 Hey friends and welcome to my channel. I'm Yoshida and this is Norris Cove. You guys I Apologize I have not done a budget video since December I believe um So much has been going on Let me just catch you up just a little bit and we're gonna jump right into the budget my brother had ALS He just recently passed and a couple days after he passed a good close Friend of mine from school friend passed away It's just been a whirlwind Okay, and I've just got back in town maybe a couple of days ago And I've been running to before he passed I was running to North Carolina Which is like five hours from me to check on him and spend those last couple of days with him So I didn't have a lot of time budgeting and all that really kind of wasn't on my mind But I have been you know kind of trying to stick to my budget and implement some things that I'd like to do in the coming year I had some budget things set up for you guys that I wanted to show you and we're gonna cover majority of those things here Today, but that is what's been going on then I was sick like for the second time in three months I've had like a sign you I this situation going on so now I'm on Anybody for I have one more day on my antibiotics and cough serve and the cough serve just puts me down like down sleep So that's why I'm not showing my face today because I look a wreck, but without further ado, let's get into this March budget now Another disclaimer you guys I have not this is my budget book that I started the year off with and As you can see this is February nothing. I just decorated it. That was it January did we do any budgeting? Let's see a Little but I didn't check it as you can see here. I never came back and verified that all this was what was what I Kind of didn't March and I had to kind of update my stickers and I saw where that was all and you guys This is what it came out to be. I thought March was really pretty But I wasn't doing my budget in here I was not checking it. I was over the stickers and I Just didn't do anything. So I did more of my budgeting in my personal planner and Because this is what I carry with me every day. I just wasn't going in that planner my Eric Hodran so this is where everything is This is her the meat potatoes all that great stuff and I just like being able to have my budget Or me at all times like I can keep up with My credit cards account. This is a insert this in my shop Here's another insert this in my shop and this is my weekly check-in all my this is my whole Budget and finance section here here are my daily totals for work My spending trackers this was really really helpful for me I'll get into that later Color-coding my budget so that's something new that I'm doing on my bills. I try to set the V Budget thing. It's not working for me. I'm actually I need to take that out I tried it is I that's why I developed my own budgeting things because I don't get a paycheck So I need things that work for me So um, that's why I have my own that the only thing that works for me is the spending tracker by a peanut player code But that's what that's what it is. So Let me find what we need to do to get started. I just put it in here Okay, so this works what works for me is this is an insert from peanuts playing a co And it just says monthly bills is very simple to the point date details amount Did you pay it or you didn't and I color code if I paid it and this was January This was February and I decided to add some extra things that I wanted to include which are my syncing funds I cash envelopes things of that sort. So let's get into Doing March and up here it says month so we're gonna Do that I'm gonna take a few extra pieces and see what else I need also how I've been budgeting and it is working is going to my monthly overview And this is as you can see I've kind of filled some things in let me zoom you in So here's where I put down what bills are due. I've been trying to like not Do too much if I want to do it with you guys. So everything isn't included. Let me try to slide this out And then I'll just put some slits in it So really these are kind of the two main things I need to do a monthly budget Is my monthly My monthly bills and then you guys if you follow me on Instagram, you know, I have this little pouch This is where a lot of my color coding things go my markers page flags Things of that sort some washy tape I think I'm gonna use that one and then I have my little pouch here with stickers So I'm gonna see if I have my little budget stickers In here So this is pretty much what I use these are from the happy planner I only have these out for like case any for travel or something like that and I think I have a travel day in March I'm not sure. So I'm just gonna set that to the side I have my Elaine Michelle studios her Payment things here. I use those even though I don't really pay like a water bill Not a student loan get I'm gonna start paying on my daughter student loan probably next year But my car payment I mainly use it for that and for like health insurance I think one here one of these insurances car insurance I use that and then these are from the planner spot and I'll use those So the first thing we have on the 11th is the cardio is due So And I like to go ahead and just put the card notes that are due And I have another one on the 20th and then I have a personal loan do that day So I'm gonna put this little One here now I have some stickers similar to these But I like the way these are so I think this is something that I