 Hey everybody and welcome to my October budget. As many of you know that have been watching my channel for a little while and also follow the plan with me videos, you would know that this budget is going to be way different than any of my other budgets because unfortunately on September second, which this kind of ruined my budget for September but we're not working on that, we're working on October this time here, I was laid off from my job after almost nine years. So that really sucks and this is not the part-time job, this is like the bread and butter job that I get paid the money for. So anyway, so yeah this is going to be a little bit of fun. All right so I really don't have, well we're gonna get into it, let's write October budget and then I'll keep, I'll keep yammer in our way and bugging you guys. Okay so I've got my little thing written down there. Gosh it's so hard to see on the viewfinder. I don't have any lights anymore, like I've already packed everything and it's already gone so yeah. I'm gonna use some washi today, this is like from Scotch, it was actually from Target last year during like Halloween time. I think I got it on sale actually because I don't really buy a lot of seasonal things, I mean unless they're on sale so yeah. So that's exciting but okay yeah so getting back to the story, yes I was laid off so I am now filing for unemployment so I've got that underway, however I haven't been paid anything yet because they did pay me a month severance pay so I'm not sure how that fits into unemployment, however I'm still you know like abiding by all the rules of unemployment, still looking obviously I'm looking for employment, well duh. But yeah so I really don't know like my legit October budget, I have no idea what incoming money I have at all. I do know what incoming money is going to be coming in from my part-time job but I have no idea what's coming in from unemployment so yeah. I still can work my part-time job, I just can't work over a certain amount of hours but that's okay because my office that I worked at, well not office but it's a retail location in Fargo. By the time you're seeing this I will probably be moving in the next day or two but I am transferring to the St. Cloud area in Minnesota. It's not technically Minneapolis St. Paul but it's closer to where I'm going to be living for a little while and they only have part-time availability for me anyways so it's fine, it's all good. So at the top as usual I'm gonna put in what I know is coming in and then I'm gonna write out like my list of bills. So I'm just gonna write part-time and I get paid twice in the month of October from the part-time job. I think they're gonna be about the same, I think they're gonna be both at around like the $200 mark. I don't really know but you know it depends on what shifts they give me. Sometimes they'll give me like a four-hour shift, other times they'll give me like an eight or a nine-hour shift so I don't really know and that's all I know that's coming in for the month. However, things are taken care of so that's good. I have been following the Dave Ramsey plan for a while. I'll leave the link to his YouTube channel below if you guys want to watch him. I have already completed Baby Step 3 which Baby Step 3 is a fully funded three to six month emergency plan as well as I already started on Baby Step 3b which is saving for a house. So I am not too incredibly worried about money. I mean yes it would be nice to have more come in. I totally get it. However, I have enough money to live if unemployment doesn't come in for a little while or it takes me a while to find a job. I just don't have that anxiety about money because I've been preparing to actually purchase a home. Thank God I didn't purchase a house in this town but anyway I'm still in Fargo as I'm filming this because honestly this is not where I want to be in life. I don't want to be in Fargo. I moved here for work. Work ended. I'm leaving so that's a good segue into where I'm going to be living. So my parents actually have a summer home in Minnesota and that is where I'm going to be staying. All the expenses are paid minus a couple utilities which I'm going to take care of so I'm going to put those in at least what I know of right now and then you know I can pay it as I go on. So let's put in some of the fixed expenses that I know about and then we'll just keep you know going on. Okay so I'm actually leaving my apartment that I'm currently sitting in right now and my lease is up on October 31. However I've already prepaid for all of October and everything so I don't have to worry about that in October so I do have to pay my health insurance. It's like the Cobra insurance and that is $311.15. I've actually already paid for the month of October because it's due on the first but this will be like for November if that makes sense for you guys and actually let me zoom you in a little bit closer. I feel like it's so far away sometimes when I'm like writing out this stuff so anyway you get a really good view of my nasty nasty cuticles because that's what happens when you move guys that's what happens. Okay so health insurance is a given my cell phone is the same each month 62.55 my insurance actually I need to change over by insurance since I am actually leaving the state so I actually have an insurance friend in the state of Minnesota that wasn't licensed in the state of North Dakota so he couldn't you know help me with my services in North Dakota but since I'm moving I'm gonna go see him and then obviously I need to get different insurance because I'm insured in this you know in North Dakota and not Minnesota so my insurance amount will probably change I just don't know so I just need to actually look up and see how much my insurance is like an auto pay so I don't ever remember how much it is it's like a hundred something every single month and sorry I'm like kind of ill prepared a little bit ill prepared today let's see here we go reoccurring bill pay all right 109.68 all right and then my netflix I think netflix finally went up to 9.99 a month which is fine um it used to be 7.99 for all the streaming but I think it's 9.99 now yep 9.99 okay it just changed um I'm not too worried about the two dollars guys seriously but I know everyone was kind of up in arms about it but I think it's gonna be okay and