Wondering what keeps me busy for the past few days? You won’t believe it but I have been into playing casinos. No, I don’t go out just to play that game. I am just sitting here on my couch, hanging on the online casino site. Yes, you heard it right, online casinos are can be found on the internet with lots of exciting casino games available for all of us. Come and join me in trying our luck to win more bucks and have a whole lot fun experience.
What Is A Budget? A budget is a spending plan that includes everything you will spend money on. A good budget is a spending plan that includes everything you will spend money on and stays within your income. A wise budget includes everything you will spend money on, savings for a 'rainy day', savings for large purchases, giving, savings for kids, and investment for retirement and still stays within your income. I suspect the wise budget is a bit over the top for you if you're new to budgeting. Caution! No matter how detailed your spending plan is, if it does not include everything you spend money on, or, if it does not address where you will get the money to cover all your expenses, it is not a budget. These Personal Finance Books may help you plan your money and execute your plan.
Why Budget? I suspect you already know why or you wouldn't be reading this. If we don't budget, we lose control of our expenses and can't even figure out where the money went. Worse, yet...we can't figure out where we'll get the money to cover that big bill we forgot was coming. If you have trouble committing to or staying within a budget, take a look at Compulsive Shopping Addiction.
Budgeting Tip 1: Get the whole picture. Start by collecting all checking account and credit card statements for the last year. Collect all cash receipts for the last month (or next month if you don't do this). Don't forget cash spent on co-payments, mocha's, haircuts, etc. Now collect all receipts for financial contributions to charity, including Girl Scout cookies, etc. Collect all pay stubs, deposit receipts, etc.
Budgeting Tip 2: Record the whole picture. Use all the stuff you collected to record a 'picture' of what you spent last year (use a pencil and have a big eraser on hand. You can print and use our Family Budget Worksheet to make this job easier. Don't be surprised if this takes a lot of time with a calculator and scratch paper.
Budgeting Tip 3: Check off the lines on your documents as you account for them in a budget item. That way you don't put the same thing in more than one item and you don't forget anything.
Budgeting Tip 4: Formulas:
Convert regular weekly pay to monthly: Weekly Pay x 4.333 = Monthly Pay
Convert bi-weekly pay to monthly: Bi-Weekly Pay x 2.167 = Monthly Pay
Convert annual totals to monthly amounts by dividing the total by 12.
Budgeting Tip 5: The Family Bills For Monthly Expenses part of the Worksheet is just for regular monthly bills, savings and investment. If insurance, for instance, is billed monthly, it would go here.
Budgeting Tip 6: If the insurance, however, is billed less often than monthly, the total annual amount would be divided by 12, and that number would be listed in the Impound Budget For Non-Monthly Expenses. Don't forget to list the month it's due to be paid. This 'Impound' section is a powerful and unique tool to save monthly for all your annual expenses and avoid those nasty surprises.
Budgeting Tip 7: Include everything you regularly pay cash for in the Cash Budget-Monthly section.
Budgeting Tip 8: After you total everything, you may be surprised to discover your expenses are larger than your income. This is normal, I'm sad to say. The amount your expenses exceed your income is the amount you add to your credit cards and other consumer credit balances every month. Note: When I did this the first time I discovered I was spending $ 250 more than my income each month. If your income is larger than your expenses, the difference is the amount you can add to savings, etc.
Budgeting Tip 9: Review your budget worksheet to see if you can spot any errors, to try and find areas where you feel your spending is excessive, and to consider if any expenses (maintenance, insurance, taxes, etc.) will increase over the next year...make necessary adjustments and re-total.
Budgeting Tip 10: Make sure you keep a savings balance for a "rainy day" that matches 6 months of your net income. After you've accumulated that, you can begin investing and buying some of those things you just want.
Budgeting Tip 11: Giving or donating is as important as paying a bill. Give this a try! You should have an amount designated on your family budget for giving. Even if you don't take part in a regular charity or church giving program, make giving part of your budget. There is a great deal of evidence, from 2,900 years ago right up to the present, that what you give comes back to you multiplied. Do it for a year and see what happens.
Netrepreneurship has become famous these days. And even I make it as my business at the moment. Who wouldn’t be when it can really make me more money just by sitting here in front of my computer? But to make it easier for us, say I have restricted contents on my blogs or websites, I would only give access to those who will get to purchase password by call.
This may sound strange to you, so better read on as it can surely help you make your business a success. How? Your restricted contents can be accessed once a user purchased the password by calling at passwordbycall.com. For webmasters, in every call, you get to earn $10.00 already. What more when a multiple of callers purchase a password in a day. Now you seemed so interested and excited. So what are you waiting for? Use those restricted contents for your business by letting them call for the password and voila! It would cause you more and more money.
