Budget Worksheets - Learn How to Effectively Track Your Weekly and Monthly Spending

When you start working with making a household budget it is extremely important to track your spending and all your expense both on a weekly and monthly basis. Many people dread tracking their expenses and recording every receipt but this is by far the best way to gain control over your spending. There is always a huge gap between what people think they spend and what they actually spend each month. So, tracking your spending is the only way to establish a working budget.

weekly planner 2011 2012

In order to track you spending you will need the following two budget worksheets:

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#1 Weekly Expenses Report Worksheet - On this worksheet you will record all the spending for a given week. You will want to have four copies of this worksheet for a given month. Carry it with you to record expenses or make a habit of recording expenses at the end of the day with your daily receipts. Make sure to include a description of the item, the date purchased, the amount and the expense category. You will also want to write down how you paid for the item whether by cash, check, or credit card. This will give you a very detailed report of your weekly spending.

#2 Monthly Expense Record Worksheet - After you have filled out your weekly worksheet for a given week, you will want to transfer all spending and expenses over to the monthly expense record worksheet. It is very helpful to first fill out the weekly expenses report worksheet because people forget to record certain spending when just using the monthly expense record worksheet along.

After filling out these two worksheets you will have effectively tracked your spending for the month. Using the monthly expense record worksheet, you will now have the information you need to create a working budget for next month.

Budget Worksheets - Learn How to Effectively Track Your Weekly and Monthly Spending

WEEKLY

Build You Own Chopper - Things to Consider Before You Start

When it comes to people wanting to learn more about how to build a custom chopper they will find that the internet is a great source of information. Today not only will you be directed towards sites where you can arrange for one to be built for you but places where you have the opportunity to build your own from scratch.

chopper motorcycle

However when it comes to how to build a chopper for yourself there are certain things that need to be taken into consideration beforehand. In this article we look at what some of these are.

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1. Space - If you are going to be building your own custom chopper whether using a kit or through buying the parts yourself you need ample room to do the project in. Therefore you should use either a garage or large workshop for this project. It is important that the space you use is one that provides you with plenty of room to move freely around the bike as it is being built.

2. Using The Right Parts - If you intend to build your chopper from scratch then only use the parts recommended by the company who provide you with your building plans. If you don't then the parts you use may well not be of a quality that you would expect and could end up endangering not just your life but the lives of those around you. It is important that you purchase only brand new parts rather than used ones for constructing such a machine.

In fact the best advice we can give you if you are going to be building your own custom chopper is to use a bike kit. Not only do these come with all the necessary parts to construct such a machine they will be brand new and of the highest quality possible.

Build You Own Chopper - Things to Consider Before You Start

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NFL Weekly Picks Favorites Take a Punch in Week One

The first football Sunday is in the books and if your NFL weekly picks didn't quite go as planned, you have a lot of company. And if you think you're feeling out of sorts, imagine how the Colts and 49ers must feel.

weekly pill organizer

It's not uncommon for the Colts to go down to Houston and take a punch in the mouth. The difference has always been that Indy has found a way to get off the mat and go Rocky Balboa on the Texans. Not this time. The Colts defense made a Week One star out of Houston running back Arian Foster, who ran for 231 yards and a pair of touchdowns in the Texans' 34-24 win.

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Lest ye think Peyton Manning was merely mortal on Sunday, ye would be mistaken. Ye Olde Sheriff was on point, throwing for 433 yards with 3 touchdowns and no interceptions. But he could have used a little more help from his deputies. Some key drops by Pierre Garcon and a fumble by Austin Collie inside the Texans' 10-yard line helped corral a couple of Colts drives.

The loss reaffirmed suspicions that the Colts may not be able to walk over the AFC South as in years past. The Titans and Jaguars have shown an increased ability to compete and if Indianapolis' defensive failures were more flaws than flukes, the Colts could be in for a season-long dogfight.

Meanwhile, a lot of NFL weekly picks came in on the side of the San Francisco 49ers. While no one considered them a true Super Bowl contender, they certainly seemed to be the best team in a bad division - and definitely good enough to take care of the Seattle Seahawks in Week One, right?

