 Hey everyone and welcome to Nourish Cove. I'm Yoshida. Yes, I've been gone for a couple of weeks. Probably about two. I've missed maybe, I know I've missed maybe two budgets but I was working on the budget box so I'm kind of back in the swing of things and I never got around to my monthly November but it's okay because I'm going to do it and I'm going to mark things off but we're going to do a little reviewing here. I think the last time was around my mom's birthday. This is the budget that I did. I put down that I was going to make $750. You guys this week was so good. Actually I made $15.45 and Nourish Cove I made $5 and Miscellaneous 34. I believe that was just helping my co-worker. I did pay Shopify. I think that week everything pretty much got paid. T-Mobile did not. I think I ended up giving them like $68 but other than that everything else got paid. So this was last week. I went ahead because I realized I was like having done my budget. So let me like stay on task even though I'm not recording let me just stay on task. So I guesstimated $1,200 because I knew I had two big ticket items and I came a little under that. I ended up making almost though I ended up making $1,170 and if you follow me on Instagram you know that I had to get a new car. So I'm debating if I'm going to share the amount here but I do try to be as transparent as I can but it is a little higher than what I was paying but I do want to kind of share it so that way you guys can see how I intend on paying that extra amount that I wasn't used to paying. How it will work into my budget and all that great stuff. Also I'm going to start a debt-free journey. I decided I want to be debt-free and I'm tired of going through this rigmarole this cycle of no money having savings and having to use it. I'm tired and I know that if I really focus I could get out of debt and I could stay consistent with my cash envelopes. So miscellaneous ended up being $76 so I'm just going to check that because and the Norse Code made $35 because we sold our first December box. I've checked up some things they got paid here so Boothright ended up paying $180 because that $76 basically went into that so really technically I made $1,200 I made almost 14. No let me get the calculator sheet I don't be assuming and I'm here lying so we have $1,170 plus and I didn't add that 76 plus and yeah so I did make the $1,200 it ended up being $1,246 so that was good so I ended up paying $180 and Boothright and Card Note. This is what I'm putting towards my new Card Note I have it in my savings but I'm trying to move it to my Capital One account which one I don't use I think that'll be the account that I'll pay this new Card Note out of until I can refinance so we'll talk about all about that card and all that great stuff later. So this week will be the 21st through the 27th also if you are new here I make these inserts here you can find them listed below I also just came out with a budget box it's a monthly subscription or you can choose to have a one month box just pay for it one time and one time only try it out to see if you like it okay let's see so our sources of income is here and I'm just putting no code that's for Norris Cove and Ms. Salanias and also since I have this new Card Note I'm considering going back to doing nails so I'm just going to get paid trust me and I kind of have a plan for it so and I already have half the Card Note so that kind of tells you what it is anyway so for this week let me look at my schedule this is my busy week kind of like my busy Saturday and sometimes on those Saturdays I can make up to like seven six hundred dollars and it is a holiday week so I'm going to step out with eight hundreds just because you just never know like I already had someone cancel for Friday so I'm going to leave it at 800 and I think what I'm going to start doing is something I used to do is make it higher and just make that a goal to like reach so that's what I'm going to do Norris Cove so again I don't know I don't know who's going to buy boxes this week but let's just set a goal to do um at least one box this week because I did put it out kind of late so it's kind of after people's payday so that is that I don't think I'm going to do anything Ms. Salanias this week so so far we have 835 dollars um I'm going to put that here so and then we'll come back and see what the actual was so the bills do this week um T-Mobile is normally doing this it actually was due today and I was supposed to pay something um I'll see what my budget looks like but I'm gonna put them last um and on the 25th we have PayPal and that is I believe it's I'm gonna put 40 and then we have to prepare for our car note I mean excuse me by car insurance which is due on the 28th which is Monday and because I have two cars on there right now the bill is 400 dollars so so let me do this but I do kind of have help with that but I just don't know I'm just gonna put 300s and that's on the 28th and I'm just gonna put 300 plus one of my cars is in the shop so I need to get that out uh yeah I got a lot going on but you know I'm faithful the god is faithful so that's all I can say about that um now I didn't see HP come out last week so I'm I'm going to put that here and that is I'm gonna put it on like the 22nd and that's 20 dollars and my booth rent uh Saturday will be the 26th that is 250 and somehow I gotta work in T-Mobile but I'm not gonna put them down because I'll probably do another payment plan so I just gotta stall them out so I can get ahead like I did last year with my taxes and um my plan we're gonna talk about money goals and all that great stuff but um one of my goals for next year is to be able to have them automatically drafted from a credit card but I have to pay the credit cards down first so we have 610 dollars that we need to come up with this week now that's something that I know that I will make and I have a lunch with my friends this week um me and my daughter had lunch today but going forward I'm definitely gonna be cutting back on eating out because I know that it's just not working for me okay um sinking funds I'm just gonna put a total over here of a hundred dollars at least that's what I'm gonna try to do and I was gonna do sinking funds on Saturday um my cash envelopes and all that great stuff but I was just like I'm not gonna do it because I know I got some other stuff coming up and I knew I had some bills that will be posting today so expenses I'm gonna also start at using this because now this truck takes premium gas from my other truck to can let it and I'm basically gonna be spending almost a hundred dollars in gas this week because I went and picked up my mom um to go to Baltimore on