may add to my shop Maybe of course nothing like it, but just something similar. I have some and I may be bringing those back This day I have Jim to buddy Barclays and Citibank all do one One day, so I'm gonna use this do button. What I also was doing was using With My little dots I know I have a whole lot of whole lot of whole lot going on in here Let me find these dots and I need to bring these to the shop I made those for myself to like Know when a bill was due so I still may you know Use those I may use one for a flat Your budget doesn't have to be this complicated. I don't think this is complicated for me, but it just works for me and Actually, these were on my old Transparent paper so and I just again have to make it simple for me I'm not your I don't get paid like normal people. I get paid cash daily So I have to make it work for me and put it in a form that Works for me. I don't know how many self-employed people I have that follow me but If you're self-employed or you receive tips things like that. I am here to help is as much as possible I don't think that one's thick So I have to do what works for me So this is what we have and then I know I have car insurance do this day So I'm going to put another diet down and then I'll put These dots just kind of bring my eye I know that if I see this black dot, then I have something do as you can see I have I decided to do a little color coding. So I highlight appointments in a pink Mal liner to remind me that that's an appointment I Decided to go ahead and get the cloth and paper Subscription so that's something new to my budget and I need to add that also I decided to finally I've been using Y'all excuse my broke nail, but I knew I had to get this video out for you guys I decided to pay do Canva. So I'm thinking Canva is going to come out I did like two weeks ago. That's up. I'm not sure Tomorrow is the seventh. I'm not sure. I'm just going to put a do sticker here And this will be like for a reminder for me to um if I did about two weeks ago I'm gonna put it on the 10th. I'm just gonna put Canva That way I know it's coming out But I already have a buffer in my account and um, I've been enjoying that buffer there It's been there for about a month and a half and I'm loving it because now things are coming through like today Schedulacy came out, but I already knew that was coming out. So that was there, but my buffer is still there So let's see. We have car insurance, XM radio, GoDaddy And capital one gem We have Canva, that's what's new Um, all these things have been paid Amazon Schedulacy Wayfair and Lane Bryant So I'm going to take Going through my planner And I'm hoping this is it makes sense to me But I'm just hoping that it's not too frustrating for you guys. Okay. I'm just gonna take this out from last month We're gonna pop these back in No, let's leave these And because my planner is so crowded, I'm really thinking about um Taking out January and February But I like to follow up and see like what you know came out when Because what I'll do like if something comes out on the day I'm kind of not expecting it. I'll go ahead and write it in or if I paid something ahead of time I'll just go ahead and write it in. This is the way, um, February came out I didn't do a whole lot of deco. Um, this one, I know I was getting Etsy paydays I didn't include my Etsy paydays in March because um, I'm kind of Re-vamping something. So I didn't know I'm not going to get a paycheck. So I'm good with that So I just didn't want to junk it up for no reason. So this is what March is looking like Um, let me put this amount in here Should be 218 Some change Okay, so tell the side and so now I come over to My new expense, which will be March And I always like to say that these are my fixed Expenses So I always kind of start off with my car notes So 311 car note Number one and that's 181 60 we have state farm 218 Wayfair During the second that's already paid And I should have just won and paid it off the last time. Um See here I have the match that I'm not for sure about So I'm going to what I owe them. Let me go to the actual Go ahead and put lane brand since I'm already at that insert And I'll show you what I mean by the lane Bryant insert So here's the lane brand insert. Um on my budget tracker. This insert is from peanuts planner co um And as you can see I put I did the minimum payment of 35 dollars on two two And actually I pay I need to do this again because I did A payment it was like two 26 And I think I did another minimum payment For some reason. I don't think I did and then I'll do the math Later on that So I'm gonna put 35 here Because that's what I paid and Wayfair I think I did 50 I might have 40. I think I did 40. So I'm gonna put 40 I don't owe victoria secrets anymore. I paid them off. Um schedule. Let's see. He just came out It comes out. Oh, it was today today is the six 20 dollars amazon On 34 that already came out capital to one I actually kind of put some money. I just throw cap on money on my capital one because um remember me telling you guys that the um The bank is across the street from my job. Well finally when I ride through there, um It's a little empty and now I'm not as scared to just stop and just throw money in there So now I just throw money in there. Um The gem is nice right now, but I just put 20 to buddy, which I haven't been using because I've been using my um Mac pro to upload my videos and um I need to add it to that so I haven't been using to buddy um 318 I think