 Hey everyone and welcome to Norris Cove. Here at the Cove we do budgeting, plan with Thamiz, minimal planning, all that great stuff. If there's something that you'll be interested in, do me a favor, hit that subscribe button. Also hit that notification bell so that you don't miss any of my videos. Okay you guys so today we're going to be doing our April budget and also I'm thinking I'm going to go ahead and just do my march kind of breakdown or closeout as well. Let's flip in and see what we got. So first let's start with our kind of closeout, march closeout. We ended up we said we were going to make $2,500 in hair. We ended up making $3,812. Nails we said we would do $100. We ended up making $60. Shopify we said we would do $50. We ended up making that shipping. So here's the thing, gross sales were $310.85. Net sales, let me pull this up so you can see. Excuse my broken nail, but net sales ended up being $272.35. So let me move this. These are my little notes and reminders. $272.35 for Shopify. And I think we did two releases this month. I'm trying to stick with two releases and then miscellaneous I put $2,000 which would have been our, well my tax income it was more than that. I just didn't add that in there the correct amount, but we still didn't do too bad. Let's see how much I know that with taxes I had an income of over $7,000 so I'm not even gonna calculate that. Cardnote got paid, car insurance got paid, T-Mobile they did get almost $500 out of me because they got $284 times two out of me. And my bill is down to zero finally so now my next bill is like $216 so I know how much my bill is going to be so I'm going to be kind of like putting that money aside and try to pay it on time to avoid late fees. And I will dip into my savings to do so. I've just decided my savings is gonna kind of help me when things are a little you know shaky. Also we paid that in full that's the PIF here. Amazon got their money's clothed in paper and Shopify I said 70-74 that was my bill we paid that. Walmart I did I gave Walmart a hundred I ended up only $96 I really could have paid Walmart off I didn't but I just paid a bill so now we owe like $51 to Walmart and then we're done with Walmart okay credit won they got a hundred. Canva they got their money Apple got their money Capital One I ended up giving them like 175 and then Citibank got a hundred Barclays got 200 Wayfair got a hundred and Sting got their money and Booth went I ended up paying like a thousand and every credit card either got paid off which is more which is also got paid off so also got more than 50 or it was just paid in full or they got a hundred or more. Over here to the emergency my goal was to do a thousand I did 700 I've taken out 200 from the emergency fund to get my P.O. box back because it expired because I just didn't have it so I just took 200 out of there instead of putting it on a credit card which I normally do but I didn't want to run any of my credit cards back up also my credit score went up like 45 points in like 10 on one and 45 on the other. Savings is I was going to put five but that's part emergency fund let's see what else we got going over here I didn't invest which I plan to do a week ahead I'm really a month ahead retirement I didn't do that I should have referred to this list a firm I owed like 136 dollars so I paid that in full and Bentley, Bentley did get about a hundred he got probably more than 150 for me because he got groomed and he got his shots so March we we knocked a lot of things out I'm so excited about that because now I am pretty much technically a month ahead on a lot of my bills so let's hop over into April so we're going to do April I'm gonna put that my April calendar here for my A6 and I also have already this is my A6 I do bills in here doctors appointments birthdays all that great stuff and I do it as well this is April in my half letter I kind of do the same thing here but I do more of my goal setting here so I already feel this out off camera so that's something that I don't have to like bore you guys with and I don't normally decorate but I just felt like decorating it's my birthday month so also it's my sister's birthday month so we're in hot pink and over here are our goals bills and my first of the month what which I really wanted to get down is down I don't have a lot of first of the month bills so I'm so proud of myself for being responsible being adult paying those bills off so I'm going to put this here so I can keep track of what we got going so we're in uh April all right so if you are new here hello I'm Yashida and I'm a self-employed hairstylist nail technician and I run a Shopify shop with printables and planner stickers and all that great stuff and that's it and that's my income so hair is the first thing I put down because that is my main source of income so what I've done because every week I put down 750 or 700 as my income I and then some weeks about one or two weeks it may be more so very seldom is it less so unless I'm out sick or something so we've been running about 750 um so I'm going to stick with the 750 and that gave me three thousand dollars I think I gotta rate it three thousand so we're gonna put three thousand down and then after looking at last month where we came in at 3812 I think three thousand is a great um lower number so next up we have nails um y'all I'm selecting the nails but I keep getting compliments I miss them right now but keep getting compliments I just have to say yes to the people okay but I'm just going to put 60 I'll end up with probably two clients this month and then Norris Cove I just put NC for Norris Cove I kind of have some things I'm working on I just don't know if they'll be ready for the month of April also I'm doing some free giveaways in my group for the month of April for my birthday I'm doing some free downloads things like that so hop on over and join and who knows sometimes I may do some free downloads on my website so that may generate some income so I'm just going to give Shopify 200 again I'm going to up them this month and so we have 3260 and it's our total now let's get into bills on the first I don't necessarily have to start on the first but we have cmp that's 38 dollars we have amazon and across the line now amazon is going up so I'm going to put 1477 then we have community bank let's do on the second and community I gave them 50 I already paid them Walmart is on the fourth and I paid them and I gave them 50 okay so Shopify 5931 last I looked and I'm so excited because y'all know when Shopify comes out I'm not prepared I'm like wow they're always coming out this will come out on the eighth so now I noticed they're on the third and fourth the money is already in that particular account for them to take it out so definitely excited about that canva canva comes out on the seventh normally I've listed this in the order of importance to me but being that I'm looking at my calendar I just decided to do it this way instead of trying to go off of my memory which is a little shaky card note number one is due on the 11th and that's 181 63 I think and then I'm gonna since I'm here I'm gonna put card number 263 okay and capital one is due on the 15th and I really don't owe anything on capital one because I've paid already paid for the 15th but I kind of want to stay a month ahead I'm gonna put 50 but I may do less more you know