 Hey everyone and welcome to Nora's Cove. I'm Yoshida. Today you guys we will be doing our paycheck to paycheck I am a day late, but nonetheless, let's get it done. If that is something that you will be interested in stay tuned Okay, you guys let's get started on the paycheck to paycheck I want to make sure that I'm trying to go in the order so I don't get myself all confused So I definitely need to start a new page here. So I I may leave this out So I can look at my monthly and also I can see What's on? the Pretty much the monthly break down. So This week. Let's get it in here. This is the week. I believe three Let me double-check This is actually the second full week I'm gonna put third week and it is the 11th through the 17th So this week we have a couple of categories The sale of one two three four countless four lines So of course, we always start out with hair because that is my main source of income then we have Shopify and Then we have miscellaneous, which is Etsy Nails if I do Instacard, whatever I was gonna list nails because I got a couple of nails to do this week but some of them are like pro bonos just for me to kind of get Some pics out there if you I can't remember what video it was on They've been like that video or something like that I'll try to remember and listed above But I was saying that I needed to really promote the hair Excuse me the nails more. So this week. I'm projecting 750 I've been looking at what I make and it's coming in around eight every week Sometimes more sometimes less Shopify. It hasn't been that great I Did make a sale on Shopify this week, but I'm gonna give that 25 Miscellaneous I've done a set of nails this week. I did get paid for those and I have Etsy so I'm gonna put that at 200 that's including the nails Okay, so let's go into the bills that I do this week on the 11th. My car note was due And I do half and half and that's 181 63 they haven't taken that out Oh, also you guys I took from my vacation syncing funds to help with some of my bills and I want to say 300 of that Let me put syncing funds here We're gonna add that as income this time Okay and So again here we have the car note that is 181 63 and then I have capital one do on the 15th I'm trying not to write so hard because I probably need a steadier Arm for my camera and it's just my phone and this makes table shake. So I'm trying to do that Now the minimum amount is 25 I did give them a little extra. I can't remember when but we're gonna go for 40 with them this week Matter of fact, I'm just gonna go ahead and pay that today and then we have Citibank do one of the 17th and I pay Citibank and Barclays at the same time. So I'm gonna put Citibank And I think Citibank is around 40. We're gonna try to give them 50 and Barclays That's that big one. It's normally 84 dollars We're gonna give them a hundred And I think I gave them something extra. I can't remember. I can't keep up Lord It's just so many bills and I'm just trying to hit everybody with something extra So I'm gonna put a hundred if I give them more out. Definitely. It'll reflect in either my closeout or Next week So and also I'm gonna go ahead and pay them Early so that way this won't be pending. I found that this is my problem That the bills that I pay Like the 17th is the last day of the week if I pay that on the 17th It's really coming out the following week and then I'm stuck like oh my goodness I can't pay it then it's gonna end up coming out on the 20th Which would be another car note and then I'm struggling. So I'm finding that if I pay these things early, they'll come out so that way I'm actually Pay my bills on the week that they're due if that makes sense to you are you following me? Because I'm self-employed and try to make it some I'm trying to simplify it To make it understandable for those who aren't self-employed But because I'm self-employed the way I receive my money. I have this 300 right here pretty much a buffer We know this to come out. So what I'm gonna do these are due on the 17th Which is Saturday if I wait to Saturday to pay these these won't come out until the following week because it pens So it won't come out to like Wednesday, then that's really next week's Income you understand what I'm saying. So I'm gonna go ahead and pay those like today. So It pens for like two days. So that way they'll be actually coming out on the 17th It's almost like if you write a check and you know how that check takes two three days to clear And then you know, you'll have that money, you know what I'm talking about You have that money there, but it was two three days. So it's kind of the same So if I want these to come out this week, I need to pay those early So that's what I'm gonna do with those and that's really that I all that I have now I'm looking at next week my car loan is due on the 20th And I do need to leave a little buffer in there for that. So I'm gonna go over here to debt Do I That is that I'm just gonna leave I'm gonna put buffer here And I'm just gonna put that on the 17th as well And I'm just gonna put I'm gonna try to put like a hundred on that Let a hundred sit there because then by next week the money will be there to cover My car loan. I already know it'll be there. So maybe I'll just take that out. Let me just skip that all together Okay, so next up is booth rent, so I just took that buffer