 Hey friends and welcome back to Norris Cove. I'm Yoshida and you know what day it is. You know what time it is today's Monday So on Mondays we make intentions for the week for our budget And we time money where to go for the week or paycheck to paycheck and weekly check in for me So if that is something that you will be interested in stay tuned Okay, you guys let's hop right on in Let's get down to business. Hopefully this week we'll stay in the positive Last week ended up being a pretty good week So this is our paycheck to paycheck Weekly daily what I'm excuse me weekly insert. You can find these on my website if you are interested They come front to back. They are printables. I have planted some for some It's just kind of expensive and hard to do for me But if you're interested, well, you know, just hit me a message and we'll work something out But here was last week. So last week We were in a negative by $97.93. We ended up making 1020 for the week, but Stuff still didn't get paid Y'all, I'm just glad, you know, I have some folks to come along with the journey with me So let's take that out. Let me get to my month as well. I Added some new tabs. I'm gonna fill these out and I may show you guys how I Set up my budget planner because it's just really nearly right now, but I plan to get it together So we're in the last week of September But we got a lot of stuff coming up and then I like to pull out my everyday planner Because it has my finances in here as well Because I need it on the go. I noticed I wasn't something I didn't notice you guys was I wasn't updating this And I was behind because I wasn't looking at, you know, what was going on. So I have that here I got some new pens. I'm gonna test out. This is a burgundy. So it's like a red I'm gonna start with that one. Let's use this one Okay, so we are week five and it is Going to be for September the 27th through October the 3rd Hmm, I don't know how I'm liking this one. Maybe for some try something else I have a bunch of pens here. I've been trying but I'm a creature of habit I think I'm gonna use this one Okay, so if you're new here, my sources of income are my hairstylist Full-time self-employed or kind of part-time self-employee. I also do nails. I have an Etsy shop and my own website So but the nails I only do I don't have one client at the moment but I'm not really Promoting it per se So we use Shopify hair and then I've been putting miscellaneous and that's just for anything But they also includes Etsy. So for hair, I'm gonna bump it up a little bit you guys Because I notice when I do bump it up I tend to either make right along the lines of that amount or more when I go low I'm like kind of doubling or tripling. So Um I'm gonna do So scary 8 20 We'll see how that goes for Shopify. Um, I had a sale today Um, I don't know. We'll see so I'm gonna put Shopify at 50 and Etsy at 50 And so we should have $920 And this way, um For those of you that are new welcome Again, I'm self-employed all across the board. So I have to kind of Guess to meet my income and I just go off of projections of what it's been looking like And so it's been looking pretty decent here lately. Um, it's still to me low income I have a lot of bills and also you guys I want to start I don't know if you guys would be interested, but I want to make A like debt payoff plan. So I don't know if I was going to do it off camera But if that's something I'll be interested in let me know, um, I like to write things out And kind of get out of my head of my idea of how to pay that debt off because I'm realizing that I have a lot of debt and the debt is what's causing me to kind of be in the negative in the weeks With credit cards and just unnecessary credit cards, honestly and things like that. So pay that stuff down And it's free myself You know, someone say well, you know what should pay credit cards off your credit rate will drop I'm okay with that because my credit rate has risen because I've paid down some of the debt But I'm not interested in purchasing anything right now. So I'm okay with the dipping and just having maybe one or two um, main credit cards, of course my card know things like that. So But I mainly have a loan that I want to get rid of and one big major credit card Um, that has a lot of interest on it. So that's what I really want to work on. So this week, um Gather together. So today is the 27th car insurance is due today My car insurance though. Sometimes they're a little Leaked like they don't come out on the same day And we have T-Mobile, which is due on the 29th And that is $220 and 71 My cloth and paper comes out $38 That's just a stationary subscription that I'm just Not willing to get rid of at the moment. I mean if fish come to shove Um, I'll get rid of at the beginning of the pandemic. I was going to cancel it and then they released something I said, oh nope. Nope. Nope. I'll just have to figure it out and a way was made So okay amazon Comes out on the second and what else Ulta, so these are my first of the month bills that I'm just like Over they're like these are the unnecessary credit cards you guys to be honest. I have Ulta, which I should have never gotten that card, but Whatever a community Bank and that one is I think 40 So I want to be ahead of like having all these paid off soon and most of these are small Okay, and then I have Victoria's secrets. So I looked my balance is like 72. I can pay them off um I'm trying to decide whether to go ahead and pay them off or to Just pay half and then when I get some extra money pay another half So I think I'm going to give them 40 as well And then when extra money comes I'll pay them completely off so that way next month I won't have this bill And then we have our booth rent And for those who don't know I rent a space to for me to run my business and it cost me 200 a week um On a five week. It's a thousand dollars a month on four weeks. It's 800 a month So that's 200 Okay, let's add up Okay, so 795 81 is what we have as a total 795 81 So I've been trying to give at least ten dollars a week like transfer ten dollars a week to my savings Um, that has been working. So I'm going