I need to just sign in with it from there. Maybe that makes sense Barclays This barclays bill. I definitely need to give a hundred two um, it's just really irritating because I don't know when I set it up. I set up something where like alert me if I go Too close to my limit or whatever and every time I use the egg on card It alerts me and it makes me just nervous. Maybe feel like I'm over the account, you know over my limit, which I know I'm not um Me on my loan. I really want to pay off. You know, um, maybe federal credit me alone. I only owe 400 dollars left um That's doing my 20th, but I really want to just kind of cut that in half I have a t-mobile dude on 12 Y'all excuse my dog um, I've kind of made some arrangements with, um t-mobile And I'm trying to figure out how to get this bill down because my bill is almost I guess like the 20th My bill is almost 300 dollars a month. So I was watching ema shell. I think on instagram and um She was talking about taking, you know, certain things off and I did and I want to um I took some things off and I'm gonna see how this bill is gonna go after I pay this off and then I'm gonna pay off some things that We had so I have xm radio at six dollars and six cents and city bank Now I have $50 for them, but I did a promotion where If you pay off the first thing I boarded with um, which was my laser printer Within six months at zero percent interest You know, you get that zero percent interest after that I don't have to pay for it and it ended up being like almost two 80 something And even though I've been giving them 150 50, I don't I guess the interest is eating it up I don't know, but um, I want to just pay one lump sum of 283 So I'm gonna leave that empty just to see what um I actually give them and that's due on the 17th So I'm gonna really try to pay that whole thing off and I may go in the store and pay that So I'm just gonna leave that blank for right now And then my other categories here I have oh Well, I have hubby My main goal you guys of budgeting is to see where my money was going. This is something I never shared Um, but some of you have kind of picked up on it My husband has been paying the bills all of the bills for probably the last 10 years I when my business took a dive and I had to start from scratch he took over We had to walk away from my house that I was paying way too much mortgage on $2,500 a month But I could afford it at the time that I got it And so we kind of downsized but not really because we kind of got The same house because we were in that upside down market We kind of got the same house in a different location for half the price So he pays all the bills I just pay what I have like a condo car insurance and things like that and um, so My main goal was to be able to at least give him half of what our mortgage is and um My husband's very good with money. He's much better than I am And we were in a house maybe three years and he decided to refinance something Oh, we about to get some upgrades. He was like, no, Yoshida I want this to be if something was to happen to me I wanted it to be enough where you should be able to afford it And so our mortgage went from like 1700 down to like 1100 and we just refinanced at a Lower rate and plus what we had already paid off. And so I want to at least be able to give him at least 700 half You know, and I understand that everybody wants their household different But I want to at least be able to contribute more. So I'm taking over groceries So he's no longer going to be contributing to groceries, but to work my way up. I have 200 I like to give him towards some bills and things and he's given me some bills to hear pay the water bill Which isn't that much or whatever, but I just forget and then again My daughter, she's not his but he treats her as his she's in college So a lot of my money goes to her and he even helps me send money to her in college So, you know, I can't beggars can be choices. So I just definitely want to be able to help More and in my savings. I want to have at least 200 And to me, these things are feasible along with my You know, daily budget And my sinking funds I need I know I got a calculator here. So man um My sinking funds are 300 and we'll go with those later and my cash envelopes I'm like They say 300 but um, I think my sinking funds Need to be like two let me get two I'll go back and do that way but the cash envelopes I'm definitely about $300 um This gem fee is just sitting here empty as you can see I'm still add that because it's coming. I just don't know when but it's that buffers in my account Waiting for it. So this is what I had Last month. I'm just going to subtract. Um, I'm actually not I was going to subtract a hundred From it, but I'm going to leave it the same for one. I don't have my calculator Everything should be the same. So it's $2,775 and 15 cent I'll we do the math once I get off but this is my budget for the month and I take this with me. This is what Um keeps me accountable I don't know how to explain it. Um It's just what I need to keep me accountable so this was I like to keep this as reference. This was my January and February budget So now I go into My little pouch here Gray means bills. Okay That means that's what came out So already Schedulosity has come out So I marked that through amazon has come out Um, I've already paid I just a lane Bryant. Yeah, I've already paid lane Bryant in the way fair And it's fun for me to do this because I like to see um Like what bill I have