Budget By Paycheck® WORKBOOK

Live a life you love on a budget that you can afford. The Budget by Paycheck® Workbook will help you get there!

No other budgeting tool is designed to help you organize your bills, budget your paychecks, track your progress, pay off debt, and save more money, all in one workbook.

Whether you get paid monthly, every other week, or weekly, the Budget by Paycheck® Workbook is designed to help you easily create a unique paycheck budget and financial plan that is based on your pay schedule (not just monthly).

Create a Budget That Works With Your Everyday Life

Have you created budget after budget, only to feel like you are failing time and time again? Have you worked hard to take control of your money only to find yourself falling even more behind? I have.

As someone who struggled with budgeting for years, I can tell you that there is a way out! I was that mom sitting at the kitchen table wondering how I was going to afford to pay my bills. I carried the heavy weight of debt on my shoulders, struggling to find the light at the end of the tunnel.

Throughout my financial journey, I realized that a budget needs to be a true reflection of your life. It’s personal. I wanted to find a resource that could help bring organization to my finances. A tool that could help me budget my money on a pay schedule that worked for me, but also help me pay off debt and save the most of my hard-earned dollars, and–most importantly-help me LIVE the life I always dreamed about without having to constantly worry about money in the back of my mind.

I couldn’t find it. So I decided to create the ultimate budget tool myself.

Introducing the Budget by Paycheck® Workbook.

Introducing the New Budget By Paycheck® Boxed Set

BBP BoxSet

The Budget By Paycheck® Workbook just got better!

Introducing the new Boxed Set with individual monthly budget booklets.

If you have been waiting for a smaller, more portable version of the BBP® Workbook, this is it. You get thirteen booklets dedicated to individual months, with a bonus thirteenth booklet that includes instructional guidance and yearly financial trackers.

Each booklet has a trifold construction and comes with our unique hand-drawn designs. It’s the same Budget By Paycheck® Workbook content & material, just in a different organized system!



Customized bundles

Get the bundle discount – $10 off your order

Introducing the new TBM FiloFax wallet

LRP® & BBP® bundle options


PDF format & file for personal printing

Includes cover, tab, & quote artwork

Two PDF versions – back-to-back & single-sided

336 pages


13 individual booklets

Easy to use & portable

Booklet dimensions: 5.5 inches wide X 8.375 inches tall

Displayed in custom designed box


Dimensions without coil: 8.375 inches wide X 10.875 inches tall

Closed metal coil binding

Durable poly plastic cover for easy cleaning

Double-sided pocket folder


Financial Goals

Identify your short, medium, and long-term financial goals. Breakdown the details, so you know how much you need to save to be successful.

Reminder Woksheet

Never forget about a subscription payment again. Whether it’s an annual payment that gets pulled automatically from your checking account or a semi-annual expense, be financially prepared for those expenses when they come due.

Yearly Savings Goals

Stop feeling pressured to use your credit card. Saving cash for holidays and events, and having savings goals for specific future expenses can keep you from going into more debt. Use this worksheet to map out up to eight yearly savings goals.

Monthly Budget Calendar

The calendar helps you keep track of bills, shows you what bills to pay with what paycheck, and reminds you of special holidays and events for the entire month, so you don’t forget them in your budget.

Yearly Saving Tracker

Track your savings progress month-to-month. Know how much you have saved for each of your goals at any given time.

Brand New Bill Tracker

There is no other budgeting worksheet like it. Create a plan for your money every time you get paid. Budget your monthly bills, sinking funds, cash envelopes, extra savings, and additional debt payments. Each month includes four bill trackers.

Cash Envelope Breakdown

Organize your cash for the cash envelope method. Not only can you figure out which bills and how many to get of each, but know what bills to use for each envelope ahead of time. Make things easy when you go to the bank by using the cutout bank teller slip.

