Personal Budgeting: An Imperative

Budgeting is a basic part of accountancy.

Nations, states, cities, towns and every incorporated company have budgets. Every private company, or other commercial entity, worth its salt has a formal budget. So why is it that the vast majority of people do not use a formal budget in their private lives? They do budget of course. We all do in one way or another. But very, very few people have a good enough memory to successfully budget informally – that is, without writing it down. And it's when we forget to allow for some expense that we get into trouble. We get into debt. Is not that just about the worst feeling in the world – to be in unplanned debt?

To be poor is a sad experience – it's a state of mind. To be broke is an uncomfortable experience – but it's a temporary condition. To be in unplanned debt can be gut wrenching. And generally speaking, unplanned debt is just plain carelessness.

Why then does it happen? Simply because in the days before computers and calculators budgeting was a boring and time-consuming task. There was an awful lot of adding up to do and the darned thing had to be continuously adjusted as time went by, usually every month at least. So it was not surprising that most people just did not bother and as the generations passed by, so did the practice of ordinary people not preparing budgets for their personal finances. They just did not think that the value derived from maintaining a personal budget was worth the time consumed.

So what's changed? One very important factor: personal computers – they've just made it so easy that if you do not budget, you're making life unnecessarily difficult for yourself. It is now well and truly worth the very small investment of time to input a few lines of data every week. Because from that the computer can give you more financial reports than one person is ever likely to need. It will produce reports on tax payments; about what you've sent; about where you've spent it, about what you've spent it on and it will do that for any given period of your choosing. It'll find transactions that you've forgotten about but that suddenly you really need to know about. It will tell you how much money you will have in the bank next Christmas (or what you've got to stop spending money on so that you will have the amount of money you need in the bank next Christmas.)

The really big thing is that you will be in charge of your finances. It makes it so easy to explain to your dependents – be it spouse, partner or children; just exactly what the household can afford to spend, on what and when. Ninety-five percent of the arguments about money will go out the window because people will be able to see clearly what can and can not be done. If we buy you that cell phone, we will not be able to buy that game. You get the idea.

What software is best? Well there's no shortage of it. It's not expensive. The best is less than a hundred dollars and you'll save that in no time flat. Check out the choices available, and choose the one which best suits your personal needs. It will be well worth whatever you decide to invest in it. And it will most definitely save you lots of headaches and heartaches in the long run, if used properly.

How to Address Cell Phone Water Damage

There is nothing more frustrating that dropping your prized cell phone in a liquid, be it the kitchen sink, bath tub, coffee, tea, beer, or a swimming pool. When this happens the immediate feeling is one of despair and annoyance. But do not give up hope, all is not lost. It is possible to fix cell phone water damage and once again get it working as good as it was before the accident occurred.

If you have dropped your phone in any liquid the most important consideration will be how long it has been immersed for and how quickly you can find a solution. If your phone has been in a bath tub of water overnight the chance of it working will be slim as the circuit board is likely to have been irreparably damaged, but if it has only been in the water for a short time there is every possibility you can fix the device and save yourself having to spend out on a new handset.

As soon as you realise the problem you should remove the battery. If the battery is still connected the chance of serious damage occurring will be greater as even a small voltage can be conducted through water leading to a big problem. Don’t worry if the battery itself will not work, this would not be so expensive to replace.

Next you should take apart the phone into as many individual sections as you can safely do. If possible remove the touchpad and screen as these may hold some amount of liquid. If it is a sunny day place all the parts in direct sunlight, this would help any moisture that is present to evaporate. If the accident has occurred at night or on a rainy day your best option would be to try to dry out the circuit board and other parts with a hair dryer or by placing next to your home’s central heating boiler.

An interesting alternative and one that has helped many people recover damaged cell phones is to disassemble the handset and then place the pieces in a bowl of uncooked rice. As rice absorbs moisture quickly it will help to suck out any drops of liquid that may be there.

