some really important notes about the video. If you are interested, overwhelmed, or scared to start sourdough, WATCH THIS VIDEO! Check my stories for the link to watch the 1.5-hour video, or head to my YouTube channel! #thebudgetmom #sourdoughjourney #sourdoughbaking #sourdoughrecipes #sourdoughvideo #sourdoughforbeginners #youtubechannel

Kumiko Love Instagram - Today, I am setting aside time to wrap up my budget. I have found that ddressing smaller tasks throughout the month reduces end-of-month stress. Planning your budget ahead of payday and staying organized for the month ahead are essential for financial success. Take things gradually, focusing on one task at a time. Who else is prepared for their first April paycheck?! This is my small nudge on you to start today, even if it's a small step! ❤️❤️ #thebudgetmom #budget #personalfinance #budgetbypaycheckmethod #budgetbypaycheckworkbook #budgetbypaycheck #budgettips

Today, I am setting aside time to wrap up my budget. I have found that ddressing smaller tasks throughout the month reduces end-of-month stress. Planning your budget ahead of payday and staying organized for the month ahead are essential for financial success. Take things gradually, focusing on one task at a time. Who else is prepared for their first April paycheck?! This is my small nudge on you to start today, even if it’s a small step! ❤️❤️ #thebudgetmom #budget #personalfinance #budgetbypaycheckmethod #budgetbypaycheckworkbook #budgetbypaycheck #budgettips

Kumiko Love Instagram - I am sharing a new journey with you today! Thank you @messybunmotherhood for this delicious recipe for my baby boy! 1 small avocado (mashed) 1/4 cup flour 1 egg 1/2 tsp baking powder Mash avocado. Add other ingredients. Cook on lightly greased pan, flip after a couple of minutes. Super easy! Dante is finally showing signs of wanting to eat finger foods, so we are starting baby-led weaning! I paired this with organic full-fat yogurt and raspberries!🤤🤤 I have been tempted to spend money on all of these pre-made baby foods. I'm learning that I can feed Dante from foods we already have at home. It takes some extra preparation, but these turned out AMAZING! See my stories for the crazy food mess Dante made while chowing these down. 🤣🤣 Do you have an 8-month-old? What are you feeding them that they are loving? #thebudgetmom #momstruggles #babyledweaningideas

I am sharing a new journey with you today! Thank you @messybunmotherhood for this delicious recipe for my baby boy! 1 small avocado (mashed) 1/4 cup flour 1 egg 1/2 tsp baking powder Mash avocado. Add other ingredients. Cook on lightly greased pan, flip after a couple of minutes. Super easy! Dante is finally showing signs of wanting to eat finger foods, so we are starting baby-led weaning! I paired this with organic full-fat yogurt and raspberries!🤤🤤 I have been tempted to spend money on all of these pre-made baby foods. I’m learning that I can feed Dante from foods we already have at home. It takes some extra preparation, but these turned out AMAZING! See my stories for the crazy food mess Dante made while chowing these down. 🤣🤣 Do you have an 8-month-old? What are you feeding them that they are loving? #thebudgetmom #momstruggles #babyledweaningideas

Actress Kumiko Love HD Instagram Photos and Wallpapers March 2024

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