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My First Budget: Drafting a Plan for Discretionary Spending
Published on - June 8th, 2009 (by J.D. Roth)
I've decided to develop a budget.
This probably sounds strange coming from a guy who has been anti-budget all his life. Besides, haven't I paid off all my debt? Don't I have a positive cash-flow of over $1,000 per month? Yes, these things are true. But I've noticed something troubling: I've begun to experience that lifestyle inflation I'm always warning others about.
Lifestyle inflation is the natural tendency to increase our spending as our incomes increase. When we get a raise at work, we're likely to spend more at home. A little lifestyle inflation is fine. But there's a real danger of becoming too comfortable with increased spending. Once we become accustomed to a certain lifestyle, it's difficult to cut back.
Cracks in the foundation
On our flight home from Orlando, Kris and I talked about my spending. It has increased in recent months. Some of this is deliberate. I've made a conscious decision to allow myself to spend more money on Wants. I can afford it. The trouble is that I've begun to spend indiscriminately again, and I'm afraid that's a slippery slope. I'll buy random magazines at the grocery store, or pick up a game for the Wii that I'm only half interested in.
I'm certainly not spending beyond my means, but I've begun to make more impulse purchases. I want to correct this now — before it becomes a problem. In the past, I've used a spending plan to help me meet my goals, and more recently I've been following the broad outlines of Elizabeth Warren's balanced money formula:
But sometimes broad outlines aren't enough. In this case, Kris suggested that a budget might help curb my impulsiveness, and I think she's right. With a budget, I can set specific goals. I can focus on the things I really want instead of just spending on random things that appeal to me in the moment.
So, I've decided to create a budget. Not a comprehensive budget — my Income, Needs, and Saving are all fine — but a budget for my Wants. I want to exercise discipline in this area so that I'm spending on things that are actually important to me instead of random stuff, stuff that ultimately turns into clutter.
Blueprint for success
To start, I reviewed my discretionary spending from last year and compared it to the totals from the first four months of 2009. This is where tracking every penny you spend can prove valuable. By comparing my past spending to my present spending, I'm able to detect trends. It's very clear, for example, that I am again spending too much on dining out. Time to cut back.
Next, I thought about my goals. What is it that I really want to do? Lately, travel appeals to me. Kris and I both would like to take a vacation to Europe in 2010. To make that happen, I need to save. This gives me a medium-term goal to save toward.
Finally, I allocated a specific amount of money toward my monthly Wants. Remember, because I'm self-employed, I have an irregular income that passes through my business account first. If I pull out $2500 per month (after taxes) to act as personal income, that gives me $750 to spend on my passions. That should be plenty.
Building the budget
After collecting the data and setting my goals, I made a first pass at a budget. This is what I'll use for June and July:
- Books: $50/month
- Comic Books: $50/month
- Entertainment: $50/month
- Clothing: $50/month
- Charity: $50/month
- Dining Out: $200/month
- Vacation 2010: $200/month (plus small windfalls)
- Miscellaneous: $100/month
Obviously, you might make different choices. I know that many GRS readers are avid contributors to charity, for example, and I suspect few of you budget for comic books! These are the allocations that seem to make sense for me and my situation. I'm sure that I'll make changes to this budget as I work with it in the real world.
Actually, I have a lot of questions about how a budget should work in the real world. Because I'm a budgeting novice, I could use some help. I'm hoping that you experienced budgeters can answer some of my questions:
- How often do you re-evaluate your budget? Do you make monthly adjustments? Quarterly? Yearly?
- If you go over budget for a month, what do you do? Do you make immediate adjustments? Or do you simply try to correct things the following month?
- What if I go under budget in a category? Does that mean I get to carry that money into the next month? Can I use it for a different Want category? (Perhaps sweep anything extra into the Vacation fund?) Or does does that money go to Saving instead? Or should I donate it to charity?
- How do you track your spending against the budget? If I used the envelope system, I'd allocate the actual cash to each account before-hand. But what if I don't want to have that much cash around the house? Is there a good way to keep track of current spending in each category? Should I carry a notecard with my monthly spending on it? (That seems to be what Bargain Babe recommends.)
- Do you try to further reduce spending on these categories? For example, should I try to drop my budget for Dining Out even more?
This is a strange new world for me. Over the past year, I've been pursuing more and more advanced personal finance subjects and concepts. Yet here I am, in better financial shape than ever, about to implement a basic skill I've never mastered before. That's okay. I believe it's important to continue focusing on the fundamentals even as we tackle more advanced topics.
This article is about Budgeting
Welcome to the wonderful world of budgeting! You're right, $750 seems really high to spend on wants every month, but hey, looks like you've earned it.
As for adjusting, we check out budget on the 15th of every month and at the end of every month. So halfway through we have an idea of where we stand and if we need to pull back in any category. And I'd sweep any leftovers into the vacation fund. I think it would be a colossal mistake to roll that money over unless you're saving up for a major purchase.
The interesting thing about your post is that your personal finance wizardry is allowing you to now spend money as freely as someone who has no budget. I don't know how I'd spend $750/month on wants. Where are you going to put all those books/comic books?
My wife and I set up a spending plan/budget before each month, and then we check it once a week just to see where we are with things and how much left under each "bucket" or more importantly where we overspent/under budgeted. I use an Excel sheet to draft the initial monthly budget (so we can play around with figures), but use Moneywell to actually track and manage. It took 4 or 5 months for us to iron it out, but worth it in the end to me to have the peace of mind of a plan so we do not over spend. Seeing the amounts with our own eyes makes us more accountable for not going over budget.
Good luck!
Great minds think alike– here is the breakdown I just posted a few days ago about allocating a pay raise:
Here is what I would do first:
40% Debt/liability reduction
30% Emergency fund
20% Long-term investments
10% Splurge
After the debts and liabilities were satisfied, I would shift to the following:
60% Emergency fund
30% Long-term investments
10% Splurge
Finally, after the emergency fund was realistically funded I would shift to my final breakdown:
80% Long-term investments
20% Splurge
You can budget splurge spending . . .
I too resisted a budget for a LOOOOOOONG time. About 3 years ago I finally decided that I needed to try it. We had no debt but the house but were in the same position as you where we seemed to be buying things that we didn't need and (in our case) not really making any progress towards goals we wanted to achieve (like travel, house repairs etc.). It is not too much of an overstatement to say that finally getting on a budget really revolutionized things for us financially (and this is from someone that has never had credit card debt and has been saving for retirement since my first job out of college).
I happen to use YNAB as my budgeting program and I find it extremely helpful. However, you could get a long way with just Excel too. I just enter things that I have spent against the different budget categories weekly. I make a very real and concerted effort to stay within my limits that I set every month for each category but things do come up during the month that sometimes necessitate going over in one category or another for whatever reason. In that case, I just hold back in another category and switch money between areas (move some money from the clothing budget to cover the money I spent stocking up on a great grocery deal, for example).
And, FYI, if I don't spend all the money in one category during a month, I do roll it over to the next month in the same category. I may not add as much money to that category in the new month because I have rolled money over. Or, I may add just as much. Depends on what I think might be going on (a great new book being released, a concert that I want to go to, a need to replace some expensive shoes etc.).
Good luck with this. Please give it a couple of months of really working with it. It took me about 3 months to get really comfortable with it and stop obsessing about it. Once I got it really working the way I wanted to it really made a HUGE difference for us.
I agree with the first poster – sweep any extra into the vacation savings. (Doing this may also provide the motivation NOT to eat out tonight).
Because we love to travel, we maintain a travel fund which we keep topped off at $3,000. The result is that we always have the money to take a trip. After the trip is paid for, we build the 3 K back up. This method works extremely well.
With respect to having a little bit of excess or going over a little bit in discretionary spending, our budget has enough flexibility that we sort of roll it into the next month either way. On average over the year it comes out to about even. We just keep track (either mentally or on paper) of what we've gone over/under and push it into next month.
I think you should probably roll over any extra into your vacation fund – $200 per month doesn't seem like much if you are planning to go to Europe next year (depending on how much savings you are strating with, how long you want to go for, etc of course).
I draw up a new budget every June (I was actually doing this tonight). June works for me because our financial year in Oz ends June 30 plus June is the month all our household's biggest annual bills are due (car registration, car insurance and auto membership). June is good because it is also a good time to assess whether we can afford to go on a holiday over the summer break as we will have 6 months to save.
My husband's and my income is pretty reasonable (we are both professionals with secure jobs) and we don't have any children (but are planning to next year). We essentially live off my husband's income and save mine but we are hoping this year to reduce spending and essentially live off my income and save his (he earns about 20% more than me) so I have been trying to keep a closer eye on our budget.
Like you, our income and spending seem fine (I have just gone through each category to check that we aren't overspending anywhere though). These are all essentially 'fixed' expenses too so it makes them easier to budget for (some vary slightly month to month or quarter to quarter but tend to average out – so I just budget for the averages and then round up).
Where we come across problems is in discretionary expenses. We have 5 categories that I set annual amounts for – groceries, gifts, clothes, entertainment and holidays. I keep my eye on these weekly until I am comfortable that we are sticking to budget and then I just check them monthly. Its slightly unconventional but it works for me. I keep a small notepad in my bag and just tally spending in each category each week. I've been keeping my eye out for an i-phone app that will let me do the same thing but so far I haven't found anything that I like.
I track my spending with a PocketMod. A single sheet of paper, folded this way, is a great convenient way for me to actually track my spending. I've filled up mine with the "Finance" organizer page. I've tried bound planners, booklets, notepads, but they are too big or bulky to go with me everywhere. It's smaller and more interesting than an index card, which to me is important in actually remembering to use it. I'm still in the tracking-what-I-spend stage, and not yet in the forward-looking-budget stage, but I'll likely keep the same system. ^_^
I use a modified version of the envelope system. I have opened accounts at ING to put my budgeted dollars into. This keeps less cash lying around the house and more earning interest. Then when I am ready to make a purchase I can check to see if I have enough money for it and if so, I go for it, if not, I have to wait.
I've budgeted successfully in the past when trying to pay off debt but it's been a long time.
I like the idea of budgeting the "wants" only. It's easier to keep track of and they are the easiest category of expenses to change.
How funny…this is exactly where I am right now. We paid our debt and now I'm looking at how to budget for our wants. Actually writing out the budget is a great idea.
I look at our spending each month, and if we go over, there's usually a good reason (lots of April birthdays, a wedding and travel expenses, etc.).
I think if we're under it just ends up in general savings right now, but I think in the future I'd like to carry some of it over. I like buying quality clothing, for example, and I could see myself saving up for a couple of months in order to buy something nice. Then again, throwing it all into the vacation fund would be a good solution, too.
I don't like the envelope system because I'm an avid online shopper. I also seem to find some of the best deals online, and I use AA eshopping for bonus miles and Ebates for cash back. Maybe the notecard idea is worth a try. Right now all of our expenses go on a CC that we pay off (we do it for the AA miles), and since I reconcile in Quicken at the end of the month, at that point it's too late to correct any spending for that month.
I would like to keep spending low in some of the categories, only because others, like the vacation, are more important. Also, we're building a house soon, and I want to direct the largest chunk of our discretionary spending into our house savings.
I agree that putting any leftover money into your vacation fund will be a great motivator – you'll get that money saved up much faster.
I keep an eye through the month on where I am with spending in any category – but I do NOT let myself adjust those levels every month if I go over. I make myself try for several months in a row to meet my first target. It's easy to convince myself that I need to spend more than I do. If I have to go over on my groceries, then I don't sweat it too much. But if I don't sweat it a little, then I know I'm buying more than I need. I'm not sure if it's reverse psychology…but it works.
Any extra money I save gets split in half: 50% to my student loans, 50% to my "fun" money (usually spent on books or a nice cheese or bottle of wine).
I've been using Mvelopes.com for the past 6 months. It allows for envelope-based budgeting while using plastic, etc. I love it. Since I like to use a rewards credit card for my day-to-day spending, it's very easy to ignore a budget and over spend. By putting all of my transactions into Mvelopes and assigning them to an envelope, it helps me to enforce limits on my spending.
I've been budgeting on a spreadsheet for a few years now – let me tell you that your system will evolve until all of your above concerns are answered. I really feel comfortable with my current system, and GRS definitely helped shape it's concept:
For me, I follow a balanced money formula of 50% Need, 25% Save, 25% Guilt Free spending. My 25% savings goal is automatically withdrawn on the 15th of every month, I use cash only (No CC) for the 25% spending, and the 50% need seems to fall in place with regular payments of rent, electric, auto, etc.
I try to use the "less is more" approach to budgeting, not bury myself if sub-categories. Any spill-over money goes into short-term savings.
"Our life is frittered away by detail. Simplify, simplify."
-Henry David Thoreau
I use Mint (www.mint.com) to keep track of budgets with a variable number of purchases such as you described. Essentially, you enter your credit/debit card accounts into the system, and it tracks and automatically categorizes every purchase based on what it is. For instance, a purchase at Barnes and Noble will show up in the "Books" category. It's pretty extensible, and you have the ability to add categories, and also re-categorize things as need be.
The best part about it, though, is that you can add a budget based on these categories to the front page of the website. When you spend in a category, a little bar lights up on the website, and is green if you are under budget so far for the month, yellow if you are overspending, and red if you have spent too much. If you make most of your purchases via a debit or credit card (that you pay off each month) you will be able to log in to Mint once in a while and check to see if your on track with your spending for the month.
This way, you don't need to go through the hassle of keeping a spread sheet together with what you have spent. They also allow you to see trends and such too, with nice Flash graphs.
Hope this helps!
We do something like this – the only areas we budget in are two where we can go haywire – eating out and groceries. My husband and I both have "allowances" – mine go to music lessons, yarn, lunch/coffee with friends, and the occasional book (we've cut way back on the book buying). No real clue what his goes towards . We're still paying student loans and a mortgage (but no consumer debt anymore – YEAH!), but we still allow ourselves the allowances because we can. I should probably start budgeting my allowance, too!
We always carry over. Often, expenses vary over the year. Clothes are a particularly good example of this. I generally shop for clothes 2-3 times a year, plus maybe one or two other times when I have a specific need (like when I need a specific color t-shirt for an event). So I set aside the money each month. Even if you shop and buy one piece each month, what about large expenditures like winter coats, that occur only every few years?
This really does apply in other areas. Some months I may have a lot of social committments and eat out a lot, other months I may have a lot of free time and want to pick up a few more books, or maybe a new game console comes out that I'd like to have.
If you seem to be consistently having money left over and don't anticipate the possibility of a larger want in that category, you can always reduce the budget.
The name of the blog after all is "Get Rich Slowly". Not "Stay Cheap For Life."
So I think spending a little more is perfectly acceptable, but you're right about keeping it in check. One can lose richness quickly if one loses control over spending.
I completely relate to your desire to enjoy yourself and your earnings, and also have clarity on your money and where it's going. I've found that I can never enjoy my life too much — but it's plenty easy to spend too much money. So I've written a post on ways I have lots of fun withOUT spending money. Hope it can be helpful to some readers: http://www.diamondcutlife.org/free-ways-to-enjoy-ourselves/
I am still paying off debt, but I have a "budget" with 4 items in it. All of my have to pays, cars, house, utilities are not in this budget. I have gas, groceries, eating out and miscellaneous. These are all things I can spend on or not at least to a certain degree. I have to eat, but I can eat beans or steak. That is why I say I have some control. We use a debit card for all purchases so I go online daily and put in what we spent. Takes about 5 minutes a day. To me you should have the categories and the budgeted aamount but if you overspend in on category it doesn't matter as long as you cut back in anoter. As long as you don't spend more than what you alloted does it really matter where you spent it? I mean if you buy an expensive game and it goes over its budgeted amount but you spend less eating out does it really matter? You are still on track if you don't spend more than the total what you budgeted. Any thing left at the end of the month should be moved to savings someplace Vactation or whatever else you want to put it. I redo it monthly looking ahead and planning for things coming in the next month. This way if you know a new version of your favorite game is coming out you can plan for it. Remember a budget is a guide, not a rule.
I have an OpenOffice (www.openoffice.org – I love free legal software!) spreadsheet that I keep track of EVERYTHING on – needs and wants. I'm on unemployment, so "down to the last penny" is really important right now. I'm still paying down my student loans and building up my net value – yay!!!
About the 'wants' budget: For about a year after I started keeping a budget, I tracked my wants in about 5-6 different categories like yours – eating out, entertainment (which included my social dancing entrance fees – at $5-$10 per night out, that adds up fast!), a "correspondence" category that funded long-distance phone calls to my then-overseas boyfriend, clothing, gifts for others, and (oddly as I look at it now) car maintenance.
Problem was, I found myself fudging the numbers from one category to the next more often then not. I'd overspend on one and underspend on another and trade back and forth constantly. Sometimes I'd feel like I couldn't eat out one night because there wasn't any more money in my "Restaurants" category, even if there was $10 or $20 in my "Entertainment" category.
I ended up sweeping much of that money together into one giant "Slush" fund that holds most of my "spend it on whatever you want" money. I still track clothes, gifts, and car maintenance separately, because those aren't every week and I like to have money set aside for them. But books, games, nights out, everything else that I don't HAVE to spend money on comes out of the slush fund. That way I don't feel guilty or self-conscious "cheating" on my budget because I'm moving money around from one category to the next.
I also like to keep a "Short-term savings" fund that I use kind of like the proverbial carrot on the stick – If I fund everything else and don't overspend, I can put money in that fund for special things I'm saving for – like spending money for the trip to see that overseas boyfriend, or maybe cash for a new laptop. "Short-term" because it's not an emergency fund, nor is it retirement, but it's discretionary spending on things I want within the next few months to a year.