Money Tracker Worksheet

If you tracked your spending, it’s time to extract the vital information that can make the most significant difference in your financial life. Break down your spending into categories, figure out your realistic budget limits, and compare your spending from month-to-month.

Expense Tracker

Nothing is more important than tracking your spending. Awareness and the ability to know where to cut costs in your budget is crucial. It’s time to see where every dollar is going.

Debt Plan Worksheet

If you are on a debt payoff journey, nothing is more motivational than seeing progress. Write out a list of your debts, their interest rates, minimum payments, and current balances. Use the guided formulas to figure out your monthly progress as well as your overall debt progress using percentages and dollars.

Net Worth Tracker

Get a snapshot of your financial health every month. Track your progress over time by listing out your assets and liabilities.




I just wanted to let you know how thankful I am that I stumbled across your blog and page! I have been struggling to get ahead of our finances and it seemed like nothing I did was working. I’m only two weeks into using your method, but I AM OBSESSED!

— Karlie L

My name is Mary. I live in Hawaii and am the mother of 5 children. When I was younger, I signed up for multiple credit cards and student loans. I racked up $30,000 in debt. I pretended for years that I didn’t have any debt. This workbook helped me get control of my spending and my life on track. I know I will be purchasing this book every year.

— Mary M.

Hi Miko! Wanted to share a win with you. After starting your budgeting method last October, I set a goal for myself for 2019 to pay off $15k of debt. I did it!

— Jess N

The highlighter method is genius!!! I’ve always kind of budgeted like that but never the way you do and teach it and it’s genius!!! So thank you!!!!

— Jamie T

Thank you Kumiko for sharing your experiences with the rest of us! You’ve proven that it is possible to get out of debt and I truly enjoy my budget journey now that I know I can have fun and pay my debt. You are my inspiration! Thanks a bunch!

— Amanda W

We still have a little while to go to be debt free but we can see the finish line and it’s all thanks to you and your amazing method. We encourage our family and friends to follow you every time the topic comes up. THANK YOU for guiding us through the hardest most rewarding journey of our lives!

— Nancy H.

Unfortunately, my husband was laid off last week but because I know exactly where my finances are, we are in a much better place we would have been a year ago and have an emergency fund to get us through. You have made it possible for me to provide for my family and we are forever thankful.

— Tiffany P

The Budget By Paycheck Workbook has completely turned our lives around! We have gone from carelessly swiping our credit cards and fearfully checking our bank accounts to paying ourselves first, tracking our spending, and checking our bank accounts at least once a day. We have paid off around 10,000 worth of debt and have almost 7,000 saved for a house!

— Marisol R.

But that’s not all you get

I realize that a workbook is not going to transform your finances overnight. You need real guidance, you need support and accountability, as well as guided instruction along the way.

The Budget by Paycheck® Workbook was created especially for YOU: your goals, your dreams, your financial future.

It’s an entire step-by-step system devoted to teaching you how to tackle your finances so you can live a life you love on a budget that you can afford.

Every purchase of the Budget by Paycheck® Workbook includes tools, support, and video instruction you need to help you implement a personal budgeting system in your own life.

It starts with BBP® Central. You will also get access to the private TBM Family Facebook Community.

BBP® Central

You’ll get FREE access to an exclusive, members-only center that is filled with over ten instructional videos to help you fill out every worksheet in the Budget by Paycheck® Workbook. Packed full of motivation, real-life-examples, detailed videos, and printable freebies.

>>> Visit BBP Central

TBM Family Community

You’ll be invited to a private Facebook group available only to The Budget Mom readers, where you can connect with like-minded women and get support from other members who are reaching their financial goals using The Budget by Paycheck® Workbook.

>>> Visit TBM Family Community


Since releasing the first edition in 2016, I knew that the BBP® Workbook had the potential to change people’s financial lives. Over the years, the testimonials I have received has been absolutely astounding. I also knew that small changes could make a world of difference, including offering a BBP® Workbook that could be mailed directly to your front door.