left like I just marked off Two buddy, I think The last one that comes out normally which is um state form or two, but those are the last two And like once those are gone. I'm like I've paid everything so I just like to see it all grayed out here. I didn't give hubby 200 We had to go out of town for my brother's funeral. Um, I did manage to put a little bit towards saving, but it wasn't 250 And um sinking funds. I didn't do anything towards sinking funds and that was another thing you guys. Um My cash envelopes I've been having cash left over, but I've been going back and forth out of town So gas has been eating it up. So I've been wanting to film my cash envelopes junior with you guys Um, I'm not for sure if I'll be able to do one tomorrow, which is saturday because um, this has been a slow week for me I've been off pretty much all week. Today was my first day working so only work two days this week So all that I'll probably just go towards my booth right, but um, yeah, that's it Let's see anything else I paid To the gym did the gym come out? No, the gym hasn't come out yet So that's that so this is my march budget. I hope it was easy to follow I'm sure as I get more used to um Budgeting this type of way that you all can understand. I've been doing it Since january budgeting this way really to be honest with you, but um, I hope I'll get a little more At ease with showing you guys how I budget this way and I'll have more, you know things to show you Um, also while we're talking about it, let me show you my sinking funds how I've kind of Done those So you all know what my sinking funds are I mean, I love budgeting this way you guys because um It's just plain, you know for me to see um, here's my debt snowball Which I'm gonna probably go to avalanche Eventually, but um, I did pay off some things um, let's see So here are my cash envelopes and my sinking funds. So grocery. Um, I'm looking to do about 50 a week um Maybe a little more I might need to raise that by gas which is about 40 dollars a week I've been doing that before my cash envelopes. I've been paying cash for my gas Which has been really working for me Um miscellaneous is about 100 products. Um for work is about 75 Um, my sinking funds are my car maintenance Which is 25 y'all skews, but I'm still a little congested. Um dental Medical is 20 savings about 20 to 50 dollars a week Vegas is 50 to 75 That's spending money and planning a better mean It's 50 to 75. I want to be able to pay for planning better me by april And then christmas is 25 dollars a week. I kind of need to move this up here to My budget Yeah, these sets of these as you can see, I need to just take them out. They're just taking on space Um, they're not working for me. Um, maybe at a later date. I kept them in there so I could just kind of Um I need that one Why That's my color key But they're not working and I maybe need to just sit down and look at them and Figure them out, but they're just not really working for me My the way that I budget works best for me this plane here that works for me. So yeah Oh, yeah, and then here's my sinking funds and um cash envelopes with the insert from my shop. So Let me put that there But thank you guys so much for watching. Um, I do have some goals That I want to complete and I had this leftover from a kit. So I'll be Including this somewhere and um, we'll talk more about budgeting. I'm still gonna be doing budgeting. That's still my focus It's just not in a decorative form anymore. Um, I've taken all of my stickers out as far as Budget stickers. I no longer have budget stickers But I have the budget inserts in my shop and I know some people really liked that. I had some repeat customers, but It was becoming a headache Not necessarily a headache. Let me say that it wasn't necessarily a headache. Um I'm a slight perfectionist and um Sometimes those cut lines are just not there. They're just not right And it's hard for me to tell one may be right. I'm like, okay good. This is a go And so I may get it and say, oh my thing was off and to rehab to Resend that it costs. So this is something inserts you can download Okay, and it's just simpler for me and I like it that way Um, I don't have any issues with people who have downloaded my inserts so far. I have not had any issues So, um, that works better for me as far as budgeting. Um, I'll do the stickers I will have some deco sheets because I'm doing more minimal planning now. Um, I'll have more minimal planning items Let me show you some things that I've created We have these these are great for budgeting because you can just stick them on a date And check off if there's a bill that's due. This is the smaller one I do have these in my shop And I had one more thing And I'm doing these now, but I'm trying to change the color and um, so there are other options that you can Find in my shop for your budgeting needs. Um, I just again would not be doing the um By the stickers and they weren't selling um That well it'd be some but not like plenty So it just it was it was costing me more paper and I threw away more paper Than anything so Sorry, this has been so long, but I just kind of wanted to update you guys On what's been going on So that is March bucket Thank you all again so much for watching and stopping by if you're new to my channel Please hit that subscribe button also hit that notification bell come back for more budgeting More minimal planning weekly check-ins all that great stuff. I'd love to have you. I'll talk to you soon. Bye