 Well, hello friends of the internet and welcome back to my channel. Sorry for the like line of Direct sunlight right here. Um, it's been a weird day Like there's definitely cloud cover right now, but it keeps going like in and out. So whatever I mean, it's the weekend. I only have a limited time to film these videos. So We're gonna get to it. So anyways, um, I will link my Money play list up in a card for you guys if you are interested We're gonna do my monthly budget for August. I can't believe it's like already like coming into August now That's kind of amazing. Anyway, um for the planner that I use they get a lot of questions about it There is a link below to like how I set this up. This is like what I call a Franken planner There are two planners in one so I use the EC life planner in the hourly layout I have the pages for the monthly views that are the colorful and then for my weekly layout I actually Just did this week here. It's in the neutral. So there's no color on this whatsoever Hold on. I'll go to a blank week because you can kind of see it a little bit better But like right here You can kind of see that there's no color on it whatsoever So it just allows me a little bit more Creativity so anyway, but this is how I set up my monthly budget and I am a decorative planner I am a single person. My name is Emily. Um, but yeah, and I really like the binder option From Aaron Condren just because I can take the pages out really easily like this. So Also, just a side note I do clearly like to decorate in my planner And so this washi here is from Simply Gilded the link will be down below the links gonna be down below for all of the Things that I am using today Also this cute little scallop, which is this but in a bigger version is also from coffee break planner And then this cute little sticker that says monthly budget is from Lulu's daisies and co so let's get into the budget I'm gonna push this little book I off to the side and We're just gonna work on this page. All right, I'm gonna zoom you guys in just a little bit here so we can kind of get the party started and Yeah, just go from there So, let's see here. What do we do in this month? So as some of you know that I've watched my videos before Basically, my bills stay very similar. I don't have any debt. I'm paying off. I don't have like a debt snowball I do follow the Dave Ramsey plan, but I am debt-free besides my mortgage and I just I live a very simple life Financially, so I know that some of you really love these videos and that's why I do them But they do look very similar from month to month and I do have a little sticky note on here Sometime in August. I don't know when this is happening, but go Wild which is an annual planner conference That wild for planners puts on I believe in August or at least there was an announcement Several months ago saying in August the hotel rooms were opening up They're gonna open up the block of hotel rooms in August So I am going with my friend Ryan from a man with the plans I'm gonna link his channel down below for you guys you guys should check him out He does planning and he does like awesome financial videos If you guys are looking for somebody else to watch as well because there's room for everybody And we all have a different take on stuff But I'm not sure how we're doing the room blocking if he's just gonna use his debit card or I'm gonna use my debit card And block the room or like if there's actual money involved right away because the actual conference isn't happening until June of 2021 so That could be something financially. I'll have to put into this budget like maybe if they I don't take a hundred bucks Or I mean I have no idea so that's just kind of like this little posty jobber right here So anyway, let's get into me actually writing down everything and then I'll go into everything I'll just speed this footage up like I normally do and There's a few extra things this month that I will talk about as well So future Emily play some music and speed this thing up I wanted to just go over all of the categories and just talk about them really quickly I know a lot of people that watch the channel already know about these things, but let's get into it So here are by just these are like my fixed expenses. That's what I like to put up here So my fixed expenses are just bills that I know I have that aren't really gonna change They might vary just slightly But these are like actual bills coming in that I need to pay every single month or annually or quarterly or whatever so First off is my mortgage, which is $455 and 21 cents. I get questions every single budget I'm gonna link a video up in a card for you guys, and I will also link it down below It's gonna be my mortgage details I did pay half down on my house, and that's why I have such a tiny mortgage and Yes, I'm working the baby steps. However, I am not contributing more to my mortgage as of right now I'm doing baby step 4 which is contributing at 15% of my income into retirement Which I also have a video about so I'm gonna link that and put it down below I got a lot of videos you guys so I'm just not there yet But I will be there at some point and I know Dave Ramsey says to do four five and six simultaneously I don't have children so I don't have a baby step five which is contributing to kids college that ain't happening my 13 year old dog is not gonna go to college. So I don't have to really worry about that one But yeah, I've got other things I'm focusing on at the moment Which I'll go to get which I will get into in just a second because there's other things down here for that my HOA Which is a homeowners association if you're not familiar with the homeowners Association At least for mine personally they are they all kind of differ, but mine takes care of the exterior Of my home so they do like the lawn maintenance Snow removal they do like rural enforcement things like that and they also