 Well, hello my friends and welcome back to my channel. We are doing a budget for September 2018 So it's time. It's time to do a budget. Let's talk about me for a little while I know a lot of people gave this video suggested to them that don't normally watch my content So let's chat. Hi, my name is Emily. I am in my 30s. I am a single individual. I don't have kids I love decorative planning. I use real numbers when it comes to my outgo But I do not show income and I like to make my budgets look real pretty So if you're not into pretty planning, this might not be the video for you But you might be able to get something out of it I usually have the majority of the same bills every single month However, the months kind of fluctuate a little bit with other things that come up in the month So it's kind of fun to see some of the different things that happen throughout You know the 12 months of the year in my planner and in my life This is a erin kondren deluxe monthly planner that I use and I've actually had a lot of questions recently from the people that follow me pretty regularly as to What I'm gonna be using for 2019 and the question is I don't know so We'll see we'll see but the monthly deluxe planners look like this So they have the month here and then I actually use this It's like a little note page thing. I don't know. It's adhesive and it's like a little sticky note And if there's anything that's coming up in the month, I'll write it down on here This is gonna be a pretty basic month today because I don't have any like extra Expenditures coming out in September at all. So I'm not too worried about that. So on the right-hand side I do use this productivity page on this side. I never use this page People ask all the time Emily, what do you set page for and I say I don't use it for nothing Since September for me in my mind like back in the day is like a back-to-school kind of a thing I thought I would use this washi which is like pretty cute It's got a bunch of little crayons on there and it's kind of purple up here. So I figured well, let's Let's make it look cute kids. Let's make it look cute. So Again, I like decorative planning. It just makes it fun And also it really kind of helps me stick to my plan and my budget. I do enjoy paper planning I don't do any digital planning for the budget. I really feel like if I were married I would definitely utilize the every dollar app from Dave Ramsey. I'm a big Dave Ramsey fan I've been following the program for quite a while now and If y'all are curious, I am on baby step four five six So I've got a bunch of things here and I don't necessarily know what I'm gonna use yet But we're gonna find that out in just a moment Actually hold on I need I want like a little sticker or something like a like an event sticker All right, let me bust up my coffee break planner stickers here Let's see if they have I don't know. I want like a purple sticker. Here we go. Here's some purple stickers. Let's see if this will work Okay and I like how So these stickers are actually from Erin Condren and they have these nice ones that say budget on them so nicely so I don't have to write it down and then Can we just like center it and put it on my coffee break planner sticker and then my life is a whole lot easier, you know All right, so put that right there Looking cute. Okay, and then at the top I always put my bills and Erin Condren so nicely has these little bills stickers Which I like to put right about here. I'm not really concerned about color coordination today because This has like all the colors. So that's all right So let me list out all the bills and then I'll go over them for you All right, and down at the bottom. I always like to put a little pencil And put this right here Oh, and I should mention if you guys have made it this far that haven't watched my videos before I do have my own business So I do run some of my expenses out of my business I have been instructed by my tax professional to do that So please don't do that until you talk to a tax professional I feel like a broken record every month when I say that but it's true People take a lot of tax advice on the internet and you really shouldn't do that You should talk to a tax professional about your specific situation So anywhere here are all of my set bills that need to be paid this month and here we go So my mortgage is $464 and 42 cents and yes I live in Minnesota and if you guys want to know why my mortgage is so low I will link a little video up in the card for you and You can watch that and we talk all about my mortgage and all about saving and all that really fun stuff My HOA is a hundred and fifty eight dollars. My gas is a set bill at fifty five dollars My Colligan is a set bill at thirty one dollars and eighty five cents I do rent my water softener water heater. No water softener. Whatever that thing is anyway My home was built around 2002 2003 somewhere in there and the home has already gone through two of them. It's a city water issue So the previous homeowner had this Colligan deal already set up And I had the choice if I wanted to buy my own water softening system Or if I wanted to rent it and I just continue to rent it because it just makes more sense to me My electrical bill is gone up because it's summertime and it's been warmer outside. So last month I think I estimated eighty five dollars and it was actually like a hundred and fourteen So I'm gonna estimate around a hundred dollars this month My garbage is the same every month at seventeen eighty five. My water is always an estimate. It's like anywhere from you know fifty two to fifty six dollars, so I'm gonna go fifty five My auto insurance is always the same at eighty five forty two and my Netflix is always the same at eleven seventy five So let's get this totaled up and we will write down the number. All right, so my total expenses is nine seventy nine Twenty nine and then let's go in with all of the other bills or not bills, but all the other expenditures that I have So fuel I normally estimate around a hundred dollars I'm gonna bump that to two hundred this month and then I'm gonna like I need to do like a little bit more Estimation that category for like tracking purposes So I think come October I'll have like a good handle on my fuel usage and then I've got grocery money Whoa, I missed an R. This is why I don't talk and we're right at the same time. Yeah, whatever So I usually estimate about 250 or so. I'm gonna keep that the same at 250 And I've got my dining Money and last month I had it at a hundred dollars, but I think I'm gonna bump that down to 80 dollars this month I don't really have anything like specific that I'm gonna be dining out for but like for me And this is what works for me is my grocery money and my dining money are kind of interchangeable So if I have a bunch of dining money at the end of the month I can either roll that into next month or if I want to buy some more stuff at the grocery store Like I can just you know interchange that and that works for me I don't it doesn't always work for everybody and I totally understand that but you know it works for me And that's good. So These are things the fuel isn't something that I take out for cash envelopes But the grocery and the dining are and I will have a video on an update about cash envelopes If it's not up already it might already be up. I'm not sure. I pre-film so much stuff that I don't even remember Oh, I don't know. I don't know when it's gonna be up you guys. It'll be up soon ish. Yeah, soon ish That's a word, right? Okay, we're gonna go with it. All right We'll grab another pencil and we will put in the total on this one as well So this one will be $530 All right, so the monthly cost of my life is $1,509 in 29 cents you're probably right what month we're in, right? I'm gonna put like a little little savings pig over here, too. Cuz that's That's cute, right? Okay. Okay. Okay. So yeah, that is my current budget for September 2018 if y'all have any questions feel free to post them down below if you don't see something in my normal budget that you normally would see like Cell phone or Wi-Fi or any other little things like that. That is all rolled into the business like I said before If you guys have watched some old budget videos, you would have seen that in here anyways I will link my money talk playlist. I think it's this way I can't remember which way it is in a little card for you guys if you want to see any of my budgeting related videos All my things that I talk about finances and money and the Dave Ramsey plan and my financial journey and my financial story It's all in that playlist. So feel free to watch that if you would like but that's gonna be it for me today I hope you guys enjoyed the video if you guys have any suggestions on other budget related content or video ideas Or anything like that feel free to post them down below I'm always very curious as to what you guys want to see and content that I haven't already shared yet So thank you guys so much for hanging out with me for a little part of your day If you liked the video make sure to give it a thumbs up feel free to subscribe if you'd like hit the little red bell Notifications if you haven't done so already YouTube is supposed to be sending you an email when I upload And I don't always do that. They also have been starting to unsubscribe people too Which is like really frustrating and I've gotten lots of messages about it So make sure that the subscribe button if you want to be subscribed is not read if it's read that means you're unsubscribed So hit that if you want to see more content from me. So anyway, I'm gonna jet Thank you guys so much for hanging out with me for a little part of your day And I will see y'all in the next video. Bye guys. Well folks it's time to kick it old school