Podcasts about Kumiko

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode I'm joined by Alexa Kumiko Hatanaka as we discuss her latest work on view in the 61st edition of the Venice Biennale.  Alexa is a Japanese-Canadian artist who brings together historical and sustainable craft technologies of her heritage, including hand-papermaking, natural dye, linocut, gyotaku (printing real fish), and washi (Japanese paper). Her work, taking the form of sewn paper sculpture, large-scale print installation, collaborative performances and wearable washi, addresses contemporary questions of climate change and mental health, informed by a decade of community-engaged projects in Nunavut (high arctic) and lived experience with bipolar. Our conversation is thoughtful, intimate, and expansive, centering on how art can create spaces for vulnerability, collective healing, and deeper ways of knowing. ---------------------------------Follow & Subscribe Subscribe on SubstackFollow Light Work on Instagram Follow Folasade Ologundudu on InstagramYouTube - Subscribe to the Light Work YouTube Channel 

Als Namiko an einem gewöhnlichen Mittag in ihrer Wohnung stirbt, beginnt für ihren Ehemann ein jahrzehntelanger Kampf um Antworten. Während die Zeit vergeht, bleibt der Tatort unverändert - in der Hoffnung, dass eines Tages doch noch die Wahrheit ans Licht kommt. Doch was geschah damals wirklich? Und warum musste ausgerechnet Namiko sterben? In dieser Folge sprechen wir über einen der außergewöhnlichsten Kriminalfälle Japans. --- Links --- Hier geht's zur Edelcrime Folge mit Anne https://youtu.be/cAtDFSDhIgY?is=tQIzlgV-5Y1SYkw2 *** Familienfotos von Namiko, Satoru und Kohei https://t1p.de/8dkxr https://t1p.de/1khjw https://t1p.de/v6zg7 *** Foto aus Namikos Notizbuch https://t1p.de/37ly7 *** Fahndungsbild der japanischen Polizei aus dem Jahr 2020 https://t1p.de/9czzy *** Satoru in der Wohnung vor den blutigen Fußspuren https://t1p.de/4jkcp *** Foto von Satoru und Kumiko aus einem Highschool-Jahrbuch https://t1p.de/kabth *** Foto vom Apartmenthaus, in dem der Mord passiert https://t1p.de/uuiub *** Foto aus dem Inneren der Wohnung https://t1p.de/j6jpr *** Satoru und sein Sohn heute https://t1p.de/9xvrh --- Werbepartner [Werbung] --- Rabattcodes und Links von unseren Werbepartnern findet ihr unter https://linktr.ee/schwarzeakte --- Social Media & Kontakt --- Instagram: @schwarzeakte YouTube: @SchwarzeAkte TikTok: @schwarzeakte Mail: schwarzeakte@julep.de Website: www.schwarzeakte.de Pätrick auf Twitch: www.twitch.tv/thepaetrick --- Credits --- Hosts: Anne Luckmann & Patrick Strobusch Redaktion: Stefanie Eisenlauer Schnitt: Anne Luckmann Intro und Trenner gesprochen von: Pia-Rhona Saxe Produktion: Nadine Lentfer-Unterweger und Lea Backes Eine Produktion der Julep Studios Du möchtest Werbung in der Schwarzen Akte schalten? Unsere Kolleg:innen von Julep helfen dir gerne weiter: www.julep.de/advertiser Impressum: www.julep.de/legal/imprint [Wir übernehmen keine Haftung für die Inhalte externer Links.] --- SPOILER --- Dieser Fall ist gelöst.

In this episode of The Healers Cafe, Manon speaks with Kumiko Kanayama, a Shiatsu grandmaster and founder of the Five Lights Center, shared her journey from Hiroshima, Japan, to New York, where she learned Shiatsu at the Ohashi Institute. Kumiko's unique style, Intuitive Shiatsu, emphasizes the balance between the giver and receiver, focusing on energy flow and meridians. For the transcript and full story go to: https://www.drmanonbolliger.com/kumiko-k      Highlights from today's episode include:  Kumiko Kanayama: Touch is a gift of love and kindness that anyone can learn and share. Kumiko Kanayama: In Intuitive Shiatsu, the giver's balance (diet, breath, mindset) is as important as the receiver's. Manon: Our modern society is disconnected from the body and its energy, making healing touch more needed than ever.   ABOUT KUMIKO KANAYAMA Kumiko Kanayama is a shiatsu Grandmaster and the Founder of The Five Lights Center, the longest-running shiatsu foundation in America. A versatile practitioner, Kumiko's many years of practice led her to develop her own style, known as Intuitive Shiatsu™. She has built a thriving practice with devoted clients such as Gisele Bündchen and Nicole Kidman. Her insights have been featured in Insider, Best Life, Well+Good, Parade, Runner's Digest, The Village Voice, You Aligned & Acupuncture Today. Visit: www.fivelightscenter.com to learn more. Core purpose/passion: Kumiko is committed to helping bring spiritual serenity and human touch communication as a means to harmony, not only in her own life but in the lives of those she touches. Bringing the balance and goodness of shiatsu beyond bodywork into the lives of as many as she possibly can. Website | Facebook | Instagram | LinkedIn | Yelp | YouTube |   ABOUT MANON BOLLIGER, RBHT, FCAH: As a retired Naturopath 1992-2021, I saw an average of 150 patients per week and have helped people ranging from rural farmers in Nova Scotia to stressed out CEOs in Toronto to tri-athletes here in Vancouver. My resolve to educate, empower and engage people to take charge of their own health is evident in my best-selling books:  'What Patients Don't Say if Doctors Don't Ask: The Mindful Patient-Doctor Relationship' and 'A Healer in Every Household: Simple Solutions for Stress'. and What if Your Body is Smarter than You Think?  I am the Founder & CEO of The Bowen College Inc. which teaches BowenFirst™ Therapy and holds transformational workshops to achieve these goals. So, when I share with you that LISTENing to Your body is a game changer in the healing process, I am speaking from expertise and direct experience". Mission: A Healer in Every Household! For more great information to go to her weekly blog:  http://bowencollege.com/blog.  For tips on health & healing go to: https://www.drmanonbolliger.com/tips Follow: Manon Bolliger website  | Linktr.ee | Rumble | Gettr  | Facebook | Instagram | YouTube | Twitter | LinkedIn | Follow: Bowen College Inc. | Facebook | Instagram  | LinkedIn | YouTube | Twitter | Rumble | Locals ABOUT THE HEALERS CAFE: Manon's show is the #1 show for medical practitioners and holistic healers to have heart to heart conversations about their day to day lives. Subscribe and review on your favourite platform: iTunes | Google Play | Spotify | Libsyn | iHeartRadio | Gaana | The Healers Cafe | Radio.com | Medioq | Audacy |   Follow The Healers Café on FB: https://www.facebook.com/thehealerscafe     Remember to subscribe if you like our videos. Click the bell if you want to be one of the first people notified of a new release.   * De-Registered, revoked & retired naturopathic physician after 30 years of practice in healthcare. Now resourceful & resolved to share with you all the tools to take care of your health & vitality!  

