In this episode of the Miko Love Podcast, host Kumiko Love dives into a variety of topics centered around personal finance, budgeting, and the journey of financial fulfillment.

She shares her own experiences as The Budget Mom, discusses the importance of motivation versus self-discipline in budgeting, and offers insights on balancing family spending with long-term financial goals.

Kumiko also emphasizes the significance of teaching children about money management, shares success stories from her community, and provides practical advice on building an emergency fund and handling joint finances in relationships.

KEY TAKEAWAYS

• Financial freedom and financial fulfillment are two different concepts.
• Staying motivated in budgeting requires self-discipline and routine.
• Life events can shift your perspective on spending and saving.
• Sinking funds help manage holiday spending stress-free.
• Teaching kids about money involves showing them how to provide value.

EPISODE CHAPTERS

>> 00:00 Introduction to the Miko Love Podcast
>> 01:26 The Journey of The Budget Mom
>> 09:22 Staying Motivated on a Budget
>> 15:27 Balancing Family Spending and Long-Term Goals
>> 20:04 Managing Holiday Spending with Sinking Funds
>> 25:18 Teaching Kids About Money
>> 30:00 Success Stories from the Budget Mom Community
>> 34:15 Building an Emergency Fund
>> 38:13 Handling Joint Finances in Relationships

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love engages with spending coach Paige Pritchard to explore the emotional and psychological aspects of spending.

They discuss how emotional triggers, such as boredom and sadness, lead to impulse shopping and overspending. The conversation emphasizes the importance of self-awareness, understanding one's triggers, and developing healthier spending habits.

They also touch on the impact of social media on consumer behavior and the value of delayed gratification in financial decision-making. The episode concludes with practical advice for listeners on how to navigate their spending habits with compassion and understanding.

IMPACTFUL QUOTES

• "Emotional spending will always be part of our lives."
• "100% of the spending that you do is emotional spending."
• "Boredom is probably the most common trigger."

EPISODE CHAPTERS

>> 00:00 Introduction to Emotional Spending
>> 02:47 Understanding Emotional Triggers
>> 06:08 The Role of Environmental Triggers
>> 08:54 Identifying Internal and External Triggers
>> 12:14 The Three A's of Spending Awareness
>> 15:04 Creating Healthy Spending Habits
>> 18:00 The Importance of Delayed Gratification
>> 20:50 Social Media's Impact on Spending
>> 23:52 Finding Balance in Retail Therapy
>> 26:47 Conclusion and Resources

ABOUT PAIGE

Paige Pritchard is a spending coach who helps women overcome impulse shopping and overspending. After struggling with her own spending habits and blowing through her $60,000 salary at 22, she turned her finances around by paying off $40,000 in student debt, cash flowing her MBA, and building a six-figure investment portfolio by 29. A certified life coach since 2020, Paige now coaches thousands of women through her podcast, The Money Love Podcast, and her group coaching membership, Overcoming Overspending. Her work has been featured in NBC News, The Washington Post, BuzzFeed, and more.

• Instagram: @overcoming_overspending
• Podcast: The Money Love Podcast
• Free Masterclass: Why You Impulse Shop & How To Stop
• Work with Paige: Overcoming Overspending Membership

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love dives into the world of sourdough baking with expert Andra Stefanescu. They discuss the journey of sourdough, its health benefits, and the rise in popularity during the COVID-19 pandemic.

Andra shares her personal experiences, tips for beginners, and the importance of understanding the process behind sourdough baking. The conversation also touches on the mental health benefits of baking, the essential tools and ingredients needed, and the significance of community support in starting this rewarding hobby.

EPISODE CHAPTERS
>> 00:00 Introduction to Sourdough Passion
>> 05:24 Andra's Sourdough Journey
>> 11:10 The Rise of Sourdough During COVID
>> 16:55 Health Benefits of Sourdough
>> 21:36 Getting Started with Sourdough
>> 27:23 Essential Tools and Ingredients
>> 32:03 Achieving the Perfect Crust and Crumb
>> 39:40 Understanding Sourdough Discard
>> 43:26 Coaching and Classes in Sourdough Baking
>> 50:33 Mental Benefits of Sourdough Baking

You can watch me make sourdough here!

ABOUT ANDRA

Andra Stefanescu is a self taught sourdough home baker, passionate not only about making bread, but also about helping others get on the sourdough journey or improve their bakes.

She's been making sourdough bread for 5 years, as nothing quite compares to it. It's the joy of a fresh warm loaf of bread and sharing it with others, controlling what goes in, the health benefits, but also the therapeutic effect of handling dough. And above all, it's fascinating how with just three ingredients, water, flour and salt, you can make the most delicious bread at home.

Andra is offering Online Sourdough Courses, as well as One to One Coaching for those having very specific questions or challenges they need support with.

