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  • workbook instructions
  • blank monthly budget
  • expense tracker
  • variable expense tracker
  • bill tracker
  • blank monthly calendar

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Kumiko The Budget Mom

Hi there! I'm Kumiko, or just call me Miko.

I was tired of making the minimum payments on my credit cards so I paid off $21,000 of debt and became an Accredited Financial Counselor®.

I created a life I love on budget I can actually afford, and my goal is to help you do the same!