For it's 40th anniversary, Yuji Okumoto makes his return to share behind-the-scene stories of The Karate Kid Part II. Yuji shares everything from wardrobe fitting to suggesting Kumiko getting punched— tune in as he relives some iconic moments from the film. And if you're a fan of Cobra Kai, Yuji also talks about the end of Chozen's journey in S6 Part 3.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3593: Kumiko of The Budget Mom explains why entering retirement with debt can put serious pressure on a fixed income and reduce the freedom you've worked hard to achieve. She highlights the importance of eliminating unsecured debt, student loans, and mortgage debt before retirement, while offering practical strategies to reduce interest costs, accelerate repayment, and protect long-term financial security. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "If you are living with a fixed retirement income, you might not be able to afford to make the extra payments on the money owed." "I would love to help my son pay for college, but I won't sacrifice my own retirement to do so" "If you can pay off your mortgage before retirement, you can significantly decrease your housing costs, eliminate your biggest expense, and you can make your savings last much longer." Episode references: UTMA (Uniform Transfers to Minors Act) Accounts: https://www.investopedia.com/terms/u/utma.asp Parent PLUS Loans: https://studentaid.gov/understand-aid/types/loans/plus/parent Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3593: Kumiko of The Budget Mom explains why entering retirement with debt can put serious pressure on a fixed income and reduce the freedom you've worked hard to achieve. She highlights the importance of eliminating unsecured debt, student loans, and mortgage debt before retirement, while offering practical strategies to reduce interest costs, accelerate repayment, and protect long-term financial security. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "If you are living with a fixed retirement income, you might not be able to afford to make the extra payments on the money owed." "I would love to help my son pay for college, but I won't sacrifice my own retirement to do so" "If you can pay off your mortgage before retirement, you can significantly decrease your housing costs, eliminate your biggest expense, and you can make your savings last much longer." Episode references: UTMA (Uniform Transfers to Minors Act) Accounts: https://www.investopedia.com/terms/u/utma.asp Parent PLUS Loans: https://studentaid.gov/understand-aid/types/loans/plus/parent Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3593: Kumiko of The Budget Mom explains why entering retirement with debt can put serious pressure on a fixed income and reduce the freedom you've worked hard to achieve. She highlights the importance of eliminating unsecured debt, student loans, and mortgage debt before retirement, while offering practical strategies to reduce interest costs, accelerate repayment, and protect long-term financial security. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "If you are living with a fixed retirement income, you might not be able to afford to make the extra payments on the money owed." "I would love to help my son pay for college, but I won't sacrifice my own retirement to do so" "If you can pay off your mortgage before retirement, you can significantly decrease your housing costs, eliminate your biggest expense, and you can make your savings last much longer." Episode references: UTMA (Uniform Transfers to Minors Act) Accounts: https://www.investopedia.com/terms/u/utma.asp Parent PLUS Loans: https://studentaid.gov/understand-aid/types/loans/plus/parent Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3555: Kumiko shares how striving for an unrealistic standard of perfection led to overspending and financial strain, until she chose to embrace authenticity instead. By redefining her values and aligning her spending with what truly matters, she found both confidence and financial freedom. Read along with the original article(s) here: https://www.thebudgetmom.com/i-stopped-trying-to-be-perfect-and-my-budget-thanked-me-for-it/ Quotes to ponder: "You were born to be real. Not to be perfect." "You don't need fancy manicures, the newest clothes, or perfect hair to be the best version of you." "Stop wearing the dress everyone is telling you to wear, and put on the dang jeans." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3555: Kumiko shares how striving for an unrealistic standard of perfection led to overspending and financial strain, until she chose to embrace authenticity instead. By redefining her values and aligning her spending with what truly matters, she found both confidence and financial freedom. Read along with the original article(s) here: https://www.thebudgetmom.com/i-stopped-trying-to-be-perfect-and-my-budget-thanked-me-for-it/ Quotes to ponder: "You were born to be real. Not to be perfect." "You don't need fancy manicures, the newest clothes, or perfect hair to be the best version of you." "Stop wearing the dress everyone is telling you to wear, and put on the dang jeans." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3555: Kumiko shares how striving for an unrealistic standard of perfection led to overspending and financial strain, until she chose to embrace authenticity instead. By redefining her values and aligning her spending with what truly matters, she found both confidence and financial freedom. Read along with the original article(s) here: https://www.thebudgetmom.com/i-stopped-trying-to-be-perfect-and-my-budget-thanked-me-for-it/ Quotes to ponder: "You were born to be real. Not to be perfect." "You don't need fancy manicures, the newest clothes, or perfect hair to be the best version of you." "Stop wearing the dress everyone is telling you to wear, and put on the dang jeans." Learn more about your ad choices. Visit megaphone.fm/adchoices

