 Well hello hello and welcome back to my channel. Today we are doing the October budget. Things have changed since my last budget. I'm going to go over it really quickly and then I probably, well I'll probably keep addressing it in future budget videos but I got a new job as of late September so I will not be able to be showing my income as for all the people that are going to ask questions about that. It is in my new company's handbook that we cannot share our income and since I have a public YouTube channel, even though a lot of the people that I'm coworkers with because I've only been there for a few weeks, they don't know that I do YouTube but these videos are public and anyone can find out this information at any time. The reason I shared it previously is because I was HR at my old job so I was able to do whatever I wanted but that's not the case anymore but I will be showing the outgoing as well. This is kind of what I started doing when I originally started doing budgets so as for the spreads like this that I typically use these. These are the Emily's budget bundle for Coffee Break Planner. I will show an old one. I'll still be doing these but I won't be able to share them anymore because I put like my income and stuff on there and this is like my real life planner. Like I'm not doing this just for YouTube. I want to use it for me so let me show you a previous spread as to how to use these and I will link Coffee Break Planner below as well. Here's April so I put in all the no spends and then the dollar amount of how much I had every paycheck and then when I had different things going on. Anyways let's move these to the side. Obviously it's October. This is going up on the 6th of October and I have my little I like to keep some of these like little Aaron Condor and sticky notes on the side here to put down if there's any like things that are coming up in the near future that I need to budget out for so I have my life insurance and then AAA and then also I can kind of see it over here. I need new tires and then I also have an oil change scheduled this month. So we put that all in here and I'm going to use this side. Everyone that has questions about this side I don't use it for anything. I never have. I don't know if I ever will but there we go. Also planner friends sent these to me. This is from Uncommon Plans. I will leave the link below and I figured this would look really pretty for the fall. These big you know washy strips and actually I'm going to start over here. There we go. Let's see if I can get it to like square up properly which you would think with all the plan with me and all this other shenanigans that I would actually know what I'm doing when I'm laying stickers down but I don't. All right perfect that looks really cute and then I thought that one of these little half boxes would look kind of cute somewhere on here maybe maybe maybe one of these ones. Look at that one's like not cut very well okay here we go here we go. I just needed to like try a little harder you know what I'm saying. All right so let's put this right here and then I have this sticker sheet from Erin Condren. I will leave a link below for you guys if you're interested in anything from Erin Condren. There's two separate links. One of them is if you've never purchased anything from Erin Condren before there is a $10 off referral code you actually sign up using your email and then Erin Condren will actually send you a couple of different emails but one of the emails will be a unique coupon code just for you to use on your first purchase and it's $10 off. When your item ships I also get a $10 off coupon code which is fantastic and then there's another link for Erin Condren if you've already like purchased from the site and then what I use this is a 7x9. I get a lot of questions on it and this is my budget 2017 so yeah it's 7x9 and it is the 2017 monthly planner so this is just what I use and oh my gosh my battery is dying. Why is my battery dying? I just turned this thing on okay give me just a second I'm gonna re- put in a battery and I'll be right back. All right sorry if the frame looks slightly different but I had to take the whole apparatus off to put the battery in because the battery hole with the actual camera is hiding so anyway let's get into the budget so I'm gonna put October and then budget and then I think what I'm going to do because this is gonna be a very different budget for me and I'm not used to doing it this way yet is I'm just gonna list out like all my outgoing and then when I turn the camera off unfortunately I'm gonna list out my incoming and then figure it out from there so yeah I mean this is just the way I have to do it for now and it's gonna be the way it's gonna be for probably quite a while because I really enjoy my new job so let's get started on the bills. All right so here are all of my set expenses for the month. My mortgage is 451.38 I was gonna say 83 years trying to invert my numbers really quickly. I get a lot of questions on why my mortgage is so low. I put 50% down on my home and that is why it is so incredibly low and for anybody that's wondering I live in Minnesota. People ask all the time in the comments so I figured I would address it. Also my HOA because I do live in a development is $158. My electric it's always an estimate for the electric there there's no like set expense but last month it was about a hundred bucks and then this month should be about 80 I have not been using as much with like the air conditioning and stuff like that so it's all run through the electric. My gas is always set at $44 and then once I believe it's once a year maybe twice a year they like reset it so right now it's $44 my trash is $29.75 my water through the city that's like the city water and sewer is $50 it's just like an approximate estimate auto insurance it's $85.42 that doesn't change my wi-fi is the same at $45.29 Netflix is the same $10.68 and then Colligan I actually rent a water softener because it's already busted twice since the house was built in 2002 it's just not the best city water to be completely honest it's very hard so it kind of ruins your water softener and Colligan comes out and they actually put in the water softening pellets and maintain it and all of that stuff too so anyway I pay a monthly fee of $31.85 for that as well there are some other miscellaneous expenses I say that with jazz hands miscellaneous expenses coming up this month and then I'm gonna just like skip a line I think and then I'll write those in and they'll put my cash in too but because I like to make it fancy I think I'm gonna use one of these um and I think I'm gonna