 Hey you all! So today we're just gonna hop right into things because I'm so excited but before my excitement gets the best of me I want to say hello to everyone welcome to all my new subscribers. If you're new here I'm Yoshida this is Norris Cove. I am the owner of Norris Cove. I'm also a self-employed hairstylist so my income is inconsistent. We're all about a budget here planning all that great stuff related here on the channel. So without holding you guys up you know I'm so excited. So last week I did no this week excuse me I think the beginning of the week I did a video on my sinking funds cash envelopes getting back into it COVID hedge girl a little twisted so you guys I said okay Yoshida you gotta focus you can do this you've done it before but y'all let me tell you I'm just so proud of myself so this is what I'm gonna do first this is my tips let me go some change hold on that's some change this is tips and this is all of my cash oh and also I say change anyway but I just normally get it out of my purse whenever I need it I have this bucket I will label it later but for now let's empty I left over change so what I'll be doing is um I'll be not touching this until 2022 to see how much I've saved I also keep me a little lucky money brought in here so let's put all our change in okay so this is the change that we have again we'll be counting this at the end of the year to see how much we've saved I'm going through some other purses and add to it and then we'll just do all that 2022 okay next up let's count how many tips I made this week I actually need to add $15 to it but I'm leave that $15 in the bank because I was paid through cash app and so it was on that so I'm going to leave that in the bank and we're going to do a little total here so it's 20 40 60 80 85 90 that's what we had in six 90 dollars in cash now what I'm doing with my tips I'll tell y'all so what I'm gonna do is just go ahead and throw this over here in my money drawer because we're going to use that to pay some stuff next up this is what I just took out the bank to do for cash envelopes because some of it was in the bank and some of it I did have on me but not a lot so let's count that we got 50 90 120 25 30 35 135 so I'm going to put these up oh what did I say we had in 80 90 we had 90 dollars in tips and actually we have well I'm just gonna put cash 90 dollars in tips let me take that off so I can keep up so I'll know and then we have 50 125 135 135 that's just cash stuffing 135 okay now what I also did this week you guys as you can see I just made me a little cash some cash planners I'm actually going to make about two more but they'll I'll tell you what they'll be for later at that time I made me some cash envelopes and I was so proud of myself because when I tried to do this a year or two ago girl your girl was just making a mess but I figured it out and I love the way they came out I do have these listed in my amazon storefront but of course I did the vinyl and stuff myself so let me show you my categories that I have also I made me some slips to go in here if you're interested in them I can make them available via my website but I have even out gas booth rent household challenge it's going to be three challenges another challenge number two Christmas receipts that should be in the back planning one and five dollar challenge vacation and that says girl that's my husband okay and the reason that he's in there because there's two reasons um eventually I want to get to the point where I can help pay he pays all the bills but I want to be able to help pay at least half or the mortgage or something plus I owe him for something he took care of me and I want to pay that off first so this next um um this is not going to be the way they're going to stay I'm just I was excited a little carried away but we have self-care destiny that's my daughter products miscellaneous sinking funds there's just this one emergency fund which I'm going to redo these gas Vegas and debt so I'm going to take out Vegas because some of that I'll tell you all about that in a minute now we have rollover and debt okay I'll take out debt as well I may move that one to the other one okay so I'm doing two challenge three challenges as you can see we have the one and five dollar challenge so I'm going to add up what's in the one and five dollar challenge now I know most people are probably waiting till the end of the year I'm in debt and I'm going to go to those because what I was going to do was save those for Vegas but I really think my tip's going to cover um my debt but let's just count so this first one I'm doing is a thousand dollar challenge so you would have let me make sure yeah no this is two thousand dollar challenge so that's ninety dollars that I saved this week doing um a two thousand dollar challenge so each day you pick an amount I'm going to show you I'm going to leave that in there I was going to take it and tackle debt but let me show you so I um someone sent these to me and I just ran them off but this is the two thousand dollar one so each day you just pick one and you mark it off okay so that's what I did so I didn't do it every day but this is going to be my Vegas money so that's why I'm not going to touch this one but I thought I was going to have to touch it to pay some