 Hello everyone and welcome to Norris Cove. I'm Yoshida. Today we will be doing our October budget. We are a little bit behind but let's hop right into it. If that is something that you would be interested in stay tuned. Okay you guys so let's start our October budget. I'm going to say September but October budget. I'll also be doing a September closeout budget. This was September. Now I ended up paying my car insurance yesterday which was the fourth but so I might still not going to include that I should but I'm just not so I want to put that little disclaimer out there and I'm going to put this over to the side so if you're new here once a month we just do our budget breakdown. We list our streams of income and try to see what we all have left for our sink and funds and our cash envelopes. So first I'm just going to take a highlighter here hit October and let's zoom in. Okay so first we'll start with our income. Let me get a pen. Anyone will do your sheet here. I'll just use this one. I kind of like this one. So first off if you're new here my main source of income is hair. I'm a self-employed hairstylist. Next would be Shopify which is my stationary shop and then miscellaneous I have which is normally Etsy or nails. I do do nails right now. I only have like one client that I'm doing. So for the month I've been looking back like it last month I've kind of updated my monthly budget and I'm coming in around like $3,200 for the month and then for Shopify it's hard to tell because I'm anticipating some new products. I do have the binders in my shop right now so if that's something you'd be interested in you can go over and purchase that. I'm going to last month I did about two something for Shopify so I'm going to put that in at $300 and for Etsy it was around $150. I gave it a set of nails which is I'll just put $200 for my miscellaneous which is nails and Etsy and whatever else. So we have that's $3,500, $3,700 that we're anticipating for the month. Also if you're new here I am self-employed all across the board so what happens is I guess to make my income I try to get as close as possible. I generally try to go a little bit under and I end up over and any over just really goes to savings or taxes or any of these sink and funds and cash envelopes. So let's get started on our bill. So for the month of October I'm going to say we're not going to have Victoria's Seekers anymore but I'm just going to put them down. I'm going to start with my card note first. Also I start with my most pertinent things first I don't list by the month I mean by the date by the date I just list by the most important to me and we have our Navy Federal Credit in your loan and that is $96.11. We have car insurance like I said I just made a payment but this is the October one and my car insurance also includes my life insurance and that's $213.33 and then next up we have T-Mobile and I think I finally got my T-Mobile under control I think and when I looked last it was $217 and some change. So I'm going to try to pay on that as well and then we have Barclays which is due on the 18th and we have been giving Barclays $100. I do plan to give them more throughout the month so we're going to put them down at $200 Citi Bank and Citi Bank I've been giving $40 we're going to bump them up to $50 they may get $100 this month but just to for right now we'll keep it at $50 we know Amazon comes in that's already been paid and that is $13.77 CMP $13.38 and that's already been paid Ulta that's already been paid and y'all the thing is I can't remember what I gave Ulta I think I gave them $32. I'll correct it when it's close out time or probably before close out time I have Victoria's Secrets listed down here it is the month of October I've already paid them so I'm going to give them $72 because I've already paid them like $32 so I think or $30 so I think I have $42 left so we'll just leave that as a total $72 and then Walmart I've paid Walmart and so far I've given Walmart $28 so I'm going to leave that and then we have Canva which is $13.77 as well Insta Inc now I have it down on the 20th but I believe it came out on the 15th and that is $20 it's like $19.99 but I just put $20 Apple like an Apple bill just came out it was $34 I have two $349 then I have a $2.99 so that's like $7.00 $2.00 and one is for storage and one is for and they broke up the $349 which is the Apple Care so Apple Care is $2.349 I don't know why they break it up like that but whatever we have booth grant and I think we're in another five week so it doesn't have a gate so if we're in five weeks for October that would be $1,000 then we have Wayfair which is due on the 25th and I'm actually trying to get this paid off before the interest kicks in on this and the interest kicks in on January 25th so I want to give them a hundred dollars this month okay then we have Shopify which is due normally on the 8th I'm not for sure what Shopify will be but I'm guesstimating 60 and it's generally from the month before and the flat fee is $29 and they charge me for um little small fees and shipping I can use another shipping site but I just do it all in one it's a little quicker and then I have community bank and I'm trying to give them 50 this month and then we have credit for it it's a very small credit card I shouldn't have got but anyway and I'm gonna try to give them 50 to get that down that's due on the 4th I actually just paid them but I can't remember what I paid them that's crazy okay so let's do a little calculation so we came at $2,627.18 let's write that down all right so we have our total here at $2,600 and $27.18 so now we're going to subtract that from the $3,700 that we're anticipating and that leaves us with $1,072.82 so we're just going to leave it at $172 we're going to move that $1,072 