 Hello. Hello. Hello. Um, welcome or welcome to Norris Cove. I'm Yoshida. You guys, we're going to hop right on end today. I'll be closing out my August budget and I'm taking you guys along with me. I normally kind of don't share this process because I feel like my process is a little different than what others do, but I'm going to just break it down for you how me being self-employed, how I do mine, I am going to add something a little different. Um, this is how I used to budget. I still have this budget sheet. It is in my financial bunny dough that I have on my website and it's just listing your expenses without a date, um, your income and all of that great stuff. So what I normally do, I think I don't think I've ever done a budget closeout. I don't know. I got a look and see, but, um, how I do it, let me explain the process. I'm going to try my best not to be long-winded. I'm going to try my best not to get sad track, okay? I'm going to focus. But what I do is put the actuals to things. That's how I do it. That's my budget closeout. And then I add up and then I look at, okay, because what happens when I do the actuals, it gives me a roundabout, especially being self-employed. I knew my dog was going to do this. I knew he was going to open this door when I got to talking because he thinks I'm talking to somebody else. Hold on. Y'all, I apologize for that small introduction, but anyway, so I like to put the actuals. So we're going to hop on in, but today I was saying I'm doing something a little different. I'm going to use some highlighters. And what I'm highlighting is pretty much my income right now. I do highlight my expenses during the regular, I guess, but I haven't been up with that. I'm not even going to lie. So we're going to give hair this one here. Okay, put that over here. It doesn't matter. We have more room over here. So for this brown one, it's going to be hair. For this green one, it's going to be Shopify. And then for this one here, it's going to be miscellaneous. This is like a orange red. And the reason I'm doing this now with the highlighter is because I mean, I can easily go in here and put actual and, you know, whatever, but I like to know and I can see it. So that way I'll have a brighter view of where my money is coming from. Now, if you're new here, miscellaneous is if I do nails now, Instacart, I sold something online or even just out of my home, anything, just something small. I may have gotten a debit card or whatever you call that gift card or something like that. And I use it to purchase something or maybe later on went towards me paying a bill or a cash envelope or something like that. So that's what we'll do. I estimated 3,500 projected 3,500 for the month of August. I'm going to compare the two. And as you can see here, when my budget breakdown, I said 2,500 and then miscellaneous 12. So now I went through my income my weeks. As you can see, I did a little dividend breakdown and over here, like the extra money that I made. And then y'all, I thought I was done with my income and then I wasn't. So really, we had 1610 and miscellaneous and shop if I ended up, this is not even right. It ended up being like, did I write it down? I think this is it 6,649.88 because another something came in and then 54, I made 5477 plus a cash tip through Instacart. Now these are with tips included, but then that $10 cash. So that makes that 6477. I did not add that to the miscellaneous. So let me add that plus 6477 or is that with the income? They know it's not because that was later on after I had did that. And then it should total up to roughly around this 5,000 here. And then I have 2928 and then I made an extra $30. Let me go back. I think that's worth the 30 included. It may not be. I'm gonna add that 30. So it's 2958. So 2958. Okay. So three of my incomes. These are just a wrap of things that I've like I said, sold online, different income coming in. Maybe hubby gave me some extra money or whatever. That's that miscellaneous. And a lot of times I just don't list it as income. I always put miscellaneous. I just feel like it's like maybe not necessarily nobody's business, but it just comes. So anyway, and like one month I got like $600 in random checks. Like obviously I was a part of a lawsuit or something where people were suing somebody or for something and I got my money. Didn't even know it. So I'm going to add those up 2958. So that was $5,282 and 65 cents. So when I made an income last month, I put a little period here but that is not supposed to be there. So if we look at it, the most of my income comes from me doing hair. And if you all can see, I rounded September out at 3000 because that's just about where we're hitting hair on the low end would probably be 2000 on the high end. It's about three. I remember on the high end of being 5000 and I just wasn't doing right with my money. Shopify this month was like a and kind of month and I looked at my analytics for y'all. I look at numbers all day, believe it or not. I looked at my analytics for Shopify and the reason this number is as high as it is is because I did a pen really a pen pouch release and even those who may have bought pen pouches, they may have came some people just came in for the pen pouch. Some people came in to look at the pen pouch and then they bought something else along with the pen pouch. Some people just saw I posted it. Oh, hey, let me go check her out and they may have bought something else, but no pen pouch. So I want to do a video on starting an Etsy Shopify shop because one lesson that I learned doing that is that you don't need 20 items to release something to bring people to your shop. You just need one to two good items that release only release two things and that was the bulk of this money. Okay. And miscellaneous like I said that was 1610 plus 6477. I should get a total. I'm just kind of breaking down my process. Like I said, I know others do it differently. So 1674 77. Yeah, I know a lot of people do it differently, but I wanted to highlight my income. So now the process. So I'll go over here to here and see what have the actual we actually made $2958 and then Shopify made estimated 500 and actually made 6498 and then miscellaneous. I said 1200 and actually I made 610 1674 because I'm tired of white out y'all. And then my total here is $5282 and 65. So I normally don't show this process. But like I said, I wanted to, this is how I close up my budget. And this is what I want to do. So then I go in and I look at my actual of what I paid. I'm sorry. It's like I got like a big tongue. I'm always I don't need to do it. So I can use this and see here. I'm going to put in the actual amount. Like I said, I never saw instant income out. I'm sure it came out. I just don't know where. So I'll go in and look at this. And you can see this is really what I go by. So this is 363 20, which is my card notes. So I'll go in and do that. I know that got paid and that was accurate. Now with T mobile