My wife and I track our budget constantly but have a monthly review at the end of the month. Basically here is our process.
We make all purchases with a rewards-based credit card (I don't advise this for everyone but since we are using a budget we are conscious of our spending). Occasionally stores we visit don't accept credit cards so we use cash. We take the receipt home. It's laid on my desk to remind me to enter it into the budget. Usually I do this every 2 days or so.
Within our Excel budget we have tons of trackers/numbers to track our monthly progress. (Eventually I'd like to start using Mint.com to do this – since they have a budgeting tool built in). I have a total projected costs and total actual costs rows as well as projected living expenses (to see how well we can live off one person's salary and save the other's). Each time a receipt comes in I enter it into it's category by the end of the month it looks like this in Excel…"0+5+8+9+15+30″. So I can add each receipt individually yet see the total in the formula. I want everything to be easy and simple to view. (P.S. I'll be glad to send my budget template to anyone who wants to use it and give it a try).
Here are some answers to your questions:
1. We track ours monthly. My wife can sometimes call me nutty about it but I enjoy looking at the numbers and she is glad I do.
2. Give yourself 3-4 months to let your budget align. Don't worry too much about being a little over or little under. Track the budgets at the end of the 4 month period and average each category to get a better idea of what you should budget for in each category. Since we started our budget at the beginning of the year we have been pretty relaxed but we are about to start tightening this up since it's been a full 5 months. We are making some job/life changes right now so the budget is going to get kind of crazy during the summer but by the fall I'm hoping to have it nailed down to where we are +/- $10 in each category (I like to give myself some wiggle room)
3. If we are under budget (this is my favorite ) then we have setup our ING account to have all our mutual financial goals which we sweep the remaining money into – therefore we forget we have "extra" for the upcoming month. We each have a blow account so we fund those each month – $100 per person then we sit down together and say "These are our priorities, what do we want to fund first?" (this can include car, travel, home improvement, house, etc – remember to get that emergency fund nailed down first). We like doing this together since we both can see each other's goals visually and talk about them with one another.
4. I use the Excel sheet to enter each expense but a notecard/envelope system would work to. I'm a huge fan of Excel and all it's analysis/charting tools so it helps me to keep it digitally.
5. We have also created a wealth management plan (name coined by my former finance professor). This is our written contract with ourselves of our goals and lifestyle that we'd like to pursue. We review this semi-annually (every 6 months) along with the budget and average out the categories to see if we need to realign more/less money into a specific category.
Sorry for the long post but budgeting is something I'm a strong advocate for. I've watched former family members become horribly in debt (multiple times) and so I wanted to fight against the temptation and the best avenue for me was the budget. Good luck J.D. with the budget and look forward to hearing more about how your tracking of it goes!
yay! I am excited to know where you will make your first charitable contribution.
My husband and I have had a lot of extra income for the past few years. We're loosely allocating it towards the mortgage and general savings for rainy day/old age/next car, etc. But it is hard for me to resist wants. My weaknesses are similar to your books, my hobby (baseball cards) and tennis shoes (I walk, run, and play a lot of tennis so they get used, but still…). But as I've gotten older and more used to the extra income I've realized I enjoy these indulgences, but don't need them in the excess I think I do.
You just come to realize there are more important things in life and there are lots of people out there with A LOT LESS than you and when I open my closet and see 6 pairs of tennis shoes and 4 pairs of running shoes I tell myself "Enough".
I think its very natural to have weaknesses, it doesn't make you bad and it doesn't mean you are overly susceptible to advertising or keeping up with the Joneses, it's just normal to have weaknesses. But I think you'll start to see that there are other things more important. If you must budget I would go with a percentage rather than a hard number.
I've found yodlee.com to be incredibly helpful in budgeting. It will automatically categorize all your spending and help you create a budget, based on your spending for up to the last six months.
I've found that I only need to re-budget after a major cash flow event like a raise or new apartment.
I just moved overseas and many shops don't accept credit cards. I made a strict budget and transfer a set amount each pay period to local currency. I don't keep track of categories, so if I spend less on groceries I can treat myself to something else. Cash is a great reminder for how much you really have left.
It has it's ups and downs, but keeping spending money separate from investment/saving money is a lifesaver.
On the subject of if your excesses should roll over or not: I believe the answer is "sometimes", and it depends on if you're likely to make up the difference in a later month or not.
- Dining Out: if you don't spend everything budgeted for the month, are you likely to eat out more than usual the next month? Probably not, so sweep excesses into a mid-longer term savings goal.
- Books: if your purchases tend to come in bursts (you spend less than the budget one month, but more than the budget next month), then keep the overages and let them average out over multiple months.
I tend to sweep out excess money from fixed categories like Eating Out and Groceries, where if I don't use the money now, I'm not going to ever. But, for instance, I have a Tech category for feeding my nerd-needs. Last month, I bought a couple of $0.99 iPhone apps out of the $40 budgeted. But next month I may buy a $50 Wii game, so I'll need the extra from prior months to make up for it.
I agree that income and needs are pretty much 'fixed' and what we can play with are the wants and the savings categories. In my situation, I'm a 'future' while my husband is a 'today'. So arguments about wants/savings are always a sore spot in our household.
We don't have any debt, and have goal of paying off our mortgage in 2 years time. My husband also wants to take our kids scuba diving in Florida 4 summers away(huge trip, huge trip!) I want to save for kids' college funds(4 and 8 years away, respectively).
My husband thinks that since we have retirement fund(16% of gross/month)I shouldn't be uptight about spending. He would spend on a magazine here, a starbuck there, a pair of expensive shoes here, an electronic gadget there, just spending without a plan. After years of tension I implemented the Dave Ramsey spending budget 2 months ago and so far it has calm me down so much (Although I have written down every item I spent for 18 years I never categorized them). Now I just budget all the needs and savings for the whole household; then give my husband a set amount as his 'blow money'. This way, he doesn't feel that he works hard for no fun at all, and I get the peace of mind that we are livinf within our means.
Glad to have found this site. Great discussion.
This is very close to the system I have been using for a while now. WRT tracking spending I use a spreadsheet. I actually use a spreadsheet to track all my spending and include my discretionary spending in there.
As for the actual numbers I treat it something like this, the total amount of discretionary spending, in your case $750 is what I check against. Some months dining may be up others books, etc. So long as the *total* number is under, I feel OK. I basically hybridize a budget and a spending plan, taking the best elements of both.
If in a given month my total is under, say in your case I spend $700 then I take that remaining $50 and put it in an online savings account specifically for discretionary spending. Essentially I treat it like a rollover plan with cellphone minutes.
Assuming your general level of savings is high this is a fairly good route to take. If your savings are low, speaking to general public not you per se, then the extra cash may be better used going towards a general savings plan or debt reduction.
I haven't had a detailed budget in a while. The reason was I had some legal internships during the summer that filled my bank account with money. I really didn't have to worry about where money was going to come from to pay for stuff because we had enough. Basically, I was lulled into a false sense of security. I didn't spend it all, I still have money left over from last summer, but I'm sure I could have maximized it better if I had a budget.
So this post was a nice kick in the pants to start one up. When I did have a budget, I'd look at every month and reevaluate it.
You've written in the past about a desire to increase your gifts to charity, and I'm happy to see you're finding a way to make that happen within the new budget. This might be a perfect opportunity to increase giving by a small percentage each month. Maybe an increase in giving could go hand in hand with the potential decrease in dining out you mentioned. There's no better time than the "start" to make a great habit stick, especially when you're so keenly aware of your own needs being met.
In terms of keeping records, everything we spend goes into an excel spreadsheet. There are separate worksheets for each month, and a YTD sheet that pulls information from the monthly sheets. If we go just a little over/under, the YTD sheet takes those fluctuations into account. We reevaluate the budget when there's a major change in income or spending priority.
I also use Mint.com to track my budget – it is a huge timesaver over the excel method I used to use. There is also an export to excel option AND an iphone app that is quite handy when I travel. The software is quite flexible and will text or email you if you go over budget or there are larger than usual debits (both of which can be tweaked to your own preferences).
We have a budget but allow our selfs the freedom of an allownance with no specific purpose. That works for me some months this goes to entertainment or music other times to eating out etc etc. spending in each subcategori is different evey month but when the money spent there is no more until next month (actually it was very many months since there was none left at the end).
Also when some money is left over we usually transfer it to the vacation fund or somethimes roll over if we know that next month is going to be costly.
There are loads of thigs I want but since the thing I like the most are days with family i have put a price on them equivalent to one days total living expenses (all must and want) which is about 150$ for our family and then I value each piece of spending against this amount. A few weeks ago for example we really wanted a second car for the flexibility and had calculated that it would probably cost about 450$ in total per month. This was reasonable I though until i recacluated it and realized that this would translate to 3 days of living expenses every month = 36 days in only one year!!! So don't just budget the money also budget what this money might buy you if you spend it on something else…..
I started budgeting late last year, so I'm a newbie, too! Here's what I've come up with so far:
I use ooCalc (Openoffice's version of Excel) to build and maintain my budget. This year, I've split the year into Thrids, and review/make adjustments after every Third. Next year I'm going to switch to quarterly.
I track every penny I spend, and, each night, I take about 15 minutes to add what I have spent for the day to my spreadsheet using the method that Chris Wilson mentioned above (comment 22). In the "Spent" column, I'll enter "=10+24+34″ etc, so that I have a running total at all times of how much I have spent in a category. Since I don't use the envelope system, this makes it easy for me to see how much money I have left in category. So, if I'm going to buy groceries, I open up my spreadsheet, take a look at my actual vs. budgeted, and have an idea of how much I can spend.
In the beginning, I used to beat myself up if I went over in a specific category. Then I realized, that even though I was over-budget in one category, I still came in under-budget overall, so I started to take it easier on myself. Also, after reviewing the first Third of this year, I realized that even though I might have been over-budget in a specific category for one month, I was actually right on, or under-budget in that category for the Third. So, to answer your question, if I go over-budget in a category one month, I'll just try to spend less in the following month.
After reviewing the first Third of this year, I was also able to reduce my budgeted amounts in some categories, since, in those categories, I was under-budget substantially in every month.
I'm still at a loss as to what to do with the money if I'm under-budget in a category. So far this year, I've split the amount 50/50: 50% to savings, 50% to debt-reduction. Lately, I've been wondering if I should roll it over to the next month instead to help cushion the months I might run over-budget in that category.
My first reaction is that it's fabulous to make a budget, but you might want to amalgamate a couple of your categories together so that you're not taking all of the fun out of your fun money.
I'd definitely leave Clothing, Charity, Vacation and Dining out. But maybe put the books, comic books and misc. all into one larger category so you still feel like there's freedom with this money.
It's definitely ok to borrow from one category to top up another (**vacation and charity being 2 notable exceptions) as long as you don't go over in total. And as one of the previous posters said, check where you are halfway through the month, then you shouldn't go over.
As for going under – do whatever you like. Sweep it all into the vacation; sweep only half of it; or leave it put so that if you come across a limited edition Superman one day, you'll be able to grab it!
For my budget I track everything in Excel. I setup an annual system, one worksheet for each month, then have running totals and various charts and graphs. What can I say, I'm a math nerd. It's very flexible and powerful. I also track everything in jGnash (similar to Quicken). I know it's overkill, but it works for me and I enjoy doing it!
We reevaluate our budget and debt load every month. Our budget isn't so much a budget, though, as it is a flow chart of living expenses and debt payments and the amounts we typically spend from month to month. I look it over every month to see where we can squeeze out more money.
To keep track of spending in which category, I use pearbudget. Though it costs $3/month, its simplicity is really genius. Using their system, it doesn't care if you paid by cash (envelopes)/check/debit card. Doing it online allows me to enter my income and expenditures at work or home. Every month you enter what your anticpated (then actual) income, and then your expenses as they occur. It works just like a monthly balance sheet.
The other feature I like best is irregular expenses. It keeps track of what you set aside for say, auto repair. If you budget $100 for the month, and spend only $50, pearbudget carries over the remaining $50 to next month. Quite handy if you allocate a yearly amount for variable expenses that don't occur every month.
I really wanted to like neobudget, but it was too unwieldy for me. I'm very OCD and it took too much time to setup and implement to my satisfaction.
I'm on a Mac and MoneyWell is a fantastic app to mimic the envelope system (I'm not affiliated with them in any way). I use the debit card for everything and track everything through the app. I'm digging myself out of a huge amount of debt and this tool has really helped me make sure I'm not using any new debt as well as making sure I have the "cash" to pay for things before I buy them. Super easy to use.
You're talking right up my alley. I'm a big fan of budgeting, and I use the envelope method with NeoBudget. To answer some of your questions, when I underspend in an envelope, I carry the balance over to the next month. This helps me compensate for a month where I overspend.
I track my budget once a week for about 15 minutes. I download my statement from my bank and import it into NeoBudget. As I import, I go through each transaction and split it across my envelopes.
Voila! I've tracked my spending for the week. Once I got used to it, it's pretty easy. I actually look forward to it each week.
Budgets: I started with 6 months of expenses (I use my debit card for almost everything) and tracked where I spent stuff and created a budget from that, which I create annually and tweak when something impacts it (like saving to be in my sister's wedding last month). I've been tracking since 2006, so I have a pretty good idea of how much I'm going to spend in each catagory.
I roll over money from one month to the next – things like clothes I only buy a few times a year, but then I'll need a good chunk of money for it.
I'll also pull from one 'pile' to the next. My gas pile will be pulled from when I get an oil change if I deplete my car repair pile. I try to pull from a related 'pile', but if not, I just snag from the highest balance.
Good luck!
I have a similar sized 'personal' budget. My spending is not that regular on items to categorize. On payday, I automatically move $300 to my "big splurges" account, and any leftover goes to this account as well. I fix about $2000/year in splurges I plan on (eg, a trip), but then typically find that there's a couple other larger things I want through the year that I can then afford.
The one area where I feel I overspend for the utility I get is dining out / convenience store purchases, so I decided to make that the one thing I pay for with cash so that when the cash is gone, it's done. I put $200 cash in my wallet for the month. Everything else I put on a CC that gets paid off monthly. If I was to ever have cash left from that $200, I would roll it into next month's dining. So far that hasn't happened.
I track it online but then record the results in Excel.
My wife and I are going through this same thing. I've been the only one earning income for the last couple years. Now, my wife is about to start her residency, where she'll earn about 50k per year. The same month that happens, I'll receive a raise of about 10k per year. So our income will increase by about 60k per year very soon. Having this knowledge has made it harder for us to make solid financial decisions! We're going to revisit our budgetary and financial goals soon to talk about how to manage the additional money that's going to be flowing through our hands.
Excellent post. Thanks.
This was interesting to read for me (I just started reading your blog in the last couple of weeks).
My husband and I started with as detailed a budget as you have because discretionary spending was our big issue. What we did was set yearly goal for each category and then divide by 12 to get our monthly goals. Because we look at them as yearly goals anyhow we do carry over/dip into next months allotment if we have a significant purchase to make. This is of course made possible by having a small savings done for this purpose alone. Then we just make sure we are balanced come the end of the year so every month we look at where we are, and make adjustments to what we are spending if needed (not to the budget itself).
One thing we need to be better on is travel budgeting. We took the stance of just putting more into short term savings then is recommended and using that for travel, but I think we need to start a travel fund specifically to keep that more in check.
Another great post!
We also use Mint.com. I find it works almost exactly how we need it since we never pay in cash, our credit card gives 1% of purchases to our mortgage principle so it makes sense to just use that and pay if off each pay check.
The only issue is they don't automatically do the rollover budgeting as I described in my first comment. So at the end of each month I have to adjust our budgets for the next month based on how we did that month. It is a bit annoying but in reality only takes me about 30 minutes a month, and the categorising only takes me about 15 minutes or so a week so all in all it is worth it for us.
My boyfriend and I have an envelope system. We like to use our rewards creditcards, so our envelopes contain receipts only. We make a purchase, the receipt goes in the corresponding envelope and the runnig tally goes on the envelope. This way we know how much is left in each category and our receipts are safe in case we want to make an exchange or return. At the end of the month, we sort the receipts to keep or toss and start the next line on the envelope.
We can move money around. We both bought flip flops and sunglasses and some clothing for the summer which burned our clothing/gifts category, but we're coming in low for food and entertainment, so we'll take money from there to even it out. Some things just cost more and as long as you spend less in another category, go for it. Any leftover goes to savings since we want to have a gargantuan downpayment for a house in a few years. We do it this way because our budget is roomy and we can always get what we need on it, so we don't need more than is alloted generally.
Have fun!
I'm not one to judge… but $750 sounds like an awful lot to spend on wants if you were in debt until your late 30s-early 40s. What about retirement? You've lost about 20 years of the magic of compounding interest… if I were you I'd be a little more concerned about building up those retirement portfolios. I'm sure you are maxing out the 401-K (or whatever that account is called – we don't have those here in Canada), but maybe you should sock away a bit more towards retirement… you can never have too much.
I'm not sure if I'm remembering this correctly, but I think JD mentioned in a previous post that the one good thing he had done when he was younger was save for retirement.


