 everyone and welcome to Norris Cove or welcome back. I'm Yoshida and today we're gonna be doing our monthly budget. Y'all please forgive me, but I was supposed to print out, I was supposed to print out the weekly, the new insert this a weekly. I'm gonna try to have them in the shop this weekend like Friday, but this is the new monthly for 2023. Some people like to see color. So I thought I'd go with a neutral color, something that I think that I could work with as well because I'll be using them. Now don't get me wrong, I like these, but I figured it was time for a new update. I'm sort of working on, excuse me, sort of working on another bundle. So I think what I'm gonna do maybe this weekend is run a special on all budget inserts so that we can just, you know, get going with 2023. And I may put these in a bundle or something, but these will definitely be, if I do decide to do a bundle, these new ones will be in there. So I'm trying to look at old stuff just to make sure, I think this was our last lift. I need to put that there, let me, add that as well because I don't, there it is, it's there. Okay, so I'm gonna use this as my guide. I won't be doing the monthly layout because I think it's just kind of time consuming. So of course this is 2022. So I'll just show you basically how I planned this and how I plan for it to be used. Like this was just a little test one that I did. And like I see just something that needs to be fixed like the lines need to be brought forward. But other than that, I think it's gonna work. Okay, so we have our year. Let's highlight, let me use this gray one. I think it's on the topy side and we're gonna put October. I'm a little late and every month I put down that I'm gonna be doing my monthly setup on the 25th. Never happened. So I was gonna actually skip this, but I said, you know what, let me just go ahead and do it. I did that wrong already. The source is here and then I would put the amount what I'm expecting. Last month I did, let's review last month real quick. I'm kind of all over the place, but last month I estimated 3,500. I ended up doing 4,400. I'm guesstimated North Cove 100. I haven't checked that, but I believe we came in like at 134. I'm gonna do a little more promoting. And so our total was 4,534,00. So $4,534 total. Again, conscience got paid. I paid that like just the other day I paid this month. I don't know why I paid it late. I just don't know that my T-mobile is always just, wait, instant ink. Still, I've not seen where that's come out, but we're gonna add it to the budget. So here on this insert, you have two income columns, which basically gives you four in case you have four streams of income. If you need more, maybe this is not the answer for you. Here you have your savings, you have your sinking funds, the total that you're gonna do for the month, the cash envelopes that you're gonna do for the month. All that's here. You have your variable expenses here. You have your fixed expenses. I don't do variable and fixed. I kind of put all of mine together, but some people need a separate for variable and fixed. But what I will put over here are my sinking funds, I think. For this month for my savings, I wanna have at least a hundred. So I'll just go ahead and fill that out. Sinking funds, let me get my calculator because I'm trying to make it like where it's $75 a week. So 75 times four is $300. So I'm gonna see if I can fit that into the budget. And of course, if there's more, it will be cash envelopes. I haven't really been stuffed with my cash envelopes because those are those like variable expenses, I guess. But I'm not even gonna fill that in. I'm not gonna fill it in. So I'll just leave that there. And then we have Norris Cove. Let me put this 4,000. So I'm up in my income just a little bit. Since last month we did 4,400 and I guess to me the 3,500. I'm gonna just bring it in at four. Norris Cove, because things are picking up. I'm having some of my pre-COVID clients come back in. I'm so grateful. And so Norris Cove, we're gonna do 150. That means I have to really do some work. I'm not gonna put anything down for miscellaneous. Well, I guess I will miscellaneous and I'll just put nothing there. So our total is $4,150. So variable expenses, things like gas, all that pretty much is supposed to come out of my sink and funds. But here lately I've been paying that, I'm gonna put that there. Gas a month, I'd say 150 because I'm putting like $50 even with the little, I have a little just small truck of Hyundai, so truck. So I'm still spending about 50. So, and I fill up maybe every two weeks sometimes more if there's a lot going on. So I got gas, groceries. I'm gonna add those. And this is kind of like an example. And I think I've explained to you about the groceries, like me and my husband, he pays the majority of it. I catch it on the light weeks when maybe the mortgage is something that's due. And sometimes that's just an extra hundred. Gas, groceries, self-care, which I really, I do everything myself, my nails, all that, but I may need a pedicure. So I guess I'll give me one good one for my someone else before I do. And that's pretty much, I don't do shopping, just because I've been trying to save. Planning is into my sinking funds as far as my hobbies go, eating out, that's in the sinking funds, all of that. But I'm gonna still put eating out here because sometimes it's just not an envelope. And I'm gonna put a hundred dollars. Like I said, I like