Personal Finance

Excel Budget Spreadsheet

Why Do You Need an Excel Budget Template?

Have you ever looked at your bank account and wondered where all our your money has gone? 87% of millionaires have some type of monthly budget. Having a simple budget spreadsheet will help you understand your current cash flow situation. This is important for anyone who is saving for retirement or wanting to payoff credit cards and/or student loans.

Budgets are not just for someone who’s wanting to pay off debt, but can also be used for planning an event. An event budget is where you budget for a particular event such as a wedding. Wedding budgets are very common, because you might have a certain dollar amount you want to spend. A budgeting tool will help you organize your expenses and determine if you have enough money.

A budgeting worksheet can be used for creating a college budget or a household budget. Creating a budget is a great money management tool that anyone can do. There are some free budget templates your can use for excel or google sheets. Personally, I recommend Microsoft Excel for my family budgeting. This allows more flexibility when selecting a family budget planner.

Personal Finance

Debt Snowball Calculator

Personal Finance

Top Ways to Save Money on a Tight Budget

We all know that it’s difficult to earn money. But to save money is more difficult than that. It’s not like that we do not try for that. But at the end of the month, we are unable to judge why we couldn’t save any money in spite of honest efforts.

The main reason is that one always try to save BIG money and many times ignore many small day-to-day expenses, which can easily be avoided.

In this article, we’ll discuss 33 of the Top Ways to Save Money on a Tight Budget.


  1. Make a car pool system by discussing with your office colleagues and /or neighbors. This way you save fuel and maintenance charges of your car every day.
  2.  Read the manual of your car and also its related websites. Get the basic knowledge of your car troubleshooting?
  3.  Planning for purchasing new car? Try old one with good features. Seek the help of professional mechanic to look insides of car machinery, engine, wires etc.
  4.  Don’t drink alcohol or any other such drugs. You might have to pay heavy fine or even get an appointment with accident or God!
  5.  Consider public transportation system also wherever possible and save fuel.

Credit cards

  1. Pay all your credit card dues on time. The interest rates are very heavy if you fail to do so. For those of you with high interest rates this is one of the top ways to save money on a tight budget.
  2. Use your credit card to pay your utility bills like electricity bills, insurance premium etc. Every time you use it, you’ll earn reward points, which you can exchange it for your shopping items like DVD Player, Mobile phone or even buy an airline ticket.
  3. Transfer your credit card balance to some lower interest card, if you’re unable to pay all dues.
  4. Try to convert your due amount into EMI.
  5. If you waste money using credit card again and again, put it in your home. Take debit card or cash instead.
  6. Do not wait for your physical credit card statement. Monitor your online credit card account from time to time to check any unauthorized transactions and inform the company immediately.


  1. Plan and book your airline tickets, hotel well in advance to get lower tariffs.


  1. Make a list of items you want to purchase before moving out for shopping. You might forget in absence of that and will waste fuel, time and money again.
  2. Don’t go for shopping just because you see big “SALE” outside. There is no point of wasting money on cheap but useless items. In fact, purchase only if you really need that and is available on discounted price.
  3. Keep on checking the expiry dates of your food items, wherever applicable and try to consume them first, which is approaching nearby.
  4. Ask for discount if you’re paying cash.

Hospital and Medicines

  1. Walk daily for 35-45 minutes. Don’t think while walking. Stay calm and enjoy the beauty of nature. You’ll remain healthy and will pay less on your medicines.
  2. Don’t buy medicines in bulk. Check the expiry date of medicines before buying and later on every month. Dispose of the expired medicines.
  3. Look for alternative system of medicine like Ayurveda or Homeopathy. Such medicines are much cheaper than allopathy medicines and can cure the disease from its root.


  1. Think again before buying expensive mobile phone or any such gadget. You can easily live with cheaper phone with basic functions.
  2. Don’t buy expensive applications or games on your mobile phone. There are tons of free apps already available on internet. Check out some authentic website.
  3. Use pre-paid service on your mobile phone instead of giving huge monthly charges.
  4. If you’re planning to buy smartphone, know what to look in a better smartphone before you buy. Check out the complete guide to buy Smartphone at 10 tips to select a smart Smartphone


  1. Replace your old Incandescent light bulb with new Compact fluorescent lamp (CFL) and save electricity bill.
  2. Turn off computer, music system or lights when not in use. Make it a habit.


  1. Turn off you water tap when brushing your teeth or shaving.


  1. Invest your money wisely to save taxes.


  1. Have patience and wait for new movie DVD instead of watching in cinema halls. Many times you’ll see the same movie within few days in your satellite channel also.
  2. Don’t take your date to expensive dinner or movie show. Instead try cheaper ones first and see the bonding of relationship first.
  3. Many videos and entertainment programs are available on YouTube also. Check them at your home or on your Smartphone.