I believe in sure my roof If I remember right so they do a lot of different things They also you know enforce all the rules and regulations and things like that so it's 158 a month Which is actually not too bad considering my area most of the HOA's that I looked into We're way more than that. So anyway Auto insurance is the same at $56 and 21 cents culligan I do have a water softening unit that I rent every month and then culligan actually comes out I think it's twice a year and does like an inspection on it make sure everything is good to go I have really bad water in my area. So it's $33 and 12 cents and then my electric this is an estimate my electric is ticking up just because it's been really hot and I anticipate it being around a hundred and ten dollars this upcoming month So that's kind of an estimate my trash and recycling is the same every month at $16 and 20 cents My gas is $33. That's just kind of a fixed Rate gas goes up in the winter just because you're using more heat But my gas company you can opt in to do a program that just basically divides your bill by like 12 months or how much You know gas you've used in the previous 12 months and then it'll adjust it accordingly So anyway every once in a while my gas is a little bit different might might be like $36 or like 29 or something like that. It's usually at the very end of the year that that happens Anyway, so my water is also an estimate at $59 So I pay like a water and sewer bills from my city and then Netflix is $4 and 1 cent So I get a total of $934 and 75 cents for all my like fixed things So here's the things that I can kind of flex on a little bit So I have my grocery money, which is usually about $300 a month again. I am single I have like some new meal prep plans and things like that that I am working on For some my stomach issues and reflux issues that I've had So I actually will have a grocery haul video. I think coming out next week For you guys with some links to recipes that I am trying out like per my Dietitians request. So anyway this upcoming month. I do have a couple of different Like social things. So my dining slash takeout budget. It's about $140 $60 for fuel. That's basically two fillups Which is totally fine right now because I'm really not using Fuel in the way that I did, you know, seven months ago just because of the pandemic and I'm just not going into the office any longer But I do go out go food shopping go do other things I do meet with small groups of people Every once in a great while when I'm feeling comfortable. So anyway, that's a total of $500 So the total of these two amounts, which I already know is gonna be $1,434.75 and I wrote plus tile plus hotel. So let's get into the bottom here So I put a little house sticker and a little like luggage sticker So if you guys are aware if you follow me on Instagram, you will know this because I update on Instagram quite a bit But I have been in the middle of doing a kitchen remodel project, which has been Overwhelming to say the least but it's it's been really good. So I'm painting. I actually I painted my upper cabinets already So I'm painted the lowers. I just need to find some motivation and time However last month if you guys remember if you watched my video from last month I actually got quartz countertops installed So that was really exciting and I already paid that off within the month of July So it's very exciting to do things with cash. It's just very a very freeing feeling But anyways, so now I'm on to the next step, which is picking out some backsplash tile So that is actually gonna be happening in the month of August. I'll probably be paying for it in August But I probably won't be actually having anyone install it until I would say September or October I'm really not sure. I do need to have an electrician come in and also Do some stuff with the electrical outlets before I have a Tyler come in and put new tile up And I also have to remove the tile too So I need to talk to the Tyler about that about how to safely remove it from the drywall Or if they can do it and like just costs and stuff like that so anyway, that's a whole nother situation, but I think I'll be able to just pay for the Actual products like the tile and grout and just have them at my house So then once I am ready to have them installed that I can just hire a Tyler for their labor That being said, so that's another expense, but I have zero idea of how much it's gonna be early in the month of August I am planning a day to go out and Go to a few different places and look at tile options and hopefully be able to pick out something that day and then Get that ordered. Hopefully fingers crossed that day as well Also, like I said before the go wild hotel deposit. I'm not sure what that's going to be However, if Ryan has decided to put it on his card and they charge him something I would like to make sure that I meet, you know him halfway with that So say if they you know require a hundred dollar deposit I want to make sure that I like Venmo or PayPal him like $50 just to make sure that like My half is covered and then at the very end of us going out to go wild in Anaheim, California in June of next year Then we'll like settle up everything as well because then you know his card or my card won't get charged For everything until we actually, you know use the services at the hotel if that makes sense So anyways, I kind of have a few things that are just kind of open this month, which is weird I don't think I've ever had that before that is what my budget for August 2020 looks like I hope you guys enjoyed the video if you did make sure to give it a thumbs up Feel free to subscribe Hit the little bell notification so you know when I upload videos And I hope you got some value out of this video as well I hope you all are having a wonderful day, and I will talk to you all in the next video Bye y'all. Well folks, it's time to kick it old school