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More and more folks are taking action to manage their income in a more productive manner. It has become more and more difficult for the average person to make certain their bills are paid and their household is taken care of. If you are seeking a way to achieve more control over your hard-earned money, you might consider using a household budget expense layout. It is not as difficult or intimidating as one might think. All you need is a calculator (or excel program on your computer) and a willingness to take an honest look at your finances.

Begin by making a list of all your expenses for a two-month period. List all mortgage or rent payments, utilities, credit card debt, gasoline, food, clothing, gifts and donations, entertainment, grooming, regular medical expenses, medical and household and personal supplies, and any money that goes to savings. Round any amount under a dollar to the next highest dollar. Be sure to record everything you spend money, no matter how small. Make certain that every member of the family participates.

Once you have done this for two months, take a hard look at all the expenses and determine if there is anything that is not really needed and can be eliminated. Our society has encouraged wasteful spending, and a little here and a little there can really add up.

Next, look at all expenses that are paid occasionally-once or twice a year-such as insurance, property taxes, etc. By adding these expenses together and dividing by 12, you know exactly how much you need to set aside each month in order to have the money available to pay for these occasional expenses. As you can see toward the bottom of column one, this amount is included in the monthly expenses. It is wise to set up a separate bank account for this so that you are not tempted to use it for something else.

Once you have decided the amount you will spend, you are ready to create your household budget expense layout. You can use Word and create a table if you prefer to do your own calculations, or you can go to Excel, which will do all the calculations for you.

You'll want your heading to be personalized with your name, so that you take ownership every time you look at it. Make a space beneath the heading to insert your net monthly income (what is left after taxes and deductions are taken). This will keep the bottom line in clear view.

Set up the first column with the names of all your expenses, and the next column will list the amount allotted to each expense. Remember to add as a monthly expense the money that you are putting aside each month for your occasional expenses.

If you include the total for all your expenses, and have that subtracted from the net monthly income, your household budget expense layout will tell you exactly how much money, if any, you have left each month. Keep a monthly expense sheet that lists all the items on your household budget expense layout and enter each amount as you pay it. Include blank rows so that you can write in additional expenditures. It is now up to you to keep within your budget guidelines so that you avoid going deeper into debt, and make certain your financial needs are met.

One way that I found to meet-and exceed-my financial needs is by working in my own home-based business. My household budget expense layout now looks dramatically different-especially the section that tells me how much is left over after paying the bills. After considerable research, I found a company that guided me every step of the way. I no longer have to worry about "stretching" every dollar to try to balance my budget. I am more relaxed and happy, knowing my finances-and, more importantly, my family-are well taken care of.

Alfonso Alvarez is a business coach and mentor based out of Los Angeles, CA, who assists serious entrepreneurs in building a profitable online business with multiple income streams. Alfonso and his team are focused on training and getting results quickly. To learn more about Alfonso's success, visit: http://ProsperousAlliance.com

Seven Things That Inhibit Your Marketing Success

Whenever there is a change to your levels of success in terms of visitors to the website, people signing up, making sales, old feelings and actions can creep in. These only serve to keep you away from what you are seeking.

Each puts the brakes on getting more sales.

1. Feeling Frustrated that nothing seems to be working.

By getting into this negative space you focus only on what's not working rather than considering how things have changed and seeing it as an opportunity. A learning point. A great question to ask, how can I do it differently next time?

2. Being worried about where the next mortgage payment is coming from.

Again, another negative emotion which has the same effect as frustration but perhaps more acute. When we are stressed, our ability to see what is around us diminishes. As a result we are more likely to miss opportunities that we would have otherwise spotted.

3. Keep doing the same ole...

Even though you know results in the past have not been great but you keep doing the same thing in the hope that this time something different will happen. Change your actions and you will have a change in your results.

4. Everyone will need what I do.

So, instead of being narrow and learning about what your market wants, the messages become broad and don't speak to anyone in particular. This is also a result of being impatient, wanting to be out there, successful. Being narrow, understanding your target market, how they think, what their dilemmas are will bring you much more success.

5. Being phased by others offering the same or similar.

Sure being aware of what others are offering is a good thing. But letting it undermine you starts to destroy your business. You devalue what you offer, what you bring to our clients and your ability to operate in your market.

You can always tell you are onto a winner when every person and their dog is offering products or programmes in the same area as you.

6. A belief that the Law of Attraction will bring in the money even if you stay at home with no one knowing about you.

Or, when you do meet people you are stressed or even slightly let the negativity show, you won't make sales.

7. Thinking that doing all the free stuff on marketing that is available is all that you need to successfully set up your business.

And yes, you can do this along with trial and error and you will have success. Remember though, you don't give away your gems on your sampler products - neither will others!

So stick this on the wall and when you find yourself exhibiting one or more of these, stop and reposition your thinking and yourself to be best placed to make the most of the countless opportunities flying past you each minute of every day.

About the Author

Karen Purves is a leading marketing expert working with business owners to build the business inside them. Her passion is marketing and making it work for others. Want to know more ways to have more clients? Sign up for the Get in the Know! ezine

Lomography action sampler, photography!?

Hi Guys!

i'm looking at buying a 'Lomograohy Four Lens Action Sampler'
and i'm just wondering has anyone used this camera before and what are your thoughts on it?

i have heard that the photographs are slightly fuzzy, but i don't mind, it sometimes adds to the atmosphere and i think it will be interesting to experiment with!

Also, if you have got this camera, i know it takes a 35mm film but what speed works best?

Thanks in advance

There are some Lomo action sampler groups on flickr.
Great pictures and, probably, good advice from users.

http://www.flickr.com/search/groups/?q=lomography+action+sampler

Review: National Lutheran Choir offers compelling moments
The National Lutheran Choir finishes its season this afternoon with a final performance at First Lutheran Church in Columbia Heights that is a sampler of unaccompanied singing — ranging from the Venetian Renaissance to a newly commissioned work by prolific Minnesota composer Daniel Kallman.

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