 Well hello everybody and welcome back to my channel. Today we're going to be doing my October budget for 2018 and I am using as always my Erin Condren deluxe monthly planner. This is what my 2018 one looks like. I finally just ordered my 2019 one and it's coming soon guys. I'll be able to share more when I get it but this is my deluxe monthly planner from Erin Condren. There's always a link below if y'all are interested in checking out you know their stuff. But anyways what I like to do is before the month begins so I'm not into October yet but before the month begins I do have these like little sticky notes and I will put on any like things that I know about like upcoming expenses that I know about that I need to budget for this month. I don't have anything for October so let's get into this. Like nothing that's like out of ordinary I guess I should say. So anyways I am going to be using this washi. I believe it is still up in my shop if I remember right. This washi is just like really cute little kind of jack-o-lantern faces. Sometimes I can't remember how I want things to go on here even though I've done like so many budgets in my life. You just you never know guys you never know. Oh I should talk about myself a little bit. Hi if you're new here hello my name is Emily. I am a single individual. I live in Minnesota. I don't share income but I do share outgo. I don't have any kids. I don't have a spouse. I don't have a roommate. So this is just kind of my budget. I understand that my budgets are a little bit different just due to me not having any kids and things like that. But you know I hope you guys can take something out of it if you like these type of videos. So yeah that's just a little bit about me. I'll leave my budgeting or my money talk playlist up above if you guys want to check out more from me and this type of category. But I'm going to actually be using one of these sticker sheets. This is from Erin Condren and I use this typically every single month I feel like and it just says budget on here which I love and then there's these other stickers that I love as well from Coffee Break Planner. Oh I did not center this properly. Let's see if it'll lift up. Yes okay perfect. This is what happens when I try to do too many things at the same time. There we go and so these are these really cute little scallop boxes from Coffee Break Planner which is like one of my favorite things. So I'm just gonna put budget like that and then I figured I would use some of these because it's just like kind of funny but I'm gonna use these at the end. These are just like an old sticker pack. I think I had like four or five sheets of these. I'm down to like two that I got at Target like a long long time ago during the you know October season. So yeah but let's write in all of the things but firstly I'm just gonna put this in because we're gonna be talking about bills y'all and then maybe this one. Just a little like that looks cute right? I don't know. I think it looks cute so we're gonna go with it and let's zoom in just a little further here. Whoa that is the wrong way. I'm a professional you guys. There we go. Whoa all right. The bills that are coming out of my budget this month I should also say that if you guys haven't watched before I do have my own company so I do run a few of my different expenses through the company so you won't see a cell phone and you also won't see wi-fi or additional health expenses because that is all run through my company. If you guys have a company out there and are thinking about running other business expenses through your company feel free to talk to your tax advisor. I am not a tax person do not take tax advice from me but I have talked thoroughly with a consultant and a tax advisor on these things and it is perfectly fine for me to do that. So that being said let's go through my bills. So my mortgage is $464.42 and yes that is a correct number. I'm not missing a one in the front of it. If you guys are wondering why my mortgage is so low feel free to click the little card that's gonna pop up right in the corner for you somewhere and then I will walk you through how I purchased my house and how much money I put down so feel free to watch that and it explains it a little bit further for you. I live in a community that has an HOA of $158. My gas is $55 and that's like a set expense. My culligan I do rent a water softening system and that's $31.85 a month. My electric is an estimate it's getting a little cooler here now so I haven't been running the air conditioning too much so it should be about $90 this upcoming month. My garbage is the same every month at $17.85. My water is also an estimate it's anywhere from like $43 to $47 a month so I just stick with $55 or not $40 I'm sorry $54 a month to about $57 so I stick with about $55 or so. My auto insurance is $85.42 and my Netflix is $11.75 so let's get this bad boy totaled up. Again I'm gonna be using one of my little pencils from this little sticker sheet here. Put this right here and I'll put a total in. All right so my total is going to be $969.29. All right so next up is going to be all of my not cash things but things that kind of flex a little bit. This is going to be like for my fuel, my grocery, and my dining money so some of these categories are changing a little bit so as for fuel if you guys watched my life update which I will throw up in a card somewhere I recently at the very very tail end of August started