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Excellent Super Easy Healthy Dessert. My family loved it and it was a great idea to serve the warm pudding with greek honey yogurt.
Sweet Potato Pudding
Yield: 6 servings (serving size: 1/2 cup pudding and 2 teaspoons topping)
More From Health
Recipe Time
40 Minutes
Nutritional Information
Amount per serving
- Calories: 200
- Fat: 4g
- Saturated fat: 1g
- Monounsaturated fat: 2g
- Polyunsaturated fat: 1g
- Protein: 6g
- Carbohydrate: 38g
- Fiber: 3g
- Cholesterol: 70mg
- Iron: 0.0mg
- Sodium: 95mg
- Calcium: 0.0mg
- Cooking spray
- 2 large eggs
- 3 tablespoons honey
- 1/4 cup 1% low-fat milk
- 1 slice whole-wheat bread, crusts removed and crumbled
- 2 cups mashed sweet potato
- 1 teaspoon vanilla extract
- 1/2 teaspoon ground cinnamon
- 1/4 teaspoon ground allspice
- 2 tablespoons chopped pecans
- 2 tablespoons chopped crystallized ginger
- 1/4 cup plain 2% reduced-fat Greek yogurt
- 1 tablespoon honey
- Preheat oven to 350°. Coat a 1 1/2-quart baking dish with cooking spray. Combine eggs, 3 tablespoons honey, milk, and crumbled whole-wheat bread in large bowl. Beat with a mixer at medium speed until smooth. Add mashed sweet potato, vanilla extract, ground cinnamon, and ground allspice to bread mixture; beat until smooth. Pour mixture into prepared baking dish; sprinkle with chopped pecans and chopped ginger. Bake at 350° for 25 minutes or until pudding is set and slightly puffy (it will sink slightly as it cools). While pudding bakes, combine yogurt and 1 tablespoon honey; stir until smooth. Divide pudding among 4 bowls; top each serving evenly with yogurt mixture.
My Notes
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Sweet Potato Pudding Recipe at a Glance
- COURSE: Desserts, Puddings/Custards
- MAIN INGREDIENT: Vegetables
- DIETARY CONSIDERATION: Low Saturated Fat, Low Sodium
- PUBLICATION: Health
More Recipes Like This
Christmas Pudding with Brandy SauceCooking Light
Sweet Potato PuddingHealth
Cornflake, Pecan, and Marshmallow-Topped Sweet Potato CasseroleSouthern Living
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Reader Comments (Page 1 of 1)
Agreed, it's the same as a bad craftsman blames his tools; an addict in denial blames his addiction. It's not the activity / addiction that's the problem, it's the person who lets it become the overwhelming force in their life. Sure, it's easy to get addict to gaming such as WoW but WoW and other MMO's aren't bad, it's the people who decided that WoW > Real life.
It's good that the in the end he "got better" but still, WoW isn't some disease that once you start, OMG BYE BYE SOCIAL LIFE which has to be "cured" by removing it, which is kind of what the movie depicted.
As WoW's loading screen tip says: Take all things in moderation; even World of Warcraft!
Words of wisdom from the all-knowing loading screen tips.