Right?

In maybe the most disappointing single team performance on Sunday, the 49ers were dazed on defense and confused on offense during their 28-6 blowout loss to the 'Hawks. San Francisco marched deep into the red zone on three first-half possessions and tallied just two field goals and a failed fourth-down attempt.

The Niners couldn't even work together in the locker room after the game. Head coach Mike Singletary said the offensive confusion and burning of timeouts was the fault of headset communications problems. But quarterback Alex Smith said the issue was the coaches' inability to signal in plays in a timely fashion.

After one week, there's no hard evidence that the 49ers can't still win what is a definitely a weak division. But the on- and off-field performances on Sunday showed that the Boys from The Bay still have a lot of work to do.

NFL Weekly Picks Favorites Take a Punch in Week One

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Make Money With Weekly Room Rentals

Yes, you can make a lot of money with weekly room rentals in your home. In fact, it is what allowed me to pay off my first mortgage after only a few years. Of course, you have to think about two things before you get started. First, you have to decide if you want thousands of dollars of extra cash each year. Perhaps that's an easy one to answer.

weekly dry erase calendar

The next issue is whether or not you want to live with other people in your home. Most of the time they will be strangers, although you could try to rent out the rooms only to people you know (I mostly rented to coworkers from the casino where I was employed at the time). If you think you can tolerate the company, read on.

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Why weekly room rentals, rather than monthly? There are a couple good reasons to charge by the week rather than by the month. The first has to do with the people you will typically rent to and why they are renting a room rather than getting their own apartment. You see, most of the time people rent rooms because they do not manage money all that well.

It isn't just about saving money versus an apartment, although that's a motivator as well. It is often because the tenant cannot handle saving up from each check to have the rent money ready at the start of each month. If it was just the total rent that was the problem, after all, he or she could share rent with a friend or two. So by charging the way most people get paid - weekly or bi-weekly - you help solve this problem, and you make it more likely that you will be paid on time. This is also why you should include all utilities in the rent, by the way. Room renters don't like surprises. It is better to just raise the rent if you notice your electrical bill getting too high.

There is another reason why it is best to rent by the week. It has to do with the relationship between you and your tenants. Weekly rentals appear to have more in common with a hotel room than an apartment or house rental. Thus, regardless of whether or not they are treated like the one or the other according to local laws and regulations, it makes it easier to evict a renter who is a problem or who doesn't pay the rent. This is also why I never had my room renters sign any rental agreements. With weekly cash rent and no formal document, they never felt like they had a right to be in my home if I no longer wanted them there.

In many areas you can get up to 0 or more per week for a room if you include all utilities. If you have two rooms to rent - or can create them out of space in an attic or basement - you can have an extra ,000 per year coming in. Just keep it simple, find good tenants, and make them weekly room rentals for the reasons given.

Make Money With Weekly Room Rentals

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Flower and Butterfly Tattoos - A Gorgeous Combination

Flower and butterfly tattoos work well together. If you could only stand for one thing, what would it be? Your tattoo is a reflection of your thoughts and your beliefs. To come up with a tattoo that is uniquely you, you want to ask yourself, if I could pick only one symbol to express myself what would it be. If you can't come up with just one, that's fine, you may find that you're a blend of a couple different symbols because you have a blend of a couple different personalities. Let your tattoo express that. You can combine different tattoos to come up with your true expression.

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There are two elements in nature that are used to express a lot of different meanings through tattoos - flowers and butterflies.

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There is an enormous choice of flower tattoo designs available. Flower tattoos are very flexible. Not only are there hundreds of different flowers but each has a symbolic meaning which can give you a number of ways to show your true self to the world. If you combine two different flowers together, you are not only mixing different colors but different symbols to capture a unique feeling. Do a little research on the meaning of flowers so you can be sure of the statement you are making to the world with your tattoo.

Butterfly tattoos can symbolize so many things. Everyone knows how a caterpillar changes into a beautiful butterfly, only to live for a short time. A butterfly tattoo can symbolize a new beginning or embarking on a new adventure. It can also express the fragility of life.

