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Author: admin, 26.03.2015. Category: Positive Thought For The Day

Origins: The money manager emerged from the combination of my budget planner, monthly budget, and checkbook register templates. As a preliminary caution, you should be comfortable using a spreadsheet and understand that spreadsheets are fairly error-prone. Download the Vertex42® Money Manager - a free Money Management Template for Excel that lets you track expenses and manage your budget! I will be the first to admit that the most complicated part of using the Vertex42® Money Manager is customizing the budget categories. What you need to watch out for: If you assign a transaction to a category that is not included in the Budget or Report worksheets, the expense won't show up in your reports and you'll think you have more money than you really do.
I've tried very hard to include a comprehensive set of income and expense categories, so if customizing the categories is too scary, just try to use the default list. The second most difficult part of using the money management template is learning to enter transactions into the Transaction worksheet correctly and efficiently. After a while, you may find that entering transactions with the spreadsheet is faster than using Quicken because of how easy it is to copy and paste, using older transactions as "templates" for new transactions.
A very important part of good money management is keeping track of how your current spending compares to your budget.
Use the Report worksheet to compare your budget to your actual spending throughout the month. Disclaimer: This spreadsheet and the information on this page is for illustrative and educational purposes only.
What struck me about this study is that it basically laid out what makes for a stable marriage in the U.S. What we see above is that dating 3 or more years before getting engaged leads to a much more stable marriage.
Crazy enough, your wedding ceremony has a huge impact on the long-term stability of your marriage. The last graph would have us think that if we want a long-lasting marriage, we better be prepared to burn a hole in our pocket paying for a huge wedding.
In the research paper, the authors suggest that the financial burden incurred by lavish, expensive weddings leads to financial stress for the couple, which ultimately tears the marriage apart. Of course, it’s important for us to keep in mind that these are all correlations with marriage stability, and they could be telling us any number of things. Similarly, big wedding correlates with wealth, and the effect of 100+ is a lot stronger than the effect of $30000+. We’re not at the extreme ends of either metric, but my husband and I had more than 100 people at our wedding and the whole thing cost less than $5K. The other posters suggestions of an ultracheap religious wedding seems plausible, but there may also be a trend that whatever the size, a cheaper wedding has lower divorce, and whatever the cost, a bigger wedding has lower divorce, even though it’s difficult to have simultaneously a gigantic, free wedding. It would be interesting to do a primary component analysis with religion thrown into the mix. I haven’t attended many weddings, but my favorite by far was a wedding for two wonderful people hosted at their house, maybe 100-150 guests, that was almost entirely put together by friends. Of course, these folks certainly had favors to call in, being so actively involved in the community and always available to help a friend.
I think the point here is that even if a few people were able to call in favors, the fact is that not everyone inviting 200+ is. It’s physically impossible for the number of attendees and the cost of the wedding to be unrelated. Have the Priest do the ceremony after Liturgy, on the first Sunday of the month when everybody brings potluck lunch to fellowship after service. I’ve been to great family weddings that were budget friendly- it really has more to do with how its done.
My wife and I got married at an amazing spot in the mountains of Washington State (Big Four Picnic Area by the Ice Caves). The point of this analysis isn’t to min-max in order to make the least divorceable marriage, though.
When you don’t mind inviting your entire family and having folks eat simple food and dance in the UAW or VA hall, things get cheaper. The Dad is a musician so he and his friends provided the entertainment, including musical and dance pieces from the bride and groom. I did the photography, I have known the groom since he was knee high to a grasshopper, so of course I did it free of charge. Since it is typically the parents who pay for weddings; you could also surmise that those who feel the need to have a large ceremony could either be surrounded by supportive people or feel pressured to stay in an unhappy marriage to save face. In my experience, those who had more expensive weddings for the same reasons also experienced a similar result.
The numbers are in this study, but they don’t prove or disprove his assertion that any of these marriages are happy or good.
By “numbers” I meant is there any data to prove that religious people are suffering through abuse and infidelity to remain together at a higher rate than non-religious people? The post just says religious couples stay together at higher rates; it says nothing about why or whether they are faking happiness. The data has the answer – people who go to church sometimes (so are presumably a bit religious but not VERY religious) actually separate MORE than non-churchgoers.