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$32.50, $42.50, $49.50
Tickets on sale Friday, September 19 at 10 AM!
Four-time GRAMMY nominee Hunter Hayes brings his Tattoo (Your Name) Tour to the Sears Centre Arena on Friday, November 21st with Dan + Shay and The Railers!
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Rolling Green - Amherst
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Rolling Green at Amherst in Amherst, MA, is only minutes from Amherst College and the University of Massachusetts at Amherst. We offer one, two, three and four bedroom apartments and townhomes for rent.
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Free agency is less then 24 hours away amd there are more rumors flying around then ever. The biggest is Mike Wallace will be soon joining the dolphins. There are a lot of reports that people around the league see Wallace going to the dolphins. That is both good and bad, Wallace wants to go where it is warm and get paid. Miami offers both, and so far is the best candidate. But the Dolphins were in this same spot last year with Payton Manning last year, it didn't take long until a dark horse came out and Payton then landed in Denver.
Wallace, should end up in Miami though, Ireland knows he can not drop the ball anymore and he NEEDS to join the Dolphins. Miami has not had a true number one wide receiver since Brandon Marshall was traded last offseason. Wallace does something Marshall could not, he makes the players around him better. Marshall could not make any other player around him better. Wallace has the ability to open up areas for a Brian Hartline or Davone Bess to catch passes underneath.
The receiving core could also changing up more when free agency begins. Slowly talks are starting to heat up about the Dolphins possibly signing another receiver, Gibson from the Rams or Even Wes Welker who the Dolphins traded away just a few years ago. But to gain one of these it would be highly likely that Davone Bess may be on his way out of Miami.
Everything we have heard up to this point has been nothing but speculation. Nothing is going to happen until 4 o'clock eastern time. From then on Jeff Ireland will start his plan to make the Miami Dolphins a competitor in 2013.
Next Dolphins Game View full schedule »
Tags: Brandon Gibson Brandon Marshall Brian Hartline Davone Bess Jeff Ireland Joe Philbin Miami Dolphins Mike Wallace New England Patriots NFL NFL Free Agency Ryan Tannehill St. Louis Rams Wes Welker


