The information on Ms. Budget is based on my own personal experience paying off over $20,000 in debt while working a full-time 9-to-5 job and raising two kids — not on a finance degree or professional licensing. Everything here is for informational and educational purposes only.
1. No Professional Advice
I’m not a financial advisor, accountant, attorney, or licensed credit counselor, and nothing on this site should be treated as financial, legal, tax, or medical advice. What worked for my family’s budget might not work for yours — your income, expenses, debt, and goals are different from mine. Before making major financial decisions, please talk to a qualified professional, such as a certified financial planner (CFP), accredited credit counselor, or tax advisor, who can look at your full situation.
2. No Guarantees
I share what genuinely worked for me, but I can’t guarantee you’ll get the same results. Paying off debt, saving money, or earning extra income depends on factors unique to your situation. Your results may be different — faster, slower, or just different — and that’s okay.
3. Affiliate Disclaimer
Some links on this site are affiliate links. If you click through and make a purchase, I may earn a small commission at no extra cost to you. I only recommend products and tools I’ve personally used or genuinely believe could help. See my full Affiliate Disclosure for details.
4. External Links
I sometimes link to other websites, tools, or resources I find helpful. I don’t control those sites and I’m not responsible for their content, accuracy, or privacy practices.
5. Use at Your Own Risk
By using this site, you understand and agree that any financial decisions you make based on what you read here are your own responsibility.
6. Contact
Questions about this disclaimer? Reach out anytime: 📧 info@msbudget.com 🌐 https://msbudget.com