Preorders for the Budget by Paycheck® Workbooks start August 18th! 🎉🥳 Shipping begins September 15th. These workbooks were designed to help you organize your finances on your terms. Whether you’re paid weekly, biweekly, or monthly—you’ll be able to budget based on your actual paychecks, not someone else’s timeline. A few quick details: 🩷 Fully undated—start whenever you’re ready 🩷 Comes in two sizes: — Small: $47 (8 ¾” x 9 ½”) — Large: $51 (10″ x 11″) 🩷 3 pages of stickers coiled into the back 🩷 Pocket folder & monthly tab stickers 🩷 Reinforced, changeable cover 🩷 Weight: 2.2 lbs to 3.4 lbs 🩷 Full 3D flip-through at BudgetByPaycheck.com And no—you don’t have to use cash to use the method. The Cash Envelope Breakdown worksheet can also help you: • Map out variable expenses • Track sinking fund transfers • Prepare for big purchases I created this workbook because I needed something that didn’t just track numbers—but helped me live a life where money felt less chaotic, more intentional, and actually aligned with what mattered to me. I’ll be starting my new workbook in January 2026—when will you start yours? #budgetbypaycheck #thebudgetmom #paycheckbudgeting #cashenvelopemethod #budgetplanner #budgetworkbook #debtfreejourney #personalfinance #budgetingtools #sinkingfunds #budgetingtips #zerobasedbudget #budgetingcommunity #budgetsetup #financialfreedom #savemoney #financialplanning
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
@thebudgetmom It’s not about the eggs. It’s about how you see money. Most people look at $15 and think, “That’s not much.” Then they spend it on an impulse buy they’ll forget tomorrow. Wealth builders think differently. They look at that same $15 and see what it could become — an opportunity to grow, invest, and build something lasting. Because wealth isn’t built by doing extraordinary things once — it’s built by doing small, ordinary things consistently. So the next time you catch yourself saying, “It’s just $15,” ask yourself: What could it be instead? If you liked this post, please comment or share so @thebudgetmom keeps showing up in your feed.❤️
When I decided to write a book, I knew I didn’t want it to be just another finance book filled with rules and one-size-fits-all answers. I wanted to write something real. A book that helps you create a life that actually FEELS good — not just financially, but emotionally too. “Financial freedom” never sat right with me. Because I’ve learned you can be out of debt, have a healthy bank account, hit all of your financial goals, and still feel unfulfilled. Still feel lost. Still feel like you’re missing something. What I’ve come to believe is that true financial fulfillment isn’t just about doing better with money — it’s about learning who you are and using that knowledge to build a life that feels aligned, grounded, and genuinely meaningful. In My Money My Way, I share the three things that changed everything for me: stability, clarity, and confidence. And here’s the most important part — you don’t have to wait until you “have it all together” to start creating these. You can build them right where you are. The Budget by Paycheck Method isn’t about restriction. It’s about building a strong foundation, then layering on top of it the goals, habits, and values that make your life uniquely yours. You’re not following someone else’s plan — you’re creating your own. Comment MMMW and I’ll send you a link to check out the book. I poured my heart into these pages — and I hope it gives you exactly what you need to begin writing your own story. 💛 #thebudgetmom #mymoneymyway #budgetbypaycheck #financialfulfillment #clarityandconfidence #intentionalfinance #financialgrowth
@thebudgetmom If you’ve ever Googled “Roth vs. Traditional IRA” and ended up more confused than when you started, this is for you. When people ask me which one they should open, what they’re really asking is: 👉 “When should I pay taxes. Now or later?” Here’s what most people miss: your IRA choice is more than just a retirement decision. It’s a tax strategy. It shapes how much control you’ll have over your money in the future. And that flexibility? It’s powerful. Because when your income in retirement comes from both taxable and tax-free accounts, you get to choose how much tax you pay each year, not the IRS. If you’d like to see more posts that make investing feel simple and doable, make sure to like and save this post so @thebudgetmom shows up in your feed. Follow for more!
@thebudgetmom Welcome to my Budget by Paycheck Method series, where I break down every step in my method — the same one that’s helped thousands of people take back control of their money and finally create a budget that actually works in real life. Step Eight: Creating Your Paycheck Budget. As a paycheck budgeter, you create a new budget every time you get paid. If you’re paid multiple times a month — or if you and your spouse both get paid — you can combine paychecks to have fewer budgeting days. The goal is to make budgeting work for your schedule and life, not the other way around. The Budget by Paycheck Method uses a zero-based budget, which means you give every dollar a job. Your income minus your expenses, savings, and debt payments should equal zero — not because you spend it all, but because every dollar has a purpose. This is the step where all the work you’ve done finally comes together into a plan that’s personal, flexible, and realistic. Your budget should feel like you. Because when you build a strong financial foundation, you don’t just change your budget — you change your life. Save this post if you’re following along with the series, and make sure to comment if you’ll be following the series, and follow @thebudgetmom so I continue to show up in your feed!
