 Hey friends and welcome to my channel. I am Yoshira and this is Norris Cove. You guys I just had a little makeup on so ignore that. Anyway, you guys we got to close out October's budget So I'm gonna pull out my Aron kindran Deluxe here petite excuse me my Aron kindran petite You guys I did a little intro today I'm excited. I'm I'm y'all. I'm back on the ball with my budgeting Again, if you're new here I'm Yoshida. This is Norris Cove. I budget in like three four different places. It helps keep me accountable I am a hairstylist and my my income is very inconsistent at times But that's why I have to plan and budget in several different places You know because it just works for me. That's what works for me. So let's go into Where should we budget I normally budget with y'all in my deluxe, but I've been really Enjoying budgeting in my Aron kindran. Let's see Let me show y'all with the month and they like so today is Thursday the 31st Right here. It's Halloween. Oh, I miss a little Halloween sticker So this is what all has gotten done. I Guestimated my income. Let me just take this out You all let me know what you prefer to see me use. I like this, but I also like This is like stays at home. This is on the go. Let me flip to And here's our November overview. Have you watched the November budget video? You should we're doing a giveaway But I'm not gonna keep egging y'all So I got it here So I'm just gonna basically Compare so let's just go ahead and close it out Let me get out some pins here when you get out some white out Do I need My markers I like to like if I pay something a color code. So let me Pull that out. I don't know what this one is that y'all excuse me I'm supposed to be prepared. I'm just gonna use this because I don't think that's the right one Okay, so I like to color wipe out whatever I paid. So finally paid insurance. My insurance was actually 28 Oh, it's slow down. You see that 1804 Let me just wipe this I Don't know why my Insurance went down, but I'm ever so thankful because I was paying to I had gotten up to 230 Three or 230. Yeah, 230 So we're just gonna close through that I didn't pay loan number one which is to my hubby y'all I was going out of town I Got a little something extra Just paid the cell phone bill And I'm still behind but I got a trick for that. I'm gonna discuss with you guys I just paid my cell phone bill today. I paid car insurance, which is normally the last thing I paid I wanted to give my hubby. I have him down here is girl. I wanted to give him an extra $200 because Also, if you're new to my channel or if you've never caught on or understood how I budget My husband pays the majority of the bills. I pretty much pay what I have to pay I do try and contribute to the household We kind of split the groceries, but he basically takes care of the majority of it And I just pay what I have to pay we decide every household is different I will that's my disclaimer at one point I paid the mortgage when we had a other house before I got really really bad and debt and all that bad good stuff My husband paid the mortgage. I mean I paid the mortgage. He paid the utilities that worked for us so once my business kind of Sky-dived he we moved we got another house. He pays everything and that was to allow me to get on my feet Well, I'm getting on my feet and so I'm sure it's stressful. I'm not gonna go into this long thing But I try not to put that much stress on him So I try to contribute when I can but I will be a liar if I said I don't enjoy Like having my money to myself, but I do again contribute when I can and I wanted to my goal was to get to the point where I could least give him half on the mortgage You know what I'm saying or at least $800 a month. That's mortgage and maybe a bill. So he did give me the Water bill and the gas bill and our ADT bill but I just haven't been able to do it because I got some tax mess going on and I Got some tax mess going on. So Here we are. So let's close out this budget. So that's just a little disclaimer for everyone who's new now I'm gonna show you guys something real quick Because I'm self-employed. So this is the end of the month for me these past two days. I was off I was in Atlanta Until Wednesday, I came back to work on Wednesday and that's something new that I'm gonna start doing is When I'm going out of town try to plan ahead. That's something that I currently don't do. That's why I like to watch Other budgeting videos. So even though I don't get a salary It gives me ideas. So Wednesday was my first day back to work and I made Let me find the Y'all this video may be long, but it's okay. We're gonna get through it So I'm gonna use some boxes here just to put in a total. So Normally what I started doing was I used to edit the whole week and that would just end out my October But I realized that wasn't right because For me being self-employed October ends on the 31st. So I need to end my budget there. So on Wednesday I made but I keep it here in my micro mini all see I have to I have to So Wednesday, it was 264 Also, I've been saving my tips. That's something that's another whole video That's another whole video. We'll get in that with the weekly check-ins. We're going back to weekly check-ins So today is the 31st. I'll put another little box here. I like to use these for totals um Today Thursday, it was