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.

Dreams About Demons – The Meaning of Dream Warnings

When you see demons in your dreams, this means that the unconscious mind that produces them is sending you many warnings. The demons represent people who are cruel and immoral, and will ruin your life.

You are probably going to feel afraid and irritated with your bad dreams; however, their role is therapeutic. They are in fact opening your eyes, and helping you see hidden dangers that are threatening your life and happiness.

Your dreams show you the bitter truth as it is, so that you may avoid falling into traps, and so that you may prevent all mental illnesses.

The demons you are seeing in your dreams could be unfair business partners, people who will betray you when you have an amorous relationship with them, or people who envy you and want to steal all the privileges you have in life.

Be very cautious when you see demons in your dreams and think carefully before acting.

If you had the intention to get married to someone or to open a store with a business partner for example, you had better give up after seeing a demon in a dream.

You may also see demons in your dreams that will be representing negative parts of your own personality, and not other people of your social environment. In this case they will appear mainly like aliens that came from another planet, or strange human beings that have no blood.

Images where demon faces are seen in dreams represent other people. When they appear somewhat camouflaged they are a part of your own personality.

In any case, you can be protected if you learn the dream language and you translate all your dreams according to the scientific method of dream interpretation, which works like free psychotherapy. The wise unconscious mind that produces your dreams is a natural doctor that keeps trying to protect your mental health through dream messages.

This protection works either because the wild side of your own conscience is constantly trying to destroy your human conscience through absurdity, or you have many enemies in your daily reality.

In order to save your mental health, the unconscious mind has to give you information not only about your psychical world, but also about what is happening in the outside world where you live, because too many dangers are constantly threatening your mental health.

When you care about your dreams, writing them down regularly, and translating them according to the scientific method, you’ll discover that the unconscious mind is a very wise counselor and psychologist. By following its guidance, you will get rid of all dangers and nightmares, while learning how to live peacefully and happily for life.

Christina Sponias continued Carl Jung’s research into the human psyche, discovering the cure for all mental illnesses, and simplifying the scientific method of dream interpretation that teaches you how to exactly translate the meaning of your dreams, so that you can find health, wisdom and happiness.

Your Business Mission – What the Heck Do You Do, Anyway?

Do you really need a business mission statement? Is it just some fancy words to put in that business plan that collections dust on your shelf, or is there really more to it?

One of the key attributes of successful businesses is that they clearly know what they do. Defining the goal or the "mission" of your business can be the key to your success.

A good mission statement does three things:

"States what business you are in." Defines your target market. "Provides inspiration for your business.

One of the best examples of a mission statement comes from Levi Strauss & Co. [http://www.levistrauss.com/Company/ValuesAndVision.aspx]

"We will market and distribute the most appealing and widely worn apparel brands. Our products define quality, style and function. We will clothe the world."

Clothing the world is a pretty lofty goal, but Levi Strauss has the ability to do this for one reason — Their founder, Levi Strauss, started the business with a mission and focus.

Levi started his wholesale dry goods business in San Francisco February, 1853. Rather than hoping to make his fortune in the Gold Rush, he created a fortune by wholesaling clothing and fabric to the small stores supplying the thousands of miners and later, families of the West.

In 1872, he was contacted by Jacob Davis, a tailor who had developed a method to rivet the stress points of the pants he made from fabric he bought from-you guessed it — Levi Strauss. Jacob did not have the funds to patent the process, so he teamed up with Levi Strauss to patent the original blue jean in 1873. The rest is history.

Now, if Levi Strauss was your typical small business, he would probably have spun off in ten different directions in their early years, but the company remained focused on supplying quality clothing and fabrics to the working men and women of the West, and later the world. Rather than focusing on their core market, they would have fallen into the AFAB method … Anything for a Buck.

Most small businesses suffer from this lack of focus.

When we work with struggling business owners, the first thing we ask them is "What is your bread and butter?" What one product or service provides you with the majority of your business profit?

Unfortunately, most business owners can not answer that question. They did not define their core product or service and target market when they started, and end up doing a little bit of everything, and nothing well.

Or, they focus most of their time on a product or service line that they like, without knowing whether it actually is their most profitable.

Fortunately, there is an easy fix for this problem.

You have to determine your gross profit margin from each of your product lines or services. Get together with your accountant, and figure out what you need to do to separate your revenue and expenses by the major product lines of your business. Then, you can find out your gross profit margin, or the percentage of gross profit you receive from each activity.

The product or service with the highest gross profit margin is your core business activity. It is the bread and butter of your business, and the key to your company profits.

Now, you must focus as much of your company resources as possible on this core activity. Market it, systemize it, and turn your business into a machine for duplicating this product or service over and over again.

What happens?

Well, rather than running around like a chicken with your head cut off, putting out fires all over your business, you suddenly have the focus to know where to spend your time and energy. You know your core, and you can work to make a good thing even better.

This focus will transform your business and your life.

Remember the term "Jack of All Trades, but Master of None"? You can not really really good at something without focus, and focusing on your most profitable core product or service will make your business even more efficient.

Does this mean that you should never expand beyond your core? Of course not, but you must make sure you are really good at your core product or service before you venture into different directions. Creating a strong bread and butter business will give you the base necessary to expand.

Your core product or service is the foundation for your business. Build it well.

Proper Freshwater Aquarium Maintenance is Very Important

Freshwater aquarium maintenance is very important part of your duty if you own an aquarium. You have to look after the house of the fishes where they live. I hope like a normal person you take care of your own home so it is quite natural that fishes will also need some well maintained home to stay in.

Freshwater aquarium maintenance is either tough nor absolutely easy. But yes initially you will need adequate guidance for freshwater aquarium maintenance. The steps of maintenance generally include primary preparation, taking out the fishes, washing the tank properly and then putting back the fishes safely.

What are the things you should take care of for the freshwater aquarium maintenance? Well they mainly the removal of the algae, changing water timely and at proper intervals, checking the condition of the filter, vacuuming and testing the water condition and level. All these are very significant part of the maintenance because these factors are directly or indirectly related to the health of your precious fishes.

You can create a chart for the maintenance and this will help you immensely. Break the activities into daily, monthly, quarterly, six monthly and yearly maintenance. Your daily duty is to offer the freshwater fish with food in small quantity two times each day. You must check the working condition of the filter along with the aerator and heater.

During the week maintenance you must alter ten or twenty percent of water, clean the aquarium completely, and test the condition of the water. During the month you have to check the condition of the water, wash off the algae and alter at least twenty-five percent of the water of the tank. At the interval of six months you must reinstate the filter objects.

The quarterly maintenance includes changing the airstones, changing half of the aquarium water and washing the filter. Every year you must change the existing airstones and cleanse the gravel completely. Caring for the fishes is not completely easy and any mistake can leave dreadful impacts on the fishes. Freshwater aquarium maintenance when done adequately will let the fishes live merrily.