 Hey everyone and welcome to a welcome back to Norris Cove if you're new here. I am Yoshida I am a self-employed hairstylist and I like to get my life together by planning my budget and my finances I also like to plan my life minimally and functionally using a planner if that sounds like something that you are interested in Do me a favor hit the subscribe button hit that thumbs up and leave me a message in the comment section letting me know That you are new here so that I can welcome you to the Cove But today we will be doing our paycheck-to-paycheck weekly budget and for me that is just a budget for my inconsistent income But before I start we have to close out last week. I'm gonna look at my notes over here You guys wait till you see it. I did a little bit because I had to Just check things off, but we ended up making we Guestimated or budgeted $1,300 in here. We ended up making $1,400 and $5 We were gonna pay ourselves finally from Norris Cove $200 It was an accident that I actually used this because this was supposed to go towards that But I'll tell you about that in a minute and then so our total we are guesstimated as being $1,500 It ended up being $1,605 I was scared to use this But it accidentally got used I was gonna try to avoid using this But y'all I made a mistake I paid a bill that I hadn't planned to pay until either next well this week or the week after for $206 well, I looked up and it came out of my business account. It was really my fault I paid I thought I was paying $15 and wasn't paying attention I used my PayPal and it ended up coming and I used my business account through my PayPal It was a whole mess I looked up I'm wondering why $206 is missing so I really never got to put this towards the debt I intended to but the debt got paid and it actually going to a went to a bill that like I said I was just gonna pay this week or next week It just wasn't in the cards to pay it that week Nonetheless, I got over it. I called my bank like how can I stop this cuz I saw it pending and it was like Well, we have to pay You know any I guess anything coming in and if you have an issue with it with PayPal You gotta dispute with PayPal and in my mind It was just no need to dispute it with PayPal. It's a whole kind of backstory like I did it You know what I'm saying? It was an accident. I did it. I also had a couple of accidents this week I thought I have what's products for the budget box. I thought I used my business account they have similar numbers ending in and I thought I was using my card. So I realized I said, oh, I took it out of the business checking and I didn't hit the right button. So, okay, it'll come out within two days So I left the money in the account, of course is there is not going anywhere and I kept wondering why I was taking it so long and I'm trying to be short-winded, but My business account is with the same bank, but it's not connected to my personal account And I have one account just for the card note. Long story short, it came out of my card note account There was no money there because it wasn't time for me to add money to that account I don't even have a card to that account, but it was linked to my PayPal as well And I accidentally use that account. It came out of there. I got two overdraft fees for two products I purchased And I couldn't understand it at first But when I realized what I did and I did this search, you know, research and look back at PayPal It was the wrong account. So I ended up taking that account off of my PayPal It was just a mess. So luckily the bank said that, you know, you've never had any overdraft fees in this account So we're gonna refund you your money. So they did they refunded me my overdraft fee. I took the money from my Because they're gonna run it back So I took the money from my business account and had to transfer it to my card checking That is that but this week was a whole because I was so busy trying to pay off day. It was just a whole mess I got so excited that I could pay the bills that I just got like I don't know just Totally mixed up with all these bank accounts that I have Nonetheless, let's close this out. So we ended up making six hundred and five dollars. I mean, excuse me sixteen hundred and five dollars uh We paid credit one their money came out cloner Another cloner we paid a firm everything in the red got paid. Let's just say that In community all that stuff got paid apple music more firms zip Everything I said I was gonna pay pretty much in the red. I paid canva I believe canva came out month of double check now america home shield That's supposed to come out on the 10th the money is in the account that it's supposed to come out of which is my bills account It just hasn't come out yet. Um, it probably because it was a saturday It'll probably come out on monday or tuesday boothering got paid chase. I did not pay Pay pal. I did not pay hb ink. I think that's coming out this week. I was supposed to pay it with Part of this because that is a business expense, but We didn't have it after that and I just wasn't touching the rest of money because the rest of it actually went to products um Ultra didn't get paid. Walmart got paid. I paid them 56 dollars and I was so confused as to How i'm using my sink and funds cash envelope category over here I thought that I was using it for like the week But then I realized I was using it like for the past week and then it dawned on me that It is for what I plan to Take the money from This money. I hope that makes sense. Anyway, I had put down 120 dollars because I knew I had put the money from last week and I was going to add to it, but Then I put 46 31. That's not the case. It was 60. That's what I put in my envelopes this week the saturday. Well, you know, uh That was last. Yeah, that was last week's money. So that's correct 60 10 out of savings 10 of future 10 of pto 4 and 1 and 5's jaden got to Planning all this ended up being 166 dollars Then here where the problem came in I needed products this week and just buying I'll show y'all my little scrap paper Here I go with the scrap paper, but just buying this is all products just buying I'm spending 16 dollars here 34 dollars there 79 dollars there 