Who can answer you when you are Lost?

Once you step out of your house looking for groceries and stuffs, there for sure, you have thousands of choices and varities of prices available on the shelves. But where to go and which choice should you pick and go for? This is the main challenge and often it takes time to explore yourself unless there is somebody to guide you or you can consult with. Yes, Internet is one of the most commonly used platform as a companion or guidance for those of us who are looking for stuffs and yet feeling lost. You can practically look for whatever you want via the net, such as the lowest price stuffs. But of course bear in mind that low price does not mean low quality. Certainly you have to be smart on this. Is important to keep in mind too to only look for locations near by you. You do not have to spend time traveling far just to get some fresh fruits, do you? Calculate! You may be losing money for the long and wrong trip.After searching the net, consolidate those information and share with bunch of friends or relatives. This can help you to get a more appropriate answers and also to evaluate what's on the net that makes real sense in the reality. Do not expect what are on the net to give you the real and right information.Other than the Internet, news papers, catalogs, advertisements, brochures, etc where information on sales always appears on them. You can save up a whole lot using these guiders.

Quick and Easy.

There is one quick and easy way to keep your monthly budget calculation. (Recommended) I use iGoogle as my home page. For those who have the same home page as mine you can give it a try. There is one button (add stuff) on the top-right-corner. Click on it, then appears a page of stuffs, but focus on the top-right-corner again looking for (search for gadgets) box. Type EXPENSES MANAGER into the blank field and start searching. The gadget will pop-up, then click on the (add it now) button and there you can get your calculation gadget using this smart application simply on your home page.

Colourful Banknotes all around the world.

I have noticed some interesting things about banknotes all around the world. Some are just really colorful that make you want to own them as collection. There is this Switzerland banknote that amazed me that a country would put, not only dead presidents, but artists, writers, and architects on their money - including one of my favorites, Alberto Giacometti on the 100 CHF note. They are beautiful, inspiring, and amazing pieces of printed art.

Here it comes the CALCULATION!

Figuring out your monthly expenses.

It's hard to follow a budget if you are not sure how much you spend each month. Here are some questions which are useful when you start creating your budget. Certainly the list is, by all means, not exhaustive.

• How much do you pay in rent or on a mortgage?
• How much are your utility bills? (Gas, Electric, Heat, Water, Phone, Cable, Cell Phone, Internet Service, etc.)
• Do you have any loans or monthly payments? (School loans, laptop payments, etc.)
• How much do you normally spend on groceries each week/month?
• How much do you normally spend when eating out (buying lunch at work or school, etc.)
• How much do you spend on transportation? Do you take public transportation or do you have a car? If you have a car, how much does parking, gas, upkeep etc. cost you each month?
• Do you pay for insurance? (Car insurance, health insurance, dental insurance, etc.)
• Do you have regular medical costs that aren't covered by your insurance? (Prescriptions, therapy, etc.)

Here is my own monthly expenses table. It helps a lot.

Your attitude towards money.

Your attitude towards money has a significant reflection on your attitude to life. Some people see money as a means to an end, some as a tool to wield power, some with the mind set thinking it will bring them happiness. A person who sees money as only a means to satisfy needs will be relaxed and more benevolent than one who craves money for providing self-worth, security or power. Money may buy you ten yachts and five mansions. But, as the cliché goes, it really cannot buy you happiness, or self-worth, for that matter. If you run after money to find what you could not find within, you are chasing a mirage that will only leave you more at a loss.

Money=Evil?

Remember your first salary cheque? And the pride you felt to have earned something? How would you have felt if somebody had pointed out that it was wrong to like money? That the pride you were feeling was evil?"Money is not evil. The actual Biblical quote that leads to this common misconception is 'for the love of money is the root of all evil'. The ancient Aramaic text might more accurately be translated as 'for the lust after money is the root of all evil'. It's perfectly acceptable to want to make more money. Only when money is accumulated for its own sake or its accumulation hurts others does money become bad."