Here are just a few new features that have been made:

Thicker Cover

We are now using a durable poly plastic cover.


We have changed the order and layout to some of the pages, making it easier to work on each budget. Spend less time flipping from the front to the back of each month.

Instructional Guidance

Reference four pages of instructions that show you how to use each worksheet in the BBP® Workbook.

New Designs

Now you can pick between two different designs. Each design is hand drawn and completely unique.

Pocket Folder

Stay more organized by storing your bills and extra paperwork.


Each BBP® Workbook comes with two small sheets of budget themed stickers

Mylar Tabs

Each tab is mylar reinforced, preventing breaking or tearing of monthly tabs.

Metal Binding

More durable and will hold up to everyday use.

BBP® Box Set

Now your budget is more portable than ever. The BBP® Workbooks is now broken down into individual monthly booklets.


– New closed metal coil binding
– Durable ply plastic cover
– Double-sided pocket folder
– Two-sheet custom budgeting stickers
– The Budget By Paycheck Box Set

I understand that this is an investment for your life and future. Committing to an entire workbook is a big decision, and I want you to feel excited and confident with any purchase you make on TBM.

I ask that you review all the information about this product before you commit to buying. Please review all photos in detail, as well as, make sure the dimensions and sizes will work best for your life and will suit your financial needs.

All workbook sales that are mailed directly to your door, unless damaged or defective, are final once shipped. If you buy the printable version, please see my shop policies for further information on printable products.

All workbooks will be shipped 2-3 days after the order is placed. Due to the nature of manufacturing, quantities are limited. In order to guarantee your copy, I recommend placing your order as soon as possible. All workbook orders are shipped out in the order they are received.

For special product launches or events that cause a lot of orders at once, please allow an extra 5 days for processing time.

The Budget by Paycheck® Workbook is undated, which means you can begin using it any time, and for an entire twelve months.

If you want to ship the Budget by Paycheck® Workbook internationally, import duties, taxes or other charges are not included in our shipping price. Always make sure that you consult with your country’s customs office prior to purchasing to determine these specific prices.

Please verify your shipping address during the checkout process, prior to submitting your order. I am unable to cancel orders or make changes to order information once the order is finalized and the order shipping label is printed.

The Budget by Paycheck® Workbook is in high-demand, which means we sell out quickly. We do produce more product once stock runs out, but we might see some delay in production. Please check back in  a couple weeks to see if the product is available.

The Digital Download version of the BBP® Workbook contains all worksheets and tab art as the shipped version of the workbook. There are 247 pages + cover, quotes and tab art. Once you complete your order, you will receive an email with a link to download your product. You will have access to two printable versions:

One-Sided Printing
Two-Sided Printing for Book Binding
Due to the size of the file, many readers find that printing only the worksheets they will need for the month works best for printing costs, not the entire workbook.

The cost of printing the workbook at home varies depending on where you print it and the quality of paper you choose. Printing costs will vary. Here are some affordable printing companies that many readers use for their printing needs:


We do a new launch of the Budget By Paycheck® Workbook, with new designs and upgrades, every October 15th. If you ordered during preorders, which start in September your workbook will ship October 15th – 22nd.


Make sure to follow @budgetbypaycheck on Instagram for more inspiration!


Welcome, I’m Miko!

Today, I give you permission to find hope with your finances.

I know what it’s like to want a better life, to want more from your dollars, and to find a budgeting method that finally starts showing you signs of success and progress. I want to help you create a realistic budget so you can stop feeling overwhelmed and start having fun with the budgeting process.

In my own life, I have discovered life-changing AHA moments and what a difference taking the time to write it all out on paper can make. I wanted to create a resource that allowed me to think outside of the budgeting box so I could tackle my financial goals MY WAY. I genuinely believe that the Budget by Paycheck® Workbook and my system will allow you to find your own AHA moments.

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