I think that the biggest problem to the smaller weddings is usually the woman’s fantasies. Just because the 5% or so of men want a bigger wedding does not change the fact that women are largely the ones who overspend on weddings. I mean, men in general really don’t give a fuck about weddings when you get down to the bottom of it. I mean… come on, if a man decides to spend more money than the woman wants, it has nothing to do with the wedding itself.
I think that the two articles together would make for a lot of support for a couple thinking about tying the knot (not?). And that quip about the average american wedding costing 30 grand, I’m just curious, how does that align with say, the median cost? And that quip about the average american wedding costing 30 grand, I’m just curious, how does that align with say, the median cost? HuffPo addressed this last year, and you’re right, the extravagant weddings do indeed skew the mean.
If you are good in making things yourself, you have a wonderful opportunity for making extra money this Christmas period crafting and selling homemade crafts. Many businesses experience a boom over the Christmas period and often recruit extra stuff to help out during this busy time of the year. It has long been my goal to create a simple, macro-free, money management spreadsheet that provides the same functionality as basic budgeting and money management software. By that I mean that even if the spreadsheet is completely free of errors at FIRST, there is no guarantee that you won't accidentally introduce errors yourself. Include your Credit Card account(s), Checking account(s), Savings account(s), and even an account to represent your Cash, Purse, or Wallet. Use the reconcile (R) column in the table to enter cleared "c" and reconciled "R" transactions.
I've added conditional formatting to help prevent these types of mistakes, but the spreadsheet is definitely not error-proof.
For now, you can learn about creating a budget in almost any personal finance book, reading online blog articles on budgeting, etc.
If you have a good understanding of how to copy, insert, and delete rows, it should be piece of cake.


You might check your budget status on a weekly or even daily basis, but you should at least manage your money on a monthly basis. You can change the month by simply entering the month number (1 for January, 2 for February, etc).
The authors of this study polled thousands of recently married and divorced Americans (married 2008 or later) and asked them dozens of questions about their marriage: How long they were dating, how long they were engaged, etc. This finding probably comes as no surprise, but it should stand as a warning to those who are eager to get married right away.
In fact, couples who never go to church are 2x more likely to divorce than regular churchgoers. For example, having a honeymoon and having money are directly related, so the last graph and the second are probably saying more or less the same thing.
These factors are NOT independent, and thinking of them as if they were is naive and misleading.
For example, you can not have much money and spend a couple of weeks camping in a secluded spot as your honeymoon, and you can earn millions a year and not have a honeymoon because you can’t take time off work.
Surely there not people out there who actually believe how many guests they have at their wedding will predict the success of their marriage. That is a purpose of life and my wife and I both try to live our lives in light of our Christian faith which challenges us to live and serve with others.
I think this statistic is formed more by people having their $20k-$200K weddings paid for by their parents than people throwing weddings at $5 per head. Our parents each had a set amount saved for us, and we had nothing to contribute financially. Most wedding dresses sell for around $600-800 but you can find cheaper, mine was $300 with veil and alterations. But I’m going to a fairly high class wedding tonight that was $5 a head so if you want expensive you by all means can do it. I think another big factor for LDS weddings is that WD generally focus on the wedding ceremony instead of the reception.
But just to indulge you, I read the study, and it says TOTAL wedding expenses, nowhere does it say how much YOU spent on YOUR wedding. But they really didn’t seem so much like favors, more like getting to join good friends at an exciting part of their life. And on the other end of the spectrum, you would be hard pressed to spend over $1000 if you were the only couple. You can have a down home wedding for $1000-5000, and accommodate 200 people if you have a lot of help from friends and family, and it can still be tasteful and beautiful for everyone!
We did the whole thing at a friends house, I made my dress, a friend of ours was our officiant, another friend was a d.j. As a member on a local social club I was able to rent the facility for $50 my father in law covered the bar tab. It may well be true, but it might also be false, and without numbers it comes across as negative stereotyping of religious people. Given that, the same could be said here on reverse: the blogger is POSITIVELY a stereotyping religious people. Follow that trend – separations increase for religious people until (for the very religious frequent churchgoers) they simply cannot separate even if they wanted to. Are people with doctorates less likely to get divorced than people with just a high school diploma? If you are ready to apply a little creativity and initiative, you can leverage the Christmas cheer to make some extra money over the holiday period.
