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Archive for Budget
Mar
10
Setting Up a Personal Budget
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Why is it that the word “Budget” seems to create such fear in so many people? It’s as if using one will take all the fun out of life because it’s some sort of draconian money management scheme that ties up all your money. Fortunately setting up a personal budget is not that complicated and if done correctly it can free up money to the point that it looks like you are getting a raise.
If you’ve thought about making a household budget but have reservations or just haven’t taken the plunge there is no better time then now. The first thing to do is understand that it isn’t all that complicated. All a budget is is a listing of expenses and income. It really is that simple. You don’t need the latest book, spreadsheet, or budgeting software to get started all you need is a notebook and pencil.
Once you have you pencil and paper ready go back through all your bills for the past three months. It is also helpful to have your checkbook register handy because on your sheet of paper you are going to write down by expense how much you spent. Add up each expense and then divide by 3, which is the amount of months you have gone back. This will give you a monthly average for each expense. Add up all the expenses and write this down at the bottom of the page.
Now on a separate piece of paper write down all your monthly income. Include income from regular jobs, part time jobs, investment income, or any other income you might have coming in each month. Add that up and write it down at the bottom of the page.
Now’s the time when most people look at the income and the expenses and a huge gasp of disbelief leaves their lips because they are spending more money then they are making. If this is you look at that number closely and then use that budget of what you have been spending to create a budget for the next month of what you will be spending. This is what a personal budget is, a spending plan that tells your money what to do and where to go.
Look back over your expenses and start finding things you’ve been spending money on that just doesn’t make sense. How often do you eat out? Trips to Starbucks? This is the time to stop the bleeding and recoup all that money that just seems to disappear every month because you don’t want to wake up one day and wonder why you don’t have any money for the future.
Here’s the crux of the budgeting process. You have a snapshot of where your money has been going based on the expenses you have written down. Now instead of looking at the past let’s translate these expenses to the upcoming month. If you write down all your expenses for the upcoming month and allocate funds for these upcoming expenses you have won half the battle. This ensures that your bills are paid and every dollar you will have coming in has already been told what to do before the month even begins.
One last word about setting up a personal budget. Be patient, the first couple of months you do it it will not work out quite as you had planned. It will take some tweaking to get the process down but by the third month you should start to get the hang of it and before long you will have control of your financial future.
If you seriously want to take back control of your money you need to build a Personal Budget. To learn more about creating a budget please visit the website Household Budgets by clicking here.
Mar
09
Easy Ways to Save On Your Wedding Dress
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Vivebridal.com offers Wedding Dress, Evening Dress, Prom Dress, Bridesmaid Dress, Short Dress, Flower Girl Dress, Accessories and so on. We are that you provide dyadic shopping of body platform. Be in here, you can find the product after self’s own heart and get first class service.
It happens too often that brides go shopping for a wedding dress, fall in love with one, and then find that it’s way out of their budget. Then they are either heartbroken because they can’t afford the dress or spend money they don’t have to get it anyway.
Stick to your budget
Most brides have a general budget in mind when they’re in wedding dress shopping, but they usually spend more than what they originally thought. Don’t go shopping until you have some idea what dresses cost so that you can set a reasonable limit for yourself.
Once you have this limit in mind, you should alert the bridal boutique assistant that you only want to see dresses within that price range. You can also look through online auctions and dress exchanges if you budget it really tight, but be sure you don’t spend more than you can afford here either. Even a cheaper dress can be beautiful with the right accessories.
Steer clear of intricate embroidery and bead work
Hand-sewn embroidery and embellishments take hours to complete, so they cost a lot. Instead of that overly-embellished expensive dress, go for one in the same style that is plain. You can always add a few embellishments yourself or glam it up with accessories.
Do it yourself
There are so many great dresses out there that it doesn’t take a lot of effort to design your own dream dress. Simply mix and match styles from magazines and online pictures, and take your finished amalgamation into a dressmaker for help in creating the finished dress.