bills but I'm not I'm going to hold on to it so once um we go to Vegas I'm going to take the money out of these challenges if I come back with some that's fine I'll put it in the rollover and then September the first I will start over with this 30 day challenge okay let's see Christmas now the one and five dollar challenge this is the one I was going to take and pay down debt but I don't think that I need it um let's see what we got in here one and five 15 16 17 18 19 20 21 22 23 24 25 26 so we have 26 dollars so far in the one and five dollar challenge so let me put that down one and five and don't do a total so I'm going to go ahead and leave this one and five in here to next week now I have another challenge that I'm doing which is $1,000 in 30 days and 30 days that was the original one that I was going to do I was like if I could just get $1,000 oh it was $90 in the 2k savings I was like if I could just have $1,000 to go to Vegas with I'll be fine so this is the thousand dollar challenge now what I've decided to do is get rid of this um thousand dollar challenge um 20 40 60 so I'm going to wait till some of the time but I think this will be going to get so I'm going to put this over here on the side but we had 60,000 and I mean 60,000 $60 and the 1k oh I should add it to the 2k I don't know but I'm just going to alleviate the $1,000 and I'm going to work on the 2000 and I'm going to disperse that amongst other stuff okay so that's it we're leaving the one and five and everything else but you guys so let's count up what I saved for the week let's see we have the $90 plus 135 26 90 and then 60 hold it I saved a $401 if you minus the 135 let's take off y'all $401 what hold on I'm gonna take off the 135 so 90 plus 26 plus another 90 plus 60 it's $266 now I'm going to include the 135 because I just took down the bank it was just there so $401 that's with doing three challenges and tips so if you're a self-employed like me you get tips tips can pay a bill so let's stuff these no $401 I'm so proud of myself okay so let me tell you um well I'm thinking about it so what I did this week because I'm like I've got to get back on track so I'm whipping out my planner because in here I have a finance that here's my debt I went right to it so this is what I have in debt this is not including like my cell phone bills which I do want to do that so it's $19,789.75 now I like Dave Ramsey and I like following the program but this is what I'm going to do so first thing I'm going to do is give $66.86 to Lane Bryant that's that's the smallest card that I have so I am doing debt snow snowballing but I'm also I have this high interest Barclays you guys this is them right here the credit limit was 2000 I purchased something for like 1500 and COVID hit I bought it like the end of 2019 well COVID hit and I assumed that there was an 18 month no interest well the interest hit and it was $500 I've been giving them the minimum I really could have paid this off during COVID but I was just like oh I'll get to it I'll wait to the next big check or whatever didn't do it paid the minimum amount I looked interest hit again and it was up to 2600 so here's what I'm going to do I'm going to pay this off so we're going to get $60 here I'm going to take $65 I'm sure I got a dollar my bank account and I'm going to put that into the debt folder and I'm going to pay off Lane Bryant it is the smallest one I have so tips alone helped me pay off that credit card I still have $30 left out of the tips okay so we're going to pay that off and then the next credit card is Victoria's secret so I'm going to pay that off I want to give Victoria's secrets let me see y'all let me I ended the total 401 okay so Victoria's secrets is 135 135 87 divided by two I'm going to break it up it's another $67.93 so I want to give them half no I think I'm since they're small I'm going to give them their regular amount um my Barclays like now the payment is $84 okay so normally I just paid that out of my account but I'm going to take um 50 actually yeah I'm just going to take $50 and I'm going to pay the rest out of my account and at the moment I'll be giving them a hundred so I need to put down to give them a hundred so I'll take the other 50 um and I'll put with it and then they'll get a hundred and for Barclays and then um everything else I'll just keep doing what I can I'm going to try to give extra and then I'm going to try to give Barclays an extra 50 a month so this is main mainly like a digital envelope because I normally pay this out of my account of what I make it's just part of my expenses but I think I'm going to throw extra 50 that's what I'll do I'll throw an extra 50 every week at Barclays until I can give them the total amount so what I'm going to do with that $2,000 challenge like I said that'll go to Vegas once I come back from Vegas I'm going to do it again and I'm just going to throw it all at Barclays because it is the highest interest and then I'll start working on some more small things and the next I have Citibank I want to pay them off and then I'll throw another thousand at them I owe them 973 um and then my car loan is 13,000 my goal was to pay it off in 2019 um that didn't happen that's when I started to really do my cash envelopes and then um COVID hit so I knew I couldn't pay