You can add two different flowers together or two different butterflies and have a great tattoo. But when you add a flower and a butterfly together, you open up a whole new world of possibilities. Not much is prettier than a picture of a butterfly about to land and taste the sweet nectar of a flower.

Women with beautiful tattoos are often considered to be more confident, more feminine and more attractive. It is hard to find a more sensual being than a woman with a flower and butterfly tattoo placed just so you can see it on the shoulder, lower back or ankle.

Flower and Butterfly Tattoos - A Gorgeous Combination

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Chopper Tattoo Review

Most people who decide to get a tattoo do so because they wish to represent something about themselves,it is a symbol of who you are. They are designed to attract peoples attention,this can be in a good way or a bad way depending on what design you decide on.

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Anyone can get a tattoo but you will defiantly want to make the right decision because you will be stuck with it for the rest of your life.Since getting a tattoo is a big issue then it is important that you choose the right design. Chopper Tattoo offers over 4000 designs for just about every part of your body. They offer award winning designs that are different and eye catching, so don't limit yourself to just one or two designs, make sure you check their entire range.

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The search option on Chopper Tattoo is great tool which will help you find your design much quicker.You can find tattoos according to size, color and keywords. This means that you don't have to search through thousands and thousands of designs first before you find the one that you desire.

They offer just about every style of tattoo out there such as tribal, dragon, cross, star, butterfly, celtic, fish, egyptian, gothic, armband, lower back tattoo designs and much more.

If you are an aspiring tattoo artist yourself,then you can increase your exposure because there is a section of the site that allows you to submit your designs. The section on lettering will give you a lot of ideas on different styles and lets you customize what ever ideas that you have right on to your computer.

Chopper Tattoo Review

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Music Software In 2001 - A Massive Step From 'Stretch And Pitch' To 'Cut And Paste'

The Olden Days: circa 1996

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It was only a few years ago when my sample sourcing colleague would turn up with a pile of cassettes and vinyl ready to make a tune using an AKAI sampler and an Atari ST. The first thing I would do is to try and establish the main rhythmic part, which invariably contained some sort of tuned item such as a bass line and then sample it, loop it and try and work out the tempo and key of that sample. Of course it would never be at the tempo we wanted so we'd tune it up or down to get the effect we were after, but then it would be in a different key entirely so I'd sit there with a calculator working how far to timestretch the original sample to get the tune into the desired key. The situation becomes even more tedious when you add other samples where you either have to do the same again or set it up so you could edit the sample whilst auditioning it with your bass and drums. We would literally spend an entire weekend looping 'round the same 8 bars trying to get a dozen or so samples to just sound OK together. I knew there had to be a better way...

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ACID Today

ACID PRO 3.0 is the latest version of Sonic Foundry's multi-award winning loop based music creation software that allows the user to create original, royalty-free music with a simple click, paint, and play interface. Over the years, Acid Pro has evolved into a mature program with a wide range of features. This latest version is especially attractive for video and multimedia producers. The new video track, with its associated scoring tools, lets you sync your multiple audio tracks to video. Using the video track as your guide, you can change the tempo of the audio (without changing its pitch) or time-stretch it, in order to line up the audio with the exact frame of your video. While Acid Pro is limited to just one video track, its superior audio features, including DirectX plug-ins, loop-creation tools, and loop-editing tools, make it an excellent environment for merging audio with a work-in-progress video. If you need additional video tracks, you can import your Acid tracks directly into Sonic Foundry's Video Vegas.

In Use

If you're familiar with other time-grid software programs, such as Adobe Premiere or Macromedia Flash, you should feel right at home with Acid. On a basic level, it's as easy as finding an audio loop and pasting it into one of the audio tracks. You use only one loop per track, so adding a musical phrase is as simple as grabbing the drawing tool, moving the cursor to the point where you want the loop to begin, pressing the left mouse button, moving the cursor forward and releasing the mouse button where you want the musical phrase to end. Because the program keeps all the loops in the same musical key, maintains a consistent tempo and starts and stops each loop at the exact beginning and end of the measure, you don't have to mess about pushing samples about on the timeline. This takes away nearly all the tedious activities that I just mentioned.