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Remember Me
Yesterday I happened across this article in the Guardian, "Dowsing competition pits diehard believers against sceptics," in which a web site called The Megalithic Portal is giving away calendars to the winners of a "map-dowsing" competition.
Map-dowsing is a particularly silly practice which makes use of the ideomotor effect to supposedly locate hidden materials or objects, much like the usual walking-around-with-a-stick kind of dowsing. But with map-dowsing, you don't even need to put on your hiking boots. With map-dowsing, you just wave your magic wand over a printed map or a computer screen to find the treasure. Those nonexistent "vibrations" that dowsers claim make their pendulums swing, wires cross, and forked sticks twitch, are apparently so strong they even can even be found in a paper map, printed from an image online, that contains no trace of the object to be found.
I'd like to remind any would-be entrants to this contest that if they'd like to win something more substantial than a calendar, any wand-waver who obtains impressive success with his/her efforts is of course eligible to apply for the million-dollar prize offered by the James Randi Educational Foundation. Any interested person can find all the details right here. Since dowsers have by far been the most numerous applicants over the 15 years that we've offered this prize, we might expect a reaction…


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Batgirl #8
Batgirl #8
It begins…
Tags: batgirl guest artists john stanisci multiple artists steph brown stephanie brown talent caldwell yuel guichet comics
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I substituted vegetable broth for water and added 4 cups instead of 3 because I went a little heavy on the vegetables, but other that that was true to the recipe. I was very happy with the result - I will definitely make again.
Creamy Lentil Soup
Photo: Oxmoor House
Crumble bacon pieces over this delicious Creamy Lentil Soup for a heart-warming dish. Don't forget the sherry because it lends a unique, rich flavor to the soup. Served with a piece of warm garlic bread and enjoy!
Yield: 6 servings (serving size: 1 1/3 cups)
How to Prepare Leeks
How to Slice a Potato
More From Cooking Light
Nutritional Information
Amount per serving
- Calories: 287
- Calories from fat: 29%
- Fat: 9.4g
- Saturated fat: 4g
- Monounsaturated fat: 3.7g
- Polyunsaturated fat: 1.1g
- Protein: 13.6g
- Carbohydrate: 37.4g
- Fiber: 5.8g
- Cholesterol: 15mg
- Iron: 4.2mg
- Sodium: 465mg
- Calcium: 72mg
- 3 bacon slices
- 2 cups chopped leek
- 1 cup chopped onion
- 3 cups water
- 2 cups chopped peeled baking potato (about 12 ounces)
- 1 cup dried lentils
- 3/4 cup chopped carrot
- 1/2 teaspoon salt
- 1 (16-ounce) can fat-free, less-sodium chicken broth
- 1/2 cup half-and-half
- 2 tablespoons dry sherry
- Cook bacon in a Dutch oven over medium heat until crisp. Remove bacon from pan, reserving drippings in pan. Crumble bacon; set aside. Add leek and onion to pan; sauté 4 minutes. Add water, potato, lentils, carrot, salt, and broth; bring to a boil. Cover, reduce heat, and simmer 1 hour or until vegetables are tender. Place vegetable mixture in a blender or food processor; process until smooth. Return puréed mixture to pan; stir in half-and-half and sherry. Cook until thoroughly heated. Sprinkle with bacon.
My Notes
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Creamy Lentil Soup Recipe at a Glance
- COURSE: Soups/Stews
- MAIN INGREDIENT: Beans
- DIETARY CONSIDERATION: Gluten-Free
- COOKING METHOD: Blender, Food Processor
- PUBLICATION: Cooking Light
More Recipes Like This
Red-Lentil SoupCooking Light
Winter Lentil SoupReal Simple
Curried Lentil Soup with Yogurt and CilantroCooking Light
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Food on board
Standard Class
We've teamed up with Waitrose, the UK's favourite supermarket, to bring you a fresh menu of delicious food in our bar buffet. Let your appétit do the talking and choose from our selection of Waitrose sandwiches, salads, hot dishes and sweet treats.
Like Eurostar, Waitrose sends no waste to landfill and sources its ingredients responsibly, with sustainability and quality as standard. Which we think makes their food taste that much better.
Standard Premier*
Our team will serve you a delicious light meal and drinks at your seat, with a choice of two main dishes and a dessert.
Our menus to suit the time of the day that you're travelling, so before 11am we serve breakfast, which includes a selection of pastries, yoghurt, juice and tea or a fresh coffee to start your day perfectly.
Throughout the rest of the day, you can enjoy a choice of two main dishes and dessert with soft drinks, wine or beer, plus tea or coffee.
Business Premier*
We've designed the Business Premier menus with our Culinary Director, Raymond Blanc, OBE. As Chef Patron of the two Michelin-starred Le Manoir aux Quat'Saisons and founder of the Brasserie Blanc restaurants, Raymond brings 30 years of creativity and experience to the table.
We have also worked with Raymond to choose sustainable, seasonal and responsibly sourced ingredients for our meals, and we'll continue to do so as a member of the Sustainable Restaurant Association.
We serve breakfast until 11am, with pastries and breads, cold meats, yoghurts, fruit and as much delicious Lavazza coffee as you'd like.
There's a choice of dishes in our three course lunch and dinner*, and an afternoon tea with cakes, little savouries and even champagne, if you're in the mood to celebrate.
*Please note:
- Meals are not served on journeys between Brussels and Lille.
- We'll always do our best to give you the meal you'd prefer, although we cannot guarantee that your first choice will be available
- If you have specific dietary requirements you can request special meals in the 'manage a booking' section. We'll need at least 48 hours notice in advance of travel.
- You can also select child-friendly meals, if you are travelling In Standard Premier