excuse me $1,072 up here and then for savings I've been trying to do $10 a week I didn't do $10 a week like transferred from my bank account plus I'll put an extra $10 a week so I'm just going to give this a 40 and this is I'm just going to put high yield which is my capital one for the month it's 40 and then I already have 30 in there so that'll be 70 okay and then syncing funds um I'm just going to start with um we already got the savings there emergency fund I'm just going to go ahead and miss these real quick and we'll come back and talk about them hey you all so we're back and for emergency fund um I'd like to have 100 in there this month uh both moves I don't know why I put this one down because um I'm rethinking some things on the business I'm starting so I'll just put 20 plus it took up space but anyway vacation this month oh my god I'm going to try to at least give vacation 200 dollars um taxes 50 I'm going to put 150 um business supplies 100 booth rent now I've had this envelope for a while but I want to include booth rent because um being that we're probably going on vacation in about three months sometime in December I want to be put a little bit aside a month so that way when that week comes it's already paid and then a week ahead I want 100 in there for the month let's do a total real quick so our total is 720 dollars and we're going to subtract that from this would leave one thousand and two dollars no shoot shoot shoot that'll leave one thousand thirty two dollars total is forty here one thousand thirty two okay so one thousand thirty two subtract seven hundred and twenty that leaves us with three hundred and twelve dollars so we need to distribute that now again I have to preface this by saying that I may and may not be a zero-based budgeter um I can do my best to zero base my budget but um I don't necessarily have to so because I'm self-employed and this my income fluctuates so um towards that I'm looking over here to see what extra I'm giving I know we're going to be giving about 200 dollars towards that Christmas uh 60 um let's see 60 120 we need to make this 100 I already know that and really Christmas gets 30 just was 120 um IRA 20 let me do that that's 220 to 40 and so let me just do a quick to zero base it out we have 240 that leaves me with 72 dollars I'm just going to put the 72 dollars here in self-care and so we should have three hundred and twelve dollars let's just add this up because it may be more so you know whatever so we have a total of three hundred and twelve dollars and I have zero based my budget out but like I said this fluctuates so if there's extra it will go to mainly probably to debt I didn't include I just realized I didn't include my miscellaneous which it happens so that'll be the little extra that I have it goes to miscellaneous I'm going to just make a note right here this is our monthly budget again we're anticipating a total of 3,700 amongst all these things again like I said when you'll see when I do my closeout that it really goes up a little bit like last month here was 3,500 and I anticipated like 3,200 or 3,000 so I like to stay on the lower end so again anything extra will be going towards debt um and what else and I also want to make sure that I pay T-Mobile on time this month because there another reason that my you know budget all over the place and again we'll be paying Victoria's secrets off so in the month of November we won't have a bill I've already given Victoria's secrets half of this so I'm going to go ahead and give them the other half I'm waiting on some things to come out of my bank account so that frees up some money for the first of the month next month I really want my first month to be nothing but uh subscriptions so let's pop this in and now what I generally do is just go to the month at a glance pretty much like this here and I go ahead and write in pretty much all the bills that I do and I don't know if that's something I want to see but I like to take the new pages not the new pages I like to take this section over here and put out my goals for the month any type of notes um first of all I'm gonna put down my goals for hair income wise I'd like to come in at 4,000 okay that would be excellent um Shopify I would like to come in at 600 that's a very low goal my goal really for Shopify is always in the thousands but I'm just going to keep it real Etsy I would love to come in at 600 as well storage there so I'll keep this short and simple and I'll just fill in these things later on my own but that is my goal for Etsy um I want to increase a little bit just a little bit not much um my nail clients um I just I just do this one and that's because she requests me but I'm gonna try to do better about promoting that I'm just gonna put a hundred for that okay birthdays this month I have three birthdays this month well really two um my dog Bentley's is the 14th and then we don't get anything but my husband's birthday is um the 17th my daughter's birthday is the 26th and something else is going on this month I can't remember um but right now like I said because the storage is a little low I'll go in and fill all this out off camera and I'll do like a month at a glance later but um this is it you guys so I hope you guys enjoyed today's video but again that is it for today's video if you have any questions do me a favor leave them down below our next video will be our September closeout then I'll be doing a setup of my budget planner and I'm going to get back to some more regular planning videos it's just I just haven't had the chance and I'm not really planning at the moment so that is all I have for you guys today if you enjoyed today's video and you would love to see more videos like this from me do me 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