Working out a budget for your bills is easy. Working out a budget for everything else seems nearly impossible. I mean, how can you say that you will only spend $30 on fruit and vegetables when they are sold by weights? To do this, you would have to carry a calculator with you when you went shopping and weigh everything before you bought it. This is beside the fact that the price of food seems to be continually on the rise. The same can be said for petrol. If you use 20 litres a week, what do you do when the price changes? You would need to rearrange your whole budget.
The solution to this problem is to budget for the most you think you would spend on these items. This way, if you don't spend as much, you will have saved money that you can then put away for emergencies.
So how do you create your budget in the first place? Many people will tell you to start by writing down everything you spend money on for the next month. What if you want to start your budget now, instead of in a month's time? Also if you have bills that only come every three or six months or even yearly, they won't be included if you work out your budget from just one month of spending.
Let's look at it from a different perspective. The first thing I look at is my regular bills. Things like rent, electricity, phone, insurance, car registration, loan repayments etc. These are all regular bills that need to be paid on time and are generally about the same amount each bill cycle. Therefore, the first step is to write down all of these bills and how much you will have to pay. The next step is to work out a yearly figure for each bill. For those bills that come monthly, you multiply the amount by 12. For three monthly bills, multiply by four and six monthly bills are multiplied by two. Then we need to work out how much these bills will cost us each pay period. If you are paid weekly, you would divide the yearly amount by 52. If you are paid fortnightly, you would divide by 26 and if you are paid monthly, you would divide by 12. This gives you the amount you need to budget for each pay period. The remainder of your pay is then used for food, petrol, normal living expenses and savings. Most people have a general idea on how much they pay each week for these items so that amount is used for your budget.
Now that we have our budget, how do we make sure that we stick to it? The first step is to make sure that our bill money that we are budgeting for is not left in our everyday bank account. The temptation to spend can be too great if the money is easily accessed. I heard about a system a few years ago where you get yourself a folder with plastic sheet protectors in it and have one for each of your bills. Then each week you put your budgeted amount of money into the relevant pockets so that when the bill comes in you just pull out the cash and pay it. The one big flaw with this system is that you end up with a lot of cash in your house. There is nothing to stop you from "borrowing" from your bill money and there is also the risk of having it stolen.
I recommend that you set up a separate bank account for your bill money. This account would ideally not come with an eftpos card but be accessed by telephone and internet banking. Most bills can be paid by bpay so when your bills come in you can pay them directly out of your bill saving account.
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Large breasts can prove to be a real headache especially when it comes to choosing the type of cloth to wear. Large breasts makes a woman's body to acquire a unique figure which calls for unique clothes. It does not matter whether it is office wear or gym wear or casual wear. What matters is clothes that fit correctly. Clothes that do not attract unwanted male attention by making you look too flirtatious. This has forced many women who have large breasts to wear boring v-necked T-shirts as a last result. Women with a full-bosom play a tricky balancing act because their clothes only come in two categories; they are either stylish or trashy though there are various tips to minimize your bust line.
Your work or office clothes should be made expertly and professionally. But this does not give you a reason to look drab and boring. You should go for cuts that try to minimize your bust line rather than making it more conspicuous. Being in possession of a full bosom is actually a blessing and your work clothes should be in a capacity of flattering your body, your plus size breasts included. This brings up the big question on what you should exactly wear to work. Women who have large breasts should actually try out wrap dresses. The pattern is of no consequence as a custom-fitted wrap dress will play down the size of the bust line. It still leaves you looking dashing and flawless. A wrap dress flatters your bust as well as hugging your curves making you a sight to behold.
A dress with fabric that flows gently and loosely from under the bosom line is usually ideal for women who have large breasts. It is good to avoid high neck and clingy dresses. They only help to exaggerate the size of your bust while at the same time stealing the show from the beautiful dress itself. Thicker and and more supportive straps that provide that much needed lift are more appropriate for work and official functions. It would be advisable to give straps such as halters and spaghetti styles a wide berth however sexy they are. They only make your breasts to be more pronounced while projecting your shoulders even more. An empire-cut sleeveless cloth is ideal for a night out in town. If you have large breasts, you will always be oscillating between showing too much or showing too little.
If you are looking for a blouse to put on, get one which is tight on the waist and loosens out towards the chest. It creates a picture of a small waist and an illusion of an even smaller bust. In your quest not to show too much, avoid limiting yourself especially if you are going to have fun on a Friday night. You can jump into your halter dress without giving a care to the world on the amount of flesh it exposes. If you feel too self-conscious because you have large breasts, you can put a bolero that is stylish enough to bring the best out of you.
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Do you love the color white that practically your walls, floor, apparels, furniture, shoes and even your pets is unmistakably in that colorless hue. Everybody can love the color because of its simplicity. White embodies cleanliness, wholesomeness, clarity, spotlessness, purity and best of all goodness.
But what's not likeable about it? Am I hearing you out clearly? That's a five letter word, right. I bet everyone hates it in their whites! Yes, it is all about stain.
You despicably get annoyed when your whites acquire stains. Here is a list of how to get those stubborn stains removed from your favorite whites:
1. If bleach, regular detergent, shout, baking soda etc can't get out a stain on a white shirt, try soaking the shirt in some warm water with yellow out and regular detergent or rub some of the yellow out mixed with a bit of water and the stain will be gone for good measure.
2. Another great way to work on those yellow spots is to pour peroxide on the stain and hang it outside and dry under the sun. This can be done even if the item is wet or dry.
3. Who said cleaning materials can't get out stains? Try Lysol Disinfectant Mildew Remover with Bleach spray which can be found in your cleaning aisle at the store. Spray it on yellow stains, let it sit for a few minutes or up to 30 minutes and wash as usual.
4. Another method is to use chlorine. Toss your clothes in the tub or sink with hot water and add chlorine, soak it overnight. Rinse very well and just wash with detergent and never ever use bleach because it will only make become yellow overtime.
5. Use salt, baking soda and then boil the garment. Take out the rest of the yellowing by using Oxyclean and soaking it for several hours.
For more effective tips to get yellow stains out of your whites, look into thriftyfun dot com.