SUPPORT THE SHOW ON PATREON patreon.com/lionsledbydonkeys PREORDER JOE'S BOOK https://www.amazon.com/Highlands-Burn-Foundling-Brigade-Saga-ebook/dp/B0GSG5CNXX/ref=sr_1_1?crid=QWHSPAADI07D&dib=eyJ2IjoiMSJ9.uLEY0I7D6t0IC9GWsF7SH1FKEgKqsqTLmV4PQ_lLi-wVUCYgTqIv0BWd9_-x3VzP.xn7v2CqU5MjngXmmSbYvVGsY_fxkvgsz-LA2tkhHHTs&dib_tag=se&keywords=joseph+kassabian&qid=1774247705&s=digital-text&sprefix=%2Cdigital-text%2C176&sr=1-1 SEE US LIVE MAY 29TH IN LONDON: https://www.eventbrite.co.uk/e/lions-led-by-donkeys-podcast-live-in-london-29th-may-tickets-1985443952308 CANT MAKE THE SHOW? WE'RE STREAMING IT! GET YOUR LIVESTREAM TICKETS HERE: https://www.eventbrite.co.uk/e/livestream-lions-led-by-donkeys-podcast-live-in-london-29th-may-2026-tickets-1985444086710 GET SECOND HOME'S DEBUT ALBUM https://secondhomes.bandcamp.com/album/find-a-way-to-hate-it A tiny speck of inhospitable black sand turns into hell on earth as tens of thousands of men slaughter one another over caves, bunkers, and mountains. Armed with explosives, flame throwers, napalm, and more naval gunfire than the Japanese had ever seen, US Marines struggle through one of the most horrific battles of the Pacific Campaign of WWII. Part 1/3 SOURCES: Toll, Ian W. Twilight of the Gods: War in the Western Pacific, 1944–1945 Allen, Robert E. The First Battalion of the 28th Marines on Iwo Jima: A Day-by-Day History from Personal Accounts and Official Reports, with Complete Muster Rolls. Burrell, Robert S. "Breaking the Cycle of Iwo Jima Mythology: A Strategic Study of Operation Detachment" Toland, John. The Rising Sun: The Decline and Fall of the Japanese Empire, 1936–1945 Leckie, Robert. The Battle for Iwo Jima Kakehashi, Kumiko. So Sad to Fall in Battle: An Account of War Based on General Tadamichi Kuribayashi's Letters from Iwo Jima Wheeler, Richard. Iwo Jima. Tatum, Chuck. Red Blood, Black Sand: With John Basilone on Iwo Jima

本日のゲストは、IELTSの専門家で英語講師、そして語学書の著者でもある中林くみこさんです。Kumikoさんは「英語道」という独自の考え方をもとに、これまで7,000人以上の英語学習者を指導してきました。彼女は、語学学習を短い期間で完了させるものではなく、生涯を通じて磨き続けていくものとして捉える大切さを発信しています。カナダで15年間、語学学校の運営や英語指導に携わった経験を持つKumikoさんは、現在オンライン講座や書籍、SNSを通して、無理なく続けられる効果的な英語学習法を多くの人に届けています。今回のエピソードでは、英語学習におけるマインドセット、多読・多聴などによるインプットの重要性、そして長期的な視点で英語と向き合うことの大切さについてお話を伺いました。英語がしっかり身につく学習法を探している方にとって、多くのヒントが得られる内容になっています。Show notes: hapaeikaiwa.com/podcast590Kumikoさんの Info・Kumikoの英語道：https://nakabayashikumiko.com/・X（Twitter）：https://twitter.com/IELTS_expert・Instagram：https://www.instagram.com/kumiko.ielts/00:00　ウェブサイト“英語道“のタイトルに込めた想い05:05　英語を学び始めたきっかけは？08:24　カナダ留学時に足りなかったのは…18:06　Kumikoさんの多読多聴に役立った洋書・テレビ番組28:06　ネイティブの人と話す時のヒント32:21　英語学習は長い道のり！人生に組み込もう38:10　多読多聴が「返り読み」のクセを取り除く43:58　多読のやり方は？わからない単語は調べるべき？52:45　TOEIC・英検とここが違う！IELTSの特色1:00:49　英語で人生はどう変わった？1:05:57　リスナーの皆さんへのメッセージ・・【Podcast Plusで学びを深めよう！】Hapa英会話Podcastをもっと楽しみたい方は、Podcast Plusで一歩先の学びを！

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2958: Kumiko shares her honest journey of learning how to discipline her young son while balancing love, guilt, and consistency. By experimenting with gentle but firm strategies like time-outs, removing privileges, and quiet conversations, she discovers that effective discipline doesn't require harshness. Her reflections offer reassurance and practical insight for parents trying to guide their children with both structure and compassion. Read along with the original article(s) here: https://www.thebudgetmom.com/learning-punish-son/ Quotes to ponder: "I found that if I took the time to actually sit down with my son, talk gently and quietly, he would react more to my requests." "There is no right way to punish your child. There is no right way to be a parent." "Screaming my requests wasn't working, so I switched to quiet conversations with my son." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3510: Kumiko explains that a tax refund isn't a bonus but your own hard-earned money, making it crucial to use it intentionally. She outlines practical ways to strengthen your financial future, from eliminating debt to investing in long-term goals. With a little planning, this seasonal windfall can become a powerful tool for stability and growth. Read along with the original article(s) here: https://www.thebudgetmom.com/what-you-should-really-do-with-that-tax-refund/ Quotes to ponder: "A tax refund isn't free money, so you shouldn't treat it that way." "The best way to avoid wasting your refund on something you'll regret is to make a plan." "But a little savings is better than no savings." Episode references: Acorns Investing App: https://www.acorns.com/ CIT Bank Savings Builder Account: https://www.cit.com/cit-bank/bank/savings/savings-builder-account/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3510: Kumiko explains that a tax refund isn't a bonus but your own hard-earned money, making it crucial to use it intentionally. She outlines practical ways to strengthen your financial future, from eliminating debt to investing in long-term goals. With a little planning, this seasonal windfall can become a powerful tool for stability and growth. Read along with the original article(s) here: https://www.thebudgetmom.com/what-you-should-really-do-with-that-tax-refund/ Quotes to ponder: "A tax refund isn't free money, so you shouldn't treat it that way." "The best way to avoid wasting your refund on something you'll