I’ve been diligently managing my personal finances and tracking household expenses for more than 20 years. I can also verify with total certainty that 7% of my income in 2007 went towards groceries, and vouch that I spent $88.95 at my local K-Mart in August 2001. Taking the time to track and analyze your income and where it’s going is a crucial element of managing your personal finances. While not impossible, trying to track all your cash purchases can be extremely tedious and time-consuming. Now I realize many people are initially attracted to sites like Mint, OneBudget, Adaptu, and MyBudget-Online because their automation features essentially make the job of tracking your money almost effortless. For me, the more old-school hands-on approach is the only way to go; I use my own custom-designed Excel spreadsheet because it forces me to actively manage my personal finances. In fact, every January I give my readers a peek at some of that spreadsheet’s top-level graphs and financial breakdowns in my annual State of the Household post. Although the custom Excel spreadsheet I developed was quite simple in the beginning, it has grown in detail and complexity over the years, with pie charts and graphs that clearly show the results of our household spending and current trending patterns.
Today, my spreadsheet breaks out our household expenses into 13 major categories and 50 subcategories. If you don’t want to spend money on a spreadsheet such as Microsoft Excel, you can try the free equivalent from OpenOffice. Once you’ve effectively disciplined yourself to always spend less than you earn, tracking expenses becomes a viable alternative to budgeting that allows you to focus on optimizing your finances in order to get the most bang for your buck. I originally used excel but switched to quicken when I found a free version laying around my apartment. My Grid now has the capability to know (and tell me) when a vehicle needs an oil change, two weeks before it is due.
This may not always work perfectly when groceries are involved because not all groceries are taxed, but it is close enough for government work! The spreadsheet is great because you can easily summarize columns and link numbers from tab to tab to compare month to month. I’ve used Microsoft Money for more than a decade now for my personal finances and love it. I bought a day planner for 99 cents and use the month pages to track all of my daily spending that is not regular bills (since January). Creating your own videos can be a great way to attract more traffic to your site.  Not only does multimedia content tend to get valued more by search engines, but you can get traffic directly from your YouTube channel. Hopefully you thought the green thumbnail stood out, which is great because that is my video! YouTube will ask you to enter in your phone number so that they can send you (either by phone or SMS text) a verification number.  Enter in that number and you will be verified. YouTube will only allow you to become a partner if your channel is in “Good Standing”.  Check your channel by going to ‘Channel Settings’.
To become a partner, you can select the ‘Monetization’ feature.  This will enable you to add adverts to your videos. Your video thumbnail image needs to be as large as possible, as it will also be used as the preview image in the embedded player (when you embed your video in a post, the thumbnail will be shown). Have you added custom thumbnail to your YouTube videos yet?  Did you even know you could do this?  Please let us know in the comment section below!
Another excellent tutorial Matt and again I have learned something I didn’t know but always wanted to know.
Do you know if this is something I can do to my existing videos, or does this need to be done at the time of uploading a video? The only thing that I can think of is that you need to make sure that your custom thumbnail is selected after uploading it.
Failing that, you may need to get in touch with YouTube directly as it could just be an issue their end.