use like maybe I don't know maybe the yellow I was really looking for like a washi strip but I don't didn't seem to find any on these um uh what am I trying to say on this like sampler thing I was sent so I just thought why not actually let's let's try this out again Emily with the stickers like I can never I can never get it right you know but I really like this glitter it looks really nice all right well I only needed three I thought I needed four but I only need three okay perfect all right so have a little spacer because you know I like my spacers and um let's write in all of my kind of miscellaneous things that are coming up this month all right so as for the items that I just wrote down my life insurance is approximately 180 I do this once a year and I can't remember I know it's not more than $200 but I just can't remember I pay on an annual basis I got the life insurance many many years ago um my AAA is approximately $150 I think I want to I think it is but I cannot for the life of me remember I'm gonna like legit track this this year and then write it down and so I have it forever and ever but it just comes in the mail my oil changes are typically around $60 my oil changes are a little bit more expensive because I have a little bit of an older vehicle and it's now over a hundred thousand miles so I get like the high mileage oil and all that good stuff um the tires I talked to the person today they said you know tires can cost I don't know it's gonna be at least $400 maybe a little bit more I'm not sure I need to like talk with them in depth about the tires and um yeah so we're gonna we're gonna do that but that'll actually be happening I think did I make it for no not this weekend but I made it for next weekend so I'm going to be going there and doing that so again let's grab the spacers real quick and then um I'll pull my cash too because that's always fun to see that because I have some fun things coming up this month and you guys will actually see some of the fun things because I am in the middle of doing vlogtober which is vlogging every day in the month of October so that's fun and exciting so sometimes I up my cash budget cash budget um to accommodate for some of that stuff because you know if it's in the budget why the heck not and then you know I can see what's going on all right so gas I'm gonna do the same at around $300 um it's been a little bit less recently but it seems like the gas price is here just came to like kind of fluctuate so I like to just put in a little bit more and then I just like don't feel like guilty about it um my groceries I'm gonna knock it back down to about 250 I did 300 last month and to be honest I didn't spend all of that money so I think two 250 is usually like a good middle ground for me dining um I'm gonna up my budget just slightly I usually do about 100 bucks but I think I'm gonna do 150 I actually have my brother is coming this weekend and we're gonna go out to uh dinner this upcoming Saturday which is tomorrow for you guys and um I wanted to make sure I had enough you know cash in my budget for this and then um Emily's miscellaneous which is you know just a little bit of everything um like if I want to buy I don't know something for the house or like makeup or I don't know something that's not necessarily in the budget I like to just give myself like a hundred dollar buffer uh you know clothes just any anything so anyways as always let's get this total up or totaled up I cannot talk today it's been a long day y'all it's been a long day all righty so let's get this totaled up and then we'll uh put a total at the end of all of the monies I have to pay this month all right so my total for right here is $986.37 and all of my extras which is kind of a big extra month um I know a lot of you guys you know ask if I do sinking funds at this point I don't but um as of the first of the year I will be doing sinking funds just because now I have a home and some of these expenses I won't necessarily be able to cash flow I mean I should be able to but it's just nice to kind of like save up for you know a car fund and like things like that looking down like long term because let's be honest like vehicles don't last forever so um yeah I'm gonna be doing that but I will set that up at the beginning of the year and then I will share that with you guys as to like how much I want to put in the sinking funds and you know yada yada yada so so let's see I've got all of the expenses all right so my total for the month outgoing is $2,576 and 37 cents tada can you guys see I hope you can see my camera is a little bit wonky today so I hope you guys can see pretty well but anyways um that is going to conclude the budget if you guys have any questions feel free to post them below and I will get back to you guys if you like budgeting videos feel free to give the video a thumbs up let's me know that you want to see more budget type videos or tips and tricks of how to save money in my channel and also if you don't want to miss any of my future content feel free to hit the red subscribe button if you haven't already you can also hit that little like there's like a little bell I don't know why I do this with my hands but there's like a little bell um you can hit that and what that will do is it'll actually send you an email every time I upload a video uh typically I am here every Monday Wednesday Friday at 9 a.m with content for you guys uh 9 a.m central standard time but since I'm doing vlogtober um honestly I am uploading vlogs kind of just whenever so sometimes it's early in the morning sometimes afternoon and sometimes it's really really late in the evening so uh you just pop it just an email pops through when I upload a video so if you're interested you can do that as well but anyways I am gonna jet thank you guys so much for hanging out with me today I really really appreciate it I hope you guys understand about the new job transition and me not being able to share any of my future income with you guys but I still want to show you this because I feel like this is a direct reflection of what I'm really doing the income minus the outgo is now for my own private viewing but I really really enjoy watching budget videos and kind of seeing what people have going on in their lives because it kind of reminds me like oh yeah I have to do this too this year or hey I need to go get you know new tires or whatever so I just find it more helpful for me watching videos like that so I feel like I'm babbling on like with every single video I do but I'm gonna jet thank you guys so much for hanging out with me and I will talk to you all in the next video bye guys