whatever 17th City Bank City Bank and Barclays are my biggest credit cards the ones and they don't have the highest interest I believe but I get those around the time my credit was like decent so I definitely want to give them like a hundred Barclays Barclays I really need to give them like 250 I don't know how I'm gonna do it but I'm gonna put 200 for them as well because I definitely want to knock this out Barclays is due on the 18th that's just a guesstimate again they may not they may or may not get it um get credit number two on the 21st we have T-Mobile and I've looked it was 216 like 83 let me put that here um PayPal is due on the 25th and PayPal may be paid up but I'm gonna give them I looked at them some give them 50 and you guys I have a new bill which I'm kind of excited about I know y'all like why are you excited about the bill but um since I've paid off some of my credit cards I tell my husband I you know I want to help so he's giving me the Netflix bill I'm excited I need to put that down like y'all I know some people like but you don't have to pay bills you know but I want to pay I just never live like that so and I'm gonna put 20 because I know Netflix has gone up it's up minor but it just makes my day card insurance and also you guys um I'll have a cash stuff in coming up I saved my tips this week I'm trying not to spend them but I need change so I don't know when it's coming but it's coming okay we have GoDaddy let's see card insurance would be 206 get some change but we don't need to add that and then we have GoDaddy a last bill of the month and that is $7.41 all right I'm gonna snap these back in my A6 and then we're going to get the calculating we have $1,439.35 super this is y'all know how much this has gone down like I'm so excited I don't even know what to do with myself so let's put this total I'm going to use a lighter green I think you know which one of these things that I use let's try this my bills have gone down tremendously 14.39.35 awesome awesome awesome awesome I remember months of paying 2000 and not and barely making 2000 so this is cool and that's with me giving Barclays 200 then that's extra my bill is only 71 but giving them 200 um no city bank is only 71 that's giving city bank 100 Barclays 200 which I think they're around no no I'm sorry Barclays city bank is $35 I'm gonna give them an extra $70 and Barclays is $71 so there we get an extra $130 so cool and my Netflix my new bill so we should have let's see I don't know which one it is and I want to start contributing to the savings let's subtract 30 to that leaves 18.20.65 so 18.20.65 is our remaining so what it makes y'all this is going to be long but this is what I want to do I want to develop where I put the same amount in every month towards my sink and funds but it's hard for me because I am self employed I just need to pick a week when it's a good week to do that so that's something that I'm going to work on you know also I was thinking yesterday I was like you know it has taken me pretty much years I'm thinking in the past three years since I've been budgeting really honing in on my but I've always budgeted but since I've really taken it more serious besides just my notebook or whatever um it's taking me a very long time to kind of finally get the hang of things and my message to you guys is don't give up each month it's not going to be perfect um it's going to take a while you just don't get it overnight you're not going to just have the perfect budget you're not going to be debt-free overnight it didn't take you you didn't get into that overnight you know you didn't develop a system overnight and that's something I'm developing as a budgeting system I've been let me show you I know it's a little off topic well it ain't off topic but it's a little off but I'm here in my finance section this is I keep I keep looking at my debt I'm looking at how much I spend this is my spending tracker I had a color code for but now I know it all automatically see here I made this 2022 and all of this is March this is what I did in March I spent a lot of money in March but this is all bills okay you'll see some bills throughout over here but you have to develop a system and a system is of me keeping track of my money now I'm not gonna lie to y'all last week I spent some money I didn't write it down so I'm trying to get back on track of writing my money down um let me show you something um and I've talked about this in a video but read his food this is planner stuff this is all this purple here's planner stuff you need um but with an overview I realized here's a lot of my money went to planner stuff here's miscellaneous um read his food a lot of money went to food food so when I see that read I know okay your sheep it's time to start cooking or whatever so I just say all that to say that you're not gonna get budgeting right off the hand especially if you were never taught some people were raised to spend their money correctly some people are raised to budget and finance I was not so it's something when you're teaching yourself and you're gonna learn from others in your adulthood it's not going to happen overnight so don't beat yourself up about it just keep popping right back on keep doing your best and I promise you you'll feel better when you start to get some rest because you'll be able to pay you'll start to feel better um when you start seeing that progress so like I tell y'all I really wanted to pay for that um PO box with my credit card but I was like I worked too hard to pay that down yeah I can go back and put money in a bit I just felt like I was still been paying a bill so it was just better for me just taking out of my savings and not going to and pay interest on a dang on PO box plus I was late so I had some fees there so yeah so I pretty much back to reality come on just you to bring it together um I have 1820 left okay so I'm not going to fill this out yet but what I will do because I don't know you know what I'm saying I don't know I don't know I don't know because it just could not happen and as I told y'all before I'm not a zero-based budget as much as I'd like to be um I'm just not so I'm going to leave this but I definitely want to give 100 to savings savings yet to get 100 and then if I put 100 that would leave me with a $600 balance there um I don't even know the account number to there um there are some new categories that I might do in my sinking fund so I should have those listed when we do the budget closeout I should have all that listed again like I said I want to have a certain amount put towards um my sinking funds and the amount that I can do and that way that'll keep me on track so this is it so you guys have you done your monthly budget um how's your month coming along so far I know it's just April but let's get on the good foot let's try to stay ahead for 2022 so that we can go into 2023 if not debt-free almost debt-free um I want to pay somebody extra it'll come to me it may be Barclays but we'll see so this is it you guys this is my weekly excuse me my monthly budget my closeout from March thank you all so much for watching if you enjoyed today's video and you would love to see more videos like this from me please do me a favor leave me a message in the comment section below hit that subscribe button and don't forget to hit that notification bell and I'll see you in my next video