Team up with a friend or family member and make beautiful Christmas crafts to sell at your local Christmas market, such as Christmas cards and decorations. Do you have items like electronics, CDs, jewellery, books and clothes that you dona€™t use scattered all over the place?
Leverage the opportunity for making extra money this Christmas by looking for a job at a local business or store.
A simple spreadsheet will never do everything that dedicated software can do, but the new Vertex42® Money Management Template comes amazingly close. Essentially, you just need to make sure that the categories are exactly the same in all worksheets. It is very important that you always copy entire rows (instead of inserting blank rows) so that you preserve the formatting, data validation, and formulas that are both visible and contained in hidden columns.
If you know how to define "Lists" or "Tables", go for it, but make sure you know what you are doing. In an effort to not become a part of that statistic, I started doing a little research on what makes for a stable marriage in America. After running this data through a multivariate model, the authors were able to calculate the factors that best predicted whether a marriage would end in divorce. Clearly, this shows us that having a large group of family and friends who support the marriage is critically important to long-term marital stability. Rather, the fact that people with large weddings get divorced much less is likely follows from the fact that people with large weddings have a large group of family and friends who support and approve of their marriage. Remember, when in doubt, look at the paper, especially since Randy was so kind as to link to it. Nominal fee for the venues ($50) and lots of favors pulled in for the wedding breakfast and reception. To give people an incentive to get married the state even lower the cost of the license to $30(which helps everyone not just the Mormons obviously). My diamond is tiny, and our honeymoon to Mexico was thanks to my BIL gifting us frequent flyer miles.
The important factor is how does the cost of the wedding affect the financial stress of the couple. My expectations would leave me to believe that there would be some sort of bell curve of attendees that coincided with money spent. Den we gon’ go down to the river and catch us sum fish while papa plays a tune on his banjo. Dress at a thirft store, ring is a green quartz, wedding party dressed to match each other. Friends and family brought dishes (like a potluck) for the reception, our church let us use the building for the wedding and reception along with decorations for $50. It’s by no means the first and only document to read before you decide to take your relationship to the next level.
My wife always manages to find another reason why I did something wrong when I’ve proved the first reason invalid. I figured the income bracket more-or-less covered that, since income correlates so strongly with education. Here are five creative ideas for making extra money this Christmas and having fun while at it.
Collect and sell the items cluttering your home to make some extra money and boost your Christmas budget.
For example, put in a shift at your local supermarket or food store to generate a good extra sum and make your Christmas even better.
Featured here are some simple steps to help you get started with your own candle making business.Research and PlanningThe success of your business is largely determined by a solid plan.
Use the built-in Excel autofiltering to display transactions for a single account or all accounts. If you know how to use Autofiltering, you may find it convenient to use the filtering to display transactions for a single Account at a time when you are reconciling.


I also have no plans in the future to add the ability to automatically import transactions from your bank or other financial institution. It’s not clear to me if you fed all the variables in and it said these were the most important factors when controlling for all other things, or if these just had the strongest correlations with divorce without taking into account the other variables.
I’ve been to countless wedding receptions held at country clubs and fancy ballrooms in addition to many more scaled down. If parents contribute most of the money then you have little financial stress, lots of guests, and a supportive family.
As it is, I think these two stats clash and come off unrealistically to anyone that thinks about it for a minute. Had dancing, and my mom and I did center pieces, my husband designed a picture frame matt for everyone to sign and my brides maid made me a guest book for my wedding present. My wife bought a used wedding dress had it a seamstress help with some of the challenging alterations but did lots of the easier work herself. It is considered an honor to be asked to pay for a part of the wedding, and one is considered honorary family for life. If you’ve never made candles before, you will need to learn about the candle making process, and decide which types of candles you would like to make. Moore's research lab, he studies biologically-inspired AI and its applications to biomedical problems.
It was at a venue that my wife and I met at and we were friends with the owners, however, the other two places we were considering were also amazing and under $200. If the attendees are a pretty closely connected community, or the couple is well known among their friends and have the relationship where they can make it a potluck or a barbecue etc.
We had a catered dinner (the bulk of our costs)but saved $ by having the reception at my in laws property.
