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As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...
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bench craft company
An octet of science <b>news</b>
Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...
Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>
Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.
Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized <b>News</b> <b>...</b>
As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...
bench craft company
An octet of science <b>news</b>
Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...
Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>
Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.
Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized <b>News</b> <b>...</b>
As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...
bench craft company
An octet of science <b>news</b>
Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...
Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>
Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.
Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized <b>News</b> <b>...</b>
As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...
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bench craft company
bench craft company
An octet of science <b>news</b>
Perfect Perfume - a video for Valentine's Day - A bit of fun for Valentine's Day as the team combinesto ...
Is This the Best <b>News</b> Picture in the World? World Press Photo <b>...</b>
Jodi Bieber wins the World Press Photo of the Year for her portrait of an Afghan woman who was disfigured by her husband on authority of the Taliban.
Yahoo Unveils 'Livestand' Tablet Newsstand And 'Personalized <b>News</b> <b>...</b>
As an example, he showed off how Surfer magazine, which opens with a large box at the top and three smaller modules below, which resembles Flipboard and many other tablet news readers. The primary difference appears to be the breadth of ...
bench craft company
As times get tougher, many of us continue to struggle with finances. As salaries decrease or stay the same, costs go higher, especially for vital expenses like food, gas, and insurance. Paying bills becomes an even more demoralizing chore, as income and outgo become more and more unbalanced.
Still, at the same time that we're finding finances harder to manage, we're also finding it even harder to change our spending habits. One of the best ways to get your spending habits under control is to put together a budget.
Keep It Realistic
It's tempting to jump in and start assigning amounts to monthly expenses, basing the numbers of what you think you "should" be paying. However, most of the time you're going to assign unrealistic limits on spending that's technically optional, like entertainment, eating out, and recreational expenses. This isn't to say that you can't successfully cut back on these expenses, but cutting them back to what you think is appropriate will likely prove difficult, frustrating, and possibly lead to premature failure of your plan.
Instead of guessing, take time to gather your info before you start hammering out a realistic budget. Keep track of all your spending for at least three months, categorizing every item, so that you know exactly what your current spending habits are. One good way to do this is to set out a group of shoeboxes, labeled with major categories, and toss your receipts into them at the end of each day. At the end of each month, you can tally the costs in each category and not only see what you're spending, but get a better idea about realistic ways to cut back the amounts in various categories.
Be Flexible
It's important to remember, too, that there are times when, in spite of your best efforts, you'll spend more than you've budgeted for a given month. Emergencies happen. Tires go flat, kids get sick, and appliances break. These unexpected expenses need to be factored in. If you can, set aside a certain amount each month that can go into an emergency fund, so that when you do need to face these emergency needs, you'll be prepared.
Other factors can throw your budget off, as well. If gas prices suddenly soar, as they're wont to do, this budget item will be off from your estimates. Or you might have a particularly busy month shuttling kids from place to place and both burn more gas than expected and also eat out more. Don't beat yourself up over these fluctuations. Either shift your goal for the next month, allocating a bit more money to gas, or find another place where it's easier to cut back. After all, while you'll often spend more than you expected, you're just as likely to spend less than you expected. Being willing to be flexible from month to month will allow you to take these shifts into account.
Whatever method ends up working best for you, the very act of scrutinizing your finances at this level will likely cause your spending patterns to shift. As you become more aware of how and where you overspend, you'll automatically start tallying the dollars in your head, making it easier to keep your spending within reasonable limits.
Don't wait until the first of the month to get started. You can start working with your budget any time. And there's no time like the present, so start tracking those numbers.
Sources: http://www.seekingsuccess.com/articles/art138.php
http://www.moneyinstructor.com/budgeting.asp
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