You can also make your own dress if you are an excellent dressmaker. You can find all kinds of patterns and fabrics online and in specialty shops, but you shouldn’t try to make your own dress unless you definitely know what you’re doing.
Use a bridesmaid’s dress
There are so many elegant bridesmaids’ dresses out there that you can double up as a wedding dress as many of the styles come in shades of white or cream. Choose a full length or tea length dress, and use bridal accessories to disguise the fact that it’s not actually a wedding dress.
Consider a secondhand dress
There are plenty of websites and specialist shops right now that sell used wedding dresses, so they aren’t hard to find. Use eBay and local secondhand shops to see what’s out there, but be sure you check the dress thoroughly for wear and stains before you buy it, and buy a size or two larger than you normally wear so you know the dress can be altered to fit you.
For more information ,vist:http://www.vivebridal.com
Mar
05
Celebrate Your Festival in a Better Way With the Festival Tents of Pop-up-tent
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When you visit the market to fulfill your needs related with camping accessories find several providers with exceptional collection of tents. People look for both traditional and pop up tent.
In the recent times, customers giving priority to pop-up-tents as festival tents have increased to a considerable extent. This is basically because pop up tent is more durable, handy and expedient to use.
It is a fact that people go for distinct strategies while selecting their desired products. The products and accessories associated with camping are also not an exception to it. Customers give priority to pop up festival tents on the basis of quality and durability or colors and designs or even on the basis of budget available.
There are not many providers of pop up tent that can offer you extraordinary quality within a nominal budget. Every provider wishes to fetch best share of money. In today’s competitive market one will find a great difference between the final products offered and that actually claimed before. The setback can be on the basis of services offered, features of the products, or demanding more than the genuine market price.
Can you find a provider for pop up festival tents that can offer you a better deal without sacrificing the quality but by reducing a little bit its own share of profit?
You can! You can certainly find one such company that always stands in the favor of customer welfare. It offers best pop up tent with outstanding features at the most reasonable rates. If you have one such company in your reference then you can go for it otherwise tries for the products offered at Pop-up-tent.
Pop-up-tent is an online provider of pop up tents and other camping accessories. It is presently mounted on the no. 1 position among all the retailers present online. It is consistently maintaining the trust of the customers and a dignified position in the market because of the following reasons.
Ø Well researched categories of products: the products offered are extraordinary as well as exclusive. You can make over here a better deal in the products like Quick Pitch SS XL, Quick Pitch SS Camo, Quick Pitch Evolution 2, Quick Pitch SS, Quick Pitch DS, Country Love Wellies, Leopard Print Festival Wellies, Autumn Paisley Wellies, etc.
Ø Site map: if you are visiting Pop-up-tent online for better deal in pop up festival tents then you can accomplish it within a quick succession of time. It will make your navigation search quite easy because you can reach on to any section of the site in just one click.
Ø Support: Pop-up-tent offers an excellent customer support. You can contact the support staff via mail to get immediate response to your questions. The support team is highly dedicated and reliable and there is no chance of facing trouble sooner or later on!
Ø A better deal: if you are looking for a better deal then Pop-up-tent is the right place for you to visit. All the terms and conditions including prices, payment and delivery, cancellation and return policy, and internet security will be displayed and cleared in advance.
So add thrill to your celebrations now!
For best pop up festival tents you can trust upon the best pop up tent provider in the market i.e. Pop-up-tent.
Mar
01
Building the Outdoor Play-set / Jungle Gym of your Child’s Dreams… on a Budget!
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As life in the suburbs has gone to bigger and better things.. from square footage to yard space⦠childrenâs play sets have grown up and gone in the direction of bigger is better as well. It wasnât so long ago that if your friend down the street had a simple swing set â they were the envy of the neighborhood. Now the envy of the neighborhood child is the friend whoâs family has graced them with the newest âPlay â System.â
The terms Play-systems, Jungle Gyms, Forts and Swing Sets are pretty much interchangable. At many stores selling outdoor play equipment calling a swing set a âPlay Systemâ simply means theyâve added a few extra dollars in the cost of the product. And while the sticker shock of such systems will remind many of us of how much we paid for our first car⦠it simply doesnât have to be this expensive.
