 everyone and welcome to Nora's Cove. I'm Yoshida and here at the Cove we do budgeting, finances, DIYs, planning, minimal planning, all that great stuff. So if that's something that you'll be interested in, hit that subscribe button. Also hit that notification bell so that you're notified whenever I upload content. All right you guys, so we're gonna hop in. So when you start my sand, I have not done my weekly. We're doing monthly. I've kind of already pre-planned my monthly and the monthly calendar. I actually like to do that off-camera because I can kind of really focus. But with you all, I mean if you'd like to see me do my full monthly budget routine, let me know. So this was last month. A lot of this, let's go ahead and review. Let's just review and I'm gonna open up to my June calendar. I'm gonna use this new marker here. Uplift got paid and it wasn't the fifth. It was actually I think the 13th. So let me go back. Yes the 13th. So I need to make a note of that. Capital one, Citibank, Barclays. Barclays actually, I think I just gave them like 74 dollars. Carnot number two for the month of May. Yep, that got done. T-Mobile, I didn't do T-Mobile. Just X them out. I didn't pay them. That's another story. I later found that I could have paid them, but I just kept kind of like spending the money. I'm just being honest. PayPal, they got 50, car insurance, got paid. GoDaddy, Instant Ink, and I have uplift twice. I kept wondering why I was running out of room. I'm like, I shouldn't be out of room. I haven't added that much thing. So let's go over the income. So we estimated $3,500. We had two slow weeks, if you remember me doing some weekly budgets, and we ended up getting $3,217. Nails, we estimated $60 and we ended up getting $95. Norse Cove, we estimated $200. We ended up getting $101.45. And then a miscellaneous of $100. Those were some returns on some things I did. So our total ended up being $3,513. Okay, let's move on. And that was May. So let's move on to the month of June. Happiest here, y'all. We are halfway through the year. That means Christmas is right around the corner. So I'm just going to go down here and highlight because I'm going to try to stick everything on here. Okay, for income, we have hair, which is our first source of income, which is like our main source of income. We have nails, y'all. I wanted to stop doing nails this month, but I'm trying to make it to August that'll be a year that I've restarted. And I'm only like a three week break right now. So I don't know what I'll make. I'll just put $160 down here for nails because I think by the time they come back, it'll be three weeks, so it'll be the end of June. Hair, we're going to do $3,200. In summertime, people are going to brace. They're not really getting a lot of hairdos. My natural girls, they're not coming in for blowouts. So we're going to bring that down to $3,200. And then we have Norris Cove. Let's talk about it. I don't know. Like I'm ready to just be a consumer and I really don't want to give up because I do enjoy making the stickers. I enjoy doing inserts like this. But like I said, before in a previous video, I have some budget things planned. So we're going to rock with Norris Cove. I basically have to get on the ball to make those things happen. So right now, I'm just going to leave Norris Cove at $150, guesstimate it. And then I'll do miscellaneous. And at the moment, we'll leave that at zip. So let's see what we have. That's $380, $480, $530, $3,580. No, $380. Hold on. Let me see. Trying to math. Trying to math without a calculator. Oh, well, no. Okay, let me just use the calculator. It's better. $3410. I'm like, what? $3410. Okay, so now let's start with the bills. I'm going to start off with the first. We have cloth and paper, which is already came out. And that's $38. I kind of want to stop next month, but June has already come out. So we've already paid that because I don't want to sell. Matter of fact, I may have miscellaneous because I want to sell my box, but I've opened everything. So I don't know. Amazon on the second. I'm going to try not to ramble. I think that was 1589. I ordered some things. Community. What did I give community? I think I gave them 40. Shopify is due on the third. And I've already have the money in the account for that. And I think that was going to be like $43. It was like $42.89. Something like that with the tax credit one is done. The next bill will be the 11th. I feel like I'm missing something on the six through the 12th. I know I have more than those two bills. Let me go back. That's why I like having a year's worth of inserts in my planner. Sorry about that. So I like to have a year's worth of inserts in my planner so that I can kind of go back and see what happened or if there was something that I missed. Canva. I have Canva for the seventh. So I knew it was something and I don't have it written here. So when did I think Canva was coming out? I'm just going to take this out and put Canva. I'm not going to look for my little stickers right now. I'll do that later. So Canva and Canva is I think we gave credit 130. How much is my Canva? I think it's 1377. I'm having a brain fart. Okay and then on the 11th I have card note number one and let me explain to y'all. I really want to pay my card off but I want to kind of be to get to the point where I can move my card note number one up to the first of the month. It's really like the second week but I want to be able to move it up to the first of the month. That's why I try to pay off so many of those first of the month bills which I have succeeded in and that way I can be able to pay extra if that kind of makes sense. And then on the 11th I have Chase which is a new card and actually my first bill is on like $40. That's pretty good. Next up we have on the 15th capital one and I'm going to do them $50 because I'm so sick of this card. I've had it so long and I got one increase and I just keep I don't know why I keep running up being about a $500 limit. 