then also um I'm disconnecting everything here when I leave but I still will have to pay a residual electric bill I'm not sure how much that's gonna be I'll fill that in in just a minute and then also um for October I won't have to play a cable bill here or not cable but like a wi-fi bill here in Fargo but I am taking over or not taking over I'm like starting a new wi-fi service at my parents place because apparently they had like a hotspot and it just isn't working especially for like video uploads and netflix streaming and stuff it just doesn't work out um there's a $50 installation charge and then I think it's going to be around the hundred dollar mark the first month and then after that it should only be like 50 something with tax and fees and stuff but anyway that's just like a one-time fee so um I'm going to budget for around $100 which is just fine and then the electric I'm pretty sure is going to be around the $50 mark I can't imagine that it's going to be any more than that so I'm not going to be putting my master card on here um what I do with my credit card is I actually pay it off every single month like in full and I usually just use it for like fuel for my vehicle sometimes groceries but just to put something on it this month that we're currently in I was really conscious not to put anything on the credit card at all because I knew that I had obviously been laid off from my job so I just didn't want another bill coming in so that is not going to be on this budget because obviously then you pay for it in the next month other expenses I have coming up in October I'm actually going on vacation oddly enough um I've already paid for a flight so I'm still gonna go and it's actually to go to a family wedding in Florida so I'll be staying with my parents and because that's where they normally live so I was planning on doing that anyways so really the out of pocket expenses is going to be pretty much nothing I mean I might use some of my going out to eat food budget or something like that but honestly I don't need anything and I'm only there from like a Wednesday to Sunday and really I'm just going to be hanging out with family and friends so I'm not too incredibly worried about that so under all of these fixed expenses not fixed expenses but pretty fixed expenses I'm going to put like my cash for what I usually do I'm not going to put anything in the clothing budget or anything like that so this month we're just going to do food and then usually what I end up doing is groceries so like grocery food and then like eat out food and I'll actually probably use some eating out food budget because I have friends that live in the area that I'm going to be at so that's exciting okay so my grocery budget for the month I always like to do around $200 they feel like that's good for me especially um you know I usually go to the grocery store every week but a lot of times I'll do like one big trip and then um every week I'll go but I'll get like bananas and fruit and veggies like the fresh stuff and sometimes bread but I'm not really big like bread eater so I feel like $200 is just fine for me I feel like some people always comment like $200 while I can never make it work but think about it it's just me you guys like if you were to be a single person that didn't have any dependence that wasn't married or didn't have multiple people in your household you could probably work off of $200 um and then my eating out budget is going to be about $100 I'm giving myself a little bit of extra leeway there just because I am going on vacation too so that's really my only like cash that I need for the month and I can tell you I have so much cash right now because I have been selling stuff so I won't actually like need to go and get this cash at all so and I'm actually trying to see if I can pay some of these other bills in cash because it's ridiculous like I sold my sectional I sold a bunch of other furniture and just regular like home accessories and mirrors and wall hangings and just like I've been selling so much stuff and cash is a fantastic thing I completely agree with that statement but oh my gosh it's getting ridiculous y'all but it's okay but because I'm still budgeting with that cash so I'm not too worried about it plus I also have my emergency fund and things like that too so let's get this all totaled up and let's see what we got for the totals here so just to cost me to live is going to be $643.37 um minus the food oh you know what I should also put is um uh gas for my vehicle I usually budget around well actually no October I won't be doing any extra traveling so I should um budget around the $100 mark I am going to be in a larger city so things are farther away so yeah that should probably actually go up here but that's okay we'll we'll get it figured out so really and then this is around like the $400 mark down here sorry my phone's breaking out okay so my total is this okay minus the $400 that I'm possibly expecting from my second job so really I need to come up with the $643.37 which is living pretty minimally if you ask me at my parents place that I'm going to be staying at for a little while I don't have to pay rent which is nice but I will probably be taking over some of the utilities and stuff like that too um pretty minimal expenses especially once unemployment kicks in if I haven't found a job by that point so yeah but I am still looking and still trucking on so I think that is going to be it for the October budget I hope you guys enjoyed I know that this is kind of a weird budget because everything got so screwed up from last month I will be leaving a financial playlist in the bottom bar below if you guys are interested in any of my other like finance talk things and if you guys have any like tips or tricks on how to budget a little bit more conservatively when you are going through a layoff or a job loss put them in the comments below I would be really interested to see um feedback of what you guys either have done for yourself when that's happened or like just ideas that you might have if that were to happen to you so I hope you all are having a wonderful day make sure to give this video a thumbs up if you liked it and subscribe I'm here every Monday Wednesday and Friday so I'm gonna let you guys go for now but I will talk to you all in my next video bye guys