Some misc.

  1. Wash your clothes in cold water
  2.  Cancel the subscription of your magazines and newspaper, which you’re not reading regularly. You can read its free electronic version on internet also.
  3.  Avoid taking buy expensive software’s. Use freeware. Search the net and you’ll find tons of such software’s.

 The above top ways to save money on a tight budget may sound simple at first scene. But just try to implement them in your life and see the miraculous changes.

 And let me know how much money you’ve saved after implementing any of the above tips.  Read about Earn Extra Money Online From Home.


Looking for the Finest Online Fitness Service Provider

If you are planning to generate help, the best thing that you can do is to look for the right fitness provider. You will never go wrong if you choose the best company. However, if you are an employee, it will be difficult for you to have fitness to attend regularly. You should find a way to get fitness services according to your desired time as long as you can independently-accomplish the job. You will never go wrong if you start looking for online fitness service providers because they can truly help you and use it here.

What you need to do this time is to ask some friends but you need to stick only to those people who have availed the finest online fitness services. You will be happy if you come to them. You will even have good times connecting to them because you share the same goals. Since they have already started their regimens, you have to ask them about the companies that helped them. They will give you the names and their initial impressions later on. It is just important for you to look for some reviews as well so that you will know if they can give you the best services.

What you have to do is to choose only one online fitness service provider. However, you need to set your own criteria if you want to find out if the provider is really the finest. For you to say that they are the finest, they need to have established their online programs for years already which made them known to many aspiring bodybuilders. Aside from that, they must have fitness instructors who are licensed and who are capable of determining the kind of click regimens that your body has to avail. They will be the ones to design your own regimens.

It will be a good idea also if you choose to get fitness service providers who are definitely offering an online platform that is available 24/7. Hence, if you have some questions, you can simply come to them and ask. Another important thing to consider is to know if they work with diet experts. You need to know the things that you are going to eat. If you eat a lot, you need to trim down your eating habit and choose fibrous substances to regulate your digestion. You need to look for foods that can improve your metabolism.

Other details can be accessed at 


Why People Need To Obtain A Healthy Nutrition Plan

Here are short healthy nutrition plan which can be customized to fit their diet and also their own training plan. There are a number of ways to make great choices with their nutrition and people would need to find ways which can work for them. Before people can try to find a good nutritious based diet based on their feelings, they must do research certain topics and find information about a number of different foods. It is of truly importance to start in a slow manner and try to know about a diet in small steps so that people would not feel that the diet is difficult for them to follow.

People need to start by eating a couple of servings of fruits and vegetables each day, they are truly easy to buy and would cause a complete change in the energy they have and how they truly feel from their diet. The next vital step in a healthy nutrition plan would mostly involve people listening to their body. If their body tells them to eat when they are hungry then they must eat but people must eat healthy foods like low fat yogurt and also blueberries.

One of the important thing that people must always be on their mind is that there are a number of valuable ways to achieve the nutrition that they are looking. They does not have to do the exact same thing as any other person, and there are a number of services that are available to easily achieve their nutrition goals. People would always try to find new ways to stay healthy and eat certain foods that would benefit them for a number of years. People must not give up on their nutrition plan, it would need them to give up some certain foods and also work hard to make great choices but they would be happy that they have did it.

People must not stray from their overall goals that they have set for themselves and try new diets on a daily basis. Once their nutrition plan becomes second nature for them, they can easily go on to assist other people to start their own nutrition plan. There are a number of possibilities when it comes for them to have a very healthy nutrition plan. There are various ways for people to experience health and nutrition in a truly favorable way, these can be from services that can provide healthy nutrition plans so learn more.

Please head over to for other relevant information.


How to Lose Weight? – Beginners Guide

This article will help you to know how to get started with your plan to lose weight. When it comes to weight loss, what works is what anyone concerned need. First, you need to identify a road plan for yourself. It must be clear; and secondly, you must take pleasure in following it through!

The challenge most people have when it comes to losing weight is their ability to follow through their plan or a specially designed program(looking for a great online nutrition planner?).  Now, you must have made up your mind and overcome that if you really want result. Good result hardly comes without a design or a program to make achieving it possible. That is why you might have made effects to trim down but it’s like you remain very far to that result you desire.

Here is the Good News about this thing called Weight Loss

The greatest force in man is our innate ability through God to bring about what was not. It is just the same with fat loss.

If now, you or someone you care about has added fat, the beauty of life is that we can create the circumstance we really love to see, out of what it is now; and that will require us to get rid of the fat.

