Video summary
In this weekly budget update for September 14th through the 20th, the host Yosha returns to her signature method of planning with confidence using a physical planner, though she notes it has been some time since her last paycheck budget video. She begins by explaining her specific income streams for the week, which include estimated earnings from her nail services, her business Norris Cove, and her hair styling work as a licensed cosmetologist. After totaling these guesstimates to arrive at an initial income of $1,985, she immediately addresses unexpected expenses that have already been deducted, such as a charge from HP Inc., a payment to Ally Financial, and various Afterpay installments for Planet Fitness and other purchases. She also accounts for a significant $300 expense related to Sweet Ranch, bringing her total known outflows before allocating funds to specific categories.
Following the deduction of these irregular bills and a planned $60 gas expense, Yosha moves on to filling her envelope system for miscellaneous items, food, groceries, salon supplies, and office paper. She candidly discusses her strategy for controlling spending in the grocery category, admitting that she previously wasted money by buying ingredients for healthy recipes while working out but is now being more disciplined with her budget. After allocating funds for these necessary categories, she calculates a remaining balance of $384, which she intends to distribute further into her high-yield savings accounts. She plans to move $25 each into Marcus, a CD account at NFCU, and Ally, totaling $75 in savings transfers, leaving a final cash reserve of $309 for immediate needs or emergencies.
The video concludes with Yosha setting aside the remaining funds for long-term goals, specifically earmarking money for Christmas gifts and an upcoming girls' trip, acknowledging that she will likely add more to these categories later as her budget evolves. She reflects on her process, admitting she feels a bit rusty after stepping away from regular budget videos but expressing her determination to get back into the swing of things by printing more planners and continuing this weekly series. Throughout the update, she shares personal details about her workspace, including festive decorations and a new planner shipment, while encouraging viewers to subscribe and comment if they are new to her channel. She promises to return next week to review how well the budget held up, what was left over, and which bills were successfully paid off during the week.
Read the full video transcript
Hey friends, welcome to or welcome back
to Norris [music] Cove. If you're new
here, I'm Yosha and here at the Cove, we
like to budget and plan in confidence
using [music] a planner. But today, you
guys, I have a surprise surprise. We're
going to be doing a paycheck budget.
[music] I'm going to It's been a while.
I don't think I've done a paycheck
budget since May. I may have came in
here and did July. So, let's And this my
last page, so I have to print some more.
I've already filled in my [music]
September. It's a little
festive, I'll say. And I'm not going to
mention anybody's name, but somebody had
me without a sticker book. Okay, but
anyway, [clears throat]
[laughter]
let's get started. So, this is the week
of the 14th [music]
through September the 20th.
And let me move this out the way.
So, some of the bills have already come
out and [music] even for this week. So,
we're going to do rollover. And I tried
to remember my rollover and my rollover
was [music] like 6:42.
Okay. And then hair,
nails,
and [music] no co. I know it's been a
while since I did a budget video, but
for [music] those who are new, um,
rollover is just what was left in my
account before the week started. Um,
hair because I'm a licensed hair
stylist, [music]
licensed cosmetologist, so I do hair and
nails. So then this is my income from
nails. And then this would be my income
from Norris Cove. And I just short it by
saying no co. [music]
And I already know we I think it's $93.
And then [music] nails this week I think
we're going to do 150. And [music] then
hair I'm going to put it at 1,100.
So these are just guesstimates. So let's
just do a little totaling.
So, we have a total of 1985. [music]
All right. So, the 14th [music]
something came out. I have my planner
here. Let me look in here because I
wrote down that something came out when
it wasn't supposed to.
Yes, Shopify. That was last week when
that came out. Something else came out.
Was it?
Was it Shopify? [music] It was something
that came out that wasn't supposed to
come out yet. Oh, HP Inc. So, that came
out here. [music]
At least that's when I saw it. So, let
me go ahead and put that in.
And it was like 26.49, [music]
I believe.
Okay. And then we have Alley, which is
actually due today. [music] I went ahead
and scheduled that payment. So that's
750. It'll end up coming out
this week. And then Shopify was down for
this week, but it's [music] already come
out. And then we have Planet Fitness
on the 17th.
I need to double check that, but it's
like $25.
Okay. And then also we had some
Afterpay. So, one has already come out
and that was today
and that one was for 2148.
And then my next Afterpay is the 18th
and that is
1752.
And then we have sweet ranch.
Uh-oh. That is 300.
Let's do a total of these things here.
Y'all, excuse me cuz I am a little
rusty. I have not done a budget video in
a long time. And the other day I was on
my walking pad and I needed to just walk
for like 22 minutes and I just watched
the old budget video so I could kind of
get back into um the swing of things. Uh
1752
and then 300.
