How Paying Off Debt Gives You the Freedom to Choose the Life You Want with Kumiko Love

#026: In today’s episode, Chelsea chats with Kumiko Love of The Budget Mom who paid off $77,000 of debt, and more recently, bought her dream home...in cash! They cover Miko’s journey—how her money mindset played a major role as she paid off debt and started to reach for bigger goals, what financial security and independence means for her, and dive into her process for getting started on your own debt freedom journey. There is so much power, freedom, and security in getting out of debt and giving yourself more options. We hope this episode will inspire your own journey, whether you’re well on your way or just getting started.  (08:24) How Kumiko would reward herself whenever she would hit a goal and how those rewards were part of her biggest mindset shift  (12:19) Kumiko shares what financial security and financial freedom mean to her  (17:46) How to get started with paying off debt even when you don’t believe it’s possible  (20:21) Kumiko’s 3-step process for creating a successful budget as well as how to budget when you have fluctuating income  (36:48) What she wishes all moms knew about money  (39:50) Chelsea’s Top Takeaways  Looking for more information, mama? Visit the show notes at https://www.smartmoneymamas.com/kumiko  Free Debt Payoff Trackers: https://smartmoneymamas.com/debt-payoff-trackers