It’s so easy when you start visiting the site. It won’t hurt if you consider this to be a part of your online business, right? In fact, it will give you a great deal of hassle-free transactions with your customers.
Men and women have their own differences. As for the mens lifestyle, men enjoy the company of their fellow men, with alcoholic drinks and cigarettes in front of them and of course, with beautiful ladies around them. But do you know that part of their lifestyle is watching funny videos? Yes, you read it right. Men are fond of watching videos like that. They love to laugh aloud and that serve to be an appetite booster to their jam. Most of the time, watching funny videos isn’t just for men alone. Even women are also fond of watching them at their leisure time. And it feels great to enjoy watching them as videos like these fill everybody’s day with laughter. As the adage goes, “Laughter is the best medicine,” actually works in a person the moment you start laughing just by watching a funny video.
If you are a man and part of your lifestyle is watching funny videos, then you may wish to visit bush league for a lot more funny videos to make your day a wonderful funny day. Check it out soon for endless laughter you’ll surely enjoy.
When I arrived at
"Hi, I'm Janet." I tried to sound cheerful, although I already knew Rose's reputation for being impossible to work with. "I'm scheduled to work with you this week."
Rose, a middle-aged woman with graying hair, stopped what she was doing and peered over her reading glasses. I could tell from her expression she wasn't pleased to see a student worker.
"What do you want me to do? Start the coffee?"
Rose sullenly nodded and went back to checking name tags.
I filled the 40-cup pot with cold water and began making the coffee when Rose gruffly snapped, "That's not the way to make coffee." She stepped in and took over.
"I was just doing it the way our supervisor showed us to do it," I said in astonishment.
"The patients like the coffee better the way I do it," she replied curtly.
Nothing I did pleased her. All morning her eagle eyes missed nothing and her sharp words stung. She literally trailed me around the kitchen.
Later, after breakfast had been served and the dishes had been washed, I set up my share of trays for the next meal. Then I busied myself cleaning the sink. Certainly Rose couldn't criticize the way I did that.
When I turned around, there stood Rose, rearranging all of the trays I had just set up!
Totally exhausted, I trudged the six blocks home from the University of Minnesota Hospital late that June afternoon. As a third year university student working my way through school, I had never before encountered anyone like Rose.
Fighting back tears, I wrestled with my dilemma alone in my room. "Lord, what do you want me to do? I can't take much more of Rose."
I turned the possibilities over in my mind. Should I see if my supervisor would switch me to work with someone else? Scheduling was fairly flexible. On the other hand, I didn't want to be a quitter. I knew my older co-workers were watching to see if my actions matched my words.
The answer to my prayer caught me completely by surprise -- I needed to love Rose.
Love her? No way! Tolerate, yes, but loving her was impossible.
"Lord, I can't love Rose. You'll have to do it through me."
Working with Rose the next morning, I ignored the barbs thrown in my direction and did things Rose's way as much as possible to avoid friction. As I worked, I silently began to surround Rose with a warm blanket of prayers. "Lord, help me love Rose. Lord, bless Rose."
Over the next few days an amazing thing began to happen. As I prayed for this irritating woman, my focus shifted from what she was doing to me, and I started seeing Rose as the hurting person she was. The icy tension began to melt away.
Throughout the rest of the summer, we had numerous opportunities to work together. Each time she seemed genuinely happy to see me. As I worked with this lonely woman, I listened to her--something no one else had done.
I learned that she was burdened by elderly parents who needed her care, her own health problems, and an alcoholic husband she was thinking of leaving.
The days slipped by quickly as I finished the last several weeks of my summer job. Leaves were starting to turn yellow and red, and there was a cool, crispness in the air. I soon would be returning as a full-time university student.
One day, while I was working alone in one of the hospital kitchens, Rose entered the room. Instead of her blue uniform, she was wearing street clothes.
I looked at her in surprise. "Aren't you working today?"
"I got me another job and won't be working here no more," she said as she walked over and gave me a quick hug. "I just came to say good-bye." Then she turned abruptly and walked out the door.
Although I never saw Rose again, I still remember her vividly. That summer I learned a lesson I've never forgotten. The world is full of people like Rose--irritating, demanding, unlovable - yet hurting inside. I've found that love is the best way to turn an enemy into a friend.
"Love your enemies! Do good to them! Lend to them! And don't be concerned that they might not repay. Then your reward from heaven will be very great, and you will truly be acting as children of the Most High, for he is kind to the unthankful and to those who are wicked."
Luke
