Budgeting is not scary, it’s not difficulty and it doesn’t take a genius to do it. You don’t need a degree in finance, or 25 year experience as an economist, nor to you need a financial advisor or book-keeper do it for you.

Budgeting is about knowing what your incomings are (wages normally), and your outgoings (mortgage/rent, utilities, telephone, cable, shopping, credit cards, etc).

Start out by printing off your monthly bank statement. If you haven’t got internet banking then sign-up now. The easiest way to have control of your money is to know how much you have and how much is coming out. This is budgeting.

Make a list of your income:

To make it simple and give you an example we’ll say you receive £1000 wages a month and you have no other income.

Now make a list of your direct debits, standing-orders, and any other monthly payments that you can’t get out of, this should not include any spending on shopping or food:

Rent:               £300.00

Electricity:             £100.00

Gas:                £100.00

Water:                         £20.00

Taxes:             £50.00

Insurance:             £10.00

Travel:             £20.00

So you start with £1000

When you’ve paid all of the above you’re left with: £400.00

This is your working budget. Spend more than this and you’re going into debt. Debt is the enemy! You should always try to spend within your budget. Food, clothes, going out, holidays, petrol, everything that is not a regular bill will come out of your working budget.

Check your bank regularly, internet banking and telephone banking are very helpful in making sure you are aware of your spending.

Budgeting is the opposite of dieting, but both work in the same (although opposite) way: there are only two ways to improve your situation, get more money in or spend less money. (Dieting is use more calories up or take less in).

Being aware of your financial situation, however bad it may be, is always helpful. Remember that knowledge is power.

Next time: Bills

Oflaz Tour has been serving for more than 10 years in Mediterrenaean Region as a Class-A Travel Agency and Tour operator.

In the global world of today, “holiday” became an important necessity in all people’s lives. Perception of Oflaz for this necessity, reflects in creating best services

Oflaz has been continuing incoming activities from Russia, Kazakhstan, Ukraine, United Kingdom, Germany, and Scandinavian countries especially Norway, Denmark and Sweden. Between 2005-2008, we have successfully established the incoming of 1462 families, and in 2009 we have provided the transportation and accomodation needs of 480 families.

Oflaz Tour is also providing the same service for domestic tourists and guests coming from different cities of Turkey. We are Kemer’s only travel agency focusing on Congress Tourism, Sports Championship Tourism and Meeting Tourism. We have managed the accomodation and transportation of many guests under these alternative tourism concepts.

Please check our website www.oflaztour.com for more detailed information about our services and do not hesitate to contact our staff for any questions.

I say “I N C O M I N G !!!”:

A Minnesota man was arrested Monday for throwing two tomatoes at former Alaska Gov. Sarah Palin.

According to police, 33-year-old Jeremy Paul Olson threw the tomatoes at Palin from a second floor balcony in the Mall of America in Bloomington, Minn., while the former GOP vice presidential candidate was signing books at a Barnes & Noble.

Palin was not hit by the flying tomatoes, which instead hit two police officers standing near the former governor. Olson was arrested on charges of suspicion of assault and disorderly conduct.

Tsk.  Clearly another case of “post-abortive”-driven Palin Derangement Syndrome.

And really, tomatoes?  This was really a job for Al-Pieda.  (Don’t take a tomato to a pie fight, or whatever… oh shutup.)

13. By 2012 we will build a stronger coalition between the University of Minnesota Morris and the region to increase enrollment to 2,100 of which 1,800 will be on-campus students.

Sasha, it’s Jove, The Plans have changed, you need to come back to the base imediately.

Sasha, it’s Jove. And I thought I told you to have them by the 14th. Now the whole plan has to be reworked. We need your man power to pull this off. If there is one thing I learned in the service it was stick to the time tabel. I’ll let it go this time, but from now on the time tabel is strict. Have them ready by December 4th. Don’t fail me Morgan! New Years Eve will be a day remebered as a day of great triumph.

Stay Together
Jove

New image in the aircraft spotting photography contest

A glider on final approach….. …
Incoming………. photography picture