to just add the, pretty much the four walls and bills, and that's it for me. So here we have, let's see, we said 50, 152, 3, 4, that's $400 in just variable expenses. So feel free to use that. Okay, and let's go over to our fixed expenses and we're gonna just be going from here. On our fixed expenses, we have Amazon and I already paid that and that's $15.89 and that was actual, so I'm just gonna check it. You can write it if it's different, but I just check it. Community, I paid them and they actually gave them $30. So I'm gonna check that. Shopify, Shopify need to make up the amount where they started me out like on the eight. Then they moved it to the seven. Then they moved it to the third. Then this month, they tried to get it out on the first. I'm like, well, I wasn't prepared. They're $39 for the month and I haven't paid them. Credit one, I just scheduled that payment today. My pen wants to be a little shady. So let's add a piece of paper behind here. And credit one got $30, which I was surprised. It was cheap. We got Canva and Walmart. I don't see Walmart on my list here. Let me put Walmart and Walmart got 28. I had paid them off. They offered me some more money. Let me check these off. And I accept it and I kind of ran it back up. Canva, Canva is $13.77. Y'all, if my camera's shaking, I'm so sorry. I need to figure out a better tripod situation. Chase, Chase normally gets like 40, but for some reason, I'm thinking they are like $127. This month, I don't know what happened there. I think interest, I don't know about anybody else, but for me, things that wasn't getting interest, all of a sudden is getting interest. Like my PayPal, I didn't have anything that had to be paid off to, you know, like before interest kicked in, but everybody's hitting me with interest and it's just out of control. Anywho, capital one, so I think my whole tax check if I get one will be going to pay off credit. Capital one is 25, Citibank, I think I normally give them 40. And again, I still have the room to go over here and change it to whatever it is if it's different. Barclays, Barclays, oh God, I'm so over Barclays, I don't know what the heck to do. I'm gonna put 70 down for them, got them under the amount, they hit me with $50 worth of interest every month. So definitely, I'm just basically keeping them so I don't mess up my credit, I'm just keep paying them, which I think I'm just wasting my time, but when I get my taxes, I don't care if all I get is 2000, it's all going to Barclays because I am sick of them, like sick of them. So normally I break up my card note, but I'm just gonna do one card note and the total is 363, I think 20, but it's 181.60, yeah, it's 181.60, like every 10 days. Okay, car insurance, I do have the room for it. Car insurance is gonna be a little different this month because I added the car onto my car insurance, so I don't know, let me see. If I did the math right, it's like a 180 plus 211, 391, but it's still really my 211 because my daughter's gonna be giving me the money for that, so I'm just gonna still put 211, so I'm not gonna worry about that. T-Mobile, oh God, I need to call them, tell them to take off these late fees, and I really wanna get my highest credit card, which is Chase, I wanna get that down so that T-Mobile could be a recurring thing that comes out automatically, I would save money, and then just pay it, you know what I mean? Like I could just pay it better that way. So T-Mobile, I'm just gonna put 300, I'm sure to be more, go daddy, that is who my websites and email and stuff is from, but I'm just paying monthly for the email when I should have did it by the year, but it was kinda too late and whatever. Uplift, won't use them again, they're not a problem, but it's just, I wish I wouldn't have did it. PayPal should have been a little patient. PayPal, PayPal hit me with some interest, so now it's like I'm over my limit, so I'm gonna put them down for 60, and we'll not be using them again no time soon. Insta Inc, I'm just gonna put them down, but again, who knows, I don't know, maybe they took it out and the money was just there and I didn't miss it. So Booth Rent, so for the month of September, I had $14.50 down, so it's like an extra $450. My balance is down to 230, let me divide that by four. It's $57.50, so I'm gonna do, I should be able to pay the $7.50 stamp, so an extra $50.00, what does it say, hold on. So basically $1,230 is what my Booth Rent needs to be, so I'm almost done with that, and I'm still catching up from when I was out sick in the hospital. CMP, I should have put them up top, but they got theirs and they were 38, and Booth Rent, I feel like I'm forgetting something. Let me look through my monthly, just real quickly, just to make sure of last month, Citibank, Barclays, PayPal, Cartons, GoDaddy, everything is here, I did Community, yep, Shopify, Credit One, Uplift, something, I feel like it's something, it's Uplift, I got them, Capital One, Citibank, Amazon, okay. So yeah, that's every buy TV, I don't know why I feel like, oh, this is a buy TV. It'll come to me if it does, I'll write it here, and then once we do the review, yeah, so let's do a little math. I keep gravitating to this, let me use, let me switch out. I just like this one because I can see, but I like this one as well because it's white. I know, it's not that serious, Yoshida, but let me do this calculator. So let me do a little calculator. Without my variable expenses, we have $2,661.27. Let