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Things may be shaping up nicely for Ralph Nader, who could very soon
an unlikely endorsement from the Ross Perot founded Texas Reform Party.
This may prove to be a huge victory for Nader's solo candidacy, as the
support from the conservative Reformers could help him gain ballot access
for the upcoming November election.
As you well know, Texas is not renowned for its democratic virtues or
integrity (remember Trent Lott's legislative redistricting?). And now
faces numerous hurdles as he attempts to get his name on the state's
Texas requires over 64,000 signatures by its May 10th deadline, and
who cast a vote in its presidential primary can sign his petition. But
that's where the Reform Party may lend a helping hand.
Un-registered Third Parties are required to garner only 45,540, with a
slightly later deadline of May 24th. Independants are not currently
recognized as a Third Party, and in Texas only Democrats and Republicans
reserved special access to the state's ballot.
Nader would of course openly embrace the Reform Party's support, but
he is not seeking it out. And now the Green Party is actively debating
whether or not to endorse the consumer advocate during its National
Convention in Milwaukee Wisconsin in June. With no high profile
of their own, and a ridiculously late start, many Greens feel throwing
weight behind Nader could be their most resourceful option.
The Greens and the Reform Party's added funds could shove Democratic
loyalists, who continue to wrongly blame Nader for their 2000 defeat, into
the emotional deep-end.
A poll released by the Associated Press on March 4th showed Nader coming
at a strong 6%, with Kerry and Bush in a virtual tie. However, we all
the popular vote doesn't mean as much as we'd like, as it's the Electoral
College that really counts.
This could mean good things for the Nader camp, as the alienated classes
American voters could unify behind his candidacy. Such an alliance could
force the Republicrat controlled Federal Election Commission to allow
to pass through the locked doors of the televised Presidential debates.
this does happen, one can expect that the "Nobody But Kerry" crowd will
chastise such an invitation wholeheartedly-for they won't care to hear the
real deal about their beloved Bush slayer, John Kerry. The good liberals
will claim that including Nader would be far too much for our democracy to
With that said, a never before seen progressive loathing has set in across
the US, and it is split right in two. Faction Number One utterly detests
Nader, and anyone for that matter, who dares stand up to the Democratic
Party. If said person does raise a few qualms, they are typically labeled
as a manical egotist, or worse yet, a Republican plant. And then there is
progressive faction Number Two, which loathes not only Bush, but also the
broken system that continues to fail Americans year after year.
This group sees Bush not as the embodiment of all that is evil, but as a
product of a fractured democracy that's been on its last leg for too long.
Sure Nader's run could sift vital resources away from grassroots activism,
and waste it on the "lose-lose" electoral game. It is also true that
isn't beholden to any progressive ideology but his own. However, at least
we can conclude that Nader is not in the back pockets of the power elites
like Kerry and Bush.
Democracy is for everyone. And if liberals and progressives do decide to
hold their nose and pull the lever for John Kerry, they better be able to
consciously handle the ramifications of their pragmatic choice if
victorious. Here is a short list for which they'll need redemption:
* A continued US endorsement of Israel's illegal occupation of Palestinian
* A US supported occupation of Iraq and Afghanistan.
* A continued adherence to neoliberal policies throughout the free market
* An American health care system controlled and run by private
* An increase in the level of income disparity among rich and poor
in the US.
* And an almost exponential decline of the naturual environment and
endangered species of North America. And much much more.
It is true that Ralph Nader may not be the answer to all that ails us, but
he is at this moment the only Presidential candidate willing to challenge
the status quo we call American politics. A vote for John Kerry may
to a vote against a vile Bush administration, but it is also a vote cast
support of a degraded structure that continues to ignore the majority of
American people.
Perhaps the Green and Reform Parties are on to something, and their
of Nader's candidacy could be done more in protest than solidarity.
Regardless it would be wise for us to realize that Kerry is part of the
problem, not the solution.
Josh Frank is the author of an upcoming book, Left Out; How Liberals
Bush to be published by Common Courage Press in the fall. He welcomes
comments at firstname.lastname@example.com


text:
|Sunday, 23 October 2011 09:42
Peyton List of Disney Channel's "Jessie" walked the purple carpet at Variety's 5th Annual Power Of Youth Event on Saturday (October 22) in Hollywood.
Did you catch "Jessie" on Friday? I thought the episode was super cute, and Peyton was great in it! What did you think?
Watch Peyton's arrival at the Power of Youth Event:
Dim lights Embed Embed this video on your site
View more videos at Dis411.com/videos.
Please give us a tweet, retweet or Facebook like if you enjoy our content! We love to get positive feedback!! Follow us on Twitter @dis411 and Like us on Facebook at Dis411.


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The Green Lady of Crathes Castle
In the tower of the 16th century Crathes Castle, a ghost who appears as a green, lady-shaped mist has been reported. She moves across the tower room by herself at times but sometimes she crosses the room and picks up a ghostly child by the fireplace before vanishing.
There have been so many sightings of her that the room is now referred to as 'The Green Lady's Room'. Upon her stay at the castle, Queen Victoria even saw the apparition.
During caslte restorations two skeletons, one of a woman and one of a child were uncovered in the walls by the very fireplace where the apparitions are seen. It is thought that a woman servant had found herself pregnant out of wedlock and was murdered then bricked away into the wall to avoid embarrassment to the family. Although the two skeletons eventually recieved a proper burial, the ghosts still haunt the castle.
Crathes Castle was built by the Burnetts of Leys and was held in that family for almost 400 years. Crathes sits on land given as a gift to the Burnett of Leys family by King Robert the Bruce in 1323. In the Construction of the current tower house of Crathes Castle was begun in 1553. It was completed in 1596 by Alexander Burnett of Leys, and an additional wing added in 18th century.
Crathes Castle is near Banchory, Aberdeenshire, Scotland.
photo by Mel Stephens


text:
October 2, 2014
Stay up-to-date with KAKE News:
Sunday, August 12, 2012
The Obama administration is inviting school districts across the country to compete for almost $400 million in grants through the Race to the Top program.
The first rounds of the 3-year-old program provided grants to states that agreed to ambitious education reforms. This year, the Education Department is opening the competition to school districts.
About 15 to 25 grants will be handed out, ranging from $5 million to $40 million each. Districts must show how they'll use the money to personalize learning, prepare kids for college and close the achievement gap. They also must put evaluation systems in place for teachers and administrators.
Districts have until the end of October to apply. They'll find out if they've been chosen by the end of the year.
Click Here to access the online Public Inspection File
Viewers with disabilities can get assistance accessing this station's FCC Public Inspection File by contacting the station with the information listed below. Questions or concerns relating to the accessibility of the FCC's online public file system should be directed to the FCC at 888-225-5322, 888-835-5322 (TTY), or firstname.lastname@example.com.


text:
Foster good eating habits in kids with magic tonic: water
©Monkey Business Images;shutterstock.com
(Relaxnews) - Want your kids to eat more veggies? Serve water with every meal, suggests a new study.
The premise of the research, published online in the journal Appetite this week, is based on the fact that taste preferences are heavily influenced by repeated exposure to particular foods and drink pairings.
For instance, children have learned to associate sweet, high-calorie drinks like colas with salty, fatty foods like fries, researchers point out.
But after observing the dietary habits of young adults and pre-school children in two separate studies, one of the most promising outcomes was that preschoolers ate more raw vegetables like carrots and red peppers when they were given water, as opposed to a sweetened beverage.


text:
date of birth -
Gender -
- Male
- Female
location -
Virat Kohli, Pujara and R Ashwin to be India's slip fielders in Tests vs England? | Cricket - N
In an intense slip catching session, Cheteshwar Pujara, Virat Kohli and R Ashwin showcased good reflexes. So , will it be the young trio or the tried and tested ones like Virender Sehwag?Source : Uncited 13 Nov 2012 Read the complete article here
Latest Comment
kohli good
sharath-mohan-m on 25 Nov 2012, 08:27
they never replace rahul dravid v v s laxman
bappaditya on 19 Nov 2012, 10:28
kohli in slip nice!!
lucky4rcb on 15 Nov 2012, 19:00
Fan Club Updates
22nd May
20th May
18th May
18th May
17th May
Sachin Kodagali - ABD!!!
Fanatic Fan
Fanatic Fan


text:
Skip to content
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text:
Main dish
Easy Baked Barbecue Chicken Breasts
The recipe can be multiplied, but a larger quantity of chicken may take slightly longer to cook, so be sure to use a thermometer, inserting it deep into a breast from the side.
1/2 cup ketchup
1 to 2 tablespoons adobo sauce (from a can of chipotles in adobo)
2 teaspoons packed dark brown sugar, or to taste
2 tablespoons cider vinegar
2 tablespoons Dijon mustard
1 or 2 cloves garlic, minced
Kosher salt and ground pepper, to taste
1 pound boneless, skinless chicken breasts without the tenderloin (2 to 3 breasts, each about 3/4 to 1 inch thick)
1 tablespoon extra-virgin olive oil
1/2 cup panko bread crumbs
2 teaspoons chopped fresh thyme
Heat the oven to 350 degrees. In a small bowl combine the ketchup, adobo sauce, brown sugar, vinegar, mustard and garlic. Season with salt and pepper.
Line a shallow baking dish with foil, leaving enough excess to generously overhang the sides. Spread half of the sauce on the foil in an area just the size of the chicken breasts. Arrange the breasts on top, and spoon the remaining sauce over them. Bring the edges of the foil up and over the chicken and fold it to enclose them. Bake on the middle shelf of the oven for 20 minutes.
Meanwhile, in a small skillet over medium, heat the oil. Add the bread crumbs, thyme, a pinch of salt and some pepper. Sauté until light golden, 2 to 3 minutes. Set aside.
After the chicken has baked for 20 minutes, open up the foil and spoon any sauce that has fallen off back on top. Sprinkle the crumb mixture evenly over the chicken. Bake, uncovered, until the chicken is just cooked through (160 degrees), another 8 to 10 minutes. Let stand for 5 minutes before slicing and serving topped with any sauce and crumbs that have fallen off. Makes 4 servings.
Source: Sara Moulton for the Associated Press.
Per serving: 240 calories, 45 calories from fat (19 percent of total), 5 g fat (1 g saturated, 0 trans fats), 65 mg cholesterol, 20 g carbohydrate, 0 fiber, 9 g sugar, 28 g protein, 750 mg sodium.


