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If you’re into food and photography, Fedex is hosting a webinar on Tuesday, March 29th at 10 am PDT to show you how to turn your culinary creations into your very own recipe book. If you want to take a more do-it-yourself approach to creating a cookbook, check out these printable templates from HP. Download or print these amazing Ocean coloring pages at your own will and spread the news to your fellow Ocean coloring page lovers too!
The free webinar will give you some ideas for creating a recipe book as well as food photography tips.
He has been covering the photographic world for the past ten years for a variety of publications including PDN, This Week in Consumer Electronics and Digital Photographer.
Use Accurate DescriptionsWrite down your expenses by what they are rather than where you purchased them so you'll be able to figure out later how much you spend in particular categories. It may sound funny but, it makes sense—the longer you run your hands under the water with soap the cleaner they are likely to be. But counting seconds is kind of boring so singing a song to yourself (it doesn't have to be outloud) is fun and let's you take the time to really wash those hands!
Budget by the Month, Not the PaycheckThis forces you to think slightly longer-term than your bimonthly paycheck, but not so long-term that you're likely to get derailed. You can easily carry it with you and access it at any time, and electronic failure won't cause you to lose your data.
However, notebooks can be misplaced, and meticulous record keeping can be ruined by the swift tip of a nearby glass of water.
Perhaps most importantly, it's easier to make mistakes by hand, and it's more difficult to track your long-term spending and savings patterns with a notebook.


If you have high expenses one month, you can look forward to the following month when, for example, your car insurance isn't due.5.
Plan for Both Fixed and Variable ExpensesFixed expenses are items like rent and health insurance, and variable expenses are things like utilities and gas. If it didn't, you can download Open Office to get a free spreadsheet program that's compatible with Excel. Some costs, like groceries, can fall into either category depending on how much self-control you have.6.
If you use a spreadsheet to track your income and expenses, you're less likely to make mistakes, and you can easily do calculations like how much you spent on groceries for the entire year. Plan for Occasional ExpensesBudget for expenses that only happen a few times a year like gifts, car insurance and doctor visits. In addition, a spreadsheet can keep a running total of how much money you have left to spend in a particular month that adjusts every time you enter a new expense into your spreadsheet. Financial Software, such as Quicken and Microsoft Money: The obvious drawback of these programs is that they cost money and may have to be upgraded (for a fee) every couple of years, particularly if you get a new computer with a new operating system. There is no excuse for going into debt because you didn't realize that Christmas happens every year or that you would need a bridesmaid dress or a tux when your best friend gets married a year from now.Your budget can be more or less detailed depending on your level of self-control. They keep track of your bank and investment accounts for you, for example, sparing you from logging into all those accounts. Can entertainment be grouped under miscellaneous, or do you tend to spend so much on movies, restaurants and concerts that this needs to be its own category?In addition, budgeting is a little different if you have a steady income versus an irregular one. The down side is that if your computer gets stolen or hacked, you might wish so much of your personal information wasn't so readily available.


If you're paid hourly or on commission, are self-employed, work seasonally or are a student, you probably won't know how much you're going to make until the month is over. Also, since they're Internet-based, you can access them from anywhere - you don't have to be on your home computer.
Some people might not feel comfortable giving all their information to an online service, and no matter how well-designed it is, any online system could have weaknesses that hackers can exploit.
However, if you're just using it to calculate the running balances for your savings and grocery, bills and other expenses, it might be a nice tool to have.
Keep Track of Every Expense, Including the Small OnesIt's easy to remember how much you spent on rent or your mortgage payment, but for other expenses, you'll want to save your receipts.
If that drives you crazy, put all your purchases on the same debit or credit card to make record keeping easy. Keep in mind, though, that the transaction descriptions on your credit card statement aren't always crystal clear, and you may be left wondering what exactly is that $19.17 purchase.
Don't forget too, that you may be charged for each transaction, and if you don't pay off your credit card on time, you'll be accruing interest as well.
Update Your Budget - DailyTracking your money this way will take minimal time, and you'll be less likely to forget something.



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this is your life book for 40th



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