So that ends up being $1,140.
We're not going to put the change on
there. And then remaining from 1985
leaves $844.
I'm not going to put this in on there,
but $844.
And then so expense, I know I have gas
coming out. I put $60. That's all it was
going to get.
>> [clears throat]
>> And then here for envelopes, I'm going
to put my main envelopes, miscellaneous,
food, and grocery. I'm trying to keep up
with that this time. Uh salon, I know
I've spent some money in salon this
week. And then no code, we needed paper.
And then the Shopify, all of that came
out of that. So, um let's do a little
guesstimating. So we have $844
subtract 60.
This leaves leaves us with 7.84
and then so we're going to work that 784
on down. So miscellaneous I kind of do
150
if I can.
So that leaves us with 634. Food and
grocery. I've been doing kind of good
this week of not just keep going to the
grocery store because when I am working
out, losing weight, I tend to go to the
grocery store a lot making all these
different quote unquote healthy recipes
and end up kind of wasting money. So,
I'm willing it in. So, I'mma put uh
another 150.
I was spending almost triple that. So,
I'm left with 4.84. I did buy some
things for the salon. Um, and I think I
need a few other things. So, I'm just
going to put
uh 50 here. And then no code. I bought
paper. I'm might have to order some more
paper. So, I'm going to do 50. So, we
was at 484. Let me go back up here. 784.
Subtract.
Should have put it up there. 60
equals 724.
No, that was that 784.
Subtract 300,
subtract 50. Yeah, I'm a little rusty.
Another 50.
And that leaves us with uh remaining
384.
So that is 3400 here.
And we have a remaining of 384. Now, I'm
trying to do better about moving money
into my high yield savings account
because I have more than one. So, I'm
starting with like $25 to different
ones. And so, last week I did Marcus um
which actually just came. Matter of
fact, that came out this week. So, let
me put Marcus here. That's what came
out. That's what it was. It came out
this time. So, uh 25.
This one I'm kind of starting over. So,
I don't need to write the balance. And
then I want to send 25
to a CD. And I'm going to slash it with
NFCU.
So, I want to send 25 there. And then,
um, Ali
25. So, that's $75 into savings. So,
let's subtract it from the 3.84.
That's 309. That leaves me 309. This is
75.
And I have $39 remaining. Now,
I'm going to leave that $300 because
also I have some cash on me, but I
forgot to bring it down. I'm going to
start back uh cash stuff and envelopes
and I just got to dig them out, blow the
dust off of them because it's that time
of year. I'm going to matter of fact
just add this category but not put
anything here. Uh Christmas. And then at
the next week, we'll come back and see
what I put into these categories. So, we
have Christmas,
we have um girls trip, and we're going
away for Christmas, so I want to have a
little extra there. And then girls trip.
Those are like the only two things that
I think I need to long-term save for.
So, that's it. So, we'll see how much I
put in those, but it'll probably be
roughly like $25, $50, something like
that. But, this is what we have for the
budget for the week. I hope I wasn't too
all over the place. Like I said, I have
to kind of get back used to um
doing my budget here with you guys cuz
sometimes I've just been putting it on
some paper or as you saw in my other
planner, I'll just do it that way. So,
I'm going to print some more of these so
we can kind of continue the year out
with some budget videos for you guys.
But back to
um
the monthly.
Also, I had this pen that I was um
marking things off of. I have to come
back in [snorts] and fill in my goals
and things like that. So, now we know
that Navy Federal, we paid them. We paid
Cap Cut, Apple Music. So, Ally got paid.
I did this appointment.
Um, the money is in my account for
Planet Fitness. So, that's there. I feel
like I feel like it's something I'm
forgetting. It will come to me. I'm
going to write in the HP came out on the
14th
so I know to put it into November.
That orange kind of reminds me of
September. So, that's why I have the
little orange going on. And I just
[clears throat] um did a little deco,
you know, just to spruce it up. But I
can't wait to show you guys my new
planner that I got coming and how I plan
to use that. I just saw that it was
shipped. So yeah, and I got a couple
videos uh coming up for you guys. Um
matter of fact, I think I need to do
another one after this one, which will
be probably be a flip of my business
planner. But for now, this is it as far
as the budget. We will come back next
week and show you how everything went,
what we had left over, all that great
stuff, and what got paid. So again, if
today was your first time watching any
of my videos and you enjoyed today's
video, do me a favor, hit that subscribe
button. Also, come back for more. Leave
me a comment in the se in the com leave
me a comment in the comment section
letting me know that you're new so that
I can welcome you to the cove. And I'll
see you guys later. Bye.