 Hey everyone and welcome to Norris Cove if this is your first time here on Yoshida and today we're getting into our monthly budget. So let's start right in. If you're new here I'm using a half letter disc bound for my budget. This agenda here is from cloth and paper. My discs are from Levenger and I created you guys my own monthly calendar because I realized that with um when I ordered you know during the holiday season like Friday I didn't get a monthly for my half letter which I really needed it. So I got it for my A6 and I got it for my A5 but I didn't get it for half letter so I just created me a monthly calendar. It's not for sale at the moment in my shop. It is just for me but my monthly budget inserts are available in my shop. The link will be listed below. I'm deciding on which pen to use. I was using this one earlier and this is in my shop as well and I like this one so I'll go with this. Also here I have some stickers on the side of which I'll probably be using throughout my process here. These are new ones in my shop. They are available now. I have some other new items some new icon stickers. I have script here by Scripps by LNC and these aren't in yet but they'll be coming so let's dive in. Let's go ahead and start listing out. Matter of fact let me go back to December. I don't know if I did a I don't think I did a January budget. I didn't so I'm going to pull out of December to see what all we have here. I'm going to add the month so here's the thing with the income projected. I don't know you know a little shifty here also that'll be included so we just really don't know. Hey you guys so what I decided to do was it was kind of hard for me to explain about my income and I just didn't want to disclose too too much about my income at the moment right now so I decided to cover this up. In editing I realized that I may have disclosed this a little too much. It wasn't making sense of how I was explaining it so I wanted to just kind of cover it up at the moment. I'll go into details in my future videos also. I will from here on out probably just list the bills and not the income so I just wanted to let you know what I was doing with that. Car note number two so my whole car note I already know it's going to be 36320 car insurance with the state farm. The past two months it's been two or nine. I don't know if they're giving me a discount on you know because of COVID but then my life insurance is normally included and that I think is like due matter of fact the first so let me put state farm life insurance normally it is included and I think it's $62 but for some reason I think annually is separate. Let's see what else do we have. I do have a Shopify bill but I never know with the bill. I know that it's based $29 depending on my shipping like last month it was like $111 so I'm going to put it at about 120 okay and Barclays is a credit card. The minimum is like 39 or 30. I try to do 50 to keep it down and then try not to use it. City Bank same. I try to give all of my credit cards 50 and then stay off of them. Wayfair 50. So we have $856.72 left. We want to zero balance this out but again I'm going to leave a little bit of a cushion because my income is not predictable so I have gas and these are weekly things. So I'm just going to add this up miscellaneous. I don't know why I have $40 down here for business. I'm going to go ahead and make that a whole because I just spent about 200. I'm going to just put 150 and then I want to put 10 towards the car so we have 290. Hold on something's not right. Let me see. I'm going to do 40 for gas because this gas has lasted me a month so let's do that. Miscellaneous would be about 300 to be honest products for the salon. I just spent about 75 so that lasts me for a month so I'll put 75 and then business supplies I'm going to put 150 and then I want to put another 30 and I'm just jotting this down savings and my goal for savings is very small at the moment but I at least want to have 100. So that leaves me with 705 and take that away from 856.72 that leaves me with 151.72 so that is a good cushion I think because in case I do make what I'm anticipating making I have a little cushion a little left in case another expense comes into play I do send my daughter money so well she's away to college so that definitely will some of that will definitely go and just in case I don't make that I can still add to these other things zero my budget out consistently I just try to leave a little cushion I try to um I don't know I put these back I try to leave a little cushion and um if something I see is not going to get paid my husband has been helping me so if I see something's not going to get paid I just go ahead and try to eliminate something else that does not need to you know that I don't need so now we have the monthly view so you all I'm a really bright proud of myself because I created this calendar so I'm going to try to create one for me for the rest of the month the only thing is I don't think let me see you know this one is off the lines but you know it works for me it's just for me so let's get into what needs to be paid I'm going to use some of my stickers I'm going to definitely use my do stickers I have these that I just created for myself which is some highlighted scripts I think they'll fit perfect