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.

Most Popular Sports Around The World

All types of sports are popular globally, but what sports can we call THE most popular in the world? Some of the answers may surprise you.

It’s no surprise that football, or what Americans call “soccer” is the world’s most popular sport to play and to watch. An estimated 3.5 billion people either watch or play football. The World Cup is the global championship of the sport and this tournament is played every four years. The World Cup itself is one of the highest rated sports on television, with many countries tuning in en masse to watch their country’s team play. Football is popular in all of the UK, Europe, Asia as well as South America. However, with so many other sports being popular, the Unites States still lags behind in their interest in “soccer”.

Next, we have cricket. This sport which consists of a bat and a ball, has been around for hundreds of years and originated in England. The sport is popular in the UK, Australia, New Zealand, some African countries, some Caribbean countries and it is the most popular sport in the countries of India and Pakistan. An estimated 3 billion people watch or play cricket each year.

The next most popular sport is a sure surprise, and that is field hockey, with an estimated 2 billion players or watchers, mostly in Asian countries, European countries, Australia and around Africa. This sport tends to be played in high schools in the United States, usually by girls only.

Coming up next is tennis. Not so surprising, but there are an estimated 1 billion players and watchers of tennis around the world. Tennis tends to be popular in richer countries, including the United States, Asian countries, Australia and Europe. There are four main tournaments in tennis, called “Grand Slams” at which players from many countries play. The first is the Australian Open, then the French Open, Wimbledon and then the US Open in late August. The Grand Slam tournaments tend to get the most attention during the tennis season.

Next we have volleyball. Yet another surprise, with an estimated 900 million viewers or players around the world. Volleyball is popular in the United States, where the sport originated, as well as in Brazil, all over Europe, Russia, China and Japan. Volleyball is a popular high school sport in many countries due to it’s team centered play and lack of specialized equipment requirements.

Also popular is table tennis, otherwise known as Ping Pong. This is another surprisingly popular sport around the world, with an estimated 900 million watchers or players. Table tennis originated in England as an after dinner activity for Victorians in the late 19th century. Table tennis as a competitive sport is popular in many countries but is especially popular in China, Korea and Singapore.

After these sports, we have a triumvirate of more mainstream American sports including baseball, golf, American football and basketball, with each sport attracting between 400 and 500 million players or watchers worldwide.

What Makes a Fine Wedding Portrait?

Your wedding is bound to be one of the most memorable days in your life. Even when the privilege of having a portrait made was reserved only for the very wealthy, people often did their best to have some sort of reminder of their big day, even if it was a simple daguerreotype, sketch or miniature. Today, couples are far luckier. They can have a wedding portrait made quite easily, and even have it customized to suit their fancy.

Having a wedding portrait painted in oil is one great way to ensure that your wedding is immortalized in a medium that is more lasting than paper. It is also an excellent piece of interior decor that you will be proud to display in your living room for many years to come.

But what exactly are the ingredients for a fine wedding portrait? The answer, of course, can simply be a matter of personal taste. It often depends heavily on how the couple perceives themselves. For some people who have no-fuss, happy-go-lucky personalities, a good portrait painting can be one that shows them in a relaxed, casual pose that is imbued with a little humor.

Meanwhile, some couples would prefer a wedding portrait painting that is more classic and formal. This is a sensible option, because people do not stay twenty-five forever. The day is bound to come when you're older and more serious, and when it does, a formal portrait makes a better display piece than a casual one.

Whether you prefer a casual wedding portrait or a formal one however, a good portrait painting should tell a story about who you are as a couple as well as be a faithful likeness of you and your partner. It is always a good idea to make sure that your artist documents your clothes, jewelery and flowers. This is especially important if you're wearing family heirlooms or designer pieces. Of course, the artist should also be able to capture the looks on your faces – these expressions are priceless reflections of the pride and joy you and your partner feel at finally being committed to each other for the rest of your lives.

A fine wedding portrait painting should also tell a story. The artist can accomplish this by the composition he chooses for your picture, the lighting, the poses and even the props and backgrounds he uses in the picture.

Ten Reasons You Can not Lose Weight

You may be among many who have attempted to lose weight many times yet remain unsuccessful. You might be thinking, "If only I had the secret!" If you are frustrated, take a look at why weight loss comes difficult. Here are ten pitfalls that slow down or halt the process:

1. Fat Overload . We need protein, but often the sources of our protein are also sources of fat. Fat has nine calories per gram. It is wise to choose foods with unsaturated fat and eat cleaner proteins, such as soy products and whey protein powders.

2. Sugar Overload . By eating candy, cookies, and breakfast pastries, and drinking juice, we tend to consume a lot of empty calories, which digest very quickly in our bodies. The excess gets stored as fat. It is better to satisfy our sweet tooth cravings with fruit.

3. Water Deficit . Water is a miracle nutrient. It can help us to lose weight. Many times we feel hunger pangs and think we are hungry, but our bodies are really telling us that we are thirsty. Water satisfies our cravings and makes us feel fuller.

4. Soda Pop Overload . Many people try to quench their thirst with soda pop. This contributions to the many empty calories that we consume each day. And why put all those chemicals in your body anyway? Switch to water.

5. Alcohol Overload . Alcohol has 7 calories per gram. One 12 oz. bottle of beer has 180 calories. A 24 ounce beer has 360 calories. Your body will break down alcohol calories before it breaks down carbs, fat, or protein. Drinking only one serving a day and counting those as calories is very important.

6. Condiment Overload . It is really important to count condiments in your calorie counting. How much mayonnaise or ketchup are you putting on your chicken sandwich? Yes, and pickles have calories, too.

7. Meal Deficit . It is a whole lot more fun to eat six times a day then three times a day. Eating more often raises the metabolism and improvements digestion, because we consume less food at a time and are able to eat more in 24 hours.

8. Skipping breakfast . Never skip breakfast. You may be eating less food, but you are also slowing down your metabolism. Who wants to drag all day?

9. Burning too few calories . It is difficult to lose weight by only dieting. Exercise is essential. So get on those running shoes and go for a thirty-minute walk every day. Weight training can also really accelerate your weight loss efforts.

10. Lack of goal setting . Weight loss takes time. One should lose only 2 pounds per week at most. It is there important to set short-term and long-term goals so that you can celebrate as you reach miles and continue this lifelong journey.

Now, it is time to throw out all of those negative results and get some positive ones. Get excited, because you are about to begin a successful weight loss journey.