30 dollars there 56 dollars there 12 71 and 31 dollars Ended up being 260 dollars actually 261 71 Woosa and then I put 62 dollars in 10 cent in my gas that came out And then household was 8 34 just on some toilet paper and paper towels and I kept it real simple Okay, so I ended up spending 301 dollars and 15 cent in expenses never So I shouldn't buy have my products for a good little while And that that all went over there. So That's it y'all. So let's do a little map And see how we panned out if we kind of got zero. I know there's just like some Extra money somewhere. I just don't know. Let's kind of close this out and see So it looks like with everything I paid it was 784 dollars I'm going to use the green 784 dollars that don't sound right because that will once we add in all this other stuff Then we have 166 Then we have 301 15 So 1251 dollars is everything together Let me see when I put that total bills. I'll just put it over here with the total bills ended up being 784 dollars Total expenses ended up being 300 and one dollars and 15 cent Total sinking funds ended up being 166 dollars Okay No debt And the total I'll just put down here ended up being 1251 dollars and 19 cent And I think the reason there's more money left is because I pretty much basically didn't pay myself. I put more into the product. So And there were some miscellaneous expenses. I did eat out. So There's that Last week is closed out. All right, let's get On to the nitty gritty now. I'm going to Sit my planner aside because I need to flip to the calendar month Let me show y'all To see what we're gonna pay this week. I've already kind of glanced at it and uh, yeah, I don't know I don't know. This is what we have to pay this week. We have maybe federal credit union t-mobile capital 1 hp in clona Affirm alley And actually alley is not 749 this month because I Pushed part of it to the end of my loan. So it's like I gave them two of these. So it's like 500 I want to say 525 this month And then we have city bank ultra clona Affirm, I'm just gonna kind of pick and choose because I am trying to pay off these quad pays So we definitely know we're going to pay quad pays and we got to pay booth rent, which is here So I'm going to go off camera write everything down. But first let's get into our income So for here I've done the estimation. I think two weeks ago. It was like 785 Um after my estimation, I think we can come in at 800 Um, no co we're paying ourselves 100 because everything has been paid And we're going to actually use that to cover uh hp ink and the rest of the bills the basically the Business bills that I didn't pay last week with what we made because the 200 went missing I got to sell something this week in order to make some money. So I'll do miscellaneous. I don't know how much I can make um Yeah, I don't know how much I can make but we'll just leave that for now And our total is 900 Okay, this is the week of 212 Through 218 We're on check number three. I believe Yeah, we're on check number three Okay, we'll come back and fill that in and I gotta make sure I did that for less. So, okay Now I'm going to fill out everything that I need to pay And I will be right back. Okay. So we are back And we have here coming in at 800 Norse Cove 100 I definitely need to pick a side hustle this week and it may be selling things online. I have plenty Of a D stairs to get rid of I'm just trying to figure out the best way to get rid of it Um, I'm not even gonna put anything there what we make will go towards paying off something Um, let me explain here in the red. It's just things that are behind that I need to pay But just mean I get paid this week, but I'm not going to add it in my total It's just here for me to see it But we have navy federal credit union. That's a credit card I have we owe 20. That's the minimum payment T-Mobile 138 77. This is this is a Payment plan I've made with them. So I need to pay that cell phone. I mean, excuse me capital one is 40 Hp, 55. I'm guesstimating because last week last month they hit me for $80 Clona is 1987, which is one time. I've caught up on my quad pace Affirm is 2872. Clona is 2201 And boots right is 250 which has to be paid. Affirm is $16 and 61 set Um, and again, these other things in red if I can give them $100 each that would be great But let's do some totaling and it was something that popped in my mind I'm thinking like Where's my paper? Yeah, so this is all I owe left with zip I think I paid that off No, I have probably one more payment Why didn't I didn't hear I'm going to add them but zip. Let me just put them in red My budget I swear is getting more and more complicated and I think it's like a 50 something dollar payment. I'm gonna put 52 I think that's all I owe them. So we definitely going to try to sneak them in But this is because I have a root circled in red But this was my balance and I think I paid half of that. So it's 101 dollars and 20 cents Pretty much 52 Cloner is $90 and 36 36 cent that is all we left on them and they'll be paid off I really want to say zip will be paid off with the 52 Affirm because this was the other day. I should have dated it. Affirm we owe 137 dollars and 90 cent So I would love to pay these I want to kind of do for my savings is to pay these off because it's driving me Bananas to open Old them like I was think I was telling my Accountability group. I never used to let The court pays get like this because I don't like to owe people like that I wanted to keep it for like a you know, in case I really really needed it Now I just got to get caught up anyhoo Let's do some totaling here Okay, so we have 642 dollars and 98 cent. I went ahead and added this 52 dollars because I want to get this paid so I'm going to put a little arrow there So we have 642 dollars and 98 cent. We're going to probably run it out to 643 And let's subtract it from 900 257 oh two. We'll just leave it 257 remaining 257 dollars and then let's come over here and add up our envelopes I've kind of already done my breakdown. I want to spend roughly 110 to 120 Yeah, that's 110 Now what I did was I moved birthdays down here to expenses I have some in my wallet for birthdays, but I'm just estimating an