 Well, hello my friends and welcome back to my April 2017 budget. I do apologize. This has taken a really long time for me to get up, however it's finally happening. So at the beginning of the month everything looks clean obviously and at the beginning of the month I always have like a little sticky note here if I have anything like extra or kind of special that month that I know that's not like a normal like quote unquote normal expense for me so I'm gonna take that off and then I do my month view over here of my actual budget and then with these stickers these are from Coffee Break Planner. They are in the Emily's budget bundle. I will leave a link below as well as a sneaky little coupon code for you guys and then I categorize this as well once the month goes on. So let's get into April because some of you know that I've been watching that you know obviously watch my other videos not just my budgeting videos. I've been pretty sick lately and not feeling the biased, the greatest or the best. I've tried to say both at the same time that didn't work out. But yeah so I just haven't been feeling really good and that's why I haven't had the video up for you guys because it's just been so tired. We are just going to make it happen. You know what I mean guys? So I chose to use this Aaron Condren sticker sheet. I will be leaving the Aaron Condren links down below for you guys. It's so weird because I do have like an overhead tripod now that I like say down below like it's down but it's actually this way for you guys but I'm pointing at myself. It's very strange but I'm gonna be using this Aaron Condren sticker sheet. This is a monthly deluxe planner from Aaron Condren, the coiled version. This is what my front cover looks like. It's just my budget for 2016. I get a ton of questions about this particular planner. So I will leave a link down below for you guys. If you click on the Aaron Condren link and it's your first time ordering you will get a $10 off coupon code emailed to you. That'll typically happen the first day that you sign up. They'll send you a couple of different emails but make sure to look out for that $10 off email. Once you get it you can use it on anything that you want on the Aaron Condren website. I believe that these planners are roughly about $30 I want to say and then obviously with the $10 discount it's $20. You can also just buy like sticker sheets. I believe the sticker sheet was like $3 or so but yeah you can use it on anything that you want to and then you use your code for $10 off after signing up through my link and then in turn I actually get a $10 off a coupon code towards my next purchase which is kind of cool which is how I can show you guys like halls and some of the new products that are coming up soon and all that and I do get a lot of questions on these tabs. Actually Aaron Condren just came out with tabs. I actually just purchased them so I'll be reviewing those very soon but I got my tabs from Michaels just the recollections brand and then I just hand wrote them. I know some people have gotten you know some of theirs at other places and stuff too but that is where those are from and then I'm just gonna use this little header man up here and then if you guys are interested as well I get lots of questions about a lot of things so I like to be upfront before I actually start this because you know the comments get a little full you guys and that's okay I like the comments. The comments are fun especially when people get this video suggested to them and they don't necessarily know me or you know have seen my content before. The pen that I use is in the description down below. These are like little bookmarks. This is also going to be on the Aaron Condren website. This is on the Aaron Condren website too. Pretty much everything I'm using is on the Aaron Condren website okay so we're good there. Just to let you guys know I am a single individual. I'm my name is Emily. I am 36. I am currently living in my parents summer home as to save up for a big nice down payment on a house. I am currently looking for a home. I have more than my 20% down however I haven't really found anything lately. I've only actually looked physically at two houses since my search starting at the very beginning of January so it's been kind of an interesting process however we do have four seasons here in Minnesota and I feel like in the spring like there's a lot more on the market now I'm actually waiting for a call from my relitter anyways so that being said I really hope to start looking at some more kind of serious finds out there but again you know I'm not rushing it. My parents are so kindly letting me stay here for free which is great and you will see that reflected in the budget. I get a lot of comments and questions about that so yeah and as soon as I purchase a home then my budget is gonna look very different. I also use real-life numbers. This is my real life. This is exactly how much I get paid, exactly how much I spend on certain things. You know we all have different things that we choose to spend our money on or choose not to spend our money on and I'm not you know ever judge anyone for spending certain amounts of money especially if they have it. Just be kind in the comments to other people. I don't care if you're mean to me well I guess I kind of care a little bit but you know what I'll get over it but that being said some people like to comment on you know some of their things that they have struggles with or whatever and I think the last like budgeting video there was an altercation I had to delete but whatever I mean you guys do you let's just all be kind to each other okay alright that sounds like fun. Alright I think I'm gonna use one of these little circles. Be kind of cute. Budget. Because you know budget. April budget. Okay so that's done. This I might use a little bit well you guys can't even see it. This I might use a little bit later. There are four paydays in April I believe I get paid every single Friday. Let me just double check that yeah there are four so let's get it written down. I always clip to this actually let me zoom you guys in a little bit there we go that looks a little bit better. Okay I never put in when I'm writing because I never talk when I'm writing because then if I do I end up misspelling something or doing something not supposed to do but whatever so like I said I get paid every single Friday if I work 40 hours this is where I am at with all of my taxes and insurance and all those things taken out if I work over my 40 obviously I'll get a little bit more if for some reason I need to take the day