Follow Andra on Instagram!

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!

In this episode of the Miko Love Podcast, host Kumiko Love interviews Randi Orm, an accomplished ultra marathon runner and coach. They discuss Randi's inspiring journey in running, the emotional connections to the sport, and the importance of mental toughness.

Kumiko shares her own running experiences and goals, including her transition from casual running to preparing for her first marathon and aspirations for ultra marathons.

The conversation also touches on balancing running with life commitments, nutrition for endurance athletes, and the challenges faced during Randi's participation in the reality show Race to Survive New Zealand. The episode concludes with a powerful message about the transformative impact of running on personal growth and emotional healing.

IMPACTFUL QUOTES

• "You don't need to be fast or go far to be a runner."

EPISODE CHAPTERS

>> 00:00 Introduction to the Miko Love Podcast
>> 05:19 Meet Randi Orme: A Running Inspiration
>> 08:39 The Emotional Connection to Running
>> 14:51 Starting Your Running Journey
>> 18:39 Building Mental Toughness in Running
>> 38:55 Balancing Running with Life Commitments
>> 49:57 Transitioning from Marathon to Ultra Marathon
>> 01:15:27 Challenges Faced on Race to Survive New Zealand
>> 01:23:03 The Impact of Running on Life

KEY TAKEWAYS

• Consistency is key when starting a running journey.
• It's okay to walk during a race; it doesn't make you less of a runner.
• Nutrition plays a crucial role in endurance training.

ABOUT RHANDI

Rhandi Orme is a dedicated running coach and personal trainer with over 21 years of experience, residing in Northern Utah with her husband and five kids. As an ultra marathon champion and accomplished athlete, Rhandi has set impressive personal records, including a 1:23 half marathon, a 3:03 marathon, and an 18-hour 100-miler. She’s also an ironman triathlete and mountaineer.

Beyond her athletic achievements, Rhandi was a cast member on the hit USA Network TV show "Race to Survive New Zealand." When she’s not coaching or running, you can find her enjoying the outdoors with her family, cooking, baking, or diving into a good book.

Check out Rhandi’s website for more details on her coaching program, where she helps runners of all levels achieve their personal bests and conquer new challenges!

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!

In this special episode, Kumiko Love answers your most pressing questions submitted by listeners! From budgeting tips and financial strategies to personal insights and life advice, Miko dives deep into the topics that matter most to you. Tune in for a candid, informative, and inspiring conversation tailored to your curiosities and concerns.

Today's questions include:

The hardest part of being an entrepreneur: Kumiko shares the challenges she faces in running her business.

Best high-yield savings accounts: She provides recommendations for high-yield savings accounts.

Next dream to conquer: Kumiko discusses her next personal or professional goal.

Buy now, pay later options: She offers insights into using buy now, pay later services.

Favorite Peloton instructors: Kumiko shares her top Peloton instructors and how they motivate her.

Challenges of being a mom: She talks about balancing motherhood with other responsibilities.

Starting over on a debt-free journey: Kumiko provides advice for those starting over in their journey to become debt-free.

Managing finances with ADHD: She discusses strategies for managing finances while living with ADHD.

Applying money to debt after paying bills: Kumiko explains how to allocate funds toward debt after covering monthly expenses.

Journey towards minimalism: She shares her experiences and progress toward adopting a minimalist lifestyle.

Setting clear financial goals: Kumiko emphasizes the importance of setting clear and actionable financial goals.

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EPISODE CHAPTERS

>> 00:00 Introduction and Overview
>> 00:51 The Challenges and Rewards of Being an Entrepreneur
>> 06:06 Choosing the Best High-Yield Savings Account
>> 11:22 Conquering Dreams: Early Retirement and Homesteading
>> 15:24 Favorite Peloton Instructors: Jess Sims and Rebecca K

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!

In this episode, Kumiko Love discusses the importance of setting boundaries in various areas of life, including emotional, mental, physical, financial, and personal. She shares her personal journey and struggles with setting boundaries and provides practical tips for establishing and maintaining them.

Kumiko emphasizes the significance of saying no without guilt, walking away from toxic relationships, giving oneself permission to have privacy, prioritizing time and energy, making self-care a non-negotiable, and setting financial boundaries. She also encourages listeners to embrace the courage to disappoint others and prioritize their own well-being.

IMPACTFUL QUOTES

• "Setting boundaries is self-care."
• "When you say no to something that doesn't serve you, you're saying yes to something that does."
• "It's okay to love someone from afar."