regret is to make a plan." "But a little savings is better than no savings." Episode references: Acorns Investing App: https://www.acorns.com/ CIT Bank Savings Builder Account: https://www.cit.com/cit-bank/bank/savings/savings-builder-account/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3510: Kumiko explains that a tax refund isn't a bonus but your own hard-earned money, making it crucial to use it intentionally. She outlines practical ways to strengthen your financial future, from eliminating debt to investing in long-term goals. With a little planning, this seasonal windfall can become a powerful tool for stability and growth. Read along with the original article(s) here: https://www.thebudgetmom.com/what-you-should-really-do-with-that-tax-refund/ Quotes to ponder: "A tax refund isn't free money, so you shouldn't treat it that way." "The best way to avoid wasting your refund on something you'll regret is to make a plan." "But a little savings is better than no savings." Episode references: Acorns Investing App: https://www.acorns.com/ CIT Bank Savings Builder Account: https://www.cit.com/cit-bank/bank/savings/savings-builder-account/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3472: Kumiko breaks down how to determine whether refinancing your mortgage truly makes financial sense, especially in a low interest rate environment. She walks through the real costs, credit considerations, and break-even calculations you need to evaluate before making a move. If you're wondering whether lower rates could actually save you money, or cost you more in the long run, this practical guide will help you run the numbers with confidence. Read along with the original article(s) here: https://www.thebudgetmom.com/is-it-a-good-time-to-refinance-your-mortgage/ Quotes to ponder: "Before you pick up the phone to call the mortgage lender of your choice, there are several questions you need to ask yourself first." "Only you can figure out whether it's a good time to refinance your mortgage. There's no universal answer, and everyone's situation is different." "Before you start loan shopping, take an honest look at your credit." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3472: Kumiko breaks down how to determine whether refinancing your mortgage truly makes financial sense, especially in a low interest rate environment. She walks through the real costs, credit considerations, and break-even calculations you need to evaluate before making a move. If you're wondering whether lower rates could actually save you money, or cost you more in the long run, this practical guide will help you run the numbers with confidence. Read along with the original article(s) here: https://www.thebudgetmom.com/is-it-a-good-time-to-refinance-your-mortgage/ Quotes to ponder: "Before you pick up the phone to call the mortgage lender of your choice, there are several questions you need to ask yourself first." "Only you can figure out whether it's a good time to refinance your mortgage. There's no universal answer, and everyone's situation is different." "Before you start loan shopping, take an honest look at your credit." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3472: Kumiko breaks down how to determine whether refinancing your mortgage truly makes financial sense, especially in a low interest rate environment. She walks through the real costs, credit considerations, and break-even calculations you need to evaluate before making a move. If you're wondering whether lower rates could actually save you money, or cost you more in the long run, this practical guide will help you run the numbers with confidence. Read along with the original article(s) here: https://www.thebudgetmom.com/is-it-a-good-time-to-refinance-your-mortgage/ Quotes to ponder: "Before you pick up the phone to call the mortgage lender of your choice, there are several questions you need to ask yourself first." "Only you can figure out whether it's a good time to refinance your mortgage. There's no universal answer, and everyone's situation is different." "Before you start loan shopping, take an honest look at your credit." Learn more about your ad choices. Visit megaphone.fm/adchoices

This week @adafruit released the LED shoji lamp using the Circuit Playground Express. Looking at some prototyping and work in progress. This week's time lapse features a twisty fidge dragon egg. LED Shoji Lamp Guide: https://learn.adafruit.com/led-shoji-lamp/ LED Shoji Lamp YouTube https://youtu.be/SGZSfHgnZsA Circuit Playground Express: https://www.adafruit.com/product/3333 IR Mini Remote: https://www.adafruit.com/product/389 Timelapse Tuesday Twisty Fidget Dragon Egg By ASTAR https://makerworld.com/en/models/2334779-twisty-fidget-dragon-egg#profileId-2551566 https://youtu.be/YLZT1tUAOxk Community Makes https://www.printables.com/make/3253191 https://www.printables.com/make/3249930 https://www.printables.com/make/3240626 https://adafruit-playground.com/u/tbjers/pages/planck-v7-mount-for-apple-iie-fruit-jam-enclosure

This week @adafruit released the LED shoji lamp using the Circuit Playground Express. Looking at some prototyping and work in progress. This week's time lapse features a twisty fidge dragon egg. LED Shoji Lamp Guide: https://learn.adafruit.com/led-shoji-lamp/ LED Shoji Lamp YouTube https://youtu.be/SGZSfHgnZsA Circuit Playground Express: https://www.adafruit.com/product/3333 IR Mini Remote: https://www.adafruit.com/product/389 Timelapse Tuesday Twisty Fidget Dragon Egg By ASTAR https://makerworld.com/en/models/2334779-twisty-fidget-dragon-egg#profileId-2551566 https://youtu.be/YLZT1tUAOxk Community Makes https://www.printables.com/make/3253191 https://www.printables.com/make/3249930 https://www.printables.com/make/3240626 https://adafruit-playground.com/u/tbjers/pages/planck-v7-mount-for-apple-iie-fruit-jam-enclosure