off putting booth around and That's due on Saturday and that is 200 as well. So now let's do some calculating We're gonna go back up here and calculate Income and that's 1275 and that of course that's only because Of that income that I pretty much paid myself for my savings So now let's go down and total up our bills and we have 571 dollars and 63 Now, I know it looks like I have a lot of money left, but I don't And this is good because again, we're guesstimating so as I've said in the past couple of my videos I really would love to be zero base budget. I Can zero base this all the way out throw money in places that you know, I would love to throw it at But I never really know if this number here Which is my main income is gonna be true or any of this actually is gonna be true But I do know that this right here the sinking funds I do know that that is in my bank account. It is still there and that I have that so I really went kind of low when that kind of low I want a little bit lower than my average that I've been averaging the past Month on a weekly basis here, but I think that's a pretty good number So but again, this could not be that so this 571 here Is a pretty good number as y'all can see some of my bills are getting less and less remember I was having eight and nine hundred dollars a week So I had to come up with eight and nine hundred dollars to pay bills So oh and then my husband's birthday. So see you got a couple of notes here. My husband's birthday is Sunday This is the time of year Where everybody's birthday everything is going on so it gets so busy for me And that was another reason of me kind of backing out of the vacation because this is that time of year I have my son's birthday. Then it's my husband's birthday dogs birthday He my daughter's birthday. Then it's my mother's birthday. Then is I don't really celebrate Halloween I know I really don't do Halloween, but if I wanted to buy Halloween candy, sometimes I do buy Halloween candy Then there's a Thanksgiving and there's Christmas and all Christmas parties, you know pre-covid So it's just a busy time of the year for me. So this you know It just wasn't a good time. So anyway, we have hubby's hubby's birthday My daughter's birthday is the following week so I'll put her down then my family we're doing a Bolan on Sunday, which is actually my husband's birthday Sunday Bolan, so let me put that down and I do want to take a Husband out to a really nice restaurant for his birthday. So right now. I'm gonna leave this here If there's anything extra, I want to throw it dead. I want to throw an extra hundred dollars At debt and that means I'll just disperse this amongst anything, you know, or whatever and then here on sinking funds We got to give to Christmas So if there's anything extra Christmas would get it and I want to give Christmas at least 80 and And then down here cash envelopes, which will be gifts I'm looking to spend about 120 on dinner with my husband and then Miscellaneous Spending in the cash envelopes. We normally go like I said, we're going to go to this bowling with the family We don't do we pay? Yeah, we know the last time we didn't have to pay Unpaid, but I'm just want to anticipate paying. So I'm gonna put 50 here matter of fact, this needs to be more because My usual miscellaneous spending And when I add that up by tracking my Spending I noticed I'm spending roughly 70 to 80 dollars. So if we add that plus The 50 I'm just gonna round it out at about 140 Okay, let's hope we have enough And if it does not Zero base out, I'm cool with that. So let's take 12 75 And then we're gonna take off the cents on this and we're gonna subtract 571 that leaves us with 704 and then we're gonna subtract 100 Which is our debt and then we're going to subtract 80 for Christmas That leaves us with 524 and then we're going to subtract this equals up to 260 and That leaves us with 264 dollars to play with so Like I said, so if this doesn't come in exactly 750 I still have this small little buffer here to play with and then remember I Erased it, but I was talking about my car note that would get me ahead. So I'm gonna throw We could hit some money If that's some left and I would give them 64 So then we'll subtract The 64 and that leaves us with 200 so again as much as I want to be a zero base Budgeter, I just got to be real with myself and I got to be real with y'all. It's just probably not possible I'm not basically a zero base budget. I'm not zero base in my budget out. I can do it on paper Clearly I can appear if these numbers were correct, but they're just not correct all the time I have to go off of pretty much a Base paid so and not an actual pay if it was actual pay I can do a base my budget out But it's not so and then you have to incur for things that this may happen That's what I want to do this week ahead. I definitely want to get into my buffer So like if there's anything left I'll throw at my sink in funds which is a Emergency fund excuse me. So that is that you guys that is my paycheck to paycheck weekly check in Should be Okay, and I hope the camera didn't shake too much this time I tried even out because last time I was like girl that camera was just going for it so that is it if you enjoy today's video and You would love to see more content like this for me. 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