me write it out here, $2,277, okay. Now I'm gonna, and my variables are 400, so let's just click those. So that's $3,061.27. I didn't even calculate miscellaneous, I'm just gonna put, I'm gonna highlight this and put miscellaneous as well, like as an add-on, that should be about 200. So that's really 600, still not bad. Let me add that 200 more, this calculator's slipping out my hand. Okay, so that would be $3,261.27. And I've estimated 4,150, I'm gonna leave that in the notes. So now let's subtract this from the $4,150. That leaves me with 800, might have to rework this envelope, 661.27, that leaves us with $888.73. So like I said, in my cash envelopes, it's normally eating out, I have 100. So what I think I'm gonna do is just to make sure that the cash envelope gets that eating out, I stick to the email budget, I really eat out more than that, I'm just trying to make a budget, because as y'all saw in my last video, I said that I need to work my husband into my budget to be able to make a budget. So that's what I'm gonna do now, I'm gonna put that in the notes, to my budget to be able to give him more. And it looked like it would be there. So I just have to figure out where money is slipping out. I'm doing this motion, money is slipping out somewhere. So we need to figure out where that's at. But this is pretty much how I would use this sheet. You could use it whichever way would work best for you. You can always improvise things like just like here, like I noticed here, I have my income sources. On these, I had a total, you understand? So I don't have a total here. So what I did was make sure that the total was here. I don't really need a total box, but I do love them. So I probably would like to use these, I like these. I like these as well, I like the color to them. Cash envelopes, I didn't feel that out. But again, this is pretty much my cash envelopes, which would be my variable expenses. So $600 would probably be needed for the cash envelope. So I'm just gonna put 600. So you could do that. And then your sinking funds, my goal is to have at least $75 a week. Now with this extra here, I know that I could add a little bit more, at least try to make it $100 a week. So that would be roughly like $400. And then my savings, I wanna do a hundred. So we didn't take that off. So let's subtract a hundred. And that basically leaves us with 788.73. So still pretty good. Oh, wait a minute. Nope, y'all, still ain't right. I just realized I didn't take the 600 off. So, and the sinking funds, so we ain't got no money left. Let's do this math real quick. Let's start over. Let me start over completely. Okay, if I did this correctly, and I think that I did, I subtracted 700 for variable expenses, which was the cash envelopes, 300 for sinking funds, 100 for savings, and the savings, I kind of just save, not in envelopes here lately. And then the $2,661 for all my fixed expenses. So I really kind of get myself up. But I will say this, that I'm glad that I have this variable expense chart now, and including cash envelopes, because as you guys can see, I was not adding my sinking funds on this sheet. Even though they're here, I wasn't adding them. It really wasn't room for them. So I mean, it was room for them, but I just really didn't know. But now this helps me to set an amount for my sinking funds. It helps me to set an amount for my savings. It helps me to set amount for my cash envelopes. So I will be using this again. I need to play with a little bit more. So probably next month, I'll probably use it differently and play with a little bit more just to see. I may even go back in and put like totals up under here because I may need a total. I may need some totals. So I think that's what I'm gonna do with this envelope. I may go back in and I sent one out for a review to my friend Anika. So I will just resend it to her, but I think I need to add totals. Maybe bring this down some, but I need some totals. I definitely need some totals. And I'm thinking, could I put something else here? Yeah, so y'all let me know if you think about this insert. We're gonna work with it. We're gonna figure it out. Again, it's definitely needed, especially if you're like me and you have to have a budget. I need a budget. So we're gonna put this back in. And yeah, so that was interesting. And I've held, this is what I like about my half a letter. I can hold all my inserts for the whole year in here. And I think what I'm gonna do is make me another half letter or either I might take one of my old happy planners and stick these in here because when tax time come, all I have to do is just go in month to month. I think I might have missed the month of August maybe in here, but I can still guesstimate because I know I didn't make a lot of money in August and I can get my total. So yeah, let me know what you all thought about this insert. If you have a different way that you would use it, let me know. Again, as usual, thank you all so much for watching. Thank you for tuning in and I appreciate your support. You guys, we need some more money, okay? I need some more money. So make sure that you are commenting, subscribing, ringing that bell and watching all the way through because right now I have the subscribers. I just don't have the hours watched and for some reason I probably lost some since last year. So I gotta get my watch hours up. I'm not gonna continue ramble. Thank you so much for watching. I will see you guys in my next video. Bye.