17th we have Citibank but that card is like my tough times card when things are tough because you can make a deposit. How can I break it down? You can make a deposit and I have it linked to my bank account and it may take a day for the money to come out but if I need something I can get it and I know because I get paid on a daily basis I know I could have that money there to cover it if that you know if you understand that. Citibank and then Citibank gave me an increase y'all. I guess that was a good paying everything off but I'm not even going to use it. I ain't even going to use it. Okay Barclays they're the highest one we're just going to put 80 for them because we don't know how this month is going to go and then on the 21st we have our second card note card note number two and that is 181.60 and then the 28th I feel like something's missing. I know I've paid a lot of stuff off but I feel like something's missing. It is missing. Car insurance is on the 28th at 206 and I just realized um I mean I had a big sticker here. On the 21st we have T-Mobile but actually I have them on the 19th. I'm gonna put a slash here. The 19th, let me make a note over here because I just set up arrangements for that amount but the total will be like 418 for the month. Okay I should have paid it when I had it and the last bill of the month is a GoDaddy. That is my email connected to my website and that's $7.41. Now I'm going to do a little comparison because I just feel as though I'm missing something. I don't know why I just feel like there's a bill that I'm forgetting. Let's see let's go over this oh uplift because uplift is new. I can't believe I didn't put uplift. Uplift let's do on the 13th and I think that's around let me see uplift. I just put 40 so we'll get 40. I'm gonna try to pay that off soon and let me make a note in my calendar about uplift on the 13th. I'll come back in with the little cute little stickers later if that's the case. Let's see what else I may have missed. We did credit one oh Walmart. I paid off Walmart last month. Hallelujah. So I don't owe that. Capital One City Bank Barclays. I'm getting these credit cards down. I'm knocking them down PayPal. PayPal. I forgot PayPal and Insta Inc. Yeah PayPal. I'm gonna give them 50 and PayPal is due on the 25th. Did I pay that? And Insta Inc is due Insta Inc is on the 15th. It's just like 19 dollars but we'll just put 20 and I'm just gonna come over here and put Insta Inc. I think I didn't finish this calendar. That's what it was y'all. I didn't finish this calendar. That's why I'm having to add stuff. Okay let's do a little totaling. I want to double check to make sure I'm not forgetting anything. G-Mobile PayPal. Okay I just looked at my PayPal statement today because I wanted to purchase something but I'm going to double check it. So I'm going to add these up and be right back. Hey guys so the total is $2,495.27. So let me tell you what I did forget. As I was calculating I realized I forgot booth rent and there's no date to that but for the month I paid $1,000 so I've added that into that and so again that's $2,495.27. Okay so let's do a little subtracting because I realized something like this time last year I got back into my cash envelopes and I was really making a point to stick to it because I wanted some you know extra change for Christmas and so cash stuff is coming back. Let's see 34 so that leaves us with $914.73. I want to be able to put $100 in savings. This is just a guesstimate. I want to be able to give Christmas at least a hundred so that makes it $814.73. It was something else that I wanted to put in. I definitely know I want to do the Christmas fund and e-fund. I want to at least have $100 in there as well so I'm going to take $200 that makes it $614.73. Cash envelopes I'm doing $100 for groceries but I need to do actually $200 for groceries leaves $414.73 because there'll be some other things and again this will be like a little cushion. If you are new here I am not a zero-based budgeter I would love to be would love to be but because my income is inconsistent I have to guess to make my numbers. I like to leave this little cushion sometimes this does not just come out the way I want it to but I want to be able to leave a little cushion just in case things go south like I could end up making just $3,000 for the month and as you can see there's a $334.10 here and then there's $414 so if I was to take this away from that that would leave me $3,000 so I would at least get my bills in so bills are going to get paid okay bills are going to get paid that cell phone I needed I needed for business so I don't know why I did that to myself but oh so while I'm at it I'm going to mark off the things that I've already paid and that has come out cloth and paper Amazon communities come out and wait no Shopify I've paid this will Shopify is there so all I'm waiting on are these things so let's hope for a good gene budget wise I do apologize again for being late with the budget but I just had so much going on and then I have good weeks where I'm just like yay I'm energetic and popped and money's good and I'm focused and then I have those weeks where I'm just not as focused and this week was just one of them I just wasn't focused but I really tell you this planner here is what keeps me accountable because I can do my budgeting in here as well on the go so like when things come up I write them in here and then like see I have everything in this cow I have everything in here um all my bills listening here this is what I should have pulled out over that reminds me I didn't put Netflix but I just send my husband the money for Netflix it's only like $30 $25 so there's money to put that there but yeah so this is my gene budget I hope you guys enjoyed today's video um again if this is your first time watching and you enjoyed today's video please do me a favor hit that subscribe button also hit the notification bell so that you can come back for more content like this and I'll see you all in my next video bye