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.

Ways for University Students to Make Extra Money Online!

Today, college or university students have more opportunities to make money for themselves compared to their parents' generation. I know that some of these students even make so much money that they do not need to complete their studies!

Although students are bogged down with their studies in colleges or universities, they still have more time and energy comparable to working adults.

So instead of partying and wasting money, why not take the opportunity to make some money in your spare time? Sure you can take some part time jobs such as working in fast food restaurant, laundry services, petrol stations, and so on.

But These jobs does not pay you much income and you definitely can not choose your collections or your boss! Imagine working with unreasonable and super demanding boss. Frightening right?

So I suggest that you immediately go to the Internet to make some cash! There are numerous ways for students like you to make money. This is especially if you are young, energetic and full with ideas and creativity!

1. Writing Articles

Do not be surprised by the fact that many of the web owners actually do not write their own content for their sites. They mainly outsourced students to write for them. As young adults today, you have the capability of writing good articles due to your studies in colleges and universities.

Articles do not need to have 100% perfect grammar or with bombastic words and sentences. In fact, the more simple your articles, the better it is! The main thing is for readers to be able to read with ease. But do take note that your sentences do have to make sense and that there are no spelling errors!

If you can not create an article from scratch, you can offer to rewrite articles. They are also many request for this service. Be sure not to just copy and paste from others! (such as when you are submitting your assignments!)

Do explore and research on more content writing. A typical request will require you to write at least 10 different articles on the same subject matter.

In the beginning, you got to offer to write them at a lower price per article. This way, you might have the opportunity to work with them fulltime in the future! (Yes, without even seeing their faces!)

2. Website Design and Creation

If you are interested in computing and graphics designing, you are in luck. There are actually thousands of requests for this service each day. So if you possess some HTML skills, then you are indeed a hot commodity!

Just go to websites such as elance.com or scriptlance.com to register for an account and look for the many jobs posted. I am pretty sure you can find a few that suits you!

Simple websites creation and templates can bring you good money! Be professional in completing your tasks. Do not just submit the same kind of site theme over and over again. Your clients will definitely know to differentiate between a fantastic job and a poor, 'last minute' kind of work!

When you are just starting out, offer to do them at a lower price. After that you can request them to introduce some clients to you. By doing this, when you have graduated, you will have a stable income from your so call 'part time job'

3. Affiliate marketing

Affiliate marketing refers to the act of making a slice of a profit from referring people to buy from merchants. Basically you will get paid per referral or per sales.

If you refer information products or downloadable stuff such as ebooks, ecourses and audios, you can get up to 75% of the sale price. Just imagine if the product is USD97 and you get one sale per day. You will actually get more than USD2000! Pretty good income for a student!

You do not even need to have a website, product and do not have to worry about shipping and handling. All these are completed by the merchant. In affiliate marketing, you only put your energy into a single task. That is to be a middleman.

Just focus of referring the right person to the right seller and you will make money!

Apart from 3 ways above, there are numerous money making ideas online. Others include selling on eBay, advertising in your websites, creating softwares, completing paid surveys, selling domain names, flipping your websites, and others.

The point is that you have so much opportunity to make money online! Just select one idea and focus on it! Once you are good at it, then jumped to the next one!

The good news is that all the above ways have minimal risk. If you really can not do the above, you got nothing much to lose. However, if you really made it, you will definitely believe that making money from the Internet is the way to go!

What Makes a Fine Wedding Portrait?

Your wedding is bound to be one of the most memorable days in your life. Even when the privilege of having a portrait made was reserved only for the very wealthy, people often did their best to have some sort of reminder of their big day, even if it was a simple daguerreotype, sketch or miniature. Today, couples are far luckier. They can have a wedding portrait made quite easily, and even have it customized to suit their fancy.

Having a wedding portrait painted in oil is one great way to ensure that your wedding is immortalized in a medium that is more lasting than paper. It is also an excellent piece of interior decor that you will be proud to display in your living room for many years to come.