a light day. I only did two people but I got 235 dollars So when you add these two together, I think it came out to like 499 My book is a little busted here y'all, but just don't mind it. So for those two days to end out the week In 235 Yep, 499. So basically my total ending Let me go about another little thing here. This just works for me. This just works for me 499 so now we got 499 and then when I add in last week's total Yeah, I gotta go. Let me look in here. I see if it's here last week Should have been 1163 and it actually was 1100. Oh You know what I forgot to add in I had an Etsy payment this week a 45 dollars and 72 cents Plus Poshmark they hit this week. I put them down as last week Which was 24? Oh Shoot plus Hold on 499 plus 24 plus 45 72 it's 568. So I basically made 568 72 those items I was talking about the Poshmark and the Etsy they were made last week, but they didn't hit till Monday and Tuesday so Me matter of fact, let me get some more of those stickers here Poshmark came on Monday For $24 and I probably could just write it in and then Etsy 45 72 and that was like my highest sale. I know I know some people like girl. That's it Yeah, yeah, but I was excited Etsy 45 72 so Let's see what we have for the month So we have 568 I am confused Hold on because it was one of these I Tell you what I can go into next week. See that's why I have to have my budget like in All these different places because I've be able if I don't have it one place I have it another so last week was 1000 and I didn't include Etsy make sure I make sure I didn't include Etsy and all that good stuff. Okay. Yeah, so 1163 dollars week ending October the 18th 19th here was 1000 82 24 Plus 1000 for zero plus and then that first week was six 77 so we made forty five hundred and thirty dollars and ninety six cents, so I'm gonna hit go ahead and put This down. I need another sticker. I know y'all like girl. Yeah I need another sticker Because I'm gonna have two totals Here So ending on For the month I'm just gonna stick it here. I'm just gonna put October here four five three zero point ninety six because basically Friday the first and the second goes to November's budget. Does that make any sense? I hope it does Okay, so I have forty five thirty dollars and ninety six cents now What I like to do is just kind of cross reference and make sure that all the numbers is adding up So here I have six seventy seven. I got seven dollars from Etsy. Then we're gonna do an online income 25 38 so actually I need to add twenty five dollars to this and thirty eight cent because I didn't do that and then here I Need to add eleven No, it's there. It's there. See had a cross reference five ninety here One thousand one. Oh, so I did have that there. Okay now I said I guesstimated eight hundred for this week, but I was thinking of the total so it was only four 99 I'm sorry guys. So it's four ninety nine. So I'm running in both four ninety nine and then with Etsy I made forty five Like this out forty five dollars and seventy two cents So And it was five sixty eight so here this should be I'm writing in here y'all four thousand five hundred fifty six dollars and thirty four cents. That's because I forgot some Etsy money And I think I forgot no didn't forget it and then over here I'm gonna put posh This posh mark. I didn't really anticipate anything something. I've had on there for a while. So I got twenty four dollars Make sure I got the right amount here So y'all this is just basically how I budget being self-employed I'm telling you it's kind of nerve-wracking because you got to have all your you can't forget Oh, yeah, I did spend twenty five cent helping some girls with some girl scout cookies I don't know, you know, you cannot forget nothing five sixty eight Five sixty eight seventy two. So this is considered pretty much the fifth week in October So let's get a total Again, let's make sure the totals add up six eight point nine plus Thousand eighty two twenty four plus one thousand Six five point thirty eight plus Six seventy seven now, I don't know why but always the first of the month is a little slow So I got four thousand five hundred see here it says sixty two right here. I had fifty five see five sixty two Thirty So now what I like to do I guess I can keep that open. I go back to here. It says income Poshmark, I had guessed it made it zero. I guess it made it sixty From and see this is my half month mark. Oh, I'm sorry you guys. This is my half month mark So I ended up making twenty four dollars for the month from posh Can you guys see There we go and Then Let me go check out my Etsy real quick. Oh for the month of October. I made eighty seven dollars and Sixty-five cent I'm gonna go back and do my own math. I Estimated making Now this is I think that's with the fees and everything taken out I believe Hair my main source of income, which is hair. So here Halfway through the month. I had made two thousand seven hundred and eighty one dollars I thought I might have been a little bit over that but anyway not thinking that I was going to be out of work for a couple of Days which those days were kind of my off days anyway, so I ended up making the four thousand five hundred Sixty-two dollars and thirty cent. Oh That went from here shoot. So that's why we getting confused. I got us a track That's with