a full-time position with a company. I am driving a whole lot more so anyways I was budgeting about $200 for gas but that needs to get up just a little bit. I made a budget 250 and this month I'm going to be really diligent about really tracking that to make sure because I'm basically filling it up about every third day just because I drive so far but my car has a pretty small gas tank as well so I just need to track that more. I think that's one of my goals for 2019 too is to track more things. When I set up my budget planner with you guys I'm going to set it up with you so you can see what I'm doing. Clearly I'm going to think about it before I start filming a video. I mean I don't always think about it about anything before I start filming a video if you guys watch my channel enough but I think I just need to be a little bit more diligent on that. I mean obviously like fuel prices like bend and flex and stuff like that too so sometimes they're up and sometimes they're down and sometimes they're kind of like steady but um anyways I'm not someone that overspends in my fuel category so it's not anything that I like take cash out for like a cash envelope system kind of a situation. I do have cash envelopes however for my grocery and my dining budget so let's put that in. I am at a total of $600 for these categories. Let's put a little pencil guy in here which is super cute and then maybe like a little cash guy that's like coming out. Okay so I use cash for my groceries. If you guys are interested in a like updated how I have my like wallet organized for my cash categories I will throw that up in a card for you as well. So groceries I really spend maybe about $50 to $80 a week just kind of depends on the week and then in dining I've been going out to eat a little bit more. I am debt-free so I feel like this is okay to you know spend a little bit more in my dining category budget. With the culture of where I'm working and things like that I want to participate in those things and someday I might not want to participate in those types of things but I'm just pulling up my dining to about a hundred. I think it was yeah last month I think it was at like 80 but yeah I mean I still have I don't know like $12 or something in there but this does cover any like fast food or dining out or just going out with friends going out with co-workers things like that but yeah I think a hundred bucks is like completely reasonable for dining or if I want to go through like a drive-through or like go through the Starbucks line or something like that that's all in my dining budget so I don't know I don't think that's like too ridiculous but I'm sure you guys will tell me in the comments if you do think it's ridiculous but I think it's gonna be just fine and then um so yeah but these are all of my like things that I'm planning on the spending. I know a lot of people ask questions as to like what about clothing and what about entertainment and things like that you know to be honest I really don't budget that stuff in this particular planner and one of the reasons why is because I really don't tend to overspend in those categories like if I needed like needed a clothing cash category I would probably already pull that out if I was having issues with it back a long time ago when I first started budgeting I did have a clothing category because I was having issues with that category but it seems like in the past couple of years I haven't really been overspending in that I do like a couple of big shops a year but I save up for those things because I know that there's sales coming up like the Nordstrom sale every year I tend to go a little hog wild usually all the other shopping I do throughout the year is like at Target so and it's not every month it's not even every quarter that I buy something at Target and that's like one shirt that was like $17 so for me this just works really well for the things that I tend to like overspend in for like the cash envelope system if that makes sense so anyway enough of me talking let's get this all totaled up all right so for October is $1,569.29 that is how much my life will cost at a bare minimum and then let's put in some of these stickers because I think these are really really fun and I love this one this spine tingling so just put that like right next to this because it's just funny um yeah and then maybe this like wicked fun like I think budgets are fun but you guys might not think they're fun but I really enjoy them so let's put in the wicked fun maybe a couple of other little guys in here too because you know it's October why not have some fun with this we'll put like little candy corns up here all right I swear that's that's good for me guys that's good for me okay so that is going to be it for my budget for October 2018 I hope you guys enjoyed the video if you did make sure to give it a thumbs up feel free to share and subscribe I am back every month with another budget if you guys have any other financial related content that you would like to see feel free to put that in the comments down below I'm always open to suggestions as it pertains to my video content so please feel free to put any ideas down below and you never know maybe I'll film that video for you you never know so anyways that's it for me today thank you guys so much for hanging out I really really appreciate it and I will see y'all in the next video bye guys well folks it's time to kick it old school so you can feel