You can download royalty free samples at any time by hitting the "Get Media" button and downloading sound packs from the web. Although this is a good easy way to get started and learn ACID, if you don't source your own samples then your tunes may well sound like everyone else's. ACID is such a doddle to use that I think you should spend more time sourcing and editing your samples as you will spend less time throwing them altogether when you are ready to compose your tune. ACID treats mp3 samples just the same as wavs.

Once you have the rough mix of your tune together you can then start playing with effects, panning etc. which are done with software 'plug-in' effects. These work well and can be edited in real time and can be downloaded from the internet.

Beatmapper and Chopper

Other useful features include a Beatmapper remixing tool that helps you add beats, combine musical loops with existing audio files, overlay samples and add tempo information to longer audio files. In fact the Beatmapper Wizard automatically kicks in if you try to import any samples longer than 30 seconds. It works well, detecting the first downbeat and then testing the rest of the track for rhythmic accuracy. At any stage in this process you can dive in there and manually point to the beat if your sample is more complex than a straight 'four to the floor'.

A Chopper editing tool lets you create drum fills, stutters and DJ-style effects to your audio files. Experimenting with the Chopper can yield some very interesting slice-and-dice effects. No matter how you mangle the audio with the Chopper, the altered loops always play in sync with your other tracks.

Audio and MIDI

This latest version supports 32 effects per track, 32 effect chains that feed 26 busses, and sample rates as high as 192 kHz. Also new is MIDI file support, including MIDI record and playback. As with the video track, the MIDI support is limited. For example, there's no provision within the program for editing a MIDI file. Similarly, audio recording is bare-bones. If you need to combine your loops with multiple MIDI or linear audio tracks, you'll want to augment Acid with a more traditional audio-editing program. Fortunately, you won't have to look far; the Acid Pro 3.0 package includes Sound Forge XP Studio and Vegas Audio LE. The boxed version also includes Sonic Foundry's XFX 1, XFX 2 and XFX 3 collections of DirectX plug-ins, as well as more than 600 music loops.

Saving and Publishing your work

The save as dialog box gives you two options: an ACID project file (.acd) or an ACID project with embedded media (.acd-zip), the latter is an excellent way to share unfinished projects with people as you do not have to provide all your wav files and their locations. You can also burn a CDR straight from ACID assuming of course that you have a CD writer! Also you can publish your work straight to ACIDplanet.com, have a look and see what all the fuss is about.

Conclusion

I like it. I have actually now decided to breakaway from my Cubase mentality and use ACID full time. I'll probably still carry on editing my loops in Wavelab because that's what I know, but I really think ACID 3.0 is the way forward. If you think looping programs are severely limited in the kinds of music they can produce, visit Sonic Foundry's web site and download the free trial version of Acid Pro 3.0. Based on the ease and power of this program and the incredible range of the loop CDs, Sonic Foundry has created a set of tools that can serve video and multimedia producers, just as they already serve music and movie producers.

System Requirements

300 MHz processor Windows-compatible sound card
CD-ROM drive Supported
CD-Recordable drive (for CD burning only)
64 MB RAM (128 MB recommended)
60 MB hard-disk space for program installation Microsoft® Windows® 98, Me, 2000, or XP
Microsoft DirectX 8 or later (included on CD-ROM)
Internet Explorer 5.0 or later (version 5.0 included on CD-ROM)*
400 MHz processor and Windows 98SE, Me, or 2000 for video scoring.
98SE, Me, or 2000 for Vegas Audio LE.
PROS:

Ease of use
Excellent Beatmapper tool
Superb range of plug in effects
Media easily available from downloads
Supports Video
CONS: Audio recording is a bit basic

You cannot edit MIDI
Requires a fairly fast PC
Quite pricey

Music Software In 2001 - A Massive Step From 'Stretch And Pitch' To 'Cut And Paste'

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