off or I'm short on hours because I have to leave early or come in late or something like that obviously that would be reflected but I'm just gonna average out at 40 because that's kind of like where I average out. So that is all of my incoming for this month as some of you know that I've been watching me for a little while I do earn YouTube income I do not put this in my budget just because I actually run everything through my small business and I choose to keep that private as of right now I may end up publicizing it at some point I don't really know how kind of comfortable I feel about all of that but you know I'll do what feels good you know like later on down the road but I'll definitely you know kind of keep you guys posted as to you know what my comfort level is and all that good stuff but yeah I don't put that in here mainly because first of all I don't know how much I'm gonna get because you never know with the YouTube you just really never know you guys and the other thing is I really use my YouTube income and I don't actually pull a salary on my YouTube income like ever because I reinvest it into my channel so recently I purchased a new tripod like the little tripod that's right there I purchased that I'll purchase planning supplies like things from Aaron Kondren things that I need for my videos like pens and you know just like things that I'm showing and whatever so I actually don't even put that into my normal budget any longer all of my planning stuff just because it's running through the business now and I did talk to my tax professional before people go off in the comments I did talk to my tax professional about it and she said as long as you show it in a video and it's for video purposes you can put it through your business this percentage of write-off we'll figure that out later but that is okay and I'm really excited about that so I think that's gonna be a really really nice thing let's put in some of these I'm using a couple of different Aaron Kondren sticker books these are the two I'm gonna be using today so out of this one I'm going to use the one that actually was for April I've been using this sticker book for quite a while so I just like to kind of separate it and if you guys know me at all you know that I want to write in something pretty to keep myself on track with a planner if you goes if you goes if you guys don't like to you know decorative plan your budgets that's totally okay but yeah that's just what keeps me motivated and that's really what I focus on on my channel is just you know what I am into and you know a lot of you seem to really understand it and really end up liking these videos so I do appreciate all of you guys supporting my channel and subscribing and liking and like all of that good stuff so thank you guys so much for hanging out with me okay this is not doing this I usually end up like resticking the little tails down on here because you can use them for later you know what I mean I'm like why waste it but this one's just like not wanting to stay down for me come on stay down you know like scrape it with the nail or something I think that will that will work alright so let's put these off to this side and then let's go with the top is always what's coming in and then the bottom is always what is going out so let's do that so I'll do my set expenses and then I'll do kind of my like more miscellaneous things and then I'll do like my cash envelopes and you know savings essentially my savings is always going towards my house fund because I don't save for anything else right now so let me write that in and then I will be back in just a second okay so here are all of my expenses I'm estimating a couple of these so I'll just run through the categories really quickly Netflix is a set expense at $10.68 my cell phone is a set expense at $10.155 my Wi-Fi is a set expense at $45.29 my insurance which includes my autos and my renter I do hold a renters policy here and the reason why is because my possessions would be covered if something were to happen to this home if something happens to this home and my parents possessions are covered in mine or not I would be up a creek so to say so I only pay about I don't know like less than 10 bucks a month or something for it so I feel like it's definitely well worth it to protect all of my stuff especially all of my YouTube filming equipment and stuff you know what I mean so anyway gas for my vehicle is usually an estimate of about $200 a month my personal household expenses which means like makeup shampoo toilet paper dish soap things like that that aren't food are $100 and I'm just estimating my giving for this month is gonna be around $200 I need to go buy dog food for my dog I get him like the biggest bag possible and he's on like a special limited ingredient formula dog food so it is a little bit more expensive but again I get in the biggest thing possible and I usually end up only having to buy this big bag like once a quarter if that so it's around $80 to $90 I just put in $90 just to be safe and then I did have a ton of medical stuff happening recently especially like if you guys have been watching this long when I was talking about being tired all the time I have gone to the doctor a couple of times and we've done some testing and things like that I haven't received all of my medical bills yet but I do have insurance but unfortunately my insurance isn't the greatest so I have to reach a specific threshold throughout the year and it's kind of the beginning of the year so I'm going to estimate around $400 for this month if for any reason it's above $400 I'm sure that I could chat with the you know billing department and see if I can pay the rest of it in another month you know most medical places are happy to take your money but I will chat with them if it's something that I absolutely have to pay and there's just no way around and I'm gonna get charged interest or something I'll just end up paying it if it's 400 if it's over $400 but we'll see we'll see how much it is but let me get this totaled up and then we'll move on to the rest of the categories alright so my total for this section is $1,251.69 if for some reason I end up getting my medical bills and there's only like a hundred bucks or less than that or whatever all that excess will end up being at the bottom of my page which will go right towards the house savings which I will show you in just a moment so as for the next category I am going to be using the same sticker a book here from Aaron Condren under the April tab and I'm going to use this one I just thought these were really cute and pretty