 Hey everyone and welcome to Knower's Cove. I'm Yoshida and today we are doing our January budget, long time no see. So if a budget is something that your monthly budget is something that you're interested in, stay tuned. Okay you guys let's hop right on in. I've already tabbed my new monthly. These are from my shop. The link should be listed below and this is our monthly breakdown. I've already circled January. I'm gonna go off of an old monthly. I actually need to make me some monthly inserts but I think about it. So let's get a pen. So you guys know what I'm gonna say. It has been the last month or so. It's been a little, I can't even describe it. I bought hardly any Christmas gifts. Just everything has been kind of tight. You know that new variant has kicked in of COVID. I am actually on my last day of quarantine. Not that I tested positive but because one of my customers tested positive and she let me know the day after she came. So here I am. So I figured I used this time for good plus I forgot a couple bills last month. Had to pay some late fees so I'm trying to avoid that this month. So I don't know. So if you're new here my sources of income is hair, nail nails and Shopify which is my shop. I shut down my Etsy for a little bit. I maybe open it. I closed it because they were doing the 1099 over 600 and I was fastly approaching that. I know just pay the 1099. But anyway so this month is always a slow month for me with hair because it's after the holidays. People are paying credit cards back. So I'm gonna just guesstimate this at 2800. And also if you're new here I am self-employed in all my jobs. I have three businesses at the present time and it's always iffy. So I always go with the lower number. For nails we've been doing roughly around 2200. This was the month that I was gonna finally up my prices. I've just been charging them nothing and they just tip me. I just asked for tips because I'm just re-getting back into doing nails. But also this month for nails I am cutting back on my customers because I do work from home doing nails and I work in a salon doing hair. And with the nails I just really don't want everybody in my house. Even though I'm doing people who are vaccinated I am doing pretty much people I know. I'm a couple that was referred to me by maybe those people or family member. I'm cutting some people back. But I'm still leaving at 200 because I haven't decided on the prices yet. Shopify I really don't know. I am running a sale now. I'll leave the code here for the sale. It doesn't have an end date right now. I'm just trying to get rid of some inventory but I'll put the code here new year 22. So I'm just going to guess to meet a hundred so far for that. So that's $3,300 for the month. Okay let's get into the juicy part. Right now I had planned to do some cash stuffing. Cash stuffing is coming back. Don't fret cash stuffing is coming back. I had saved up a couple of dollars but then when I had to go on quarantine I had to dip into that money which I was going to do my cash envelopes. So nonetheless I always start also I always start with those bills that are important to me which is card notes. I'm just going to put the whole thing instead of breaking it up like I pay it. I think it's 36381 and that's due on the 11th and the 20th. Okay we have car insurance. Something else. $206 that's due on the 28th. Okay and then on the 20th as well I have Navy Federal Credit Union loan and that's $96.11. I only owed $270 something more dollars on that. I'm trying to have it paid off by February. T-Mobile. Oh god there's different dates on this so I won't put any dates there and it's a lot. I'm just going to put $400 because I'm on a payment plan right now and that's something else I want to do this year is finally be able to pay them on time. So I'll have some new categories this month this year for my sinking funds. Okay then on the 18th we have Barclays. They should get a hundred. We have the 17th City Bank and they've been getting like 31 dollars. I think I gave them 50 last month I'm gonna give them 50. Amazon during the first they've already taken their money out and it is $1377. I'm sorry if this camera's shaking hold on. Okay I got rid of my cloth and paper as you all can see I'm going on this one over here. I got rid of my cloth and paper because I just had to free up some money. Lane Bryant has paid off. I paid all to this month and I did give them $29. Amazon's page. Let's see Victoria Secrets paid off. Walmart I've set up a payment and that is $28 right now. I'm paying basically the minimum or most of my credit cards just so I can kind of get caught up if that makes sense. Canva I have the 7th down here and that's also $1377. Okay Insta Inc I believe that comes out on the 20th and that is $19.99 and Apple Altogether it is like $13 and Booth Rent. So Booth Rent has gone up. I was paying 8. It's like $900 a month now. Wayfair. Now Wayfair I need to pay off by the 20th or 25th of this month and it's like $200 and something. So I'm going to put $250. I don't know how I'm going to do that but and then Shopify. I haven't sold anything yet. If I sell anything we're going to put it at $34. Okay because that may just go on and use pirate ship for shipping and then we have Community Bank. I always forget about them which I have just paid and they were think $30. No I don't actually owe anything for Community Bank this month. I looked because I had a late payment last month and so I just doubled it and I thought I was paying the late fee but they showed that I don't owe anything for this month but it would normally be 29. I'm going to double check make sure I think that's it because we got rid of cloth and paper so you can see I freed up a lot of this space. Let me show you. I was running out of space on this one and this one is from August. These are all the things that I pay but I've gotten rid of two credit cards and a subscription. So now will I ever get get another subscription to cloth and paper? More likely yes but right now it's just not in the plan. So let's do a little math. And what I'm going to work on today is creating a monthly insert. It's snowing here so that's what I think I'm going to do. So let's do a little math. Okay as you see I have $2,517.45 in bills and I will be barely making it. $2,517.45. So this is my total. I'm going to subtract it from the $3,100. That is my January budget. As things change I will be doing my...