it off but I started with 17,000 so and I got like in 2018 so I'm doing pretty good um I'm going to we're going to paying that off this will be paid off in 2022 trust me it's going to be easy I'm not even worried okay so now we have 20, 40, 60, 80, 101, 21, 40, 150, 60, 70, 170 dollars okay I lost my train of thought it hasn't interrupted me so so let's see um so Vegas so we're going to be throwing again all the challenge to Vegas um now this is what I'm going to do I got to give eating out some money I did eat out this week but I'm going to give eating out 40 and I'm going to try to limit that so that's going to get 40 and I'm going to write in here that I added 40 and the day was a good day to um do this video it's the last day I worked and I'm going to do my about my budget after this okay so we have 40 and eating out I am super excited what I say in a week do y'all know I've never I've seen that before in a week but it's been a long time okay gas so gas will get 20 because next week it'll be time to get gas and then I'll put 20 dollars to it so I'll be doing another cash stuffing on Friday deposit so I'll give it 20 next week I was going to do the whole 40 but I'm gonna do 20 next week and then booth rent now this is here for my rent where I work at and this is case like we have like we're going on vacation so that way if I want to put something in there to just be there and to go to um to make it how can I put it to make it less while I'm on vacation so in the future when I need to take a vacation because I still have to pay for where I work at whether I'm on vacation or not I don't get a a free week or anything like that so um that's why that's there I'm not going to give that anything this week and then this is household um I looked I have I love the plugins it's almost time for plugins I'm gonna give them 20 and I later um may add to it so I'm gonna really try to hold off but I have enough to get by and I can wait on my plugins I want at least get 60 in here so now everything else may go right into the bank like I said we are the debt is going in the bank that's that okay gas so next week I'll put 20 and for gas and I get gas about every two weeks unless I'm traveling challenge this is a thousand dollar challenge this is a $2,000 challenge Christmas I'm gonna give Christmas 10 I wasn't gonna put anything in here yet because I'm just getting back into the groove of things but what I normally do is take my tips and pay for Christmas but I'm gonna give Christmas 10 since I realized how much I saved this week so Christmas is 10 and I want to do another envelope that I'll be adding is gifts because like when I finish this video I need to go to I'm going to my aunt's she just moved for the house a couple of months ago and I just don't want to go empty handed I'm planning planning is not getting anything this week because I've invested some money into my business so don't do anything this week okay eating out I got 40 there okay Vegas that's from the challenge we'll do that later get and then I still have 20 40 60 70 80 $80 let me check my other ones oh I'm gonna need a pedicure coming up I normally that's normally like 40 I'm gonna put 25 in here for self-care and then I'll probably end up putting to it next week like another 25 and then I do pretty much everything myself besides my pedicures I can do my pedicures myself but I don't I do sometimes when I'm in a crunch doesn't doesn't get anything products they'll get I'm trying to think I'm gonna give products 30 this is for work I do need some things next week so gotta make that work in miscellaneous we'll get and then I have a rollover here that needs to move self-care so products miscellaneous will get 25 so now this is what's gonna happen um I'll take miscellaneous I might keep I keep the cash in miscellaneous but products will go into my account because sometimes I'm at work and the guy I can just cash at him and then self-care self-care might just stay the same because like I said I can just pay cash for um for those okay so that's that um and then this is debt debt is definitely going to the bank because we're gonna pay all these credit cards so I'm excited so we'll be putting let's see 50 110 115 so we'll be putting 115 back into the bank that's going towards debt and actually I'll schedule my first and I'm like credit cards um tomorrow what's tomorrow it's the 31st tomorrow and then I'm paying off lane price so I can take that off of my debt and so my debt will go down by 66 and I'm just gonna set this up front because what I may do after I leave my house I have to pass the bank so I may just um stop by the bank and just re-deposit that so you guys thank you so much for watching again if today was your first time watching any of my videos and you enjoyed today's video I would love to have you come back for more budget with me if you're new to budgeting um kind of like myself I'm not new I'm just true but I just don't get it all the time so if you want to get along with me and you want to get your finances in order and follow along with me and watch me tackle this $19,789.75 worth of debt stay tuned come back for more hit the subscribe button and don't forget to hit that notification bell so that you're notified when I upload videos like this so I will talk to you guys later