extra 40 dollars to what I have So that's 40. I don't have to get guests this week. If I do I will Go nowhere And after I spent so much on products last week, we're not getting products Um That payments I'm not going to pay anything if anything it'll be over here so far. So let me cross that out Now let's get the total income 900 Total bills 642 Should have put me to 643 643 total expenses 40 and total sinking funds is 110 No debt payment. So let's subtract all this from 900 subtract 643 Leases for 257 subtract 110 Subtract 40 Leases with 107 107 So to zero base this out, let's try to pay Ulta So let's put them on. I'm gonna do an arrow here At least a seven dollars. We can add that to Our ones and fives And that would make this No two more dollars a hundred and twelve dollars And now we're zero based one oh seven Plus the five 13 Lord Jesus. Let me just use the calculator because I'm doing It's too early in the morning and this table is getting my nerves Yes, I did it right one 12. Okay. Oh, what did I know? Because you got the five Thank you 117 We'll put 117 I thought that would be right. So we had 117 for that So if we go back to zero it out just on a inconsistent Income and we are guesstimating Let's do 900 again and make sure that we are zeroed out 900 minus 643 That leaves leaves us with 257 we're going to subtract 117 And then pretty much let's see 40 Then we went over here and paid ultra. We're going to put that in debts ultra Which is a hundred So track that That gives us zero I'm trying to do better as you are basing it out and if there's anything else I can apply it to somewhere else like let's say we get an extra hundred dollars and we make 900 this week then I can pay Something else city bank Or something like that. I hope I'm making sense Because I know a lot of people are not self-employed, but I do know that I have a couple of hairstylers On my page that follow me. So I hope that helps Every dollar needs somewhere to go and we have to just assign it somewhere to go And when we get paid we have to make sure That we're paying our bills our debt all that great stuff I can't wait to close this out and see how this week goes. I'm going to try to make it a great week Let's see. I need to move this to earn card Right over here Right over here. I'm gonna feel that I keep selling feel that out later, but I really am. Um Y'all seize that noise. That's my light Um, here we are This is what we have going on this week on this day. I gotta kind of set this up again Um, I already kind of know what I'm going to make this day almost 200 dollars. I'm gonna go ahead and pay Maybe federal crediting and I'm gonna leave some to help pay for t-mobile And then all this stuff that's due on Thursday. Oh and the reason I didn't add my card Note is because it's not going to come out until next week. So I really need to kind of Move that which is pretty good because it'll be coming out on my busy week But I'll probably go ahead and take care of that Zip payment Here it is right here. So I actually don't think 49 64 I paid one of these. I think it was the 49 64 So we're gonna pay zip. I'm gonna put zip over here On Monday 51 64 So what I'm doing now Is because of my income I'm looking at my days. I get paid the days that I make a good amount of money And what can I pay ahead of time to cover those things? I need to look at my hp ink and see let me put a blue I need to look at my hp ink to see how much that is and if I can go ahead and pay that um Like I said, ally with ally will come out next week We'll have a clone of payment do which should get paid in a firm I may go ahead and just pay a firm Just to get that out of the way, but it would be best to pay it here on This date. So that's kind of how I'm doing my budget now last week was a mess like all this stuff got paid, but I needed to Really look at this now what I'm going to do. I finally got my Personal setup. I hope this video is not long And I got my pages in here. So now what I need to do is come in I just Transfer this right on over But I need to come in and do kind of the same in here because last week I kept saying what am I supposed to be paying Even though I had those little sheets. It looks better to me on account like a bird's eye view so I had to like What I think a steel picture I think of the video that I did so I had to kind of to make a thumbnail I had to blow that picture up And see what was actually do that day and I realized that is pretty much my problem That's how I get behind because I don't come and look at this which I should do That's where your money routines come in. That's where your money habits come in your money schedule How you look at your budget and how you plan your budget you got to look at it often I have all these reminders, but it doesn't make sense if I'm not looking at it anyway I'm not going to hold y'all. I'm going to Probably go back in here and see how I'm going to pay things again. I'm going to Set up some things to sell My other side hustle is insta carton. I hate it with the passion But not necessarily with a passion, but I hate it. But if that's what I got to do To get caught up. That's what I'll do. I'm looking into some other side hustles But my favorite side hustle is just getting rid of stuff because it's easy and I can just ship it But that's what we have going on this week And This is it So the only thing I can think of is Yeah, I just need to make sure I have at least 117 dollars to stuff I'm going to be taking my tips to kind of cover my sink and funds cash envelopes I'm going to do everything I can to pay off these and I just thought about something. I'm making these bundles for The planner um convention in april I may make two or three more just to sell so that we can cover some of this debt That always helps me out. So I may do that as other things I can do But that is it you guys. I hope you enjoyed today's video If today was your first time watching any of my content you enjoyed today's video Please let me know give me a thumbs up leave me a comment and don't forget to hit that subscribe button And when you comment, let me know that your news here so that I can welcome you to the cove Thank you for watching. Bye