so why not again I gotta have it cute you guys I can't have a non-cute budget you know what I mean and actually today I got like three questions on three different budget videos asking if I use every dollar as you guys know I am a big fan of Dave Ramsey if you watch my financial Fridays you would know this about me but no I don't use it and I will tell you why I don't use it I love pen to paper I'm old school like that it's just what works for me but I can see the value in it I'm just not big on to the app I did download it actually you guys like I did actually download it and I just wasn't into it and I know why I wasn't into it it's because I am not married I don't have a partner I don't share like share income with anybody so I guess if I shared bank accounts with somebody to be like more of an accountability person or your spouse I mean Dave says do it with your spouse I mean whatever so anyway I would love it if I had a mate I was sharing finances with but because it's just me I don't really see the need for it because I like to do stuff on paper so that's that's my thing that's that's why I don't like it for me personally but you know to each their own and that is okay alright so as for my cash envelopes I'm only gonna do grocery and dining it's kind of funny my cash envelopes are a little bit sad now because I only have two different categories for my cash envelopes right now so since there's only four weeks in the month I usually budget out to about $50 a week it's just me and a dog no one else is here and then for my dining budget I am planning on possibly going out to like a lunch or dinner with somebody fun it's not a date you guys don't worry I want to budget a little bit higher for that because we're gonna go to like a nice Italian restaurant I think I think I want to budget like 150 for the month this is gonna cover everything though you guys like it's not I'm not spending $150 on one meal don't worry so yeah but let me put in another little little flag here and then we'll get that going so I've got a total of $350 there alright so got my little flag in for the total of 350 which is awesome and then again I'm gonna use this guy here I think I'm gonna go to a different page and use a different one maybe I'll use it's kind of like butterfly I don't I don't know when I would ever use these butterflies ever again so let's just let's just go with it you guys this one is from the May one you can't really see it because I already took these off because I've like I said I've been using this move this category here over to here I hope you all are having a wonderful spring so far it has been unseasonably warm like crazy warm in Minnesota I feel like knock on wood I'm not actually gonna knock on it it's gonna wake the dog up I feel like we have had such a mild winter and I'm just kind of like waiting for the other shoe to drop honestly you guys because it's kind of crazy how hot it's been it's been in the 50s for I don't know a good week week and a half and it's been like kind of going back and forth in the 50s I guess so some days it'll be in the 40s some days it'll be like in the 60s it's just kind of insanity I'll take it it's nice outside and I hope that that means that we're not gonna have a icky hot summer so never know okay so down at the bottom I'm just gonna put in the total incoming and the total outgoing and then like how much I'm gonna do for like my house savings so let's get that totaled out okay so there's my incoming and my outgoing so I am going to use from this book this sticker book it's like the one with the little light teal cover I'm gonna use from the January page this little flag here cuz I'll think it's cute so why not all right so let's write house fund already wasn't as bad as I thought I thought for sure that I wasn't gonna be able to save a thousand dollars this month just because of the medical but again I will you know get that hammered out when I need to so put that right there and then over to the side since I already had this open I think this is a really pretty one and I'm gonna use this right over to the side here because why not again let's make it pretty guys let's make it pretty yeah that's so cute it's very spring very springy I like that and then also this isn't necessarily like in the kit but I do have some big piggies like little I like how I say big and then I say little but they are this is like a standalone sheet from coffee break planner which I love and I love this big pink pig and it just reminds me to save like oink oink time to save so that's exciting but again I will leave the link below to coffee break planner where I end up using those and then over to the side I want to do like a little like inspirational thing all right I think I'm gonna use actually this one from the April book in this same guy because I think it just goes well with the coloration and stuff let's do the create your own serenity why not let's be serene while we're paying bills guys all right so let's put this over here and then I can always notate anything as well so I just think that's freaking cute you guys just really really cute alright let me zoom you out so you can actually see the whole finished thing I just zoomed in a little bit too much here are we all in frame yes we're all in frame good job guys alright so that is my budget for the month of April I hope you guys enjoyed I do apologize again for the late upload but I will hopefully be back on track with my medication adjustment in May and I'm really excited about this month and I have really fun things coming up in the summer for you guys too especially due to budgeting so I'm really really excited for you guys to stick around speaking of sticking around make sure to subscribe to my channel if you haven't already every Friday I upload a financial Friday actually I didn't do that last week because of the illness but we won't talk about that but every Friday I try to upload something financial related it could be a book review it could be I reviewed the entire class of FPU every single week and did an entire recap of the class if you're interested in that you can look back on my channel and there's a ton of content about Financial Peace University from Dave Ramsey I know I was super curious about it but it's really about me and my station in life and how the lessons would apply to me so anyway I am gonna go I need to get this edited and uploaded for you guys tonight so tomorrow on Friday you will have wonderful content sitting in your subscription feed so anyway I'm in a jet thank you so much for watching and I will see you all in my next video bye guys