@thebudgetmom And just like that… we’ve reached the end of the Budget by Paycheck Method series. 💛 If you’ve followed along, I hope you now see that this method isn’t just about budgeting — it’s about transformation. You’ve discovered your why, faced your spending habits, learned to plan for real life, and created a budget that reflects you. Because budgeting isn’t about restriction — it’s about awareness, choice, and building a life that feels aligned with what truly matters. You now have the tools, the steps, and the understanding to manage your money with confidence — not perfectly, but intentionally. And as you continue this journey, remember: your budget is meant to grow and change with you. Thank you for showing up, for doing the work, and for letting me be a small part of your journey. 💛 Because when you build a strong financial foundation, you don’t just change your budget — you change your life. Follow @thebudgetmom for more budgeting help, financial tips, and encouragement as you continue your journey.
Meal planning isn’t just about what’s for dinner — it’s about what’s happening with your money. 🍽️💵 When you plan your meals ahead of time, you’re not only saving money by avoiding last-minute takeout or food waste, but you’re also making intentional choices with your grocery budget. It helps you shop with a purpose, use what you already have, and avoid impulse buys that can quietly drain your wallet. 🛒 Less waste 🍕 Fewer drive-thru trips 💰 More money left in your budget Meal planning = one of the best ways to take back control of your spending, one meal at a time. I personally like to meal plan every single week, and I use Pinterest to find my recipes. (You can find my Pinterest boards over on pinterest.com/thebudgetmom) Do you meal plan or wing it? Let me know below! What are your favorite recipes? 👇 #mealplanningtips #budgetmeals #savemoneyonfood #budgetfriendly #mealprepideas #grocerybudget #frugalliving #smartspending #thebudgetmom #budgetbypaycheck
I stopped chasing money when I realized it was never the end goal—it’s just a tool. A tool to buy back my time. To create space for what matters. To build a life that feels aligned with who I am, and what is best for my family. Because at the end of the day, the freedom to choose—not more—is what I’m after. #thebudgetmom #budgetbypaycheck #timefreedom #moneyasatool #liveintentionally #redefiningsuccess #moneymotivation
🎉It’s time for a Spring SALE!🎉 ⭐️Live Rich Planners are 35% off (price reflected in the shop) ⭐️Pens, Highlighters, and Bookmarks are 40% off with CODE TBM40 ⭐️Physical Cash Envelopes are $9.99 ⭐️100 Challenge Kit & TBM Savings Challenges: Volume One (physical version) are 30% off (price reflected in the shop) ⭐TBM Wallet Organizer (this is the wallet I use!) is $39 and comes with a FREE set of cash envelopes! Shop.TheBudgetMom.Com 📌Sale happening now and ends Sunday, April 13th at 11:59pm PST #springsale #budgetsavings #shopsmart #deals #sale #thebudgetmom #budgetbypaycheck #liverichplanner
🎉It’s time for a Spring SALE!🎉 ⭐️Live Rich Planners are 35% off (price reflected in the shop) ⭐️Pens, Highlighters, and Bookmarks are 40% off with CODE TBM40 ⭐️Physical Cash Envelopes are $9.99 ⭐️100 Challenge Kit & TBM Savings Challenges: Volume One (physical version) are 30% off (price reflected in the shop) ⭐TBM Wallet Organizer (this is the wallet I use!) is $39 and comes with a FREE set of cash envelopes! Shop.TheBudgetMom.Com 📌Sale happening now and ends Sunday, April 13th at 11:59pm PST #springsale #budgetsavings #shopsmart #deals #sale #thebudgetmom #budgetbypaycheck #liverichplanner
🎉It’s time for a Spring SALE!🎉 ⭐️Live Rich Planners are 35% off (price reflected in the shop) ⭐️Pens, Highlighters, and Bookmarks are 40% off with CODE TBM40 ⭐️Physical Cash Envelopes are $9.99 ⭐️100 Challenge Kit & TBM Savings Challenges: Volume One (physical version) are 30% off (price reflected in the shop) ⭐TBM Wallet Organizer (this is the wallet I use!) is $39 and comes with a FREE set of cash envelopes! Shop.TheBudgetMom.Com 📌Sale happening now and ends Sunday, April 13th at 11:59pm PST #springsale #budgetsavings #shopsmart #deals #sale #thebudgetmom #budgetbypaycheck #liverichplanner
🎉It’s time for a Spring SALE!🎉 ⭐️Live Rich Planners are 35% off (price reflected in the shop) ⭐️Pens, Highlighters, and Bookmarks are 40% off with CODE TBM40 ⭐️Physical Cash Envelopes are $9.99 ⭐️100 Challenge Kit & TBM Savings Challenges: Volume One (physical version) are 30% off (price reflected in the shop) ⭐TBM Wallet Organizer (this is the wallet I use!) is $39 and comes with a FREE set of cash envelopes! Shop.TheBudgetMom.Com 📌Sale happening now and ends Sunday, April 13th at 11:59pm PST #springsale #budgetsavings #shopsmart #deals #sale #thebudgetmom #budgetbypaycheck #liverichplanner