Brrr, it's cold out there! ❄️ On this episode, Dori and Kpolly lean into the freezing Wisconsin temperatures by discussing their favorite harsh winter movies. Forget the cozy blankets; for the full experience, the hosts suggest cracking a window while you watch these "could be worse" cinematic picks.The duo dives into bone-chilling thrillers like A Simple Plan and the iconic horror of The Shining. You'll hear fun facts about Jack Nicholson's pre-filming cheese sandwich diet, the 60 doors destroyed for the "Here's Johnny" scene, and the 900 tons of salt used for snow. They also explore the snowy landscapes of Fargo, the alien terror of The Thing, and the unusual quest in Kumiko, the Treasure Hunter.If the frostbite is getting to be too much, Dori offers a brief reprieve with the quaint charm of The Holiday, while Christopher brings the laughs with the horror-comedy Werewolves Within. From the ice planet Hoth in The Empire Strikes Back — featuring the Norwegian mountain ski team as extras — to Liam Neeson battling wolves in The Gray, this episode covers it all.Grab some matzo ball soup, huddle close to your speakers, and join the misery as we celebrate the best of winter cinema!#####Cinebuds is sponsored by Joe Wilde Garage Door Company.

durée : 02:00:22 - Le 5/7 - A 5h45 : A 6h20 : Kumiko Kotera, astrophysicienne au CNRS et première femme directrice de l'Institut d'astrophysique de Paris. Autrice de “L'Univers violent” (Albin Michel, 2025). Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:07:31 - L'invité de 6h20 - par : Mathilde MUNOS - Kumiko Kotera, première femme à diriger l'Institut d'astrophysique de Paris, dénonce, sur France Inter, mercredi, les stéréotypes qui barrent la route des femmes qui voudraient faire carrière dans la science, souvent dès le plus jeune âge. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3437: Kumiko shares practical, experience-driven strategies for regaining control when credit card debt spirals out of control. From acknowledging the issue and building a debt payoff plan to considering consolidation options, she offers both emotional support and tactical advice to help you become debt-free and financially empowered. Read along with the original article(s) here: https://www.thebudgetmom.com/dealing-with-credit-card-debt-when-youre-in-over-your-head/ Quotes to ponder: "You can't successfully pay off debt and stay debt free without a budget. A budget is the foundation on which any successful debt elimination plan is built." "Be sure to shop around for the best deal before you commit to a lender." "The last thing you want to do is pay off your existing credit card balances then rack up more debt. That's a recipe for financial trouble in the future." Episode references: Credible: https://www.credible.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3437: Kumiko shares practical, experience-driven strategies for regaining control when credit card debt spirals out of control. From acknowledging the issue and building a debt payoff plan to considering consolidation options, she offers both emotional support and tactical advice to help you become debt-free and financially empowered. Read along with the original article(s) here: https://www.thebudgetmom.com/dealing-with-credit-card-debt-when-youre-in-over-your-head/ Quotes to ponder: "You can't successfully pay off debt and stay debt free without a budget. A budget is the foundation on which any successful debt elimination plan is built." "Be sure to shop around for the best deal before you commit to a lender." "The last thing you want to do is pay off your existing credit card balances then rack up more debt. That's a recipe for financial trouble in the future." Episode references: Credible: https://www.credible.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3437: Kumiko shares practical, experience-driven strategies for regaining control when credit card debt spirals out of control. From acknowledging the issue and building a debt payoff plan to considering consolidation options, she offers both emotional support and tactical advice to help you become debt-free and financially empowered. Read along with the original article(s) here: https://www.thebudgetmom.com/dealing-with-credit-card-debt-when-youre-in-over-your-head/ Quotes to ponder: "You can't successfully pay off debt and stay debt free without a budget. A budget is the foundation on which any successful debt elimination plan is built." "Be sure to shop around for the best deal before you commit to a lender." "The last thing you want to do is pay off your existing credit card balances then rack up more debt. That's a recipe for financial trouble in the future." Episode references: Credible: https://www.credible.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Natsumi , A Kumiko, and Megweg summarize Mexico trip including the tmi in Cancun

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3397: Kumiko of The Budget Mom shares practical and empowering advice for handling debt in collections, emphasizing research, knowing your legal rights, and negotiating smart settlements. Her tips help demystify the debt payoff process while offering strategies that could protect your credit and bring peace of mind. Read along with the original article(s) here: https://www.thebudgetmom.com/3-tips-for-paying-off-debts-in-collections/ Quotes to ponder: "Not paying a collection account because you can't afford it right now doesn't mean you plan to ignore the debt forever." "A lump-sum settlement could cost less. Collection agencies buy debts for pennies on the dollar." "Taking care of old debts can give you peace of mind." Episode references: Annual Credit Report: https://www.annualcreditreport.com Consumer Financial Protection Bureau (CFPB) - Debt Collection Scams: https://www.consumerfinance.gov/consumer-tools/debt-collection Fair Debt Collection Practices Act (FDCPA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act Fair Credit Reporting Act (FCRA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act Credit Karma: https://www.creditkarma.