to I think I did last week. I'm definitely going to put savings here because ten dollars is not going to kill me And let me put the balance between the two So leasing with 124 19 and then 124 19 subtract 10 That leaves me with 130 Oh shoot, hold on 114 dollars and 19 cents Now also something else I realize you guys is I don't think that I'm a zero-based budgeter I can zero my budget out to look good on paper But honestly, I don't think I'm a zero-based budgeter, but I do try that's all I'm gonna give you That's my disclaimer. I'm gonna give you is that I do try to zero based my budget out So again, we have 114 dollars now and 19 cents. I'll go over and check it um business supplies We're going to give 10 Let's go and subtract that self care because self care did not Get anything less A couple of weeks because I had to take from it. Um, let me move this total here for and then There is something I got savings. Oh emergency fund Give that 20 Okay, I have 64 19 left. I want to give 40 dollars to debt Now these do change depends on what is actually left, but these are my intentions for the money and This will go to um Barclays Because I'm trying to pay this down And then I'll have 20 Let me see the strike 40 24 dollars and 18 what's that 19 cent left We're going to put that towards Victoria secrets So let me do a balance of that a 64 19 Okay, so let's take the 9 20 And subtract it from the 7 95 81 And at least just 124 19 And then we're going to subtract the 64 19 That leaves us with 60 dollars And then that's exactly what this is 10 20 40 60 So I have zero based my budget out. So with my extra and that sounds about right This hundred and 24 dollars and 19 cent sounds about right. Y'all excuse my dog if you're here embarking But if you notice when I have my tip money left my tips have been coming in around about 100 105 110 so at least we know with the tip money we can put Some money towards that we can put some towards savings. Uh, this will probably automatically I'm gonna put that a For me to transfer. Let me put a T as well Um, I'll automatically transfer that $10 and then that still leaves us if we take that away That leaves us with like 114 dollars that I usually have left in tips and I just um Go ahead and add those to the envelope. So we're looking pretty good. Um, I did move car insurance over here from last week Because I didn't pay it. I didn't put the money inside Oh and the notes my son's birthday is today I've gotten him a card. I wanted to give him some money. Um, I think I'm gonna just do a little small amount So right now there will be nothing in cash envelopes as it has been here lately. Um, because I'm just trying to get a system going and especially the important things to me, which is my savings My business and uh self-care is like extra and my emergency fund If there's anything left, I will do the 100 envelope and I'll do the one in five Also, I'm thinking about for the one in five like now I have some ones and some fives in my wallet It's doing it during the week I was doing this before and this was really working for me It's like during during the week of putting ones and fives up and then on saturday or friday whenever I did my cash Stuffing I would just take them out and just for you guys and then do it that way And I was saving more that way because now when I get to the end of the week, it's only one five Or a couple of ones. So I think I'm gonna go back to doing that. So This is this we'll just put this here Until I make a section for paycheck to paycheck and that's all I have for you guys this week Um, again, we're anticipating 2920 dollars this week We are we have 795 dollars in bills. This is like my first of the month every month. So I'm hoping again to get victoria's secrets out the way that would definitely help Next up would probably be ulta and again if you would like to see me map out my debt Payment repayment plan. Uh, let me know because I'm ready to work on it right now Because I gotta figure out something. It's kind of keeping me up at night. Um, having this much money to, you know, go out At one time I'm gonna try to get these things down my car insurance. It includes my life insurance So that's not gonna probably go down. If anything, it'll probably go up I do want to get to the point where I can pay this every six months But right now I'm just trying to get those little credit cards out the way Um, so that way to free up a little bit more money And then that way I can add to, um, paying more envelopes of paying, you know, this stuff every six months Um, put t-mobile on autopay It'll be cheaper because a lot of this of my t-mobile is late payments because I just don't have it So that's why my t-mobile is always So expensive and I want to pay off her phone. I think but she has jump So I don't think I can pay off her phone. Um, I'm gonna look into that. So that's my kind of Thought process with my bills at the moment So if you're new and you want to kind of see how this all plays out because trust me, I want to see myself I really want to see how this goes myself. Just let me know again. If you want a video on my debt Repayment process of what I plan to do. Just let me know and I will film that for you guys I'm going to try to do like a rough draft and outline for myself And I would love to include you guys if you would love to see it. Um, also, I need to set up this planner This is my budget planner and I've just put some temporary tabs here as you can see So I want to finally get this organized And get it the way it's supposed to do so. So well, maybe they would be interested in that as well But um, I appreciate you all for subscribing. I appreciate you all for stopping by As always if you have any questions, just leave them for me in the comment section below Do me a favor If this is your first time here and you this is your first video of mine that you've ever seen and you enjoy today's video Do me a favor hit that thumbs up. Leave me a comment below say hey I'm new Also, hit that subscribe button and come back for more and I'd love to see you and welcome you to the cove And guess what I will see you guys in my next video. Bye