High school football recruiting sites are extremely popular and make up a huge industry worldwide. These athletic recruiting services cater to football recruits, their parents, and also to the millions of fans across the country.
Today, recruiting sites for football and basketball and some of the other more popular sports play an important roll in college athletics recruiting.
The Internet through its many college athletic recruiting services provides a quick and easy way for coaches, athletes, and fans to keep track of promising athletes in all sports, but, of course, college recruiting for football is one of the most followed processes monitored via the web. College sports recruiting websites do different things during the college football recruiting process depending on the kind of services they provide and the money you want to pay.  Some are just reporting sites where the best athletes in the country are tracked. Other college athletic recruiting sites provide a service where any athlete can register and post his picture and recruiting profile for free. These registering and reporting type sites claim to be vital in recruiting college athletes during the football recruiting process.  Typically they also offer to make college recruiting videos for a fee.
Still others, advertise that they will take an athlete through the entire college recruiting process from beginning to end. There is some controversy surrounding these types of sites as many young athletes in all sports, after paying the fee, do not obtain athletic scholarships.
Specifically, what are football recruiting sites and what are some of the different types of services they provide to high school football players?
If you want a college football scholarship, is it necessary to use one of the paid college football recruiting services?  Some athletes and their families may be in the financial position to hire athletic recruiting services to handle the entire college recruiting process, but most families of promising football players will not be able to afford them.
Even if you do decide to use one of these paid services, you will still have to do your part like participating in football recruiting camps. Athletic recruitment today is largely carried on and also observed via the Internet.  The process of recruiting college athletes is much easier and cheaper because these websites provide instant information and instant access to both coaches and prospective football players. 1.  Some just report who is being recruited and what school they are most likely to sign with. Recruiting websites like these are not only used by high school football players, but they are also frequented by millions of football fans and alumni nationwide who like to keep up with where top college football prospects are considering playing.
So, what does it take to have an opportunity to play college football and receive a college football scholarship? There is no doubt that a good college recruiting service that delivers as promised can increase your chances of receiving your athletic scholarship.  They have the connections and the expertise to make things happen, but this does not mean that you and your parents cannot accomplish the same thing by running your own recruiting campaign. If you indeed are interested in high school football recruiting, and you feel you need a hands-on expert, Check out the companies listed below. One of the most important things you can do right now to enhance your recruiting experience is go to find out exactly what are the physical requirements of athletes at the different divisions of college football.
Once you see which division that you fit in to, you will then know what direction to aim your recruiting campaign.  This is one of the first things the expensive recruiting companies will do, and this is something you can easily do for yourself.
One thing I will mention, is if you are not a legitimate recruit, please don’t waste your money hoping that by paying one of the recruiting companies a lot of money, you will somehow secure a football scholarship. You can do the entire process yourself, however you will need to know what to do.  Getting a football scholarship for most athletes involves the athlete recruiting the coach instead of the coaches banging down the door of possible recruits. Go Big Recruiting a video highlight company is owned by Ross Tucker a former NFL player turned ESPN sportscaster.  He is very knowledgeable and provides a very good highlight video service that also offers the option of having the videos sent directly to coaches. You will need a list of college coaches, their email addresses, their phone number, etc.  You can access this  list on our site of all college coaches online and get all the contact info you need. That’s because doing so uncovers hidden money leaks that help you better allocate your resources, thereby ensuring you always get the most out your paycheck. On the other hand, everything purchased on your credit and debit cards are automatically recorded and available for review online or as part of your monthly billing statements — which is why I use credit cards for as much as I possibly can. The trouble is, in the world of personal finance I believe too much automation can be a curse.
In fact, their personal budget worksheet template has been downloaded over 3.6 million times.


Yes, spreadsheets are extremely powerful tools for those who know how to take advantage of all they have to offer.
As you and I both know, they can be used for a lot more things than finances; even stuff completely unrelated to math.
But my spreadsheet slices and dices the household expenses, as the saying goes, six ways to Sunday. When you enter your totals into your Excel workshop for say groceries, do you enter the amount you paid plus the sales tax, or do you leave the tax out and put it in a separate category?
With the entrants such as CollateBox the stage is set pretty big, I have been privileged to use Collatebox for managing and tracking sales n finances n am enjoying the tool. I just recently got married and was comfortable using a basic version of quicken on my laptop.
I have seen videos with custom thumbnails and whenever I uploaded a video I was never given an option to get the title image as my thumbnail which really cheesed me off and now I know why and how to rectify the issue. On these college athletics recruiting sites, you can follow the stats and see which schools are showing interest in the promising athletes.
These sites boast that thousands of  football recruiters and coaches visit their sites looking to recruit players for their teams. While no absolute guarantees are made that your son will obtain a college athletic scholarship, for a substantial fee (several hundred to even thousands of dollars), they claim that they can obtain a college football scholarship for the high school athlete.
The different athletic recruiting sites service all sports, but football and basketball,because of the money involved, are two of the main sports of interest. They offer varying levels of service,and some are in business to handle your total recruiting package. That’s because when money management tools become too user-friendly, a lot of folks have very little incentive to understand the data being made available to them. But for most folks, the basics needed to properly track expenses can be learned in less than 30 minutes. You can also take advantage of the free personal finance templates provided by Google Docs or Savvy Spreadsheets. I’ve got about 25 different worksheets covering every year of expenses, plus summary sheets, pie charts, line graphs and other goodies.
Each time I spend I just write it in the spreadsheet and I clean everything up once a week. In addition to groceries and monthly bills, I’ve realized my expense tracking will now have to include a large array of categories that are not easy to track via quicken.
An outdoor seating area with a fire pit can be a very exciting idea, but unless we build the place well, we won’t have the desired results. I’m an account by profession and I can definitely understand the interest in details as well as the unlimited possibilities in analyzing the trends of a personal budget. Take a look at the things you can do with your patio to make it look attractive and comfortable.Patio ideas with fire pitIf you have an empty patio in your house, it would be a very good idea to transform it into a seating area. You can buy a prefab kit from the local home improvement store and install the fire pit at home.
What I like to to do is auto-pay everything weekly, so I don’t even have to think about it. When buying the furniture, make sure you opt for a material that is weather resistant and durable.



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