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3397: Kumiko of The Budget Mom shares practical and empowering advice for handling debt in collections, emphasizing research, knowing your legal rights, and negotiating smart settlements. Her tips help demystify the debt payoff process while offering strategies that could protect your credit and bring peace of mind. Read along with the original article(s) here: https://www.thebudgetmom.com/3-tips-for-paying-off-debts-in-collections/ Quotes to ponder: "Not paying a collection account because you can't afford it right now doesn't mean you plan to ignore the debt forever." "A lump-sum settlement could cost less. Collection agencies buy debts for pennies on the dollar." "Taking care of old debts can give you peace of mind." Episode references: Annual Credit Report: https://www.annualcreditreport.com Consumer Financial Protection Bureau (CFPB) - Debt Collection Scams: https://www.consumerfinance.gov/consumer-tools/debt-collection Fair Debt Collection Practices Act (FDCPA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act Fair Credit Reporting Act (FCRA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act Credit Karma: https://www.creditkarma.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3397: Kumiko of The Budget Mom shares practical and empowering advice for handling debt in collections, emphasizing research, knowing your legal rights, and negotiating smart settlements. Her tips help demystify the debt payoff process while offering strategies that could protect your credit and bring peace of mind. Read along with the original article(s) here: https://www.thebudgetmom.com/3-tips-for-paying-off-debts-in-collections/ Quotes to ponder: "Not paying a collection account because you can't afford it right now doesn't mean you plan to ignore the debt forever." "A lump-sum settlement could cost less. Collection agencies buy debts for pennies on the dollar." "Taking care of old debts can give you peace of mind." Episode references: Annual Credit Report: https://www.annualcreditreport.com Consumer Financial Protection Bureau (CFPB) - Debt Collection Scams: https://www.consumerfinance.gov/consumer-tools/debt-collection Fair Debt Collection Practices Act (FDCPA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-debt-collection-practices-act Fair Credit Reporting Act (FCRA) – FTC: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act Credit Karma: https://www.creditkarma.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1897: Kumiko shares four practical, beginner-friendly side hustles that can help you earn up to $50 per day, potentially adding an extra $18,000 to your yearly income. From seasonal outdoor work and running errands to mystery shopping and flipping items online, these ideas prove that turning spare time into steady cash is more accessible than ever. Read along with the original article(s) here: https://www.thebudgetmom.com/how-to-make-money-on-the-side/ Quotes to ponder: "Your full-time gig is what supports you, and your side-hustle gives you some extra money to put towards things that are important to you." "Many people find that side-hustles can be pretty lucrative if one can find an idea that really takes off." "Think about ways that you think people would pay, and then give it a try." Episode references: TaskRabbit: https://www.taskrabbit.com Amazon Flex: https://flex.amazon.com DoorDash: https://www.doordash.com/dasher/signup Instacart: https://shoppers.instacart.com BestMark: https://www.bestmark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1897: Kumiko shares four practical, beginner-friendly side hustles that can help you earn up to $50 per day, potentially adding an extra $18,000 to your yearly income. From seasonal outdoor work and running errands to mystery shopping and flipping items online, these ideas prove that turning spare time into steady cash is more accessible than ever. Read along with the original article(s) here: https://www.thebudgetmom.com/how-to-make-money-on-the-side/ Quotes to ponder: "Your full-time gig is what supports you, and your side-hustle gives you some extra money to put towards things that are important to you." "Many people find that side-hustles can be pretty lucrative if one can find an idea that really takes off." "Think about ways that you think people would pay, and then give it a try." Episode references: TaskRabbit: https://www.taskrabbit.com Amazon Flex: https://flex.amazon.com DoorDash: https://www.doordash.com/dasher/signup Instacart: https://shoppers.instacart.com BestMark: https://www.bestmark.com

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3336: Kumiko from The Budget Mom shares six simple, sustainable swaps that save money and reduce waste, from ditching disposable coffee filters to upgrading everyday items like paper towels and plastic bags. Her practical approach proves that small, intentional changes can add up to big savings without sacrificing convenience or comfort. Read along with the original article(s) here: https://www.thebudgetmom.com/6-reusable-products-that-save-me-money/ Quotes to ponder: "Some stores will charge you for grocery bags, so bringing your own could help you avoid this cost." "Less drying time equals more money saved on my utility bill." "I no longer buy plastic water bottles. Instead, I went online and bought a Brita Pitcher for less than $28." Episode references: Brita Pitcher: https://www.brita.com/water-pitchers/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3336: Kumiko from The Budget Mom shares six simple, sustainable swaps that save money and reduce waste, from ditching disposable coffee filters to upgrading everyday items like paper towels and plastic bags. Her practical approach proves that small, intentional changes can add up to big savings without sacrificing convenience or comfort. Read along with the original article(s) here: https://www.thebudgetmom.com/6-reusable-products-that-save-me-money/ Quotes to ponder: "Some stores will charge you for grocery bags, so bringing your own could help you avoid this cost." "Less drying time equals more money saved on my utility