Sunday to the cruise and then I picked up again this Sunday but the gas did kind of last me and the first time I filled up I went with half a tank but I went just random somewhere and spent the 449 and it was half a tank was 53 dollars I was like a new so I went to Sam's the other day and I filled up my whole tank for 53 dollars so I'm like that's more like it so I'm gonna have to fill up again because I picked her up and then like I did some errands today with my daughter and took her to the doctor and stuff like that so I'm going to put 100 because that will be coming out um I'm gonna give myself this eating out I've already kind of spent out but out of this money this week I don't want to spend over 50 dollars so that's like 150 dollars I do need some toiletries I need to get some paper towels toilet paper stuff like that um right now I'll leave this and we have 610 and 150 so that's a total of 760 dollars subtract 800 remember I don't really take anything so at least it's like 40 we gotta make more than that so we're left with um I'm I'm just putting 40 over here and I'm gonna put my total bills the budget when I've budgeted for it is 610 and I'm putting that in the summary here and for expenses 150 you know I do a basic budget but I realized that I make these for others and you know myself as well but I need to actually utilize the whole thing the whole thing like while I design it and I'm not using the whole thing I like it I guess because I like it kind of quick and you know I just do the necessities but going forward the girl is about to break it down because um I have not had a car note this high in a while and it's feasible and I know you know we're talking paycheck to paycheck but when I'm I'm self-employed it's money you know and when I purchase something how I do it is I take whatever the cost of it is and I divide it by four because I know I get paid on a daily basis but I know pretty much I'm gonna make for a week and if that will fit into the least amount that I'll make a week and what I also did was so when I did the math at the dealership I'm like okay it's feasible but I already know what I gotta take out of my budget and that's eating out because that is my biggest spend I can spend a good two two fifty probably sometimes three hundred dollars a week eating out that I don't be listing here because I already know I'm gonna you know eat it but not why not put it in here and stick to the budget right so I was like okay I can afford it I just need to stop eating out but then when I got home what I did was I went back to my monthly budget so I started at the beginning of the year right that's why notes are so important to me because it lets me know where maybe somebody may have went what may have changed in my budget like if I got something new like I had COVID so that would explain like why it's less here and so January is pretty much kind of slow for us anyway as stylists and then here you see in February it picked up a little bit and so I looked at my budget month by month and what I noticed was that there was a decrease in certain months and those months were like June July and I don't know how I got to September maybe I didn't do August let me see yeah I don't know if I got confused or whatever I probably didn't do August like I didn't do November but I knew those were slow months and then in September it picked back up which I knew that it would so I knew for three months that I would be slow and that my car would not fit in those three months so my plan is one when I get my taxes is pay up for three months and then just pay you know as I normally would I don't kind of want to sit it aside and have it sitting there because I know myself that I may say oh I can just pinch off of it and that way I don't have to have the whole thing no I'm just gonna go ahead and pay it up for three months and then when those slow times come if I don't make one it's already paid if that makes any kind of sense so it's kind of already paid so that is my plan and then I want to refinance with my credit union right now it is with another company but I want to refinance with my credit union but I want to pay a couple of payments first so maybe once I get to March I may not have to pay up those three I may can refinance it may come down to a more reasonable price or you know a lower interest rate and the interest rate wasn't too too bad I've been offered way higher so I didn't think the interest rate was too bad but it was higher than what I was getting at the credit union so I'm definitely going to try to get back with the credit union so yeah so anytime I don't know if you're self-employed or not but that is how I kind of figure out what I can afford and so then I was like well let me look for a job let me try to find me a job maybe I have to go back to doing the Instacart or whatever and I was like no what can I do with them what I already do to make extra money and one of the things was I can do weave but I don't care to do weave and to be honest it is just not my lane but I call it hard time here so first of the month you want to weave I got you now I can't do nothing too fancy but I can give you the basic weave and even that is a nice price and that's what I had last week was two weaves so then I said Lord just give me two weaves a month or two weaves a week and that will cover my car note so I'm just doing extra things some of my people are coming back from COVID so business has picked up and I now have at least about five new regulars so that in itself is probably my car note so yeah that's what you do you got to analyze things you got to see where you can pull extra money and then I said push coming up I will sell stuff you know just do what I got to do but it's going to get paid because I do like my new truck and um it's just going to get paid so that is my rent for today but I love discussing budgets and how I do my budget as a self-employed hairstylist or just an entrepreneur period and um I just love to share that and I'm not good at it but um I will be one day and I just keep going no matter what it looks like I just keep going because I want to be better at budgeting and one day can look back and say I've come a long way y'all this is pretty much 30 years in the making of me trying to get my budget right like I wasn't taught how to budget I learned I've researched and so I just want to bring you guys along for the ride so enough of my rambling but if you are new here welcome let me know in the comments that you are new here and if you enjoyed today's video do me a favor hit that subscribe button also hit that notification bell so that you're notified whenever I upload content and I'll see you in my next video bye