With some very basic carpentry skill matched with time and a little effort, a Do-It-Yourself Swing Set or Fort is easily achievable. D.I.Y. swing set kits today are basic and easy to understand.
These kits come with fully illustrated step-by-step manual taking you through the entire process from lumber purchase, cutting, drilling, and assembling to adding the finishing touches.
You could even make it a Christmas gift⦠one that will undoubtedly seed great anticipation for spring, but that would allow for proper planning and budgeting of the system.
Play set
First a quick run-down of some typical questions asked when planning for a Do-It-Yourself swing set:
What’s my budget?
Some smaller D.I.Y. Play Sets run as little as 295$. ** BUDGET SAVER** Many play sets have to charge a hefty fee for shipping the slide. That is because this is the only item that has to be boxed and freight shipped. A good way to save money is to buy your slide locally. Check with your local big-box hardware store first.
Lumber, bought by you locally, for smaller jungle gym plans is approx. $175 = A total price for a nice play set would run $470. On average (including your lumber costs) a basic set can be built for under $600, medium sized under $900, largest models $1,200. (That is cost including the slide)
How much time do I have available to work on this project?
Most of medium sized D.I.Y. swing set, fort kit and jungle gym plans with swing beams can be completed in a weekend (12-16 hours).
Good swing set kit plans help by avoiding pre-drilling and angle cuts when possible. In addition, they keep the design of their frames and swing beams simple without comporomising strength.
Do I have the required tools?
All D.I.Y. jungle gym plans will include a ‘required tool list’. Believe it or not.. 90% of the plans available require 3 âpower toolsâ a ‘circular saw’ and ‘electric or cordless drill’. Only commonly found tools and basic carpentry skills are required to assemble these kits. The swing set plans, swings, accessories, hardware, etc. is all included with the kit. Lumber is purchased by you locally and consists of 2×4’s, 2×6’s, 5/2×6’s and 4×4’s.
Here is a quick guide to an easy and budgeted play system.
1. Research! Start by determining the system you desire **Determine if a slide for your kit is available locally. This will save you close to 100$ on the cost of shipping a slide as freight from the manufacturer!** Kits (without the slide) typicaly includes: brackets / bolts / swing seats / chains / tarp roof (if included) and blue prints. Make note of what tools are required.
2. Purchase your swing kit. A standard kit for a 5â x 5â Fort and three swing beam system costs around $300 (Not including freight shipped slide)
3. Once you have your kit, determine and budget for the lumber purchase. A way to save a few extra dollars is to price the lumber by contacting local lumber stores. Donât always assume that your local big-box hardware store has the cheapest wood available. Taking the time to price your lumber sheet can save you as much as 25% on the total cost of your system. The lumber cost for a system like the one mentioned about should run around $250
4. The final step before building is to determine if you want to prep the ground area. Will you want to use a tiller / dig the area out and add mulch or padding of any type? While this will add to the final cost of the project it may save you possible bumps and bruises in the future.
Finished. Now with a little sweat equity you have built a $1,400 play system for nearly half the price. Keep in mind that the above is assuming you are looking at a basic Fort / Slide / and Swing Set. The designs of play systems available get much more dynamic for not much more in cost.
To view a variety of do-it-yourself play systems available on-line go to www.PatioandPlay.com/swing-set-plans-and-kits. These playsets can be delivered to your door for no additional cost. You can accessorize your play set with swings and toys based on your child’s age and interests and update them as your children grow. For a selection of accessories go to: www.PatioandPlay.com/swing-accessories
Kari Smith is a freelance writer based out of historical Charleston, SC.