Fitness Meal Plan By
Fitness Meal Plan By

Only You Can Stop Yourself on The Way To Achieving Weight loss

I know of Lisa, who followed through an effective fat loss program for just 31 days and maintained a healthy lifestyle that helped her retain the success. At the 28th day, she was feeling like an accomplisher already! It was so for her because she set her mind to use about some 31days of her present to buy future health, comfort and peace. She felt good with herself.

Why can it not be you?

How to lose weight?   Well the secret is in following it through. It is worth it. It is not rocket science. It is what you must sow in everyday. Hey, you will not need to follow it as”do or die” stuff but as an elegant change in lifestyle you must enjoy. Never mind the commercials that excite people but leave much to be desired afterwards because they do not deliver as they make us believe. But have it at the back of your mind that, ‘no victory is won without following through anything worth doing at all’. What am I saying? When you know why it is good for you to keep a good shape and cut down fat, it helps your resolve to follow a workable and highly effective weight loss program through.

Tom Klein also followed an “how to lose fat program” through in 31days. On the 28th day, he said, “…in 4 weeks, I have lost 22lbs (i.e. 10kg)” and he added, “the sad part is that I could have lost more, but I only exercised about 50% of the days I was supposed to”. Honest, you would say.

People do have results and many a times we decide how much successful we would be. Well, may be what really assisted them was how the program was structured; a kind of ‘I take you by the hand’ approached. That makes it easier to follow and assisted them in experiencing first hand result.

Many would like to know a sure, tried and tested way of how to lose weight fast. The 31 Days Weight Loss Exercise Program Cure Lisa, Tom and many others have attested to is a sure program that will literarily melt away those hard stucked fat. You will simply see the result. How far you will go would simply be up to you.

From Where do I Start My Weight Loss Program?

So, getting started about weight loss or how to lose weight begins with your resolution, ability to follow through a worthwhile, much tried, tested and a testimony spinning fat loss program, and then continue with a more healthy lifestyle. This is why finding a healthy diet to lose weight is always a good idea.

The best time to start with such well defined program for quick weight loss is today. Remember to share your experience and testimony with me because I know you will have interesting result that will sure gladden you


What You Can Get from Online Fitness Plan

If you are planning to lose some amounts of weight, you need to decide this time. You will never go wrong if you choose to conduct fitness because that is the best thing that you can do. It is important for you to do online fitness especially if you are working and your time to go to the fitness center is limited. There are many fitness centers who have opened the concept of online fitness because it is their way to accommodate a big market of busy people. You have to find the right online fitness company this time so learn more here.

You will never go wrong in doing a research. Once you research, you will be able to know which companies can certainly help you. It is sensible this time for you to make a decision. If you want the best output, you should really decide to conduct fitness and be religious on the regimens that will be given to you. If you have found the right online fitness company, you need to connect to them immediately. You will be able to know that they have the right services once you interview your friends and read some reviews about them.

What you need to do this time is to make a wise choice For Online Personal Training. You need to choose an online fitness company that is reliable. Hence, they need to be recognized by the state. Aside from that, the online fitness experts who are working with them should be licensed. They could not provide you the things that you need to do if they are not licensed. They will personally check your body and see that you are ready for fitness. Aside from that, you should also decide to find one that has connections to health and diet sectors.

If you choose to workout using online facilities, you will be checking some templates. All the things that you need to do can be viewed on slide shows. Aside from that, there are also videos that you can check. You will be happy if you decide to connect to them. It is also meaningful on your part to connect to an online dietitian. He is the perfect person to tell you what you are going to eat. Aside from that, it is also essential for you to know the things that you are going to eat every meal in order to achieve balance.

For more related information, please visit .


Weight Training Program Review

As your personal strength coaches with certifications in personal training as well as strength and conditioning, alongside certifications in exercise therapy and senior fitness, we will design a resistance training program that is custom built to your needs as well as goals and help you understand how to implement the program.  How to make a weight training program. Each week you complete the week of workouts and track in your personalized dashboard. At least once a week we will review your results, make adjustments, and provide any additional recommendations. Additionally, if you submit videos of you completing exercises, we will analyze your form and offer recommendations for improvement. On top of that, we are always available for support via email, and available for calls as needed.

Based on the information provided in your intake forms and through our communications with you, we create a 12-week online strength program customized to you, that:

  • Is built around your schedule
  • Focuses on the type of exercises you like and will help you reach your goals
  • Follows the principles of exercise programming such as specificity, periodization, progression, variety, etc.
  • Is 12 weeks in length

The program will be built according to your skill level, among other factors. Why is this important? This helps determine:

  • Frequency of training (number of sessions per week)
  • Length of sessions (time spent during a single session)
  • Time between sessions (number of rest days between workouts)
  • Total rest days per week
  • Type of exercises included
  • Volume (exercises x sets x reps)
  • Rest intervals (how long you rest between sets/exercise)
  • Type of progressions (which variable changes over time)
  • Rate of progression (the pace at which intensity increases)
Make Money Online

Learn How To Write Articles For Money

Writing articles, or content for websites, is probably one of the easiest ways to make money online.