everything. Oh my goodness. Let me go back You know, I'm sorry now. I got to go back. So if my Etsy is right So I'm just going to calculate here at this point is six seventy. That's hair plus Ten forty plus Ten seventy one plus $1,163 plus 499 so it was four thousand four hundred So our numbers should match up. Let's hope they do and if they don't this Doesn't include fees Four thousand four hundred and forty-three dollars zero cents So let's add this eighty seven sixty five Forty-five thirty and then we have posh Twenty-four so that's about right plus twenty-four. Yes. Here is our total four thousand five hundred and fifty four dollars and Sixty-five cent and the reason is off by like a dollar or so from what I accumulated because in I got a refund back. I forgot. I got a refund back like of three dollars From I bought an extra meal and I didn't need it. So this is what I made for the month of October four thousand Five hundred and fifty four dollars. Let's see what got paid So y'all I already know I'm missing some money. Don't ask me where it is. I don't never know Yeah, it's amazing how I started in this book, but I ended up in my deluxe So we just gonna stay in the deluxe. Let's just stand the deluxe because I think it's big enough for you all to see Let me get my little I Think this is the right one So car shows end up being one eighty eight forty This is not the right one We did finish the sale bill out. I just paid them Two-day on the 31st loan number one. It was a no It was a negative. I didn't do that loan number one though. Luckily it's to my husband. So I don't Get a late fee and under that and I think he just was Leaven on me and gifted me not to pay this time. So That was it Let me go down here make sure everything was correct. So if this is correct minus a hundred We I'm a double check because y'all I notice like when I go back and do my Videos I'm looking at me budgeting. I'm just like missing some numbers and I'm like nobody court that see how I just thought I put in 181 and I actually only put in 81 60. So And I don't catch it till the video. So I'll be off. So I got to pay attention So that's 181 60 in my car notice basic 363 20 car insurance, so we save some money there That was 188 40 where it used to be 230, I don't know what's happened I've had my car in this insurance for a year next month. So maybe I don't know I Gave city bank $30 I will be upping them next month Capital one it says I gave them 50 and I actually gave them Extra 33 dollars cuz I ended up so it ended up being 88 Let me add this 33 Apple Affleck they got their 30 Schedulacy 20 The gym they got in the month of October 39 99 oh Look at 39 99 plus 1999 for me Go daddy, I'm gonna be canceling that soon because I know it's five dollars But I can use that somewhere else my sale bill today. I paid 291 I think 57 they added a pay-over-the-phone fee of eight dollars plus I got a late fee I'm gonna try to take care of that my booth rent I pay my last one. So I basically pay 840 Yeah, so and then because this new booth won't be for the month of November Wayfair, I think I gave them 40 dollars or 66. I gave them 66 because I paid them off and Then I didn't do simply gilded I'm just gonna wipe them clean out So I know next month not to even look at that because I don't have them anymore and Loan number two. I did pay them and I actually paid them more. I paid extra on my loan But I can't remember I think I paid Somebody got an extra 42. I think I gave them an extra 42 dollars Somebody got 42. So it don't matter and Then Victoria's secrets. I have done here 65. I can't I think I I might have given them 65 Got to remember it's checked off though. So I ended up paying 2,100 2,198 dollars and 13 cent I do buy groceries. I do Buy gas. I don't include that in these are just the main things that I need Y'all I got makeup on my hands. Excuse me. These are the main things that I need to live, you know, of course I need groceries, but Again, my husband takes care of that health insurance all that good stuff I just make sure that I can drive. I can pay my own car and life insurance And all these other little things I can afford to do. So now I'm going into my petite to like double balance. This just works for me I mean may not work for everybody This may be too much for some other people, but this is just what works for me Because that keeps me accountable So I have to go back and look at my income So for here It ended up being $4,443 so I knew my income had grew a little bit in the hair department Etsy, I guess to made it 150, but I ended up making 87 65 and 24 from posh I'm just gonna put posh here and the total ended up being $4,554 and 65 I did do cash envelopes This is a whole thing in itself with me and cash envelopes So what I've decided to do is save my tips and then Possibly go back and put those in cash envelopes if that makes sense Because a lot of times when you get in paid every day You realize oh, I need some toilet paper or I need some soap or any deodorant Personal items and you just get them because you have the cash on hand. So a Lot of times it's too late for me when it comes to The cash envelopes I've already done it. Okay, so I gotta figure out a new system that works best for me in that So right now I have come to the conclusion that saving my tips it works Let me save my tips and then