But what exactly are the ingredients for a fine wedding portrait? The answer, of course, can simply be a matter of personal taste. It often depends heavily on how the couple perceives themselves. For some people who have no-fuss, happy-go-lucky personalities, a good portrait painting can be one that shows them in a relaxed, casual pose that is imbued with a little humor.

Meanwhile, some couples would prefer a wedding portrait painting that is more classic and formal. This is a sensible option, because people do not stay twenty-five forever. The day is bound to come when you're older and more serious, and when it does, a formal portrait makes a better display piece than a casual one.

Whether you prefer a casual wedding portrait or a formal one however, a good portrait painting should tell a story about who you are as a couple as well as be a faithful likeness of you and your partner. It is always a good idea to make sure that your artist documents your clothes, jewelery and flowers. This is especially important if you're wearing family heirlooms or designer pieces. Of course, the artist should also be able to capture the looks on your faces – these expressions are priceless reflections of the pride and joy you and your partner feel at finally being committed to each other for the rest of your lives.

A fine wedding portrait painting should also tell a story. The artist can accomplish this by the composition he chooses for your picture, the lighting, the poses and even the props and backgrounds he uses in the picture.

Top 10 Celebrity Styles For 2008-2009

Every year we look to celebrities for fashion inspiration and new styles. Looking back over this year we can say that 2008 did not disappoint. Although some celebrities veered a little too far left of what is fashionably acceptable many others hit the bulls-eye. Even if you didn’t commit to any of the following trends, you can’t deny that they made statements in 2008. We have broken them down in order from 1 – 10 and let you know who owned that specific celebrity style.

Fashion Trend # 1: The Two-finger ring. This is one of the coolest jewelry trends we’ve seen in awhile. It has been spotted on famous celebrities such as Rihanna and Lauren Conrad from ”The Hills”.

Fashion Trend # 2: Baggy ”Boy” Jeans. This was a hit-and-miss look. It really depended on the body type of the person sporting the look. We think the new Baggy Boy Jeans should have a distressed and loose look, but should also be cut to show off a woman’s curves. This celebrity style was rocked by Reese Witherspoon and Katie Holmes.

Fashion Trend # 3: Nail Designs. Many celebrities decided to wear crazy colors on their nails this year. Those celebrities include Beyonce, Eve and Rihanna.

Fashion Trend # 4: Sky-Scraper High Heels. Every year high-heels get higher and more dangerous looking. If you don’t believe us just take a look at Victoria Beckham and Madonna.

Fashion Trend # 5: Pointless Accessories. Anything and everything was up for grabs to be an accessory in 2008. Just take a look at Miley Cyrus, Rihanna and Beyonce.

Fashion Trend # 6: Obama T-Shirts. For the first time we can remember political T’s were available and worn by the general public. Check them out on Halle Berry, Beyonce and P Diddy Combs.

Fashion Trend # 7: Nerdy Glasses. Geek-chic is a sure thing, when worn right. But be careful because dark, thick plastic frames aren’t a look everyone can pull off. If you want to see them worn right check out the celebrity style of Kanye West, Jay-Z and Common.

Fashion Trend # 8: Bangs. This look also doesn’t work for everyone, but when it does, watch out! Check out the bangs on Jessica Alba and Christina Aguilera…HOT!

Fashion Trend # 9: Leather Jackets. This look was taken straight from the 80′s, but worked great in 2008. Some celebrities rocking leather jackets were Vanessa Hudgens and Rihanna.

Fashion Trend # 10: Hippie Headband. Very few people can actually pull this look off. Personally, I’m not of fan of it on anybody. Some ladies sporting the hippie headband this year were Nicole Richie and Mischa Barton.

As you can tell there were many new celebrity styles this year, along with some re-tread styles. Every year we are amazed at what people bring back out of the closet and add to their wardrobe. No matter how much we may fight it, the looks always seem as glamorous and hot as they did before. We can’t wait to see what celebrity styles these people pull out next year. I guess we’ll just have to wait and see!