 Hey everyone and welcome to Norris Cove. Today, you guys, we will be doing our monthly budget for the month of December. I am a little late, but better late than never. Nonetheless, let's hop right into our monthly budget. Okay, so this will be for the month of December. I just highlighted that there. I'm guesstimating $3,200 for the month, but I'll start with hair. $3,200. Shopify, I don't anticipate anything for Shopify, but I am going to be making an announcement probably in my Facebook group and also on my Norris Cove Instagram of what I'm going to be doing going forward for 2022. And then for nails, if we're doing about, I'd say 60 a week, let's just leave it at $60, it's $240. And I'll put miscellaneous, but I don't see anything. Now normally I get gifts for Christmas, which for my customers, which are like tips, but I basically use that to pay for bills or Christmas gifts. That's how I've been doing it. This will probably be my last year doing it because I was doing so well with saving my tips in 2021. So I'll just do $200 here. Just never know. So let's do a little calculating. I really don't want to count that though, but let's calculate. So I have the total being $3640. So that's what we're anticipating for the month of December. Also, if you're new here, I pretty much start out with the most important things that are important to me. So on the 11th, we have car note number one, and that's 181.60. On the 20th, we have car note number two. Again, that's 181.60. And then on the 20th, again, we have a loan through the credit union, and that is $96.11. And then T-Mobile, my God. It's due like on the 20th or 21st, but I got some arrangements going on with that. So this month, I believe I'm at like $500 with them. And I don't know. I've tried, like I've paid off my phone. My daughter has a new phone. She still has a balance on her phone. I've tried to like get rid of some things, like just unnecessary, but it's just, I always forget to pay this bill, y'all. I don't know why. And so, but my bill roughly is about two something a month, but I just forget. Doubles and that is that. Barclays, we have that on the 18th. That is a credit card. I am over my balance. It include is interest. And I try to give them a hundred, if not more. Next up, we have Citibank. They too are over the limit limit. Again, interest kicked in. Let's see. I've been giving them, I think they're at like, I'm going to do 50 here. They may be less. Amazon. Amazon is doing the first, which has been paid, and that is $13.77. I no longer have cloth and paper that normally would fall around my first of the month things. I no longer have Lane Bryant. I paid that credit card off. I did pay off Victoria's secrets. So now I have Ulta. I'm looking at an old August monthly. So that's why I'm bringing up the old things. But Ulta, $35 that's been paid. Walmart, I know it's like $28. We have credit one. That's not on this one. And I think I did 30 there. And that's still like on the fourth. Canva is due on the seventh. That'll be coming out this week. And that is $13.77. And I'm gonna keep it. But I'm not really using Canva like that anymore. Next up, I have Insta Inc. I believe Insta Inc. comes out on the 15th and that's $19.99. Apple. So here's the thing with Apple, like a bill just came out like on the fourth. I don't know why they break it up to $3.49. So it's two payments to $3.49. So let's say $7. And then I think I paid $2.99 for storage. So that's I'll just put it at about $12. Because I actually need to get some more storage. Booth rents. I'm gonna have to normally it's $8. So I think it should be $900. But let me double check. 225 times four. Yeah, $900 for my booth rent. It has gone up. I used to pay $8 a month. It's not a month. Way fair. Now, with way fair, I really want to pay this down because this will include interest. I paid attention this time. It will include interest starting January 25. And I think I have a balance of like $3.75. So being that it is the holiday season, I'm going to give them $75. I'm trying to get that balance paid off. Shopify. Shopify has come in. My due date is the eighth, but they just take it out whenever they want to. And I really don't appreciate that about Shopify that came out this morning. And because I have not sold anything, I did have one shipment on there. It was like $34 and 73 set. So that's what I have so far. Let me double check to see if there's anything that I'm missing. Y'all, I forgot car insurance. Car insurance is $206. Sometimes it's $213. That is $206. Okay, Capital One. Gosh, I forgot them. I put them down. Capital One. I know they're doing the 15th. Car insurance is doing 28th. And Capital One, I want to give them 50. This month, I've already sent them like 20. I sent that to them today. So let's do some total. So my total comes out to $2,527.57. I feel like I'm missing something. And I say that all the time but I am like over it at this point. I really am. I'm tired of paying bills. It's like, it appears there's nothing left. But what I do want to do, I do want to get back into my cash envelope stuffing. I think the only thing that I will stuff for the month of December would probably be my savings. I want to do 50. And then my emergency fund because there are some things that I am looking forward to doing in 2022. And an emergency fund, I'm going to start with 50 with them. Because I do want to get that up to 1,000. I'm not worried about the cash envelopes right now. Y'all, I'm just out here trying to make it okay. And for those who are new, I used to try to zero base my budget. I can do it on paper. But it's just really not logical for me to zero base my budget. It's just not going to happen because I am self employed. So we're going to take this $2,527.57. And we're going to subtract it from the 3640. And that leaves me with $1,112.43 set. So I'm going to move that up here. So we should have that leftover. And then when we take that $100, that's basically 100 from it. That should leave us with $1,012.43 set. Like I said, I'm not trying to put in cash envelopes at the moment. What is left is probably what I'll spend on Christmas. And my basic needs like my miscellaneous items, you know, things for the house, things like that. And then starting in January, I will be back to cash stuffing because I do have some financial goals that I'm trying to reach in 2022. So let's pop this in. And I'm going to clean this out. I'm going to clean out this planner. I still haven't put this planner together for y'all, but it just works for me like this. Like I can kind of find everything. So yeah, so what I'll do, I'll go in and I'll put everything on a state off camera. And that way I don't hold you guys up. 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