EPISODE CHAPTERS

>> 00:00 Introduction and Overview
>> 03:19 The Power of Setting Boundaries
>> 05:17 Saying No Without Guilt
>> 09:38 Walking Away from Toxic Relationships
>> 12:29 Giving Yourself Permission to Have Privacy
>> 18:17 Prioritizing Time and Energy
>> 20:40 Making Self-Care Non-Negotiable
>> 25:28 Setting Financial Boundaries
>> 28:37 Embracing the Courage to Disappoint Others
>> 31:00 Conclusion

My Journey to Buying My Dream Home With Cash

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, Kumiko Love chats with C-section recovery specialist Nicole Alfred.

Nicole opens up about her personal journey, emphasizing the importance of scar massage, proper postpartum care, and the challenges of both physical and emotional recovery.

They also tackle societal pressures to "bounce back" after childbirth and highlight the significance of self-care and mental well-being. Nicole offers valuable tips on preparing for a C-section, creating a birth prep ritual, and shares resources to support C-section recovery.

IMPACTFUL QUOTES

• "When you learn to accept and process what you've been through, you don't look at your body as a failure. You look at it as a powerful tool that helped to bring this baby earth side."

EPISODE CHAPTERS

>> 00:00 Introduction and Personal Experience with Traumatic C-Section
>> 02:20 The Importance of C-Section Scar Massage
>> 03:46 Societal Pressure to Bounce Back After Childbirth
>> 11:33 The Need for Better Postpartum Care for C-Section Moms
>> 27:37 Accepting and Celebrating the Post-C-Section Body
>> 29:00 Rehabilitation and Support: The Key to Successful C-Section Recovery
>> 39:00 Preparing for a C-Section: Creating a Birth Prep Ritual
>> 41:40 Nurturing Yourself During C-Section Recovery
>> 44:25 Resources for C-Section Recovery: Nicole's Programs and Support

ABOUT NICOLE ALFRED

Nicole Alfred is a cesarean recovery coach, registered massage therapist, and mother of three. She has given birth three times by C-section: one emergent and traumatic, the other two empowered and planned.

Her different experiences opened her eyes to the lack of support mothers receive post-operatively. Nicole sees a need for much more emotional and physical attention. Nicole believes there are important steps that new mothers need to take, beginning immediately after surgery and continuing through the first 12 weeks postpartum, to optimize their recovery.

These steps include restoring normal function with everyday movements, wound & scar healing, core muscle system recovery, and connecting with the incision scar to facilitate emotional processing and healing.

Get her FREE Belly Shelf Guide here or go to her website!

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!

In this episode of The Miko Love Podcast, Kumiko dives into the growing threat of data breaches and identity theft, a concern that’s becoming all too common as companies face increasing security challenges.

She shares practical steps to safeguard your money and assets, including freezing your credit, using two-factor authentication, and staying vigilant for signs of compromise. Kumiko also clarifies the difference between a credit freeze and a credit lock, and stresses the importance of regularly checking your credit report.

Tune in to learn how to take proactive measures to protect yourself and minimize the impact of potential data breaches.

TAKEAWAYS

• Freeze your credit with all three major credit bureaus to prevent criminals from accessing your financial accounts and opening new ones in your name.
• Implement two-factor authentication for all your online accounts to add an extra layer of security.
• Regularly monitor your credit and be vigilant for any signs of compromise, using tools like Credit Karma for notifications and pulling your credit report.
• Choose a credit freeze over a credit lock, as freezes offer more legal protections and are free of charge.

Contact each of the three major credit bureaus — Equifax, Experian and TransUnion — individually to freeze your credit:

• Equifax: Call the automated line at 800-349-9960 or customer care at 888-298-0045, or go online.
• Experian: Go online to initiate, or for information call 888‑397‑3742.
• TransUnion: Call 800-916-8800 or 888-909-8872, or go online.

Request copies of your credit report from the main credit reporting agencies – Equifax, Experian, and TransUnion – and examine them for any unexplained accounts opened in your name.

You are entitled to order a free copy of your credit report from each of the major credit reporting agencies every 12 months through AnnualCreditReport.com.

Get free identity monitoring with Credit Karma here!

About Kumiko:

Kumiko Love is the creator of The Budget Mom, LLC, a national bestselling author of the book "My Money My Way," and an Accredited Financial Counselor.

She is a dedicated mom of two boys, a passionate sourdough baker, and the proud owner of Pine Manor Naturals.

With over 2 million followers across social media, Kumiko's expertise and approachable style have been featured in major media outlets such as Forbes, The New York Times, and Good Morning America.

As the host of The Miko Love Podcast, Kumiko dives into the exploration of her own passions and a range of captivating topics, offering fresh perspectives and engaging discussions about life. She inspires millions to take control of their financial lives while embracing passionate living and life fulfillment.

Thank you for being a part of our community!

Contact The Miko Love Podcast

• Follow me on Instagram @mikolovepodcast
• Email me at kumiko@mikolovepodcast.com

Thanks for listening & keep feeding your curiosity!