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Personal Budget

Posted on July 18, 2011
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What is a personal budget definition? Refer to several internet sites, a personal budget is a financial plan that limits the amount of money that will be spent on any expenses category in any period of time. The most common period used as a reference is one month period. The limitation is usually based on income being received. The income must cover all expenses, fixed and flexible expenses, where fixed expenses become top priority to be fulfilled every month. Fixed expenses are usually obligation expenses. For example: mortgage, school fee, cable tv etc where the money being spent is fixed per month. Flexible expenses are expenses that related with variable amount of money that has to be expensed based on people behaviour. A good budget will consider all the factors above and still have some savings on income by the end of month.

There are very few people who understand the needs of budgeting their expenses. Some people don’t know how to make it, some others don’t have intention on limiting their expenses. That is the reason people or family are sort of money every last week in every month. We saw any marts, restaurants, stores are more quiet on those weeks comparing with previous weeks. Because people tends to spend their money as soon as they get paid and think about saving it several days before getting paid again. In order to reverse this trend, people need to become more responsible with their spending patterns. One tool to help people manage their expenses is a personal budget.

Many people have no idea exactly where or how they spend a good portion of their money. How many times have you taken money from the ATM only to realize a couple of days later that it is gone? There is always situation where you have difficulties to remember how exactly you spent the money, and often times this money is wasted on unnecessary purchases. A budget will help prevent this from happening by making a person accountable for the money that they spend.

There are many methods available on how to categorize the expenses, which categories should have higher allocation, and many other considerations which should make people finally understand that they don’t have much money to cover all expenses. Another great benefit is that a budget portrays an accurate idea of how much an individual can actually afford to pay for various consumer items. Whether it’s a house, a car, or a new TV, a person will be able to determine whether or not a certain purchase will fit within their monetary constraints. This acts as a safeguard against getting in over your head financially.

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Bundesliga Fixtures 2011/2012

Posted on July 18, 2011
Filed Under Soccer, Sports | 5 Comments

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Last season, Bayern Munich wasn’t play like a title contender. They kept losing since the beginning of the season and made Louis Van Gaal lost his job. Jupp Heynckes replaced him until the end of last season, and now he has a responsibility to bring the title back to his team. But, it won’t be easy. Eventhough they add Manuel Neuer to strengthen their team, the team has to keep all of their players healthy. This is the main reason why the team looked vulnerable last season. This season, they will get a strong challenge from Borussia Dortmund, last season champion, and Bayer Leverkusen, last season runner up. Both teams will prove themselves that they are strong enough to retain their positions. And there is a good news for the team who earns a fourth place by the end of this season. The team will be awarded a champions league qualification spot.

This German Bundesliga 2011/2012 schedule and scoresheet spreadsheet has the same layout with the previous one. All teams are already written inside the excel worksheet. All schedules are already placed in the fixtures worksheet. All you have to do just fill the score in corresponding boxes, and you will see the standings table are updated automatically. If you want to have a schedule of your favorite teams or to track them, you can select your team and see the schedule and result in individual team worksheet. You can read more detail instruction on how to use this template in previous posts.

Too bad I can’t make the English Premier League Fixtures 2011/2012 because of license issue. But, Bundesliga, La Liga, Serie A and other European leagues competition are worth enough to be followed and monitored.

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Yes No Chart

Posted on July 17, 2011
Filed Under Report | 1 Comment

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If you are working as a researcher or a marketing analyst, sometimes you have to collect datas which consists of “yes” and “no” answers and use it to analyze people behavior in certain areas.

Since you only provide “yes” and “no” option as people answer, you should provides clear and specific questions in your questionnaire sheets so you can have objective answers. This method is effective to narrow survey results and get conclusion on survey topics quickly without having respondents give their own opinions. After gathering all required datas from respondents, you should summarize and present those datas with informative display to ease people understanding on reading your report.

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