Do not place a cell phone in a microwave oven or other cooking equipment as you may end up causing a greater amount of harm. As long as you take quick action tp address cell phone water damage you should find that you can still make full use of your precious gadget.

4 Ways to Lose Weight Before and during the Holidays

Here are 4 tips if you are trying to lose weight before or during the holidays.

When the holidays are approaching, you might be worried about how much weight you might gain. Perhaps you started a diet during the summer and are doing well, but now the trips and big holiday dinners are causing concern. Or you lost weight in the spring and now all those July 4th and summer barbecues are looming. Do not worry! You can still lose or maintain your weight through any holiday season.

Drink Only Water

One of the best ways you can lose weight and continue losing even through the holidays is by drinking more water. The majority of what you drink on a daily basis should be water. We have all heard the 8 cup of water a day rule, right? Another recommendation is to drink half your weight in ounces of water each day. Also try to drink a glass of water before and after any other type of drink. So if you are at a holiday party and want a glass of champagne, drink a full glass of water beforehand. You are not allowed another glass of champagne or wine until you have another glass of water. This helps to limit how much alcohol you end up drinking.

Indulge, But Not Too Much

The problem with wanting to indulge during the holidays is that you feel left out if you can not have trees. If you keep denying yourself too much, you might find yourself on Christmas Eve, (or New Year's Eve, or Labor Day weekend), eating everything in sight because you went without for so long. A good way to remedy this is by letting yourself taste everything, but not over-indulging. If you are at Thanksgiving dinner, have a small small portion of each food item, but not a full portion.

Remove 1/3 of Your Meals Immediately

When you are eating out for the holidays, this is another time when you might indulge a little too much. This can make it really hard to lose weight. If you decide to order something that is not as light and fit as it could be, separate your meal immediately. Ask for a to-go container when your food is served. Then take 1/3 of the meal and place it in the container. This decreases how much you end up eating. It also lets the meal last longer.

Top Food With Salsa

Instead of putting cheese, sour cream, or guacamole on top of your food, consider adding some salsa. This adds a lot of seasonings and is extremely low in fat and calories. The majority of salsa is just tomatoes, jalapenos and onions, so there is not much to it.

Fitness And Nutrition For Health

In the age which we live there is an unprecedented focus on getting and staying healthy. As more and more research points to the effect of fitness and nutrition on our overall health, the findings become more difficult to ignore. There is no doubt that the food that we eat and the physical activity that we perform significantly impact our weight and our body’s overall health and longevity.

When you look at fitness and nutrition and the consequences of ignoring their importance, it is not difficult to see how large a role they play in our health. First and foremost, it is important to understand how powerfully diet can affect us. Natural, whole foods – such as fresh vegetables, fruits, whole grains, and lean proteins – give our bodies the vitamins that it needs to function effectively. We have energy when we eat right. And when we have energy we burn fat. Eating properly allows us to maintain a healthy weight and keep undue stress off of our hearts; it also allows us to keep our blood pressure and cholesterol levels in the healthy range. Most importantly, good nutrition keeps our bodies stocked with antioxidants that fight off a range of illnesses including cancer.

But nutrition does go it alone; fitness and nutrition go hand in hand for achieving good health. When we keep our bodies active through a consistent exercise program, we are adding to our body’s ability to metabolize food and keep weight down. Further, good fitness means strong and limber muscles and a strong cardiovascular system. Exercise also lowers blood pressure and reduces stress levels.

Learning how to pair fitness and nutrition for optimum health means a commitment to a particular lifestyle. It is essential that you revamp your diet to eliminate fatty, high-sodium, and processed food and replace it with fresh, natural – and even organic – choices. But remember, fitness and nutrition work best as a team. Implement a consistent regime of physical activity into your daily schedule including cardiovascular work, stretching, weight training, and even yoga or Pilates.

When you truly understand the importance of fitness and nutrition in your life, you will understand how crucial these lifestyle changes are in order to live a long and healthy life.