bill." "I no longer buy plastic water bottles. Instead, I went online and bought a Brita Pitcher for less than $28." Episode references: Brita Pitcher: https://www.brita.com/water-pitchers/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3336: Kumiko from The Budget Mom shares six simple, sustainable swaps that save money and reduce waste, from ditching disposable coffee filters to upgrading everyday items like paper towels and plastic bags. Her practical approach proves that small, intentional changes can add up to big savings without sacrificing convenience or comfort. Read along with the original article(s) here: https://www.thebudgetmom.com/6-reusable-products-that-save-me-money/ Quotes to ponder: "Some stores will charge you for grocery bags, so bringing your own could help you avoid this cost." "Less drying time equals more money saved on my utility bill." "I no longer buy plastic water bottles. Instead, I went online and bought a Brita Pitcher for less than $28." Episode references: Brita Pitcher: https://www.brita.com/water-pitchers/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 494 / Alexa Kumiko HatanakaAlexa Kumiko Hatanaka is a Japanese-Canadian, artist based out of Toronto. She studied printmaking at OCAD University in Toronto. In 2023, she completed a residency at a washi paper mill in Japan's Kōchi Prefecture, where she studied papermaking traditions that date to the 7th century. She works primarily with paper, and uses printmaking, ink drawing and natural dying combined with sewing. She engages with historical paper processes and materials that both require and contribute to a clean environment.  Her adaptations of traditions, in the form of sculpture, large-scale print installations and wearable sculptures, address contemporary questions of climate change, mental health, and survival. Alexa's practice includes a decade of community-engaged projects based in the high Arctic, and collaborative performances that integrate and reinterpret kamiko, garments sewn out of washi.Alexa's work has been exhibited at Kotaro Nukaga (Tokyo, JP), Harper's Gallery (New York, USA), Art Gallery of Ontario (Toronto, CA), Toronto Biennial of Art (Toronto, CA), Ino-chō Paper Museum (Kōchi, Japan), and NADA (Miami, New York City). Recent acquisitions include the The British Museum (London, UK), Dallas Art Museum (Dallas, USA), Material Art and Design Museum (New York City, USA), Shiga Prefecture Museum (Otsu, JP), National Gallery of Canada (Ottawa, CA) and Wellin Museum (Clinton, USA). Alexa was a 2025 artist in residence at Black Rock Senegal.

What if the speed of your debt payoff has nothing to do with math, and everything to do with you? Kumiko wants to know the formula for paying off her debt. If you love a little sass with your spreadsheets, this conversation will have you rethinking the “rules” of financial freedom. Join our online community: www.getthehelloutofdebt.com  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Today's episode is brought to you by Air Doctor Pro - Get $300 off using the promo code: ERIN when you visit https://airdoctorpro.com/   Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3086: Kumiko outlines three practical steps to instantly improve your mindset around money, offering encouragement for anyone feeling overwhelmed or ashamed of their financial situation. Her approach combines emotional honesty with actionable tools, empowering listeners to regain control and build confidence, one decision at a time. Read along with the original article(s) here: https://www.thebudgetmom.com/3-things-to-do-today-to-feel-better-about-your-finances/ Quotes to ponder: "Shame is one of the biggest obstacles when it comes to money." "You can't change your past, but you can own it and use it as a stepping stone to a better future." "When you track your spending, you're learning how your past money decisions are impacting your life today." Episode references: National Foundation for Credit Counseling: https://www.nfcc.org Financial Counseling Association of America: https://fcaa.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3086: Kumiko outlines three practical steps to instantly improve your mindset around money, offering encouragement for anyone feeling overwhelmed or ashamed of their financial situation. Her approach combines emotional honesty with actionable tools, empowering listeners to regain control and build confidence, one decision at a time. Read along with the original article(s) here: https://www.thebudgetmom.com/3-things-to-do-today-to-feel-better-about-your-finances/ Quotes to ponder: "Shame is one of the biggest obstacles when it comes to money." "You can't change your past, but you can own it and use it as a stepping stone to a better future." "When you track your spending, you're learning how your past money decisions are impacting your life today." Episode references: National Foundation for Credit Counseling: https://www.nfcc.org Financial Counseling Association of America: https://fcaa.org Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3238: Kumiko shares practical strategies to build equity in your home, whether you're paying off a mortgage or investing in value-boosting renovations. She emphasizes the importance of financial planning, using tools like sinking funds, and making smart decisions about when to borrow or save, offering a balanced approach to long-term wealth and stability. Read along with the original article(s) here: https://www.thebudgetmom.com/how-to-build-equity-in-your-home/ Quotes to ponder: "Home equity is the difference between the market value of your home and the amount you owe on your mortgage." "Landscaping, gardening, painting, or a new outdoor living space are all potentially inexpensive ways to add value to your home." "A sinking fund is a way to set aside some money each month to pay for large expenses." Episode references: Credit Karma: https://www.creditkarma.com Zillow: https://www.zillow.com Redfin: https://www.redfin.com Risk Parity Radio: https://www.riskparityradio.com Remodeling Magazine Cost vs. Value Report: https://www.remodeling.hw.net/cost-vs-value/2024/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3206: Many credit cards promise rewards and flexibility, but as Kumiko warns, certain types can trap you in debt and threaten your financial security. From deferred interest schemes to credit cards secured by your home or bank account, these offers often prey on vulnerable consumers. Learn how to spot these dangers and protect your financial future. Read along with the original article(s) here: https://www.thebudgetmom.com/types-of-credit-cards-you-need-to-avoid/ Quotes to ponder: "If you think there is even a slight chance you can't pay off the entire balance by the end of the promotional period, you need to avoid a deferred interest credit card." "Home secured credit cards are always a bad idea. The potential consequence of not making payments is the loss of your family's shelter, which is a necessity." Episode references: Debt.org on predatory lending: https://www.debt.org/credit/predatory-lending/ Consumer Financial Protection Bureau: https://www.consumerfinance.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3174: Kumiko from TheBudgetMom.com highlights how a meaningful budget begins long before the numbers hit the page. By asking yourself five essential questions about your goals, expenses, household support, review frequency, and how to handle setbacks, you can create a budget that truly serves your life, not just your spreadsheet. Her approach ensures your budget becomes a flexible, motivating tool for long-term financial success. Read along with the original article(s) here: https://www.thebudgetmom.com/5-critical-questions-you-need-to-ask-yourself-before-creating-a-budget/ Quotes to ponder: "Creating a budget simply to create one gives you the appearance that you have your financial life in order, but the hard truth is, if your budget doesn't make sense to you, you will never use it." "Think long and hard about what your end goal is with your budget. Keep in mind that your budget should be something obtainable and realistic for you." "The key to making your budget work is to communicate with the other members of your household." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2990: Kumiko from The Budget Mom reveals how waiting for the “right time” to pursue what we truly want can quietly drain our happiness and control. By confronting procrastination and embracing the present, she challenges us to find fulfillment not in a distant future, but in the moment we have right now. Read along with the original article(s) here: https://www.thebudgetmom.com/the-true-cost-of-waiting-for-what-you-really-want/ Quotes to ponder: "The present moment is the only moment available to us, and it is the door to all moments." "While you are waiting for satisfaction to find you, you ultimately end up putting your happiness off into an unknown future." "Only you can write it. You have to grasp the true presence, even if it's not what you want." Episode references: Thich Nhat Hanh quote source: https://plumvillage.org/about/thich-nhat-hanh The Power of Now by Eckhart Tolle: https://www.amazon.com/Power-Now-Guide-Spiritual-Enlightenment/dp/1577314808 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3148: Kumiko Love shares a strategic guide to making the most of an extra paycheck - a financial opportunity that comes just a few times a year for bi-weekly earners. By prioritizing intentionality over impulse, she outlines how to align this bonus income with your money goals, whether it's crushing debt, boosting savings, or planning guilt-free fun. Read along with the original article(s) here: https://www.thebudgetmom.com/what-to-do-with-that-third-paycheck/ Quotes to ponder: "That third paycheck is not free money. It's your money - and your plan for it matters." "You don't have to spend every dime to enjoy your life." "Decide what's most important to you and make a plan before the money hits your account." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3116: Kumiko Love breaks down index funds in a simple, approachable way, showing how they can be a powerful, low-cost investment tool for long-term financial growth. With relatable explanations and clear comparisons, she empowers beginners to take confident steps toward building wealth through consistent investing. Read along with the original article(s) here: https://www.thebudgetmom.com/what-you-should-know-about-index-funds/ Quotes to ponder: "Index funds are one of the easiest, low-cost ways to invest in the stock market." "Rather than trying to beat the market, index funds aim to mirror it." "Because index funds don't require a fund manager to actively pick stocks, they usually have lower fees." Episode references: Fidelity - Index Funds: https://www.fidelity.com/mutual-funds/index-funds/overview Investopedia - Index Fund Definition: https://www.investopedia.com/terms/i/indexfund.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3064: Budgeting doesn't have to feel restrictive or complicated. Kumiko of The Budget Mom breaks down four common myths that hold people back from taking control of their finances, debunking the idea that budgeting is boring, too much math, or unnecessary. With a simple mindset shift, a budget can become a tool for financial freedom, allowing you to plan for both your needs and wants while creating a future that aligns with your goals. Read along with the original article(s) here: https://www.thebudgetmom.com/budgeting-lies-vs-truths/ Quotes to ponder: "If budgeting isn't fun, you are completely doing it wrong." "You have to look at budgeting as something that allows you to spend the money you do have on the things that matter most and are the most important to you." "Your budget is a plan, a guide on how you should spend your future dollars." Episode references: Equity Trust: https://www.InvestorUnleashed.com/optimal Learn more about your ad choices. Visit megaphone.fm/adchoices