 everyone and welcome back or welcome to Norse Cove I'm Yoshida. Today we're going to be doing our monthly budget and for those of you who are subscribing been with me my last video was about a month ago. Well I've pretty much been out most of August from work. I had a real bad nosebleed the first of August which lasted about six days. I ended up in the hospital. I just realized I didn't do August. It's budget because I pretty much was sick and I kind of found out it was high blood pressure, stress and I hadn't been taking my medicine I'll be honest and yeah so then after that I caught COVID just like directly out of the hospital not from the hospital but my daughter had courted. She was home so yeah anywho let's start on September I hate that I didn't do August but I know I checked some things off through my calendar that's something else that I didn't do my calendars but we're just going to start on September and I want to get back in the swing of things I have my wallet here because I'm actually going out of town once I finish this video but I have my wallet here because I wanted to stuff some envelopes. I thought about doing it with this video but I think it'll just be too long so we're just going to start here with our monthly budget also if you are new here these inserts you can find in my shop I'll try to remember to leave the link below and it's just I love it for using my monthly budget I do want to kind of search it up for 2023 but I'm already long-winded I've already been gone a while so let's hop right on into it. So first off we're going to start off with our sources of income one being hair now I normally put down nails but while I was out my only few little clients they basically went somewhere else to get their nails done so I just only want to include nails so I'm gonna put miscellaneous and Norris Cove y'all it's just been something else so projected for hair I'm gonna put 3,500 I like more than that but that's what we're gonna go with miscellaneous I don't expect anything Norris Cove I'm gonna put I'm gonna put 100 I'm really gonna try to do more work with Norris Cove and get back again in the swing of things so that leaves our total at 3,600 so Colton paper this month it's gonna come out on the 15th so I gotta remember that but Amazon came out on the first and that was 1589 community I've paid them just waiting on them to clear I'm playing catch up I owe back booth rent because I was technically out of work for like oh two weeks and remember I went and kept my nephew for a week and I just thank God I've had them at work that Saturday to get the money Shopify for last month was $29 I haven't paid them yet credit one paid them so my budget is gonna be really really tight this month but you guys let me tell you when I was in the hospital bed I just thought of everything and my finances was one of them because I was not prepared I just wasn't I'm just gonna be totally honest with you you all have seen how my budget goes you see how I pay bills and things like that I had no savings and I'm in the hospital worried about bills and I just didn't think that was cool you know I'm saying I just thought Yoshiba you have field yet again but not necessarily field I feel myself I feel my finances you know and always so I'm gonna save up for a sick day because you know with hairstylers we don't you know get sick days and things like that I'm writing down chase or I did chase credit like capital one so anyway I'm thinking about all of that stuff while I'm in a hospital bed okay I'm thinking how I got there of course not taking care of my health and things like that and I was like I've made a promise to God I said Lord listen if I get out of here and I live I'm okay I'm gonna do better and I'm gonna I don't care if I save 20 $25 a week whatever I'm gonna save something you know when I get out of here because I don't want to be put in this position again because I'll be back here stressing out about bills and I don't want to do that so I've done great this week I'm not gonna say great but still just trying to catch up you know on bills and I am behind I mean I caught up fairly quickly that first week I was back but there's the ones that was just like wasn't really important that I'm behind and I owe back boost rent so I have to pay pay that I've been luckily the owner of the salon she's very sweet and she's allowing me to give what I can so kudos to her but I need to get myself together I forgot car note number one in here so and I realized I'm looking at this budget I forgot car note number two I mean car note number one though last time so car note number one and car number two is 81 60 a piece and car insurance 28 so yeah like conscience I need to pay that it's just I've got to get back on track and I was doing so well I had to borrow from my life insurance to help with bills so your girl is like I'm gonna put the here for T-Mobile I already know I gotta give them 285 I really oh I'm gonna tell you how much oh T-Mobile T-Mobile 199 but yeah so I like said your sheet that you've got to get it together and you gotta make an effort with this cash envelope you gotta make an effort with savings and again you all see how I pay my bills and how I get paid and sometimes it's just not there you know like this week my T-Mobile I forgot about it it's due boost rent back with rent regular bills and the little money I had set aside I set aside like $50 from about like last week and then so this week I just tried to add what I could to it so it's not a whole lot that I'm stuffing but I said Lord how am I supposed to save if I got you know always play catch up so I always a head in the back of my mind that thought and it says pay yourself first and like don't touch it so I'm like okay just imagine if you're paying somebody off your sheet you just can't pay a bill you just don't have it you know not right now so just try to do a small amount so that's what I'm doing is just trying to start small so my cash stuffings will be small again until I can pretty much catch up I'm very ashamed I'm slightly embarrassed because at my big age I don't have a savings I don't have a retirement and I've just been self employee most of my life both my adult life to be honest and I thought about it I'm gonna give you a good example like okay I have down here a thousand dollars for booth rent I'm going to make it because I've given her I'm down to over these so 1450 is what I need to pay okay and my daughter has my calculator and let me see if we have another calculator here but I'll add that up I want to put into my savings this month at least a hundred dollars so put that down that's just a minimum and I can't think of an account number I already have fifty dollars in there so far so it'll be a hundred and fifty and I transfer fifty dollars over today to my savings account because I'm just like I gotta do better I just gotta do better and I had this realization let me zoom out I had this realization I was watching P Valley and the young lady you know she's been stripping and she was like you know she saved twenty thousand dollars up over seven years you know dancing and her mother stole it and I was like dang I've been doing this 30 years and I don't have twenty thousand if I could have probably had more you know so over 30 year period I could have had more of course than I should have a million okay let's just be honest I should have a million dollars saved and I don't so I know I can't catch that up not unless I hit the lottery but it is what it is I need to get on it fact let me add it up and then I'll come back and give you a total of the total amount that I owe but we're expecting thirty six hundred dollars for the month and normally let's check in I have not any new bills but that's not right oh it is normally it's like almost twenty five hundred dollars a month that I pay so let me do the math and I'll come right back and as you can see I told is twenty nine thirty nine seventy three so we're on almost three thousand dollars worth of bills so when I take away we're just gonna round it out to three thousand that leaves me with six hundred dollars and then I'll have the hundred and fifty well a hundred dollars and that leaves me with roughly around five hundred dollars that I'll have left and I do I haven't done groceries I haven't done miscellaneous so I'm going to go back again to my cash envelopes and in the beginning when I do my cash envelopes it's going to be clearly just to start and prayerfully not touch until I can build up a certain amount I don't even know if I want to do myself care in there yet I may have to slack on myself care Christmas is going to be a little shaky so those envelopes won't be started immediately but definitely my savings emergency funds of course I want to catch up some debt I want to pay off you know some things so we're gonna focus on that but that's all that I have for you guys today thank you guys so much for your patience I want to welcome all my new subscribers I pray that you stick around and if today's your first time watching any of my videos and you enjoyed today's content please do me a favor hit that subscribe button also leave me a comment it really helps me get out there so others can see my content and I pray that you subscribe and I'll see you guys in my next video