All you need is a good command of the English language.  There are a few good websites that sign up writers to write content for their clients and the money you make with these websites will vary depending on the site itself, and the quality of your work.  You can also view this articles about making money from home.

When you first sign up, the chances are that you will only receive a basic or standard rate which could be as low as $1 for 100 words. But in time, that could increase considerably to $50 for 1000 words. These are just examples, but they are easily achievable.

Here are some of the best places to sell content or write for clients:

iWriter is just over a year old and has proved to be a very popular place for writers to start out and gain a reputation for themselves as a serious writer. You sign up for free and can start writing immediately. There are 3 levels of writer:

  • Standard
  • Premium
  • Elite

The rates you can charge for your work increases through each level.

The people you write for award you a score for the work you produce. This so called start system is used to determine when you are promoted from one level to the next. To reach Elite level you need an overall score of 4.6 out of 5, which is quite a challenge to achieve.  There are lots of things you can do to start making money now.

When you sign up to iWriter, your aim is to make it to the Elite level as soon as possible. To do this, you must write articles that get awarded 5 stars from the people requesting the work (requestor). It is advisable to write short articles (150 – 300 words) during this phase, because you can do more of them and maintain a higher quality. Stick to subject matter you are comfortable with and try to strike up a rapport or relationship with the requestor.

Increasing Your Online Earning Potential

You won’t make a fortune writing at the standard of premium levels, but at Elite, you can charge big money for your work so it’s worth the initial effort to get there.  So when you first sign up, write plenty of short articles for low money purely to build up your rating. Once you reach Elite you can go after the longer articles that pay upwards of $25 a time.

Before you start writing on iWriter, set up your writer profile. This is very important because people looking for writers WILL READ YOUR PROFILE. Add a picture of yourself (or get an image of the Internet if you don’t want to add your own picture). Write a bit about yourself saying you’re an experienced writer, the niches you like, where you live, your time zone and also give a guarantee. Tell any requestor that you do not want them to reject your work. Tell them you will re-write an article for them until they are totally satisfied with it. Quality is key here. If you can get a satisfied customer at this stage, they may come back time and time again.

For iWriter we give 5 stars.

Make Money Online

3 Ways To Earn Extra Money Online From Home

Lots of people ask me this question, “how can I earn extra money from home?” It seems like many wants to know the answer but few will actually take real actions to really start earning extra money from home. Most are put off when they know that it will require some work and effort. However, the truth is that every serious business or means to earn money will definitely require some effort on your part.  There are lots of real paying jobs from home, but I’m going to cover the basics.

You will still need to put in some effort if you are serious about earning extra money from home but trust me, you do not have to strangle yourself in order to do so and the potential returns of your effort will put a smile on your face.

To get started, you can check out these few recommended ways to earn extra money from home.

Free Lancing

Free lancing is a very popular method to earn some extra cash. If you have skill or knowledge in a certain field, you can always “sell” your knowledge or skill as a freelancer. Are you a good at creating contents? Why not is a free-lance article writer? Do you know how to speak and write multiple languages? You can be a free-lance translator.  iWriter is a great site to make some quick cash “Learn How To Write Articles For Money”

To look for free lancing jobs, you can go check out and you can find tons of freelancing opportunities.

Selling On eBay

Make Money Online With EbaySelling on eBay is another great way to earn extra money from home. A great tip to sell stuffs on eBay is to first research on what is already selling well. This will make your product sell much easier and faster because it has already been proven to be in demand.

Next, you will need to locate a wholesaler to stock up some inventory to sell. If you are able to locate a drop shipper that can supply what you want, that will save you a lot of trouble of having to mail the goods to your customers personally. On top of that, you can eliminate the risk of having to fork out money for the goods yourself.

Affiliate Marketing

Affiliate marketing is also an excellent way to earn extra money from home. To be an affiliate marketer, you are not required to possess any special skills or neither do you have to invest a big sum of money into it.

To be an affiliate marketer, all you have to do is to market someone else’s product and when a sale is made through your marketing effort, the vendor or merchant will pay you a commission.

And how much can you earn through affiliate marketing? Well, the sky’s the limit. Earning a high 6 figure income is highly possible with this one. But again, effort on your part is still required.

These are a few ways to earn extra money from home and if you would like to learn more free tips, you can go check out my blog through the link below.