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Instead of the usual jarred salsa often called for in Mexican casserole, this recipe features a homemade salsa made with charred tomatoes that are mixed with cilantro and fresh lime juice. Charring the tomatoes gives a rich flavor to the salsa, which is a good match for this chicken-and-veggie-packed dish.
Cooking Light JANUARY 2011
1. Preheat broiler.
2. To prepare salsa, combine first 4 ingredients on a baking sheet coated with cooking spray. Broil 20 minutes or until charred, stirring once. Remove from oven; cool slightly. Place tomato mixture in a food processor; add cilantro, lime juice, and pepper. Process until smooth. Set aside.
3. Preheat oven to 350°.
4. To prepare casserole, heat a large nonstick skillet over medium-high heat. Lightly coat pan with cooking spray. Add 1 cup onion, corn, zucchini, and bell pepper; sauté 6 minutes or until tender. Add chicken and next 5 ingredients (through green chiles); sauté 2 minutes or until thoroughly heated. Remove from heat.
5. Spread 1/2 cup salsa over the bottom of a 13 x 9-inch baking dish coated with cooking spray. Arrange half of tortillas over salsa. Spoon 2 cups chicken mixture evenly over tortillas. Top with 3/4 cup salsa. Sprinkle with 1/2 cup of each cheese. Repeat layers, starting with remaining tortillas and ending with remaining cheeses. Bake at 350° for 25 minutes until bubbly.
MyRecipes is working with Let's Move!, the Partnership for a Healthier America, and USDA's MyPlate to give anyone looking for healthier options access to a trove of recipes that will help them create healthy, tasty plates. For more information about creating a healthy plate, visit www.choosemyplate.gov.
Go to full version of
Mexican Chicken Casserole with Charred Tomato Salsa recipe


text:
Many shared shock and grief online after word came Monday afternoon that the beloved comedian and actor passed away at his Marin County, California home.
Click here if viewing on a mobile device
Click here to view in grid mode
(Koji Sasahara/AP)
The Kuro taste: Peppery tang and hint of squid ink
TOKYO (AP) — The first Kuro, or black, burger had a black bun and sauce. Last year's edition, the Kuro Ninja, added a slice of (non-black) bacon to the signature black components. Full Story
(Donald Traill/Donald Traill/Invision/AP)
Keyshia Cole arrested on suspicion of battery
LOS ANGELES (AP) — Police say Grammy-nominated R&B singer Keyshia Cole has been arrested on suspicion of battery after an altercation early Friday morning in Los Angeles. Full Story
(Jacques Brinon)
Keanu Reeves finds fan in his house in middle of night
Dude, where's my security? The "Point Break" actor calmly spoke with woman until police arrived.


text:
ROBINSON: There was a contradiction yesterday that I'm still struggling to understand. The leadership statement, when the [border bill] didn't pass essentially said, 'Well, there are plenty of administrative things that President Obama can do and should be doing at the border, and that was a day after the House voted to sue President Obama for taking administrative actions.
ROBINSON: So, how does that square?
COLE: Well, I'm not going to disagree with you because it's a point I made myself in conference. Look, you can't say on the one hand that the president's overreaching by acting without legislative authority and direction, and then refuse to give him legislative authority and direction in another area. So, I don't disagree with what you have to say at all.
— Rep. Tom Cole (R-Okla.) being asked a question by Eugene Robinson on MSNBC's Morning Joe.


text:
On Sunday, December 16th, we will be having the first of (hopefully), many Community Days. The Sakyong has encouraged us as Shambala Centers to "be more like life and less like school." He has asked us to come together as a sangha and contemplate how we as a community can move forward to create an enlightened society. Therefore we will have a festive pot luck lunch followed by a discussion about "Community as Path" and the direction our sangha wants to move in. We'll have a clean up project to take our second office from a storage unit to an office!
We will also have a Christmas Shopping Silent Auction Fund Raiser. Please RSVP to Denice if you are coming and what you are bringing. I am also looking for a little help with setup for the pot luck and silent auction. Please contact me and RSVP at deverham1 at yahoo dot com Christmas Shopping at the Shambhala Center Silent Auction and Fund Raiser
We will be having a silent auction fund raiser on Community Day. We are requesting donations of any gently used gift type items - books, art objects, etc. that would be suitable as Christmas gifts. We will have people bid on items and the highest bid winds. This is a great opportunity to clear out, recycle, make room, find that one of a kind gift and support the center. More details to come....
Shambhala Online Teleclasses
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text:
I am a postdoctoral researcher at the University of Cambridge, working on learner corpus research for the ALTA Institute and based in the Department of Theoretical and Applied Linguistics (DTAL). I'm a member of the Computational Linguistics Research Cluster and the Cambridge Language Sciences Strategic Initiative.
I've been here since October 2013, having previously worked in Literature Services at the European Bioinformatics Institute, carried out research for English Profile, and studied for a PhD in what was the Research Centre for English & Applied Linguistics (now merged into DTAL) from 2006 to 2010.
Follow these links to read my curriculum vitae in full, see my lists of publications and presentations fwiw, wonder at my micro-wisdom @cainesap, visit the homepage of my boss: Dr Paula Buttery, or stalk my office-mate: Christian Bentz.


text:
Home prices up 12.5 percent over past year
Home values appreciated 2.2 percent during the first quarter from the fourth quarter of 2004, or at an annual rate of 8.8 percent.
"The House Price Index shows the rise in house prices continues at an extremely strong pace and raises the potential for declines in some areas later on," said Patrick Lawler, chief economist for the federal financial regulator of mortgage finance companies Fannie Mae and Freddie Mac.
The 12.5 percent increase in home prices over the past year marked the biggest four-quarter jump since the third quarter of 2004, when appreciation surpassed any increase recorded in more than 25 years, OFHEO said.
Lawler cited low interest rates, income growing and "the apparent impact of speculation" in some markets for the sustained gains in home prices.
The biggest price increases in the index over the past year were in Nevada, with a four-quarter jump of 31 percent, OFHEO said. California, with a 25 percent price increase, overtook Hawaii to become the state with the second-quickest house price appreciation.
Washington, D.C., came in fourth, with prices up 22 percent over the year.
The smallest increases occurred in Colorado, Ohio, Oklahoma, Indiana and Texas, OFHEO said.
No states posted declines.


text:
Why A.R. Mazzotta?
- Over 40 Years Experience
- Customized Staffing Solutions
- 3 Offices Working Together for You
- Diversity Supplier
- Hand Selected Candidates Match Culture & Goals
- Diligent Screening Practices
- Personalized Service Tailored to Your Needs
When you work with us, we will:
We also administer state-of-the-art skill and behavior assessments, perform reference verifications and conduct a variety of pre-employment screenings such as E-Verify and background checks so that you will be ready when a client needs you.
So whether you are looking for a temporary position, a temp to hire opportunity or permanent placement, we can give you employment opportunities in connecticut that best match your needs and your strengths. We work with a wide variety of employers throughout Connecticut, from small businesses to multinational corporations. One of them has the right position for you, and we will help you find it.
A.R. Mazzotta is certified by the State of Connecticut Supplier Diversity Program as a Women Owned Small/Minority Business Enterprise and is an Affirmative Action-Equal Opportunity Employer.
Shoreline & S.E. CT
(860) 399-9995
Westbrook, CT
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(860) 347-1626
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Wallingford, CT


text:
Published Online:
7 October 2009
About one third of injury deaths are due to shock from blood loss. Preventing shock in people with uncontrolled bleeding is therefore vital. Treatment aims to maintain blood pressure, so that tissue damage is minimised. Medical anti-shock trousers (MAST) are believed to increase blood pressure and blood flow to the heart and brain, helping to stabilise the person until they receive further treatment. The review of trials found no evidence that MAST application decreases deaths, with some suggestion that it may even do harm. More research is needed.
Health topics:


text:
Download the Code of Federal Regulations in XML.
The Electronic Code of Federal Regulations (e-CFR) is a regularly updated, unofficial editorial compilation of CFR material and Federal Register amendments produced by the National Archives and Records Administration's Office of the Federal Register (OFR) and the Government Printing Office.
Parallel Table of Authorities and Rules for the Code of Federal Regulations and the United States Code
Text | PDF
Find, review, and submit comments on Federal rules that are open for comment and published in the Federal Register using Regulations.gov.
Purchase individual CFR titles from the U.S. Government Online Bookstore.
Find issues of the CFR (including issues prior to 1996) at a local Federal depository library.
Electronic Code of Federal Regulations
Title 49: Transportation
§178.356-1 General requirements.
Link to an amendment published at 79 FR 40618, July 11, 2014.
(a) Each overpack must meet all of the applicable requirements of §173.24 of this subchapter.
(b) The maximum gross weight of the package, including the inner cylinder and its contents, must not exceed the following:
(1) Specification 20PF-1—138 kg (300 pounds).
(2) Specification 20PF-2—320 kg (700 pounds).
(3) Specification 20PF-3—455 kg (1000 pounds).
(c) The general configuration of the overpack must be a right cylinder, consisting of an insulated base section, a steel liner lid, and an insulated top section. The inner liner and outer shell must be at least 16-gauge and 18-gauge steel, respectively, with the intervening cavity filled with a molded-in-place, fire-resistant, phenolic-foam insulation interspersed with wooden members for bracing and support Wood pieces must be securely attached to both the liner and shell. No hole is permitted in the liner. Each joint between sections must be stepped a minimum of 5 cm (2 inches) and gaps between mating surfaces must not exceed 5 mm (0.2 inch). Gaps between foam surface of top section and liner lid must not exceed 1 cm (0.4 inch) or 5 cm (2 inches) where taper is required for mold stripping. For the specification 20PF-1, the top section may consist of a plug of foam insulation and a steel cover. The liner and shell closures must each be gasketed against moisture penetration. The liner must have a bolted flange closure. Shell closure must conform to paragraph (d) of this section.
(d) Drums over 5 gallons capacity must be closed by means of 12-gauge bolted ring with drop forged lugs, one of which is threaded, and having 3⁄8 inch bolt and nut for drums not over 30 gallons capacity and 5⁄8 inch bolt and nut for drums over 30 gallons capacity. Five gallon drums must be of lug type closure with cover having at least 16 lugs.
(e) Drawings in DOE CAPE-1662, Rev. 1 and Supplement 1 (IBR, see §171.7 of this subchapter), which include bills of material, are a part of this specification.
[Amdt. 178-35, 39 FR 45247, Dec. 31, 1974. Redesignated by Amdt. 178-97, 55 FR 52716, Dec. 21, 1990; 65 FR 58632, Sept. 29, 2000; 66 FR 45386, 45389, Aug. 28, 2001; 68 FR 75757, Dec. 31, 2003]


text:
Today, I read a PostSecret that said "I'm afraid my thighs will start to touch soon." My thighs have always touched. I didn't even know thighs weren't supposed to touch. FMLBest FML ever. So true.
who studies religion & history
and also runs runs runs
and loves harry potter, fringe,
game of thrones, sherlock, doctor who
often follows back and craves ask box questions
formerly kristinegift.tumblr.com
About Me Ask Box Ask me anything
(Source: themanwiththekeyisking, via starcruising)
(Source: roseytyler, via brittanifer)
Sh*t RAs NEVER say.
Okay, one more video. This one is the most accurate.
(via fuckyeahreslife)
(Source: announcementington, via heavens-most-adorable-samandriel)
With a 10-year-long hiatus between 1893 and 1903.
10 fucking years, guys. I've never even stayed in one fandom for more than 5.
Imagine if you live in the time of George Martin- oh wait, we're doing that.
(Source: misha-bawlins, via formerlyofficialgrrmblog-deacti)
This wasn't supposed to happen.
No matter how many things I reblog, it always comes back to Sherlock.
(via justawordshaker)
(via blackcat2406)
(Source: mcavoys, via doodlelover)
— Mindy Kaling (via rufustfirefly, megalong) (via readandunread)
(Source: douxe, via scootiemccall)
every time someone reblogs my tags, the feeling i get is what i imagine winning an oscar is like.
and when people ignore my brilliant tags, i suddenly understand how leonardo dicaprio feels.
(via doodlelover)
|I think I'm gonna go to sleep now.
|lol but good shows are on.
|sleep? Is that a new app?
|Sleeping position:
|lol I'm not gonna be comfortable.
|what's the meaning of life though?
|lol it's too hot and too cold.
|oh, you said be louder? Okay.


text:
This program is designed to teach you different endgame methods. The material was written by IM ICCF Alexander Alpert, and includes more than 2,450 endgame exercises taken from practical games and endgame studies.
Training examples, all classified according to no less than 500 endgame themes
A built-in playing program Crafty to analyze or train with
While solving exercises, you are shown refutations of wrong moves as well as numerous hints to help and find the correct answer
The program also keeps track of your rating and adjusts it after each exercise
Several languages supported: English, Spanish, Italian, French, German and Swedish.
No additional software required. Windows XP compatible.
Essential: IBM-compatible PC with Pentium 75 CPU, 12 MB memory (RAM), Hard Disk (4 MB of free disk space for the program), VGA graphics, Windows 95/98 or NT 4.0, CD-ROM drive, Microsoft-compatible mouse.
Recommended: Celeron-400 MHz CPU, 32 MB or more RAM, Super VGA graphics with 16 bit colors and 1024x768 screen mode.
Copyright ©
Built with Volusion


text:
New work horse from wrangler sets the pace in work vehicles.
New Jeep.
The name Jeep has always been related to WWII for some reason, and over the years the models may have changed but the Wrangler has always had the look of the war time model especially around the front end, I suppose that this is what has made the Jeep Wrangler a favourite with the more robust outside types, as the more luxurious four wheel drive vehicles such as the Cherokee have nearly always been favoured by town folk who mainly use the vehicle for the school runs and supermarket shopping, in fact it is generally figured that the four wheel drives owned by towns folk have hardly ever actually been off road at all.
The new Jeep Wrangler is something special, it may not appeal to the towns folk, because of its rugged look, it motoring at its basic level, no luxuries here for the people who want a four wheel drive car with all the trimmings of a top of the range car.
If you are looking for a work horse to do hard work across differing terrains then this is for you, having said all that, this Jeep is comfortable and drivable, you can add extras onto your new package so the car of your choice can be as luxurious as want, but at the end of the day its a Jeep! And has a base price of $18,765 which represents super value for a super car.


text:
Photo Galleries - Top sports images
New York Jets quarterback Mark Sanchez (6) turns to walk off the field after not being able to convert a third down and short yardage play during ther second quarter of their NFL football game against the New England Patriots Monday night, Dec. 6, 2010, in Foxborough, Mass. New England Patriots cornerback Kyle Arrington (27) celebrates. (AP Photo/Stephan Savoia)
Comment on this photo
Patriots destroy Jets
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You have no items in your shopping cart.
A new season means a new round of fresh colors and designs for a number of our products. For Skull Steeze today, we're introducing you to 10 new items in our summer line up. To name a few, we've added the following…
A tortoise cap option on both Navigator and Aviator products
New teams to our MLB products
A rockin' black/brown/copper version of our best selling headphone, Hesh 2
Fresh camouflage designs on our Uprock and Ink'd 2 from our collab with RealTree
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text:
Hi DigitalCreator, your solution worked for me using Windows Vista Business and OrCAD 16.6 with latest patch as of Feb 14, 2013 (yes, this problem STILL exists)
Control Panel->System->Advanced button->Environment Variables (Edit: for Vista)(select PATH from User variables section)click EditClick OK without changing anything-> OK -> OK
Control Panel->System->Advanced button->Environment Variables (Edit: for Vista)
(select PATH from User variables section)
click Edit
Click OK without changing anything-> OK -> OK
Are there people still having this problem?
We're running a Windows 7 x64 Lab environment, running Cadence SPB 16.5. We have similar issues, with various DLL files not being found after a system reboot. The above response about opening the PATH variable for editing, changing nothing and selecting OK seems to work for us (also the install config utility seems to fix this too), but only until the system is yet again rebooted.
Has anyone recieved any insight from Cadence about this?
We are using a network license with Win7 & XP workstations. Cadence 16.6
Logins are user level and not administrator (except to install of course).
Using Larry C's advice.. I went to the "C:\Cadence\SPB_16.5\tools\ConfigUtility\" folder to run the installation_setup_utility.msi utility as a user. It would not run so ran the setup.exe file and stepped through the program and choose CONFIGURE when asked. (Cleanup won't run as at user level). Finished out the program and all seems well.
Several reboots and different users later it all seems well.
Hope it helps somebody.


text:
GnRH Antagonists
About GnRH
GnRH is a hormone the hypothalamus gland produces in the brain that controls the pituitary gland's production and release of luteinizing hormone (LH) and follicle stimulating hormone (FSH). The amount of GnRH released from the hypothalamus gland fluctuates throughout a woman's menstrual cycle. Halfway through each cycle, a large amount of GnRH is released. This increase in GnRH increases the production and release of LH, as well as the production and release of LH. This surge is responsible for initiating ovulation.
When used as part of an infertility treatment regimen, such as IVF, these medications block the effect of GnRH on the pituitary gland. Therefore, the LH surge and natural ovulation are prevented. This allows the timing of ovulation to be better predicted and coordinated with procedures such as egg retrieval.
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Side Effects
Side effects reported during treatment with these medications include abdominal pain (gynecological and gastrointestinal), nausea, headache, vaginal bleeding, and injection site reactions (redness or swelling at or near the site of injection). Another reported side effect was ovarian hyperstimulation syndrome (OHHS), a condition characterized by enlargement of the ovaries due to overstimulation by fertility medications. Symptoms of OHSS include abdominal pain and/or swelling, pelvic pain, nausea, vomiting, diarrhea and weight gain. These medications are administered subcutaneously once daily during the mid to late follicular phase.
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