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The first step plans for the unpredictable – events that can occur at any time, without warning, and can wipe out earning ability or assets, such as death, disability, critical illness or property destruction.
The second step is planning for events that are expected to happen at some future date, such as retirement and death. Too many people get the order of these steps mixed up and devote too much time, energy and money to step three, and fail to give enough attention to the first two. Planning for the unpredictable is the first step because unforeseen events can wipe out assets or earning ability, leaving destitution in its wake. Rarely seen on TV, perhaps, because it happens too often to even be news, is the family left destitute because a breadwinner, destroyed by critical illness, disability or death, was not adequately insured. The common aim in each step, therefore, is to determine how much income is needed when such earnings are no longer available. In step one, the income of an income earner is replaced through insurance against the unpredictable possibility of death, disability or critical illness. Only after the first two steps are planned and the plans put into action can step three be properly considered.
My blog will show you how to start your business with free advertising sources, and to then build your business with the profits. Post to 50 And More Social Media Sites, including Instant Blog Subscribers, Facebook and Twitter. Now that we are into a new year it is time to re-asses your finances and make any necessary changes to your budget. Whether you are new to budgeting or have been doing it for years, my Budget Binder will help you to stay organized and gain control of your finances. The Yearly Financial Goals sheet offers you a place to write out your major goals for the year. For example, one of your yearly goals may be to save up enough money to replace the roof on your home. This will help you to see why you are saving money or cutting back on other expenses throughout the year. I love having this sheet in my binder because it allows me to pay my bills on time and stay organized.
For this sheet, you can easily track your income and expenses each month by filling in your totals. To make it easy, I have even created a downloadable Excel spreadsheet that will figure out the totals for you each month.
This sheet is pretty much self explanatory, but it is nice to have all of this information together in one place. This will help you to keep track of your debt and help you to stay organized while paying it off. I like to include this calendar so that I can write down important dates and even keep track of when we will be receiving paychecks or other income.
This is also good to use if you have a special event of party coming up so that you can plan ahead for it. This sheet is in my budget binder so that I can plan our spending for holidays and other occasions. To create your own 2016 Budget Binder I recommend that you print the number of pages below. Subscribe to gain access to my exclusive budget binder printables and stay up to date by joining my weekly newsletter! You can get all of my 2016 Budget Binder worksheets sent directly to your inbox for you to print out and start using today. Hi Chelsea, have you checked all the folders, sometimes it may get caught up in junk or clutter?

Hi, I signed up for the free budget worksheets, which I got, but I accidentally deleted the e-mail. The following is a sample complaint letter about a defective product that was installed on a home.
We were very happy with the service we received and your crew was very kind and professional. We ask that you send your crews back out to complete the job that was paid for, replacing the gutters that have detached and inspecting the remainder of the gutters for similar issues.
We look forward to hearing back from you in the next several days to confirm when you will be returning. Feel free to contact me at (123) 456-7890 to schedule or visit or with any questions or concerns.
There are many sample complaint letters in the Microsoft Office template gallery, under the category Supplier and Vendor Letters.
Complaint about Repeated Order Errors - Review this sample letter if you are having issues getting the proper product delivered. Complaint about Service Contract - If you need help resolving issues with a contract, check out this letter.
Complaint about Sales Representative - Having issues with annoying sales reps calling on your employees at the wrong time? Complaint about Installation Service - Another great example of how to deal with poor or incomplete services. Cancellation of Entire Order - Example of how to cancel a purchase order due to supplier delays. Dispute of Billed Amount with Lessor Payment - This letter shows how to address disputes in an invoice. Disclaimer: The content on this page is intended for educational use and not to be construed as legal or professional advice.
An often seen TV-news item is the family whose home is destroyed by fire or flood, and is wiped out because it was not insured. Achieving financial independence prior to retirement, for example, is best approached when you know that if all else fails, you will at least have achieved it at retirement. It works round-the-clock, and for not just days or weeks, but for months and months, very own Money From Your Website making you tons of CASH! Being able to look at how much money you bring in each month and how you are spending it will help guide you throughout each month. It is actually a simple process if you are willing to devote a few minutes every day or a specific time slot weekly. The Monthly Financial Goals sheet will allow you to reflect back and figure out what you can do differently each month. You could then write that in for Goal #1 along with the estimated cost and a date for when you would like to have it completed by. One of the top financial struggles I hear from my readers is remembering to pay bills on time. It is extremely simple to use and I have heard a lot of positive feedback from my readers who use it. If you prefer, you can print my blank version and fill in all of your own expenses rather than using the pre-filled categories. I have a separate bank account for my blog and we also have separate bank accounts for our three boys. For example, you can print a copy of this debt payoff planner for your car loan and then another copy for a credit card that you have. I will compare those dates to our payday schedule and make sure I am budgeting enough money.

I use a standard white binder that has the plastic piece in the front to slip the cover page into.
Frugal Fanatic is her place to share practical ways to save money, make money and tips for everyday life. Use our free letter of complaint template to help you write retail stores or service providers concerning issues you are having with their products or services. Sure, it is easier said than done, but today I am going to share with you one of the ways that I keep my finances organized by using a Budget Binder. I have a column for estimated so that you can budget your money and then a column for the actual amount of the expense each month.
It is nice to have the account numbers and routing information handy for when I need to make any kind of transaction.
There are certain months where my husband will receive an extra paycheck because of the amount of weeks in that month. Find out how you can make money shopping online or how to start a blog to start earning cash from home now!
This template will help when writing complaint letters to companies to let them know of the issues you are having and to seek their help in resolving the issue. Give the office a call at 705-798-2105 and Michael or Susan will be more than happy to start you on he right path. If you are ready to start increasing your savings account then now is the time to take action. Then, each month your goal might be to put away an extra $100 for that vacation and you can use the monthly financial goal sheet for a more specific goal. This is a great place to keep information for a savings account that you can directly deposit money into from each paycheck. Continue reading below for a free sample complaint letter, tips and links to other resources. This will help you to keep track of the amount of debt you have with each one while staying organized to pay it off. This printable will prevent you from having to put out extra money each month when paying your bills.
Then my pals with teenagers say their teens can’t fall asleep until late because their brains peek around midnight, and again there is interesting research proving that.All this is obsessing over kids and sleep, but in the midst of it all, I never once stopped to ask myself am I getting enough sleep? Then she looked me in the eye and said, “Do you feel rested?” What kind of a question is that for a Mom? Then she added, “What you’re telling me is that you’re not getting enough sleep,” she continued. It would take quite a lot of orchestration, between the kids the dog, the husband, work, and all of my other responsibilities. She suggested I go to bed only 15 minutes earlier at night, and to see the difference.It is so easy for Moms be consumed with the needs of the family as opposed to taking care of ourselves.
I am finding that when I can it is making a big difference in my overall sense of energy, health and well -being. Maybe you can’t sleep late one day a month, but even strategic napping can have great health benefits.
One experiment proved that even “letting subjects nap for as little as 24 minutes improved their cognitive performance.”So maybe tonight, once you finally get the kids tucked in, try turning off the light yourself.

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