is a little tricky. I have $400 down in both places. I think I paid a little bit more than 400. I'm going to put it at like 426. Okay, because here. So that's what I'll go back on do. Sorry about that. Let me see T mobile. I'll just go back and do that. And then I'll add that it was plus 26. And then Barclays, I put, as you can see, I did the math there. I only spent 84 where I said I was going to do 200. And let me just highlight that. And then pretty much I just add all of these things up to get my actual of what I spent out. And I think I already did this, but I'm going to go through, add these up, do the corrections and I'll come back. Okay, as you can see 25 7945 is what I actually ended up paying. And then here I put it was 24 04.27. So I paid out more and I just need to see why. Like I said, I kind of know the reason why for some of it is that first of all, it's the cell phone bill for me. That cell phone bill, I probably ended up well, I know I paid an extra more than what I thought I would. And then I might have left Shopify empty, not sure, but I believe that I feel this in later. So Shopify, which is pretty good because sometimes I could go up to $200 depends on what kind of month that the shop has. So that is what we was another highlighter. I'm going to use the gray. No, I think I'm gonna use pink. So these were my expenses. Now what I want to start doing is calculating up what I truly put into these envelopes. I haven't been keeping accurate on my envelopes of like what I'm taking and putting out. I need to start keeping up on that. So next month, I'm going to try to do a better job September. And then that way I can compare what I've put into syncing funds and what I've put into cash envelopes. I'm mainly concerned about my income. That's my into the month closeout process. It's being concerned that these numbers here. This is how I base my income. This is how I can tell a credit or whoever if I want to go by a car and they say, Well, how much do you make a month? I can tell I make $5,282 a month where I may go somewhere depends and I may say I want to be on the low end. I make $3,000 a month. Okay. So that's why I close out my budget. That's how I like to look and see where my money came from this month. Then I look at to where it went out. So if I made $5,282 and these were my expenses. Yeah, yeah, and these were my expenses. So let's attract that from $5,282. So $270 and no, excuse me, $2,000. Yeah, girl, get excuse me. Oh my God, $2,703 and 20 cents. I don't know what it's going for me. I just woke up from a nap. So maybe that's it. I had a little pre-k nap. So maybe that's just it. But anyway, $2,703 and 20 cents is what I had left over. And here I said I was going to do 1930 and then 480. Let's add it up. Let's add that up. Let's just add it up. Like your feet up. What? This don't even make sense. This can't be $900. Well, yeah, we had the house. Well, anyway, I'm not even going to add that up because that doesn't make sense. Like that doesn't even add up to 1930. And y'all just saw my budget. How I screwed my September budget up. I'm not even going to do that. But like here I got 4,000. It was going to be $4,814.47 with my expenses and my sinking funds and cash envelopes. I don't think that happened. But like I said, going forward now, I'll always do this. Again, this is how I close out my budget. It's really just the expenses for me. I like to keep track of that every month so that I can kind of base next month off of it. So like September, I can tell you guys, okay, in September, matter of fact, let's take a look at September. I didn't mean to be a long one today. But let's just take a look. So we can see and guess to me. Again, when you're self employed, like a lot of people say, Well, how do you know what you're going to afford? And this is my process been my process for a very, very long time. So this was August. I like to kind of put my stuff where it go. I'm gonna stop right here for right now. So here is September right here. And I still didn't fix that. I caught the mistake you guys. For those of you who watched that video, I caught the mistake as I was watching the video. So for September, see, I moved hair up to $3,000. Shopify, I bumped to 500 last month. Where did we have it? We had it at four? No, we had, yeah, we had it at 500. Last month, miscellaneous, I said 12. This month, I put my miscellaneous at 200. But again, that can always change. So we'll do next month with this month's close out next time. And you guys can see I like I said, I couldn't bump that up. And I know that's going to be more. But again, my miscellaneous income is like now it's the card my husband gives me money or whatever. And then I just turn that into income. But I don't include that into my hair. I don't include that into the Shopify. I even put my nail when I do nails, I put that income into miscellaneous because any day I may quit, okay? And any day, I may stop doing nails. I may be like, I don't want to do this no more. And I don't. And that's just how I roll with the nail income. Because I really just enjoy doing mine. It's just therapeutic for me. I don't know. And I do my daughter's when she comes home, I do hers. But other than that, I just really I like my space. I just don't want to, you know, sometimes I like to hoard the product. So I may quit doing nails at any time. But it is great money. When I did it last month, it was merely for me to go on vacation with it was not for pleasure of you know, for me to play with or pay bills with. But that is my August closeout. If you have any questions concerning my process or something that you didn't understand because I would love to explain it to you if you don't. Like I said, I'm self employed. Mine is a little different because I don't get a paycheck. And like I said, my main concern for me is my income. Because like I said, in order for me to qualify for something even alone like today, I did a credit card. I had to make a payment on a credit card and they said I needed to update my income. And I bumped it up unknowingly, but I bumped it up to 5500 but as you can see we were close. And so I updated my income because what happens like if I needed to get extended credit, they can extend me credit now because of my increased income because before I may have that at 4000 now don't make 4000. So you see how that works for me. But again, I know mine is different from other people's like I said, next month will be a total different process. I'll be trying to do pay more attention. But I like the way I close out my budget. Like I said, it just works for me. And again, if you have any more questions, let me know. Sorry for the ramble. But if you're new here and you enjoy today's video and you would love to see more from me, your girl, your shita, let me know. I would love to have you and welcome you to the code. So do me a favor, hit that subscribe button. Also hit that notification bell, and I'll see you in my next video.