Most of the expenses were for relatively small things like disposable plates and cups, an honorarium for the pastor who officiated, the marriage license, etc. Besides, their weddings are so much more fun than the middle class American weddings that try to imitate lifeless pictures in magazines. Being the center of attention at a $30,000 ceremony is my definition of absolute nightmare. Take care of a neighboura€™s pet Many people travel for holiday during the Christmas period. If you want that kind of functionality, you may want to use some other dedicated budget software. That is two separate groups that shouldn’t polled together as the recently married have the possibility of being the recently divorced. I hired an amateur photographer still perfecting his art, my aunt donated flowers as her wedding gift to us. Our biggest expenses were the wedding cake and the photographer, which we only got after trying our hand at making a wedding cake ourselves and realizing it was a bad idea. I believe it must be the wedding industry putting it out there that spending that much on a wedding is average, for the purpose of making people think that’s normal.
Why not offer to take care of a neighboura€™s pet while they are away on holiday for a little money?
A helpful book will list the supplies required for candle making, as well as explain the actual process. Photographer was a gift from my dad (who paid for it in trade with his own woodworking skills, so no cost). I really appreciate the interesting peek into various correlations- nothing is a given, its just a series of potential factors that intertwine in an interesting mix. So I know my case isn’t the norm as I called in a TON of favors but, still, possible. Lots of people helped to make our wedding possible as neither family has lots in the way of finances and we didn’t want anyone to go into debt.
I personally only know ONE couple (my brother and his wife) who has spent more than 5k, and many far less. It wona€™t cost you much time and you can make as much as A?15 every single time you pop in to a neighboura€™s house to feed their cute, little kitten or pup. Bought fabric and patterns and had the bridesmaid dresses made by my maid of honour’s seamstress mother. I’d be cool asking my preacher brother-in-law to marry us on some pretty hillside in a national park, but my fiance wants to actually put some money into it.
You may need to research possible names to see if they are already in use, and be careful to avoid violation of any copyright laws. Overall we spent probably less than $5000 on EVERYTHING from the rings, to the flower arrangements, to dress and tux, venue, gifts, food and honeymoon (vacationed on a private lake in TX and a cool lake house which was fun for us). I know my experience is anecdotal, but it’s also the case with nearly every female I know. Candles made from paraffin wax are probably the most common, but you can also make your candles from beeswax or soy if you’d like to market a more eco-friendly type of candle. You can make your candles in almost any color imaginable by adding candle colorant, and you can come up with your own custom fragrances using blends of essential oils to make your candles truly one-of-a-kind.
It wasn’t the princess ball wedding but it has been a good marriage so far even with ups and downs.
Along with the different materials used to make candles, you can also make a number of different candle products including molded candles, jar candles, floating candles, and travel candles, just to name a few.
All the cool vehicles used to transport us instead of a limo, were borrowed from friends and family. Fish bowls, vintage jars, or oddly-shaped glass containers can be found at garage sales, flea markets, or craft shops and are a great way to put your own spin on the traditional jar candle.Designate and Prepare Your WorkspaceYou will need to have plenty of space to make your candles and since you will need the use of a stove, your workspace will most likely have to be in your kitchen.
When making your candles, make sure you have a table top to work on and clear counter-space so that you can make your candles as quickly and efficiently as possible. And the coolest thing about my dress is that they never ended up releasing it in their seasonal line, so it’s original ?? And although it would seem that all this work and bargain hunting may have been more stressful than hiring people to do it all, therefore possibly raising the divorce rate, I found it the opposite. It was a work of heart for me, investing into my wedding as well as my marriage, by not going into debt for just one day. And as I stressed and worked the 9 months leading up to the day, I promised myself that on the actual day, I would let it all go, focus on US and enjoy it all, even if a few things went wrong (which of course they did). Arts and crafts shows, farmers markets, and flea markets are great places to market your goods.
You may also want to inquire inside some local boutiques and spas–shops such as these might be willing to display your candles and sell them for you on consignment.
Another way is to sell your candles online–it allows you to broadcast your items to a much larger audience right from your own home. The only downside to selling your candles online is that your customers won’t be able to smell them first. We make our best effort to provide you with the most accurate, legitimate information possible. Disclosure per FTC guidelines: This website may be compensated through advertising, affiliate programs and other programs.



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