and they'll indicate paydays for me t-mobile we have amazon amazon is 1299 I need to make me some amazon stickers I'm gonna do the t-mobile and I know that it's past due I already know the amount it's like to something so I'm just going to grab this past due sticker because it doesn't matter because it's going to stay past due until I get the buddy and then what will happen is I'll end up paying it on Wednesday because it's supposed to come out on Tuesday but it's not going to be there um depends on the payday from Monday from Shopify it may be there so let's just pray let's see what else let's oh we have um cloth and paper so I thought I I know I held off on a subscription I think it might have been this month so I think I may just be getting one I'm not for sure so I'm just gonna go ahead and put $76 for cloth and paper for this month but next month they won't get that because I'm gonna go to one let's see what else do we have to pay car note they messed up my car note they took out one they took out two extra car notes so I'm supposed to be they refunded me my money but I'm supposed to be getting um an extra payment back so let's hope that I do and the man on the phone he was like well you're caught up for the um for February don't you want to stay caught up I said I can't afford to stay caught up I need my money so there's car notes let's do there uh what else car notes do on the 20th you know this my monthly leaves will probably be my longest um videos because we have to get all of this together okay you guys so I've what I went ahead and just filled out the rest of the month I just kind of sped through it because it was just kind of redundant kind of what we do every month but if you guys were like more in depth of how I do this just let me know and I'll be sure to do it so over here right now I'm just filling out my sidebar and I have my goals for the month I took like my little strips to go ahead and just specify this month and then I'm over here on the sidebar I'm putting Apple care and Apple storage because um I'm not for sure of those dates um like on the last month I don't remember the date that it came out I have to look at that um matter of fact what I'm thinking about I'm gonna take one of these total boxes and use over here for these credit cards because I know it's going to be 50 dollars and kind of the same here and I do have these total boxes and other colors besides black and white so that completes my monthly kind of process how I do things I'm going to straighten up some of these I'm going to pop it back in and then we'll just kind of go over what I've done okay guys so I went ahead and I adjusted this number um my 300 so it's now 1400 and 43 dollars I didn't adjust in my digital envelopes and like syncing funds things like that because I really at the moment don't have syncing funds because it's just really hard with the income so what I did was like when I hit an adjusted so I'll adjust all the extra stuff with the supplies and things like that um on the other end the back end of my budget because I did just buy supplies depending on how well the shop goes this month I may not need those and then like if it's not great or like the salon is slow so here's my lovely calendar that I created that I'm just loving at the moment I mean it's imperfect but it's perfect for me and this is my monthly view in it and so what I did again over here on the side was I put down my goals I always feel these in later um it's no huge secret but um I just like to fill those in later off camera and I went ahead and put apple care and apple storage over here to the side it's like an alert to alert me that they will be coming out so I have all my bills as you can see a bulk of my things come out on the first and then maybe the third week so that's that and I do have my digital envelopes listed here I'm not really doing much with that I'm just using it as a guide at the moment so that is it you guys I know we were a little long oh and I have these I made for myself which I'll be bringing to the shop just don't know when um I have a past due one on here I'm gonna put that on car insurance I mean not car insurance so T-Mobile right there so I don't know when I'll be bringing them I'm just have so much going on I'm trying to um you know do some updates to my shop also in the month of February I'll be closed so I put that number down I'd have to be not the whole month but maybe a week or two so hopefully when I do take my break and come back I make the number that I project it because um I'm going to be updating some things so some things will be missing from my shop I'll be taking out some things adding some things so if you are already following me in my Facebook group please do so because we have some exciting things going on over there and they found out all the news first before I put here on YouTube or before I put it on Instagram so sorry for the ramble but thank you all so much I'm really pleased with my monthly layout if I can keep it going and looking good I may freak when I don't know but I really like that so again thank you all so much for watching and joining me for this week's Monday Monday if you have any questions as always leave them in the comment section and I would love to answer them and I will see you all in my next video bye