I'll divide them up Maybe like at the end of the month see how many tips, you know My tips add up for the week and then at the end of the month a certain portion mainly a majority of it We'll go to savings and then a certain portion to maybe cash envelopes to start being on to the next month So I definitely will start that in November. Okay, so looking here oh And see on here. I forgot to buddy. So see here to buddy state taxes in this budget So there's that extra hundred is floating around y'all This is why I have to budget in more than one place because when I'm out and about and I have this with me And I something comes to mind. Oh, yeah, I don't stay taxes. You understand. I'm saying so that wasn't in This budget, so I'm going. Yeah, that's looking pretty good. So see now. I have to add it here I'm telling y'all. That's why I have to double and triple Check because and that's how I forgot my why this not how I forgot how I kind of forgot Victoria's secrets See Victoria's secrets is not nowhere on here. Oh, yes. This is right there. I Forgot Victoria's secrets and that's how I got that late fee. So I gotta have it in every Possible place in order for me to stick to it and being accountable to you guys. So We have basically closed out the month of Let me double cross check over here We did 499 Posh We did I wasn't expecting anything we did 24 and Then Etsy So I tried something different. I thought I was mid 25 and 45 72 and then what was our total? I Tried something different of like checking in mid week And I think I got that from E. Michelle and I kind of like mid month and I kind of like that 568 72 and I kind of like that check it in mid month and putting it where actual goes and then Finishing out the month and putting it to plus or minus. So I did kind of like that because they kind of Show me why need to slow down and spending because I did a lot of spending when I got there and realized I had nothing really to show For this 2000 something dollars. I was like So that works for me That's why I like watching other bit budgeting videos because you can pick up something that you may not be doing And by me being self-employed, it's very very hard to save. It's very very hard to like sometimes Come up with a budget because you're getting that money on an everyday basis. So if you are not self-employed Be a little easier on the people who are self-employed and they're kind of bloody money because sometimes they just have not developed a Budget plan for their money. I'm getting it. I'm 40 plus and I'm just now getting it. So You take some people on another's So this is November So October's closed out and we made a whopping 4550 You'll see the world is going on chair and I do not like white out like that like I don't like to keep writing over it 4550 $54 and 65 cent This is what I made So I like to do When you subtract that from that Like these are all my expenses And I didn't even I did save 200 but I ended up using that So hold on So this is pretty much what I really spent. I'm gonna add an extra hundred because it was something I forgot that state taxes. Okay, and then you subtract that from the 4554 dollars and 65 cent Where is this? Where is this 2256 thousand 52 cent now? Yes. Okay. I bought some miscellaneous stuff. I bought grocery I spend about a hundred dollars on household stuff. I love plug-ins. I Quoted caught catch up cut off this time. So yeah, but I didn't spend $2,000 worth of that on that stuff So that's why I like to close out my budget because y'all Now I did go out of town with some of this but that was part of my savings Which is about a hundred or two hundred dollars. So I still need to find this money So we're gonna find this money in the room is budget. We're gonna keep a close eye on Where our money is going? I have some new strategies for my budget Something I realized as I pack up. I'm gonna talk to you guys something that I realize in my budgeting Is that I spent a lot of money on how to eat I'm not even gonna lie So a lot of that is out to you guys. I can't even say him front And I'm not gonna rely to you So I realized I got a ring in my eating out Number two is that cell phone bill that cell phone bill is just I just don't understand It's ridiculous. So what I realized with my cell phone bill me and my daughter both have watches We both have cell phones her phone is I think it's about to be paid off. So what I'm gonna do is pay off this little extra stuff on my cell bill so that I can get that down and The eating out I've kind of cut back a lot on my eating out But I have not gonna say a lot. I just started kind of like The past so we could so just cutting back on my eating out you guys That's it. We've closed out October I hope you guys enjoyed this video and it also gave you a little more insight of how I budget being self-employed I think I've done a budget series on for the self-employed and I thought that would help a lot out But I think I should have reworded it and so I'm not gonna do another series But I'm gonna do another budget video on inconsistent income I think that's great for entrepreneurs and I believe that we have a lot of Millennials who are entrepreneurs and they Don't know how to manage that Inconsistent money. So I would love to help you out. So thank you guys so much for watching and I will see you in my next video